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It's all good. I had to book in just to go to your annual review. Is now still a suitable time there for you? Fantastic. Just before we jump into the call, just to let you know, 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 with you as well just to confirm your full name, your date of birth, and address I should have on file there. Yep. Beautiful. Thank you so much for that. Adam, as part of your annual review, I did email some documents to you. Are you able to access your email, sir, at the moment? Yeah. Beautiful. I'm just sending those through to you. Just sometimes it's easier that you can so you can look at them as I'm going through things. All good. I also noted here on your file that you wanted to also have a bit of a chat about cash flow and budgeting as well, and my colleague Samantha had emailed you the budget plan. Have you had a chance to complete and return that one as of yet? That's okay. Yeah. Yeah. Absolutely. Not a problem at all. Just while we are kinda going through things, you're welcome to give me a bit of an idea as to what it is you're after with regard to the cash flow and budgeting. If I can help today, I can certainly provide you with some information. If not, we can always come back and have that conversation down the track. How does that sound? Yeah. Beautiful. When it sort of comes to your cash flow and budgeting, just all the emails coming through there, What sort of things are you after? What sort of help are you requiring at the moment? Yeah. Yep. No. Beautiful. Yep. Excellent. So you just sort of after having me look at your budget, look at where things are going just to sort of see if there's any leeway or alterations that could be made or whether you're sort of on the right track to having things paid off. Is that right? Yeah. Yep. Yeah. Absolutely. When you sort of say you've got leftover cash, what are you sort of doing with that for those funds? Are you sort of putting them away anywhere particular to trust them, or are they just going on to the mortgage in the offset account? Yeah. Okay. No. Definitely. Because one of the ways I sort of look at it is at the end of the week, if you have a little bit left over cash, if you have, you know, your offset account or your savings account, have you moved that money directly into that account? It kinda helps you to track it. The other thing to sort of look at is when it comes to savings, if you are looking to save, as soon as you get paid to allocate a certain amount of money and to move that out straight away, that way that money is no longer sitting in your everyday account. So starting off small often helps as well because we you know, things get on top of us, and bills come out of nowhere left, right, and center continuously. So, you know, so even starting with something simple as $50 on a weekly basis, as soon as you get paid, moving that into a different savings account, like an online only account also helps because you have to go online to transfer the money back or even into your offset account there just so you can kinda track that. That does tend to help. And starting smaller and building on that as you get comfortable with, saving always works really well as well. But, yeah, look. Once you've got your budget plan done, if you send it through to us, I'll even send you an email from my email today just so you've got that directly because Samantha's, unfortunately no longer with us here. So I'll get you to email back to me directly. And then I can touch base and have a chat about where money is going, where you could definitely make some savings or changes, or whether you're on track to kind of meet your goals there. Does that sound okay? Fantastic. Excellent. Has that email popped through as of yet? Oh, legend. Excellent. There we go. Now I'm just looking at mine as well. Beautiful. So when you open the email there, it will just note down it's got a little button that says click here to sign. We ask you to sign so you so click so you can move forward through the documents, but it will never ask you to sign anything you haven't read, and it's just allowing you to move through those documents to make it nice and easy there for you. Okay. Excellent. The first one there, when you do see it, will show you your summary of superannuation and insurances. Is that the one you're seeing there at the moment? Yep. Beautiful. So when I have a little bit of a look back at your super, the balance last year at this time, you were sitting at around about $228,004.59 and 63¢ there. So as of the September 24, you're up to $262,319.58 there, which is fantastic. It's seeing some good additional growth there. If you move forward to the next document, the next one is your internal rate of return. It's sort of showing you how the individual investments have performed. This year has definitely been a bit of an up and down year with everything that's been going on globally, so we have seen a lot of changes in the market conditions. I had a bit of a look at your portfolio prior to the call, and I can definitely see some changes I'd like to make to your portfolio. So whilst we have seen a lot of ups and downs here, you have still had a really good return. It is lower than where I would generally expect it to be. When we look at the entire portfolio, over the past twelve months, you're still up. You're up by 4.70%. That gives you total earnings plus growth of over $16,000 for the year. However, it is a bit lower than where I would like to see for your kind of portfolio in the environment you're in. Generally, when we have a growth portfolio, when we're looking at a conservative sort of risk profile rate of return, we're looking to achieve around about seven to 9% each year. So this particular year, you are down a little bit on where I'd like to be. So having a look at those investments, I can see some changes I definitely wanna look at making. With the if you're looking at the internal rate of return report there, the first page, you'll see the top investments of Van Alarm Australian Equities. Can you see that investment there? Yeah. Beautiful. This one here hasn't been performing as well as we'd like it to be. Now one of the reasons that along was placed in there, and up until this year, they've seen some really fantastic returns. However, with this year and with everything has been going on, they've also had some internal issues with their investments. So they're not really performing the way they'd like we'd like them to be. The idea of having Ben along in there was they're an actively managed fund. So the investment manager is trying to take in time the market, and they're supposed to be trying to outperform against the market. One of the things with active managers is they don't always outperform against the market, but then along are having a few additional sorry, issues within their portfolio. So I do wanna remove them from there. What I wanted to find out from yourself was a bit more about how you'd like to see your super invested. Would you like me to look at replacing that with maybe another active manager, or do you feel like you'd like to have more of a lower cost portfolio and remove those active managers as as a whole? How would you like to see things invested in your super? Yeah. That's okay. That's definitely fine. Yep. Yeah. Absolutely. Well, what I can do, if you like, is I can have a look at the portfolios which incorporate some active management and some that don't. I can look at the capital gains cost for switching investments, look at how you invested now, look at, you know, how they've been performing in the past to see what kind of returns we can expect in the future, and also look at the fees. I'll see if I can find something lower cost and look at what's been performing greater and what provides a greater effect to you. Does that sound okay? Yeah. Fantastic. I'll have a look at all those options for you. Not a problem at all. The other thing I sort of wanted to look at there now, I can see within that growth environment, you're still really young. You've got a lot of time ahead of you before accessing Super. We had it noted originally that you were looking at age 67, but then lastly, you kind of mentioned age 60 you'd like to essentially retire. Is that still your goal retirement age? Absolutely. Yeah. No. That's the one. Age 60 is the earliest so long as you meet the condition of release and fully retire. That is the earliest we're allowed to currently. So I'll put that down as your goal for retirement. Is that right? Fantastic. I love that. And no. I do agree with that. And in retirement, you were sorta estimating you'd like to live on around about 1,250 per week. Does that still sound appropriate? I know that could change when you actually get to those retirement years, but is that still what you'd like me to focus on? Yeah. Yeah. Absolutely. Absolutely. Now one of the things I do like to sort of look at is at the moment, we're trying to build things as much as possible and focus on the goal you have currently. However, when you actually get to 59 or 60 and you ring me and go, Dana, I wanna retire. I'm done. We will actually look at what your expenditure looks like then. We'll probably do a budget plan to talk about what income you need to live on. We'll look at reducing the risk level significantly for you and also look at having you invested more conservatively so that you're producing income to help pay down your income stream payment status. So right now, it's about building, adding as much as we can into super, getting as much growth as we can out of super. And then when you get to retirement, we'll reassess what you actually need at that point, look at the longevity aspect, and look at how that affects you. Does that make sense? Yep. Fantastic. Love that. I've Yep. And that was probably the next question I was gonna talk to you about was the idea of salary sacrificing and or making additional contributions to super. It also comes down to what your expenditure looks like and whether you have some additional cash flow to start doing that with. But, realistically, as much as the markets are very up and down and we're seeing those heavy dips at the moment with the volatility, it is still a good time to keep invested. Essentially, they always say buy low, sell high. It is one of the hardest things to do, though, because when we see our super falling or we see a dip in the market, it doesn't make us feel good. But it is honestly the best time to keep investing and putting that money in because while the market takes a bit of a dip, that's because people have sold out of those investments. So those investments, when they take a dip, they're actually at a discounted rate. So putting your money in at that time when the sorry. When the market comes out and recovers, you actually see additional growth, and that can provide a greater boost to you long term. But it's also a comfort level thing, and I tend to sort of start with people sorry. When we are looking at salary sacrificing, especially where there's volatility, starting smaller. So the same with your savings, but starting with a smaller amount, it can be as little as, you know, $20 a week or $50 a week or a fortnight. And then as you kinda get comfortable with that, then we build and grow and keep doing more and more and more. So it kinda works within your comfort level as well. But again, it's gotta be to your comfort zone. Are you happy just to hold off on sales back for the moment? Is that sort of where you're at? Yeah. No. That's absolutely fine. Yep. Yeah. That's absolutely fine. That's not a problem at all. Income wise, I had you on about a 176,000 per year. Is that roughly what you're still receiving? $1.83. Beautiful. Excellent. And I just yep. Yeah. Beautiful. Not a problem at all. I also had it down here that at the time, you were able to save, sorry, about 1,600 per fortnight, which is going into your offset account. Is that still where you're sort of seeing things, or is that definitely a lot lower? Okay. Beautiful. And that's her fortnight still? Yep. Beautiful. There we go. Update that for you. When we sort of think about the insurance aspect now as well, so looking at your insurances, that's kind of back on that first page that you have there. In the event of passing, your life insurance you're covered for is about $673,356.90. So if in the event that you were to as an example, if you were to pass away today, essentially, with your super balance at $26,231.09 and your life insurance, your total life cover or the amount you're insured for is about $935,006.76. Do you feel like that's fairly comfortable? Did you wanna kinda go back and review that level of cover, or do you feel that would be sufficient for your family if you passed away? Excellent. With clearing the debt, how much do you have on the mortgage currently? $4.40? Beautiful. There we go. So if you look at that and remove the 440,000, it still leaves about $495,006.76 and 48¢. And whilst you're on sort of a fairly high income without having that mortgage there, it does mean that your family could live on a lower income supplement, and that money could last them anywhere between sort of two to five years as a whole. Does your wife work as well? Yeah. Beautiful. So that would give her a chance to either continue working or supplement your income or to take some time off and think about what she wants to do. Yeah. Beautiful. Excellent. With the TBD, now total permanent disability cover, you're covered for about $380,003.30 $3.99. So you do have less TBD than you do have life cover at the moment. Do you understand how TBD works and what that would cover or how it would pay out? No. That's absolutely fine. So TPD pays that either a lump sum benefit or an income stream in the event that you're unable to go back to work ever again due to permanent disability. With that, we can also claim permanent incapacity against your super so we could have both released. If it was a lump sum, you're currently insured for 642,718. Now the other thing I kind of like to point out is that with TBD, if you were to take that as a full lump sum and you claim TBD under the age of 60, it is unfortunately taxable. So the government would tax up to 22% on that amount. So you actually don't receive what you are fully insured for. What I like to it's horrible, isn't it? I don't fully disagree with it. I think it's the last thing they should be taxing. That's it. That's it. What I like to sort of point out that is if you were TBD and we claimed on that TBD insurance, plus we claimed on your super, we talked to you about what you needed, whether you would, you know, wanna take a lump sum to pay your mortgage off or whether we keep that invested in your super and keep it working and draw income streams out on a lot a smaller basis to keep it working. Both of those can help to minimize the tax, and there's some other fun things that we can do to help minimize those tax consequences for you. It's also important to note that the tax is up to 22%, so it could definitely be lower. They have a math equation that basically works at your age to the retirement age. They use 65 as a retirement age, and they kind of use that math calculation to work out what the actual taxable component would be for you. But we would definitely be able to do that equation with you and sorta help and look to minimize the tax there. The reason I kind of am going through that and explaining you so much is that just want to make sure with that level of cover, the $6.42 between your super and your CBD, are you comfortable with that level of cover? Did you wanna maybe talk more about your goals and look at reevaluating the CBD level? Yep. No. That's okay. One of the things I can see now your TBD, that's hub twenty four cover looks like I'm just actually going to go forward to have a look at the documents. Yeah. So it looks like it is with Hub twenty four. So what I'll do is after the call, I'll book you in for a pre assessment with one of my team members and colleagues. That'll go through a bit of a pre assessment with you just to kind of assess what level of cover we're able to obtain, what kind of contracts we have out there, and then we can make a recommendation and update the advice to reflect your needs and your goals with TBD, and go out there and do full research for you. Are you happy with that, Adam? Excellent. Beautiful. Now when you think about TBD, if you were unable to ever go back to work again, what is it that you wanna actually have covered? Yep. Yep. So when you think about income, would you want to cover your current income for a certain period of time, or would you say maybe half your income would be suitable? What would you wanna cover income wise? Beautiful. And is there a certain amount of years you'd be comfortable covering your income or that amount of income for? It's a hard one. That's okay. So, realistically, you could look at maybe covering you up to the age of 60, or you could look at maybe five or ten years, or, you know, depending on if you've got I'm just double checking your circumstances. Sorry. Two children. So or if, you know, wanted to cover your income up until maybe your youngest child turns 18 or something, there's also those options. What do you think would be comfortable for you for your goal for that? Twenty years? Yep. Beautiful. So half income for, say, twenty years. Beautiful. Excellent. Beautiful. Is there so I can look at that for you. So you're happy if I just look to boost your TPD up so that it, you know, clears your home loan in the event that something happens and then also covers half your current income for the next twenty years. Does that sound appropriate? Yeah. Beautiful. Fantastic. Did no. That's absolutely. Would you also like me to look at maybe boosting up the life cover to the same level for you knowing that when we link life and TPD together, it can make the policy cheaper. Did you want me to look at those options as well? Beautiful. To make cheaper. Excellent. Fantastic. I can look at that for you. Not a problem. Now the other thing we do have here is your income protection policy, which can pay up to 70% of your pre disability income in the event that you're unable to ever go unable to go to work in a short term. Sorry. So it covers you for short term disability. Based on your current income, I'm just checking the level for you. It sort of shows here on the document that you're covered for a monthly benefit of up to $10,749.20 20¢ as a monthly benefit. It's a pre so it's a gross benefit, pretax benefit amount as well. If we have a look at your current income based on a 183,012. It shows that you would need to be covered for about 10,675. So your income benefit is very well on track for that. It is slightly over insuring you only by, you know, less than a $100, essentially. Are you comfortable with leaving that at the level it is, or did you want me to try and look at bringing that back slightly for you? Yep. Beautiful. One of the things I do like about the way the policies are, they tend to sort of increase over time along with CPI as needed. So the idea is that there's slight small increases over time, which can sorta help without going through underwriting, which is a positive. But it also means that if you get a smaller increase or maybe a bonus or something, that extra little bit of monthly benefit could support you. Okay. Excellent. And you've just got a sixty day waiting period and a five year benefit period there. So it just means that if you're off work, you need to be off work for sixty days prior to submitting a claim, and then you can be on a claim for up to five years there as well, but you're fairly comfortable with that. Did you have any questions in relation to any of those? Beautiful. Thank you so much for that. Now there are other types of insurances. I'm sure others have sort of made mention to you. You can also have things like trauma, which pays out a lump sum benefit if you're diagnosed with a major traumatic condition like cancers, heart attack, strokes, and you can also get additional insurances for your children. These are called child trauma policies, which pay out lump sum benefits if one of your child children pass away and or are diagnosed with a major traumatic condition like cancer is probably one of the biggest ones. Did you wanna look at anything additional there? These are paid out of pocket as well, so it could, you know, overextend your cash flow depending on how things are tracking. But happy with that. Beautiful. If you ever had additional questions in relation to any of those, please let me know. I'm more than happy to talk you through and work out what your goals are with regard to them. Beautiful. The next document along is the 2026 Vanguard index chart. That's just after the internal rate of return report. Can you see that document there? Yeah. Beautiful. This one here just shows you how markets track over time and why we invest the way we do. So within your portfolio at the moment, you're in that growth environment. So it sees 80% of your super invested in growth assets, so things like Australian shares, international shares, listed property, and commodities like gold and silver. If you look at the top line there, which is The US shares, this is an example of a growth asset. Over time, it's just over the last thirty years, it's averaged about a 10.8% return, which is fantastic. It means that it's turned $10,000 thirty years ago into over 218,000. However, being invested in that time frame means we're going through the market ups and downs, and that's probably the scary part. That's the part that tends to make people very nervous. It's going through the ups and downs and staying invested. And that's why my job comes into play. If you're ever feeling nervous or concerned about what the markets are doing, please let me know. Market ups and downs are very normal. And being within that growth environment, we understand that there are expected negative returns. So within this sort of portfolio, we expect a negative return around about one in every six years. Sorry. One in every five years. My apologies. But it also kind of suits someone who has at least six years before they're accessing their super because they can go through those and downs before they're gonna draw those funds out. So this sort of environment still suits your time horizon. Is is there anything specific question wise or anything about the market that is coming to mind for yourself that might be concerning? Or it's just hard. Yeah. Yeah. And, honestly, it is about just sort of going through the ups and downs that we are seeing at the moment, but this sort of portfolio does suit your time horizon. You've got more than that more than twenty years ahead of you before accessing your super at this point. And having more of those growth assets over the longer term does provide a greater level of return. So it's about under it's about wanting to get as the best returns we possibly can, but taking on a level of risk that's comfortable with us there as well. So you are definitely in that right sort of space for your time horizon currently. Okay? Excellent. One of the things I'd like to sort of point out is when you actually get to the retirement years, we sort of talk about being more conservatively invested. So we tend to see less of those growth assets. You always wanna have some, but then we have more defensive assets. And defensive assets are things like cash, bonds, and fixed interest. If you have a look at the bottom of that page, the Australian bonds, that's one of these sorts of lower risk defensive investments. They get a lower rate of return. This has essentially turned 10,000 into $45 45,000, sorry, over the past thirty years. It's averaged about a 5.2% return. But in those retirement years, because you'll be drawing income out, we'll be more conservatively invested. So we'll have less of those growth assets and more income producing assets like cash and bonds, which will provide income over growth, which will be paid down to help with the money that you're gonna draw out on a regular basis. Does that make sense? And do you have any questions at all? Yep. Beautiful. If you go to the next document, the next one along is the Oakview Financial Services Guide. This one here outlines essentially all about our services. We do charge for additional services, but I sort of have that conversation with you depending on what you're after. When you send through your budget plan to me, I'll talk to you more about what you're after with regard to the goals there. And if you just ask a general advice, I can do that fully free of charge for you to help you along. Okay? But this essentially outlines everything about who we are, what we do, and how we do it. It has all my licensing information in there for you, and it also outlines all of our services that we provide in addition to super and insurances. Okay? Excellent. The next document along is the ongoing service agreement. So, essentially, with this one here, you're on a current and sorry. A current fee arrangement of 1.65% that will continue for the next year. It just sort of estimates the total fee payable. Essentially, I'll just get you to sign and return that one back for me just so we can keep providing our services to you. For the advice that I'm gonna do for you now, it'll just incorporate the TBD. I'll look at the last component for you to see how we can make that more cost effective for you with increasing your TBD benefit, and I'll look at adjusting your portfolio as well. I'll look at both active and passive management styles and look at how we can lower the cost of your portfolio and keep it working harder for you. Have I missed anything? Is there anything that you might need me to sort of focus on as well for you as part of that? Yeah. Absolutely. You will have worked a long time, so we wanna make sure you enjoy your retirement years. You've got a lifetime in retirement to look after. So fantastic. I love that. The only other thing I just wanted to sort of touch base on is just doing a really quick risk profile just to sort of make sure that that growth environment suits you. It definitely suits you from where I'm standing, but just making sure it's within your comfort level there. The first one here is have you ever invested in, say, shares or managed funds in your own name before? No. That's okay. I will just pop that there. Beautiful. The next one here is essentially looking at how you might react if the market take a bit of a dip. So we've seen a lot of volatility this year. But if over the next six months the market fell by 20%, how do you think you might be feeling? Do you think you maybe be wanting to put more money in, take advantage of the dip? Are you likely to call us and see what we suggest you do, or are you feeling concerned and wanting to put the money into cash? How do you think you might react? Yep. Beautiful. Excellent. Excellent. The next one here, it says, how much risk do you feel comfortable taking? So when you think about your super, are you comfortable taking on a higher level of risk to try and get the a greater potential returns knowing that there is, you know, there is more possibility of a downturn and you have to you'll feel that downturn. Or are you comfortable with a moderate or medium amount of risk to get the best returns you can or not not comfortable taking any risk knowing the returns are lower? Where do you think you feel on that scale? Yep. Absolutely. Beautiful. And absolutely. And have you ever thought about borrowing to invest in shares or manage funds, or do you feel like that's too risky and only ever wanted to borrow for, say, cat property? For property? Yep. Beautiful. Excellent. And with your goals and things here, I had it noted that down the track, you're wanting to obviously pay off your home loan before you retire. Are you sort of wanting to look at building and buying additional properties or investing in any other way, or are you sorta happy just as, you know, working towards 60 and and living on super? What's your sorta other goals down the track? Yep. Yeah. Beautiful. Excellent. And so you'd probably sell this current property property if that was the case? Absolutely. Yeah. Absolutely. And what kind of value would you put on the property now do you think? I had 510 here last year. Oh, beautiful. Excellent. I also had your car down with a value of 40,000. Would you keep or keep that the same or lower that slightly? Yep. Beautiful. What kind of car is it now? Oh, nice. They hold their value really nicely. Everyone wants a good Ford Ranger or a Toyota Hilux, so well worth their money. Beautiful. And we had down here that you had used the offset last year to be able to pay for the wedding. Have you managed to sort of build that up again since then? Or Yeah. No. Completely understandable. The last thing I just wanted to double check there was with your beneficiaries and the state planning. So I can see here your beneficiary, you have a binding nomination, which is great, nominating, if anything happened, a 100% to Amy. Is that right? Beautiful. Now Amy was your spouse or is your spouse. Sorry. I've got her surname here as Skelland. Is that still correct, or has she changed that since you got married? Okay. Beautiful. So we has she updated her driver's license and ID to reflect that change? Yep. Beautiful. What I will probably do is I'll get someone to send out your beneficiary nominations because her name needs to reflect what her ID is just because if at the event that she was the claim and things didn't match up, it would make the claim a lot harder for her. So I will get that organized. Are you happy for me to pre fill that information with all of her details that we have on file for you? Beautiful. Absolutely. And her name is Amy Louise Hiscock now? Beautiful. You have it as a binding, non lapsing nomination, which is honestly great because you fill one format. You never have to fill it out again until you change your nomination. You also have the option of a binding lapsing, which means we have prefill the nomination out every year three years. Are you happy to keep it binding, non lapsing? Yep. Beautiful. And have you guys talked about doing your will, power of attorney, and other estate planning documents since you got married? Beautiful. We don't because we're not solicitors, but I can email you through some information on doing it via the will kit through the post office, or every state has a public trustee that can also help you. So I can gather that information together for you if you like and send you just an email with an outline to sort of start the conversation. Beautiful. Fantastic. And is there any other goals that you might have down the track that you might be wanting to achieve as well? Travel. Beautiful. Fantastic. Thank you so much for that. So that's basically everything I needed to go through. I'll go back and do some research there for you. I'll send you an email with the information that we've gone through. And if you can just send the budget planner back, we can touch base and have a chat about that with you as well. Sorry. The only other thing I just wanna do is to rebook you in for a day probably next week where my colleagues can go through just a pre assessment with you to assess the insurances that I'll do research on. Is there a day or time that suits you best normally? Yep. Yep. Yeah. That's next Friday. Does Friday work best for you normally? Yeah. That's okay. What if I was to pop it yeah. Thursday is perfect as well. Did you want for the morning or afternoon? Yeah. Beautiful. Well, what if we pop it in there for, say, 09:30 Queensland time next next Thursday, the eighth? No. Just double checking. You're in Queensland, so we're on the same time zone. Beautiful. Lovely. And my team wants to give you a call just a bit of an in-depth questionnaire around your health and your work life and things like that just so I can understand what kind of insurance contracts might be on offer for you, and then I'll be able to update the recommendations there for you to reflect. Okay? Beautiful. Look. Thank you so much for your time today, Adam. Feel free to take a look through any of your documents once you're happy to start and return them back. I'll get you to do so, and I'll get stuck into the resets there for you. No problem at all. I'm also just gonna quickly book you in just to have your advice presentation a few weeks after that. So if we do your pre assessment next week, we could then provide the advice, say, two weeks after that. Would Thursday, the twenty second, be okay for that one as well? You're fine. Sorry. I'm going a bit ahead. Beautiful. And I could do 09:30 in the morning then for you as well as we get it out of the way for you to enjoy your day. Beautiful. Thank you so much for that, Adam. My colleague, Kayden, will give you a call next Tuesday sorry. Next Thursday to go to the pre assessment, and I'll get stuck into the research in the meantime there for you, and I'll get that email out to you. So if you find there's anything additional, you please let me know. Okay? Fantastic. Thank you so much for your time today. Enjoy your day. Thanks. See you later. 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Adam. It's Dana from Okey Financial. How are you today? No. That's absolutely fine.\n\nThat's why I thought I'll give you another call just to see if you've missed the call or not. It's all good. I had to book in just to go to your annual review. Is now still a suitable time there for you? Fantastic.\n\nJust before we jump into the call, just to let you know, 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 with you as well just to confirm your full name, your date of birth, and address I should have on file there. Yep.\n\nBeautiful. Thank you so much for that. Adam, as part of your annual review, I did email some documents to you. Are you able to access your email, sir, at the moment? Yeah.\n\nBeautiful. I'm just sending those through to you. Just sometimes it's easier that you can so you can look at them as I'm going through things. All good. I also noted here on your file that you wanted to also have a bit of a chat about cash flow and budgeting as well, and my colleague Samantha had emailed you the budget plan.\n\nHave you had a chance to complete and return that one as of yet? That's okay. Yeah. Yeah. Absolutely.\n\nNot a problem at all. Just while we are kinda going through things, you're welcome to give me a bit of an idea as to what it is you're after with regard to the cash flow and budgeting. If I can help today, I can certainly provide you with some information. If not, we can always come back and have that conversation down the track. How does that sound?\n\nYeah. Beautiful. When it sort of comes to your cash flow and budgeting, just all the emails coming through there, What sort of things are you after? What sort of help are you requiring at the moment? Yeah.\n\nYep. No. Beautiful. Yep. Excellent.\n\nSo you just sort of after having me look at your budget, look at where things are going just to sort of see if there's any leeway or alterations that could be made or whether you're sort of on the right track to having things paid off. Is that right? Yeah. Yep. Yeah.\n\nAbsolutely. When you sort of say you've got leftover cash, what are you sort of doing with that for those funds? Are you sort of putting them away anywhere particular to trust them, or are they just going on to the mortgage in the offset account? Yeah. Okay.\n\nNo. Definitely. Because one of the ways I sort of look at it is at the end of the week, if you have a little bit left over cash, if you have, you know, your offset account or your savings account, have you moved that money directly into that account? It kinda helps you to track it. The other thing to sort of look at is when it comes to savings, if you are looking to save, as soon as you get paid to allocate a certain amount of money and to move that out straight away, that way that money is no longer sitting in your everyday account.\n\nSo starting off small often helps as well because we you know, things get on top of us, and bills come out of nowhere left, right, and center continuously. So, you know, so even starting with something simple as $50 on a weekly basis, as soon as you get paid, moving that into a different savings account, like an online only account also helps because you have to go online to transfer the money back or even into your offset account there just so you can kinda track that. That does tend to help. And starting smaller and building on that as you get comfortable with, saving always works really well as well. But, yeah, look.\n\nOnce you've got your budget plan done, if you send it through to us, I'll even send you an email from my email today just so you've got that directly because Samantha's, unfortunately no longer with us here. So I'll get you to email back to me directly. And then I can touch base and have a chat about where money is going, where you could definitely make some savings or changes, or whether you're on track to kind of meet your goals there. Does that sound okay? Fantastic.\n\nExcellent. Has that email popped through as of yet? Oh, legend. Excellent. There we go.\n\nNow I'm just looking at mine as well. Beautiful. So when you open the email there, it will just note down it's got a little button that says click here to sign. We ask you to sign so you so click so you can move forward through the documents, but it will never ask you to sign anything you haven't read, and it's just allowing you to move through those documents to make it nice and easy there for you. Okay.\n\nExcellent. The first one there, when you do see it, will show you your summary of superannuation and insurances. Is that the one you're seeing there at the moment? Yep. Beautiful.\n\nSo when I have a little bit of a look back at your super, the balance last year at this time, you were sitting at around about $228,004.59 and 63¢ there. So as of the September 24, you're up to $262,319.58 there, which is fantastic. It's seeing some good additional growth there. If you move forward to the next document, the next one is your internal rate of return. It's sort of showing you how the individual investments have performed.\n\nThis year has definitely been a bit of an up and down year with everything that's been going on globally, so we have seen a lot of changes in the market conditions. I had a bit of a look at your portfolio prior to the call, and I can definitely see some changes I'd like to make to your portfolio. So whilst we have seen a lot of ups and downs here, you have still had a really good return. It is lower than where I would generally expect it to be. When we look at the entire portfolio, over the past twelve months, you're still up.\n\nYou're up by 4.70%. That gives you total earnings plus growth of over $16,000 for the year. However, it is a bit lower than where I would like to see for your kind of portfolio in the environment you're in. Generally, when we have a growth portfolio, when we're looking at a conservative sort of risk profile rate of return, we're looking to achieve around about seven to 9% each year. So this particular year, you are down a little bit on where I'd like to be.\n\nSo having a look at those investments, I can see some changes I definitely wanna look at making. With the if you're looking at the internal rate of return report there, the first page, you'll see the top investments of Van Alarm Australian Equities. Can you see that investment there? Yeah. Beautiful.\n\nThis one here hasn't been performing as well as we'd like it to be. Now one of the reasons that along was placed in there, and up until this year, they've seen some really fantastic returns. However, with this year and with everything has been going on, they've also had some internal issues with their investments. So they're not really performing the way they'd like we'd like them to be. The idea of having Ben along in there was they're an actively managed fund.\n\nSo the investment manager is trying to take in time the market, and they're supposed to be trying to outperform against the market. One of the things with active managers is they don't always outperform against the market, but then along are having a few additional sorry, issues within their portfolio. So I do wanna remove them from there. What I wanted to find out from yourself was a bit more about how you'd like to see your super invested. Would you like me to look at replacing that with maybe another active manager, or do you feel like you'd like to have more of a lower cost portfolio and remove those active managers as as a whole?\n\nHow would you like to see things invested in your super? Yeah. That's okay. That's definitely fine. Yep.\n\nYeah. Absolutely. Well, what I can do, if you like, is I can have a look at the portfolios which incorporate some active management and some that don't. I can look at the capital gains cost for switching investments, look at how you invested now, look at, you know, how they've been performing in the past to see what kind of returns we can expect in the future, and also look at the fees. I'll see if I can find something lower cost and look at what's been performing greater and what provides a greater effect to you.\n\nDoes that sound okay? Yeah. Fantastic. I'll have a look at all those options for you. Not a problem at all.\n\nThe other thing I sort of wanted to look at there now, I can see within that growth environment, you're still really young. You've got a lot of time ahead of you before accessing Super. We had it noted originally that you were looking at age 67, but then lastly, you kind of mentioned age 60 you'd like to essentially retire. Is that still your goal retirement age? Absolutely.\n\nYeah. No. That's the one. Age 60 is the earliest so long as you meet the condition of release and fully retire. That is the earliest we're allowed to currently.\n\nSo I'll put that down as your goal for retirement. Is that right? Fantastic. I love that. And no.\n\nI do agree with that. And in retirement, you were sorta estimating you'd like to live on around about 1,250 per week. Does that still sound appropriate? I know that could change when you actually get to those retirement years, but is that still what you'd like me to focus on? Yeah.\n\nYeah. Absolutely. Absolutely. Now one of the things I do like to sort of look at is at the moment, we're trying to build things as much as possible and focus on the goal you have currently. However, when you actually get to 59 or 60 and you ring me and go, Dana, I wanna retire.\n\nI'm done. We will actually look at what your expenditure looks like then. We'll probably do a budget plan to talk about what income you need to live on. We'll look at reducing the risk level significantly for you and also look at having you invested more conservatively so that you're producing income to help pay down your income stream payment status. So right now, it's about building, adding as much as we can into super, getting as much growth as we can out of super.\n\nAnd then when you get to retirement, we'll reassess what you actually need at that point, look at the longevity aspect, and look at how that affects you. Does that make sense? Yep. Fantastic. Love that.\n\nI've Yep. And that was probably the next question I was gonna talk to you about was the idea of salary sacrificing and or making additional contributions to super. It also comes down to what your expenditure looks like and whether you have some additional cash flow to start doing that with. But, realistically, as much as the markets are very up and down and we're seeing those heavy dips at the moment with the volatility, it is still a good time to keep invested. Essentially, they always say buy low, sell high.\n\nIt is one of the hardest things to do, though, because when we see our super falling or we see a dip in the market, it doesn't make us feel good. But it is honestly the best time to keep investing and putting that money in because while the market takes a bit of a dip, that's because people have sold out of those investments. So those investments, when they take a dip, they're actually at a discounted rate. So putting your money in at that time when the sorry. When the market comes out and recovers, you actually see additional growth, and that can provide a greater boost to you long term.\n\nBut it's also a comfort level thing, and I tend to sort of start with people sorry. When we are looking at salary sacrificing, especially where there's volatility, starting smaller. So the same with your savings, but starting with a smaller amount, it can be as little as, you know, $20 a week or $50 a week or a fortnight. And then as you kinda get comfortable with that, then we build and grow and keep doing more and more and more. So it kinda works within your comfort level as well.\n\nBut again, it's gotta be to your comfort zone. Are you happy just to hold off on sales back for the moment? Is that sort of where you're at? Yeah. No.\n\nThat's absolutely fine. Yep. Yeah. That's absolutely fine. That's not a problem at all.\n\nIncome wise, I had you on about a 176,000 per year. Is that roughly what you're still receiving? $1.83. Beautiful. Excellent.\n\nAnd I just yep. Yeah. Beautiful. Not a problem at all. I also had it down here that at the time, you were able to save, sorry, about 1,600 per fortnight, which is going into your offset account.\n\nIs that still where you're sort of seeing things, or is that definitely a lot lower? Okay. Beautiful. And that's her fortnight still? Yep.\n\nBeautiful. There we go. Update that for you. When we sort of think about the insurance aspect now as well, so looking at your insurances, that's kind of back on that first page that you have there. In the event of passing, your life insurance you're covered for is about $673,356.90.\n\nSo if in the event that you were to as an example, if you were to pass away today, essentially, with your super balance at $26,231.09 and your life insurance, your total life cover or the amount you're insured for is about $935,006.76. Do you feel like that's fairly comfortable? Did you wanna kinda go back and review that level of cover, or do you feel that would be sufficient for your family if you passed away? Excellent. With clearing the debt, how much do you have on the mortgage currently?\n\n$4.40? Beautiful. There we go. So if you look at that and remove the 440,000, it still leaves about $495,006.76 and 48¢. And whilst you're on sort of a fairly high income without having that mortgage there, it does mean that your family could live on a lower income supplement, and that money could last them anywhere between sort of two to five years as a whole.\n\nDoes your wife work as well? Yeah. Beautiful. So that would give her a chance to either continue working or supplement your income or to take some time off and think about what she wants to do. Yeah.\n\nBeautiful. Excellent. With the TBD, now total permanent disability cover, you're covered for about $380,003.30 $3.99. So you do have less TBD than you do have life cover at the moment. Do you understand how TBD works and what that would cover or how it would pay out?\n\nNo. That's absolutely fine. So TPD pays that either a lump sum benefit or an income stream in the event that you're unable to go back to work ever again due to permanent disability. With that, we can also claim permanent incapacity against your super so we could have both released. If it was a lump sum, you're currently insured for 642,718.\n\nNow the other thing I kind of like to point out is that with TBD, if you were to take that as a full lump sum and you claim TBD under the age of 60, it is unfortunately taxable. So the government would tax up to 22% on that amount. So you actually don't receive what you are fully insured for. What I like to it's horrible, isn't it? I don't fully disagree with it.\n\nI think it's the last thing they should be taxing. That's it. That's it. What I like to sort of point out that is if you were TBD and we claimed on that TBD insurance, plus we claimed on your super, we talked to you about what you needed, whether you would, you know, wanna take a lump sum to pay your mortgage off or whether we keep that invested in your super and keep it working and draw income streams out on a lot a smaller basis to keep it working. Both of those can help to minimize the tax, and there's some other fun things that we can do to help minimize those tax consequences for you.\n\nIt's also important to note that the tax is up to 22%, so it could definitely be lower. They have a math equation that basically works at your age to the retirement age. They use 65 as a retirement age, and they kind of use that math calculation to work out what the actual taxable component would be for you. But we would definitely be able to do that equation with you and sorta help and look to minimize the tax there. The reason I kind of am going through that and explaining you so much is that just want to make sure with that level of cover, the $6.42 between your super and your CBD, are you comfortable with that level of cover?\n\nDid you wanna maybe talk more about your goals and look at reevaluating the CBD level? Yep. No. That's okay. One of the things I can see now your TBD, that's hub twenty four cover looks like I'm just actually going to go forward to have a look at the documents.\n\nYeah. So it looks like it is with Hub twenty four. So what I'll do is after the call, I'll book you in for a pre assessment with one of my team members and colleagues. That'll go through a bit of a pre assessment with you just to kind of assess what level of cover we're able to obtain, what kind of contracts we have out there, and then we can make a recommendation and update the advice to reflect your needs and your goals with TBD, and go out there and do full research for you. Are you happy with that, Adam?\n\nExcellent. Beautiful. Now when you think about TBD, if you were unable to ever go back to work again, what is it that you wanna actually have covered? Yep. Yep.\n\nSo when you think about income, would you want to cover your current income for a certain period of time, or would you say maybe half your income would be suitable? What would you wanna cover income wise? Beautiful. And is there a certain amount of years you'd be comfortable covering your income or that amount of income for? It's a hard one.\n\nThat's okay. So, realistically, you could look at maybe covering you up to the age of 60, or you could look at maybe five or ten years, or, you know, depending on if you've got I'm just double checking your circumstances. Sorry. Two children. So or if, you know, wanted to cover your income up until maybe your youngest child turns 18 or something, there's also those options.\n\nWhat do you think would be comfortable for you for your goal for that? Twenty years? Yep. Beautiful. So half income for, say, twenty years.\n\nBeautiful. Excellent. Beautiful. Is there so I can look at that for you. So you're happy if I just look to boost your TPD up so that it, you know, clears your home loan in the event that something happens and then also covers half your current income for the next twenty years.\n\nDoes that sound appropriate? Yeah. Beautiful. Fantastic. Did no.\n\nThat's absolutely. Would you also like me to look at maybe boosting up the life cover to the same level for you knowing that when we link life and TPD together, it can make the policy cheaper. Did you want me to look at those options as well? Beautiful. To make cheaper.\n\nExcellent. Fantastic. I can look at that for you. Not a problem. Now the other thing we do have here is your income protection policy, which can pay up to 70% of your pre disability income in the event that you're unable to ever go unable to go to work in a short term.\n\nSorry. So it covers you for short term disability. Based on your current income, I'm just checking the level for you. It sort of shows here on the document that you're covered for a monthly benefit of up to $10,749.20 20¢ as a monthly benefit. It's a pre so it's a gross benefit, pretax benefit amount as well.\n\nIf we have a look at your current income based on a 183,012. It shows that you would need to be covered for about 10,675. So your income benefit is very well on track for that. It is slightly over insuring you only by, you know, less than a $100, essentially. Are you comfortable with leaving that at the level it is, or did you want me to try and look at bringing that back slightly for you?\n\nYep. Beautiful. One of the things I do like about the way the policies are, they tend to sort of increase over time along with CPI as needed. So the idea is that there's slight small increases over time, which can sorta help without going through underwriting, which is a positive. But it also means that if you get a smaller increase or maybe a bonus or something, that extra little bit of monthly benefit could support you.\n\nOkay. Excellent. And you've just got a sixty day waiting period and a five year benefit period there. So it just means that if you're off work, you need to be off work for sixty days prior to submitting a claim, and then you can be on a claim for up to five years there as well, but you're fairly comfortable with that. Did you have any questions in relation to any of those?\n\nBeautiful. Thank you so much for that. Now there are other types of insurances. I'm sure others have sort of made mention to you. You can also have things like trauma, which pays out a lump sum benefit if you're diagnosed with a major traumatic condition like cancers, heart attack, strokes, and you can also get additional insurances for your children.\n\nThese are called child trauma policies, which pay out lump sum benefits if one of your child children pass away and or are diagnosed with a major traumatic condition like cancer is probably one of the biggest ones. Did you wanna look at anything additional there? These are paid out of pocket as well, so it could, you know, overextend your cash flow depending on how things are tracking. But happy with that. Beautiful.\n\nIf you ever had additional questions in relation to any of those, please let me know. I'm more than happy to talk you through and work out what your goals are with regard to them. Beautiful. The next document along is the 2026 Vanguard index chart. That's just after the internal rate of return report.\n\nCan you see that document there? Yeah. Beautiful. This one here just shows you how markets track over time and why we invest the way we do. So within your portfolio at the moment, you're in that growth environment.\n\nSo it sees 80% of your super invested in growth assets, so things like Australian shares, international shares, listed property, and commodities like gold and silver. If you look at the top line there, which is The US shares, this is an example of a growth asset. Over time, it's just over the last thirty years, it's averaged about a 10.8% return, which is fantastic. It means that it's turned $10,000 thirty years ago into over 218,000. However, being invested in that time frame means we're going through the market ups and downs, and that's probably the scary part.\n\nThat's the part that tends to make people very nervous. It's going through the ups and downs and staying invested. And that's why my job comes into play. If you're ever feeling nervous or concerned about what the markets are doing, please let me know. Market ups and downs are very normal.\n\nAnd being within that growth environment, we understand that there are expected negative returns. So within this sort of portfolio, we expect a negative return around about one in every six years. Sorry. One in every five years. My apologies.\n\nBut it also kind of suits someone who has at least six years before they're accessing their super because they can go through those and downs before they're gonna draw those funds out. So this sort of environment still suits your time horizon. Is is there anything specific question wise or anything about the market that is coming to mind for yourself that might be concerning? Or it's just hard. Yeah.\n\nYeah. And, honestly, it is about just sort of going through the ups and downs that we are seeing at the moment, but this sort of portfolio does suit your time horizon. You've got more than that more than twenty years ahead of you before accessing your super at this point. And having more of those growth assets over the longer term does provide a greater level of return. So it's about under it's about wanting to get as the best returns we possibly can, but taking on a level of risk that's comfortable with us there as well.\n\nSo you are definitely in that right sort of space for your time horizon currently. Okay? Excellent. One of the things I'd like to sort of point out is when you actually get to the retirement years, we sort of talk about being more conservatively invested. So we tend to see less of those growth assets.\n\nYou always wanna have some, but then we have more defensive assets. And defensive assets are things like cash, bonds, and fixed interest. If you have a look at the bottom of that page, the Australian bonds, that's one of these sorts of lower risk defensive investments. They get a lower rate of return. This has essentially turned 10,000 into $45 45,000, sorry, over the past thirty years.\n\nIt's averaged about a 5.2% return. But in those retirement years, because you'll be drawing income out, we'll be more conservatively invested. So we'll have less of those growth assets and more income producing assets like cash and bonds, which will provide income over growth, which will be paid down to help with the money that you're gonna draw out on a regular basis. Does that make sense? And do you have any questions at all?\n\nYep. Beautiful. If you go to the next document, the next one along is the Oakview Financial Services Guide. This one here outlines essentially all about our services. We do charge for additional services, but I sort of have that conversation with you depending on what you're after.\n\nWhen you send through your budget plan to me, I'll talk to you more about what you're after with regard to the goals there. And if you just ask a general advice, I can do that fully free of charge for you to help you along. Okay? But this essentially outlines everything about who we are, what we do, and how we do it. It has all my licensing information in there for you, and it also outlines all of our services that we provide in addition to super and insurances.\n\nOkay? Excellent. The next document along is the ongoing service agreement. So, essentially, with this one here, you're on a current and sorry. A current fee arrangement of 1.65% that will continue for the next year.\n\nIt just sort of estimates the total fee payable. Essentially, I'll just get you to sign and return that one back for me just so we can keep providing our services to you. For the advice that I'm gonna do for you now, it'll just incorporate the TBD. I'll look at the last component for you to see how we can make that more cost effective for you with increasing your TBD benefit, and I'll look at adjusting your portfolio as well. I'll look at both active and passive management styles and look at how we can lower the cost of your portfolio and keep it working harder for you.\n\nHave I missed anything? Is there anything that you might need me to sort of focus on as well for you as part of that? Yeah. Absolutely. You will have worked a long time, so we wanna make sure you enjoy your retirement years.\n\nYou've got a lifetime in retirement to look after. So fantastic. I love that. The only other thing I just wanted to sort of touch base on is just doing a really quick risk profile just to sort of make sure that that growth environment suits you. It definitely suits you from where I'm standing, but just making sure it's within your comfort level there.\n\nThe first one here is have you ever invested in, say, shares or managed funds in your own name before? No. That's okay. I will just pop that there. Beautiful.\n\nThe next one here is essentially looking at how you might react if the market take a bit of a dip. So we've seen a lot of volatility this year. But if over the next six months the market fell by 20%, how do you think you might be feeling? Do you think you maybe be wanting to put more money in, take advantage of the dip? Are you likely to call us and see what we suggest you do, or are you feeling concerned and wanting to put the money into cash?\n\nHow do you think you might react? Yep. Beautiful. Excellent. Excellent.\n\nThe next one here, it says, how much risk do you feel comfortable taking? So when you think about your super, are you comfortable taking on a higher level of risk to try and get the a greater potential returns knowing that there is, you know, there is more possibility of a downturn and you have to you'll feel that downturn. Or are you comfortable with a moderate or medium amount of risk to get the best returns you can or not not comfortable taking any risk knowing the returns are lower? Where do you think you feel on that scale? Yep.\n\nAbsolutely. Beautiful. And absolutely. And have you ever thought about borrowing to invest in shares or manage funds, or do you feel like that's too risky and only ever wanted to borrow for, say, cat property? For property?\n\nYep. Beautiful. Excellent. And with your goals and things here, I had it noted that down the track, you're wanting to obviously pay off your home loan before you retire. Are you sort of wanting to look at building and buying additional properties or investing in any other way, or are you sorta happy just as, you know, working towards 60 and and living on super?\n\nWhat's your sorta other goals down the track? Yep. Yeah. Beautiful. Excellent.\n\nAnd so you'd probably sell this current property property if that was the case? Absolutely. Yeah. Absolutely. And what kind of value would you put on the property now do you think?\n\nI had 510 here last year. Oh, beautiful. Excellent. I also had your car down with a value of 40,000. Would you keep or keep that the same or lower that slightly?\n\nYep. Beautiful. What kind of car is it now? Oh, nice. They hold their value really nicely.\n\nEveryone wants a good Ford Ranger or a Toyota Hilux, so well worth their money. Beautiful. And we had down here that you had used the offset last year to be able to pay for the wedding. Have you managed to sort of build that up again since then? Or Yeah.\n\nNo. Completely understandable. The last thing I just wanted to double check there was with your beneficiaries and the state planning. So I can see here your beneficiary, you have a binding nomination, which is great, nominating, if anything happened, a 100% to Amy. Is that right?\n\nBeautiful. Now Amy was your spouse or is your spouse. Sorry. I've got her surname here as Skelland. Is that still correct, or has she changed that since you got married?\n\nOkay. Beautiful. So we has she updated her driver's license and ID to reflect that change? Yep. Beautiful.\n\nWhat I will probably do is I'll get someone to send out your beneficiary nominations because her name needs to reflect what her ID is just because if at the event that she was the claim and things didn't match up, it would make the claim a lot harder for her. So I will get that organized. Are you happy for me to pre fill that information with all of her details that we have on file for you? Beautiful. Absolutely.\n\nAnd her name is Amy Louise Hiscock now? Beautiful. You have it as a binding, non lapsing nomination, which is honestly great because you fill one format. You never have to fill it out again until you change your nomination. You also have the option of a binding lapsing, which means we have prefill the nomination out every year three years.\n\nAre you happy to keep it binding, non lapsing? Yep. Beautiful. And have you guys talked about doing your will, power of attorney, and other estate planning documents since you got married? Beautiful.\n\nWe don't because we're not solicitors, but I can email you through some information on doing it via the will kit through the post office, or every state has a public trustee that can also help you. So I can gather that information together for you if you like and send you just an email with an outline to sort of start the conversation. Beautiful. Fantastic. And is there any other goals that you might have down the track that you might be wanting to achieve as well?\n\nTravel. Beautiful. Fantastic. Thank you so much for that. So that's basically everything I needed to go through.\n\nI'll go back and do some research there for you. I'll send you an email with the information that we've gone through. And if you can just send the budget planner back, we can touch base and have a chat about that with you as well. Sorry. The only other thing I just wanna do is to rebook you in for a day probably next week where my colleagues can go through just a pre assessment with you to assess the insurances that I'll do research on.\n\nIs there a day or time that suits you best normally? Yep. Yep. Yeah. That's next Friday.\n\nDoes Friday work best for you normally? Yeah. That's okay. What if I was to pop it yeah. Thursday is perfect as well.\n\nDid you want for the morning or afternoon? Yeah. Beautiful. Well, what if we pop it in there for, say, 09:30 Queensland time next next Thursday, the eighth? No.\n\nJust double checking. You're in Queensland, so we're on the same time zone. Beautiful. Lovely. And my team wants to give you a call just a bit of an in-depth questionnaire around your health and your work life and things like that just so I can understand what kind of insurance contracts might be on offer for you, and then I'll be able to update the recommendations there for you to reflect.\n\nOkay? Beautiful. Look. Thank you so much for your time today, Adam. Feel free to take a look through any of your documents once you're happy to start and return them back.\n\nI'll get you to do so, and I'll get stuck into the resets there for you. No problem at all. I'm also just gonna quickly book you in just to have your advice presentation a few weeks after that. So if we do your pre assessment next week, we could then provide the advice, say, two weeks after that. Would Thursday, the twenty second, be okay for that one as well?\n\nYou're fine. Sorry. I'm going a bit ahead. Beautiful. And I could do 09:30 in the morning then for you as well as we get it out of the way for you to enjoy your day.\n\nBeautiful. Thank you so much for that, Adam. My colleague, Kayden, will give you a call next Tuesday sorry. Next Thursday to go to the pre assessment, and I'll get stuck into the research in the meantime there for you, and I'll get that email out to you. So if you find there's anything additional, you please let me know.\n\nOkay? Fantastic. Thank you so much for your time today. Enjoy your day. Thanks.\n\nSee you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Adam.","start":5.8399997,"end":6.48,"sentiment":"neutral","sentiment_score":0.15846678614616394},{"text":"It's Dana from Okey Financial.","start":6.48,"end":7.94,"sentiment":"neutral","sentiment_score":0.2126532942056656},{"text":"How are you today?","start":8.08,"end":8.98,"sentiment":"neutral","sentiment_score":0.2564327232539654},{"text":"No.","start":12.0,"end":12.495,"sentiment":"neutral","sentiment_score":-0.08597368001937866},{"text":"That's absolutely fine.","start":12.735,"end":13.934999,"sentiment":"neutral","sentiment_score":0.11384749412536621}],"sentiment":"neutral","sentiment_score":0.1774333159128825,"num_words":15,"start":5.8399997,"end":13.934999},{"sentences":[{"text":"That's why I thought I'll give you another call just to see if you've missed the call or not.","start":13.934999,"end":17.535,"sentiment":"neutral","sentiment_score":0.0680481044477538},{"text":"It's all good.","start":17.535,"end":18.595,"sentiment":"positive","sentiment_score":0.6073872844378153},{"text":"I had to book in just to go to your annual review.","start":19.135,"end":21.295,"sentiment":"neutral","sentiment_score":0.1796746775507927},{"text":"Is now still a suitable time there for you?","start":21.295,"end":23.634998,"sentiment":"neutral","sentiment_score":0.09324522813161214},{"text":"Fantastic.","start":25.38,"end":25.88,"sentiment":"positive","sentiment_score":0.6962363719940186}],"sentiment":"neutral","sentiment_score":0.1546958044002002,"num_words":44,"start":13.934999,"end":25.88},{"sentences":[{"text":"Just before we jump into the call, just to let you know, we do record our calls for quality and training purposes.","start":26.34,"end":30.66,"sentiment":"neutral","sentiment_score":0.3134785998951305},{"text":"Are you happy for me to proceed with that?","start":30.66,"end":32.6,"sentiment":"positive","sentiment_score":0.35008668568399215},{"text":"Fantastic.","start":33.86,"end":34.36,"sentiment":"positive","sentiment_score":0.4369435906410218},{"text":"And just to do a quick security check there with you as well just to confirm your full name, your date of birth, and address I should have on file there.","start":34.5,"end":47.345,"sentiment":"neutral","sentiment_score":0.19734976368565713},{"text":"Yep.","start":47.485,"end":47.985,"sentiment":"neutral","sentiment_score":0.11735135316848756}],"sentiment":"neutral","sentiment_score":0.26124135917052627,"num_words":64,"start":26.34,"end":47.985},{"sentences":[{"text":"Beautiful.","start":48.125,"end":48.625,"sentiment":"positive","sentiment_score":0.3862933516502381},{"text":"Thank you so much for that.","start":48.845,"end":50.385002,"sentiment":"positive","sentiment_score":0.5872613489627838},{"text":"Adam, as part of your annual review, I did email some documents to you.","start":50.605,"end":53.885,"sentiment":"neutral","sentiment_score":0.22806492980037416},{"text":"Are you able to access your email, sir, at the moment?","start":53.885,"end":58.272858,"sentiment":"neutral","sentiment_score":0.1038540696555918},{"text":"Yeah.","start":58.37857,"end":58.87857,"sentiment":"neutral","sentiment_score":0.1761854737997055}],"sentiment":"neutral","sentiment_score":0.2551924455346483,"num_words":33,"start":48.125,"end":58.87857},{"sentences":[{"text":"Beautiful.","start":58.984283,"end":59.484283,"sentiment":"positive","sentiment_score":0.3802843987941742},{"text":"I'm just sending those through to you.","start":59.59,"end":61.11,"sentiment":"neutral","sentiment_score":0.29779745851244244},{"text":"Just sometimes it's easier that you can so you can look at them as I'm going through things.","start":61.11,"end":65.049995,"sentiment":"neutral","sentiment_score":0.2990500148799684},{"text":"All good.","start":65.83,"end":66.57,"sentiment":"neutral","sentiment_score":0.2505778819322586},{"text":"I also noted here on your file that you wanted to also have a bit of a chat about cash flow and budgeting as well, and my colleague Samantha had emailed you the budget plan.","start":67.315,"end":75.555,"sentiment":"neutral","sentiment_score":0.13481843173503877}],"sentiment":"neutral","sentiment_score":0.20742171033034248,"num_words":63,"start":58.984283,"end":75.555},{"sentences":[{"text":"Have you had a chance to complete and return that one as of yet?","start":75.555,"end":78.535,"sentiment":"neutral","sentiment_score":0.08995378363345351},{"text":"That's okay.","start":81.25,"end":81.99,"sentiment":"neutral","sentiment_score":0.033214256167411804},{"text":"Yeah.","start":82.93,"end":83.43,"sentiment":"neutral","sentiment_score":0.03507468104362488},{"text":"Yeah.","start":85.41,"end":85.81,"sentiment":"neutral","sentiment_score":0.11780069023370744},{"text":"Absolutely.","start":85.81,"end":86.31,"sentiment":"neutral","sentiment_score":0.19769473373889923}],"sentiment":"neutral","sentiment_score":0.08822903095891602,"num_words":19,"start":75.555,"end":86.31},{"sentences":[{"text":"Not a problem at all.","start":86.69,"end":87.89,"sentiment":"neutral","sentiment_score":0.2239411473274231},{"text":"Just while we are kinda going through things, you're welcome to give me a bit of an idea as to what it is you're after with regard to the cash flow and budgeting.","start":88.13,"end":94.125,"sentiment":"neutral","sentiment_score":0.2016057814612533},{"text":"If I can help today, I can certainly provide you with some information.","start":94.265,"end":97.244995,"sentiment":"neutral","sentiment_score":0.31823038252500385},{"text":"If not, we can always come back and have that conversation down the track.","start":97.784996,"end":100.825,"sentiment":"neutral","sentiment_score":0.07823406479188375},{"text":"How does that sound?","start":100.825,"end":101.805,"sentiment":"neutral","sentiment_score":0.1437007188796997}],"sentiment":"neutral","sentiment_score":0.19680827942447385,"num_words":69,"start":86.69,"end":101.805},{"sentences":[{"text":"Yeah.","start":103.625,"end":104.025,"sentiment":"positive","sentiment_score":0.5601683259010315},{"text":"Beautiful.","start":104.025,"end":104.525,"sentiment":"positive","sentiment_score":0.7238959074020386},{"text":"When it sort of comes to your cash flow and budgeting, just all the emails coming through there, What sort of things are you after?","start":104.825,"end":110.2,"sentiment":"neutral","sentiment_score":0.14623299822211266},{"text":"What sort of help are you requiring at the moment?","start":110.2,"end":112.46,"sentiment":"neutral","sentiment_score":0.009258157573640347},{"text":"Yeah.","start":126.534996,"end":127.034996,"sentiment":"neutral","sentiment_score":0.0268276147544384}],"sentiment":"neutral","sentiment_score":0.1331394310354402,"num_words":38,"start":103.625,"end":127.034996},{"sentences":[{"text":"Yep.","start":129.815,"end":130.315,"sentiment":"neutral","sentiment_score":0.031469788402318954},{"text":"No.","start":130.935,"end":131.33499,"sentiment":"neutral","sentiment_score":0.0998646467924118},{"text":"Beautiful.","start":131.33499,"end":131.83499,"sentiment":"positive","sentiment_score":0.4510744512081146},{"text":"Yep.","start":134.56001,"end":135.04001,"sentiment":"positive","sentiment_score":0.3570031523704529},{"text":"Excellent.","start":135.04001,"end":135.44,"sentiment":"positive","sentiment_score":0.6527237892150879}],"sentiment":"neutral","sentiment_score":0.31842716559767725,"num_words":5,"start":129.815,"end":135.44},{"sentences":[{"text":"So you just sort of after having me look at your budget, look at where things are going just to sort of see if there's any leeway or alterations that could be made or whether you're sort of on the right track to having things paid off.","start":135.44,"end":145.12001,"sentiment":"neutral","sentiment_score":0.17883062410227796},{"text":"Is that right?","start":145.12001,"end":145.94,"sentiment":"neutral","sentiment_score":0.1442006379365921},{"text":"Yeah.","start":147.44,"end":147.94,"sentiment":"neutral","sentiment_score":0.09629160165786745},{"text":"Yep.","start":156.185,"end":156.685,"sentiment":"neutral","sentiment_score":0.06335805356502533},{"text":"Yeah.","start":162.97,"end":163.29,"sentiment":"neutral","sentiment_score":0.08892818540334702}],"sentiment":"neutral","sentiment_score":0.1714380959857185,"num_words":53,"start":135.44,"end":163.29},{"sentences":[{"text":"Absolutely.","start":163.29,"end":163.79,"sentiment":"neutral","sentiment_score":0.15573439002037048},{"text":"When you sort of say you've got leftover cash, what are you sort of doing with that for those funds?","start":164.65,"end":169.53,"sentiment":"neutral","sentiment_score":0.011275618895888328},{"text":"Are you sort of putting them away anywhere particular to trust them, or are they just going on to the mortgage in the offset account?","start":169.53,"end":175.06999,"sentiment":"neutral","sentiment_score":-0.053086920231580736},{"text":"Yeah.","start":177.74501,"end":178.145,"sentiment":"neutral","sentiment_score":0.0017563849687576294},{"text":"Okay.","start":178.145,"end":178.645,"sentiment":"neutral","sentiment_score":-0.0006810538470745087}],"sentiment":"neutral","sentiment_score":-0.019684393890202045,"num_words":48,"start":163.29,"end":178.645},{"sentences":[{"text":"No.","start":178.705,"end":178.945,"sentiment":"neutral","sentiment_score":-0.06637158989906311},{"text":"Definitely.","start":178.945,"end":179.345,"sentiment":"neutral","sentiment_score":0.0457191988825798},{"text":"Because one of the ways I sort of look at it is at the end of the week, if you have a little bit left over cash, if you have, you know, your offset account or your savings account, have you moved that money directly into that account?","start":179.345,"end":189.205,"sentiment":"neutral","sentiment_score":0.07673913333564997},{"text":"It kinda helps you to track it.","start":189.66501,"end":191.46,"sentiment":"neutral","sentiment_score":0.22353910229035787},{"text":"The other thing to sort of look at is when it comes to savings, if you are looking to save, as soon as you get paid to allocate a certain amount of money and to move that out straight away, that way that money is no longer sitting in your everyday account.","start":191.78001,"end":204.44,"sentiment":"neutral","sentiment_score":0.21803549361916688}],"sentiment":"neutral","sentiment_score":0.15197656324150366,"num_words":109,"start":178.705,"end":204.44},{"sentences":[{"text":"So starting off small often helps as well because we you know, things get on top of us, and bills come out of nowhere left, right, and center continuously.","start":204.77501,"end":212.475,"sentiment":"positive","sentiment_score":0.40874676868833343},{"text":"So, you know, so even starting with something simple as $50 on a weekly basis, as soon as you get paid, moving that into a different savings account, like an online only account also helps because you have to go online to transfer the money back or even into your offset account there just so you can kinda track that.","start":212.695,"end":229.01,"sentiment":"neutral","sentiment_score":0.2861246315141519},{"text":"That does tend to help.","start":229.47,"end":231.01,"sentiment":"positive","sentiment_score":0.4452213287353516},{"text":"And starting smaller and building on that as you get comfortable with, saving always works really well as well.","start":231.31,"end":237.115,"sentiment":"positive","sentiment_score":0.4195387426175569},{"text":"But, yeah, look.","start":237.575,"end":238.13501,"sentiment":"neutral","sentiment_score":0.20734949906667074}],"sentiment":"positive","sentiment_score":0.34345280546052703,"num_words":116,"start":204.77501,"end":238.13501},{"sentences":[{"text":"Once you've got your budget plan done, if you send it through to us, I'll even send you an email from my email today just so you've got that directly because Samantha's, unfortunately no longer with us here.","start":238.13501,"end":248.39,"sentiment":"neutral","sentiment_score":0.19336105638036602},{"text":"So I'll get you to email back to me directly.","start":248.39,"end":250.49,"sentiment":"neutral","sentiment_score":0.16018088310956954},{"text":"And then I can touch base and have a chat about where money is going, where you could definitely make some savings or changes, or whether you're on track to kind of meet your goals there.","start":250.63,"end":258.55,"sentiment":"neutral","sentiment_score":0.2926396247413423},{"text":"Does that sound okay?","start":258.55,"end":259.61,"sentiment":"neutral","sentiment_score":0.17461958527565002},{"text":"Fantastic.","start":261.625,"end":262.125,"sentiment":"positive","sentiment_score":0.5160576105117798}],"sentiment":"neutral","sentiment_score":0.23257406085227314,"num_words":89,"start":238.13501,"end":262.125},{"sentences":[{"text":"Excellent.","start":262.425,"end":262.925,"sentiment":"positive","sentiment_score":0.4536343812942505},{"text":"Has that email popped through as of yet?","start":263.54498,"end":265.805,"sentiment":"neutral","sentiment_score":0.14061644114553928},{"text":"Oh, legend.","start":266.505,"end":267.32498,"sentiment":"neutral","sentiment_score":0.27388550341129303},{"text":"Excellent.","start":267.385,"end":267.885,"sentiment":"positive","sentiment_score":0.3787990212440491},{"text":"There we go.","start":268.985,"end":269.945,"sentiment":"neutral","sentiment_score":0.25555526713530224}],"sentiment":"neutral","sentiment_score":0.2181201159954071,"num_words":15,"start":262.425,"end":269.945},{"sentences":[{"text":"Now I'm just looking at mine as well.","start":269.945,"end":272.125,"sentiment":"neutral","sentiment_score":0.18018287979066372},{"text":"Beautiful.","start":273.63998,"end":274.12,"sentiment":"positive","sentiment_score":0.4989595115184784},{"text":"So when you open the email there, it will just note down it's got a little button that says click here to sign.","start":274.12,"end":279.66,"sentiment":"neutral","sentiment_score":0.2124127525350322},{"text":"We ask you to sign so you so click so you can move forward through the documents, but it will never ask you to sign anything you haven't read, and it's just allowing you to move through those documents to make it nice and easy there for you.","start":279.72,"end":290.405,"sentiment":"positive","sentiment_score":0.34933369668821496},{"text":"Okay.","start":290.405,"end":290.905,"sentiment":"neutral","sentiment_score":0.21010196208953855}],"sentiment":"neutral","sentiment_score":0.29387697853423933,"num_words":81,"start":269.945,"end":290.905},{"sentences":[{"text":"Excellent.","start":291.685,"end":292.185,"sentiment":"positive","sentiment_score":0.46007275581359863},{"text":"The first one there, when you do see it, will show you your summary of superannuation and insurances.","start":293.045,"end":297.70502,"sentiment":"neutral","sentiment_score":0.21846744707889026},{"text":"Is that the one you're seeing there at the moment?","start":297.765,"end":299.865,"sentiment":"neutral","sentiment_score":0.02059018276631832},{"text":"Yep.","start":300.93002,"end":301.43002,"sentiment":"neutral","sentiment_score":0.2081981897354126},{"text":"Beautiful.","start":301.65002,"end":302.15002,"sentiment":"positive","sentiment_score":0.581755518913269}],"sentiment":"neutral","sentiment_score":0.173817494824048,"num_words":31,"start":291.685,"end":302.15002},{"sentences":[{"text":"So when I have a little bit of a look back at your super, the balance last year at this time, you were sitting at around about $228,004.59 and 63¢ there.","start":302.37003,"end":313.01,"sentiment":"neutral","sentiment_score":0.2067333606382211},{"text":"So as of the September 24, you're up to $262,319.58 there, which is fantastic.","start":313.01,"end":320.835,"sentiment":"positive","sentiment_score":0.5526070871523449},{"text":"It's seeing some good additional growth there.","start":320.895,"end":323.555,"sentiment":"positive","sentiment_score":0.6353476132665362},{"text":"If you move forward to the next document, the next one is your internal rate of return.","start":324.57498,"end":328.72,"sentiment":"neutral","sentiment_score":0.10465370162444956},{"text":"It's sort of showing you how the individual investments have performed.","start":328.72,"end":331.94,"sentiment":"neutral","sentiment_score":0.06643880327994173}],"sentiment":"neutral","sentiment_score":0.26450472273215464,"num_words":80,"start":302.37003,"end":331.94},{"sentences":[{"text":"This year has definitely been a bit of an up and down year with everything that's been going on globally, so we have seen a lot of changes in the market conditions.","start":332.56,"end":340.74,"sentiment":"neutral","sentiment_score":-0.05433136416831985},{"text":"I had a bit of a look at your portfolio prior to the call, and I can definitely see some changes I'd like to make to your portfolio.","start":341.26498,"end":347.60498,"sentiment":"neutral","sentiment_score":0.10879514220037631},{"text":"So whilst we have seen a lot of ups and downs here, you have still had a really good return.","start":347.745,"end":352.005,"sentiment":"neutral","sentiment_score":0.22241993416100742},{"text":"It is lower than where I would generally expect it to be.","start":352.38498,"end":356.28998,"sentiment":"neutral","sentiment_score":-0.07253118014583985},{"text":"When we look at the entire portfolio, over the past twelve months, you're still up.","start":356.28998,"end":360.44998,"sentiment":"neutral","sentiment_score":0.08712222302953403}],"sentiment":"neutral","sentiment_score":0.05787400182371385,"num_words":107,"start":332.56,"end":360.44998},{"sentences":[{"text":"You're up by 4.70%.","start":360.44998,"end":362.87,"sentiment":"neutral","sentiment_score":0.22142117843031883},{"text":"That gives you total earnings plus growth of over $16,000 for the year.","start":363.16998,"end":367.695,"sentiment":"neutral","sentiment_score":0.12160769190925819},{"text":"However, it is a bit lower than where I would like to see for your kind of portfolio in the environment you're in.","start":367.775,"end":373.23502,"sentiment":"neutral","sentiment_score":-0.156856553386087},{"text":"Generally, when we have a growth portfolio, when we're looking at a conservative sort of risk profile rate of return, we're looking to achieve around about seven to 9% each year.","start":373.695,"end":383.4,"sentiment":"neutral","sentiment_score":-0.007389948252708682},{"text":"So this particular year, you are down a little bit on where I'd like to be.","start":383.4,"end":387.63998,"sentiment":"neutral","sentiment_score":-0.12802498368546367}],"sentiment":"neutral","sentiment_score":-0.03929430062229606,"num_words":87,"start":360.44998,"end":387.63998},{"sentences":[{"text":"So having a look at those investments, I can see some changes I definitely wanna look at making.","start":387.63998,"end":392.94,"sentiment":"neutral","sentiment_score":0.11904810989896457},{"text":"With the if you're looking at the internal rate of return report there, the first page, you'll see the top investments of Van Alarm Australian Equities.","start":394.005,"end":400.64502,"sentiment":"neutral","sentiment_score":0.05460189225581976},{"text":"Can you see that investment there?","start":400.64502,"end":402.265,"sentiment":"neutral","sentiment_score":0.04359738187243541},{"text":"Yeah.","start":403.52502,"end":403.92502,"sentiment":"neutral","sentiment_score":0.1414375901222229},{"text":"Beautiful.","start":403.92502,"end":404.42502,"sentiment":"neutral","sentiment_score":0.10889695584774016}],"sentiment":"neutral","sentiment_score":0.07835450026994714,"num_words":52,"start":387.63998,"end":404.42502},{"sentences":[{"text":"This one here hasn't been performing as well as we'd like it to be.","start":404.96503,"end":407.88,"sentiment":"negative","sentiment_score":-0.3637354938047273},{"text":"Now one of the reasons that along was placed in there, and up until this year, they've seen some really fantastic returns.","start":407.88,"end":413.82,"sentiment":"neutral","sentiment_score":0.11430207893929699},{"text":"However, with this year and with everything has been going on, they've also had some internal issues with their investments.","start":414.44,"end":420.46002,"sentiment":"neutral","sentiment_score":-0.23309557437896727},{"text":"So they're not really performing the way they'd like we'd like them to be.","start":420.935,"end":424.155,"sentiment":"negative","sentiment_score":-0.4138679461819785},{"text":"The idea of having Ben along in there was they're an actively managed fund.","start":424.615,"end":428.29498,"sentiment":"neutral","sentiment_score":0.02736451742904527}],"sentiment":"neutral","sentiment_score":-0.15060250793716737,"num_words":84,"start":404.96503,"end":428.29498},{"sentences":[{"text":"So the investment manager is trying to take in time the market, and they're supposed to be trying to outperform against the market.","start":428.29498,"end":433.995,"sentiment":"neutral","sentiment_score":0.04505913898996685},{"text":"One of the things with active managers is they don't always outperform against the market, but then along are having a few additional sorry, issues within their portfolio.","start":434.62,"end":443.6,"sentiment":"neutral","sentiment_score":-0.1270782527114664},{"text":"So I do wanna remove them from there.","start":443.82,"end":445.98,"sentiment":"neutral","sentiment_score":-0.140516459941864},{"text":"What I wanted to find out from yourself was a bit more about how you'd like to see your super invested.","start":445.98,"end":450.525,"sentiment":"neutral","sentiment_score":0.01530351276908602},{"text":"Would you like me to look at replacing that with maybe another active manager, or do you feel like you'd like to have more of a lower cost portfolio and remove those active managers as as a whole?","start":450.825,"end":461.805,"sentiment":"neutral","sentiment_score":0.008375813106172964}],"sentiment":"neutral","sentiment_score":-0.025477185529672493,"num_words":118,"start":428.29498,"end":461.805},{"sentences":[{"text":"How would you like to see things invested in your super?","start":461.85,"end":464.59,"sentiment":"neutral","sentiment_score":0.027678516947410324},{"text":"Yeah.","start":470.89,"end":471.39,"sentiment":"neutral","sentiment_score":0.0485931858420372},{"text":"That's okay.","start":471.45,"end":472.27002,"sentiment":"neutral","sentiment_score":0.11926234513521194},{"text":"That's definitely fine.","start":472.57,"end":473.87,"sentiment":"neutral","sentiment_score":0.20122730235258737},{"text":"Yep.","start":478.36502,"end":478.86502,"sentiment":"neutral","sentiment_score":0.0025703608989715576}],"sentiment":"neutral","sentiment_score":0.06654632391615047,"num_words":18,"start":461.85,"end":478.86502},{"sentences":[{"text":"Yeah.","start":480.125,"end":480.52502,"sentiment":"neutral","sentiment_score":0.0989888608455658},{"text":"Absolutely.","start":480.52502,"end":481.02502,"sentiment":"neutral","sentiment_score":0.15296518802642822},{"text":"Well, what I can do, if you like, is I can have a look at the portfolios which incorporate some active management and some that don't.","start":481.40503,"end":487.29,"sentiment":"neutral","sentiment_score":0.061191235740597434},{"text":"I can look at the capital gains cost for switching investments, look at how you invested now, look at, you know, how they've been performing in the past to see what kind of returns we can expect in the future, and also look at the fees.","start":487.37,"end":499.45,"sentiment":"neutral","sentiment_score":0.08745989065779292},{"text":"I'll see if I can find something lower cost and look at what's been performing greater and what provides a greater effect to you.","start":499.45,"end":505.535,"sentiment":"neutral","sentiment_score":0.17918420086304346}],"sentiment":"neutral","sentiment_score":0.10373981601121474,"num_words":98,"start":480.125,"end":505.535},{"sentences":[{"text":"Does that sound okay?","start":505.595,"end":506.735,"sentiment":"neutral","sentiment_score":0.09293131530284882},{"text":"Yeah.","start":507.035,"end":507.535,"sentiment":"neutral","sentiment_score":0.08713604509830475},{"text":"Fantastic.","start":508.79498,"end":509.29498,"sentiment":"neutral","sentiment_score":0.14765888452529907},{"text":"I'll have a look at all those options for you.","start":509.595,"end":511.51498,"sentiment":"neutral","sentiment_score":0.2134796753525734},{"text":"Not a problem at all.","start":511.51498,"end":512.895,"sentiment":"neutral","sentiment_score":0.3305580735206604}],"sentiment":"neutral","sentiment_score":0.20924320533162072,"num_words":21,"start":505.595,"end":512.895},{"sentences":[{"text":"The other thing I sort of wanted to look at there now, I can see within that growth environment, you're still really young.","start":513.995,"end":520.04004,"sentiment":"neutral","sentiment_score":0.07162518281003703},{"text":"You've got a lot of time ahead of you before accessing Super.","start":520.04004,"end":522.94,"sentiment":"neutral","sentiment_score":0.06275598363329966},{"text":"We had it noted originally that you were looking at age 67, but then lastly, you kind of mentioned age 60 you'd like to essentially retire.","start":523.80005,"end":532.06,"sentiment":"neutral","sentiment_score":0.031014784454153135},{"text":"Is that still your goal retirement age?","start":532.12006,"end":534.29504,"sentiment":"neutral","sentiment_score":0.047439656619514735},{"text":"Absolutely.","start":538.35504,"end":538.85504,"sentiment":"neutral","sentiment_score":0.2681654691696167}],"sentiment":"neutral","sentiment_score":0.05517505028325578,"num_words":69,"start":513.995,"end":538.85504},{"sentences":[{"text":"Yeah.","start":539.395,"end":539.635,"sentiment":"neutral","sentiment_score":0.08324992656707764},{"text":"No.","start":539.635,"end":540.135,"sentiment":"neutral","sentiment_score":0.017638754099607468},{"text":"That's the one.","start":540.275,"end":541.175,"sentiment":"neutral","sentiment_score":0.013838494196534157},{"text":"Age 60 is the earliest so long as you meet the condition of release and fully retire.","start":541.315,"end":545.79504,"sentiment":"neutral","sentiment_score":0.08501085923875079},{"text":"That is the earliest we're allowed to currently.","start":545.79504,"end":547.88995,"sentiment":"neutral","sentiment_score":0.11175314243882895}],"sentiment":"neutral","sentiment_score":0.08272046366085609,"num_words":30,"start":539.395,"end":547.88995},{"sentences":[{"text":"So I'll put that down as your goal for retirement.","start":547.88995,"end":549.97,"sentiment":"neutral","sentiment_score":0.1888811282813549},{"text":"Is that right?","start":549.97,"end":550.87,"sentiment":"neutral","sentiment_score":0.09005711724360783},{"text":"Fantastic.","start":553.00995,"end":553.50995,"sentiment":"positive","sentiment_score":0.4783136248588562},{"text":"I love that.","start":553.64996,"end":554.55,"sentiment":"negative","sentiment_score":-0.4015325605869293},{"text":"And no.","start":555.01,"end":556.61,"sentiment":"neutral","sentiment_score":-0.1453026980161667}],"sentiment":"neutral","sentiment_score":0.06011016745316355,"num_words":19,"start":547.88995,"end":556.61},{"sentences":[{"text":"I do agree with that.","start":556.61,"end":558.14996,"sentiment":"neutral","sentiment_score":-0.05222201496362686},{"text":"And in retirement, you were sorta estimating you'd like to live on around about 1,250 per week.","start":558.61,"end":564.525,"sentiment":"neutral","sentiment_score":-0.018775917480097097},{"text":"Does that still sound appropriate?","start":564.525,"end":565.98505,"sentiment":"neutral","sentiment_score":0.025770344585180283},{"text":"I know that could change when you actually get to those retirement years, but is that still what you'd like me to focus on?","start":566.04504,"end":571.80505,"sentiment":"neutral","sentiment_score":-0.018646963794405263},{"text":"Yeah.","start":571.80505,"end":572.30505,"sentiment":"neutral","sentiment_score":0.0017418526113033297}],"sentiment":"neutral","sentiment_score":-0.01725450437515974,"num_words":52,"start":556.61,"end":572.30505},{"sentences":[{"text":"Yeah.","start":577.60004,"end":578.0,"sentiment":"neutral","sentiment_score":0.015390446409583092},{"text":"Absolutely.","start":578.0,"end":578.5,"sentiment":"neutral","sentiment_score":0.07397439330816269},{"text":"Absolutely.","start":583.52,"end":584.02,"sentiment":"neutral","sentiment_score":0.17731866240501404},{"text":"Now one of the things I do like to sort of look at is at the moment, we're trying to build things as much as possible and focus on the goal you have currently.","start":584.80005,"end":591.14,"sentiment":"neutral","sentiment_score":0.12648972605957703},{"text":"However, when you actually get to 59 or 60 and you ring me and go, Dana, I wanna retire.","start":591.535,"end":596.015,"sentiment":"neutral","sentiment_score":0.041831277310848236}],"sentiment":"neutral","sentiment_score":0.09575229387597314,"num_words":56,"start":577.60004,"end":596.015},{"sentences":[{"text":"I'm done.","start":596.015,"end":596.755,"sentiment":"neutral","sentiment_score":0.025135420262813568},{"text":"We will actually look at what your expenditure looks like then.","start":596.895,"end":599.535,"sentiment":"neutral","sentiment_score":0.06253205409104173},{"text":"We'll probably do a budget plan to talk about what income you need to live on.","start":599.535,"end":602.975,"sentiment":"neutral","sentiment_score":0.08170005865395069},{"text":"We'll look at reducing the risk level significantly for you and also look at having you invested more conservatively so that you're producing income to help pay down your income stream payment status.","start":602.975,"end":613.35,"sentiment":"neutral","sentiment_score":0.30791678618301044},{"text":"So right now, it's about building, adding as much as we can into super, getting as much growth as we can out of super.","start":613.35,"end":619.76996,"sentiment":"positive","sentiment_score":0.45188633042077225}],"sentiment":"neutral","sentiment_score":0.2680447703270718,"num_words":86,"start":596.015,"end":619.76996},{"sentences":[{"text":"And then when you get to retirement, we'll reassess what you actually need at that point, look at the longevity aspect, and look at how that affects you.","start":619.925,"end":627.20496,"sentiment":"neutral","sentiment_score":0.17584638244339398},{"text":"Does that make sense?","start":627.20496,"end":628.90497,"sentiment":"neutral","sentiment_score":-0.033746542409062386},{"text":"Yep.","start":629.845,"end":630.345,"sentiment":"positive","sentiment_score":0.3875025510787964},{"text":"Fantastic.","start":630.805,"end":631.305,"sentiment":"positive","sentiment_score":0.7070274353027344},{"text":"Love that.","start":631.845,"end":632.665,"sentiment":"positive","sentiment_score":0.7233389019966125}],"sentiment":"neutral","sentiment_score":0.2036088980320427,"num_words":36,"start":619.925,"end":632.665},{"sentences":[{"text":"I've Yep.","start":633.7,"end":647.99506,"sentiment":"neutral","sentiment_score":0.18064842373132706},{"text":"And that was probably the next question I was gonna talk to you about was the idea of salary sacrificing and or making additional contributions to super.","start":647.99506,"end":655.135,"sentiment":"neutral","sentiment_score":0.06051433010509721},{"text":"It also comes down to what your expenditure looks like and whether you have some additional cash flow to start doing that with.","start":655.43506,"end":661.5,"sentiment":"neutral","sentiment_score":0.06199752369328686},{"text":"But, realistically, as much as the markets are very up and down and we're seeing those heavy dips at the moment with the volatility, it is still a good time to keep invested.","start":661.74,"end":670.16,"sentiment":"neutral","sentiment_score":0.015992092787090576},{"text":"Essentially, they always say buy low, sell high.","start":670.3,"end":673.36,"sentiment":"neutral","sentiment_score":0.05965411243960261}],"sentiment":"neutral","sentiment_score":0.04759245985738372,"num_words":93,"start":633.7,"end":673.36},{"sentences":[{"text":"It is one of the hardest things to do, though, because when we see our super falling or we see a dip in the market, it doesn't make us feel good.","start":673.5,"end":680.745,"sentiment":"neutral","sentiment_score":-0.12965951259097747},{"text":"But it is honestly the best time to keep investing and putting that money in because while the market takes a bit of a dip, that's because people have sold out of those investments.","start":681.285,"end":690.665,"sentiment":"neutral","sentiment_score":0.11097876705667552},{"text":"So those investments, when they take a dip, they're actually at a discounted rate.","start":691.08,"end":695.08,"sentiment":"neutral","sentiment_score":0.1293123321873801},{"text":"So putting your money in at that time when the sorry.","start":695.08,"end":698.28,"sentiment":"neutral","sentiment_score":0.18272687901150098},{"text":"When the market comes out and recovers, you actually see additional growth, and that can provide a greater boost to you long term.","start":698.28,"end":704.38,"sentiment":"positive","sentiment_score":0.3797422239313955}],"sentiment":"neutral","sentiment_score":0.10892276690069554,"num_words":113,"start":673.5,"end":704.38},{"sentences":[{"text":"But it's also a comfort level thing, and I tend to sort of start with people sorry.","start":705.0,"end":709.735,"sentiment":"neutral","sentiment_score":0.13767902925610542},{"text":"When we are looking at salary sacrificing, especially where there's volatility, starting smaller.","start":710.27496,"end":716.935,"sentiment":"neutral","sentiment_score":-0.020451346555581458},{"text":"So the same with your savings, but starting with a smaller amount, it can be as little as, you know, $20 a week or $50 a week or a fortnight.","start":717.15497,"end":724.83,"sentiment":"neutral","sentiment_score":0.06441668526579937},{"text":"And then as you kinda get comfortable with that, then we build and grow and keep doing more and more and more.","start":726.17004,"end":731.77,"sentiment":"neutral","sentiment_score":0.3063393404537981},{"text":"So it kinda works within your comfort level as well.","start":731.77,"end":734.57,"sentiment":"neutral","sentiment_score":0.2748554065823555}],"sentiment":"neutral","sentiment_score":0.1466869141946992,"num_words":92,"start":705.0,"end":734.57},{"sentences":[{"text":"But again, it's gotta be to your comfort zone.","start":734.57,"end":738.015,"sentiment":"neutral","sentiment_score":0.07622391978899638},{"text":"Are you happy just to hold off on sales back for the moment?","start":738.155,"end":741.115,"sentiment":"neutral","sentiment_score":-0.019488867085713606},{"text":"Is that sort of where you're at?","start":741.115,"end":742.575,"sentiment":"neutral","sentiment_score":-0.0060094789202724186},{"text":"Yeah.","start":752.54,"end":753.01996,"sentiment":"neutral","sentiment_score":-0.031233713030815125},{"text":"No.","start":753.01996,"end":753.26,"sentiment":"neutral","sentiment_score":-0.08152972161769867}],"sentiment":"neutral","sentiment_score":0.008962265125686122,"num_words":31,"start":734.57,"end":753.26},{"sentences":[{"text":"That's absolutely fine.","start":753.26,"end":754.8,"sentiment":"neutral","sentiment_score":0.001383267343044281},{"text":"Yep.","start":757.66,"end":758.16,"sentiment":"neutral","sentiment_score":0.037687964737415314},{"text":"Yeah.","start":766.395,"end":766.715,"sentiment":"neutral","sentiment_score":0.10817118734121324},{"text":"That's absolutely fine.","start":766.715,"end":768.15497,"sentiment":"neutral","sentiment_score":0.2324788123369217},{"text":"That's not a problem at all.","start":768.15497,"end":769.755,"sentiment":"neutral","sentiment_score":0.25255510956048965}],"sentiment":"neutral","sentiment_score":0.16876971774867602,"num_words":14,"start":753.26,"end":769.755},{"sentences":[{"text":"Income wise, I had you on about a 176,000 per year.","start":770.315,"end":774.075,"sentiment":"neutral","sentiment_score":0.06312782215801152},{"text":"Is that roughly what you're still receiving?","start":774.075,"end":776.04,"sentiment":"neutral","sentiment_score":0.04577703853803022},{"text":"$1.83.","start":781.94,"end":782.89996,"sentiment":"neutral","sentiment_score":0.024003658443689343},{"text":"Beautiful.","start":782.89996,"end":783.39996,"sentiment":"positive","sentiment_score":0.357435941696167},{"text":"Excellent.","start":784.5,"end":785.0,"sentiment":"positive","sentiment_score":0.448166936635971}],"sentiment":"neutral","sentiment_score":0.08783104048953169,"num_words":21,"start":770.315,"end":785.0},{"sentences":[{"text":"And I just yep.","start":786.5,"end":792.035,"sentiment":"neutral","sentiment_score":0.05791798158315942},{"text":"Yeah.","start":794.415,"end":794.815,"sentiment":"neutral","sentiment_score":0.09068845212459564},{"text":"Beautiful.","start":794.815,"end":795.315,"sentiment":"neutral","sentiment_score":0.27342522144317627},{"text":"Not a problem at all.","start":795.535,"end":796.975,"sentiment":"neutral","sentiment_score":0.15589171648025513},{"text":"I also had it down here that at the time, you were able to save, sorry, about 1,600 per fortnight, which is going into your offset account.","start":796.975,"end":805.68,"sentiment":"neutral","sentiment_score":0.04668977173666159}],"sentiment":"neutral","sentiment_score":0.0693649478734618,"num_words":38,"start":786.5,"end":805.68},{"sentences":[{"text":"Is that still where you're sort of seeing things, or is that definitely a lot lower?","start":805.68,"end":809.86,"sentiment":"neutral","sentiment_score":-0.0031355939572677016},{"text":"Okay.","start":816.24,"end":816.72003,"sentiment":"neutral","sentiment_score":0.12201805412769318},{"text":"Beautiful.","start":816.72003,"end":817.2,"sentiment":"neutral","sentiment_score":0.32756465673446655},{"text":"And that's her fortnight still?","start":817.2,"end":818.925,"sentiment":"neutral","sentiment_score":0.1084843933582306},{"text":"Yep.","start":820.505,"end":820.985,"sentiment":"neutral","sentiment_score":0.1727820336818695}],"sentiment":"neutral","sentiment_score":0.046442383667454123,"num_words":24,"start":805.68,"end":820.985},{"sentences":[{"text":"Beautiful.","start":820.985,"end":821.485,"sentiment":"positive","sentiment_score":0.35235387086868286},{"text":"There we go.","start":821.785,"end":822.665,"sentiment":"neutral","sentiment_score":0.15143694976965585},{"text":"Update that for you.","start":822.665,"end":823.96497,"sentiment":"neutral","sentiment_score":0.07875461876392365},{"text":"When we sort of think about the insurance aspect now as well, so looking at your insurances, that's kind of back on that first page that you have there.","start":824.825,"end":832.045,"sentiment":"neutral","sentiment_score":0.04857455951900318},{"text":"In the event of passing, your life insurance you're covered for is about $673,356.90.","start":832.75,"end":840.67,"sentiment":"neutral","sentiment_score":0.012344726560903447}],"sentiment":"neutral","sentiment_score":0.0530033645713154,"num_words":51,"start":820.985,"end":840.67},{"sentences":[{"text":"So if in the event that you were to as an example, if you were to pass away today, essentially, with your super balance at $26,231.09 and your life insurance, your total life cover or the amount you're insured for is about $935,006.76.","start":840.67,"end":858.66504,"sentiment":"neutral","sentiment_score":0.0061332142457019454},{"text":"Do you feel like that's fairly comfortable?","start":859.57,"end":861.43,"sentiment":"neutral","sentiment_score":0.1910955852695874},{"text":"Did you wanna kinda go back and review that level of cover, or do you feel that would be sufficient for your family if you passed away?","start":861.49,"end":867.58997,"sentiment":"neutral","sentiment_score":0.04487179730225493},{"text":"Excellent.","start":875.985,"end":876.485,"sentiment":"positive","sentiment_score":0.590532660484314},{"text":"With clearing the debt, how much do you have on the mortgage currently?","start":877.105,"end":880.005,"sentiment":"neutral","sentiment_score":0.11934697713989478}],"sentiment":"neutral","sentiment_score":0.05445032087819917,"num_words":91,"start":840.67,"end":880.005},{"sentences":[{"text":"$4.40?","start":883.025,"end":883.745,"sentiment":"neutral","sentiment_score":0.02038952335715294},{"text":"Beautiful.","start":883.745,"end":884.245,"sentiment":"neutral","sentiment_score":0.31331613659858704},{"text":"There we go.","start":885.32,"end":885.95996,"sentiment":"neutral","sentiment_score":0.09320036321878433},{"text":"So if you look at that and remove the 440,000, it still leaves about $495,006.76 and 48¢.","start":885.95996,"end":894.77997,"sentiment":"neutral","sentiment_score":0.024883852864149958},{"text":"And whilst you're on sort of a fairly high income without having that mortgage there, it does mean that your family could live on a lower income supplement, and that money could last them anywhere between sort of two to five years as a whole.","start":895.16,"end":908.665,"sentiment":"neutral","sentiment_score":0.04535420257598162}],"sentiment":"neutral","sentiment_score":0.04624829562663129,"num_words":67,"start":883.025,"end":908.665},{"sentences":[{"text":"Does your wife work as well?","start":909.20496,"end":910.95,"sentiment":"neutral","sentiment_score":0.01499092640976111},{"text":"Yeah.","start":914.47003,"end":914.79004,"sentiment":"neutral","sentiment_score":0.2819022536277771},{"text":"Beautiful.","start":914.79004,"end":915.29004,"sentiment":"neutral","sentiment_score":0.22382602095603943},{"text":"So that would give her a chance to either continue working or supplement your income or to take some time off and think about what she wants to do.","start":915.35004,"end":922.65,"sentiment":"neutral","sentiment_score":0.04692937690636207},{"text":"Yeah.","start":922.79004,"end":923.29004,"sentiment":"neutral","sentiment_score":0.06850697100162506}],"sentiment":"neutral","sentiment_score":0.053292966692855485,"num_words":38,"start":909.20496,"end":923.29004},{"sentences":[{"text":"Beautiful.","start":924.31,"end":924.81,"sentiment":"positive","sentiment_score":0.43131446838378906},{"text":"Excellent.","start":925.11,"end":925.61,"sentiment":"neutral","sentiment_score":0.28417396545410156},{"text":"With the TBD, now total permanent disability cover, you're covered for about $380,003.30 $3.99.","start":926.325,"end":933.125,"sentiment":"neutral","sentiment_score":0.06731626843767506},{"text":"So you do have less TBD than you do have life cover at the moment.","start":933.125,"end":937.54504,"sentiment":"neutral","sentiment_score":-0.017345990488926568},{"text":"Do you understand how TBD works and what that would cover or how it would pay out?","start":938.005,"end":943.03,"sentiment":"neutral","sentiment_score":-0.07537110434735522}],"sentiment":"neutral","sentiment_score":0.002425365848466754,"num_words":48,"start":924.31,"end":943.03},{"sentences":[{"text":"No.","start":944.69,"end":945.19,"sentiment":"neutral","sentiment_score":-0.09258048981428146},{"text":"That's absolutely fine.","start":945.57,"end":947.19,"sentiment":"neutral","sentiment_score":0.030554046233495075},{"text":"So TPD pays that either a lump sum benefit or an income stream in the event that you're unable to go back to work ever again due to permanent disability.","start":947.41003,"end":955.59,"sentiment":"neutral","sentiment_score":0.022049143351614474},{"text":"With that, we can also claim permanent incapacity against your super so we could have both released.","start":956.475,"end":962.175,"sentiment":"neutral","sentiment_score":0.068052385111942},{"text":"If it was a lump sum, you're currently insured for 642,718.","start":962.475,"end":968.415,"sentiment":"neutral","sentiment_score":0.02263827935199846}],"sentiment":"neutral","sentiment_score":0.03333012208402637,"num_words":62,"start":944.69,"end":968.415},{"sentences":[{"text":"Now the other thing I kind of like to point out is that with TBD, if you were to take that as a full lump sum and you claim TBD under the age of 60, it is unfortunately taxable.","start":969.3,"end":979.32,"sentiment":"neutral","sentiment_score":-0.19990244717934194},{"text":"So the government would tax up to 22% on that amount.","start":979.62,"end":983.495,"sentiment":"negative","sentiment_score":-0.44382303140380164},{"text":"So you actually don't receive what you are fully insured for.","start":983.495,"end":987.115,"sentiment":"neutral","sentiment_score":-0.24825224619020114},{"text":"What I like to it's horrible, isn't it?","start":987.735,"end":990.055,"sentiment":"negative","sentiment_score":-0.4368472583591938},{"text":"I don't fully disagree with it.","start":990.055,"end":991.655,"sentiment":"negative","sentiment_score":-0.498431921005249}],"sentiment":"neutral","sentiment_score":-0.2919252411524455,"num_words":75,"start":969.3,"end":991.655},{"sentences":[{"text":"I think it's the last thing they should be taxing.","start":991.655,"end":993.755,"sentiment":"negative","sentiment_score":-0.5192350536584854},{"text":"That's it.","start":996.37,"end":996.93,"sentiment":"negative","sentiment_score":-0.3633412718772888},{"text":"That's it.","start":996.93,"end":997.75,"sentiment":"neutral","sentiment_score":-0.22712741792201996},{"text":"What I like to sort of point out that is if you were TBD and we claimed on that TBD insurance, plus we claimed on your super, we talked to you about what you needed, whether you would, you know, wanna take a lump sum to pay your mortgage off or whether we keep that invested in your super and keep it working and draw income streams out on a lot a smaller basis to keep it working.","start":998.13,"end":1018.185,"sentiment":"neutral","sentiment_score":0.1154072912505422},{"text":"Both of those can help to minimize the tax, and there's some other fun things that we can do to help minimize those tax consequences for you.","start":1019.525,"end":1026.23,"sentiment":"positive","sentiment_score":0.4394781782671257}],"sentiment":"neutral","sentiment_score":0.12180161020648078,"num_words":119,"start":991.655,"end":1026.23},{"sentences":[{"text":"It's also important to note that the tax is up to 22%, so it could definitely be lower.","start":1027.25,"end":1031.73,"sentiment":"neutral","sentiment_score":0.15128535156448683},{"text":"They have a math equation that basically works at your age to the retirement age.","start":1031.97,"end":1036.665,"sentiment":"neutral","sentiment_score":0.12416814317305883},{"text":"They use 65 as a retirement age, and they kind of use that math calculation to work out what the actual taxable component would be for you.","start":1037.145,"end":1045.245,"sentiment":"neutral","sentiment_score":0.13141720797176715},{"text":"But we would definitely be able to do that equation with you and sorta help and look to minimize the tax there.","start":1045.625,"end":1051.26,"sentiment":"neutral","sentiment_score":0.32877584953199734},{"text":"The reason I kind of am going through that and explaining you so much is that just want to make sure with that level of cover, the $6.42 between your super and your CBD, are you comfortable with that level of cover?","start":1051.5,"end":1062.46,"sentiment":"neutral","sentiment_score":-0.02004391341129454}],"sentiment":"neutral","sentiment_score":0.11825358805557092,"num_words":124,"start":1027.25,"end":1062.46},{"sentences":[{"text":"Did you wanna maybe talk more about your goals and look at reevaluating the CBD level?","start":1062.46,"end":1067.04,"sentiment":"neutral","sentiment_score":0.017003523418679833},{"text":"Yep.","start":1076.515,"end":1077.015,"sentiment":"neutral","sentiment_score":-0.03518575057387352},{"text":"No.","start":1079.075,"end":1079.315,"sentiment":"neutral","sentiment_score":-0.13784939050674438},{"text":"That's okay.","start":1079.315,"end":1080.135,"sentiment":"neutral","sentiment_score":0.034195558400824666},{"text":"One of the things I can see now your TBD, that's hub twenty four cover looks like I'm just actually going to go forward to have a look at the documents.","start":1080.9199,"end":1090.0599,"sentiment":"neutral","sentiment_score":0.09853760934164447}],"sentiment":"neutral","sentiment_score":0.06317800470609583,"num_words":51,"start":1062.46,"end":1090.0599},{"sentences":[{"text":"Yeah.","start":1096.5349,"end":1096.7749,"sentiment":"neutral","sentiment_score":0.13559576869010925},{"text":"So it looks like it is with Hub twenty four.","start":1096.7749,"end":1098.615,"sentiment":"neutral","sentiment_score":0.13310513347387315},{"text":"So what I'll do is after the call, I'll book you in for a pre assessment with one of my team members and colleagues.","start":1098.615,"end":1104.475,"sentiment":"neutral","sentiment_score":0.1637905640527606},{"text":"That'll go through a bit of a pre assessment with you just to kind of assess what level of cover we're able to obtain, what kind of contracts we have out there, and then we can make a recommendation and update the advice to reflect your needs and your goals with TBD, and go out there and do full research for you.","start":1104.9349,"end":1119.64,"sentiment":"neutral","sentiment_score":0.1829212228016507},{"text":"Are you happy with that, Adam?","start":1119.64,"end":1120.9401,"sentiment":"neutral","sentiment_score":0.22805873056252798}],"sentiment":"neutral","sentiment_score":0.17579697900750105,"num_words":103,"start":1096.5349,"end":1120.9401},{"sentences":[{"text":"Excellent.","start":1122.4401,"end":1122.9401,"sentiment":"positive","sentiment_score":0.692192554473877},{"text":"Beautiful.","start":1123.0801,"end":1123.5801,"sentiment":"positive","sentiment_score":0.6517831087112427},{"text":"Now when you think about TBD, if you were unable to ever go back to work again, what is it that you wanna actually have covered?","start":1123.64,"end":1130.515,"sentiment":"neutral","sentiment_score":-0.050635163887188986},{"text":"Yep.","start":1139.855,"end":1140.335,"sentiment":"neutral","sentiment_score":0.07085496187210083},{"text":"Yep.","start":1140.335,"end":1140.835,"sentiment":"neutral","sentiment_score":0.0692221075296402}],"sentiment":"neutral","sentiment_score":0.0055846157173315685,"num_words":30,"start":1122.4401,"end":1140.835},{"sentences":[{"text":"So when you think about income, would you want to cover your current income for a certain period of time, or would you say maybe half your income would be suitable?","start":1141.07,"end":1150.05,"sentiment":"neutral","sentiment_score":0.025806696364475835},{"text":"What would you wanna cover income wise?","start":1150.27,"end":1152.37,"sentiment":"neutral","sentiment_score":0.01886222804231303},{"text":"Beautiful.","start":1158.4951,"end":1158.895,"sentiment":"positive","sentiment_score":0.5518319606781006},{"text":"And is there a certain amount of years you'd be comfortable covering your income or that amount of income for?","start":1158.895,"end":1164.515,"sentiment":"neutral","sentiment_score":0.08128930293023587},{"text":"It's a hard one.","start":1168.6699,"end":1169.95,"sentiment":"neutral","sentiment_score":-0.18842825666069984}],"sentiment":"neutral","sentiment_score":0.037396002797380326,"num_words":63,"start":1141.07,"end":1169.95},{"sentences":[{"text":"That's okay.","start":1169.95,"end":1170.6699,"sentiment":"neutral","sentiment_score":0.014412296935915947},{"text":"So, realistically, you could look at maybe covering you up to the age of 60, or you could look at maybe five or ten years, or, you know, depending on if you've got I'm just double checking your circumstances.","start":1170.6699,"end":1181.09,"sentiment":"neutral","sentiment_score":0.027305430087905664},{"text":"Sorry.","start":1181.3099,"end":1181.805,"sentiment":"neutral","sentiment_score":-0.04019857197999954},{"text":"Two children.","start":1183.245,"end":1183.9651,"sentiment":"neutral","sentiment_score":-0.028540627099573612},{"text":"So or if, you know, wanted to cover your income up until maybe your youngest child turns 18 or something, there's also those options.","start":1183.9651,"end":1190.8651,"sentiment":"neutral","sentiment_score":-0.0036606960638891906}],"sentiment":"neutral","sentiment_score":0.013361762288053903,"num_words":68,"start":1169.95,"end":1190.8651},{"sentences":[{"text":"What do you think would be comfortable for you for your goal for that?","start":1190.925,"end":1194.305,"sentiment":"neutral","sentiment_score":0.0474591502653701},{"text":"Twenty years?","start":1199.4601,"end":1200.1001,"sentiment":"neutral","sentiment_score":0.007242002058774233},{"text":"Yep.","start":1200.1001,"end":1200.42,"sentiment":"neutral","sentiment_score":0.0902317762374878},{"text":"Beautiful.","start":1200.42,"end":1200.9,"sentiment":"neutral","sentiment_score":0.28293299674987793},{"text":"So half income for, say, twenty years.","start":1200.9,"end":1203.3,"sentiment":"neutral","sentiment_score":0.09811511955090932}],"sentiment":"neutral","sentiment_score":0.06955530870705844,"num_words":25,"start":1190.925,"end":1203.3},{"sentences":[{"text":"Beautiful.","start":1203.3,"end":1203.8,"sentiment":"positive","sentiment_score":0.5604061484336853},{"text":"Excellent.","start":1205.4601,"end":1205.9601,"sentiment":"positive","sentiment_score":0.6424626111984253},{"text":"Beautiful.","start":1207.4601,"end":1207.9601,"sentiment":"positive","sentiment_score":0.6730440258979797},{"text":"Is there so I can look at that for you.","start":1208.02,"end":1209.9401,"sentiment":"positive","sentiment_score":0.40819462239742277},{"text":"So you're happy if I just look to boost your TPD up so that it, you know, clears your home loan in the event that something happens and then also covers half your current income for the next twenty years.","start":1209.9401,"end":1219.0751,"sentiment":"neutral","sentiment_score":0.32931316681206224}],"sentiment":"positive","sentiment_score":0.3609506732450341,"num_words":53,"start":1203.3,"end":1219.0751},{"sentences":[{"text":"Does that sound appropriate?","start":1219.0751,"end":1220.135,"sentiment":"neutral","sentiment_score":0.15765338763594627},{"text":"Yeah.","start":1222.035,"end":1222.435,"sentiment":"neutral","sentiment_score":0.23115026950836184},{"text":"Beautiful.","start":1222.435,"end":1222.935,"sentiment":"positive","sentiment_score":0.5371583700180054},{"text":"Fantastic.","start":1223.2351,"end":1223.7351,"sentiment":"positive","sentiment_score":0.5286957025527954},{"text":"Did no.","start":1224.1951,"end":1226.915,"sentiment":"neutral","sentiment_score":0.002132762223482132}],"sentiment":"neutral","sentiment_score":0.214653713007768,"num_words":9,"start":1219.0751,"end":1226.915},{"sentences":[{"text":"That's absolutely.","start":1226.915,"end":1228.37,"sentiment":"neutral","sentiment_score":0.326800212264061},{"text":"Would you also like me to look at maybe boosting up the life cover to the same level for you knowing that when we link life and TPD together, it can make the policy cheaper.","start":1229.31,"end":1238.99,"sentiment":"neutral","sentiment_score":0.2050698242017201},{"text":"Did you want me to look at those options as well?","start":1238.99,"end":1241.33,"sentiment":"neutral","sentiment_score":0.0898514146154577},{"text":"Beautiful.","start":1243.665,"end":1244.165,"sentiment":"positive","sentiment_score":0.4411020278930664},{"text":"To make cheaper.","start":1244.545,"end":1245.6849,"sentiment":"neutral","sentiment_score":0.3124954601128896}],"sentiment":"neutral","sentiment_score":0.19611535078057876,"num_words":52,"start":1226.915,"end":1245.6849},{"sentences":[{"text":"Excellent.","start":1245.745,"end":1246.245,"sentiment":"positive","sentiment_score":0.6270500421524048},{"text":"Fantastic.","start":1246.385,"end":1246.885,"sentiment":"positive","sentiment_score":0.6718928813934326},{"text":"I can look at that for you.","start":1247.105,"end":1248.225,"sentiment":"positive","sentiment_score":0.5187367711748395},{"text":"Not a problem.","start":1248.225,"end":1249.125,"sentiment":"neutral","sentiment_score":0.2259345849355062},{"text":"Now the other thing we do have here is your income protection policy, which can pay up to 70% of your pre disability income in the event that you're unable to ever go unable to go to work in a short term.","start":1249.745,"end":1260.73,"sentiment":"neutral","sentiment_score":0.07041442576086238}],"sentiment":"neutral","sentiment_score":0.1586168510839343,"num_words":54,"start":1245.745,"end":1260.73},{"sentences":[{"text":"Sorry.","start":1260.73,"end":1261.05,"sentiment":"neutral","sentiment_score":0.01315711997449398},{"text":"So it covers you for short term disability.","start":1261.05,"end":1263.39,"sentiment":"neutral","sentiment_score":0.007772910175845027},{"text":"Based on your current income, I'm just checking the level for you.","start":1264.17,"end":1267.55,"sentiment":"neutral","sentiment_score":0.06502632672588031},{"text":"It sort of shows here on the document that you're covered for a monthly benefit of up to $10,749.20 20¢ as a monthly benefit.","start":1267.93,"end":1277.755,"sentiment":"neutral","sentiment_score":0.07476709799274155},{"text":"It's a pre so it's a gross benefit, pretax benefit amount as well.","start":1277.755,"end":1281.775,"sentiment":"neutral","sentiment_score":0.07990040028324494}],"sentiment":"neutral","sentiment_score":0.06340359262468521,"num_words":58,"start":1260.73,"end":1281.775},{"sentences":[{"text":"If we have a look at your current income based on a 183,012.","start":1282.0,"end":1290.1,"sentiment":"neutral","sentiment_score":0.04518978870832003},{"text":"It shows that you would need to be covered for about 10,675.","start":1291.2,"end":1295.84,"sentiment":"neutral","sentiment_score":0.08846489215890567},{"text":"So your income benefit is very well on track for that.","start":1295.84,"end":1299.405,"sentiment":"positive","sentiment_score":0.5028962980617177},{"text":"It is slightly over insuring you only by, you know, less than a $100, essentially.","start":1299.405,"end":1304.545,"sentiment":"neutral","sentiment_score":0.17246626814206442},{"text":"Are you comfortable with leaving that at the level it is, or did you want me to try and look at bringing that back slightly for you?","start":1304.925,"end":1311.265,"sentiment":"neutral","sentiment_score":0.01766811118081764}],"sentiment":"neutral","sentiment_score":0.13134536233085853,"num_words":78,"start":1282.0,"end":1311.265},{"sentences":[{"text":"Yep.","start":1314.9401,"end":1315.34,"sentiment":"neutral","sentiment_score":0.20268146693706512},{"text":"Beautiful.","start":1315.34,"end":1315.84,"sentiment":"positive","sentiment_score":0.49277210235595703},{"text":"One of the things I do like about the way the policies are, they tend to sort of increase over time along with CPI as needed.","start":1316.06,"end":1322.46,"sentiment":"positive","sentiment_score":0.34380393761854905},{"text":"So the idea is that there's slight small increases over time, which can sorta help without going through underwriting, which is a positive.","start":1322.46,"end":1330.4049,"sentiment":"neutral","sentiment_score":0.3085269597561463},{"text":"But it also means that if you get a smaller increase or maybe a bonus or something, that extra little bit of monthly benefit could support you.","start":1331.0249,"end":1339.1849,"sentiment":"neutral","sentiment_score":0.26363407185784093}],"sentiment":"neutral","sentiment_score":0.30575123028113294,"num_words":78,"start":1314.9401,"end":1339.1849},{"sentences":[{"text":"Okay.","start":1339.1849,"end":1339.6849,"sentiment":"neutral","sentiment_score":0.170808345079422},{"text":"Excellent.","start":1340.705,"end":1341.205,"sentiment":"positive","sentiment_score":0.5225334167480469},{"text":"And you've just got a sixty day waiting period and a five year benefit period there.","start":1341.7001,"end":1345.06,"sentiment":"neutral","sentiment_score":0.2800724031403661},{"text":"So it just means that if you're off work, you need to be off work for sixty days prior to submitting a claim, and then you can be on a claim for up to five years there as well, but you're fairly comfortable with that.","start":1345.06,"end":1354.66,"sentiment":"neutral","sentiment_score":0.13167302757501603},{"text":"Did you have any questions in relation to any of those?","start":1354.66,"end":1357.215,"sentiment":"neutral","sentiment_score":0.049576872113076126}],"sentiment":"neutral","sentiment_score":0.15736664927287683,"num_words":74,"start":1339.1849,"end":1357.215},{"sentences":[{"text":"Beautiful.","start":1359.695,"end":1360.195,"sentiment":"positive","sentiment_score":0.4979730248451233},{"text":"Thank you so much for that.","start":1360.255,"end":1361.715,"sentiment":"positive","sentiment_score":0.5950107872486115},{"text":"Now there are other types of insurances.","start":1361.9349,"end":1363.715,"sentiment":"neutral","sentiment_score":0.11610752557005201},{"text":"I'm sure others have sort of made mention to you.","start":1363.775,"end":1366.515,"sentiment":"neutral","sentiment_score":0.12224311828613281},{"text":"You can also have things like trauma, which pays out a lump sum benefit if you're diagnosed with a major traumatic condition like cancers, heart attack, strokes, and you can also get additional insurances for your children.","start":1366.735,"end":1378.39,"sentiment":"neutral","sentiment_score":0.09782320814760956}],"sentiment":"neutral","sentiment_score":0.15938820183032848,"num_words":61,"start":1359.695,"end":1378.39},{"sentences":[{"text":"These are called child trauma policies, which pay out lump sum benefits if one of your child children pass away and or are diagnosed with a major traumatic condition like cancer is probably one of the biggest ones.","start":1378.77,"end":1390.885,"sentiment":"neutral","sentiment_score":0.06214206381455848},{"text":"Did you wanna look at anything additional there?","start":1391.025,"end":1393.425,"sentiment":"neutral","sentiment_score":-0.004042500164359808},{"text":"These are paid out of pocket as well, so it could, you know, overextend your cash flow depending on how things are tracking.","start":1393.425,"end":1399.425,"sentiment":"neutral","sentiment_score":-0.0987795818111171},{"text":"But happy with that.","start":1399.425,"end":1402.06,"sentiment":"positive","sentiment_score":0.3926239646971226},{"text":"Beautiful.","start":1402.4401,"end":1402.9401,"sentiment":"positive","sentiment_score":0.5795510411262512}],"sentiment":"neutral","sentiment_score":0.029826688404018815,"num_words":74,"start":1378.77,"end":1402.9401},{"sentences":[{"text":"If you ever had additional questions in relation to any of those, please let me know.","start":1403.0,"end":1406.8401,"sentiment":"neutral","sentiment_score":0.21632729237899184},{"text":"I'm more than happy to talk you through and work out what your goals are with regard to them.","start":1406.8401,"end":1411.3401,"sentiment":"positive","sentiment_score":0.5751030303929981},{"text":"Beautiful.","start":1412.92,"end":1413.42,"sentiment":"positive","sentiment_score":0.33400318026542664},{"text":"The next document along is the 2026 Vanguard index chart.","start":1414.065,"end":1417.745,"sentiment":"neutral","sentiment_score":0.10093711614608765},{"text":"That's just after the internal rate of return report.","start":1417.745,"end":1420.385,"sentiment":"neutral","sentiment_score":0.08917343616485596}],"sentiment":"neutral","sentiment_score":0.3006205367771062,"num_words":55,"start":1403.0,"end":1420.385},{"sentences":[{"text":"Can you see that document there?","start":1420.385,"end":1422.085,"sentiment":"neutral","sentiment_score":0.05167657136917114},{"text":"Yeah.","start":1423.9049,"end":1424.385,"sentiment":"neutral","sentiment_score":0.15365919470787048},{"text":"Beautiful.","start":1424.385,"end":1424.885,"sentiment":"positive","sentiment_score":0.3695487082004547},{"text":"This one here just shows you how markets track over time and why we invest the way we do.","start":1424.945,"end":1429.53,"sentiment":"neutral","sentiment_score":0.2109913833831486},{"text":"So within your portfolio at the moment, you're in that growth environment.","start":1430.01,"end":1433.15,"sentiment":"neutral","sentiment_score":0.06841773974398772}],"sentiment":"neutral","sentiment_score":0.14520811518797508,"num_words":39,"start":1420.385,"end":1433.15},{"sentences":[{"text":"So it sees 80% of your super invested in growth assets, so things like Australian shares, international shares, listed property, and commodities like gold and silver.","start":1433.2101,"end":1441.9501,"sentiment":"neutral","sentiment_score":0.08552617909243473},{"text":"If you look at the top line there, which is The US shares, this is an example of a growth asset.","start":1442.295,"end":1447.035,"sentiment":"neutral","sentiment_score":0.04725409316874686},{"text":"Over time, it's just over the last thirty years, it's averaged about a 10.8% return, which is fantastic.","start":1447.3351,"end":1454.155,"sentiment":"neutral","sentiment_score":0.21456782850954267},{"text":"It means that it's turned $10,000 thirty years ago into over 218,000.","start":1454.295,"end":1459.71,"sentiment":"neutral","sentiment_score":0.22483489910761514},{"text":"However, being invested in that time frame means we're going through the market ups and downs, and that's probably the scary part.","start":1459.85,"end":1466.01,"sentiment":"neutral","sentiment_score":-0.18385617299513382}],"sentiment":"neutral","sentiment_score":0.05789313645976962,"num_words":99,"start":1433.2101,"end":1466.01},{"sentences":[{"text":"That's the part that tends to make people very nervous.","start":1466.01,"end":1468.57,"sentiment":"neutral","sentiment_score":-0.25300098657608033},{"text":"It's going through the ups and downs and staying invested.","start":1468.57,"end":1471.7749,"sentiment":"neutral","sentiment_score":-0.16829372495412825},{"text":"And that's why my job comes into play.","start":1471.995,"end":1474.2549,"sentiment":"neutral","sentiment_score":-0.06649659061804414},{"text":"If you're ever feeling nervous or concerned about what the markets are doing, please let me know.","start":1474.5549,"end":1478.955,"sentiment":"neutral","sentiment_score":-0.16458182036876678},{"text":"Market ups and downs are very normal.","start":1478.955,"end":1480.975,"sentiment":"neutral","sentiment_score":-0.20087113550731114}],"sentiment":"neutral","sentiment_score":-0.17209439875128177,"num_words":52,"start":1466.01,"end":1480.975},{"sentences":[{"text":"And being within that growth environment, we understand that there are expected negative returns.","start":1481.0349,"end":1486.23,"sentiment":"neutral","sentiment_score":-0.17490956134029798},{"text":"So within this sort of portfolio, we expect a negative return around about one in every six years.","start":1486.71,"end":1492.09,"sentiment":"neutral","sentiment_score":-0.1690173629257414},{"text":"Sorry.","start":1492.5499,"end":1492.95,"sentiment":"neutral","sentiment_score":-0.1532631665468216},{"text":"One in every five years.","start":1492.95,"end":1493.83,"sentiment":"neutral","sentiment_score":-0.12372822612524033},{"text":"My apologies.","start":1493.83,"end":1494.57,"sentiment":"neutral","sentiment_score":-0.13741831481456757}],"sentiment":"neutral","sentiment_score":-0.16344468295574188,"num_words":40,"start":1481.0349,"end":1494.57},{"sentences":[{"text":"But it also kind of suits someone who has at least six years before they're accessing their super because they can go through those and downs before they're gonna draw those funds out.","start":1495.11,"end":1503.465,"sentiment":"neutral","sentiment_score":-0.07894279175635541},{"text":"So this sort of environment still suits your time horizon.","start":1503.525,"end":1506.265,"sentiment":"neutral","sentiment_score":0.043560576252639295},{"text":"Is is there anything specific question wise or anything about the market that is coming to mind for yourself that might be concerning?","start":1507.365,"end":1513.705,"sentiment":"neutral","sentiment_score":-0.016920783840443775},{"text":"Or it's just hard.","start":1514.085,"end":1519.1001,"sentiment":"negative","sentiment_score":-0.40218936651945114},{"text":"Yeah.","start":1519.1001,"end":1519.6001,"sentiment":"neutral","sentiment_score":-0.11644329875707626}],"sentiment":"neutral","sentiment_score":-0.06033641068448483,"num_words":71,"start":1495.11,"end":1519.6001},{"sentences":[{"text":"Yeah.","start":1519.9801,"end":1520.4801,"sentiment":"neutral","sentiment_score":-0.06232679262757301},{"text":"And, honestly, it is about just sort of going through the ups and downs that we are seeing at the moment, but this sort of portfolio does suit your time horizon.","start":1521.1001,"end":1528.16,"sentiment":"neutral","sentiment_score":0.06172924332561031},{"text":"You've got more than that more than twenty years ahead of you before accessing your super at this point.","start":1528.635,"end":1533.6951,"sentiment":"neutral","sentiment_score":0.14370400105652056},{"text":"And having more of those growth assets over the longer term does provide a greater level of return.","start":1534.0751,"end":1539.915,"sentiment":"positive","sentiment_score":0.3719814933008618},{"text":"So it's about under it's about wanting to get as the best returns we possibly can, but taking on a level of risk that's comfortable with us there as well.","start":1539.915,"end":1547.77,"sentiment":"neutral","sentiment_score":0.243708772957325}],"sentiment":"neutral","sentiment_score":0.18776349331995454,"num_words":99,"start":1519.9801,"end":1547.77},{"sentences":[{"text":"So you are definitely in that right sort of space for your time horizon currently.","start":1547.77,"end":1551.87,"sentiment":"neutral","sentiment_score":0.289462573826313},{"text":"Okay?","start":1552.17,"end":1552.67,"sentiment":"neutral","sentiment_score":0.1814848780632019},{"text":"Excellent.","start":1553.4951,"end":1553.9951,"sentiment":"positive","sentiment_score":0.5956541299819946},{"text":"One of the things I'd like to sort of point out is when you actually get to the retirement years, we sort of talk about being more conservatively invested.","start":1554.295,"end":1561.3551,"sentiment":"neutral","sentiment_score":0.16461087814692793},{"text":"So we tend to see less of those growth assets.","start":1561.5751,"end":1564.2151,"sentiment":"neutral","sentiment_score":0.06506022289395333}],"sentiment":"neutral","sentiment_score":0.18827491626143456,"num_words":56,"start":1547.77,"end":1564.2151},{"sentences":[{"text":"You always wanna have some, but then we have more defensive assets.","start":1564.2151,"end":1568.395,"sentiment":"neutral","sentiment_score":0.07869119352350633},{"text":"And defensive assets are things like cash, bonds, and fixed interest.","start":1568.67,"end":1572.13,"sentiment":"neutral","sentiment_score":0.06217589635740627},{"text":"If you have a look at the bottom of that page, the Australian bonds, that's one of these sorts of lower risk defensive investments.","start":1572.67,"end":1579.87,"sentiment":"neutral","sentiment_score":0.0755289380128185},{"text":"They get a lower rate of return.","start":1579.87,"end":1581.4901,"sentiment":"neutral","sentiment_score":0.13926988520792552},{"text":"This has essentially turned 10,000 into $45 45,000, sorry, over the past thirty years.","start":1582.045,"end":1588.385,"sentiment":"neutral","sentiment_score":0.13068891423089163}],"sentiment":"neutral","sentiment_score":0.0918449660324875,"num_words":68,"start":1564.2151,"end":1588.385},{"sentences":[{"text":"It's averaged about a 5.2% return.","start":1588.4451,"end":1591.105,"sentiment":"neutral","sentiment_score":0.11865326762199402},{"text":"But in those retirement years, because you'll be drawing income out, we'll be more conservatively invested.","start":1591.245,"end":1596.69,"sentiment":"neutral","sentiment_score":0.10971644660457969},{"text":"So we'll have less of those growth assets and more income producing assets like cash and bonds, which will provide income over growth, which will be paid down to help with the money that you're gonna draw out on a regular basis.","start":1596.69,"end":1609.0099,"sentiment":"neutral","sentiment_score":0.19568450695702008},{"text":"Does that make sense?","start":1609.0099,"end":1609.8099,"sentiment":"neutral","sentiment_score":0.11856654472649097},{"text":"And do you have any questions at all?","start":1609.8099,"end":1611.75,"sentiment":"neutral","sentiment_score":0.04665459645912051}],"sentiment":"neutral","sentiment_score":0.1517583551865659,"num_words":76,"start":1588.4451,"end":1611.75},{"sentences":[{"text":"Yep.","start":1613.555,"end":1614.035,"sentiment":"neutral","sentiment_score":0.12396105378866196},{"text":"Beautiful.","start":1614.035,"end":1614.535,"sentiment":"positive","sentiment_score":0.37235227227211},{"text":"If you go to the next document, the next one along is the Oakview Financial Services Guide.","start":1615.395,"end":1619.9751,"sentiment":"neutral","sentiment_score":0.11546170842998169},{"text":"This one here outlines essentially all about our services.","start":1620.035,"end":1623.015,"sentiment":"neutral","sentiment_score":0.09485194832086563},{"text":"We do charge for additional services, but I sort of have that conversation with you depending on what you're after.","start":1623.875,"end":1629.36,"sentiment":"neutral","sentiment_score":0.06682454347610474}],"sentiment":"neutral","sentiment_score":0.09686084945375721,"num_words":48,"start":1613.555,"end":1629.36},{"sentences":[{"text":"When you send through your budget plan to me, I'll talk to you more about what you're after with regard to the goals there.","start":1629.5,"end":1634.88,"sentiment":"neutral","sentiment_score":0.07339854484113555},{"text":"And if you just ask a general advice, I can do that fully free of charge for you to help you along.","start":1635.02,"end":1640.16,"sentiment":"neutral","sentiment_score":0.14823611182245341},{"text":"Okay?","start":1640.2201,"end":1640.7201,"sentiment":"neutral","sentiment_score":0.07878841459751129},{"text":"But this essentially outlines everything about who we are, what we do, and how we do it.","start":1642.015,"end":1645.9349,"sentiment":"neutral","sentiment_score":0.11032516465467565},{"text":"It has all my licensing information in there for you, and it also outlines all of our services that we provide in addition to super and insurances.","start":1645.9349,"end":1653.475,"sentiment":"neutral","sentiment_score":0.1158792315809815}],"sentiment":"neutral","sentiment_score":0.11105291211752447,"num_words":91,"start":1629.5,"end":1653.475},{"sentences":[{"text":"Okay?","start":1653.9349,"end":1654.4349,"sentiment":"neutral","sentiment_score":0.07220351696014404},{"text":"Excellent.","start":1655.73,"end":1656.23,"sentiment":"positive","sentiment_score":0.4702681303024292},{"text":"The next document along is the ongoing service agreement.","start":1656.53,"end":1659.51,"sentiment":"neutral","sentiment_score":0.12982428405019972},{"text":"So, essentially, with this one here, you're on a current and sorry.","start":1659.65,"end":1663.75,"sentiment":"neutral","sentiment_score":0.08191254052023093},{"text":"A current fee arrangement of 1.65% that will continue for the next year.","start":1663.81,"end":1668.165,"sentiment":"neutral","sentiment_score":0.04787302475709181}],"sentiment":"neutral","sentiment_score":0.0921163892166482,"num_words":36,"start":1653.9349,"end":1668.165},{"sentences":[{"text":"It just sort of estimates the total fee payable.","start":1668.3251,"end":1670.665,"sentiment":"neutral","sentiment_score":0.06578249939613873},{"text":"Essentially, I'll just get you to sign and return that one back for me just so we can keep providing our services to you.","start":1671.8451,"end":1677.305,"sentiment":"neutral","sentiment_score":0.13841052042941251},{"text":"For the advice that I'm gonna do for you now, it'll just incorporate the TBD.","start":1677.685,"end":1681.7051,"sentiment":"neutral","sentiment_score":0.12227611343065897},{"text":"I'll look at the last component for you to see how we can make that more cost effective for you with increasing your TBD benefit, and I'll look at adjusting your portfolio as well.","start":1682.1499,"end":1692.1499,"sentiment":"neutral","sentiment_score":0.13784888320985964},{"text":"I'll look at both active and passive management styles and look at how we can lower the cost of your portfolio and keep it working harder for you.","start":1692.1499,"end":1699.675,"sentiment":"neutral","sentiment_score":0.1485937192503895}],"sentiment":"neutral","sentiment_score":0.13268657140433787,"num_words":110,"start":1668.3251,"end":1699.675},{"sentences":[{"text":"Have I missed anything?","start":1699.975,"end":1701.175,"sentiment":"neutral","sentiment_score":0.05055070482194424},{"text":"Is there anything that you might need me to sort of focus on as well for you as part of that?","start":1701.175,"end":1705.515,"sentiment":"neutral","sentiment_score":-0.013978636247061547},{"text":"Yeah.","start":1711.33,"end":1711.83,"sentiment":"neutral","sentiment_score":-0.0018430743366479871},{"text":"Absolutely.","start":1711.89,"end":1712.39,"sentiment":"positive","sentiment_score":0.3411882519721985},{"text":"You will have worked a long time, so we wanna make sure you enjoy your retirement years.","start":1713.09,"end":1716.77,"sentiment":"positive","sentiment_score":0.43311326819307666}],"sentiment":"neutral","sentiment_score":0.1729755044322122,"num_words":44,"start":1699.975,"end":1716.77},{"sentences":[{"text":"You've got a lifetime in retirement to look after.","start":1716.77,"end":1719.33,"sentiment":"positive","sentiment_score":0.42339181237750584},{"text":"So fantastic.","start":1719.33,"end":1721.845,"sentiment":"positive","sentiment_score":0.7700904905796051},{"text":"I love that.","start":1722.225,"end":1723.125,"sentiment":"positive","sentiment_score":0.7784261504809061},{"text":"The only other thing I just wanted to sort of touch base on is just doing a really quick risk profile just to sort of make sure that that growth environment suits you.","start":1723.905,"end":1731.525,"sentiment":"neutral","sentiment_score":0.10899297509229544},{"text":"It definitely suits you from where I'm standing, but just making sure it's within your comfort level there.","start":1731.745,"end":1736.485,"sentiment":"neutral","sentiment_score":0.1756881210539076}],"sentiment":"neutral","sentiment_score":0.22223292463100874,"num_words":65,"start":1716.77,"end":1736.485},{"sentences":[{"text":"The first one here is have you ever invested in, say, shares or managed funds in your own name before?","start":1736.87,"end":1742.7301,"sentiment":"neutral","sentiment_score":0.003309724573045969},{"text":"No.","start":1744.55,"end":1744.87,"sentiment":"neutral","sentiment_score":-0.21758341789245603},{"text":"That's okay.","start":1744.87,"end":1745.75,"sentiment":"neutral","sentiment_score":-0.10366003587841988},{"text":"I will just pop that there.","start":1745.75,"end":1747.03,"sentiment":"neutral","sentiment_score":0.03689748793840408},{"text":"Beautiful.","start":1747.03,"end":1747.53,"sentiment":"positive","sentiment_score":0.4996410310268402}],"sentiment":"neutral","sentiment_score":0.012077232015629609,"num_words":30,"start":1736.87,"end":1747.53},{"sentences":[{"text":"The next one here is essentially looking at how you might react if the market take a bit of a dip.","start":1748.31,"end":1753.015,"sentiment":"neutral","sentiment_score":-0.017364933022430966},{"text":"So we've seen a lot of volatility this year.","start":1753.015,"end":1755.435,"sentiment":"neutral","sentiment_score":-0.10894196149375704},{"text":"But if over the next six months the market fell by 20%, how do you think you might be feeling?","start":1755.495,"end":1760.475,"sentiment":"neutral","sentiment_score":-0.09148624986410141},{"text":"Do you think you maybe be wanting to put more money in, take advantage of the dip?","start":1760.615,"end":1764.57,"sentiment":"neutral","sentiment_score":-0.08907068476957433},{"text":"Are you likely to call us and see what we suggest you do, or are you feeling concerned and wanting to put the money into cash?","start":1764.6499,"end":1770.73,"sentiment":"neutral","sentiment_score":-0.07919283512120064}],"sentiment":"neutral","sentiment_score":-0.07256001718742873,"num_words":93,"start":1748.31,"end":1770.73},{"sentences":[{"text":"How do you think you might react?","start":1770.73,"end":1772.19,"sentiment":"neutral","sentiment_score":-0.04227104304092271},{"text":"Yep.","start":1774.8099,"end":1775.3099,"sentiment":"neutral","sentiment_score":0.07044194638729095},{"text":"Beautiful.","start":1775.5299,"end":1776.0299,"sentiment":"positive","sentiment_score":0.4607806205749512},{"text":"Excellent.","start":1777.945,"end":1778.445,"sentiment":"positive","sentiment_score":0.5545822381973267},{"text":"Excellent.","start":1778.505,"end":1779.005,"sentiment":"positive","sentiment_score":0.4435972571372986}],"sentiment":"neutral","sentiment_score":0.11213679645549167,"num_words":11,"start":1770.73,"end":1779.005},{"sentences":[{"text":"The next one here, it says, how much risk do you feel comfortable taking?","start":1779.385,"end":1783.065,"sentiment":"neutral","sentiment_score":-0.009768508108598849},{"text":"So when you think about your super, are you comfortable taking on a higher level of risk to try and get the a greater potential returns knowing that there is, you know, there is more possibility of a downturn and you have to you'll feel that downturn.","start":1783.065,"end":1797.37,"sentiment":"neutral","sentiment_score":-0.08243561044652412},{"text":"Or are you comfortable with a moderate or medium amount of risk to get the best returns you can or not not comfortable taking any risk knowing the returns are lower?","start":1797.6699,"end":1805.99,"sentiment":"neutral","sentiment_score":-0.10403850770765735},{"text":"Where do you think you feel on that scale?","start":1805.99,"end":1807.77,"sentiment":"neutral","sentiment_score":-0.0667705126106739},{"text":"Yep.","start":1812.445,"end":1812.945,"sentiment":"neutral","sentiment_score":-0.07528722286224365}],"sentiment":"neutral","sentiment_score":-0.07757498411571279,"num_words":102,"start":1779.385,"end":1812.945},{"sentences":[{"text":"Absolutely.","start":1814.9249,"end":1815.4249,"sentiment":"neutral","sentiment_score":0.07224951684474945},{"text":"Beautiful.","start":1816.125,"end":1816.625,"sentiment":"neutral","sentiment_score":0.21427053213119507},{"text":"And absolutely.","start":1816.765,"end":1818.865,"sentiment":"neutral","sentiment_score":0.10270068421959877},{"text":"And have you ever thought about borrowing to invest in shares or manage funds, or do you feel like that's too risky and only ever wanted to borrow for, say, cat property?","start":1819.565,"end":1827.67,"sentiment":"neutral","sentiment_score":-0.036055644683074206},{"text":"For property?","start":1831.25,"end":1831.91,"sentiment":"neutral","sentiment_score":-0.015710308216512203}],"sentiment":"neutral","sentiment_score":-0.018244206023059394,"num_words":38,"start":1814.9249,"end":1831.91},{"sentences":[{"text":"Yep.","start":1831.97,"end":1832.37,"sentiment":"neutral","sentiment_score":0.07954501360654831},{"text":"Beautiful.","start":1832.37,"end":1832.87,"sentiment":"neutral","sentiment_score":0.33254024386405945},{"text":"Excellent.","start":1835.01,"end":1835.51,"sentiment":"neutral","sentiment_score":0.32920968532562256},{"text":"And with your goals and things here, I had it noted that down the track, you're wanting to obviously pay off your home loan before you retire.","start":1835.5701,"end":1844.115,"sentiment":"neutral","sentiment_score":0.10658687601486842},{"text":"Are you sort of wanting to look at building and buying additional properties or investing in any other way, or are you sorta happy just as, you know, working towards 60 and and living on super?","start":1844.815,"end":1853.87,"sentiment":"neutral","sentiment_score":0.03665121560657604}],"sentiment":"neutral","sentiment_score":0.07482703571264265,"num_words":66,"start":1831.97,"end":1853.87},{"sentences":[{"text":"What's your sorta other goals down the track?","start":1853.87,"end":1855.89,"sentiment":"neutral","sentiment_score":0.0072282058536075056},{"text":"Yep.","start":1862.2699,"end":1862.7699,"sentiment":"neutral","sentiment_score":-0.022782903164625168},{"text":"Yeah.","start":1864.9099,"end":1865.3099,"sentiment":"neutral","sentiment_score":0.12910793721675873},{"text":"Beautiful.","start":1865.3099,"end":1865.8099,"sentiment":"positive","sentiment_score":0.5533627867698669},{"text":"Excellent.","start":1866.265,"end":1866.585,"sentiment":"positive","sentiment_score":0.6010866165161133}],"sentiment":"neutral","sentiment_score":0.10988334034724782,"num_words":12,"start":1853.87,"end":1866.585},{"sentences":[{"text":"And so you'd probably sell this current property property if that was the case?","start":1866.585,"end":1870.285,"sentiment":"neutral","sentiment_score":0.10403128819806236},{"text":"Absolutely.","start":1880.4249,"end":1880.9249,"sentiment":"neutral","sentiment_score":0.010368330404162409},{"text":"Yeah.","start":1883.03,"end":1883.53,"sentiment":"neutral","sentiment_score":0.06717001646757126},{"text":"Absolutely.","start":1883.67,"end":1884.17,"sentiment":"neutral","sentiment_score":0.08921398222446442},{"text":"And what kind of value would you put on the property now do you think?","start":1884.39,"end":1887.19,"sentiment":"neutral","sentiment_score":0.02928654340406259}],"sentiment":"neutral","sentiment_score":0.06445276609156281,"num_words":32,"start":1866.585,"end":1887.19},{"sentences":[{"text":"I had 510 here last year.","start":1887.19,"end":1889.61,"sentiment":"neutral","sentiment_score":0.0004420109714070956},{"text":"Oh, beautiful.","start":1892.63,"end":1893.45,"sentiment":"neutral","sentiment_score":0.2698863297700882},{"text":"Excellent.","start":1894.885,"end":1895.385,"sentiment":"positive","sentiment_score":0.4276905655860901},{"text":"I also had your car down with a value of 40,000.","start":1895.6849,"end":1898.965,"sentiment":"neutral","sentiment_score":0.11009932140057738},{"text":"Would you keep or keep that the same or lower that slightly?","start":1898.965,"end":1902.505,"sentiment":"neutral","sentiment_score":0.034167321398854256}],"sentiment":"neutral","sentiment_score":0.08097549009835348,"num_words":32,"start":1887.19,"end":1902.505},{"sentences":[{"text":"Yep.","start":1905.365,"end":1905.865,"sentiment":"neutral","sentiment_score":0.05432898923754692},{"text":"Beautiful.","start":1909.53,"end":1910.01,"sentiment":"neutral","sentiment_score":0.3071972131729126},{"text":"What kind of car is it now?","start":1910.01,"end":1911.47,"sentiment":"neutral","sentiment_score":0.0369628444314003},{"text":"Oh, nice.","start":1912.97,"end":1913.6901,"sentiment":"neutral","sentiment_score":0.20592737942934036},{"text":"They hold their value really nicely.","start":1913.6901,"end":1915.21,"sentiment":"neutral","sentiment_score":0.23973527550697327}],"sentiment":"neutral","sentiment_score":0.1453254426665166,"num_words":17,"start":1905.365,"end":1915.21},{"sentences":[{"text":"Everyone wants a good Ford Ranger or a Toyota Hilux, so well worth their money.","start":1915.21,"end":1919.71,"sentiment":"neutral","sentiment_score":0.14778718550999959},{"text":"Beautiful.","start":1919.77,"end":1920.27,"sentiment":"positive","sentiment_score":0.44259440898895264},{"text":"And we had down here that you had used the offset last year to be able to pay for the wedding.","start":1922.565,"end":1926.9049,"sentiment":"neutral","sentiment_score":0.018912144005298615},{"text":"Have you managed to sort of build that up again since then?","start":1927.6849,"end":1930.4049,"sentiment":"neutral","sentiment_score":0.0024490326177328825},{"text":"Or Yeah.","start":1930.4049,"end":1935.76,"sentiment":"neutral","sentiment_score":-0.023523508571088314}],"sentiment":"neutral","sentiment_score":0.059586246863153634,"num_words":51,"start":1915.21,"end":1935.76},{"sentences":[{"text":"No.","start":1935.76,"end":1936.16,"sentiment":"neutral","sentiment_score":-0.031194066628813744},{"text":"Completely understandable.","start":1936.16,"end":1937.2999,"sentiment":"neutral","sentiment_score":0.012234038982569473},{"text":"The last thing I just wanted to double check there was with your beneficiaries and the state planning.","start":1938.5599,"end":1942.72,"sentiment":"neutral","sentiment_score":0.0191164163665639},{"text":"So I can see here your beneficiary, you have a binding nomination, which is great, nominating, if anything happened, a 100% to Amy.","start":1942.72,"end":1951.195,"sentiment":"neutral","sentiment_score":0.10993491226564282},{"text":"Is that right?","start":1951.335,"end":1952.235,"sentiment":"neutral","sentiment_score":0.05740260456999143}],"sentiment":"neutral","sentiment_score":0.06464000642030286,"num_words":47,"start":1935.76,"end":1952.235},{"sentences":[{"text":"Beautiful.","start":1953.495,"end":1953.995,"sentiment":"neutral","sentiment_score":0.2455587238073349},{"text":"Now Amy was your spouse or is your spouse.","start":1954.135,"end":1956.855,"sentiment":"neutral","sentiment_score":0.03872591919369168},{"text":"Sorry.","start":1956.855,"end":1957.355,"sentiment":"neutral","sentiment_score":-0.01362054981291294},{"text":"I've got her surname here as Skelland.","start":1957.815,"end":1959.99,"sentiment":"neutral","sentiment_score":0.005157067074573466},{"text":"Is that still correct, or has she changed that since you got married?","start":1959.99,"end":1963.05,"sentiment":"neutral","sentiment_score":-0.013561208016024185}],"sentiment":"neutral","sentiment_score":0.014202426195204738,"num_words":31,"start":1953.495,"end":1963.05},{"sentences":[{"text":"Okay.","start":1964.31,"end":1964.71,"sentiment":"neutral","sentiment_score":0.20496314764022827},{"text":"Beautiful.","start":1964.71,"end":1965.11,"sentiment":"positive","sentiment_score":0.5243945717811584},{"text":"So we has she updated her driver's license and ID to reflect that change?","start":1965.11,"end":1969.45,"sentiment":"neutral","sentiment_score":0.15226863218205317},{"text":"Yep.","start":1971.805,"end":1972.045,"sentiment":"neutral","sentiment_score":0.1829373687505722},{"text":"Beautiful.","start":1972.045,"end":1972.4451,"sentiment":"positive","sentiment_score":0.48016634583473206}],"sentiment":"neutral","sentiment_score":0.1957901269197464,"num_words":18,"start":1964.31,"end":1972.4451},{"sentences":[{"text":"What I will probably do is I'll get someone to send out your beneficiary nominations because her name needs to reflect what her ID is just because if at the event that she was the claim and things didn't match up, it would make the claim a lot harder for her.","start":1972.4451,"end":1985.645,"sentiment":"neutral","sentiment_score":0.03607484694643348},{"text":"So I will get that organized.","start":1985.645,"end":1988.0099,"sentiment":"neutral","sentiment_score":0.1156785748898983},{"text":"Are you happy for me to pre fill that information with all of her details that we have on file for you?","start":1988.0099,"end":1993.1499,"sentiment":"neutral","sentiment_score":0.1798259626058015},{"text":"Beautiful.","start":1994.8899,"end":1995.3899,"sentiment":"positive","sentiment_score":0.5742603540420532},{"text":"Absolutely.","start":1996.25,"end":1996.75,"sentiment":"neutral","sentiment_score":0.2442234754562378}],"sentiment":"neutral","sentiment_score":0.09022893395596816,"num_words":81,"start":1972.4451,"end":1996.75},{"sentences":[{"text":"And her name is Amy Louise Hiscock now?","start":1996.8899,"end":1999.7899,"sentiment":"neutral","sentiment_score":0.10330097191035748},{"text":"Beautiful.","start":2001.095,"end":2001.595,"sentiment":"positive","sentiment_score":0.5347790718078613},{"text":"You have it as a binding, non lapsing nomination, which is honestly great because you fill one format.","start":2002.215,"end":2006.7749,"sentiment":"positive","sentiment_score":0.42370375825299156},{"text":"You never have to fill it out again until you change your nomination.","start":2006.7749,"end":2009.835,"sentiment":"positive","sentiment_score":0.34212097984093887},{"text":"You also have the option of a binding lapsing, which means we have prefill the nomination out every year three years.","start":2010.375,"end":2016.2999,"sentiment":"neutral","sentiment_score":0.18764631095386686}],"sentiment":"neutral","sentiment_score":0.2848524551411144,"num_words":61,"start":1996.8899,"end":2016.2999},{"sentences":[{"text":"Are you happy to keep it binding, non lapsing?","start":2016.44,"end":2018.86,"sentiment":"neutral","sentiment_score":0.12880767467949125},{"text":"Yep.","start":2021.16,"end":2021.48,"sentiment":"neutral","sentiment_score":0.11483060568571092},{"text":"Beautiful.","start":2021.48,"end":2021.96,"sentiment":"neutral","sentiment_score":0.28476253151893616},{"text":"And have you guys talked about doing your will, power of attorney, and other estate planning documents since you got married?","start":2021.96,"end":2027.58,"sentiment":"neutral","sentiment_score":0.1053929470834278},{"text":"Beautiful.","start":2035.165,"end":2035.645,"sentiment":"neutral","sentiment_score":0.11695878952741624}],"sentiment":"neutral","sentiment_score":0.11785069356362025,"num_words":33,"start":2016.44,"end":2035.645},{"sentences":[{"text":"We don't because we're not solicitors, but I can email you through some information on doing it via the will kit through the post office, or every state has a public trustee that can also help you.","start":2035.645,"end":2046.3301,"sentiment":"neutral","sentiment_score":0.11272572140788308},{"text":"So I can gather that information together for you if you like and send you just an email with an outline to sort of start the conversation.","start":2046.3301,"end":2053.07,"sentiment":"neutral","sentiment_score":0.1671900765763389},{"text":"Beautiful.","start":2055.7048,"end":2056.2048,"sentiment":"positive","sentiment_score":0.5810558795928955},{"text":"Fantastic.","start":2056.4248,"end":2056.9248,"sentiment":"positive","sentiment_score":0.5370336771011353},{"text":"And is there any other goals that you might have down the track that you might be wanting to achieve as well?","start":2057.4648,"end":2063.645,"sentiment":"neutral","sentiment_score":0.2301595089110461}],"sentiment":"neutral","sentiment_score":0.16893843764079397,"num_words":88,"start":2035.645,"end":2063.645},{"sentences":[{"text":"Travel.","start":2068.1848,"end":2068.6848,"sentiment":"neutral","sentiment_score":0.005199449136853218},{"text":"Beautiful.","start":2069.72,"end":2070.22,"sentiment":"positive","sentiment_score":0.3672282099723816},{"text":"Fantastic.","start":2070.68,"end":2071.18,"sentiment":"positive","sentiment_score":0.45851579308509827},{"text":"Thank you so much for that.","start":2071.64,"end":2073.0999,"sentiment":"positive","sentiment_score":0.5649272302786509},{"text":"So that's basically everything I needed to go through.","start":2073.48,"end":2075.7998,"sentiment":"neutral","sentiment_score":0.290924103723632}],"sentiment":"positive","sentiment_score":0.3799346537432737,"num_words":18,"start":2068.1848,"end":2075.7998},{"sentences":[{"text":"I'll go back and do some research there for you.","start":2075.7998,"end":2077.72,"sentiment":"neutral","sentiment_score":0.1483177810907364},{"text":"I'll send you an email with the information that we've gone through.","start":2077.72,"end":2080.5999,"sentiment":"neutral","sentiment_score":0.17586921900510788},{"text":"And if you can just send the budget planner back, we can touch base and have a chat about that with you as well.","start":2080.5999,"end":2086.2048,"sentiment":"neutral","sentiment_score":0.18509000663956007},{"text":"Sorry.","start":2087.065,"end":2087.4648,"sentiment":"neutral","sentiment_score":-0.038543932139873505},{"text":"The only other thing I just wanna do is to rebook you in for a day probably next week where my colleagues can go through just a pre assessment with you to assess the insurances that I'll do research on.","start":2087.4648,"end":2098.125,"sentiment":"neutral","sentiment_score":0.02365604161750525}],"sentiment":"neutral","sentiment_score":0.10279846357331536,"num_words":87,"start":2075.7998,"end":2098.125},{"sentences":[{"text":"Is there a day or time that suits you best normally?","start":2098.34,"end":2101.16,"sentiment":"neutral","sentiment_score":0.0378143387761983},{"text":"Yep.","start":2107.46,"end":2107.96,"sentiment":"neutral","sentiment_score":0.01975809782743454},{"text":"Yep.","start":2112.34,"end":2112.735,"sentiment":"neutral","sentiment_score":0.0144082335755229},{"text":"Yeah.","start":2123.8552,"end":2124.2551,"sentiment":"neutral","sentiment_score":0.022866670042276382},{"text":"That's next Friday.","start":2124.2551,"end":2125.47,"sentiment":"neutral","sentiment_score":0.021956822524468105}],"sentiment":"neutral","sentiment_score":0.03169771738569526,"num_words":17,"start":2098.34,"end":2125.47},{"sentences":[{"text":"Does Friday work best for you normally?","start":2125.47,"end":2127.41,"sentiment":"neutral","sentiment_score":0.03005443699657917},{"text":"Yeah.","start":2129.95,"end":2130.27,"sentiment":"neutral","sentiment_score":0.054447416216135025},{"text":"That's okay.","start":2130.27,"end":2131.07,"sentiment":"neutral","sentiment_score":0.09461371600627899},{"text":"What if I was to pop it yeah.","start":2131.07,"end":2134.21,"sentiment":"neutral","sentiment_score":0.016786030028015375},{"text":"Thursday is perfect as well.","start":2135.87,"end":2137.55,"sentiment":"neutral","sentiment_score":0.19283573627471923}],"sentiment":"neutral","sentiment_score":0.06750099255662897,"num_words":23,"start":2125.47,"end":2137.55},{"sentences":[{"text":"Did you want for the morning or afternoon?","start":2137.55,"end":2139.41,"sentiment":"neutral","sentiment_score":0.030915880110114813},{"text":"Yeah.","start":2142.545,"end":2142.865,"sentiment":"neutral","sentiment_score":0.08454611897468567},{"text":"Beautiful.","start":2142.865,"end":2143.345,"sentiment":"neutral","sentiment_score":0.2364490032196045},{"text":"Well, what if we pop it in there for, say, 09:30 Queensland time next next Thursday, the eighth?","start":2143.345,"end":2151.285,"sentiment":"neutral","sentiment_score":0.027283639543586306},{"text":"No.","start":2151.505,"end":2151.825,"sentiment":"neutral","sentiment_score":-0.015074227936565876}],"sentiment":"neutral","sentiment_score":0.03601218782493781,"num_words":29,"start":2137.55,"end":2151.825},{"sentences":[{"text":"Just double checking.","start":2151.825,"end":2152.7048,"sentiment":"neutral","sentiment_score":0.023587623611092567},{"text":"You're in Queensland, so we're on the same time zone.","start":2152.7048,"end":2154.865,"sentiment":"neutral","sentiment_score":0.03313712365925312},{"text":"Beautiful.","start":2154.865,"end":2155.365,"sentiment":"positive","sentiment_score":0.4088724851608277},{"text":"Lovely.","start":2156.72,"end":2157.1199,"sentiment":"positive","sentiment_score":0.4720293879508972},{"text":"And my team wants to give you a call just a bit of an in-depth questionnaire around your health and your work life and things like that just so I can understand what kind of insurance contracts might be on offer for you, and then I'll be able to update the recommendations there for you to reflect.","start":2157.1199,"end":2171.295,"sentiment":"neutral","sentiment_score":0.17685213188330332}],"sentiment":"neutral","sentiment_score":0.15782788191508088,"num_words":72,"start":2151.825,"end":2171.295},{"sentences":[{"text":"Okay?","start":2171.535,"end":2172.035,"sentiment":"neutral","sentiment_score":0.09175577759742735},{"text":"Beautiful.","start":2173.775,"end":2174.275,"sentiment":"positive","sentiment_score":0.5579344034194946},{"text":"Look.","start":2174.4949,"end":2174.7349,"sentiment":"positive","sentiment_score":0.4484497308731079},{"text":"Thank you so much for your time today, Adam.","start":2174.7349,"end":2176.4949,"sentiment":"positive","sentiment_score":0.5787523256407844},{"text":"Feel free to take a look through any of your documents once you're happy to start and return them back.","start":2176.4949,"end":2180.9749,"sentiment":"positive","sentiment_score":0.39129645079374314}],"sentiment":"positive","sentiment_score":0.4416512455791235,"num_words":32,"start":2171.535,"end":2180.9749},{"sentences":[{"text":"I'll get you to do so, and I'll get stuck into the resets there for you.","start":2180.9749,"end":2184.915,"sentiment":"neutral","sentiment_score":0.30159016512334347},{"text":"No problem at all.","start":2187.0898,"end":2188.13,"sentiment":"positive","sentiment_score":0.34929292649030685},{"text":"I'm also just gonna quickly book you in just to have your advice presentation a few weeks after that.","start":2188.13,"end":2192.93,"sentiment":"neutral","sentiment_score":0.2832524109827845},{"text":"So if we do your pre assessment next week, we could then provide the advice, say, two weeks after that.","start":2192.93,"end":2198.3699,"sentiment":"neutral","sentiment_score":0.09588576517999173},{"text":"Would Thursday, the twenty second, be okay for that one as well?","start":2198.3699,"end":2202.295,"sentiment":"neutral","sentiment_score":0.08761588577181101}],"sentiment":"neutral","sentiment_score":0.20526078999252387,"num_words":71,"start":2180.9749,"end":2202.295},{"sentences":[{"text":"You're fine.","start":2206.035,"end":2206.755,"sentiment":"neutral","sentiment_score":0.028996318578720093},{"text":"Sorry.","start":2206.755,"end":2207.155,"sentiment":"neutral","sentiment_score":-0.03440744802355766},{"text":"I'm going a bit ahead.","start":2207.155,"end":2208.295,"sentiment":"neutral","sentiment_score":0.01768341604620218},{"text":"Beautiful.","start":2211.01,"end":2211.33,"sentiment":"positive","sentiment_score":0.8074601888656616},{"text":"And I could do 09:30 in the morning then for you as well as we get it out of the way for you to enjoy your day.","start":2211.33,"end":2216.3901,"sentiment":"positive","sentiment_score":0.566757693334862}],"sentiment":"positive","sentiment_score":0.45060889384088415,"num_words":36,"start":2206.035,"end":2216.3901},{"sentences":[{"text":"Beautiful.","start":2218.2102,"end":2218.7102,"sentiment":"positive","sentiment_score":0.7785348892211914},{"text":"Thank you so much for that, Adam.","start":2218.77,"end":2220.6301,"sentiment":"positive","sentiment_score":0.7875211324010577},{"text":"My colleague, Kayden, will give you a call next Tuesday sorry.","start":2220.6902,"end":2223.25,"sentiment":"positive","sentiment_score":0.37909928912466223},{"text":"Next Thursday to go to the pre assessment, and I'll get stuck into the research in the meantime there for you, and I'll get that email out to you.","start":2223.25,"end":2229.835,"sentiment":"neutral","sentiment_score":0.33287872785124284},{"text":"So if you find there's anything additional, you please let me know.","start":2229.835,"end":2233.115,"sentiment":"neutral","sentiment_score":0.1431365975489219}],"sentiment":"positive","sentiment_score":0.3638732879112164,"num_words":60,"start":2218.2102,"end":2233.115},{"sentences":[{"text":"Okay?","start":2233.115,"end":2233.615,"sentiment":"neutral","sentiment_score":0.12936124205589294},{"text":"Fantastic.","start":2238.083,"end":2238.583,"sentiment":"positive","sentiment_score":0.8108378648757935},{"text":"Thank you so much for your time today.","start":2238.7231,"end":2240.483,"sentiment":"positive","sentiment_score":0.8601834625005722},{"text":"Enjoy your day.","start":2240.483,"end":2241.4631,"sentiment":"positive","sentiment_score":0.7929765184720358},{"text":"Thanks.","start":2243.2031,"end":2243.7031,"sentiment":"positive","sentiment_score":0.5703572630882263}],"sentiment":"positive","sentiment_score":0.7693538303886142,"num_words":14,"start":2233.115,"end":2243.7031},{"sentences":[{"text":"See you later.","start":2243.843,"end":2244.563,"sentiment":"positive","sentiment_score":0.37836066881815594},{"text":"Bye.","start":2244.563,"end":2245.063,"sentiment":"neutral","sentiment_score":-0.09237567335367204}],"sentiment":"neutral","sentiment_score":0.26067658327519894,"num_words":4,"start":2243.843,"end":2245.063}]}}]},{"alternatives":[{"transcript":"Hello? Hello? Hello? Hello? Good. Yourself? Sorry. I didn't realize the time and just missed you. Yeah. That's perfect. Yep. Yep. Adam, Leslie, Hissock, first of the second nineteen ninety three, and thirty Catherine Road, Colopy, Queensland four six 80. Yes. Yep. Yep. No. I haven't. But we'll just do the annual review for now, and I'll book in that financial review later. Yep. Okay. Yep. Yeah. No. That sounds good. Just with the price of living, but just yeah. We've got the home loan, two cars, and I've just consolidated, like, a credit card and everything like that, couple personal loans into the one just to bring it down to one smaller payment. So I think I'm on the right track, but yeah. Yeah. That's correct. Yeah. So, like, we we sort of do a budget ourselves, and when we look at it, it's we, you know, we should have this much left over by the end of the fortnight. But, yeah, obviously, all the little things add up, and then it just yeah. You lose track of it then. It's literally gone to everyday spending. Yep. Yep. Yep. Oh, yeah. Yep. Yep. Yep. Yep. Yeah. No. That sounds perfect. Yes. It has. Yep. Yep. Yes. Yep. That's the first part. Yep. Yep. Yep. Yep. Oh, yes. It has. Yep. Yep. Yep. Yep. Yeah. I can. Yep. Yep. Yep. Look. I don't know really too much about this. That's why I pay you guys to do it. So, yeah, as long as I'm making money on my super and not losing out is all I'm sort of chasing, really. Yep. Yep. Yeah. No. That sounds perfect. Yep. The earlier, the better, really. Yeah. Yeah. Yeah. Yeah. Yeah. Yep. Yeah. No. That would be perfect. Yep. Yeah. I don't wanna be working till I'm 70 four. Yeah. Around the, yeah, around then. Yeah. Around that because, yeah, all honestly, it all depends on price of living. If it's gonna be through the roof, it's been forty years time or yeah. It's gonna be need to be more than that. Yep. Yep. Yep. Yeah. No. That's that's perfect. Yeah. Because I'd be wanting to put more back in, like, salary sacrifice myself, but until you until I see what the future's gonna plan with the way the economy's going, it's, yeah, I'd rather just keep every bit of money I can myself into my pocket. Yep. Yep. Yep. Yep. Yep. Yeah. Yep. Just with check. As I said, price of living, got two cars. It's costing a $180 each car to fill. Like, it's ridiculous at the moment. And, yeah, putting food on the table, the fortune side. There's a lot of yeah. There's a bit of security at the moment and once I've, yeah, work out a few things and, yeah, I'll go back to salary sacrificing. I think it's around at $1.83 now. Yep. I think. Yeah. I haven't got I've got a payroll that's coming in there. I'll find out more then, but I think it's about that $1.83. It's definitely a lot lower now. It's about, yeah, $8,900 into the offset, which the offset is every day every day I can, anyway. Yep. Yep. Yep. Well, that would clear all the debts and give them money. So, yeah, that would that yeah. That should be quite comfortable with that. $4.40? Yep. Yep. Yep. Yeah. She does. Yeah. Sixteen hours away. Probably. Yeah. Yep. Yep. Not a clue. Not a clue. Yep. Yep. Yep. That's cool if I don't. Government just taxes more. Yep. Yep. Yep. Yep. Yep. Yeah. Possibly. Because, yeah, I don't think that would if I couldn't work the rest of my life, it's yeah. Wouldn't cover much at all. Yep. Yep. Yeah. That'll be fine. Yep. Definitely clear the home loan. Yep. And, obviously, just that little income to help, really. Maybe half because if the home loan was all clear, yeah, half of the income would be perfect. Mm-mm. I'm not sure on that question. Yeah. Yeah. Look. But oh, just roughly maybe twenty years. Yep. Yeah. That sounds yeah. Yep. Just without the air sitting down and thinking about it too much. Probably, you know, stop me Yeah. Yep. Yep. Yep. No. Just leave it at the cover it is. Yep. Yep. Yep. Yep. No. No. It's all good. Yep. No. It's it's fine. Thank you. Yep. Yep. Yes. Yes. I can. Yep. Yep. Yep. Yep. Yep. No. It's just the market's shit in general at the moment. That's about it. Yep. Yep. Yep. Sounds beautiful. Yep. Yep. Yep. Yep. Yep. Yep. Not beautiful. Yep. Yep. Yep. Yep. That's beautiful. No. Just well, the main thing is just, yeah, making sure the safe is going in the wrong direction, really. We we That's Yep. Not. No. I probably rang you guys and yeah. If you guys help with the decision. No. Just keep it I'm pretty sure I'm high risk at the moment. Just keep it high risk while I'm still young and earning money. So I might as much as I can. Yeah. Just borrow from property and not really. Yep. Look. Maybe down the track. We're looking at extending on the house for it now. If not, sell and buy something bigger. Okay. Yeah. I would evaluate to see if it's worth extension or if it's worth just yeah. If it's not sorry. If we're borrowing more than what the house is worth, if it's a sell and buy another house. It's about 4 of 83 at the moment. Yeah. I sold that car since the last review. So the new one out of the rear end, probably that 50 at the moment. 50 50 four. Ford Ranger. Yeah. Yep. That's it. Yep. No. Not really. We're going, yeah, roughly paycheck to paycheck at the moment. Yep. Yes. Yes. That's correct. Yep. No. It's it's yeah. It's called. Yeah. Yep. Yes. Yes. Yep. Yep. Yep. Yeah. That'd be perfect. You make it hell of a lot easier. Yes. That's correct. Yep. Yep. Yeah. Keep it bonding. Yep. We have discussed it, but haven't really gone any further with that. But if you guys do all that, we'll be happy to do that. Yeah. That's great. Yep. Yep. Yeah. That'd be perfect. Not really. Maybe a bit of traveling around Australia once we're at our age. Yeah. Yep. Yep. Yep. Yep. Let me just have a look at the calendar. So next week, what are we now? The twenty ninth, so it'll be the October 9? Yeah. Yep. Is that working or is it, yeah, I can do Thursday? Morning would be fine. Yep. Perfect. Yes. Yep. Yep. Yep. Yep. Perfect. Yep. No. Thank you, Donna. Appreciate it. Let me have a look. Sorry. Yeah. That'll be perfect. Yep. That'll be perfect. Yeah. Yep. Well done, Diana. Thank you very much for that. I'll sign this form and get it back to you. Same to you, Donna. 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Hello? Hello? Hello? Good.\n\nYourself? Sorry. I didn't realize the time and just missed you. Yeah. That's perfect.\n\nYep. Yep. Adam, Leslie, Hissock, first of the second nineteen ninety three, and thirty Catherine Road, Colopy, Queensland four six 80. Yes. Yep.\n\nYep. No. I haven't. But we'll just do the annual review for now, and I'll book in that financial review later. Yep.\n\nOkay. Yep. Yeah. No. That sounds good.\n\nJust with the price of living, but just yeah. We've got the home loan, two cars, and I've just consolidated, like, a credit card and everything like that, couple personal loans into the one just to bring it down to one smaller payment. So I think I'm on the right track, but yeah. Yeah. That's correct.\n\nYeah. So, like, we we sort of do a budget ourselves, and when we look at it, it's we, you know, we should have this much left over by the end of the fortnight. But, yeah, obviously, all the little things add up, and then it just yeah. You lose track of it then. It's literally gone to everyday spending.\n\nYep. Yep. Yep. Oh, yeah. Yep.\n\nYep. Yep. Yep. Yeah. No.\n\nThat sounds perfect. Yes. It has. Yep. Yep.\n\nYes. Yep. That's the first part. Yep. Yep.\n\nYep. Yep. Oh, yes. It has. Yep.\n\nYep. Yep. Yep. Yeah. I can.\n\nYep. Yep. Yep. Look. I don't know really too much about this.\n\nThat's why I pay you guys to do it. So, yeah, as long as I'm making money on my super and not losing out is all I'm sort of chasing, really. Yep. Yep. Yeah.\n\nNo. That sounds perfect. Yep. The earlier, the better, really. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yep.\n\nYeah. No. That would be perfect. Yep. Yeah.\n\nI don't wanna be working till I'm 70 four. Yeah. Around the, yeah, around then. Yeah. Around that because, yeah, all honestly, it all depends on price of living.\n\nIf it's gonna be through the roof, it's been forty years time or yeah. It's gonna be need to be more than that. Yep. Yep. Yep.\n\nYeah. No. That's that's perfect. Yeah. Because I'd be wanting to put more back in, like, salary sacrifice myself, but until you until I see what the future's gonna plan with the way the economy's going, it's, yeah, I'd rather just keep every bit of money I can myself into my pocket.\n\nYep. Yep. Yep. Yep. Yep.\n\nYeah. Yep. Just with check. As I said, price of living, got two cars. It's costing a $180 each car to fill.\n\nLike, it's ridiculous at the moment. And, yeah, putting food on the table, the fortune side. There's a lot of yeah. There's a bit of security at the moment and once I've, yeah, work out a few things and, yeah, I'll go back to salary sacrificing. I think it's around at $1.83 now.\n\nYep. I think. Yeah. I haven't got I've got a payroll that's coming in there. I'll find out more then, but I think it's about that $1.83.\n\nIt's definitely a lot lower now. It's about, yeah, $8,900 into the offset, which the offset is every day every day I can, anyway. Yep. Yep. Yep.\n\nWell, that would clear all the debts and give them money. So, yeah, that would that yeah. That should be quite comfortable with that. $4.40? Yep.\n\nYep. Yep. Yeah. She does. Yeah.\n\nSixteen hours away. Probably. Yeah. Yep. Yep.\n\nNot a clue. Not a clue. Yep. Yep. Yep.\n\nThat's cool if I don't. Government just taxes more. Yep. Yep. Yep.\n\nYep. Yep. Yeah. Possibly. Because, yeah, I don't think that would if I couldn't work the rest of my life, it's yeah.\n\nWouldn't cover much at all. Yep. Yep. Yeah. That'll be fine.\n\nYep. Definitely clear the home loan. Yep. And, obviously, just that little income to help, really. Maybe half because if the home loan was all clear, yeah, half of the income would be perfect.\n\nMm-mm. I'm not sure on that question. Yeah. Yeah. Look.\n\nBut oh, just roughly maybe twenty years. Yep. Yeah. That sounds yeah. Yep.\n\nJust without the air sitting down and thinking about it too much. Probably, you know, stop me Yeah. Yep. Yep. Yep.\n\nNo. Just leave it at the cover it is. Yep. Yep. Yep.\n\nYep. No. No. It's all good. Yep.\n\nNo. It's it's fine. Thank you. Yep. Yep.\n\nYes. Yes. I can. Yep. Yep.\n\nYep. Yep. Yep. No. It's just the market's shit in general at the moment.\n\nThat's about it. Yep. Yep. Yep. Sounds beautiful.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Not beautiful. Yep. Yep. Yep.\n\nYep. That's beautiful. No. Just well, the main thing is just, yeah, making sure the safe is going in the wrong direction, really. We we That's Yep.\n\nNot. No. I probably rang you guys and yeah. If you guys help with the decision. No.\n\nJust keep it I'm pretty sure I'm high risk at the moment. Just keep it high risk while I'm still young and earning money. So I might as much as I can. Yeah. Just borrow from property and not really.\n\nYep. Look. Maybe down the track. We're looking at extending on the house for it now. If not, sell and buy something bigger.\n\nOkay. Yeah. I would evaluate to see if it's worth extension or if it's worth just yeah. If it's not sorry. If we're borrowing more than what the house is worth, if it's a sell and buy another house.\n\nIt's about 4 of 83 at the moment. Yeah. I sold that car since the last review. So the new one out of the rear end, probably that 50 at the moment. 50 50 four.\n\nFord Ranger. Yeah. Yep. That's it. Yep.\n\nNo. Not really. We're going, yeah, roughly paycheck to paycheck at the moment. Yep. Yes.\n\nYes. That's correct. Yep. No. It's it's yeah.\n\nIt's called. Yeah. Yep. Yes. Yes.\n\nYep. Yep. Yep. Yeah. That'd be perfect.\n\nYou make it hell of a lot easier. Yes. That's correct. Yep. Yep.\n\nYeah. Keep it bonding. Yep. We have discussed it, but haven't really gone any further with that. But if you guys do all that, we'll be happy to do that.\n\nYeah. That's great. Yep. Yep. Yeah.\n\nThat'd be perfect. Not really. Maybe a bit of traveling around Australia once we're at our age. Yeah. Yep.\n\nYep. Yep. Yep. Let me just have a look at the calendar. So next week, what are we now?\n\nThe twenty ninth, so it'll be the October 9? Yeah. Yep. Is that working or is it, yeah, I can do Thursday? Morning would be fine.\n\nYep. Perfect. Yes. Yep. Yep.\n\nYep. Yep. Perfect. Yep. No.\n\nThank you, Donna. Appreciate it. Let me have a look. Sorry. Yeah.\n\nThat'll be perfect. Yep. That'll be perfect. Yeah. Yep.\n\nWell done, Diana. Thank you very much for that. I'll sign this form and get it back to you. Same to you, Donna. See you.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.0,"end":0.5,"sentiment":"neutral","sentiment_score":0.016258951276540756},{"text":"Hello?","start":0.88,"end":1.38,"sentiment":"neutral","sentiment_score":0.015291478484869003},{"text":"Hello?","start":2.7199998,"end":3.2199998,"sentiment":"neutral","sentiment_score":0.016116086393594742},{"text":"Hello?","start":4.56,"end":5.06,"sentiment":"neutral","sentiment_score":0.02800312265753746},{"text":"Good.","start":8.96,"end":9.28,"sentiment":"positive","sentiment_score":0.3661840558052063}],"sentiment":"neutral","sentiment_score":0.08837073892354966,"num_words":5,"start":0.0,"end":9.28},{"sentences":[{"text":"Yourself?","start":9.28,"end":9.679999,"sentiment":"neutral","sentiment_score":0.1881302297115326},{"text":"Sorry.","start":9.679999,"end":10.0,"sentiment":"neutral","sentiment_score":-0.07758910953998566},{"text":"I didn't realize the time and just missed 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yeah, I don't think that would if I couldn't work the rest of my life, it's yeah.","start":1069.4851,"end":1075.81,"sentiment":"neutral","sentiment_score":-0.1913150739338663}],"sentiment":"neutral","sentiment_score":-0.14345798277380792,"num_words":22,"start":1035.7125,"end":1075.81},{"sentences":[{"text":"Wouldn't cover much at all.","start":1076.5901,"end":1078.53,"sentiment":"neutral","sentiment_score":-0.21187423467636107},{"text":"Yep.","start":1112.4601,"end":1112.9601,"sentiment":"neutral","sentiment_score":0.19973790645599365},{"text":"Yep.","start":1117.5851,"end":1118.0851,"sentiment":"neutral","sentiment_score":0.2005862593650818},{"text":"Yeah.","start":1120.865,"end":1121.105,"sentiment":"neutral","sentiment_score":0.1856246441602707},{"text":"That'll be 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really.","start":1829.2849,"end":1831.465,"sentiment":"neutral","sentiment_score":-0.03066547161766461}],"sentiment":"neutral","sentiment_score":-0.11576582314446568,"num_words":40,"start":1808.99,"end":1831.465},{"sentences":[{"text":"Yep.","start":1844.74,"end":1845.24,"sentiment":"neutral","sentiment_score":0.03839939087629318},{"text":"Look.","start":1856.885,"end":1857.285,"sentiment":"neutral","sentiment_score":0.007652972359210253},{"text":"Maybe down the track.","start":1857.285,"end":1858.1649,"sentiment":"neutral","sentiment_score":-0.00041862460784614086},{"text":"We're looking at extending on the house for it now.","start":1858.1649,"end":1861.525,"sentiment":"neutral","sentiment_score":-0.001465877110604197},{"text":"If not, sell and buy something bigger.","start":1861.525,"end":1864.37,"sentiment":"neutral","sentiment_score":-0.035922859396253316}],"sentiment":"neutral","sentiment_score":-0.009640909655465057,"num_words":23,"start":1844.74,"end":1864.37},{"sentences":[{"text":"Okay.","start":1865.4701,"end":1865.9701,"sentiment":"neutral","sentiment_score":0.32905346155166626},{"text":"Yeah.","start":1870.51,"end":1870.71,"sentiment":"neutral","sentiment_score":0.02901468239724636},{"text":"I would evaluate to see if it's worth extension or if it's worth just yeah.","start":1870.71,"end":1875.89,"sentiment":"neutral","sentiment_score":-0.0012790917108456293},{"text":"If it's not sorry.","start":1876.11,"end":1877.635,"sentiment":"neutral","sentiment_score":-0.04597789701074362},{"text":"If we're borrowing more than what the house is worth, if it's a sell and buy another house.","start":1877.635,"end":1882.575,"sentiment":"neutral","sentiment_score":-0.026975166156060167}],"sentiment":"neutral","sentiment_score":-0.008476482322200751,"num_words":39,"start":1865.4701,"end":1882.575},{"sentences":[{"text":"It's about 4 of 83 at the moment.","start":1889.6749,"end":1892.35,"sentiment":"neutral","sentiment_score":0.0030151616265357006},{"text":"Yeah.","start":1893.9299,"end":1894.4299,"sentiment":"neutral","sentiment_score":0.21682454645633695},{"text":"I sold that car since the last review.","start":1902.845,"end":1904.925,"sentiment":"neutral","sentiment_score":0.0014024539850652218},{"text":"So the new one out of the rear end, probably that 50 at the moment.","start":1904.925,"end":1909.185,"sentiment":"neutral","sentiment_score":0.03881551908950011},{"text":"50 50 four.","start":1910.285,"end":1911.425,"sentiment":"neutral","sentiment_score":0.03956965853770574}],"sentiment":"neutral","sentiment_score":0.02723163523727895,"num_words":35,"start":1889.6749,"end":1911.425},{"sentences":[{"text":"Ford Ranger.","start":1911.645,"end":1912.385,"sentiment":"neutral","sentiment_score":0.029528623446822166},{"text":"Yeah.","start":1918.09,"end":1918.4099,"sentiment":"neutral","sentiment_score":0.0995560884475708},{"text":"Yep.","start":1918.4099,"end":1918.9099,"sentiment":"neutral","sentiment_score":0.1699264496564865},{"text":"That's it.","start":1919.85,"end":1920.6499,"sentiment":"neutral","sentiment_score":0.24099167436361313},{"text":"Yep.","start":1920.6499,"end":1921.1499,"sentiment":"neutral","sentiment_score":0.06541803479194641}],"sentiment":"neutral","sentiment_score":0.12513445264526776,"num_words":7,"start":1911.645,"end":1921.1499},{"sentences":[{"text":"No.","start":1930.97,"end":1931.21,"sentiment":"neutral","sentiment_score":-0.07540959119796753},{"text":"Not really.","start":1931.21,"end":1931.7699,"sentiment":"neutral","sentiment_score":-0.08529770374298096},{"text":"We're going, yeah, roughly paycheck to paycheck at the moment.","start":1931.7699,"end":1935.305,"sentiment":"neutral","sentiment_score":-0.061932611465454104},{"text":"Yep.","start":1947.97,"end":1948.47,"sentiment":"neutral","sentiment_score":0.14332786202430725},{"text":"Yes.","start":1952.29,"end":1952.61,"sentiment":"neutral","sentiment_score":0.04794657975435257}],"sentiment":"neutral","sentiment_score":-0.04493711143732071,"num_words":15,"start":1930.97,"end":1952.61},{"sentences":[{"text":"Yes.","start":1952.61,"end":1952.85,"sentiment":"neutral","sentiment_score":0.06430160254240036},{"text":"That's correct.","start":1952.85,"end":1953.59,"sentiment":"neutral","sentiment_score":0.10799917206168175},{"text":"Yep.","start":1957.5701,"end":1958.0701,"sentiment":"neutral","sentiment_score":0.0040843794122338295},{"text":"No.","start":1961.735,"end":1961.975,"sentiment":"neutral","sentiment_score":-0.0348985455930233},{"text":"It's it's yeah.","start":1961.975,"end":1962.9349,"sentiment":"neutral","sentiment_score":-0.014251270952324072}],"sentiment":"neutral","sentiment_score":0.02584149595350027,"num_words":8,"start":1952.61,"end":1962.9349},{"sentences":[{"text":"It's called.","start":1962.9349,"end":1963.495,"sentiment":"neutral","sentiment_score":0.001711865421384573},{"text":"Yeah.","start":1963.495,"end":1963.815,"sentiment":"neutral","sentiment_score":0.021768080070614815},{"text":"Yep.","start":1963.815,"end":1964.315,"sentiment":"neutral","sentiment_score":0.013690071180462835},{"text":"Yes.","start":1970.455,"end":1970.775,"sentiment":"neutral","sentiment_score":0.09914229810237885},{"text":"Yes.","start":1970.775,"end":1971.095,"sentiment":"neutral","sentiment_score":0.08463850617408752}],"sentiment":"neutral","sentiment_score":0.03711044772838553,"num_words":6,"start":1962.9349,"end":1971.095},{"sentences":[{"text":"Yep.","start":1971.095,"end":1971.595,"sentiment":"neutral","sentiment_score":0.09853765368461607},{"text":"Yep.","start":1980.71,"end":1981.21,"sentiment":"neutral","sentiment_score":0.004564318805932999},{"text":"Yep.","start":1986.15,"end":1986.65,"sentiment":"neutral","sentiment_score":0.08018651604652405},{"text":"Yeah.","start":1993.155,"end":1993.4751,"sentiment":"neutral","sentiment_score":0.1893494874238968},{"text":"That'd be perfect.","start":1993.4751,"end":1994.355,"sentiment":"positive","sentiment_score":0.45920899510383606}],"sentiment":"neutral","sentiment_score":0.250037851610354,"num_words":7,"start":1971.095,"end":1994.355},{"sentences":[{"text":"You make it hell of a lot easier.","start":1994.355,"end":1995.735,"sentiment":"positive","sentiment_score":0.5046888701617718},{"text":"Yes.","start":1999.875,"end":2000.1951,"sentiment":"neutral","sentiment_score":0.09315040707588196},{"text":"That's correct.","start":2000.1951,"end":2000.935,"sentiment":"neutral","sentiment_score":0.1728120818734169},{"text":"Yep.","start":2010.68,"end":2011.18,"sentiment":"neutral","sentiment_score":0.21794144809246063},{"text":"Yep.","start":2016.6849,"end":2017.1849,"sentiment":"neutral","sentiment_score":0.12431824207305908}],"sentiment":"positive","sentiment_score":0.3706573247909546,"num_words":13,"start":1994.355,"end":2017.1849},{"sentences":[{"text":"Yeah.","start":2019.245,"end":2019.645,"sentiment":"neutral","sentiment_score":0.0855770856142044},{"text":"Keep it bonding.","start":2019.645,"end":2020.365,"sentiment":"neutral","sentiment_score":0.10416264086961746},{"text":"Yep.","start":2020.365,"end":2020.865,"sentiment":"neutral","sentiment_score":0.09740682691335678},{"text":"We have discussed it, but haven't really gone any further with that.","start":2028.16,"end":2031.12,"sentiment":"neutral","sentiment_score":0.06297450233250856},{"text":"But if you guys do all that, we'll be happy to do that.","start":2031.12,"end":2034.8201,"sentiment":"neutral","sentiment_score":0.1952259809925006}],"sentiment":"neutral","sentiment_score":0.12630345386763414,"num_words":30,"start":2019.245,"end":2034.8201},{"sentences":[{"text":"Yeah.","start":2037.2001,"end":2037.4401,"sentiment":"neutral","sentiment_score":0.04112892225384712},{"text":"That's great.","start":2037.4401,"end":2038.0,"sentiment":"neutral","sentiment_score":0.16924796998500824},{"text":"Yep.","start":2038.0,"end":2038.5,"sentiment":"neutral","sentiment_score":0.12412028014659882},{"text":"Yep.","start":2049.555,"end":2050.055,"sentiment":"neutral","sentiment_score":0.1548868715763092},{"text":"Yeah.","start":2053.555,"end":2053.795,"sentiment":"neutral","sentiment_score":0.2076994776725769}],"sentiment":"neutral","sentiment_score":0.1443885819365581,"num_words":6,"start":2037.2001,"end":2053.795},{"sentences":[{"text":"That'd be perfect.","start":2053.795,"end":2054.695,"sentiment":"positive","sentiment_score":0.422945777575175},{"text":"Not really.","start":2065.25,"end":2065.81,"sentiment":"neutral","sentiment_score":-0.013613862916827202},{"text":"Maybe a bit of traveling around Australia once we're at our age.","start":2065.81,"end":2068.87,"sentiment":"neutral","sentiment_score":0.00817879724005858},{"text":"Yeah.","start":2069.09,"end":2069.59,"sentiment":"neutral","sentiment_score":0.1027919352054596},{"text":"Yep.","start":2080.2048,"end":2080.7048,"sentiment":"neutral","sentiment_score":0.16461992263793945}],"sentiment":"neutral","sentiment_score":0.08458773850610382,"num_words":19,"start":2053.795,"end":2080.7048},{"sentences":[{"text":"Yep.","start":2080.9248,"end":2081.4248,"sentiment":"neutral","sentiment_score":0.16335994005203247},{"text":"Yep.","start":2085.78,"end":2086.28,"sentiment":"neutral","sentiment_score":0.03312019258737564},{"text":"Yep.","start":2098.475,"end":2098.975,"sentiment":"neutral","sentiment_score":0.03199496120214462},{"text":"Let me just have a look at the calendar.","start":2104.155,"end":2105.935,"sentiment":"neutral","sentiment_score":0.03674778011110094},{"text":"So next week, what are we now?","start":2105.995,"end":2110.715,"sentiment":"neutral","sentiment_score":0.016545867414346764}],"sentiment":"neutral","sentiment_score":0.035527694039046764,"num_words":19,"start":2080.9248,"end":2110.715},{"sentences":[{"text":"The twenty ninth, so it'll be the October 9?","start":2110.715,"end":2122.46,"sentiment":"neutral","sentiment_score":0.013687143619689677},{"text":"Yeah.","start":2128.865,"end":2129.265,"sentiment":"neutral","sentiment_score":0.03965738043189049},{"text":"Yep.","start":2129.265,"end":2129.765,"sentiment":"neutral","sentiment_score":0.03673851862549782},{"text":"Is that working or is it, yeah, I can do Thursday?","start":2131.345,"end":2134.4849,"sentiment":"neutral","sentiment_score":0.026350679299370808},{"text":"Morning would be fine.","start":2140.8801,"end":2145.86,"sentiment":"neutral","sentiment_score":0.04648529924452305}],"sentiment":"neutral","sentiment_score":0.02597611003483717,"num_words":26,"start":2110.715,"end":2145.86},{"sentences":[{"text":"Yep.","start":2152.0,"end":2152.24,"sentiment":"neutral","sentiment_score":0.0072555989027023315},{"text":"Perfect.","start":2152.24,"end":2152.74,"sentiment":"neutral","sentiment_score":0.10490807890892027},{"text":"Yes.","start":2154.24,"end":2154.74,"sentiment":"neutral","sentiment_score":0.030967626720666885},{"text":"Yep.","start":2155.015,"end":2155.515,"sentiment":"neutral","sentiment_score":0.26708507537841797},{"text":"Yep.","start":2163.4949,"end":2163.9949,"sentiment":"neutral","sentiment_score":0.1808168888092041}],"sentiment":"neutral","sentiment_score":0.11820665374398232,"num_words":5,"start":2152.0,"end":2163.9949},{"sentences":[{"text":"Yep.","start":2167.575,"end":2168.075,"sentiment":"neutral","sentiment_score":0.15424183011054993},{"text":"Yep.","start":2172.25,"end":2172.5698,"sentiment":"neutral","sentiment_score":0.1376972496509552},{"text":"Perfect.","start":2172.5698,"end":2173.0698,"sentiment":"positive","sentiment_score":0.4774380326271057},{"text":"Yep.","start":2182.3298,"end":2182.785,"sentiment":"neutral","sentiment_score":0.3226255774497986},{"text":"No.","start":2184.9448,"end":2185.1848,"sentiment":"neutral","sentiment_score":0.2486339807510376}],"sentiment":"neutral","sentiment_score":0.2681273341178894,"num_words":5,"start":2167.575,"end":2185.1848},{"sentences":[{"text":"Thank you, Donna.","start":2185.1848,"end":2185.905,"sentiment":"positive","sentiment_score":0.4623639980951945},{"text":"Appreciate it.","start":2185.905,"end":2186.885,"sentiment":"positive","sentiment_score":0.5941220223903656},{"text":"Let me have a look.","start":2203.69,"end":2205.45,"sentiment":"neutral","sentiment_score":0.03364654965698719},{"text":"Sorry.","start":2205.45,"end":2205.95,"sentiment":"neutral","sentiment_score":-0.07620342075824738},{"text":"Yeah.","start":2209.37,"end":2209.61,"sentiment":"neutral","sentiment_score":0.29112014174461365}],"sentiment":"neutral","sentiment_score":0.24654045902813473,"num_words":12,"start":2185.1848,"end":2209.61},{"sentences":[{"text":"That'll be perfect.","start":2209.61,"end":2210.51,"sentiment":"positive","sentiment_score":0.7216489712397257},{"text":"Yep.","start":2216.325,"end":2216.6448,"sentiment":"positive","sentiment_score":0.39975428581237793},{"text":"That'll be perfect.","start":2216.6448,"end":2217.625,"sentiment":"positive","sentiment_score":0.7159226536750793},{"text":"Yeah.","start":2223.4448,"end":2223.9448,"sentiment":"neutral","sentiment_score":0.13712266087532043},{"text":"Yep.","start":2233.0598,"end":2233.5398,"sentiment":"neutral","sentiment_score":0.11820483207702635}],"sentiment":"positive","sentiment_score":0.55197740594546,"num_words":9,"start":2209.61,"end":2233.5398},{"sentences":[{"text":"Well done, Diana.","start":2233.5398,"end":2234.26,"sentiment":"positive","sentiment_score":0.6289309660593668},{"text":"Thank you very much for that.","start":2234.26,"end":2235.14,"sentiment":"positive","sentiment_score":0.8283828397591909},{"text":"I'll sign this form and get it back to you.","start":2235.14,"end":2237.64,"sentiment":"positive","sentiment_score":0.5903772979974746},{"text":"Same to you, Donna.","start":2241.753,"end":2242.893,"sentiment":"positive","sentiment_score":0.568826287984848},{"text":"See you.","start":2243.033,"end":2243.773,"sentiment":"positive","sentiment_score":0.3782593905925751}],"sentiment":"positive","sentiment_score":0.6317074739933014,"num_words":25,"start":2233.5398,"end":2243.773}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Hello? Hello? Hello?\n\nChannel 0: Hi, Adam. It's Dana from Okey Financial. How are you today?\n\nChannel 1: Good. Yourself? Sorry. I didn't realize the time and just missed you.\n\nChannel 0: No. That's absolutely fine. That's why I thought I'll give you another call just to see if you've missed the call or not. It's all good. I had to book in just to go to your annual review.\n\nIs now still a suitable time there for you?\n\nChannel 1: Yeah. That's perfect.\n\nChannel 0: Fantastic. Just before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yep.\n\nChannel 0: Fantastic. And just to do a quick security check there with you as well just to confirm your full name, your date of birth, and address I should have on\n\nChannel 1: Yep. Adam, Leslie, Hissock, first of the second nineteen ninety three, and thirty Catherine Road, Colopy, Queensland\n\nChannel 0: file\n\nChannel 1: four six\n\nChannel 0: there.\n\nChannel 1: 80.\n\nChannel 0: Yep. Beautiful. Thank you so much for that. Adam, as part of your annual review, I did email some documents to you. Are you able to access your email, sir, at the\n\nChannel 1: Yes.\n\nChannel 0: moment?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Beautiful. I'm just sending those through to you. Just sometimes it's easier that you can so you can look at them as I'm going through things. All\n\nChannel 1: Yep.\n\nChannel 0: good. I also noted here on your file that you wanted to also have a bit of a chat about cash flow and budgeting as well, and my colleague Samantha had emailed you the budget plan. Have you had a chance to complete and return that one as of yet?\n\nChannel 1: No. I haven't. But we'll just do the\n\nChannel 0: That's\n\nChannel 1: annual\n\nChannel 0: okay.\n\nChannel 1: review for now, and I'll book\n\nChannel 0: Yeah.\n\nChannel 1: in that financial review later.\n\nChannel 0: Yeah. Absolutely. Not a problem at all. Just while we are kinda going through things, you're welcome to give me a bit of an idea as to what it is you're after with regard to the cash flow and budgeting. If I can help today, I can certainly provide you with some information.\n\nChannel 1: Yep. Okay.\n\nChannel 0: If\n\nChannel 1: Yep.\n\nChannel 0: not, we can always come back and have that conversation down the track. How does that sound?\n\nChannel 1: Yeah. No. That sounds good.\n\nChannel 0: Yeah. Beautiful. When it sort of comes to your cash flow and budgeting, just all the emails coming through there, What sort of things are you after? What sort of help are you requiring at the moment?\n\nChannel 1: Just with the price of living, but just yeah. We've got the home loan, two cars, and I've just consolidated, like, a credit card and everything like that, couple personal loans into the one just to\n\nChannel 0: Yeah.\n\nChannel 1: bring it down to one smaller\n\nChannel 0: Yep.\n\nChannel 1: payment.\n\nChannel 0: No. Beautiful.\n\nChannel 1: So I think I'm on the right track, but yeah.\n\nChannel 0: Yep. Excellent. So you just sort of after having me look at your budget, look at where things are going just to sort of see if there's any leeway or alterations that could be made or whether you're sort of on the right track to having things paid off. Is that right?\n\nChannel 1: Yeah. That's correct. Yeah. So,\n\nChannel 0: Yeah.\n\nChannel 1: like, we we sort of do a budget ourselves, and when we look at it, it's we, you know, we should have this much left over by the end of the\n\nChannel 0: Yep.\n\nChannel 1: fortnight. But, yeah, obviously, all the little things add up, and then it just yeah. You lose track of it then.\n\nChannel 0: Yeah. Absolutely. When you sort of say you've got leftover cash, what are you sort of doing with that for those funds? Are you sort of putting them away anywhere particular to trust them, or are they just going on to the mortgage in the offset account?\n\nChannel 1: It's literally gone to everyday spending.\n\nChannel 0: Yeah. Okay. No. Definitely.\n\nChannel 1: Yep.\n\nChannel 0: Because one of the ways I sort of look at it is at the end of the week, if you have a little bit left over cash, if you have, you know, your offset account or your savings account, have you moved that money directly into that account?\n\nChannel 1: Yep.\n\nChannel 0: It kinda helps you to track it. The other thing to sort of look at is when it comes to savings, if you are looking to save, as soon as you get paid to allocate a certain amount of money and to move that out straight away, that way that money is no longer sitting in your everyday account. So\n\nChannel 1: Yep.\n\nChannel 0: starting off small often helps as well because we you know, things get on top of us, and bills come out of nowhere left, right, and center continuously.\n\nChannel 1: Oh, yeah.\n\nChannel 0: So, you know, so even starting with something simple as $50 on a weekly basis, as soon as you get paid, moving that into a different savings account, like an online only account also helps because you have to go online to transfer the money back or even\n\nChannel 1: Yep.\n\nChannel 0: into your offset account there just so you can kinda track that. That does tend to help. And starting\n\nChannel 1: Yep.\n\nChannel 0: smaller and building on that as you get comfortable with, saving always works really well as well. But, yeah, look. Once you've got your budget plan done, if you send it through to us, I'll even send you an email from my email today just so you've got that directly because Samantha's, unfortunately no longer with us here. So I'll get you to email back to me directly. And then I can\n\nChannel 1: Yep.\n\nChannel 0: touch base and have a chat about where money is going, where you could definitely make some savings or changes, or whether\n\nChannel 1: Yep.\n\nChannel 0: you're on track to kind of meet your goals there. Does that sound okay?\n\nChannel 1: Yeah. No. That sounds perfect.\n\nChannel 0: Fantastic. Excellent. Has that email popped through as\n\nChannel 1: Yes.\n\nChannel 0: of yet?\n\nChannel 1: It has. Yep.\n\nChannel 0: Oh, legend. Excellent. There we go. Now I'm just looking at mine as well. Beautiful.\n\nSo when you open the email there, it will just note down it's got a little button that says click here to sign. We ask you to sign so you so click so you can move forward through the documents, but it will never ask you to sign anything you haven't read, and it's just allowing you to move through those documents to make it nice and easy there for you. Okay.\n\nChannel 1: Yep.\n\nChannel 0: Excellent. The first one there, when you do see it, will show you your summary of superannuation and insurances. Is that the one you're seeing there at the\n\nChannel 1: Yes.\n\nChannel 0: moment?\n\nChannel 1: Yep. That's the first part. Yep.\n\nChannel 0: Yep. Beautiful. So when I have a little bit of a look back at your super, the balance last year at this time, you were sitting at around about $228,004.59 and 63¢ there. So\n\nChannel 1: Yep.\n\nChannel 0: as of the September 24, you're up to $262,319.58 there, which is fantastic. It's seeing some good additional growth there.\n\nChannel 1: Yep.\n\nChannel 0: If you move forward to the next document, the next one is your internal rate of return. It's sort of showing you how the individual investments have performed.\n\nChannel 1: Yep.\n\nChannel 0: This year has definitely been a bit of an up and down year with\n\nChannel 1: Oh,\n\nChannel 0: everything\n\nChannel 1: yes.\n\nChannel 0: that's been\n\nChannel 1: It\n\nChannel 0: going\n\nChannel 1: has.\n\nChannel 0: on globally, so we have seen a lot of changes in the market conditions. I had a bit of a look at your portfolio prior to the call, and I can definitely see some changes I'd like to make to your portfolio. So whilst we have seen a lot of ups and downs here, you have still had a really good return. It is\n\nChannel 1: Yep.\n\nChannel 0: lower than where I would generally expect it\n\nChannel 1: Yep.\n\nChannel 0: to be. When we look at the entire portfolio, over the past twelve months, you're still up. You're up by 4.70%. That gives you total earnings plus growth of over $16,000 for the year. However, it is a bit lower than where I would like to see for your kind of portfolio in the environment you're in.\n\nChannel 1: Yep.\n\nChannel 0: Generally, when we have a growth portfolio, when we're looking at a conservative sort of risk profile rate of return, we're looking to achieve around about seven to 9% each year. So this particular year, you are down a little bit on where I'd like to be.\n\nChannel 1: Yep.\n\nChannel 0: So having a look at those investments, I can see some changes I definitely wanna look at making. With the if you're looking at the internal rate of return report there, the first page, you'll see the top investments of Van Alarm Australian Equities. Can you see that investment there?\n\nChannel 1: Yeah. I can. Yep.\n\nChannel 0: Yeah. Beautiful. This one here hasn't been performing as well as we'd like it to be. Now one of the reasons that along was placed in there, and up until this year, they've seen some really fantastic returns. However, with this year and with everything has been going on, they've also had some internal issues with their investments.\n\nSo they're not really performing the way they'd like we'd like them to be.\n\nChannel 1: Yep.\n\nChannel 0: The idea of having Ben along in there was they're an actively managed fund. So the investment manager is trying to take in time the market, and they're supposed to be trying to outperform against the market.\n\nChannel 1: Yep.\n\nChannel 0: One of the things with active managers is they don't always outperform against the market, but then along are having a few additional sorry, issues within their portfolio. So I do wanna remove them from there. What I wanted to find out from yourself was a bit more about how you'd like to see your super invested. Would you like me to look at replacing that with maybe another active manager, or do you feel like you'd like to have more of a lower cost portfolio and remove those active managers as as a whole? How would you like to see things invested in your super?\n\nChannel 1: Look. I don't know really too much about this. That's why I pay you guys to do it. So,\n\nChannel 0: Yeah. That's okay. That's definitely\n\nChannel 1: yeah,\n\nChannel 0: fine.\n\nChannel 1: as long as I'm making money on my super and not losing out is all I'm\n\nChannel 0: Yep.\n\nChannel 1: sort of chasing, really.\n\nChannel 0: Yeah. Absolutely. Well, what I can do, if you like, is I can have a look at the portfolios which incorporate some active management and some that don't. I can look at the capital gains cost for switching\n\nChannel 1: Yep.\n\nChannel 0: investments, look at how you invested now, look at, you know, how they've been performing in the past to see what kind of returns we can expect in the future, and also look at the fees. I'll see if I can find something lower cost and look at what's been performing greater and what provides a greater effect to you. Does that\n\nChannel 1: Yep.\n\nChannel 0: sound okay?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: No. That sounds perfect. Yep.\n\nChannel 0: Fantastic. I'll have a look at all those options for you. Not a problem at all. The other thing I sort of wanted to look at there now, I can see within that growth environment, you're still really young. You've got a lot of time ahead of you before accessing Super.\n\nWe had it noted originally that you were looking at age 67, but then lastly, you kind of mentioned age 60 you'd like to essentially retire. Is that still your goal retirement age?\n\nChannel 1: The earlier, the better, really. Yeah.\n\nChannel 0: Absolutely.\n\nChannel 1: Yeah. Yeah. Yeah. Yeah.\n\nChannel 0: Yeah. No. That's the one. Age 60 is the earliest so long as you meet the condition of release and fully retire. That is the\n\nChannel 1: Yep.\n\nChannel 0: earliest we're allowed to currently. So I'll put that down as your goal for retirement. Is that\n\nChannel 1: Yeah.\n\nChannel 0: right?\n\nChannel 1: No. That would be perfect. Yep.\n\nChannel 0: Fantastic.\n\nChannel 1: Yeah. I\n\nChannel 0: I\n\nChannel 1: don't\n\nChannel 0: love\n\nChannel 1: wanna\n\nChannel 0: that.\n\nChannel 1: be working till I'm 70\n\nChannel 0: And\n\nChannel 1: four.\n\nChannel 0: no. I do agree with that. And in retirement, you were sorta estimating you'd like to live on around about 1,250 per week. Does that still sound appropriate? I know that could change when you actually get to those retirement years,\n\nChannel 1: Yeah.\n\nChannel 0: but is that still\n\nChannel 1: Around\n\nChannel 0: what you'd like\n\nChannel 1: the,\n\nChannel 0: me to focus on? Yeah.\n\nChannel 1: yeah, around then. Yeah. Around that because, yeah, all honestly, it all depends on price of living. If it's gonna\n\nChannel 0: Yeah.\n\nChannel 1: be\n\nChannel 0: Absolutely.\n\nChannel 1: through the roof, it's been forty years time or yeah. It's gonna be need to be more than that.\n\nChannel 0: Absolutely. Now one of the things I do like to sort of look at is at the moment, we're trying to build things as much as possible and focus on the goal you have currently. However,\n\nChannel 1: Yep.\n\nChannel 0: when you actually get to 59 or 60 and you ring me and go, Dana, I wanna retire. I'm done. We will actually look at what your expenditure looks like then. We'll probably do a budget plan to talk about what income you need to live on. We'll look at\n\nChannel 1: Yep.\n\nChannel 0: reducing the risk level significantly for you and also look at having you invested more conservatively so that you're producing income to help pay down your income stream payment status. So right now, it's about building,\n\nChannel 1: Yep.\n\nChannel 0: adding as much as we can into super, getting as much growth as we can out of super. And then when you get to retirement, we'll reassess what you actually need at that point, look at the longevity aspect, and look at how that affects you. Does that\n\nChannel 1: Yeah.\n\nChannel 0: make\n\nChannel 1: No.\n\nChannel 0: sense?\n\nChannel 1: That's that's perfect. Yeah.\n\nChannel 0: Yep. Fantastic. Love that.\n\nChannel 1: Because I'd be wanting\n\nChannel 0: I've\n\nChannel 1: to put more back in, like, salary sacrifice myself, but until you until I see what the future's gonna plan with the way the economy's going, it's, yeah, I'd rather just keep every bit of money I can myself into my pocket.\n\nChannel 0: Yep. And that was probably the next question I was gonna talk to you about was the idea of salary sacrificing and or making additional contributions to super. It also comes down to what your expenditure looks like and whether you have some additional cash flow to start doing that with. But, realistically, as much as the markets are very up and down and we're seeing those heavy dips at the moment with the volatility, it is still a good time to keep invested. Essentially, they always say buy low, sell high.\n\nIt is\n\nChannel 1: Yep.\n\nChannel 0: one of the hardest things to do, though, because when we see our super falling or we see a dip in the market, it doesn't make us feel good. But it is honestly the best time to keep investing and putting that money in because while the market takes a bit of a dip, that's because people have sold out of those investments. So those\n\nChannel 1: Yep.\n\nChannel 0: investments, when they take a dip, they're actually at a discounted rate. So putting your money in at that time when the sorry. When the market comes out and recovers, you actually see additional growth, and that can provide a greater boost to you long term. But it's also a comfort level thing, and I tend to sort of start with people sorry. When we are looking at salary sacrificing, especially where there's\n\nChannel 1: Yep.\n\nChannel 0: volatility, starting smaller. So the same with your savings, but starting with a smaller amount, it can be as little as, you know, $20 a week or $50 a week or a fortnight.\n\nChannel 1: Yep.\n\nChannel 0: And then as you kinda get comfortable with that, then we build and grow and keep doing more and more and more. So it kinda works within your comfort\n\nChannel 1: Yep.\n\nChannel 0: level as well. But again, it's gotta be to your comfort zone. Are you happy just to hold off on sales back for the moment? Is that sort of where you're at?\n\nChannel 1: Yeah. Yep. Just with check. As I said, price of living, got two cars. It's costing a $180 each car to fill.\n\nLike, it's ridiculous at the moment.\n\nChannel 0: Yeah. No. That's\n\nChannel 1: And,\n\nChannel 0: absolutely\n\nChannel 1: yeah, putting\n\nChannel 0: fine.\n\nChannel 1: food on the table, the fortune side. There's a lot of yeah.\n\nChannel 0: Yep.\n\nChannel 1: There's a bit of security at the moment and once I've, yeah, work out a few things and, yeah, I'll go back to salary sacrificing.\n\nChannel 0: Yeah. That's absolutely fine. That's not a problem at all. Income wise, I had you on about a 176,000 per year. Is that roughly what you're still receiving?\n\nChannel 1: I think it's around at $1.83 now.\n\nChannel 0: $1.83. Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: Excellent. And\n\nChannel 1: I think. Yeah.\n\nChannel 0: I just\n\nChannel 1: I haven't got I've got a payroll that's coming in there. I'll find\n\nChannel 0: yep.\n\nChannel 1: out more then, but I think it's about that $1.83.\n\nChannel 0: Yeah. Beautiful. Not a problem at all. I also had it down here that at the time, you were able to save, sorry, about 1,600 per fortnight, which is going into your offset account. Is that still where you're sort of seeing things, or is that definitely a lot lower?\n\nChannel 1: It's definitely a lot lower now. It's about, yeah, $8,900 into the offset,\n\nChannel 0: Okay. Beautiful.\n\nChannel 1: which\n\nChannel 0: And that's\n\nChannel 1: the offset\n\nChannel 0: her\n\nChannel 1: is\n\nChannel 0: fortnight\n\nChannel 1: every\n\nChannel 0: still?\n\nChannel 1: day every day I can, anyway.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: There we go. Update that for you. When we sort of think about the insurance aspect now as well, so looking at your insurances, that's kind of back on that first page that you have there.\n\nChannel 1: Yep.\n\nChannel 0: In the event of passing, your life insurance you're covered for is about $673,356.90. So if in the event that you were to as an example, if you were to pass away today, essentially, with your super balance at $26,231.09 and your life insurance, your total life cover or the amount you're insured for is about $935,006.76.\n\nChannel 1: Yep.\n\nChannel 0: Do you feel like that's fairly comfortable? Did you wanna kinda go back and review that level of cover, or do you feel that would be sufficient for your family if you passed away?\n\nChannel 1: Well, that would clear all the debts and give them money. So, yeah, that would that yeah. That should be quite comfortable with that.\n\nChannel 0: Excellent. With clearing the debt, how much do you have on the mortgage currently?\n\nChannel 1: $4.40?\n\nChannel 0: $4.40? Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: There we go. So if you look at that and remove the 440,000, it still leaves about $495,006.76 and 48¢.\n\nChannel 1: Yep.\n\nChannel 0: And whilst you're on sort of a fairly high income without having that mortgage there, it does mean that your family could live on a lower income supplement, and that money could last them anywhere between sort of two to five years as a whole. Does your wife work as well?\n\nChannel 1: Yep. Yeah. She does. Yeah. Sixteen hours\n\nChannel 0: Yeah. Beautiful. So that would give her a chance to either\n\nChannel 1: away.\n\nChannel 0: continue working or supplement your income or to take\n\nChannel 1: Probably.\n\nChannel 0: some time off and think about what she wants to do. Yeah.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Beautiful. Excellent. With the TBD, now total permanent disability cover, you're covered for about $380,003.30 $3.99. So you do have less TBD than you\n\nChannel 1: Yep.\n\nChannel 0: do have life cover at the moment. Do you understand how TBD works and what that would cover or how it would\n\nChannel 1: Not\n\nChannel 0: pay out?\n\nChannel 1: a clue. Not a clue.\n\nChannel 0: No. That's absolutely fine. So TPD pays that either a lump sum benefit or an income stream in the event that you're unable to go back to work ever again due to permanent disability. With\n\nChannel 1: Yep.\n\nChannel 0: that, we can also claim permanent incapacity against your super so we could have both released. If\n\nChannel 1: Yep.\n\nChannel 0: it was a lump sum, you're currently insured for 642,718.\n\nChannel 1: Yep.\n\nChannel 0: Now the other thing I kind of like to point out is that with TBD, if you were to take that as a full lump sum and you claim TBD under the age of 60, it is unfortunately taxable. So the government would tax up to 22% on that amount. So you actually don't receive what you are fully insured for.\n\nChannel 1: That's cool\n\nChannel 0: What\n\nChannel 1: if I don't.\n\nChannel 0: I like to it's horrible, isn't it? I don't fully disagree with it. I think it's the last thing they should be taxing.\n\nChannel 1: Government just taxes more.\n\nChannel 0: That's it. That's it. What I like to sort of point out that is if you were TBD and we claimed on that TBD insurance, plus we claimed on your super, we talked to you about what you needed, whether you would, you know, wanna take a lump sum to pay your mortgage off or whether we keep that invested in your super and keep it working and draw income streams out on a lot a smaller basis to keep it working.\n\nChannel 1: Yep.\n\nChannel 0: Both of those can help to minimize the tax, and there's some other fun things that we can do to help minimize those tax consequences for you.\n\nChannel 1: Yep.\n\nChannel 0: It's also important to note that the\n\nChannel 1: Yep.\n\nChannel 0: tax is up to 22%, so it could definitely be lower. They have a math equation that basically works at your age to the\n\nChannel 1: Yep.\n\nChannel 0: retirement age. They use 65 as a retirement age, and they kind of use that math calculation to work out what the actual taxable component would be for you.\n\nChannel 1: Yep.\n\nChannel 0: But we would definitely be able to do that equation with you and sorta help and look to minimize the tax there. The reason I kind of am going through that and explaining you so much is that just want to make sure with that level of cover, the $6.42 between your super and your CBD, are you comfortable with that level of cover? Did you wanna maybe talk more about your goals and look at reevaluating the CBD level?\n\nChannel 1: Yeah. Possibly. Because, yeah, I don't think that would if I couldn't work the rest of my life, it's yeah.\n\nChannel 0: Yep.\n\nChannel 1: Wouldn't cover much at all.\n\nChannel 0: No. That's okay. One of the things I can see now your TBD, that's hub twenty four cover looks like I'm just actually going to go forward to have a look at the documents. Yeah. So it looks like it is with Hub twenty four.\n\nSo what I'll do is after the call, I'll book you in for a pre assessment with one of my team members and colleagues. That'll go through a bit of a pre assessment with you just to kind of assess what level of cover we're able to obtain, what kind of contracts we have out there, and then we\n\nChannel 1: Yep.\n\nChannel 0: can make a recommendation and update the advice to reflect your needs and your goals with TBD,\n\nChannel 1: Yep.\n\nChannel 0: and go out there and do full research for you. Are you happy with that, Adam?\n\nChannel 1: Yeah. That'll be fine. Yep.\n\nChannel 0: Excellent. Beautiful. Now when you think about TBD, if you were unable to ever go back to work again, what is it that you wanna actually have covered?\n\nChannel 1: Definitely clear the home loan. Yep. And, obviously, just that little income to help, really.\n\nChannel 0: Yep. Yep. So when you think about income, would you want to cover your current income for a certain period of time, or would you say maybe half your income would be suitable? What would you wanna cover income wise?\n\nChannel 1: Maybe half because if the home loan was all clear, yeah, half of the income would be perfect.\n\nChannel 0: Beautiful. And is there a certain amount of years you'd be comfortable covering your income or that amount of income for?\n\nChannel 1: Mm-mm. I'm not sure\n\nChannel 0: It's\n\nChannel 1: on that\n\nChannel 0: a hard\n\nChannel 1: question.\n\nChannel 0: one. That's okay.\n\nChannel 1: Yeah.\n\nChannel 0: So, realistically, you could look at maybe covering you up to the age of 60, or you could look at maybe five or ten years, or, you know, depending on if you've got I'm just double checking your circumstances. Sorry. Two children. So or if, you know, wanted to cover your income up until maybe your youngest child turns 18 or something, there's also those options. What do you think would be comfortable for you for your goal for that?\n\nChannel 1: Yeah. Look. But oh, just roughly maybe twenty years.\n\nChannel 0: Twenty years? Yep. Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: So half income for, say, twenty years. Beautiful. Excellent. Beautiful. Is there so I can look at that for you.\n\nSo you're happy if I just look to boost your TPD up so that it, you know, clears your home loan in the event that something happens and then also covers half your current income for the next twenty years. Does that sound appropriate?\n\nChannel 1: Yeah. That sounds yeah. Yep.\n\nChannel 0: Yeah. Beautiful. Fantastic.\n\nChannel 1: Just without the air\n\nChannel 0: Did\n\nChannel 1: sitting down and thinking about it too much. Probably, you know, stop\n\nChannel 0: no.\n\nChannel 1: me\n\nChannel 0: That's absolutely. Would you also like me to look at maybe boosting up the life cover to the same level for you knowing that when we link life and TPD together, it can make the policy cheaper. Did you want me to look at those options as well?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Beautiful. To make cheaper. Excellent. Fantastic. I can look at that for you.\n\nNot a problem. Now the other thing we do have here is your income protection policy, which can pay up to 70% of your pre disability income in the event that you're unable to ever go unable to go to work in a short term. Sorry. So it covers you for short term disability. Based on your current income, I'm just checking the level for you.\n\nIt sort of shows here on the document that you're covered for a monthly benefit of up to $10,749.20 20¢ as\n\nChannel 1: Yep.\n\nChannel 0: a monthly benefit. It's a pre so it's a gross benefit, pretax benefit amount as well. If we have a look at your current income based on a 183,012. It shows that you would need to be covered for about 10,675. So your income benefit is very well on track for that.\n\nIt is slightly over insuring you only by, you know, less than a $100, essentially. Are you\n\nChannel 1: Yep.\n\nChannel 0: comfortable with leaving that at the level it is, or did you want me to try and look at bringing that back slightly for you?\n\nChannel 1: No. Just leave it at the cover it is.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: One of the things I do like about the way the policies are, they tend to sort of increase over time along with CPI as needed. So the idea is that there's slight small increases over time, which can sorta help without going through underwriting, which is a positive.\n\nChannel 1: Yep.\n\nChannel 0: But it also means that if you get a smaller increase or maybe a bonus or something, that extra little bit of monthly benefit could support you. Okay.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Excellent. And you've just got a sixty day waiting period and a five year benefit period there. So it just means that if you're off work, you need to be off work for sixty days prior to submitting a claim, and then you can be on a claim for up to five years there as well, but you're fairly comfortable with that. Did you have any questions in relation to any of those?\n\nChannel 1: No. No. It's all good.\n\nChannel 0: Beautiful. Thank you so much for that. Now there are other types of insurances. I'm sure others have sort of made mention to you. You can also have things like trauma, which pays out a lump sum benefit if you're diagnosed with a major traumatic condition like cancers, heart attack, strokes, and you can also get additional insurances for your children.\n\nThese are called child trauma policies, which pay out lump sum benefits if one of your child children pass away and or are diagnosed with a major traumatic condition like cancer is probably one of the biggest ones. Did\n\nChannel 1: Yep.\n\nChannel 0: you wanna look at anything additional there? These are paid out of pocket as well, so it could, you know, overextend your cash flow depending on how things are tracking. But\n\nChannel 1: No. It's it's fine.\n\nChannel 0: happy\n\nChannel 1: Thank you.\n\nChannel 0: with that.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. If you ever had additional questions in relation to any of those, please let me know. I'm more than happy to talk you through and work out what your goals are with regard to them.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. The next document along is the 2026 Vanguard index chart. That's just after the internal rate of return report. Can you see that document there?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Yeah. Beautiful. This one here just shows you how markets track over time and why we invest the way we do.\n\nChannel 1: I can. Yep.\n\nChannel 0: So within your portfolio at the moment, you're in that growth environment. So it sees 80% of your super invested in growth assets, so things like Australian shares, international shares, listed property, and commodities like gold and silver. If you\n\nChannel 1: Yep.\n\nChannel 0: look at the top line there, which is The US shares, this is an example of a growth asset. Over time, it's just over the last thirty years, it's averaged about a 10.8% return, which is fantastic. It means that it's turned $10,000 thirty years ago into\n\nChannel 1: Yep.\n\nChannel 0: over 218,000. However, being invested in that time frame means we're going through the market ups and downs, and that's probably the scary part. That's the part that tends to make people very nervous. It's going through the ups and downs and\n\nChannel 1: Yep.\n\nChannel 0: staying invested. And that's why my job comes into play. If you're ever feeling nervous or concerned about what the markets are doing, please let me know. Market ups and downs are very normal. And being within that growth environment, we understand that there are expected negative returns.\n\nSo within this sort of portfolio, we expect a negative return around about one in every six years. Sorry. One in every five years. My apologies.\n\nChannel 1: Yep.\n\nChannel 0: But it also kind of suits someone who has at least six years before they're accessing their super because they can go through those and downs before they're gonna draw those funds out. So this sort of environment still suits your time horizon. Is is there anything specific question wise or anything about the market that is coming to mind for yourself that might be concerning? Or\n\nChannel 1: No. It's just the market's shit in general at the moment. That's about\n\nChannel 0: it's just hard.\n\nChannel 1: it.\n\nChannel 0: Yeah. Yeah. And, honestly, it is about just sort of going through the ups and downs that we are seeing at the moment, but this sort of portfolio does suit your time horizon. You've\n\nChannel 1: Yep.\n\nChannel 0: got more than that more than twenty years ahead of you before accessing your super at this point.\n\nChannel 1: Yep.\n\nChannel 0: And having more of those growth assets over the longer term does provide a greater level of return. So it's about under it's about wanting to get as the best returns we possibly can, but taking on a level of risk that's comfortable with us there as well. So you are definitely in that right sort of space for your time\n\nChannel 1: Yep.\n\nChannel 0: horizon currently. Okay?\n\nChannel 1: Sounds beautiful.\n\nChannel 0: Excellent. One of the things I'd like to sort of point out is when you actually get to the retirement years, we sort of talk about being more conservatively invested. So we tend to see less of those growth assets. You always wanna have some, but then we\n\nChannel 1: Yep.\n\nChannel 0: have more defensive assets. And defensive assets are things like cash, bonds, and fixed interest. If you have a look at the bottom of that page, the Australian bonds, that's one of these sorts of lower risk defensive investments. They get a lower rate of return. This has essentially turned 10,000 into $45 45,000, sorry, over the past thirty years.\n\nIt's averaged\n\nChannel 1: Yep.\n\nChannel 0: about a 5.2% return. But in those retirement years, because you'll be drawing income out, we'll be more conservatively invested. So we'll have less of those growth assets and more income producing assets like cash and bonds, which will provide income over growth, which will be paid down to help with the money that you're gonna draw out on a regular basis. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: And do you have any questions at all? Yep. Beautiful. If you go to the next document, the next one along is the Oakview Financial Services Guide. This one here outlines essentially all about our services.\n\nWe do charge for additional services, but I sort of have that conversation with you depending on what you're after. When you\n\nChannel 1: Yep.\n\nChannel 0: send through your budget plan to me, I'll talk to you more about what you're after with regard to the goals there. And\n\nChannel 1: Yep.\n\nChannel 0: if you just ask a general advice, I can do that fully free of charge for you to help you along. Okay?\n\nChannel 1: Yep. Not beautiful.\n\nChannel 0: But this essentially outlines everything about who we are, what we do, and how we do it. It has all my licensing information in there for you, and it also outlines all of our services that we provide in addition to super and insurances. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Excellent. The next document along is the ongoing service agreement. So, essentially, with this one here, you're on a current and sorry. A current fee arrangement of 1.65% that will continue for the next year. It just sort\n\nChannel 1: Yep.\n\nChannel 0: of estimates the total fee payable. Essentially, I'll just get you to sign and return that one back for me just so we can keep providing our services to you. For the advice that I'm gonna do for you now, it'll just incorporate the TBD. I'll look at the last component for you to see how we can make that more cost effective for you with increasing your TBD benefit,\n\nChannel 1: Yep. Yep.\n\nChannel 0: and I'll look at adjusting your portfolio as well. I'll look at both active and passive management styles and look at how we can lower the cost of your portfolio and keep it working harder for you.\n\nChannel 1: That's\n\nChannel 0: Have\n\nChannel 1: beautiful.\n\nChannel 0: I missed anything? Is there anything that you might need me to sort of focus on as well for you as part of that?\n\nChannel 1: No. Just well, the main thing is just, yeah, making sure the safe is going in the wrong direction, really.\n\nChannel 0: Yeah.\n\nChannel 1: We we\n\nChannel 0: Absolutely. You will have worked a long time, so we wanna make sure you enjoy your retirement years. You've got a lifetime in retirement to look after.\n\nChannel 1: That's\n\nChannel 0: So fantastic. I love that. The only other thing I just wanted to sort of touch base on is just doing a really quick risk profile just to sort of make sure that that growth environment suits you. It definitely suits you from where I'm standing, but just making sure it's within your comfort level there.\n\nChannel 1: Yep.\n\nChannel 0: The first one here is have you ever invested in, say, shares or managed funds in your own name before?\n\nChannel 1: Not.\n\nChannel 0: No. That's okay. I will just pop that there. Beautiful. The next one here is essentially looking at how you might react if the market take a bit of a dip.\n\nSo we've seen a lot of volatility this year. But if over the next six months the market fell by 20%, how do you think you might be feeling? Do you think you maybe be wanting to put more money in, take advantage of the dip? Are you likely to call us and see what we suggest you do, or are you feeling concerned and wanting to put the money into cash? How do you think you might react?\n\nChannel 1: No. I probably rang you guys and yeah.\n\nChannel 0: Yep.\n\nChannel 1: If\n\nChannel 0: Beautiful.\n\nChannel 1: you guys help with the decision.\n\nChannel 0: Excellent. Excellent. The next one here, it says, how much risk do you feel comfortable taking? So when you think about your super, are you comfortable taking on a higher level of risk to try and get the a greater potential returns knowing that there is, you know, there is more possibility of a downturn and you have to you'll feel that downturn. Or are you comfortable with a moderate or medium amount of risk to get the best returns you can or not not comfortable taking any risk knowing the returns are lower?\n\nWhere do you think you feel on that scale?\n\nChannel 1: No. Just keep it I'm pretty sure I'm high risk at the moment. Just keep it high risk\n\nChannel 0: Yep.\n\nChannel 1: while I'm still young and earning money.\n\nChannel 0: Absolutely.\n\nChannel 1: So I might\n\nChannel 0: Beautiful.\n\nChannel 1: as much as\n\nChannel 0: And\n\nChannel 1: I can.\n\nChannel 0: absolutely. And have you ever thought about borrowing to invest in shares or manage funds, or do you feel like that's too risky and only ever wanted to borrow for, say, cat property?\n\nChannel 1: Yeah. Just borrow from property and not really.\n\nChannel 0: For property? Yep. Beautiful. Excellent. And with your goals and things here, I had it noted that down the track, you're wanting to obviously pay off your home loan before you retire.\n\nChannel 1: Yep.\n\nChannel 0: Are you sort of wanting to look at building and buying additional properties or investing in any other way, or are you sorta happy just as, you know, working towards 60 and and living on super? What's your sorta other goals down the track?\n\nChannel 1: Look. Maybe down the track. We're looking at extending on the house for it now. If not,\n\nChannel 0: Yep.\n\nChannel 1: sell and buy something bigger.\n\nChannel 0: Yeah. Beautiful.\n\nChannel 1: Okay.\n\nChannel 0: Excellent. And so you'd probably sell this current property property if that was the case?\n\nChannel 1: Yeah. I would evaluate to see if it's worth extension or if it's worth just yeah. If it's not sorry. If we're borrowing more than what the house is worth, if\n\nChannel 0: Absolutely.\n\nChannel 1: it's a sell and buy another house.\n\nChannel 0: Yeah. Absolutely. And what kind of value would you put on the property now do you think? I had 510 here last year.\n\nChannel 1: It's about 4 of 83 at the moment.\n\nChannel 0: Oh, beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: Excellent. I also had your car down with a value of 40,000. Would you keep or keep that the same or lower that slightly?\n\nChannel 1: I sold that car since the last review. So\n\nChannel 0: Yep.\n\nChannel 1: the new one out of the rear end, probably that 50 at the moment.\n\nChannel 0: Beautiful. What kind\n\nChannel 1: 50\n\nChannel 0: of car\n\nChannel 1: 50\n\nChannel 0: is it\n\nChannel 1: four.\n\nChannel 0: now?\n\nChannel 1: Ford Ranger.\n\nChannel 0: Oh, nice. They hold their value really nicely. Everyone wants a good Ford Ranger or a Toyota Hilux, so\n\nChannel 1: Yeah. Yep.\n\nChannel 0: well worth their money. Beautiful.\n\nChannel 1: That's it. Yep.\n\nChannel 0: And we had down here that you had used the offset last year to be able to pay for the wedding. Have you managed to sort of build that up again since then? Or\n\nChannel 1: No. Not really. We're going, yeah, roughly paycheck to paycheck at the moment.\n\nChannel 0: Yeah. No. Completely understandable. The last thing I just wanted to double check there was with your beneficiaries and the state planning. So I can see here your beneficiary, you have a binding nomination, which is great,\n\nChannel 1: Yep.\n\nChannel 0: nominating, if anything happened, a 100% to Amy. Is that right?\n\nChannel 1: Yes. Yes. That's correct.\n\nChannel 0: Beautiful. Now Amy was your spouse or is your spouse. Sorry.\n\nChannel 1: Yep.\n\nChannel 0: I've got her surname here as Skelland. Is that still correct, or has she changed\n\nChannel 1: No.\n\nChannel 0: that\n\nChannel 1: It's\n\nChannel 0: since you got\n\nChannel 1: it's\n\nChannel 0: married?\n\nChannel 1: yeah. It's called. Yeah. Yep.\n\nChannel 0: Okay. Beautiful. So we has she updated her driver's license and ID to reflect that change?\n\nChannel 1: Yes. Yes. Yep.\n\nChannel 0: Yep. Beautiful. What I will probably do is I'll get someone to send out your beneficiary nominations because her name needs to reflect what her ID is just because if at the\n\nChannel 1: Yep.\n\nChannel 0: event that she was the claim and things didn't match up, it would make the claim a lot harder for her. So\n\nChannel 1: Yep.\n\nChannel 0: I will get that organized. Are you happy for me to pre fill that information with all of her details that we have on file for you?\n\nChannel 1: Yeah. That'd be perfect. You make it hell\n\nChannel 0: Beautiful.\n\nChannel 1: of a lot easier.\n\nChannel 0: Absolutely. And her name is Amy Louise Hiscock now?\n\nChannel 1: Yes. That's correct.\n\nChannel 0: Beautiful. You have it as a binding, non lapsing nomination, which is honestly great because you fill one format. You never have to fill it out again until you change your nomination. You also\n\nChannel 1: Yep.\n\nChannel 0: have the option of a binding lapsing, which means we have prefill the nomination out every year three years. Are you\n\nChannel 1: Yep.\n\nChannel 0: happy to keep it binding, non lapsing?\n\nChannel 1: Yeah. Keep it bonding. Yep.\n\nChannel 0: Yep. Beautiful. And have you guys talked about doing your will, power of attorney, and other estate planning documents since you got married?\n\nChannel 1: We have discussed it, but haven't really gone any further with that. But if you guys do all that, we'll be happy to do that.\n\nChannel 0: Beautiful. We don't because we're not solicitors,\n\nChannel 1: Yeah. That's\n\nChannel 0: but\n\nChannel 1: great.\n\nChannel 0: I can\n\nChannel 1: Yep.\n\nChannel 0: email you through some information on doing it via the will kit through the post office, or every state has a public trustee that can also help you. So I can gather that information together for you if you like\n\nChannel 1: Yep.\n\nChannel 0: and send you just an email with an outline to sort of start the conversation.\n\nChannel 1: Yeah. That'd be perfect.\n\nChannel 0: Beautiful. Fantastic. And is there any other goals that you might have down the track that you might be wanting to achieve as well?\n\nChannel 1: Not really. Maybe a bit of traveling around Australia once we're at\n\nChannel 0: Travel.\n\nChannel 1: our age. Yeah.\n\nChannel 0: Beautiful. Fantastic. Thank you so much for that. So that's basically everything I needed to go through. I'll go back and do some research there for you.\n\nI'll send you an email with the information that we've gone through.\n\nChannel 1: Yep.\n\nChannel 0: And if you\n\nChannel 1: Yep.\n\nChannel 0: can just send the budget planner back, we can touch base and have a chat about that with you as well.\n\nChannel 1: Yep.\n\nChannel 0: Sorry. The only other thing I just wanna do is to rebook you in for a day probably next week where my colleagues can go through just a pre assessment with you to assess the insurances that I'll do research on. Is\n\nChannel 1: Yep.\n\nChannel 0: there a day or time that suits you best normally?\n\nChannel 1: Let me just have a look at the calendar. So next week,\n\nChannel 0: Yep.\n\nChannel 1: what are we now? The twenty ninth, so it'll be\n\nChannel 0: Yep.\n\nChannel 1: the October 9?\n\nChannel 0: Yeah. That's next Friday. Does Friday work best for you normally?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yeah. That's okay. What if\n\nChannel 1: Is\n\nChannel 0: I was\n\nChannel 1: that\n\nChannel 0: to\n\nChannel 1: working\n\nChannel 0: pop it\n\nChannel 1: or is it, yeah, I can do\n\nChannel 0: yeah.\n\nChannel 1: Thursday?\n\nChannel 0: Thursday is perfect as well. Did you want for the morning or afternoon?\n\nChannel 1: Morning would be\n\nChannel 0: Yeah. Beautiful. Well, what if we pop it in there for, say,\n\nChannel 1: fine.\n\nChannel 0: 09:30 Queensland time next next Thursday, the eighth? No. Just\n\nChannel 1: Yep.\n\nChannel 0: double\n\nChannel 1: Perfect.\n\nChannel 0: checking. You're in Queensland, so we're on the same\n\nChannel 1: Yes.\n\nChannel 0: time zone. Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: Lovely. And my team wants to give you a call just a bit of an in-depth questionnaire around your health and your work life and things like that just so I\n\nChannel 1: Yep.\n\nChannel 0: can understand what kind of insurance contracts might be on offer for you,\n\nChannel 1: Yep.\n\nChannel 0: and then I'll be able to update the recommendations there for you to reflect. Okay?\n\nChannel 1: Yep. Perfect.\n\nChannel 0: Beautiful. Look. Thank you so much for your time today, Adam. Feel free to take a look through any of your documents once you're happy to start and return them back. I'll get you to do so,\n\nChannel 1: Yep.\n\nChannel 0: and I'll get stuck into the resets there for you.\n\nChannel 1: No. Thank you, Donna. Appreciate it.\n\nChannel 0: No problem at all. I'm also just gonna quickly book you in just to have your advice presentation a few weeks after that. So if we do your pre assessment next week, we could then provide the advice, say, two weeks after that. Would Thursday, the twenty second, be okay for that one as well?\n\nChannel 1: Let me have a look. Sorry.\n\nChannel 0: You're fine. Sorry. I'm going a bit ahead.\n\nChannel 1: Yeah. That'll be perfect.\n\nChannel 0: Beautiful. And I could do 09:30 in the morning then for you as well as we get it out of the way for you to enjoy your day.\n\nChannel 1: Yep. That'll be perfect.\n\nChannel 0: Beautiful. Thank you so much for that, Adam. My colleague, Kayden, will give you a call next Tuesday sorry. Next\n\nChannel 1: Yeah.\n\nChannel 0: Thursday to go to the pre assessment, and I'll get stuck into the research in the meantime there for you, and I'll get that email out to you. So if you find there's anything additional, you please let me know.\n\nChannel 1: Yep.\n\nChannel 0: Okay?\n\nChannel 1: Well done, Diana. Thank you very much for that. I'll sign this form and get it back to you.\n\nChannel 0: Fantastic. Thank you so much for your time today. Enjoy your day.\n\nChannel 1: Same to you, Donna. See\n\nChannel 0: Thanks.\n\nChannel 1: you.\n\nChannel 0: See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.0,"end":0.5,"sentiment":"neutral","sentiment_score":0.016258951276540756},{"text":"Hello?","start":0.88,"end":1.38,"sentiment":"neutral","sentiment_score":0.015291478484869003},{"text":"Hello?","start":2.7199998,"end":3.2199998,"sentiment":"neutral","sentiment_score":0.016116086393594742},{"text":"Hello?","start":4.56,"end":5.06,"sentiment":"neutral","sentiment_score":0.02800312265753746}],"sentiment":"neutral","sentiment_score":0.01891740970313549,"channel":1,"num_words":4,"start":0.0,"end":5.06},{"sentences":[{"text":"Hi, Adam.","start":5.8399997,"end":6.48,"sentiment":"neutral","sentiment_score":0.15846678614616394},{"text":"It's Dana from Okey Financial.","start":6.48,"end":7.94,"sentiment":"neutral","sentiment_score":0.2126532942056656},{"text":"How are you today?","start":8.08,"end":8.98,"sentiment":"neutral","sentiment_score":0.2564327232539654}],"sentiment":"neutral","sentiment_score":0.21872099421241067,"channel":0,"num_words":11,"start":5.8399997,"end":8.98},{"sentences":[{"text":"Good.","start":8.96,"end":9.28,"sentiment":"positive","sentiment_score":0.3661840558052063},{"text":"Yourself?","start":9.28,"end":9.679999,"sentiment":"neutral","sentiment_score":0.1881302297115326},{"text":"Sorry.","start":9.679999,"end":10.0,"sentiment":"neutral","sentiment_score":-0.07758910953998566},{"text":"I didn't realize the time and just missed you.","start":10.0,"end":12.42,"sentiment":"neutral","sentiment_score":-0.15981052815914154}],"sentiment":"neutral","sentiment_score":-0.08013079812129338,"channel":1,"num_words":12,"start":8.96,"end":12.42},{"sentences":[{"text":"No.","start":12.0,"end":12.495,"sentiment":"neutral","sentiment_score":-0.08597368001937866},{"text":"That's absolutely fine.","start":12.735,"end":13.934999,"sentiment":"neutral","sentiment_score":0.11384749412536621},{"text":"That's why I thought I'll give you another call just to see if you've missed the call or not.","start":13.934999,"end":17.535,"sentiment":"neutral","sentiment_score":0.0680481044477538},{"text":"It's all good.","start":17.535,"end":18.595,"sentiment":"positive","sentiment_score":0.6073872844378153},{"text":"I had to book in just to go to your annual review.","start":19.135,"end":21.295,"sentiment":"neutral","sentiment_score":0.1796746775507927}],"sentiment":"neutral","sentiment_score":0.1454405465996579,"channel":0,"num_words":38,"start":12.0,"end":21.295},{"sentences":[{"text":"Is now still a suitable time there for you?","start":21.295,"end":23.634998,"sentiment":"neutral","sentiment_score":0.09324522813161214}],"sentiment":"neutral","sentiment_score":0.09324522813161214,"channel":0,"num_words":9,"start":21.295,"end":23.634998},{"sentences":[{"text":"Yeah.","start":23.625,"end":23.865,"sentiment":"neutral","sentiment_score":0.23168829083442688},{"text":"That's perfect.","start":23.865,"end":24.605,"sentiment":"positive","sentiment_score":0.5542865097522736}],"sentiment":"positive","sentiment_score":0.44675377011299133,"channel":1,"num_words":3,"start":23.625,"end":24.605},{"sentences":[{"text":"Fantastic.","start":25.38,"end":25.88,"sentiment":"positive","sentiment_score":0.6962363719940186},{"text":"Just before we jump into the call, just to let you know, we do record our calls for quality and training purposes.","start":26.34,"end":30.66,"sentiment":"neutral","sentiment_score":0.3134785998951305},{"text":"Are you happy for me to proceed with that?","start":30.66,"end":32.6,"sentiment":"positive","sentiment_score":0.35008668568399215}],"sentiment":"positive","sentiment_score":0.3357358044013381,"channel":0,"num_words":32,"start":25.38,"end":32.6},{"sentences":[{"text":"Yep.","start":32.79,"end":33.29,"sentiment":"neutral","sentiment_score":0.2123626172542572}],"sentiment":"neutral","sentiment_score":0.2123626172542572,"channel":1,"num_words":1,"start":32.79,"end":33.29},{"sentences":[{"text":"Fantastic.","start":33.86,"end":34.36,"sentiment":"positive","sentiment_score":0.4369435906410218},{"text":"And just to do a quick security check there with you as well just to confirm your full name, your date of birth, and address I should have on","start":34.5,"end":40.125,"sentiment":"neutral","sentiment_score":0.20425466319610333}],"sentiment":"neutral","sentiment_score":0.2120109607776006,"channel":0,"num_words":30,"start":33.86,"end":40.125},{"sentences":[{"text":"Yep.","start":40.465,"end":40.945,"sentiment":"neutral","sentiment_score":0.1353158950805664},{"text":"Adam, Leslie, Hissock, first of the second nineteen ninety three, and thirty Catherine Road, Colopy, Queensland","start":40.945,"end":46.324997,"sentiment":"neutral","sentiment_score":0.0910935322754085}],"sentiment":"neutral","sentiment_score":0.09369484773453544,"channel":1,"num_words":17,"start":40.465,"end":46.324997},{"sentences":[{"text":"file","start":46.205,"end":46.705,"sentiment":"neutral","sentiment_score":0.1025712639093399}],"sentiment":"neutral","sentiment_score":0.1025712639093399,"channel":0,"num_words":1,"start":46.205,"end":46.705},{"sentences":[{"text":"four six","start":46.385,"end":46.864998,"sentiment":"neutral","sentiment_score":0.08443994075059891}],"sentiment":"neutral","sentiment_score":0.08443994075059891,"channel":1,"num_words":2,"start":46.385,"end":46.864998},{"sentences":[{"text":"there.","start":46.845,"end":47.345,"sentiment":"neutral","sentiment_score":0.09188617765903472}],"sentiment":"neutral","sentiment_score":0.09188617765903472,"channel":0,"num_words":1,"start":46.845,"end":47.345},{"sentences":[{"text":"80.","start":46.864998,"end":47.605,"sentiment":"neutral","sentiment_score":0.05248153954744339}],"sentiment":"neutral","sentiment_score":0.05248153954744339,"channel":1,"num_words":1,"start":46.864998,"end":47.605},{"sentences":[{"text":"Yep.","start":47.485,"end":47.985,"sentiment":"neutral","sentiment_score":0.11735135316848756},{"text":"Beautiful.","start":48.125,"end":48.625,"sentiment":"positive","sentiment_score":0.3862933516502381},{"text":"Thank you so much for that.","start":48.845,"end":50.385002,"sentiment":"positive","sentiment_score":0.5872613489627838},{"text":"Adam, as part of your annual review, I did email some documents to you.","start":50.605,"end":53.885,"sentiment":"neutral","sentiment_score":0.22806492980037416},{"text":"Are you able to access your email, sir, at the","start":53.885,"end":57.66714,"sentiment":"neutral","sentiment_score":0.10497028082609176}],"sentiment":"neutral","sentiment_score":0.2584320195019245,"channel":0,"num_words":32,"start":47.485,"end":57.66714},{"sentences":[{"text":"Yes.","start":57.63,"end":57.95,"sentiment":"neutral","sentiment_score":0.07745389640331268}],"sentiment":"neutral","sentiment_score":0.07745389640331268,"channel":1,"num_words":1,"start":57.63,"end":57.95},{"sentences":[{"text":"moment?","start":57.772858,"end":58.272858,"sentiment":"neutral","sentiment_score":0.09269195795059204}],"sentiment":"neutral","sentiment_score":0.09269195795059204,"channel":0,"num_words":1,"start":57.772858,"end":58.272858},{"sentences":[{"text":"Yep.","start":57.95,"end":58.45,"sentiment":"neutral","sentiment_score":0.08710677921772003}],"sentiment":"neutral","sentiment_score":0.08710677921772003,"channel":1,"num_words":1,"start":57.95,"end":58.45},{"sentences":[{"text":"Yeah.","start":58.37857,"end":58.87857,"sentiment":"neutral","sentiment_score":0.1761854737997055},{"text":"Beautiful.","start":58.984283,"end":59.484283,"sentiment":"positive","sentiment_score":0.3802843987941742},{"text":"I'm just sending those through to you.","start":59.59,"end":61.11,"sentiment":"neutral","sentiment_score":0.29779745851244244},{"text":"Just sometimes it's easier that you can so you can look at them as I'm going through things.","start":61.11,"end":65.049995,"sentiment":"neutral","sentiment_score":0.2990500148799684},{"text":"All","start":65.83,"end":66.07,"sentiment":"neutral","sentiment_score":0.21571090817451477}],"sentiment":"neutral","sentiment_score":0.2942736877926758,"channel":0,"num_words":28,"start":58.37857,"end":66.07},{"sentences":[{"text":"Yep.","start":65.869995,"end":66.369995,"sentiment":"neutral","sentiment_score":0.2194480150938034}],"sentiment":"neutral","sentiment_score":0.2194480150938034,"channel":1,"num_words":1,"start":65.869995,"end":66.369995},{"sentences":[{"text":"good.","start":66.07,"end":66.57,"sentiment":"neutral","sentiment_score":0.28544485569000244},{"text":"I also noted here on your file that you wanted to also have a bit of a chat about cash flow and budgeting as well, and my colleague Samantha had emailed you the budget plan.","start":67.315,"end":75.555,"sentiment":"neutral","sentiment_score":0.13481843173503877},{"text":"Have you had a chance to complete and return that one as of yet?","start":75.555,"end":78.535,"sentiment":"neutral","sentiment_score":0.08995378363345351}],"sentiment":"neutral","sentiment_score":0.12526885874569416,"channel":0,"num_words":50,"start":66.07,"end":78.535},{"sentences":[{"text":"No.","start":79.345,"end":79.665,"sentiment":"neutral","sentiment_score":-0.026860728859901428},{"text":"I haven't.","start":79.665,"end":80.145,"sentiment":"neutral","sentiment_score":-0.03983539156615734},{"text":"But we'll just do the","start":80.145,"end":81.265,"sentiment":"neutral","sentiment_score":0.013020706549286842}],"sentiment":"neutral","sentiment_score":-0.005178497405722737,"channel":1,"num_words":8,"start":79.345,"end":81.265},{"sentences":[{"text":"That's","start":81.25,"end":81.49,"sentiment":"neutral","sentiment_score":0.035544686019420624}],"sentiment":"neutral","sentiment_score":0.035544686019420624,"channel":0,"num_words":1,"start":81.25,"end":81.49},{"sentences":[{"text":"annual","start":81.265,"end":81.585,"sentiment":"neutral","sentiment_score":0.05307790637016296}],"sentiment":"neutral","sentiment_score":0.05307790637016296,"channel":1,"num_words":1,"start":81.265,"end":81.585},{"sentences":[{"text":"okay.","start":81.49,"end":81.99,"sentiment":"neutral","sentiment_score":0.030883826315402985}],"sentiment":"neutral","sentiment_score":0.030883826315402985,"channel":0,"num_words":1,"start":81.49,"end":81.99},{"sentences":[{"text":"review for now, and I'll book","start":81.585,"end":82.945,"sentiment":"neutral","sentiment_score":0.04438507308562597}],"sentiment":"neutral","sentiment_score":0.04438507308562597,"channel":1,"num_words":6,"start":81.585,"end":82.945},{"sentences":[{"text":"Yeah.","start":82.93,"end":83.43,"sentiment":"neutral","sentiment_score":0.03507468104362488}],"sentiment":"neutral","sentiment_score":0.03507468104362488,"channel":0,"num_words":1,"start":82.93,"end":83.43},{"sentences":[{"text":"in that financial review later.","start":82.945,"end":85.03,"sentiment":"neutral","sentiment_score":0.035341304168105124}],"sentiment":"neutral","sentiment_score":0.035341304168105124,"channel":1,"num_words":5,"start":82.945,"end":85.03},{"sentences":[{"text":"Yeah.","start":85.41,"end":85.81,"sentiment":"neutral","sentiment_score":0.11780069023370744},{"text":"Absolutely.","start":85.81,"end":86.31,"sentiment":"neutral","sentiment_score":0.19769473373889923},{"text":"Not a problem at 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we can always come back and have that conversation down the track.","start":98.025,"end":100.825,"sentiment":"neutral","sentiment_score":0.08084334203830132},{"text":"How does that sound?","start":100.825,"end":101.805,"sentiment":"neutral","sentiment_score":0.1437007188796997}],"sentiment":"neutral","sentiment_score":0.09563331305980682,"channel":0,"num_words":17,"start":98.025,"end":101.805},{"sentences":[{"text":"Yeah.","start":102.225,"end":102.465,"sentiment":"neutral","sentiment_score":0.16709503531455994},{"text":"No.","start":102.465,"end":102.625,"sentiment":"neutral","sentiment_score":0.22877337038517},{"text":"That sounds 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you.","start":1037.145,"end":1045.245,"sentiment":"neutral","sentiment_score":0.13141720797176715}],"sentiment":"neutral","sentiment_score":0.12889708784119835,"channel":0,"num_words":29,"start":1035.73,"end":1045.245},{"sentences":[{"text":"Yep.","start":1045.54,"end":1046.04,"sentiment":"neutral","sentiment_score":0.23943936824798584}],"sentiment":"neutral","sentiment_score":0.23943936824798584,"channel":1,"num_words":1,"start":1045.54,"end":1046.04},{"sentences":[{"text":"But we would definitely be able to do that equation with you and sorta help and look to minimize the tax there.","start":1045.625,"end":1051.26,"sentiment":"neutral","sentiment_score":0.32877584953199734},{"text":"The reason I kind of am going through that and explaining you so much is that just want to make sure with that level of cover, the $6.42 between your super and your CBD, are you comfortable with that level of 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yeah.","start":1069.4851,"end":1075.81,"sentiment":"neutral","sentiment_score":-0.1913150739338663}],"sentiment":"neutral","sentiment_score":-0.17416463429108262,"channel":1,"num_words":20,"start":1068.3651,"end":1075.81},{"sentences":[{"text":"Yep.","start":1076.515,"end":1077.015,"sentiment":"neutral","sentiment_score":-0.03518575057387352}],"sentiment":"neutral","sentiment_score":-0.03518575057387352,"channel":0,"num_words":1,"start":1076.515,"end":1077.015},{"sentences":[{"text":"Wouldn't cover much at all.","start":1076.5901,"end":1078.53,"sentiment":"neutral","sentiment_score":-0.21187423467636107}],"sentiment":"neutral","sentiment_score":-0.21187423467636107,"channel":1,"num_words":5,"start":1076.5901,"end":1078.53},{"sentences":[{"text":"No.","start":1079.075,"end":1079.315,"sentiment":"neutral","sentiment_score":-0.13784939050674438},{"text":"That's okay.","start":1079.315,"end":1080.135,"sentiment":"neutral","sentiment_score":0.034195558400824666},{"text":"One of the things I can see now your TBD, that's hub twenty four cover looks like I'm just actually going to go forward to have a look at the documents.","start":1080.9199,"end":1090.0599,"sentiment":"neutral","sentiment_score":0.09853760934164447},{"text":"Yeah.","start":1096.5349,"end":1096.7749,"sentiment":"neutral","sentiment_score":0.13559576869010925},{"text":"So it looks like it is with Hub twenty four.","start":1096.7749,"end":1098.615,"sentiment":"neutral","sentiment_score":0.13310513347387315}],"sentiment":"neutral","sentiment_score":0.09893010487366054,"channel":0,"num_words":45,"start":1079.075,"end":1098.615},{"sentences":[{"text":"So what I'll do is after the call, I'll book you in for a pre assessment with one of my team members and colleagues.","start":1098.615,"end":1104.475,"sentiment":"neutral","sentiment_score":0.1637905640527606},{"text":"That'll go through a bit of a pre assessment with you just to kind of assess what level of cover we're able to obtain, what kind of contracts we 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Adam?","start":1119.64,"end":1120.9401,"sentiment":"neutral","sentiment_score":0.22805873056252798}],"sentiment":"neutral","sentiment_score":0.2491118898615241,"channel":0,"num_words":16,"start":1117.7201,"end":1120.9401},{"sentences":[{"text":"Yeah.","start":1120.865,"end":1121.105,"sentiment":"neutral","sentiment_score":0.1856246441602707},{"text":"That'll be fine.","start":1121.105,"end":1121.905,"sentiment":"neutral","sentiment_score":0.2541520744562149},{"text":"Yep.","start":1121.905,"end":1122.405,"sentiment":"neutral","sentiment_score":0.2808590829372406}],"sentiment":"neutral","sentiment_score":0.2457879900932312,"channel":1,"num_words":5,"start":1120.865,"end":1122.405},{"sentences":[{"text":"Excellent.","start":1122.4401,"end":1122.9401,"sentiment":"positive","sentiment_score":0.692192554473877},{"text":"Beautiful.","start":1123.0801,"end":1123.5801,"sentiment":"positive","sentiment_score":0.6517831087112427},{"text":"Now when you think about TBD, if you were unable to ever 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it can make the policy cheaper.","start":1229.31,"end":1238.99,"sentiment":"neutral","sentiment_score":0.2050698242017201},{"text":"Did you want me to look at those options as well?","start":1238.99,"end":1241.33,"sentiment":"neutral","sentiment_score":0.0898514146154577}],"sentiment":"neutral","sentiment_score":0.18373770484079918,"channel":0,"num_words":48,"start":1226.915,"end":1241.33},{"sentences":[{"text":"Yeah.","start":1241.5701,"end":1242.0701,"sentiment":"neutral","sentiment_score":0.10210849344730376},{"text":"Yep.","start":1242.13,"end":1242.63,"sentiment":"neutral","sentiment_score":0.14582142233848572}],"sentiment":"neutral","sentiment_score":0.12396495789289474,"channel":1,"num_words":2,"start":1241.5701,"end":1242.63},{"sentences":[{"text":"Beautiful.","start":1243.665,"end":1244.165,"sentiment":"positive","sentiment_score":0.4411020278930664},{"text":"To make cheaper.","start":1244.545,"end":1245.6849,"sentiment":"neutral","sentiment_score":0.3124954601128896},{"text":"Excellent.","start":1245.745,"end":1246.245,"sentiment":"positive","sentiment_score":0.6270500421524048},{"text":"Fantastic.","start":1246.385,"end":1246.885,"sentiment":"positive","sentiment_score":0.6718928813934326},{"text":"I can look at that for you.","start":1247.105,"end":1248.225,"sentiment":"positive","sentiment_score":0.5187367711748395}],"sentiment":"positive","sentiment_score":0.48528374846164996,"channel":0,"num_words":13,"start":1243.665,"end":1248.225},{"sentences":[{"text":"Not a problem.","start":1248.225,"end":1249.125,"sentiment":"neutral","sentiment_score":0.2259345849355062},{"text":"Now the other thing we do have here is your income protection policy, which can pay up to 70% of your pre disability income in the event that you're unable to ever go unable to go to work in a short term.","start":1249.745,"end":1260.73,"sentiment":"neutral","sentiment_score":0.07041442576086238},{"text":"Sorry.","start":1260.73,"end":1261.05,"sentiment":"neutral","sentiment_score":0.01315711997449398},{"text":"So it covers you for short term disability.","start":1261.05,"end":1263.39,"sentiment":"neutral","sentiment_score":0.007772910175845027},{"text":"Based on your current income, I'm just checking the level for you.","start":1264.17,"end":1267.55,"sentiment":"neutral","sentiment_score":0.06502632672588031}],"sentiment":"neutral","sentiment_score":0.06804342361900842,"channel":0,"num_words":66,"start":1248.225,"end":1267.55},{"sentences":[{"text":"It sort of shows here on the document that you're covered for a monthly benefit of up to $10,749.20 20¢ as","start":1267.93,"end":1276.715,"sentiment":"neutral","sentiment_score":0.07648983038961887}],"sentiment":"neutral","sentiment_score":0.07648983038961887,"channel":0,"num_words":21,"start":1267.93,"end":1276.715},{"sentences":[{"text":"Yep.","start":1276.58,"end":1277.08,"sentiment":"neutral","sentiment_score":0.06384822726249695}],"sentiment":"neutral","sentiment_score":0.06384822726249695,"channel":1,"num_words":1,"start":1276.58,"end":1277.08},{"sentences":[{"text":"a monthly benefit.","start":1276.715,"end":1277.755,"sentiment":"neutral","sentiment_score":0.06328221534689267},{"text":"It's a pre so it's a gross benefit, pretax benefit amount as well.","start":1277.755,"end":1281.775,"sentiment":"neutral","sentiment_score":0.07990040028324494},{"text":"If we have a look at your current income based on a 183,012.","start":1282.0,"end":1290.1,"sentiment":"neutral","sentiment_score":0.04518978870832003},{"text":"It shows that you would need to be covered for about 10,675.","start":1291.2,"end":1295.84,"sentiment":"neutral","sentiment_score":0.08846489215890567},{"text":"So your income benefit is very well on track for that.","start":1295.84,"end":1299.405,"sentiment":"positive","sentiment_score":0.5028962980617177}],"sentiment":"neutral","sentiment_score":0.161720328606092,"channel":0,"num_words":52,"start":1276.715,"end":1299.405},{"sentences":[{"text":"It is slightly over insuring you only by, you know, less than a $100, essentially.","start":1299.405,"end":1304.545,"sentiment":"neutral","sentiment_score":0.17246626814206442},{"text":"Are you","start":1304.925,"end":1305.3251,"sentiment":"neutral","sentiment_score":0.02741427533328533}],"sentiment":"neutral","sentiment_score":0.1554013278116198,"channel":0,"num_words":17,"start":1299.405,"end":1305.3251},{"sentences":[{"text":"Yep.","start":1305.26,"end":1305.76,"sentiment":"neutral","sentiment_score":0.06244482100009918}],"sentiment":"neutral","sentiment_score":0.06244482100009918,"channel":1,"num_words":1,"start":1305.26,"end":1305.76},{"sentences":[{"text":"comfortable with leaving that at the level it is, or did you want me to try and look at bringing that back slightly for you?","start":1305.3251,"end":1311.265,"sentiment":"neutral","sentiment_score":0.016888418048620225}],"sentiment":"neutral","sentiment_score":0.016888418048620225,"channel":0,"num_words":25,"start":1305.3251,"end":1311.265},{"sentences":[{"text":"No.","start":1312.855,"end":1313.0149,"sentiment":"neutral","sentiment_score":-0.11062158644199371},{"text":"Just leave it at the cover it is.","start":1313.0149,"end":1314.715,"sentiment":"neutral","sentiment_score":-0.06568535976111889}],"sentiment":"neutral","sentiment_score":-0.07067827383677165,"channel":1,"num_words":9,"start":1312.855,"end":1314.715},{"sentences":[{"text":"Yep.","start":1314.9401,"end":1315.34,"sentiment":"neutral","sentiment_score":0.20268146693706512},{"text":"Beautiful.","start":1315.34,"end":1315.84,"sentiment":"positive","sentiment_score":0.49277210235595703}],"sentiment":"positive","sentiment_score":0.3477267846465111,"channel":0,"num_words":2,"start":1314.9401,"end":1315.84},{"sentences":[{"text":"Yep.","start":1316.0549,"end":1316.5549,"sentiment":"positive","sentiment_score":0.3399169445037842}],"sentiment":"positive","sentiment_score":0.3399169445037842,"channel":1,"num_words":1,"start":1316.0549,"end":1316.5549},{"sentences":[{"text":"One of the things I do like about the way the policies are, they tend to sort of increase over time along with CPI as 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you.","start":1331.0249,"end":1339.1849,"sentiment":"neutral","sentiment_score":0.26363407185784093},{"text":"Okay.","start":1339.1849,"end":1339.6849,"sentiment":"neutral","sentiment_score":0.170808345079422}],"sentiment":"neutral","sentiment_score":0.2603188673300402,"channel":0,"num_words":28,"start":1331.0249,"end":1339.6849},{"sentences":[{"text":"Yep.","start":1339.65,"end":1340.15,"sentiment":"neutral","sentiment_score":0.1668224334716797},{"text":"Yep.","start":1340.61,"end":1341.11,"sentiment":"neutral","sentiment_score":0.2482413351535797}],"sentiment":"neutral","sentiment_score":0.2075318843126297,"channel":1,"num_words":2,"start":1339.65,"end":1341.11},{"sentences":[{"text":"Excellent.","start":1340.705,"end":1341.205,"sentiment":"positive","sentiment_score":0.5225334167480469},{"text":"And you've just got a sixty day waiting period and a five year benefit period there.","start":1341.7001,"end":1345.06,"sentiment":"neutral","sentiment_score":0.2800724031403661},{"text":"So it just means that if you're off work, you need to be off work for sixty days prior to submitting a claim, and then you can be on a claim for up to five years there as well, but you're fairly comfortable with that.","start":1345.06,"end":1354.66,"sentiment":"neutral","sentiment_score":0.13167302757501603},{"text":"Did you have any questions in relation to any of those?","start":1354.66,"end":1357.215,"sentiment":"neutral","sentiment_score":0.049576872113076126}],"sentiment":"neutral","sentiment_score":0.15718251645360906,"channel":0,"num_words":73,"start":1340.705,"end":1357.215},{"sentences":[{"text":"No.","start":1357.6,"end":1357.92,"sentiment":"neutral","sentiment_score":-0.06920230388641357},{"text":"No.","start":1357.92,"end":1358.16,"sentiment":"neutral","sentiment_score":-0.00699276477098465},{"text":"It's all good.","start":1358.16,"end":1359.06,"sentiment":"neutral","sentiment_score":0.1557933290799459}],"sentiment":"neutral","sentiment_score":0.07823698371648788,"channel":1,"num_words":5,"start":1357.6,"end":1359.06},{"sentences":[{"text":"Beautiful.","start":1359.695,"end":1360.195,"sentiment":"positive","sentiment_score":0.4979730248451233},{"text":"Thank you so much for that.","start":1360.255,"end":1361.715,"sentiment":"positive","sentiment_score":0.5950107872486115},{"text":"Now there are other types of insurances.","start":1361.9349,"end":1363.715,"sentiment":"neutral","sentiment_score":0.11610752557005201},{"text":"I'm sure others have sort of made mention to you.","start":1363.775,"end":1366.515,"sentiment":"neutral","sentiment_score":0.12224311828613281},{"text":"You can also have things like trauma, which pays out a lump sum benefit if you're diagnosed with a major traumatic condition like cancers, heart attack, strokes, and you can also get additional insurances for your children.","start":1366.735,"end":1378.39,"sentiment":"neutral","sentiment_score":0.09782320814760956}],"sentiment":"neutral","sentiment_score":0.15938820183032848,"channel":0,"num_words":61,"start":1359.695,"end":1378.39},{"sentences":[{"text":"These are called child trauma policies, which pay out lump sum benefits if one of your child children pass away and or are diagnosed with a major traumatic condition like cancer is probably one of the biggest 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tracking.","start":1393.425,"end":1399.425,"sentiment":"neutral","sentiment_score":-0.0987795818111171},{"text":"But","start":1399.425,"end":1399.925,"sentiment":"neutral","sentiment_score":-0.08215440809726715}],"sentiment":"neutral","sentiment_score":-0.07748517646424231,"channel":0,"num_words":31,"start":1391.265,"end":1399.925},{"sentences":[{"text":"No.","start":1399.865,"end":1400.265,"sentiment":"neutral","sentiment_score":-0.10206251591444016},{"text":"It's it's fine.","start":1400.265,"end":1401.2251,"sentiment":"positive","sentiment_score":0.4234420657157898}],"sentiment":"neutral","sentiment_score":0.2920659203082323,"channel":1,"num_words":4,"start":1399.865,"end":1401.2251},{"sentences":[{"text":"happy","start":1401.16,"end":1401.4,"sentiment":"positive","sentiment_score":0.7189328074455261}],"sentiment":"positive","sentiment_score":0.7189328074455261,"channel":0,"num_words":1,"start":1401.16,"end":1401.4},{"sentences":[{"text":"Thank 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know.","start":1403.0,"end":1406.8401,"sentiment":"neutral","sentiment_score":0.21632729237899184},{"text":"I'm more than happy to talk you through and work out what your goals are with regard to them.","start":1406.8401,"end":1411.3401,"sentiment":"positive","sentiment_score":0.5751030303929981}],"sentiment":"positive","sentiment_score":0.41577070268491906,"channel":0,"num_words":36,"start":1402.4401,"end":1411.3401},{"sentences":[{"text":"Yep.","start":1411.6001,"end":1412.1001,"sentiment":"neutral","sentiment_score":0.1544794738292694}],"sentiment":"neutral","sentiment_score":0.1544794738292694,"channel":1,"num_words":1,"start":1411.6001,"end":1412.1001},{"sentences":[{"text":"Beautiful.","start":1412.92,"end":1413.42,"sentiment":"positive","sentiment_score":0.33400318026542664},{"text":"The next document along is the 2026 Vanguard index chart.","start":1414.065,"end":1417.745,"sentiment":"neutral","sentiment_score":0.10093711614608765},{"text":"That's just after the internal rate of return report.","start":1417.745,"end":1420.385,"sentiment":"neutral","sentiment_score":0.08917343616485596},{"text":"Can you see that document there?","start":1420.385,"end":1422.085,"sentiment":"neutral","sentiment_score":0.05167657136917114}],"sentiment":"neutral","sentiment_score":0.09446133443942437,"channel":0,"num_words":26,"start":1412.92,"end":1422.085},{"sentences":[{"text":"Yes.","start":1422.56,"end":1422.88,"sentiment":"neutral","sentiment_score":0.06714846193790436},{"text":"Yes.","start":1422.88,"end":1423.185,"sentiment":"neutral","sentiment_score":0.07728548347949982}],"sentiment":"neutral","sentiment_score":0.07221697270870209,"channel":1,"num_words":2,"start":1422.56,"end":1423.185},{"sentences":[{"text":"Yeah.","start":1423.9049,"end":1424.385,"sentiment":"neutral","sentiment_score":0.15365919470787048},{"text":"Beautiful.","start":1424.385,"end":1424.885,"sentiment":"positive","sentiment_score":0.3695487082004547},{"text":"This one here just shows you how markets track over time and why we invest the way we do.","start":1424.945,"end":1429.53,"sentiment":"neutral","sentiment_score":0.2109913833831486}],"sentiment":"neutral","sentiment_score":0.2158116279613404,"channel":0,"num_words":21,"start":1423.9049,"end":1429.53},{"sentences":[{"text":"I can.","start":1429.265,"end":1429.5951,"sentiment":"neutral","sentiment_score":0.14270413666963577},{"text":"Yep.","start":1429.5951,"end":1430.0951,"sentiment":"neutral","sentiment_score":0.07806002348661423}],"sentiment":"neutral","sentiment_score":0.12115609894196193,"channel":1,"num_words":3,"start":1429.265,"end":1430.0951},{"sentences":[{"text":"So within your portfolio at the moment, you're in that growth environment.","start":1430.01,"end":1433.15,"sentiment":"neutral","sentiment_score":0.06841773974398772},{"text":"So it sees 80% of your super invested in growth assets, so things like Australian shares, international shares, listed property, and commodities like gold and silver.","start":1433.2101,"end":1441.9501,"sentiment":"neutral","sentiment_score":0.08552617909243473},{"text":"If you","start":1442.295,"end":1442.535,"sentiment":"neutral","sentiment_score":0.05019587650895119}],"sentiment":"neutral","sentiment_score":0.07862713215872645,"channel":0,"num_words":40,"start":1430.01,"end":1442.535},{"sentences":[{"text":"Yep.","start":1442.53,"end":1443.03,"sentiment":"neutral","sentiment_score":0.0348169170320034}],"sentiment":"neutral","sentiment_score":0.0348169170320034,"channel":1,"num_words":1,"start":1442.53,"end":1443.03},{"sentences":[{"text":"look at the top line there, which is The US shares, this is an example of a growth asset.","start":1442.535,"end":1447.035,"sentiment":"neutral","sentiment_score":0.04694443176451482},{"text":"Over time, it's just over the last thirty years, it's averaged about a 10.8% return, which is fantastic.","start":1447.3351,"end":1454.155,"sentiment":"neutral","sentiment_score":0.21456782850954267},{"text":"It means that it's turned $10,000 thirty years ago into","start":1454.295,"end":1457.85,"sentiment":"neutral","sentiment_score":0.24102019965648652}],"sentiment":"neutral","sentiment_score":0.15243334283537052,"channel":0,"num_words":47,"start":1442.535,"end":1457.85},{"sentences":[{"text":"Yep.","start":1457.655,"end":1458.155,"sentiment":"neutral","sentiment_score":0.1587453931570053}],"sentiment":"neutral","sentiment_score":0.1587453931570053,"channel":1,"num_words":1,"start":1457.655,"end":1458.155},{"sentences":[{"text":"over 218,000.","start":1457.85,"end":1459.71,"sentiment":"neutral","sentiment_score":0.14390839636325836},{"text":"However, being invested in that time frame means we're going through the market ups and downs, and that's probably the scary part.","start":1459.85,"end":1466.01,"sentiment":"neutral","sentiment_score":-0.18385617299513382},{"text":"That's the part that tends to make people very nervous.","start":1466.01,"end":1468.57,"sentiment":"neutral","sentiment_score":-0.25300098657608033},{"text":"It's going through the ups and downs and","start":1468.57,"end":1470.7949,"sentiment":"neutral","sentiment_score":-0.17507651820778847}],"sentiment":"neutral","sentiment_score":-0.18303907201403663,"channel":0,"num_words":42,"start":1457.85,"end":1470.7949},{"sentences":[{"text":"Yep.","start":1470.72,"end":1471.22,"sentiment":"neutral","sentiment_score":-0.10062114894390106}],"sentiment":"neutral","sentiment_score":-0.10062114894390106,"channel":1,"num_words":1,"start":1470.72,"end":1471.22},{"sentences":[{"text":"staying invested.","start":1470.7949,"end":1471.7749,"sentiment":"neutral","sentiment_score":-0.14116255193948746},{"text":"And that's why my job comes into play.","start":1471.995,"end":1474.2549,"sentiment":"neutral","sentiment_score":-0.06649659061804414},{"text":"If you're ever feeling nervous or concerned about what the markets are doing, please let me know.","start":1474.5549,"end":1478.955,"sentiment":"neutral","sentiment_score":-0.16458182036876678},{"text":"Market ups and downs are very normal.","start":1478.955,"end":1480.975,"sentiment":"neutral","sentiment_score":-0.20087113550731114},{"text":"And being within that growth environment, we understand that there are expected negative returns.","start":1481.0349,"end":1486.23,"sentiment":"neutral","sentiment_score":-0.17490956134029798}],"sentiment":"neutral","sentiment_score":-0.15556292880016068,"channel":0,"num_words":48,"start":1470.7949,"end":1486.23},{"sentences":[{"text":"So within this sort of portfolio, we expect a negative return around about one in every six years.","start":1486.71,"end":1492.09,"sentiment":"neutral","sentiment_score":-0.1690173629257414},{"text":"Sorry.","start":1492.5499,"end":1492.95,"sentiment":"neutral","sentiment_score":-0.1532631665468216},{"text":"One in every five years.","start":1492.95,"end":1493.83,"sentiment":"neutral","sentiment_score":-0.12372822612524033},{"text":"My apologies.","start":1493.83,"end":1494.57,"sentiment":"neutral","sentiment_score":-0.13741831481456757}],"sentiment":"neutral","sentiment_score":-0.15727128690251937,"channel":0,"num_words":26,"start":1486.71,"end":1494.57},{"sentences":[{"text":"Yep.","start":1495.02,"end":1495.52,"sentiment":"neutral","sentiment_score":-0.04449472948908806}],"sentiment":"neutral","sentiment_score":-0.04449472948908806,"channel":1,"num_words":1,"start":1495.02,"end":1495.52},{"sentences":[{"text":"But it also kind of suits someone who has at least six years before they're accessing their super because they can go through those and downs before they're gonna draw those funds out.","start":1495.11,"end":1503.465,"sentiment":"neutral","sentiment_score":-0.07894279175635541},{"text":"So this sort of environment still suits your time horizon.","start":1503.525,"end":1506.265,"sentiment":"neutral","sentiment_score":0.043560576252639295},{"text":"Is is there anything specific question wise or anything about the market that is coming to mind for yourself that might be concerning?","start":1507.365,"end":1513.705,"sentiment":"neutral","sentiment_score":-0.016920783840443775},{"text":"Or","start":1514.085,"end":1514.585,"sentiment":"neutral","sentiment_score":-0.051448971033096313}],"sentiment":"neutral","sentiment_score":-0.03895721439994983,"channel":0,"num_words":67,"start":1495.11,"end":1514.585},{"sentences":[{"text":"No.","start":1515.015,"end":1515.415,"sentiment":"neutral","sentiment_score":-0.05711048096418381},{"text":"It's just the market's shit in general at the moment.","start":1515.415,"end":1518.135,"sentiment":"negative","sentiment_score":-0.5399581700563431},{"text":"That's 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just sort of going through the ups and downs that we are seeing at the moment, but this sort of portfolio does suit your time horizon.","start":1521.1001,"end":1528.16,"sentiment":"neutral","sentiment_score":0.06172924332561031},{"text":"You've","start":1528.635,"end":1528.875,"sentiment":"neutral","sentiment_score":0.16533438861370087}],"sentiment":"neutral","sentiment_score":0.055887377656557984,"channel":0,"num_words":34,"start":1519.1001,"end":1528.875},{"sentences":[{"text":"Yep.","start":1528.68,"end":1529.18,"sentiment":"neutral","sentiment_score":0.1937748491764069}],"sentiment":"neutral","sentiment_score":0.1937748491764069,"channel":1,"num_words":1,"start":1528.68,"end":1529.18},{"sentences":[{"text":"got more than that more than twenty years ahead of you before accessing your super at this point.","start":1528.875,"end":1533.6951,"sentiment":"neutral","sentiment_score":0.14250231285889944}],"sentiment":"neutral","sentiment_score":0.14250231285889944,"channel":0,"num_words":18,"start":1528.875,"end":1533.6951},{"sentences":[{"text":"Yep.","start":1534.04,"end":1534.54,"sentiment":"neutral","sentiment_score":0.24107444286346436}],"sentiment":"neutral","sentiment_score":0.24107444286346436,"channel":1,"num_words":1,"start":1534.04,"end":1534.54},{"sentences":[{"text":"And having more of those growth assets over the longer term does provide a greater level of return.","start":1534.0751,"end":1539.915,"sentiment":"positive","sentiment_score":0.3719814933008618},{"text":"So it's about under it's about wanting to get as the best returns we possibly can, but taking on a level of risk that's comfortable with us there as well.","start":1539.915,"end":1547.77,"sentiment":"neutral","sentiment_score":0.243708772957325},{"text":"So you are definitely in that right sort of space for 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we","start":1564.2151,"end":1566.4551,"sentiment":"neutral","sentiment_score":0.09325254196301103}],"sentiment":"neutral","sentiment_score":0.1409581700184693,"channel":0,"num_words":48,"start":1553.4951,"end":1566.4551},{"sentences":[{"text":"Yep.","start":1566.255,"end":1566.755,"sentiment":"neutral","sentiment_score":0.08225399255752563}],"sentiment":"neutral","sentiment_score":0.08225399255752563,"channel":1,"num_words":1,"start":1566.255,"end":1566.755},{"sentences":[{"text":"have more defensive assets.","start":1566.4551,"end":1568.395,"sentiment":"neutral","sentiment_score":0.04956849664449692},{"text":"And defensive assets are things like cash, bonds, and fixed interest.","start":1568.67,"end":1572.13,"sentiment":"neutral","sentiment_score":0.06217589635740627},{"text":"If you have a look at the bottom of that page, the Australian bonds, that's one of these sorts of lower risk defensive investments.","start":1572.67,"end":1579.87,"sentiment":"neutral","sentiment_score":0.0755289380128185},{"text":"They get a lower rate of return.","start":1579.87,"end":1581.4901,"sentiment":"neutral","sentiment_score":0.13926988520792552},{"text":"This has essentially turned 10,000 into $45 45,000, sorry, over the past thirty years.","start":1582.045,"end":1588.385,"sentiment":"neutral","sentiment_score":0.13068891423089163}],"sentiment":"neutral","sentiment_score":0.09165728924175104,"channel":0,"num_words":60,"start":1566.4551,"end":1588.385},{"sentences":[{"text":"It's 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the money that you're gonna draw out on a regular basis.","start":1596.69,"end":1609.0099,"sentiment":"neutral","sentiment_score":0.19568450695702008},{"text":"Does that make sense?","start":1609.0099,"end":1609.8099,"sentiment":"neutral","sentiment_score":0.11856654472649097}],"sentiment":"neutral","sentiment_score":0.16575926734191,"channel":0,"num_words":66,"start":1589.085,"end":1609.8099},{"sentences":[{"text":"Yep.","start":1609.63,"end":1610.13,"sentiment":"neutral","sentiment_score":0.04596489667892456}],"sentiment":"neutral","sentiment_score":0.04596489667892456,"channel":1,"num_words":1,"start":1609.63,"end":1610.13},{"sentences":[{"text":"And do you have any questions at all?","start":1609.8099,"end":1611.75,"sentiment":"neutral","sentiment_score":0.04665459645912051},{"text":"Yep.","start":1613.555,"end":1614.035,"sentiment":"neutral","sentiment_score":0.12396105378866196},{"text":"Beautiful.","start":1614.035,"end":1614.535,"sentiment":"positive","sentiment_score":0.37235227227211},{"text":"If you go to the next document, the next one along is the Oakview Financial Services Guide.","start":1615.395,"end":1619.9751,"sentiment":"neutral","sentiment_score":0.11546170842998169},{"text":"This one here outlines essentially all about our services.","start":1620.035,"end":1623.015,"sentiment":"neutral","sentiment_score":0.09485194832086563}],"sentiment":"neutral","sentiment_score":0.10239074099808931,"channel":0,"num_words":36,"start":1609.8099,"end":1623.015},{"sentences":[{"text":"We do charge for additional services, but I sort of have that conversation with you depending on what you're 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there.","start":1629.8201,"end":1634.88,"sentiment":"neutral","sentiment_score":0.07779778946529735},{"text":"And","start":1635.02,"end":1635.26,"sentiment":"neutral","sentiment_score":0.0967969298362732}],"sentiment":"neutral","sentiment_score":0.07862383904664413,"channel":0,"num_words":23,"start":1629.8201,"end":1635.26},{"sentences":[{"text":"Yep.","start":1635.215,"end":1635.57,"sentiment":"neutral","sentiment_score":0.11180617660284042}],"sentiment":"neutral","sentiment_score":0.11180617660284042,"channel":1,"num_words":1,"start":1635.215,"end":1635.57},{"sentences":[{"text":"if you just ask a general advice, I can do that fully free of charge for you to help you along.","start":1635.26,"end":1640.16,"sentiment":"neutral","sentiment_score":0.1506855966789382},{"text":"Okay?","start":1640.2201,"end":1640.7201,"sentiment":"neutral","sentiment_score":0.07878841459751129}],"sentiment":"neutral","sentiment_score":0.14741754294796425,"channel":0,"num_words":22,"start":1635.26,"end":1640.7201},{"sentences":[{"text":"Yep.","start":1640.37,"end":1640.69,"sentiment":"neutral","sentiment_score":0.029932517558336254},{"text":"Not beautiful.","start":1640.69,"end":1641.4299,"sentiment":"neutral","sentiment_score":-0.03795638121664524}],"sentiment":"neutral","sentiment_score":-0.015326748291651407,"channel":1,"num_words":3,"start":1640.37,"end":1641.4299},{"sentences":[{"text":"But this essentially outlines everything about who we are, what we do, and how we do it.","start":1642.015,"end":1645.9349,"sentiment":"neutral","sentiment_score":0.11032516465467565},{"text":"It has all my licensing information in there for you, and it also outlines all of our services that we provide in addition to super and insurances.","start":1645.9349,"end":1653.475,"sentiment":"neutral","sentiment_score":0.1158792315809815},{"text":"Okay?","start":1653.9349,"end":1654.4349,"sentiment":"neutral","sentiment_score":0.07220351696014404}],"sentiment":"neutral","sentiment_score":0.11281045708391402,"channel":0,"num_words":45,"start":1642.015,"end":1654.4349},{"sentences":[{"text":"Yep.","start":1653.995,"end":1654.495,"sentiment":"neutral","sentiment_score":0.1632969081401825}],"sentiment":"neutral","sentiment_score":0.1632969081401825,"channel":1,"num_words":1,"start":1653.995,"end":1654.495},{"sentences":[{"text":"Excellent.","start":1655.73,"end":1656.23,"sentiment":"positive","sentiment_score":0.4702681303024292},{"text":"The next document along is the ongoing service agreement.","start":1656.53,"end":1659.51,"sentiment":"neutral","sentiment_score":0.12982428405019972},{"text":"So, essentially, with this one here, you're on a current and sorry.","start":1659.65,"end":1663.75,"sentiment":"neutral","sentiment_score":0.08191254052023093},{"text":"A current fee arrangement of 1.65% that will continue for the next year.","start":1663.81,"end":1668.165,"sentiment":"neutral","sentiment_score":0.04787302475709181},{"text":"It just sort","start":1668.3251,"end":1668.805,"sentiment":"neutral","sentiment_score":0.05565456673502922}],"sentiment":"neutral","sentiment_score":0.08976184723800734,"channel":0,"num_words":38,"start":1655.73,"end":1668.805},{"sentences":[{"text":"Yep.","start":1668.69,"end":1669.19,"sentiment":"neutral","sentiment_score":0.06844086945056915}],"sentiment":"neutral","sentiment_score":0.06844086945056915,"channel":1,"num_words":1,"start":1668.69,"end":1669.19},{"sentences":[{"text":"of estimates the total fee payable.","start":1668.805,"end":1670.665,"sentiment":"neutral","sentiment_score":0.07084646572669347},{"text":"Essentially, I'll just get you to sign and return that one back for me just so we can keep providing our services to you.","start":1671.8451,"end":1677.305,"sentiment":"neutral","sentiment_score":0.13841052042941251},{"text":"For the advice that I'm gonna do for you now, it'll just incorporate the TBD.","start":1677.685,"end":1681.7051,"sentiment":"neutral","sentiment_score":0.12227611343065897},{"text":"I'll look at the last component for you to see how we can make that more cost effective for you with increasing your TBD 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anything?","start":1700.215,"end":1701.175,"sentiment":"neutral","sentiment_score":-0.04580965886513392},{"text":"Is there anything that you might need me to sort of focus on as well for you as part of that?","start":1701.175,"end":1705.515,"sentiment":"neutral","sentiment_score":-0.013978636247061547}],"sentiment":"neutral","sentiment_score":-0.017957514074320596,"channel":0,"num_words":24,"start":1700.215,"end":1705.515},{"sentences":[{"text":"No.","start":1705.6549,"end":1706.0549,"sentiment":"neutral","sentiment_score":-0.23757904767990112},{"text":"Just well, the main thing is just, yeah, making sure the safe is going in the wrong direction, 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that that growth environment suits you.","start":1723.905,"end":1731.525,"sentiment":"neutral","sentiment_score":0.10899297509229544},{"text":"It definitely suits you from where I'm standing, but just making sure it's within your comfort level there.","start":1731.745,"end":1736.485,"sentiment":"neutral","sentiment_score":0.1756881210539076}],"sentiment":"neutral","sentiment_score":0.18990381767175027,"channel":0,"num_words":56,"start":1719.33,"end":1736.485},{"sentences":[{"text":"Yep.","start":1736.785,"end":1737.285,"sentiment":"neutral","sentiment_score":0.013557786121964456}],"sentiment":"neutral","sentiment_score":0.013557786121964456,"channel":1,"num_words":1,"start":1736.785,"end":1737.285},{"sentences":[{"text":"The first one here is have you ever invested in, say, shares or managed funds in your own name before?","start":1736.87,"end":1742.7301,"sentiment":"neutral","sentiment_score":0.003309724573045969}],"sentiment":"neutral","sentiment_score":0.003309724573045969,"channel":0,"num_words":20,"start":1736.87,"end":1742.7301},{"sentences":[{"text":"Not.","start":1743.345,"end":1743.845,"sentiment":"neutral","sentiment_score":-0.17295493185520172}],"sentiment":"neutral","sentiment_score":-0.17295493185520172,"channel":1,"num_words":1,"start":1743.345,"end":1743.845},{"sentences":[{"text":"No.","start":1744.55,"end":1744.87,"sentiment":"neutral","sentiment_score":-0.21758341789245603},{"text":"That's okay.","start":1744.87,"end":1745.75,"sentiment":"neutral","sentiment_score":-0.10366003587841988},{"text":"I will just pop that there.","start":1745.75,"end":1747.03,"sentiment":"neutral","sentiment_score":0.03689748793840408},{"text":"Beautiful.","start":1747.03,"end":1747.53,"sentiment":"positive","sentiment_score":0.4996410310268402},{"text":"The next one here is essentially looking at how you might react if the market take a bit of a dip.","start":1748.31,"end":1753.015,"sentiment":"neutral","sentiment_score":-0.017364933022430966}],"sentiment":"neutral","sentiment_score":-0.0022110040149381084,"channel":0,"num_words":31,"start":1744.55,"end":1753.015},{"sentences":[{"text":"So we've seen a lot of volatility this year.","start":1753.015,"end":1755.435,"sentiment":"neutral","sentiment_score":-0.10894196149375704},{"text":"But if over the next six months the market fell by 20%, how do you think you might be feeling?","start":1755.495,"end":1760.475,"sentiment":"neutral","sentiment_score":-0.09148624986410141},{"text":"Do you think you maybe be wanting to put more money in, take advantage of the dip?","start":1760.615,"end":1764.57,"sentiment":"neutral","sentiment_score":-0.08907068476957433},{"text":"Are you likely to call us and see what we suggest you do, or are you feeling concerned and wanting to put the money into 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you as well as we get it out of the way for you to enjoy your day.","start":2211.33,"end":2216.3901,"sentiment":"positive","sentiment_score":0.566757693334862}],"sentiment":"positive","sentiment_score":0.5753542110323906,"channel":0,"num_words":28,"start":2211.01,"end":2216.3901},{"sentences":[{"text":"Yep.","start":2216.325,"end":2216.6448,"sentiment":"positive","sentiment_score":0.39975428581237793},{"text":"That'll be perfect.","start":2216.6448,"end":2217.625,"sentiment":"positive","sentiment_score":0.7159226536750793}],"sentiment":"positive","sentiment_score":0.636880561709404,"channel":1,"num_words":4,"start":2216.325,"end":2217.625},{"sentences":[{"text":"Beautiful.","start":2218.2102,"end":2218.7102,"sentiment":"positive","sentiment_score":0.7785348892211914},{"text":"Thank you so much for that, Adam.","start":2218.77,"end":2220.6301,"sentiment":"positive","sentiment_score":0.7875211324010577},{"text":"My colleague, Kayden, will give you a call next Tuesday 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They explain the process for accessing and investing in a portfolio, including removing old investments and looking at lower-cost portfolios. The speakers emphasize the importance of investing in the portfolio and reducing risk levels while maintaining a positive income stream. They also discuss retirement goals, budgeting and investment strategies, and offer insurance coverage and home equity benefits. The speakers emphasize the importance of avoiding tax consequences and maintaining a positive income stream while maintaining a positive lifestyle. They also discuss the benefits of a TBD benefit and the risk profile of a portfolio, and schedule a pre assessment and advice for the customer."},"intents":{"segments":[{"text":"I had to book in just to go to your annual review. Is now still a suitable time there for you? Yeah.","start_word":53,"end_word":74,"intents":[{"intent":"Book annual review","confidence_score":0.49738473}]},{"text":"And just to do a quick security check there with you as well just to confirm your full name, your date of birth, and address I should have on Yep. Adam, Leslie, Hissock, first of the second nineteen ninety three, and thirty Catherine Road, Colopy, Queensland file four six there. 80.","start_word":111,"end_word":161,"intents":[{"intent":"Confirm security check","confidence_score":0.053078346}]},{"text":"Thank you so much for that. Adam, as part of your annual review, I did email some documents to you. Are you able to access your email, sir, at the Yes. moment? Yep.","start_word":164,"end_word":196,"intents":[{"intent":"Send documents","confidence_score":0.10748048}]},{"text":"Not a problem at all. Just while we are kinda going through things, you're welcome to give me a bit of an idea as to what it is you're after with regard to the cash flow and budgeting. If I can help today, I can certainly provide you with some information. Yep.","start_word":301,"end_word":352,"intents":[{"intent":"Provide information","confidence_score":0.083954856}]},{"text":"Not a problem at all. Just while we are kinda going through things, you're welcome to give me a bit of an idea as to what it is you're after with regard to the cash flow and budgeting. If I can help today, I can certainly provide you with some information. Yep. Okay.","start_word":301,"end_word":353,"intents":[{"intent":"Provide assistance","confidence_score":0.26582837}]},{"text":"It kinda helps you to track it.","start_word":690,"end_word":696,"intents":[{"intent":"Track funds and budget","confidence_score":0.0021073155}]},{"text":"The other thing to sort of look at is when it comes to savings, if you are looking to save, as soon as you get paid to allocate a certain amount of money and to move that out straight away, that way that money is no longer sitting in your everyday account. So Yep.","start_word":698,"end_word":751,"intents":[{"intent":"Discuss savings","confidence_score":0.05505832},{"intent":"Make savings","confidence_score":0.04182623}]},{"text":"Once you've got your budget plan done, if you send it through to us, I'll even send you an email from my email today just so you've got that directly because Samantha's, unfortunately no longer with us here. So I'll get you to email back to me directly. And then I can Yep.","start_word":870,"end_word":922,"intents":[{"intent":"Obtain email","confidence_score":0.022463668}]},{"text":"Has that email popped through as Yes. of yet? It has.","start_word":967,"end_word":977,"intents":[{"intent":"Check email","confidence_score":0.0028578187}]},{"text":"I had a bit of a look at your portfolio prior to the call, and I can definitely see some changes I'd like to make to your portfolio.","start_word":1224,"end_word":1251,"intents":[{"intent":"Highlight portfolio changes","confidence_score":0.031776674}]},{"text":"This one here hasn't been performing as well as we'd like it to be. Now one of the reasons that along was placed in there, and up until this year, they've seen some really fantastic returns. However, with this year and with everything has been going on, they've also had some internal issues with their investments. So they're not really performing the way they'd like we'd like them to be. Yep.","start_word":1447,"end_word":1517,"intents":[{"intent":"Evaluate portfolio performance","confidence_score":0.27314386}]},{"text":"The other thing I sort of wanted to look at there now, I can see within that growth environment, you're still really young. You've got a lot of time ahead of you before accessing Super. We had it noted originally that you were looking at age 67, but then lastly, you kind of mentioned age 60 you'd like to essentially retire. Is that still your goal retirement age?","start_word":1835,"end_word":1902,"intents":[{"intent":"Discuss retirement plans","confidence_score":0.00040431344}]},{"text":"reducing the risk level significantly for you and also look at having you invested more conservatively so that you're producing income to help pay down your income stream payment status. So right now, it's about building, Yep. adding as much as we can into super, getting as much growth as we can out of super.","start_word":2167,"end_word":2221,"intents":[{"intent":"Optimize portfolio growth","confidence_score":0.0038917714}]},{"text":"So the same with your savings, but starting with a smaller amount, it can be as little as, you know, $20 a week or $50 a week or a fortnight. Yep.","start_word":2548,"end_word":2578,"intents":[{"intent":"Monitor savings","confidence_score":0.0015131074}]},{"text":"When we sort of think about the insurance aspect now as well, so looking at your insurances, that's kind of back on that first page that you have there. Yep.","start_word":2875,"end_word":2904,"intents":[{"intent":"Update insurance coverage","confidence_score":0.42107162}]},{"text":"Do you feel like that's fairly comfortable? Did you wanna kinda go back and review that level of cover, or do you feel that would be sufficient for your family if you passed away?","start_word":2963,"end_word":2996,"intents":[{"intent":"Review coverage level","confidence_score":0.34553185}]},{"text":"Well, that would clear all the debts and give them money. So, yeah, that would that yeah. That should be quite comfortable with that. Excellent.","start_word":2997,"end_word":3021,"intents":[{"intent":"Clear debt","confidence_score":0.53467774}]},{"text":"So that would give her a chance to either away. continue working or supplement your income or to take Probably. some time off and think about what she wants to do. Yeah.","start_word":3120,"end_word":3151,"intents":[{"intent":"Consider options","confidence_score":0.03617586}]},{"text":"With the TBD, now total permanent disability cover, you're covered for about $380,003.30 $3.99. So you do have less TBD than you Yep. do have life cover at the moment. Do you understand how TBD works and what that would cover or how it would Not pay out?","start_word":3156,"end_word":3203,"intents":[{"intent":"Understand coverage","confidence_score":0.012286128}]},{"text":"Both of those can help to minimize the tax, and there's some other fun things that we can do to help minimize those tax consequences for you. Yep.","start_word":3451,"end_word":3478,"intents":[{"intent":"Reduce tax impact","confidence_score":0.0016831112}]},{"text":"42 between your super and your CBD, are you comfortable with that level of cover? Did you wanna maybe talk more about your goals and look at reevaluating the CBD level? Yeah.","start_word":3593,"end_word":3624,"intents":[{"intent":"Evaluate coverage","confidence_score":0.011801879}]},{"text":"Did you wanna maybe talk more about your goals and look at reevaluating the CBD level? Yeah.","start_word":3607,"end_word":3623,"intents":[{"intent":"Discuss goals","confidence_score":0.07039953}]},{"text":"So when you think about income, would you want to cover your current income for a certain period of time, or would you say maybe half your income would be suitable? What would you wanna cover income wise? Maybe half because if the home loan was all clear, yeah, half of the income would be perfect. Beautiful.","start_word":3838,"end_word":3894,"intents":[{"intent":"Clarify income preferences","confidence_score":0.000038323036}]},{"text":"And is there a certain amount of years you'd be comfortable covering your income or that amount of income for? Mm-mm.","start_word":3895,"end_word":3915,"intents":[{"intent":"Clarify duration","confidence_score":0.00043679462}]},{"text":"So, realistically, you could look at maybe covering you up to the age of 60, or you could look at maybe five or ten years, or, you know, depending on if you've got I'm just double checking your circumstances. Sorry.","start_word":3930,"end_word":3969,"intents":[{"intent":"Cover income","confidence_score":0.42681888},{"intent":"Check situation","confidence_score":0.0042220573},{"intent":"Consider options","confidence_score":0.34611827}]},{"text":"Is there so I can look at that for you. So you're happy if I just look to boost your TPD up so that it, you know, clears your home loan in the event that something happens and then also covers half your current income for the next twenty years. Does that sound appropriate? Yeah.","start_word":4033,"end_word":4087,"intents":[{"intent":"Get assistance","confidence_score":0.0001440025}]},{"text":"So it covers you for short term disability. Based on your current income, I'm just checking the level for you.","start_word":4223,"end_word":4242,"intents":[{"intent":"Check level","confidence_score":0.16603586}]},{"text":"It's a pre so it's a gross benefit, pretax benefit amount as well.","start_word":4268,"end_word":4280,"intents":[{"intent":"Check benefit amount","confidence_score":0.031529445}]},{"text":"This one here just shows you how markets track over time and why we invest the way we do. I can.","start_word":4739,"end_word":4759,"intents":[{"intent":"Discuss investing strategy","confidence_score":0.0023707917}]},{"text":"And, honestly, it is about just sort of going through the ups and downs that we are seeing at the moment, but this sort of portfolio does suit your time horizon.","start_word":5054,"end_word":5084,"intents":[{"intent":"Discuss portfolio recommendations","confidence_score":0.027821831}]},{"text":"send through your budget plan to me, I'll talk to you more about what you're after with regard to the goals there. And Yep.","start_word":5412,"end_word":5435,"intents":[{"intent":"Streamline budget plan","confidence_score":0.0013972581}]},{"text":"The next one here is essentially looking at how you might react if the market take a bit of a dip. So we've seen a lot of volatility this year. But if over the next six months the market fell by 20%, how do you think you might be feeling?","start_word":5820,"end_word":5869,"intents":[{"intent":"Assess market sensitivity","confidence_score":0.00082694006}]},{"text":"I would evaluate to see if it's worth extension or if it's worth just yeah.","start_word":6237,"end_word":6251,"intents":[{"intent":"Evaluate property worth","confidence_score":0.016155431}]},{"text":"So we has she updated her driver's license and ID to reflect that change? Yes. Yes.","start_word":6541,"end_word":6556,"intents":[{"intent":"Update driver's license and id","confidence_score":0.5358314}]},{"text":"What I will probably do is I'll get someone to send out your beneficiary nominations because her name needs to reflect what her ID is just because if at the Yep. event that she was the claim and things didn't match up, it would make the claim a lot harder for her. So Yep.","start_word":6560,"end_word":6613,"intents":[{"intent":"Send beneficiary nominations","confidence_score":0.820758}]},{"text":"Are you happy for me to pre fill that information with all of her details that we have on file for you? Yeah.","start_word":6619,"end_word":6641,"intents":[{"intent":"Provide nomination details","confidence_score":0.003379124}]},{"text":"And her name is Amy Louise Hiscock now? Yes.","start_word":6655,"end_word":6663,"intents":[{"intent":"Provide name","confidence_score":0.0033995921},{"intent":"Provide confirmation of name","confidence_score":0.0012295047},{"intent":"Confirm id","confidence_score":0.0057532825}]},{"text":"You have it as a binding, non lapsing nomination, which is honestly great because you fill one format. You never have to fill it out again until you change your nomination. You also Yep.","start_word":6667,"end_word":6700,"intents":[{"intent":"Confirm nomination format","confidence_score":0.03601073}]},{"text":"Keep it bonding.","start_word":6731,"end_word":6733,"intents":[{"intent":"Confirm signature","confidence_score":0.011087392}]},{"text":"And have you guys talked about doing your will, power of attorney, and other estate planning documents since you got married?","start_word":6737,"end_word":6757,"intents":[{"intent":"Inquire about will and power of attorney","confidence_score":0.0158533}]},{"text":"I can Yep. email you through some information on doing it via the will kit through the post office, or every state has a public trustee that can also help you. So I can gather that information together for you if you like Yep. and send you just an email with an outline to sort of start the conversation. Yeah.","start_word":6794,"end_word":6853,"intents":[{"intent":"Provide email","confidence_score":0.006695109},{"intent":"Gather information","confidence_score":0.020552112}]},{"text":"That'd be perfect. Beautiful.","start_word":6854,"end_word":6857,"intents":[{"intent":"Provide confirmation","confidence_score":0.009586204}]},{"text":"Maybe a bit of traveling around Australia once we're at Travel. our age. Yeah.","start_word":6883,"end_word":6896,"intents":[{"intent":"Discuss travel plans","confidence_score":0.21563748}]},{"text":"The only other thing I just wanna do is to rebook you in for a day probably next week where my colleagues can go through just a pre assessment with you to assess the insurances that I'll do research on. Is Yep. there a day or time that suits you best normally?","start_word":6964,"end_word":7015,"intents":[{"intent":"Schedule appointment","confidence_score":0.107599854}]}]},"sentiments":{"segments":[{"text":"Hello? Hello? Hello? Hello? Hi, Adam. It's Dana from Okey Financial. How are you today?","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.15361717343330383},{"text":"Good.","start_word":15,"end_word":15,"sentiment":"positive","sentiment_score":0.3661840558052063},{"text":"Yourself? Sorry. I didn't realize the time and just missed you. No. That's absolutely fine. That's why I thought I'll give you another call just to see if you've missed the call or not.","start_word":16,"end_word":49,"sentiment":"neutral","sentiment_score":0.016558760777115822},{"text":"It's all good.","start_word":50,"end_word":52,"sentiment":"positive","sentiment_score":0.5957895517349243},{"text":"I had to book in just to go to your annual review. Is now still a suitable time there for you? Yeah.","start_word":53,"end_word":74,"sentiment":"neutral","sentiment_score":0.1446136087179184},{"text":"That's perfect. Fantastic.","start_word":75,"end_word":77,"sentiment":"positive","sentiment_score":0.5869767665863037},{"text":"Just before we jump into the call, just to let you know, we do record our calls for quality and training purposes.","start_word":78,"end_word":99,"sentiment":"neutral","sentiment_score":0.3114832639694214},{"text":"Are you happy for me to proceed with that?","start_word":100,"end_word":108,"sentiment":"positive","sentiment_score":0.3509152829647064},{"text":"Yep.","start_word":109,"end_word":109,"sentiment":"neutral","sentiment_score":0.2123626172542572},{"text":"Fantastic.","start_word":110,"end_word":110,"sentiment":"positive","sentiment_score":0.4369435906410218},{"text":"And just to do a quick security check there with you as well just to confirm your full name, your date of birth, and address I should have on Yep. Adam, Leslie, Hissock, first of the second nineteen ninety three, and thirty Catherine Road, Colopy, Queensland file four six there. 80. Yep.","start_word":111,"end_word":162,"sentiment":"neutral","sentiment_score":0.14095555245876312},{"text":"Beautiful. Thank you so much for that.","start_word":163,"end_word":169,"sentiment":"positive","sentiment_score":0.5397966504096985},{"text":"Adam, as part of your annual review, I did email some documents to you. Are you able to access your email, sir, at the Yes. moment? Yep. Yeah.","start_word":170,"end_word":197,"sentiment":"neutral","sentiment_score":0.15939311683177948},{"text":"Beautiful.","start_word":198,"end_word":198,"sentiment":"positive","sentiment_score":0.3802843987941742},{"text":"I'm just sending those through to you. Just sometimes it's easier that you can so you can look at them as I'm going through things. All Yep. good. I also noted here on your file that you wanted to also have a bit of a chat about cash flow and budgeting as well, and my colleague Samantha had emailed you the budget plan. Have you had a chance to complete and return that one as of yet? No. I haven't. But we'll just do the That's annual okay. review for now, and I'll book Yeah. in that financial review later. Yeah. Absolutely. Not a problem at all. Just while we are kinda going through things, you're welcome to give me a bit of an idea as to what it is you're after with regard to the cash flow and budgeting. If I can help today, I can certainly provide you with some information. Yep. Okay. If Yep. not, we can always come back and have that conversation down the track. How does that sound? Yeah. No.","start_word":199,"end_word":374,"sentiment":"neutral","sentiment_score":0.15847451294856993},{"text":"That sounds good. Yeah. Beautiful.","start_word":375,"end_word":379,"sentiment":"positive","sentiment_score":0.617081344127655},{"text":"When it sort of comes to your cash flow and budgeting, just all the emails coming through there, What sort of things are you after? What sort of help are you requiring at the moment? Just with the price of living, but just yeah. We've got the home loan, two cars, and I've just consolidated, like, a credit card and everything like that, couple personal loans into the one just to Yeah. bring it down to one smaller Yep. payment. No.","start_word":380,"end_word":460,"sentiment":"neutral","sentiment_score":0.06315836310386658},{"text":"Beautiful.","start_word":461,"end_word":461,"sentiment":"positive","sentiment_score":0.4510744512081146},{"text":"So I think I'm on the right track, but yeah.","start_word":462,"end_word":471,"sentiment":"neutral","sentiment_score":0.2969953715801239},{"text":"Yep. Excellent.","start_word":472,"end_word":473,"sentiment":"positive","sentiment_score":0.4752914011478424},{"text":"So you just sort of after having me look at your budget, look at where things are going just to sort of see if there's any leeway or alterations that could be made or whether you're sort of on the right track to having things paid off. Is that right? Yeah. That's correct. Yeah. So, Yeah. like, we we sort of do a budget ourselves, and when we look at it, it's we, you know, we should have this much left over by the end of the Yep. fortnight. But, yeah, obviously, all the little things add up, and then it just yeah. You lose track of it then. Yeah. Absolutely. When you sort of say you've got leftover cash, what are you sort of doing with that for those funds? Are you sort of putting them away anywhere particular to trust them, or are they just going on to the mortgage in the offset account? It's literally gone to everyday spending. Yeah. Okay. No. Definitely. Yep. Because one of the ways I sort of look at it is at the end of the week, if you have a little bit left over cash, if you have, you know, your offset account or your savings account, have you moved that money directly into that account? Yep. It kinda helps you to track it. The other thing to sort of look at is when it comes to savings, if you are looking to save, as soon as you get paid to allocate a certain amount of money and to move that out straight away, that way that money is no longer sitting in your everyday account.","start_word":474,"end_word":748,"sentiment":"neutral","sentiment_score":0.09788089036941527},{"text":"So Yep. starting off small often helps as well because we you know, things get on top of us, and bills come out of nowhere left, right, and center continuously.","start_word":749,"end_word":778,"sentiment":"positive","sentiment_score":0.4065436422824859},{"text":"Oh, yeah. So, you know, so even starting with something simple as $50 on a weekly basis, as soon as you get paid, moving that into a different savings account, like an online only account also helps because you have to go online to transfer the money back or even Yep. into your offset account there just so you can kinda track that.","start_word":779,"end_word":841,"sentiment":"neutral","sentiment_score":0.2798118591308594},{"text":"That does tend to help. And starting Yep. smaller and building on that as you get comfortable with, saving always works really well as well.","start_word":842,"end_word":866,"sentiment":"positive","sentiment_score":0.41452091932296753},{"text":"But, yeah, look. Once you've got your budget plan done, if you send it through to us, I'll even send you an email from my email today just so you've got that directly because Samantha's, unfortunately no longer with us here. So I'll get you to email back to me directly. And then I can Yep. touch base and have a chat about where money is going, where you could definitely make some savings or changes, or whether Yep. you're on track to kind of meet your goals there. Does that sound okay? Yeah. No.","start_word":867,"end_word":961,"sentiment":"neutral","sentiment_score":0.2185903787612915},{"text":"That sounds perfect. Fantastic. Excellent.","start_word":962,"end_word":966,"sentiment":"positive","sentiment_score":0.4353886842727661},{"text":"Has that email popped through as Yes. of yet? It has. Yep. Oh, legend.","start_word":967,"end_word":980,"sentiment":"neutral","sentiment_score":0.1513678878545761},{"text":"Excellent.","start_word":981,"end_word":981,"sentiment":"positive","sentiment_score":0.3787990212440491},{"text":"There we go. Now I'm just looking at mine as well.","start_word":982,"end_word":992,"sentiment":"neutral","sentiment_score":0.2059008777141571},{"text":"Beautiful.","start_word":993,"end_word":993,"sentiment":"positive","sentiment_score":0.4989595115184784},{"text":"So when you open the email there, it will just note down it's got a little button that says click here to sign.","start_word":994,"end_word":1016,"sentiment":"neutral","sentiment_score":0.20831091701984408},{"text":"We ask you to sign so you so click so you can move forward through the documents, but it will never ask you to sign anything you haven't read, and it's just allowing you to move through those documents to make it nice and easy there for you.","start_word":1017,"end_word":1064,"sentiment":"positive","sentiment_score":0.3436286151409149},{"text":"Okay. Yep.","start_word":1065,"end_word":1066,"sentiment":"neutral","sentiment_score":0.24628618359565735},{"text":"Excellent.","start_word":1067,"end_word":1067,"sentiment":"positive","sentiment_score":0.46007275581359863},{"text":"The first one there, when you do see it, will show you your summary of superannuation and insurances. Is that the one you're seeing there at the Yes. moment? Yep. That's the first part. Yep. Yep.","start_word":1068,"end_word":1103,"sentiment":"neutral","sentiment_score":0.1447787843644619},{"text":"Beautiful.","start_word":1104,"end_word":1104,"sentiment":"positive","sentiment_score":0.581755518913269},{"text":"So when I have a little bit of a look back at your super, the balance last year at this time, you were sitting at around about $228,004.59 and 63<unk> there. So Yep.","start_word":1105,"end_word":1138,"sentiment":"neutral","sentiment_score":0.19626060128211975},{"text":"as of the September 24, you're up to $262,319.58 there, which is fantastic. It's seeing some good additional growth there.","start_word":1139,"end_word":1158,"sentiment":"positive","sentiment_score":0.5847852826118469},{"text":"Yep. If you move forward to the next document, the next one is your internal rate of return. It's sort of showing you how the individual investments have performed. Yep. This year has definitely been a bit of an up and down year with Oh, everything yes. that's been It going has. on globally, so we have seen a lot of changes in the market conditions. I had a bit of a look at your portfolio prior to the call, and I can definitely see some changes I'd like to make to your portfolio. So whilst we have seen a lot of ups and downs here, you have still had a really good return. It is Yep. lower than where I would generally expect it Yep. to be. When we look at the entire portfolio, over the past twelve months, you're still up. You're up by 4.70%. That gives you total earnings plus growth of over $16,000 for the year. However, it is a bit lower than where I would like to see for your kind of portfolio in the environment you're in. Yep. Generally, when we have a growth portfolio, when we're looking at a conservative sort of risk profile rate of return, we're looking to achieve around about seven to 9% each year. So this particular year, you are down a little bit on where I'd like to be. Yep. So having a look at those investments, I can see some changes I definitely wanna look at making. With the if you're looking at the internal rate of return report there, the first page, you'll see the top investments of Van Alarm Australian Equities. Can you see that investment there? Yeah. I can. Yep. Yeah.","start_word":1159,"end_word":1445,"sentiment":"neutral","sentiment_score":0.0357525609433651},{"text":"Beautiful.","start_word":1446,"end_word":1446,"sentiment":"positive","sentiment_score":0.377686083316803},{"text":"This one here hasn't been performing as well as we'd like it to be.","start_word":1446,"end_word":1459,"sentiment":"negative","sentiment_score":-0.36647602915763855},{"text":"Now one of the reasons that along was placed in there, and up until this year, they've seen some really fantastic returns. However, with this year and with everything has been going on, they've also had some internal issues with their investments.","start_word":1460,"end_word":1501,"sentiment":"neutral","sentiment_score":-0.04369843006134033},{"text":"So they're not really performing the way they'd like we'd like them to be.","start_word":1502,"end_word":1515,"sentiment":"negative","sentiment_score":-0.41305139660835266},{"text":"Yep. The idea of having Ben along in there was they're an actively managed fund. So the investment manager is trying to take in time the market, and they're supposed to be trying to outperform against the market. Yep. One of the things with active managers is they don't always outperform against the market, but then along are having a few additional sorry, issues within their portfolio. So I do wanna remove them from there. What I wanted to find out from yourself was a bit more about how you'd like to see your super invested. Would you like me to look at replacing that with maybe another active manager, or do you feel like you'd like to have more of a lower cost portfolio and remove those active managers as as a whole? How would you like to see things invested in your super? Look. I don't know really too much about this. That's why I pay you guys to do it. So, Yeah. That's okay. That's definitely yeah, fine. as long as I'm making money on my super and not losing out is all I'm Yep. sort of chasing, really. Yeah. Absolutely. Well, what I can do, if you like, is I can have a look at the portfolios which incorporate some active management and some that don't. I can look at the capital gains cost for switching Yep. investments, look at how you invested now, look at, you know, how they've been performing in the past to see what kind of returns we can expect in the future, and also look at the fees. I'll see if I can find something lower cost and look at what's been performing greater and what provides a greater effect to you. Does that Yep. sound okay? Yeah. Yeah. No.","start_word":1516,"end_word":1814,"sentiment":"neutral","sentiment_score":0.03594015911221504},{"text":"That sounds perfect.","start_word":1815,"end_word":1817,"sentiment":"positive","sentiment_score":0.3397010564804077},{"text":"Yep.","start_word":1818,"end_word":1818,"sentiment":"neutral","sentiment_score":0.22071997821331024},{"text":"Fantastic.","start_word":1819,"end_word":1819,"sentiment":"positive","sentiment_score":0.5514190196990967},{"text":"I'll have a look at all those options for you. Not a problem at all. The other thing I sort of wanted to look at there now, I can see within that growth environment, you're still really young. You've got a lot of time ahead of you before accessing Super. We had it noted originally that you were looking at age 67, but then lastly, you kind of mentioned age 60 you'd like to essentially retire. Is that still your goal retirement age? The earlier, the better, really. Yeah. Absolutely. Yeah. Yeah. Yeah. Yeah. Yeah. No. That's the one. Age 60 is the earliest so long as you meet the condition of release and fully retire. That is the Yep. earliest we're allowed to currently. So I'll put that down as your goal for retirement. Is that Yeah. right? No. That would be perfect. Yep.","start_word":1820,"end_word":1964,"sentiment":"neutral","sentiment_score":0.0964888110756874},{"text":"Fantastic.","start_word":1965,"end_word":1965,"sentiment":"positive","sentiment_score":0.4783136248588562},{"text":"Yeah.","start_word":1966,"end_word":1966,"sentiment":"neutral","sentiment_score":0.022293202579021457},{"text":"I I don't love wanna that.","start_word":1967,"end_word":1972,"sentiment":"negative","sentiment_score":-0.3479958176612854},{"text":"be working till I'm 70 And four. no. I do agree with that. And in retirement, you were sorta estimating you'd like to live on around about 1,250 per week. Does that still sound appropriate? I know that could change when you actually get to those retirement years, Yeah. but is that still Around what you'd like the, me to focus on? Yeah. yeah, around then. Yeah. Around that because, yeah, all honestly, it all depends on price of living. If it's gonna Yeah. be Absolutely. through the roof, it's been forty years time or yeah. It's gonna be need to be more than that. Absolutely. Now one of the things I do like to sort of look at is at the moment, we're trying to build things as much as possible and focus on the goal you have currently. However, Yep. when you actually get to 59 or 60 and you ring me and go, Dana, I wanna retire. I'm done. We will actually look at what your expenditure looks like then. We'll probably do a budget plan to talk about what income you need to live on. We'll look at Yep.","start_word":1973,"end_word":2165,"sentiment":"neutral","sentiment_score":0.0221696924418211},{"text":"reducing the risk level significantly for you and also look at having you invested more conservatively so that you're producing income to help pay down your income stream payment status.","start_word":2166,"end_word":2195,"sentiment":"positive","sentiment_score":0.33459097146987915},{"text":"So right now, it's about building, Yep.","start_word":2196,"end_word":2202,"sentiment":"neutral","sentiment_score":0.3232998549938202},{"text":"adding as much as we can into super, getting as much growth as we can out of super.","start_word":2203,"end_word":2220,"sentiment":"positive","sentiment_score":0.5015316009521484},{"text":"And then when you get to retirement, we'll reassess what you actually need at that point, look at the longevity aspect, and look at how that affects you. Does that Yeah. make No. sense? That's that's perfect. Yeah.","start_word":2221,"end_word":2258,"sentiment":"neutral","sentiment_score":0.1534351408481598},{"text":"Yep. Fantastic. Love that.","start_word":2259,"end_word":2262,"sentiment":"positive","sentiment_score":0.5867539048194885},{"text":"Because I'd be wanting I've to put more back in, like, salary sacrifice myself, but until you until I see what the future's gonna plan with the way the economy's going, it's, yeah, I'd rather just keep every bit of money I can myself into my pocket. Yep. And that was probably the next question I was gonna talk to you about was the idea of salary sacrificing and or making additional contributions to super. It also comes down to what your expenditure looks like and whether you have some additional cash flow to start doing that with. But, realistically, as much as the markets are very up and down and we're seeing those heavy dips at the moment with the volatility, it is still a good time to keep invested. Essentially, they always say buy low, sell high. It is Yep. one of the hardest things to do, though, because when we see our super falling or we see a dip in the market, it doesn't make us feel good. But it is honestly the best time to keep investing and putting that money in because while the market takes a bit of a dip, that's because people have sold out of those investments. So those Yep. investments, when they take a dip, they're actually at a discounted rate. So putting your money in at that time when the sorry.","start_word":2263,"end_word":2493,"sentiment":"neutral","sentiment_score":0.0965951457619667},{"text":"When the market comes out and recovers, you actually see additional growth, and that can provide a greater boost to you long term.","start_word":2494,"end_word":2516,"sentiment":"positive","sentiment_score":0.3773142993450165},{"text":"But it's also a comfort level thing, and I tend to sort of start with people sorry. When we are looking at salary sacrificing, especially where there's Yep. volatility, starting smaller. So the same with your savings, but starting with a smaller amount, it can be as little as, you know, $20 a week or $50 a week or a fortnight. Yep. And then as you kinda get comfortable with that, then we build and grow and keep doing more and more and more. So it kinda works within your comfort Yep. level as well. But again, it's gotta be to your comfort zone. Are you happy just to hold off on sales back for the moment? Is that sort of where you're at? Yeah. Yep. Just with check. As I said, price of living, got two cars. It's costing a $180 each car to fill. Like, it's ridiculous at the moment. Yeah. No. That's And, absolutely yeah, putting fine. food on the table, the fortune side. There's a lot of yeah. Yep. There's a bit of security at the moment and once I've, yeah, work out a few things and, yeah, I'll go back to salary sacrificing. Yeah. That's absolutely fine. That's not a problem at all. Income wise, I had you on about a 176,000 per year. Is that roughly what you're still receiving? I think it's around at $1.83 now. $1.83.","start_word":2517,"end_word":2750,"sentiment":"neutral","sentiment_score":0.04966794387397603},{"text":"Beautiful.","start_word":2751,"end_word":2751,"sentiment":"positive","sentiment_score":0.357435941696167},{"text":"Yep.","start_word":2752,"end_word":2752,"sentiment":"neutral","sentiment_score":0.2662869691848755},{"text":"Excellent.","start_word":2753,"end_word":2753,"sentiment":"positive","sentiment_score":0.448166936635971},{"text":"And I think. Yeah. I just I haven't got I've got a payroll that's coming in there. I'll find yep. out more then, but I think it's about that $1.83. Yeah. Beautiful. Not a problem at all. I also had it down here that at the time, you were able to save, sorry, about 1,600 per fortnight, which is going into your offset account. Is that still where you're sort of seeing things, or is that definitely a lot lower? It's definitely a lot lower now. It's about, yeah, $8,900 into the offset, Okay. Beautiful. which And that's the offset her is fortnight every still? day every day I can, anyway. Yep.","start_word":2754,"end_word":2865,"sentiment":"neutral","sentiment_score":0.04640817642211914},{"text":"Beautiful.","start_word":2866,"end_word":2866,"sentiment":"positive","sentiment_score":0.35235387086868286},{"text":"Yep. There we go. Update that for you. When we sort of think about the insurance aspect now as well, so looking at your insurances, that's kind of back on that first page that you have there. Yep. In the event of passing, your life insurance you're covered for is about $673,356.90. So if in the event that you were to as an example, if you were to pass away today, essentially, with your super balance at $26,231.09 and your life insurance, your total life cover or the amount you're insured for is about $935,006.76. Yep. Do you feel like that's fairly comfortable? Did you wanna kinda go back and review that level of cover, or do you feel that would be sufficient for your family if you passed away? Well, that would clear all the debts and give them money. So, yeah, that would that yeah.","start_word":2867,"end_word":3013,"sentiment":"neutral","sentiment_score":0.06342163469110217},{"text":"That should be quite comfortable with that. Excellent.","start_word":3014,"end_word":3021,"sentiment":"positive","sentiment_score":0.42890316247940063},{"text":"With clearing the debt, how much do you have on the mortgage currently? $4.40? $4.40? Beautiful. Yep. There we go. So if you look at that and remove the 440,000, it still leaves about $495,006.76 and 48<unk>. Yep. And whilst you're on sort of a fairly high income without having that mortgage there, it does mean that your family could live on a lower income supplement, and that money could last them anywhere between sort of two to five years as a whole. Does your wife work as well? Yep. Yeah. She does. Yeah. Sixteen hours Yeah.","start_word":3022,"end_word":3120,"sentiment":"neutral","sentiment_score":0.052498988807201385},{"text":"Beautiful.","start_word":3120,"end_word":3121,"sentiment":"positive","sentiment_score":0.38104212284088135},{"text":"So that would give her a chance to either away. continue working or supplement your income or to take Probably. some time off and think about what she wants to do. Yeah. Yeah. Yep.","start_word":3121,"end_word":3155,"sentiment":"neutral","sentiment_score":0.05427899956703186},{"text":"Beautiful. Excellent.","start_word":3155,"end_word":3157,"sentiment":"positive","sentiment_score":0.4461793303489685},{"text":"With the TBD, now total permanent disability cover, you're covered for about $380,003.30 $3.99. So you do have less TBD than you Yep. do have life cover at the moment. Do you understand how TBD works and what that would cover or how it would Not pay out? a clue. Not a clue. No. That's absolutely fine. So TPD pays that either a lump sum benefit or an income stream in the event that you're unable to go back to work ever again due to permanent disability. With Yep. that, we can also claim permanent incapacity against your super so we could have both released. If Yep. it was a lump sum, you're currently insured for 642,718. Yep. Now the other thing I kind of like to point out is that with TBD, if you were to take that as a full lump sum and you claim TBD under the age of 60, it is unfortunately taxable.","start_word":3157,"end_word":3312,"sentiment":"neutral","sentiment_score":-0.04410270479722665},{"text":"So the government would tax up to 22% on that amount.","start_word":3313,"end_word":3323,"sentiment":"negative","sentiment_score":-0.4332157373428345},{"text":"So you actually don't receive what you are fully insured for. That's cool What if I don't.","start_word":3324,"end_word":3340,"sentiment":"neutral","sentiment_score":-0.23041029274463656},{"text":"I like to it's horrible, isn't it? I don't fully disagree with it. I think it's the last thing they should be taxing. Government just taxes more. That's it.","start_word":3341,"end_word":3369,"sentiment":"negative","sentiment_score":-0.4889639914035797},{"text":"That's it. What I like to sort of point out that is if you were TBD and we claimed on that TBD insurance, plus we claimed on your super, we talked to you about what you needed, whether you would, you know, wanna take a lump sum to pay your mortgage off or whether we keep that invested in your super and keep it working and draw income streams out on a lot a smaller basis to keep it working. Yep.","start_word":3370,"end_word":3450,"sentiment":"neutral","sentiment_score":0.09830070286989212},{"text":"Both of those can help to minimize the tax, and there's some other fun things that we can do to help minimize those tax consequences for you.","start_word":3451,"end_word":3477,"sentiment":"positive","sentiment_score":0.43750834465026855},{"text":"Yep. It's also important to note that the Yep. tax is up to 22%, so it could definitely be lower. They have a math equation that basically works at your age to the Yep. retirement age. They use 65 as a retirement age, and they kind of use that math calculation to work out what the actual taxable component would be for you. Yep. But we would definitely be able to do that equation with you and sorta help and look to minimize the tax there. The reason I kind of am going through that and explaining you so much is that just want to make sure with that level of cover, the $6. 42 between your super and your CBD, are you comfortable with that level of cover? Did you wanna maybe talk more about your goals and look at reevaluating the CBD level? Yeah. Possibly. Because, yeah, I don't think that would if I couldn't work the rest of my life, it's yeah. Yep. Wouldn't cover much at all. No. That's okay. One of the things I can see now your TBD, that's hub twenty four cover looks like I'm just actually going to go forward to have a look at the documents. Yeah. So it looks like it is with Hub twenty four. So what I'll do is after the call, I'll book you in for a pre assessment with one of my team members and colleagues. That'll go through a bit of a pre assessment with you just to kind of assess what level of cover we're able to obtain, what kind of contracts we have out there, and then we Yep. can make a recommendation and update the advice to reflect your needs and your goals with TBD, Yep. and go out there and do full research for you. Are you happy with that, Adam? Yeah. That'll be fine. Yep.","start_word":3478,"end_word":3791,"sentiment":"neutral","sentiment_score":0.10257856376991152},{"text":"Excellent. Beautiful.","start_word":3792,"end_word":3793,"sentiment":"positive","sentiment_score":0.6719878315925598},{"text":"Now when you think about TBD, if you were unable to ever go back to work again, what is it that you wanna actually have covered? Definitely clear the home loan. Yep. And, obviously, just that little income to help, really. Yep. Yep. So when you think about income, would you want to cover your current income for a certain period of time, or would you say maybe half your income would be suitable? What would you wanna cover income wise? Maybe half because if the home loan was all clear, yeah, half of the income would be perfect.","start_word":3794,"end_word":3892,"sentiment":"neutral","sentiment_score":0.04033273458480835},{"text":"Beautiful.","start_word":3893,"end_word":3893,"sentiment":"positive","sentiment_score":0.5518319606781006},{"text":"And is there a certain amount of years you'd be comfortable covering your income or that amount of income for? Mm-mm. I'm not sure It's on that a hard question. one. That's okay. Yeah. So, realistically, you could look at maybe covering you up to the age of 60, or you could look at maybe five or ten years, or, you know, depending on if you've got I'm just double checking your circumstances. Sorry. Two children. So or if, you know, wanted to cover your income up until maybe your youngest child turns 18 or something, there's also those options. What do you think would be comfortable for you for your goal for that? Yeah. Look. But oh, just roughly maybe twenty years. Twenty years? Yep. Beautiful. Yep. So half income for, say, twenty years.","start_word":3894,"end_word":4028,"sentiment":"neutral","sentiment_score":0.01848639694076997},{"text":"Beautiful. Excellent. Beautiful. Is there so I can look at that for you. So you're happy if I just look to boost your TPD up so that it, you know, clears your home loan in the event that something happens and then also covers half your current income for the next twenty years.","start_word":4029,"end_word":4081,"sentiment":"positive","sentiment_score":0.3748742341995239},{"text":"Does that sound appropriate? Yeah. That sounds yeah. Yep. Yeah.","start_word":4082,"end_word":4091,"sentiment":"neutral","sentiment_score":0.15421944856643677},{"text":"Beautiful. Fantastic.","start_word":4092,"end_word":4093,"sentiment":"positive","sentiment_score":0.5329270362854004},{"text":"Just without the air Did sitting down and thinking about it too much. Probably, you know, stop no. me That's absolutely. Would you also like me to look at maybe boosting up the life cover to the same level for you knowing that when we link life and TPD together, it can make the policy cheaper. Did you want me to look at those options as well? Yeah. Yep.","start_word":4094,"end_word":4162,"sentiment":"neutral","sentiment_score":0.14159955084323883},{"text":"Beautiful. To make cheaper. Excellent. Fantastic. I can look at that for you.","start_word":4163,"end_word":4175,"sentiment":"positive","sentiment_score":0.49178367853164673},{"text":"Not a problem. Now the other thing we do have here is your income protection policy, which can pay up to 70% of your pre disability income in the event that you're unable to ever go unable to go to work in a short term. Sorry. So it covers you for short term disability. Based on your current income, I'm just checking the level for you. It sort of shows here on the document that you're covered for a monthly benefit of up to $10,749.20 20<unk> as Yep. a monthly benefit. It's a pre so it's a gross benefit, pretax benefit amount as well. If we have a look at your current income based on a 183,012. It shows that you would need to be covered for about 10,675. So your income benefit is very well on track for that. It is slightly over insuring you only by, you know, less than a $100, essentially. Are you Yep. comfortable with leaving that at the level it is, or did you want me to try and look at bringing that back slightly for you? No. Just leave it at the cover it is. Yep.","start_word":4176,"end_word":4368,"sentiment":"neutral","sentiment_score":0.0884944686540668},{"text":"Beautiful. Yep. One of the things I do like about the way the policies are, they tend to sort of increase over time along with CPI as needed.","start_word":4369,"end_word":4396,"sentiment":"positive","sentiment_score":0.3507515788078308},{"text":"So the idea is that there's slight small increases over time, which can sorta help without going through underwriting, which is a positive. Yep. But it also means that if you get a smaller increase or maybe a bonus or something, that extra little bit of monthly benefit could support you. Okay. Yep. Yep.","start_word":4397,"end_word":4450,"sentiment":"neutral","sentiment_score":0.2767244279384613},{"text":"Excellent.","start_word":4451,"end_word":4451,"sentiment":"positive","sentiment_score":0.5225334167480469},{"text":"And you've just got a sixty day waiting period and a five year benefit period there. So it just means that if you're off work, you need to be off work for sixty days prior to submitting a claim, and then you can be on a claim for up to five years there as well, but you're fairly comfortable with that. Did you have any questions in relation to any of those? No. No. It's all good.","start_word":4452,"end_word":4528,"sentiment":"neutral","sentiment_score":0.1523633897304535},{"text":"Beautiful. Thank you so much for that.","start_word":4529,"end_word":4535,"sentiment":"positive","sentiment_score":0.5636193156242371},{"text":"Now there are other types of insurances. I'm sure others have sort of made mention to you. You can also have things like trauma, which pays out a lump sum benefit if you're diagnosed with a major traumatic condition like cancers, heart attack, strokes, and you can also get additional insurances for your children. These are called child trauma policies, which pay out lump sum benefits if one of your child children pass away and or are diagnosed with a major traumatic condition like cancer is probably one of the biggest ones. Did Yep. you wanna look at anything additional there? These are paid out of pocket as well, so it could, you know, overextend your cash flow depending on how things are tracking. But No.","start_word":4536,"end_word":4661,"sentiment":"neutral","sentiment_score":0.041266221553087234},{"text":"It's it's fine. happy Thank you. with that.","start_word":4662,"end_word":4669,"sentiment":"positive","sentiment_score":0.5090848207473755},{"text":"Yep.","start_word":4670,"end_word":4670,"sentiment":"neutral","sentiment_score":0.3032624125480652},{"text":"Beautiful.","start_word":4671,"end_word":4671,"sentiment":"positive","sentiment_score":0.5795510411262512},{"text":"If you ever had additional questions in relation to any of those, please let me know.","start_word":4672,"end_word":4687,"sentiment":"neutral","sentiment_score":0.22079116106033325},{"text":"I'm more than happy to talk you through and work out what your goals are with regard to them.","start_word":4688,"end_word":4706,"sentiment":"positive","sentiment_score":0.5646535158157349},{"text":"Yep.","start_word":4707,"end_word":4707,"sentiment":"neutral","sentiment_score":0.1544794738292694},{"text":"Beautiful.","start_word":4708,"end_word":4708,"sentiment":"positive","sentiment_score":0.33400318026542664},{"text":"The next document along is the 2026 Vanguard index chart. That's just after the internal rate of return report. Can you see that document there? Yes. Yes. Yeah.","start_word":4709,"end_word":4736,"sentiment":"neutral","sentiment_score":0.08586842566728592},{"text":"Beautiful.","start_word":4737,"end_word":4737,"sentiment":"positive","sentiment_score":0.3695487082004547},{"text":"This one here just shows you how markets track over time and why we invest the way we do. I can. Yep. So within your portfolio at the moment, you're in that growth environment. So it sees 80% of your super invested in growth assets, so things like Australian shares, international shares, listed property, and commodities like gold and silver. If you Yep. look at the top line there, which is The US shares, this is an example of a growth asset. Over time, it's just over the last thirty years, it's averaged about a 10.8% return, which is fantastic. It means that it's turned $10,000 thirty years ago into Yep. over 218,000. However, being invested in that time frame means we're going through the market ups and downs, and that's probably the scary part. That's the part that tends to make people very nervous. It's going through the ups and downs and Yep. staying invested. And that's why my job comes into play. If you're ever feeling nervous or concerned about what the markets are doing, please let me know. Market ups and downs are very normal. And being within that growth environment, we understand that there are expected negative returns. So within this sort of portfolio, we expect a negative return around about one in every six years. Sorry. One in every five years. My apologies. Yep. But it also kind of suits someone who has at least six years before they're accessing their super because they can go through those and downs before they're gonna draw those funds out. So this sort of environment still suits your time horizon. Is is there anything specific question wise or anything about the market that is coming to mind for yourself that might be concerning? Or No.","start_word":4738,"end_word":5034,"sentiment":"neutral","sentiment_score":-0.024644238874316216},{"text":"It's just the market's shit in general at the moment. That's about it's just hard.","start_word":5035,"end_word":5049,"sentiment":"negative","sentiment_score":-0.5180960297584534},{"text":"it. Yeah. Yeah. And, honestly, it is about just sort of going through the ups and downs that we are seeing at the moment, but this sort of portfolio does suit your time horizon. You've Yep. got more than that more than twenty years ahead of you before accessing your super at this point. Yep.","start_word":5050,"end_word":5104,"sentiment":"neutral","sentiment_score":0.07979598641395569},{"text":"And having more of those growth assets over the longer term does provide a greater level of return.","start_word":5105,"end_word":5122,"sentiment":"positive","sentiment_score":0.3655090928077698},{"text":"So it's about under it's about wanting to get as the best returns we possibly can, but taking on a level of risk that's comfortable with us there as well. So you are definitely in that right sort of space for your time Yep. horizon currently. Okay?","start_word":5123,"end_word":5169,"sentiment":"neutral","sentiment_score":0.24176493287086487},{"text":"Sounds beautiful. Excellent.","start_word":5170,"end_word":5172,"sentiment":"positive","sentiment_score":0.6488334536552429},{"text":"One of the things I'd like to sort of point out is when you actually get to the retirement years, we sort of talk about being more conservatively invested. So we tend to see less of those growth assets. You always wanna have some, but then we Yep. have more defensive assets. And defensive assets are things like cash, bonds, and fixed interest. If you have a look at the bottom of that page, the Australian bonds, that's one of these sorts of lower risk defensive investments. They get a lower rate of return. This has essentially turned 10,000 into $45 45,000, sorry, over the past thirty years. It's averaged Yep. about a 5.2% return. But in those retirement years, because you'll be drawing income out, we'll be more conservatively invested. So we'll have less of those growth assets and more income producing assets like cash and bonds, which will provide income over growth, which will be paid down to help with the money that you're gonna draw out on a regular basis. Does that make sense? Yep. And do you have any questions at all? Yep.","start_word":5173,"end_word":5359,"sentiment":"neutral","sentiment_score":0.12452588975429536},{"text":"Beautiful.","start_word":5360,"end_word":5360,"sentiment":"positive","sentiment_score":0.37235227227211},{"text":"If you go to the next document, the next one along is the Oakview Financial Services Guide. This one here outlines essentially all about our services. We do charge for additional services, but I sort of have that conversation with you depending on what you're after. When you Yep. send through your budget plan to me, I'll talk to you more about what you're after with regard to the goals there. And Yep. if you just ask a general advice, I can do that fully free of charge for you to help you along. Okay? Yep. Not beautiful. But this essentially outlines everything about who we are, what we do, and how we do it. It has all my licensing information in there for you, and it also outlines all of our services that we provide in addition to super and insurances. Okay? Yep.","start_word":5361,"end_word":5504,"sentiment":"neutral","sentiment_score":0.09829949292664726},{"text":"Excellent.","start_word":5505,"end_word":5505,"sentiment":"positive","sentiment_score":0.4702681303024292},{"text":"The next document along is the ongoing service agreement. So, essentially, with this one here, you're on a current and sorry. A current fee arrangement of 1.65% that will continue for the next year. It just sort Yep. of estimates the total fee payable. Essentially, I'll just get you to sign and return that one back for me just so we can keep providing our services to you. For the advice that I'm gonna do for you now, it'll just incorporate the TBD. I'll look at the last component for you to see how we can make that more cost effective for you with increasing your TBD benefit, Yep. Yep. and I'll look at adjusting your portfolio as well. I'll look at both active and passive management styles and look at how we can lower the cost of your portfolio and keep it working harder for you. That's Have beautiful. I missed anything? Is there anything that you might need me to sort of focus on as well for you as part of that? No. Just well, the main thing is just, yeah, making sure the safe is going in the wrong direction, really. Yeah. We we Absolutely.","start_word":5506,"end_word":5703,"sentiment":"neutral","sentiment_score":0.06463466584682465},{"text":"You will have worked a long time, so we wanna make sure you enjoy your retirement years. You've got a lifetime in retirement to look after. That's So fantastic. I love that.","start_word":5704,"end_word":5735,"sentiment":"positive","sentiment_score":0.494421899318695},{"text":"The only other thing I just wanted to sort of touch base on is just doing a really quick risk profile just to sort of make sure that that growth environment suits you. It definitely suits you from where I'm standing, but just making sure it's within your comfort level there. Yep. The first one here is have you ever invested in, say, shares or managed funds in your own name before? Not. No. That's okay. I will just pop that there.","start_word":5736,"end_word":5817,"sentiment":"neutral","sentiment_score":0.07494635525636556},{"text":"Beautiful.","start_word":5818,"end_word":5818,"sentiment":"positive","sentiment_score":0.4996410310268402},{"text":"The next one here is essentially looking at how you might react if the market take a bit of a dip. So we've seen a lot of volatility this year. But if over the next six months the market fell by 20%, how do you think you might be feeling? Do you think you maybe be wanting to put more money in, take advantage of the dip? Are you likely to call us and see what we suggest you do, or are you feeling concerned and wanting to put the money into cash? How do you think you might react? No. I probably rang you guys and yeah. Yep.","start_word":5819,"end_word":5927,"sentiment":"neutral","sentiment_score":-0.07712141424417496},{"text":"If Beautiful. you guys help with the decision. Excellent. Excellent.","start_word":5928,"end_word":5937,"sentiment":"positive","sentiment_score":0.4224204123020172},{"text":"The next one here, it says, how much risk do you feel comfortable taking? So when you think about your super, are you comfortable taking on a higher level of risk to try and get the a greater potential returns knowing that there is, you know, there is more possibility of a downturn and you have to you'll feel that downturn. Or are you comfortable with a moderate or medium amount of risk to get the best returns you can or not not comfortable taking any risk knowing the returns are lower? Where do you think you feel on that scale? No. Just keep it I'm pretty sure I'm high risk at the moment. Just keep it high risk Yep. while I'm still young and earning money. Absolutely. So I might Beautiful. as much as And I can. absolutely. And have you ever thought about borrowing to invest in shares or manage funds, or do you feel like that's too risky and only ever wanted to borrow for, say, cat property? Yeah. Just borrow from property and not really. For property? Yep. Beautiful. Excellent. And with your goals and things here, I had it noted that down the track, you're wanting to obviously pay off your home loan before you retire. Yep. Are you sort of wanting to look at building and buying additional properties or investing in any other way, or are you sorta happy just as, you know, working towards 60 and and living on super? What's your sorta other goals down the track? Look. Maybe down the track. We're looking at extending on the house for it now. If not, Yep. sell and buy something bigger. Yeah.","start_word":5938,"end_word":6217,"sentiment":"neutral","sentiment_score":-0.029756602897707905},{"text":"Beautiful.","start_word":6218,"end_word":6218,"sentiment":"positive","sentiment_score":0.5533627867698669},{"text":"Okay.","start_word":6219,"end_word":6219,"sentiment":"neutral","sentiment_score":0.32905346155166626},{"text":"Excellent.","start_word":6220,"end_word":6220,"sentiment":"positive","sentiment_score":0.6010866165161133},{"text":"And so you'd probably sell this current property property if that was the case? Yeah. I would evaluate to see if it's worth extension or if it's worth just yeah. If it's not sorry. If we're borrowing more than what the house is worth, if Absolutely. it's a sell and buy another house. Yeah. Absolutely. And what kind of value would you put on the property now do you think? I had 510 here last year. It's about 4 of 83 at the moment. Oh, beautiful. Yeah.","start_word":6221,"end_word":6307,"sentiment":"neutral","sentiment_score":0.027908913791179657},{"text":"Excellent.","start_word":6308,"end_word":6308,"sentiment":"positive","sentiment_score":0.4276905655860901},{"text":"I also had your car down with a value of 40,000. Would you keep or keep that the same or lower that slightly? I sold that car since the last review. So Yep. the new one out of the rear end, probably that 50 at the moment. Beautiful. What kind 50 of car 50 is it four. now? Ford Ranger. Oh, nice. They hold their value really nicely. Everyone wants a good Ford Ranger or a Toyota Hilux, so Yeah. Yep. well worth their money.","start_word":6309,"end_word":6393,"sentiment":"neutral","sentiment_score":0.09211532771587372},{"text":"Beautiful.","start_word":6394,"end_word":6394,"sentiment":"positive","sentiment_score":0.44259440898895264},{"text":"That's it. Yep. And we had down here that you had used the offset last year to be able to pay for the wedding. Have you managed to sort of build that up again since then? Or No. Not really. We're going, yeah, roughly paycheck to paycheck at the moment. Yeah. No. Completely understandable. The last thing I just wanted to double check there was with your beneficiaries and the state planning. So I can see here your beneficiary, you have a binding nomination, which is great, Yep. nominating, if anything happened, a 100% to Amy. Is that right? Yes. Yes. That's correct. Beautiful. Now Amy was your spouse or is your spouse. Sorry. Yep. I've got her surname here as Skelland. Is that still correct, or has she changed No. that It's since you got it's married? yeah. It's called. Yeah. Yep. Okay.","start_word":6395,"end_word":6538,"sentiment":"neutral","sentiment_score":0.03374055064179831},{"text":"Beautiful.","start_word":6539,"end_word":6539,"sentiment":"positive","sentiment_score":0.5243945717811584},{"text":"So we has she updated her driver's license and ID to reflect that change? Yes. Yes. Yep. Yep.","start_word":6540,"end_word":6557,"sentiment":"neutral","sentiment_score":0.1367420256137848},{"text":"Beautiful.","start_word":6558,"end_word":6558,"sentiment":"positive","sentiment_score":0.48016634583473206},{"text":"What I will probably do is I'll get someone to send out your beneficiary nominations because her name needs to reflect what her ID is just because if at the Yep. event that she was the claim and things didn't match up, it would make the claim a lot harder for her. So Yep. I will get that organized. Are you happy for me to pre fill that information with all of her details that we have on file for you? Yeah.","start_word":6559,"end_word":6640,"sentiment":"neutral","sentiment_score":0.07724084705114365},{"text":"That'd be perfect. You make it hell Beautiful. of a lot easier.","start_word":6641,"end_word":6652,"sentiment":"positive","sentiment_score":0.49904441833496094},{"text":"Absolutely. And her name is Amy Louise Hiscock now? Yes. That's correct.","start_word":6653,"end_word":6664,"sentiment":"neutral","sentiment_score":0.13159357011318207},{"text":"Beautiful. You have it as a binding, non lapsing nomination, which is honestly great because you fill one format. You never have to fill it out again until you change your nomination.","start_word":6665,"end_word":6696,"sentiment":"positive","sentiment_score":0.3809036910533905},{"text":"You also Yep. have the option of a binding lapsing, which means we have prefill the nomination out every year three years. Are you Yep. happy to keep it binding, non lapsing? Yeah. Keep it bonding. Yep. Yep. Beautiful. And have you guys talked about doing your will, power of attorney, and other estate planning documents since you got married? We have discussed it, but haven't really gone any further with that. But if you guys do all that, we'll be happy to do that. Beautiful. We don't because we're not solicitors, Yeah. That's but great. I can Yep. email you through some information on doing it via the will kit through the post office, or every state has a public trustee that can also help you. So I can gather that information together for you if you like Yep. and send you just an email with an outline to sort of start the conversation. Yeah.","start_word":6697,"end_word":6852,"sentiment":"neutral","sentiment_score":0.133654847741127},{"text":"That'd be perfect. Beautiful. Fantastic.","start_word":6853,"end_word":6857,"sentiment":"positive","sentiment_score":0.47504863142967224},{"text":"And is there any other goals that you might have down the track that you might be wanting to achieve as well? Not really. Maybe a bit of traveling around Australia once we're at Travel. our age. Yeah.","start_word":6858,"end_word":6895,"sentiment":"neutral","sentiment_score":0.12023352086544035},{"text":"Beautiful. Fantastic. Thank you so much for that.","start_word":6896,"end_word":6903,"sentiment":"positive","sentiment_score":0.5086858868598938},{"text":"So that's basically everything I needed to go through. I'll go back and do some research there for you. I'll send you an email with the information that we've gone through. Yep. And if you Yep. can just send the budget planner back, we can touch base and have a chat about that with you as well. Yep. Sorry. The only other thing I just wanna do is to rebook you in for a day probably next week where my colleagues can go through just a pre assessment with you to assess the insurances that I'll do research on. Is Yep. there a day or time that suits you best normally? Let me just have a look at the calendar. So next week, Yep. what are we now? The twenty ninth, so it'll be Yep. the October 9? Yeah. That's next Friday. Does Friday work best for you normally? Yeah. Yep. Yeah. That's okay. What if Is I was that to working pop it or is it, yeah, I can do yeah. Thursday? Thursday is perfect as well. Did you want for the morning or afternoon? Morning would be Yeah. Beautiful. Well, what if we pop it in there for, say, fine. 09:30 Queensland time next next Thursday, the eighth? No. Just Yep. double Perfect. checking. You're in Queensland, so we're on the same Yes. time zone.","start_word":6904,"end_word":7130,"sentiment":"neutral","sentiment_score":0.0731100692097836},{"text":"Beautiful.","start_word":7131,"end_word":7131,"sentiment":"positive","sentiment_score":0.4088724851608277},{"text":"Yep.","start_word":7132,"end_word":7132,"sentiment":"neutral","sentiment_score":0.26708507537841797},{"text":"Lovely.","start_word":7133,"end_word":7133,"sentiment":"positive","sentiment_score":0.4720293879508972},{"text":"And my team wants to give you a call just a bit of an in-depth questionnaire around your health and your work life and things like that just so I Yep. can understand what kind of insurance contracts might be on offer for you, Yep. and then I'll be able to update the recommendations there for you to reflect. Okay? Yep.","start_word":7134,"end_word":7194,"sentiment":"neutral","sentiment_score":0.1731667518615723},{"text":"Perfect. Beautiful. Look. Thank you so much for your time today, Adam. Feel free to take a look through any of your documents once you're happy to start and return them back.","start_word":7195,"end_word":7226,"sentiment":"positive","sentiment_score":0.4585031867027282},{"text":"I'll get you to do so, Yep. and I'll get stuck into the resets there for you. No.","start_word":7227,"end_word":7244,"sentiment":"neutral","sentiment_score":0.2959277331829071},{"text":"Thank you, Donna. Appreciate it. No problem at all.","start_word":7245,"end_word":7253,"sentiment":"positive","sentiment_score":0.47062310576438904},{"text":"I'm also just gonna quickly book you in just to have your advice presentation a few weeks after that. So if we do your pre assessment next week, we could then provide the advice, say, two weeks after that. Would Thursday, the twenty second, be okay for that one as well? Let me have a look. Sorry. You're fine. Sorry. I'm going a bit ahead. Yeah.","start_word":7254,"end_word":7319,"sentiment":"neutral","sentiment_score":0.13014047209060553},{"text":"That'll be perfect. Beautiful. And I could do 09:30 in the morning then for you as well as we get it out of the way for you to enjoy your day. Yep. That'll be perfect. Beautiful. Thank you so much for that, Adam. My colleague, Kayden, will give you a call next Tuesday sorry.","start_word":7320,"end_word":7373,"sentiment":"positive","sentiment_score":0.5781233906745911},{"text":"Next Yeah. Thursday to go to the pre assessment, and I'll get stuck into the research in the meantime there for you, and I'll get that email out to you. So if you find there's anything additional, you please let me know. Yep. Okay?","start_word":7374,"end_word":7417,"sentiment":"neutral","sentiment_score":0.25122278928756714},{"text":"Well done, Diana. Thank you very much for that. I'll sign this form and get it back to you. Fantastic. Thank you so much for your time today. Enjoy your day. Same to you, Donna. See Thanks. you. See you later.","start_word":7418,"end_word":7458,"sentiment":"positive","sentiment_score":0.6645755767822266},{"text":"Bye.","start_word":7459,"end_word":7459,"sentiment":"neutral","sentiment_score":0.23699037730693817}],"average":{"sentiment":"neutral","sentiment_score":0.1040429782278861}}}}