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I do apologize. No. No. Perfectly fine. I'll normally do, like, a call, voice message, and a text. We can always catch each other, and I've locked out plenty of time as well. So glad to catch you just as you get home. What I'm gonna do today is I'm gonna shoot you through an annual review pack through our new system that we've just switched to over Christmas time. It may come through to your spam box or your main inbox for the first one just to get through the filtering, if that's okay. Now just to double check your Gmail address, Emilyjwalkedin@Gmail.com. That's still okay? Perfect. So I'll pop this through to you now. Will you be able to look on to this email with me today, or should I just explain what's there? Fantastic. So it's gonna include some attachments like a normal PDF attachments for an email. It's gonna have your Hub twenty four performance, updated financial services guide with us, license details, complaints procedure, what we can and can't give advice on. I'm gonna shoot that through to you now. There will also be a link to your service agreement. So if after this review, you're still happy with our services, your service agreement does expire with us in four days. So I just wanted to shoot that through as well. So that should come through. It's usually pretty instant. I've only had two cases where it took a few minutes, so let me know if that pops through okay. Amazing. Now before I jump into it, I do wanna double check some of your details as well just with the cross reference of the system because there was, like, three addresses I saw. I wanted to make sure that's all good. Is there anything in particular you would like to get out of this year's review? That's nice. It almost sounds like you got a bit of peace of mind, perhaps. Yeah. Absolutely. So the the old spot check is fantastic. It's always good not to close your eyes for ten years and wake up and go, oh, no. It's wrong. Just try not to panic yourself too much because everyone that I've seen that checks it daily, anytime the news pops up, Trump's done this, Iran's done that. You go, oh, my super has gone down $3,000. What am I doing? And it's just it can be a bit of a panic. Cool. So today, we'll just go through a bit of an update on how it's going if we need to make any updates and changes to your investments. I'm going to double check the estate side of things. And I don't believe you have any insurances whatsoever. So I No. That is okay. So I'm just gonna briefly touch on it today, but let's go through some of these details. Do you mind if I just go through what we have on file? So we have the main goal for you is a nice and early retirement more towards age 60, which is when you can access your super, not pushing it out to age pension age of 67. Does that sound about right? Perfect. You did have some sort of short, medium, long term goals about building a family over time, just updating the super at that time and then the early retirement, bit of financial freedom there, and also purchasing property. Now I am looking at some older information, but has any of that changed goals wise? Oh, congratulations. Okay. So just so I can cross reference everything, is that the address that we have on file and okay to just do security with you before? So it's not Olinga Street. Perfect. And that is not Dreamer Crescent or Littleford Circuit? Yep. Perfect. Did Caden get your new address? Okay. Could I grab that now, and I'll update that on all files? So we've got number and street, unit fourteen, fifty two Queen Street in Southport. Oh, you're not far at all. Fantastic. Well, if you ever wanna pop by for review in office or anything like that, the team would love to get you a coffee and hang out for a little bit if you ever had the information to pop in. The new office is fantastic. We've got art pieces everywhere. Everything is in oak view, tree themed rooms, all that kind of thing. We got fancy coffee machines if you're that way inclined as well. So I'm gonna just quickly do a little look. Unit 14 at 52 Queen Street, Southport. Now do you know off the top of your head how much it was valued at and how much you have owing on that? Fantastic. That's that's gonna be a fun one to knock down over time. Not the worst I've seen for first homes, but pretty good. Pretty good. The the oldproperty.com.au has it averaging at about 775,000. Does that sound about right? Yep. Or it could be close to 800,000 kind of thing. So somewhere between $7.75, 800, do you think? Perfect. Alright. So we've got a significant change in terms of a mortgage now. So that's definitely a bit of a difference. Are you you're still working for Hilsey. Right? Cool. So contributions are still coming in monthly there. That's great. They have just changed the legislation for that to come in with the pay. So if you're paid weekly, once we get to July, your contributions will be coming in weekly as well. So it has purely a fantastic effect. Fantastic question too. The negative would be is if we were doing more transactions per month, you may get brokerage fees to purchase the investments that we've recommended for you because they're EPS. Now what tends to happen, though, is that they do, like, some rebalancing every month with Hub, but your contributions get to go in there weekly. So, basically, it does two things, investing quicker and investing longer, so more compounding returns. And, also, have you ever heard of dollar cost averaging before? Cool. So think of it like this. If you have a graph that's zigzagging up and down like the stock market does, if you put in one contribution for a year and the stock market tumbles, your super just tumbles with it. But if you put it in gradually weekly throughout the year, you get to smooth out that entry point. So it smooths out the fluctuations. So if you ever told me I have $200,000 to invest, Tommy, I would probably spread it out over a period of time and not just whack it all into some shares on one day. Okay? So that is fantastic. With work, are you still a sales agent earning around about 52? I'm assuming they've bumped you up a bit. $9.09 8. I'm gonna put the exact in because that's brilliant. We don't often get the exact. So when I get one, I'll take it. Look. Good luck negotiating the $2 pay rise per year. I reckon I reckon you'd have all kinds of arguments for it. I reckon you'll get it. So rentals department, you guys obviously bounce between office and inspections through the Yep. Do you have a bit of a percentage split between how much you would be on the road versus in office? Yeah. Anywhere anywhere between 50 to a 100 for the week. You you'd be full time, of course, about thirty eight hours, usual thing. Beautiful. Do we have you did have you did have a diploma in fashion textiles and marketing. You've got your on top of that, you'd have your lighting license, I'm assuming. Yep. And do you have anything else like bachelor's degrees, anything like that, like postgraduate, anything to add on top? No. That's perfect. Alright. So that's all updated. Do you have anything else in the way of assets and liabilities? Do you guys have significant savings there sitting in offset or a rainy day fund, or has that all kind of been depleted? Yep. Hey. That's pretty good in this day and age. There's people running around paycheck to paycheck, so 10 grand's pretty good. We had a motor vehicle at about $20,000 where you were owing just under 10. Do you still have a vehicle loan? No. That's not the biggest thing for us. It's like, we're not gonna tell you to sell your car to put into your super or anything like that. It's just to get a good snapshot. So same car, no debt. Beautiful. Anything else in terms of shares, crypto, million dollars under the mattress? Yep. It doesn't exist. Mhmm. Okay. So what about loans and liabilities, personal loans, anything like that, or is it all just wrapped up in the mortgage now? Cool. So because we still have many, many years until retirement, you've got a nice big new mortgage, which is always nice to adjust to, interest rates going up and budgeting changes and things like that. Do you want to revisit personal investment at some point over the next three to five years to try and get something growing alongside it, whether that be property shares, managed funds? What are you thinking? Yep. Perfect. So one of the things that we do pretty heavily and because it's been a couple of years for you now in our financial services guide or Oakview services guide, we have this lovely little tree diagram called the wealth cycle, and it talks through it's an analogy talking about setting your roots and building a trunk and branching out and seedlings and all this kind of thing. What it really comes down to is moving through life stages. So we'd originally reviewed your super, getting that growing faster. Next stage after that, you've gotten the house. Then we can slowly branch into investment properties, debt management strategies to pay it off quicker, personal investments, all that kind of thing. So we slowly move through them. Once you've got that, let's say you upgrade to the next home, rent out your current one, you then have two big assets, which you can start to use to invest from. Or if you prefer, you can invest with your own savings and cash flow rather than just borrowing all the time to get more investments and more assets. We can kind of guide you through either direction. It just depends on time frames. Do you wanna look at it once you've paid down the mortgage to a certain amount? Do you wanna look at it once you've built up, say, 50,000 in savings? When would be a good time to revisit it kind of thing? Amazing. So when it comes to cash flow, you've got this current position. How much can you set aside as surplus cash flow at the moment? Yeah. Yeah. Yeah. Well, there's nothing bad about pulling cash into an offset account because, of course, it's liquid, and then you can pull it on to purchase a car. If something happens, you can then invest it later. So piling cash in there is only ever beneficial. So when it comes to the landscape of investing, the the quick and dirty of it, I would say, is you've got a hub twenty four super fund. They're kind of like the Ferrari Rolls Royce of super platforms because they have the most investment options, but that makes them a little bit more expensive. So if you were to jump in and, for example, they do offer personal investment accounts alongside your super, you can actually have your super and an investment identical, mirroring each other side by side on the one login. That is something that we do a lot of where people will put in, for example, $50,000 into that, and we can invest it identically to the super and some really high growth assets, or we can make it conservative. We can pick and choose and build the portfolio. We can make it safe. We can make it medium risk. We can make it high risk. The problem that you get is because it's a $180 flat fee per year plus percentage based fees is you don't wanna put in, for example, like, $10, and then it gets eaten away by fees and the returns don't take it anywhere. Once you have the account open, you only really need to put in, say, 50 a week to dip your toe in the water and start that rolling because it's like $200 a month is kind of like a minimum investment amount. Now below that, you've obviously gotten crypto before. You can easily set up, for example, like a Comsec trading account or a Navtrade account. And if you wanted to buy some shares or ETFs or something like that, you could jump into that. And the only cost is the brokerage, which is, like, $18.50 or something like that. Yes. So what I would be saying, I would not be giving you, like, a full advice piece on doing a little bit of investing in your brokerage account because any fees I would charge you wouldn't be any point if you can literally go on there and pick a Vanguard high growth fund or pick a few different investments and and let it go for a while. But if we do get to a point where we wanna use a platform, whether it's Hub twenty four or someone a bit more affordable because there's options everywhere, we can definitely look out, okay, do we start with $10.20, or 50? And, again, that 200 a month is kind of a a good starting point. Cool? When we get to that point, we'll also do a separate risk profile. So what we would kinda do is say your super is invested this way because it's for retirement. But if you're wanting to invest personally and you're gonna access it in three, five, ten years, whatever it is, we need to invest you slightly differently. So we would actually go through a whole questionnaire again and split the way we're investing into two different portfolios. Yep. And that's really because if you can't touch your super for thirty years, well, go for it. Go for growth. Go for as much as you want to try and build up to a million dollars. And then when you get close to retirement, you can then protect it. So you can build it for thirty years, and then when you're in your late fifties, you can slowly start making it safer. Because, of course, you don't wanna be high risk at the age of 64, and then the stock market wipes out half of your super before you access it. Whereas completely different ballpark when it comes to personal, some people are investing. So when their kids are 18, they've got a house deposit. Some people wanna do it for an early retirement in their fifties. Other people just wanna grow it faster than the mortgage. K. Any sort of questions on that? Any thoughts or ideas? Cool. So that will be something where I'm gonna put that down as the goals for Yeah. The mortgage, future investment, and every year, we're gonna slowly touch on it. And when it comes time to do it, we'll jump in together. Cool. Cool. Speaking about your hub portfolio while we're on the subject, I'll go through that report with you. Do you have open your hub twenty four performance report by any chance? So that email I sent you, I extracted one of those. Your login is different than an adviser's login, so you've got less reports to look at than we do. So that's why we always pop one of these out for you. Now can you see a nice big blue table with a smattering of figures and codes? Okay. So how you interpret this one, left hand side is all your investments, and the very, very far right is the percentage return of those investments. And the next page, it has a single line for your overall portfolio. So my figures will be slightly different to yours because I've just generated them before the call. On the left hand side, you've got your Bennelong Australian shares. That one, can you see how it's in brackets on the right hand side? So the percent is in, like, a little bracket symbols. Yep. So that one's actually going down for the year. Now all the other ones I can see there underneath it, your bank hybrids, that's like your safe investments that aim for the three to 5%. That's fine. Cybersecurity, funnily enough, went down a little bit even though it's such a big thing with AI these days. Everything else is looking really, really strong. Your Australian shares underneath that, 24%. You had a huge benefit from the electric vehicle search. Your battery tech and lithium, a 100 and 14%. So that's been massive. Your gold allocation went up almost 27%, and then your American shares another 17%, and property went up a little bit too. So overall, everything's had huge growth. After fees, 14.3 14.35 return as of today. We're aiming for a long term average of double digits. So anything above 10, we're on track. Now with your risk level, because you're in that high growth, you have 90% in growth assets, shares, property, high risk, high return, and that's obviously for the high long term growth. When you get close to retirement, in that last seven to ten years, we will gradually reduce you down eighty, seventy, sixty, fifty, 40, and that's your pension account, your conservative pension account to live off. So as long as you're okay with it being that kind of roller coaster in between, value wise, I think you came on with about 44,000. You're sitting at $73.04 50. Quick idea about volatility just so I can make sure you're comfortable. You went from 73 down to 68 and then back up to 73 all in the span of a month. So Yeah. So $5 up and down in a single month is very normal for high growth. What it basically comes out to be like is, let's say, your your contribution's at 70,000. You're getting around about 8,000 into your super. 10% return on a $70 balance is 7,000. So you're almost at a point where your returns are gonna be equaling your contributions. But once you go above that and you've got 200,000, 500,000, now we start getting returns of twenty, thirty, forty, fifty up and down in a single year. So it takes a little while to get going, but once it does, the compounding just takes off. And then in those last fifteen years, you go from 400 to a million, and then you've got to try and protect it. Now everything that you've pretty much got is these low fee ETFs. So they follow those different sectors and countries and assets very closely, and they're very low fee, very good long term returns, but they just follow what's going on in the world. So you have to be comfortable with that dollar cost averaging I was talking about. Your contributions go in. They're buying very regularly. If the market dips, we just use it as a buying opportunity. So you're okay with that? Perfect. I think the only thing that I would do is that one Australian shares option that's in the negative. That actually shouldn't be in the negative. Most Australian share funds are positive two or 3%, not down nine. And the Australian been along at the top. Yeah. So, normally, if you have one out of eight options underperforming, I would put a flag on it and say, let's watch it. But I'm quite familiar with this fund, and we've been talking as an entire company in a licensed group, and we don't think it's going to pop back. So just to optimize things, I know it's been returning well. I would like to get you a switch out of that one option and basically keep most of the rest of it the same. Cool. Now I do have one question for you because you get to pick style of investment. I've got many alternatives for you. If you had to pick between lowest fees or pay more and try and get a higher return, which way does your gut feeling lean towards? Yeah. Absolutely. And I don't have too much of a personal preference in it because I can pick the best low fee, the best high fee options available. We do have a couple on menu that we've been looking at. So if you're okay for that, I will do a little bit of research and a comparison and update your statement of advice document, and I'll run you through it before we change anything. Perfect. Alright. Any other questions on the super so far? Yeah. That's awesome. I mean, I think it came in it's rolled in in November '23. So, yeah, it's kind of coming close to that two and a half year mark. Now when it comes to the admin side, we don't have your beneficiary nomination on your hub account, so who it goes to if you were to pass away. Well, you generally, a valid nominee would be someone who's financially dependent. So spouse, child, someone who lives with you that you look after, not really brother, sister, grandparents, that kind of thing. Now can I just quickly check? And I do apologize. Did you say that you bought a house with somebody? I was I was just staring at your original fact find where you were single at the time, and I was like, hang on. I I swear are you guys engaged or married or de facto? He's slow. Look. I was seven years slow too, but they get there eventually. Hey. We've been together for twelve coming on 13. We've got our third child on the way in June, so I got there eventually. Thanks. Perfect. So I'll put him as de facto. Do you want him to be listed as your next of kin in place of Heidi, like emergency contact for us. Perfect. Can I please take down his full name and phone number by any chance? Yep. Alright. Ruben Healy, e u b e n. Healy, h e a l y. And phone number. Yep. Go for it. Zero four six seven three seven six 213. Perfect. Do you want Ruben nominated to receive your super if you pass away? Do you wanna kind of leave it with no nomination? What are you thinking? Well, let me ask you this. Do you have a will in place at the moment? No. So most everything of yours will go to, like, public trustee. People will pop their hand up. I'm sister. I'm spouse, whatever it is. And the government will have to try and figure that out between the super, the house ownership. I guess the rule of survivorship probably go to your spouse house wise, so that's okay. But your shoes, your bank account, that kind of thing. Are you sure? You don't have to. Oh, cool. Make sure to tell him that you're thinking in that way, and then hopefully that urges him along a little bit quicker. So you do have we'll send out some forms. You do have to, like, wet sign them ink pen because it's a legal document, get them witnessed. We've got a lot lovely little instruction letter over the top so you can't miss it. You do get to choose between whether you want the nomination to lapse or be continuous. So it can expire every three years, or it can just continue on until you change it. Do you have a preference between the two? Well, usually, I've got someone whose marriage is like, just put it continuous so I don't have to think about it. And other people, it's like, you know what? If I have to review it every three years, that's nice because my life's gonna change. Really no wrong answer there. Yep. Lapsing. And this is a bit of a silly question, but you do have the option to make it legally binding or nonlegally binding, which means the super fund has discretion. I don't know why anyone would choose nonbinding. I think some industry super funds have people nominating dogs and brothers, and anything can be a nonbinding nomination because it's like, hey. It may work. It may not. But generally speaking, legally binding is the way to go. Alright. I'll make a note for him. Do you want us to prefill any of his details on the form, or are you okay to fill that in? Cool. I'll send that through to you. Now when it comes to cash flow, the last question I did have for you on that before the last topic is contributions. Do you wanna look at any salary sacrifice because you did just get a big mortgage in October? So cash flow priorities between debt, savings, super, and investing, how would you rank those four? So in terms of putting extra contributions into your super, the old salary sacrifice tax deduction there, what I'm really thinking here is what are your cash flow priorities? Is it build up the savings, pay off the mortgage, do some personal investment, or is it bumping up your super? Cool. Savings and investing first. And, look, there's plenty of things you can do for super down the line. If you're earning decent amount and in high growth, it tends to take care of itself. If you need to do $50 of salary sacrifice in your late forties, that's possible. You can do transition strategies, heaps of things. So I'll put your priorities down as savings and investing for the time being just so we're not constantly asking you, would you like to put extra money in your super, which if we've got some investing to do, no point walking away until 60. Cool. Alright. So savings investing is there. When it comes to your insurance situation, that one was a little bit tricky. I was just having a look at it there. Did you want me to get any kind of quotes for, like, life insurance to pay off the mortgage or something like that? So that's what I'm trying to kind of I'm just getting a bit of a mental picture here. So you're currently low oh, hang on. My brain's gone. $20.25, $19.95, 30. Sorry. Just turned 30. 30 is the sweet spot for pricing. That's not just me saying that because I don't like selling insurance. But generally speaking, I did an analysis in 2014 when I entered the industry, and '29 and '30 is the cheapest year. For some reason, an 18 year old is more risky, and everyone after 30 has health problems. So so the logic makes sense, but it was interesting to find. Now because you're in real estate, pretty well office based, I think rental side of things isn't too much of a risk on the occupation ratings, so that's okay. Possibly just like white collar, which is nice and cheap. We did have you listed down as a smoker, smoker or vapor or something like that. So that doubles the price, which is painful. If you're ever twelve months nicotine free, they'd class you as a nonsmoker, and that chops down quite a bit. You did have, just in terms of previous health concerns, medication for headaches back many years ago. Still doing that. Yeah. Absolutely. Now is there any other like, is there an underlying condition there that's been diagnosed or anything like that? Yep. Awesome. So when it comes to insurance side of things, I can get quotes. I can just keep it at that mortgage level for, say, life insurance disability cover. So you pass away, never work again, mortgage is paid off for your partner, future family, and so on. Is that something you want me to kind of do some research on and see what it looks like? Yes. So let's say the prices are too expensive at the moment. We call you up in a year's time and we do a review, and you said, yep. After our conversation, I quit smoking straight away, then we can do some quotes as a nonsmoker's rates at the next review too. Perfect. What about I have to run through all four of them. I do apologize. Life and TPD, that's your life insurance disability. There is income protection as well, which is income replacement if you're out of work for more than, say, a month to replace 70% of your income so you can keep the mortgage going. Is that important for you guys too? I'm led by you on that one. Yeah. It's one of those annoying ones where income protection is the most expensive but the most claimed on because everyone's got something that pops up whether off work for three months, six months, whatever it is. I tend to it's purely up to you, but I tend to have a bit of a flag point on pricing where if it goes above 30% of your contributions, it starts to really eat at your super and slow down the growth. So for example, I could basically say you're on $69.09 $9.08. 12% of that is 8,400, and 30% of that is 2,500. So, potentially, if total premiums for three insurance policies under 2 grands, I would possibly recommend it. Thoughts on that? Yes. So let's say it was a 2,000 premium. You get, like, a 15% rebate off of that, drops it to about $18.50. Yeah. Realistically, I I like to see people in our age group under 1,500 in total. If the smokers rates are gonna push you up closer to 2,000, potentially. If I do the quotes and it's 3,000, I'm not even gonna consider it. K? So what I'll do is I'll put together that update for the investment switch, and then I'll get you some life TPD and income protection quotes as well. I'm gonna recommend all of it, and then you can just write into the document what you would like to go ahead with or not. Cool. You do get to choose between a waiting period and a benefit period. So thirty days is standard. You're out of work for a month. You can go push it out to sixty days or ninety days to make it more affordable if you can last two months, three months on savings and partner's income. The other side is benefit period. They can pay you monthly for two years, five years, or age 65 all the way through to basically retirement. I can guarantee right now if I did thirty days age 65, which is the big one, with smokers' rates, we're we're talking 3 and a half thousand. So do you have any idea about how long you could go without your income for? Yep. Okay. So what I will do is would you say it's more important to make sure that mortgage is covered off for, like, the life insurance disability, or is the income protection more important for you? I know. I'm so sorry to bombard you with all the tough questions. Okay. Perfect. So what I'm gonna do is I'm gonna start with the life and disability covering the mortgage. That'll be the baseline cover. Then I'm gonna try and work income protection on top. And if thirty days, age 65 pushes that to $4,000, I'm gonna start trimming it down. I will leave it as a maximum of sixty days, and I'll just work back the benefit period from a sixty five, five years, two years until I get to an affordable amount or chop it. Cool. Did you want any quotes for trauma insurance, which is heart attack, stroke, and cancer? You can only pay for it out of pocket. K. So what I'll do, I'll do a standard 100,000 for, like, medical expenses. Your partner can take some time off if you ever have a heart attack or get cancer. And I just need from you maybe some affordability in terms of a monthly amount. Would 20 a month, $30.40 a month be the maximum, a 100 a month? Like, how important is that, that life event? More so dollars per month because I can kind of work out what the premium is gonna look like. I'm gonna find the most affordable provider. I'll do a comparison across all insurers, find the most affordable. But how much can you actually afford to pay out of a direct debit potentially for that? And this is the fun thing is because you've got that $152,100 dollars a week of surplus cash flow, there's so many things it goes for. Savings, mortgage, investment, super insurances. You can spend your money on everything. It's about priorities. Did you want me to leave it for now? Just do a quote to see what it comes out like. Correct. Life keeping in income protection can be through your super. Trauma can only be out of pocket because it can't actually be released from super if you claim on it. Yep. Perfect. So I'll just go live TPD income protection and and investment switch and some future investment discussions. Perfect. Now take a take a breath. That's pretty much it. We've gone through everything it is possible to go through except self managed super funds, and I'm not talking about that tonight. That's for sure. Any questions so far on your end? Awesome, Emily. So this will take me a couple of weeks to do some research, quotes, all that kind of thing. I don't wanna go through, like, a full medical questionnaire with you tonight because it could take us half an hour and don't wanna take up your whole night. Just for underwriting purposes, would it be okay for me to get the team to walk through some medical and occupation questions with you over the next fortnight? What we tend to do with it is anonymously preassess with insurers and say, hey. Based on the headaches, anxiety, and so on, is there gonna be a loading where they bump the price up? Is there gonna be an exclusion on a health condition? And we just try and make sure we pick the one that's gonna get you the best outcome. Perfect. Is there a good day or time I can book that in with you? Perfect. And you're in Queensland. Dang. That is the one time where we are shutting the office at 02:30 because we've got a whole bunch of millennials that do four day work weeks and 07:00 finishes so they can finish early on a Friday. Yeah. Perfect. Like, we've got everyone going till 07:00 most nights, so So there will always be someone that can touch base with you just for twenty minutes, run through the questions, and then we'll go off and do the research. Alright. 05:30 onwards any day. Awesome. Now is there any other last questions before I let you go? Cool. That email, like I said, it does have your service agreement there too. Are you still comfortable for us to look after your super for the next twelve months? Cool. The fees haven't changed. They're still 1.65%. That caps at 600,000, like I mentioned. So, again, may seem quite far away, but most people our age are gonna get to half 1,000,000, 1,000,000, 2,000,000, and so on. So there is a cap at that point just to make sure it's not going too high in those later retirement years. Cool. That's through there. The Odoo sign document there, it's it's similar to DocuSign, but it's a little bit different. There's a button at the end to download a signed copy. So if you're comfortable with that, just hit that button. If you miss it and you want a copy of your signed documents, just let the team know, and we can email it through. Awesome, Ellie. Well, I've had a fantastic evening talking to you. Do you have any other questions for me before I let you go? That's alright. We'll catch you one evening for the research, and the team will book you in probably in two to three weeks' time to go through that updated portfolio and quotes. Awesome, Emily. Have a fantastic evening. Thank you so much for your time. 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afternoon, Emily. It's Tommy here, senior adviser from Oakview. How are you doing? I'm doing fantastic. Thank you so much for calling in.\n\nI was just running back from the bathroom. I do apologize. No. No. Perfectly fine.\n\nI'll normally do, like, a call, voice message, and a text. We can always catch each other, and I've locked out plenty of time as well. So glad to catch you just as you get home. What I'm gonna do today is I'm gonna shoot you through an annual review pack through our new system that we've just switched to over Christmas time. It may come through to your spam box or your main inbox for the first one just to get through the filtering, if that's okay.\n\nNow just to double check your Gmail address, Emilyjwalkedin@Gmail.com. That's still okay? Perfect. So I'll pop this through to you now. Will you be able to look on to this email with me today, or should I just explain what's there?\n\nFantastic. So it's gonna include some attachments like a normal PDF attachments for an email. It's gonna have your Hub twenty four performance, updated financial services guide with us, license details, complaints procedure, what we can and can't give advice on. I'm gonna shoot that through to you now. There will also be a link to your service agreement.\n\nSo if after this review, you're still happy with our services, your service agreement does expire with us in four days. So I just wanted to shoot that through as well. So that should come through. It's usually pretty instant. I've only had two cases where it took a few minutes, so let me know if that pops through okay.\n\nAmazing. Now before I jump into it, I do wanna double check some of your details as well just with the cross reference of the system because there was, like, three addresses I saw. I wanted to make sure that's all good. Is there anything in particular you would like to get out of this year's review? That's nice.\n\nIt almost sounds like you got a bit of peace of mind, perhaps. Yeah. Absolutely. So the the old spot check is fantastic. It's always good not to close your eyes for ten years and wake up and go, oh, no.\n\nIt's wrong. Just try not to panic yourself too much because everyone that I've seen that checks it daily, anytime the news pops up, Trump's done this, Iran's done that. You go, oh, my super has gone down $3,000. What am I doing? And it's just it can be a bit of a panic.\n\nCool. So today, we'll just go through a bit of an update on how it's going if we need to make any updates and changes to your investments. I'm going to double check the estate side of things. And I don't believe you have any insurances whatsoever. So I No.\n\nThat is okay. So I'm just gonna briefly touch on it today, but let's go through some of these details. Do you mind if I just go through what we have on file? So we have the main goal for you is a nice and early retirement more towards age 60, which is when you can access your super, not pushing it out to age pension age of 67. Does that sound about right?\n\nPerfect. You did have some sort of short, medium, long term goals about building a family over time, just updating the super at that time and then the early retirement, bit of financial freedom there, and also purchasing property. Now I am looking at some older information, but has any of that changed goals wise? Oh, congratulations. Okay.\n\nSo just so I can cross reference everything, is that the address that we have on file and okay to just do security with you before? So it's not Olinga Street. Perfect. And that is not Dreamer Crescent or Littleford Circuit? Yep.\n\nPerfect. Did Caden get your new address? Okay. Could I grab that now, and I'll update that on all files? So we've got number and street, unit fourteen, fifty two Queen Street in Southport.\n\nOh, you're not far at all. Fantastic. Well, if you ever wanna pop by for review in office or anything like that, the team would love to get you a coffee and hang out for a little bit if you ever had the information to pop in. The new office is fantastic. We've got art pieces everywhere.\n\nEverything is in oak view, tree themed rooms, all that kind of thing. We got fancy coffee machines if you're that way inclined as well. So I'm gonna just quickly do a little look. Unit 14 at 52 Queen Street, Southport. Now do you know off the top of your head how much it was valued at and how much you have owing on that?\n\nFantastic. That's that's gonna be a fun one to knock down over time. Not the worst I've seen for first homes, but pretty good. Pretty good. The the oldproperty.com.au has it averaging at about 775,000.\n\nDoes that sound about right? Yep. Or it could be close to 800,000 kind of thing. So somewhere between $7.75, 800, do you think? Perfect.\n\nAlright. So we've got a significant change in terms of a mortgage now. So that's definitely a bit of a difference. Are you you're still working for Hilsey. Right?\n\nCool. So contributions are still coming in monthly there. That's great. They have just changed the legislation for that to come in with the pay. So if you're paid weekly, once we get to July, your contributions will be coming in weekly as well.\n\nSo it has purely a fantastic effect. Fantastic question too. The negative would be is if we were doing more transactions per month, you may get brokerage fees to purchase the investments that we've recommended for you because they're EPS. Now what tends to happen, though, is that they do, like, some rebalancing every month with Hub, but your contributions get to go in there weekly. So, basically, it does two things, investing quicker and investing longer, so more compounding returns.\n\nAnd, also, have you ever heard of dollar cost averaging before? Cool. So think of it like this. If you have a graph that's zigzagging up and down like the stock market does, if you put in one contribution for a year and the stock market tumbles, your super just tumbles with it. But if you put it in gradually weekly throughout the year, you get to smooth out that entry point.\n\nSo it smooths out the fluctuations. So if you ever told me I have $200,000 to invest, Tommy, I would probably spread it out over a period of time and not just whack it all into some shares on one day. Okay? So that is fantastic. With work, are you still a sales agent earning around about 52?\n\nI'm assuming they've bumped you up a bit. $9.09 8. I'm gonna put the exact in because that's brilliant. We don't often get the exact. So when I get one, I'll take it.\n\nLook. Good luck negotiating the $2 pay rise per year. I reckon I reckon you'd have all kinds of arguments for it. I reckon you'll get it. So rentals department, you guys obviously bounce between office and inspections through the Yep.\n\nDo you have a bit of a percentage split between how much you would be on the road versus in office? Yeah. Anywhere anywhere between 50 to a 100 for the week. You you'd be full time, of course, about thirty eight hours, usual thing. Beautiful.\n\nDo we have you did have you did have a diploma in fashion textiles and marketing. You've got your on top of that, you'd have your lighting license, I'm assuming. Yep. And do you have anything else like bachelor's degrees, anything like that, like postgraduate, anything to add on top? No.\n\nThat's perfect. Alright. So that's all updated. Do you have anything else in the way of assets and liabilities? Do you guys have significant savings there sitting in offset or a rainy day fund, or has that all kind of been depleted?\n\nYep. Hey. That's pretty good in this day and age. There's people running around paycheck to paycheck, so 10 grand's pretty good. We had a motor vehicle at about $20,000 where you were owing just under 10.\n\nDo you still have a vehicle loan? No. That's not the biggest thing for us. It's like, we're not gonna tell you to sell your car to put into your super or anything like that. It's just to get a good snapshot.\n\nSo same car, no debt. Beautiful. Anything else in terms of shares, crypto, million dollars under the mattress? Yep. It doesn't exist.\n\nMhmm. Okay. So what about loans and liabilities, personal loans, anything like that, or is it all just wrapped up in the mortgage now? Cool. So because we still have many, many years until retirement, you've got a nice big new mortgage, which is always nice to adjust to, interest rates going up and budgeting changes and things like that.\n\nDo you want to revisit personal investment at some point over the next three to five years to try and get something growing alongside it, whether that be property shares, managed funds? What are you thinking? Yep. Perfect. So one of the things that we do pretty heavily and because it's been a couple of years for you now in our financial services guide or Oakview services guide, we have this lovely little tree diagram called the wealth cycle, and it talks through it's an analogy talking about setting your roots and building a trunk and branching out and seedlings and all this kind of thing.\n\nWhat it really comes down to is moving through life stages. So we'd originally reviewed your super, getting that growing faster. Next stage after that, you've gotten the house. Then we can slowly branch into investment properties, debt management strategies to pay it off quicker, personal investments, all that kind of thing. So we slowly move through them.\n\nOnce you've got that, let's say you upgrade to the next home, rent out your current one, you then have two big assets, which you can start to use to invest from. Or if you prefer, you can invest with your own savings and cash flow rather than just borrowing all the time to get more investments and more assets. We can kind of guide you through either direction. It just depends on time frames. Do you wanna look at it once you've paid down the mortgage to a certain amount?\n\nDo you wanna look at it once you've built up, say, 50,000 in savings? When would be a good time to revisit it kind of thing? Amazing. So when it comes to cash flow, you've got this current position. How much can you set aside as surplus cash flow at the moment?\n\nYeah. Yeah. Yeah. Well, there's nothing bad about pulling cash into an offset account because, of course, it's liquid, and then you can pull it on to purchase a car. If something happens, you can then invest it later.\n\nSo piling cash in there is only ever beneficial. So when it comes to the landscape of investing, the the quick and dirty of it, I would say, is you've got a hub twenty four super fund. They're kind of like the Ferrari Rolls Royce of super platforms because they have the most investment options, but that makes them a little bit more expensive. So if you were to jump in and, for example, they do offer personal investment accounts alongside your super, you can actually have your super and an investment identical, mirroring each other side by side on the one login. That is something that we do a lot of where people will put in, for example, $50,000 into that, and we can invest it identically to the super and some really high growth assets, or we can make it conservative.\n\nWe can pick and choose and build the portfolio. We can make it safe. We can make it medium risk. We can make it high risk. The problem that you get is because it's a $180 flat fee per year plus percentage based fees is you don't wanna put in, for example, like, $10, and then it gets eaten away by fees and the returns don't take it anywhere.\n\nOnce you have the account open, you only really need to put in, say, 50 a week to dip your toe in the water and start that rolling because it's like $200 a month is kind of like a minimum investment amount. Now below that, you've obviously gotten crypto before. You can easily set up, for example, like a Comsec trading account or a Navtrade account. And if you wanted to buy some shares or ETFs or something like that, you could jump into that. And the only cost is the brokerage, which is, like, $18.50 or something like that.\n\nYes. So what I would be saying, I would not be giving you, like, a full advice piece on doing a little bit of investing in your brokerage account because any fees I would charge you wouldn't be any point if you can literally go on there and pick a Vanguard high growth fund or pick a few different investments and and let it go for a while. But if we do get to a point where we wanna use a platform, whether it's Hub twenty four or someone a bit more affordable because there's options everywhere, we can definitely look out, okay, do we start with $10.20, or 50? And, again, that 200 a month is kind of a a good starting point. Cool?\n\nWhen we get to that point, we'll also do a separate risk profile. So what we would kinda do is say your super is invested this way because it's for retirement. But if you're wanting to invest personally and you're gonna access it in three, five, ten years, whatever it is, we need to invest you slightly differently. So we would actually go through a whole questionnaire again and split the way we're investing into two different portfolios. Yep.\n\nAnd that's really because if you can't touch your super for thirty years, well, go for it. Go for growth. Go for as much as you want to try and build up to a million dollars. And then when you get close to retirement, you can then protect it. So you can build it for thirty years, and then when you're in your late fifties, you can slowly start making it safer.\n\nBecause, of course, you don't wanna be high risk at the age of 64, and then the stock market wipes out half of your super before you access it. Whereas completely different ballpark when it comes to personal, some people are investing. So when their kids are 18, they've got a house deposit. Some people wanna do it for an early retirement in their fifties. Other people just wanna grow it faster than the mortgage.\n\nK. Any sort of questions on that? Any thoughts or ideas? Cool. So that will be something where I'm gonna put that down as the goals for Yeah.\n\nThe mortgage, future investment, and every year, we're gonna slowly touch on it. And when it comes time to do it, we'll jump in together. Cool. Cool. Speaking about your hub portfolio while we're on the subject, I'll go through that report with you.\n\nDo you have open your hub twenty four performance report by any chance? So that email I sent you, I extracted one of those. Your login is different than an adviser's login, so you've got less reports to look at than we do. So that's why we always pop one of these out for you. Now can you see a nice big blue table with a smattering of figures and codes?\n\nOkay. So how you interpret this one, left hand side is all your investments, and the very, very far right is the percentage return of those investments. And the next page, it has a single line for your overall portfolio. So my figures will be slightly different to yours because I've just generated them before the call. On the left hand side, you've got your Bennelong Australian shares.\n\nThat one, can you see how it's in brackets on the right hand side? So the percent is in, like, a little bracket symbols. Yep. So that one's actually going down for the year. Now all the other ones I can see there underneath it, your bank hybrids, that's like your safe investments that aim for the three to 5%.\n\nThat's fine. Cybersecurity, funnily enough, went down a little bit even though it's such a big thing with AI these days. Everything else is looking really, really strong. Your Australian shares underneath that, 24%. You had a huge benefit from the electric vehicle search.\n\nYour battery tech and lithium, a 100 and 14%. So that's been massive. Your gold allocation went up almost 27%, and then your American shares another 17%, and property went up a little bit too. So overall, everything's had huge growth. After fees, 14.3 14.35 return as of today.\n\nWe're aiming for a long term average of double digits. So anything above 10, we're on track. Now with your risk level, because you're in that high growth, you have 90% in growth assets, shares, property, high risk, high return, and that's obviously for the high long term growth. When you get close to retirement, in that last seven to ten years, we will gradually reduce you down eighty, seventy, sixty, fifty, 40, and that's your pension account, your conservative pension account to live off. So as long as you're okay with it being that kind of roller coaster in between, value wise, I think you came on with about 44,000.\n\nYou're sitting at $73.04 50. Quick idea about volatility just so I can make sure you're comfortable. You went from 73 down to 68 and then back up to 73 all in the span of a month. So Yeah. So $5 up and down in a single month is very normal for high growth.\n\nWhat it basically comes out to be like is, let's say, your your contribution's at 70,000. You're getting around about 8,000 into your super. 10% return on a $70 balance is 7,000. So you're almost at a point where your returns are gonna be equaling your contributions. But once you go above that and you've got 200,000, 500,000, now we start getting returns of twenty, thirty, forty, fifty up and down in a single year.\n\nSo it takes a little while to get going, but once it does, the compounding just takes off. And then in those last fifteen years, you go from 400 to a million, and then you've got to try and protect it. Now everything that you've pretty much got is these low fee ETFs. So they follow those different sectors and countries and assets very closely, and they're very low fee, very good long term returns, but they just follow what's going on in the world. So you have to be comfortable with that dollar cost averaging I was talking about.\n\nYour contributions go in. They're buying very regularly. If the market dips, we just use it as a buying opportunity. So you're okay with that? Perfect.\n\nI think the only thing that I would do is that one Australian shares option that's in the negative. That actually shouldn't be in the negative. Most Australian share funds are positive two or 3%, not down nine. And the Australian been along at the top. Yeah.\n\nSo, normally, if you have one out of eight options underperforming, I would put a flag on it and say, let's watch it. But I'm quite familiar with this fund, and we've been talking as an entire company in a licensed group, and we don't think it's going to pop back. So just to optimize things, I know it's been returning well. I would like to get you a switch out of that one option and basically keep most of the rest of it the same. Cool.\n\nNow I do have one question for you because you get to pick style of investment. I've got many alternatives for you. If you had to pick between lowest fees or pay more and try and get a higher return, which way does your gut feeling lean towards? Yeah. Absolutely.\n\nAnd I don't have too much of a personal preference in it because I can pick the best low fee, the best high fee options available. We do have a couple on menu that we've been looking at. So if you're okay for that, I will do a little bit of research and a comparison and update your statement of advice document, and I'll run you through it before we change anything. Perfect. Alright.\n\nAny other questions on the super so far? Yeah. That's awesome. I mean, I think it came in it's rolled in in November '23. So, yeah, it's kind of coming close to that two and a half year mark.\n\nNow when it comes to the admin side, we don't have your beneficiary nomination on your hub account, so who it goes to if you were to pass away. Well, you generally, a valid nominee would be someone who's financially dependent. So spouse, child, someone who lives with you that you look after, not really brother, sister, grandparents, that kind of thing. Now can I just quickly check? And I do apologize.\n\nDid you say that you bought a house with somebody? I was I was just staring at your original fact find where you were single at the time, and I was like, hang on. I I swear are you guys engaged or married or de facto? He's slow. Look.\n\nI was seven years slow too, but they get there eventually. Hey. We've been together for twelve coming on 13. We've got our third child on the way in June, so I got there eventually. Thanks.\n\nPerfect. So I'll put him as de facto. Do you want him to be listed as your next of kin in place of Heidi, like emergency contact for us. Perfect. Can I please take down his full name and phone number by any chance?\n\nYep. Alright. Ruben Healy, e u b e n. Healy, h e a l y. And phone number.\n\nYep. Go for it. Zero four six seven three seven six 213. Perfect. Do you want Ruben nominated to receive your super if you pass away?\n\nDo you wanna kind of leave it with no nomination? What are you thinking? Well, let me ask you this. Do you have a will in place at the moment? No.\n\nSo most everything of yours will go to, like, public trustee. People will pop their hand up. I'm sister. I'm spouse, whatever it is. And the government will have to try and figure that out between the super, the house ownership.\n\nI guess the rule of survivorship probably go to your spouse house wise, so that's okay. But your shoes, your bank account, that kind of thing. Are you sure? You don't have to. Oh, cool.\n\nMake sure to tell him that you're thinking in that way, and then hopefully that urges him along a little bit quicker. So you do have we'll send out some forms. You do have to, like, wet sign them ink pen because it's a legal document, get them witnessed. We've got a lot lovely little instruction letter over the top so you can't miss it. You do get to choose between whether you want the nomination to lapse or be continuous.\n\nSo it can expire every three years, or it can just continue on until you change it. Do you have a preference between the two? Well, usually, I've got someone whose marriage is like, just put it continuous so I don't have to think about it. And other people, it's like, you know what? If I have to review it every three years, that's nice because my life's gonna change.\n\nReally no wrong answer there. Yep. Lapsing. And this is a bit of a silly question, but you do have the option to make it legally binding or nonlegally binding, which means the super fund has discretion. I don't know why anyone would choose nonbinding.\n\nI think some industry super funds have people nominating dogs and brothers, and anything can be a nonbinding nomination because it's like, hey. It may work. It may not. But generally speaking, legally binding is the way to go. Alright.\n\nI'll make a note for him. Do you want us to prefill any of his details on the form, or are you okay to fill that in? Cool. I'll send that through to you. Now when it comes to cash flow, the last question I did have for you on that before the last topic is contributions.\n\nDo you wanna look at any salary sacrifice because you did just get a big mortgage in October? So cash flow priorities between debt, savings, super, and investing, how would you rank those four? So in terms of putting extra contributions into your super, the old salary sacrifice tax deduction there, what I'm really thinking here is what are your cash flow priorities? Is it build up the savings, pay off the mortgage, do some personal investment, or is it bumping up your super? Cool.\n\nSavings and investing first. And, look, there's plenty of things you can do for super down the line. If you're earning decent amount and in high growth, it tends to take care of itself. If you need to do $50 of salary sacrifice in your late forties, that's possible. You can do transition strategies, heaps of things.\n\nSo I'll put your priorities down as savings and investing for the time being just so we're not constantly asking you, would you like to put extra money in your super, which if we've got some investing to do, no point walking away until 60. Cool. Alright. So savings investing is there. When it comes to your insurance situation, that one was a little bit tricky.\n\nI was just having a look at it there. Did you want me to get any kind of quotes for, like, life insurance to pay off the mortgage or something like that? So that's what I'm trying to kind of I'm just getting a bit of a mental picture here. So you're currently low oh, hang on. My brain's gone.\n\n$20.25, $19.95, 30. Sorry. Just turned 30. 30 is the sweet spot for pricing. That's not just me saying that because I don't like selling insurance.\n\nBut generally speaking, I did an analysis in 2014 when I entered the industry, and '29 and '30 is the cheapest year. For some reason, an 18 year old is more risky, and everyone after 30 has health problems. So so the logic makes sense, but it was interesting to find. Now because you're in real estate, pretty well office based, I think rental side of things isn't too much of a risk on the occupation ratings, so that's okay. Possibly just like white collar, which is nice and cheap.\n\nWe did have you listed down as a smoker, smoker or vapor or something like that. So that doubles the price, which is painful. If you're ever twelve months nicotine free, they'd class you as a nonsmoker, and that chops down quite a bit. You did have, just in terms of previous health concerns, medication for headaches back many years ago. Still doing that.\n\nYeah. Absolutely. Now is there any other like, is there an underlying condition there that's been diagnosed or anything like that? Yep. Awesome.\n\nSo when it comes to insurance side of things, I can get quotes. I can just keep it at that mortgage level for, say, life insurance disability cover. So you pass away, never work again, mortgage is paid off for your partner, future family, and so on. Is that something you want me to kind of do some research on and see what it looks like? Yes.\n\nSo let's say the prices are too expensive at the moment. We call you up in a year's time and we do a review, and you said, yep. After our conversation, I quit smoking straight away, then we can do some quotes as a nonsmoker's rates at the next review too. Perfect. What about I have to run through all four of them.\n\nI do apologize. Life and TPD, that's your life insurance disability. There is income protection as well, which is income replacement if you're out of work for more than, say, a month to replace 70% of your income so you can keep the mortgage going. Is that important for you guys too? I'm led by you on that one.\n\nYeah. It's one of those annoying ones where income protection is the most expensive but the most claimed on because everyone's got something that pops up whether off work for three months, six months, whatever it is. I tend to it's purely up to you, but I tend to have a bit of a flag point on pricing where if it goes above 30% of your contributions, it starts to really eat at your super and slow down the growth. So for example, I could basically say you're on $69.09 $9.08. 12% of that is 8,400, and 30% of that is 2,500.\n\nSo, potentially, if total premiums for three insurance policies under 2 grands, I would possibly recommend it. Thoughts on that? Yes. So let's say it was a 2,000 premium. You get, like, a 15% rebate off of that, drops it to about $18.50.\n\nYeah. Realistically, I I like to see people in our age group under 1,500 in total. If the smokers rates are gonna push you up closer to 2,000, potentially. If I do the quotes and it's 3,000, I'm not even gonna consider it. K?\n\nSo what I'll do is I'll put together that update for the investment switch, and then I'll get you some life TPD and income protection quotes as well. I'm gonna recommend all of it, and then you can just write into the document what you would like to go ahead with or not. Cool. You do get to choose between a waiting period and a benefit period. So thirty days is standard.\n\nYou're out of work for a month. You can go push it out to sixty days or ninety days to make it more affordable if you can last two months, three months on savings and partner's income. The other side is benefit period. They can pay you monthly for two years, five years, or age 65 all the way through to basically retirement. I can guarantee right now if I did thirty days age 65, which is the big one, with smokers' rates, we're we're talking 3 and a half thousand.\n\nSo do you have any idea about how long you could go without your income for? Yep. Okay. So what I will do is would you say it's more important to make sure that mortgage is covered off for, like, the life insurance disability, or is the income protection more important for you? I know.\n\nI'm so sorry to bombard you with all the tough questions. Okay. Perfect. So what I'm gonna do is I'm gonna start with the life and disability covering the mortgage. That'll be the baseline cover.\n\nThen I'm gonna try and work income protection on top. And if thirty days, age 65 pushes that to $4,000, I'm gonna start trimming it down. I will leave it as a maximum of sixty days, and I'll just work back the benefit period from a sixty five, five years, two years until I get to an affordable amount or chop it. Cool. Did you want any quotes for trauma insurance, which is heart attack, stroke, and cancer?\n\nYou can only pay for it out of pocket. K. So what I'll do, I'll do a standard 100,000 for, like, medical expenses. Your partner can take some time off if you ever have a heart attack or get cancer. And I just need from you maybe some affordability in terms of a monthly amount.\n\nWould 20 a month, $30.40 a month be the maximum, a 100 a month? Like, how important is that, that life event? More so dollars per month because I can kind of work out what the premium is gonna look like. I'm gonna find the most affordable provider. I'll do a comparison across all insurers, find the most affordable.\n\nBut how much can you actually afford to pay out of a direct debit potentially for that? And this is the fun thing is because you've got that $152,100 dollars a week of surplus cash flow, there's so many things it goes for. Savings, mortgage, investment, super insurances. You can spend your money on everything. It's about priorities.\n\nDid you want me to leave it for now? Just do a quote to see what it comes out like. Correct. Life keeping in income protection can be through your super. Trauma can only be out of pocket because it can't actually be released from super if you claim on it.\n\nYep. Perfect. So I'll just go live TPD income protection and and investment switch and some future investment discussions. Perfect. Now take a take a breath.\n\nThat's pretty much it. We've gone through everything it is possible to go through except self managed super funds, and I'm not talking about that tonight. That's for sure. Any questions so far on your end? Awesome, Emily.\n\nSo this will take me a couple of weeks to do some research, quotes, all that kind of thing. I don't wanna go through, like, a full medical questionnaire with you tonight because it could take us half an hour and don't wanna take up your whole night. Just for underwriting purposes, would it be okay for me to get the team to walk through some medical and occupation questions with you over the next fortnight? What we tend to do with it is anonymously preassess with insurers and say, hey. Based on the headaches, anxiety, and so on, is there gonna be a loading where they bump the price up?\n\nIs there gonna be an exclusion on a health condition? And we just try and make sure we pick the one that's gonna get you the best outcome. Perfect. Is there a good day or time I can book that in with you? Perfect.\n\nAnd you're in Queensland. Dang. That is the one time where we are shutting the office at 02:30 because we've got a whole bunch of millennials that do four day work weeks and 07:00 finishes so they can finish early on a Friday. Yeah. Perfect.\n\nLike, we've got everyone going till 07:00 most nights, so So there will always be someone that can touch base with you just for twenty minutes, run through the questions, and then we'll go off and do the research. Alright. 05:30 onwards any day. Awesome. Now is there any other last questions before I let you go?\n\nCool. That email, like I said, it does have your service agreement there too. Are you still comfortable for us to look after your super for the next twelve months? Cool. The fees haven't changed.\n\nThey're still 1.65%. That caps at 600,000, like I mentioned. So, again, may seem quite far away, but most people our age are gonna get to half 1,000,000, 1,000,000, 2,000,000, and so on. So there is a cap at that point just to make sure it's not going too high in those later retirement years. Cool.\n\nThat's through there. The Odoo sign document there, it's it's similar to DocuSign, but it's a little bit different. There's a button at the end to download a signed copy. So if you're comfortable with that, just hit that button. If you miss it and you want a copy of your signed documents, just let the team know, and we can email it through.\n\nAwesome, Ellie. Well, I've had a fantastic evening talking to you. Do you have any other questions for me before I let you go? That's alright. We'll catch you one evening for the research, and the team will book you in probably in two to three weeks' time to go through that updated portfolio and quotes.\n\nAwesome, Emily. Have a fantastic evening. Thank you so much for your time. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Emily.","start":1.76,"end":2.8,"sentiment":"neutral","sentiment_score":0.27350913484891254},{"text":"It's Tommy here, senior adviser from Oakview.","start":2.8,"end":4.7999997,"sentiment":"neutral","sentiment_score":0.2011507089648928},{"text":"How are you doing?","start":4.7999997,"end":5.62,"sentiment":"neutral","sentiment_score":0.1763470284640789},{"text":"I'm doing fantastic.","start":7.04,"end":8.26,"sentiment":"positive","sentiment_score":0.6822006106376648},{"text":"Thank you so much for calling in.","start":8.32,"end":9.599999,"sentiment":"positive","sentiment_score":0.6679737482752118}],"sentiment":"positive","sentiment_score":0.4023495229581992,"num_words":24,"start":1.76,"end":9.599999},{"sentences":[{"text":"I was just running back from the bathroom.","start":9.599999,"end":11.12,"sentiment":"neutral","sentiment_score":0.0018434529192745686},{"text":"I do apologize.","start":11.12,"end":11.94,"sentiment":"neutral","sentiment_score":-0.08319701006015141},{"text":"No.","start":17.375,"end":17.615,"sentiment":"neutral","sentiment_score":-0.07423920929431915},{"text":"No.","start":17.615,"end":17.855,"sentiment":"neutral","sentiment_score":-0.012637732550501823},{"text":"Perfectly fine.","start":17.855,"end":18.495,"sentiment":"neutral","sentiment_score":0.16162806749343872}],"sentiment":"neutral","sentiment_score":0.00010238575438658397,"num_words":15,"start":9.599999,"end":18.495},{"sentences":[{"text":"I'll normally do, like, a call, voice message, and a text.","start":18.495,"end":21.535,"sentiment":"neutral","sentiment_score":0.12766288288614966},{"text":"We can always catch each other, and I've locked out plenty of time as well.","start":21.535,"end":24.975,"sentiment":"neutral","sentiment_score":0.1404466504851977},{"text":"So glad to catch you just as you get home.","start":24.975,"end":27.154999,"sentiment":"positive","sentiment_score":0.4576367765665054},{"text":"What I'm gonna do today is I'm gonna shoot you through an annual review pack through our new system that we've just switched to over Christmas time.","start":28.47,"end":36.329998,"sentiment":"neutral","sentiment_score":0.0726063117660858},{"text":"It may come through to your spam box or your main inbox for the first one just to get through the filtering, if that's okay.","start":36.47,"end":42.809998,"sentiment":"neutral","sentiment_score":-0.017458589524030687}],"sentiment":"neutral","sentiment_score":0.10921891948038881,"num_words":88,"start":18.495,"end":42.809998},{"sentences":[{"text":"Now just to double check your Gmail address, Emilyjwalkedin@Gmail.com.","start":44.275,"end":48.995003,"sentiment":"neutral","sentiment_score":0.0725488956603739},{"text":"That's still okay?","start":48.995003,"end":50.055,"sentiment":"neutral","sentiment_score":0.0687774233520031},{"text":"Perfect.","start":51.635002,"end":52.115,"sentiment":"positive","sentiment_score":0.36784297227859497},{"text":"So I'll pop this through to you now.","start":52.115,"end":53.955,"sentiment":"neutral","sentiment_score":0.19765151850879192},{"text":"Will you be able to look on to this email with me today, or should I just explain what's there?","start":53.955,"end":58.455,"sentiment":"neutral","sentiment_score":0.0776635691523552}],"sentiment":"neutral","sentiment_score":0.10638045937549777,"num_words":41,"start":44.275,"end":58.455},{"sentences":[{"text":"Fantastic.","start":62.02,"end":62.52,"sentiment":"positive","sentiment_score":0.43528273701667786},{"text":"So it's gonna include some attachments like a normal PDF attachments for an email.","start":62.58,"end":66.9,"sentiment":"neutral","sentiment_score":0.1341007107070514},{"text":"It's gonna have your Hub twenty four performance, updated financial services guide with us, license details, complaints procedure, what we can and can't give advice on.","start":66.9,"end":77.345,"sentiment":"neutral","sentiment_score":0.061742626990263276},{"text":"I'm gonna shoot that through to you now.","start":77.345,"end":79.285,"sentiment":"neutral","sentiment_score":0.12673757877200842},{"text":"There will also be a link to your service agreement.","start":79.585,"end":82.725,"sentiment":"neutral","sentiment_score":0.08684714809060097}],"sentiment":"neutral","sentiment_score":0.09831140847024271,"num_words":59,"start":62.02,"end":82.725},{"sentences":[{"text":"So if after this review, you're still happy with our services, your service agreement does expire with us in four days.","start":82.865005,"end":89.11,"sentiment":"neutral","sentiment_score":0.10951320667351995},{"text":"So I just wanted to shoot that through as well.","start":89.11,"end":91.61,"sentiment":"neutral","sentiment_score":0.09614423438906669},{"text":"So that should come through.","start":93.03,"end":93.990005,"sentiment":"neutral","sentiment_score":0.1415889322757721},{"text":"It's usually pretty instant.","start":93.990005,"end":95.270004,"sentiment":"neutral","sentiment_score":0.1437493832781911},{"text":"I've only had two cases where it took a few minutes, so let me know if that pops through okay.","start":95.270004,"end":99.69,"sentiment":"neutral","sentiment_score":0.006676187925040722}],"sentiment":"neutral","sentiment_score":0.07796142728378376,"num_words":60,"start":82.865005,"end":99.69},{"sentences":[{"text":"Amazing.","start":100.805,"end":101.305,"sentiment":"positive","sentiment_score":0.6597051620483398},{"text":"Now before I jump into it, I do wanna double check some of your details as well just with the cross reference of the system because there was, like, three addresses I saw.","start":101.445,"end":109.925,"sentiment":"neutral","sentiment_score":0.14086890830235047},{"text":"I wanted to make sure that's all good.","start":109.925,"end":111.625,"sentiment":"positive","sentiment_score":0.3431920949369669},{"text":"Is there anything in particular you would like to get out of this year's review?","start":112.66,"end":115.88,"sentiment":"neutral","sentiment_score":0.1907930721839269},{"text":"That's nice.","start":130.815,"end":131.535,"sentiment":"neutral","sentiment_score":0.14810050278902054}],"sentiment":"neutral","sentiment_score":0.1900341183704845,"num_words":59,"start":100.805,"end":131.535},{"sentences":[{"text":"It almost sounds like you got a bit of peace of mind, perhaps.","start":131.535,"end":134.595,"sentiment":"neutral","sentiment_score":0.026040651763860997},{"text":"Yeah.","start":141.47,"end":141.95,"sentiment":"neutral","sentiment_score":0.2005537450313568},{"text":"Absolutely.","start":141.95,"end":142.45,"sentiment":"neutral","sentiment_score":0.2952008843421936},{"text":"So the the old spot check is fantastic.","start":142.67,"end":145.41,"sentiment":"positive","sentiment_score":0.437727689743042},{"text":"It's always good not to close your eyes for ten years and wake up and go, oh, no.","start":145.55,"end":148.75,"sentiment":"neutral","sentiment_score":0.15817841101023886}],"sentiment":"neutral","sentiment_score":0.17520282971786288,"num_words":41,"start":131.535,"end":148.75},{"sentences":[{"text":"It's wrong.","start":148.75,"end":149.41,"sentiment":"neutral","sentiment_score":0.11779214441776276},{"text":"Just try not to panic yourself too much because everyone that I've seen that checks it daily, anytime the news pops up, Trump's done this, Iran's done that.","start":150.335,"end":157.455,"sentiment":"neutral","sentiment_score":0.01277618931739458},{"text":"You go, oh, my super has gone down $3,000.","start":157.455,"end":159.455,"sentiment":"neutral","sentiment_score":-0.04089013362924258},{"text":"What am I doing?","start":159.455,"end":160.335,"sentiment":"neutral","sentiment_score":-0.03995044715702534},{"text":"And it's just it can be a bit of a panic.","start":160.335,"end":162.27,"sentiment":"neutral","sentiment_score":-0.1636459082365036}],"sentiment":"neutral","sentiment_score":-0.032122229484634265,"num_words":54,"start":148.75,"end":162.27},{"sentences":[{"text":"Cool.","start":166.19,"end":166.51001,"sentiment":"neutral","sentiment_score":0.2320328950881958},{"text":"So today, we'll just go through a bit of an update on how it's going if we need to make any updates and changes to your investments.","start":166.51001,"end":171.81,"sentiment":"neutral","sentiment_score":0.10044293519523409},{"text":"I'm going to double check the estate side of things.","start":173.07,"end":176.13,"sentiment":"neutral","sentiment_score":0.006013070372864604},{"text":"And I don't believe you have any insurances whatsoever.","start":176.335,"end":179.63501,"sentiment":"neutral","sentiment_score":-0.08903495967388153},{"text":"So I No.","start":180.175,"end":192.45,"sentiment":"neutral","sentiment_score":-0.10877654949824016}],"sentiment":"neutral","sentiment_score":0.03752957127057016,"num_words":50,"start":166.19,"end":192.45},{"sentences":[{"text":"That is okay.","start":192.59,"end":193.71,"sentiment":"neutral","sentiment_score":0.03262752294540405},{"text":"So I'm just gonna briefly touch on it today, but let's go through some of these details.","start":193.71,"end":197.65001,"sentiment":"neutral","sentiment_score":0.08014948425047538},{"text":"Do you mind if I just go through what we have on file?","start":198.03,"end":200.415,"sentiment":"neutral","sentiment_score":0.048955414444208145},{"text":"So we have the main goal for you is a nice and early retirement more towards age 60, which is when you can access your super, not pushing it out to age pension age of 67.","start":201.855,"end":211.61499,"sentiment":"neutral","sentiment_score":0.31231335550546646},{"text":"Does that sound about right?","start":211.61499,"end":212.82,"sentiment":"neutral","sentiment_score":0.15176763534545898}],"sentiment":"neutral","sentiment_score":0.19052652924044713,"num_words":74,"start":192.59,"end":212.82},{"sentences":[{"text":"Perfect.","start":214.18001,"end":214.68001,"sentiment":"positive","sentiment_score":0.623836874961853},{"text":"You did have some sort of short, medium, long term goals about building a family over time, just updating the super at that time and then the early retirement, bit of financial freedom there, and also purchasing property.","start":215.3,"end":228.36,"sentiment":"positive","sentiment_score":0.3400487323340617},{"text":"Now I am looking at some older information, but has any of that changed goals wise?","start":228.525,"end":233.985,"sentiment":"neutral","sentiment_score":0.05239068588707596},{"text":"Oh, congratulations.","start":239.965,"end":240.86499,"sentiment":"positive","sentiment_score":0.7207739949226379},{"text":"Okay.","start":242.92,"end":243.42,"sentiment":"neutral","sentiment_score":0.1689668595790863}],"sentiment":"neutral","sentiment_score":0.27576645736678923,"num_words":58,"start":214.18001,"end":243.42},{"sentences":[{"text":"So just so I can cross reference everything, is that the address that we have on file and okay to just do security with you before?","start":243.56,"end":253.5,"sentiment":"neutral","sentiment_score":0.04287924180523707},{"text":"So it's not Olinga Street.","start":256.535,"end":258.075,"sentiment":"neutral","sentiment_score":-0.02832740880548954},{"text":"Perfect.","start":271.90997,"end":272.31,"sentiment":"neutral","sentiment_score":0.07737762480974197},{"text":"And that is not Dreamer Crescent or Littleford Circuit?","start":272.31,"end":275.44998,"sentiment":"neutral","sentiment_score":-0.0034931575258572898},{"text":"Yep.","start":281.525,"end":282.025,"sentiment":"neutral","sentiment_score":0.02447274699807167}],"sentiment":"neutral","sentiment_score":0.024848457071043197,"num_words":42,"start":243.56,"end":282.025},{"sentences":[{"text":"Perfect.","start":283.925,"end":284.405,"sentiment":"neutral","sentiment_score":0.10304135084152222},{"text":"Did Caden get your new address?","start":284.405,"end":286.185,"sentiment":"neutral","sentiment_score":-0.009747618188460669},{"text":"Okay.","start":288.885,"end":289.285,"sentiment":"neutral","sentiment_score":-0.00020619668066501615},{"text":"Could I grab that now, and I'll update that on all files?","start":289.285,"end":292.505,"sentiment":"neutral","sentiment_score":0.013379010139033198},{"text":"So we've got number and street, unit fourteen, fifty two Queen Street in Southport.","start":292.565,"end":309.395,"sentiment":"neutral","sentiment_score":0.01580741156690887}],"sentiment":"neutral","sentiment_score":0.012535333195153405,"num_words":34,"start":283.925,"end":309.395},{"sentences":[{"text":"Oh, you're not far at all.","start":309.535,"end":310.915,"sentiment":"neutral","sentiment_score":0.010927402259161076},{"text":"Fantastic.","start":314.495,"end":314.995,"sentiment":"positive","sentiment_score":0.611437201499939},{"text":"Well, if you ever wanna pop by for review in office or anything like that, the team would love to get you a coffee and hang out for a little bit if you ever had the information to pop in.","start":315.135,"end":324.27002,"sentiment":"neutral","sentiment_score":0.2968935191631317},{"text":"The new office is fantastic.","start":326.33002,"end":327.71002,"sentiment":"positive","sentiment_score":0.7391677141189575},{"text":"We've got art pieces everywhere.","start":327.77002,"end":329.05002,"sentiment":"positive","sentiment_score":0.4906211018562317}],"sentiment":"neutral","sentiment_score":0.3280997624816863,"num_words":57,"start":309.535,"end":329.05002},{"sentences":[{"text":"Everything is in oak view, tree themed rooms, all that kind of thing.","start":329.05002,"end":332.75,"sentiment":"neutral","sentiment_score":0.29513058295616734},{"text":"We got fancy coffee machines if you're that way inclined as well.","start":334.96503,"end":338.345,"sentiment":"neutral","sentiment_score":0.2710437128941218},{"text":"So I'm gonna just quickly do a little look.","start":339.92502,"end":342.08502,"sentiment":"neutral","sentiment_score":0.07692426691452663},{"text":"Unit 14 at 52 Queen Street, Southport.","start":342.08502,"end":346.665,"sentiment":"neutral","sentiment_score":0.03203442320227623},{"text":"Now do you know off the top of your head how much it was valued at and how much you have owing on that?","start":347.34,"end":353.2,"sentiment":"neutral","sentiment_score":-0.009334505846103033}],"sentiment":"neutral","sentiment_score":0.11971928242307443,"num_words":65,"start":329.05002,"end":353.2},{"sentences":[{"text":"Fantastic.","start":373.77002,"end":374.27002,"sentiment":"positive","sentiment_score":0.3942282199859619},{"text":"That's that's gonna be a fun one to knock down over time.","start":374.97,"end":377.95,"sentiment":"neutral","sentiment_score":0.29427288596828777},{"text":"Not the worst I've seen for first homes, but pretty good.","start":378.89,"end":381.61002,"sentiment":"neutral","sentiment_score":0.005500202913853255},{"text":"Pretty good.","start":381.61002,"end":382.35,"sentiment":"neutral","sentiment_score":0.22389444708824158},{"text":"The the oldproperty.com.au has it averaging at about 775,000.","start":383.54498,"end":389.22498,"sentiment":"neutral","sentiment_score":-0.0006709016549090543}],"sentiment":"neutral","sentiment_score":0.1265073103697172,"num_words":35,"start":373.77002,"end":389.22498},{"sentences":[{"text":"Does that sound about right?","start":389.22498,"end":391.245,"sentiment":"neutral","sentiment_score":-0.0024557523429393764},{"text":"Yep.","start":399.16,"end":399.56,"sentiment":"neutral","sentiment_score":0.002547924872487783},{"text":"Or it could be close to 800,000 kind of thing.","start":399.56,"end":402.04,"sentiment":"neutral","sentiment_score":-0.014523705048486591},{"text":"So somewhere between $7.75, 800, do you think?","start":402.04,"end":405.82,"sentiment":"neutral","sentiment_score":-0.0071789639769122005},{"text":"Perfect.","start":409.735,"end":410.235,"sentiment":"neutral","sentiment_score":0.18072481453418732}],"sentiment":"neutral","sentiment_score":-0.0012669913843274116,"num_words":25,"start":389.22498,"end":410.235},{"sentences":[{"text":"Alright.","start":411.25497,"end":411.75497,"sentiment":"neutral","sentiment_score":0.06012382358312607},{"text":"So we've got a significant change in terms of a mortgage now.","start":411.815,"end":416.395,"sentiment":"neutral","sentiment_score":0.010836853956182798},{"text":"So that's definitely a bit of a difference.","start":416.455,"end":418.395,"sentiment":"neutral","sentiment_score":0.03281719237565994},{"text":"Are you you're still working for Hilsey.","start":418.935,"end":420.69498,"sentiment":"neutral","sentiment_score":-0.0036562496264066014},{"text":"Right?","start":420.69498,"end":421.17,"sentiment":"neutral","sentiment_score":0.020443201065063477}],"sentiment":"neutral","sentiment_score":0.015432864266993671,"num_words":29,"start":411.25497,"end":421.17},{"sentences":[{"text":"Cool.","start":422.53,"end":422.85,"sentiment":"neutral","sentiment_score":0.1463639736175537},{"text":"So contributions are still coming in monthly there.","start":422.85,"end":424.85,"sentiment":"neutral","sentiment_score":0.10669039282947779},{"text":"That's great.","start":424.85,"end":425.67,"sentiment":"positive","sentiment_score":0.4543752670288086},{"text":"They have just changed the legislation for that to come in with the pay.","start":426.13,"end":430.23,"sentiment":"neutral","sentiment_score":0.08708031901291438},{"text":"So if you're paid weekly, once we get to July, your contributions will be coming in weekly as well.","start":430.53,"end":436.725,"sentiment":"neutral","sentiment_score":0.09762325157460414}],"sentiment":"neutral","sentiment_score":0.1132409976456653,"num_words":44,"start":422.53,"end":436.725},{"sentences":[{"text":"So it has purely a fantastic effect.","start":448.725,"end":452.15,"sentiment":"positive","sentiment_score":0.5351913890668324},{"text":"Fantastic question too.","start":452.61002,"end":454.05,"sentiment":"positive","sentiment_score":0.44416894515355426},{"text":"The negative would be is if we were doing more transactions per month, you may get brokerage fees to purchase the investments that we've recommended for you because they're EPS.","start":454.05,"end":464.87,"sentiment":"neutral","sentiment_score":-0.019823413838942847},{"text":"Now what tends to happen, though, is that they do, like, some rebalancing every month with Hub, but your contributions get to go in there weekly.","start":466.915,"end":473.89502,"sentiment":"neutral","sentiment_score":0.035339292425375715},{"text":"So, basically, it does two things, investing quicker and investing longer, so more compounding returns.","start":474.11502,"end":480.135,"sentiment":"neutral","sentiment_score":0.08388088618715604}],"sentiment":"neutral","sentiment_score":0.08223677826700387,"num_words":81,"start":448.725,"end":480.135},{"sentences":[{"text":"And, also, have you ever heard of dollar cost averaging before?","start":480.38998,"end":483.53,"sentiment":"neutral","sentiment_score":0.010419043161990967},{"text":"Cool.","start":486.15,"end":486.31,"sentiment":"neutral","sentiment_score":-0.01138659566640854},{"text":"So think of it like this.","start":486.31,"end":487.43,"sentiment":"neutral","sentiment_score":-0.02049884603669246},{"text":"If you have a graph that's zigzagging up and down like the stock market does, if you put in one contribution for a year and the stock market tumbles, your super just tumbles with it.","start":487.43,"end":497.605,"sentiment":"neutral","sentiment_score":-0.08628720555986677},{"text":"But if you put it in gradually weekly throughout the year, you get to smooth out that entry point.","start":497.605,"end":503.125,"sentiment":"neutral","sentiment_score":0.06502846236291684}],"sentiment":"neutral","sentiment_score":-0.025059466761174716,"num_words":72,"start":480.38998,"end":503.125},{"sentences":[{"text":"So it smooths out the fluctuations.","start":503.125,"end":504.825,"sentiment":"neutral","sentiment_score":0.03211447053278486},{"text":"So if you ever told me I have $200,000 to invest, Tommy, I would probably spread it out over a period of time and not just whack it all into some shares on one day.","start":507.36502,"end":516.79,"sentiment":"neutral","sentiment_score":0.04185102133612548},{"text":"Okay?","start":519.08997,"end":519.58997,"sentiment":"neutral","sentiment_score":0.10988469421863556},{"text":"So that is fantastic.","start":519.89,"end":521.11,"sentiment":"positive","sentiment_score":0.4634334146976471},{"text":"With work, are you still a sales agent earning around about 52?","start":522.93,"end":526.645,"sentiment":"neutral","sentiment_score":0.08321483867863814}],"sentiment":"neutral","sentiment_score":0.07964946529506867,"num_words":58,"start":503.125,"end":526.645},{"sentences":[{"text":"I'm assuming they've bumped you up a bit.","start":526.645,"end":528.425,"sentiment":"neutral","sentiment_score":0.052422334207221866},{"text":"$9.09 8.","start":539.3,"end":540.1,"sentiment":"neutral","sentiment_score":0.021778035908937454},{"text":"I'm gonna put the exact in because that's brilliant.","start":540.1,"end":541.86,"sentiment":"neutral","sentiment_score":0.18097878081931007},{"text":"We don't often get the exact.","start":541.86,"end":543.14,"sentiment":"neutral","sentiment_score":-0.001618394965286522},{"text":"So when I get one, I'll take it.","start":543.14,"end":544.92,"sentiment":"neutral","sentiment_score":0.14029456581920385}],"sentiment":"neutral","sentiment_score":0.09710272513973794,"num_words":33,"start":526.645,"end":544.92},{"sentences":[{"text":"Look.","start":551.78503,"end":552.265,"sentiment":"neutral","sentiment_score":0.17213723063468933},{"text":"Good luck negotiating the $2 pay rise per year.","start":552.265,"end":554.905,"sentiment":"positive","sentiment_score":0.3562437891960144},{"text":"I reckon I reckon you'd have all kinds of arguments for it.","start":554.905,"end":558.66504,"sentiment":"neutral","sentiment_score":0.16934158156315485},{"text":"I reckon you'll get it.","start":558.66504,"end":559.965,"sentiment":"neutral","sentiment_score":0.16138311773538588},{"text":"So rentals department, you guys obviously bounce between office and inspections through the Yep.","start":561.56,"end":575.335,"sentiment":"neutral","sentiment_score":0.026725072280636857}],"sentiment":"neutral","sentiment_score":0.16076821738445177,"num_words":41,"start":551.78503,"end":575.335},{"sentences":[{"text":"Do you have a bit of a percentage split between how much you would be on the road versus in office?","start":575.335,"end":579.755,"sentiment":"neutral","sentiment_score":0.017500237251321476},{"text":"Yeah.","start":603.04504,"end":603.54504,"sentiment":"neutral","sentiment_score":0.041672997176647186},{"text":"Anywhere anywhere between 50 to a 100 for the week.","start":603.60504,"end":606.825,"sentiment":"neutral","sentiment_score":0.04575770422816276},{"text":"You you'd be full time, of course, about thirty eight hours, usual thing.","start":607.92505,"end":611.625,"sentiment":"neutral","sentiment_score":0.06746344841443576},{"text":"Beautiful.","start":612.95,"end":613.45,"sentiment":"positive","sentiment_score":0.4330591559410095}],"sentiment":"neutral","sentiment_score":0.04732258711010218,"num_words":46,"start":575.335,"end":613.45},{"sentences":[{"text":"Do we have you did have you did have a diploma in fashion textiles and marketing.","start":615.11,"end":621.76996,"sentiment":"neutral","sentiment_score":0.08531911135651171},{"text":"You've got your on top of that, you'd have your lighting license, I'm assuming.","start":623.75,"end":627.13,"sentiment":"neutral","sentiment_score":0.10098198003002576},{"text":"Yep.","start":630.775,"end":631.09503,"sentiment":"neutral","sentiment_score":0.08085986226797104},{"text":"And do you have anything else like bachelor's degrees, anything like that, like postgraduate, anything to add on top?","start":631.09503,"end":637.675,"sentiment":"neutral","sentiment_score":0.022766104507211008},{"text":"No.","start":639.575,"end":639.815,"sentiment":"neutral","sentiment_score":0.006268061697483063}],"sentiment":"neutral","sentiment_score":0.06467720415151003,"num_words":51,"start":615.11,"end":639.815},{"sentences":[{"text":"That's perfect.","start":639.815,"end":640.635,"sentiment":"neutral","sentiment_score":0.2814698964357376},{"text":"Alright.","start":642.12994,"end":642.44995,"sentiment":"neutral","sentiment_score":0.18424391746520996},{"text":"So that's all updated.","start":642.44995,"end":643.82996,"sentiment":"neutral","sentiment_score":0.1588767245411873},{"text":"Do you have anything else in the way of assets and liabilities?","start":644.05,"end":647.82996,"sentiment":"neutral","sentiment_score":0.055438404281934105},{"text":"Do you guys have significant savings there sitting in offset or a rainy day fund, or has that all kind of been depleted?","start":647.97,"end":654.38995,"sentiment":"neutral","sentiment_score":-0.016674331834782726}],"sentiment":"neutral","sentiment_score":0.03962956732582478,"num_words":42,"start":639.815,"end":654.38995},{"sentences":[{"text":"Yep.","start":666.465,"end":666.93,"sentiment":"neutral","sentiment_score":0.10375326126813889},{"text":"Hey.","start":670.85,"end":671.01,"sentiment":"neutral","sentiment_score":0.023816725239157677},{"text":"That's pretty good in this day and age.","start":671.01,"end":672.85,"sentiment":"positive","sentiment_score":0.6098821293562651},{"text":"There's people running around paycheck to paycheck, so 10 grand's pretty good.","start":672.85,"end":677.11,"sentiment":"positive","sentiment_score":0.3917012959718704},{"text":"We had a motor vehicle at about $20,000 where you were owing just under 10.","start":679.185,"end":683.34503,"sentiment":"neutral","sentiment_score":0.0313241030399998}],"sentiment":"neutral","sentiment_score":0.2750514626654016,"num_words":37,"start":666.465,"end":683.34503},{"sentences":[{"text":"Do you still have a vehicle loan?","start":683.34503,"end":684.885,"sentiment":"neutral","sentiment_score":0.0011674631386995316},{"text":"No.","start":692.56,"end":692.72003,"sentiment":"neutral","sentiment_score":-0.16029438376426697},{"text":"That's not the biggest thing for us.","start":692.72003,"end":694.32,"sentiment":"neutral","sentiment_score":-0.1505894416144916},{"text":"It's like, we're not gonna tell you to sell your car to put into your super or anything like that.","start":694.32,"end":698.32,"sentiment":"neutral","sentiment_score":-0.212992113083601},{"text":"It's just to get a good snapshot.","start":698.32,"end":700.42004,"sentiment":"neutral","sentiment_score":-0.10902808234095573}],"sentiment":"neutral","sentiment_score":-0.1483163588369886,"num_words":42,"start":683.34503,"end":700.42004},{"sentences":[{"text":"So same car, no debt.","start":700.72003,"end":704.74005,"sentiment":"neutral","sentiment_score":-0.034335698932409286},{"text":"Beautiful.","start":705.895,"end":706.395,"sentiment":"positive","sentiment_score":0.4066382646560669},{"text":"Anything else in terms of shares, crypto, million dollars under the mattress?","start":707.335,"end":711.835,"sentiment":"neutral","sentiment_score":0.08548545961578687},{"text":"Yep.","start":720.63,"end":721.13,"sentiment":"neutral","sentiment_score":-0.10215355455875395},{"text":"It doesn't exist.","start":721.99,"end":723.13,"sentiment":"neutral","sentiment_score":-0.20499191184838614}],"sentiment":"neutral","sentiment_score":0.02471163614907048,"num_words":22,"start":700.72003,"end":723.13},{"sentences":[{"text":"Mhmm.","start":728.63,"end":729.045,"sentiment":"neutral","sentiment_score":-0.11308614909648897},{"text":"Okay.","start":731.685,"end":732.185,"sentiment":"neutral","sentiment_score":-0.023792888969182968},{"text":"So what about loans and liabilities, personal loans, anything like that, or is it all just wrapped up in the mortgage now?","start":732.325,"end":739.70496,"sentiment":"neutral","sentiment_score":-0.0501583166081797},{"text":"Cool.","start":742.26,"end":742.58,"sentiment":"neutral","sentiment_score":0.12275531888008118},{"text":"So because we still have many, many years until retirement, you've got a nice big new mortgage, which is always nice to adjust to, interest rates going up and budgeting changes and things like that.","start":742.58,"end":754.1,"sentiment":"neutral","sentiment_score":0.150816234094756}],"sentiment":"neutral","sentiment_score":0.06934935847918193,"num_words":60,"start":728.63,"end":754.1},{"sentences":[{"text":"Do you want to revisit personal investment at some point over the next three to five years to try and get something growing alongside it, whether that be property shares, managed funds?","start":754.1,"end":763.58496,"sentiment":"neutral","sentiment_score":0.048369602649472654},{"text":"What are you thinking?","start":763.58496,"end":764.485,"sentiment":"neutral","sentiment_score":0.02873994503170252},{"text":"Yep.","start":776.08,"end":776.58,"sentiment":"neutral","sentiment_score":0.042037807404994965},{"text":"Perfect.","start":790.015,"end":790.515,"sentiment":"positive","sentiment_score":0.7296997308731079},{"text":"So one of the things that we do pretty heavily and because it's been a couple of years for you now in our financial services guide or Oakview services guide, we have this lovely little tree diagram called the wealth cycle, and it talks through it's an analogy talking about setting your roots and building a trunk and branching out and seedlings and all this kind of thing.","start":790.575,"end":811.135,"sentiment":"neutral","sentiment_score":0.22099118822199457}],"sentiment":"neutral","sentiment_score":0.1647351453045629,"num_words":106,"start":754.1,"end":811.135},{"sentences":[{"text":"What it really comes down to is moving through life stages.","start":811.135,"end":814.51495,"sentiment":"neutral","sentiment_score":0.08975604515184056},{"text":"So we'd originally reviewed your super, getting that growing faster.","start":815.055,"end":818.755,"sentiment":"neutral","sentiment_score":0.19009125083684922},{"text":"Next stage after that, you've gotten the house.","start":819.295,"end":821.475,"sentiment":"neutral","sentiment_score":0.09273839741945267},{"text":"Then we can slowly branch into investment properties, debt management strategies to pay it off quicker, personal investments, all that kind of thing.","start":822.48004,"end":831.12,"sentiment":"neutral","sentiment_score":0.08908160289992458},{"text":"So we slowly move through them.","start":831.12,"end":833.14,"sentiment":"neutral","sentiment_score":0.12145532419284184}],"sentiment":"neutral","sentiment_score":0.11047836200430475,"num_words":58,"start":811.135,"end":833.14},{"sentences":[{"text":"Once you've got that, let's say you upgrade to the next home, rent out your current one, you then have two big assets, which you can start to use to invest from.","start":833.2,"end":844.165,"sentiment":"neutral","sentiment_score":0.1203212714754045},{"text":"Or if you prefer, you can invest with your own savings and cash flow rather than just borrowing all the time to get more investments and more assets.","start":844.385,"end":852.82,"sentiment":"neutral","sentiment_score":0.09146139863878489},{"text":"We can kind of guide you through either direction.","start":853.27997,"end":855.7,"sentiment":"neutral","sentiment_score":0.19256411327256096},{"text":"It just depends on time frames.","start":856.0,"end":858.0,"sentiment":"neutral","sentiment_score":0.13921557242671648},{"text":"Do you wanna look at it once you've paid down the mortgage to a certain amount?","start":858.0,"end":861.68,"sentiment":"neutral","sentiment_score":0.07950431201606989}],"sentiment":"neutral","sentiment_score":0.11265537687219106,"num_words":91,"start":833.2,"end":861.68},{"sentences":[{"text":"Do you wanna look at it once you've built up, say, 50,000 in savings?","start":861.68,"end":865.07495,"sentiment":"neutral","sentiment_score":0.0973303783684969},{"text":"When would be a good time to revisit it kind of thing?","start":865.695,"end":868.51495,"sentiment":"neutral","sentiment_score":0.09969980952640374},{"text":"Amazing.","start":882.11,"end":882.61,"sentiment":"positive","sentiment_score":0.5792592167854309},{"text":"So when it comes to cash flow, you've got this current position.","start":882.75,"end":887.49,"sentiment":"neutral","sentiment_score":0.29083186636368435},{"text":"How much can you set aside as surplus cash flow at the moment?","start":887.87,"end":891.70496,"sentiment":"neutral","sentiment_score":0.13769083183545333}],"sentiment":"neutral","sentiment_score":0.16188933535550648,"num_words":52,"start":861.68,"end":891.70496},{"sentences":[{"text":"Yeah.","start":927.97003,"end":928.47003,"sentiment":"neutral","sentiment_score":-0.03718124330043793},{"text":"Yeah.","start":950.72,"end":951.22,"sentiment":"neutral","sentiment_score":-0.037317220121622086},{"text":"Yeah.","start":964.895,"end":965.215,"sentiment":"neutral","sentiment_score":0.024490606039762497},{"text":"Well, there's nothing bad about pulling cash into an offset account because, of course, it's liquid, and then you can pull it on to purchase a car.","start":965.215,"end":973.615,"sentiment":"neutral","sentiment_score":0.145103191335996},{"text":"If something happens, you can then invest it later.","start":973.615,"end":976.38,"sentiment":"neutral","sentiment_score":0.18313772893614239}],"sentiment":"neutral","sentiment_score":0.14143635561833015,"num_words":39,"start":927.97003,"end":976.38},{"sentences":[{"text":"So piling cash in there is only ever beneficial.","start":976.38,"end":979.44,"sentiment":"neutral","sentiment_score":0.1947918931643168},{"text":"So when it comes to the landscape of investing, the the quick and dirty of it, I would say, is you've got a hub twenty four super fund.","start":981.82,"end":990.135,"sentiment":"neutral","sentiment_score":0.0528400701337627},{"text":"They're kind of like the Ferrari Rolls Royce of super platforms because they have the most investment options, but that makes them a little bit more expensive.","start":991.335,"end":1000.155,"sentiment":"neutral","sentiment_score":-0.047994215282853005},{"text":"So if you were to jump in and, for example, they do offer personal investment accounts alongside your super, you can actually have your super and an investment identical, mirroring each other side by side on the one login.","start":1001.575,"end":1013.49,"sentiment":"neutral","sentiment_score":0.11379248199936672},{"text":"That is something that we do a lot of where people will put in, for example, $50,000 into that, and we can invest it identically to the super and some really high growth assets, or we can make it conservative.","start":1013.87,"end":1026.225,"sentiment":"neutral","sentiment_score":0.2123660271987319}],"sentiment":"neutral","sentiment_score":0.10398149003854373,"num_words":143,"start":976.38,"end":1026.225},{"sentences":[{"text":"We can pick and choose and build the portfolio.","start":1026.525,"end":1029.025,"sentiment":"positive","sentiment_score":0.39812801281611127},{"text":"We can make it safe.","start":1029.085,"end":1029.965,"sentiment":"positive","sentiment_score":0.35204731822013857},{"text":"We can make it medium risk.","start":1029.965,"end":1031.085,"sentiment":"neutral","sentiment_score":0.264149509370327},{"text":"We can make it high risk.","start":1031.085,"end":1032.465,"sentiment":"neutral","sentiment_score":0.19145834942658743},{"text":"The problem that you get is because it's a $180 flat fee per year plus percentage based fees is you don't wanna put in, for example, like, $10, and then it gets eaten away by fees and the returns don't take it anywhere.","start":1034.0,"end":1047.0599,"sentiment":"neutral","sentiment_score":-0.3214815993641698}],"sentiment":"neutral","sentiment_score":-0.08328511468742204,"num_words":69,"start":1026.525,"end":1047.0599},{"sentences":[{"text":"Once you have the account open, you only really need to put in, say, 50 a week to dip your toe in the water and start that rolling because it's like $200 a month is kind of like a minimum investment amount.","start":1048.655,"end":1060.035,"sentiment":"neutral","sentiment_score":0.22485088166736422},{"text":"Now below that, you've obviously gotten crypto before.","start":1062.29,"end":1065.91,"sentiment":"neutral","sentiment_score":0.19129939191043377},{"text":"You can easily set up, for example, like a Comsec trading account or a Navtrade account.","start":1066.2101,"end":1071.25,"sentiment":"neutral","sentiment_score":0.24207367096096277},{"text":"And if you wanted to buy some shares or ETFs or something like that, you could jump into that.","start":1071.25,"end":1076.5851,"sentiment":"neutral","sentiment_score":0.21164101048519737},{"text":"And the only cost is the brokerage, which is, like, $18.50 or something like that.","start":1076.5851,"end":1082.285,"sentiment":"neutral","sentiment_score":0.026415268952647845}],"sentiment":"neutral","sentiment_score":0.1926471913419664,"num_words":100,"start":1048.655,"end":1082.285},{"sentences":[{"text":"Yes.","start":1091.16,"end":1091.66,"sentiment":"neutral","sentiment_score":0.07552405446767807},{"text":"So what I would be saying, I would not be giving you, like, a full advice piece on doing a little bit of investing in your brokerage account because any fees I would charge you wouldn't be any point if you can literally go on there and pick a Vanguard high growth fund or pick a few different investments and and let it go for a while.","start":1091.9601,"end":1111.65,"sentiment":"neutral","sentiment_score":0.0028273393191508393},{"text":"But if we do get to a point where we wanna use a platform, whether it's Hub twenty four or someone a bit more affordable because there's options everywhere, we can definitely look out, okay, do we start with $10.20, or 50?","start":1112.61,"end":1124.31,"sentiment":"neutral","sentiment_score":0.2952861459482284},{"text":"And, again, that 200 a month is kind of a a good starting point.","start":1124.705,"end":1128.5651,"sentiment":"positive","sentiment_score":0.43836686440876554},{"text":"Cool?","start":1131.025,"end":1131.525,"sentiment":"positive","sentiment_score":0.576309084892273}],"sentiment":"neutral","sentiment_score":0.15504335284233092,"num_words":125,"start":1091.16,"end":1131.525},{"sentences":[{"text":"When we get to that point, we'll also do a separate risk profile.","start":1133.025,"end":1137.4451,"sentiment":"neutral","sentiment_score":0.04680716303678659},{"text":"So what we would kinda do is say your super is invested this way because it's for retirement.","start":1138.02,"end":1143.0,"sentiment":"neutral","sentiment_score":0.043669607386820845},{"text":"But if you're wanting to invest personally and you're gonna access it in three, five, ten years, whatever it is, we need to invest you slightly differently.","start":1143.22,"end":1151.9601,"sentiment":"neutral","sentiment_score":0.01537715326304789},{"text":"So we would actually go through a whole questionnaire again and split the way we're investing into two different portfolios.","start":1153.385,"end":1159.565,"sentiment":"neutral","sentiment_score":0.01705751712433994},{"text":"Yep.","start":1168.84,"end":1169.16,"sentiment":"neutral","sentiment_score":0.09413976967334747}],"sentiment":"neutral","sentiment_score":0.02841796585700557,"num_words":79,"start":1133.025,"end":1169.16},{"sentences":[{"text":"And that's really because if you can't touch your super for thirty years, well, go for it.","start":1169.16,"end":1174.04,"sentiment":"neutral","sentiment_score":0.05966397692613742},{"text":"Go for growth.","start":1174.04,"end":1174.84,"sentiment":"neutral","sentiment_score":0.1025313710172971},{"text":"Go for as much as you want to try and build up to a million dollars.","start":1174.84,"end":1177.64,"sentiment":"neutral","sentiment_score":0.1097282855771482},{"text":"And then when you get close to retirement, you can then protect it.","start":1177.64,"end":1181.225,"sentiment":"neutral","sentiment_score":0.07856346982029769},{"text":"So you can build it for thirty years, and then when you're in your late fifties, you can slowly start making it safer.","start":1181.4451,"end":1186.585,"sentiment":"neutral","sentiment_score":0.14698165979074396}],"sentiment":"neutral","sentiment_score":0.10388107740113305,"num_words":72,"start":1169.16,"end":1186.585},{"sentences":[{"text":"Because, of course, you don't wanna be high risk at the age of 64, and then the stock market wipes out half of your super before you access it.","start":1186.645,"end":1193.73,"sentiment":"neutral","sentiment_score":-0.032221279749325635},{"text":"Whereas completely different ballpark when it comes to personal, some people are investing.","start":1195.89,"end":1200.79,"sentiment":"neutral","sentiment_score":0.0027631216037731906},{"text":"So when their kids are 18, they've got a house deposit.","start":1200.9299,"end":1203.75,"sentiment":"neutral","sentiment_score":0.012777106243778358},{"text":"Some people wanna do it for an early retirement in their fifties.","start":1203.97,"end":1206.95,"sentiment":"neutral","sentiment_score":0.014774384132275978},{"text":"Other people just wanna grow it faster than the mortgage.","start":1207.425,"end":1210.005,"sentiment":"neutral","sentiment_score":0.02980828508734703}],"sentiment":"neutral","sentiment_score":-0.003767638703187307,"num_words":75,"start":1186.645,"end":1210.005},{"sentences":[{"text":"K.","start":1212.0651,"end":1212.4651,"sentiment":"neutral","sentiment_score":0.03657908737659454},{"text":"Any sort of questions on that?","start":1212.4651,"end":1213.9851,"sentiment":"neutral","sentiment_score":0.045010341331362724},{"text":"Any thoughts or ideas?","start":1213.9851,"end":1215.2051,"sentiment":"neutral","sentiment_score":0.03918260708451271},{"text":"Cool.","start":1218.7051,"end":1219.1051,"sentiment":"neutral","sentiment_score":0.27834564447402954},{"text":"So that will be something where I'm gonna put that down as the goals for Yeah.","start":1219.1051,"end":1223.11,"sentiment":"neutral","sentiment_score":0.19861914310604334}],"sentiment":"neutral","sentiment_score":0.13998655349548375,"num_words":28,"start":1212.0651,"end":1223.11},{"sentences":[{"text":"The mortgage, future investment, and every year, we're gonna slowly touch on it.","start":1223.19,"end":1227.35,"sentiment":"neutral","sentiment_score":0.26882795989513397},{"text":"And when it comes time to do it, we'll jump in together.","start":1227.35,"end":1230.33,"sentiment":"neutral","sentiment_score":0.21148510898152986},{"text":"Cool.","start":1233.59,"end":1233.83,"sentiment":"positive","sentiment_score":0.500848650932312},{"text":"Cool.","start":1233.83,"end":1234.245,"sentiment":"neutral","sentiment_score":0.1587044894695282},{"text":"Speaking about your hub portfolio while we're on the subject, I'll go through that report with you.","start":1234.725,"end":1240.645,"sentiment":"neutral","sentiment_score":0.03697402095969986}],"sentiment":"neutral","sentiment_score":0.16637946098026904,"num_words":44,"start":1223.19,"end":1240.645},{"sentences":[{"text":"Do you have open your hub twenty four performance report by any chance?","start":1240.645,"end":1244.425,"sentiment":"neutral","sentiment_score":0.023679192249591533},{"text":"So that email I sent you, I extracted one of those.","start":1251.86,"end":1254.76,"sentiment":"neutral","sentiment_score":-0.007433502934873104},{"text":"Your login is different than an adviser's login, so you've got less reports to look at than we do.","start":1255.3,"end":1262.455,"sentiment":"neutral","sentiment_score":-0.022058084656141307},{"text":"So that's why we always pop one of these out for you.","start":1262.455,"end":1265.275,"sentiment":"neutral","sentiment_score":0.04008042827869455},{"text":"Now can you see a nice big blue table with a smattering of figures and codes?","start":1268.215,"end":1272.315,"sentiment":"neutral","sentiment_score":0.11912806844338775}],"sentiment":"neutral","sentiment_score":0.03090100835116816,"num_words":71,"start":1240.645,"end":1272.315},{"sentences":[{"text":"Okay.","start":1273.43,"end":1273.91,"sentiment":"neutral","sentiment_score":0.05676332488656044},{"text":"So how you interpret this one, left hand side is all your investments, and the very, very far right is the percentage return of those investments.","start":1273.91,"end":1281.93,"sentiment":"neutral","sentiment_score":0.06213246902021078},{"text":"And the next page, it has a single line for your overall portfolio.","start":1282.39,"end":1286.97,"sentiment":"neutral","sentiment_score":0.06502281759793942},{"text":"So my figures will be slightly different to yours because I've just generated them before the call.","start":1288.865,"end":1293.605,"sentiment":"neutral","sentiment_score":0.012503907084465027},{"text":"On the left hand side, you've got your Bennelong Australian shares.","start":1294.465,"end":1298.405,"sentiment":"neutral","sentiment_score":0.03581012023443526}],"sentiment":"neutral","sentiment_score":0.04594091016470509,"num_words":68,"start":1273.43,"end":1298.405},{"sentences":[{"text":"That one, can you see how it's in brackets on the right hand side?","start":1298.705,"end":1302.1,"sentiment":"neutral","sentiment_score":0.03235247332070555},{"text":"So the percent is in, like, a little bracket symbols.","start":1305.12,"end":1307.62,"sentiment":"neutral","sentiment_score":0.01825157329440117},{"text":"Yep.","start":1309.36,"end":1309.52,"sentiment":"neutral","sentiment_score":0.06395508348941803},{"text":"So that one's actually going down for the year.","start":1309.52,"end":1312.245,"sentiment":"neutral","sentiment_score":0.004876883855710427},{"text":"Now all the other ones I can see there underneath it, your bank hybrids, that's like your safe investments that aim for the three to 5%.","start":1313.765,"end":1320.885,"sentiment":"neutral","sentiment_score":0.11241168127610134}],"sentiment":"neutral","sentiment_score":0.061100018513388935,"num_words":60,"start":1298.705,"end":1320.885},{"sentences":[{"text":"That's fine.","start":1320.885,"end":1321.705,"sentiment":"neutral","sentiment_score":0.10681795701384544},{"text":"Cybersecurity, funnily enough, went down a little bit even though it's such a big thing with AI these days.","start":1321.925,"end":1327.625,"sentiment":"neutral","sentiment_score":-0.05063380053462951},{"text":"Everything else is looking really, really strong.","start":1328.6901,"end":1330.77,"sentiment":"positive","sentiment_score":0.3339305136884962},{"text":"Your Australian shares underneath that, 24%.","start":1330.77,"end":1333.91,"sentiment":"neutral","sentiment_score":0.20169244209925333},{"text":"You had a huge benefit from the electric vehicle search.","start":1335.17,"end":1338.87,"sentiment":"positive","sentiment_score":0.5307277053594589}],"sentiment":"neutral","sentiment_score":0.18423952286089348,"num_words":44,"start":1320.885,"end":1338.87},{"sentences":[{"text":"Your battery tech and lithium, a 100 and 14%.","start":1339.41,"end":1343.675,"sentiment":"neutral","sentiment_score":0.10860920656058523},{"text":"So that's been massive.","start":1345.895,"end":1348.155,"sentiment":"neutral","sentiment_score":0.30782657861709595},{"text":"Your gold allocation went up almost 27%, and then your American shares another 17%, and property went up a little bit too.","start":1348.375,"end":1358.38,"sentiment":"neutral","sentiment_score":0.1884680288759145},{"text":"So overall, everything's had huge growth.","start":1359.48,"end":1361.98,"sentiment":"positive","sentiment_score":0.6357267300287882},{"text":"After fees, 14.3 14.35 return as of today.","start":1362.76,"end":1368.22,"sentiment":"neutral","sentiment_score":0.31746257096529007}],"sentiment":"neutral","sentiment_score":0.25937034197303716,"num_words":49,"start":1339.41,"end":1368.22},{"sentences":[{"text":"We're aiming for a long term average of double digits.","start":1369.225,"end":1371.945,"sentiment":"positive","sentiment_score":0.44794688522815707},{"text":"So anything above 10, we're on track.","start":1371.945,"end":1374.445,"sentiment":"positive","sentiment_score":0.4635665842464992},{"text":"Now with your risk level, because you're in that high growth, you have 90% in growth assets, shares, property, high risk, high return, and that's obviously for the high long term growth.","start":1376.1849,"end":1388.8401,"sentiment":"neutral","sentiment_score":0.24963962705805898},{"text":"When you get close to retirement, in that last seven to ten years, we will gradually reduce you down eighty, seventy, sixty, fifty, 40, and that's your pension account, your conservative pension account to live off.","start":1389.14,"end":1402.385,"sentiment":"neutral","sentiment_score":0.01344563969824877},{"text":"So as long as you're okay with it being that kind of roller coaster in between, value wise, I think you came on with about 44,000.","start":1403.645,"end":1412.785,"sentiment":"neutral","sentiment_score":0.12244634029383843}],"sentiment":"neutral","sentiment_score":0.17459955751929465,"num_words":111,"start":1369.225,"end":1412.785},{"sentences":[{"text":"You're sitting at $73.04 50.","start":1413.06,"end":1415.3201,"sentiment":"neutral","sentiment_score":0.08359131962060928},{"text":"Quick idea about volatility just so I can make sure you're comfortable.","start":1417.14,"end":1420.6001,"sentiment":"neutral","sentiment_score":0.06615318326900403},{"text":"You went from 73 down to 68 and then back up to 73 all in the span of a month.","start":1421.06,"end":1429.515,"sentiment":"neutral","sentiment_score":0.007121912203729153},{"text":"So Yeah.","start":1430.695,"end":1433.415,"sentiment":"neutral","sentiment_score":-0.00982467457652092},{"text":"So $5 up and down in a single month is very normal for high growth.","start":1433.415,"end":1437.835,"sentiment":"neutral","sentiment_score":-0.03462834904591242}],"sentiment":"neutral","sentiment_score":0.015095526973406473,"num_words":54,"start":1413.06,"end":1437.835},{"sentences":[{"text":"What it basically comes out to be like is, let's say, your your contribution's at 70,000.","start":1438.17,"end":1444.1901,"sentiment":"neutral","sentiment_score":0.042304941453039646},{"text":"You're getting around about 8,000 into your super.","start":1444.65,"end":1447.31,"sentiment":"neutral","sentiment_score":0.07021226407960057},{"text":"10% return on a $70 balance is 7,000.","start":1448.89,"end":1452.535,"sentiment":"neutral","sentiment_score":0.05769581627100706},{"text":"So you're almost at a point where your returns are gonna be equaling your contributions.","start":1452.675,"end":1457.5751,"sentiment":"neutral","sentiment_score":0.08676863213380177},{"text":"But once you go above that and you've got 200,000, 500,000, now we start getting returns of twenty, thirty, forty, fifty up and down in a single year.","start":1459.3151,"end":1468.9501,"sentiment":"neutral","sentiment_score":0.03989602505628552}],"sentiment":"neutral","sentiment_score":0.054916825195153555,"num_words":75,"start":1438.17,"end":1468.9501},{"sentences":[{"text":"So it takes a little while to get going, but once it does, the compounding just takes off.","start":1470.13,"end":1475.025,"sentiment":"neutral","sentiment_score":-0.07752257357868883},{"text":"And then in those last fifteen years, you go from 400 to a million, and then you've got to try and protect it.","start":1475.185,"end":1481.845,"sentiment":"neutral","sentiment_score":0.06438142952063809},{"text":"Now everything that you've pretty much got is these low fee ETFs.","start":1483.665,"end":1488.645,"sentiment":"neutral","sentiment_score":0.20506147419412932},{"text":"So they follow those different sectors and countries and assets very closely, and they're very low fee, very good long term returns, but they just follow what's going on in the world.","start":1489.25,"end":1498.63,"sentiment":"neutral","sentiment_score":0.3079823264852166},{"text":"So you have to be comfortable with that dollar cost averaging I was talking about.","start":1500.05,"end":1504.445,"sentiment":"neutral","sentiment_score":0.2141065647204717}],"sentiment":"neutral","sentiment_score":0.15613137163221835,"num_words":100,"start":1470.13,"end":1504.445},{"sentences":[{"text":"Your contributions go in.","start":1504.445,"end":1506.0449,"sentiment":"neutral","sentiment_score":0.19292645156383514},{"text":"They're buying very regularly.","start":1506.0449,"end":1507.9049,"sentiment":"neutral","sentiment_score":0.2218620702624321},{"text":"If the market dips, we just use it as a buying opportunity.","start":1508.2849,"end":1511.1849,"sentiment":"neutral","sentiment_score":0.10138366743922234},{"text":"So you're okay with that?","start":1513.1649,"end":1514.43,"sentiment":"neutral","sentiment_score":0.19499537944793702},{"text":"Perfect.","start":1516.8301,"end":1517.2301,"sentiment":"positive","sentiment_score":0.5535011887550354}],"sentiment":"neutral","sentiment_score":0.16939369932963297,"num_words":26,"start":1504.445,"end":1517.2301},{"sentences":[{"text":"I think the only thing that I would do is that one Australian shares option that's in the negative.","start":1517.2301,"end":1523.01,"sentiment":"neutral","sentiment_score":-0.18406246524108083},{"text":"That actually shouldn't be in the negative.","start":1523.55,"end":1525.65,"sentiment":"neutral","sentiment_score":-0.2408669548375266},{"text":"Most Australian share funds are positive two or 3%, not down nine.","start":1525.7101,"end":1530.4551,"sentiment":"neutral","sentiment_score":0.00903037159393231},{"text":"And the Australian been along at the top.","start":1530.4551,"end":1534.555,"sentiment":"neutral","sentiment_score":-0.0609286236576736},{"text":"Yeah.","start":1536.935,"end":1537.435,"sentiment":"neutral","sentiment_score":0.050769321620464325}],"sentiment":"neutral","sentiment_score":-0.11726703685014805,"num_words":47,"start":1517.2301,"end":1537.435},{"sentences":[{"text":"So, normally, if you have one out of eight options underperforming, I would put a flag on it and say, let's watch it.","start":1537.895,"end":1543.675,"sentiment":"neutral","sentiment_score":-0.025214492910258148},{"text":"But I'm quite familiar with this fund, and we've been talking as an entire company in a licensed group, and we don't think it's going to pop back.","start":1543.98,"end":1553.76,"sentiment":"neutral","sentiment_score":-0.04287168081750029},{"text":"So just to optimize things, I know it's been returning well.","start":1555.42,"end":1558.64,"sentiment":"neutral","sentiment_score":0.12981267137960953},{"text":"I would like to get you a switch out of that one option and basically keep most of the rest of it the same.","start":1558.815,"end":1564.6749,"sentiment":"neutral","sentiment_score":0.11169114864120881},{"text":"Cool.","start":1567.2949,"end":1567.615,"sentiment":"positive","sentiment_score":0.47111910581588745}],"sentiment":"neutral","sentiment_score":0.03217592710982366,"num_words":87,"start":1537.895,"end":1567.615},{"sentences":[{"text":"Now I do have one question for you because you get to pick style of investment.","start":1567.615,"end":1571.1549,"sentiment":"neutral","sentiment_score":0.09637621254660189},{"text":"I've got many alternatives for you.","start":1571.455,"end":1574.3099,"sentiment":"neutral","sentiment_score":0.10727611960222323},{"text":"If you had to pick between lowest fees or pay more and try and get a higher return, which way does your gut feeling lean towards?","start":1575.4099,"end":1583.6699,"sentiment":"neutral","sentiment_score":0.03433372710759823},{"text":"Yeah.","start":1590.945,"end":1591.4249,"sentiment":"neutral","sentiment_score":0.12265168130397797},{"text":"Absolutely.","start":1591.4249,"end":1591.9249,"sentiment":"neutral","sentiment_score":0.21995000541210177}],"sentiment":"neutral","sentiment_score":0.06841909419745207,"num_words":50,"start":1567.615,"end":1591.9249},{"sentences":[{"text":"And I don't have too much of a personal preference in it because I can pick the best low fee, the best high fee options available.","start":1592.3049,"end":1600.5399,"sentiment":"neutral","sentiment_score":0.04510147461237816},{"text":"We do have a couple on menu that we've been looking at.","start":1601.48,"end":1604.12,"sentiment":"neutral","sentiment_score":0.12991602594653764},{"text":"So if you're okay for that, I will do a little bit of research and a comparison and update your statement of advice document, and I'll run you through it before we change anything.","start":1604.12,"end":1613.145,"sentiment":"neutral","sentiment_score":0.11277834731428062},{"text":"Perfect.","start":1615.045,"end":1615.545,"sentiment":"positive","sentiment_score":0.7140383720397949},{"text":"Alright.","start":1616.245,"end":1616.7251,"sentiment":"positive","sentiment_score":0.4349723756313324}],"sentiment":"neutral","sentiment_score":0.10425817848158044,"num_words":74,"start":1592.3049,"end":1616.7251},{"sentences":[{"text":"Any other questions on the super so far?","start":1616.7251,"end":1618.745,"sentiment":"neutral","sentiment_score":0.2567173894494772},{"text":"Yeah.","start":1630.74,"end":1630.98,"sentiment":"positive","sentiment_score":0.3497544527053833},{"text":"That's awesome.","start":1630.98,"end":1631.5399,"sentiment":"positive","sentiment_score":0.496271088719368},{"text":"I mean, I think it came in it's rolled in in November '23.","start":1631.5399,"end":1635.7,"sentiment":"neutral","sentiment_score":0.1951892628119542},{"text":"So, yeah, it's kind of coming close to that two and a half year mark.","start":1635.7,"end":1638.6,"sentiment":"neutral","sentiment_score":0.22312919199466705}],"sentiment":"neutral","sentiment_score":0.23795984723629096,"num_words":39,"start":1616.7251,"end":1638.6},{"sentences":[{"text":"Now when it comes to the admin side, we don't have your beneficiary nomination on your hub account, so who it goes to if you were to pass away.","start":1640.375,"end":1650.395,"sentiment":"neutral","sentiment_score":-0.018805036449740672},{"text":"Well, you generally, a valid nominee would be someone who's financially dependent.","start":1660.39,"end":1666.765,"sentiment":"neutral","sentiment_score":0.013601353003953895},{"text":"So spouse, child, someone who lives with you that you look after, not really brother, sister, grandparents, that kind of thing.","start":1667.065,"end":1675.085,"sentiment":"neutral","sentiment_score":0.008385787141465005},{"text":"Now can I just quickly check?","start":1678.12,"end":1680.2,"sentiment":"neutral","sentiment_score":0.006565384722004334},{"text":"And I do apologize.","start":1680.2,"end":1681.9,"sentiment":"neutral","sentiment_score":-0.02970599802210927}],"sentiment":"neutral","sentiment_score":-0.003964721871953871,"num_words":72,"start":1640.375,"end":1681.9},{"sentences":[{"text":"Did you say that you bought a house with somebody?","start":1684.52,"end":1686.46,"sentiment":"neutral","sentiment_score":0.00944316778331995},{"text":"I was I was just staring at your original fact find where you were single at the time, and I was like, hang on.","start":1688.28,"end":1693.505,"sentiment":"neutral","sentiment_score":-0.03489841854510208},{"text":"I I swear are you guys engaged or married or de facto?","start":1693.505,"end":1697.925,"sentiment":"neutral","sentiment_score":-0.01733401829066376},{"text":"He's slow.","start":1701.905,"end":1702.4851,"sentiment":"neutral","sentiment_score":-0.2212231606245041},{"text":"Look.","start":1703.665,"end":1703.905,"sentiment":"neutral","sentiment_score":-0.08794712275266647}],"sentiment":"neutral","sentiment_score":-0.030235347566099798,"num_words":49,"start":1684.52,"end":1703.905},{"sentences":[{"text":"I was seven years slow too, but they get there eventually.","start":1703.905,"end":1706.9651,"sentiment":"neutral","sentiment_score":-0.13414669036865234},{"text":"Hey.","start":1708.83,"end":1709.15,"sentiment":"neutral","sentiment_score":0.058258067816495895},{"text":"We've been together for twelve coming on 13.","start":1709.15,"end":1712.51,"sentiment":"neutral","sentiment_score":0.10630370583385229},{"text":"We've got our third child on the way in June, so I got there eventually.","start":1712.51,"end":1716.53,"sentiment":"neutral","sentiment_score":0.1328066756327947},{"text":"Thanks.","start":1717.31,"end":1717.81,"sentiment":"positive","sentiment_score":0.4034740924835205}],"sentiment":"neutral","sentiment_score":0.05079578742798832,"num_words":36,"start":1703.905,"end":1717.81},{"sentences":[{"text":"Perfect.","start":1722.4451,"end":1722.845,"sentiment":"positive","sentiment_score":0.4306050539016723},{"text":"So I'll put him as de facto.","start":1722.845,"end":1724.9451,"sentiment":"neutral","sentiment_score":0.292225250176021},{"text":"Do you want him to be listed as your next of kin in place of Heidi, like emergency contact for us.","start":1726.845,"end":1735.68,"sentiment":"neutral","sentiment_score":0.0795362348712626},{"text":"Perfect.","start":1742.4601,"end":1742.86,"sentiment":"positive","sentiment_score":0.35812556743621826},{"text":"Can I please take down his full name and phone number by any chance?","start":1742.86,"end":1746.24,"sentiment":"neutral","sentiment_score":0.10271888332707542}],"sentiment":"neutral","sentiment_score":0.13505983344194564,"num_words":44,"start":1722.4451,"end":1746.24},{"sentences":[{"text":"Yep.","start":1752.4249,"end":1752.9249,"sentiment":"neutral","sentiment_score":0.026435866951942444},{"text":"Alright.","start":1757.465,"end":1757.965,"sentiment":"neutral","sentiment_score":0.0368853434920311},{"text":"Ruben Healy, e u b e n.","start":1758.1849,"end":1760.525,"sentiment":"neutral","sentiment_score":0.025118287386638776},{"text":"Healy, h e a l y.","start":1760.64,"end":1762.66,"sentiment":"neutral","sentiment_score":0.01807519296805064},{"text":"And phone number.","start":1764.64,"end":1766.26,"sentiment":"neutral","sentiment_score":0.019391968846321106}],"sentiment":"neutral","sentiment_score":0.022543127027650673,"num_words":18,"start":1752.4249,"end":1766.26},{"sentences":[{"text":"Yep.","start":1771.04,"end":1771.36,"sentiment":"neutral","sentiment_score":0.02695709466934204},{"text":"Go for it.","start":1771.36,"end":1772.26,"sentiment":"neutral","sentiment_score":0.03555176158746084},{"text":"Zero four six seven three seven six 213.","start":1774.975,"end":1782.995,"sentiment":"neutral","sentiment_score":0.014550600782968104},{"text":"Perfect.","start":1783.135,"end":1783.635,"sentiment":"neutral","sentiment_score":0.11387676000595091},{"text":"Do you want Ruben nominated to receive your super if you pass away?","start":1784.255,"end":1788.62,"sentiment":"neutral","sentiment_score":-0.09036198487648597}],"sentiment":"neutral","sentiment_score":-0.03118507144972682,"num_words":26,"start":1771.04,"end":1788.62},{"sentences":[{"text":"Do you wanna kind of leave it with no nomination?","start":1788.8401,"end":1790.9401,"sentiment":"neutral","sentiment_score":-0.16164328902959824},{"text":"What are you thinking?","start":1791.3201,"end":1792.38,"sentiment":"neutral","sentiment_score":-0.1301074828952551},{"text":"Well, let me ask you this.","start":1800.8551,"end":1802.135,"sentiment":"neutral","sentiment_score":-0.03550767588118712},{"text":"Do you have a will in place at the moment?","start":1802.135,"end":1804.0751,"sentiment":"neutral","sentiment_score":-0.04012330397963524},{"text":"No.","start":1805.175,"end":1805.675,"sentiment":"neutral","sentiment_score":-0.1421034038066864}],"sentiment":"neutral","sentiment_score":-0.09333049421829562,"num_words":31,"start":1788.8401,"end":1805.675},{"sentences":[{"text":"So most everything of yours will go to, like, public trustee.","start":1805.9751,"end":1810.395,"sentiment":"neutral","sentiment_score":-0.07011767510663379},{"text":"People will pop their hand up.","start":1810.6951,"end":1812.51,"sentiment":"neutral","sentiment_score":-0.008079386471460262},{"text":"I'm sister.","start":1812.59,"end":1813.49,"sentiment":"neutral","sentiment_score":-0.013219682965427637},{"text":"I'm spouse, whatever it is.","start":1813.55,"end":1815.33,"sentiment":"neutral","sentiment_score":-0.022745359130203723},{"text":"And the government will have to try and figure that out between the super, the house ownership.","start":1815.47,"end":1820.85,"sentiment":"neutral","sentiment_score":-0.033006865202504045}],"sentiment":"neutral","sentiment_score":-0.03709886865917503,"num_words":41,"start":1805.9751,"end":1820.85},{"sentences":[{"text":"I guess the rule of survivorship probably go to your spouse house wise, so that's okay.","start":1820.99,"end":1826.1901,"sentiment":"neutral","sentiment_score":0.035405104514211416},{"text":"But your shoes, your bank account, that kind of thing.","start":1826.1901,"end":1828.485,"sentiment":"neutral","sentiment_score":0.06863997764885425},{"text":"Are you sure?","start":1832.165,"end":1832.725,"sentiment":"neutral","sentiment_score":0.13094263275464377},{"text":"You don't have to.","start":1832.725,"end":1833.785,"sentiment":"neutral","sentiment_score":0.12567375972867012},{"text":"Oh, cool.","start":1835.6849,"end":1836.085,"sentiment":"positive","sentiment_score":0.6059785485267639}],"sentiment":"neutral","sentiment_score":0.09601032808423042,"num_words":35,"start":1820.99,"end":1836.085},{"sentences":[{"text":"Make sure to tell him that you're thinking in that way, and then hopefully that urges him along a little bit quicker.","start":1836.085,"end":1840.985,"sentiment":"positive","sentiment_score":0.471256361766295},{"text":"So you do have we'll send out some forms.","start":1843.52,"end":1846.9,"sentiment":"neutral","sentiment_score":0.16527700258625877},{"text":"You do have to, like, wet sign them ink pen because it's a legal document, get them witnessed.","start":1846.9601,"end":1852.1,"sentiment":"neutral","sentiment_score":0.12817011566625702},{"text":"We've got a lot lovely little instruction letter over the top so you can't miss it.","start":1852.9601,"end":1857.675,"sentiment":"positive","sentiment_score":0.5599700324237347},{"text":"You do get to choose between whether you want the nomination to lapse or be continuous.","start":1857.895,"end":1863.435,"sentiment":"neutral","sentiment_score":0.1756946286186576}],"sentiment":"neutral","sentiment_score":0.3201583906272311,"num_words":81,"start":1836.085,"end":1863.435},{"sentences":[{"text":"So it can expire every three years, or it can just continue on until you change it.","start":1863.8151,"end":1868.055,"sentiment":"neutral","sentiment_score":0.06669993128846674},{"text":"Do you have a preference between the two?","start":1868.055,"end":1869.84,"sentiment":"neutral","sentiment_score":0.04031178425066173},{"text":"Well, usually, I've got someone whose marriage is like, just put it continuous so I don't have to think about it.","start":1873.76,"end":1878.88,"sentiment":"neutral","sentiment_score":0.21661778149150668},{"text":"And other people, it's like, you know what?","start":1878.88,"end":1880.1599,"sentiment":"neutral","sentiment_score":0.20614692009985447},{"text":"If I have to review it every three years, that's nice because my life's gonna change.","start":1880.1599,"end":1883.62,"sentiment":"positive","sentiment_score":0.34213821962475777}],"sentiment":"neutral","sentiment_score":0.18755361988608327,"num_words":70,"start":1863.8151,"end":1883.62},{"sentences":[{"text":"Really no wrong answer there.","start":1884.1599,"end":1885.7,"sentiment":"neutral","sentiment_score":-0.053220374137163164},{"text":"Yep.","start":1891.485,"end":1891.985,"sentiment":"neutral","sentiment_score":0.05330165848135948},{"text":"Lapsing.","start":1892.205,"end":1892.705,"sentiment":"neutral","sentiment_score":0.008957086130976677},{"text":"And this is a bit of a silly question, but you do have the option to make it legally binding or nonlegally binding, which means the super fund has discretion.","start":1893.245,"end":1902.26,"sentiment":"neutral","sentiment_score":-0.031916841740409534},{"text":"I don't know why anyone would choose nonbinding.","start":1904.88,"end":1907.22,"sentiment":"neutral","sentiment_score":-0.23586628399789333}],"sentiment":"neutral","sentiment_score":-0.06773952556153139,"num_words":45,"start":1884.1599,"end":1907.22},{"sentences":[{"text":"I think some industry super funds have people nominating dogs and brothers, and anything can be a nonbinding nomination because it's like, hey.","start":1907.28,"end":1914.905,"sentiment":"neutral","sentiment_score":-0.030364900604700266},{"text":"It may work.","start":1915.125,"end":1915.765,"sentiment":"neutral","sentiment_score":-0.055919207632541656},{"text":"It may not.","start":1915.765,"end":1916.5851,"sentiment":"neutral","sentiment_score":-0.13194291293621063},{"text":"But generally speaking, legally binding is the way to go.","start":1917.525,"end":1920.745,"sentiment":"neutral","sentiment_score":-0.1175793506205082},{"text":"Alright.","start":1923.8601,"end":1924.3401,"sentiment":"neutral","sentiment_score":-0.02624059095978737}],"sentiment":"neutral","sentiment_score":-0.061600329319480805,"num_words":40,"start":1907.28,"end":1924.3401},{"sentences":[{"text":"I'll make a note for him.","start":1924.3401,"end":1926.3601,"sentiment":"neutral","sentiment_score":0.11754681294163068},{"text":"Do you want us to prefill any of his details on the form, or are you okay to fill that in?","start":1926.5801,"end":1931.9601,"sentiment":"neutral","sentiment_score":0.059286956364909806},{"text":"Cool.","start":1934.42,"end":1934.92,"sentiment":"positive","sentiment_score":0.5631216764450073},{"text":"I'll send that through to you.","start":1935.14,"end":1936.8401,"sentiment":"positive","sentiment_score":0.47095633049805957},{"text":"Now when it comes to cash flow, the last question I did have for you on that before the last topic is contributions.","start":1938.185,"end":1945.325,"sentiment":"neutral","sentiment_score":0.0869788775301498}],"sentiment":"neutral","sentiment_score":0.12876632989367895,"num_words":57,"start":1924.3401,"end":1945.325},{"sentences":[{"text":"Do you wanna look at any salary sacrifice because you did just get a big mortgage in October?","start":1945.465,"end":1950.045,"sentiment":"neutral","sentiment_score":0.029123930881420772},{"text":"So cash flow priorities between debt, savings, super, and investing, how would you rank those four?","start":1950.57,"end":1957.71,"sentiment":"neutral","sentiment_score":0.09101057867519557},{"text":"So in terms of putting extra contributions into your super, the old salary sacrifice tax deduction there, what I'm really thinking here is what are your cash flow priorities?","start":1961.21,"end":1972.345,"sentiment":"neutral","sentiment_score":0.025200982674442488},{"text":"Is it build up the savings, pay off the mortgage, do some personal investment, or is it bumping up your super?","start":1972.6449,"end":1979.225,"sentiment":"neutral","sentiment_score":0.05510716938546726},{"text":"Cool.","start":1985.7101,"end":1986.1901,"sentiment":"neutral","sentiment_score":0.28551575541496277}],"sentiment":"neutral","sentiment_score":0.04887052734985071,"num_words":85,"start":1945.465,"end":1986.1901},{"sentences":[{"text":"Savings and investing first.","start":1986.1901,"end":1987.9701,"sentiment":"neutral","sentiment_score":0.27663973718881607},{"text":"And, look, there's plenty of things you can do for super down the line.","start":1989.0701,"end":1992.705,"sentiment":"neutral","sentiment_score":0.3313254064747265},{"text":"If you're earning decent amount and in high growth, it tends to take care of itself.","start":1992.705,"end":1996.485,"sentiment":"neutral","sentiment_score":0.2677656775340438},{"text":"If you need to do $50 of salary sacrifice in your late forties, that's possible.","start":1996.785,"end":2001.205,"sentiment":"neutral","sentiment_score":0.10609630445639293},{"text":"You can do transition strategies, heaps of things.","start":2001.505,"end":2004.385,"sentiment":"neutral","sentiment_score":0.2572220489382744}],"sentiment":"neutral","sentiment_score":0.2399752006718987,"num_words":57,"start":1986.1901,"end":2004.385},{"sentences":[{"text":"So I'll put your priorities down as savings and investing for the time being just so we're not constantly asking you, would you like to put extra money in your super, which if we've got some investing to do, no point walking away until 60.","start":2004.385,"end":2018.5901,"sentiment":"neutral","sentiment_score":0.14405696052643988},{"text":"Cool.","start":2020.0249,"end":2020.1849,"sentiment":"neutral","sentiment_score":0.25851085782051086},{"text":"Alright.","start":2020.1849,"end":2020.4249,"sentiment":"neutral","sentiment_score":0.1900271773338318},{"text":"So savings investing is there.","start":2020.4249,"end":2022.205,"sentiment":"neutral","sentiment_score":0.10858749598264694},{"text":"When it comes to your insurance situation, that one was a little bit tricky.","start":2022.9049,"end":2031.1649,"sentiment":"neutral","sentiment_score":-0.03789346372442586}],"sentiment":"neutral","sentiment_score":0.10520500373659712,"num_words":66,"start":2004.385,"end":2031.1649},{"sentences":[{"text":"I was just having a look at it there.","start":2032.36,"end":2034.0599,"sentiment":"neutral","sentiment_score":-0.016012339542309444},{"text":"Did you want me to get any kind of quotes for, like, life insurance to pay off the mortgage or something like that?","start":2034.2799,"end":2040.22,"sentiment":"neutral","sentiment_score":0.03952817837505237},{"text":"So that's what I'm trying to kind of I'm just getting a bit of a mental picture here.","start":2045.895,"end":2051.035,"sentiment":"neutral","sentiment_score":0.05297460143143932},{"text":"So you're currently low oh, hang on.","start":2051.255,"end":2055.915,"sentiment":"neutral","sentiment_score":-0.06518605723977089},{"text":"My brain's gone.","start":2057.35,"end":2058.49,"sentiment":"negative","sentiment_score":-0.36541517575581867}],"sentiment":"neutral","sentiment_score":0.0027671990760912498,"num_words":60,"start":2032.36,"end":2058.49},{"sentences":[{"text":"$20.25, $19.95, 30.","start":2059.75,"end":2062.15,"sentiment":"neutral","sentiment_score":0.0065324387202660246},{"text":"Sorry.","start":2062.15,"end":2062.47,"sentiment":"neutral","sentiment_score":-0.06676288694143295},{"text":"Just turned 30.","start":2062.47,"end":2063.45,"sentiment":"neutral","sentiment_score":-0.05868929189940294},{"text":"30 is the sweet spot for pricing.","start":2064.95,"end":2067.21,"sentiment":"positive","sentiment_score":0.3708335544381823},{"text":"That's not just me saying that because I don't like selling insurance.","start":2068.325,"end":2071.2048,"sentiment":"neutral","sentiment_score":-0.13648885199412084}],"sentiment":"neutral","sentiment_score":0.028259046563807014,"num_words":26,"start":2059.75,"end":2071.2048},{"sentences":[{"text":"But generally speaking, I did an analysis in 2014 when I entered the industry, and '29 and '30 is the cheapest year.","start":2071.2048,"end":2078.7449,"sentiment":"neutral","sentiment_score":-0.02117972104249268},{"text":"For some reason, an 18 year old is more risky, and everyone after 30 has health problems.","start":2078.805,"end":2083.365,"sentiment":"neutral","sentiment_score":-0.32879798464915333},{"text":"So so the logic makes sense, but it was interesting to find.","start":2083.365,"end":2090.5498,"sentiment":"neutral","sentiment_score":0.03810351621359587},{"text":"Now because you're in real estate, pretty well office based, I think rental side of things isn't too much of a risk on the occupation ratings, so that's okay.","start":2091.5698,"end":2102.935,"sentiment":"neutral","sentiment_score":0.07359039590790353},{"text":"Possibly just like white collar, which is nice and cheap.","start":2103.395,"end":2106.2148,"sentiment":"neutral","sentiment_score":0.2785587221384048}],"sentiment":"neutral","sentiment_score":-0.007539652274378265,"num_words":90,"start":2071.2048,"end":2106.2148},{"sentences":[{"text":"We did have you listed down as a smoker, smoker or vapor or something like that.","start":2108.435,"end":2112.18,"sentiment":"neutral","sentiment_score":-0.09544861293397844},{"text":"So that doubles the price, which is painful.","start":2114.0999,"end":2117.0798,"sentiment":"negative","sentiment_score":-0.3453018292784691},{"text":"If you're ever twelve months nicotine free, they'd class you as a nonsmoker, and that chops down quite a bit.","start":2118.5,"end":2124.5999,"sentiment":"neutral","sentiment_score":-0.07272817157208919},{"text":"You did have, just in terms of previous health concerns, medication for headaches back many years ago.","start":2125.595,"end":2135.055,"sentiment":"neutral","sentiment_score":-0.02205025065032875},{"text":"Still doing that.","start":2135.275,"end":2136.335,"sentiment":"neutral","sentiment_score":0.022817416737476986}],"sentiment":"neutral","sentiment_score":-0.09453996692900546,"num_words":64,"start":2108.435,"end":2136.335},{"sentences":[{"text":"Yeah.","start":2143.1301,"end":2143.45,"sentiment":"neutral","sentiment_score":0.08837194740772247},{"text":"Absolutely.","start":2143.45,"end":2143.95,"sentiment":"neutral","sentiment_score":0.08954852819442749},{"text":"Now is there any other like, is there an underlying condition there that's been diagnosed or anything like that?","start":2144.25,"end":2150.265,"sentiment":"neutral","sentiment_score":0.001716442504211476},{"text":"Yep.","start":2154.025,"end":2154.525,"sentiment":"neutral","sentiment_score":-0.10811617225408554},{"text":"Awesome.","start":2156.825,"end":2157.325,"sentiment":"positive","sentiment_score":0.3957956731319427}],"sentiment":"neutral","sentiment_score":0.02166140800260979,"num_words":23,"start":2143.1301,"end":2157.325},{"sentences":[{"text":"So when it comes to insurance side of things, I can get quotes.","start":2157.625,"end":2160.845,"sentiment":"neutral","sentiment_score":0.25080178334162784},{"text":"I can just keep it at that mortgage level for, say, life insurance disability cover.","start":2161.065,"end":2166.55,"sentiment":"neutral","sentiment_score":0.18278636833031972},{"text":"So you pass away, never work again, mortgage is paid off for your partner, future family, and so on.","start":2166.61,"end":2172.39,"sentiment":"neutral","sentiment_score":-0.019211631660398684},{"text":"Is that something you want me to kind of do some research on and see what it looks like?","start":2172.45,"end":2176.39,"sentiment":"neutral","sentiment_score":0.06492148202500846},{"text":"Yes.","start":2188.385,"end":2188.885,"sentiment":"neutral","sentiment_score":0.08567343652248383}],"sentiment":"neutral","sentiment_score":0.10382655674397055,"num_words":67,"start":2157.625,"end":2188.885},{"sentences":[{"text":"So let's say the prices are too expensive at the moment.","start":2188.9448,"end":2194.94,"sentiment":"neutral","sentiment_score":-0.22804956205866553},{"text":"We call you up in a year's time and we do a review, and you said, yep.","start":2195.48,"end":2199.0,"sentiment":"neutral","sentiment_score":0.05895550362765789},{"text":"After our conversation, I quit smoking straight away, then we can do some quotes as a nonsmoker's rates at the next review too.","start":2199.0,"end":2206.845,"sentiment":"neutral","sentiment_score":0.1307785870588344},{"text":"Perfect.","start":2208.665,"end":2209.165,"sentiment":"positive","sentiment_score":0.4430366456508637},{"text":"What about I have to run through all four of them.","start":2210.665,"end":2212.825,"sentiment":"neutral","sentiment_score":0.11996512961658565}],"sentiment":"neutral","sentiment_score":0.0518136341716089,"num_words":63,"start":2188.9448,"end":2212.825},{"sentences":[{"text":"I do apologize.","start":2212.825,"end":2213.645,"sentiment":"neutral","sentiment_score":-0.023847489307324093},{"text":"Life and TPD, that's your life insurance disability.","start":2215.32,"end":2218.3801,"sentiment":"neutral","sentiment_score":0.04069140553474426},{"text":"There is income protection as well, which is income replacement if you're out of work for more than, say, a month to replace 70% of your income so you can keep the mortgage going.","start":2219.24,"end":2230.245,"sentiment":"neutral","sentiment_score":0.04537623534526895},{"text":"Is that important for you guys too?","start":2230.5452,"end":2232.485,"sentiment":"neutral","sentiment_score":0.13028117907898767},{"text":"I'm led by you on that one.","start":2232.945,"end":2234.8052,"sentiment":"neutral","sentiment_score":0.0305948889415179}],"sentiment":"neutral","sentiment_score":0.04954090261421466,"num_words":59,"start":2212.825,"end":2234.8052},{"sentences":[{"text":"Yeah.","start":2244.48,"end":2244.96,"sentiment":"neutral","sentiment_score":-0.07304438948631287},{"text":"It's one of those annoying ones where income protection is the most expensive but the most claimed on because everyone's got something that pops up whether off work for three months, six months, whatever it is.","start":2244.96,"end":2254.815,"sentiment":"neutral","sentiment_score":-0.17785115653855932},{"text":"I tend to it's purely up to you, but I tend to have a bit of a flag point on pricing where if it goes above 30% of your contributions, it starts to really eat at your super and slow down the growth.","start":2256.175,"end":2269.315,"sentiment":"neutral","sentiment_score":-0.32284880273563915},{"text":"So for example, I could basically say you're on $69.09 $9.08.","start":2271.41,"end":2278.23,"sentiment":"neutral","sentiment_score":-0.007882122570828704},{"text":"12% of that is 8,400, and 30% of that is 2,500.","start":2279.25,"end":2284.935,"sentiment":"neutral","sentiment_score":-0.022518406876108864}],"sentiment":"neutral","sentiment_score":-0.20286853300414948,"num_words":102,"start":2244.48,"end":2284.935},{"sentences":[{"text":"So, potentially, if total premiums for three insurance policies under 2 grands, I would possibly recommend it.","start":2285.0151,"end":2292.475,"sentiment":"neutral","sentiment_score":0.050723892362678755},{"text":"Thoughts on that?","start":2293.495,"end":2294.475,"sentiment":"neutral","sentiment_score":0.05279243985811869},{"text":"Yes.","start":2298.23,"end":2298.73,"sentiment":"neutral","sentiment_score":0.052659232169389725},{"text":"So let's say it was a 2,000 premium.","start":2298.8699,"end":2301.03,"sentiment":"neutral","sentiment_score":0.02077669044956565},{"text":"You get, like, a 15% rebate off of that, drops it to about $18.50.","start":2301.03,"end":2305.53,"sentiment":"neutral","sentiment_score":0.29269685596227646}],"sentiment":"neutral","sentiment_score":0.12412354020878326,"num_words":43,"start":2285.0151,"end":2305.53},{"sentences":[{"text":"Yeah.","start":2309.205,"end":2309.705,"sentiment":"neutral","sentiment_score":0.19915851950645447},{"text":"Realistically, I I like to see people in our age group under 1,500 in total.","start":2310.0051,"end":2315.225,"sentiment":"neutral","sentiment_score":0.2992447465658188},{"text":"If the smokers rates are gonna push you up closer to 2,000, potentially.","start":2315.845,"end":2319.465,"sentiment":"neutral","sentiment_score":0.010080413463023992},{"text":"If I do the quotes and it's 3,000, I'm not even gonna consider it.","start":2320.8052,"end":2324.34,"sentiment":"neutral","sentiment_score":-0.26249118867729393},{"text":"K?","start":2326.26,"end":2326.76,"sentiment":"neutral","sentiment_score":0.03428930789232254}],"sentiment":"neutral","sentiment_score":0.026779267259619453,"num_words":44,"start":2309.205,"end":2326.76},{"sentences":[{"text":"So what I'll do is I'll put together that update for the investment switch, and then I'll get you some life TPD and income protection quotes as well.","start":2326.82,"end":2336.805,"sentiment":"neutral","sentiment_score":0.2945850414357015},{"text":"I'm gonna recommend all of it, and then you can just write into the document what you would like to go ahead with or not.","start":2336.805,"end":2342.505,"sentiment":"positive","sentiment_score":0.37023732244968416},{"text":"Cool.","start":2344.005,"end":2344.505,"sentiment":"positive","sentiment_score":0.5334395170211792},{"text":"You do get to choose between a waiting period and a benefit period.","start":2345.4448,"end":2348.82,"sentiment":"neutral","sentiment_score":0.3316069898697046},{"text":"So thirty days is standard.","start":2349.06,"end":2350.6602,"sentiment":"neutral","sentiment_score":0.06205043345689774}],"sentiment":"neutral","sentiment_score":0.31470689963963294,"num_words":72,"start":2326.82,"end":2350.6602},{"sentences":[{"text":"You're out of work for a month.","start":2350.6602,"end":2351.96,"sentiment":"neutral","sentiment_score":-0.13296927884221077},{"text":"You can go push it out to sixty days or ninety days to make it more affordable if you can last two months, three months on savings and partner's income.","start":2352.9001,"end":2361.8801,"sentiment":"neutral","sentiment_score":0.12650998545189698},{"text":"The other side is benefit period.","start":2363.725,"end":2365.825,"sentiment":"neutral","sentiment_score":0.1358508343497912},{"text":"They can pay you monthly for two years, five years, or age 65 all the way through to basically retirement.","start":2366.125,"end":2373.505,"sentiment":"neutral","sentiment_score":0.12880971133708954},{"text":"I can guarantee right now if I did thirty days age 65, which is the big one, with smokers' rates, we're we're talking 3 and a half thousand.","start":2374.94,"end":2382.3198,"sentiment":"neutral","sentiment_score":0.10972415948552745}],"sentiment":"neutral","sentiment_score":0.10250648692414001,"num_words":91,"start":2350.6602,"end":2382.3198},{"sentences":[{"text":"So do you have any idea about how long you could go without your income for?","start":2384.22,"end":2388.675,"sentiment":"neutral","sentiment_score":-0.05596985365264118},{"text":"Yep.","start":2410.21,"end":2410.71,"sentiment":"neutral","sentiment_score":0.030832713469862934},{"text":"Okay.","start":2414.3052,"end":2414.8052,"sentiment":"neutral","sentiment_score":-0.054874174296855927},{"text":"So what I will do is would you say it's more important to make sure that mortgage is covered off for, like, the life insurance disability, or is the income protection more important for you?","start":2414.945,"end":2424.72,"sentiment":"neutral","sentiment_score":0.06663138025573322},{"text":"I know.","start":2433.04,"end":2433.52,"sentiment":"neutral","sentiment_score":-0.14437862485647202}],"sentiment":"neutral","sentiment_score":0.020432398908517578,"num_words":55,"start":2384.22,"end":2433.52},{"sentences":[{"text":"I'm so sorry to bombard you with all the tough questions.","start":2433.52,"end":2435.8599,"sentiment":"neutral","sentiment_score":-0.2854180065068332},{"text":"Okay.","start":2447.545,"end":2447.9448,"sentiment":"neutral","sentiment_score":0.18349242210388184},{"text":"Perfect.","start":2447.9448,"end":2448.265,"sentiment":"positive","sentiment_score":0.4546280801296234},{"text":"So what I'm gonna do is I'm gonna start with the life and disability covering the mortgage.","start":2448.265,"end":2453.2,"sentiment":"neutral","sentiment_score":0.16475905872443142},{"text":"That'll be the baseline cover.","start":2453.34,"end":2455.12,"sentiment":"neutral","sentiment_score":0.09019758552312851}],"sentiment":"neutral","sentiment_score":0.021440410188266208,"num_words":35,"start":2433.52,"end":2455.12},{"sentences":[{"text":"Then I'm gonna try and work income protection on top.","start":2455.66,"end":2458.72,"sentiment":"neutral","sentiment_score":0.09769713208079338},{"text":"And if thirty days, age 65 pushes that to $4,000, I'm gonna start trimming it down.","start":2458.86,"end":2465.28,"sentiment":"neutral","sentiment_score":0.009999585046898574},{"text":"I will leave it as a maximum of sixty days, and I'll just work back the benefit period from a sixty five, five years, two years until I get to an affordable amount or chop it.","start":2466.285,"end":2477.85,"sentiment":"neutral","sentiment_score":0.09619166712380117},{"text":"Cool.","start":2480.4102,"end":2480.9102,"sentiment":"positive","sentiment_score":0.5595334768295288},{"text":"Did you want any quotes for trauma insurance, which is heart attack, stroke, and cancer?","start":2484.9702,"end":2490.1902,"sentiment":"neutral","sentiment_score":0.09629827539126078}],"sentiment":"neutral","sentiment_score":0.08466502956043069,"num_words":78,"start":2455.66,"end":2490.1902},{"sentences":[{"text":"You can only pay for it out of pocket.","start":2490.425,"end":2492.285,"sentiment":"neutral","sentiment_score":-0.09157907797230615},{"text":"K.","start":2501.465,"end":2501.965,"sentiment":"neutral","sentiment_score":0.0352250374853611},{"text":"So what I'll do, I'll do a standard 100,000 for, like, medical expenses.","start":2502.105,"end":2507.45,"sentiment":"neutral","sentiment_score":0.0774189829826355},{"text":"Your partner can take some time off if you ever have a heart attack or get cancer.","start":2507.45,"end":2511.3901,"sentiment":"neutral","sentiment_score":0.05508444502073176},{"text":"And I just need from you maybe some affordability in terms of a monthly amount.","start":2512.01,"end":2516.99,"sentiment":"neutral","sentiment_score":0.0768735667069753}],"sentiment":"neutral","sentiment_score":0.041945439644835214,"num_words":55,"start":2490.425,"end":2516.99},{"sentences":[{"text":"Would 20 a month, $30.40 a month be the maximum, a 100 a month?","start":2517.575,"end":2522.375,"sentiment":"neutral","sentiment_score":0.06603943556547165},{"text":"Like, how important is that, that life event?","start":2522.375,"end":2525.4348,"sentiment":"neutral","sentiment_score":0.06683720601722598},{"text":"More so dollars per month because I can kind of work out what the premium is gonna look like.","start":2533.11,"end":2538.3901,"sentiment":"neutral","sentiment_score":0.1186674523510431},{"text":"I'm gonna find the most affordable provider.","start":2538.3901,"end":2540.49,"sentiment":"neutral","sentiment_score":0.2581865979092462},{"text":"I'll do a comparison across all insurers, find the most affordable.","start":2540.95,"end":2544.515,"sentiment":"neutral","sentiment_score":0.2309481677683917}],"sentiment":"neutral","sentiment_score":0.13663843002612308,"num_words":59,"start":2517.575,"end":2544.515},{"sentences":[{"text":"But how much can you actually afford to pay out of a direct debit potentially for that?","start":2544.895,"end":2549.875,"sentiment":"neutral","sentiment_score":0.006986173636773054},{"text":"And this is the fun thing is because you've got that $152,100 dollars a week of surplus cash flow, there's so many things it goes for.","start":2557.95,"end":2565.8901,"sentiment":"positive","sentiment_score":0.48668329188456905},{"text":"Savings, mortgage, investment, super insurances.","start":2566.19,"end":2569.4102,"sentiment":"neutral","sentiment_score":0.2963532269001007},{"text":"You can spend your money on everything.","start":2570.385,"end":2572.0051,"sentiment":"positive","sentiment_score":0.41776660084724426},{"text":"It's about priorities.","start":2572.065,"end":2573.285,"sentiment":"neutral","sentiment_score":0.2921457787354787}],"sentiment":"neutral","sentiment_score":0.3112948313355446,"num_words":58,"start":2544.895,"end":2573.285},{"sentences":[{"text":"Did you want me to leave it for now?","start":2575.745,"end":2577.5251,"sentiment":"neutral","sentiment_score":0.04539482564561897},{"text":"Just do a quote to see what it comes out like.","start":2577.825,"end":2580.165,"sentiment":"neutral","sentiment_score":0.08080443672158501},{"text":"Correct.","start":2588.5598,"end":2589.0598,"sentiment":"neutral","sentiment_score":0.059158049523830414},{"text":"Life keeping in income protection can be through your super.","start":2589.2,"end":2591.78,"sentiment":"neutral","sentiment_score":0.04449230842292309},{"text":"Trauma can only be out of pocket because it can't actually be released from super if you claim on it.","start":2591.8398,"end":2596.425,"sentiment":"neutral","sentiment_score":-0.09576111137866974}],"sentiment":"neutral","sentiment_score":-0.0022301737073005413,"num_words":51,"start":2575.745,"end":2596.425},{"sentences":[{"text":"Yep.","start":2602.105,"end":2602.605,"sentiment":"neutral","sentiment_score":0.1403590738773346},{"text":"Perfect.","start":2602.905,"end":2603.405,"sentiment":"positive","sentiment_score":0.4576312303543091},{"text":"So I'll just go live TPD income protection and and investment switch and some future investment discussions.","start":2603.945,"end":2611.18,"sentiment":"neutral","sentiment_score":0.14732616131796555},{"text":"Perfect.","start":2613.0,"end":2613.5,"sentiment":"positive","sentiment_score":0.3734281659126282},{"text":"Now take a take a breath.","start":2614.04,"end":2615.72,"sentiment":"neutral","sentiment_score":0.15533888091643652}],"sentiment":"neutral","sentiment_score":0.16953832684801176,"num_words":26,"start":2602.105,"end":2615.72},{"sentences":[{"text":"That's pretty much it.","start":2615.72,"end":2617.02,"sentiment":"neutral","sentiment_score":0.31453684717416763},{"text":"We've gone through everything it is possible to go through except self managed super funds, and I'm not talking about that tonight.","start":2618.1199,"end":2623.3198,"sentiment":"neutral","sentiment_score":-0.023963418704542248},{"text":"That's for sure.","start":2623.3198,"end":2623.995,"sentiment":"neutral","sentiment_score":0.030969154089689255},{"text":"Any questions so far on your end?","start":2625.8352,"end":2627.7751,"sentiment":"neutral","sentiment_score":0.009636661037802696},{"text":"Awesome, Emily.","start":2630.7952,"end":2631.695,"sentiment":"neutral","sentiment_score":0.25729934871196747}],"sentiment":"neutral","sentiment_score":0.03699776221458849,"num_words":38,"start":2615.72,"end":2631.695},{"sentences":[{"text":"So this will take me a couple of weeks to do some research, quotes, all that kind of thing.","start":2631.7551,"end":2636.895,"sentiment":"neutral","sentiment_score":0.10170890822222359},{"text":"I don't wanna go through, like, a full medical questionnaire with you tonight because it could take us half an hour and don't wanna take up your whole night.","start":2638.3,"end":2647.68,"sentiment":"neutral","sentiment_score":-0.2700786564884515},{"text":"Just for underwriting purposes, would it be okay for me to get the team to walk through some medical and occupation questions with you over the next fortnight?","start":2648.78,"end":2656.935,"sentiment":"neutral","sentiment_score":-0.06207085121423006},{"text":"What we tend to do with it is anonymously preassess with insurers and say, hey.","start":2657.5552,"end":2662.855,"sentiment":"neutral","sentiment_score":-0.07310512686769167},{"text":"Based on the headaches, anxiety, and so on, is there gonna be a loading where they bump the price up?","start":2662.915,"end":2668.2,"sentiment":"neutral","sentiment_score":-0.16210697330534457}],"sentiment":"neutral","sentiment_score":-0.10789650436994191,"num_words":111,"start":2631.7551,"end":2668.2},{"sentences":[{"text":"Is there gonna be an exclusion on a health condition?","start":2668.2,"end":2670.62,"sentiment":"neutral","sentiment_score":-0.21231398582458497},{"text":"And we just try and make sure we pick the one that's gonna get you the best outcome.","start":2670.84,"end":2675.4202,"sentiment":"neutral","sentiment_score":0.2895527511007256},{"text":"Perfect.","start":2678.135,"end":2678.535,"sentiment":"positive","sentiment_score":0.6564739942550659},{"text":"Is there a good day or time I can book that in with you?","start":2678.535,"end":2681.355,"sentiment":"neutral","sentiment_score":0.2809854330761092},{"text":"Perfect.","start":2695.03,"end":2695.51,"sentiment":"positive","sentiment_score":0.3881306052207947}],"sentiment":"neutral","sentiment_score":0.18334568918428637,"num_words":44,"start":2668.2,"end":2695.51},{"sentences":[{"text":"And you're in Queensland.","start":2695.51,"end":2696.97,"sentiment":"neutral","sentiment_score":0.13415298983454704},{"text":"Dang.","start":2699.9102,"end":2700.3901,"sentiment":"neutral","sentiment_score":-0.010034753009676932},{"text":"That is the one time where we are shutting the office at 02:30 because we've got a whole bunch of millennials that do four day work weeks and 07:00 finishes so they can finish early on a Friday.","start":2700.3901,"end":2714.4849,"sentiment":"neutral","sentiment_score":0.026999034330640968},{"text":"Yeah.","start":2728.96,"end":2729.36,"sentiment":"neutral","sentiment_score":0.06765107810497284},{"text":"Perfect.","start":2729.36,"end":2729.86,"sentiment":"positive","sentiment_score":0.4239851832389831}],"sentiment":"neutral","sentiment_score":0.04542615049415165,"num_words":45,"start":2695.51,"end":2729.86},{"sentences":[{"text":"Like, we've got everyone going till 07:00 most nights, so So there will always be someone that can touch base with you just for twenty minutes, run through the questions, and then we'll go off and do the research.","start":2729.92,"end":2739.575,"sentiment":"neutral","sentiment_score":0.27082688495134694},{"text":"Alright.","start":2745.075,"end":2745.575,"sentiment":"neutral","sentiment_score":0.08118163794279099},{"text":"05:30 onwards any day.","start":2745.635,"end":2748.055,"sentiment":"neutral","sentiment_score":0.06784021388739347},{"text":"Awesome.","start":2749.3499,"end":2749.8499,"sentiment":"positive","sentiment_score":0.5325780510902405},{"text":"Now is there any other last questions before I let you go?","start":2750.0698,"end":2753.21,"sentiment":"neutral","sentiment_score":0.18107647138337293}],"sentiment":"neutral","sentiment_score":0.2389523984962388,"num_words":57,"start":2729.92,"end":2753.21},{"sentences":[{"text":"Cool.","start":2755.67,"end":2756.17,"sentiment":"neutral","sentiment_score":0.281154990196228},{"text":"That email, like I said, it does have your service agreement there too.","start":2757.1099,"end":2761.45,"sentiment":"neutral","sentiment_score":0.22629683292829073},{"text":"Are you still comfortable for us to look after your super for the next twelve months?","start":2761.8052,"end":2765.185,"sentiment":"neutral","sentiment_score":0.15942670172080398},{"text":"Cool.","start":2766.8452,"end":2767.3452,"sentiment":"neutral","sentiment_score":0.2285788655281067},{"text":"The fees haven't changed.","start":2767.965,"end":2769.3252,"sentiment":"neutral","sentiment_score":0.04010870400816202}],"sentiment":"neutral","sentiment_score":0.17608156363878932,"num_words":35,"start":2755.67,"end":2769.3252},{"sentences":[{"text":"They're still 1.65%.","start":2769.3252,"end":2771.3452,"sentiment":"neutral","sentiment_score":0.03418068898220857},{"text":"That caps at 600,000, like I mentioned.","start":2771.5652,"end":2774.605,"sentiment":"neutral","sentiment_score":0.015269736360226358},{"text":"So, again, may seem quite far away, but most people our age are gonna get to half 1,000,000, 1,000,000, 2,000,000, and so on.","start":2774.605,"end":2782.75,"sentiment":"neutral","sentiment_score":-0.012677961555512055},{"text":"So there is a cap at that point just to make sure it's not going too high in those later retirement years.","start":2782.75,"end":2789.25,"sentiment":"neutral","sentiment_score":-0.02812218439595943},{"text":"Cool.","start":2790.765,"end":2791.265,"sentiment":"neutral","sentiment_score":0.23504142463207245}],"sentiment":"neutral","sentiment_score":-0.008318027256921465,"num_words":56,"start":2769.3252,"end":2791.265},{"sentences":[{"text":"That's through there.","start":2792.045,"end":2793.345,"sentiment":"neutral","sentiment_score":0.10282191416869561},{"text":"The Odoo sign document there, it's it's similar to DocuSign, but it's a little bit different.","start":2793.4849,"end":2799.905,"sentiment":"neutral","sentiment_score":0.048137511825188994},{"text":"There's a button at the end to download a signed copy.","start":2799.9648,"end":2802.93,"sentiment":"neutral","sentiment_score":0.050926863639192146},{"text":"So if you're comfortable with that, just hit that button.","start":2802.93,"end":2805.73,"sentiment":"neutral","sentiment_score":0.0795543871819973},{"text":"If you miss it and you want a copy of your signed documents, just let the team know, and we can email it through.","start":2805.73,"end":2810.95,"sentiment":"neutral","sentiment_score":0.08967143095408876}],"sentiment":"neutral","sentiment_score":0.07166436947591137,"num_words":64,"start":2792.045,"end":2810.95},{"sentences":[{"text":"Awesome, Ellie.","start":2813.41,"end":2813.97,"sentiment":"positive","sentiment_score":0.6988359689712524},{"text":"Well, I've had a fantastic evening talking to you.","start":2813.97,"end":2816.79,"sentiment":"positive","sentiment_score":0.8136863311131796},{"text":"Do you have any other questions for me before I let you go?","start":2817.25,"end":2819.745,"sentiment":"neutral","sentiment_score":0.3205010753411513},{"text":"That's alright.","start":2822.7651,"end":2823.405,"sentiment":"positive","sentiment_score":0.43547891080379486},{"text":"We'll catch you one evening for the research, and the team will book you in probably in two to three weeks' time to go through that updated portfolio and quotes.","start":2823.405,"end":2832.385,"sentiment":"positive","sentiment_score":0.4327196439107259}],"sentiment":"positive","sentiment_score":0.4774983935058117,"num_words":56,"start":2813.41,"end":2832.385},{"sentences":[{"text":"Awesome, Emily.","start":2834.69,"end":2835.3298,"sentiment":"positive","sentiment_score":0.8167217671871185},{"text":"Have a fantastic evening.","start":2835.3298,"end":2836.3699,"sentiment":"positive","sentiment_score":0.8059327006340027},{"text":"Thank you so much for your time.","start":2836.3699,"end":2837.75,"sentiment":"positive","sentiment_score":0.8207049880708966},{"text":"Bye.","start":2839.3298,"end":2839.8298,"sentiment":"positive","sentiment_score":0.4092891812324524}],"sentiment":"positive","sentiment_score":0.7865284596170697,"num_words":14,"start":2834.69,"end":2839.8298}]}}]},{"alternatives":[{"transcript":"Hi. I'm good. How are you? No. You're so fine. It's all good. I only just walked in the door from work. So I thought, oh my god. Have I missed it? Yep. I'm moving. Yep. Yeah. That's okay. Yes. That's the one. Yes. No. No. I can have a quick look at it now while we're on the phone. That's all good. Yep. Yep. Yep. Yep. Yep. No. That's fine. Nope. That's okay. It's here right now. Yes. Yes. I'm so good. Oh, I don't know, really. Honestly, I haven't really been looking at it as much as I thought I would when I initially came over. I thought I was gonna, like, look at it all the time and think about it all the time, but I don't, which is good. Yeah. Yeah. I do. I check I check it periodically, and I say, oh, okay. Well, looks like it's growing, so that's good. Yes. Oh, 100 percent. Yeah. Yeah. A 100%. No. I I totally I get all of that, so that's all good. Yep. Yep. I don't think so. No. I think I remember we touched on that very briefly. Honestly, I can't really remember the context of the conversation. I don't know if it was boiled down that maybe it wasn't necessary or maybe it was something I don't know. I can't remember. There was a reason. I don't remember now. Yep. Yeah. That's okay. Yep. Yep. Yep. Yep. Yes. It has. My partner and I actually bought a property in October, we settled, so that was awesome. Thank you. Mhmm. Probably not. Oh, possibly. Oh, No. So Alinga Street is my partner's parents place, so that would have been why I might have updated it to that one because I was in the interim there. I wasn't renting anywhere. We just went there before we settled, and now I'm in where we are full time. No. So Cream Of Crescent can probably go. Littleford Circuit, that's my dad's address, so that can probably go as well. That's fine. I don't believe so. Mhmm. Yep. So it's Unit 14 at 52 Queen Street in Southport 421 five. No. No. Not at all. I'm a Southport local now. Oh, awesome. Yeah. Awesome. Yes. I did bring that update. That's cool. Absolutely. Yep. I'm not a 100% sure what it was valued at, but I can tell you exactly what's owing if I pull up my account. So we are sitting at a wonderful negative $628,207.10. Yep. That could be about right. I have heard whispers that it sort of jumped up in the area. That could be that could be right. Oh, hold on. Yeah. Yeah. Somewhere around there. Yep. Mhmm. I am. Yes. Okay. Yep. Okay. Does that have any effect on the actual super itself in terms of, like, any transaction fees or anything? Does that, like, create anything else if it's deposited weekly as opposed to monthly? I'm just curious. Cool. Mhmm. Right. Okay. Yep. Yep. That's fine. Yep. Cool. No. Mhmm. Right. Oh, I see. Yep. I see. Yep. Yep. Yep. Mhmm. Right. I see. I'm actually not. I'm actually up in the rentals department now, and my salary has just changed to, well, supposed to be 70,000, but it works out to $69.09 $9.08 a year. Because I rarely work out because I put it into my calculator and I went, I'm stiff $2 off my 70,000, but. A 100 percent. Yeah. Yeah. So running of inspections, property management assistance, just that kind of thing. Don't know. I don't know exactly. It does depend. It depends if a full week of inspection falls into my lap or if it doesn't. So it could honestly, it could range anywhere from, like, a seventy thirty ratio to, like, a fifty fifty or, like, a 100% out on the road every day. Yeah. Yep. Yep. Yep. Yeah. Yes. I did. Yeah. I did. Yes. Yes. I have my certificate. Yep. No. No. Nothing else. No. A lot of that did get depleted without deposit. I had a pretty strong amount in my savings, but a lot of that obviously went towards the deposit, and then we did do a little bit of work in the property as well. So I got about $10 to my name right now. Yeah. I know. I know. No. I don't. So I actually discharged that outright last year sometime. I can't believe I didn't update you guys on that. That's so bad. So yes. No. I no. I said no. Yeah. No. So I'm on my car now. Yep. No. I wish. I have some coins that I've done nothing with in crypto like, I don't know, five or six years. I don't even look at it anymore. I just ignore it. It doesn't exist in my eyes. I don't have anything in shares or anything like that. It is something I would really like to get into, but it's not something that I've done yet. No. No. All wrapped up in the mortgage now. Yep. Yep. Yep. Yeah. Yeah. Definitely. Definitely interested in shares in the stock market. Eventually, my partner and I would maybe like to have this property as an investment, but that's obviously three to five years in the future. We might revisit that. We obviously might not do that. We might sell it to buy a bigger house later in the future. Not too sure, but definitely an immediate thought is to get into the stock share market. That's something that I'm very interested in. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Mhmm. Mhmm. Yep. Cool. Yep. I would be relooking at it. I don't know. I always hear the phrase the best time to invest was yesterday, so I'm happy to utilize the little cash flow that I get in at the moment. I have no issue with that at all. At the moment, I was looking at my little spreadsheet that I have. Hold on. I'll pull up and have a look. Okay. Okay. After I put any money into my savings account, I have just over a $100 left over. If I were to pull a little bit out what I was going to put into my savings account, I could bump that up to a 150 or 200. I've I have some that's going into my ING savings account at the moment, but I know that that's sort of pretty stagnant. That's only gonna grow as fast as whatever the interest rate is and stuff. So I can make whatever the amount I think would be appropriate to, like, put in and towards it is something that I would be happy to work around and do. I do get conflicted between that and then obviously putting extra money into the offset account as well. So I I I sit in a bit of a limbo there. Like, I could I could look towards putting, you know, maybe an extra $500 a month or something towards it, but then I go, oh, should I really put that into my offset? So I don't I don't really know. Yeah. Yep. Yeah. Yeah. That's right. Mhmm. Yep. Mhmm. Yep. Mhmm. Yep. Yep. Okay. Interesting. Mhmm. Correct. Yep. Yep. Yep. Okay. Yes. Yep. Yep. I did actually set up one of those. I just didn't do anything with it. I think I have, like, three on a watch list, which is, like, the BGS, the VAS, and the NDQ. Those are the ones I was looking at. Yeah. Yeah. Yep. Yep. Yep. Yep. Okay. Cool. Well, that's good to know. Yes. Wait. Mhmm. Okay. Yeah. Yeah. Okay. And that's sort of similar to be, like, where does your risk profile fit? Like, how how risky do you wanna be? That kind of thing. Hey. How often are you? Yes. I hear what you're saying. Yep. Yep. No. Yep. Yeah. For sure. Yep. Yep. Okay. No. No. All of that sounds pretty good. Yep. Awesome. Yep. Sweet. Amazing. That sounds so good. Yep. My performance report. No. I have my hub 24 open at the moment. How do we even get the performance report? Oh, it's in there. Yep. Yep. Yep. Sure. Oh, yep. Okay. Yep. I've just got it up now. Yep. Yep. Mhmm. Right. Yep. Okay. Mhmm. Yep. Yep. Oh, yes. Yes. Yes. Yes. Okay. Yep. Yep. Yep. Okay. Cool. Uh-huh. Interesting. Of course. With the fuel car, there is of course. Yep. Mhmm. Mhmm. Yes. I heard going up. Yep. Yep. Cool. Yep. Yep. Cool. Awesome. Mhmm. Yep. Yep. Mhmm. Okay. Yes. Yep. Mhmm. Yep. Yeah. Yep. Yep. I think that has something to do with Trump from memory. Yep. Mhmm. Yep. Okay. Yep. Okay. Yep. Yep. Yep. Okay. Mhmm. Yep. Yep. Yep. Mhmm. Yep. For sure. Yep. I'm I'm okay with that. Mhmm. Yep. Mhmm. Which one was that one? Was it the Better Bank one? Sorry. Oh, I've been along right at the top. Oh, yep. Okay. Yep. Yep. Yep. Yep. Yep. Okay. Yep. Mhmm. Yep. No. That's okay. I'm okay with that. Mhmm. Mhmm. Probably a higher return because I just feel like a higher return is gonna balance out the fees in the long run. Would that be fair to say? Mhmm. Yep. Mhmm. Okay. Yep. Amazing. No. Not so far. But I've been I've been actually quite impressed with it jumping up from 44 to 73 in, like, I don't know. What was it? 23 or '24 to '26. I was quite happy with that so far. So yeah. Yeah. Yeah. Mhmm. No. Because I think I think when we spoke, I spoke about that with somebody else last time. Beneficiaries, is that is that for, like, your children and stuff? Because you can't have family members on that. Is that right? Is that accurate? Yes. Yep. Yep. That's what I thought. Yep. It's okay. Yes. I did. My partner. No. He's slow. I would consider us to be de facto. He and I de facto. Seven years. Oh, baby. No. Congratulations. Yes. That's well, that that's fair enough then. We're only been together three. So you know? Yep. Oh, as an emergency contact? Yeah. That that would actually be ideal. My sister lives in Canberra. So yep. So the first name is just Reuben, r e u b e n, Healy, h e a l y. Yep. Yep. And the and phone number? Yep. So 0467376213. I'll leave it with no nomination for now. What would happen actually in the event? What would actually happen to it if that would happen tomorrow? No. I don't. Right. No. Yes. Yep. Yep. Yep. Yep. Yeah. Okay. Oh, look. We can put him down as a beneficiary. Yeah. Yeah. We can do that. Yeah. Yep. Yep. Yep. Yep. Okay. Mhmm. What what do most people do? Mhmm. Yeah. Yeah. Okay. Well, that's fair. We'll do it as a every three years review kind of thing. That's fair. Yep. Interesting. That is so weird. No. That's fine. No. I can fill that in. That's fine. Yep. Wait. Sorry. Can you repeat that last question? Yep. Mhmm. It's probably closer to building up my savings and Yep. Yep. Cool. Yep. I know that they do. Yep. All good. Yep. Mhmm. Yeah. You can. What are those what are those sort of costs look like? No. We're good. Yep. Mhmm. Yep. Okay. Fair enough. Yep. Yep. Yeah. Yep. Yeah. Okay. Yep. Yeah. That's correct. Yes. But looking to looking for a long term solution to not have to take it. No. No. It's just purely tension headaches from anxiety. That's all that is. Yep. Yep. Yep. Yes. That would be good. I am looking to quit. So that it can to be to be considered a nonsmoker after what was it? Twelve months? Yeah. Okay. Because I I am looking to do that. I've been actively looking, actually. Yep. Mhmm. Yep. Yep. Okay. That's okay. Mhmm. Yep. I would I I would say it's important, but I I don't think that that's gonna happen to me when he comes in, but I guess all people say that, don't they? Yep. Yeah. Yep. Mhmm. Yep. Mhmm. Yep. Is that is that the 2,000 a year, is it? Yep. Yep. But it's not too bad, I guess, guess, is it? Yep. Yep. Yeah. Yeah. Yep. Yep. Yep. Yep. Mhmm. Okay. Cool. Mhmm. Yeah. Yep. Right. Yep. Yeah. Okay. No. I actually don't. Not too sure. If if I was out of work, like, tomorrow two, three, four. Yeah. I could I could probably, yes, see out maybe two months just as myself personally. Obviously, I've got my partner, so it could be a little bit longer. But me just by myself right now, maybe, like, that two month mark, probably. I'd probably say the probably say the I guess the that's a tough one. Hey. That's okay. Loan or income protection? Probably loan. Mhmm. Yep. Yep. Yep. Mhmm. Yep. Okay. Yep. Okay. Sounds good. Yeah. We can have a look at that. Yep. You mean that 20 is that a percentage? That twenty, thirty, 40, like, how important it is? Yep. Oh, I don't know. Yeah. Yeah. Yep. Yeah. Maybe just a quote to see what it comes out like, because as you said, that that's an that's an out of my pocket charge, isn't it? Yep. Yep. Yeah. Okay. We could probably leave it off for now. Cool. Yep. Yep. Yep. Cool. Cool. Yeah. Yep. That's fine. No. All good. No. That's okay. Yep. That's okay. Mhmm. Yep. Yep. Yeah. No. That's fine. You said over the next fortnight. Next Friday, I am actually I finished work at 02:30. So any time next Friday from 02:30 onwards? Yes. I am. That's okay. That's fine. Other than that, any any day is fine sort of around this time. I knock off work at about 05:00 every other day, and I have a lunch break between twelve and one. So but probably after five is probably best if that's available. Okay. Cool. Yep. Sweet. Alright. Any any day over the next two weeks at around 05:30 is fine. Yep. I don't think so. Yep. Yeah. 100%. Yep. Yep. Yep. Yep. Mhmm. Yep. Awesome. No. That sounds good. No. That was everything. Thank you. I appreciate your time. Amazing. That sounds great. No worries. Same to you. Thanks, Tommy. 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I'm good. How are you? No. You're so fine.\n\nIt's all good. I only just walked in the door from work. So I thought, oh my god. Have I missed it? Yep.\n\nI'm moving. Yep. Yeah. That's okay. Yes.\n\nThat's the one. Yes. No. No. I can have a quick look at it now while we're on the phone.\n\nThat's all good. Yep. Yep. Yep. Yep.\n\nYep. No. That's fine. Nope. That's okay.\n\nIt's here right now. Yes. Yes. I'm so good. Oh, I don't know, really.\n\nHonestly, I haven't really been looking at it as much as I thought I would when I initially came over. I thought I was gonna, like, look at it all the time and think about it all the time, but I don't, which is good. Yeah. Yeah. I do.\n\nI check I check it periodically, and I say, oh, okay. Well, looks like it's growing, so that's good. Yes. Oh, 100 percent. Yeah.\n\nYeah. A 100%. No. I I totally I get all of that, so that's all good. Yep.\n\nYep. I don't think so. No. I think I remember we touched on that very briefly. Honestly, I can't really remember the context of the conversation.\n\nI don't know if it was boiled down that maybe it wasn't necessary or maybe it was something I don't know. I can't remember. There was a reason. I don't remember now. Yep.\n\nYeah. That's okay. Yep. Yep. Yep.\n\nYep. Yes. It has. My partner and I actually bought a property in October, we settled, so that was awesome. Thank you.\n\nMhmm. Probably not. Oh, possibly. Oh, No. So Alinga Street is my partner's parents place, so that would have been why I might have updated it to that one because I was in the interim there.\n\nI wasn't renting anywhere. We just went there before we settled, and now I'm in where we are full time. No. So Cream Of Crescent can probably go. Littleford Circuit, that's my dad's address, so that can probably go as well.\n\nThat's fine. I don't believe so. Mhmm. Yep. So it's Unit 14 at 52 Queen Street in Southport 421 five.\n\nNo. No. Not at all. I'm a Southport local now. Oh, awesome.\n\nYeah. Awesome. Yes. I did bring that update. That's cool.\n\nAbsolutely. Yep. I'm not a 100% sure what it was valued at, but I can tell you exactly what's owing if I pull up my account. So we are sitting at a wonderful negative $628,207.10. Yep.\n\nThat could be about right. I have heard whispers that it sort of jumped up in the area. That could be that could be right. Oh, hold on. Yeah.\n\nYeah. Somewhere around there. Yep. Mhmm. I am.\n\nYes. Okay. Yep. Okay. Does that have any effect on the actual super itself in terms of, like, any transaction fees or anything?\n\nDoes that, like, create anything else if it's deposited weekly as opposed to monthly? I'm just curious. Cool. Mhmm. Right.\n\nOkay. Yep. Yep. That's fine. Yep.\n\nCool. No. Mhmm. Right. Oh, I see.\n\nYep. I see. Yep. Yep. Yep.\n\nMhmm. Right. I see. I'm actually not. I'm actually up in the rentals department now, and my salary has just changed to, well, supposed to be 70,000, but it works out to $69.09 $9.08 a year.\n\nBecause I rarely work out because I put it into my calculator and I went, I'm stiff $2 off my 70,000, but. A 100 percent. Yeah. Yeah. So running of inspections, property management assistance, just that kind of thing.\n\nDon't know. I don't know exactly. It does depend. It depends if a full week of inspection falls into my lap or if it doesn't. So it could honestly, it could range anywhere from, like, a seventy thirty ratio to, like, a fifty fifty or, like, a 100% out on the road every day.\n\nYeah. Yep. Yep. Yep. Yeah.\n\nYes. I did. Yeah. I did. Yes.\n\nYes. I have my certificate. Yep. No. No.\n\nNothing else. No. A lot of that did get depleted without deposit. I had a pretty strong amount in my savings, but a lot of that obviously went towards the deposit, and then we did do a little bit of work in the property as well. So I got about $10 to my name right now.\n\nYeah. I know. I know. No. I don't.\n\nSo I actually discharged that outright last year sometime. I can't believe I didn't update you guys on that. That's so bad. So yes. No.\n\nI no. I said no. Yeah. No. So I'm on my car now.\n\nYep. No. I wish. I have some coins that I've done nothing with in crypto like, I don't know, five or six years. I don't even look at it anymore.\n\nI just ignore it. It doesn't exist in my eyes. I don't have anything in shares or anything like that. It is something I would really like to get into, but it's not something that I've done yet. No.\n\nNo. All wrapped up in the mortgage now. Yep. Yep. Yep.\n\nYeah. Yeah. Definitely. Definitely interested in shares in the stock market. Eventually, my partner and I would maybe like to have this property as an investment, but that's obviously three to five years in the future.\n\nWe might revisit that. We obviously might not do that. We might sell it to buy a bigger house later in the future. Not too sure, but definitely an immediate thought is to get into the stock share market. That's something that I'm very interested in.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yep. Mhmm. Mhmm. Yep.\n\nCool. Yep. I would be relooking at it. I don't know. I always hear the phrase the best time to invest was yesterday, so I'm happy to utilize the little cash flow that I get in at the moment.\n\nI have no issue with that at all. At the moment, I was looking at my little spreadsheet that I have. Hold on. I'll pull up and have a look. Okay.\n\nOkay. After I put any money into my savings account, I have just over a $100 left over. If I were to pull a little bit out what I was going to put into my savings account, I could bump that up to a 150 or 200. I've I have some that's going into my ING savings account at the moment, but I know that that's sort of pretty stagnant. That's only gonna grow as fast as whatever the interest rate is and stuff.\n\nSo I can make whatever the amount I think would be appropriate to, like, put in and towards it is something that I would be happy to work around and do. I do get conflicted between that and then obviously putting extra money into the offset account as well. So I I I sit in a bit of a limbo there. Like, I could I could look towards putting, you know, maybe an extra $500 a month or something towards it, but then I go, oh, should I really put that into my offset? So I don't I don't really know.\n\nYeah. Yep. Yeah. Yeah. That's right.\n\nMhmm. Yep. Mhmm. Yep. Mhmm.\n\nYep. Yep. Okay. Interesting. Mhmm.\n\nCorrect. Yep. Yep. Yep. Okay.\n\nYes. Yep. Yep. I did actually set up one of those. I just didn't do anything with it.\n\nI think I have, like, three on a watch list, which is, like, the BGS, the VAS, and the NDQ. Those are the ones I was looking at. Yeah. Yeah. Yep.\n\nYep. Yep. Yep. Okay. Cool.\n\nWell, that's good to know. Yes. Wait. Mhmm. Okay.\n\nYeah. Yeah. Okay. And that's sort of similar to be, like, where does your risk profile fit? Like, how how risky do you wanna be?\n\nThat kind of thing. Hey. How often are you? Yes. I hear what you're saying.\n\nYep. Yep. No. Yep. Yeah.\n\nFor sure. Yep. Yep. Okay. No.\n\nNo. All of that sounds pretty good. Yep. Awesome. Yep.\n\nSweet. Amazing. That sounds so good. Yep. My performance report.\n\nNo. I have my hub 24 open at the moment. How do we even get the performance report? Oh, it's in there. Yep.\n\nYep. Yep. Sure. Oh, yep. Okay.\n\nYep. I've just got it up now. Yep. Yep. Mhmm.\n\nRight. Yep. Okay. Mhmm. Yep.\n\nYep. Oh, yes. Yes. Yes. Yes.\n\nOkay. Yep. Yep. Yep. Okay.\n\nCool. Uh-huh. Interesting. Of course. With the fuel car, there is of course.\n\nYep. Mhmm. Mhmm. Yes. I heard going up.\n\nYep. Yep. Cool. Yep. Yep.\n\nCool. Awesome. Mhmm. Yep. Yep.\n\nMhmm. Okay. Yes. Yep. Mhmm.\n\nYep. Yeah. Yep. Yep. I think that has something to do with Trump from memory.\n\nYep. Mhmm. Yep. Okay. Yep.\n\nOkay. Yep. Yep. Yep. Okay.\n\nMhmm. Yep. Yep. Yep. Mhmm.\n\nYep. For sure. Yep. I'm I'm okay with that. Mhmm.\n\nYep. Mhmm. Which one was that one? Was it the Better Bank one? Sorry.\n\nOh, I've been along right at the top. Oh, yep. Okay. Yep. Yep.\n\nYep. Yep. Yep. Okay. Yep.\n\nMhmm. Yep. No. That's okay. I'm okay with that.\n\nMhmm. Mhmm. Probably a higher return because I just feel like a higher return is gonna balance out the fees in the long run. Would that be fair to say? Mhmm.\n\nYep. Mhmm. Okay. Yep. Amazing.\n\nNo. Not so far. But I've been I've been actually quite impressed with it jumping up from 44 to 73 in, like, I don't know. What was it? 23 or '24 to '26.\n\nI was quite happy with that so far. So yeah. Yeah. Yeah. Mhmm.\n\nNo. Because I think I think when we spoke, I spoke about that with somebody else last time. Beneficiaries, is that is that for, like, your children and stuff? Because you can't have family members on that. Is that right?\n\nIs that accurate? Yes. Yep. Yep. That's what I thought.\n\nYep. It's okay. Yes. I did. My partner.\n\nNo. He's slow. I would consider us to be de facto. He and I de facto. Seven years.\n\nOh, baby. No. Congratulations. Yes. That's well, that that's fair enough then.\n\nWe're only been together three. So you know? Yep. Oh, as an emergency contact? Yeah.\n\nThat that would actually be ideal. My sister lives in Canberra. So yep. So the first name is just Reuben, r e u b e n, Healy, h e a l y. Yep.\n\nYep. And the and phone number? Yep. So 0467376213. I'll leave it with no nomination for now.\n\nWhat would happen actually in the event? What would actually happen to it if that would happen tomorrow? No. I don't. Right.\n\nNo. Yes. Yep. Yep. Yep.\n\nYep. Yeah. Okay. Oh, look. We can put him down as a beneficiary.\n\nYeah. Yeah. We can do that. Yeah. Yep.\n\nYep. Yep. Yep. Okay. Mhmm.\n\nWhat what do most people do? Mhmm. Yeah. Yeah. Okay.\n\nWell, that's fair. We'll do it as a every three years review kind of thing. That's fair. Yep. Interesting.\n\nThat is so weird. No. That's fine. No. I can fill that in.\n\nThat's fine. Yep. Wait. Sorry. Can you repeat that last question?\n\nYep. Mhmm. It's probably closer to building up my savings and Yep. Yep. Cool.\n\nYep. I know that they do. Yep. All good. Yep.\n\nMhmm. Yeah. You can. What are those what are those sort of costs look like? No.\n\nWe're good. Yep. Mhmm. Yep. Okay.\n\nFair enough. Yep. Yep. Yeah. Yep.\n\nYeah. Okay. Yep. Yeah. That's correct.\n\nYes. But looking to looking for a long term solution to not have to take it. No. No. It's just purely tension headaches from anxiety.\n\nThat's all that is. Yep. Yep. Yep. Yes.\n\nThat would be good. I am looking to quit. So that it can to be to be considered a nonsmoker after what was it? Twelve months? Yeah.\n\nOkay. Because I I am looking to do that. I've been actively looking, actually. Yep. Mhmm.\n\nYep. Yep. Okay. That's okay. Mhmm.\n\nYep. I would I I would say it's important, but I I don't think that that's gonna happen to me when he comes in, but I guess all people say that, don't they? Yep. Yeah. Yep.\n\nMhmm. Yep. Mhmm. Yep. Is that is that the 2,000 a year, is it?\n\nYep. Yep. But it's not too bad, I guess, guess, is it? Yep. Yep.\n\nYeah. Yeah. Yep. Yep. Yep.\n\nYep. Mhmm. Okay. Cool. Mhmm.\n\nYeah. Yep. Right. Yep. Yeah.\n\nOkay. No. I actually don't. Not too sure. If if I was out of work, like, tomorrow two, three, four.\n\nYeah. I could I could probably, yes, see out maybe two months just as myself personally. Obviously, I've got my partner, so it could be a little bit longer. But me just by myself right now, maybe, like, that two month mark, probably. I'd probably say the probably say the I guess the that's a tough one.\n\nHey. That's okay. Loan or income protection? Probably loan. Mhmm.\n\nYep. Yep. Yep. Mhmm. Yep.\n\nOkay. Yep. Okay. Sounds good. Yeah.\n\nWe can have a look at that. Yep. You mean that 20 is that a percentage? That twenty, thirty, 40, like, how important it is? Yep.\n\nOh, I don't know. Yeah. Yeah. Yep. Yeah.\n\nMaybe just a quote to see what it comes out like, because as you said, that that's an that's an out of my pocket charge, isn't it? Yep. Yep. Yeah. Okay.\n\nWe could probably leave it off for now. Cool. Yep. Yep. Yep.\n\nCool. Cool. Yeah. Yep. That's fine.\n\nNo. All good. No. That's okay. Yep.\n\nThat's okay. Mhmm. Yep. Yep. Yeah.\n\nNo. That's fine. You said over the next fortnight. Next Friday, I am actually I finished work at 02:30. So any time next Friday from 02:30 onwards?\n\nYes. I am. That's okay. That's fine. Other than that, any any day is fine sort of around this time.\n\nI knock off work at about 05:00 every other day, and I have a lunch break between twelve and one. So but probably after five is probably best if that's available. Okay. Cool. Yep.\n\nSweet. Alright. Any any day over the next two weeks at around 05:30 is fine. Yep. I don't think so.\n\nYep. Yeah. 100%. Yep. Yep.\n\nYep. Yep. Mhmm. Yep. Awesome.\n\nNo. That sounds good. No. That was everything. Thank you.\n\nI appreciate your time. Amazing. That sounds great. No worries. Same to you.\n\nThanks, Tommy. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":5.6,"end":5.8399997,"sentiment":"neutral","sentiment_score":0.27135205268859863},{"text":"I'm good.","start":5.8399997,"end":6.24,"sentiment":"positive","sentiment_score":0.3567824512720108},{"text":"How are you?","start":6.24,"end":7.14,"sentiment":"neutral","sentiment_score":0.31065695484479267},{"text":"No.","start":11.44,"end":11.92,"sentiment":"neutral","sentiment_score":-0.050987694412469864},{"text":"You're so fine.","start":11.92,"end":12.985001,"sentiment":"neutral","sentiment_score":0.10170840720335643}],"sentiment":"neutral","sentiment_score":0.21710253469645976,"num_words":10,"start":5.6,"end":12.985001},{"sentences":[{"text":"It's all good.","start":12.985001,"end":13.785,"sentiment":"positive","sentiment_score":0.35567012429237366},{"text":"I only just walked in the door from work.","start":13.785,"end":15.225,"sentiment":"neutral","sentiment_score":-0.028979820509751637},{"text":"So I thought, oh my god.","start":15.225,"end":15.865,"sentiment":"neutral","sentiment_score":-0.09399064568181832},{"text":"Have I missed it?","start":15.865,"end":16.845001,"sentiment":"neutral","sentiment_score":-0.07042820006608963},{"text":"Yep.","start":23.225,"end":23.725,"sentiment":"neutral","sentiment_score":0.09899494051933289}],"sentiment":"neutral","sentiment_score":0.002588271932757419,"num_words":23,"start":12.985001,"end":23.725},{"sentences":[{"text":"I'm moving.","start":27.064999,"end":27.805,"sentiment":"neutral","sentiment_score":0.07878728583455086},{"text":"Yep.","start":36.309998,"end":36.809998,"sentiment":"neutral","sentiment_score":0.03316560760140419},{"text":"Yeah.","start":42.885,"end":43.204998,"sentiment":"neutral","sentiment_score":0.06442995369434357},{"text":"That's 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really.","start":119.670006,"end":120.87,"sentiment":"neutral","sentiment_score":-0.053209534659981725}],"sentiment":"neutral","sentiment_score":0.20723400677421264,"num_words":14,"start":99.045,"end":120.87},{"sentences":[{"text":"Honestly, I haven't really been looking at it as much as I thought I would when I initially came over.","start":120.87,"end":125.83,"sentiment":"neutral","sentiment_score":-0.1403268514201045},{"text":"I thought I was gonna, like, look at it all the time and think about it all the time, but I don't, which is good.","start":125.83,"end":133.20549,"sentiment":"neutral","sentiment_score":-0.03727855555713177},{"text":"Yeah.","start":133.20549,"end":133.5483,"sentiment":"neutral","sentiment_score":0.07479781657457352},{"text":"Yeah.","start":133.5483,"end":133.8911,"sentiment":"neutral","sentiment_score":0.11916954815387726},{"text":"I 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towards the deposit, and then we did do a little bit of work in the property as well.","start":658.89996,"end":665.85504,"sentiment":"neutral","sentiment_score":-0.01920670205179383},{"text":"So I got about $10 to my name right now.","start":666.875,"end":670.09503,"sentiment":"neutral","sentiment_score":0.13892808929085732}],"sentiment":"neutral","sentiment_score":-0.02905013445498688,"num_words":56,"start":638.165,"end":670.09503},{"sentences":[{"text":"Yeah.","start":672.47504,"end":672.875,"sentiment":"positive","sentiment_score":0.3403781056404114},{"text":"I know.","start":672.875,"end":673.455,"sentiment":"neutral","sentiment_score":0.19063102453947067},{"text":"I know.","start":677.29,"end":677.87,"sentiment":"neutral","sentiment_score":0.1011262983083725},{"text":"No.","start":685.37,"end":685.61,"sentiment":"neutral","sentiment_score":-0.15950845181941986},{"text":"I 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some that's going into my ING savings account at the moment, but I know that that's sort of pretty stagnant.","start":923.93,"end":929.93,"sentiment":"neutral","sentiment_score":-0.09411803681565367},{"text":"That's only gonna grow as fast as whatever the interest rate is and stuff.","start":929.93,"end":933.70996,"sentiment":"negative","sentiment_score":-0.35368725444589344}],"sentiment":"neutral","sentiment_score":-0.02623685094572249,"num_words":84,"start":910.29504,"end":933.70996},{"sentences":[{"text":"So I can make whatever the amount I think would be appropriate to, like, put in and towards it is something that I would be happy to work around and do.","start":934.64996,"end":943.285,"sentiment":"neutral","sentiment_score":0.11081568271883073},{"text":"I do get conflicted between that and then obviously putting extra money into the offset account as well.","start":944.865,"end":949.525,"sentiment":"neutral","sentiment_score":-0.2732552546593878},{"text":"So I I I sit in a bit of 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worries.","start":2837.605,"end":2838.085,"sentiment":"neutral","sentiment_score":0.3326696753501892},{"text":"Same to you.","start":2838.085,"end":2838.645,"sentiment":"positive","sentiment_score":0.4644910395145416}],"sentiment":"positive","sentiment_score":0.6269873357736148,"num_words":13,"start":2821.23,"end":2838.645},{"sentences":[{"text":"Thanks, Tommy.","start":2838.645,"end":2839.385,"sentiment":"positive","sentiment_score":0.6019620895385742},{"text":"Bye.","start":2839.925,"end":2840.425,"sentiment":"neutral","sentiment_score":-0.09889159351587296}],"sentiment":"positive","sentiment_score":0.3683441951870918,"num_words":3,"start":2838.645,"end":2840.425}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Good afternoon, Emily. It's Tommy here, senior adviser from Oakview. How are you doing?\n\nChannel 1: Hi. I'm good. How are you?\n\nChannel 0: I'm doing fantastic. Thank you so much for calling in. I was just running back from the bathroom. I do\n\nChannel 1: No.\n\nChannel 0: apologize.\n\nChannel 1: You're so fine. It's all good. I only just walked in the door from work. So I thought, oh my god. Have I missed it?\n\nChannel 0: No. No. Perfectly fine. I'll normally do, like, a call, voice message, and a text. We can always catch each other, and I've\n\nChannel 1: Yep.\n\nChannel 0: locked out plenty of time as well. So glad to catch you just as you get home.\n\nChannel 1: I'm moving.\n\nChannel 0: What I'm gonna do today is I'm gonna shoot you through an annual review pack through our new system that we've just switched to over Christmas time.\n\nChannel 1: Yep.\n\nChannel 0: It may come through to your spam box or your main inbox for the first one just to get through the filtering, if that's okay.\n\nChannel 1: Yeah. That's okay.\n\nChannel 0: Now just to double check your Gmail address, Emilyjwalkedin@Gmail.com. That's still okay?\n\nChannel 1: Yes. That's the one.\n\nChannel 0: Perfect. So I'll pop this through to you now. Will you be able to look on to this email with me today, or should I just\n\nChannel 1: Yes.\n\nChannel 0: explain what's there?\n\nChannel 1: No. No. I can have a quick look at it now while we're on the phone. That's all good.\n\nChannel 0: Fantastic. So it's gonna include some attachments like a normal PDF attachments for an email. It's gonna\n\nChannel 1: Yep.\n\nChannel 0: have your Hub twenty four performance, updated financial services guide with us, license\n\nChannel 1: Yep.\n\nChannel 0: details, complaints procedure, what we can and can't give advice on. I'm\n\nChannel 1: Yep.\n\nChannel 0: gonna shoot that through to you now. There will also be a link to your service agreement. So\n\nChannel 1: Yep.\n\nChannel 0: if after this review, you're still happy with our services, your service agreement does expire with us in four days. So\n\nChannel 1: Yep.\n\nChannel 0: I just wanted to shoot that through as well.\n\nChannel 1: No. That's fine.\n\nChannel 0: So that should come through. It's usually pretty instant. I've only had two cases where it took a few minutes, so let me know if\n\nChannel 1: Nope.\n\nChannel 0: that pops\n\nChannel 1: That's okay.\n\nChannel 0: through\n\nChannel 1: It's\n\nChannel 0: okay.\n\nChannel 1: here right now.\n\nChannel 0: Amazing. Now before I jump into it, I do wanna double check some of your details as\n\nChannel 1: Yes.\n\nChannel 0: well just with the cross reference of the system because there was, like, three addresses I saw. I wanted\n\nChannel 1: Yes.\n\nChannel 0: to make sure that's all good.\n\nChannel 1: I'm so good.\n\nChannel 0: Is there anything in particular you would like to get out of this year's review?\n\nChannel 1: Oh, I don't know, really. Honestly, I haven't really been looking at it as much as I thought I would when I initially came over. I thought I was gonna, like, look at it all the time and think about it all the time,\n\nChannel 0: That's nice.\n\nChannel 1: but I\n\nChannel 0: It\n\nChannel 1: don't,\n\nChannel 0: almost sounds\n\nChannel 1: which\n\nChannel 0: like\n\nChannel 1: is\n\nChannel 0: you got\n\nChannel 1: good.\n\nChannel 0: a bit\n\nChannel 1: Yeah.\n\nChannel 0: of peace\n\nChannel 1: Yeah.\n\nChannel 0: of mind,\n\nChannel 1: I\n\nChannel 0: perhaps.\n\nChannel 1: do. I check I check it periodically, and I say, oh, okay. Well, looks like it's growing, so that's good.\n\nChannel 0: Yeah. Absolutely. So the the old spot check is fantastic. It's always good not to close your eyes for ten years and wake up and go, oh, no. It's wrong.\n\nChannel 1: Yes.\n\nChannel 0: Just try not to panic yourself too much because everyone that I've seen that checks it daily, anytime the news pops up, Trump's\n\nChannel 1: Oh,\n\nChannel 0: done this,\n\nChannel 1: 100\n\nChannel 0: Iran's done that. You go, oh, my\n\nChannel 1: percent.\n\nChannel 0: super has gone down $3,000. What am\n\nChannel 1: Yeah.\n\nChannel 0: I doing? And it's just it can be a bit of a panic.\n\nChannel 1: Yeah. A 100%. No. I I totally I get all of that, so that's all good.\n\nChannel 0: Cool. So today, we'll just go through a bit of an update on how it's going if we need\n\nChannel 1: Yep.\n\nChannel 0: to make any updates and changes to your investments.\n\nChannel 1: Yep.\n\nChannel 0: I'm going to double check the estate side of things. And I don't believe you have any insurances whatsoever.\n\nChannel 1: I\n\nChannel 0: So\n\nChannel 1: don't\n\nChannel 0: I\n\nChannel 1: think so. No. I think I remember we touched on that very briefly. Honestly, I can't really remember the context of the conversation. I don't know if it was boiled down that maybe it wasn't necessary or maybe it was something I don't know.\n\nI can't remember. There was a reason.\n\nChannel 0: No.\n\nChannel 1: I don't remember now.\n\nChannel 0: That is okay. So I'm just gonna briefly touch on it today, but let's go through some of these details.\n\nChannel 1: Yep.\n\nChannel 0: Do you mind if I just go through what we have on file?\n\nChannel 1: Yeah. That's okay.\n\nChannel 0: So we have the main goal for you is a nice and early retirement more towards age 60, which is when you can access your super, not\n\nChannel 1: Yep.\n\nChannel 0: pushing it out to age pension age of 67. Does that\n\nChannel 1: Yep.\n\nChannel 0: sound about right?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. You did have some sort of short, medium, long term goals about building a family over time, just updating the super at that time and then the early retirement, bit of financial freedom there,\n\nChannel 1: Yep.\n\nChannel 0: and also purchasing property. Now\n\nChannel 1: Yes.\n\nChannel 0: I am looking at some older information, but has any of that changed goals wise?\n\nChannel 1: It has. My partner and I actually bought a property in October, we settled, so that was awesome.\n\nChannel 0: Oh, congratulations.\n\nChannel 1: Thank you.\n\nChannel 0: Okay. So just so I can cross reference everything, is that the address that we have on file and okay to just do security with you before?\n\nChannel 1: Mhmm. Probably not. Oh,\n\nChannel 0: So\n\nChannel 1: possibly.\n\nChannel 0: it's not Olinga Street.\n\nChannel 1: Oh, No. So Alinga Street is my partner's parents place, so that would have been why I might have updated it to that one because I was in the interim there. I wasn't renting anywhere. We just went there before we settled, and now I'm in where we are full time.\n\nChannel 0: Perfect. And that is not Dreamer Crescent or Littleford Circuit?\n\nChannel 1: No. So Cream Of Crescent can probably go. Littleford Circuit, that's my dad's address, so that can\n\nChannel 0: Yep.\n\nChannel 1: probably go as well. That's fine.\n\nChannel 0: Perfect. Did Caden get your new address?\n\nChannel 1: I don't believe so.\n\nChannel 0: Okay. Could I grab that now, and I'll\n\nChannel 1: Mhmm.\n\nChannel 0: update that on all files? So\n\nChannel 1: Yep.\n\nChannel 0: we've got number and street,\n\nChannel 1: So it's Unit 14\n\nChannel 0: unit fourteen,\n\nChannel 1: at 52\n\nChannel 0: fifty two\n\nChannel 1: Queen Street\n\nChannel 0: Queen Street\n\nChannel 1: in Southport 421\n\nChannel 0: in Southport.\n\nChannel 1: five.\n\nChannel 0: Oh, you're not far at all.\n\nChannel 1: No. No. Not at all. I'm a Southport local now.\n\nChannel 0: Fantastic. Well, if you ever wanna pop by for review in office or anything like that, the team would love to get you a coffee and hang out for a little bit if you ever\n\nChannel 1: Oh, awesome.\n\nChannel 0: had the information to pop in.\n\nChannel 1: Yeah. Awesome.\n\nChannel 0: The new office is fantastic. We've got art pieces everywhere. Everything is in oak view, tree themed rooms, all that\n\nChannel 1: Yes.\n\nChannel 0: kind of\n\nChannel 1: I\n\nChannel 0: thing.\n\nChannel 1: did bring that update. That's cool.\n\nChannel 0: We got fancy coffee machines if you're that way inclined as well.\n\nChannel 1: Absolutely.\n\nChannel 0: So I'm gonna just quickly do a little look. Unit 14 at 52 Queen Street, Southport.\n\nChannel 1: Yep.\n\nChannel 0: Now do you know off the top of your head how much it was valued at and how much you have owing on that?\n\nChannel 1: I'm not a 100% sure what it was valued at, but I can tell you exactly what's owing if I pull up my account. So we are sitting at a wonderful negative $628,207.10.\n\nChannel 0: Fantastic. That's that's gonna be a fun one to knock down over time.\n\nChannel 1: Yep.\n\nChannel 0: Not the worst I've seen for first homes, but pretty good. Pretty good. The the oldproperty.com.au has it averaging at about 775,000. Does that sound about right?\n\nChannel 1: That could be about right. I have heard whispers that it sort of jumped up in the area. That could be that could be right.\n\nChannel 0: Yep. Or it could be close to 800,000 kind of thing. So somewhere\n\nChannel 1: Oh, hold\n\nChannel 0: between\n\nChannel 1: on.\n\nChannel 0: $7.75, 800, do you think?\n\nChannel 1: Yeah. Yeah. Somewhere around there.\n\nChannel 0: Perfect. Alright. So we've got a significant change in terms of a mortgage now. So that's\n\nChannel 1: Yep.\n\nChannel 0: definitely a bit of a difference.\n\nChannel 1: Mhmm.\n\nChannel 0: Are you you're still working for Hilsey. Right?\n\nChannel 1: I am. Yes.\n\nChannel 0: Cool. So contributions are still coming in monthly there. That's great. They have just changed the legislation for that to come in with the pay. So\n\nChannel 1: Okay.\n\nChannel 0: if\n\nChannel 1: Yep.\n\nChannel 0: you're paid weekly, once we get to July, your contributions will be coming in weekly as well.\n\nChannel 1: Okay. Does that have any effect on the actual super itself in terms of, like, any transaction fees or anything? Does that, like, create anything else if it's deposited weekly as opposed to monthly? I'm just\n\nChannel 0: So\n\nChannel 1: curious.\n\nChannel 0: it has purely a fantastic effect.\n\nChannel 1: Cool.\n\nChannel 0: Fantastic question too. The negative would be is if we were doing more transactions per month,\n\nChannel 1: Mhmm.\n\nChannel 0: you may get brokerage fees to purchase the investments that we've recommended\n\nChannel 1: Right.\n\nChannel 0: for you because\n\nChannel 1: Okay.\n\nChannel 0: they're EPS.\n\nChannel 1: Yep. Yep. That's fine.\n\nChannel 0: Now what tends to happen, though, is that they do, like, some rebalancing every month with Hub, but your contributions get to go in there weekly. So, basically, it does two things, investing quicker and investing longer, so more\n\nChannel 1: Yep.\n\nChannel 0: compounding returns. And, also, have you ever heard of dollar cost averaging before?\n\nChannel 1: Cool. No.\n\nChannel 0: Cool. So think of it like this. If you have a graph that's zigzagging up and down like the stock market does, if you put in one contribution for a year and the stock market tumbles, your super just tumbles with it. But\n\nChannel 1: Mhmm.\n\nChannel 0: if\n\nChannel 1: Right.\n\nChannel 0: you put it in gradually weekly throughout the year, you get to smooth out that entry point. So it smooths\n\nChannel 1: Oh, I\n\nChannel 0: out\n\nChannel 1: see.\n\nChannel 0: the fluctuations.\n\nChannel 1: Yep. I see. Yep. Yep. Yep.\n\nMhmm.\n\nChannel 0: So if you ever told me I have $200,000 to invest, Tommy, I would probably spread it out over a period of time and not just whack it all into some shares on one day.\n\nChannel 1: Right. I see.\n\nChannel 0: Okay? So that is fantastic. With work, are you still a sales agent earning around about 52? I'm assuming they've bumped you up a bit.\n\nChannel 1: I'm actually not. I'm actually up in the rentals department now, and my salary has just changed to, well, supposed to be 70,000, but it works out to $69.09 $9.08 a year.\n\nChannel 0: $9.09 8. I'm gonna put the exact in because that's brilliant. We don't often get the exact. So when I get one, I'll take it.\n\nChannel 1: Because I rarely work out because I put it into my calculator and I went, I'm stiff $2 off my 70,000, but.\n\nChannel 0: Look. Good luck negotiating the $2 pay rise per year. I reckon I reckon you'd have all kinds of arguments for it. I\n\nChannel 1: A\n\nChannel 0: reckon\n\nChannel 1: 100\n\nChannel 0: you'll get\n\nChannel 1: percent.\n\nChannel 0: it. So rentals department, you guys obviously bounce between office and inspections through the\n\nChannel 1: Yeah. Yeah. So running of inspections, property management assistance, just that kind of thing.\n\nChannel 0: Yep. Do you have a bit of a percentage split between how much you would be on the road versus in office?\n\nChannel 1: Don't know. I don't know exactly. It does depend. It depends if a full week of inspection falls into my lap or if it doesn't. So it could honestly, it could range anywhere from, like, a seventy thirty ratio to, like, a fifty fifty or, like, a 100% out on the road every day.\n\nChannel 0: Yeah. Anywhere anywhere between 50 to a 100 for the week.\n\nChannel 1: Yeah.\n\nChannel 0: You you'd be full time, of course, about thirty\n\nChannel 1: Yep.\n\nChannel 0: eight hours, usual\n\nChannel 1: Yep.\n\nChannel 0: thing.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Do we have you did have you did have a diploma in fashion textiles and\n\nChannel 1: Yeah.\n\nChannel 0: marketing.\n\nChannel 1: Yes. I did. Yeah. I did.\n\nChannel 0: You've got your on top of that, you'd have your lighting license, I'm assuming.\n\nChannel 1: Yes. Yes. I have my certificate. Yep.\n\nChannel 0: Yep. And do you have anything else like bachelor's degrees, anything like that, like postgraduate, anything to add\n\nChannel 1: No.\n\nChannel 0: on top?\n\nChannel 1: No. Nothing else.\n\nChannel 0: No. That's perfect. Alright. So that's all updated. Do you have anything else in the way of assets and liabilities?\n\nDo you guys have significant savings there sitting in offset or a rainy day fund, or has that all kind of been depleted?\n\nChannel 1: No. A lot of that did get depleted without deposit. I had a pretty strong amount in my savings, but a lot of that obviously went towards the deposit, and then we did do a little bit of work in the property as well.\n\nChannel 0: Yep.\n\nChannel 1: So I got about $10 to my name right now.\n\nChannel 0: Hey. That's pretty good in this day and\n\nChannel 1: Yeah.\n\nChannel 0: age. There's\n\nChannel 1: I know.\n\nChannel 0: people running around paycheck to paycheck, so 10 grand's pretty good.\n\nChannel 1: I know.\n\nChannel 0: We had a motor vehicle at about $20,000 where you were owing just under 10. Do you still have a vehicle loan?\n\nChannel 1: No. I don't. So I actually discharged that outright last year sometime. I can't believe I didn't update you guys on that. That's so bad.\n\nSo\n\nChannel 0: No. That's\n\nChannel 1: yes. No.\n\nChannel 0: not the biggest\n\nChannel 1: I\n\nChannel 0: thing for us. It's like, we're not gonna tell you to sell your car to put into your super or anything like that. It's\n\nChannel 1: no.\n\nChannel 0: just\n\nChannel 1: I said\n\nChannel 0: to get\n\nChannel 1: no.\n\nChannel 0: a good snapshot.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: No. So I'm on my car now.\n\nChannel 0: same car, no debt.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Anything else in terms of shares, crypto, million dollars under the mattress?\n\nChannel 1: No. I wish. I have some coins that I've done nothing with in crypto like, I don't know, five or six years. I don't even look at it anymore. I just ignore it.\n\nIt\n\nChannel 0: Yep.\n\nChannel 1: doesn't exist in my eyes.\n\nChannel 0: It doesn't exist.\n\nChannel 1: I don't have anything in shares or anything like that. It is something I would really like to get into, but it's\n\nChannel 0: Mhmm.\n\nChannel 1: not something that I've done yet.\n\nChannel 0: Okay. So what about loans and liabilities, personal loans, anything like that, or is it all\n\nChannel 1: No.\n\nChannel 0: just wrapped up in the mortgage now?\n\nChannel 1: No. All wrapped up in the mortgage now.\n\nChannel 0: Cool. So because we still have many, many years until retirement,\n\nChannel 1: Yep.\n\nChannel 0: you've got\n\nChannel 1: Yep.\n\nChannel 0: a nice big new mortgage, which is always nice to adjust to, interest rates going up and budgeting changes and things like that. Do you want to revisit personal investment at some point over the next three to five years to try and get something growing alongside it, whether that\n\nChannel 1: Yep.\n\nChannel 0: be property shares, managed funds? What are you thinking?\n\nChannel 1: Yeah. Yeah. Definitely. Definitely interested in shares in the stock market. Eventually, my partner and I would maybe like to have this property as an investment, but that's obviously three to five years in the future.\n\nWe might revisit\n\nChannel 0: Yep.\n\nChannel 1: that. We obviously might not do that. We might sell it to buy a bigger house later in the future. Not too sure, but definitely an immediate thought is to get into the stock share market. That's something that I'm very interested in.\n\nChannel 0: Perfect. So one of the things that we do pretty heavily and because it's been a couple of years for you now in our financial services guide or Oakview services guide, we have this lovely little tree diagram called the wealth cycle,\n\nChannel 1: Yep.\n\nChannel 0: and it talks through it's an analogy talking about setting your roots and building a trunk and branching out and seedlings and all this kind of thing. What\n\nChannel 1: Yep.\n\nChannel 0: it really comes down to is moving through life stages.\n\nChannel 1: Yep.\n\nChannel 0: So we'd originally reviewed your super, getting that growing faster.\n\nChannel 1: Yep.\n\nChannel 0: Next stage after\n\nChannel 1: Yep.\n\nChannel 0: that, you've gotten the house. Then we can slowly branch into investment properties, debt management strategies to pay it off quicker,\n\nChannel 1: Yep.\n\nChannel 0: personal investments, all that kind of thing. So\n\nChannel 1: Yep.\n\nChannel 0: we slowly move through them. Once you've got that, let's say you upgrade to the next home, rent out your current one, you then have two big assets,\n\nChannel 1: Mhmm.\n\nChannel 0: which you can start to use to invest from. Or if you prefer, you can invest with your own savings and cash flow\n\nChannel 1: Mhmm.\n\nChannel 0: rather than just borrowing all the time to get more investments and more assets.\n\nChannel 1: Yep.\n\nChannel 0: We can kind of guide you through either direction. It\n\nChannel 1: Cool.\n\nChannel 0: just depends on time frames. Do you wanna\n\nChannel 1: Yep.\n\nChannel 0: look at it once you've paid down the mortgage to a certain amount? Do you wanna look at it once you've built up, say, 50,000 in savings? When would be a good time to revisit it kind of thing?\n\nChannel 1: I would be relooking at it. I don't know. I always hear the phrase the best time to invest was yesterday, so I'm happy to utilize the little cash flow that I get in at the moment. I have no issue with that at all.\n\nChannel 0: Amazing. So when it comes to cash flow, you've got this current position. How much can you set aside as surplus cash flow at the moment?\n\nChannel 1: At the moment, I was looking at my little spreadsheet that I have. Hold on. I'll pull up and have a look. Okay. Okay.\n\nAfter I put any money into my savings account, I have just over a $100 left over. If I were to pull a little bit out what I was going to put into my savings account, I could bump that up to a 150 or 200. I've I have some that's going into my ING savings account at the moment,\n\nChannel 0: Yeah.\n\nChannel 1: but I know that that's sort of pretty stagnant. That's only gonna grow as fast as whatever the interest rate is and stuff. So I can make whatever the amount I think would be appropriate to, like, put in and towards it is something that I would be happy to work around and do. I do get conflicted between that and then obviously putting extra money into the offset account as well.\n\nChannel 0: Yeah.\n\nChannel 1: So I I I sit in a bit of a limbo there. Like, I could I could look towards putting, you know, maybe an extra $500 a month or something towards it, but then I go, oh, should I really put that into my offset? So I don't I don't really know.\n\nChannel 0: Yeah. Well, there's nothing bad about pulling cash into an offset account because, of course, it's liquid,\n\nChannel 1: Yeah.\n\nChannel 0: and then you can pull it on to purchase a car. If something happens, you can then invest it later. So\n\nChannel 1: Yep.\n\nChannel 0: piling cash in there is only ever beneficial.\n\nChannel 1: Yeah. Yeah. That's right.\n\nChannel 0: So when it comes to the landscape of investing, the the quick and dirty of it, I would say, is you've got a hub twenty four super fund.\n\nChannel 1: Mhmm.\n\nChannel 0: They're kind of like the Ferrari Rolls Royce of super platforms because they\n\nChannel 1: Yep.\n\nChannel 0: have the most investment options, but\n\nChannel 1: Mhmm.\n\nChannel 0: that makes them a little bit more expensive.\n\nChannel 1: Yep.\n\nChannel 0: So if you were to jump in and, for example, they do offer personal investment accounts\n\nChannel 1: Mhmm.\n\nChannel 0: alongside your super, you can actually have your super and an investment identical, mirroring each other side by side on the one login.\n\nChannel 1: Yep.\n\nChannel 0: That is something that we do a lot of where people will put in, for example, $50,000 into that, and we can invest it identically to the super and some really high growth assets, or\n\nChannel 1: Yep.\n\nChannel 0: we can make it conservative. We can pick and choose and build the portfolio. We can make\n\nChannel 1: Okay.\n\nChannel 0: it safe. We can make it medium risk. We can make it high risk.\n\nChannel 1: Interesting.\n\nChannel 0: The problem that you get is because it's a $180 flat fee per year plus percentage based fees is you don't wanna put in, for example, like, $10, and then it gets eaten away by fees and the returns don't take\n\nChannel 1: Mhmm.\n\nChannel 0: it anywhere.\n\nChannel 1: Correct. Yep.\n\nChannel 0: Once you have the account open, you only really need to put in, say, 50 a week to dip your toe in the water\n\nChannel 1: Yep.\n\nChannel 0: and start that rolling because it's like $200 a month is kind of like a minimum investment amount.\n\nChannel 1: Yep.\n\nChannel 0: Now below that, you've obviously gotten crypto before. You can easily set up, for example, like a Comsec trading account\n\nChannel 1: Okay.\n\nChannel 0: or a Navtrade account. And if you wanted to buy some shares or ETFs or something like that, you could jump into that. And the only cost is the brokerage, which is, like, $18.50 or something like that.\n\nChannel 1: Yes. Yep. Yep. I did actually set up one of those. I just didn't do anything with it.\n\nI think I have, like, three on a watch list, which is, like, the BGS, the VAS, and the NDQ.\n\nChannel 0: Yes.\n\nChannel 1: Those\n\nChannel 0: So\n\nChannel 1: are the ones\n\nChannel 0: what\n\nChannel 1: I was\n\nChannel 0: I would\n\nChannel 1: looking\n\nChannel 0: be\n\nChannel 1: at.\n\nChannel 0: saying, I would not be giving you, like, a full advice piece on doing a little bit of investing in your brokerage account because\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: any fees I would charge you wouldn't be any point if you can literally go on there and pick a Vanguard high growth fund or pick a few different investments and and let it go for a while.\n\nChannel 1: Yep. Yep.\n\nChannel 0: But if we do get to a point where we wanna use a platform, whether it's Hub twenty four or someone a bit more affordable because there's\n\nChannel 1: Yep.\n\nChannel 0: options everywhere,\n\nChannel 1: Yep.\n\nChannel 0: we can definitely look out, okay, do we start with $10.20, or 50? And, again, that 200 a month is kind of a a good starting point.\n\nChannel 1: Okay. Cool. Well, that's good to know.\n\nChannel 0: Cool?\n\nChannel 1: Yes. Wait.\n\nChannel 0: When we get to that point, we'll also do a separate risk profile. So what we would kinda do is say your super is invested this way because it's for retirement. But if\n\nChannel 1: Mhmm.\n\nChannel 0: you're wanting to invest personally and you're gonna access it in three, five, ten years, whatever it is, we need to invest you slightly differently.\n\nChannel 1: Okay.\n\nChannel 0: So we would actually go through a whole questionnaire again\n\nChannel 1: Yeah.\n\nChannel 0: and split the way we're investing into two different portfolios.\n\nChannel 1: Yeah. Okay. And that's sort of similar to be, like, where does your risk profile fit? Like, how how risky do you wanna be? That kind of thing.\n\nHey. How often are you? Yes. I hear what you're saying.\n\nChannel 0: Yep. And that's really because if you can't touch your super for thirty years, well, go for it. Go for growth. Go for as much as you want to try and build up to a million dollars. And then when you get close to retirement, you can then protect it.\n\nChannel 1: Yep.\n\nChannel 0: So you can build it for thirty years, and then when you're in your late fifties, you can slowly start making it safer. Because, of course, you don't wanna be high risk at the age of 64,\n\nChannel 1: Yep.\n\nChannel 0: and\n\nChannel 1: No.\n\nChannel 0: then the stock market wipes out half of your super before you access it.\n\nChannel 1: Yep. Yeah. For sure.\n\nChannel 0: Whereas completely different ballpark when it comes to personal, some people are investing. So when their kids are 18, they've got a house deposit. Some people wanna do it for an early retirement in their fifties. Other\n\nChannel 1: Yep.\n\nChannel 0: people just wanna grow it faster than the mortgage.\n\nChannel 1: Yep. Okay.\n\nChannel 0: K. Any sort of questions on that? Any thoughts or ideas?\n\nChannel 1: No. No. All of that sounds pretty good.\n\nChannel 0: Cool. So that will be something where I'm gonna put that down as the goals\n\nChannel 1: Yep.\n\nChannel 0: for Yeah.\n\nChannel 1: Awesome.\n\nChannel 0: The mortgage, future investment, and every year, we're gonna slowly touch on it. And\n\nChannel 1: Yep.\n\nChannel 0: when it comes time to do it, we'll jump in together.\n\nChannel 1: Sweet. Amazing. That sounds so good.\n\nChannel 0: Cool. Cool. Speaking about your hub portfolio while we're on the subject, I'll go through that report with you. Do you have open your hub twenty four performance report by any chance?\n\nChannel 1: Yep. My performance report. No. I have my hub 24 open at the moment. How do we even get the performance\n\nChannel 0: So\n\nChannel 1: report?\n\nChannel 0: that email I sent you, I\n\nChannel 1: Oh,\n\nChannel 0: extracted\n\nChannel 1: it's\n\nChannel 0: one\n\nChannel 1: in\n\nChannel 0: of those.\n\nChannel 1: there. Yep.\n\nChannel 0: Your\n\nChannel 1: Yep.\n\nChannel 0: login is different than an adviser's login, so you've got less reports to look at than we\n\nChannel 1: Yep.\n\nChannel 0: do. So that's why we always pop one of these out\n\nChannel 1: Sure.\n\nChannel 0: for you.\n\nChannel 1: Oh, yep. Okay. Yep. I've just got it up now.\n\nChannel 0: Now can you see a nice big blue table with a smattering of figures and codes?\n\nChannel 1: Yep.\n\nChannel 0: Okay. So\n\nChannel 1: Yep.\n\nChannel 0: how you interpret this one, left hand side is all your investments, and\n\nChannel 1: Mhmm.\n\nChannel 0: the very, very far right is the percentage return of those investments.\n\nChannel 1: Right.\n\nChannel 0: And the next page, it has\n\nChannel 1: Yep.\n\nChannel 0: a single line for your overall portfolio.\n\nChannel 1: Okay.\n\nChannel 0: So my figures will be slightly different to yours because I've just generated them before the\n\nChannel 1: Mhmm.\n\nChannel 0: call.\n\nChannel 1: Yep.\n\nChannel 0: On the left hand side, you've got your Bennelong Australian shares. That\n\nChannel 1: Yep.\n\nChannel 0: one, can you see how it's in brackets on the right hand side? So the percent is in, like, a little bracket symbols.\n\nChannel 1: Oh, yes. Yes. Yes. Yes.\n\nChannel 0: Yep. So that one's actually going down for the year.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Now all the other ones I can see there underneath it, your bank hybrids, that's like your safe investments that aim for the three to 5%. That's fine. Cybersecurity,\n\nChannel 1: Yep.\n\nChannel 0: funnily enough, went down a little bit even though it's such a big thing with AI these days.\n\nChannel 1: Yep.\n\nChannel 0: Everything else is looking really, really strong. Your\n\nChannel 1: Okay.\n\nChannel 0: Australian\n\nChannel 1: Cool.\n\nChannel 0: shares underneath that, 24%. You had a huge benefit from the electric vehicle search. Your\n\nChannel 1: Uh-huh. Interesting. Of\n\nChannel 0: battery\n\nChannel 1: course.\n\nChannel 0: tech\n\nChannel 1: With the\n\nChannel 0: and\n\nChannel 1: fuel\n\nChannel 0: lithium,\n\nChannel 1: car, there\n\nChannel 0: a\n\nChannel 1: is\n\nChannel 0: 100 and\n\nChannel 1: of course.\n\nChannel 0: 14%.\n\nChannel 1: Yep.\n\nChannel 0: So that's been massive. Your\n\nChannel 1: Mhmm.\n\nChannel 0: gold allocation went up almost 27%,\n\nChannel 1: Mhmm. Yes. I heard going up. Yep.\n\nChannel 0: and then your American shares another 17%, and property went up a little bit too.\n\nChannel 1: Yep. Cool.\n\nChannel 0: So overall, everything's had huge growth. After fees, 14.3 14.35 return as of today.\n\nChannel 1: Yep. Yep.\n\nChannel 0: We're aiming for a long term average of double digits. So anything above 10, we're on track.\n\nChannel 1: Cool. Awesome.\n\nChannel 0: Now with your risk level, because you're in that high growth, you\n\nChannel 1: Mhmm.\n\nChannel 0: have 90% in growth assets, shares,\n\nChannel 1: Yep.\n\nChannel 0: property, high risk, high return, and that's obviously for the high long term growth. When\n\nChannel 1: Yep.\n\nChannel 0: you get close to retirement, in that last seven to ten years, we will gradually reduce you down eighty, seventy, sixty, fifty, 40, and\n\nChannel 1: Mhmm.\n\nChannel 0: that's your pension account, your conservative pension account to live off.\n\nChannel 1: Okay.\n\nChannel 0: So as long as you're okay with it being that kind of roller coaster in between, value wise, I think you came on with about 44,000.\n\nChannel 1: Yes.\n\nChannel 0: You're sitting at $73.04 50.\n\nChannel 1: Yep.\n\nChannel 0: Quick idea about volatility just so I can make sure you're comfortable.\n\nChannel 1: Mhmm.\n\nChannel 0: You went from 73 down to 68\n\nChannel 1: Yep.\n\nChannel 0: and then back up to 73 all in\n\nChannel 1: Yeah.\n\nChannel 0: the span of a month.\n\nChannel 1: Yep. Yep. I think that has\n\nChannel 0: So\n\nChannel 1: something to do with Trump from memory.\n\nChannel 0: Yeah. So $5 up and down in a single month is very normal for high growth.\n\nChannel 1: Yep.\n\nChannel 0: What it basically comes out to be like is, let's say, your your contribution's at 70,000. You're getting around about 8,000 into your super.\n\nChannel 1: Mhmm.\n\nChannel 0: 10% return on a $70 balance is 7,000. So\n\nChannel 1: Yep.\n\nChannel 0: you're almost at a point where your returns are gonna be equaling your contributions.\n\nChannel 1: Okay.\n\nChannel 0: But once you go above that and you've got 200,000, 500,000, now we start getting returns of twenty, thirty, forty, fifty\n\nChannel 1: Yep.\n\nChannel 0: up and down in a single year.\n\nChannel 1: Okay.\n\nChannel 0: So it takes a little while to get going, but once\n\nChannel 1: Yep.\n\nChannel 0: it does, the compounding just takes off. And\n\nChannel 1: Yep.\n\nChannel 0: then in those last fifteen years, you go from 400 to a million, and then you've got to try and protect it.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Now everything that you've pretty much got is these low fee ETFs. So\n\nChannel 1: Mhmm.\n\nChannel 0: they follow those different sectors and countries and assets very closely, and they're\n\nChannel 1: Yep.\n\nChannel 0: very low fee, very good long term returns, but they just follow what's going on in the world.\n\nChannel 1: Yep.\n\nChannel 0: So you have to be comfortable with that dollar cost averaging I was talking about. Your\n\nChannel 1: Yep.\n\nChannel 0: contributions go in. They're buying very regularly.\n\nChannel 1: Mhmm.\n\nChannel 0: If the market dips, we just use it as a buying opportunity.\n\nChannel 1: Yep. For sure.\n\nChannel 0: So you're okay with that?\n\nChannel 1: Yep. I'm I'm okay with that.\n\nChannel 0: Perfect. I think the only thing that I would do is that one Australian shares option that's in the negative. That\n\nChannel 1: Mhmm.\n\nChannel 0: actually shouldn't be in the negative. Most\n\nChannel 1: Yep.\n\nChannel 0: Australian share funds are positive two or 3%, not\n\nChannel 1: Mhmm.\n\nChannel 0: down nine.\n\nChannel 1: Which\n\nChannel 0: And\n\nChannel 1: one\n\nChannel 0: the\n\nChannel 1: was\n\nChannel 0: Australian\n\nChannel 1: that one? Was it the Better Bank one? Sorry.\n\nChannel 0: been along at the top.\n\nChannel 1: Oh, I've been along right at the top. Oh, yep. Okay. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Yep. Yep.\n\nChannel 0: So, normally, if you have one out of eight options underperforming, I would put a flag on it and say, let's watch it.\n\nChannel 1: Yep.\n\nChannel 0: But I'm quite familiar with this fund, and we've been talking as an entire company in a licensed group, and we don't think it's going to pop back.\n\nChannel 1: Yep. Okay. Yep.\n\nChannel 0: So just to optimize things, I know it's been returning well. I would like to get you a switch out of that one option and\n\nChannel 1: Mhmm.\n\nChannel 0: basically keep most of the rest of it the same.\n\nChannel 1: Yep. No. That's okay. I'm okay with that.\n\nChannel 0: Cool. Now I do have one question for you because you get\n\nChannel 1: Mhmm.\n\nChannel 0: to pick style of investment. I've got\n\nChannel 1: Mhmm.\n\nChannel 0: many alternatives for you. If you had to pick between lowest fees or pay more and try and get a higher return, which way does your gut feeling lean towards?\n\nChannel 1: Probably a higher return because I just feel like a higher return is gonna balance out the fees in the long run. Would that be fair to say?\n\nChannel 0: Yeah. Absolutely. And I don't have too much of a personal preference in it because I\n\nChannel 1: Mhmm.\n\nChannel 0: can pick the best low fee, the best high fee options available. We do have a couple on menu that we've been looking at. So\n\nChannel 1: Yep.\n\nChannel 0: if you're okay for that, I will do a little bit of research and a comparison and update\n\nChannel 1: Mhmm.\n\nChannel 0: your statement of advice document, and\n\nChannel 1: Okay.\n\nChannel 0: I'll run you through it before we change anything.\n\nChannel 1: Yep. Amazing.\n\nChannel 0: Perfect. Alright. Any other questions on the super so far?\n\nChannel 1: No. Not so far. But I've been I've been actually quite impressed with it jumping up from 44 to 73 in, like, I don't know. What was it? 23 or '24 to '26.\n\nI was quite happy with that so far.\n\nChannel 0: Yeah. That's awesome. I mean, I think it\n\nChannel 1: So\n\nChannel 0: came in it's rolled in in November '23. So, yeah, it's\n\nChannel 1: yeah.\n\nChannel 0: kind of coming close to that two and a half year mark.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Now when it comes to the admin side,\n\nChannel 1: Mhmm.\n\nChannel 0: we don't have your beneficiary nomination on your hub account, so who it goes to if you were\n\nChannel 1: No.\n\nChannel 0: to pass\n\nChannel 1: Because\n\nChannel 0: away.\n\nChannel 1: I think I think when we spoke, I spoke about that with somebody else last time. Beneficiaries, is that is that for, like, your children and stuff? Because you can't have family members on that. Is that right? Is that accurate?\n\nChannel 0: Well, you generally, a valid nominee would be someone who's financially dependent. So\n\nChannel 1: Yes.\n\nChannel 0: spouse, child, someone who lives with you that you look after,\n\nChannel 1: Yep.\n\nChannel 0: not really brother, sister, grandparents, that kind of thing.\n\nChannel 1: Yep. That's what I thought. Yep.\n\nChannel 0: Now can I just quickly check? And I do apologize.\n\nChannel 1: It's okay.\n\nChannel 0: Did you say that you bought a house with somebody?\n\nChannel 1: Yes. I did. My partner.\n\nChannel 0: I was I was just staring at your original fact find where you were single at the time, and I was like, hang on. I I swear are you guys engaged or married or de facto?\n\nChannel 1: No. He's slow. I would consider us to be de facto. He and I de facto.\n\nChannel 0: He's slow. Look. I was seven years slow too, but they get there eventually.\n\nChannel 1: Seven years.\n\nChannel 0: Hey. We've been together\n\nChannel 1: Oh,\n\nChannel 0: for twelve coming on 13. We've got our third child\n\nChannel 1: baby.\n\nChannel 0: on the way in June, so\n\nChannel 1: No.\n\nChannel 0: I got there\n\nChannel 1: Congratulations.\n\nChannel 0: eventually. Thanks.\n\nChannel 1: Yes. That's well, that that's fair enough then. We're only been together three. So you know?\n\nChannel 0: Perfect. So I'll put him as de facto.\n\nChannel 1: Yep.\n\nChannel 0: Do you want him to be listed as your next of kin in place of Heidi, like emergency contact for us.\n\nChannel 1: Oh, as an emergency contact? Yeah. That that would actually be ideal. My sister lives in Canberra. So\n\nChannel 0: Perfect. Can I please take down his full name and phone number by any chance?\n\nChannel 1: yep. So the first name is just Reuben, r e u b e\n\nChannel 0: Yep.\n\nChannel 1: n, Healy, h e a l y.\n\nChannel 0: Alright. Ruben Healy, e u b e n. Healy,\n\nChannel 1: Yep.\n\nChannel 0: h e a l y.\n\nChannel 1: Yep.\n\nChannel 0: And\n\nChannel 1: And the\n\nChannel 0: phone number.\n\nChannel 1: and phone number?\n\nChannel 0: Yep. Go for it.\n\nChannel 1: Yep. So 0467376213.\n\nChannel 0: Zero four six seven three seven six 213. Perfect. Do you want Ruben nominated to receive your super if you pass away? Do you wanna kind of leave it with no nomination? What are you thinking?\n\nChannel 1: I'll leave it with no nomination for now. What would happen actually in the event? What would actually happen to it if that would happen tomorrow?\n\nChannel 0: Well, let me ask you this. Do you have a will in place at the moment?\n\nChannel 1: No. I don't.\n\nChannel 0: No. So most everything of yours will go to, like, public trustee. People\n\nChannel 1: Right.\n\nChannel 0: will pop their hand up. I'm sister. I'm spouse, whatever it\n\nChannel 1: No.\n\nChannel 0: is.\n\nChannel 1: Yes.\n\nChannel 0: And the\n\nChannel 1: Yep.\n\nChannel 0: government will have to try and figure that out between the super, the house ownership. I guess the rule of survivorship probably go to your spouse\n\nChannel 1: Yep.\n\nChannel 0: house wise, so that's\n\nChannel 1: Yep.\n\nChannel 0: okay. But\n\nChannel 1: Yep.\n\nChannel 0: your shoes, your bank account, that kind of thing.\n\nChannel 1: Yeah. Okay. Oh, look. We can put him down as a beneficiary.\n\nChannel 0: Are you sure? You don't have to.\n\nChannel 1: Yeah. Yeah. We can do that.\n\nChannel 0: Oh, cool. Make sure to tell him that you're thinking in that way, and then hopefully that urges him along a little bit quicker.\n\nChannel 1: Yeah.\n\nChannel 0: So you do have we'll send out some forms. You do have to, like, wet sign them ink pen because\n\nChannel 1: Yep.\n\nChannel 0: it's a legal document, get them witnessed.\n\nChannel 1: Yep.\n\nChannel 0: We've got a lot lovely little instruction letter over the top so you\n\nChannel 1: Yep.\n\nChannel 0: can't miss it. You\n\nChannel 1: Yep.\n\nChannel 0: do get to choose between whether you want the nomination to lapse or be continuous. So it\n\nChannel 1: Okay.\n\nChannel 0: can expire every three years, or it\n\nChannel 1: Mhmm.\n\nChannel 0: can just continue on until you change it. Do you have a preference between the two?\n\nChannel 1: What what do most people do?\n\nChannel 0: Well, usually, I've got someone whose marriage is like, just put it continuous so I don't have to think about it. And other people, it's like, you know what? If I have to review it every three years, that's nice because my life's gonna change.\n\nChannel 1: Mhmm.\n\nChannel 0: Really no\n\nChannel 1: Yeah.\n\nChannel 0: wrong answer there.\n\nChannel 1: Yeah. Okay. Well, that's fair. We'll do it as a every three years review kind of thing. That's fair.\n\nChannel 0: Yep. Lapsing. And\n\nChannel 1: Yep.\n\nChannel 0: this is a bit of a silly question, but you do have the option to make it legally binding or nonlegally binding, which means the super fund has discretion.\n\nChannel 1: Interesting.\n\nChannel 0: I don't know why anyone would choose nonbinding. I think some industry super funds have people nominating dogs and brothers, and anything can be a nonbinding nomination because it's like, hey. It may work. It may not.\n\nChannel 1: That\n\nChannel 0: But\n\nChannel 1: is\n\nChannel 0: generally\n\nChannel 1: so weird.\n\nChannel 0: speaking, legally binding is the way to go. Alright.\n\nChannel 1: No. That's\n\nChannel 0: I'll make a note for him. Do you want us to prefill any of his details on the form, or are you okay to fill that\n\nChannel 1: fine.\n\nChannel 0: in?\n\nChannel 1: No. I can fill that in. That's fine.\n\nChannel 0: Cool. I'll send that through to you. Now when it comes to cash flow, the last question I did have for you on that before the last topic\n\nChannel 1: Yep.\n\nChannel 0: is contributions. Do you wanna look at any salary sacrifice because you did just get a big mortgage in October? So cash flow priorities between debt, savings, super, and investing, how would you rank those four?\n\nChannel 1: Wait. Sorry. Can you repeat that last question?\n\nChannel 0: So in terms of putting extra contributions into your super,\n\nChannel 1: Yep.\n\nChannel 0: the old salary sacrifice tax deduction there,\n\nChannel 1: Mhmm.\n\nChannel 0: what I'm really thinking here is what are your cash flow priorities? Is it build up the savings, pay off the mortgage, do some personal investment, or is it bumping up your super?\n\nChannel 1: It's probably closer to building up my savings and\n\nChannel 0: Cool. Savings and investing first. And, look, there's plenty of things you can do for super down the line. If you're earning decent amount and in high growth, it tends to take care of itself. If you need to do $50 of salary sacrifice in your late forties, that's possible.\n\nChannel 1: Yep.\n\nChannel 0: You\n\nChannel 1: Yep.\n\nChannel 0: can do transition strategies, heaps of things. So\n\nChannel 1: Cool.\n\nChannel 0: I'll put your priorities down as savings and investing for the time being\n\nChannel 1: Yep.\n\nChannel 0: just so we're not constantly asking you, would you like to put extra money in your super, which\n\nChannel 1: I know that\n\nChannel 0: if we've\n\nChannel 1: they\n\nChannel 0: got some investing\n\nChannel 1: do.\n\nChannel 0: to do, no\n\nChannel 1: Yep.\n\nChannel 0: point\n\nChannel 1: All\n\nChannel 0: walking away\n\nChannel 1: good.\n\nChannel 0: until 60.\n\nChannel 1: Yep.\n\nChannel 0: Cool. Alright. So savings investing is there. When it comes to your insurance situation,\n\nChannel 1: Mhmm.\n\nChannel 0: that one was a little bit tricky. I was just having a look at it there. Did you want me to get any kind of quotes for, like, life insurance to pay off the mortgage or something like that?\n\nChannel 1: Yeah. You can. What are those what are those sort of costs look like?\n\nChannel 0: So that's what I'm trying to kind of I'm just getting a bit of a mental picture here. So you're currently low oh, hang on. My brain's gone. $20.25, $19.95, 30. Sorry.\n\nJust turned 30.\n\nChannel 1: No. We're good.\n\nChannel 0: 30 is the sweet spot for pricing.\n\nChannel 1: Yep.\n\nChannel 0: That's not just me saying that because I don't like selling insurance. But generally speaking, I did an analysis in 2014 when I entered the industry, and '29 and '30 is the cheapest year. For\n\nChannel 1: Mhmm.\n\nChannel 0: some\n\nChannel 1: Yep.\n\nChannel 0: reason, an 18 year old is more risky, and everyone after 30 has health problems. So\n\nChannel 1: Okay. Fair enough.\n\nChannel 0: so the logic makes sense, but it was interesting to find. Now because you're in real estate, pretty well office based, I think rental side of things isn't too much of a risk on the occupation ratings, so that's okay.\n\nChannel 1: Yep.\n\nChannel 0: Possibly just like white collar, which is nice and cheap.\n\nChannel 1: Yep.\n\nChannel 0: We did have you listed down as a smoker, smoker or vapor or something like that.\n\nChannel 1: Yeah.\n\nChannel 0: So that doubles the price,\n\nChannel 1: Yep.\n\nChannel 0: which is painful.\n\nChannel 1: Yeah.\n\nChannel 0: If you're ever twelve months nicotine free, they'd class you as a nonsmoker,\n\nChannel 1: Okay.\n\nChannel 0: and that chops down quite a bit.\n\nChannel 1: Yep.\n\nChannel 0: You did have, just in terms of previous health concerns, medication for headaches back\n\nChannel 1: Yeah.\n\nChannel 0: many\n\nChannel 1: That's\n\nChannel 0: years ago. Still doing that.\n\nChannel 1: correct. Yes. But looking to looking for a long term solution to not have to take it.\n\nChannel 0: Yeah. Absolutely. Now is there any other like, is there an underlying condition there that's been diagnosed or anything like that?\n\nChannel 1: No. No. It's just purely tension headaches from\n\nChannel 0: Yep.\n\nChannel 1: anxiety. That's all that is.\n\nChannel 0: Awesome. So when it comes to insurance side of things, I can get quotes. I can just keep it at that mortgage level for, say, life insurance disability cover. So you\n\nChannel 1: Yep.\n\nChannel 0: pass away, never work again, mortgage is paid off for your partner,\n\nChannel 1: Yep.\n\nChannel 0: future family, and so on. Is\n\nChannel 1: Yep.\n\nChannel 0: that something you want me to kind of do some research on and see what it looks like?\n\nChannel 1: Yes. That would be good. I am looking to quit. So that it can to be to be considered a nonsmoker after what was it? Twelve months?\n\nYeah. Okay. Because I I am looking to do that.\n\nChannel 0: Yes.\n\nChannel 1: I've been actively\n\nChannel 0: So\n\nChannel 1: looking,\n\nChannel 0: let's say the prices are too expensive at the moment.\n\nChannel 1: actually. Yep.\n\nChannel 0: We call you up in a year's time and we do a review, and you said,\n\nChannel 1: Mhmm.\n\nChannel 0: yep. After our conversation, I quit smoking straight away,\n\nChannel 1: Yep.\n\nChannel 0: then we can do some quotes as a nonsmoker's rates at the next review too.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Perfect. What about I have to run through all four of them. I do apologize.\n\nChannel 1: That's okay.\n\nChannel 0: Life and TPD, that's your life insurance disability.\n\nChannel 1: Mhmm.\n\nChannel 0: There is income protection as well, which is income replacement if you're out of work for more than, say, a month\n\nChannel 1: Yep.\n\nChannel 0: to replace 70% of your income so you can keep the mortgage going. Is that important for you guys too? I'm led by you on that one.\n\nChannel 1: I would I I would say it's important, but I I don't think that that's gonna happen to me when he comes in, but I guess all people say that, don't they?\n\nChannel 0: Yeah. It's one of those annoying ones where income protection is the most expensive but the most claimed on because everyone's got something that pops up whether off work for three months, six\n\nChannel 1: Yep.\n\nChannel 0: months, whatever\n\nChannel 1: Yeah.\n\nChannel 0: it is.\n\nChannel 1: Yep.\n\nChannel 0: I tend to it's purely up to you, but I tend to have a bit of a flag point on pricing where if it goes above 30% of your contributions, it starts to really eat at your super and slow down the growth.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: So for example, I could basically say you're on $69.09 $9.08. 12% of that is 8,400, and 30% of that is 2,500. So, potentially, if total premiums for three insurance policies under 2 grands, I\n\nChannel 1: Mhmm.\n\nChannel 0: would possibly recommend it.\n\nChannel 1: Yep.\n\nChannel 0: Thoughts on that?\n\nChannel 1: Is that is that the 2,000 a year, is it?\n\nChannel 0: Yes. So let's say\n\nChannel 1: Yep.\n\nChannel 0: it was a 2,000 premium. You get, like, a 15% rebate off of\n\nChannel 1: Yep.\n\nChannel 0: that, drops\n\nChannel 1: But\n\nChannel 0: it to about $18.50.\n\nChannel 1: it's not too bad, I guess, guess, is it?\n\nChannel 0: Yeah. Realistically, I I like to see people in our age group under 1,500 in total.\n\nChannel 1: Yep. Yep.\n\nChannel 0: If the smokers rates are gonna push you up closer to 2,000, potentially.\n\nChannel 1: Yeah. Yeah. Yep.\n\nChannel 0: If I do the quotes and it's 3,000, I'm not even gonna consider\n\nChannel 1: Yep.\n\nChannel 0: it.\n\nChannel 1: Yep. Yep.\n\nChannel 0: K? So what I'll do is I'll put together that update for the investment switch,\n\nChannel 1: Mhmm.\n\nChannel 0: and then I'll get you some life TPD and income protection quotes as well. I'm gonna recommend all of it, and then you can just write into the document what you would like to go ahead with or not.\n\nChannel 1: Okay. Cool.\n\nChannel 0: Cool. You do get to choose between a waiting period and a benefit period. So\n\nChannel 1: Mhmm.\n\nChannel 0: thirty days is standard. You're out of work for a month. You can go push it out to sixty days or ninety days to make it more affordable if you can\n\nChannel 1: Yeah.\n\nChannel 0: last two months, three months on savings and partner's income.\n\nChannel 1: Yep.\n\nChannel 0: The other side is benefit period. They can pay you monthly for two years, five years, or age 65 all the way through to basically retirement.\n\nChannel 1: Right.\n\nChannel 0: I can guarantee right now if I did thirty days age 65, which is the big one, with smokers' rates, we're we're talking 3 and a half thousand.\n\nChannel 1: Yep. Yeah. Okay.\n\nChannel 0: So do you have any idea about how long you could go without your income for?\n\nChannel 1: No. I actually don't. Not too sure. If if I was out of work, like, tomorrow two, three, four. Yeah.\n\nI could I could probably, yes, see out maybe two months just as myself personally. Obviously, I've got my partner, so it could be a little bit longer. But me just by myself right\n\nChannel 0: Yep.\n\nChannel 1: now, maybe, like, that two month mark, probably.\n\nChannel 0: Okay. So what I will do is would you say it's more important to make sure that mortgage is covered off for, like, the life insurance disability, or is the income protection more important for you?\n\nChannel 1: I'd probably say the probably say the I guess the that's a tough one. Hey.\n\nChannel 0: I know. I'm so sorry to bombard you with all the tough questions.\n\nChannel 1: That's okay. Loan or income protection? Probably\n\nChannel 0: Okay. Perfect. So what I'm gonna do is I'm\n\nChannel 1: loan.\n\nChannel 0: gonna start with the life and disability covering the mortgage. That'll\n\nChannel 1: Mhmm.\n\nChannel 0: be the baseline cover.\n\nChannel 1: Yep.\n\nChannel 0: Then I'm gonna try and work income protection on top.\n\nChannel 1: Yep.\n\nChannel 0: And if thirty days, age 65 pushes that to $4,000, I'm gonna start trimming it down.\n\nChannel 1: Yep.\n\nChannel 0: I will leave it as a maximum of sixty days,\n\nChannel 1: Mhmm.\n\nChannel 0: and I'll just work back the benefit period from a sixty five, five years, two years until\n\nChannel 1: Yep.\n\nChannel 0: I get to an affordable amount or chop it.\n\nChannel 1: Okay. Yep. Okay.\n\nChannel 0: Cool.\n\nChannel 1: Sounds good.\n\nChannel 0: Did you want any quotes for trauma insurance, which is heart attack, stroke, and cancer? You can only pay for it out of pocket.\n\nChannel 1: Yeah. We can have a look at that.\n\nChannel 0: K. So what I'll do, I'll do a standard 100,000 for, like, medical expenses. Your partner can take some time off if you ever have a heart attack or get cancer.\n\nChannel 1: Yep.\n\nChannel 0: And I just need from you maybe some affordability in terms of a monthly amount. Would 20 a month, $30.40 a month be the maximum, a 100 a month? Like, how important is that, that life event?\n\nChannel 1: You mean that 20 is that a percentage? That twenty, thirty, 40, like, how important it is?\n\nChannel 0: More so dollars per month because I can kind of work out what the premium is gonna look like. I'm gonna find the most affordable provider. I'll do a comparison across all insurers, find the most affordable. But\n\nChannel 1: Yep.\n\nChannel 0: how much can you actually afford to pay out of a direct debit potentially for that?\n\nChannel 1: Oh, I don't know.\n\nChannel 0: And this is the fun thing is because you've got that $152,100 dollars a week of surplus cash flow, there's so many things it goes for.\n\nChannel 1: Yeah.\n\nChannel 0: Savings, mortgage, investment, super insurances. You can spend your money on everything. It's about priorities.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Did you want me to leave it for now? Just do a quote to see what it comes out like.\n\nChannel 1: Yeah. Maybe just a quote to see what it comes out like, because as you said, that that's an that's an out of my pocket charge, isn't it?\n\nChannel 0: Correct. Life\n\nChannel 1: Yep.\n\nChannel 0: keeping in income protection can be through your super. Trauma can only be out of pocket because it can't actually be released from super if you claim on it.\n\nChannel 1: Yep. Yeah. Okay. We could probably leave it off for now.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: Cool.\n\nChannel 0: So I'll just go live TPD income protection and and\n\nChannel 1: Yep.\n\nChannel 0: investment switch\n\nChannel 1: Yep.\n\nChannel 0: and some future investment discussions.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now take a take a breath. That's\n\nChannel 1: Cool.\n\nChannel 0: pretty much it. We've gone through everything it is possible to\n\nChannel 1: Cool.\n\nChannel 0: go through except self\n\nChannel 1: Yeah.\n\nChannel 0: managed super funds, and I'm not talking about that tonight. That's for sure.\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Any questions so far on your end?\n\nChannel 1: No. All good.\n\nChannel 0: Awesome, Emily. So this will take me a couple of weeks to do some research, quotes, all that kind of thing.\n\nChannel 1: No. That's\n\nChannel 0: I don't wanna go through, like, a full\n\nChannel 1: okay.\n\nChannel 0: medical questionnaire with you tonight because it could take us half an hour and\n\nChannel 1: Yep.\n\nChannel 0: don't wanna take up your whole night.\n\nChannel 1: That's okay.\n\nChannel 0: Just for underwriting purposes, would it be okay for me to get the team to walk through some medical and occupation questions with you over the next fortnight? What we tend to do with it is anonymously preassess with insurers and say,\n\nChannel 1: Mhmm.\n\nChannel 0: hey. Based on the headaches, anxiety, and so on, is there gonna be a loading where they bump the price up? Is there gonna\n\nChannel 1: Yep.\n\nChannel 0: be an exclusion on a health condition? And\n\nChannel 1: Yep.\n\nChannel 0: we just try and make sure we pick the one that's gonna get you the best outcome.\n\nChannel 1: Yeah. No. That's fine.\n\nChannel 0: Perfect. Is there a good day or time I can book that in with you?\n\nChannel 1: You said over the next fortnight. Next Friday, I am actually I finished work at 02:30. So any time next Friday from 02:30 onwards?\n\nChannel 0: Perfect. And you're in Queensland.\n\nChannel 1: Yes. I am.\n\nChannel 0: Dang. That is the one time where we are shutting the office at 02:30 because we've got a whole bunch of millennials that do four day work weeks and 07:00 finishes so they can finish early on a Friday.\n\nChannel 1: That's okay. That's fine. Other than that, any any day is fine sort of around this time. I knock off work at about 05:00 every other day, and I have a lunch break between twelve and one. So but probably after five is probably best if that's\n\nChannel 0: Yeah.\n\nChannel 1: available.\n\nChannel 0: Perfect. Like, we've got everyone going till 07:00 most nights, so So\n\nChannel 1: Okay.\n\nChannel 0: there will\n\nChannel 1: Cool.\n\nChannel 0: always be someone that can touch base with you just for twenty minutes, run through the questions, and then we'll go off and do the research.\n\nChannel 1: Yep. Sweet. Alright. Any any day over the next two weeks at around 05:30 is fine.\n\nChannel 0: Alright. 05:30 onwards any day.\n\nChannel 1: Yep.\n\nChannel 0: Awesome. Now is there any other last questions before I let you go?\n\nChannel 1: I don't think so.\n\nChannel 0: Cool. That email, like I said, it does have your service agreement there too.\n\nChannel 1: Yep.\n\nChannel 0: Are you still comfortable for us to look after your super for the next twelve months?\n\nChannel 1: Yeah. 100%.\n\nChannel 0: Cool. The fees haven't changed. They're still 1.65%.\n\nChannel 1: Yep.\n\nChannel 0: That caps at 600,000, like I mentioned. So, again, may seem quite far away, but most people our age are gonna get to half 1,000,000, 1,000,000, 2,000,000, and so on. So there\n\nChannel 1: Yep.\n\nChannel 0: is a cap at that point\n\nChannel 1: Yep.\n\nChannel 0: just to make sure it's not going too high in those later retirement years.\n\nChannel 1: Yep.\n\nChannel 0: Cool. That's through there. The Odoo sign document there, it's it's similar to DocuSign, but it's\n\nChannel 1: Mhmm.\n\nChannel 0: a little bit different. There's a button at the end to download a signed copy. So if\n\nChannel 1: Yep.\n\nChannel 0: you're comfortable with that, just hit that button. If you miss it and you want a copy of your signed documents, just let the team know, and we can email it through.\n\nChannel 1: Awesome. No. That sounds good.\n\nChannel 0: Awesome, Ellie. Well, I've had a fantastic evening talking to you. Do you have any other questions for me before I let you go?\n\nChannel 1: No. That was everything. Thank you. I appreciate your time.\n\nChannel 0: That's alright. We'll catch you one evening for the research, and the team will book you in probably in two to three weeks' time to go through that updated portfolio and quotes.\n\nChannel 1: Amazing. That sounds great.\n\nChannel 0: Awesome, Emily. Have a fantastic evening. Thank you so much for your time.\n\nChannel 1: No worries. Same to you. Thanks, Tommy.\n\nChannel 0: Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Emily.","start":1.76,"end":2.8,"sentiment":"neutral","sentiment_score":0.27350913484891254},{"text":"It's Tommy here, senior adviser from Oakview.","start":2.8,"end":4.7999997,"sentiment":"neutral","sentiment_score":0.2011507089648928},{"text":"How are you doing?","start":4.7999997,"end":5.62,"sentiment":"neutral","sentiment_score":0.1763470284640789}],"sentiment":"neutral","sentiment_score":0.2095693200826645,"channel":0,"num_words":14,"start":1.76,"end":5.62},{"sentences":[{"text":"Hi.","start":5.6,"end":5.8399997,"sentiment":"neutral","sentiment_score":0.27135205268859863},{"text":"I'm good.","start":5.8399997,"end":6.24,"sentiment":"positive","sentiment_score":0.3567824512720108},{"text":"How are you?","start":6.24,"end":7.14,"sentiment":"neutral","sentiment_score":0.31065695484479267}],"sentiment":"neutral","sentiment_score":0.3194813032944997,"channel":1,"num_words":6,"start":5.6,"end":7.14},{"sentences":[{"text":"I'm doing fantastic.","start":7.04,"end":8.26,"sentiment":"positive","sentiment_score":0.6822006106376648},{"text":"Thank you so much for calling in.","start":8.32,"end":9.599999,"sentiment":"positive","sentiment_score":0.6679737482752118},{"text":"I was just running back from the bathroom.","start":9.599999,"end":11.12,"sentiment":"neutral","sentiment_score":0.0018434529192745686},{"text":"I do","start":11.12,"end":11.44,"sentiment":"neutral","sentiment_score":-0.09030989184975624}],"sentiment":"neutral","sentiment_score":0.32782729547470807,"channel":0,"num_words":20,"start":7.04,"end":11.44},{"sentences":[{"text":"No.","start":11.44,"end":11.92,"sentiment":"neutral","sentiment_score":-0.050987694412469864}],"sentiment":"neutral","sentiment_score":-0.050987694412469864,"channel":1,"num_words":1,"start":11.44,"end":11.92},{"sentences":[{"text":"apologize.","start":11.44,"end":11.94,"sentiment":"neutral","sentiment_score":-0.06897124648094177}],"sentiment":"neutral","sentiment_score":-0.06897124648094177,"channel":0,"num_words":1,"start":11.44,"end":11.94},{"sentences":[{"text":"You're so fine.","start":11.92,"end":12.985001,"sentiment":"neutral","sentiment_score":0.10170840720335643},{"text":"It's all good.","start":12.985001,"end":13.785,"sentiment":"positive","sentiment_score":0.35567012429237366},{"text":"I only just walked in the door from work.","start":13.785,"end":15.225,"sentiment":"neutral","sentiment_score":-0.028979820509751637},{"text":"So I thought, oh my god.","start":15.225,"end":15.865,"sentiment":"neutral","sentiment_score":-0.09399064568181832},{"text":"Have I missed it?","start":15.865,"end":16.845001,"sentiment":"neutral","sentiment_score":-0.07042820006608963}],"sentiment":"neutral","sentiment_score":0.01062642142176628,"channel":1,"num_words":25,"start":11.92,"end":16.845001},{"sentences":[{"text":"No.","start":17.375,"end":17.615,"sentiment":"neutral","sentiment_score":-0.07423920929431915},{"text":"No.","start":17.615,"end":17.855,"sentiment":"neutral","sentiment_score":-0.012637732550501823},{"text":"Perfectly fine.","start":17.855,"end":18.495,"sentiment":"neutral","sentiment_score":0.16162806749343872},{"text":"I'll normally do, like, a call, voice message, and a text.","start":18.495,"end":21.535,"sentiment":"neutral","sentiment_score":0.12766288288614966},{"text":"We can always catch each other, and I've","start":21.535,"end":23.295,"sentiment":"neutral","sentiment_score":0.15939656272530556}],"sentiment":"neutral","sentiment_score":0.12677580029096291,"channel":0,"num_words":23,"start":17.375,"end":23.295},{"sentences":[{"text":"Yep.","start":23.225,"end":23.725,"sentiment":"neutral","sentiment_score":0.09899494051933289}],"sentiment":"neutral","sentiment_score":0.09899494051933289,"channel":1,"num_words":1,"start":23.225,"end":23.725},{"sentences":[{"text":"locked out plenty of time as well.","start":23.295,"end":24.975,"sentiment":"neutral","sentiment_score":0.11878960792507444},{"text":"So glad to catch you just as you get home.","start":24.975,"end":27.154999,"sentiment":"positive","sentiment_score":0.4576367765665054}],"sentiment":"neutral","sentiment_score":0.31811147183179855,"channel":0,"num_words":17,"start":23.295,"end":27.154999},{"sentences":[{"text":"I'm moving.","start":27.064999,"end":27.805,"sentiment":"neutral","sentiment_score":0.07878728583455086}],"sentiment":"neutral","sentiment_score":0.07878728583455086,"channel":1,"num_words":2,"start":27.064999,"end":27.805},{"sentences":[{"text":"What I'm gonna do today is I'm gonna shoot you through an annual review pack through our new system that we've just switched to over Christmas time.","start":28.47,"end":36.329998,"sentiment":"neutral","sentiment_score":0.0726063117660858}],"sentiment":"neutral","sentiment_score":0.0726063117660858,"channel":0,"num_words":27,"start":28.47,"end":36.329998},{"sentences":[{"text":"Yep.","start":36.309998,"end":36.809998,"sentiment":"neutral","sentiment_score":0.03316560760140419}],"sentiment":"neutral","sentiment_score":0.03316560760140419,"channel":1,"num_words":1,"start":36.309998,"end":36.809998},{"sentences":[{"text":"It may come through to your spam box or your main inbox for the first one just to get through the filtering, if that's okay.","start":36.47,"end":42.809998,"sentiment":"neutral","sentiment_score":-0.017458589524030687}],"sentiment":"neutral","sentiment_score":-0.017458589524030687,"channel":0,"num_words":25,"start":36.47,"end":42.809998},{"sentences":[{"text":"Yeah.","start":42.885,"end":43.204998,"sentiment":"neutral","sentiment_score":0.06442995369434357},{"text":"That's okay.","start":43.204998,"end":43.864998,"sentiment":"neutral","sentiment_score":0.09858528897166252}],"sentiment":"neutral","sentiment_score":0.0872001772125562,"channel":1,"num_words":3,"start":42.885,"end":43.864998},{"sentences":[{"text":"Now just to double check your Gmail address, Emilyjwalkedin@Gmail.com.","start":44.275,"end":48.995003,"sentiment":"neutral","sentiment_score":0.0725488956603739},{"text":"That's still okay?","start":48.995003,"end":50.055,"sentiment":"neutral","sentiment_score":0.0687774233520031}],"sentiment":"neutral","sentiment_score":0.0716060275832812,"channel":0,"num_words":12,"start":44.275,"end":50.055},{"sentences":[{"text":"Yes.","start":50.165,"end":50.565,"sentiment":"neutral","sentiment_score":0.08380666375160217},{"text":"That's the one.","start":50.565,"end":51.385,"sentiment":"neutral","sentiment_score":0.12801804641882578}],"sentiment":"neutral","sentiment_score":0.11696520075201988,"channel":1,"num_words":4,"start":50.165,"end":51.385},{"sentences":[{"text":"Perfect.","start":51.635002,"end":52.115,"sentiment":"positive","sentiment_score":0.36784297227859497},{"text":"So I'll pop this through to you now.","start":52.115,"end":53.955,"sentiment":"neutral","sentiment_score":0.19765151850879192},{"text":"Will you be able to look on to this email with me today, or should I just","start":53.955,"end":57.315002,"sentiment":"neutral","sentiment_score":0.08672183708232992}],"sentiment":"neutral","sentiment_score":0.13166639810571304,"channel":0,"num_words":26,"start":51.635002,"end":57.315002},{"sentences":[{"text":"Yes.","start":57.125,"end":57.42,"sentiment":"neutral","sentiment_score":0.040238507091999054}],"sentiment":"neutral","sentiment_score":0.040238507091999054,"channel":1,"num_words":1,"start":57.125,"end":57.42},{"sentences":[{"text":"explain what's there?","start":57.315002,"end":58.455,"sentiment":"neutral","sentiment_score":0.026333384215831757}],"sentiment":"neutral","sentiment_score":0.026333384215831757,"channel":0,"num_words":3,"start":57.315002,"end":58.455},{"sentences":[{"text":"No.","start":58.46,"end":58.699997,"sentiment":"neutral","sentiment_score":-0.03874483704566955},{"text":"No.","start":58.699997,"end":58.859997,"sentiment":"neutral","sentiment_score":-0.028538154438138008},{"text":"I can have a quick look at it now while we're on the phone.","start":58.859997,"end":60.94,"sentiment":"neutral","sentiment_score":0.019516493060759137},{"text":"That's all good.","start":60.94,"end":61.839996,"sentiment":"neutral","sentiment_score":0.30833006898562115}],"sentiment":"neutral","sentiment_score":0.05952305885914125,"channel":1,"num_words":19,"start":58.46,"end":61.839996},{"sentences":[{"text":"Fantastic.","start":62.02,"end":62.52,"sentiment":"positive","sentiment_score":0.43528273701667786},{"text":"So it's gonna include some attachments like a normal PDF attachments for an email.","start":62.58,"end":66.9,"sentiment":"neutral","sentiment_score":0.1341007107070514},{"text":"It's gonna","start":66.9,"end":67.46,"sentiment":"neutral","sentiment_score":0.09372259676456451}],"sentiment":"neutral","sentiment_score":0.14706693414379568,"channel":0,"num_words":17,"start":62.02,"end":67.46},{"sentences":[{"text":"Yep.","start":67.34,"end":67.84,"sentiment":"neutral","sentiment_score":0.08598147332668304}],"sentiment":"neutral","sentiment_score":0.08598147332668304,"channel":1,"num_words":1,"start":67.34,"end":67.84},{"sentences":[{"text":"have your Hub twenty four performance, updated financial services guide with us, license","start":67.46,"end":73.345,"sentiment":"neutral","sentiment_score":0.0853034805219907}],"sentiment":"neutral","sentiment_score":0.0853034805219907,"channel":0,"num_words":13,"start":67.46,"end":73.345},{"sentences":[{"text":"Yep.","start":72.985,"end":73.485,"sentiment":"neutral","sentiment_score":0.04478296637535095}],"sentiment":"neutral","sentiment_score":0.04478296637535095,"channel":1,"num_words":1,"start":72.985,"end":73.485},{"sentences":[{"text":"details, complaints procedure, what we can and can't give advice on.","start":73.345,"end":77.345,"sentiment":"neutral","sentiment_score":0.028083441948348827},{"text":"I'm","start":77.345,"end":77.505005,"sentiment":"neutral","sentiment_score":0.07848529517650604}],"sentiment":"neutral","sentiment_score":0.03228359638402859,"channel":0,"num_words":12,"start":73.345,"end":77.505005},{"sentences":[{"text":"Yep.","start":77.465004,"end":77.965004,"sentiment":"neutral","sentiment_score":0.10633738338947296}],"sentiment":"neutral","sentiment_score":0.10633738338947296,"channel":1,"num_words":1,"start":77.465004,"end":77.965004},{"sentences":[{"text":"gonna shoot that through to you now.","start":77.505005,"end":79.285,"sentiment":"neutral","sentiment_score":0.13363076214279448},{"text":"There will also be a link to your service 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days.","start":83.185,"end":89.11,"sentiment":"neutral","sentiment_score":0.10981598068028689},{"text":"So","start":89.11,"end":89.35,"sentiment":"neutral","sentiment_score":0.1079769879579544}],"sentiment":"neutral","sentiment_score":0.10972840959827106,"channel":0,"num_words":21,"start":83.185,"end":89.35},{"sentences":[{"text":"Yep.","start":89.34,"end":89.84,"sentiment":"neutral","sentiment_score":0.11283203214406969}],"sentiment":"neutral","sentiment_score":0.11283203214406969,"channel":1,"num_words":1,"start":89.34,"end":89.84},{"sentences":[{"text":"I just wanted to shoot that through as well.","start":89.35,"end":91.61,"sentiment":"neutral","sentiment_score":0.09482948399252361}],"sentiment":"neutral","sentiment_score":0.09482948399252361,"channel":0,"num_words":9,"start":89.35,"end":91.61},{"sentences":[{"text":"No.","start":91.579994,"end":91.81999,"sentiment":"neutral","sentiment_score":0.0025176070630550385},{"text":"That's fine.","start":91.81999,"end":92.64,"sentiment":"neutral","sentiment_score":0.06805776059627533}],"sentiment":"neutral","sentiment_score":0.04621104275186857,"channel":1,"num_words":3,"start":91.579994,"end":92.64},{"sentences":[{"text":"So that should come through.","start":93.03,"end":93.990005,"sentiment":"neutral","sentiment_score":0.1415889322757721},{"text":"It's usually pretty instant.","start":93.990005,"end":95.270004,"sentiment":"neutral","sentiment_score":0.1437493832781911},{"text":"I've only had two cases where it took a few minutes, so let me know if","start":95.270004,"end":98.31,"sentiment":"neutral","sentiment_score":-0.004476268833968788}],"sentiment":"neutral","sentiment_score":0.048452875725924965,"channel":0,"num_words":25,"start":93.03,"end":98.31},{"sentences":[{"text":"Nope.","start":98.245,"end":98.485,"sentiment":"neutral","sentiment_score":-0.0793585553765297}],"sentiment":"neutral","sentiment_score":-0.0793585553765297,"channel":1,"num_words":1,"start":98.245,"end":98.485},{"sentences":[{"text":"that pops","start":98.31,"end":98.79,"sentiment":"neutral","sentiment_score":-0.009924048092216253}],"sentiment":"neutral","sentiment_score":-0.009924048092216253,"channel":0,"num_words":2,"start":98.31,"end":98.79},{"sentences":[{"text":"That's okay.","start":98.485,"end":99.045,"sentiment":"neutral","sentiment_score":0.08965854346752167}],"sentiment":"neutral","sentiment_score":0.08965854346752167,"channel":1,"num_words":2,"start":98.485,"end":99.045},{"sentences":[{"text":"through","start":98.79,"end":99.19,"sentiment":"neutral","sentiment_score":0.0380864292383194}],"sentiment":"neutral","sentiment_score":0.0380864292383194,"channel":0,"num_words":1,"start":98.79,"end":99.19},{"sentences":[{"text":"It's","start":99.045,"end":99.365,"sentiment":"neutral","sentiment_score":0.1279580295085907}],"sentiment":"neutral","sentiment_score":0.1279580295085907,"channel":1,"num_words":1,"start":99.045,"end":99.365},{"sentences":[{"text":"okay.","start":99.19,"end":99.69,"sentiment":"neutral","sentiment_score":0.18690572679042816}],"sentiment":"neutral","sentiment_score":0.18690572679042816,"channel":0,"num_words":1,"start":99.19,"end":99.69},{"sentences":[{"text":"here right 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work in the property as well.","start":658.89996,"end":665.85504,"sentiment":"neutral","sentiment_score":-0.01920670205179383}],"sentiment":"neutral","sentiment_score":-0.06676868400113149,"channel":1,"num_words":44,"start":654.89996,"end":665.85504},{"sentences":[{"text":"Yep.","start":666.465,"end":666.93,"sentiment":"neutral","sentiment_score":0.10375326126813889}],"sentiment":"neutral","sentiment_score":0.10375326126813889,"channel":0,"num_words":1,"start":666.465,"end":666.93},{"sentences":[{"text":"So I got about $10 to my name right now.","start":666.875,"end":670.09503,"sentiment":"neutral","sentiment_score":0.13892808929085732}],"sentiment":"neutral","sentiment_score":0.13892808929085732,"channel":1,"num_words":10,"start":666.875,"end":670.09503},{"sentences":[{"text":"Hey.","start":670.85,"end":671.01,"sentiment":"neutral","sentiment_score":0.023816725239157677},{"text":"That's pretty good in this day 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on.","start":899.13,"end":899.95,"sentiment":"neutral","sentiment_score":-0.01401966204866767},{"text":"I'll pull up and have a look.","start":900.41003,"end":901.87,"sentiment":"neutral","sentiment_score":0.10757194991622653},{"text":"Okay.","start":904.17004,"end":904.67004,"sentiment":"neutral","sentiment_score":0.09233558177947998},{"text":"Okay.","start":910.29504,"end":910.455,"sentiment":"neutral","sentiment_score":0.07897613942623138}],"sentiment":"neutral","sentiment_score":0.043022029218263924,"channel":1,"num_words":24,"start":892.395,"end":910.455},{"sentences":[{"text":"After I put any money into my savings account, I have just over a $100 left over.","start":910.455,"end":915.835,"sentiment":"neutral","sentiment_score":0.11631760965375339},{"text":"If I were to pull a little bit out what I was going to put into my savings account, I could bump that up to a 150 or 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higher return because I just feel like a higher return is gonna balance out the fees in the long run.","start":1584.465,"end":1589.505,"sentiment":"neutral","sentiment_score":0.24841643429615282},{"text":"Would that be fair to say?","start":1589.505,"end":1591.205,"sentiment":"neutral","sentiment_score":0.08502306727071603}],"sentiment":"neutral","sentiment_score":0.21340356993355922,"channel":1,"num_words":28,"start":1584.465,"end":1591.205},{"sentences":[{"text":"Yeah.","start":1590.945,"end":1591.4249,"sentiment":"neutral","sentiment_score":0.12265168130397797},{"text":"Absolutely.","start":1591.4249,"end":1591.9249,"sentiment":"neutral","sentiment_score":0.21995000541210177},{"text":"And I don't have too much of a personal preference in it because 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away,","start":2199.0,"end":2202.22,"sentiment":"neutral","sentiment_score":0.1185930659994483}],"sentiment":"neutral","sentiment_score":0.10874511280821429,"channel":0,"num_words":9,"start":2198.76,"end":2202.22},{"sentences":[{"text":"Yep.","start":2202.3,"end":2202.705,"sentiment":"neutral","sentiment_score":0.178646057844162}],"sentiment":"neutral","sentiment_score":0.178646057844162,"channel":1,"num_words":1,"start":2202.3,"end":2202.705},{"sentences":[{"text":"then we can do some quotes as a nonsmoker's rates at the next review 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apologize.","start":2212.825,"end":2213.645,"sentiment":"neutral","sentiment_score":-0.023847489307324093}],"sentiment":"neutral","sentiment_score":0.11274070690075556,"channel":0,"num_words":15,"start":2208.665,"end":2213.645},{"sentences":[{"text":"That's okay.","start":2213.745,"end":2214.485,"sentiment":"neutral","sentiment_score":0.09900492057204247}],"sentiment":"neutral","sentiment_score":0.09900492057204247,"channel":1,"num_words":2,"start":2213.745,"end":2214.485},{"sentences":[{"text":"Life and TPD, that's your life insurance 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is.","start":2254.32,"end":2254.815,"sentiment":"neutral","sentiment_score":-0.02228997554630041}],"sentiment":"neutral","sentiment_score":-0.02228997554630041,"channel":0,"num_words":2,"start":2254.32,"end":2254.815},{"sentences":[{"text":"Yep.","start":2255.03,"end":2255.53,"sentiment":"neutral","sentiment_score":-0.06294748187065125}],"sentiment":"neutral","sentiment_score":-0.06294748187065125,"channel":1,"num_words":1,"start":2255.03,"end":2255.53},{"sentences":[{"text":"I tend to it's purely up to you, but I tend to have a bit of a flag point on pricing where if it goes above 30% of your contributions, it starts to really eat at your super and slow down the 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$18.50.","start":2304.07,"end":2305.53,"sentiment":"neutral","sentiment_score":0.2017628736793995}],"sentiment":"neutral","sentiment_score":0.2017628736793995,"channel":0,"num_words":4,"start":2304.07,"end":2305.53},{"sentences":[{"text":"it's not too bad, I guess, guess, is it?","start":2306.15,"end":2308.605,"sentiment":"neutral","sentiment_score":0.2679034686750836}],"sentiment":"neutral","sentiment_score":0.2679034686750836,"channel":1,"num_words":9,"start":2306.15,"end":2308.605},{"sentences":[{"text":"Yeah.","start":2309.205,"end":2309.705,"sentiment":"neutral","sentiment_score":0.19915851950645447},{"text":"Realistically, I I like to see people in our age group under 1,500 in 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what I'll do is I'll put together that update for the investment switch,","start":2326.82,"end":2331.8801,"sentiment":"neutral","sentiment_score":0.23229025889720237}],"sentiment":"neutral","sentiment_score":0.21909019549687703,"channel":0,"num_words":15,"start":2326.26,"end":2331.8801},{"sentences":[{"text":"Mhmm.","start":2332.4302,"end":2332.725,"sentiment":"neutral","sentiment_score":0.2308523952960968}],"sentiment":"neutral","sentiment_score":0.2308523952960968,"channel":1,"num_words":1,"start":2332.4302,"end":2332.725},{"sentences":[{"text":"and then I'll get you some life TPD and income protection quotes as well.","start":2332.74,"end":2336.805,"sentiment":"positive","sentiment_score":0.35687982397420065},{"text":"I'm gonna recommend all of it, and then you can just write into the document what you would like to go ahead with or 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could I could probably, yes, see out maybe two months just as myself personally.","start":2400.595,"end":2405.42,"sentiment":"neutral","sentiment_score":-0.011255079507827758},{"text":"Obviously, I've got my partner, so it could be a little bit longer.","start":2405.48,"end":2408.1199,"sentiment":"neutral","sentiment_score":-0.031990937602061495},{"text":"But me just by myself right","start":2408.1199,"end":2410.28,"sentiment":"neutral","sentiment_score":0.01883390670021375}],"sentiment":"neutral","sentiment_score":-0.013873674742439213,"channel":1,"num_words":34,"start":2400.595,"end":2410.28},{"sentences":[{"text":"Yep.","start":2410.21,"end":2410.71,"sentiment":"neutral","sentiment_score":0.030832713469862934}],"sentiment":"neutral","sentiment_score":0.030832713469862934,"channel":0,"num_words":1,"start":2410.21,"end":2410.71},{"sentences":[{"text":"now, maybe, like, that two month mark, 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if","start":2802.93,"end":2803.25,"sentiment":"neutral","sentiment_score":0.06846162676811218}],"sentiment":"neutral","sentiment_score":0.04416521890636753,"channel":0,"num_words":17,"start":2798.925,"end":2803.25},{"sentences":[{"text":"Yep.","start":2803.1501,"end":2803.395,"sentiment":"neutral","sentiment_score":0.07382529228925705}],"sentiment":"neutral","sentiment_score":0.07382529228925705,"channel":1,"num_words":1,"start":2803.1501,"end":2803.395},{"sentences":[{"text":"you're comfortable with that, just hit that button.","start":2803.25,"end":2805.73,"sentiment":"neutral","sentiment_score":0.08232757728546858},{"text":"If you miss it and you want a copy of your signed documents, just let the team know, and we can email it through.","start":2805.73,"end":2810.95,"sentiment":"neutral","sentiment_score":0.08967143095408876}],"sentiment":"neutral","sentiment_score":0.08783546753693372,"channel":0,"num_words":32,"start":2803.25,"end":2810.95},{"sentences":[{"text":"Awesome.","start":2811.075,"end":2811.575,"sentiment":"positive","sentiment_score":0.510651171207428},{"text":"No.","start":2811.715,"end":2811.955,"sentiment":"neutral","sentiment_score":0.23029355704784393},{"text":"That sounds good.","start":2811.955,"end":2813.0151,"sentiment":"positive","sentiment_score":0.5531253616015116}],"sentiment":"positive","sentiment_score":0.4800641626119614,"channel":1,"num_words":5,"start":2811.075,"end":2813.0151},{"sentences":[{"text":"Awesome, Ellie.","start":2813.41,"end":2813.97,"sentiment":"positive","sentiment_score":0.6988359689712524},{"text":"Well, I've had a fantastic evening talking to you.","start":2813.97,"end":2816.79,"sentiment":"positive","sentiment_score":0.8136863311131796},{"text":"Do you have any other questions for me before I let you go?","start":2817.25,"end":2819.745,"sentiment":"neutral","sentiment_score":0.3205010753411513}],"sentiment":"positive","sentiment_score":0.5369734540581703,"channel":0,"num_words":24,"start":2813.41,"end":2819.745},{"sentences":[{"text":"No.","start":2819.71,"end":2820.03,"sentiment":"neutral","sentiment_score":0.011593010276556017},{"text":"That was everything.","start":2820.03,"end":2820.91,"sentiment":"neutral","sentiment_score":0.27562979360421497},{"text":"Thank you.","start":2820.91,"end":2821.23,"sentiment":"positive","sentiment_score":0.6107926070690155},{"text":"I appreciate your time.","start":2821.23,"end":2822.45,"sentiment":"positive","sentiment_score":0.6817326247692108}],"sentiment":"positive","sentiment_score":0.47869981043040755,"channel":1,"num_words":10,"start":2819.71,"end":2822.45},{"sentences":[{"text":"That's alright.","start":2822.7651,"end":2823.405,"sentiment":"positive","sentiment_score":0.43547891080379486},{"text":"We'll catch you one evening for the research, and the team will book you in probably in two to three weeks' time to go through that updated portfolio and quotes.","start":2823.405,"end":2832.385,"sentiment":"positive","sentiment_score":0.4327196439107259}],"sentiment":"positive","sentiment_score":0.4328920980915427,"channel":0,"num_words":32,"start":2822.7651,"end":2832.385},{"sentences":[{"text":"Amazing.","start":2832.805,"end":2833.125,"sentiment":"positive","sentiment_score":0.8031757473945618},{"text":"That sounds great.","start":2833.125,"end":2834.2651,"sentiment":"positive","sentiment_score":0.8539722164471945}],"sentiment":"positive","sentiment_score":0.8412730991840363,"channel":1,"num_words":4,"start":2832.805,"end":2834.2651},{"sentences":[{"text":"Awesome, Emily.","start":2834.69,"end":2835.3298,"sentiment":"positive","sentiment_score":0.8167217671871185},{"text":"Have a fantastic evening.","start":2835.3298,"end":2836.3699,"sentiment":"positive","sentiment_score":0.8059327006340027},{"text":"Thank you so much for your time.","start":2836.3699,"end":2837.75,"sentiment":"positive","sentiment_score":0.8207049880708966}],"sentiment":"positive","sentiment_score":0.8155468656466558,"channel":0,"num_words":13,"start":2834.69,"end":2837.75},{"sentences":[{"text":"No worries.","start":2837.605,"end":2838.085,"sentiment":"neutral","sentiment_score":0.3326696753501892},{"text":"Same to you.","start":2838.085,"end":2838.645,"sentiment":"positive","sentiment_score":0.4644910395145416},{"text":"Thanks, Tommy.","start":2838.645,"end":2839.385,"sentiment":"positive","sentiment_score":0.6019620895385742}],"sentiment":"positive","sentiment_score":0.46610523547445026,"channel":1,"num_words":7,"start":2837.605,"end":2839.385},{"sentences":[{"text":"Bye.","start":2839.3298,"end":2839.8298,"sentiment":"positive","sentiment_score":0.4092891812324524}],"sentiment":"positive","sentiment_score":0.4092891812324524,"channel":0,"num_words":1,"start":2839.3298,"end":2839.8298},{"sentences":[{"text":"Bye.","start":2839.925,"end":2840.425,"sentiment":"neutral","sentiment_score":-0.09889159351587296}],"sentiment":"neutral","sentiment_score":-0.09889159351587296,"channel":1,"num_words":1,"start":2839.925,"end":2840.425}]},"summary":{"result":"success","short":"The speaker discusses their retirement goals and financial goals for the year, including their retirement goals and home equity. They also discuss changes to their retirement goals, including a reduction in their payment for their investment and a focus on reducing their workload. The speaker emphasizes the importance of protecting their investments and revisiting investment options when they have a stable income. They also discuss their life insurance coverage and the importance of affordability for their monthly payment. The speaker provides information on their coverage and a follow-up meeting to discuss further."},"intents":{"segments":[{"text":"Now before I jump into it, I do wanna double check some of your details as well Yes.","start_word":366,"end_word":383,"intents":[{"intent":"Double check details","confidence_score":0.03002903}]},{"text":"Is there anything in particular you would like to get out of this year's review?","start_word":412,"end_word":426,"intents":[{"intent":"Get out review","confidence_score":0.0337415}]},{"text":"I check I check it periodically, and I say, oh, okay. Well, looks like it's growing, so that's good. Yeah.","start_word":496,"end_word":515,"intents":[{"intent":"Check spot check","confidence_score":0.29836807}]},{"text":"So today, we'll just go through a bit of an update on how it's going if we need Yep. to make any updates and changes to your investments.","start_word":619,"end_word":646,"intents":[{"intent":"Make investments","confidence_score":0.15101384}]},{"text":"So I'm just gonna briefly touch on it today, but let's go through some of these details.","start_word":730,"end_word":746,"intents":[{"intent":"Review account details","confidence_score":0.00026488476}]},{"text":"Do you mind if I just go through what we have on file? Yeah.","start_word":748,"end_word":761,"intents":[{"intent":"Provide information","confidence_score":0.0019832253}]},{"text":"So we have the main goal for you is a nice and early retirement more towards age 60, which is when you can access your super, not Yep. pushing it out to age pension age of 67. Does that Yep.","start_word":764,"end_word":803,"intents":[{"intent":"Discuss retirement goals","confidence_score":0.35800642},{"intent":"Access super","confidence_score":0.0110528795}]},{"text":"So just so I can cross reference everything, is that the address that we have on file and okay to just do security with you before? Mhmm.","start_word":888,"end_word":914,"intents":[{"intent":"Update address","confidence_score":0.31964076}]},{"text":"Well, if you ever wanna pop by for review in office or anything like that, the team would love to get you a coffee and hang out for a little bit if you ever Oh, awesome.","start_word":1078,"end_word":1113,"intents":[{"intent":"Schedule review","confidence_score":0.021222556}]},{"text":"The negative would be is if we were doing more transactions per month, Mhmm. you may get brokerage fees to purchase the investments that we've recommended Right.","start_word":1462,"end_word":1488,"intents":[{"intent":"Discuss investments in the super","confidence_score":0.000008264698}]},{"text":"Good luck negotiating the $2 pay rise per year.","start_word":1776,"end_word":1784,"intents":[{"intent":"Negotiate pay rise","confidence_score":0.64519304}]},{"text":"Do you have a bit of a percentage split between how much you would be on the road versus in office? Don't know.","start_word":1833,"end_word":1855,"intents":[{"intent":"Get split","confidence_score":0.004435553}]},{"text":"Do you have anything else in the way of assets and liabilities?","start_word":2013,"end_word":2024,"intents":[{"intent":"Update assets and liabilities","confidence_score":0.09264999}]},{"text":"So I actually discharged that outright last year sometime. I can't believe I didn't update you guys on that. That's so bad.","start_word":2154,"end_word":2175,"intents":[{"intent":"Update contacts","confidence_score":0.00079347595}]},{"text":"Not too sure, but definitely an immediate thought is to get into the stock share market. That's something that I'm very interested in. Perfect.","start_word":2485,"end_word":2508,"intents":[{"intent":"Evaluate stock market interest","confidence_score":0.0012595223}]},{"text":"The problem that you get is because it's a $180 flat fee per year plus percentage based fees is you don't wanna put in, for example, like, $10, and then it gets eaten away by fees and the returns don't take Mhmm. it anywhere. Correct.","start_word":3266,"end_word":3310,"intents":[{"intent":"Understand investment requirements","confidence_score":0.00010607568}]},{"text":"When we get to that point, we'll also do a separate risk profile. So what we would kinda do is say your super is invested this way because it's for retirement. But if Mhmm. you're wanting to invest personally and you're gonna access it in three, five, ten years, whatever it is, we need to invest you slightly differently. Okay.","start_word":3601,"end_word":3660,"intents":[{"intent":"Evaluate super investments","confidence_score":0.017683897}]},{"text":"Speaking about your hub portfolio while we're on the subject, I'll go through that report with you. Do you have open your hub twenty four performance report by any chance? Yep. My performance report.","start_word":3952,"end_word":3985,"intents":[{"intent":"Get performance report","confidence_score":0.18851963}]},{"text":"how you interpret this one, left hand side is all your investments, and Mhmm. the very, very far right is the percentage return of those investments. Right.","start_word":4083,"end_word":4109,"intents":[{"intent":"Interpret trading tables","confidence_score":0.000068203066}]},{"text":"how you interpret this one, left hand side is all your investments, and Mhmm. the very, very far right is the percentage return of those investments. Right. And the next page, it has Yep. a single line for your overall portfolio. Okay.","start_word":4083,"end_word":4124,"intents":[{"intent":"Verify portfolio information","confidence_score":0.00022482956}]},{"text":"But I've been I've been actually quite impressed with it jumping up from 44 to 73 in, like, I don't know. What was it? 23 or '24 to '26. I was quite happy with that so far. Yeah.","start_word":5108,"end_word":5145,"intents":[{"intent":"Checking portfolio experience","confidence_score":5.624808e-7}]},{"text":"We've got a lot lovely little instruction letter over the top so you Yep. can't miss it. You Yep. do get to choose between whether you want the nomination to lapse or be continuous. So it Okay.","start_word":5784,"end_word":5820,"intents":[{"intent":"Educate about super super powers","confidence_score":0.014648091}]},{"text":"That's I'll make a note for him. Do you want us to prefill any of his details on the form, or are you okay to fill that fine. in? No.","start_word":6010,"end_word":6039,"intents":[{"intent":"Make a note","confidence_score":0.18711604}]},{"text":"Do you want us to prefill any of his details on the form, or are you okay to fill that fine. in? No.","start_word":6016,"end_word":6038,"intents":[{"intent":"Fill form","confidence_score":0.34856766}]},{"text":"I'll send that through to you.","start_word":6047,"end_word":6052,"intents":[{"intent":"Send form","confidence_score":0.04250385}]},{"text":"Do you wanna look at any salary sacrifice because you did just get a big mortgage in October?","start_word":6077,"end_word":6094,"intents":[{"intent":"Compare contributions","confidence_score":0.029345004}]},{"text":"It's probably closer to building up my savings and Cool.","start_word":6171,"end_word":6180,"intents":[{"intent":"Build savings and super","confidence_score":0.0030790127}]},{"text":"When it comes to your insurance situation, Mhmm. that one was a little bit tricky. I was just having a look at it there. Did you want me to get any kind of quotes for, like, life insurance to pay off the mortgage or something like that? Yeah.","start_word":6303,"end_word":6350,"intents":[{"intent":"Review insurance quotes","confidence_score":0.004183887}]},{"text":"That's not just me saying that because I don't like selling insurance. But generally speaking, I did an analysis in 2014 when I entered the industry, and '29 and '30 is the cheapest year. For Mhmm.","start_word":6410,"end_word":6445,"intents":[{"intent":"Comparing insurance rates","confidence_score":0.0012635094}]},{"text":"reason, an 18 year old is more risky, and everyone after 30 has health problems. So Okay.","start_word":6448,"end_word":6464,"intents":[{"intent":"Comparing health and smoking rates","confidence_score":0.000007827022},{"intent":"Expressing concern about health concerns","confidence_score":0.0012250261}]},{"text":"If you're ever twelve months nicotine free, they'd class you as a nonsmoker, Okay. and that chops down quite a bit. Yep.","start_word":6546,"end_word":6567,"intents":[{"intent":"Encouraging a diet","confidence_score":1.9292184e-8}]},{"text":"So when it comes to insurance side of things, I can get quotes. I can just keep it at that mortgage level for, say, life insurance disability cover. So you Yep. pass away, never work again, mortgage is paid off for your partner, Yep. future family, and so on. Is Yep. that something you want me to kind of do some research on and see what it looks like? Yes.","start_word":6643,"end_word":6712,"intents":[{"intent":"Considering insurance options","confidence_score":0.009809376},{"intent":"Suggesting future use of insurance insurance","confidence_score":0.0000017672234},{"intent":"Asking for insurance quotes","confidence_score":0.004738805}]},{"text":"So that it can to be to be considered a nonsmoker after what was it? Twelve months?","start_word":6723,"end_word":6739,"intents":[{"intent":"Request nonsmoker status","confidence_score":0.006809094}]},{"text":"I tend to it's purely up to you, but I tend to have a bit of a flag point on pricing where if it goes above 30% of your contributions, it starts to really eat at your super and slow down the growth. Mhmm. Yep.","start_word":6958,"end_word":7002,"intents":[{"intent":"Provide opinion on pricing","confidence_score":0.000036697787}]},{"text":"The other side is benefit period. They can pay you monthly for two years, five years, or age 65 all the way through to basically retirement. Right.","start_word":7259,"end_word":7285,"intents":[{"intent":"Review benefits","confidence_score":0.0006456155}]},{"text":"So what I will do is would you say it's more important to make sure that mortgage is covered off for, like, the life insurance disability, or is the income protection more important for you?","start_word":7398,"end_word":7432,"intents":[{"intent":"Determine coverage requirements","confidence_score":0.011512386}]},{"text":"Savings, mortgage, investment, super insurances. You can spend your money on everything. It's about priorities.","start_word":7770,"end_word":7784,"intents":[{"intent":"Discuss topics","confidence_score":0.0012760425}]},{"text":"Savings, mortgage, investment, super insurances. You can spend your money on everything. It's about priorities. Yeah.","start_word":7770,"end_word":7785,"intents":[{"intent":"Leave money","confidence_score":0.012674842}]},{"text":"Just do a quote to see what it comes out like. Yeah.","start_word":7796,"end_word":7807,"intents":[{"intent":"Get quote","confidence_score":0.4937975}]},{"text":"Any questions so far on your end?","start_word":7943,"end_word":7949,"intents":[{"intent":"Discuss and discuss information","confidence_score":0.000101667465},{"intent":"Discuss insurance premiums and ask questions","confidence_score":3.421632e-7}]},{"text":"That's I don't wanna go through, like, a full okay. medical questionnaire with you tonight because it could take us half an hour and Yep. don't wanna take up your whole night. That's okay.","start_word":7975,"end_word":8008,"intents":[{"intent":"Schedule medical questionnaire","confidence_score":0.0008210803}]},{"text":"Is there a good day or time I can book that in with you?","start_word":8108,"end_word":8121,"intents":[{"intent":"Book meeting","confidence_score":0.06617294}]}]},"sentiments":{"segments":[{"text":"Good afternoon, Emily. It's Tommy here, senior adviser from Oakview. How are you doing? Hi.","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.22176256775856015},{"text":"I'm good.","start_word":15,"end_word":16,"sentiment":"positive","sentiment_score":0.35519644618034363},{"text":"How are you?","start_word":17,"end_word":19,"sentiment":"neutral","sentiment_score":0.31279900670051575},{"text":"I'm doing fantastic. Thank you so much for calling in.","start_word":20,"end_word":29,"sentiment":"positive","sentiment_score":0.6674349308013916},{"text":"I was just running back from the bathroom. I do apologize. No. You're so fine.","start_word":30,"end_word":44,"sentiment":"neutral","sentiment_score":0.008964039385318756},{"text":"It's all good.","start_word":45,"end_word":47,"sentiment":"positive","sentiment_score":0.35379335284233093},{"text":"I only just walked in the door from work. So I thought, oh my god. Have I missed it? No. No. Perfectly fine. I'll normally do, like, a call, voice message, and a text. We can always catch each other, and I've Yep. locked out plenty of time as well.","start_word":48,"end_word":97,"sentiment":"neutral","sentiment_score":0.05934937298297882},{"text":"So glad to catch you just as you get home.","start_word":98,"end_word":107,"sentiment":"positive","sentiment_score":0.4414803981781006},{"text":"I'm moving. What I'm gonna do today is I'm gonna shoot you through an annual review pack through our new system that we've just switched to over Christmas time. Yep. It may come through to your spam box or your main inbox for the first one just to get through the filtering, if that's okay. Yeah. That's okay. Now just to double check your Gmail address, Emilyjwalkedin@Gmail.com. That's still okay? Yes. That's the one.","start_word":108,"end_word":181,"sentiment":"neutral","sentiment_score":0.05151698365807533},{"text":"Perfect.","start_word":182,"end_word":182,"sentiment":"positive","sentiment_score":0.36784297227859497},{"text":"So I'll pop this through to you now. Will you be able to look on to this email with me today, or should I just Yes. explain what's there? No. No. I can have a quick look at it now while we're on the phone. That's all good.","start_word":183,"end_word":230,"sentiment":"neutral","sentiment_score":0.09127848595380784},{"text":"Fantastic.","start_word":231,"end_word":231,"sentiment":"positive","sentiment_score":0.43528273701667786},{"text":"So it's gonna include some attachments like a normal PDF attachments for an email. It's gonna Yep. have your Hub twenty four performance, updated financial services guide with us, license Yep. details, complaints procedure, what we can and can't give advice on. I'm Yep. gonna shoot that through to you now. There will also be a link to your service agreement. So Yep. if after this review, you're still happy with our services, your service agreement does expire with us in four days. So Yep. I just wanted to shoot that through as well. No. That's fine. So that should come through. It's usually pretty instant. I've only had two cases where it took a few minutes, so let me know if Nope. that pops That's okay. through It's okay. here right now.","start_word":232,"end_word":364,"sentiment":"neutral","sentiment_score":0.08715873175209626},{"text":"Amazing.","start_word":365,"end_word":365,"sentiment":"positive","sentiment_score":0.6597051620483398},{"text":"Now before I jump into it, I do wanna double check some of your details as well Yes. just with the cross reference of the system because there was, like, three addresses I saw. I wanted to Yes.","start_word":366,"end_word":403,"sentiment":"neutral","sentiment_score":0.14297479391098022},{"text":"make sure that's all good. I'm so good.","start_word":404,"end_word":411,"sentiment":"positive","sentiment_score":0.5759303569793701},{"text":"Is there anything in particular you would like to get out of this year's review? Oh, I don't know, really. Honestly, I haven't really been looking at it as much as I thought I would when I initially came over. I thought I was gonna, like, look at it all the time and think about it all the time, That's nice. but I It don't, almost sounds which like is you got good. a bit Yeah. of peace Yeah. of mind, I perhaps. do. I check I check it periodically, and I say, oh, okay. Well, looks like it's growing, so that's good. Yeah. Absolutely.","start_word":412,"end_word":516,"sentiment":"neutral","sentiment_score":0.04086674377322197},{"text":"So the the old spot check is fantastic.","start_word":517,"end_word":524,"sentiment":"positive","sentiment_score":0.4434686601161957},{"text":"It's always good not to close your eyes for ten years and wake up and go, oh, no. It's wrong. Yes. Just try not to panic yourself too much because everyone that I've seen that checks it daily, anytime the news pops up, Trump's Oh, done this, 100 Iran's done that. You go, oh, my percent. super has gone down $3,000. What am Yeah. I doing? And it's just it can be a bit of a panic. Yeah. A 100%. No. I I totally I get all of that, so that's all good. Cool. So today, we'll just go through a bit of an update on how it's going if we need Yep. to make any updates and changes to your investments. Yep. I'm going to double check the estate side of things. And I don't believe you have any insurances whatsoever. I So don't I think so. No. I think I remember we touched on that very briefly. Honestly, I can't really remember the context of the conversation. I don't know if it was boiled down that maybe it wasn't necessary or maybe it was something I don't know. I can't remember. There was a reason. No. I don't remember now. That is okay. So I'm just gonna briefly touch on it today, but let's go through some of these details. Yep. Do you mind if I just go through what we have on file? Yeah. That's okay.","start_word":525,"end_word":763,"sentiment":"neutral","sentiment_score":0.0035760995920233146},{"text":"So we have the main goal for you is a nice and early retirement more towards age 60, which is when you can access your super, not Yep.","start_word":764,"end_word":791,"sentiment":"positive","sentiment_score":0.33817800879478455},{"text":"pushing it out to age pension age of 67. Does that Yep. sound about right? Yep.","start_word":792,"end_word":807,"sentiment":"neutral","sentiment_score":0.1937684416770935},{"text":"Perfect. You did have some sort of short, medium, long term goals about building a family over time, just updating the super at that time and then the early retirement, bit of financial freedom there, Yep.","start_word":808,"end_word":843,"sentiment":"positive","sentiment_score":0.3612067401409149},{"text":"and also purchasing property. Now Yes. I am looking at some older information, but has any of that changed goals wise?","start_word":844,"end_word":864,"sentiment":"neutral","sentiment_score":0.08166341483592987},{"text":"It has. My partner and I actually bought a property in October, we settled, so that was awesome. Oh, congratulations. Thank you.","start_word":865,"end_word":886,"sentiment":"positive","sentiment_score":0.5548180937767029},{"text":"Okay. So just so I can cross reference everything, is that the address that we have on file and okay to just do security with you before? Mhmm. Probably not. So Oh, it's possibly. not Olinga Street. Oh, No. So Alinga Street is my partner's parents place, so that would have been why I might have updated it to that one because I was in the interim there. I wasn't renting anywhere. We just went there before we settled, and now I'm in where we are full time. Perfect. And that is not Dreamer Crescent or Littleford Circuit? No. So Cream Of Crescent can probably go. Littleford Circuit, that's my dad's address, so that can Yep. probably go as well. That's fine. Perfect. Did Caden get your new address? I don't believe so. Okay. Could I grab that now, and I'll Mhmm. update that on all files? So Yep. we've got number and street, So it's Unit 14 unit fourteen, at 52 fifty two Queen Street Queen Street in Southport 421 in Southport. five. Oh, you're not far at all. No. No. Not at all. I'm a Southport local now.","start_word":887,"end_word":1076,"sentiment":"neutral","sentiment_score":0.006119412902932565},{"text":"Fantastic.","start_word":1077,"end_word":1077,"sentiment":"positive","sentiment_score":0.611437201499939},{"text":"Well, if you ever wanna pop by for review in office or anything like that, the team would love to get you a coffee and hang out for a little bit if you ever Oh, awesome. had the information to pop in.","start_word":1078,"end_word":1119,"sentiment":"neutral","sentiment_score":0.3125081956386566},{"text":"Yeah. Awesome. The new office is fantastic. We've got art pieces everywhere.","start_word":1120,"end_word":1131,"sentiment":"positive","sentiment_score":0.5856637954711914},{"text":"Everything is in oak view, tree themed rooms, all that Yes. kind of I thing. did bring that update.","start_word":1132,"end_word":1150,"sentiment":"neutral","sentiment_score":0.2864020764827728},{"text":"That's cool.","start_word":1151,"end_word":1152,"sentiment":"positive","sentiment_score":0.591995894908905},{"text":"We got fancy coffee machines if you're that way inclined as well. Absolutely. So I'm gonna just quickly do a little look. Unit 14 at 52 Queen Street, Southport. Yep. Now do you know off the top of your head how much it was valued at and how much you have owing on that? I'm not a 100% sure what it was valued at, but I can tell you exactly what's owing if I pull up my account. So we are sitting at a wonderful negative $628,207.10. Fantastic. That's that's gonna be a fun one to knock down over time. Yep. Not the worst I've seen for first homes, but pretty good. Pretty good. The the oldproperty.com.au has it averaging at about 775,000. Does that sound about right? That could be about right. I have heard whispers that it sort of jumped up in the area. That could be that could be right. Yep. Or it could be close to 800,000 kind of thing. So somewhere Oh, between hold on. $7.75, 800, do you think? Yeah. Yeah. Somewhere around there. Perfect. Alright. So we've got a significant change in terms of a mortgage now. So that's Yep. definitely a bit of a difference. Mhmm. Are you you're still working for Hilsey. Right? I am. Yes. Cool. So contributions are still coming in monthly there.","start_word":1153,"end_word":1376,"sentiment":"neutral","sentiment_score":0.03717846795916557},{"text":"That's great.","start_word":1377,"end_word":1378,"sentiment":"positive","sentiment_score":0.46089407801628113},{"text":"They have just changed the legislation for that to come in with the pay. So Okay. if Yep. you're paid weekly, once we get to July, your contributions will be coming in weekly as well. Okay. Does that have any effect on the actual super itself in terms of, like, any transaction fees or anything? Does that, like, create anything else if it's deposited weekly as opposed to monthly? I'm just So curious.","start_word":1379,"end_word":1451,"sentiment":"neutral","sentiment_score":0.08785256906731488},{"text":"it has purely a fantastic effect. Cool. Fantastic question too.","start_word":1452,"end_word":1461,"sentiment":"positive","sentiment_score":0.5211397409439087},{"text":"The negative would be is if we were doing more transactions per month, Mhmm. you may get brokerage fees to purchase the investments that we've recommended Right. for you because Okay. they're EPS. Yep. Yep. That's fine. Now what tends to happen, though, is that they do, like, some rebalancing every month with Hub, but your contributions get to go in there weekly. So, basically, it does two things, investing quicker and investing longer, so more Yep. compounding returns. And, also, have you ever heard of dollar cost averaging before? Cool. No. Cool. So think of it like this. If you have a graph that's zigzagging up and down like the stock market does, if you put in one contribution for a year and the stock market tumbles, your super just tumbles with it. But Mhmm. if Right. you put it in gradually weekly throughout the year, you get to smooth out that entry point. So it smooths Oh, I out see. the fluctuations. Yep. I see. Yep. Yep. Yep. Mhmm. So if you ever told me I have $200,000 to invest, Tommy, I would probably spread it out over a period of time and not just whack it all into some shares on one day. Right. I see. Okay?","start_word":1462,"end_word":1671,"sentiment":"neutral","sentiment_score":0.01416952721774578},{"text":"So that is fantastic.","start_word":1672,"end_word":1675,"sentiment":"positive","sentiment_score":0.4626501202583313},{"text":"With work, are you still a sales agent earning around about 52? I'm assuming they've bumped you up a bit. I'm actually not. I'm actually up in the rentals department now, and my salary has just changed to, well, supposed to be 70,000, but it works out to $69.09 $9.08 a year. $9.09 8. I'm gonna put the exact in because that's brilliant. We don't often get the exact. So when I get one, I'll take it. Because I rarely work out because I put it into my calculator and I went, I'm stiff $2 off my 70,000, but. Look.","start_word":1676,"end_word":1775,"sentiment":"neutral","sentiment_score":0.04505275838077069},{"text":"Good luck negotiating the $2 pay rise per year.","start_word":1776,"end_word":1784,"sentiment":"positive","sentiment_score":0.34591996669769287},{"text":"I reckon I reckon you'd have all kinds of arguments for it. I A reckon 100 you'll get percent. it. So rentals department, you guys obviously bounce between office and inspections through the Yeah. Yeah. So running of inspections, property management assistance, just that kind of thing. Yep. Do you have a bit of a percentage split between how much you would be on the road versus in office? Don't know. I don't know exactly. It does depend. It depends if a full week of inspection falls into my lap or if it doesn't. So it could honestly, it could range anywhere from, like, a seventy thirty ratio to, like, a fifty fifty or, like, a 100% out on the road every day. Yeah. Anywhere anywhere between 50 to a 100 for the week. Yeah. You you'd be full time, of course, about thirty Yep. eight hours, usual Yep. thing. Yep.","start_word":1785,"end_word":1935,"sentiment":"neutral","sentiment_score":0.03960191085934639},{"text":"Beautiful.","start_word":1936,"end_word":1936,"sentiment":"positive","sentiment_score":0.4330591559410095},{"text":"Do we have you did have you did have a diploma in fashion textiles and Yeah. marketing. Yes. I did. Yeah. I did. You've got your on top of that, you'd have your lighting license, I'm assuming. Yes. Yes. I have my certificate. Yep. Yep. And do you have anything else like bachelor's degrees, anything like that, like postgraduate, anything to add No. on top? No. Nothing else. No. That's perfect. Alright. So that's all updated. Do you have anything else in the way of assets and liabilities? Do you guys have significant savings there sitting in offset or a rainy day fund, or has that all kind of been depleted? No. A lot of that did get depleted without deposit. I had a pretty strong amount in my savings, but a lot of that obviously went towards the deposit, and then we did do a little bit of work in the property as well. Yep. So I got about $10 to my name right now. Hey.","start_word":1937,"end_word":2103,"sentiment":"neutral","sentiment_score":0.03547195717692375},{"text":"That's pretty good in this day and Yeah.","start_word":2104,"end_word":2111,"sentiment":"positive","sentiment_score":0.6095588803291321},{"text":"age. There's I know.","start_word":2112,"end_word":2115,"sentiment":"neutral","sentiment_score":0.21367698907852173},{"text":"people running around paycheck to paycheck, so 10 grand's pretty good.","start_word":2116,"end_word":2126,"sentiment":"positive","sentiment_score":0.4221644401550293},{"text":"I know. We had a motor vehicle at about $20,000 where you were owing just under 10. Do you still have a vehicle loan? No. I don't. So I actually discharged that outright last year sometime. I can't believe I didn't update you guys on that.","start_word":2127,"end_word":2172,"sentiment":"neutral","sentiment_score":-0.11327454447746275},{"text":"That's so bad.","start_word":2173,"end_word":2175,"sentiment":"negative","sentiment_score":-0.41698989272117615},{"text":"So No. That's yes. No. not the biggest I thing for us. It's like, we're not gonna tell you to sell your car to put into your super or anything like that. It's no. just I said to get no. a good snapshot. Yeah. So No. So I'm on my car now. same car, no debt. Yep.","start_word":2176,"end_word":2232,"sentiment":"neutral","sentiment_score":-0.12313272058963776},{"text":"Beautiful.","start_word":2233,"end_word":2233,"sentiment":"positive","sentiment_score":0.4066382646560669},{"text":"Anything else in terms of shares, crypto, million dollars under the mattress? No. I wish. I have some coins that I've done nothing with in crypto like, I don't know, five or six years. I don't even look at it anymore. I just ignore it. It Yep. doesn't exist in my eyes. It doesn't exist. I don't have anything in shares or anything like that. It is something I would really like to get into, but it's Mhmm. not something that I've done yet. Okay. So what about loans and liabilities, personal loans, anything like that, or is it all No. just wrapped up in the mortgage now? No. All wrapped up in the mortgage now. Cool. So because we still have many, many years until retirement, Yep. you've got Yep. a nice big new mortgage, which is always nice to adjust to, interest rates going up and budgeting changes and things like that. Do you want to revisit personal investment at some point over the next three to five years to try and get something growing alongside it, whether that Yep. be property shares, managed funds? What are you thinking? Yeah. Yeah. Definitely. Definitely interested in shares in the stock market. Eventually, my partner and I would maybe like to have this property as an investment, but that's obviously three to five years in the future. We might revisit Yep. that. We obviously might not do that. We might sell it to buy a bigger house later in the future. Not too sure, but definitely an immediate thought is to get into the stock share market. That's something that I'm very interested in.","start_word":2234,"end_word":2507,"sentiment":"neutral","sentiment_score":-0.003528072423961041},{"text":"Perfect.","start_word":2508,"end_word":2508,"sentiment":"positive","sentiment_score":0.7296997308731079},{"text":"So one of the things that we do pretty heavily and because it's been a couple of years for you now in our financial services guide or Oakview services guide, we have this lovely little tree diagram called the wealth cycle, Yep. and it talks through it's an analogy talking about setting your roots and building a trunk and branching out and seedlings and all this kind of thing. What Yep. it really comes down to is moving through life stages. Yep. So we'd originally reviewed your super, getting that growing faster. Yep. Next stage after Yep. that, you've gotten the house. Then we can slowly branch into investment properties, debt management strategies to pay it off quicker, Yep. personal investments, all that kind of thing. So Yep. we slowly move through them. Once you've got that, let's say you upgrade to the next home, rent out your current one, you then have two big assets, Mhmm. which you can start to use to invest from. Or if you prefer, you can invest with your own savings and cash flow Mhmm. rather than just borrowing all the time to get more investments and more assets. Yep. We can kind of guide you through either direction. It Cool. just depends on time frames. Do you wanna Yep. look at it once you've paid down the mortgage to a certain amount? Do you wanna look at it once you've built up, say, 50,000 in savings? When would be a good time to revisit it kind of thing? I would be relooking at it. I don't know. I always hear the phrase the best time to invest was yesterday, so I'm happy to utilize the little cash flow that I get in at the moment.","start_word":2509,"end_word":2800,"sentiment":"neutral","sentiment_score":0.14662575721740723},{"text":"I have no issue with that at all. Amazing.","start_word":2801,"end_word":2809,"sentiment":"positive","sentiment_score":0.4002589285373688},{"text":"So when it comes to cash flow, you've got this current position. How much can you set aside as surplus cash flow at the moment? At the moment, I was looking at my little spreadsheet that I have. Hold on. I'll pull up and have a look. Okay. Okay. After I put any money into my savings account, I have just over a $100 left over. If I were to pull a little bit out what I was going to put into my savings account, I could bump that up to a 150 or 200. I've I have some that's going into my ING savings account at the moment, Yeah.","start_word":2810,"end_word":2919,"sentiment":"neutral","sentiment_score":0.10487689213319258},{"text":"but I know that that's sort of pretty stagnant. That's only gonna grow as fast as whatever the interest rate is and stuff.","start_word":2920,"end_word":2942,"sentiment":"negative","sentiment_score":-0.3569231331348419},{"text":"So I can make whatever the amount I think would be appropriate to, like, put in and towards it is something that I would be happy to work around and do. I do get conflicted between that and then obviously putting extra money into the offset account as well. Yeah. So I I I sit in a bit of a limbo there. Like, I could I could look towards putting, you know, maybe an extra $500 a month or something towards it, but then I go, oh, should I really put that into my offset? So I don't I don't really know. Yeah. Well, there's nothing bad about pulling cash into an offset account because, of course, it's liquid, Yeah. and then you can pull it on to purchase a car. If something happens, you can then invest it later. So Yep. piling cash in there is only ever beneficial. Yeah. Yeah. That's right. So when it comes to the landscape of investing, the the quick and dirty of it, I would say, is you've got a hub twenty four super fund. Mhmm. They're kind of like the Ferrari Rolls Royce of super platforms because they Yep. have the most investment options, but Mhmm. that makes them a little bit more expensive. Yep. So if you were to jump in and, for example, they do offer personal investment accounts Mhmm. alongside your super, you can actually have your super and an investment identical, mirroring each other side by side on the one login. Yep. That is something that we do a lot of where people will put in, for example, $50,000 into that, and we can invest it identically to the super and some really high growth assets, or Yep. we can make it conservative.","start_word":2943,"end_word":3237,"sentiment":"neutral","sentiment_score":0.057205745097944294},{"text":"We can pick and choose and build the portfolio. We can make Okay. it safe.","start_word":3238,"end_word":3252,"sentiment":"positive","sentiment_score":0.3880104422569275},{"text":"We can make it medium risk. We can make it high risk. Interesting. The problem that you get is because it's a $180 flat fee per year plus percentage based fees is you don't wanna put in, for example, like, $10, and then it gets eaten away by fees and the returns don't take Mhmm. it anywhere. Correct. Yep. Once you have the account open, you only really need to put in, say, 50 a week to dip your toe in the water Yep. and start that rolling because it's like $200 a month is kind of like a minimum investment amount. Yep. Now below that, you've obviously gotten crypto before. You can easily set up, for example, like a Comsec trading account Okay. or a Navtrade account. And if you wanted to buy some shares or ETFs or something like that, you could jump into that. And the only cost is the brokerage, which is, like, $18.50 or something like that. Yes. Yep. Yep. I did actually set up one of those. I just didn't do anything with it. I think I have, like, three on a watch list, which is, like, the BGS, the VAS, and the NDQ. Yes. Those So are the ones what I was I would looking be at. saying, I would not be giving you, like, a full advice piece on doing a little bit of investing in your brokerage account because Yeah. Yeah. any fees I would charge you wouldn't be any point if you can literally go on there and pick a Vanguard high growth fund or pick a few different investments and and let it go for a while. Yep. Yep. But if we do get to a point where we wanna use a platform, whether it's Hub twenty four or someone a bit more affordable because there's Yep. options everywhere, Yep.","start_word":3253,"end_word":3563,"sentiment":"neutral","sentiment_score":0.07780645042657852},{"text":"we can definitely look out, okay, do we start with $10.","start_word":3564,"end_word":3574,"sentiment":"positive","sentiment_score":0.36113297939300537},{"text":"20, or 50?","start_word":3574,"end_word":3576,"sentiment":"neutral","sentiment_score":0.2668510973453522},{"text":"And, again, that 200 a month is kind of a a good starting point. Okay. Cool. Well, that's good to know. Cool?","start_word":3577,"end_word":3598,"sentiment":"positive","sentiment_score":0.4796463792974298},{"text":"Yes. Wait. When we get to that point, we'll also do a separate risk profile. So what we would kinda do is say your super is invested this way because it's for retirement. But if Mhmm. you're wanting to invest personally and you're gonna access it in three, five, ten years, whatever it is, we need to invest you slightly differently. Okay. So we would actually go through a whole questionnaire again Yeah. and split the way we're investing into two different portfolios. Yeah. Okay. And that's sort of similar to be, like, where does your risk profile fit? Like, how how risky do you wanna be? That kind of thing. Hey. How often are you? Yes. I hear what you're saying. Yep. And that's really because if you can't touch your super for thirty years, well, go for it. Go for growth. Go for as much as you want to try and build up to a million dollars. And then when you get close to retirement, you can then protect it. Yep. So you can build it for thirty years, and then when you're in your late fifties, you can slowly start making it safer. Because, of course, you don't wanna be high risk at the age of 64, Yep. and No. then the stock market wipes out half of your super before you access it. Yep. Yeah. For sure. Whereas completely different ballpark when it comes to personal, some people are investing. So when their kids are 18, they've got a house deposit. Some people wanna do it for an early retirement in their fifties. Other Yep. people just wanna grow it faster than the mortgage. Yep. Okay. K. Any sort of questions on that? Any thoughts or ideas? No. No. All of that sounds pretty good. Cool. So that will be something where I'm gonna put that down as the goals Yep. for Yeah.","start_word":3599,"end_word":3915,"sentiment":"neutral","sentiment_score":0.05004280060529709},{"text":"Awesome.","start_word":3916,"end_word":3916,"sentiment":"positive","sentiment_score":0.4762580692768097},{"text":"The mortgage, future investment, and every year, we're gonna slowly touch on it. And Yep. when it comes time to do it, we'll jump in together.","start_word":3917,"end_word":3942,"sentiment":"neutral","sentiment_score":0.24040687084198},{"text":"Sweet. Amazing. That sounds so good. Cool. Cool.","start_word":3943,"end_word":3950,"sentiment":"positive","sentiment_score":0.599615752696991},{"text":"Speaking about your hub portfolio while we're on the subject, I'll go through that report with you. Do you have open your hub twenty four performance report by any chance? Yep. My performance report. No. I have my hub 24 open at the moment. How do we even get the performance So report? that email I sent you, I Oh, extracted it's one in of those. there. Yep. Your Yep. login is different than an adviser's login, so you've got less reports to look at than we Yep. do. So that's why we always pop one of these out Sure. for you. Oh, yep. Okay. Yep. I've just got it up now. Now can you see a nice big blue table with a smattering of figures and codes? Yep. Okay. So Yep. how you interpret this one, left hand side is all your investments, and Mhmm. the very, very far right is the percentage return of those investments. Right. And the next page, it has Yep. a single line for your overall portfolio. Okay. So my figures will be slightly different to yours because I've just generated them before the call. Mhmm. Yep. On the left hand side, you've got your Bennelong Australian shares. That Yep. one, can you see how it's in brackets on the right hand side? So the percent is in, like, a little bracket symbols. Oh, yes. Yes. Yes. Yes. Yep. So that one's actually going down for the year. Okay. Yep. Now all the other ones I can see there underneath it, your bank hybrids, that's like your safe investments that aim for the three to 5%. That's fine. Cybersecurity, Yep. funnily enough, went down a little bit even though it's such a big thing with AI these days. Yep.","start_word":3951,"end_word":4245,"sentiment":"neutral","sentiment_score":0.03691045939922333},{"text":"Everything else is looking really, really strong.","start_word":4246,"end_word":4252,"sentiment":"positive","sentiment_score":0.3389780521392822},{"text":"Your Okay. Australian Cool. shares underneath that, 24%.","start_word":4253,"end_word":4260,"sentiment":"neutral","sentiment_score":0.2067134827375412},{"text":"You had a huge benefit from the electric vehicle search.","start_word":4261,"end_word":4270,"sentiment":"positive","sentiment_score":0.529066801071167},{"text":"Your Uh-huh. Interesting. Of battery course. tech With the and fuel lithium, car, there a is 100 and of course. 14%. Yep.","start_word":4271,"end_word":4292,"sentiment":"neutral","sentiment_score":0.12659744918346405},{"text":"So that's been massive.","start_word":4293,"end_word":4296,"sentiment":"positive","sentiment_score":0.359850138425827},{"text":"Your Mhmm. gold allocation went up almost 27%, Mhmm. Yes. I heard going up. Yep. and then your American shares another 17%, and property went up a little bit too. Yep.","start_word":4297,"end_word":4327,"sentiment":"neutral","sentiment_score":0.1871008574962616},{"text":"Cool. So overall, everything's had huge growth.","start_word":4328,"end_word":4334,"sentiment":"positive","sentiment_score":0.6197533011436462},{"text":"After fees, 14.3 14.35 return as of today. Yep.","start_word":4335,"end_word":4343,"sentiment":"neutral","sentiment_score":0.3128100335597992},{"text":"Yep. We're aiming for a long term average of double digits. So anything above 10, we're on track. Cool. Awesome.","start_word":4344,"end_word":4363,"sentiment":"positive","sentiment_score":0.48668602108955383},{"text":"Now with your risk level, because you're in that high growth, you Mhmm. have 90% in growth assets, shares, Yep. property, high risk, high return, and that's obviously for the high long term growth. When Yep. you get close to retirement, in that last seven to ten years, we will gradually reduce you down eighty, seventy, sixty, fifty, 40, and Mhmm. that's your pension account, your conservative pension account to live off. Okay. So as long as you're okay with it being that kind of roller coaster in between, value wise, I think you came on with about 44,000. You're Yes. sitting at $73.04 50. Yep. Quick idea about volatility just so I can make sure you're comfortable. Mhmm. You went from 73 down to 68 Yep. and then back up to 73 all in Yeah. the span of a month. Yep. Yep. I think that has So something to do with Trump from memory. Yeah. So $5 up and down in a single month is very normal for high growth. Yep. What it basically comes out to be like is, let's say, your your contribution's at 70,000. You're getting around about 8,000 into your super. Mhmm. 10% return on a $70 balance is 7,000. So Yep. you're almost at a point where your returns are gonna be equaling your contributions. Okay. But once you go above that and you've got 200,000, 500,000, now we start getting returns of twenty, thirty, forty, fifty Yep. up and down in a single year. Okay. So it takes a little while to get going, but once Yep. it does, the compounding just takes off. And Yep. then in those last fifteen years, you go from 400 to a million, and then you've got to try and protect it. Yep. Okay. Now everything that you've pretty much got is these low fee ETFs. So Mhmm. they follow those different sectors and countries and assets very closely, and they're Yep.","start_word":4364,"end_word":4688,"sentiment":"neutral","sentiment_score":0.07430911276202935},{"text":"very low fee, very good long term returns, but they just follow what's going on in the world.","start_word":4689,"end_word":4706,"sentiment":"positive","sentiment_score":0.37301281094551086},{"text":"Yep. So you have to be comfortable with that dollar cost averaging I was talking about. Your Yep. contributions go in. They're buying very regularly. If Mhmm. the market dips, we just use it as a buying opportunity. Yep. For sure. So you're okay with that? Yep.","start_word":4707,"end_word":4753,"sentiment":"neutral","sentiment_score":0.17016558349132538},{"text":"I'm I'm okay with that. Perfect.","start_word":4754,"end_word":4759,"sentiment":"positive","sentiment_score":0.3859571814537048},{"text":"I think the only thing that I would do is that one Australian shares option that's in the negative. That Mhmm. actually shouldn't be in the negative. Most Yep. Australian share funds are positive two or 3%, not Mhmm. down nine. Which And one the was Australian that one? Was it the Better Bank one? Sorry. been along at the top. Oh, I've been along right at the top. Oh, yep. Okay. Yeah. Yep. Yep. Yep. So, normally, if you have one out of eight options underperforming, I would put a flag on it and say, let's watch it. Yep. But I'm quite familiar with this fund, and we've been talking as an entire company in a licensed group, and we don't think it's going to pop back. Yep. Okay. Yep. So just to optimize things, I know it's been returning well. I would like to get you a switch out of that one option and Mhmm. basically keep most of the rest of it the same. Yep. No. That's okay.","start_word":4760,"end_word":4930,"sentiment":"neutral","sentiment_score":-0.012659959495067596},{"text":"I'm okay with that. Cool.","start_word":4931,"end_word":4935,"sentiment":"positive","sentiment_score":0.39627400040626526},{"text":"Now I do have one question for you because you get Mhmm. to pick style of investment. I've got Mhmm. many alternatives for you. If you had to pick between lowest fees or pay more and try and get a higher return, which way does your gut feeling lean towards? Probably a higher return because I just feel like a higher return is gonna balance out the fees in the long run. Would that be fair to say? Yeah. Absolutely. And I don't have too much of a personal preference in it because I Mhmm. can pick the best low fee, the best high fee options available. We do have a couple on menu that we've been looking at. So Yep. if you're okay for that, I will do a little bit of research and a comparison and update Mhmm. your statement of advice document, and Okay. I'll run you through it before we change anything. Yep.","start_word":4936,"end_word":5092,"sentiment":"neutral","sentiment_score":0.1087156001264882},{"text":"Amazing. Perfect. Alright.","start_word":5093,"end_word":5095,"sentiment":"positive","sentiment_score":0.5766977071762085},{"text":"Any other questions on the super so far? No. Not so far. But I've been I've been actually quite impressed with it jumping up from 44 to 73 in, like, I don't know. What was it? 23 or '24 to '26.","start_word":5096,"end_word":5136,"sentiment":"neutral","sentiment_score":0.24441885948181152},{"text":"I was quite happy with that so far. Yeah. That's awesome.","start_word":5137,"end_word":5147,"sentiment":"positive","sentiment_score":0.4707225263118744},{"text":"I mean, I think it came So in it's rolled in in November '23. So, yeah, it's yeah. kind of coming close to that two and a half year mark. Yeah. Yeah. Now when it comes to the admin side, Mhmm. we don't have your beneficiary nomination on your hub account, so who it goes to if you were No. to pass Because away. I think I think when we spoke, I spoke about that with somebody else last time. Beneficiaries, is that is that for, like, your children and stuff? Because you can't have family members on that. Is that right? Is that accurate? Well, you generally, a valid nominee would be someone who's financially dependent. So Yes. spouse, child, someone who lives with you that you look after, Yep. not really brother, sister, grandparents, that kind of thing. Yep. That's what I thought. Yep. Now can I just quickly check? And I do apologize. It's okay. Did you say that you bought a house with somebody? Yes. I did. My partner. I was I was just staring at your original fact find where you were single at the time, and I was like, hang on. I I swear are you guys engaged or married or de facto? No.","start_word":5148,"end_word":5357,"sentiment":"neutral","sentiment_score":0.019772953078860327},{"text":"He's slow. I would consider us to be de facto.","start_word":5358,"end_word":5367,"sentiment":"negative","sentiment_score":-0.3489302098751068},{"text":"He and I de facto. He's slow. Look. I was seven years slow too, but they get there eventually. Seven years. Hey. We've been together Oh, for twelve coming on 13. We've got our third child baby. on the way in June, so No. I got there Congratulations. eventually.","start_word":5368,"end_word":5416,"sentiment":"neutral","sentiment_score":0.0020573316141963005},{"text":"Thanks.","start_word":5417,"end_word":5417,"sentiment":"positive","sentiment_score":0.4034740924835205},{"text":"Yes. That's well, that that's fair enough then. We're only been together three. So you know?","start_word":5418,"end_word":5433,"sentiment":"neutral","sentiment_score":0.204614982008934},{"text":"Perfect.","start_word":5434,"end_word":5434,"sentiment":"positive","sentiment_score":0.4306050539016723},{"text":"So I'll put him as de facto. Yep. Do you want him to be listed as your next of kin in place of Heidi, like emergency contact for us. Oh, as an emergency contact? Yeah. That that would actually be ideal. My sister lives in Canberra. So Perfect. Can I please take down his full name and phone number by any chance? yep. So the first name is just Reuben, r e u b e Yep. n, Healy, h e a l y. Alright. Ruben Healy, e u b e n. Healy, Yep. h e a l y. Yep. And And the phone number. and phone number? Yep. Go for it. Yep. So 0467376213. Zero four six seven three seven six 213. Perfect. Do you want Ruben nominated to receive your super if you pass away? Do you wanna kind of leave it with no nomination? What are you thinking? I'll leave it with no nomination for now. What would happen actually in the event? What would actually happen to it if that would happen tomorrow? Well, let me ask you this. Do you have a will in place at the moment? No. I don't. No. So most everything of yours will go to, like, public trustee. People Right. will pop their hand up. I'm sister. I'm spouse, whatever it No. is. Yes. And the Yep. government will have to try and figure that out between the super, the house ownership. I guess the rule of survivorship probably go to your spouse Yep. house wise, so that's Yep. okay. But Yep. your shoes, your bank account, that kind of thing. Yeah. Okay. Oh, look. We can put him down as a beneficiary. Are you sure? You don't have to. Yeah. Yeah. We can do that.","start_word":5435,"end_word":5729,"sentiment":"neutral","sentiment_score":0.023313663543154627},{"text":"Oh, cool. Make sure to tell him that you're thinking in that way, and then hopefully that urges him along a little bit quicker.","start_word":5730,"end_word":5753,"sentiment":"positive","sentiment_score":0.4878208041191101},{"text":"Yeah. So you do have we'll send out some forms. You do have to, like, wet sign them ink pen because Yep. it's a legal document, get them witnessed. Yep.","start_word":5754,"end_word":5783,"sentiment":"neutral","sentiment_score":0.15196262300014496},{"text":"We've got a lot lovely little instruction letter over the top so you Yep. can't miss it.","start_word":5784,"end_word":5800,"sentiment":"positive","sentiment_score":0.5378416180610657},{"text":"You Yep. do get to choose between whether you want the nomination to lapse or be continuous. So it Okay. can expire every three years, or it Mhmm. can just continue on until you change it. Do you have a preference between the two? What what do most people do? Well, usually, I've got someone whose marriage is like, just put it continuous so I don't have to think about it. And other people, it's like, you know what?","start_word":5801,"end_word":5879,"sentiment":"neutral","sentiment_score":0.14589519798755646},{"text":"If I have to review it every three years, that's nice because my life's gonna change.","start_word":5880,"end_word":5895,"sentiment":"positive","sentiment_score":0.36024409532546997},{"text":"Mhmm. Really no Yeah. wrong answer there. Yeah. Okay. Well, that's fair. We'll do it as a every three years review kind of thing. That's fair. Yep. Lapsing. And Yep. this is a bit of a silly question, but you do have the option to make it legally binding or nonlegally binding, which means the super fund has discretion. Interesting. I don't know why anyone would choose nonbinding. I think some industry super funds have people nominating dogs and brothers, and anything can be a nonbinding nomination because it's like, hey. It may work. It may not. That But is generally so weird. speaking, legally binding is the way to go. Alright. No. That's I'll make a note for him. Do you want us to prefill any of his details on the form, or are you okay to fill that fine. in? No. I can fill that in. That's fine.","start_word":5896,"end_word":6045,"sentiment":"neutral","sentiment_score":-0.001272282029191653},{"text":"Cool. I'll send that through to you.","start_word":6046,"end_word":6052,"sentiment":"positive","sentiment_score":0.4793791472911834},{"text":"Now when it comes to cash flow, the last question I did have for you on that before the last topic Yep. is contributions. Do you wanna look at any salary sacrifice because you did just get a big mortgage in October? So cash flow priorities between debt, savings, super, and investing, how would you rank those four? Wait. Sorry. Can you repeat that last question? So in terms of putting extra contributions into your super, Yep. the old salary sacrifice tax deduction there, Mhmm. what I'm really thinking here is what are your cash flow priorities? Is it build up the savings, pay off the mortgage, do some personal investment, or is it bumping up your super? It's probably closer to building up my savings and Cool. Savings and investing first. And, look, there's plenty of things you can do for super down the line. If you're earning decent amount and in high growth, it tends to take care of itself. If you need to do $50 of salary sacrifice in your late forties, that's possible. Yep. You Yep. can do transition strategies, heaps of things.","start_word":6053,"end_word":6239,"sentiment":"neutral","sentiment_score":0.11536449193954468},{"text":"So Cool.","start_word":6240,"end_word":6241,"sentiment":"positive","sentiment_score":0.4342896342277527},{"text":"I'll put your priorities down as savings and investing for the time being Yep. just so we're not constantly asking you, would you like to put extra money in your super, which I know that if we've they got some investing do. to do, no Yep. point All walking away good. until 60. Yep. Cool. Alright. So savings investing is there. When it comes to your insurance situation, Mhmm. that one was a little bit tricky. I was just having a look at it there. Did you want me to get any kind of quotes for, like, life insurance to pay off the mortgage or something like that? Yeah. You can. What are those what are those sort of costs look like? So that's what I'm trying to kind of I'm just getting a bit of a mental picture here. So you're currently low oh, hang on.","start_word":6242,"end_word":6388,"sentiment":"neutral","sentiment_score":0.06251909832159679},{"text":"My brain's gone.","start_word":6389,"end_word":6391,"sentiment":"negative","sentiment_score":-0.36620673537254333},{"text":"$20.25, $19.95, 30. Sorry. Just turned 30. No. We're good.","start_word":6392,"end_word":6401,"sentiment":"neutral","sentiment_score":0.047578271478414536},{"text":"30 is the sweet spot for pricing.","start_word":6402,"end_word":6408,"sentiment":"positive","sentiment_score":0.3577972948551178},{"text":"Yep. That's not just me saying that because I don't like selling insurance. But generally speaking, I did an analysis in 2014 when I entered the industry, and '29 and '30 is the cheapest year. For Mhmm. some Yep.","start_word":6409,"end_word":6447,"sentiment":"neutral","sentiment_score":-0.058966077864170074},{"text":"reason, an 18 year old is more risky, and everyone after 30 has health problems.","start_word":6448,"end_word":6462,"sentiment":"negative","sentiment_score":-0.35130733251571655},{"text":"So Okay. Fair enough. so the logic makes sense, but it was interesting to find. Now because you're in real estate, pretty well office based, I think rental side of things isn't too much of a risk on the occupation ratings, so that's okay. Yep. Possibly just like white collar, which is nice and cheap. Yep. We did have you listed down as a smoker, smoker or vapor or something like that. Yeah. So that doubles the price, Yep.","start_word":6463,"end_word":6541,"sentiment":"neutral","sentiment_score":0.024605216458439827},{"text":"which is painful.","start_word":6542,"end_word":6544,"sentiment":"negative","sentiment_score":-0.4462997615337372},{"text":"Yeah. If you're ever twelve months nicotine free, they'd class you as a nonsmoker, Okay. and that chops down quite a bit. Yep. You did have, just in terms of previous health concerns, medication for headaches back Yeah. many That's years ago. Still doing that. correct. Yes. But looking to looking for a long term solution to not have to take it. Yeah. Absolutely. Now is there any other like, is there an underlying condition there that's been diagnosed or anything like that? No. No. It's just purely tension headaches from Yep. anxiety. That's all that is.","start_word":6545,"end_word":6641,"sentiment":"neutral","sentiment_score":-0.023472800850868225},{"text":"Awesome.","start_word":6642,"end_word":6642,"sentiment":"positive","sentiment_score":0.3957956731319427},{"text":"So when it comes to insurance side of things, I can get quotes. I can just keep it at that mortgage level for, say, life insurance disability cover. So you Yep. pass away, never work again, mortgage is paid off for your partner, Yep. future family, and so on. Is Yep. that something you want me to kind of do some research on and see what it looks like? Yes. That would be good. I am looking to quit. So that it can to be to be considered a nonsmoker after what was it? Twelve months? Yeah. Okay. Because I I am looking to do that. Yes. I've been actively So looking, let's say the prices are too expensive at the moment. actually. Yep. We call you up in a year's time and we do a review, and you said, Mhmm. yep. After our conversation, I quit smoking straight away, Yep. then we can do some quotes as a nonsmoker's rates at the next review too. Yep. Okay.","start_word":6643,"end_word":6810,"sentiment":"neutral","sentiment_score":0.0689398474059999},{"text":"Perfect.","start_word":6811,"end_word":6811,"sentiment":"positive","sentiment_score":0.4430366456508637},{"text":"What about I have to run through all four of them. I do apologize. That's okay. Life and TPD, that's your life insurance disability. Mhmm. There is income protection as well, which is income replacement if you're out of work for more than, say, a month Yep. to replace 70% of your income so you can keep the mortgage going. Is that important for you guys too? I'm led by you on that one. I would I I would say it's important, but I I don't think that that's gonna happen to me when he comes in, but I guess all people say that, don't they? Yeah. It's one of those annoying ones where income protection is the most expensive but the most claimed on because everyone's got something that pops up whether off work for three months, six Yep. months, whatever Yeah. it is. Yep. I tend to it's purely up to you, but I tend to have a bit of a flag point on pricing where if it goes above 30% of your contributions, it starts to really eat at your super and slow down the growth. Mhmm. Yep. So for example, I could basically say you're on $69.09 $9.08. 12% of that is 8,400, and 30% of that is 2,500. So, potentially, if total premiums for three insurance policies under 2 grands, I Mhmm. would possibly recommend it. Yep. Thoughts on that? Is that is that the 2,000 a year, is it? Yes. So let's say Yep. it was a 2,000 premium. You get, like, a 15% rebate off of that, Yep. drops But it to about $18.50. it's not too bad, I guess, guess, is it? Yeah. Realistically, I I like to see people in our age group under 1,500 in total. Yep. Yep. If the smokers rates are gonna push you up closer to 2,000, potentially. Yeah. Yeah. Yep. If I do the quotes and it's 3,000, I'm not even gonna consider Yep. it. Yep. Yep. K? So what I'll do is I'll put together that update for the investment switch, Mhmm.","start_word":6812,"end_word":7158,"sentiment":"neutral","sentiment_score":-0.009159119493765517},{"text":"and then I'll get you some life TPD and income protection quotes as well. I'm gonna recommend all of it, and then you can just write into the document what you would like to go ahead with or not. Okay. Cool. Cool.","start_word":7159,"end_word":7200,"sentiment":"positive","sentiment_score":0.3898076117038727},{"text":"You do get to choose between a waiting period and a benefit period. So Mhmm. thirty days is standard. You're out of work for a month. You can go push it out to sixty days or ninety days to make it more affordable if you can Yeah. last two months, three months on savings and partner's income. Yep. The other side is benefit period. They can pay you monthly for two years, five years, or age 65 all the way through to basically retirement. Right. I can guarantee right now if I did thirty days age 65, which is the big one, with smokers' rates, we're we're talking 3 and a half thousand. Yep. Yeah. Okay. So do you have any idea about how long you could go without your income for? No. I actually don't. Not too sure. If if I was out of work, like, tomorrow two, three, four. Yeah. I could I could probably, yes, see out maybe two months just as myself personally. Obviously, I've got my partner, so it could be a little bit longer. But me just by myself right Yep. now, maybe, like, that two month mark, probably. Okay. So what I will do is would you say it's more important to make sure that mortgage is covered off for, like, the life insurance disability, or is the income protection more important for you? I'd probably say the probably say the I guess the that's a tough one. Hey. I know. I'm so sorry to bombard you with all the tough questions. That's okay. Loan or income protection? Probably Okay.","start_word":7201,"end_word":7467,"sentiment":"neutral","sentiment_score":0.0009625188531947048},{"text":"Perfect.","start_word":7468,"end_word":7468,"sentiment":"positive","sentiment_score":0.4546280801296234},{"text":"So what I'm gonna do is I'm loan. gonna start with the life and disability covering the mortgage. That'll Mhmm. be the baseline cover. Yep. Then I'm gonna try and work income protection on top. Yep. And if thirty days, age 65 pushes that to $4,000, I'm gonna start trimming it down. Yep. I will leave it as a maximum of sixty days, Mhmm. and I'll just work back the benefit period from a sixty five, five years, two years until Yep. I get to an affordable amount or chop it. Okay. Yep. Okay.","start_word":7469,"end_word":7562,"sentiment":"neutral","sentiment_score":0.10065071284770966},{"text":"Cool. Sounds good.","start_word":7563,"end_word":7565,"sentiment":"positive","sentiment_score":0.5458998084068298},{"text":"Did you want any quotes for trauma insurance, which is heart attack, stroke, and cancer? You can only pay for it out of pocket. Yeah. We can have a look at that. K. So what I'll do, I'll do a standard 100,000 for, like, medical expenses. Your partner can take some time off if you ever have a heart attack or get cancer. Yep. And I just need from you maybe some affordability in terms of a monthly amount. Would 20 a month, $30.40 a month be the maximum, a 100 a month? Like, how important is that, that life event? You mean that 20 is that a percentage? That twenty, thirty, 40, like, how important it is? More so dollars per month because I can kind of work out what the premium is gonna look like. I'm gonna find the most affordable provider. I'll do a comparison across all insurers, find the most affordable. But Yep. how much can you actually afford to pay out of a direct debit potentially for that? Oh, I don't know.","start_word":7566,"end_word":7742,"sentiment":"neutral","sentiment_score":0.0736977681517601},{"text":"And this is the fun thing is because you've got that $152,100 dollars a week of surplus cash flow, there's so many things it goes for.","start_word":7743,"end_word":7768,"sentiment":"positive","sentiment_score":0.48812660574913025},{"text":"Yeah. Savings, mortgage, investment, super insurances.","start_word":7769,"end_word":7774,"sentiment":"neutral","sentiment_score":0.2866542935371399},{"text":"You can spend your money on everything.","start_word":7775,"end_word":7781,"sentiment":"positive","sentiment_score":0.41635429859161377},{"text":"It's about priorities. Yeah. Yep. Did you want me to leave it for now? Just do a quote to see what it comes out like. Yeah. Maybe just a quote to see what it comes out like, because as you said, that that's an that's an out of my pocket charge, isn't it? Correct. Life Yep. keeping in income protection can be through your super. Trauma can only be out of pocket because it can't actually be released from super if you claim on it. Yep. Yeah. Okay. We could probably leave it off for now. Yep.","start_word":7782,"end_word":7878,"sentiment":"neutral","sentiment_score":0.023966778069734573},{"text":"Perfect. Cool.","start_word":7879,"end_word":7880,"sentiment":"positive","sentiment_score":0.40256381034851074},{"text":"So I'll just go live TPD income protection and and Yep. investment switch Yep. and some future investment discussions. Yep.","start_word":7881,"end_word":7900,"sentiment":"neutral","sentiment_score":0.15099424123764038},{"text":"Perfect.","start_word":7901,"end_word":7901,"sentiment":"positive","sentiment_score":0.3734281659126282},{"text":"Now take a take a breath.","start_word":7902,"end_word":7907,"sentiment":"neutral","sentiment_score":0.1543271690607071},{"text":"That's Cool.","start_word":7908,"end_word":7909,"sentiment":"positive","sentiment_score":0.3983668088912964},{"text":"pretty much it. We've gone through everything it is possible to Cool. go through except self Yeah. managed super funds, and I'm not talking about that tonight. That's for sure. Yep. That's fine. Any questions so far on your end? No. All good. Awesome, Emily. So this will take me a couple of weeks to do some research, quotes, all that kind of thing. No. That's I don't wanna go through, like, a full okay. medical questionnaire with you tonight because it could take us half an hour and Yep. don't wanna take up your whole night. That's okay. Just for underwriting purposes, would it be okay for me to get the team to walk through some medical and occupation questions with you over the next fortnight? What we tend to do with it is anonymously preassess with insurers and say, Mhmm. hey. Based on the headaches, anxiety, and so on, is there gonna be a loading where they bump the price up? Is there gonna Yep. be an exclusion on a health condition? And Yep. we just try and make sure we pick the one that's gonna get you the best outcome. Yeah. No. That's fine.","start_word":7910,"end_word":8106,"sentiment":"neutral","sentiment_score":-0.04433843115259548},{"text":"Perfect.","start_word":8107,"end_word":8107,"sentiment":"positive","sentiment_score":0.6564739942550659},{"text":"Is there a good day or time I can book that in with you? You said over the next fortnight. Next Friday, I am actually I finished work at 02:30. So any time next Friday from 02:30 onwards?","start_word":8108,"end_word":8145,"sentiment":"neutral","sentiment_score":0.1330450475215912},{"text":"Perfect.","start_word":8146,"end_word":8146,"sentiment":"positive","sentiment_score":0.3881306052207947},{"text":"And you're in Queensland. Yes. I am. Dang. That is the one time where we are shutting the office at 02:30 because we've got a whole bunch of millennials that do four day work weeks and 07:00 finishes so they can finish early on a Friday. That's okay. That's fine. Other than that, any any day is fine sort of around this time. I knock off work at about 05:00 every other day, and I have a lunch break between twelve and one. So but probably after five is probably best if that's Yeah. available.","start_word":8147,"end_word":8241,"sentiment":"neutral","sentiment_score":0.06396252661943436},{"text":"Perfect.","start_word":8242,"end_word":8242,"sentiment":"positive","sentiment_score":0.4239851832389831},{"text":"Like, we've got everyone going till 07:00 most nights, so So Okay. there will Cool. always be someone that can touch base with you just for twenty minutes, run through the questions, and then we'll go off and do the research. Yep. Sweet. Alright. Any any day over the next two weeks at around 05:30 is fine. Alright. 05:30 onwards any day. Yep.","start_word":8243,"end_word":8305,"sentiment":"neutral","sentiment_score":0.21952559053897855},{"text":"Awesome.","start_word":8306,"end_word":8306,"sentiment":"positive","sentiment_score":0.5325780510902405},{"text":"Now is there any other last questions before I let you go? I don't think so. Cool. That email, like I said, it does have your service agreement there too. Yep. Are you still comfortable for us to look after your super for the next twelve months? Yeah. 100%. Cool. The fees haven't changed. They're still 1.65%. Yep. That caps at 600,000, like I mentioned. So, again, may seem quite far away, but most people our age are gonna get to half 1,000,000, 1,000,000, 2,000,000, and so on. So there Yep. is a cap at that point Yep. just to make sure it's not going too high in those later retirement years. Yep. Cool. That's through there. The Odoo sign document there, it's it's similar to DocuSign, but it's Mhmm. a little bit different. There's a button at the end to download a signed copy. So if Yep. you're comfortable with that, just hit that button. If you miss it and you want a copy of your signed documents, just let the team know, and we can email it through.","start_word":8307,"end_word":8486,"sentiment":"neutral","sentiment_score":0.06927034109830857},{"text":"Awesome.","start_word":8487,"end_word":8487,"sentiment":"positive","sentiment_score":0.510651171207428},{"text":"No.","start_word":8488,"end_word":8488,"sentiment":"neutral","sentiment_score":0.23029355704784393},{"text":"That sounds good. Awesome, Ellie. Well, I've had a fantastic evening talking to you.","start_word":8489,"end_word":8502,"sentiment":"positive","sentiment_score":0.73305344581604},{"text":"Do you have any other questions for me before I let you go? No. That was everything.","start_word":8503,"end_word":8519,"sentiment":"neutral","sentiment_score":0.28371548652648926},{"text":"Thank you. I appreciate your time. That's alright. We'll catch you one evening for the research, and the team will book you in probably in two to three weeks' time to go through that updated portfolio and quotes. Amazing. That sounds great. Awesome, Emily. Have a fantastic evening. Thank you so much for your time. No worries. Same to you. Thanks, Tommy. Bye.","start_word":8520,"end_word":8582,"sentiment":"positive","sentiment_score":0.5638740658760071},{"text":"Bye.","start_word":8583,"end_word":8583,"sentiment":"neutral","sentiment_score":0.2536202669143677}],"average":{"sentiment":"neutral","sentiment_score":0.07824119338908153}}}}