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Is now still a good time there for you? Fantastic. And how's your day been so far? Oh, fantastic. Jenny, 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 this is a security day with you as well. We are discussing your personal information. So I just need to confirm your full name, your date of birth, and address I should have on file. Yeah. No. You're right. Yes. Oh, I had a different number here. 13. That's okay. I can update that for you. I had eleven. I had a eleven? I'm so sorry. No. That's oh, that's honestly okay. I hope today is have a good day for you. Just one of those afternoons. No. Honest it's not a problem at all there, Jenny. Excellent. Thank you so much for that. Now as part of the annual review, we do send through some documents to you just to kinda go through the things that we are discussing today. Do you have access to your emails? If you don't, that's okay. That's okay. No. That's okay. You're absolutely fine. I've just sent through an email to you, sir. Hopefully, when you log in there, you should see it come from Odoo sign. Beautiful. Yay. You're right. Yeah. Gotta love technology when it wants to work. Yep. Beautiful. Lovely. Now before we jump into going through your review as such, is there anything particular you wanna be to touch base on or any questions that you might have for me today? No. That's okay. Not a problem at all. Well, I'll start by just sort of going through and giving you an update on your super debt. It's probably the ones that you're interested in looking at. When you open that email there, you will see I have got some attachments at the very bottom. That does include the asset performance report and your super balance. The summary of your superannuation and insurances there as well. Okay? Beautiful. Now having a bit of a look at things. So when we completed your last annual review, that was about February last year. So your balance then was about a $169,007.75 and 82¢. Your balance as of the June 12, which is when we prepped the documents there for you, is up to a 173,810 and 38¢. So it is definitely an increase on last year, albeit a much smaller increase. A lot of what we have seen over the past few months with Iran and Trump in The US has seen a lot of volatility in the market, so that means that this year we have expected and had, unfortunately, a much lower rate of return, and some super funds are experiencing a negative return at the moment, but we wanna sort of see if they could come out from that as well. Okay? Sorry. To give you an update, so the return, as I've kinda mentioned, has been quite low. We actually, for the last twelve months, seen a negative return. So negative of 1.04%. So just under a 1% return there, negative 1% return there for the year, which isn't great. As I kinda mentioned, it's we've got a lot to do with the volatility we have seen early this year between Iran and The US, but it's also because one of your investments was underperforming a little bit as well. So early this year, you originally and used to have the Benelon Australian equities in your in your portfolio, and that was more of an actively managed investment. Do you remember seeing an email come through probably around about March? It would've stated record of advice. If you don't, that's okay. No. That's okay. It's not a problem at all. So, essentially, that email was sent out in March. And because one of your underlying investments is underperforming significantly, we also made a decision to remove that. That investment wasn't doing really well. They had some underlying issues. So if you and our investment committee made a decision to remove that from your portfolio completely. So we removed the Banda Long Australian Equities investment, removed the underperforming investment for you, and we've reinvested those funds in what's called the beta shares a 200. Now that investment is essentially giving you greater diversification. So one of the biggest things between the two investments was Benelon as an active manager Generally held about 15 to 20 different investments in their investment option there, whereas the BetaShares a 200 is giving you exposure to the top 200 companies on the ASX. So it's giving you a greater level of exposure, and this investment has seen a greater return, hasn't had the underlying issues that that been a long investment did have early this year. So we wanted to take that action nice and quick for you, remove that. We have seen enough volatility with what was going on. You didn't need underperforming investments as well. So we did send that advice document through and updated this one for you as well. Okay? Beautiful. Now because you have seen that negative return over the past twelve months there, I did also just pull up a report to have a look at what's been happening since we made that change for you. So since we removed that along out over the last four weeks, the last one month, your portfolio has made a positive 2.95% return. It's net of fees. So since making that switch there, we can see your portfolio recovering out a little bit, and that's really important. We wanna keep monitoring that moving forward. Does that make sense? And do you have any questions? No. No problem, Lidore. I never wanna hide when portfolios are not working or when there is volatility and a negative return. I'd rather explain and be open and honest to you. We all know investments do go up and down. There are years of a lower return or a negative return, and it's about taking advantage of those times. So whilst there is a low return at the moment, the volatility we are seeing, essentially, with your contributions going in, we can take advantage of those downtime. And if your portfolio comes out and recovers, it does mean that you'll get some really good growth coming out of that. Does that make sense? Yeah. Beautiful. Beautiful. That's okay. But it is really good to see that 2.95% to 10 net as a positive for the last one month. So I think with what's happening overseas, a lot of that was sort of factored into the market early on this year, and we are sort of seeing a little bit more of a recovery point from that. I know I'm definitely hearing less and less of it, and, yeah, the market doesn't seem to be as concerned about what's going on there at the moment. So we'll just keep monitoring things moving forward, seeing how everything's going. I would like to maybe do a bit of a catch up with you in maybe the next three or six months depending on what your preference is just to sort of see how your portfolio is going. Would you like to catch up in three or six months? What's your preference? Six months. Yep. Not a problem at all. Beautiful. Not a lot happens in the three months mark, so that's absolutely fine. We'll do six months, and we'll see how things are tracking for you and if any further changes need to come out of that for you. Okay? Beautiful. Fantastic. Do you have any other questions in relation to your soup or anything that's kinda come out of that little bit of the conversation at all? You're welcome to ask me anything you like. No? That's okay. Excellent. Fantastic. Now I did also go back and have a bit of a look at your original advice document there as well and sorta had noted that the projected outcome about five years from when you came on board, which was around 2020, they're expecting to have about a $168,005.89 in your account there. So as of last year, we definitely hit that five five year projected mark, which does mean it is good. You are tracking quite nicely, and we'll just keep monitoring things moving forward. Okay? Fantastic. Now the other documents in there we do have on the summaries of renovation insurances is your insurance information. So having a look there, you do have some insurances through Neos Life, and you've got some life cover with a current son insured of 210,720. Life obviously pays out a lump sum benefit to your beneficiaries in the event that you were to pass away. Touchwood, nothing happens. In the event of passing, your super balance is also paid out to your beneficiaries there. With your goal and the life cover, exactly, was there anything particular you wanted to have covered or paid off, or is it just having the amount paid out to your beneficiaries to allow them to to grieve and take time? What was it that you were wanting your life cover to to do? I love that. Yep. That's absolutely fine. Fantastic. With the mortgage, I do have a note here that your the value on your property was about 800,000 last time we called up. What sort of value would you put on the property now, do you think? Yep. Okay. Beautiful. Oh, beautiful. Fantastic. Excellent. An apartment purchase. And what's the value would you put on the on the apartment? 420,000. Beautiful. And are you renting that out as well? Or yep. Okay. Okay. Okay. Oh, fair enough. Fair enough. It's like having your own home in two locations, having to rent or get accommodation all the time. Absolutely. Yeah. No. Fantastic. And so do you have a mortgage on both properties, the technical unit as well as your main primary residence or just a loan on one skip? Oh, fantastic. And how much do you have owing on that one at the moment? Yep. No. That's okay. I can just put an approximate. That's absolutely fine. Not a problem at all. So, realistically, depending on sort of how things went with your life cover there, with your life benefit paid at and your super balance there, you know, the that can be paid out to your beneficiaries. They could look to sell the unit and all the other property and then split the difference between the two of them. There's a few different things that could definitely happen there. But with your life benefit, are you fairly comfortable with that level? Did you wanna look at reviewing that amount at all? Or no? Fantastic. Excellent. Now the other thing you do have is total permit disability, which pays out a lump sum benefit or an income stream in the event that you're unable to ever go back to work again due to permanent incapacity. A lot of people aren't aware, but TBD, unfortunately, if you're 60 and claim on it is actually a taxable payment, I don't like that. I don't think the government should be taxing people who are are permanently unable to go back to work. But, unfortunately, on a lump sum payment or even an income stream, depending on how much you draw down and your age of drawing it down, they capped it up to 22%. So it is quite a high tax, unfortunately. In the event it's horrible. It's awful. In the event of, say, claiming on that, we would obviously help provide financial advice on how to limit the tax, how to draw down, keep the money working harder for you as well. So we would look to help limit that as much as possible, but it does mean that the amount that you are essentially insured for, you're not guaranteed to receive that exact amount if you do claim and draw it down. In saying that, if you did wanna increase the factoring the the tax side of things, it does increase the cost of the premiums as well. So it is one thing one thing to sort of consider. Just wanting to double check there. Are you fairly happy having the same level of of TBD as you have live? Or Yep. Yeah. No. Definitely. And, look, if you did wanna keep that longer than 60, realistically, you don't have to keep insurances longer than the age of 60. If you don't want to, these do stay in place. They do expire eventually, but you can keep them for a bit a couple more years. We can just review them each year, see how you're going, what they look like, and then, you know, when and if you decide you no longer want them, they're not valid anymore, then we can always look to cancel them. But, yeah, for the moment, there's nothing wrong with it. If you do keep PCED and you claim after 60, that is fully tax free. So just you know, you are very close to that mark where if you claimed on CBD, you get the whole amount. All good. Excellent. Now the other thing I do have here is your income protection benefit. So income protection pays out a monthly benefit in the event that you're off work in the short term due to illness or injury. The monthly benefit you have at the moment here is about $5,001.82. It's a pretax benefit because you do pay tax on this the same as you do your income. And you have a four week waiting period and a two year benefit period. Do you understand how the waiting periods and benefit periods work? Did you want me to kinda go to those in detail for you? Or yeah. So our waiting period is how long you have to wait prior to making a claim. So with a four week waiting period, you've gotta be off work for four weeks before they'll accept the claim. And then it generally takes another sort of four weeks to receive the payment, so you technically don't receive it for about two months. And it's two year benefit, Harry. You're exactly spot on there. The benefit can be paid for up to two years. At that two year mark, if you still can't go back to work, they stop paying the benefit, and then we gotta look at other ways, maybe accessing super or, you know, trying to get you back to work or Centrelink or savings or some other way of covering the cost, essentially. But yeah. Yeah. Beautiful. Yeah. With your income at the moment, I don't have a figure here currently. I believe last year, we had a income figure, sorry, of about 80,000, 111. Has your income increased on that this year? That's okay. $108.09 4. Beautiful. Lovely. So if we're looking at that, to cover yourself for up to 70% of your current income, you'd roughly need to have a monthly benefit of that 5,885. So you're only just a little bit underinsured based on that at the moment. Are you happy with the income protection level you have? Did you wanna look at increasing that at all to cover the little bit of the gap, or what's your thoughts there? Yes. So we can get a quote to show you what the cost might be. Admittedly, the increase, and it does mean the cost is gonna go up a little bit. At the moment, you did this year, the cost of the insurance was $7,641.16. It's looking at a super. So if you like, I can always obtain a increased quote to show you what the expected premium might look like. And then I'd probably just get one of my team to do another quick pre assessment with you just to make sure there's no changes to your health, and then we can kinda go from there. But if you want, we can start simple. I can just get a quote, obtain that, email it through to you so you can see what the cost might look like to increase the income protection, and then we can kind of decide if you wanna proceed with that or if you're happy to keep it as it is. Does that sound okay? Yep. Beautiful. Lovely. I'll organize that straight after the call for you. It's not a problem at all. Fantastic. Now I don't know if anyone has kind of brought up before, but there are other types of insurance that you can hold. I know we can essentially ensure everything to the health the way we are these days. But there are other types of personal insurance like trauma, which can pay out a lump sum tax free benefit if you were diagnosed, say, cancer, Parkinson's, had a heart attack or stroke. So it's a major diagnosis or a major major event. Did you wanna look at getting any additional kind of insurances, or are you fairly happy with what what you've got here at the moment? Yep. That's absolutely fine. Yeah. No. Not a problem at all. And it did mention that you've got kids there as well. I've got them if you don't have any financial dependents. Are your kids technically 18, technically financial dependents, or are they all old and older and self reliant? Yep. Beautiful. Lovely. Lovely. Excellent. And I can also see on the bottom here that you have a will. It was done up about 16 ago, but it is fairly accurate to your circumstances. Is that correct? Have to get updated? No. Updated. Not a problem. Do you have a local solicitor that you use to have your will updated? Yep. Yep. No. Not a problem at all. Fantastic. It is definitely worth updating every couple of years, and our circumstances can very much change. I do also have your beneficiaries nominated on file here as well. So we do have on your super I believe it is Georgina and Daniel to receive 50% of your super benefit each. Is that how you wanted your super paid out? You're comfortable with that one? Yep. Beautiful. Fantastic. I'm just having a quick look to see if I can see what's on your insurance policy there as well. It doesn't look like it gives me the beneficiary nominated, but I can go back and just quickly grab the beneficiary form. I do apologize. Benefit. There we go. Okay. And so on your life insurance benefit, I had it noted here that you wanted 50% to go to Joseph, so that's your husband. And then I've also got 25% each to be paid to Georgina and Daniel. Is that still comfortable for you? Yes. Beautiful. Fantastic. Just making sure that's all up to date and accurate. Lovely. I also have other assets noted here. Your car, you've got a Mazda. Last time we all caught up, we had an asset value about 9,000. What sort of value would you put on the car now? Do you think what's the value with it to you? That's 4? Beautiful. And you own the car outright? Yep. Fantastic. And do you have any other assets or liabilities you'd note down? Any other cars, boats, caravans, or collections? No. That's okay. Fantastic. And I've got your husband, Joseph, down as your next of kin there. I just need to update the file and grab a contact number for him. Could I grab that off you? Yep. Yep. 167. Beautiful. Thank you so much for that. Having a look, now the looking goals wise for you with where we were sort of tracking, I know things could definitely have changed since you came on board originally, but we haven't noticed that you were hoping to access super around about the age 67. Looking forward, what age are you sort of hoping to be able to retire and access your super? Yep. No. That's understandable. And you're 59 in November this year. Yeah. Beautiful. Well, not a problem. And if you're happy with that, I can still leave age 67 as the access point there for you. Just so you are fully aware, though, you can actually retire at age 60 if you choose to fully retire and stop working. They do allow you to access your fees at that point. Alternatively, at age 65, you can then start growing your income or taking lump sums regardless of whether you're working or not. You don't really have to wait till 67. It's more just what we're tracking forward with go wise to yourself. But do you think you'd be working to 67, or do you think you probably wanna retire a bit earlier? Yep. That's okay. No. That's okay. Not a problem at all. And I can see with your contributions, there's no additional contributions going in this sort of employer paid. Are you wanting to make additional contributions to Boost Super even more, or you're just finding it's not really preferable right now? Nope. That's okay. Not a problem at all. If you ever did want to, please let us know. We are happy to update the advice and reflect that. When you do reach the age of 60, there are some other really cool strategies we can put in place as well where we can increase contributions, but we can also access a little bit of super to keep your take home pay relatively the same as well. So if you're wanting to, when we get closer to 60, we can always have that conversation and talk through some different strategies and maybe update the advice to see where we can boost on your super if you like. Yeah. Fantastic. Excellent. And do you have any other goals that you're looking to achieve over the next sort of one, two, five, or ten years aside from, you know, accessing sick from retirement? Nope. That's okay. Are you hoping to have the the like, the unit's mortgage paid down by retirement, or do you think you'll probably sell that? What's the long term plan for the unit? No. Probably sell it. Yes. That's okay. Absolutely fine. Yeah. That's alright. See what life throws at you. Hey. No. Not a problem at all. That's absolutely fantastic. So as I kinda mentioned, you've got that email there that does have all the documents attached that we do have there. So your superannuation insurance summary, the asset performance report there for you as well. We've also got a certificate of currency for your nearest insurance policy. I'll go back and get an increased quote and email that through to you so you can let me know whether you wanna go ahead and look to increase that or whether you're happy just to keep the premiums as they are. I'll add a little bit of information detail into that email for you as well. And if you find you have additional questions, just come back and let me know. Okay? With with the changes we have just made to your portfolio, I'd be inclined not to make any additional switches or alter the investments right now. I think just letting them kind of go through what we're seeing at the moment, and we maybe review that in that six months. Are you comfortable with that? Yep. Beautiful. Excellent. And we've also got attached to that email there, the ongoing service agreement. So if you're happy with how things are going and once they onboard as our client for the next twelve months, I just ask that you sign and return that back just to kind of make sure that we are disclosing everything to you. You do pay an ongoing service fee for having us as your advisers. It is 1.65 percent per annum, and it's deducted in smaller monthly increments that you're through for there. So, essentially, with the ongoing service fee, when the market is performing really well, the fee does increase a little bit with it. However, when the market does take a bit of a dip as it is a percentage based fee, it dives with the market as well. So it's about making sure that our fee is fluctuating along with your portfolio and the market as a whole. Does that make sense? Do you have any questions in relation to that? Yeah. Yep. Beautiful. All good. You've also got the financial services guide attached in our overview guide, which has all the information on myself, my licensing information as an adviser, and all the other details that I see you as well. So if there is anything that you ever have, let me know. I'm more than happy to make time to have a chat. I'll get cracking on this quote for you to get that organized. Oh, and the only other thing I have to let you know is that updating another form of tax there is the tax file opt in form. So we do hold your tax file number. It's important that we do do so because we help set up your super and your life insurances. But that document is just outlining the reasoning of why and how we hold your tax file number, and we are very security conscious. So we are just getting that form updated. So you will see that attached there. I just want to make sure that I go through that with you and explain that we're not gonna disclose it to anyone. It's just we have to hold it because of your safe and your life cover, and we just wanna make sure that you're aware of the information we hold, and it goes through that detail for you on the form. Okay? Beautiful. Legend. Thank you so much, Jenny. Do you have any questions? I know I go through a lot, and I'm so sorry. Is there anything you wanted to ask me or anything I may have missed? Or no. Beautiful. No worries. We'll all get that quote through, and then we can kinda go from there for you. Okay? My pleasure. Hope you have a lovely afternoon and a great weekend ahead. We're Tuesday now, but the weekend is not far off. My pleasure. Enjoy your afternoon, Jenny. It was a pleasure talking to you. I'll get cracking on this quote for you and get an email to you shortly. You too. Thank you. See you later. 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Jenny. This is Dana from Financial. How are you this afternoon? Yeah. Very well.\n\nThank you. Thanks for asking. I had you booked in to go through your annual review today. Is now still a good time there for you? Fantastic.\n\nAnd how's your day been so far? Oh, fantastic. Jenny, 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.\n\nAnd this is a security day with you as well. We are discussing your personal information. So I just need to confirm your full name, your date of birth, and address I should have on file. Yeah. No.\n\nYou're right. Yes. Oh, I had a different number here. 13. That's okay.\n\nI can update that for you. I had eleven. I had a eleven? I'm so sorry. No.\n\nThat's oh, that's honestly okay. I hope today is have a good day for you. Just one of those afternoons. No. Honest it's not a problem at all there, Jenny.\n\nExcellent. Thank you so much for that. Now as part of the annual review, we do send through some documents to you just to kinda go through the things that we are discussing today. Do you have access to your emails? If you don't, that's okay.\n\nThat's okay. No. That's okay. You're absolutely fine. I've just sent through an email to you, sir.\n\nHopefully, when you log in there, you should see it come from Odoo sign. Beautiful. Yay. You're right. Yeah.\n\nGotta love technology when it wants to work. Yep. Beautiful. Lovely. Now before we jump into going through your review as such, is there anything particular you wanna be to touch base on or any questions that you might have for me today?\n\nNo. That's okay. Not a problem at all. Well, I'll start by just sort of going through and giving you an update on your super debt. It's probably the ones that you're interested in looking at.\n\nWhen you open that email there, you will see I have got some attachments at the very bottom. That does include the asset performance report and your super balance. The summary of your superannuation and insurances there as well. Okay? Beautiful.\n\nNow having a bit of a look at things. So when we completed your last annual review, that was about February last year. So your balance then was about a $169,007.75 and 82¢. Your balance as of the June 12, which is when we prepped the documents there for you, is up to a 173,810 and 38¢. So it is definitely an increase on last year, albeit a much smaller increase.\n\nA lot of what we have seen over the past few months with Iran and Trump in The US has seen a lot of volatility in the market, so that means that this year we have expected and had, unfortunately, a much lower rate of return, and some super funds are experiencing a negative return at the moment, but we wanna sort of see if they could come out from that as well. Okay? Sorry. To give you an update, so the return, as I've kinda mentioned, has been quite low. We actually, for the last twelve months, seen a negative return.\n\nSo negative of 1.04%. So just under a 1% return there, negative 1% return there for the year, which isn't great. As I kinda mentioned, it's we've got a lot to do with the volatility we have seen early this year between Iran and The US, but it's also because one of your investments was underperforming a little bit as well. So early this year, you originally and used to have the Benelon Australian equities in your in your portfolio, and that was more of an actively managed investment. Do you remember seeing an email come through probably around about March?\n\nIt would've stated record of advice. If you don't, that's okay. No. That's okay. It's not a problem at all.\n\nSo, essentially, that email was sent out in March. And because one of your underlying investments is underperforming significantly, we also made a decision to remove that. That investment wasn't doing really well. They had some underlying issues. So if you and our investment committee made a decision to remove that from your portfolio completely.\n\nSo we removed the Banda Long Australian Equities investment, removed the underperforming investment for you, and we've reinvested those funds in what's called the beta shares a 200. Now that investment is essentially giving you greater diversification. So one of the biggest things between the two investments was Benelon as an active manager Generally held about 15 to 20 different investments in their investment option there, whereas the BetaShares a 200 is giving you exposure to the top 200 companies on the ASX. So it's giving you a greater level of exposure, and this investment has seen a greater return, hasn't had the underlying issues that that been a long investment did have early this year. So we wanted to take that action nice and quick for you, remove that.\n\nWe have seen enough volatility with what was going on. You didn't need underperforming investments as well. So we did send that advice document through and updated this one for you as well. Okay? Beautiful.\n\nNow because you have seen that negative return over the past twelve months there, I did also just pull up a report to have a look at what's been happening since we made that change for you. So since we removed that along out over the last four weeks, the last one month, your portfolio has made a positive 2.95% return. It's net of fees. So since making that switch there, we can see your portfolio recovering out a little bit, and that's really important. We wanna keep monitoring that moving forward.\n\nDoes that make sense? And do you have any questions? No. No problem, Lidore. I never wanna hide when portfolios are not working or when there is volatility and a negative return.\n\nI'd rather explain and be open and honest to you. We all know investments do go up and down. There are years of a lower return or a negative return, and it's about taking advantage of those times. So whilst there is a low return at the moment, the volatility we are seeing, essentially, with your contributions going in, we can take advantage of those downtime. And if your portfolio comes out and recovers, it does mean that you'll get some really good growth coming out of that.\n\nDoes that make sense? Yeah. Beautiful. Beautiful. That's okay.\n\nBut it is really good to see that 2.95% to 10 net as a positive for the last one month. So I think with what's happening overseas, a lot of that was sort of factored into the market early on this year, and we are sort of seeing a little bit more of a recovery point from that. I know I'm definitely hearing less and less of it, and, yeah, the market doesn't seem to be as concerned about what's going on there at the moment. So we'll just keep monitoring things moving forward, seeing how everything's going. I would like to maybe do a bit of a catch up with you in maybe the next three or six months depending on what your preference is just to sort of see how your portfolio is going.\n\nWould you like to catch up in three or six months? What's your preference? Six months. Yep. Not a problem at all.\n\nBeautiful. Not a lot happens in the three months mark, so that's absolutely fine. We'll do six months, and we'll see how things are tracking for you and if any further changes need to come out of that for you. Okay? Beautiful.\n\nFantastic. Do you have any other questions in relation to your soup or anything that's kinda come out of that little bit of the conversation at all? You're welcome to ask me anything you like. No? That's okay.\n\nExcellent. Fantastic. Now I did also go back and have a bit of a look at your original advice document there as well and sorta had noted that the projected outcome about five years from when you came on board, which was around 2020, they're expecting to have about a $168,005.89 in your account there. So as of last year, we definitely hit that five five year projected mark, which does mean it is good. You are tracking quite nicely, and we'll just keep monitoring things moving forward.\n\nOkay? Fantastic. Now the other documents in there we do have on the summaries of renovation insurances is your insurance information. So having a look there, you do have some insurances through Neos Life, and you've got some life cover with a current son insured of 210,720. Life obviously pays out a lump sum benefit to your beneficiaries in the event that you were to pass away.\n\nTouchwood, nothing happens. In the event of passing, your super balance is also paid out to your beneficiaries there. With your goal and the life cover, exactly, was there anything particular you wanted to have covered or paid off, or is it just having the amount paid out to your beneficiaries to allow them to to grieve and take time? What was it that you were wanting your life cover to to do? I love that.\n\nYep. That's absolutely fine. Fantastic. With the mortgage, I do have a note here that your the value on your property was about 800,000 last time we called up. What sort of value would you put on the property now, do you think?\n\nYep. Okay. Beautiful. Oh, beautiful. Fantastic.\n\nExcellent. An apartment purchase. And what's the value would you put on the on the apartment? 420,000. Beautiful.\n\nAnd are you renting that out as well? Or yep. Okay. Okay. Okay.\n\nOh, fair enough. Fair enough. It's like having your own home in two locations, having to rent or get accommodation all the time. Absolutely. Yeah.\n\nNo. Fantastic. And so do you have a mortgage on both properties, the technical unit as well as your main primary residence or just a loan on one skip? Oh, fantastic. And how much do you have owing on that one at the moment?\n\nYep. No. That's okay. I can just put an approximate. That's absolutely fine.\n\nNot a problem at all. So, realistically, depending on sort of how things went with your life cover there, with your life benefit paid at and your super balance there, you know, the that can be paid out to your beneficiaries. They could look to sell the unit and all the other property and then split the difference between the two of them. There's a few different things that could definitely happen there. But with your life benefit, are you fairly comfortable with that level?\n\nDid you wanna look at reviewing that amount at all? Or no? Fantastic. Excellent. Now the other thing you do have is total permit disability, which pays out a lump sum benefit or an income stream in the event that you're unable to ever go back to work again due to permanent incapacity.\n\nA lot of people aren't aware, but TBD, unfortunately, if you're 60 and claim on it is actually a taxable payment, I don't like that. I don't think the government should be taxing people who are are permanently unable to go back to work. But, unfortunately, on a lump sum payment or even an income stream, depending on how much you draw down and your age of drawing it down, they capped it up to 22%. So it is quite a high tax, unfortunately. In the event it's horrible.\n\nIt's awful. In the event of, say, claiming on that, we would obviously help provide financial advice on how to limit the tax, how to draw down, keep the money working harder for you as well. So we would look to help limit that as much as possible, but it does mean that the amount that you are essentially insured for, you're not guaranteed to receive that exact amount if you do claim and draw it down. In saying that, if you did wanna increase the factoring the the tax side of things, it does increase the cost of the premiums as well. So it is one thing one thing to sort of consider.\n\nJust wanting to double check there. Are you fairly happy having the same level of of TBD as you have live? Or Yep. Yeah. No.\n\nDefinitely. And, look, if you did wanna keep that longer than 60, realistically, you don't have to keep insurances longer than the age of 60. If you don't want to, these do stay in place. They do expire eventually, but you can keep them for a bit a couple more years. We can just review them each year, see how you're going, what they look like, and then, you know, when and if you decide you no longer want them, they're not valid anymore, then we can always look to cancel them.\n\nBut, yeah, for the moment, there's nothing wrong with it. If you do keep PCED and you claim after 60, that is fully tax free. So just you know, you are very close to that mark where if you claimed on CBD, you get the whole amount. All good. Excellent.\n\nNow the other thing I do have here is your income protection benefit. So income protection pays out a monthly benefit in the event that you're off work in the short term due to illness or injury. The monthly benefit you have at the moment here is about $5,001.82. It's a pretax benefit because you do pay tax on this the same as you do your income. And you have a four week waiting period and a two year benefit period.\n\nDo you understand how the waiting periods and benefit periods work? Did you want me to kinda go to those in detail for you? Or yeah. So our waiting period is how long you have to wait prior to making a claim. So with a four week waiting period, you've gotta be off work for four weeks before they'll accept the claim.\n\nAnd then it generally takes another sort of four weeks to receive the payment, so you technically don't receive it for about two months. And it's two year benefit, Harry. You're exactly spot on there. The benefit can be paid for up to two years. At that two year mark, if you still can't go back to work, they stop paying the benefit, and then we gotta look at other ways, maybe accessing super or, you know, trying to get you back to work or Centrelink or savings or some other way of covering the cost, essentially.\n\nBut yeah. Yeah. Beautiful. Yeah. With your income at the moment, I don't have a figure here currently.\n\nI believe last year, we had a income figure, sorry, of about 80,000, 111. Has your income increased on that this year? That's okay. $108.09 4. Beautiful.\n\nLovely. So if we're looking at that, to cover yourself for up to 70% of your current income, you'd roughly need to have a monthly benefit of that 5,885. So you're only just a little bit underinsured based on that at the moment. Are you happy with the income protection level you have? Did you wanna look at increasing that at all to cover the little bit of the gap, or what's your thoughts there?\n\nYes. So we can get a quote to show you what the cost might be. Admittedly, the increase, and it does mean the cost is gonna go up a little bit. At the moment, you did this year, the cost of the insurance was $7,641.16. It's looking at a super.\n\nSo if you like, I can always obtain a increased quote to show you what the expected premium might look like. And then I'd probably just get one of my team to do another quick pre assessment with you just to make sure there's no changes to your health, and then we can kinda go from there. But if you want, we can start simple. I can just get a quote, obtain that, email it through to you so you can see what the cost might look like to increase the income protection, and then we can kind of decide if you wanna proceed with that or if you're happy to keep it as it is. Does that sound okay?\n\nYep. Beautiful. Lovely. I'll organize that straight after the call for you. It's not a problem at all.\n\nFantastic. Now I don't know if anyone has kind of brought up before, but there are other types of insurance that you can hold. I know we can essentially ensure everything to the health the way we are these days. But there are other types of personal insurance like trauma, which can pay out a lump sum tax free benefit if you were diagnosed, say, cancer, Parkinson's, had a heart attack or stroke. So it's a major diagnosis or a major major event.\n\nDid you wanna look at getting any additional kind of insurances, or are you fairly happy with what what you've got here at the moment? Yep. That's absolutely fine. Yeah. No.\n\nNot a problem at all. And it did mention that you've got kids there as well. I've got them if you don't have any financial dependents. Are your kids technically 18, technically financial dependents, or are they all old and older and self reliant? Yep.\n\nBeautiful. Lovely. Lovely. Excellent. And I can also see on the bottom here that you have a will.\n\nIt was done up about 16 ago, but it is fairly accurate to your circumstances. Is that correct? Have to get updated? No. Updated.\n\nNot a problem. Do you have a local solicitor that you use to have your will updated? Yep. Yep. No.\n\nNot a problem at all. Fantastic. It is definitely worth updating every couple of years, and our circumstances can very much change. I do also have your beneficiaries nominated on file here as well. So we do have on your super I believe it is Georgina and Daniel to receive 50% of your super benefit each.\n\nIs that how you wanted your super paid out? You're comfortable with that one? Yep. Beautiful. Fantastic.\n\nI'm just having a quick look to see if I can see what's on your insurance policy there as well. It doesn't look like it gives me the beneficiary nominated, but I can go back and just quickly grab the beneficiary form. I do apologize. Benefit. There we go.\n\nOkay. And so on your life insurance benefit, I had it noted here that you wanted 50% to go to Joseph, so that's your husband. And then I've also got 25% each to be paid to Georgina and Daniel. Is that still comfortable for you? Yes.\n\nBeautiful. Fantastic. Just making sure that's all up to date and accurate. Lovely. I also have other assets noted here.\n\nYour car, you've got a Mazda. Last time we all caught up, we had an asset value about 9,000. What sort of value would you put on the car now? Do you think what's the value with it to you? That's 4?\n\nBeautiful. And you own the car outright? Yep. Fantastic. And do you have any other assets or liabilities you'd note down?\n\nAny other cars, boats, caravans, or collections? No. That's okay. Fantastic. And I've got your husband, Joseph, down as your next of kin there.\n\nI just need to update the file and grab a contact number for him. Could I grab that off you? Yep. Yep. 167.\n\nBeautiful. Thank you so much for that. Having a look, now the looking goals wise for you with where we were sort of tracking, I know things could definitely have changed since you came on board originally, but we haven't noticed that you were hoping to access super around about the age 67. Looking forward, what age are you sort of hoping to be able to retire and access your super? Yep.\n\nNo. That's understandable. And you're 59 in November this year. Yeah. Beautiful.\n\nWell, not a problem. And if you're happy with that, I can still leave age 67 as the access point there for you. Just so you are fully aware, though, you can actually retire at age 60 if you choose to fully retire and stop working. They do allow you to access your fees at that point. Alternatively, at age 65, you can then start growing your income or taking lump sums regardless of whether you're working or not.\n\nYou don't really have to wait till 67. It's more just what we're tracking forward with go wise to yourself. But do you think you'd be working to 67, or do you think you probably wanna retire a bit earlier? Yep. That's okay.\n\nNo. That's okay. Not a problem at all. And I can see with your contributions, there's no additional contributions going in this sort of employer paid. Are you wanting to make additional contributions to Boost Super even more, or you're just finding it's not really preferable right now?\n\nNope. That's okay. Not a problem at all. If you ever did want to, please let us know. We are happy to update the advice and reflect that.\n\nWhen you do reach the age of 60, there are some other really cool strategies we can put in place as well where we can increase contributions, but we can also access a little bit of super to keep your take home pay relatively the same as well. So if you're wanting to, when we get closer to 60, we can always have that conversation and talk through some different strategies and maybe update the advice to see where we can boost on your super if you like. Yeah. Fantastic. Excellent.\n\nAnd do you have any other goals that you're looking to achieve over the next sort of one, two, five, or ten years aside from, you know, accessing sick from retirement? Nope. That's okay. Are you hoping to have the the like, the unit's mortgage paid down by retirement, or do you think you'll probably sell that? What's the long term plan for the unit?\n\nNo. Probably sell it. Yes. That's okay. Absolutely fine.\n\nYeah. That's alright. See what life throws at you. Hey. No.\n\nNot a problem at all. That's absolutely fantastic. So as I kinda mentioned, you've got that email there that does have all the documents attached that we do have there. So your superannuation insurance summary, the asset performance report there for you as well. We've also got a certificate of currency for your nearest insurance policy.\n\nI'll go back and get an increased quote and email that through to you so you can let me know whether you wanna go ahead and look to increase that or whether you're happy just to keep the premiums as they are. I'll add a little bit of information detail into that email for you as well. And if you find you have additional questions, just come back and let me know. Okay? With with the changes we have just made to your portfolio, I'd be inclined not to make any additional switches or alter the investments right now.\n\nI think just letting them kind of go through what we're seeing at the moment, and we maybe review that in that six months. Are you comfortable with that? Yep. Beautiful. Excellent.\n\nAnd we've also got attached to that email there, the ongoing service agreement. So if you're happy with how things are going and once they onboard as our client for the next twelve months, I just ask that you sign and return that back just to kind of make sure that we are disclosing everything to you. You do pay an ongoing service fee for having us as your advisers. It is 1.65 percent per annum, and it's deducted in smaller monthly increments that you're through for there. So, essentially, with the ongoing service fee, when the market is performing really well, the fee does increase a little bit with it.\n\nHowever, when the market does take a bit of a dip as it is a percentage based fee, it dives with the market as well. So it's about making sure that our fee is fluctuating along with your portfolio and the market as a whole. Does that make sense? Do you have any questions in relation to that? Yeah.\n\nYep. Beautiful. All good. You've also got the financial services guide attached in our overview guide, which has all the information on myself, my licensing information as an adviser, and all the other details that I see you as well. So if there is anything that you ever have, let me know.\n\nI'm more than happy to make time to have a chat. I'll get cracking on this quote for you to get that organized. Oh, and the only other thing I have to let you know is that updating another form of tax there is the tax file opt in form. So we do hold your tax file number. It's important that we do do so because we help set up your super and your life insurances.\n\nBut that document is just outlining the reasoning of why and how we hold your tax file number, and we are very security conscious. So we are just getting that form updated. So you will see that attached there. I just want to make sure that I go through that with you and explain that we're not gonna disclose it to anyone. It's just we have to hold it because of your safe and your life cover, and we just wanna make sure that you're aware of the information we hold, and it goes through that detail for you on the form.\n\nOkay? Beautiful. Legend. Thank you so much, Jenny. Do you have any questions?\n\nI know I go through a lot, and I'm so sorry. Is there anything you wanted to ask me or anything I may have missed? Or no. Beautiful. No worries.\n\nWe'll all get that quote through, and then we can kinda go from there for you. Okay? My pleasure. Hope you have a lovely afternoon and a great weekend ahead. We're Tuesday now, but the weekend is not far off.\n\nMy pleasure. Enjoy your afternoon, Jenny. It was a pleasure talking to you. I'll get cracking on this quote for you and get an email to you shortly. You too.\n\nThank you. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Jenny.","start":2.3999999,"end":3.04,"sentiment":"neutral","sentiment_score":0.10308734327554703},{"text":"This is Dana from Financial.","start":3.04,"end":4.26,"sentiment":"neutral","sentiment_score":0.1303747922182083},{"text":"How are you this afternoon?","start":4.7999997,"end":5.94,"sentiment":"neutral","sentiment_score":0.17089977562427522},{"text":"Yeah.","start":8.4,"end":8.72,"sentiment":"neutral","sentiment_score":0.22763033211231232},{"text":"Very well.","start":8.72,"end":9.28,"sentiment":"positive","sentiment_score":0.46823108196258545}],"sentiment":"neutral","sentiment_score":0.19177600145339965,"num_words":15,"start":2.3999999,"end":9.28},{"sentences":[{"text":"Thank you.","start":9.28,"end":9.679999,"sentiment":"positive","sentiment_score":0.5734231770038605},{"text":"Thanks for asking.","start":9.679999,"end":10.66,"sentiment":"positive","sentiment_score":0.6201302806536356},{"text":"I had you booked in to go through your annual review today.","start":10.719999,"end":13.28,"sentiment":"neutral","sentiment_score":0.28808707743883133},{"text":"Is now still a good time there for you?","start":13.28,"end":15.38,"sentiment":"neutral","sentiment_score":0.2675300207402971},{"text":"Fantastic.","start":17.075,"end":17.575,"sentiment":"positive","sentiment_score":0.5738958120346069}],"sentiment":"positive","sentiment_score":0.3498499305159957,"num_words":27,"start":9.28,"end":17.575},{"sentences":[{"text":"And how's your day been so far?","start":17.795,"end":19.655,"sentiment":"neutral","sentiment_score":0.32861792615481783},{"text":"Oh, fantastic.","start":21.555,"end":22.455,"sentiment":"positive","sentiment_score":0.4873155355453491},{"text":"Jenny, before we jump into the call, just to let you know, we do record our calls for quality and training purposes.","start":22.994999,"end":27.474998,"sentiment":"neutral","sentiment_score":0.1776566207408905},{"text":"Are you happy for me to proceed with that?","start":27.474998,"end":29.575,"sentiment":"neutral","sentiment_score":0.20286020636558533},{"text":"Fantastic.","start":31.4,"end":31.9,"sentiment":"positive","sentiment_score":0.5198374390602112}],"sentiment":"neutral","sentiment_score":0.23241418309328032,"num_words":41,"start":17.795,"end":31.9},{"sentences":[{"text":"And this is a security day with you as well.","start":32.52,"end":34.44,"sentiment":"neutral","sentiment_score":0.21909153908491136},{"text":"We are discussing your personal information.","start":34.44,"end":36.38,"sentiment":"neutral","sentiment_score":0.12148451432585716},{"text":"So I just need to confirm your full name, your date of birth, and address I should have on file.","start":36.92,"end":41.02,"sentiment":"neutral","sentiment_score":0.12586679831147193},{"text":"Yeah.","start":51.715,"end":52.215,"sentiment":"neutral","sentiment_score":0.005177428014576435},{"text":"No.","start":53.875,"end":54.114998,"sentiment":"neutral","sentiment_score":-0.029108790680766106}],"sentiment":"neutral","sentiment_score":0.1424533442201975,"num_words":38,"start":32.52,"end":54.114998},{"sentences":[{"text":"You're right.","start":54.114998,"end":55.015,"sentiment":"neutral","sentiment_score":-0.02704772911965847},{"text":"Yes.","start":59.155,"end":59.655,"sentiment":"neutral","sentiment_score":0.006152507849037647},{"text":"Oh, I had a different number here.","start":62.24,"end":64.66,"sentiment":"neutral","sentiment_score":-0.02689725506518568},{"text":"13.","start":64.8,"end":65.3,"sentiment":"neutral","sentiment_score":-0.0059519438073039055},{"text":"That's okay.","start":65.6,"end":66.32,"sentiment":"neutral","sentiment_score":-0.0002226680517196653}],"sentiment":"neutral","sentiment_score":-0.01866315505825556,"num_words":13,"start":54.114998,"end":66.32},{"sentences":[{"text":"I can update that for you.","start":66.32,"end":67.6,"sentiment":"neutral","sentiment_score":-0.010252053538958231},{"text":"I had eleven.","start":67.6,"end":68.5,"sentiment":"neutral","sentiment_score":-0.021534111350774765},{"text":"I had a eleven?","start":70.16,"end":72.18,"sentiment":"neutral","sentiment_score":-0.02915280219167471},{"text":"I'm so sorry.","start":73.12,"end":74.1,"sentiment":"neutral","sentiment_score":-0.0787865122159322},{"text":"No.","start":80.795,"end":81.034996,"sentiment":"neutral","sentiment_score":-0.06435565650463104}],"sentiment":"neutral","sentiment_score":-0.0319671210120706,"num_words":17,"start":66.32,"end":81.034996},{"sentences":[{"text":"That's oh, that's honestly okay.","start":81.034996,"end":88.895,"sentiment":"neutral","sentiment_score":0.04484455361962318},{"text":"I hope today is have a good day for you.","start":89.274994,"end":91.95,"sentiment":"neutral","sentiment_score":0.23138819634914398},{"text":"Just one of those afternoons.","start":93.95,"end":95.25,"sentiment":"neutral","sentiment_score":0.020235393568873404},{"text":"No.","start":97.31,"end":97.549995,"sentiment":"neutral","sentiment_score":0.04035453870892525},{"text":"Honest it's not a problem at all there, Jenny.","start":97.549995,"end":100.42999,"sentiment":"neutral","sentiment_score":0.1498783694373237}],"sentiment":"neutral","sentiment_score":0.13428471876929204,"num_words":30,"start":81.034996,"end":100.42999},{"sentences":[{"text":"Excellent.","start":100.42999,"end":100.909996,"sentiment":"positive","sentiment_score":0.4956183433532715},{"text":"Thank you so much for that.","start":100.909996,"end":102.53,"sentiment":"positive","sentiment_score":0.5566525558630625},{"text":"Now as part of the annual review, we do send through some documents to you just to kinda go through the things that we are discussing today.","start":102.59,"end":109.225,"sentiment":"neutral","sentiment_score":0.17328321823367365},{"text":"Do you have access to your emails?","start":109.605,"end":111.285,"sentiment":"neutral","sentiment_score":0.031542496755719185},{"text":"If you don't, that's okay.","start":111.285,"end":112.585,"sentiment":"neutral","sentiment_score":0.00046168137341737745}],"sentiment":"neutral","sentiment_score":0.18994100989125992,"num_words":46,"start":100.42999,"end":112.585},{"sentences":[{"text":"That's okay.","start":115.765,"end":116.505005,"sentiment":"neutral","sentiment_score":-0.06455600261688232},{"text":"No.","start":121.34,"end":121.579994,"sentiment":"neutral","sentiment_score":-0.10639806091785432},{"text":"That's okay.","start":121.579994,"end":122.38,"sentiment":"neutral","sentiment_score":0.017641618847846985},{"text":"You're absolutely fine.","start":122.38,"end":123.84,"sentiment":"positive","sentiment_score":0.4928192396958669},{"text":"I've just sent through an email to you, sir.","start":140.69499,"end":142.375,"sentiment":"neutral","sentiment_score":0.2589905576573478}],"sentiment":"neutral","sentiment_score":0.21230270056163564,"num_words":17,"start":115.765,"end":142.375},{"sentences":[{"text":"Hopefully, when you log in there, you should see it come from Odoo sign.","start":142.375,"end":145.995,"sentiment":"neutral","sentiment_score":0.15112156580601419},{"text":"Beautiful.","start":148.25,"end":148.75,"sentiment":"positive","sentiment_score":0.42303305864334106},{"text":"Yay.","start":152.09001,"end":152.57,"sentiment":"neutral","sentiment_score":-0.13744525611400604},{"text":"You're right.","start":152.57,"end":153.39,"sentiment":"neutral","sentiment_score":-0.12470246106386185},{"text":"Yeah.","start":158.65001,"end":158.89,"sentiment":"neutral","sentiment_score":0.004108995199203491}],"sentiment":"neutral","sentiment_score":0.11347335773079019,"num_words":19,"start":142.375,"end":158.89},{"sentences":[{"text":"Gotta love technology when it wants to work.","start":158.89,"end":161.31001,"sentiment":"neutral","sentiment_score":0.25385990366339684},{"text":"Yep.","start":172.065,"end":172.465,"sentiment":"neutral","sentiment_score":0.3286638855934143},{"text":"Beautiful.","start":172.465,"end":172.965,"sentiment":"positive","sentiment_score":0.687761664390564},{"text":"Lovely.","start":173.265,"end":173.66501,"sentiment":"positive","sentiment_score":0.6549462080001831},{"text":"Now before we jump into going through your review as such, is there anything particular you wanna be to touch base on or any questions that you might have for me today?","start":173.66501,"end":181.72,"sentiment":"neutral","sentiment_score":0.17197623173706234}],"sentiment":"neutral","sentiment_score":0.21408117215993794,"num_words":43,"start":158.89,"end":181.72},{"sentences":[{"text":"No.","start":186.26,"end":186.5,"sentiment":"neutral","sentiment_score":-0.03657218813896179},{"text":"That's okay.","start":186.5,"end":187.37999,"sentiment":"neutral","sentiment_score":0.07234056852757931},{"text":"Not a problem at all.","start":187.37999,"end":188.92,"sentiment":"neutral","sentiment_score":0.2322172313928604},{"text":"Well, I'll start by just sort of going through and giving you an update on your super debt.","start":189.155,"end":192.355,"sentiment":"neutral","sentiment_score":0.18035955727100372},{"text":"It's probably the ones that you're interested in looking at.","start":192.355,"end":195.655,"sentiment":"neutral","sentiment_score":0.17102749049663543}],"sentiment":"neutral","sentiment_score":0.1729428344923589,"num_words":36,"start":186.26,"end":195.655},{"sentences":[{"text":"When you open that email there, you will see I have got some attachments at the very bottom.","start":196.19499,"end":200.935,"sentiment":"neutral","sentiment_score":0.13182069402601984},{"text":"That does include the asset performance report and your super balance.","start":201.155,"end":205.05,"sentiment":"neutral","sentiment_score":0.13785444606434216},{"text":"The summary of your superannuation and insurances there as well.","start":205.13,"end":208.33,"sentiment":"neutral","sentiment_score":0.13885395377874374},{"text":"Okay?","start":208.33,"end":208.83,"sentiment":"neutral","sentiment_score":0.09543605893850328},{"text":"Beautiful.","start":210.41,"end":210.91,"sentiment":"positive","sentiment_score":0.4947460889816284}],"sentiment":"neutral","sentiment_score":0.14311934353374853,"num_words":41,"start":196.19499,"end":210.91},{"sentences":[{"text":"Now having a bit of a look at things.","start":211.05,"end":212.65001,"sentiment":"neutral","sentiment_score":0.20194081962108612},{"text":"So when we completed your last annual review, that was about February last year.","start":212.65001,"end":217.31,"sentiment":"neutral","sentiment_score":0.0821088363549539},{"text":"So your balance then was about a $169,007.75 and 82¢.","start":217.37,"end":222.985,"sentiment":"neutral","sentiment_score":0.11963816649383968},{"text":"Your balance as of the June 12, which is when we prepped the documents there for you, is up to a 173,810 and 38¢.","start":223.60501,"end":233.445,"sentiment":"neutral","sentiment_score":0.17118053267831387},{"text":"So it is definitely an increase on last year, albeit a much smaller increase.","start":233.445,"end":237.68001,"sentiment":"neutral","sentiment_score":0.048842444749815125}],"sentiment":"neutral","sentiment_score":0.12557508785655533,"num_words":71,"start":211.05,"end":237.68001},{"sentences":[{"text":"A lot of what we have seen over the past few months with Iran and Trump in The US has seen a lot of volatility in the market, so that means that this year we have expected and had, unfortunately, a much lower rate of return, and some super funds are experiencing a negative return at the moment, but we wanna sort of see if they could come out from that as well.","start":238.06001,"end":259.285,"sentiment":"negative","sentiment_score":-0.3439272825848566},{"text":"Okay?","start":259.345,"end":259.845,"sentiment":"neutral","sentiment_score":-0.1072697639465332},{"text":"Sorry.","start":262.47998,"end":262.97998,"sentiment":"neutral","sentiment_score":-0.15799397230148315},{"text":"To give you an update, so the return, as I've kinda mentioned, has been quite low.","start":263.44,"end":267.62,"sentiment":"neutral","sentiment_score":-0.20353196607902646},{"text":"We actually, for the last twelve months, seen a negative return.","start":268.47998,"end":271.52,"sentiment":"negative","sentiment_score":-0.3627143583514474}],"sentiment":"neutral","sentiment_score":-0.31978749768698916,"num_words":102,"start":238.06001,"end":271.52},{"sentences":[{"text":"So negative of 1.04%.","start":271.52,"end":274.5,"sentiment":"neutral","sentiment_score":-0.31030530855059624},{"text":"So just under a 1% return there, negative 1% return there for the year, which isn't great.","start":274.56,"end":280.665,"sentiment":"neutral","sentiment_score":-0.23609737306833267},{"text":"As I kinda mentioned, it's we've got a lot to do with the volatility we have seen early this year between Iran and The US, but it's also because one of your investments was underperforming a little bit as well.","start":281.125,"end":291.94,"sentiment":"neutral","sentiment_score":-0.30314369648694994},{"text":"So early this year, you originally and used to have the Benelon Australian equities in your in your portfolio, and that was more of an actively managed investment.","start":291.94,"end":302.83,"sentiment":"neutral","sentiment_score":-0.04583725053817034},{"text":"Do you remember seeing an email come through probably around about March?","start":302.83,"end":308.86502,"sentiment":"neutral","sentiment_score":-0.016329276530692976}],"sentiment":"neutral","sentiment_score":-0.18673285910177348,"num_words":101,"start":271.52,"end":308.86502},{"sentences":[{"text":"It would've stated record of advice.","start":310.045,"end":312.065,"sentiment":"neutral","sentiment_score":-0.033144124473134674},{"text":"If you don't, that's okay.","start":312.445,"end":313.825,"sentiment":"neutral","sentiment_score":-0.04011422395706177},{"text":"No.","start":316.36002,"end":316.6,"sentiment":"neutral","sentiment_score":-0.06126685440540314},{"text":"That's okay.","start":316.6,"end":317.40002,"sentiment":"neutral","sentiment_score":0.027732928632758558},{"text":"It's not a problem at all.","start":317.40002,"end":318.94,"sentiment":"neutral","sentiment_score":0.12719533344109854}],"sentiment":"neutral","sentiment_score":0.017896756844129412,"num_words":20,"start":310.045,"end":318.94},{"sentences":[{"text":"So, essentially, that email was sent out in March.","start":319.32,"end":322.06,"sentiment":"neutral","sentiment_score":0.02798719869719611},{"text":"And because one of your underlying investments is underperforming significantly, we also made a decision to remove that.","start":322.12003,"end":328.635,"sentiment":"neutral","sentiment_score":-0.21213262673053476},{"text":"That investment wasn't doing really well.","start":328.635,"end":330.635,"sentiment":"negative","sentiment_score":-0.40064583718776703},{"text":"They had some underlying issues.","start":330.635,"end":332.33502,"sentiment":"negative","sentiment_score":-0.3556180834770203},{"text":"So if you and our investment committee made a decision to remove that from your portfolio completely.","start":332.39502,"end":337.535,"sentiment":"neutral","sentiment_score":-0.2850368575138204}],"sentiment":"neutral","sentiment_score":-0.22898353656584566,"num_words":55,"start":319.32,"end":337.535},{"sentences":[{"text":"So we removed the Banda Long Australian Equities investment, removed the underperforming investment for you, and we've reinvested those funds in what's called the beta shares a 200.","start":339.195,"end":348.87,"sentiment":"neutral","sentiment_score":0.07801838152642761},{"text":"Now that investment is essentially giving you greater diversification.","start":349.25,"end":352.87,"sentiment":"neutral","sentiment_score":0.18739361543622282},{"text":"So one of the biggest things between the two investments was Benelon as an active manager Generally held about 15 to 20 different investments in their investment option there, whereas the BetaShares a 200 is giving you exposure to the top 200 companies on the ASX.","start":353.41,"end":369.355,"sentiment":"neutral","sentiment_score":0.05556116475845161},{"text":"So it's giving you a greater level of exposure, and this investment has seen a greater return, hasn't had the underlying issues that that been a long investment did have early this year.","start":369.575,"end":379.19,"sentiment":"neutral","sentiment_score":0.07518074209942963},{"text":"So we wanted to take that action nice and quick for you, remove that.","start":379.19,"end":383.35,"sentiment":"neutral","sentiment_score":-0.005533599693860326}],"sentiment":"neutral","sentiment_score":0.06792588380093757,"num_words":130,"start":339.195,"end":383.35},{"sentences":[{"text":"We have seen enough volatility with what was going on.","start":383.35,"end":386.025,"sentiment":"neutral","sentiment_score":-0.268674498796463},{"text":"You didn't need underperforming investments as well.","start":386.025,"end":388.525,"sentiment":"neutral","sentiment_score":-0.22056101049695695},{"text":"So we did send that advice document through and updated this one for you as well.","start":389.465,"end":394.44498,"sentiment":"neutral","sentiment_score":0.028729957761242986},{"text":"Okay?","start":394.585,"end":395.085,"sentiment":"neutral","sentiment_score":0.03132151439785957},{"text":"Beautiful.","start":396.345,"end":396.845,"sentiment":"positive","sentiment_score":0.4273021817207336}],"sentiment":"neutral","sentiment_score":-0.09463911546128137,"num_words":35,"start":383.35,"end":396.845},{"sentences":[{"text":"Now because you have seen that negative return over the past twelve months there, I did also just pull up a report to have a look at what's been happening since we made that change for you.","start":397.55002,"end":407.01,"sentiment":"neutral","sentiment_score":-0.0505342865866181},{"text":"So since we removed that along out over the last four weeks, the last one month, your portfolio has made a positive 2.95% return.","start":407.07,"end":416.91498,"sentiment":"neutral","sentiment_score":0.3171114685634772},{"text":"It's net of fees.","start":416.91498,"end":417.955,"sentiment":"neutral","sentiment_score":0.29859915375709534},{"text":"So since making that switch there, we can see your portfolio recovering out a little bit, and that's really important.","start":417.955,"end":425.74002,"sentiment":"neutral","sentiment_score":0.32934888228774073},{"text":"We wanna keep monitoring that moving forward.","start":425.74002,"end":428.06003,"sentiment":"neutral","sentiment_score":0.2824233216898782}],"sentiment":"neutral","sentiment_score":0.1684700451568579,"num_words":92,"start":397.55002,"end":428.06003},{"sentences":[{"text":"Does that make sense?","start":428.06003,"end":428.94,"sentiment":"neutral","sentiment_score":0.11872444115579128},{"text":"And do you have any questions?","start":428.94,"end":430.32,"sentiment":"neutral","sentiment_score":0.03530277622242769},{"text":"No.","start":434.54,"end":434.94,"sentiment":"neutral","sentiment_score":0.004076827317476273},{"text":"No problem, Lidore.","start":434.94,"end":435.98,"sentiment":"neutral","sentiment_score":0.01775635965168476},{"text":"I never wanna hide when portfolios are not working or when there is volatility and a negative return.","start":435.98,"end":440.875,"sentiment":"neutral","sentiment_score":-0.07405810906655258}],"sentiment":"neutral","sentiment_score":-0.01840580109274015,"num_words":32,"start":428.06003,"end":440.875},{"sentences":[{"text":"I'd rather explain and be open and honest to you.","start":440.875,"end":443.915,"sentiment":"neutral","sentiment_score":-0.010605241172015667},{"text":"We all know investments do go up and down.","start":443.915,"end":446.075,"sentiment":"neutral","sentiment_score":-0.04424365237355232},{"text":"There are years of a lower return or a negative return, and it's about taking advantage of those times.","start":446.075,"end":451.835,"sentiment":"neutral","sentiment_score":-0.10145262550366552},{"text":"So whilst there is a low return at the moment, the volatility we are seeing, essentially, with your contributions going in, we can take advantage of those downtime.","start":451.835,"end":461.39,"sentiment":"neutral","sentiment_score":0.01144674264027604},{"text":"And if your portfolio comes out and recovers, it does mean that you'll get some really good growth coming out of that.","start":462.09,"end":468.465,"sentiment":"neutral","sentiment_score":0.2957980524409901}],"sentiment":"neutral","sentiment_score":0.04995705431792885,"num_words":88,"start":440.875,"end":468.465},{"sentences":[{"text":"Does that make sense?","start":468.465,"end":469.525,"sentiment":"neutral","sentiment_score":0.12469217367470264},{"text":"Yeah.","start":470.305,"end":470.805,"sentiment":"neutral","sentiment_score":0.064565509557724},{"text":"Beautiful.","start":471.10498,"end":471.60498,"sentiment":"positive","sentiment_score":0.6903892755508423},{"text":"Beautiful.","start":471.82498,"end":472.32498,"sentiment":"positive","sentiment_score":0.6684542894363403},{"text":"That's okay.","start":472.625,"end":473.525,"sentiment":"positive","sentiment_score":0.5072378069162369}],"sentiment":"neutral","sentiment_score":0.326294820341799,"num_words":9,"start":468.465,"end":473.525},{"sentences":[{"text":"But it is really good to see that 2.95% to 10 net as a positive for the last one month.","start":473.985,"end":479.82498,"sentiment":"positive","sentiment_score":0.6727628722786904},{"text":"So I think with what's happening overseas, a lot of that was sort of factored into the market early on this year, and we are sort of seeing a little bit more of a recovery point from that.","start":479.82498,"end":490.08,"sentiment":"neutral","sentiment_score":0.23311198110643186},{"text":"I know I'm definitely hearing less and less of it, and, yeah, the market doesn't seem to be as concerned about what's going on there at the moment.","start":490.13998,"end":496.85498,"sentiment":"neutral","sentiment_score":-0.05050387348247958},{"text":"So we'll just keep monitoring things moving forward, seeing how everything's going.","start":496.85498,"end":501.095,"sentiment":"neutral","sentiment_score":0.0861454534654816},{"text":"I would like to maybe do a bit of a catch up with you in maybe the next three or six months depending on what your preference is just to sort of see how your portfolio is going.","start":501.095,"end":511.54,"sentiment":"neutral","sentiment_score":0.06681690428798136}],"sentiment":"neutral","sentiment_score":0.1799425887841019,"num_words":136,"start":473.985,"end":511.54},{"sentences":[{"text":"Would you like to catch up in three or six months?","start":512.16,"end":514.4,"sentiment":"neutral","sentiment_score":0.022601361640475014},{"text":"What's your preference?","start":514.4,"end":515.46,"sentiment":"neutral","sentiment_score":0.014306075870990753},{"text":"Six months.","start":517.83997,"end":518.66,"sentiment":"neutral","sentiment_score":0.046428460627794266},{"text":"Yep.","start":519.04,"end":519.52,"sentiment":"neutral","sentiment_score":0.10549183189868928},{"text":"Not a problem at all.","start":519.52,"end":520.785,"sentiment":"neutral","sentiment_score":0.18611139357089995}],"sentiment":"neutral","sentiment_score":0.06456540575758977,"num_words":22,"start":512.16,"end":520.785},{"sentences":[{"text":"Beautiful.","start":521.02496,"end":521.52496,"sentiment":"positive","sentiment_score":0.39719492197036743},{"text":"Not a lot happens in the three months mark, so that's absolutely fine.","start":521.665,"end":524.94495,"sentiment":"neutral","sentiment_score":0.12027442999757253},{"text":"We'll do six months, and we'll see how things are tracking for you and if any further changes need to come out of that for you.","start":524.94495,"end":531.02496,"sentiment":"neutral","sentiment_score":0.1270117464546974},{"text":"Okay?","start":531.02496,"end":531.52496,"sentiment":"neutral","sentiment_score":0.07495958358049393},{"text":"Beautiful.","start":534.05,"end":534.55,"sentiment":"positive","sentiment_score":0.501657247543335}],"sentiment":"neutral","sentiment_score":0.13904011311630407,"num_words":42,"start":521.02496,"end":534.55},{"sentences":[{"text":"Fantastic.","start":534.76996,"end":535.26996,"sentiment":"positive","sentiment_score":0.45809927582740784},{"text":"Do you have any other questions in relation to your soup or anything that's kinda come out of that little bit of the conversation at all?","start":535.73,"end":542.29,"sentiment":"neutral","sentiment_score":0.1478282751945349},{"text":"You're welcome to ask me anything you like.","start":542.29,"end":544.20996,"sentiment":"neutral","sentiment_score":0.00467935367487371},{"text":"No?","start":544.20996,"end":544.70996,"sentiment":"neutral","sentiment_score":-0.01891424134373665},{"text":"That's okay.","start":545.08997,"end":545.82996,"sentiment":"neutral","sentiment_score":0.06804562453180552}],"sentiment":"neutral","sentiment_score":0.11726963863168892,"num_words":38,"start":534.76996,"end":545.82996},{"sentences":[{"text":"Excellent.","start":547.725,"end":548.225,"sentiment":"positive","sentiment_score":0.44794219732284546},{"text":"Fantastic.","start":548.685,"end":549.185,"sentiment":"positive","sentiment_score":0.4996418356895447},{"text":"Now I did also go back and have a bit of a look at your original advice document there as well and sorta had noted that the projected outcome about five years from when you came on board, which was around 2020, they're expecting to have about a $168,005.89 in your account there.","start":549.805,"end":566.16,"sentiment":"neutral","sentiment_score":0.2436270964033199},{"text":"So as of last year, we definitely hit that five five year projected mark, which does mean it is good.","start":566.16,"end":573.19995,"sentiment":"positive","sentiment_score":0.4617163136601448},{"text":"You are tracking quite nicely, and we'll just keep monitoring things moving forward.","start":573.19995,"end":578.015,"sentiment":"neutral","sentiment_score":0.2951202587439464}],"sentiment":"neutral","sentiment_score":0.30603079294616525,"num_words":88,"start":547.725,"end":578.015},{"sentences":[{"text":"Okay?","start":578.075,"end":578.575,"sentiment":"neutral","sentiment_score":0.05860389024019241},{"text":"Fantastic.","start":581.27496,"end":581.77496,"sentiment":"positive","sentiment_score":0.7625903487205505},{"text":"Now the other documents in there we do have on the summaries of renovation insurances is your insurance information.","start":583.355,"end":589.135,"sentiment":"neutral","sentiment_score":0.11615064857821715},{"text":"So having a look there, you do have some insurances through Neos Life, and you've got some life cover with a current son insured of 210,720.","start":589.355,"end":600.48,"sentiment":"neutral","sentiment_score":0.06534318267725982},{"text":"Life obviously pays out a lump sum benefit to your beneficiaries in the event that you were to pass away.","start":601.02,"end":606.335,"sentiment":"neutral","sentiment_score":0.059339265897870065}],"sentiment":"neutral","sentiment_score":0.088265143724075,"num_words":67,"start":578.075,"end":606.335},{"sentences":[{"text":"Touchwood, nothing happens.","start":606.335,"end":608.03503,"sentiment":"neutral","sentiment_score":-0.0012559543053309123},{"text":"In the event of passing, your super balance is also paid out to your beneficiaries there.","start":609.375,"end":613.955,"sentiment":"neutral","sentiment_score":0.02730901341419667},{"text":"With your goal and the life cover, exactly, was there anything particular you wanted to have covered or paid off, or is it just having the amount paid out to your beneficiaries to allow them to to grieve and take time?","start":614.41504,"end":627.57,"sentiment":"neutral","sentiment_score":0.015024010455462991},{"text":"What was it that you were wanting your life cover to to do?","start":627.57,"end":631.75,"sentiment":"neutral","sentiment_score":-0.03231681496478044},{"text":"I love that.","start":641.66504,"end":642.645,"sentiment":"positive","sentiment_score":0.39197493592898053}],"sentiment":"neutral","sentiment_score":0.023749565705657005,"num_words":76,"start":606.335,"end":642.645},{"sentences":[{"text":"Yep.","start":642.78503,"end":643.265,"sentiment":"neutral","sentiment_score":0.12662191689014435},{"text":"That's absolutely fine.","start":643.265,"end":644.885,"sentiment":"neutral","sentiment_score":0.1864212602376938},{"text":"Fantastic.","start":647.47003,"end":647.97003,"sentiment":"neutral","sentiment_score":0.3196941614151001},{"text":"With the mortgage, I do have a note here that your the value on your property was about 800,000 last time we called up.","start":648.83,"end":656.37,"sentiment":"neutral","sentiment_score":0.07973401822770636},{"text":"What sort of value would you put on the property now, do you think?","start":656.67,"end":659.73,"sentiment":"neutral","sentiment_score":0.02758564906460898}],"sentiment":"neutral","sentiment_score":0.07686966007878614,"num_words":43,"start":642.78503,"end":659.73},{"sentences":[{"text":"Yep.","start":662.96497,"end":663.46497,"sentiment":"neutral","sentiment_score":0.04959335923194885},{"text":"Okay.","start":666.32495,"end":666.82495,"sentiment":"neutral","sentiment_score":0.038200926035642624},{"text":"Beautiful.","start":668.005,"end":668.505,"sentiment":"neutral","sentiment_score":0.22904902696609497},{"text":"Oh, beautiful.","start":676.37,"end":677.03,"sentiment":"neutral","sentiment_score":0.29826079308986664},{"text":"Fantastic.","start":677.49,"end":677.99,"sentiment":"positive","sentiment_score":0.4542837738990784}],"sentiment":"neutral","sentiment_score":0.22794144538541636,"num_words":6,"start":662.96497,"end":677.99},{"sentences":[{"text":"Excellent.","start":679.17,"end":679.67,"sentiment":"positive","sentiment_score":0.3982246518135071},{"text":"An apartment purchase.","start":680.13,"end":681.35004,"sentiment":"neutral","sentiment_score":0.1482294276356697},{"text":"And what's the value would you put on the on the apartment?","start":681.49,"end":684.71,"sentiment":"neutral","sentiment_score":0.049655090707043804},{"text":"420,000.","start":688.235,"end":689.695,"sentiment":"neutral","sentiment_score":0.04482055455446243},{"text":"Beautiful.","start":689.83496,"end":690.315,"sentiment":"neutral","sentiment_score":0.2079155296087265}],"sentiment":"neutral","sentiment_score":0.09397278374267949,"num_words":18,"start":679.17,"end":690.315},{"sentences":[{"text":"And are you renting that out as well?","start":690.315,"end":692.235,"sentiment":"neutral","sentiment_score":0.022930989507585764},{"text":"Or yep.","start":692.235,"end":696.815,"sentiment":"neutral","sentiment_score":0.0005476595833897608},{"text":"Okay.","start":697.435,"end":697.935,"sentiment":"neutral","sentiment_score":0.0212729349732399},{"text":"Okay.","start":700.795,"end":701.295,"sentiment":"neutral","sentiment_score":-0.008866963908076286},{"text":"Okay.","start":703.69,"end":704.19,"sentiment":"neutral","sentiment_score":-0.00946115329861641}],"sentiment":"neutral","sentiment_score":0.014422157922616372,"num_words":13,"start":690.315,"end":704.19},{"sentences":[{"text":"Oh, fair enough.","start":708.73,"end":709.69,"sentiment":"neutral","sentiment_score":0.050740860402584076},{"text":"Fair enough.","start":709.69,"end":710.25,"sentiment":"neutral","sentiment_score":0.018052174244076014},{"text":"It's like having your own home in two locations, having to rent or get accommodation all the time.","start":710.25,"end":715.37,"sentiment":"neutral","sentiment_score":0.2648759227659967},{"text":"Absolutely.","start":715.37,"end":715.87,"sentiment":"positive","sentiment_score":0.3525596261024475},{"text":"Yeah.","start":717.595,"end":717.835,"sentiment":"neutral","sentiment_score":0.0923825204372406}],"sentiment":"neutral","sentiment_score":0.21604142744094135,"num_words":25,"start":708.73,"end":717.835},{"sentences":[{"text":"No.","start":717.835,"end":717.995,"sentiment":"neutral","sentiment_score":0.11308932304382324},{"text":"Fantastic.","start":717.995,"end":718.495,"sentiment":"positive","sentiment_score":0.3458244800567627},{"text":"And so do you have a mortgage on both properties, the technical unit as well as your main primary residence or just a loan on one skip?","start":719.355,"end":728.175,"sentiment":"neutral","sentiment_score":0.04008011223265418},{"text":"Oh, fantastic.","start":731.72003,"end":732.44,"sentiment":"neutral","sentiment_score":0.3232567608356476},{"text":"And how much do you have owing on that one at the moment?","start":732.44,"end":734.7,"sentiment":"neutral","sentiment_score":0.062422639761979766}],"sentiment":"neutral","sentiment_score":0.06816101527180184,"num_words":44,"start":717.835,"end":734.7},{"sentences":[{"text":"Yep.","start":740.68,"end":741.18,"sentiment":"neutral","sentiment_score":0.02239307388663292},{"text":"No.","start":741.24005,"end":741.74005,"sentiment":"neutral","sentiment_score":0.001829015091061592},{"text":"That's okay.","start":742.055,"end":742.855,"sentiment":"neutral","sentiment_score":0.05584688112139702},{"text":"I can just put an approximate.","start":742.855,"end":744.235,"sentiment":"neutral","sentiment_score":0.05674165487289429},{"text":"That's absolutely fine.","start":744.295,"end":745.915,"sentiment":"neutral","sentiment_score":0.14887752383947372}],"sentiment":"neutral","sentiment_score":0.07099987322894427,"num_words":13,"start":740.68,"end":745.915},{"sentences":[{"text":"Not a problem at all.","start":746.055,"end":747.175,"sentiment":"neutral","sentiment_score":0.13096259981393815},{"text":"So, realistically, depending on sort of how things went with your life cover there, with your life benefit paid at and your super balance there, you know, the that can be paid out to your beneficiaries.","start":747.175,"end":758.75,"sentiment":"neutral","sentiment_score":0.04742694009716312},{"text":"They could look to sell the unit and all the other property and then split the difference between the two of them.","start":758.89,"end":764.11,"sentiment":"neutral","sentiment_score":0.02745898770676418},{"text":"There's a few different things that could definitely happen there.","start":764.41,"end":767.05,"sentiment":"neutral","sentiment_score":0.019598137773573398},{"text":"But with your life benefit, are you fairly comfortable with that level?","start":767.05,"end":770.715,"sentiment":"neutral","sentiment_score":0.008134031357864538}],"sentiment":"neutral","sentiment_score":0.03835141560172334,"num_words":85,"start":746.055,"end":770.715},{"sentences":[{"text":"Did you wanna look at reviewing that amount at all?","start":770.715,"end":773.275,"sentiment":"neutral","sentiment_score":-0.01576847955584526},{"text":"Or no?","start":773.275,"end":776.655,"sentiment":"neutral","sentiment_score":-0.10794748365879059},{"text":"Fantastic.","start":777.675,"end":778.175,"sentiment":"positive","sentiment_score":0.4430433213710785},{"text":"Excellent.","start":778.635,"end":779.135,"sentiment":"positive","sentiment_score":0.35535502433776855},{"text":"Now the other thing you do have is total permit disability, which pays out a lump sum benefit or an income stream in the event that you're unable to ever go back to work again due to permanent incapacity.","start":779.59503,"end":789.5,"sentiment":"neutral","sentiment_score":-0.035259280974666275}],"sentiment":"neutral","sentiment_score":-0.01793006368262588,"num_words":53,"start":770.715,"end":789.5},{"sentences":[{"text":"A lot of people aren't aware, but TBD, unfortunately, if you're 60 and claim on it is actually a taxable payment, I don't like that.","start":790.52,"end":797.755,"sentiment":"neutral","sentiment_score":-0.26095672339200976},{"text":"I don't think the government should be taxing people who are are permanently unable to go back to work.","start":797.755,"end":802.575,"sentiment":"neutral","sentiment_score":-0.2572786353136364},{"text":"But, unfortunately, on a lump sum payment or even an income stream, depending on how much you draw down and your age of drawing it down, they capped it up to 22%.","start":803.275,"end":814.14,"sentiment":"neutral","sentiment_score":-0.3031541001982987},{"text":"So it is quite a high tax, unfortunately.","start":814.14,"end":816.08,"sentiment":"negative","sentiment_score":-0.48092610016465187},{"text":"In the event it's horrible.","start":817.58,"end":819.6,"sentiment":"negative","sentiment_score":-0.5836708530783653}],"sentiment":"neutral","sentiment_score":-0.31324613964959475,"num_words":89,"start":790.52,"end":819.6},{"sentences":[{"text":"It's awful.","start":819.66,"end":820.4,"sentiment":"negative","sentiment_score":-0.767641544342041},{"text":"In the event of, say, claiming on that, we would obviously help provide financial advice on how to limit the tax, how to draw down, keep the money working harder for you as well.","start":820.62,"end":830.755,"sentiment":"neutral","sentiment_score":-0.3327037876143175},{"text":"So we would look to help limit that as much as possible, but it does mean that the amount that you are essentially insured for, you're not guaranteed to receive that exact amount if you do claim and draw it down.","start":830.755,"end":843.57,"sentiment":"neutral","sentiment_score":-0.275624675721657},{"text":"In saying that, if you did wanna increase the factoring the the tax side of things, it does increase the cost of the premiums as well.","start":844.11005,"end":851.55,"sentiment":"neutral","sentiment_score":-0.1162154058424326},{"text":"So it is one thing one thing to sort of consider.","start":851.55,"end":854.05,"sentiment":"neutral","sentiment_score":0.06644034555012529}],"sentiment":"neutral","sentiment_score":-0.23191737125447967,"num_words":114,"start":819.66,"end":854.05},{"sentences":[{"text":"Just wanting to double check there.","start":855.465,"end":856.905,"sentiment":"neutral","sentiment_score":0.030178111977875233},{"text":"Are you fairly happy having the same level of of TBD as you have live?","start":856.905,"end":861.545,"sentiment":"neutral","sentiment_score":0.03486453915635745},{"text":"Or Yep.","start":861.545,"end":873.3,"sentiment":"neutral","sentiment_score":0.01994556374847889},{"text":"Yeah.","start":873.3,"end":873.8,"sentiment":"neutral","sentiment_score":0.01539252419024706},{"text":"No.","start":873.86,"end":874.18,"sentiment":"neutral","sentiment_score":-0.015828408300876617}],"sentiment":"neutral","sentiment_score":0.029739680103957652,"num_words":25,"start":855.465,"end":874.18},{"sentences":[{"text":"Definitely.","start":874.18,"end":874.68,"sentiment":"neutral","sentiment_score":0.006692953407764435},{"text":"And, look, if you did wanna keep that longer than 60, realistically, you don't have to keep insurances longer than the age of 60.","start":875.46,"end":882.285,"sentiment":"neutral","sentiment_score":-0.010384833246159056},{"text":"If you don't want to, these do stay in place.","start":882.285,"end":884.945,"sentiment":"neutral","sentiment_score":-0.007363022677600384},{"text":"They do expire eventually, but you can keep them for a bit a couple more years.","start":885.165,"end":889.02496,"sentiment":"neutral","sentiment_score":-0.04090230248402804},{"text":"We can just review them each year, see how you're going, what they look like, and then, you know, when and if you decide you no longer want them, they're not valid anymore, then we can always look to cancel them.","start":889.40497,"end":899.27997,"sentiment":"neutral","sentiment_score":-0.0540686343773836}],"sentiment":"neutral","sentiment_score":-0.03464591435318732,"num_words":92,"start":874.18,"end":899.27997},{"sentences":[{"text":"But, yeah, for the moment, there's nothing wrong with it.","start":900.14,"end":902.22,"sentiment":"neutral","sentiment_score":0.05289030261337757},{"text":"If you do keep PCED and you claim after 60, that is fully tax free.","start":902.22,"end":908.055,"sentiment":"neutral","sentiment_score":0.1233750194311142},{"text":"So just you know, you are very close to that mark where if you claimed on CBD, you get the whole amount.","start":908.055,"end":914.15497,"sentiment":"neutral","sentiment_score":0.1050134226679802},{"text":"All good.","start":917.25494,"end":918.07495,"sentiment":"positive","sentiment_score":0.5273396819829941},{"text":"Excellent.","start":918.375,"end":918.875,"sentiment":"positive","sentiment_score":0.4982110857963562}],"sentiment":"neutral","sentiment_score":0.12485428132116795,"num_words":50,"start":900.14,"end":918.875},{"sentences":[{"text":"Now the other thing I do have here is your income protection benefit.","start":919.095,"end":922.45496,"sentiment":"neutral","sentiment_score":0.12120990913647872},{"text":"So income protection pays out a monthly benefit in the event that you're off work in the short term due to illness or injury.","start":922.45496,"end":929.07,"sentiment":"neutral","sentiment_score":0.0637538400478661},{"text":"The monthly benefit you have at the moment here is about $5,001.82.","start":929.53,"end":933.95,"sentiment":"neutral","sentiment_score":0.07994682931651671},{"text":"It's a pretax benefit because you do pay tax on this the same as you do your income.","start":934.25,"end":938.88495,"sentiment":"neutral","sentiment_score":0.10493229164017571},{"text":"And you have a four week waiting period and a two year benefit period.","start":939.505,"end":943.605,"sentiment":"neutral","sentiment_score":0.041209908069244454}],"sentiment":"neutral","sentiment_score":0.08062843079276291,"num_words":81,"start":919.095,"end":943.605},{"sentences":[{"text":"Do you understand how the waiting periods and benefit periods work?","start":943.82495,"end":947.02496,"sentiment":"neutral","sentiment_score":0.011915889483961191},{"text":"Did you want me to kinda go to those in detail for you?","start":947.02496,"end":949.745,"sentiment":"neutral","sentiment_score":0.014551665347356062},{"text":"Or yeah.","start":949.745,"end":963.24,"sentiment":"neutral","sentiment_score":0.008168589323759079},{"text":"So our waiting period is how long you have to wait prior to making a claim.","start":963.24,"end":967.16003,"sentiment":"neutral","sentiment_score":-0.02476106968242675},{"text":"So with a four week waiting period, you've gotta be off work for four weeks before they'll accept the claim.","start":967.16003,"end":972.375,"sentiment":"neutral","sentiment_score":-0.04455090062692761}],"sentiment":"neutral","sentiment_score":-0.015332443789849359,"num_words":62,"start":943.82495,"end":972.375},{"sentences":[{"text":"And then it generally takes another sort of four weeks to receive the payment, so you technically don't receive it for about two months.","start":972.755,"end":979.09503,"sentiment":"neutral","sentiment_score":0.0053199462514991564},{"text":"And it's two year benefit, Harry.","start":980.78,"end":982.22003,"sentiment":"neutral","sentiment_score":0.14828368897239366},{"text":"You're exactly spot on there.","start":982.22003,"end":983.9,"sentiment":"positive","sentiment_score":0.38266451358795167},{"text":"The benefit can be paid for up to two years.","start":983.9,"end":986.48004,"sentiment":"neutral","sentiment_score":0.061225532181560995},{"text":"At that two year mark, if you still can't go back to work, they stop paying the benefit, and then we gotta look at other ways, maybe accessing super or, you know, trying to get you back to work or Centrelink or savings or some other way of covering the cost, essentially.","start":986.62,"end":1000.795,"sentiment":"neutral","sentiment_score":-0.043225670931860805}],"sentiment":"neutral","sentiment_score":0.01335282314607163,"num_words":97,"start":972.755,"end":1000.795},{"sentences":[{"text":"But yeah.","start":1001.33496,"end":1002.075,"sentiment":"neutral","sentiment_score":0.0772283561527729},{"text":"Yeah.","start":1002.375,"end":1002.855,"sentiment":"neutral","sentiment_score":0.3241565525531769},{"text":"Beautiful.","start":1002.855,"end":1003.355,"sentiment":"positive","sentiment_score":0.6706031560897827},{"text":"Yeah.","start":1004.535,"end":1005.035,"sentiment":"neutral","sentiment_score":0.21116478741168976},{"text":"With your income at the moment, I don't have a figure here currently.","start":1005.735,"end":1009.195,"sentiment":"neutral","sentiment_score":-0.046133067745428816}],"sentiment":"neutral","sentiment_score":0.042258407092756696,"num_words":18,"start":1001.33496,"end":1009.195},{"sentences":[{"text":"I believe last year, we had a income figure, sorry, of about 80,000, 111.","start":1009.255,"end":1017.27,"sentiment":"neutral","sentiment_score":-0.034575843318764655},{"text":"Has your income increased on that this year?","start":1017.27,"end":1019.85,"sentiment":"neutral","sentiment_score":-0.01481280755251646},{"text":"That's okay.","start":1023.27,"end":1024.0901,"sentiment":"neutral","sentiment_score":0.025673503056168556},{"text":"$108.09 4.","start":1044.66,"end":1046.5801,"sentiment":"neutral","sentiment_score":0.0428778100758791},{"text":"Beautiful.","start":1046.5801,"end":1047.0801,"sentiment":"positive","sentiment_score":0.7089014053344727}],"sentiment":"neutral","sentiment_score":0.009016287582064117,"num_words":27,"start":1009.255,"end":1047.0801},{"sentences":[{"text":"Lovely.","start":1050.42,"end":1050.92,"sentiment":"neutral","sentiment_score":-0.012275375425815582},{"text":"So if we're looking at that, to cover yourself for up to 70% of your current income, you'd roughly need to have a monthly benefit of that 5,885.","start":1051.06,"end":1073.08,"sentiment":"neutral","sentiment_score":-0.0024121807156396763},{"text":"So you're only just a little bit underinsured based on that at the moment.","start":1073.08,"end":1076.86,"sentiment":"neutral","sentiment_score":-0.0824698219075799},{"text":"Are you happy with the income protection level you have?","start":1077.88,"end":1080.5199,"sentiment":"neutral","sentiment_score":0.026667802035808562},{"text":"Did you wanna look at increasing that at all to cover the little bit of the gap, or what's your thoughts there?","start":1080.5199,"end":1086.095,"sentiment":"neutral","sentiment_score":0.0021644508762454443}],"sentiment":"neutral","sentiment_score":-0.012267973367124796,"num_words":75,"start":1050.42,"end":1086.095},{"sentences":[{"text":"Yes.","start":1091.9149,"end":1092.235,"sentiment":"neutral","sentiment_score":0.06673300266265869},{"text":"So we can get a quote to show you what the cost might be.","start":1092.235,"end":1095.1349,"sentiment":"neutral","sentiment_score":0.060590804022337706},{"text":"Admittedly, the increase, and it does mean the cost is gonna go up a little bit.","start":1095.2749,"end":1099.1,"sentiment":"neutral","sentiment_score":-0.05264967822586186},{"text":"At the moment, you did this year, the cost of the insurance was $7,641.16.","start":1099.1,"end":1106.38,"sentiment":"neutral","sentiment_score":-0.0067461880722216195},{"text":"It's looking at a super.","start":1106.38,"end":1107.9199,"sentiment":"neutral","sentiment_score":0.24326165467500688}],"sentiment":"neutral","sentiment_score":0.02388942095451057,"num_words":50,"start":1091.9149,"end":1107.9199},{"sentences":[{"text":"So if you like, I can always obtain a increased quote to show you what the expected premium might look like.","start":1108.7799,"end":1114.625,"sentiment":"neutral","sentiment_score":0.09708816629080545},{"text":"And then I'd probably just get one of my team to do another quick pre assessment with you just to make sure there's no changes to your health, and then we can kinda go from there.","start":1115.005,"end":1123.645,"sentiment":"neutral","sentiment_score":0.06754965904272264},{"text":"But if you want, we can start simple.","start":1123.645,"end":1125.3251,"sentiment":"neutral","sentiment_score":0.10738138388842344},{"text":"I can just get a quote, obtain that, email it through to you so you can see what the cost might look like to increase the income protection, and then we can kind of decide if you wanna proceed with that or if you're happy to keep it as it is.","start":1125.3251,"end":1136.72,"sentiment":"neutral","sentiment_score":0.11680466820504151},{"text":"Does that sound okay?","start":1136.72,"end":1137.86,"sentiment":"neutral","sentiment_score":0.11119488067924976}],"sentiment":"neutral","sentiment_score":0.09776256574938695,"num_words":120,"start":1108.7799,"end":1137.86},{"sentences":[{"text":"Yep.","start":1139.935,"end":1140.435,"sentiment":"neutral","sentiment_score":0.27559661865234375},{"text":"Beautiful.","start":1140.735,"end":1141.235,"sentiment":"positive","sentiment_score":0.6127609014511108},{"text":"Lovely.","start":1141.775,"end":1142.275,"sentiment":"positive","sentiment_score":0.6245731115341187},{"text":"I'll organize that straight after the call for you.","start":1143.2151,"end":1145.6951,"sentiment":"positive","sentiment_score":0.44127454691463047},{"text":"It's not a problem at all.","start":1145.6951,"end":1147.135,"sentiment":"positive","sentiment_score":0.3905261655648549}],"sentiment":"positive","sentiment_score":0.4348643637365765,"num_words":18,"start":1139.935,"end":1147.135},{"sentences":[{"text":"Fantastic.","start":1147.135,"end":1147.635,"sentiment":"positive","sentiment_score":0.527022659778595},{"text":"Now I don't know if anyone has kind of brought up before, but there are other types of insurance that you can hold.","start":1148.8151,"end":1153.615,"sentiment":"neutral","sentiment_score":-0.0427749357249527},{"text":"I know we can essentially ensure everything to the health the way we are these days.","start":1153.615,"end":1157.85,"sentiment":"neutral","sentiment_score":0.061891584540717304},{"text":"But there are other types of personal insurance like trauma, which can pay out a lump sum tax free benefit if you were diagnosed, say, cancer, Parkinson's, had a heart attack or stroke.","start":1158.39,"end":1169.205,"sentiment":"neutral","sentiment_score":-0.05773946473544294},{"text":"So it's a major diagnosis or a major major event.","start":1169.205,"end":1173.465,"sentiment":"neutral","sentiment_score":-0.06132204569876194}],"sentiment":"neutral","sentiment_score":-0.023917569909651527,"num_words":83,"start":1147.135,"end":1173.465},{"sentences":[{"text":"Did you wanna look at getting any additional kind of insurances, or are you fairly happy with what what you've got here at the moment?","start":1174.725,"end":1181.945,"sentiment":"neutral","sentiment_score":-0.07668085977435111},{"text":"Yep.","start":1184.78,"end":1185.28,"sentiment":"neutral","sentiment_score":0.1281374990940094},{"text":"That's absolutely fine.","start":1186.62,"end":1188.0,"sentiment":"neutral","sentiment_score":0.2045724242925644},{"text":"Yeah.","start":1188.5399,"end":1188.94,"sentiment":"neutral","sentiment_score":0.08357551693916321},{"text":"No.","start":1188.94,"end":1189.1799,"sentiment":"neutral","sentiment_score":0.06844564527273178}],"sentiment":"neutral","sentiment_score":-0.03300469548952195,"num_words":31,"start":1174.725,"end":1189.1799},{"sentences":[{"text":"Not a problem at all.","start":1189.1799,"end":1190.5399,"sentiment":"neutral","sentiment_score":0.11841936409473419},{"text":"And it did mention that you've got kids there as well.","start":1190.5399,"end":1193.1,"sentiment":"neutral","sentiment_score":0.05294780585576187},{"text":"I've got them if you don't have any financial dependents.","start":1193.1,"end":1195.52,"sentiment":"neutral","sentiment_score":0.008710762485861778},{"text":"Are your kids technically 18, technically financial dependents, or are they all old and older and self reliant?","start":1195.6599,"end":1202.085,"sentiment":"neutral","sentiment_score":-0.00952439982857969},{"text":"Yep.","start":1205.505,"end":1206.005,"sentiment":"neutral","sentiment_score":0.12929783761501312}],"sentiment":"neutral","sentiment_score":0.027099754454361066,"num_words":45,"start":1189.1799,"end":1206.005},{"sentences":[{"text":"Beautiful.","start":1206.145,"end":1206.645,"sentiment":"positive","sentiment_score":0.5023206472396851},{"text":"Lovely.","start":1206.945,"end":1207.445,"sentiment":"positive","sentiment_score":0.5627350807189941},{"text":"Lovely.","start":1209.1849,"end":1209.6849,"sentiment":"positive","sentiment_score":0.5989941358566284},{"text":"Excellent.","start":1212.44,"end":1212.94,"sentiment":"positive","sentiment_score":0.5821475982666016},{"text":"And I can also see on the bottom here that you have a will.","start":1213.48,"end":1217.32,"sentiment":"neutral","sentiment_score":0.19128738982336863}],"sentiment":"neutral","sentiment_score":0.27356782886717057,"num_words":18,"start":1206.145,"end":1217.32},{"sentences":[{"text":"It was done up about 16 ago, but it is fairly accurate to your circumstances.","start":1217.32,"end":1221.82,"sentiment":"neutral","sentiment_score":0.1424175759156545},{"text":"Is that correct?","start":1222.28,"end":1223.18,"sentiment":"neutral","sentiment_score":0.08622149874766667},{"text":"Have to get updated?","start":1226.855,"end":1227.9149,"sentiment":"neutral","sentiment_score":-0.028697721660137177},{"text":"No.","start":1229.4149,"end":1229.9149,"sentiment":"neutral","sentiment_score":-0.0841066837310791},{"text":"Updated.","start":1232.855,"end":1233.355,"sentiment":"neutral","sentiment_score":0.042290098965168}],"sentiment":"neutral","sentiment_score":0.0932633609821399,"num_words":24,"start":1217.32,"end":1233.355},{"sentences":[{"text":"Not a problem.","start":1233.4149,"end":1234.0549,"sentiment":"neutral","sentiment_score":0.055764262254039444},{"text":"Do you have a local solicitor that you use to have your will updated?","start":1234.0549,"end":1237.6749,"sentiment":"neutral","sentiment_score":0.018022522064191953},{"text":"Yep.","start":1242.32,"end":1242.82,"sentiment":"neutral","sentiment_score":-0.007436031010001898},{"text":"Yep.","start":1246.0,"end":1246.5,"sentiment":"neutral","sentiment_score":-0.04767695069313049},{"text":"No.","start":1251.6,"end":1251.9199,"sentiment":"neutral","sentiment_score":0.08285612612962723}],"sentiment":"neutral","sentiment_score":0.022367562004365026,"num_words":20,"start":1233.4149,"end":1251.9199},{"sentences":[{"text":"Not a problem at all.","start":1251.9199,"end":1253.315,"sentiment":"neutral","sentiment_score":0.19100434482097625},{"text":"Fantastic.","start":1253.375,"end":1253.875,"sentiment":"positive","sentiment_score":0.6518118381500244},{"text":"It is definitely worth updating every couple of years, and our circumstances can very much change.","start":1253.9349,"end":1259.235,"sentiment":"positive","sentiment_score":0.37392493057996035},{"text":"I do also have your beneficiaries nominated on file here as well.","start":1259.695,"end":1263.375,"sentiment":"neutral","sentiment_score":0.23511241376399994},{"text":"So we do have on your super I believe it is Georgina and Daniel to receive 50% of your super benefit each.","start":1263.375,"end":1271.1001,"sentiment":"neutral","sentiment_score":0.1950506865978241}],"sentiment":"neutral","sentiment_score":0.26253743789025713,"num_words":56,"start":1251.9199,"end":1271.1001},{"sentences":[{"text":"Is that how you wanted your super paid out?","start":1271.3201,"end":1273.48,"sentiment":"neutral","sentiment_score":0.1630722905198733},{"text":"You're comfortable with that one?","start":1273.48,"end":1274.86,"sentiment":"neutral","sentiment_score":0.14456270188093184},{"text":"Yep.","start":1276.6001,"end":1277.0801,"sentiment":"neutral","sentiment_score":0.1403709352016449},{"text":"Beautiful.","start":1277.0801,"end":1277.5801,"sentiment":"positive","sentiment_score":0.5132554769515991},{"text":"Fantastic.","start":1277.64,"end":1278.14,"sentiment":"positive","sentiment_score":0.5122567415237427}],"sentiment":"neutral","sentiment_score":0.19743219280944152,"num_words":17,"start":1271.3201,"end":1278.14},{"sentences":[{"text":"I'm just having a quick look to see if I can see what's on your insurance policy there as well.","start":1278.28,"end":1284.015,"sentiment":"neutral","sentiment_score":0.1290464133489877},{"text":"It doesn't look like it gives me the beneficiary nominated, but I can go back and just quickly grab the beneficiary form.","start":1284.015,"end":1290.735,"sentiment":"neutral","sentiment_score":-0.06852988094430078},{"text":"I do apologize.","start":1290.735,"end":1291.555,"sentiment":"neutral","sentiment_score":-0.14872529357671738},{"text":"Benefit.","start":1293.535,"end":1294.035,"sentiment":"neutral","sentiment_score":-0.029041536152362823},{"text":"There we go.","start":1294.0951,"end":1294.995,"sentiment":"neutral","sentiment_score":-0.015555365942418575}],"sentiment":"neutral","sentiment_score":0.01125280349990543,"num_words":49,"start":1278.28,"end":1294.995},{"sentences":[{"text":"Okay.","start":1303.9701,"end":1304.4701,"sentiment":"neutral","sentiment_score":0.02232435718178749},{"text":"And so on your life insurance benefit, I had it noted here that you wanted 50% to go to Joseph, so that's your husband.","start":1304.53,"end":1313.4249,"sentiment":"neutral","sentiment_score":0.02399000443983823},{"text":"And then I've also got 25% each to be paid to Georgina and Daniel.","start":1313.885,"end":1318.205,"sentiment":"neutral","sentiment_score":0.03666899832231658},{"text":"Is that still comfortable for you?","start":1318.205,"end":1320.145,"sentiment":"neutral","sentiment_score":0.02510497843225797},{"text":"Yes.","start":1321.645,"end":1322.0449,"sentiment":"neutral","sentiment_score":0.19031932950019836}],"sentiment":"neutral","sentiment_score":0.03157390522487138,"num_words":46,"start":1303.9701,"end":1322.0449},{"sentences":[{"text":"Beautiful.","start":1322.0449,"end":1322.5449,"sentiment":"positive","sentiment_score":0.6185687780380249},{"text":"Fantastic.","start":1322.98,"end":1323.2999,"sentiment":"positive","sentiment_score":0.6956567168235779},{"text":"Just making sure that's all up to date and accurate.","start":1323.2999,"end":1325.96,"sentiment":"positive","sentiment_score":0.6459518432617187},{"text":"Lovely.","start":1326.0199,"end":1326.5199,"sentiment":"positive","sentiment_score":0.5428714156150818},{"text":"I also have other assets noted here.","start":1327.62,"end":1330.0199,"sentiment":"neutral","sentiment_score":0.17941414351974214}],"sentiment":"positive","sentiment_score":0.47862571738660337,"num_words":20,"start":1322.0449,"end":1330.0199},{"sentences":[{"text":"Your car, you've got a Mazda.","start":1330.0199,"end":1331.5599,"sentiment":"neutral","sentiment_score":0.06265482244392236},{"text":"Last time we all caught up, we had an asset value about 9,000.","start":1332.1,"end":1336.465,"sentiment":"neutral","sentiment_score":0.054088460138210885},{"text":"What sort of value would you put on the car now?","start":1336.465,"end":1338.465,"sentiment":"neutral","sentiment_score":0.03470636802640828},{"text":"Do you think what's the value with it to you?","start":1338.465,"end":1340.645,"sentiment":"neutral","sentiment_score":0.03368268366903067},{"text":"That's 4?","start":1341.585,"end":1346.225,"sentiment":"neutral","sentiment_score":0.01097657810896635}],"sentiment":"neutral","sentiment_score":0.0433244989918811,"num_words":42,"start":1330.0199,"end":1346.225},{"sentences":[{"text":"Beautiful.","start":1346.225,"end":1346.725,"sentiment":"neutral","sentiment_score":0.2610313892364502},{"text":"And you own the car outright?","start":1346.865,"end":1348.4049,"sentiment":"neutral","sentiment_score":0.08433173845211665},{"text":"Yep.","start":1350.3,"end":1350.6201,"sentiment":"neutral","sentiment_score":0.10906074941158296},{"text":"Fantastic.","start":1350.6201,"end":1351.1201,"sentiment":"neutral","sentiment_score":0.32044491171836853},{"text":"And do you have any other assets or liabilities you'd note down?","start":1351.9801,"end":1355.8201,"sentiment":"neutral","sentiment_score":0.07568782505889733}],"sentiment":"neutral","sentiment_score":0.10022768484694618,"num_words":21,"start":1346.225,"end":1355.8201},{"sentences":[{"text":"Any other cars, boats, caravans, or collections?","start":1355.8201,"end":1359.4401,"sentiment":"neutral","sentiment_score":0.011858138255774975},{"text":"No.","start":1359.9801,"end":1360.38,"sentiment":"neutral","sentiment_score":-0.05257394537329674},{"text":"That's okay.","start":1360.38,"end":1361.2001,"sentiment":"neutral","sentiment_score":0.025846815900877118},{"text":"Fantastic.","start":1362.14,"end":1362.64,"sentiment":"positive","sentiment_score":0.3573438823223114},{"text":"And I've got your husband, Joseph, down as your next of kin there.","start":1363.515,"end":1366.635,"sentiment":"neutral","sentiment_score":0.13957005051466134}],"sentiment":"neutral","sentiment_score":0.09391171638465796,"num_words":24,"start":1355.8201,"end":1366.635},{"sentences":[{"text":"I just need to update the file and grab a contact number for him.","start":1366.635,"end":1370.155,"sentiment":"neutral","sentiment_score":0.07816158421337605},{"text":"Could I grab that off you?","start":1370.155,"end":1371.6951,"sentiment":"neutral","sentiment_score":0.03585855631778637},{"text":"Yep.","start":1374.3151,"end":1374.8151,"sentiment":"neutral","sentiment_score":0.008058845065534115},{"text":"Yep.","start":1377.91,"end":1378.41,"sentiment":"neutral","sentiment_score":0.008381612598896027},{"text":"167.","start":1381.27,"end":1382.39,"sentiment":"neutral","sentiment_score":0.03146343305706978}],"sentiment":"neutral","sentiment_score":0.059013800331107945,"num_words":23,"start":1366.635,"end":1382.39},{"sentences":[{"text":"Beautiful.","start":1382.39,"end":1382.79,"sentiment":"positive","sentiment_score":0.3924714326858521},{"text":"Thank you so much for that.","start":1382.79,"end":1384.49,"sentiment":"positive","sentiment_score":0.5646206140518188},{"text":"Having a look, now the looking goals wise for you with where we were sort of tracking, I know things could definitely have changed since you came on board originally, but we haven't noticed that you were hoping to access super around about the age 67.","start":1385.51,"end":1399.065,"sentiment":"neutral","sentiment_score":0.029129551399661148},{"text":"Looking forward, what age are you sort of hoping to be able to retire and access your super?","start":1400.085,"end":1404.505,"sentiment":"neutral","sentiment_score":0.054755844796697296},{"text":"Yep.","start":1408.37,"end":1408.87,"sentiment":"neutral","sentiment_score":-0.04714871942996979}],"sentiment":"neutral","sentiment_score":0.08414737455960777,"num_words":72,"start":1382.39,"end":1408.87},{"sentences":[{"text":"No.","start":1411.33,"end":1411.65,"sentiment":"neutral","sentiment_score":-0.13301078975200653},{"text":"That's understandable.","start":1411.65,"end":1412.5499,"sentiment":"neutral","sentiment_score":-0.11597725749015808},{"text":"And you're 59 in November this year.","start":1415.97,"end":1418.71,"sentiment":"neutral","sentiment_score":-0.004245472805840629},{"text":"Yeah.","start":1420.6349,"end":1421.0349,"sentiment":"neutral","sentiment_score":0.13468991219997406},{"text":"Beautiful.","start":1421.0349,"end":1421.5349,"sentiment":"neutral","sentiment_score":0.3265617787837982}],"sentiment":"neutral","sentiment_score":0.005547339717547099,"num_words":12,"start":1411.33,"end":1421.5349},{"sentences":[{"text":"Well, not a problem.","start":1421.6749,"end":1422.3949,"sentiment":"neutral","sentiment_score":0.07715444540372118},{"text":"And if you're happy with that, I can still leave age 67 as the access point there for you.","start":1422.3949,"end":1427.7749,"sentiment":"neutral","sentiment_score":0.24055651143977516},{"text":"Just so you are fully aware, though, you can actually retire at age 60 if you choose to fully retire and stop working.","start":1428.6349,"end":1434.98,"sentiment":"neutral","sentiment_score":0.10865216038149336},{"text":"They do allow you to access your fees at that point.","start":1434.98,"end":1437.64,"sentiment":"neutral","sentiment_score":0.18292022835124622},{"text":"Alternatively, at age 65, you can then start growing your income or taking lump sums regardless of whether you're working or not.","start":1438.58,"end":1446.255,"sentiment":"neutral","sentiment_score":0.1588469073176384}],"sentiment":"neutral","sentiment_score":0.16310057798223687,"num_words":79,"start":1421.6749,"end":1446.255},{"sentences":[{"text":"You don't really have to wait till 67.","start":1446.255,"end":1448.335,"sentiment":"neutral","sentiment_score":0.15156841836869717},{"text":"It's more just what we're tracking forward with go wise to yourself.","start":1448.335,"end":1451.615,"sentiment":"neutral","sentiment_score":0.13475792979200682},{"text":"But do you think you'd be working to 67, or do you think you probably wanna retire a bit earlier?","start":1451.615,"end":1456.435,"sentiment":"neutral","sentiment_score":0.02860896517522633},{"text":"Yep.","start":1460.51,"end":1461.01,"sentiment":"neutral","sentiment_score":0.023758254945278168},{"text":"That's okay.","start":1461.47,"end":1462.4501,"sentiment":"neutral","sentiment_score":-0.011330788955092432}],"sentiment":"neutral","sentiment_score":0.07913763918589022,"num_words":43,"start":1446.255,"end":1462.4501},{"sentences":[{"text":"No.","start":1463.47,"end":1463.79,"sentiment":"neutral","sentiment_score":-0.024394288659095764},{"text":"That's okay.","start":1463.79,"end":1464.59,"sentiment":"neutral","sentiment_score":0.03544153459370136},{"text":"Not a problem at all.","start":1464.59,"end":1466.05,"sentiment":"neutral","sentiment_score":0.13809599876403808},{"text":"And I can see with your contributions, there's no additional contributions going in this sort of employer paid.","start":1466.43,"end":1471.535,"sentiment":"neutral","sentiment_score":0.04621573620372348},{"text":"Are you wanting to make additional contributions to Boost Super even more, or you're just finding it's not really preferable right now?","start":1471.535,"end":1478.835,"sentiment":"neutral","sentiment_score":-0.023336125707084484}],"sentiment":"neutral","sentiment_score":0.021988692926242948,"num_words":48,"start":1463.47,"end":1478.835},{"sentences":[{"text":"Nope.","start":1481.535,"end":1481.775,"sentiment":"neutral","sentiment_score":-0.13559891283512115},{"text":"That's okay.","start":1481.775,"end":1482.675,"sentiment":"neutral","sentiment_score":-0.0493408665060997},{"text":"Not a problem at all.","start":1483.6101,"end":1484.5701,"sentiment":"neutral","sentiment_score":0.06354217380285263},{"text":"If you ever did want to, please let us know.","start":1484.5701,"end":1486.49,"sentiment":"neutral","sentiment_score":0.036421642638742924},{"text":"We are happy to update the advice and reflect that.","start":1486.49,"end":1489.31,"sentiment":"neutral","sentiment_score":0.1911516085267067}],"sentiment":"neutral","sentiment_score":0.08425581195790853,"num_words":28,"start":1481.535,"end":1489.31},{"sentences":[{"text":"When you do reach the age of 60, there are some other really cool strategies we can put in place as well where we can increase contributions, but we can also access a little bit of super to keep your take home pay relatively the same as well.","start":1489.6101,"end":1502.585,"sentiment":"neutral","sentiment_score":0.1781736104749143},{"text":"So if you're wanting to, when we get closer to 60, we can always have that conversation and talk through some different strategies and maybe update the advice to see where we can boost on your super if you like.","start":1502.585,"end":1514.2,"sentiment":"neutral","sentiment_score":0.13794188648462297},{"text":"Yeah.","start":1516.1,"end":1516.5,"sentiment":"positive","sentiment_score":0.46898800134658813},{"text":"Fantastic.","start":1516.5,"end":1517.0,"sentiment":"positive","sentiment_score":0.7093360424041748},{"text":"Excellent.","start":1517.46,"end":1517.96,"sentiment":"positive","sentiment_score":0.6289780735969543}],"sentiment":"neutral","sentiment_score":0.17447594373108266,"num_words":91,"start":1489.6101,"end":1517.96},{"sentences":[{"text":"And do you have any other goals that you're looking to achieve over the next sort of one, two, five, or ten years aside from, you know, accessing sick from retirement?","start":1518.6599,"end":1527.255,"sentiment":"neutral","sentiment_score":0.14474553182240454},{"text":"Nope.","start":1530.755,"end":1531.155,"sentiment":"neutral","sentiment_score":-0.12442341446876526},{"text":"That's okay.","start":1531.155,"end":1531.895,"sentiment":"neutral","sentiment_score":0.00911014960729517},{"text":"Are you hoping to have the the like, the unit's mortgage paid down by retirement, or do you think you'll probably sell that?","start":1532.755,"end":1540.25,"sentiment":"neutral","sentiment_score":-0.00436126548068031},{"text":"What's the long term plan for the unit?","start":1540.25,"end":1542.27,"sentiment":"neutral","sentiment_score":-0.008711079135537148}],"sentiment":"neutral","sentiment_score":0.06478324049385265,"num_words":65,"start":1518.6599,"end":1542.27},{"sentences":[{"text":"No.","start":1546.97,"end":1547.47,"sentiment":"neutral","sentiment_score":-0.16607391834259033},{"text":"Probably sell it.","start":1549.93,"end":1551.0701,"sentiment":"neutral","sentiment_score":-0.07477013766765594},{"text":"Yes.","start":1553.185,"end":1553.505,"sentiment":"neutral","sentiment_score":-0.007860278710722923},{"text":"That's okay.","start":1553.505,"end":1555.325,"sentiment":"neutral","sentiment_score":0.024646646808832884},{"text":"Absolutely fine.","start":1556.145,"end":1557.365,"sentiment":"neutral","sentiment_score":-0.002236198168247938}],"sentiment":"neutral","sentiment_score":-0.0392693014194568,"num_words":9,"start":1546.97,"end":1557.365},{"sentences":[{"text":"Yeah.","start":1557.905,"end":1558.405,"sentiment":"neutral","sentiment_score":-0.05961338430643082},{"text":"That's alright.","start":1558.625,"end":1559.265,"sentiment":"neutral","sentiment_score":-0.0344572514295578},{"text":"See what life throws at you.","start":1559.265,"end":1560.545,"sentiment":"neutral","sentiment_score":-0.021478180773556232},{"text":"Hey.","start":1560.545,"end":1561.045,"sentiment":"neutral","sentiment_score":0.09128798544406892},{"text":"No.","start":1563.025,"end":1563.345,"sentiment":"neutral","sentiment_score":0.2152852565050125}],"sentiment":"neutral","sentiment_score":0.004470570012927055,"num_words":11,"start":1557.905,"end":1563.345},{"sentences":[{"text":"Not a problem at all.","start":1563.345,"end":1564.465,"sentiment":"positive","sentiment_score":0.34922012090682986},{"text":"That's absolutely fantastic.","start":1564.465,"end":1565.765,"sentiment":"positive","sentiment_score":0.7989089886347452},{"text":"So as I kinda mentioned, you've got that email there that does have all the documents attached that we do have there.","start":1566.73,"end":1572.25,"sentiment":"neutral","sentiment_score":0.2269262962720611},{"text":"So your superannuation insurance summary, the asset performance report there for you as well.","start":1572.25,"end":1576.89,"sentiment":"neutral","sentiment_score":0.2406167228307043},{"text":"We've also got a certificate of currency for your nearest insurance policy.","start":1576.89,"end":1580.6699,"sentiment":"neutral","sentiment_score":0.21521619210640588}],"sentiment":"neutral","sentiment_score":0.2694006163094725,"num_words":56,"start":1563.345,"end":1580.6699},{"sentences":[{"text":"I'll go back and get an increased quote and email that through to you so you can let me know whether you wanna go ahead and look to increase that or whether you're happy just to keep the premiums as they are.","start":1581.375,"end":1590.675,"sentiment":"neutral","sentiment_score":0.19096187768237932},{"text":"I'll add a little bit of information detail into that email for you as well.","start":1591.215,"end":1594.53,"sentiment":"neutral","sentiment_score":0.15047841469446818},{"text":"And if you find you have additional questions, just come back and let me know.","start":1594.53,"end":1598.15,"sentiment":"neutral","sentiment_score":0.11288647949695588},{"text":"Okay?","start":1598.2101,"end":1598.7101,"sentiment":"neutral","sentiment_score":0.1198125034570694},{"text":"With with the changes we have just made to your portfolio, I'd be inclined not to make any additional switches or alter the investments right now.","start":1600.29,"end":1608.905,"sentiment":"neutral","sentiment_score":-0.029592690989375114}],"sentiment":"neutral","sentiment_score":0.11435631124509706,"num_words":99,"start":1581.375,"end":1608.905},{"sentences":[{"text":"I think just letting them kind of go through what we're seeing at the moment, and we maybe review that in that six months.","start":1608.905,"end":1613.785,"sentiment":"neutral","sentiment_score":0.01886251716253658},{"text":"Are you comfortable with that?","start":1613.785,"end":1615.405,"sentiment":"neutral","sentiment_score":-0.0003006424754858017},{"text":"Yep.","start":1617.145,"end":1617.545,"sentiment":"neutral","sentiment_score":0.21357795596122744},{"text":"Beautiful.","start":1617.545,"end":1618.045,"sentiment":"positive","sentiment_score":0.5757492184638977},{"text":"Excellent.","start":1618.265,"end":1618.765,"sentiment":"positive","sentiment_score":0.5284928679466248}],"sentiment":"neutral","sentiment_score":0.05528178880922496,"num_words":32,"start":1608.905,"end":1618.765},{"sentences":[{"text":"And we've also got attached to that email there, the ongoing service agreement.","start":1619.465,"end":1623.1,"sentiment":"neutral","sentiment_score":0.20835284888744354},{"text":"So if you're happy with how things are going and once they onboard as our client for the next twelve months, I just ask that you sign and return that back just to kind of make sure that we are disclosing everything to you.","start":1623.1,"end":1633.9,"sentiment":"neutral","sentiment_score":0.22846139493313702},{"text":"You do pay an ongoing service fee for having us as your advisers.","start":1633.9,"end":1637.2,"sentiment":"neutral","sentiment_score":0.12438077651537381},{"text":"It is 1.65 percent per annum, and it's deducted in smaller monthly increments that you're through for there.","start":1637.775,"end":1644.355,"sentiment":"neutral","sentiment_score":0.03713170635617442},{"text":"So, essentially, with the ongoing service fee, when the market is performing really well, the fee does increase a little bit with it.","start":1644.495,"end":1650.96,"sentiment":"neutral","sentiment_score":0.009234353414048319}],"sentiment":"neutral","sentiment_score":0.13746485901107122,"num_words":111,"start":1619.465,"end":1650.96},{"sentences":[{"text":"However, when the market does take a bit of a dip as it is a percentage based fee, it dives with the market as well.","start":1651.2,"end":1656.5599,"sentiment":"neutral","sentiment_score":-0.014100819900631905},{"text":"So it's about making sure that our fee is fluctuating along with your portfolio and the market as a whole.","start":1656.5599,"end":1662.64,"sentiment":"neutral","sentiment_score":0.04623773992061615},{"text":"Does that make sense?","start":1662.64,"end":1663.44,"sentiment":"neutral","sentiment_score":0.037420006934553385},{"text":"Do you have any questions in relation to that?","start":1663.44,"end":1665.6,"sentiment":"neutral","sentiment_score":0.0040844398447208935},{"text":"Yeah.","start":1665.6,"end":1666.095,"sentiment":"neutral","sentiment_score":0.01584266871213913}],"sentiment":"neutral","sentiment_score":0.013127406033040103,"num_words":59,"start":1651.2,"end":1666.095},{"sentences":[{"text":"Yep.","start":1666.255,"end":1666.655,"sentiment":"neutral","sentiment_score":0.04380486533045769},{"text":"Beautiful.","start":1666.655,"end":1667.155,"sentiment":"positive","sentiment_score":0.4061636924743652},{"text":"All good.","start":1668.4149,"end":1668.975,"sentiment":"positive","sentiment_score":0.544440507888794},{"text":"You've also got the financial services guide attached in our overview guide, which has all the information on myself, my licensing information as an adviser, and all the other details that I see you as well.","start":1668.975,"end":1679.0549,"sentiment":"neutral","sentiment_score":0.24073970276448461},{"text":"So if there is anything that you ever have, let me know.","start":1679.0549,"end":1682.0,"sentiment":"neutral","sentiment_score":0.18294851978619894}],"sentiment":"neutral","sentiment_score":0.2384780982795816,"num_words":52,"start":1666.255,"end":1682.0},{"sentences":[{"text":"I'm more than happy to make time to have a chat.","start":1682.0,"end":1684.18,"sentiment":"positive","sentiment_score":0.5948616591366854},{"text":"I'll get cracking on this quote for you to get that organized.","start":1684.3201,"end":1687.46,"sentiment":"positive","sentiment_score":0.43495850016673404},{"text":"Oh, and the only other thing I have to let you know is that updating another form of tax there is the tax file opt in form.","start":1688.3201,"end":1693.995,"sentiment":"neutral","sentiment_score":0.05298006437994816},{"text":"So we do hold your tax file number.","start":1693.995,"end":1696.0951,"sentiment":"neutral","sentiment_score":0.049503556452691555},{"text":"It's important that we do do so because we help set up your super and your life insurances.","start":1696.7151,"end":1700.8151,"sentiment":"neutral","sentiment_score":0.12310883485608631}],"sentiment":"neutral","sentiment_score":0.20796617723413205,"num_words":76,"start":1682.0,"end":1700.8151},{"sentences":[{"text":"But that document is just outlining the reasoning of why and how we hold your tax file number, and we are very security conscious.","start":1701.515,"end":1707.935,"sentiment":"neutral","sentiment_score":0.04829279783492287},{"text":"So we are just getting that form updated.","start":1707.995,"end":1710.5701,"sentiment":"neutral","sentiment_score":0.08149783220142126},{"text":"So you will see that attached there.","start":1710.5701,"end":1712.41,"sentiment":"neutral","sentiment_score":0.08646590794835772},{"text":"I just want to make sure that I go through that with you and explain that we're not gonna disclose it to anyone.","start":1712.41,"end":1717.9501,"sentiment":"neutral","sentiment_score":0.07820311787983646},{"text":"It's just we have to hold it because of your safe and your life cover, and we just wanna make sure that you're aware of the information we hold, and it goes through that detail for you on the form.","start":1718.01,"end":1727.635,"sentiment":"neutral","sentiment_score":0.10471834717318415}],"sentiment":"neutral","sentiment_score":0.08238898783776105,"num_words":102,"start":1701.515,"end":1727.635},{"sentences":[{"text":"Okay?","start":1727.935,"end":1728.435,"sentiment":"neutral","sentiment_score":0.07455378770828247},{"text":"Beautiful.","start":1730.735,"end":1731.235,"sentiment":"positive","sentiment_score":0.4311621487140655},{"text":"Legend.","start":1732.975,"end":1733.475,"sentiment":"positive","sentiment_score":0.4085682928562164},{"text":"Thank you so much, Jenny.","start":1734.77,"end":1736.61,"sentiment":"positive","sentiment_score":0.6092864155769349},{"text":"Do you have any questions?","start":1736.61,"end":1737.65,"sentiment":"neutral","sentiment_score":0.198770971596241}],"sentiment":"positive","sentiment_score":0.3811208588572649,"num_words":13,"start":1727.935,"end":1737.65},{"sentences":[{"text":"I know I go through a lot, and I'm so sorry.","start":1737.65,"end":1739.8099,"sentiment":"neutral","sentiment_score":-0.13075623864477331},{"text":"Is there anything you wanted to ask me or anything I may have missed?","start":1739.8099,"end":1742.69,"sentiment":"neutral","sentiment_score":-0.06415309464292866},{"text":"Or no.","start":1742.69,"end":1746.23,"sentiment":"neutral","sentiment_score":-0.12464652583003044},{"text":"Beautiful.","start":1747.265,"end":1747.765,"sentiment":"positive","sentiment_score":0.6065231561660767},{"text":"No worries.","start":1749.025,"end":1749.6649,"sentiment":"neutral","sentiment_score":0.33006250858306885}],"sentiment":"neutral","sentiment_score":-0.04397022761404514,"num_words":30,"start":1737.65,"end":1749.6649},{"sentences":[{"text":"We'll all get that quote through, and then we can kinda go from there for you.","start":1749.6649,"end":1753.1849,"sentiment":"positive","sentiment_score":0.3938832152634859},{"text":"Okay?","start":1753.1849,"end":1753.6849,"sentiment":"neutral","sentiment_score":0.2337945401668549},{"text":"My pleasure.","start":1755.265,"end":1755.9049,"sentiment":"positive","sentiment_score":0.781085878610611},{"text":"Hope you have a lovely afternoon and a great weekend ahead.","start":1755.9049,"end":1759.105,"sentiment":"positive","sentiment_score":0.7693952918052673},{"text":"We're Tuesday now, but the weekend is not far 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Jenny speaking. Yeah. Good. Thank you. How are you? Yes. It is. Yeah. Pretty good. Yes. That's fine. My full name is Jenny Broomhall. My date of birth is, hang on, the twenty ninth of the eleventh nineteen sixty seven. Sorry. And what was it? The address is 13 Blue Gum Court in Cowles, Victoria. Oh, sorry. Hang on. Hang on. Sorry? It's eleven. Oh my god. The my mom no. I'm sorry. My daughter's gone. It's eleven, mom, not 13. So, yeah, my mother's house is 13, Selwood Street. So, yeah, I've gotten confused. Oh, god. Oh, dear. Yeah. Yeah. Hang on just a moment. I didn't have access. I do it's just gonna take a while, obviously, to open everything up. Yep. Hang on just a moment. This I don't know what's happening to my emails at the moment. This is I'm quite painful. Anyway yeah. And once it's up and running, it's fine. It's just getting into things these days. Okay. I can see it now. No. Not that I can think of. Yep. Yep. Yep. Yep. No. I don't remember. Sorry. Okay. Right. Right. Right. Yep. Yes. It makes sense. And, no, I don't have any questions. Yep. Yes. Yeah. Yeah. It does. Yep. Thank you. Six months. Perfectly. Yeah. Yeah. Yep. That sounds good. No. Yeah. No. It's all good. I yep. I get it. Yeah. Yep. Yep. That sounds excellent. Yep. Probably just pay out the beneficiaries. Yeah. And and just they can deal with it. If that makes sense. They can deal with the mortgage. It's about $7.50. And I've also bought another property that's yeah. Yeah. So that's a a what's it called? An apartment. Yep. So it's about $4.20. No. No. I'm living well, yeah, kind of. I'm living in it as well as living in Phillip Island. Like, I'm doing both. It's because we're I've had to get work in the city. So, yep, had to go and have a place to stay. Yeah. That's that's right. No. No. Just just on one. Yeah. Just on the unit on the apartment. I I would say about 470. I don't know. Yep. Yep. Yep. Exactly. No. I know at this stage. I'm I'm quite comfortable with that. Yeah. Gosh. Isn't that? Mhmm. Thank you. Yeah. Look at this stage. I'll be 60 next year, so nothing happens before then. Yep. Yep. Yep. Yep. Yep. Yep. Beautiful. So I'm assuming the waiting period is like it would for anything. So if you put it in, you'd wait four weeks before getting it. And I'm assuming the period would be over two years. Yeah? K. Good. Yep. Yep. Yep. Oh, that's good to know. Yes. It has. Hang on just a moment. Let me find it. I'm just trying to find a relatively up to date, basically. So it's now at $108.09 4. So how would I go about increasing it? Yep. Yep. Yep. Yep. Yeah. That sounds good. Let's do that. Look. I'm I'm fairly happy with what I've got at the moment, but, yeah, that seems to suit me right now. Yep. Yeah. They're all oldest and self aligned now. No. I'll have to update it. I was thinking about that today. Yeah. I have to find it and update it. Yeah. Yeah. We do. So it's just a matter of because they've moved. I don't know what's happened to the wheel. So, yeah, I'll get my husband to look into that. Yep. Yes. I am. Yep. It's probably only about 4. Yes. No. No. So it's 03 5952 6167. That's okay. I would love it to be 67. I don't know if I can continue doing work anymore. That's correct. Yeah. I'll probably keep going. Yep. I don't know yet. Yep. No. It's not doable right now. So yeah. Okay. Yeah. K. That sounds good. No. Not at this stage. I don't know. Probably we'll probably we'll probably sell it. I don't know yet. But it's yeah. I don't know. It's we could. We might leave it. I don't know. Just don't know. Exactly. Yep. Sounds good. Yes. I am. Yeah. Yeah. It does. Yeah. No. No. That's all good. Yep. Right. Yep. Yep. Not a problem. So that I've signed all that and sending it now. No. No. There's nothing at the moment. Yeah. All good. Lovely. Yeah. That sounds good. Excellent. That's true. Thank you so much, Dana. Beautiful. Thank you so much. Have a great afternoon. Thank you. Bye. 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Jenny speaking. Yeah. Good. Thank you.\n\nHow are you? Yes. It is. Yeah. Pretty good.\n\nYes. That's fine. My full name is Jenny Broomhall. My date of birth is, hang on, the twenty ninth of the eleventh nineteen sixty seven. Sorry.\n\nAnd what was it? The address is 13 Blue Gum Court in Cowles, Victoria. Oh, sorry. Hang on. Hang on.\n\nSorry? It's eleven. Oh my god. The my mom no. I'm sorry.\n\nMy daughter's gone. It's eleven, mom, not 13. So, yeah, my mother's house is 13, Selwood Street. So, yeah, I've gotten confused. Oh, god.\n\nOh, dear. Yeah. Yeah. Hang on just a moment. I didn't have access.\n\nI do it's just gonna take a while, obviously, to open everything up. Yep. Hang on just a moment. This I don't know what's happening to my emails at the moment. This is I'm quite painful.\n\nAnyway yeah. And once it's up and running, it's fine. It's just getting into things these days. Okay. I can see it now.\n\nNo. Not that I can think of. Yep. Yep. Yep.\n\nYep. No. I don't remember. Sorry. Okay.\n\nRight. Right. Right. Yep. Yes.\n\nIt makes sense. And, no, I don't have any questions. Yep. Yes. Yeah.\n\nYeah. It does. Yep. Thank you. Six months.\n\nPerfectly. Yeah. Yeah. Yep. That sounds good.\n\nNo. Yeah. No. It's all good. I yep.\n\nI get it. Yeah. Yep. Yep. That sounds excellent.\n\nYep. Probably just pay out the beneficiaries. Yeah. And and just they can deal with it. If that makes sense.\n\nThey can deal with the mortgage. It's about $7.50. And I've also bought another property that's yeah. Yeah. So that's a a what's it called?\n\nAn apartment. Yep. So it's about $4.20. No. No.\n\nI'm living well, yeah, kind of. I'm living in it as well as living in Phillip Island. Like, I'm doing both. It's because we're I've had to get work in the city. So, yep, had to go and have a place to stay.\n\nYeah. That's that's right. No. No. Just just on one.\n\nYeah. Just on the unit on the apartment. I I would say about 470. I don't know. Yep.\n\nYep. Yep. Exactly. No. I know at this stage.\n\nI'm I'm quite comfortable with that. Yeah. Gosh. Isn't that? Mhmm.\n\nThank you. Yeah. Look at this stage. I'll be 60 next year, so nothing happens before then. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nBeautiful. So I'm assuming the waiting period is like it would for anything. So if you put it in, you'd wait four weeks before getting it. And I'm assuming the period would be over two years. Yeah?\n\nK. Good. Yep. Yep. Yep.\n\nOh, that's good to know. Yes. It has. Hang on just a moment. Let me find it.\n\nI'm just trying to find a relatively up to date, basically. So it's now at $108.09 4. So how would I go about increasing it? Yep. Yep.\n\nYep. Yep. Yeah. That sounds good. Let's do that.\n\nLook. I'm I'm fairly happy with what I've got at the moment, but, yeah, that seems to suit me right now. Yep. Yeah. They're all oldest and self aligned now.\n\nNo. I'll have to update it. I was thinking about that today. Yeah. I have to find it and update it.\n\nYeah. Yeah. We do. So it's just a matter of because they've moved. I don't know what's happened to the wheel.\n\nSo, yeah, I'll get my husband to look into that. Yep. Yes. I am. Yep.\n\nIt's probably only about 4. Yes. No. No. So it's 03 5952 6167.\n\nThat's okay. I would love it to be 67. I don't know if I can continue doing work anymore. That's correct. Yeah.\n\nI'll probably keep going. Yep. I don't know yet. Yep. No.\n\nIt's not doable right now. So yeah. Okay. Yeah. K.\n\nThat sounds good. No. Not at this stage. I don't know. Probably we'll probably we'll probably sell it.\n\nI don't know yet. But it's yeah. I don't know. It's we could. We might leave it.\n\nI don't know. Just don't know. Exactly. Yep. Sounds good.\n\nYes. I am. Yeah. Yeah. It does.\n\nYeah. No. No. That's all good. Yep.\n\nRight. Yep. Yep. Not a problem. So that I've signed all that and sending it now.\n\nNo. No. There's nothing at the moment. Yeah. All good.\n\nLovely. Yeah. That sounds good. Excellent. That's true.\n\nThank you so much, Dana. Beautiful. Thank you so much. Have a great afternoon. Thank you.\n\nBye. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.48,"end":0.96,"sentiment":"neutral","sentiment_score":0.02357516437768936},{"text":"Jenny speaking.","start":0.96,"end":1.78,"sentiment":"neutral","sentiment_score":0.020619962364435196},{"text":"Yeah.","start":6.3999996,"end":6.72,"sentiment":"neutral","sentiment_score":0.19797106087207791},{"text":"Good.","start":6.72,"end":6.96,"sentiment":"positive","sentiment_score":0.4381852149963379},{"text":"Thank you.","start":6.96,"end":7.44,"sentiment":"positive","sentiment_score":0.4623553156852722}],"sentiment":"neutral","sentiment_score":0.23224028519221715,"num_words":7,"start":0.48,"end":7.44},{"sentences":[{"text":"How are you?","start":7.44,"end":8.26,"sentiment":"neutral","sentiment_score":0.3018231491247813},{"text":"Yes.","start":15.505,"end":15.745001,"sentiment":"neutral","sentiment_score":0.23414255678653717},{"text":"It 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does.","start":1663.84,"end":1664.58,"sentiment":"neutral","sentiment_score":0.0016316038090735674}],"sentiment":"neutral","sentiment_score":0.050010211034012694,"num_words":7,"start":1615.5149,"end":1664.58},{"sentences":[{"text":"Yeah.","start":1664.8,"end":1665.3,"sentiment":"neutral","sentiment_score":0.002649841830134392},{"text":"No.","start":1666.0,"end":1666.4,"sentiment":"neutral","sentiment_score":0.0041143447160720825},{"text":"No.","start":1666.4,"end":1666.72,"sentiment":"neutral","sentiment_score":0.09208524227142334},{"text":"That's all good.","start":1666.72,"end":1667.7,"sentiment":"positive","sentiment_score":0.5538294315338135},{"text":"Yep.","start":1696.7051,"end":1697.2051,"sentiment":"neutral","sentiment_score":0.09206999838352203}],"sentiment":"neutral","sentiment_score":0.26462967454322744,"num_words":7,"start":1664.8,"end":1697.2051},{"sentences":[{"text":"Right.","start":1705.3451,"end":1705.8451,"sentiment":"neutral","sentiment_score":0.03661394864320755},{"text":"Yep.","start":1720.73,"end":1721.23,"sentiment":"neutral","sentiment_score":0.06398629397153854},{"text":"Yep.","start":1722.01,"end":1722.51,"sentiment":"neutral","sentiment_score":0.0761050432920456},{"text":"Not a problem.","start":1728.775,"end":1729.755,"sentiment":"neutral","sentiment_score":0.2489165167013804},{"text":"So that I've signed all that and sending it now.","start":1729.895,"end":1733.995,"sentiment":"positive","sentiment_score":0.359448054432869}],"sentiment":"neutral","sentiment_score":0.2823709612712264,"num_words":16,"start":1705.3451,"end":1733.995},{"sentences":[{"text":"No.","start":1744.32,"end":1744.5599,"sentiment":"neutral","sentiment_score":-0.18353715538978577},{"text":"No.","start":1744.5599,"end":1744.7999,"sentiment":"neutral","sentiment_score":-0.23359642922878265},{"text":"There's nothing at the moment.","start":1744.7999,"end":1746.34,"sentiment":"neutral","sentiment_score":-0.23811208605766296},{"text":"Yeah.","start":1747.12,"end":1747.5199,"sentiment":"neutral","sentiment_score":0.1317192018032074},{"text":"All good.","start":1747.5199,"end":1748.1799,"sentiment":"positive","sentiment_score":0.566948413848877}],"sentiment":"neutral","sentiment_score":-0.034207798540592194,"num_words":10,"start":1744.32,"end":1748.1799},{"sentences":[{"text":"Lovely.","start":1750.115,"end":1750.615,"sentiment":"positive","sentiment_score":0.4821677803993225},{"text":"Yeah.","start":1753.155,"end":1753.5549,"sentiment":"neutral","sentiment_score":0.20038500428199768},{"text":"That sounds good.","start":1753.5549,"end":1754.615,"sentiment":"positive","sentiment_score":0.6815155545870463},{"text":"Excellent.","start":1754.915,"end":1755.415,"sentiment":"positive","sentiment_score":0.7870819568634033},{"text":"That's true.","start":1762.2201,"end":1763.04,"sentiment":"positive","sentiment_score":0.3407522141933441}],"sentiment":"positive","sentiment_score":0.5244607292115688,"num_words":8,"start":1750.115,"end":1763.04},{"sentences":[{"text":"Thank you so much, Dana.","start":1764.06,"end":1765.52,"sentiment":"positive","sentiment_score":0.684288501739502},{"text":"Beautiful.","start":1773.74,"end":1774.24,"sentiment":"positive","sentiment_score":0.772554874420166},{"text":"Thank you so much.","start":1774.3,"end":1775.18,"sentiment":"positive","sentiment_score":0.8358445912599564},{"text":"Have a great afternoon.","start":1775.18,"end":1776.56,"sentiment":"positive","sentiment_score":0.7327583730220795},{"text":"Thank you.","start":1777.9229,"end":1778.643,"sentiment":"positive","sentiment_score":0.5993100106716156}],"sentiment":"positive","sentiment_score":0.7291893288493156,"num_words":16,"start":1764.06,"end":1778.643},{"sentences":[{"text":"Bye.","start":1778.643,"end":1779.143,"sentiment":"neutral","sentiment_score":0.2064238041639328},{"text":"Bye.","start":1779.8429,"end":1780.3429,"sentiment":"neutral","sentiment_score":-0.10473981499671936}],"sentiment":"neutral","sentiment_score":0.05084199458360672,"num_words":2,"start":1778.643,"end":1780.3429}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Jenny speaking.\n\nChannel 0: Hi, Jenny. This is Dana from Financial. How are you this afternoon?\n\nChannel 1: Yeah. Good. Thank you. How are you?\n\nChannel 0: Yeah. Very well. Thank you. Thanks for asking. I had you booked in to go through your annual review today.\n\nIs now still a good time there for you?\n\nChannel 1: Yes. It is.\n\nChannel 0: Fantastic. And how's your day been so far?\n\nChannel 1: Yeah. Pretty good.\n\nChannel 0: Oh, fantastic. Jenny, 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: Yes. That's fine.\n\nChannel 0: Fantastic. And this is a security day with you as well. We are discussing your personal information. So I just need to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: My full name is Jenny Broomhall. My date of birth is, hang on, the twenty ninth of the eleventh nineteen sixty seven.\n\nChannel 0: Yeah.\n\nChannel 1: Sorry.\n\nChannel 0: No. You're right.\n\nChannel 1: And what was it? The address is 13\n\nChannel 0: Yes.\n\nChannel 1: Blue Gum Court in Cowles, Victoria.\n\nChannel 0: Oh, I had a different number\n\nChannel 1: Oh,\n\nChannel 0: here. 13. That's okay. I can update that for\n\nChannel 1: sorry.\n\nChannel 0: you. I\n\nChannel 1: Hang\n\nChannel 0: had\n\nChannel 1: on.\n\nChannel 0: eleven.\n\nChannel 1: Hang on. Sorry? It's\n\nChannel 0: I had\n\nChannel 1: eleven.\n\nChannel 0: a\n\nChannel 1: Oh my god.\n\nChannel 0: eleven?\n\nChannel 1: The\n\nChannel 0: I'm so sorry.\n\nChannel 1: my mom no. I'm sorry. My daughter's gone. It's eleven, mom, not 13. So,\n\nChannel 0: No. That's\n\nChannel 1: yeah, my mother's house is 13, Selwood Street. So, yeah, I've gotten confused. Oh,\n\nChannel 0: oh,\n\nChannel 1: god.\n\nChannel 0: that's honestly okay. I hope today is have a good day for you.\n\nChannel 1: Oh,\n\nChannel 0: Just one of\n\nChannel 1: dear.\n\nChannel 0: those afternoons.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: No. Honest it's not a problem at all there, Jenny. Excellent. Thank you so much for that. Now as part of the annual review, we do send through some documents to you just to kinda go through the things that we are discussing today.\n\nDo you have access to your emails? If you don't, that's okay.\n\nChannel 1: Hang on just a moment. I didn't have access.\n\nChannel 0: That's okay.\n\nChannel 1: I do it's just gonna take a while, obviously, to open everything up.\n\nChannel 0: No. That's okay. You're absolutely fine. I've just sent through an email to you, sir. Hopefully, when you log in there, you should see it come from Odoo sign.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful.\n\nChannel 1: Hang on just a moment. This I don't know\n\nChannel 0: Yay.\n\nChannel 1: what's happening\n\nChannel 0: You're\n\nChannel 1: to\n\nChannel 0: right.\n\nChannel 1: my emails at the moment. This is I'm quite painful. Anyway\n\nChannel 0: Yeah. Gotta love technology when it wants to work.\n\nChannel 1: yeah. And once it's up and running, it's fine. It's just getting into things these days. Okay. I can see it now.\n\nChannel 0: Yep. Beautiful. Lovely. Now before we jump into going through your review as such, is there anything particular you wanna be to touch base on or any questions that you might have for me today?\n\nChannel 1: No. Not that I can think of.\n\nChannel 0: No. That's okay. Not a problem at all. Well, I'll start by just sort of going through and giving you an update on your super debt. It's probably the ones that you're interested in looking at.\n\nWhen you open that email there, you will see I have got some attachments at the very bottom. That does include the asset performance report and your super balance. The summary of your superannuation and insurances there as well. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Now having a bit of a look at things. So when we completed your last annual review, that was about February last year. So your balance then was about a $169,007.75 and 82¢. Your balance as of the June 12, which is when we prepped the documents there for you, is up to a 173,810 and 38¢.\n\nSo it is definitely an increase on last year, albeit a much smaller increase. A lot of what we have seen over the past few months with Iran and Trump in The US has seen a lot of volatility in the market, so that means that this year we have expected and had, unfortunately, a much lower rate of return, and some super funds are experiencing a negative return at the moment, but we wanna sort of see if they could come out from that as well. Okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Sorry. To give you an update, so the return, as I've kinda mentioned, has been quite low. We actually, for the last twelve months, seen a negative return. So negative of 1.04%. So just under a 1% return there, negative 1% return there\n\nChannel 1: Yep.\n\nChannel 0: for the year, which isn't great. As I kinda mentioned, it's we've got a lot to do with the volatility we have seen early this year between Iran and The US, but it's also because one of your investments was underperforming a little bit as well. So early this year, you originally and used to have the Benelon Australian equities in your in your portfolio, and that was more of an actively managed investment. Do you remember seeing an email come through probably around about March? It would've stated record of advice.\n\nIf you don't, that's okay.\n\nChannel 1: No. I don't remember. Sorry.\n\nChannel 0: No. That's okay. It's not a problem at all. So, essentially, that email was sent out in March. And because one of your underlying investments is underperforming significantly, we also made a decision to remove that.\n\nThat investment\n\nChannel 1: Okay.\n\nChannel 0: wasn't doing really well. They had some underlying issues. So if you and our investment committee made a decision to remove that from your portfolio completely.\n\nChannel 1: Right.\n\nChannel 0: So we removed the Banda Long Australian Equities investment, removed the underperforming investment for you, and we've reinvested those funds in what's called the beta shares a 200. Now that\n\nChannel 1: Right.\n\nChannel 0: investment is essentially giving you greater diversification. So one of the biggest things between the two investments was Benelon as an active manager Generally held about 15 to 20 different investments in their investment option there, whereas the BetaShares a 200 is giving you exposure to the top 200 companies on the ASX. So it's giving you a greater level of exposure, and this investment has seen a greater return, hasn't had the underlying issues that that been a long investment did have early this year. So we wanted to take that action nice and quick for you, remove that. We have seen enough volatility with what was going on.\n\nYou didn't need underperforming investments as well. So we did send that advice document through and updated this one for you as well. Okay?\n\nChannel 1: Right. Yep.\n\nChannel 0: Beautiful. Now because you have seen that negative return over the past twelve months there, I did also just pull up a report to have a look at what's been happening since we made that change for you. So since we removed that along out over the last four weeks, the last one month, your portfolio has made a positive 2.95% return. It's net of fees. So since making that switch there, we can see your portfolio recovering out a little bit, and that's really important.\n\nWe wanna keep monitoring that moving forward. Does that make sense? And do you have any questions?\n\nChannel 1: Yes. It makes sense. And, no, I don't have any questions.\n\nChannel 0: No. No problem, Lidore. I never wanna hide when portfolios are not working or when there is volatility\n\nChannel 1: Yep.\n\nChannel 0: and a negative return. I'd rather explain and be open and honest to\n\nChannel 1: Yes.\n\nChannel 0: you. We all know investments do go up and down. There are years of a lower return or a negative return, and it's about taking advantage of those times. So whilst there is a low return at the moment, the volatility we are seeing, essentially, with your contributions going in, we can take advantage of those downtime. And if your portfolio comes out and recovers, it does mean that you'll get some really good growth coming out of that.\n\nDoes that make\n\nChannel 1: Yeah.\n\nChannel 0: sense?\n\nChannel 1: Yeah. It does.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful.\n\nChannel 1: Thank you.\n\nChannel 0: Beautiful. That's okay. But it is really good to see that 2.95% to 10 net as a positive for the last one month. So I think with what's happening overseas, a lot of that was sort of factored into the market early on this year, and we are sort of seeing a little bit more of a recovery point from that. I know I'm definitely hearing less and less of it, and, yeah, the market doesn't seem to be as concerned about what's going on there at the moment.\n\nSo we'll just keep monitoring things moving forward, seeing how everything's going. I would like to maybe do a bit of a catch up with you in maybe the next three or six months depending on what your preference is just to sort of see how your portfolio is going. Would you like to catch up in three or six months? What's your preference?\n\nChannel 1: Six months. Perfectly.\n\nChannel 0: Six\n\nChannel 1: Yeah.\n\nChannel 0: months.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Not a problem at all. Beautiful. Not a lot happens in the three months mark, so that's absolutely fine. We'll do six months, and we'll see how things are tracking for you and if any further changes need to come out of that for you.\n\nOkay?\n\nChannel 1: Yep. That sounds good.\n\nChannel 0: Beautiful. Fantastic. Do you have any other questions in relation to your soup or anything that's kinda come out of that little bit of the conversation at all? You're welcome to ask\n\nChannel 1: No.\n\nChannel 0: me anything you like. No?\n\nChannel 1: Yeah. No.\n\nChannel 0: That's\n\nChannel 1: It's\n\nChannel 0: okay.\n\nChannel 1: all good. I yep. I get it.\n\nChannel 0: Excellent. Fantastic. Now I did also go back and have a bit of a look at your original advice document there as well and sorta had noted that the projected outcome about five years from when you came on board, which was around 2020, they're expecting to have about a $168,005.89 in your account there. So as of last year, we definitely hit that five five year projected mark, which does mean it is good. You are tracking quite nicely,\n\nChannel 1: Yeah.\n\nChannel 0: and we'll\n\nChannel 1: Yep.\n\nChannel 0: just keep monitoring things moving forward. Okay?\n\nChannel 1: Yep. That sounds excellent.\n\nChannel 0: Fantastic. Now the other documents in there we do have on the summaries of renovation insurances is your insurance information. So having a look there, you do have some insurances through Neos Life, and you've got some life cover with a current son insured of 210,720. Life obviously pays out a lump sum benefit to your beneficiaries in the event that you were to pass away. Touchwood, nothing happens.\n\nChannel 1: Yep.\n\nChannel 0: In the event of passing, your super balance is also paid out to your beneficiaries there. With your goal and the life cover, exactly, was there anything particular you wanted to have covered or paid off, or is it just having the amount paid out to your beneficiaries to allow them to to grieve and take time? What was it that you were wanting your life cover to to do?\n\nChannel 1: Probably just pay out the beneficiaries. Yeah. And and just they can deal with it. If that makes\n\nChannel 0: I love that. Yep. That's\n\nChannel 1: sense. They\n\nChannel 0: absolutely\n\nChannel 1: can deal with the\n\nChannel 0: fine.\n\nChannel 1: mortgage.\n\nChannel 0: Fantastic. With the mortgage, I do have a note here that your the value on your property was about 800,000 last time we called up. What sort of value would you put on the property now, do you think?\n\nChannel 1: It's about $7.50.\n\nChannel 0: Yep.\n\nChannel 1: And I've also bought another property that's\n\nChannel 0: Okay.\n\nChannel 1: yeah. Yeah.\n\nChannel 0: Beautiful.\n\nChannel 1: So that's a a what's it called? An apartment. Yep.\n\nChannel 0: Oh, beautiful. Fantastic. Excellent. An apartment purchase. And what's the value would you put on the on the apartment?\n\nChannel 1: So it's about $4.20.\n\nChannel 0: 420,000. Beautiful. And are you renting that out as well? Or\n\nChannel 1: No. No. I'm living well, yeah, kind of. I'm living in\n\nChannel 0: yep.\n\nChannel 1: it as well as living\n\nChannel 0: Okay.\n\nChannel 1: in Phillip Island. Like, I'm doing both. It's because\n\nChannel 0: Okay.\n\nChannel 1: we're I've had to get work in the city.\n\nChannel 0: Okay.\n\nChannel 1: So, yep, had to go and have a place to stay.\n\nChannel 0: Oh, fair enough. Fair enough. It's like having your own home in two locations, having to rent or get accommodation all the time. Absolutely.\n\nChannel 1: Yeah. That's that's right.\n\nChannel 0: Yeah. No. Fantastic. And so do you have a mortgage on both properties, the technical unit as well as your main primary residence\n\nChannel 1: No.\n\nChannel 0: or just\n\nChannel 1: No.\n\nChannel 0: a loan\n\nChannel 1: Just\n\nChannel 0: on one skip?\n\nChannel 1: just on one. Yeah. Just on the unit on the apartment.\n\nChannel 0: Oh, fantastic. And how much do you have owing on that one at the moment?\n\nChannel 1: I I would say about 470. I don't know.\n\nChannel 0: Yep. No. That's okay. I can just put an approximate. That's absolutely\n\nChannel 1: Yep.\n\nChannel 0: fine. Not a problem at all. So, realistically, depending on sort of how things went with your life cover there, with your life benefit paid at and your super balance there, you know, the that can be paid out to your beneficiaries. They could look to sell the unit and all the other property\n\nChannel 1: Yep.\n\nChannel 0: and then split the difference between the two of them.\n\nChannel 1: Yep.\n\nChannel 0: There's a few different things that could definitely happen there. But with your\n\nChannel 1: Exactly.\n\nChannel 0: life benefit, are you fairly comfortable with that level? Did you wanna look at reviewing that amount at all? Or\n\nChannel 1: No. I know at this stage. I'm I'm quite comfortable\n\nChannel 0: no?\n\nChannel 1: with that. Yeah.\n\nChannel 0: Fantastic. Excellent. Now the other thing you do have is total permit disability, which pays out a lump sum benefit or an income stream in the event that you're unable to ever go back to work again due to permanent incapacity. A lot of people aren't aware, but TBD, unfortunately, if you're 60 and claim on it is actually a taxable payment, I don't like that. I don't think the government should be taxing people who are are permanently unable to go back to work.\n\nBut, unfortunately, on a lump sum payment or even an income stream, depending on how much you draw down and your age of drawing it down, they capped it up to 22%. So it is quite a high tax, unfortunately.\n\nChannel 1: Gosh. Isn't\n\nChannel 0: In\n\nChannel 1: that?\n\nChannel 0: the event it's horrible. It's awful. In the event of, say, claiming on that, we would obviously help provide financial advice on how to limit the tax, how to draw down, keep the money working harder for you as well. So we would look to help limit that as much as possible, but it does mean that the amount that you are essentially insured for, you're not guaranteed to receive that exact amount if you do claim and draw it down. In\n\nChannel 1: Mhmm.\n\nChannel 0: saying that, if you did wanna increase the factoring the the tax side of things, it does increase the cost of the premiums as well. So it is\n\nChannel 1: Thank\n\nChannel 0: one\n\nChannel 1: you.\n\nChannel 0: thing one thing to sort of consider. Just wanting to double check there. Are you fairly happy having the same level of of TBD as you have live? Or\n\nChannel 1: Yeah. Look at this stage. I'll be 60 next year, so nothing happens before then.\n\nChannel 0: Yep. Yeah. No. Definitely.\n\nChannel 1: Yep.\n\nChannel 0: And, look, if you did wanna keep that longer than 60, realistically, you don't have to keep insurances longer than the age of 60. If you don't want to, these do\n\nChannel 1: Yep.\n\nChannel 0: stay in place. They do expire eventually, but you can keep them for a bit a couple more years.\n\nChannel 1: Yep.\n\nChannel 0: We can just review them each year, see how you're going, what they look like, and then, you know, when and if you decide you no longer want them, they're not valid anymore, then we can always look to cancel them.\n\nChannel 1: Yep.\n\nChannel 0: But, yeah, for the moment, there's nothing wrong with it. If you do keep PCED and you claim after 60, that is fully tax free. So\n\nChannel 1: Yep.\n\nChannel 0: just you\n\nChannel 1: Yep.\n\nChannel 0: know, you are very close to that mark where if you claimed on CBD, you get the whole amount.\n\nChannel 1: Beautiful.\n\nChannel 0: All good. Excellent. Now the other thing I do have here is your income protection benefit. So income protection pays out a monthly benefit in the event that you're off work in the short term due to illness or injury. The monthly benefit you have at the moment here is about $5,001.82.\n\nIt's a pretax benefit because you do pay tax on this the same as you do your income. And you have a four week waiting period and a two year benefit period. Do you understand how the waiting periods and benefit periods work? Did you want me to kinda go to those in detail for you? Or\n\nChannel 1: So I'm assuming the waiting period is like it would for anything. So if you put it in, you'd wait four weeks before getting it. And I'm assuming the period would be over two years. Yeah?\n\nChannel 0: yeah. So our waiting period is how long you have to wait prior to making a claim. So with a four week waiting period, you've gotta be off work for four weeks before they'll accept\n\nChannel 1: K.\n\nChannel 0: the claim. And\n\nChannel 1: Good.\n\nChannel 0: then it generally takes another sort of four weeks to receive the payment, so you technically don't receive it for about two months.\n\nChannel 1: Yep.\n\nChannel 0: And it's two year benefit, Harry. You're exactly spot on there. The\n\nChannel 1: Yep.\n\nChannel 0: benefit can be paid for up to two years. At that two year mark, if you still can't go back to work, they stop paying the benefit, and then we gotta look at other ways, maybe accessing super or, you know, trying to get you back to work or Centrelink or savings or some other way of covering the cost, essentially. But\n\nChannel 1: Yep.\n\nChannel 0: yeah.\n\nChannel 1: Oh,\n\nChannel 0: Yeah.\n\nChannel 1: that's good\n\nChannel 0: Beautiful. Yeah. With your income at the moment, I don't have a figure here currently. I believe last year, we had a\n\nChannel 1: to know.\n\nChannel 0: income figure, sorry, of about 80,000, 111. Has your income increased on that this year?\n\nChannel 1: Yes. It has. Hang on just a moment.\n\nChannel 0: That's\n\nChannel 1: Let me\n\nChannel 0: okay.\n\nChannel 1: find it. I'm just trying to find a relatively up to date, basically. So it's now at $108.09 4.\n\nChannel 0: $108.09 4. Beautiful. Lovely. So if we're looking at that, to cover yourself for up to 70% of your current income, you'd roughly need to have a monthly benefit of that 5,885. So you're only just a little bit underinsured based on that at the moment.\n\nAre you happy with the income protection level you have? Did you wanna look at increasing that at all to cover the little bit of the gap, or what's your thoughts there?\n\nChannel 1: So how would I go about increasing it?\n\nChannel 0: Yes. So we can get a quote to show you what the cost might be. Admittedly,\n\nChannel 1: Yep.\n\nChannel 0: the increase, and it does mean the cost is gonna go up a little bit. At the moment, you did this year, the cost of the insurance was $7,641.16. It's looking\n\nChannel 1: Yep.\n\nChannel 0: at a super.\n\nChannel 1: Yep.\n\nChannel 0: So if you like, I can always obtain a increased quote to show you what the expected premium might look like. And then I'd probably just get one of my team to do another quick pre assessment with you just to make sure there's no changes to your health,\n\nChannel 1: Yep.\n\nChannel 0: and then we can kinda go from there. But if you want, we can start simple. I can just get a quote, obtain that, email it through to you so you can see what the cost might look like to increase the income protection, and then we can kind of decide if you wanna proceed with that or if you're happy to keep it as it is. Does that sound okay?\n\nChannel 1: Yeah. That sounds good. Let's do that.\n\nChannel 0: Yep. Beautiful. Lovely. I'll organize that straight after the call for you. It's not a problem at all.\n\nFantastic. Now I don't know if anyone has kind of brought up before, but there are other types of insurance that you can hold. I know we can essentially ensure everything to the health the way we are these days. But there are other types of personal insurance like trauma, which can pay out a lump sum tax free benefit if you were diagnosed, say, cancer, Parkinson's, had a heart attack or stroke. So it's a major diagnosis or a major major event.\n\nDid you wanna look at getting any additional kind of insurances, or are you fairly happy with what what you've got here at the moment?\n\nChannel 1: Look. I'm I'm fairly happy with what I've got at the moment,\n\nChannel 0: Yep.\n\nChannel 1: but, yeah, that seems to\n\nChannel 0: That's\n\nChannel 1: suit\n\nChannel 0: absolutely\n\nChannel 1: me right now.\n\nChannel 0: fine.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. No. Not a problem at all. And it did mention that you've got kids there as well. I've got them if you don't have any financial dependents.\n\nAre your kids technically 18, technically financial dependents, or are they all old and older and self reliant?\n\nChannel 1: Yeah. They're all oldest and self aligned now.\n\nChannel 0: Yep. Beautiful. Lovely. Lovely. Excellent.\n\nAnd I can also see on the bottom here that you have a will. It was done up about 16 ago, but it is fairly accurate to your circumstances. Is that correct?\n\nChannel 1: No. I'll have to update it. I was thinking\n\nChannel 0: Have\n\nChannel 1: about\n\nChannel 0: to get\n\nChannel 1: that\n\nChannel 0: updated?\n\nChannel 1: today. Yeah. I\n\nChannel 0: No.\n\nChannel 1: have to find it and update it. Yeah.\n\nChannel 0: Updated. Not a problem. Do you have a local solicitor that you use to have your will updated?\n\nChannel 1: Yeah. We do. So it's just a matter\n\nChannel 0: Yep.\n\nChannel 1: of because they've moved. I don't know\n\nChannel 0: Yep.\n\nChannel 1: what's happened to the wheel. So, yeah, I'll get my husband to look into that.\n\nChannel 0: No. Not a problem at all. Fantastic. It is definitely worth updating every couple of years, and our circumstances can very much change. I do also have your beneficiaries nominated on file here as well.\n\nSo we do have on your super I believe it is Georgina and Daniel to receive 50% of your super benefit each. Is that how you wanted your super paid out? You're comfortable with that\n\nChannel 1: Yep.\n\nChannel 0: one?\n\nChannel 1: Yes. I am.\n\nChannel 0: Yep. Beautiful. Fantastic. I'm just having a quick look to see if I can see what's on your insurance policy there as well. It doesn't look like it gives me the beneficiary nominated, but I can go back and just quickly grab the beneficiary form.\n\nI do apologize. Benefit. There we go. Okay. And so on your life insurance benefit, I had it noted here that you wanted 50% to go to Joseph, so that's your husband.\n\nAnd then I've also got 25% each to be paid to Georgina and Daniel. Is that still comfortable for you? Yes. Beautiful. Fantastic.\n\nJust making sure that's all up to date and accurate. Lovely. I also have other assets\n\nChannel 1: Yep.\n\nChannel 0: noted here. Your car, you've got a Mazda. Last time we all caught up, we had an asset value about 9,000. What sort of value would you put on the car now? Do you think what's the value with it to you?\n\nThat's\n\nChannel 1: It's probably only about 4.\n\nChannel 0: 4? Beautiful. And you own the car outright?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Fantastic. And do you have any other assets or liabilities you'd note down? Any other cars, boats, caravans, or\n\nChannel 1: No.\n\nChannel 0: collections? No.\n\nChannel 1: No.\n\nChannel 0: That's okay. Fantastic. And I've got your husband, Joseph, down as your next of kin there. I just need to update the file and grab a contact number for him. Could I grab that off you?\n\nChannel 1: So it's 03\n\nChannel 0: Yep.\n\nChannel 1: 5952\n\nChannel 0: Yep.\n\nChannel 1: 6167.\n\nChannel 0: 167. Beautiful. Thank you so much for that.\n\nChannel 1: That's okay.\n\nChannel 0: Having a look, now the looking goals wise for you with where we were sort of tracking, I know things could definitely have changed since you came on board originally, but we haven't noticed that you were hoping to access super around about the age 67. Looking forward, what age are you sort of hoping to be able to retire and access your super?\n\nChannel 1: I would love it to be 67. I don't know if I can continue\n\nChannel 0: Yep.\n\nChannel 1: doing work anymore.\n\nChannel 0: No. That's understandable. And you're 59 in November this year.\n\nChannel 1: That's correct.\n\nChannel 0: Yeah. Beautiful. Well, not a problem. And if you're happy with that, I can still leave age 67 as the access point there for you. Just so you are fully aware, though, you can actually retire at age 60 if you choose to fully retire and stop working.\n\nThey do allow you to access your fees at that point. Alternatively, at age 65, you can then start growing your income or taking lump sums regardless of whether you're working or not. You don't really have to wait till 67. It's more just what we're tracking\n\nChannel 1: Yeah.\n\nChannel 0: forward with go wise to yourself. But do you think you'd be working to 67, or do you think you probably wanna retire a bit earlier?\n\nChannel 1: I'll probably keep going. Yep.\n\nChannel 0: Yep.\n\nChannel 1: I don't know\n\nChannel 0: That's\n\nChannel 1: yet.\n\nChannel 0: okay. No. That's okay. Not a problem at all. And I can see with your contributions, there's no additional contributions going\n\nChannel 1: Yep.\n\nChannel 0: in this sort of employer paid. Are you wanting to make additional contributions to Boost Super even more, or you're just finding it's not really preferable right now?\n\nChannel 1: No. It's not doable right now. So yeah.\n\nChannel 0: Nope. That's okay. Not a problem at all. If you ever did want to, please let us know. We are happy to update the advice and reflect that.\n\nChannel 1: Okay.\n\nChannel 0: When you do reach the age of 60, there are some other really cool strategies we can put in place as well where we can increase contributions, but we can also access a little bit of super to keep your take home pay relatively the same as well. So if\n\nChannel 1: Yeah.\n\nChannel 0: you're\n\nChannel 1: K.\n\nChannel 0: wanting to, when we get closer to 60, we can always have that conversation and talk through some different strategies and maybe update the advice to see where we can boost on your super if you like.\n\nChannel 1: That sounds good.\n\nChannel 0: Yeah. Fantastic. Excellent. And do you have any other goals that you're looking to achieve over the next sort of one, two, five, or ten years aside from, you know, accessing sick from retirement?\n\nChannel 1: No. Not at this stage.\n\nChannel 0: Nope. That's okay. Are you hoping to have the the like, the unit's mortgage paid down by retirement, or do you think you'll probably sell that? What's the long term plan for the unit?\n\nChannel 1: I don't know. Probably we'll\n\nChannel 0: No.\n\nChannel 1: probably we'll probably sell it. I don't know yet.\n\nChannel 0: Probably\n\nChannel 1: But\n\nChannel 0: sell\n\nChannel 1: it's\n\nChannel 0: it.\n\nChannel 1: yeah. I don't know. It's\n\nChannel 0: Yes. That's okay.\n\nChannel 1: we could. We might\n\nChannel 0: Absolutely\n\nChannel 1: leave it. I\n\nChannel 0: fine.\n\nChannel 1: don't know.\n\nChannel 0: Yeah.\n\nChannel 1: Just don't\n\nChannel 0: That's\n\nChannel 1: know.\n\nChannel 0: alright. See what life throws at you. Hey.\n\nChannel 1: Exactly.\n\nChannel 0: No. Not a problem at all. That's absolutely fantastic. So as I kinda mentioned, you've got that email there that does have all the documents attached that we do have there. So your superannuation insurance summary, the asset performance report there for you as well.\n\nWe've also got a certificate of currency for your nearest insurance policy. I'll go back and get an increased quote and email that through to you so you can let me know whether you wanna go ahead and look to increase that or whether you're happy just to keep the premiums as they are.\n\nChannel 1: Yep.\n\nChannel 0: I'll add a little bit of information detail into that email for you as well. And if you find you have additional questions, just come back and let me know. Okay?\n\nChannel 1: Sounds good.\n\nChannel 0: With with the changes we have just made to your portfolio, I'd be inclined not to make any additional switches or alter the investments right now. I think just letting them kind of go through what we're seeing at the moment, and we maybe review that in that six months. Are you comfortable with that?\n\nChannel 1: Yes. I am.\n\nChannel 0: Yep. Beautiful. Excellent. And we've also got attached to that email there, the ongoing service agreement. So if you're happy with how things are going and once they onboard as our client for the next twelve months, I just ask that you sign and return that back just to kind of make sure that we are disclosing everything to you.\n\nYou do pay an ongoing service fee for having us as your advisers. It is 1.65 percent per annum, and it's deducted in smaller monthly increments that you're through for there. So,\n\nChannel 1: Yeah.\n\nChannel 0: essentially, with the ongoing service fee, when the market is performing really well, the fee does increase a little bit with it. However, when the market does take a bit of a dip as it is a percentage based fee, it dives with the market as well. So it's about making sure that our fee is fluctuating along with your portfolio and the market\n\nChannel 1: Yeah.\n\nChannel 0: as a whole. Does that make sense? Do you have any\n\nChannel 1: It\n\nChannel 0: questions\n\nChannel 1: does.\n\nChannel 0: in relation\n\nChannel 1: Yeah.\n\nChannel 0: to that? Yeah.\n\nChannel 1: No.\n\nChannel 0: Yep.\n\nChannel 1: No.\n\nChannel 0: Beautiful.\n\nChannel 1: That's all good.\n\nChannel 0: All good. You've also got the financial services guide attached in our overview guide, which has all the information on myself, my licensing information as an adviser, and all the other details that I see you as well. So if there is anything that you ever have, let me know. I'm more than happy to make time to have a chat. I'll get cracking on this quote for you to get that organized.\n\nOh, and the only other thing I have to let you know is that updating another form of tax there is the tax file opt in form. So we do hold your tax file number.\n\nChannel 1: Yep.\n\nChannel 0: It's important that we do do so because we help set up your super and your life insurances. But that document is just outlining the reasoning of why and how we hold your\n\nChannel 1: Right.\n\nChannel 0: tax file number, and we are very security conscious. So we are just getting that form updated. So you will see that attached there. I just want to make sure that I go through that with you and explain that we're not gonna disclose it to anyone. It's just we have to hold it because of your safe and your life\n\nChannel 1: Yep.\n\nChannel 0: cover, and we\n\nChannel 1: Yep.\n\nChannel 0: just wanna make sure that you're aware of the information we hold, and it goes through that detail for you on the form. Okay?\n\nChannel 1: Not a problem. So that I've signed\n\nChannel 0: Beautiful.\n\nChannel 1: all that and sending it\n\nChannel 0: Legend.\n\nChannel 1: now.\n\nChannel 0: Thank you so much, Jenny. Do you have any questions? I know I go through a lot, and I'm so sorry. Is there anything you wanted to ask me or anything I may have missed? Or\n\nChannel 1: No. No. There's nothing at the\n\nChannel 0: no.\n\nChannel 1: moment. Yeah.\n\nChannel 0: Beautiful.\n\nChannel 1: All good.\n\nChannel 0: No worries. We'll all get\n\nChannel 1: Lovely.\n\nChannel 0: that quote through, and then we can kinda go from there for you.\n\nChannel 1: Yeah.\n\nChannel 0: Okay?\n\nChannel 1: That sounds good. Excellent.\n\nChannel 0: My pleasure. Hope you have a lovely afternoon and a great weekend ahead. We're Tuesday now, but the weekend is not far\n\nChannel 1: That's true. Thank you so much,\n\nChannel 0: off.\n\nChannel 1: Dana.\n\nChannel 0: My pleasure. Enjoy your afternoon, Jenny. It was a pleasure talking to you. I'll get cracking on this quote for you and get an email to you shortly.\n\nChannel 1: Beautiful. Thank you so much. Have a great afternoon.\n\nChannel 0: You too. Thank you.\n\nChannel 1: Thank you.\n\nChannel 0: See you later.\n\nChannel 1: Bye.\n\nChannel 0: Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.48,"end":0.96,"sentiment":"neutral","sentiment_score":0.02357516437768936},{"text":"Jenny speaking.","start":0.96,"end":1.78,"sentiment":"neutral","sentiment_score":0.020619962364435196}],"sentiment":"neutral","sentiment_score":0.021605029702186584,"channel":1,"num_words":3,"start":0.48,"end":1.78},{"sentences":[{"text":"Hi, Jenny.","start":2.3999999,"end":3.04,"sentiment":"neutral","sentiment_score":0.10308734327554703},{"text":"This is Dana from Financial.","start":3.04,"end":4.26,"sentiment":"neutral","sentiment_score":0.1303747922182083},{"text":"How are you this afternoon?","start":4.7999997,"end":5.94,"sentiment":"neutral","sentiment_score":0.17089977562427522}],"sentiment":"neutral","sentiment_score":0.14271229381362596,"channel":0,"num_words":12,"start":2.3999999,"end":5.94},{"sentences":[{"text":"Yeah.","start":6.3999996,"end":6.72,"sentiment":"neutral","sentiment_score":0.19797106087207791},{"text":"Good.","start":6.72,"end":6.96,"sentiment":"positive","sentiment_score":0.4381852149963379},{"text":"Thank you.","start":6.96,"end":7.44,"sentiment":"positive","sentiment_score":0.4623553156852722},{"text":"How are you?","start":7.44,"end":8.26,"sentiment":"neutral","sentiment_score":0.3018231491247813}],"sentiment":"positive","sentiment_score":0.3523337649447577,"channel":1,"num_words":7,"start":6.3999996,"end":8.26},{"sentences":[{"text":"Yeah.","start":8.4,"end":8.72,"sentiment":"neutral","sentiment_score":0.22763033211231232},{"text":"Very well.","start":8.72,"end":9.28,"sentiment":"positive","sentiment_score":0.46823108196258545},{"text":"Thank you.","start":9.28,"end":9.679999,"sentiment":"positive","sentiment_score":0.5734231770038605},{"text":"Thanks for asking.","start":9.679999,"end":10.66,"sentiment":"positive","sentiment_score":0.6201302806536356},{"text":"I had you booked in to go through your annual review today.","start":10.719999,"end":13.28,"sentiment":"neutral","sentiment_score":0.28808707743883133}],"sentiment":"positive","sentiment_score":0.38141873106360435,"channel":0,"num_words":20,"start":8.4,"end":13.28},{"sentences":[{"text":"Is now still a good time there for you?","start":13.28,"end":15.38,"sentiment":"neutral","sentiment_score":0.2675300207402971}],"sentiment":"neutral","sentiment_score":0.2675300207402971,"channel":0,"num_words":9,"start":13.28,"end":15.38},{"sentences":[{"text":"Yes.","start":15.505,"end":15.745001,"sentiment":"neutral","sentiment_score":0.23414255678653717},{"text":"It 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fantastic.","start":21.555,"end":22.455,"sentiment":"positive","sentiment_score":0.4873155355453491},{"text":"Jenny, before we jump into the call, just to let you know, we do record our calls for quality and training purposes.","start":22.994999,"end":27.474998,"sentiment":"neutral","sentiment_score":0.1776566207408905},{"text":"Are you happy for me to proceed with that?","start":27.474998,"end":29.575,"sentiment":"neutral","sentiment_score":0.20286020636558533}],"sentiment":"neutral","sentiment_score":0.2032975328691078,"channel":0,"num_words":33,"start":21.555,"end":29.575},{"sentences":[{"text":"Yes.","start":29.86,"end":30.18,"sentiment":"neutral","sentiment_score":0.14807473123073578},{"text":"That's fine.","start":30.18,"end":31.0,"sentiment":"neutral","sentiment_score":0.2547329440712929}],"sentiment":"neutral","sentiment_score":0.21918020645777384,"channel":1,"num_words":3,"start":29.86,"end":31.0},{"sentences":[{"text":"Fantastic.","start":31.4,"end":31.9,"sentiment":"positive","sentiment_score":0.5198374390602112},{"text":"And this is a security day with you as well.","start":32.52,"end":34.44,"sentiment":"neutral","sentiment_score":0.21909153908491136},{"text":"We are discussing your personal information.","start":34.44,"end":36.38,"sentiment":"neutral","sentiment_score":0.12148451432585716},{"text":"So I just need to confirm your full name, your date of birth, and address I should have on file.","start":36.92,"end":41.02,"sentiment":"neutral","sentiment_score":0.12586679831147193}],"sentiment":"neutral","sentiment_score":0.1609998887052407,"channel":0,"num_words":37,"start":31.4,"end":41.02},{"sentences":[{"text":"My full name is Jenny 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confused.","start":84.58,"end":86.28001,"sentiment":"neutral","sentiment_score":-0.11116815358400345},{"text":"Oh,","start":86.9,"end":86.98,"sentiment":"neutral","sentiment_score":0.0050539784133434296}],"sentiment":"neutral","sentiment_score":-0.07492278915430818,"channel":1,"num_words":14,"start":81.78001,"end":86.98},{"sentences":[{"text":"oh,","start":86.954994,"end":87.274994,"sentiment":"neutral","sentiment_score":0.009782139211893082}],"sentiment":"neutral","sentiment_score":0.009782139211893082,"channel":0,"num_words":1,"start":86.954994,"end":87.274994},{"sentences":[{"text":"god.","start":86.98,"end":87.48,"sentiment":"neutral","sentiment_score":0.0321386381983757}],"sentiment":"neutral","sentiment_score":0.0321386381983757,"channel":1,"num_words":1,"start":86.98,"end":87.48},{"sentences":[{"text":"that's honestly okay.","start":87.274994,"end":88.895,"sentiment":"neutral","sentiment_score":0.09610613187154134},{"text":"I hope today is have a good day for you.","start":89.274994,"end":91.95,"sentiment":"neutral","sentiment_score":0.23138819634914398}],"sentiment":"neutral","sentiment_score":0.20016925839277414,"channel":0,"num_words":13,"start":87.274994,"end":91.95},{"sentences":[{"text":"Oh,","start":93.615,"end":94.115,"sentiment":"neutral","sentiment_score":0.02169764414429665}],"sentiment":"neutral","sentiment_score":0.02169764414429665,"channel":1,"num_words":1,"start":93.615,"end":94.115},{"sentences":[{"text":"Just one of","start":93.95,"end":94.509995,"sentiment":"neutral","sentiment_score":0.015238211179773012}],"sentiment":"neutral","sentiment_score":0.015238211179773012,"channel":0,"num_words":3,"start":93.95,"end":94.509995},{"sentences":[{"text":"dear.","start":94.415,"end":94.915,"sentiment":"neutral","sentiment_score":0.015427875332534311}],"sentiment":"neutral","sentiment_score":0.015427875332534311,"channel":1,"num_words":1,"start":94.415,"end":94.915},{"sentences":[{"text":"those afternoons.","start":94.509995,"end":95.25,"sentiment":"neutral","sentiment_score":0.027731167152523994}],"sentiment":"neutral","sentiment_score":0.027731167152523994,"channel":0,"num_words":2,"start":94.509995,"end":95.25},{"sentences":[{"text":"Yeah.","start":95.854996,"end":96.354996,"sentiment":"neutral","sentiment_score":0.04016897827386856},{"text":"Yeah.","start":97.215,"end":97.715,"sentiment":"neutral","sentiment_score":0.035748668015003204}],"sentiment":"neutral","sentiment_score":0.03795882314443588,"channel":1,"num_words":2,"start":95.854996,"end":97.715},{"sentences":[{"text":"No.","start":97.31,"end":97.549995,"sentiment":"neutral","sentiment_score":0.04035453870892525},{"text":"Honest it's not a problem at all there, Jenny.","start":97.549995,"end":100.42999,"sentiment":"neutral","sentiment_score":0.1498783694373237},{"text":"Excellent.","start":100.42999,"end":100.909996,"sentiment":"positive","sentiment_score":0.4956183433532715},{"text":"Thank you so much for that.","start":100.909996,"end":102.53,"sentiment":"positive","sentiment_score":0.5566525558630625},{"text":"Now as part of the annual review, we do send through some documents to you just to kinda go through the things that we are discussing today.","start":102.59,"end":109.225,"sentiment":"neutral","sentiment_score":0.17328321823367365}],"sentiment":"neutral","sentiment_score":0.22507819169285623,"channel":0,"num_words":44,"start":97.31,"end":109.225},{"sentences":[{"text":"Do you have access to your emails?","start":109.605,"end":111.285,"sentiment":"neutral","sentiment_score":0.031542496755719185},{"text":"If you don't, that's okay.","start":111.285,"end":112.585,"sentiment":"neutral","sentiment_score":0.00046168137341737745}],"sentiment":"neutral","sentiment_score":0.01859215701309343,"channel":0,"num_words":12,"start":109.605,"end":112.585},{"sentences":[{"text":"Hang on just a moment.","start":114.04,"end":114.920006,"sentiment":"neutral","sentiment_score":-0.018250370398163795},{"text":"I didn't have access.","start":114.920006,"end":116.060005,"sentiment":"neutral","sentiment_score":-0.1509796753525734}],"sentiment":"neutral","sentiment_score":-0.07724117260012361,"channel":1,"num_words":9,"start":114.04,"end":116.060005},{"sentences":[{"text":"That's okay.","start":115.765,"end":116.505005,"sentiment":"neutral","sentiment_score":-0.06455600261688232}],"sentiment":"neutral","sentiment_score":-0.06455600261688232,"channel":0,"num_words":2,"start":115.765,"end":116.505005},{"sentences":[{"text":"I do it's just gonna take a while, obviously, to open everything up.","start":116.600006,"end":120.700005,"sentiment":"neutral","sentiment_score":-0.02800670054812844}],"sentiment":"neutral","sentiment_score":-0.02800670054812844,"channel":1,"num_words":13,"start":116.600006,"end":120.700005},{"sentences":[{"text":"No.","start":121.34,"end":121.579994,"sentiment":"neutral","sentiment_score":-0.10639806091785432},{"text":"That's okay.","start":121.579994,"end":122.38,"sentiment":"neutral","sentiment_score":0.017641618847846985},{"text":"You're absolutely fine.","start":122.38,"end":123.84,"sentiment":"positive","sentiment_score":0.4928192396958669},{"text":"I've just sent through an email to you, sir.","start":140.69499,"end":142.375,"sentiment":"neutral","sentiment_score":0.2589905576573478},{"text":"Hopefully, when you log in there, you should see it come from Odoo sign.","start":142.375,"end":145.995,"sentiment":"neutral","sentiment_score":0.15112156580601419}],"sentiment":"neutral","sentiment_score":0.2018606840022679,"channel":0,"num_words":29,"start":121.34,"end":145.995},{"sentences":[{"text":"Yep.","start":146.7,"end":147.2,"sentiment":"neutral","sentiment_score":0.16151222586631775}],"sentiment":"neutral","sentiment_score":0.16151222586631775,"channel":1,"num_words":1,"start":146.7,"end":147.2},{"sentences":[{"text":"Beautiful.","start":148.25,"end":148.75,"sentiment":"positive","sentiment_score":0.42303305864334106}],"sentiment":"positive","sentiment_score":0.42303305864334106,"channel":0,"num_words":1,"start":148.25,"end":148.75},{"sentences":[{"text":"Hang on just a moment.","start":150.19499,"end":151.39499,"sentiment":"neutral","sentiment_score":0.14527617245912552},{"text":"This I don't know","start":151.39499,"end":152.19499,"sentiment":"neutral","sentiment_score":-0.11456752568483353}],"sentiment":"neutral","sentiment_score":0.02979008439514372,"channel":1,"num_words":9,"start":150.19499,"end":152.19499},{"sentences":[{"text":"Yay.","start":152.09001,"end":152.57,"sentiment":"neutral","sentiment_score":-0.13744525611400604}],"sentiment":"neutral","sentiment_score":-0.13744525611400604,"channel":0,"num_words":1,"start":152.09001,"end":152.57},{"sentences":[{"text":"what's happening","start":152.19499,"end":152.83499,"sentiment":"neutral","sentiment_score":-0.03965809941291809}],"sentiment":"neutral","sentiment_score":-0.03965809941291809,"channel":1,"num_words":2,"start":152.19499,"end":152.83499},{"sentences":[{"text":"You're","start":152.57,"end":152.89,"sentiment":"neutral","sentiment_score":-0.13146723806858063}],"sentiment":"neutral","sentiment_score":-0.13146723806858063,"channel":0,"num_words":1,"start":152.57,"end":152.89},{"sentences":[{"text":"to","start":152.83499,"end":152.995,"sentiment":"neutral","sentiment_score":-0.14912734925746918}],"sentiment":"neutral","sentiment_score":-0.14912734925746918,"channel":1,"num_words":1,"start":152.83499,"end":152.995},{"sentences":[{"text":"right.","start":152.89,"end":153.39,"sentiment":"neutral","sentiment_score":-0.11793768405914308}],"sentiment":"neutral","sentiment_score":-0.11793768405914308,"channel":0,"num_words":1,"start":152.89,"end":153.39},{"sentences":[{"text":"my emails at the 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up and running, it's fine.","start":163.58,"end":165.34,"sentiment":"positive","sentiment_score":0.33980188705027103},{"text":"It's just getting into things these days.","start":165.34,"end":167.92,"sentiment":"neutral","sentiment_score":0.12834976613521576},{"text":"Okay.","start":169.66,"end":170.16,"sentiment":"neutral","sentiment_score":0.1766379475593567},{"text":"I can see it now.","start":170.3,"end":171.52,"sentiment":"neutral","sentiment_score":0.20872927606105804}],"sentiment":"neutral","sentiment_score":0.2283976057713682,"channel":1,"num_words":22,"start":162.19499,"end":171.52},{"sentences":[{"text":"Yep.","start":172.065,"end":172.465,"sentiment":"neutral","sentiment_score":0.3286638855934143},{"text":"Beautiful.","start":172.465,"end":172.965,"sentiment":"positive","sentiment_score":0.687761664390564},{"text":"Lovely.","start":173.265,"end":173.66501,"sentiment":"positive","sentiment_score":0.6549462080001831},{"text":"Now before we jump into going through your review as 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all.","start":187.37999,"end":188.92,"sentiment":"neutral","sentiment_score":0.2322172313928604},{"text":"Well, I'll start by just sort of going through and giving you an update on your super debt.","start":189.155,"end":192.355,"sentiment":"neutral","sentiment_score":0.18035955727100372},{"text":"It's probably the ones that you're interested in looking at.","start":192.355,"end":195.655,"sentiment":"neutral","sentiment_score":0.17102749049663543}],"sentiment":"neutral","sentiment_score":0.1729428344923589,"channel":0,"num_words":36,"start":186.26,"end":195.655},{"sentences":[{"text":"When you open that email there, you will see I have got some attachments at the very bottom.","start":196.19499,"end":200.935,"sentiment":"neutral","sentiment_score":0.13182069402601984},{"text":"That does include the asset performance report and your super balance.","start":201.155,"end":205.05,"sentiment":"neutral","sentiment_score":0.13785444606434216},{"text":"The summary of your superannuation and insurances there as well.","start":205.13,"end":208.33,"sentiment":"neutral","sentiment_score":0.13885395377874374},{"text":"Okay?","start":208.33,"end":208.83,"sentiment":"neutral","sentiment_score":0.09543605893850328}],"sentiment":"neutral","sentiment_score":0.13432867489755154,"channel":0,"num_words":40,"start":196.19499,"end":208.83},{"sentences":[{"text":"Yep.","start":209.59,"end":210.09,"sentiment":"neutral","sentiment_score":0.19911055266857147}],"sentiment":"neutral","sentiment_score":0.19911055266857147,"channel":1,"num_words":1,"start":209.59,"end":210.09},{"sentences":[{"text":"Beautiful.","start":210.41,"end":210.91,"sentiment":"positive","sentiment_score":0.4947460889816284},{"text":"Now having a bit of a look at things.","start":211.05,"end":212.65001,"sentiment":"neutral","sentiment_score":0.20194081962108612},{"text":"So when we completed your last annual review, that was about February last 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rate of return, and some super funds are experiencing a negative return at the moment, but we wanna sort of see if they could come out from that as well.","start":238.06001,"end":259.285,"sentiment":"negative","sentiment_score":-0.3439272825848566},{"text":"Okay?","start":259.345,"end":259.845,"sentiment":"neutral","sentiment_score":-0.1072697639465332}],"sentiment":"neutral","sentiment_score":-0.2787518996152688,"channel":0,"num_words":88,"start":233.445,"end":259.845},{"sentences":[{"text":"Yep.","start":260.05,"end":260.44998,"sentiment":"neutral","sentiment_score":-0.03494413197040558},{"text":"Yep.","start":260.44998,"end":260.94998,"sentiment":"neutral","sentiment_score":-0.030466219410300255}],"sentiment":"neutral","sentiment_score":-0.03270517569035292,"channel":1,"num_words":2,"start":260.05,"end":260.94998},{"sentences":[{"text":"Sorry.","start":262.47998,"end":262.97998,"sentiment":"neutral","sentiment_score":-0.15799397230148315},{"text":"To give you an update, so the 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it's giving you a greater level of exposure, and this investment has seen a greater return, hasn't had the underlying issues that that been a long investment did have early this year.","start":369.575,"end":379.19,"sentiment":"neutral","sentiment_score":0.07518074209942963},{"text":"So we wanted to take that action nice and quick for you, remove that.","start":379.19,"end":383.35,"sentiment":"neutral","sentiment_score":-0.005533599693860326},{"text":"We have seen enough volatility with what was going on.","start":383.35,"end":386.025,"sentiment":"neutral","sentiment_score":-0.268674498796463}],"sentiment":"neutral","sentiment_score":0.032669106803157114,"channel":0,"num_words":110,"start":349.89,"end":386.025},{"sentences":[{"text":"You didn't need underperforming investments as well.","start":386.025,"end":388.525,"sentiment":"neutral","sentiment_score":-0.22056101049695695},{"text":"So we did send that advice document through and updated this one for you as 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then.","start":865.91504,"end":872.575,"sentiment":"neutral","sentiment_score":-0.017355215130373837}],"sentiment":"neutral","sentiment_score":-0.013800818317880234,"channel":1,"num_words":15,"start":863.91504,"end":872.575},{"sentences":[{"text":"Yep.","start":872.98,"end":873.3,"sentiment":"neutral","sentiment_score":0.029584482312202457},{"text":"Yeah.","start":873.3,"end":873.8,"sentiment":"neutral","sentiment_score":0.01539252419024706},{"text":"No.","start":873.86,"end":874.18,"sentiment":"neutral","sentiment_score":-0.015828408300876617},{"text":"Definitely.","start":874.18,"end":874.68,"sentiment":"neutral","sentiment_score":0.006692953407764435}],"sentiment":"neutral","sentiment_score":0.008960387902334334,"channel":0,"num_words":4,"start":872.98,"end":874.68},{"sentences":[{"text":"Yep.","start":875.275,"end":875.61,"sentiment":"neutral","sentiment_score":0.01846829243004322}],"sentiment":"neutral","sentiment_score":0.01846829243004322,"channel":1,"num_words":1,"start":875.275,"end":875.61},{"sentences":[{"text":"And, look, if you did wanna keep that longer than 60, realistically, you don't have to keep insurances longer than the age of 60.","start":875.46,"end":882.285,"sentiment":"neutral","sentiment_score":-0.010384833246159056},{"text":"If you don't want to, these do","start":882.285,"end":883.805,"sentiment":"neutral","sentiment_score":-0.010801619184868676}],"sentiment":"neutral","sentiment_score":-0.01047894620006123,"channel":0,"num_words":31,"start":875.46,"end":883.805},{"sentences":[{"text":"Yep.","start":883.61,"end":884.11,"sentiment":"neutral","sentiment_score":0.00785626657307148}],"sentiment":"neutral","sentiment_score":0.00785626657307148,"channel":1,"num_words":1,"start":883.61,"end":884.11},{"sentences":[{"text":"stay in place.","start":883.805,"end":884.945,"sentiment":"neutral","sentiment_score":0.0006603691726922989},{"text":"They do expire eventually, but you can keep them for a bit a couple more years.","start":885.165,"end":889.02496,"sentiment":"neutral","sentiment_score":-0.04090230248402804}],"sentiment":"neutral","sentiment_score":-0.034339775380335356,"channel":0,"num_words":19,"start":883.805,"end":889.02496},{"sentences":[{"text":"Yep.","start":889.20996,"end":889.70996,"sentiment":"neutral","sentiment_score":-0.008326827548444271}],"sentiment":"neutral","sentiment_score":-0.008326827548444271,"channel":1,"num_words":1,"start":889.20996,"end":889.70996},{"sentences":[{"text":"We can just review them each year, see how you're going, what they look like, and then, you know, when and if you decide you no longer want them, they're not valid anymore, then we can always look to cancel them.","start":889.40497,"end":899.27997,"sentiment":"neutral","sentiment_score":-0.0540686343773836}],"sentiment":"neutral","sentiment_score":-0.0540686343773836,"channel":0,"num_words":41,"start":889.40497,"end":899.27997},{"sentences":[{"text":"Yep.","start":899.40497,"end":899.90497,"sentiment":"neutral","sentiment_score":0.036685772240161896}],"sentiment":"neutral","sentiment_score":0.036685772240161896,"channel":1,"num_words":1,"start":899.40497,"end":899.90497},{"sentences":[{"text":"But, yeah, for the moment, there's nothing wrong with it.","start":900.14,"end":902.22,"sentiment":"neutral","sentiment_score":0.05289030261337757},{"text":"If you do keep PCED and you claim after 60, that is fully tax free.","start":902.22,"end":908.055,"sentiment":"neutral","sentiment_score":0.1233750194311142},{"text":"So","start":908.055,"end":908.555,"sentiment":"neutral","sentiment_score":0.07732203602790833}],"sentiment":"neutral","sentiment_score":0.09449424437032296,"channel":0,"num_words":26,"start":900.14,"end":908.555},{"sentences":[{"text":"Yep.","start":908.32,"end":908.82,"sentiment":"neutral","sentiment_score":0.0788189247250557}],"sentiment":"neutral","sentiment_score":0.0788189247250557,"channel":1,"num_words":1,"start":908.32,"end":908.82},{"sentences":[{"text":"just you","start":908.77496,"end":909.175,"sentiment":"neutral","sentiment_score":0.09454988315701485}],"sentiment":"neutral","sentiment_score":0.09454988315701485,"channel":0,"num_words":2,"start":908.77496,"end":909.175},{"sentences":[{"text":"Yep.","start":909.12,"end":909.62,"sentiment":"neutral","sentiment_score":0.0766420066356659}],"sentiment":"neutral","sentiment_score":0.0766420066356659,"channel":1,"num_words":1,"start":909.12,"end":909.62},{"sentences":[{"text":"know, you are very close to that mark where if you claimed on CBD, you get the whole amount.","start":909.175,"end":914.15497,"sentiment":"neutral","sentiment_score":0.1075722892817698}],"sentiment":"neutral","sentiment_score":0.1075722892817698,"channel":0,"num_words":19,"start":909.175,"end":914.15497},{"sentences":[{"text":"Beautiful.","start":916.94495,"end":917.44495,"sentiment":"positive","sentiment_score":0.5277413129806519}],"sentiment":"positive","sentiment_score":0.5277413129806519,"channel":1,"num_words":1,"start":916.94495,"end":917.44495},{"sentences":[{"text":"All good.","start":917.25494,"end":918.07495,"sentiment":"positive","sentiment_score":0.5273396819829941},{"text":"Excellent.","start":918.375,"end":918.875,"sentiment":"positive","sentiment_score":0.4982110857963562},{"text":"Now the other thing I do have here is your income protection benefit.","start":919.095,"end":922.45496,"sentiment":"neutral","sentiment_score":0.12120990913647872},{"text":"So income protection pays out a monthly benefit in the event that you're off work in the short term due to illness or injury.","start":922.45496,"end":929.07,"sentiment":"neutral","sentiment_score":0.0637538400478661},{"text":"The monthly benefit you have at the moment here is about $5,001.82.","start":929.53,"end":933.95,"sentiment":"neutral","sentiment_score":0.07994682931651671}],"sentiment":"neutral","sentiment_score":0.1080398727208376,"channel":0,"num_words":52,"start":917.25494,"end":933.95},{"sentences":[{"text":"It's a pretax benefit because you do pay tax on this the same as you do your income.","start":934.25,"end":938.88495,"sentiment":"neutral","sentiment_score":0.10493229164017571},{"text":"And you have a four week waiting period and a two year benefit period.","start":939.505,"end":943.605,"sentiment":"neutral","sentiment_score":0.041209908069244454},{"text":"Do you understand how the waiting periods and benefit periods work?","start":943.82495,"end":947.02496,"sentiment":"neutral","sentiment_score":0.011915889483961191},{"text":"Did you want me to kinda go to those in detail for you?","start":947.02496,"end":949.745,"sentiment":"neutral","sentiment_score":0.014551665347356062},{"text":"Or","start":949.745,"end":950.245,"sentiment":"neutral","sentiment_score":0.00755251944065094}],"sentiment":"neutral","sentiment_score":0.04900910378548137,"channel":0,"num_words":57,"start":934.25,"end":950.245},{"sentences":[{"text":"So I'm assuming the waiting period is like it would for anything.","start":951.035,"end":954.495,"sentiment":"neutral","sentiment_score":-0.005506555278164645},{"text":"So if you put it in, you'd wait four weeks before getting it.","start":955.115,"end":958.95,"sentiment":"neutral","sentiment_score":-0.019683528906450823},{"text":"And I'm assuming the period would be over two years.","start":959.03,"end":961.67,"sentiment":"neutral","sentiment_score":-0.011631421651691199},{"text":"Yeah?","start":961.67,"end":962.17,"sentiment":"neutral","sentiment_score":0.010454772040247915}],"sentiment":"neutral","sentiment_score":-0.011883999544402791,"channel":1,"num_words":36,"start":951.035,"end":962.17},{"sentences":[{"text":"yeah.","start":962.92,"end":963.24,"sentiment":"neutral","sentiment_score":0.008784659206867218},{"text":"So our waiting period is how long you have to wait prior to making a claim.","start":963.24,"end":967.16003,"sentiment":"neutral","sentiment_score":-0.02476106968242675},{"text":"So with a four week waiting period, you've gotta be off work for four weeks before they'll accept","start":967.16003,"end":971.715,"sentiment":"neutral","sentiment_score":-0.04875924355453915}],"sentiment":"neutral","sentiment_score":-0.036144538276961874,"channel":0,"num_words":35,"start":962.92,"end":971.715},{"sentences":[{"text":"K.","start":971.51,"end":972.01,"sentiment":"neutral","sentiment_score":-0.027580885216593742}],"sentiment":"neutral","sentiment_score":-0.027580885216593742,"channel":1,"num_words":1,"start":971.51,"end":972.01},{"sentences":[{"text":"the 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there.","start":982.22003,"end":983.9,"sentiment":"positive","sentiment_score":0.38266451358795167},{"text":"The","start":983.9,"end":984.06,"sentiment":"neutral","sentiment_score":0.131186380982399}],"sentiment":"neutral","sentiment_score":0.24451759022970995,"channel":0,"num_words":12,"start":980.78,"end":984.06},{"sentences":[{"text":"Yep.","start":984.015,"end":984.515,"sentiment":"neutral","sentiment_score":0.09361284971237184}],"sentiment":"neutral","sentiment_score":0.09361284971237184,"channel":1,"num_words":1,"start":984.015,"end":984.515},{"sentences":[{"text":"benefit can be paid for up to two years.","start":984.06,"end":986.48004,"sentiment":"neutral","sentiment_score":0.05345210453702344},{"text":"At that two year mark, if you still can't go back to work, they stop paying the benefit, and then we gotta look at other ways, maybe accessing super or, you know, trying to get you back to work or Centrelink or savings or some other way of covering the cost, essentially.","start":986.62,"end":1000.795,"sentiment":"neutral","sentiment_score":-0.043225670931860805},{"text":"But","start":1001.33496,"end":1001.45496,"sentiment":"neutral","sentiment_score":0.0596608892083168}],"sentiment":"neutral","sentiment_score":-0.027532339651858615,"channel":0,"num_words":62,"start":984.06,"end":1001.45496},{"sentences":[{"text":"Yep.","start":1001.43,"end":1001.93,"sentiment":"neutral","sentiment_score":0.08292988687753677}],"sentiment":"neutral","sentiment_score":0.08292988687753677,"channel":1,"num_words":1,"start":1001.43,"end":1001.93},{"sentences":[{"text":"yeah.","start":1001.575,"end":1002.075,"sentiment":"neutral","sentiment_score":0.094795823097229}],"sentiment":"neutral","sentiment_score":0.094795823097229,"channel":0,"num_words":1,"start":1001.575,"end":1002.075},{"sentences":[{"text":"Oh,","start":1002.365,"end":1002.52496,"sentiment":"neutral","sentiment_score":0.20816658437252045}],"sentiment":"neutral","sentiment_score":0.20816658437252045,"channel":1,"num_words":1,"start":1002.365,"end":1002.52496},{"sentences":[{"text":"Yeah.","start":1002.375,"end":1002.855,"sentiment":"neutral","sentiment_score":0.3241565525531769}],"sentiment":"neutral","sentiment_score":0.3241565525531769,"channel":0,"num_words":1,"start":1002.375,"end":1002.855},{"sentences":[{"text":"that's 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know.","start":1012.605,"end":1013.355,"sentiment":"neutral","sentiment_score":-0.03699810989201069}],"sentiment":"neutral","sentiment_score":-0.03699810989201069,"channel":1,"num_words":2,"start":1012.605,"end":1013.355},{"sentences":[{"text":"income figure, sorry, of about 80,000, 111.","start":1012.87,"end":1017.27,"sentiment":"neutral","sentiment_score":-0.02870162163994142},{"text":"Has your income increased on that this year?","start":1017.27,"end":1019.85,"sentiment":"neutral","sentiment_score":-0.01481280755251646}],"sentiment":"neutral","sentiment_score":-0.021294254126648107,"channel":0,"num_words":15,"start":1012.87,"end":1019.85},{"sentences":[{"text":"Yes.","start":1020.22,"end":1020.54,"sentiment":"neutral","sentiment_score":0.060404516756534576},{"text":"It has.","start":1020.54,"end":1021.27997,"sentiment":"neutral","sentiment_score":0.03905355650931597},{"text":"Hang on just a 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it.","start":1024.78,"end":1025.6799,"sentiment":"neutral","sentiment_score":0.02838918287307024},{"text":"I'm just trying to find a relatively up to date, basically.","start":1033.5449,"end":1037.485,"sentiment":"neutral","sentiment_score":0.03235157900913195},{"text":"So it's now at $108.09 4.","start":1039.065,"end":1043.005,"sentiment":"neutral","sentiment_score":0.04283469822257757}],"sentiment":"neutral","sentiment_score":0.03524494337800302,"channel":1,"num_words":19,"start":1024.78,"end":1043.005},{"sentences":[{"text":"$108.09 4.","start":1044.66,"end":1046.5801,"sentiment":"neutral","sentiment_score":0.0428778100758791},{"text":"Beautiful.","start":1046.5801,"end":1047.0801,"sentiment":"positive","sentiment_score":0.7089014053344727},{"text":"Lovely.","start":1050.42,"end":1050.92,"sentiment":"neutral","sentiment_score":-0.012275375425815582},{"text":"So if we're looking at that, to cover yourself for up to 70% of your current income, you'd roughly need to have a monthly benefit of that 5,885.","start":1051.06,"end":1073.08,"sentiment":"neutral","sentiment_score":-0.0024121807156396763},{"text":"So you're only just a little bit underinsured based on that at the moment.","start":1073.08,"end":1076.86,"sentiment":"neutral","sentiment_score":-0.0824698219075799}],"sentiment":"neutral","sentiment_score":-0.009559498188774223,"channel":0,"num_words":46,"start":1044.66,"end":1076.86},{"sentences":[{"text":"Are you happy with the income protection level you have?","start":1077.88,"end":1080.5199,"sentiment":"neutral","sentiment_score":0.026667802035808562},{"text":"Did you wanna look at increasing that at all to cover the little bit of the gap, or what's your thoughts there?","start":1080.5199,"end":1086.095,"sentiment":"neutral","sentiment_score":0.0021644508762454443}],"sentiment":"neutral","sentiment_score":0.009821748113608919,"channel":0,"num_words":32,"start":1077.88,"end":1086.095},{"sentences":[{"text":"So how would I go about increasing it?","start":1088.115,"end":1091.255,"sentiment":"neutral","sentiment_score":-0.00048565352335572243}],"sentiment":"neutral","sentiment_score":-0.00048565352335572243,"channel":1,"num_words":8,"start":1088.115,"end":1091.255},{"sentences":[{"text":"Yes.","start":1091.9149,"end":1092.235,"sentiment":"neutral","sentiment_score":0.06673300266265869},{"text":"So we can get a quote to show you what the cost might be.","start":1092.235,"end":1095.1349,"sentiment":"neutral","sentiment_score":0.060590804022337706},{"text":"Admittedly,","start":1095.2749,"end":1095.7749,"sentiment":"neutral","sentiment_score":0.004132164176553488}],"sentiment":"neutral","sentiment_score":0.05744602644699626,"channel":0,"num_words":16,"start":1091.9149,"end":1095.7749},{"sentences":[{"text":"Yep.","start":1095.475,"end":1095.975,"sentiment":"neutral","sentiment_score":0.01367592252790928}],"sentiment":"neutral","sentiment_score":0.01367592252790928,"channel":1,"num_words":1,"start":1095.475,"end":1095.975},{"sentences":[{"text":"the increase, and it does mean the cost is gonna go up a little bit.","start":1095.9149,"end":1099.1,"sentiment":"neutral","sentiment_score":-0.056435134386022885},{"text":"At the moment, you did this year, the cost of the insurance was $7,641.16.","start":1099.1,"end":1106.38,"sentiment":"neutral","sentiment_score":-0.0067461880722216195},{"text":"It's looking","start":1106.38,"end":1107.0199,"sentiment":"neutral","sentiment_score":0.12480900064110756}],"sentiment":"neutral","sentiment_score":-0.02230179508126551,"channel":0,"num_words":31,"start":1095.9149,"end":1107.0199},{"sentences":[{"text":"Yep.","start":1106.9701,"end":1107.4701,"sentiment":"neutral","sentiment_score":0.2444293200969696}],"sentiment":"neutral","sentiment_score":0.2444293200969696,"channel":1,"num_words":1,"start":1106.9701,"end":1107.4701},{"sentences":[{"text":"at a super.","start":1107.0199,"end":1107.9199,"sentiment":"neutral","sentiment_score":0.3222300906976064}],"sentiment":"neutral","sentiment_score":0.3222300906976064,"channel":0,"num_words":3,"start":1107.0199,"end":1107.9199},{"sentences":[{"text":"Yep.","start":1108.49,"end":1108.99,"sentiment":"neutral","sentiment_score":0.14037582278251648}],"sentiment":"neutral","sentiment_score":0.14037582278251648,"channel":1,"num_words":1,"start":1108.49,"end":1108.99},{"sentences":[{"text":"So if you like, I can always obtain a increased quote to show you what the expected premium might look like.","start":1108.7799,"end":1114.625,"sentiment":"neutral","sentiment_score":0.09708816629080545},{"text":"And then I'd probably just get one of my team to do another quick pre assessment with you just to make sure there's no changes to your health,","start":1115.005,"end":1121.185,"sentiment":"neutral","sentiment_score":0.061257168517581055}],"sentiment":"neutral","sentiment_score":0.07661331042039152,"channel":0,"num_words":49,"start":1108.7799,"end":1121.185},{"sentences":[{"text":"Yep.","start":1121.6849,"end":1122.1849,"sentiment":"neutral","sentiment_score":0.0805034190416336}],"sentiment":"neutral","sentiment_score":0.0805034190416336,"channel":1,"num_words":1,"start":1121.6849,"end":1122.1849},{"sentences":[{"text":"and then we can kinda go from there.","start":1121.9651,"end":1123.645,"sentiment":"neutral","sentiment_score":0.08957337588071823},{"text":"But if you want, we can start 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got that email there that does have all the documents attached that we do have there.","start":1566.73,"end":1572.25,"sentiment":"neutral","sentiment_score":0.2269262962720611},{"text":"So your superannuation insurance summary, the asset performance report there for you as well.","start":1572.25,"end":1576.89,"sentiment":"neutral","sentiment_score":0.2406167228307043}],"sentiment":"neutral","sentiment_score":0.2826472325457467,"channel":0,"num_words":45,"start":1563.025,"end":1576.89},{"sentences":[{"text":"We've also got a certificate of currency for your nearest insurance policy.","start":1576.89,"end":1580.6699,"sentiment":"neutral","sentiment_score":0.21521619210640588},{"text":"I'll go back and get an increased quote and email that through to you so you can let me know whether you wanna go ahead and look to increase that or whether you're happy just to keep the premiums as they 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know.","start":1594.53,"end":1598.15,"sentiment":"neutral","sentiment_score":0.11288647949695588},{"text":"Okay?","start":1598.2101,"end":1598.7101,"sentiment":"neutral","sentiment_score":0.1198125034570694}],"sentiment":"neutral","sentiment_score":0.13129954568801389,"channel":0,"num_words":31,"start":1591.215,"end":1598.7101},{"sentences":[{"text":"Sounds good.","start":1599.2,"end":1600.02,"sentiment":"neutral","sentiment_score":0.3176243007183075}],"sentiment":"neutral","sentiment_score":0.3176243007183075,"channel":1,"num_words":2,"start":1599.2,"end":1600.02},{"sentences":[{"text":"With with the changes we have just made to your portfolio, I'd be inclined not to make any additional switches or alter the investments right now.","start":1600.29,"end":1608.905,"sentiment":"neutral","sentiment_score":-0.029592690989375114},{"text":"I think just letting them kind of go through what we're seeing at the moment, and we maybe review that in that six 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good.","start":1747.5199,"end":1748.1799,"sentiment":"positive","sentiment_score":0.566948413848877}],"sentiment":"positive","sentiment_score":0.566948413848877,"channel":1,"num_words":2,"start":1747.5199,"end":1748.1799},{"sentences":[{"text":"No worries.","start":1749.025,"end":1749.6649,"sentiment":"neutral","sentiment_score":0.33006250858306885},{"text":"We'll all get","start":1749.6649,"end":1750.145,"sentiment":"positive","sentiment_score":0.45447789629300434}],"sentiment":"positive","sentiment_score":0.40471174120903014,"channel":0,"num_words":5,"start":1749.025,"end":1750.145},{"sentences":[{"text":"Lovely.","start":1750.115,"end":1750.615,"sentiment":"positive","sentiment_score":0.4821677803993225}],"sentiment":"positive","sentiment_score":0.4821677803993225,"channel":1,"num_words":1,"start":1750.115,"end":1750.615},{"sentences":[{"text":"that quote through, and then we can kinda go from there for you.","start":1750.145,"end":1753.1849,"sentiment":"positive","sentiment_score":0.37989982733359706}],"sentiment":"positive","sentiment_score":0.37989982733359706,"channel":0,"num_words":13,"start":1750.145,"end":1753.1849},{"sentences":[{"text":"Yeah.","start":1753.155,"end":1753.5549,"sentiment":"neutral","sentiment_score":0.20038500428199768}],"sentiment":"neutral","sentiment_score":0.20038500428199768,"channel":1,"num_words":1,"start":1753.155,"end":1753.5549},{"sentences":[{"text":"Okay?","start":1753.1849,"end":1753.6849,"sentiment":"neutral","sentiment_score":0.2337945401668549}],"sentiment":"neutral","sentiment_score":0.2337945401668549,"channel":0,"num_words":1,"start":1753.1849,"end":1753.6849},{"sentences":[{"text":"That sounds good.","start":1753.5549,"end":1754.615,"sentiment":"positive","sentiment_score":0.6815155545870463},{"text":"Excellent.","start":1754.915,"end":1755.415,"sentiment":"positive","sentiment_score":0.7870819568634033}],"sentiment":"positive","sentiment_score":0.7079071551561356,"channel":1,"num_words":4,"start":1753.5549,"end":1755.415},{"sentences":[{"text":"My pleasure.","start":1755.265,"end":1755.9049,"sentiment":"positive","sentiment_score":0.781085878610611},{"text":"Hope you have a lovely afternoon and a great weekend ahead.","start":1755.9049,"end":1759.105,"sentiment":"positive","sentiment_score":0.7693952918052673},{"text":"We're Tuesday now, but the weekend is not far","start":1759.105,"end":1761.65,"sentiment":"neutral","sentiment_score":0.16520303818914625}],"sentiment":"positive","sentiment_score":0.5232885141264308,"channel":0,"num_words":22,"start":1755.265,"end":1761.65},{"sentences":[{"text":"That's true.","start":1762.2201,"end":1763.04,"sentiment":"positive","sentiment_score":0.3407522141933441},{"text":"Thank you so much,","start":1764.06,"end":1765.02,"sentiment":"positive","sentiment_score":0.7308871895074844}],"sentiment":"positive","sentiment_score":0.6008421977361044,"channel":1,"num_words":6,"start":1762.2201,"end":1765.02},{"sentences":[{"text":"off.","start":1764.91,"end":1765.41,"sentiment":"positive","sentiment_score":0.6959184408187866}],"sentiment":"positive","sentiment_score":0.6959184408187866,"channel":0,"num_words":1,"start":1764.91,"end":1765.41},{"sentences":[{"text":"Dana.","start":1765.02,"end":1765.52,"sentiment":"positive","sentiment_score":0.497893750667572}],"sentiment":"positive","sentiment_score":0.497893750667572,"channel":1,"num_words":1,"start":1765.02,"end":1765.52},{"sentences":[{"text":"My pleasure.","start":1766.51,"end":1767.15,"sentiment":"positive","sentiment_score":0.6325886249542236},{"text":"Enjoy your afternoon, Jenny.","start":1767.15,"end":1768.51,"sentiment":"positive","sentiment_score":0.7105207294225693},{"text":"It was a pleasure talking to you.","start":1768.51,"end":1770.1901,"sentiment":"positive","sentiment_score":0.8666331938334874},{"text":"I'll get cracking on this quote for you and get an email to you shortly.","start":1770.1901,"end":1773.09,"sentiment":"positive","sentiment_score":0.6679349939028422}],"sentiment":"positive","sentiment_score":0.7211684797491346,"channel":0,"num_words":28,"start":1766.51,"end":1773.09},{"sentences":[{"text":"Beautiful.","start":1773.74,"end":1774.24,"sentiment":"positive","sentiment_score":0.772554874420166},{"text":"Thank you so much.","start":1774.3,"end":1775.18,"sentiment":"positive","sentiment_score":0.8358445912599564},{"text":"Have a great afternoon.","start":1775.18,"end":1776.56,"sentiment":"positive","sentiment_score":0.7327583730220795}],"sentiment":"positive","sentiment_score":0.7829963035053678,"channel":1,"num_words":9,"start":1773.74,"end":1776.56},{"sentences":[{"text":"You too.","start":1776.833,"end":1777.573,"sentiment":"positive","sentiment_score":0.5016135275363922},{"text":"Thank you.","start":1777.6329,"end":1778.273,"sentiment":"positive","sentiment_score":0.6403933763504028}],"sentiment":"positive","sentiment_score":0.5710034519433975,"channel":0,"num_words":4,"start":1776.833,"end":1778.273},{"sentences":[{"text":"Thank you.","start":1777.9229,"end":1778.643,"sentiment":"positive","sentiment_score":0.5993100106716156}],"sentiment":"positive","sentiment_score":0.5993100106716156,"channel":1,"num_words":2,"start":1777.9229,"end":1778.643},{"sentences":[{"text":"See you later.","start":1778.273,"end":1779.093,"sentiment":"positive","sentiment_score":0.4605981608231862}],"sentiment":"positive","sentiment_score":0.4605981608231862,"channel":0,"num_words":3,"start":1778.273,"end":1779.093},{"sentences":[{"text":"Bye.","start":1778.643,"end":1779.143,"sentiment":"neutral","sentiment_score":0.2064238041639328}],"sentiment":"neutral","sentiment_score":0.2064238041639328,"channel":1,"num_words":1,"start":1778.643,"end":1779.143},{"sentences":[{"text":"Bye.","start":1779.2329,"end":1779.7329,"sentiment":"neutral","sentiment_score":0.14931778609752655}],"sentiment":"neutral","sentiment_score":0.14931778609752655,"channel":0,"num_words":1,"start":1779.2329,"end":1779.7329},{"sentences":[{"text":"Bye.","start":1779.8429,"end":1780.3429,"sentiment":"neutral","sentiment_score":-0.10473981499671936}],"sentiment":"neutral","sentiment_score":-0.10473981499671936,"channel":1,"num_words":1,"start":1779.8429,"end":1780.3429}]},"summary":{"result":"success","short":"A representative from Financial calls a customer named Jenny to go through her annual review and update her on her debt. They discuss documents that will be sent to her and update her on her debt. The agent explains that Jenny's return has been low due to the volatility in the market and removes a previously held investment from her portfolio. They also discuss monitoring the portfolio and the possibility of future changes if the customer's portfolio is not returning to a positive trajectory. The agent updates the customer's insurance policy and discusses options for increasing contributions, including selling their unit due to retirement. The conversation ends with the agent sending a quote and thanking the customer."},"intents":{"segments":[{"text":"We are discussing your personal information. So I just need to confirm your full name, your date of birth, and address I should have on file. My full name is Jenny Broomhall. My date of birth is, hang on, the twenty ninth of the eleventh nineteen sixty seven. Yeah. Sorry.","start_word":112,"end_word":161,"intents":[{"intent":"Update information","confidence_score":0.1114454}]},{"text":"So I just need to confirm your full name, your date of birth, and address I should have on file. My full name is Jenny Broomhall. My date of birth is, hang on, the twenty ninth of the eleventh nineteen sixty seven. Yeah. Sorry.","start_word":118,"end_word":161,"intents":[{"intent":"Confirm identity","confidence_score":0.1966663}]},{"text":"Thank you so much for that. Now as part of the annual review, we do send through some documents to you just to kinda go through the things that we are discussing today. Do you have access to your emails?","start_word":284,"end_word":323,"intents":[{"intent":"Send documents","confidence_score":0.47489518}]},{"text":"Thank you so much for that. Now as part of the annual review, we do send through some documents to you just to kinda go through the things that we are discussing today. Do you have access to your emails? If you don't, that's okay.","start_word":284,"end_word":328,"intents":[{"intent":"Discuss items","confidence_score":0.000009310372}]},{"text":"Well, I'll start by just sort of going through and giving you an update on your super debt. It's probably the ones that you're interested in looking at. When you open that email there, you will see I have got some attachments at the very bottom. That does include the asset performance report and your super balance. The summary of your superannuation and insurances there as well. Okay? Yep.","start_word":491,"end_word":559,"intents":[{"intent":"Update super debt and documents","confidence_score":0.0012211744}]},{"text":"So it is definitely an increase on last year, albeit a much smaller increase.","start_word":618,"end_word":631,"intents":[{"intent":"Report increase in budget","confidence_score":0.000034903325}]},{"text":"A lot of what we have seen over the past few months with Iran and Trump in The US has seen a lot of volatility in the market, so that means that this year we have expected and had, unfortunately, a much lower rate of return, and some super funds are experiencing a negative return at the moment, but we wanna sort of see if they could come out from that as well. Okay? Yep.","start_word":633,"end_word":707,"intents":[{"intent":"Evaluate market volatility","confidence_score":0.0075127203}]},{"text":"Now because you have seen that negative return over the past twelve months there, I did also just pull up a report to have a look at what's been happening since we made that change for you. So since we removed that along out over the last four weeks, the last one month, your portfolio has made a positive 2.95% return. It's net of fees.","start_word":1088,"end_word":1152,"intents":[{"intent":"Evaluate portfolio performance","confidence_score":0.046324164}]},{"text":"Not a lot happens in the three months mark, so that's absolutely fine. We'll do six months, and we'll see how things are tracking for you and if any further changes need to come out of that for you. Okay? Yep.","start_word":1493,"end_word":1533,"intents":[{"intent":"Track progress","confidence_score":0.002827353}]},{"text":"Now the other documents in there we do have on the summaries of renovation insurances is your insurance information. So having a look there, you do have some insurances through Neos Life, and you've got some life cover with a current son insured of 210,720. Life obviously pays out a lump sum benefit to your beneficiaries in the event that you were to pass away.","start_word":1683,"end_word":1747,"intents":[{"intent":"Add to insurance information","confidence_score":0.00019994871}]},{"text":"With the mortgage, I do have a note here that your the value on your property was about 800,000 last time we called up. What sort of value would you put on the property now, do you think? It's about $7.","start_word":1855,"end_word":1895,"intents":[{"intent":"Obtain property value","confidence_score":0.016653605}]},{"text":"And are you renting that out as well? Or No.","start_word":1943,"end_word":1952,"intents":[{"intent":"Confirm apartment ownership","confidence_score":0.040140416}]},{"text":"in Phillip Island. Like, I'm doing both. It's because Okay. we're I've had to get work in the city. Okay. So, yep, had to go and have a place to stay. Oh, fair enough.","start_word":1970,"end_word":2003,"intents":[{"intent":"Clarify location and location","confidence_score":0.00040011245}]},{"text":"And how much do you have owing on that one at the moment?","start_word":2075,"end_word":2087,"intents":[{"intent":"Ask about mortgage amount","confidence_score":0.0049673324}]},{"text":"In the event of, say, claiming on that, we would obviously help provide financial advice on how to limit the tax, how to draw down, keep the money working harder for you as well. So we would look to help limit that as much as possible, but it does mean that the amount that you are essentially insured for, you're not guaranteed to receive that exact amount if you do claim and draw it down. In Mhmm.","start_word":2359,"end_word":2435,"intents":[{"intent":"Guide in limiting tax","confidence_score":0.000004355109}]},{"text":"Are you fairly happy having the same level of of TBD as you have live? Or Yeah.","start_word":2480,"end_word":2496,"intents":[{"intent":"Inquire about tbd level","confidence_score":0.015747316}]},{"text":"They do expire eventually, but you can keep them for a bit a couple more years. Yep.","start_word":2551,"end_word":2567,"intents":[{"intent":"Explain cbd expiration","confidence_score":0.011557978}]},{"text":"We can just review them each year, see how you're going, what they look like, and then, you know, when and if you decide you no longer want them, they're not valid anymore, then we can always look to cancel them. Yep.","start_word":2568,"end_word":2609,"intents":[{"intent":"Review benefits","confidence_score":0.003434458}]},{"text":"Now the other thing I do have here is your income protection benefit. So income protection pays out a monthly benefit in the event that you're off work in the short term due to illness or injury. The monthly benefit you have at the moment here is about $5,001.82.","start_word":2663,"end_word":2711,"intents":[{"intent":"Explain income protection benefit","confidence_score":0.05390641}]},{"text":"It's a pretax benefit because you do pay tax on this the same as you do your income. And you have a four week waiting period and a two year benefit period.","start_word":2713,"end_word":2744,"intents":[{"intent":"Assess benefits","confidence_score":0.0033610023}]},{"text":"So we can get a quote to show you what the cost might be.","start_word":3107,"end_word":3120,"intents":[{"intent":"Get a quote","confidence_score":0.019398341}]},{"text":"And I've got your husband, Joseph, down as your next of kin there. I just need to update the file and grab a contact number for him. Could I grab that off you?","start_word":3883,"end_word":3915,"intents":[{"intent":"Update contact information","confidence_score":0.015797557}]},{"text":"And if you're happy with that, I can still leave age 67 as the access point there for you. Just so you are fully aware, though, you can actually retire at age 60 if you choose to fully retire and stop working. They do allow you to access your fees at that point. Alternatively, at age 65, you can then start growing your income or taking lump sums regardless of whether you're working or not.","start_word":4034,"end_word":4108,"intents":[{"intent":"Explore retirement options","confidence_score":0.017648883}]},{"text":"Are you hoping to have the the like, the unit's mortgage paid down by retirement, or do you think you'll probably sell that?","start_word":4383,"end_word":4405,"intents":[{"intent":"Offer advice on selling units","confidence_score":0.000002590388}]},{"text":"What's the long term plan for the unit? I don't know.","start_word":4405,"end_word":4415,"intents":[{"intent":"Explain long-term plan","confidence_score":0.017987808}]},{"text":"I'll go back and get an increased quote and email that through to you so you can let me know whether you wanna go ahead and look to increase that or whether you're happy just to keep the premiums as they are. Yep.","start_word":4523,"end_word":4565,"intents":[{"intent":"Request additional quote for insurance policy","confidence_score":0.00003514175}]},{"text":"With with the changes we have just made to your portfolio, I'd be inclined not to make any additional switches or alter the investments right now. I think just letting them kind of go through what we're seeing at the moment, and we maybe review that in that six months. Are you comfortable with that? Yes.","start_word":4599,"end_word":4654,"intents":[{"intent":"Schedule review of portfolio changes","confidence_score":0.00007201546}]},{"text":"essentially, with the ongoing service fee, when the market is performing really well, the fee does increase a little bit with it. However, when the market does take a bit of a dip as it is a percentage based fee, it dives with the market as well. So it's about making sure that our fee is fluctuating along with your portfolio and the market Yeah.","start_word":4750,"end_word":4814,"intents":[{"intent":"Explain fee value","confidence_score":0.000019099014}]}]},"sentiments":{"segments":[{"text":"Hello. Jenny speaking. Hi, Jenny. This is Dana from Financial. How are you this afternoon? Yeah.","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.11904466152191162},{"text":"Good. Thank you.","start_word":16,"end_word":18,"sentiment":"positive","sentiment_score":0.4411630630493164},{"text":"How are you? Yeah.","start_word":19,"end_word":22,"sentiment":"neutral","sentiment_score":0.27916353940963745},{"text":"Very well. Thank you. Thanks for asking.","start_word":23,"end_word":29,"sentiment":"positive","sentiment_score":0.5531843304634094},{"text":"I had you booked in to go through your annual review today. Is now still a good time there for you? Yes. It is.","start_word":30,"end_word":53,"sentiment":"neutral","sentiment_score":0.27696606516838074},{"text":"Fantastic.","start_word":54,"end_word":54,"sentiment":"positive","sentiment_score":0.5738958120346069},{"text":"And how's your day been so far? Yeah.","start_word":55,"end_word":62,"sentiment":"neutral","sentiment_score":0.3232213854789734},{"text":"Pretty good. Oh, fantastic.","start_word":63,"end_word":66,"sentiment":"positive","sentiment_score":0.4527412354946137},{"text":"Jenny, 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? Yes. That's fine.","start_word":67,"end_word":100,"sentiment":"neutral","sentiment_score":0.19129808247089383},{"text":"Fantastic.","start_word":101,"end_word":101,"sentiment":"positive","sentiment_score":0.5198374390602112},{"text":"And this is a security day with you as well. We are discussing your personal information. So I just need to confirm your full name, your date of birth, and address I should have on file. My full name is Jenny Broomhall. My date of birth is, hang on, the twenty ninth of the eleventh nineteen sixty seven. Yeah. Sorry. No. You're right. And what was it? The address is 13 Yes. Blue Gum Court in Cowles, Victoria. Oh, I had a different number here. Oh, 13. That's okay. I can update that for sorry. you. I Hang had on. eleven. Hang on. Sorry? It's I had eleven. a Oh my god. eleven? The I'm so sorry. my mom no. I'm sorry. My daughter's gone. It's eleven, mom, not 13. So, No. That's yeah, my mother's house is 13, Selwood Street. So, yeah, I've gotten confused. Oh, oh, god. that's honestly okay. I hope today is have a good day for you. Oh, Just one of dear. those afternoons. Yeah. Yeah. No. Honest it's not a problem at all there, Jenny.","start_word":102,"end_word":282,"sentiment":"neutral","sentiment_score":0.03080995567142963},{"text":"Excellent. Thank you so much for that.","start_word":283,"end_word":289,"sentiment":"positive","sentiment_score":0.536556601524353},{"text":"Now as part of the annual review, we do send through some documents to you just to kinda go through the things that we are discussing today. Do you have access to your emails? If you don't, that's okay. Hang on just a moment. I didn't have access. That's okay. I do it's just gonna take a while, obviously, to open everything up. No. That's okay.","start_word":290,"end_word":355,"sentiment":"neutral","sentiment_score":0.045561129565943374},{"text":"You're absolutely fine.","start_word":356,"end_word":358,"sentiment":"positive","sentiment_score":0.4798101782798767},{"text":"I've just sent through an email to you, sir. Hopefully, when you log in there, you should see it come from Odoo sign. Yep.","start_word":359,"end_word":382,"sentiment":"neutral","sentiment_score":0.1916954219341278},{"text":"Beautiful.","start_word":383,"end_word":383,"sentiment":"positive","sentiment_score":0.42303305864334106},{"text":"Hang on just a moment. This I don't know Yay. what's happening You're to right. my emails at the moment.","start_word":384,"end_word":403,"sentiment":"neutral","sentiment_score":-0.07091258466243744},{"text":"This is I'm quite painful.","start_word":404,"end_word":408,"sentiment":"negative","sentiment_score":-0.5021306276321411},{"text":"Anyway Yeah. Gotta love technology when it wants to work. yeah.","start_word":409,"end_word":419,"sentiment":"neutral","sentiment_score":0.17583908140659332},{"text":"And once it's up and running, it's fine.","start_word":420,"end_word":427,"sentiment":"positive","sentiment_score":0.3436664044857025},{"text":"It's just getting into things these days. Okay. I can see it now. Yep.","start_word":428,"end_word":441,"sentiment":"neutral","sentiment_score":0.18781937658786776},{"text":"Beautiful. Lovely.","start_word":442,"end_word":443,"sentiment":"positive","sentiment_score":0.6713539361953735},{"text":"Now before we jump into going through your review as such, is there anything particular you wanna be to touch base on or any questions that you might have for me today? No. Not that I can think of. No. That's okay. Not a problem at all. Well, I'll start by just sort of going through and giving you an update on your super debt. It's probably the ones that you're interested in looking at. When you open that email there, you will see I have got some attachments at the very bottom. That does include the asset performance report and your super balance. The summary of your superannuation and insurances there as well. Okay? Yep.","start_word":444,"end_word":559,"sentiment":"neutral","sentiment_score":0.13778939843177795},{"text":"Beautiful.","start_word":560,"end_word":560,"sentiment":"positive","sentiment_score":0.4947460889816284},{"text":"Now having a bit of a look at things. So when we completed your last annual review, that was about February last year. So your balance then was about a $169,007.75 and 82<unk>. Your balance as of the June 12, which is when we prepped the documents there for you, is up to a 173,810 and 38<unk>. So it is definitely an increase on last year, albeit a much smaller increase.","start_word":561,"end_word":634,"sentiment":"neutral","sentiment_score":0.12260420620441435},{"text":"A lot of what we have seen over the past few months with Iran and Trump in The US has seen a lot of volatility in the market, so that means that this year we have expected and had, unfortunately, a much lower rate of return, and some super funds are experiencing a negative return at the moment, but we wanna sort of see if they could come out from that as well.","start_word":632,"end_word":704,"sentiment":"negative","sentiment_score":-0.3497261703014374},{"text":"Okay? Yep. Yep. Sorry. To give you an update, so the return, as I've kinda mentioned, has been quite low.","start_word":705,"end_word":724,"sentiment":"neutral","sentiment_score":-0.16509664058685303},{"text":"We actually, for the last twelve months, seen a negative return.","start_word":725,"end_word":735,"sentiment":"negative","sentiment_score":-0.3587743937969208},{"text":"So negative of 1.04%. So just under a 1% return there, negative 1% return there Yep.","start_word":736,"end_word":751,"sentiment":"neutral","sentiment_score":-0.19895632565021515},{"text":"for the year, which isn't great.","start_word":752,"end_word":757,"sentiment":"negative","sentiment_score":-0.4214480221271515},{"text":"As I kinda mentioned, it's we've got a lot to do with the volatility we have seen early this year between Iran and The US, but it's also because one of your investments was underperforming a little bit as well. So early this year, you originally and used to have the Benelon Australian equities in your in your portfolio, and that was more of an actively managed investment. Do you remember seeing an email come through probably around about March? It would've stated record of advice. If you don't, that's okay. No. I don't remember. Sorry. No. That's okay. It's not a problem at all. So, essentially, that email was sent out in March. And because one of your underlying investments is underperforming significantly, we also made a decision to remove that. That investment Okay.","start_word":758,"end_word":892,"sentiment":"neutral","sentiment_score":-0.12518523633480072},{"text":"wasn't doing really well. They had some underlying issues.","start_word":893,"end_word":901,"sentiment":"negative","sentiment_score":-0.4134814441204071},{"text":"So if you and our investment committee made a decision to remove that from your portfolio completely. Right. So we removed the Banda Long Australian Equities investment, removed the underperforming investment for you, and we've reinvested those funds in what's called the beta shares a 200. Now that Right. investment is essentially giving you greater diversification. So one of the biggest things between the two investments was Benelon as an active manager Generally held about 15 to 20 different investments in their investment option there, whereas the BetaShares a 200 is giving you exposure to the top 200 companies on the ASX. So it's giving you a greater level of exposure, and this investment has seen a greater return, hasn't had the underlying issues that that been a long investment did have early this year. So we wanted to take that action nice and quick for you, remove that. We have seen enough volatility with what was going on. You didn't need underperforming investments as well. So we did send that advice document through and updated this one for you as well. Okay? Right. Yep.","start_word":902,"end_word":1086,"sentiment":"neutral","sentiment_score":0.01632229646516813},{"text":"Beautiful.","start_word":1087,"end_word":1087,"sentiment":"positive","sentiment_score":0.4273021817207336},{"text":"Now because you have seen that negative return over the past twelve months there, I did also just pull up a report to have a look at what's been happening since we made that change for you. So since we removed that along out over the last four weeks, the last one month, your portfolio has made a positive 2.95% return. It's net of fees. So since making that switch there, we can see your portfolio recovering out a little bit, and that's really important. We wanna keep monitoring that moving forward. Does that make sense? And do you have any questions? Yes. It makes sense. And, no, I don't have any questions. No. No problem, Lidore. I never wanna hide when portfolios are not working or when there is volatility Yep. and a negative return. I'd rather explain and be open and honest to Yes. you. We all know investments do go up and down. There are years of a lower return or a negative return, and it's about taking advantage of those times. So whilst there is a low return at the moment, the volatility we are seeing, essentially, with your contributions going in, we can take advantage of those downtime. And if your portfolio comes out and recovers, it does mean that you'll get some really good growth coming out of that. Does that make Yeah. sense? Yeah. It does. Yeah. Yep.","start_word":1088,"end_word":1322,"sentiment":"neutral","sentiment_score":0.09015823298312248},{"text":"Beautiful. Thank you. Beautiful. That's okay. But it is really good to see that 2.95% to 10 net as a positive for the last one month.","start_word":1323,"end_word":1348,"sentiment":"positive","sentiment_score":0.6546254754066467},{"text":"So I think with what's happening overseas, a lot of that was sort of factored into the market early on this year, and we are sort of seeing a little bit more of a recovery point from that. I know I'm definitely hearing less and less of it, and, yeah, the market doesn't seem to be as concerned about what's going on there at the moment. So we'll just keep monitoring things moving forward, seeing how everything's going. I would like to maybe do a bit of a catch up with you in maybe the next three or six months depending on what your preference is just to sort of see how your portfolio is going. Would you like to catch up in three or six months? What's your preference? Six months. Perfectly. Six Yeah. months. Yeah. Yep. Not a problem at all.","start_word":1349,"end_word":1491,"sentiment":"neutral","sentiment_score":0.08929023146629333},{"text":"Beautiful.","start_word":1492,"end_word":1492,"sentiment":"positive","sentiment_score":0.39719492197036743},{"text":"Not a lot happens in the three months mark, so that's absolutely fine. We'll do six months, and we'll see how things are tracking for you and if any further changes need to come out of that for you. Okay? Yep.","start_word":1493,"end_word":1533,"sentiment":"neutral","sentiment_score":0.12711304426193237},{"text":"That sounds good. Beautiful. Fantastic.","start_word":1534,"end_word":1538,"sentiment":"positive","sentiment_score":0.4126298129558563},{"text":"Do you have any other questions in relation to your soup or anything that's kinda come out of that little bit of the conversation at all? You're welcome to ask No. me anything you like. No? Yeah. No. That's It's okay. all good. I yep. I get it.","start_word":1539,"end_word":1586,"sentiment":"neutral","sentiment_score":0.09629999101161955},{"text":"Excellent. Fantastic.","start_word":1587,"end_word":1588,"sentiment":"positive","sentiment_score":0.473792016506195},{"text":"Now I did also go back and have a bit of a look at your original advice document there as well and sorta had noted that the projected outcome about five years from when you came on board, which was around 2020, they're expecting to have about a $168,005.89 in your account there.","start_word":1589,"end_word":1641,"sentiment":"neutral","sentiment_score":0.24386584758758545},{"text":"So as of last year, we definitely hit that five five year projected mark, which does mean it is good. You are tracking quite nicely, Yeah.","start_word":1642,"end_word":1667,"sentiment":"positive","sentiment_score":0.4405554234981537},{"text":"and we'll Yep. just keep monitoring things moving forward. Okay?","start_word":1668,"end_word":1677,"sentiment":"neutral","sentiment_score":0.18172461315989497},{"text":"Yep. That sounds excellent. Fantastic.","start_word":1678,"end_word":1682,"sentiment":"positive","sentiment_score":0.6350559592247009},{"text":"Now the other documents in there we do have on the summaries of renovation insurances is your insurance information. So having a look there, you do have some insurances through Neos Life, and you've got some life cover with a current son insured of 210,720. Life obviously pays out a lump sum benefit to your beneficiaries in the event that you were to pass away. Touchwood, nothing happens. Yep. In the event of passing, your super balance is also paid out to your beneficiaries there. With your goal and the life cover, exactly, was there anything particular you wanted to have covered or paid off, or is it just having the amount paid out to your beneficiaries to allow them to to grieve and take time? What was it that you were wanting your life cover to to do? Probably just pay out the beneficiaries. Yeah. And and just they can deal with it. If that makes I love that. Yep. That's sense. They absolutely can deal with the fine. mortgage. Fantastic. With the mortgage, I do have a note here that your the value on your property was about 800,000 last time we called up. What sort of value would you put on the property now, do you think? It's about $7.50. Yep. And I've also bought another property that's Okay. yeah. Yeah. Beautiful. So that's a a what's it called? An apartment. Yep. Oh, beautiful.","start_word":1683,"end_word":1919,"sentiment":"neutral","sentiment_score":0.06430403143167496},{"text":"Fantastic. Excellent.","start_word":1920,"end_word":1921,"sentiment":"positive","sentiment_score":0.4262542128562927},{"text":"An apartment purchase. And what's the value would you put on the on the apartment? So it's about $4.20. 420,000. Beautiful. And are you renting that out as well? Or No. No. I'm living well, yeah, kind of. I'm living in yep. it as well as living Okay. in Phillip Island. Like, I'm doing both. It's because Okay. we're I've had to get work in the city. Okay. So, yep, had to go and have a place to stay. Oh, fair enough. Fair enough. It's like having your own home in two locations, having to rent or get accommodation all the time.","start_word":1922,"end_word":2023,"sentiment":"neutral","sentiment_score":0.06076521141564145},{"text":"Absolutely.","start_word":2024,"end_word":2024,"sentiment":"positive","sentiment_score":0.3525596261024475},{"text":"Yeah. That's that's right. Yeah. No.","start_word":2025,"end_word":2030,"sentiment":"neutral","sentiment_score":0.1789909303188324},{"text":"Fantastic.","start_word":2031,"end_word":2031,"sentiment":"positive","sentiment_score":0.3458244800567627},{"text":"And so do you have a mortgage on both properties, the technical unit as well as your main primary residence No. or just No. a loan Just on one skip? just on one. Yeah. Just on the unit on the apartment. Oh, fantastic. And how much do you have owing on that one at the moment? I I would say about 470. I don't know. Yep. No. That's okay. I can just put an approximate. That's absolutely Yep. fine. Not a problem at all. So, realistically, depending on sort of how things went with your life cover there, with your life benefit paid at and your super balance there, you know, the that can be paid out to your beneficiaries. They could look to sell the unit and all the other property Yep. and then split the difference between the two of them. Yep. There's a few different things that could definitely happen there. But with your Exactly. life benefit, are you fairly comfortable with that level? Did you wanna look at reviewing that amount at all? Or No. I know at this stage. I'm I'm quite comfortable no? with that. Yeah.","start_word":2032,"end_word":2223,"sentiment":"neutral","sentiment_score":0.02518424764275551},{"text":"Fantastic. Excellent.","start_word":2224,"end_word":2225,"sentiment":"positive","sentiment_score":0.3991991877555847},{"text":"Now the other thing you do have is total permit disability, which pays out a lump sum benefit or an income stream in the event that you're unable to ever go back to work again due to permanent incapacity. A lot of people aren't aware, but TBD, unfortunately, if you're 60 and claim on it is actually a taxable payment, I don't like that. I don't think the government should be taxing people who are are permanently unable to go back to work. But, unfortunately, on a lump sum payment or even an income stream, depending on how much you draw down and your age of drawing it down, they capped it up to 22%.","start_word":2226,"end_word":2340,"sentiment":"neutral","sentiment_score":-0.20211289823055267},{"text":"So it is quite a high tax, unfortunately.","start_word":2341,"end_word":2348,"sentiment":"negative","sentiment_score":-0.4861743450164795},{"text":"Gosh. Isn't In that?","start_word":2349,"end_word":2352,"sentiment":"neutral","sentiment_score":-0.16864900290966034},{"text":"the event it's horrible. It's awful.","start_word":2353,"end_word":2358,"sentiment":"negative","sentiment_score":-0.7535945177078247},{"text":"In the event of, say, claiming on that, we would obviously help provide financial advice on how to limit the tax, how to draw down, keep the money working harder for you as well. So we would look to help limit that as much as possible, but it does mean that the amount that you are essentially insured for, you're not guaranteed to receive that exact amount if you do claim and draw it down. In Mhmm. saying that, if you did wanna increase the factoring the the tax side of things, it does increase the cost of the premiums as well. So it is Thank one you. thing one thing to sort of consider. Just wanting to double check there. Are you fairly happy having the same level of of TBD as you have live? Or Yeah. Look at this stage. I'll be 60 next year, so nothing happens before then. Yep. Yeah. No. Definitely. Yep. And, look, if you did wanna keep that longer than 60, realistically, you don't have to keep insurances longer than the age of 60. If you don't want to, these do Yep. stay in place. They do expire eventually, but you can keep them for a bit a couple more years. Yep. We can just review them each year, see how you're going, what they look like, and then, you know, when and if you decide you no longer want them, they're not valid anymore, then we can always look to cancel them. Yep. But, yeah, for the moment, there's nothing wrong with it. If you do keep PCED and you claim after 60, that is fully tax free. So Yep. just you Yep. know, you are very close to that mark where if you claimed on CBD, you get the whole amount.","start_word":2359,"end_word":2658,"sentiment":"neutral","sentiment_score":-0.0668158009648323},{"text":"Beautiful. All good. Excellent.","start_word":2659,"end_word":2662,"sentiment":"positive","sentiment_score":0.5141882300376892},{"text":"Now the other thing I do have here is your income protection benefit. So income protection pays out a monthly benefit in the event that you're off work in the short term due to illness or injury. The monthly benefit you have at the moment here is about $5,001.82. It's a pretax benefit because you do pay tax on this the same as you do your income. And you have a four week waiting period and a two year benefit period. Do you understand how the waiting periods and benefit periods work? Did you want me to kinda go to those in detail for you? Or So I'm assuming the waiting period is like it would for anything. So if you put it in, you'd wait four weeks before getting it. And I'm assuming the period would be over two years. Yeah? yeah. So our waiting period is how long you have to wait prior to making a claim. So with a four week waiting period, you've gotta be off work for four weeks before they'll accept K. the claim. And Good. then it generally takes another sort of four weeks to receive the payment, so you technically don't receive it for about two months. Yep. And it's two year benefit, Harry.","start_word":2663,"end_word":2874,"sentiment":"neutral","sentiment_score":0.03181958578983849},{"text":"You're exactly spot on there.","start_word":2875,"end_word":2879,"sentiment":"positive","sentiment_score":0.38640427589416504},{"text":"The Yep. benefit can be paid for up to two years. At that two year mark, if you still can't go back to work, they stop paying the benefit, and then we gotta look at other ways, maybe accessing super or, you know, trying to get you back to work or Centrelink or savings or some other way of covering the cost, essentially. But Yep. yeah. Oh, Yeah.","start_word":2880,"end_word":2947,"sentiment":"neutral","sentiment_score":-0.0035126819275319576},{"text":"that's good Beautiful.","start_word":2948,"end_word":2950,"sentiment":"positive","sentiment_score":0.5985163450241089},{"text":"Yeah. With your income at the moment, I don't have a figure here currently. I believe last year, we had a to know. income figure, sorry, of about 80,000, 111. Has your income increased on that this year? Yes. It has. Hang on just a moment. That's Let me okay. find it. I'm just trying to find a relatively up to date, basically. So it's now at $108.09 4. $108.09 4. Beautiful.","start_word":2951,"end_word":3022,"sentiment":"neutral","sentiment_score":0.014357214793562887},{"text":"Lovely.","start_word":3023,"end_word":3023,"sentiment":"positive","sentiment_score":0.763770341873169},{"text":"So if we're looking at that, to cover yourself for up to 70% of your current income, you'd roughly need to have a monthly benefit of that 5,885. So you're only just a little bit underinsured based on that at the moment. Are you happy with the income protection level you have? Did you wanna look at increasing that at all to cover the little bit of the gap, or what's your thoughts there? So how would I go about increasing it? Yes. So we can get a quote to show you what the cost might be. Admittedly, Yep. the increase, and it does mean the cost is gonna go up a little bit. At the moment, you did this year, the cost of the insurance was $7,641.16. It's looking Yep. at a super. Yep. So if you like, I can always obtain a increased quote to show you what the expected premium might look like. And then I'd probably just get one of my team to do another quick pre assessment with you just to make sure there's no changes to your health, Yep. and then we can kinda go from there. But if you want, we can start simple. I can just get a quote, obtain that, email it through to you so you can see what the cost might look like to increase the income protection, and then we can kind of decide if you wanna proceed with that or if you're happy to keep it as it is. Does that sound okay? Yeah.","start_word":3024,"end_word":3280,"sentiment":"neutral","sentiment_score":0.0489686131477356},{"text":"That sounds good.","start_word":3281,"end_word":3283,"sentiment":"positive","sentiment_score":0.3730635941028595},{"text":"Let's do that. Yep.","start_word":3284,"end_word":3287,"sentiment":"neutral","sentiment_score":0.2720213234424591},{"text":"Beautiful. Lovely. I'll organize that straight after the call for you. It's not a problem at all. Fantastic.","start_word":3288,"end_word":3305,"sentiment":"positive","sentiment_score":0.4582674503326416},{"text":"Now I don't know if anyone has kind of brought up before, but there are other types of insurance that you can hold. I know we can essentially ensure everything to the health the way we are these days. But there are other types of personal insurance like trauma, which can pay out a lump sum tax free benefit if you were diagnosed, say, cancer, Parkinson's, had a heart attack or stroke. So it's a major diagnosis or a major major event. Did you wanna look at getting any additional kind of insurances, or are you fairly happy with what what you've got here at the moment? Look. I'm I'm fairly happy with what I've got at the moment, Yep. but, yeah, that seems to That's suit absolutely me right now. fine. Yep. Yeah. No. Not a problem at all. And it did mention that you've got kids there as well. I've got them if you don't have any financial dependents. Are your kids technically 18, technically financial dependents, or are they all old and older and self reliant? Yeah. They're all oldest and self aligned now. Yep.","start_word":3306,"end_word":3493,"sentiment":"neutral","sentiment_score":0.012311830324061374},{"text":"Beautiful. Lovely. Lovely. Excellent.","start_word":3494,"end_word":3497,"sentiment":"positive","sentiment_score":0.5615493655204773},{"text":"And I can also see on the bottom here that you have a will. It was done up about 16 ago, but it is fairly accurate to your circumstances. Is that correct? No. I'll have to update it. I was thinking Have about to get that updated? today. Yeah. I No. have to find it and update it. Yeah. Updated. Not a problem. Do you have a local solicitor that you use to have your will updated? Yeah. We do. So it's just a matter Yep. of because they've moved. I don't know Yep. what's happened to the wheel. So, yeah, I'll get my husband to look into that. No. Not a problem at all.","start_word":3498,"end_word":3612,"sentiment":"neutral","sentiment_score":0.035771701484918594},{"text":"Fantastic. It is definitely worth updating every couple of years, and our circumstances can very much change.","start_word":3613,"end_word":3629,"sentiment":"positive","sentiment_score":0.3990907669067383},{"text":"I do also have your beneficiaries nominated on file here as well. So we do have on your super I believe it is Georgina and Daniel to receive 50% of your super benefit each. Is that how you wanted your super paid out? You're comfortable with that Yep. one? Yes. I am. Yep.","start_word":3630,"end_word":3682,"sentiment":"neutral","sentiment_score":0.1814206540584564},{"text":"Beautiful. Fantastic.","start_word":3683,"end_word":3684,"sentiment":"positive","sentiment_score":0.5127561092376709},{"text":"I'm just having a quick look to see if I can see what's on your insurance policy there as well. It doesn't look like it gives me the beneficiary nominated, but I can go back and just quickly grab the beneficiary form. I do apologize. Benefit. There we go. Okay. And so on your life insurance benefit, I had it noted here that you wanted 50% to go to Joseph, so that's your husband. And then I've also got 25% each to be paid to Georgina and Daniel. Is that still comfortable for you? Yes.","start_word":3685,"end_word":3779,"sentiment":"neutral","sentiment_score":0.024542099649184627},{"text":"Beautiful. Fantastic. Just making sure that's all up to date and accurate. Lovely.","start_word":3780,"end_word":3792,"sentiment":"positive","sentiment_score":0.6420516967773438},{"text":"I also have other assets Yep. noted here. Your car, you've got a Mazda. Last time we all caught up, we had an asset value about 9,000. What sort of value would you put on the car now? Do you think what's the value with it to you? That's It's probably only about 4. 4? Beautiful. And you own the car outright? Yes. Yep. Fantastic. And do you have any other assets or liabilities you'd note down? Any other cars, boats, caravans, or No. collections? No. No. That's okay.","start_word":3793,"end_word":3881,"sentiment":"neutral","sentiment_score":0.05758562684059143},{"text":"Fantastic.","start_word":3882,"end_word":3882,"sentiment":"positive","sentiment_score":0.3573438823223114},{"text":"And I've got your husband, Joseph, down as your next of kin there. I just need to update the file and grab a contact number for him. Could I grab that off you? So it's 03 Yep. 5952 Yep. 6167. 167.","start_word":3883,"end_word":3923,"sentiment":"neutral","sentiment_score":0.0702967494726181},{"text":"Beautiful. Thank you so much for that.","start_word":3924,"end_word":3930,"sentiment":"positive","sentiment_score":0.5260652899742126},{"text":"That's okay. Having a look, now the looking goals wise for you with where we were sort of tracking, I know things could definitely have changed since you came on board originally, but we haven't noticed that you were hoping to access super around about the age 67. Looking forward, what age are you sort of hoping to be able to retire and access your super? I would love it to be 67. I don't know if I can continue Yep. doing work anymore. No. That's understandable. And you're 59 in November this year. That's correct. Yeah. Beautiful. Well, not a problem. And if you're happy with that, I can still leave age 67 as the access point there for you. Just so you are fully aware, though, you can actually retire at age 60 if you choose to fully retire and stop working. They do allow you to access your fees at that point. Alternatively, at age 65, you can then start growing your income or taking lump sums regardless of whether you're working or not. You don't really have to wait till 67. It's more just what we're tracking Yeah. forward with go wise to yourself. But do you think you'd be working to 67, or do you think you probably wanna retire a bit earlier? I'll probably keep going. Yep. Yep. I don't know That's yet. okay. No. That's okay. Not a problem at all. And I can see with your contributions, there's no additional contributions going Yep. in this sort of employer paid. Are you wanting to make additional contributions to Boost Super even more, or you're just finding it's not really preferable right now? No.","start_word":3931,"end_word":4210,"sentiment":"neutral","sentiment_score":0.06783425940998963},{"text":"It's not doable right now.","start_word":4211,"end_word":4215,"sentiment":"negative","sentiment_score":-0.382070928812027},{"text":"So yeah. Nope. That's okay. Not a problem at all. If you ever did want to, please let us know. We are happy to update the advice and reflect that. Okay. When you do reach the age of 60, there are some other really cool strategies we can put in place as well where we can increase contributions, but we can also access a little bit of super to keep your take home pay relatively the same as well. So if Yeah. you're K. wanting to, when we get closer to 60, we can always have that conversation and talk through some different strategies and maybe update the advice to see where we can boost on your super if you like.","start_word":4216,"end_word":4336,"sentiment":"neutral","sentiment_score":0.12068048119544984},{"text":"That sounds good. Yeah. Fantastic. Excellent.","start_word":4337,"end_word":4342,"sentiment":"positive","sentiment_score":0.5764296650886536},{"text":"And do you have any other goals that you're looking to achieve over the next sort of one, two, five, or ten years aside from, you know, accessing sick from retirement? No. Not at this stage. Nope. That's okay. Are you hoping to have the the like, the unit's mortgage paid down by retirement, or do you think you'll probably sell that? What's the long term plan for the unit? I don't know. Probably we'll No. probably we'll probably sell it. I don't know yet. Probably But sell it's it. yeah. I don't know. It's Yes. That's okay. we could. We Absolutely might leave it. fine. I don't know. Yeah. Just don't That's know. alright. See what life throws at you. Hey. Exactly. No.","start_word":4343,"end_word":4466,"sentiment":"neutral","sentiment_score":-0.003384470879550903},{"text":"Not a problem at all. That's absolutely fantastic.","start_word":4467,"end_word":4474,"sentiment":"positive","sentiment_score":0.5624411106109619},{"text":"So as I kinda mentioned, you've got that email there that does have all the documents attached that we do have there. So your superannuation insurance summary, the asset performance report there for you as well. We've also got a certificate of currency for your nearest insurance policy. I'll go back and get an increased quote and email that through to you so you can let me know whether you wanna go ahead and look to increase that or whether you're happy just to keep the premiums as they are. Yep. I'll add a little bit of information detail into that email for you as well. And if you find you have additional questions, just come back and let me know. Okay? Sounds good. With with the changes we have just made to your portfolio, I'd be inclined not to make any additional switches or alter the investments right now. I think just letting them kind of go through what we're seeing at the moment, and we maybe review that in that six months. Are you comfortable with that? Yes. I am. Yep.","start_word":4475,"end_word":4657,"sentiment":"neutral","sentiment_score":0.1343952715396881},{"text":"Beautiful. Excellent.","start_word":4658,"end_word":4659,"sentiment":"positive","sentiment_score":0.5521210432052612},{"text":"And we've also got attached to that email there, the ongoing service agreement. So if you're happy with how things are going and once they onboard as our client for the next twelve months, I just ask that you sign and return that back just to kind of make sure that we are disclosing everything to you. You do pay an ongoing service fee for having us as your advisers. It is 1.65 percent per annum, and it's deducted in smaller monthly increments that you're through for there. So, Yeah. essentially, with the ongoing service fee, when the market is performing really well, the fee does increase a little bit with it. However, when the market does take a bit of a dip as it is a percentage based fee, it dives with the market as well. So it's about making sure that our fee is fluctuating along with your portfolio and the market Yeah. as a whole. Does that make sense? Do you have any It questions does. in relation Yeah. to that? Yeah. No. Yep. No.","start_word":4660,"end_word":4837,"sentiment":"neutral","sentiment_score":0.09276934118753068},{"text":"Beautiful. That's all good. All good.","start_word":4838,"end_word":4843,"sentiment":"positive","sentiment_score":0.5199154615402222},{"text":"You've also got the financial services guide attached in our overview guide, which has all the information on myself, my licensing information as an adviser, and all the other details that I see you as well. So if there is anything that you ever have, let me know.","start_word":4844,"end_word":4891,"sentiment":"neutral","sentiment_score":0.22956669330596924},{"text":"I'm more than happy to make time to have a chat. I'll get cracking on this quote for you to get that organized.","start_word":4892,"end_word":4914,"sentiment":"positive","sentiment_score":0.5030566453933716},{"text":"Oh, and the only other thing I have to let you know is that updating another form of tax there is the tax file opt in form. So we do hold your tax file number. Yep. It's important that we do do so because we help set up your super and your life insurances. But that document is just outlining the reasoning of why and how we hold your Right. tax file number, and we are very security conscious. So we are just getting that form updated. So you will see that attached there. I just want to make sure that I go through that with you and explain that we're not gonna disclose it to anyone. It's just we have to hold it because of your safe and your life Yep. cover, and we Yep. just wanna make sure that you're aware of the information we hold, and it goes through that detail for you on the form. Okay? Not a problem.","start_word":4915,"end_word":5077,"sentiment":"neutral","sentiment_score":0.08323027193546295},{"text":"So that I've signed Beautiful. all that and sending it Legend.","start_word":5078,"end_word":5088,"sentiment":"positive","sentiment_score":0.3783574104309082},{"text":"now.","start_word":5089,"end_word":5089,"sentiment":"neutral","sentiment_score":0.25959694385528564},{"text":"Thank you so much, Jenny.","start_word":5090,"end_word":5094,"sentiment":"positive","sentiment_score":0.5895135402679443},{"text":"Do you have any questions? I know I go through a lot, and I'm so sorry. Is there anything you wanted to ask me or anything I may have missed? Or No. No. There's nothing at the no. moment. Yeah.","start_word":5095,"end_word":5134,"sentiment":"neutral","sentiment_score":-0.08582148142158985},{"text":"Beautiful. All good. No worries. We'll all get Lovely. that quote through, and then we can kinda go from there for you.","start_word":5135,"end_word":5156,"sentiment":"positive","sentiment_score":0.42445898056030273},{"text":"Yeah. Okay?","start_word":5157,"end_word":5158,"sentiment":"neutral","sentiment_score":0.21708977222442627},{"text":"That sounds good. Excellent. My pleasure. Hope you have a lovely afternoon and a great weekend ahead.","start_word":5159,"end_word":5175,"sentiment":"positive","sentiment_score":0.7540900111198425},{"text":"We're Tuesday now, but the weekend is not far That's true.","start_word":5176,"end_word":5186,"sentiment":"neutral","sentiment_score":0.20992811024188995},{"text":"Thank you so much, off. Dana. My pleasure. Enjoy your afternoon, Jenny. It was a pleasure talking to you. I'll get cracking on this quote for you and get an email to you shortly. Beautiful. Thank you so much. Have a great afternoon. You too. Thank you. Thank you. See you later.","start_word":5187,"end_word":5238,"sentiment":"positive","sentiment_score":0.6900748610496521},{"text":"Bye. Bye. Bye.","start_word":5239,"end_word":5241,"sentiment":"neutral","sentiment_score":0.16491031646728516}],"average":{"sentiment":"neutral","sentiment_score":0.06957330776737561}}}}