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Fantastic. How's your day been thus far? Oh, that's good. That's really good. I promise to take up too much of your time and interrupt that relaxation for you. Lucas, before we jump into the call, I do have to let you know we do record our calls for quality and training purposes. Are you happy for us to proceed with that? Fantastic. And just to do a quick security check there with you as well just to confirm your full name, your date of birth, and address I should have on file. Yep. Yep. Beautiful. Thank you so much for that. Luke, as part of your annual review, I do send through some compliance documents to you, which does have, some of the documents that I'll go through and explain to you today. Are you able to jump into your emails and grab a hold of that? If not, that's okay. Oh, fantastic. If it can't isn't in your inbox, it might be in your junk mail. I tend to get directed through the junk. You're right. When we're sort of going through the annual review, we'll go through and have a bit of look at your sleep, how it's how it's being obviously performing, look at any additional goals that you have, and what we can maybe do with Fireflies to help you along. Is there any other questions or anything specific you kind of wanted me to touch base on as part of today's call? Or no. That's okay. Do you have a look at your super very often? No. That's okay. That's honestly fine. Sometimes it's the best way. You're still young. You've got a lot of time ahead of you. It's you know, what happens in the next twenty years is important, not so much today. No. All good, Luke. We're essentially having a bit of a look back to give you an update on your super balance. When we sort of touched base and did your annual review last year, your balance number was a 121,001 and 176 in Hub twenty four. Your balance in Hub twenty four as of today's date, so yesterday's date is a 125,323 and 15¢ there. So we have had an increase. Admittedly, all your contributions do go into Australian Super, not so much hub twenty four. So, essentially, it is what the portfolio has been doing on its own. In Australian Super, the current balance last year when we touched base was 19,057, and your balance now is 37,420. So that's increased quite considerably there as well. When we have a look at the super, the performance, and how it is essentially going, majority of your portfolio has been performing quite well. I can see a couple of investments that are slightly underperforming a little bit, and I know your portfolio was kinda updated early twenty twenty five to one of the newer portfolios. Looking at sort of how that's performed from there, I would like to sort of see a little bit more of an increase. There are two investments I would probably look to maybe remove out of there if you're comfortable with me updating the advice for you. But as a whole, the total earnings and the income that's been generated within Hub twenty four over the past twelve months, you've made over $7,483. So it's a bit lower 4% return for the year net of fees. When you kinda look at the sort of portfolio you're in, you were in that high growth environment. So you're sort of wanting to take a more risk trying to obtain greater potential returns. But it also does mean in market volatility and downtimes, and this year has definitely been in a very up and down sort of time within the market and globally. It does mean that you are gonna see lower returns, and that will be reflecting your portfolio there as well. So it is definitely a lower return than what I would like to have seen for this year given your portfolio. But to come out after what we've seen this year with the market volatility and the ups and downs, March and April was kind of the really worst sort of point of that, those ups and downs of what was happening between The US and the Iran war, but also here. In Australia, we had high inflationary rates, which also had an effect on bonds and fixed interest investments as well. So it is lower than I would like, but I am glad you have come out with a positive return after the last twelve months as well. Okay? Beautiful. It is a lot. Did you have any questions? Did you yeah. We've we've gone from 19,000 to about 37%, which is majority of that's your contributions. Yeah. Yeah. No. That's okay. What I would like to do I know one of the things having a look at it I know last year when you spoke to my colleague, we did provide a bit of an update on the investment portfolio. Having a look at the individual investments, you do have one of those investors that's been along Australian equities. That investment specifically has underperformed a little bit within your portfolio there. Normally, we would sort of not wanna be, you know, taking an investment out or cementing a a loss or a downtime with an investment. But, unfortunately, the issues have been along are kind of in the underlying investments itself. So when you kinda look at the Australian market, it actually is up at the moment. And you've also got other Australian equities in your portfolio as well, which are showing a positive return at the moment. So the fact that Benelon is down is kinda holding your returns back a little bit. We do kinda wanna go and remove that from your portfolio. There's no point being invested in investments that are underperforming, is important to continue updating those a little bit as well. It also looks like the other investment in your portfolio that's not performing as well as we kind of had a hope to expect it is the India investment. So it's the beta shares India ETF. That is also showing a little bit of a pullback on your investments as well. So are you comfortable with me going back just reviewing those two investments, maybe restructuring your portfolio and seeing if we can make it work a little bit harder for you? Yeah. Yeah. Beautiful. There's no point being invested in anything underperforming there, and it is really important to continuously update your portfolio. I know we did sort of update things last year with with what we've got in here at the moment, but hoping that we don't have to, you know, update things on a yearly basis. It's best to sort of set up a portfolio and have it working for a couple of years at a time. But, unfortunately, just with what's been happening in the markets, and we've been along underperforming up until recently. We've been a long thing, really great positive past performance, but most recently, they've had some underlying issues with one of their underlying investments. And they can't get out of that investment, so we feel it's best to remove you from that now rather than to wait and sort of see if it drags your portfolio down further. Does that make sense? Do you have any questions, like, do you yeah. Yeah. Absolutely. Let's get rid of that one out of there. Now the one thing I sort of wanted to talk to you about was how you sort of like to see your investment structured. There are two types of ways of investing. One of those is having more of an actively managed component. By having an active manager in your portfolio, it's very similar to what Benelong is. They're an active manager. They're supposed to be buying and selling in a way that sort of gives you they're trying to outperform you're right. Sorry. You're right. A oh, good. No. You're fine. Let me know if you do need to stop. Absolutely. Easy. There are sort of two types of ways of investing within your portfolio. You can have active managers very similar to. They are trying to buy and sell in a way that outperform against the market or the benchmark that they're trying to, you know, work against. Active managers don't always have to outperform against the market. They do have years where they don't. Ben along definitely has not this year, and some of the other active managers are have been struggling to do so this year as well. You can also invest passively, which is essentially looking at index funds, which are seen as lower risk. They are a much cheaper way of investing, and those investments are designed to track the market. Did you wanna look at more of a a low a lower cost portfolio, maybe looking at reducing the fees, or did you wanna still see some active management in your portfolio with regard to those managers? What would you like me to sort of focus on investment wise? Yep. Yeah. That's okay. Did you want me to still go back and remove Ben along and see if I can replace it with something else for you, or did you wanna just yeah. Absolutely. Yeah. Yeah. Absolutely. There's definitely room for improvement there. Obviously, there are certain concerns with what's been happening in the market this year with the ups and downs and the volatility. But when you look at the Australian market as a whole, and even The US market, essentially, the those other investments are up. The market is still up as a whole. The dips we saw between sort of March to to April, essentially, were only maybe at the maximum about a 3% dip. It wasn't that big of a a dip. It was just the ups and downs we were feeling on a daily basis and how drastic it was and everything in the news that kinda made it worse for wear. But the fact that Bennelong is still down, it's not really recovering. And with the underlying issues, it is best to remove that from the portfolio now. Essentially, what to kinda give you a bit more clarity, Bennelong have what's an investment called Corporate Traveler. Corporate Traveler have just recently come out to the market, noting that they were dishonest to investors. That meant that Corporate Traveler had to be invest had to be reevaluated as part of the Van Along portfolio. And because of that, Bennelong had to be reevaluated. Now because of what corporate travelers did, they're actually at a trading halt. So it means that no one can kinda sell that investment at the moment. They don't let it be traded on. So we they can Venalong can't get rid of Paul the Traveler, but we can get you out of Venalong. So it is best to kind of remove that from your portfolio now. The dips are the, yeah, the dips aren't bad. It's important to kinda get out now what can. We can utilize the downtime that Ben Long's been to kind of readjust your portfolio and offset any capital gains within the portfolio as well to make it more cost effective. I'll also have a look if you like that investment fees and see if we can make the portfolio a bit cheaper for you as well. How does that sound? Yep. Beautiful. In your pack there, you do have the performance report for hub twenty four, so feel free to have a look through that one. It does kinda go through the individual investments and does show the total return net. Yeah. Yeah. So we'll see if we can get that working a bit harder there for you. I know past that we have not really done a lot in the way of catch ups. I wanna make sure this year we're doing a few more in the way of catch ups with you. Did you want us to maybe touch base in about three, six, twelve months? How often would you like me to touch base with you to have a yeah. Six months. Yeah. Beautiful. Excellent. Well, what I'll do is I'll go back after the call, do some research with my team. I'll book you back in at the end as well for a couple of weeks to come back. We'll go through the advice document. I'll let you know what I'm recommending, the what changes we make to the super fund and the portfolio, and then you can take that away. We'll make those changes, and we could do a six month catch up thereafter for you. Okay? Fantastic. Now having a look at your file as well, you've got the Australian Super account there. Contributions should still be going to Australian Super. We do wanna retain that for a little bit longer. Now I know having a look back, I know you've got your TAL Life and TPD insurances, but the Australian Super had been retained back as well. I know it was originally recommended to cancel off there, but you've got some life, safety, and income protection with us within Australian Super there. I've had a really good look at the file and the insurances. With your towel policy, your life cover, you've got a current sum insured of about 1,200,000 just over there of life cover. You've also got about 140,000 in Australian super as life cover there as well. The TBD is kind of where the important side of things comes into play. So with TBD, you've got the same level within the. It's the 1,200,000. The main sort of difference is is what's called an ADL definition. I know my colleague Kyle last year explained what ADL definition for TBD is. Do you remember going through that with him? Basically. That's okay. That's absolutely fine. So an ADL definition for TBD essentially means that you have to be unable to do three of the five activities of daily living. So they're thinking things like bathing yourself, feeding yourself, dressing yourself, going to the bathroom, things like that. They it is a very difficult definition to claim on, and that would come about because of your occupation. So I've got down here that you're a long distance oil tanker driver. Is that right? Yeah. Oh, I'm so sorry. Oh, no. Yeah. Yeah. Look. I don't blame you. I've been doing what you did for a living. I do not blame you in any way. I think safety is the first and foremost, especially with driving a tanker around. Yep. Yeah. Yeah. No. Absolutely. So as I kinda mentioned, you've got the ADL definition of TPD with. However, the TPD, the total permanent disability you have in Australian super, isn't any occupation definition, which is much easier to claim on. It just means that if in your that you're unable to go back to work again due to permanent incapacity, you have to be unable to ever go back to work again in any occupation for which you're educated, trained, or have worked in the past. So the Australian super TBD is really important to keep in hand at the moment. The trial TBD the TBD within Australian super, you've only got about $34,000 off, so it's very minimal cover. Yeah. But it is an an easier occupation to claim on, and it would be one of the first things we try to claim on in the event of permanent incapacity. So me, personally, I'd be wanting to try and keep that for you. And then just the towel policy that Yeah. Absolutely. Absolutely. I think one of the big things if we looked to essentially cancel that TPD definition, it would mean that in order for you to claim on permanent incapacity, you would have to meet that activity to daily living definition, and that is very hard to meet. Absolutely. Absolutely. Absolutely. Very much a difficult definition to claim on there. So at least with having the the 34,000 of TBD within Australian Super there in the event of you being incapacitated, we can also claim permanent incapacity against your super, both hub 24 and Australian Super. So that would give you essentially, if I look at everything in total, it'll give you estimated about what we're sitting at, 196,000. That's between your two super funds and that TPD within Australian super to kind of be out of claim incapacity against. And I know having a look, you're also receiving still your invalidity pension from the military super as well. You're still receiving that on a regular basis? It absolutely is. Yeah. Definitely. So it stays as a lifetime pension amount. It's indexed along with CPDI and their internal indexation, which they kinda decide every year what they're gonna index it by. It is a lifetime pension. The only sort of difference is they may they have what's called the different invalidity. Like, they have, like, a section, so they have a, b, c. They kind of every so often might come back and reevaluate you, but your invalidity a, which essentially covers you gives you the most coverage at the moment So long as they don't decrease that that eligibility, that should stay exactly as it is, and it is a lifetime pension amount, which is great. Fortnightly pension amount received after tax is about $1,333.19 there. So, realistically, you are still getting some money, and that on top of that, the TBD within Australian Super, if we had to claim that plus, obviously, your super between Australian Super and Hub 24, that obviously gives you a little bit extra extra 196,000 at the moment. As your super balance increases, could provide a much greater level of benefit there, and then we can just keep that Cal TPD with the ADL definition as a bit of a top up cover as a backup. So in the event of you having to claim, we try to claim everything else first. And then once, you know, things progress, then we try to claim on that ADL definition later and down the track for you. Does that make sense? And do you have any questions? Yep. Excellent. I wanted to make sure I did a really good review of everything because I know we haven't spoken before. So I did go back and have a really good review of the insurance as how it works. I do wanna update the advice and make some changes to your super portfolio, clean things up for you a little bit in your portfolio. I'll also have a look at the investments within your Australian super as well, make sure everything is kind of in that high growth portfolio between the two. And I'll update the recommendations, and then I'll just also clean up your insurances a little bit too. Just rerecommend the retention of Australian supers, making sure that you have the definitions noted correctly, the advantages, disadvantages, the risks, how that works, make it all outline and clean everything up for you. It's a bit of a a new established sort of, you know, base statement of advice, tracking it where we're heading for moving over the next ten years, and then we can kind of keep tracking it forward and updating it as we need to moving forward. Does that sound okay? Do you have any questions? Yeah? Thank you. All good. We obviously, retaining military super is the best thing for you now. I do have to as part of the advice, just note that we will retain military super. We can't and don't ever wanna make any changes. I actually love those super funds. I think they're fantastic. They are you don't get defined benefits or anything like that anymore, and military super is one of the best ones out there. They really honestly look after you, which is great. That will be that will be a factor to keep maintaining there for you. The other thing I just wanted to look at was income protection as well. So you do have within Australian Super the income protection benefit. But whilst you're not physically working or unemployed, you can't kinda claim one at the moment. But are you actively looking for work, or what's your plan moving forward? Yep. Yep. Yep. That's okay. Perfect. So at the moment, you've got the income protection based benefit, monthly benefit of $3,100 in the event of not being able to go to work in the short term when you're getting back into the employment side of things. That benefit can be claimed if you're injured or ill on a short term basis. But with that, we can kind of come back when you've got a job, when you've got your income, and look at whether that's appropriate for you or not. We could also look depending on what you do. Do you know with looking for work, are you kinda looking to go into any specific area? Is it what you were doing previously with a truck driving, or are you looking to sort of change it up and start something new? Yep. Okay. Okay. Perfect. Well, when that happens, let me know. We might even be able to reassess and look at that policy and see if we can get you a better definition than the ADL definition. So I'll retain everything as it is for now as a base statement of advice, the sort of starting point for you, clean everything up that we have here. And then when you do get a job, let me know. We can look at your income. We can also look at, you know, moving forward, whether we can update that health policy for you and get you some better definitions of insurances and just to make sure that if in the event you are permanently disabled or unable to go to work due to, you know, permanent capacity that you can actually claim. I think one of the worst things is having cover that you can't claim on. You don't wanna be paying all those premiums if you are unable to ever claim on them. So we'll try we'll see what we can do about getting those definitions updated for you. Okay. Excellent. All good. Perfect. Everything else is looking quite good. Now because you're currently not working at the moment, the advice document will essentially encompass no additional contributions employer wise. Are you at a point or do you have much in the way of savings that you could maybe be making additional, maybe nonconcessional contributions or any additional contributions so far? You're Lovely. Yeah. Mhmm. Yeah. Perfect. Yeah. Absolutely. I think one of the biggest things to that is that military pension because a lot of that is untaxed money you do pay or they essentially have tax that comes out of that, so it's reducing your net amount. So being able to make additional contributions into super a could, you know, provide you with a little bit of a tax benefit, but also build up your super a lot more for retirement aspect. So when that time comes, let me know. We could always look at a certain amount that you're comfortable with, or we could always look at projecting out to what you wanna have and look at what you need to make in order to get that to meet that goal. Okay. Yep. Fantastic. And so your main primary residence, that's at Bathurst Street. Your investment property is Richmond Mews. Is that right? Yep. Beautiful. How much are you selling it for? Oh, fantastic. And you still have a mortgage on that property as well? You did owe about 200 and 16 at the time. Okay. $1.90 after redraw. Beautiful. And with the main primary residence there, we had you rough valuation last year was about 410,000. What's the evaluation would you put on the property now, do you think? Yep. That's absolutely fine. Not a problem. And a mortgage on that property as well, we had about three hun sorry, 434,000. Has that decreased a little bit since last year? Oh, fantastic. Those interest rate hikes haven't helped us in any way, shape, or form, have they? Yep. Yeah. Absolutely. It's a lot. Yeah. Yeah. No. Yeah. No. There's more money you're pumping out, isn't it? Yeah. Absolutely. Not a problem. And when you think about retirement goals, are you sort of hoping to be able to access super and retire at age 60 or beforehand, or what's kind of your hope for retirement? Yep. Well, I can give you some good news because you actually don't have to work that long if you don't want to. Under the current legislation, you can fully retire and access your super at the age of 60. So you can choose to retire at 60 onwards and access your super a 100% tax free. That's your Australian super and hub 24. With regard to military super, there are with the untaxed element, there's still taxation there, but once you kinda hit 60, the taxation changes slightly. So and that military pension gives you a lifetime pension as well, which is fantastic. So we can essentially, at that point, be looking at what you get from the military pension, offset that from the other super funds. By that time, you shouldn't need those insurances anymore, so we should be able to cancel them, consolidate everything, have everything in one place, and then just drill down what you need from, say, hub twenty four or wherever your super is located to offset the military pension and look at, obviously, the long term effect and make it last as long as possible, which would be fantastic for you. If you are wanting to look at retiring before the age of 50, Military Super continues to pay out a pension, but we just have to look at a way to be able to supplement that with investments outside of super. I know you're a bit a bit over the property aspect, but there are other ways to to build wealth outside of super investments and things that can have tax advantages for you down the track as well. So I do a lot of that kind of advice to support you sort of after. Come and have that chat with me. Happy to go through what your goals are, what you're looking for, project out, and work out a plan to help you meet that goal. Okay. Easy. Easy. I'll work on 60 for the moment for your super, and then we'll just keep coming back and reviewing that for you. The other thing I've got here is your Outback, your motor vehicle, rough valuation last year was 60,000. What do you think you put on that now? 50? That's okay. Yeah. Absolutely. Absolutely. And then we had some extra cash in the bank. I believe this is a redraw, and that would be the redraw on the investment property. Is that right? Is it the only redraw account that you have with funds in? Yep. Okay. Yep. Beautiful. Oh, beautiful. I'll just update that to be a separate savings account. I'm sorry that you said 40,000 in savings? 45. My apologies on that one. Beautiful. Update those for you. Other assets I do like to consider are things like your contents. Do you have contents insurance on your property? Yep. What's the fantastic. And what's the the estimate you'd put on your content value wise? Yep. Beautiful. 150,000. Excellent. And anything else? Any other shares, cryptocurrency, tools of trade, or valuables you'd note down? Nothing? Yeah. That's okay. It's all good. Now the other thing to have a look at is your estate planning side of things. Now I've got here that you are in a defective relationship. So Stephanie is your partner, and you guys have got two kids. Is that right? Fantastic. I do have it noted down here with your beneficiaries. So we do have a beneficiary noted on your towel policy with Stephanie as the beneficiary to receive a 100% of the benefit in the event that something was to happen. Is that correct? Is that how you want that structured to everything? Yes. No. That's okay. With military super, that is an automatic beneficiary, so they only really pay everything out to the spouse, and that all kinda happens automatically on passing. We certainly hope nothing happens there. We want you to enjoy your life and your funds, but that's something we don't need to update because it happens automatically within their sort of structure. But it does look like with the hub twenty four beneficiary, we had sent it out, but it has not yet been completed. Have you received that in the post recently or via email, or have you got it there? If not, let me know. No. That's okay. Are you happy for us? We can pre fill the beneficiary nomination out for you if you like. That way we can send it to you, and you just gotta sign it and have it witnessed and sent back to us. Would that be easier? Yep. Fantastic. Excellent. So I've got it down here. So Stephanie is your beneficiary. Now just double checking. I've got some hard questions for you. What's her date of birth? Oh, beautiful. Love that one. And I'm just taking your spouse. You're happy for a 100% of the benefit to be nominated to Stephanie. Yep. Beautiful. Address is exactly the same as I've got for yourself. There's no Difference In the address. Fantastic. Excellent. We'll get that prefilled and sent out to you. Is email or post better or easier for yourself, or did you want both? Email? Yep. Beautiful. It will easy. It will need to be wet signed. They do have to be printed and signed because of the way the estate planning works. And with the Systaz, Just oh, is that beautiful. And this needs to be witnessed as well. Just making sure Stephanie isn't one of the witnesses. So there's two people over the 18. It can be anyone except for her. Once that gets done, we'll we'll receive it back. We'll make sure it's applied there for you and confirm if there's any problems in the meantime just so we have everything under control and all those checks and balances completed for you. Okay? Excellent. The only other thing I've got here is that when we sort of caught up last year, you hadn't done a will or power of attorney. Is that something that you guys have talked about in the past? Or No. That's okay. It is definitely something to consider. Have a bit of a chat, work out what you want to do. Obviously, your super beneficiaries do cover your super and your life insurance side of things. However, it's everything outside of super that's also really important. So your house investments, your money, your cars, all that sorts of things. As an adviser, I have seen, unfortunately, in the past where someone's passed away, whilst most things are passed directly to your spouse, it still does have to go through a bit of a pro probate process. And it does mean that people from your past can come forward and make a claim. There's no guarantees they're gonna get anything, but they can make a claim, and that can cause a bit of a problem and make the process a little bit longer as well. So if you guys do get a pen, you feel pretty good. Yeah. Yeah. Yeah. Absolutely. You can get a simple will care from the post office. Last time I checked, they're about 30 odd dollars. Alternatively, all the states and territories do have local government offices like I hear in well, I'm in Queensland at the moment, but in New South Wales where I live, they do have, like, RMS, and they can put you in touch with doing a very simple will kit with a solicitor for as little as only, you know, 2 or $300. Alternatively, doing a more complex drill through our local solicitor can be a little bit more expensive, but the complexity means that you get a lot more say in what you want done with your estate planning. But then if you are just wanting something very simple, you can just go to, like, the post office, get a will kit. As long as it's filled out correctly and as per the instructions, then they do work and they can be valid. Okay. I see. Excellent. The only other thing to sort of note is having a look here, obviously, with your TBD, you withheld, there is a left knee exclusion. We did try to have a look because that was due to your ACL and the knee replacement. It's not a reviewable exclusion, but I just have to make sure you are aware. Obviously, it's just in relation to your left knee. And with the life policy life and TPD with how they also had a 50% loading there due to your BMI. Can I just double check? Do you know what your height and weight is at the moment? Because I might be able to have that reviewed. Yep. Okay. It is a little bit on the higher side, so I wouldn't wanna review it yet. But if anything changes and the BMI comes down a little bit, let me know because I'll absolutely review it for you. But it is just, you know, making sure we can make those as cheap as possible. But, look, I'll touch base with you down the track and talk about, you know, what happens when you get a job, what your occupation is. We can reassess the insurances. One of the biggest things with these insurances are they do get more expensive as you get older as the risk of you making a claim increases as well. And the more expensive these insurances get, the more it affects your super and and your retirement income because they are being paid out of your super. So I do wanna review these regularly with you, just making sure we can reduce the covers. Right now, we'll need to retain everything we have, and I'll make sure the advice reflects that for you. But we wanna review that down the track and just make sure we can keep altering them in line with your needs, making sure they're cost effective, providing you with the cover you you need in the event that of a claim, but also making sure it's not gonna eat away all your super as well. Okay. Easy. In that email there, you do have the ongoing service agreement for the next twelve months there. So being a client of ours and us providing advice and reviewing your circumstances, working towards your retirement goals, we do charge an ongoing service fee. It is 1.65% per annum. It is deducted out of your Hub twenty four super account on a monthly basis. We do have that form there attached when you've got a chance if you can sign and return it back. It just allows us to continue providing our services, updating advice, and looking after things there for you. We do also have a tax file opt in form, so it's just really important to let you know we do hold your tax file number with just because we had to set up your super and your insurance policy, so that had to be provided at the time. But we just wanna make sure we're updating all of the documents, letting you know that's why we hold the information, and that tax file opt in form lets you know under what circumstances, how it's all looked after and held. We are very privacy conscious here. That's why we do security whenever you call us or we call you. Just making sure that we're protecting everything we hold on you. Everything is very personal information, so we don't want that getting to the wrong hands. So we're very security conscious here with regards to that. Okay? Excellent. Look. I've touched on a lot, and I'm so sorry. You're having a very relaxing day. Is there any questions that have come out of any of that? Is there anything you think I've maybe missed or not touched on? Or easy. What I'll do now is I'll go back. I'll do some research around your portfolio, the super. I'll look at your long term goals. It'll be factoring no contributions at the moment because you're unemployed. So just looking at, obviously, where we're tracking with the current circumstances we have, and I'm happy to update that down the track for you as well. I'll look at your both super funds, so the Australian super and hub twenty four, making sure everything's working and looking at what portfolios have, you know, have shown greater past performance to help you keep track of that. You are in that high growth environment, so that does kinda see about 90% of your super invested in those growth assets. So things like Australian shares, international shares, listed properties, and commodities. When you kinda figure on the risk scale of things, if you look at risk out of, say, one to five, five being the highest risk, one being no risk, or very, very low risk, You're sort of sitting in that fourth scenario there. The high growth environment does suit someone who's, you know, got at least eight years before accessing their super. They're happy to take on more risk now knowing that in the downtime, they're also gonna feel that. Do you feel that's fairly comfortable for where you're at? Did you wanna look at reviewing or reducing that risk level a bit, or you're happy to stick with that? Yep. Yep. Yep. Absolutely. Yeah. Perfect. Well, that does sort of fit your time horizon with where you're at at the moment. It's more just about making sure that there are gonna be downtimes, and I'm happy that you've come out with a positive return this year. But this year, we did see a lot of volatility, unfortunately, with the role I have. I have had a lot of difficult conversations with him. I want to see really good returns, but this year's been completely out of our control, and the and the downtime have been quite consistent this year between March and April. Admittedly, it was, you know, no more than a 3% drop, but that when you have a higher balance can feel quite drastic. So I just wanna sort of look at your portfolio, look at how it's working, try to maybe minimize fees where I possibly can. I'll keep a little bit active management in there for you as well and see what we can do to get it working a bit harder, and then just keep reviewing and updating it as we need to. Does that sound okay? Does that do you have any questions out of any of that? Yeah. Beautiful. Okay. Well, I will let you go back to enjoying the rest of your day. Good luck with the job hunt. If anything comes up, let me know. It takes probably about two to three weeks to complete the research for the advice document. Are you okay if I book in a time now, or did you want me to get one of the team to give you a call in a week or two to book in a time? What's easier for you? Yeah. Absolutely. So I'm looking at the week of the August 10. Is there a day, morning or afternoon that suits you best normally? Yep. Beautiful. And about this time, say, maybe 02:00. Yep. Yep. Beautiful. I do have Monday, August 10 at 2PM available. If that's okay for you, we'll get it early in the week for you. Yep. Fantastic, Luke. That one is all booked in there for you. It is about three weeks away, so I will just add a little text message reminder. If anything does come up, just let me know. We can happily reschedule then. Otherwise, I'll give you a call at 02:00. We'll go through the updated advice document. I'll look I'll let you know what I'm recommending, how, why, how it's in your best interest, the advantages, disadvantages, risks involved, and then you get to take that away and have a really good read and decide what you're happy to take on board. Okay. Easy. My pleasure. You enjoy your day. Thank you for your time. K. See you later. 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Luke. It's Dana from Oakey Financial. How are you this afternoon? That's good. I had you booked in to go through a bit of an annual review there with you.\n\nIs now still a good time? Fantastic. How's your day been thus far? Oh, that's good. That's really good.\n\nI promise to take up too much of your time and interrupt that relaxation for you. Lucas, before we jump into the call, I do have to let you know we do record our calls for quality and training purposes. Are you happy for us to proceed with that? Fantastic. And just to do a quick security check there with you as well just to confirm your full name, your date of birth, and address I should have on file.\n\nYep. Yep. Beautiful. Thank you so much for that. Luke, as part of your annual review, I do send through some compliance documents to you, which does have, some of the documents that I'll go through and explain to you today.\n\nAre you able to jump into your emails and grab a hold of that? If not, that's okay. Oh, fantastic. If it can't isn't in your inbox, it might be in your junk mail. I tend to get directed through the junk.\n\nYou're right. When we're sort of going through the annual review, we'll go through and have a bit of look at your sleep, how it's how it's being obviously performing, look at any additional goals that you have, and what we can maybe do with Fireflies to help you along. Is there any other questions or anything specific you kind of wanted me to touch base on as part of today's call? Or no. That's okay.\n\nDo you have a look at your super very often? No. That's okay. That's honestly fine. Sometimes it's the best way.\n\nYou're still young. You've got a lot of time ahead of you. It's you know, what happens in the next twenty years is important, not so much today. No. All good, Luke.\n\nWe're essentially having a bit of a look back to give you an update on your super balance. When we sort of touched base and did your annual review last year, your balance number was a 121,001 and 176 in Hub twenty four. Your balance in Hub twenty four as of today's date, so yesterday's date is a 125,323 and 15¢ there. So we have had an increase. Admittedly, all your contributions do go into Australian Super, not so much hub twenty four.\n\nSo, essentially, it is what the portfolio has been doing on its own. In Australian Super, the current balance last year when we touched base was 19,057, and your balance now is 37,420. So that's increased quite considerably there as well. When we have a look at the super, the performance, and how it is essentially going, majority of your portfolio has been performing quite well. I can see a couple of investments that are slightly underperforming a little bit, and I know your portfolio was kinda updated early twenty twenty five to one of the newer portfolios.\n\nLooking at sort of how that's performed from there, I would like to sort of see a little bit more of an increase. There are two investments I would probably look to maybe remove out of there if you're comfortable with me updating the advice for you. But as a whole, the total earnings and the income that's been generated within Hub twenty four over the past twelve months, you've made over $7,483. So it's a bit lower 4% return for the year net of fees. When you kinda look at the sort of portfolio you're in, you were in that high growth environment.\n\nSo you're sort of wanting to take a more risk trying to obtain greater potential returns. But it also does mean in market volatility and downtimes, and this year has definitely been in a very up and down sort of time within the market and globally. It does mean that you are gonna see lower returns, and that will be reflecting your portfolio there as well. So it is definitely a lower return than what I would like to have seen for this year given your portfolio. But to come out after what we've seen this year with the market volatility and the ups and downs, March and April was kind of the really worst sort of point of that, those ups and downs of what was happening between The US and the Iran war, but also here.\n\nIn Australia, we had high inflationary rates, which also had an effect on bonds and fixed interest investments as well. So it is lower than I would like, but I am glad you have come out with a positive return after the last twelve months as well. Okay? Beautiful. It is a lot.\n\nDid you have any questions? Did you yeah. We've we've gone from 19,000 to about 37%, which is majority of that's your contributions. Yeah. Yeah.\n\nNo. That's okay. What I would like to do I know one of the things having a look at it I know last year when you spoke to my colleague, we did provide a bit of an update on the investment portfolio. Having a look at the individual investments, you do have one of those investors that's been along Australian equities. That investment specifically has underperformed a little bit within your portfolio there.\n\nNormally, we would sort of not wanna be, you know, taking an investment out or cementing a a loss or a downtime with an investment. But, unfortunately, the issues have been along are kind of in the underlying investments itself. So when you kinda look at the Australian market, it actually is up at the moment. And you've also got other Australian equities in your portfolio as well, which are showing a positive return at the moment. So the fact that Benelon is down is kinda holding your returns back a little bit.\n\nWe do kinda wanna go and remove that from your portfolio. There's no point being invested in investments that are underperforming, is important to continue updating those a little bit as well. It also looks like the other investment in your portfolio that's not performing as well as we kind of had a hope to expect it is the India investment. So it's the beta shares India ETF. That is also showing a little bit of a pullback on your investments as well.\n\nSo are you comfortable with me going back just reviewing those two investments, maybe restructuring your portfolio and seeing if we can make it work a little bit harder for you? Yeah. Yeah. Beautiful. There's no point being invested in anything underperforming there, and it is really important to continuously update your portfolio.\n\nI know we did sort of update things last year with with what we've got in here at the moment, but hoping that we don't have to, you know, update things on a yearly basis. It's best to sort of set up a portfolio and have it working for a couple of years at a time. But, unfortunately, just with what's been happening in the markets, and we've been along underperforming up until recently. We've been a long thing, really great positive past performance, but most recently, they've had some underlying issues with one of their underlying investments. And they can't get out of that investment, so we feel it's best to remove you from that now rather than to wait and sort of see if it drags your portfolio down further.\n\nDoes that make sense? Do you have any questions, like, do you yeah. Yeah. Absolutely. Let's get rid of that one out of there.\n\nNow the one thing I sort of wanted to talk to you about was how you sort of like to see your investment structured. There are two types of ways of investing. One of those is having more of an actively managed component. By having an active manager in your portfolio, it's very similar to what Benelong is. They're an active manager.\n\nThey're supposed to be buying and selling in a way that sort of gives you they're trying to outperform you're right. Sorry. You're right. A oh, good. No.\n\nYou're fine. Let me know if you do need to stop. Absolutely. Easy. There are sort of two types of ways of investing within your portfolio.\n\nYou can have active managers very similar to. They are trying to buy and sell in a way that outperform against the market or the benchmark that they're trying to, you know, work against. Active managers don't always have to outperform against the market. They do have years where they don't. Ben along definitely has not this year, and some of the other active managers are have been struggling to do so this year as well.\n\nYou can also invest passively, which is essentially looking at index funds, which are seen as lower risk. They are a much cheaper way of investing, and those investments are designed to track the market. Did you wanna look at more of a a low a lower cost portfolio, maybe looking at reducing the fees, or did you wanna still see some active management in your portfolio with regard to those managers? What would you like me to sort of focus on investment wise? Yep.\n\nYeah. That's okay. Did you want me to still go back and remove Ben along and see if I can replace it with something else for you, or did you wanna just yeah. Absolutely. Yeah.\n\nYeah. Absolutely. There's definitely room for improvement there. Obviously, there are certain concerns with what's been happening in the market this year with the ups and downs and the volatility. But when you look at the Australian market as a whole, and even The US market, essentially, the those other investments are up.\n\nThe market is still up as a whole. The dips we saw between sort of March to to April, essentially, were only maybe at the maximum about a 3% dip. It wasn't that big of a a dip. It was just the ups and downs we were feeling on a daily basis and how drastic it was and everything in the news that kinda made it worse for wear. But the fact that Bennelong is still down, it's not really recovering.\n\nAnd with the underlying issues, it is best to remove that from the portfolio now. Essentially, what to kinda give you a bit more clarity, Bennelong have what's an investment called Corporate Traveler. Corporate Traveler have just recently come out to the market, noting that they were dishonest to investors. That meant that Corporate Traveler had to be invest had to be reevaluated as part of the Van Along portfolio. And because of that, Bennelong had to be reevaluated.\n\nNow because of what corporate travelers did, they're actually at a trading halt. So it means that no one can kinda sell that investment at the moment. They don't let it be traded on. So we they can Venalong can't get rid of Paul the Traveler, but we can get you out of Venalong. So it is best to kind of remove that from your portfolio now.\n\nThe dips are the, yeah, the dips aren't bad. It's important to kinda get out now what can. We can utilize the downtime that Ben Long's been to kind of readjust your portfolio and offset any capital gains within the portfolio as well to make it more cost effective. I'll also have a look if you like that investment fees and see if we can make the portfolio a bit cheaper for you as well. How does that sound?\n\nYep. Beautiful. In your pack there, you do have the performance report for hub twenty four, so feel free to have a look through that one. It does kinda go through the individual investments and does show the total return net. Yeah.\n\nYeah. So we'll see if we can get that working a bit harder there for you. I know past that we have not really done a lot in the way of catch ups. I wanna make sure this year we're doing a few more in the way of catch ups with you. Did you want us to maybe touch base in about three, six, twelve months?\n\nHow often would you like me to touch base with you to have a yeah. Six months. Yeah. Beautiful. Excellent.\n\nWell, what I'll do is I'll go back after the call, do some research with my team. I'll book you back in at the end as well for a couple of weeks to come back. We'll go through the advice document. I'll let you know what I'm recommending, the what changes we make to the super fund and the portfolio, and then you can take that away. We'll make those changes, and we could do a six month catch up thereafter for you.\n\nOkay? Fantastic. Now having a look at your file as well, you've got the Australian Super account there. Contributions should still be going to Australian Super. We do wanna retain that for a little bit longer.\n\nNow I know having a look back, I know you've got your TAL Life and TPD insurances, but the Australian Super had been retained back as well. I know it was originally recommended to cancel off there, but you've got some life, safety, and income protection with us within Australian Super there. I've had a really good look at the file and the insurances. With your towel policy, your life cover, you've got a current sum insured of about 1,200,000 just over there of life cover. You've also got about 140,000 in Australian super as life cover there as well.\n\nThe TBD is kind of where the important side of things comes into play. So with TBD, you've got the same level within the. It's the 1,200,000. The main sort of difference is is what's called an ADL definition. I know my colleague Kyle last year explained what ADL definition for TBD is.\n\nDo you remember going through that with him? Basically. That's okay. That's absolutely fine. So an ADL definition for TBD essentially means that you have to be unable to do three of the five activities of daily living.\n\nSo they're thinking things like bathing yourself, feeding yourself, dressing yourself, going to the bathroom, things like that. They it is a very difficult definition to claim on, and that would come about because of your occupation. So I've got down here that you're a long distance oil tanker driver. Is that right? Yeah.\n\nOh, I'm so sorry. Oh, no. Yeah. Yeah. Look.\n\nI don't blame you. I've been doing what you did for a living. I do not blame you in any way. I think safety is the first and foremost, especially with driving a tanker around. Yep.\n\nYeah. Yeah. No. Absolutely. So as I kinda mentioned, you've got the ADL definition of TPD with.\n\nHowever, the TPD, the total permanent disability you have in Australian super, isn't any occupation definition, which is much easier to claim on. It just means that if in your that you're unable to go back to work again due to permanent incapacity, you have to be unable to ever go back to work again in any occupation for which you're educated, trained, or have worked in the past. So the Australian super TBD is really important to keep in hand at the moment. The trial TBD the TBD within Australian super, you've only got about $34,000 off, so it's very minimal cover. Yeah.\n\nBut it is an an easier occupation to claim on, and it would be one of the first things we try to claim on in the event of permanent incapacity. So me, personally, I'd be wanting to try and keep that for you. And then just the towel policy that Yeah. Absolutely. Absolutely.\n\nI think one of the big things if we looked to essentially cancel that TPD definition, it would mean that in order for you to claim on permanent incapacity, you would have to meet that activity to daily living definition, and that is very hard to meet. Absolutely. Absolutely. Absolutely. Very much a difficult definition to claim on there.\n\nSo at least with having the the 34,000 of TBD within Australian Super there in the event of you being incapacitated, we can also claim permanent incapacity against your super, both hub 24 and Australian Super. So that would give you essentially, if I look at everything in total, it'll give you estimated about what we're sitting at, 196,000. That's between your two super funds and that TPD within Australian super to kind of be out of claim incapacity against. And I know having a look, you're also receiving still your invalidity pension from the military super as well. You're still receiving that on a regular basis?\n\nIt absolutely is. Yeah. Definitely. So it stays as a lifetime pension amount. It's indexed along with CPDI and their internal indexation, which they kinda decide every year what they're gonna index it by.\n\nIt is a lifetime pension. The only sort of difference is they may they have what's called the different invalidity. Like, they have, like, a section, so they have a, b, c. They kind of every so often might come back and reevaluate you, but your invalidity a, which essentially covers you gives you the most coverage at the moment So long as they don't decrease that that eligibility, that should stay exactly as it is, and it is a lifetime pension amount, which is great. Fortnightly pension amount received after tax is about $1,333.19 there.\n\nSo, realistically, you are still getting some money, and that on top of that, the TBD within Australian Super, if we had to claim that plus, obviously, your super between Australian Super and Hub 24, that obviously gives you a little bit extra extra 196,000 at the moment. As your super balance increases, could provide a much greater level of benefit there, and then we can just keep that Cal TPD with the ADL definition as a bit of a top up cover as a backup. So in the event of you having to claim, we try to claim everything else first. And then once, you know, things progress, then we try to claim on that ADL definition later and down the track for you. Does that make sense?\n\nAnd do you have any questions? Yep. Excellent. I wanted to make sure I did a really good review of everything because I know we haven't spoken before. So I did go back and have a really good review of the insurance as how it works.\n\nI do wanna update the advice and make some changes to your super portfolio, clean things up for you a little bit in your portfolio. I'll also have a look at the investments within your Australian super as well, make sure everything is kind of in that high growth portfolio between the two. And I'll update the recommendations, and then I'll just also clean up your insurances a little bit too. Just rerecommend the retention of Australian supers, making sure that you have the definitions noted correctly, the advantages, disadvantages, the risks, how that works, make it all outline and clean everything up for you. It's a bit of a a new established sort of, you know, base statement of advice, tracking it where we're heading for moving over the next ten years, and then we can kind of keep tracking it forward and updating it as we need to moving forward.\n\nDoes that sound okay? Do you have any questions? Yeah? Thank you. All good.\n\nWe obviously, retaining military super is the best thing for you now. I do have to as part of the advice, just note that we will retain military super. We can't and don't ever wanna make any changes. I actually love those super funds. I think they're fantastic.\n\nThey are you don't get defined benefits or anything like that anymore, and military super is one of the best ones out there. They really honestly look after you, which is great. That will be that will be a factor to keep maintaining there for you. The other thing I just wanted to look at was income protection as well. So you do have within Australian Super the income protection benefit.\n\nBut whilst you're not physically working or unemployed, you can't kinda claim one at the moment. But are you actively looking for work, or what's your plan moving forward? Yep. Yep. Yep.\n\nThat's okay. Perfect. So at the moment, you've got the income protection based benefit, monthly benefit of $3,100 in the event of not being able to go to work in the short term when you're getting back into the employment side of things. That benefit can be claimed if you're injured or ill on a short term basis. But with that, we can kind of come back when you've got a job, when you've got your income, and look at whether that's appropriate for you or not.\n\nWe could also look depending on what you do. Do you know with looking for work, are you kinda looking to go into any specific area? Is it what you were doing previously with a truck driving, or are you looking to sort of change it up and start something new? Yep. Okay.\n\nOkay. Perfect. Well, when that happens, let me know. We might even be able to reassess and look at that policy and see if we can get you a better definition than the ADL definition. So I'll retain everything as it is for now as a base statement of advice, the sort of starting point for you, clean everything up that we have here.\n\nAnd then when you do get a job, let me know. We can look at your income. We can also look at, you know, moving forward, whether we can update that health policy for you and get you some better definitions of insurances and just to make sure that if in the event you are permanently disabled or unable to go to work due to, you know, permanent capacity that you can actually claim. I think one of the worst things is having cover that you can't claim on. You don't wanna be paying all those premiums if you are unable to ever claim on them.\n\nSo we'll try we'll see what we can do about getting those definitions updated for you. Okay. Excellent. All good. Perfect.\n\nEverything else is looking quite good. Now because you're currently not working at the moment, the advice document will essentially encompass no additional contributions employer wise. Are you at a point or do you have much in the way of savings that you could maybe be making additional, maybe nonconcessional contributions or any additional contributions so far? You're Lovely. Yeah.\n\nMhmm. Yeah. Perfect. Yeah. Absolutely.\n\nI think one of the biggest things to that is that military pension because a lot of that is untaxed money you do pay or they essentially have tax that comes out of that, so it's reducing your net amount. So being able to make additional contributions into super a could, you know, provide you with a little bit of a tax benefit, but also build up your super a lot more for retirement aspect. So when that time comes, let me know. We could always look at a certain amount that you're comfortable with, or we could always look at projecting out to what you wanna have and look at what you need to make in order to get that to meet that goal. Okay.\n\nYep. Fantastic. And so your main primary residence, that's at Bathurst Street. Your investment property is Richmond Mews. Is that right?\n\nYep. Beautiful. How much are you selling it for? Oh, fantastic. And you still have a mortgage on that property as well?\n\nYou did owe about 200 and 16 at the time. Okay. $1.90 after redraw. Beautiful. And with the main primary residence there, we had you rough valuation last year was about 410,000.\n\nWhat's the evaluation would you put on the property now, do you think? Yep. That's absolutely fine. Not a problem. And a mortgage on that property as well, we had about three hun sorry, 434,000.\n\nHas that decreased a little bit since last year? Oh, fantastic. Those interest rate hikes haven't helped us in any way, shape, or form, have they? Yep. Yeah.\n\nAbsolutely. It's a lot. Yeah. Yeah. No.\n\nYeah. No. There's more money you're pumping out, isn't it? Yeah. Absolutely.\n\nNot a problem. And when you think about retirement goals, are you sort of hoping to be able to access super and retire at age 60 or beforehand, or what's kind of your hope for retirement? Yep. Well, I can give you some good news because you actually don't have to work that long if you don't want to. Under the current legislation, you can fully retire and access your super at the age of 60.\n\nSo you can choose to retire at 60 onwards and access your super a 100% tax free. That's your Australian super and hub 24. With regard to military super, there are with the untaxed element, there's still taxation there, but once you kinda hit 60, the taxation changes slightly. So and that military pension gives you a lifetime pension as well, which is fantastic. So we can essentially, at that point, be looking at what you get from the military pension, offset that from the other super funds.\n\nBy that time, you shouldn't need those insurances anymore, so we should be able to cancel them, consolidate everything, have everything in one place, and then just drill down what you need from, say, hub twenty four or wherever your super is located to offset the military pension and look at, obviously, the long term effect and make it last as long as possible, which would be fantastic for you. If you are wanting to look at retiring before the age of 50, Military Super continues to pay out a pension, but we just have to look at a way to be able to supplement that with investments outside of super. I know you're a bit a bit over the property aspect, but there are other ways to to build wealth outside of super investments and things that can have tax advantages for you down the track as well. So I do a lot of that kind of advice to support you sort of after. Come and have that chat with me.\n\nHappy to go through what your goals are, what you're looking for, project out, and work out a plan to help you meet that goal. Okay. Easy. Easy. I'll work on 60 for the moment for your super, and then we'll just keep coming back and reviewing that for you.\n\nThe other thing I've got here is your Outback, your motor vehicle, rough valuation last year was 60,000. What do you think you put on that now? 50? That's okay. Yeah.\n\nAbsolutely. Absolutely. And then we had some extra cash in the bank. I believe this is a redraw, and that would be the redraw on the investment property. Is that right?\n\nIs it the only redraw account that you have with funds in? Yep. Okay. Yep. Beautiful.\n\nOh, beautiful. I'll just update that to be a separate savings account. I'm sorry that you said 40,000 in savings? 45. My apologies on that one.\n\nBeautiful. Update those for you. Other assets I do like to consider are things like your contents. Do you have contents insurance on your property? Yep.\n\nWhat's the fantastic. And what's the the estimate you'd put on your content value wise? Yep. Beautiful. 150,000.\n\nExcellent. And anything else? Any other shares, cryptocurrency, tools of trade, or valuables you'd note down? Nothing? Yeah.\n\nThat's okay. It's all good. Now the other thing to have a look at is your estate planning side of things. Now I've got here that you are in a defective relationship. So Stephanie is your partner, and you guys have got two kids.\n\nIs that right? Fantastic. I do have it noted down here with your beneficiaries. So we do have a beneficiary noted on your towel policy with Stephanie as the beneficiary to receive a 100% of the benefit in the event that something was to happen. Is that correct?\n\nIs that how you want that structured to everything? Yes. No. That's okay. With military super, that is an automatic beneficiary, so they only really pay everything out to the spouse, and that all kinda happens automatically on passing.\n\nWe certainly hope nothing happens there. We want you to enjoy your life and your funds, but that's something we don't need to update because it happens automatically within their sort of structure. But it does look like with the hub twenty four beneficiary, we had sent it out, but it has not yet been completed. Have you received that in the post recently or via email, or have you got it there? If not, let me know.\n\nNo. That's okay. Are you happy for us? We can pre fill the beneficiary nomination out for you if you like. That way we can send it to you, and you just gotta sign it and have it witnessed and sent back to us.\n\nWould that be easier? Yep. Fantastic. Excellent. So I've got it down here.\n\nSo Stephanie is your beneficiary. Now just double checking. I've got some hard questions for you. What's her date of birth? Oh, beautiful.\n\nLove that one. And I'm just taking your spouse. You're happy for a 100% of the benefit to be nominated to Stephanie. Yep. Beautiful.\n\nAddress is exactly the same as I've got for yourself. There's no Difference In the address. Fantastic. Excellent. We'll get that prefilled and sent out to you.\n\nIs email or post better or easier for yourself, or did you want both? Email? Yep. Beautiful. It will easy.\n\nIt will need to be wet signed. They do have to be printed and signed because of the way the estate planning works. And with the Systaz, Just oh, is that beautiful. And this needs to be witnessed as well. Just making sure Stephanie isn't one of the witnesses.\n\nSo there's two people over the 18. It can be anyone except for her. Once that gets done, we'll we'll receive it back. We'll make sure it's applied there for you and confirm if there's any problems in the meantime just so we have everything under control and all those checks and balances completed for you. Okay?\n\nExcellent. The only other thing I've got here is that when we sort of caught up last year, you hadn't done a will or power of attorney. Is that something that you guys have talked about in the past? Or No. That's okay.\n\nIt is definitely something to consider. Have a bit of a chat, work out what you want to do. Obviously, your super beneficiaries do cover your super and your life insurance side of things. However, it's everything outside of super that's also really important. So your house investments, your money, your cars, all that sorts of things.\n\nAs an adviser, I have seen, unfortunately, in the past where someone's passed away, whilst most things are passed directly to your spouse, it still does have to go through a bit of a pro probate process. And it does mean that people from your past can come forward and make a claim. There's no guarantees they're gonna get anything, but they can make a claim, and that can cause a bit of a problem and make the process a little bit longer as well. So if you guys do get a pen, you feel pretty good. Yeah.\n\nYeah. Yeah. Absolutely. You can get a simple will care from the post office. Last time I checked, they're about 30 odd dollars.\n\nAlternatively, all the states and territories do have local government offices like I hear in well, I'm in Queensland at the moment, but in New South Wales where I live, they do have, like, RMS, and they can put you in touch with doing a very simple will kit with a solicitor for as little as only, you know, 2 or $300. Alternatively, doing a more complex drill through our local solicitor can be a little bit more expensive, but the complexity means that you get a lot more say in what you want done with your estate planning. But then if you are just wanting something very simple, you can just go to, like, the post office, get a will kit. As long as it's filled out correctly and as per the instructions, then they do work and they can be valid. Okay.\n\nI see. Excellent. The only other thing to sort of note is having a look here, obviously, with your TBD, you withheld, there is a left knee exclusion. We did try to have a look because that was due to your ACL and the knee replacement. It's not a reviewable exclusion, but I just have to make sure you are aware.\n\nObviously, it's just in relation to your left knee. And with the life policy life and TPD with how they also had a 50% loading there due to your BMI. Can I just double check? Do you know what your height and weight is at the moment? Because I might be able to have that reviewed.\n\nYep. Okay. It is a little bit on the higher side, so I wouldn't wanna review it yet. But if anything changes and the BMI comes down a little bit, let me know because I'll absolutely review it for you. But it is just, you know, making sure we can make those as cheap as possible.\n\nBut, look, I'll touch base with you down the track and talk about, you know, what happens when you get a job, what your occupation is. We can reassess the insurances. One of the biggest things with these insurances are they do get more expensive as you get older as the risk of you making a claim increases as well. And the more expensive these insurances get, the more it affects your super and and your retirement income because they are being paid out of your super. So I do wanna review these regularly with you, just making sure we can reduce the covers.\n\nRight now, we'll need to retain everything we have, and I'll make sure the advice reflects that for you. But we wanna review that down the track and just make sure we can keep altering them in line with your needs, making sure they're cost effective, providing you with the cover you you need in the event that of a claim, but also making sure it's not gonna eat away all your super as well. Okay. Easy. In that email there, you do have the ongoing service agreement for the next twelve months there.\n\nSo being a client of ours and us providing advice and reviewing your circumstances, working towards your retirement goals, we do charge an ongoing service fee. It is 1.65% per annum. It is deducted out of your Hub twenty four super account on a monthly basis. We do have that form there attached when you've got a chance if you can sign and return it back. It just allows us to continue providing our services, updating advice, and looking after things there for you.\n\nWe do also have a tax file opt in form, so it's just really important to let you know we do hold your tax file number with just because we had to set up your super and your insurance policy, so that had to be provided at the time. But we just wanna make sure we're updating all of the documents, letting you know that's why we hold the information, and that tax file opt in form lets you know under what circumstances, how it's all looked after and held. We are very privacy conscious here. That's why we do security whenever you call us or we call you. Just making sure that we're protecting everything we hold on you.\n\nEverything is very personal information, so we don't want that getting to the wrong hands. So we're very security conscious here with regards to that. Okay? Excellent. Look.\n\nI've touched on a lot, and I'm so sorry. You're having a very relaxing day. Is there any questions that have come out of any of that? Is there anything you think I've maybe missed or not touched on? Or easy.\n\nWhat I'll do now is I'll go back. I'll do some research around your portfolio, the super. I'll look at your long term goals. It'll be factoring no contributions at the moment because you're unemployed. So just looking at, obviously, where we're tracking with the current circumstances we have, and I'm happy to update that down the track for you as well.\n\nI'll look at your both super funds, so the Australian super and hub twenty four, making sure everything's working and looking at what portfolios have, you know, have shown greater past performance to help you keep track of that. You are in that high growth environment, so that does kinda see about 90% of your super invested in those growth assets. So things like Australian shares, international shares, listed properties, and commodities. When you kinda figure on the risk scale of things, if you look at risk out of, say, one to five, five being the highest risk, one being no risk, or very, very low risk, You're sort of sitting in that fourth scenario there. The high growth environment does suit someone who's, you know, got at least eight years before accessing their super.\n\nThey're happy to take on more risk now knowing that in the downtime, they're also gonna feel that. Do you feel that's fairly comfortable for where you're at? Did you wanna look at reviewing or reducing that risk level a bit, or you're happy to stick with that? Yep. Yep.\n\nYep. Absolutely. Yeah. Perfect. Well, that does sort of fit your time horizon with where you're at at the moment.\n\nIt's more just about making sure that there are gonna be downtimes, and I'm happy that you've come out with a positive return this year. But this year, we did see a lot of volatility, unfortunately, with the role I have. I have had a lot of difficult conversations with him. I want to see really good returns, but this year's been completely out of our control, and the and the downtime have been quite consistent this year between March and April. Admittedly, it was, you know, no more than a 3% drop, but that when you have a higher balance can feel quite drastic.\n\nSo I just wanna sort of look at your portfolio, look at how it's working, try to maybe minimize fees where I possibly can. I'll keep a little bit active management in there for you as well and see what we can do to get it working a bit harder, and then just keep reviewing and updating it as we need to. Does that sound okay? Does that do you have any questions out of any of that? Yeah.\n\nBeautiful. Okay. Well, I will let you go back to enjoying the rest of your day. Good luck with the job hunt. If anything comes up, let me know.\n\nIt takes probably about two to three weeks to complete the research for the advice document. Are you okay if I book in a time now, or did you want me to get one of the team to give you a call in a week or two to book in a time? What's easier for you? Yeah. Absolutely.\n\nSo I'm looking at the week of the August 10. Is there a day, morning or afternoon that suits you best normally? Yep. Beautiful. And about this time, say, maybe 02:00.\n\nYep. Yep. Beautiful. I do have Monday, August 10 at 2PM available. If that's okay for you, we'll get it early in the week for you.\n\nYep. Fantastic, Luke. That one is all booked in there for you. It is about three weeks away, so I will just add a little text message reminder. If anything does come up, just let me know.\n\nWe can happily reschedule then. Otherwise, I'll give you a call at 02:00. We'll go through the updated advice document. I'll look I'll let you know what I'm recommending, how, why, how it's in your best interest, the advantages, disadvantages, risks involved, and then you get to take that away and have a really good read and decide what you're happy to take on board. Okay.\n\nEasy. My pleasure. You enjoy your day. Thank you for your time. K.\n\nSee you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Luke.","start":2.6399999,"end":3.12,"sentiment":"neutral","sentiment_score":0.09174156934022903},{"text":"It's Dana from Oakey Financial.","start":3.12,"end":4.64,"sentiment":"neutral","sentiment_score":0.14272602498531342},{"text":"How are you this afternoon?","start":4.64,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.1719542682170868},{"text":"That's good.","start":7.7599998,"end":8.24,"sentiment":"positive","sentiment_score":0.6584329605102539},{"text":"I had you booked in to go through a bit of an annual review there with you.","start":8.24,"end":10.8,"sentiment":"neutral","sentiment_score":0.25556301018771005}],"sentiment":"neutral","sentiment_score":0.23930069996464637,"num_words":31,"start":2.6399999,"end":10.8},{"sentences":[{"text":"Is now still a good time?","start":10.8,"end":12.259999,"sentiment":"neutral","sentiment_score":0.17835581054290137},{"text":"Fantastic.","start":14.385,"end":14.885,"sentiment":"positive","sentiment_score":0.49971094727516174},{"text":"How's your day been thus far?","start":15.105,"end":16.885,"sentiment":"neutral","sentiment_score":0.26222405582666397},{"text":"Oh, that's good.","start":18.545,"end":19.665,"sentiment":"positive","sentiment_score":0.3721507290999095},{"text":"That's really good.","start":19.665,"end":20.545,"sentiment":"positive","sentiment_score":0.40803834795951843}],"sentiment":"neutral","sentiment_score":0.2886188092984651,"num_words":19,"start":10.8,"end":20.545},{"sentences":[{"text":"I promise to take up too much of your time and interrupt that relaxation for you.","start":20.545,"end":24.404999,"sentiment":"neutral","sentiment_score":0.24851706717163324},{"text":"Lucas, before we jump into the call, I do have to let you know we do record our calls for quality and training purposes.","start":26.029999,"end":30.67,"sentiment":"neutral","sentiment_score":0.07655252547313769},{"text":"Are you happy for us to proceed with that?","start":30.67,"end":32.61,"sentiment":"neutral","sentiment_score":0.14292638500531515},{"text":"Fantastic.","start":34.03,"end":34.53,"sentiment":"positive","sentiment_score":0.38352182507514954},{"text":"And just to do a quick security check there with you as well just to confirm your full name, your date of birth, and address I should have on file.","start":34.67,"end":40.61,"sentiment":"neutral","sentiment_score":0.17786234468221665}],"sentiment":"neutral","sentiment_score":0.1602407914586365,"num_words":80,"start":20.545,"end":40.61},{"sentences":[{"text":"Yep.","start":43.495,"end":43.995,"sentiment":"neutral","sentiment_score":0.0240827314555645},{"text":"Yep.","start":44.934998,"end":45.434998,"sentiment":"neutral","sentiment_score":0.02583284303545952},{"text":"Beautiful.","start":46.934998,"end":47.434998,"sentiment":"positive","sentiment_score":0.38389813899993896},{"text":"Thank you so much for that.","start":47.495,"end":48.954998,"sentiment":"positive","sentiment_score":0.4896361132462819},{"text":"Luke, as part of your annual review, I do send through some compliance documents to you, which does have, some of the documents that I'll go through and explain to you today.","start":49.175,"end":56.475,"sentiment":"neutral","sentiment_score":0.1523957687895745}],"sentiment":"neutral","sentiment_score":0.20117792668865947,"num_words":41,"start":43.495,"end":56.475},{"sentences":[{"text":"Are you able to jump into your emails and grab a hold of that?","start":56.829998,"end":59.55,"sentiment":"neutral","sentiment_score":0.04408321263534682},{"text":"If not, that's okay.","start":59.55,"end":60.769997,"sentiment":"neutral","sentiment_score":-0.04997640009969473},{"text":"Oh, fantastic.","start":64.43,"end":65.57,"sentiment":"neutral","sentiment_score":-0.028798695653676987},{"text":"If it can't isn't in your inbox, it might be in your junk mail.","start":67.47,"end":70.43,"sentiment":"neutral","sentiment_score":-0.20506145698683603},{"text":"I tend to get directed through the junk.","start":70.43,"end":72.285,"sentiment":"neutral","sentiment_score":-0.15290119964629412}],"sentiment":"neutral","sentiment_score":-0.08891447642374606,"num_words":42,"start":56.829998,"end":72.285},{"sentences":[{"text":"You're right.","start":73.005005,"end":73.825005,"sentiment":"neutral","sentiment_score":0.024595744907855988},{"text":"When we're sort of going through the annual review, we'll go through and have a bit of look at your sleep, how it's how it's being obviously performing, look at any additional goals that you have, and what we can maybe do with Fireflies to help you along.","start":75.165,"end":84.465004,"sentiment":"neutral","sentiment_score":0.09359379089437425},{"text":"Is there any other questions or anything specific you kind of wanted me to touch base on as part of today's call?","start":84.65,"end":89.53,"sentiment":"neutral","sentiment_score":0.06967207755554806},{"text":"Or no.","start":89.53,"end":92.25,"sentiment":"neutral","sentiment_score":-0.06518815271556377},{"text":"That's okay.","start":92.25,"end":92.97,"sentiment":"neutral","sentiment_score":-0.03495563007891178}],"sentiment":"neutral","sentiment_score":0.07729199464972082,"num_words":76,"start":73.005005,"end":92.97},{"sentences":[{"text":"Do you have a look at your super very often?","start":92.97,"end":95.07,"sentiment":"neutral","sentiment_score":-0.013347687292844057},{"text":"No.","start":97.545,"end":97.865,"sentiment":"negative","sentiment_score":-0.3634008765220642},{"text":"That's okay.","start":97.865,"end":98.505,"sentiment":"neutral","sentiment_score":-0.0442439541220665},{"text":"That's honestly fine.","start":98.505,"end":99.465,"sentiment":"neutral","sentiment_score":0.30836816628774005},{"text":"Sometimes it's the best way.","start":99.465,"end":100.585,"sentiment":"positive","sentiment_score":0.39700889587402344}],"sentiment":"neutral","sentiment_score":0.11070396764469999,"num_words":21,"start":92.97,"end":100.585},{"sentences":[{"text":"You're still young.","start":100.585,"end":101.225,"sentiment":"neutral","sentiment_score":0.12369728585084279},{"text":"You've got a lot of time ahead of you.","start":101.225,"end":102.585,"sentiment":"neutral","sentiment_score":0.09572221587101619},{"text":"It's you know, what happens in the next twenty years is important, not so much today.","start":102.585,"end":106.604996,"sentiment":"neutral","sentiment_score":-0.05994326900690794},{"text":"No.","start":108.744995,"end":108.985,"sentiment":"neutral","sentiment_score":0.024239040911197662},{"text":"All good, Luke.","start":108.985,"end":109.95,"sentiment":"neutral","sentiment_score":0.269953986008962}],"sentiment":"neutral","sentiment_score":0.03461251547560096,"num_words":32,"start":100.585,"end":109.95},{"sentences":[{"text":"We're essentially having a bit of a look back to give you an update on your super balance.","start":110.189995,"end":113.81,"sentiment":"neutral","sentiment_score":0.16179434789551628},{"text":"When we sort of touched base and did your annual review last year, your balance number was a 121,001 and 176 in Hub twenty four.","start":113.95,"end":121.57,"sentiment":"neutral","sentiment_score":0.10713968187570572},{"text":"Your balance in Hub twenty four as of today's date, so yesterday's date is a 125,323 and 15¢ there.","start":121.95,"end":130.11499,"sentiment":"neutral","sentiment_score":0.12846665332714716},{"text":"So we have had an increase.","start":130.11499,"end":131.735,"sentiment":"neutral","sentiment_score":0.3030449127157529},{"text":"Admittedly, all your contributions do go into Australian Super, not so much hub twenty four.","start":132.035,"end":136.755,"sentiment":"neutral","sentiment_score":0.15405060698588688}],"sentiment":"neutral","sentiment_score":0.14673437378028545,"num_words":83,"start":110.189995,"end":136.755},{"sentences":[{"text":"So, essentially, it is what the portfolio has been doing on its own.","start":136.755,"end":140.295,"sentiment":"neutral","sentiment_score":0.2049373067342318},{"text":"In Australian Super, the current balance last year when we touched base was 19,057, and your balance now is 37,420.","start":140.86,"end":149.98001,"sentiment":"neutral","sentiment_score":0.23585866764187813},{"text":"So that's increased quite considerably there as well.","start":149.98001,"end":153.6,"sentiment":"positive","sentiment_score":0.3572782762348652},{"text":"When we have a look at the super, the performance, and how it is essentially going, majority of your portfolio has been performing quite well.","start":153.835,"end":162.795,"sentiment":"neutral","sentiment_score":0.21267043948173522},{"text":"I can see a couple of investments that are slightly underperforming a little bit, and I know your portfolio was kinda updated early twenty twenty five to one of the newer portfolios.","start":162.795,"end":173.0,"sentiment":"neutral","sentiment_score":-0.17897414090111852}],"sentiment":"neutral","sentiment_score":0.10029768396397026,"num_words":98,"start":136.755,"end":173.0},{"sentences":[{"text":"Looking at sort of how that's performed from there, I would like to sort of see a little bit more of an increase.","start":173.62,"end":178.36,"sentiment":"neutral","sentiment_score":-0.0048818041610976925},{"text":"There are two investments I would probably look to maybe remove out of there if you're comfortable with me updating the advice for you.","start":179.3,"end":186.13501,"sentiment":"neutral","sentiment_score":-0.01801114995032549},{"text":"But as a whole, the total earnings and the income that's been generated within Hub twenty four over the past twelve months, you've made over $7,483.","start":186.595,"end":195.71501,"sentiment":"neutral","sentiment_score":0.1602049022912979},{"text":"So it's a bit lower 4% return for the year net of fees.","start":195.71501,"end":199.24,"sentiment":"neutral","sentiment_score":0.11623777277194537},{"text":"When you kinda look at the sort of portfolio you're in, you were in that high growth environment.","start":199.62001,"end":204.36,"sentiment":"neutral","sentiment_score":-0.0014217346906661987}],"sentiment":"neutral","sentiment_score":0.049098828717922934,"num_words":104,"start":173.62,"end":204.36},{"sentences":[{"text":"So you're sort of wanting to take a more risk trying to obtain greater potential returns.","start":204.42001,"end":208.6,"sentiment":"neutral","sentiment_score":-0.0826947009190917},{"text":"But it also does mean in market volatility and downtimes, and this year has definitely been in a very up and down sort of time within the market and globally.","start":209.22,"end":217.775,"sentiment":"neutral","sentiment_score":-0.22235452011227608},{"text":"It does mean that you are gonna see lower returns, and that will be reflecting your portfolio there as well.","start":218.315,"end":223.515,"sentiment":"neutral","sentiment_score":-0.2296019047498703},{"text":"So it is definitely a lower return than what I would like to have seen for this year given your portfolio.","start":223.515,"end":229.23,"sentiment":"neutral","sentiment_score":-0.12717011003267198},{"text":"But to come out after what we've seen this year with the market volatility and the ups and downs, March and April was kind of the really worst sort of point of that, those ups and downs of what was happening between The US and the Iran war, but also here.","start":230.33,"end":243.925,"sentiment":"neutral","sentiment_score":-0.20359972718299604}],"sentiment":"neutral","sentiment_score":-0.1857967196383338,"num_words":138,"start":204.42001,"end":243.925},{"sentences":[{"text":"In Australia, we had high inflationary rates, which also had an effect on bonds and fixed interest investments as well.","start":243.925,"end":250.98,"sentiment":"neutral","sentiment_score":-0.03973183706402779},{"text":"So it is lower than I would like, but I am glad you have come out with a positive return after the last twelve months as well.","start":251.37999,"end":257.8,"sentiment":"positive","sentiment_score":0.4354249946773052},{"text":"Okay?","start":257.86,"end":258.36,"sentiment":"neutral","sentiment_score":0.1881333440542221},{"text":"Beautiful.","start":259.62,"end":260.12,"sentiment":"positive","sentiment_score":0.4984930455684662},{"text":"It is a lot.","start":260.26,"end":260.97998,"sentiment":"neutral","sentiment_score":0.32981880754232407}],"sentiment":"neutral","sentiment_score":0.24467433461884283,"num_words":53,"start":243.925,"end":260.97998},{"sentences":[{"text":"Did you have any questions?","start":260.97998,"end":262.34,"sentiment":"neutral","sentiment_score":0.061785914748907086},{"text":"Did you yeah.","start":262.34,"end":276.255,"sentiment":"neutral","sentiment_score":0.009634587292869886},{"text":"We've we've gone from 19,000 to about 37%, which is majority of that's your contributions.","start":282.77,"end":288.07,"sentiment":"neutral","sentiment_score":0.010868608268598716},{"text":"Yeah.","start":288.61002,"end":289.11002,"sentiment":"neutral","sentiment_score":0.02498113363981247},{"text":"Yeah.","start":292.07498,"end":292.57498,"sentiment":"neutral","sentiment_score":0.009280279278755188}],"sentiment":"neutral","sentiment_score":0.02140495490282774,"num_words":25,"start":260.97998,"end":292.57498},{"sentences":[{"text":"No.","start":292.715,"end":292.955,"sentiment":"neutral","sentiment_score":-0.016412993893027306},{"text":"That's okay.","start":292.955,"end":293.775,"sentiment":"neutral","sentiment_score":0.005968789104372262},{"text":"What I would like to do I know one of the things having a look at it I know last year when you spoke to my colleague, we did provide a bit of an update on the investment portfolio.","start":294.315,"end":302.655,"sentiment":"neutral","sentiment_score":0.024184583089290522},{"text":"Having a look at the individual investments, you do have one of those investors that's been along Australian equities.","start":303.6,"end":309.3,"sentiment":"neutral","sentiment_score":0.012808466330170631},{"text":"That investment specifically has underperformed a little bit within your portfolio there.","start":309.84,"end":314.34,"sentiment":"neutral","sentiment_score":-0.013932123004148403}],"sentiment":"neutral","sentiment_score":0.01390272204139053,"num_words":73,"start":292.715,"end":314.34},{"sentences":[{"text":"Normally, we would sort of not wanna be, you know, taking an investment out or cementing a a loss or a downtime with an investment.","start":315.04,"end":322.375,"sentiment":"neutral","sentiment_score":-0.10635107144713402},{"text":"But, unfortunately, the issues have been along are kind of in the underlying investments itself.","start":323.07498,"end":327.655,"sentiment":"neutral","sentiment_score":-0.20531964699427288},{"text":"So when you kinda look at the Australian market, it actually is up at the moment.","start":327.79498,"end":332.535,"sentiment":"neutral","sentiment_score":-0.035043553449213505},{"text":"And you've also got other Australian equities in your portfolio as well, which are showing a positive return at the moment.","start":332.72,"end":337.76,"sentiment":"positive","sentiment_score":0.42106765721525463},{"text":"So the fact that Benelon is down is kinda holding your returns back a little bit.","start":337.76,"end":341.94,"sentiment":"negative","sentiment_score":-0.4276770371943712}],"sentiment":"neutral","sentiment_score":-0.04623311978354249,"num_words":93,"start":315.04,"end":341.94},{"sentences":[{"text":"We do kinda wanna go and remove that from your portfolio.","start":342.40002,"end":345.30002,"sentiment":"neutral","sentiment_score":-0.31851758740165015},{"text":"There's no point being invested in investments that are underperforming, is important to continue updating those a little bit as well.","start":345.36002,"end":353.175,"sentiment":"neutral","sentiment_score":-0.12119623433266367},{"text":"It also looks like the other investment in your portfolio that's not performing as well as we kind of had a hope to expect it is the India investment.","start":353.175,"end":360.555,"sentiment":"neutral","sentiment_score":-0.1393790313139044},{"text":"So it's the beta shares India ETF.","start":360.69498,"end":363.24002,"sentiment":"neutral","sentiment_score":-0.018868952989578247},{"text":"That is also showing a little bit of a pullback on your investments as well.","start":363.38,"end":367.14,"sentiment":"neutral","sentiment_score":-0.23072351614634196}],"sentiment":"neutral","sentiment_score":-0.16486435787505413,"num_words":83,"start":342.40002,"end":367.14},{"sentences":[{"text":"So are you comfortable with me going back just reviewing those two investments, maybe restructuring your portfolio and seeing if we can make it work a little bit harder for you?","start":367.14,"end":375.315,"sentiment":"neutral","sentiment_score":-0.07428323177080001},{"text":"Yeah.","start":376.835,"end":377.155,"sentiment":"neutral","sentiment_score":0.12689034640789032},{"text":"Yeah.","start":377.155,"end":377.475,"sentiment":"neutral","sentiment_score":0.22086790204048157},{"text":"Beautiful.","start":377.475,"end":377.975,"sentiment":"positive","sentiment_score":0.4535548985004425},{"text":"There's no point being invested in anything underperforming there, and it is really important to continuously update your portfolio.","start":378.115,"end":383.895,"sentiment":"neutral","sentiment_score":-0.04112215438171437}],"sentiment":"neutral","sentiment_score":-0.04307147115468979,"num_words":53,"start":367.14,"end":383.895},{"sentences":[{"text":"I know we did sort of update things last year with with what we've got in here at the moment, but hoping that we don't have to, you know, update things on a yearly basis.","start":384.995,"end":394.03998,"sentiment":"neutral","sentiment_score":-0.02311405624662127},{"text":"It's best to sort of set up a portfolio and have it working for a couple of years at a time.","start":394.03998,"end":399.02,"sentiment":"neutral","sentiment_score":-0.004011129516930808},{"text":"But, unfortunately, just with what's been happening in the markets, and we've been along underperforming up until recently.","start":399.47998,"end":405.035,"sentiment":"negative","sentiment_score":-0.4355274091164271},{"text":"We've been a long thing, really great positive past performance, but most recently, they've had some underlying issues with one of their underlying investments.","start":405.035,"end":412.475,"sentiment":"neutral","sentiment_score":-0.23697238198171058},{"text":"And they can't get out of that investment, so we feel it's best to remove you from that now rather than to wait and sort of see if it drags your portfolio down further.","start":412.475,"end":422.6187,"sentiment":"negative","sentiment_score":-0.5014927983283997}],"sentiment":"neutral","sentiment_score":-0.23841523760083047,"num_words":132,"start":384.995,"end":422.6187},{"sentences":[{"text":"Does that make sense?","start":422.6187,"end":424.54453,"sentiment":"neutral","sentiment_score":-0.0051644472405314445},{"text":"Do you have any questions, like, do you yeah.","start":424.54453,"end":429.35904,"sentiment":"neutral","sentiment_score":-0.07802885450008842},{"text":"Yeah.","start":429.35904,"end":429.84048,"sentiment":"neutral","sentiment_score":0.00695127435028553},{"text":"Absolutely.","start":429.84048,"end":430.32193,"sentiment":"neutral","sentiment_score":0.03907443955540657},{"text":"Let's get rid of that one out of there.","start":430.32193,"end":434.655,"sentiment":"neutral","sentiment_score":-0.165571385787593}],"sentiment":"neutral","sentiment_score":-0.09029309323523194,"num_words":24,"start":422.6187,"end":434.655},{"sentences":[{"text":"Now the one thing I sort of wanted to talk to you about was how you sort of like to see your investment structured.","start":434.735,"end":439.395,"sentiment":"neutral","sentiment_score":0.06290692447995146},{"text":"There are two types of ways of investing.","start":439.775,"end":441.775,"sentiment":"neutral","sentiment_score":0.06884779827669263},{"text":"One of those is having more of an actively managed component.","start":441.775,"end":444.595,"sentiment":"neutral","sentiment_score":0.07465901801531966},{"text":"By having an active manager in your portfolio, it's very similar to what Benelong is.","start":445.29498,"end":449.43,"sentiment":"neutral","sentiment_score":0.11958814412355423},{"text":"They're an active manager.","start":449.83,"end":450.94998,"sentiment":"neutral","sentiment_score":0.1434568054974079}],"sentiment":"neutral","sentiment_score":0.08466850251199738,"num_words":62,"start":434.735,"end":450.94998},{"sentences":[{"text":"They're supposed to be buying and selling in a way that sort of gives you they're trying to outperform you're right.","start":450.94998,"end":457.03,"sentiment":"neutral","sentiment_score":0.13622943808635077},{"text":"Sorry.","start":457.03,"end":457.53,"sentiment":"neutral","sentiment_score":-0.0435732901096344},{"text":"You're right.","start":458.71,"end":459.44998,"sentiment":"neutral","sentiment_score":-0.015796493738889694},{"text":"A oh, good.","start":470.08502,"end":471.36502,"sentiment":"neutral","sentiment_score":0.08978046601017316},{"text":"No.","start":471.36502,"end":471.525,"sentiment":"neutral","sentiment_score":0.04395162686705589}],"sentiment":"neutral","sentiment_score":0.1106766052544117,"num_words":28,"start":450.94998,"end":471.525},{"sentences":[{"text":"You're fine.","start":471.525,"end":472.165,"sentiment":"neutral","sentiment_score":0.09762195125222206},{"text":"Let me know if you do need to stop.","start":472.165,"end":473.765,"sentiment":"neutral","sentiment_score":0.023643107877837286},{"text":"Absolutely.","start":473.765,"end":474.265,"sentiment":"positive","sentiment_score":0.4319969415664673},{"text":"Easy.","start":474.725,"end":475.225,"sentiment":"positive","sentiment_score":0.37522315979003906},{"text":"There are sort of two types of ways of investing within your portfolio.","start":476.35,"end":479.41,"sentiment":"neutral","sentiment_score":0.14728679679907286}],"sentiment":"neutral","sentiment_score":0.12038385896728589,"num_words":26,"start":471.525,"end":479.41},{"sentences":[{"text":"You can have active managers very similar to.","start":479.47,"end":482.05,"sentiment":"neutral","sentiment_score":0.07828798983246088},{"text":"They are trying to buy and sell in a way that outperform against the market or the benchmark that they're trying to, you know, work against.","start":482.35,"end":488.61,"sentiment":"neutral","sentiment_score":0.059327057509038314},{"text":"Active managers don't always have to outperform against the market.","start":489.625,"end":492.905,"sentiment":"neutral","sentiment_score":-0.08545058891177178},{"text":"They do have years where they don't.","start":492.905,"end":494.505,"sentiment":"neutral","sentiment_score":-0.1320635016475405},{"text":"Ben along definitely has not this year, and some of the other active managers are have been struggling to do so this year as well.","start":494.505,"end":500.845,"sentiment":"neutral","sentiment_score":-0.14978785276412965}],"sentiment":"neutral","sentiment_score":-0.04414262244551394,"num_words":76,"start":479.47,"end":500.845},{"sentences":[{"text":"You can also invest passively, which is essentially looking at index funds, which are seen as lower risk.","start":501.225,"end":506.96,"sentiment":"neutral","sentiment_score":0.11259016932712661},{"text":"They are a much cheaper way of investing, and those investments are designed to track the market.","start":506.96,"end":511.7,"sentiment":"neutral","sentiment_score":0.21793011444456437},{"text":"Did you wanna look at more of a a low a lower cost portfolio, maybe looking at reducing the fees, or did you wanna still see some active management in your portfolio with regard to those managers?","start":512.56,"end":522.585,"sentiment":"neutral","sentiment_score":0.10015201780038911},{"text":"What would you like me to sort of focus on investment wise?","start":522.585,"end":525.245,"sentiment":"neutral","sentiment_score":0.03416576609015465},{"text":"Yep.","start":530.745,"end":531.245,"sentiment":"neutral","sentiment_score":-0.009497364982962608}],"sentiment":"neutral","sentiment_score":0.11573589976657839,"num_words":85,"start":501.225,"end":531.245},{"sentences":[{"text":"Yeah.","start":532.31,"end":532.63,"sentiment":"neutral","sentiment_score":0.10583200305700302},{"text":"That's okay.","start":532.63,"end":533.35004,"sentiment":"neutral","sentiment_score":0.12265560030937195},{"text":"Did you want me to still go back and remove Ben along and see if I can replace it with something else for you, or did you wanna just yeah.","start":533.35004,"end":540.81,"sentiment":"neutral","sentiment_score":0.009798317154248556},{"text":"Absolutely.","start":545.045,"end":545.545,"sentiment":"positive","sentiment_score":0.3487927317619324},{"text":"Yeah.","start":547.045,"end":547.545,"sentiment":"neutral","sentiment_score":0.04828720539808273}],"sentiment":"neutral","sentiment_score":0.029776361584663392,"num_words":35,"start":532.31,"end":547.545},{"sentences":[{"text":"Yeah.","start":548.64496,"end":549.045,"sentiment":"positive","sentiment_score":0.357021689414978},{"text":"Absolutely.","start":549.045,"end":549.545,"sentiment":"positive","sentiment_score":0.6580398082733154},{"text":"There's definitely room for improvement there.","start":549.925,"end":552.165,"sentiment":"positive","sentiment_score":0.5521405041217804},{"text":"Obviously, there are certain concerns with what's been happening in the market this year with the ups and downs and the volatility.","start":552.165,"end":557.38495,"sentiment":"negative","sentiment_score":-0.3501407690346241},{"text":"But when you look at the Australian market as a whole, and even The US market, essentially, the those other investments are up.","start":558.08997,"end":564.32996,"sentiment":"neutral","sentiment_score":-0.0982774219111256}],"sentiment":"neutral","sentiment_score":-0.10633156793016307,"num_words":53,"start":548.64496,"end":564.32996},{"sentences":[{"text":"The market is still up as a whole.","start":564.32996,"end":566.25,"sentiment":"neutral","sentiment_score":-0.016136717051267624},{"text":"The dips we saw between sort of March to to April, essentially, were only maybe at the maximum about a 3% dip.","start":566.25,"end":575.14496,"sentiment":"negative","sentiment_score":-0.3513909767974507},{"text":"It wasn't that big of a a dip.","start":575.14496,"end":576.745,"sentiment":"negative","sentiment_score":-0.3819644898176193},{"text":"It was just the ups and downs we were feeling on a daily basis and how drastic it was and everything in the news that kinda made it worse for wear.","start":576.745,"end":584.285,"sentiment":"negative","sentiment_score":-0.4658433420042838},{"text":"But the fact that Bennelong is still down, it's not really recovering.","start":584.47,"end":587.51,"sentiment":"negative","sentiment_score":-0.5312006970246633}],"sentiment":"negative","sentiment_score":-0.3917402853200465,"num_words":81,"start":564.32996,"end":587.51},{"sentences":[{"text":"And with the underlying issues, it is best to remove that from the portfolio now.","start":587.51,"end":591.69,"sentiment":"negative","sentiment_score":-0.4638112008571625},{"text":"Essentially, what to kinda give you a bit more clarity, Bennelong have what's an investment called Corporate Traveler.","start":592.23,"end":598.25,"sentiment":"neutral","sentiment_score":-0.1975520278016726},{"text":"Corporate Traveler have just recently come out to the market, noting that they were dishonest to investors.","start":598.575,"end":604.03503,"sentiment":"negative","sentiment_score":-0.4643398979130913},{"text":"That meant that Corporate Traveler had to be invest had to be reevaluated as part of the Van Along portfolio.","start":604.41504,"end":610.515,"sentiment":"neutral","sentiment_score":-0.32561239078640936},{"text":"And because of that, Bennelong had to be reevaluated.","start":610.97003,"end":613.31,"sentiment":"neutral","sentiment_score":-0.27239808109071517}],"sentiment":"negative","sentiment_score":-0.3464647256120851,"num_words":79,"start":587.51,"end":613.31},{"sentences":[{"text":"Now because of what corporate travelers did, they're actually at a trading halt.","start":613.69,"end":617.61,"sentiment":"negative","sentiment_score":-0.3576325728343083},{"text":"So it means that no one can kinda sell that investment at the moment.","start":617.61,"end":621.21,"sentiment":"negative","sentiment_score":-0.36702272508825573},{"text":"They don't let it be traded on.","start":621.21,"end":622.91003,"sentiment":"neutral","sentiment_score":-0.1474693822009223},{"text":"So we they can Venalong can't get rid of Paul the Traveler, but we can get you out of Venalong.","start":623.075,"end":627.555,"sentiment":"neutral","sentiment_score":-0.1833007238805294},{"text":"So it is best to kind of remove that from your portfolio now.","start":627.555,"end":631.495,"sentiment":"neutral","sentiment_score":-0.18617761350021914}],"sentiment":"neutral","sentiment_score":-0.2523306078597236,"num_words":67,"start":613.69,"end":631.495},{"sentences":[{"text":"The dips are the, yeah, the dips aren't bad.","start":631.555,"end":635.395,"sentiment":"neutral","sentiment_score":0.12496611558728749},{"text":"It's important to kinda get out now what can.","start":635.395,"end":637.52997,"sentiment":"neutral","sentiment_score":0.08251307490799162},{"text":"We can utilize the downtime that Ben Long's been to kind of readjust your portfolio and offset any capital gains within the portfolio as well to make it more cost effective.","start":637.52997,"end":646.67,"sentiment":"neutral","sentiment_score":0.14982933118458716},{"text":"I'll also have a look if you like that investment fees and see if we can make the portfolio a bit cheaper for you as well.","start":647.37,"end":652.49,"sentiment":"neutral","sentiment_score":0.15954594056193644},{"text":"How does that sound?","start":652.49,"end":653.625,"sentiment":"neutral","sentiment_score":0.1772586926817894}],"sentiment":"neutral","sentiment_score":0.1439145722343952,"num_words":79,"start":631.555,"end":653.625},{"sentences":[{"text":"Yep.","start":654.965,"end":655.445,"sentiment":"positive","sentiment_score":0.41402697563171387},{"text":"Beautiful.","start":655.445,"end":655.945,"sentiment":"positive","sentiment_score":0.6639339923858643},{"text":"In your pack there, you do have the performance report for hub twenty four, so feel free to have a look through that one.","start":657.04504,"end":663.685,"sentiment":"neutral","sentiment_score":0.2610177528113127},{"text":"It does kinda go through the individual investments and does show the total return net.","start":663.685,"end":667.78503,"sentiment":"neutral","sentiment_score":0.10202883308132489},{"text":"Yeah.","start":668.68005,"end":669.18005,"sentiment":"neutral","sentiment_score":0.06166669726371765}],"sentiment":"neutral","sentiment_score":0.21272586259458745,"num_words":42,"start":654.965,"end":669.18005},{"sentences":[{"text":"Yeah.","start":669.4,"end":669.9,"sentiment":"neutral","sentiment_score":0.0629630982875824},{"text":"So we'll see if we can get that working a bit harder there for you.","start":670.04004,"end":672.94,"sentiment":"neutral","sentiment_score":0.033392772326866785},{"text":"I know past that we have not really done a lot in the way of catch ups.","start":673.32,"end":677.24005,"sentiment":"neutral","sentiment_score":-0.13072083649389885},{"text":"I wanna make sure this year we're doing a few more in the way of catch ups with you.","start":677.24005,"end":680.895,"sentiment":"neutral","sentiment_score":-0.055292176572900066},{"text":"Did you want us to maybe touch base in about three, six, twelve months?","start":680.97504,"end":684.17505,"sentiment":"neutral","sentiment_score":-0.009405452225889479}],"sentiment":"neutral","sentiment_score":-0.04303980641292803,"num_words":66,"start":669.4,"end":684.17505},{"sentences":[{"text":"How often would you like me to touch base with you to have a yeah.","start":684.17505,"end":691.635,"sentiment":"neutral","sentiment_score":0.0010183341801166534},{"text":"Six months.","start":693.79,"end":694.61,"sentiment":"neutral","sentiment_score":0.0003420503344386816},{"text":"Yeah.","start":694.75,"end":695.06995,"sentiment":"neutral","sentiment_score":0.22554585337638855},{"text":"Beautiful.","start":695.06995,"end":695.56995,"sentiment":"positive","sentiment_score":0.5903947949409485},{"text":"Excellent.","start":695.87,"end":696.26996,"sentiment":"positive","sentiment_score":0.6326603293418884}],"sentiment":"neutral","sentiment_score":0.07322800455149263,"num_words":20,"start":684.17505,"end":696.26996},{"sentences":[{"text":"Well, what I'll do is I'll go back after the call, do some research with my team.","start":696.26996,"end":699.81,"sentiment":"neutral","sentiment_score":0.11276798147489042},{"text":"I'll book you back in at the end as well for a couple of weeks to come back.","start":699.94995,"end":702.91,"sentiment":"neutral","sentiment_score":0.12293761347730954},{"text":"We'll go through the advice document.","start":702.91,"end":704.35,"sentiment":"neutral","sentiment_score":0.0992640679081281},{"text":"I'll let you know what I'm recommending, the what changes we make to the super fund and the portfolio, and then you can take that away.","start":704.35,"end":710.60504,"sentiment":"neutral","sentiment_score":0.09411519880478199},{"text":"We'll make those changes, and we could do a six month catch up thereafter for you.","start":710.60504,"end":714.205,"sentiment":"neutral","sentiment_score":0.08159264689311385}],"sentiment":"neutral","sentiment_score":0.10214451390756182,"num_words":83,"start":696.26996,"end":714.205},{"sentences":[{"text":"Okay?","start":714.205,"end":714.705,"sentiment":"neutral","sentiment_score":0.06954343616962433},{"text":"Fantastic.","start":716.04504,"end":716.54504,"sentiment":"positive","sentiment_score":0.6422867774963379},{"text":"Now having a look at your file as well, you've got the Australian Super account there.","start":717.245,"end":721.01,"sentiment":"neutral","sentiment_score":0.2315497286617756},{"text":"Contributions should still be going to Australian Super.","start":721.01,"end":723.75,"sentiment":"neutral","sentiment_score":0.24212099239230156},{"text":"We do wanna retain that for a little bit longer.","start":724.05,"end":726.21,"sentiment":"neutral","sentiment_score":0.11174059058539569}],"sentiment":"neutral","sentiment_score":0.2075277699235206,"num_words":36,"start":714.205,"end":726.21},{"sentences":[{"text":"Now I know having a look back, I know you've got your TAL Life and TPD insurances, but the Australian Super had been retained back as well.","start":726.21,"end":735.57,"sentiment":"neutral","sentiment_score":-0.029491226395799056},{"text":"I know it was originally recommended to cancel off there, but you've got some life, safety, and income protection with us within Australian Super there.","start":735.57,"end":743.145,"sentiment":"neutral","sentiment_score":-0.046846189871430396},{"text":"I've had a really good look at the file and the insurances.","start":744.085,"end":746.585,"sentiment":"positive","sentiment_score":0.4207150886456172},{"text":"With your towel policy, your life cover, you've got a current sum insured of about 1,200,000 just over there of life cover.","start":747.125,"end":755.67004,"sentiment":"neutral","sentiment_score":0.1737488999285481},{"text":"You've also got about 140,000 in Australian super as life cover there as well.","start":755.73004,"end":761.11005,"sentiment":"neutral","sentiment_score":0.08485647557037217}],"sentiment":"neutral","sentiment_score":0.0809162966068834,"num_words":100,"start":726.21,"end":761.11005},{"sentences":[{"text":"The TBD is kind of where the important side of things comes into play.","start":761.535,"end":765.135,"sentiment":"neutral","sentiment_score":0.018206527323595116},{"text":"So with TBD, you've got the same level within the.","start":765.135,"end":768.33496,"sentiment":"neutral","sentiment_score":0.026966333203017712},{"text":"It's the 1,200,000.","start":768.33496,"end":769.875,"sentiment":"neutral","sentiment_score":0.022064051901300747},{"text":"The main sort of difference is is what's called an ADL definition.","start":770.095,"end":773.15497,"sentiment":"neutral","sentiment_score":-0.020525542087852955},{"text":"I know my colleague Kyle last year explained what ADL definition for TBD is.","start":773.21497,"end":778.14,"sentiment":"neutral","sentiment_score":-0.005310130372111287}],"sentiment":"neutral","sentiment_score":0.005096198867936179,"num_words":53,"start":761.535,"end":778.14},{"sentences":[{"text":"Do you remember going through that with him?","start":778.2,"end":780.46,"sentiment":"neutral","sentiment_score":-0.013161932583898306},{"text":"Basically.","start":782.12,"end":782.62,"sentiment":"neutral","sentiment_score":-0.08502441644668579},{"text":"That's okay.","start":785.0,"end":785.9,"sentiment":"neutral","sentiment_score":-0.00975552015006542},{"text":"That's absolutely fine.","start":786.76,"end":787.88,"sentiment":"neutral","sentiment_score":0.15149674564599988},{"text":"So an ADL definition for TBD essentially means that you have to be unable to do three of the five activities of daily living.","start":787.88,"end":796.065,"sentiment":"neutral","sentiment_score":-0.12330480385571718}],"sentiment":"neutral","sentiment_score":-0.07143831507940042,"num_words":38,"start":778.2,"end":796.065},{"sentences":[{"text":"So they're thinking things like bathing yourself, feeding yourself, dressing yourself, going to the bathroom, things like that.","start":796.065,"end":802.53,"sentiment":"neutral","sentiment_score":-0.06693015868465106},{"text":"They it is a very difficult definition to claim on, and that would come about because of your occupation.","start":802.61005,"end":809.03,"sentiment":"neutral","sentiment_score":-0.10901900253405697},{"text":"So I've got down here that you're a long distance oil tanker driver.","start":809.33,"end":813.57,"sentiment":"neutral","sentiment_score":-0.021553057030989572},{"text":"Is that right?","start":813.57,"end":814.39,"sentiment":"neutral","sentiment_score":-0.01016524868706862},{"text":"Yeah.","start":819.585,"end":819.98505,"sentiment":"neutral","sentiment_score":-0.02566150203347206}],"sentiment":"neutral","sentiment_score":-0.06689723877719154,"num_words":54,"start":796.065,"end":819.98505},{"sentences":[{"text":"Oh, I'm so sorry.","start":819.98505,"end":821.36505,"sentiment":"neutral","sentiment_score":-0.03824749309569597},{"text":"Oh, no.","start":821.585,"end":822.325,"sentiment":"neutral","sentiment_score":-0.0879788026213646},{"text":"Yeah.","start":826.465,"end":826.965,"sentiment":"neutral","sentiment_score":-0.04945841804146767},{"text":"Yeah.","start":829.68,"end":830.18,"sentiment":"neutral","sentiment_score":-0.01028355397284031},{"text":"Look.","start":830.32,"end":830.63995,"sentiment":"neutral","sentiment_score":-0.006981566548347473}],"sentiment":"neutral","sentiment_score":-0.043963457354240947,"num_words":9,"start":819.98505,"end":830.63995},{"sentences":[{"text":"I don't blame you.","start":830.63995,"end":831.75995,"sentiment":"neutral","sentiment_score":-0.12538782879710197},{"text":"I've been doing what you did for a living.","start":831.75995,"end":834.0,"sentiment":"neutral","sentiment_score":-0.0742143914103508},{"text":"I do not blame you in any way.","start":834.0,"end":835.36,"sentiment":"neutral","sentiment_score":-0.1083254124969244},{"text":"I think safety is the first and foremost, especially with driving a tanker around.","start":835.36,"end":839.38,"sentiment":"neutral","sentiment_score":-0.028415820295257226},{"text":"Yep.","start":840.735,"end":841.235,"sentiment":"neutral","sentiment_score":-0.1538098007440567}],"sentiment":"neutral","sentiment_score":-0.0718809839648505,"num_words":36,"start":830.63995,"end":841.235},{"sentences":[{"text":"Yeah.","start":849.375,"end":849.875,"sentiment":"neutral","sentiment_score":-0.30996328592300415},{"text":"Yeah.","start":850.975,"end":851.475,"sentiment":"neutral","sentiment_score":-0.1221163421869278},{"text":"No.","start":851.855,"end":852.175,"sentiment":"neutral","sentiment_score":-0.1697838008403778},{"text":"Absolutely.","start":852.175,"end":852.675,"sentiment":"neutral","sentiment_score":-0.0429760217666626},{"text":"So as I kinda mentioned, you've got the ADL definition of TPD with.","start":854.31,"end":858.01,"sentiment":"neutral","sentiment_score":-0.017807927555762805}],"sentiment":"neutral","sentiment_score":-0.05154955934952287,"num_words":17,"start":849.375,"end":858.01},{"sentences":[{"text":"However, the TPD, the total permanent disability you have in Australian super, isn't any occupation definition, which is much easier to claim on.","start":858.23004,"end":866.65497,"sentiment":"neutral","sentiment_score":-0.10344968023507492},{"text":"It just means that if in your that you're unable to go back to work again due to permanent incapacity, you have to be unable to ever go back to work again in any occupation for which you're educated, trained, or have worked in the past.","start":866.65497,"end":878.115,"sentiment":"neutral","sentiment_score":-0.21819865833158078},{"text":"So the Australian super TBD is really important to keep in hand at the moment.","start":878.27,"end":883.17,"sentiment":"neutral","sentiment_score":0.04260386899113655},{"text":"The trial TBD the TBD within Australian super, you've only got about $34,000 off, so it's very minimal cover.","start":884.03,"end":894.47504,"sentiment":"neutral","sentiment_score":-0.10464026151519072},{"text":"Yeah.","start":896.455,"end":896.955,"sentiment":"neutral","sentiment_score":-0.001101408153772354}],"sentiment":"neutral","sentiment_score":-0.13237201221860373,"num_words":104,"start":858.23004,"end":896.955},{"sentences":[{"text":"But it is an an easier occupation to claim on, and it would be one of the first things we try to claim on in the event of permanent incapacity.","start":897.09503,"end":903.675,"sentiment":"neutral","sentiment_score":-0.0311832245439291},{"text":"So me, personally, I'd be wanting to try and keep that for you.","start":903.815,"end":906.875,"sentiment":"neutral","sentiment_score":0.05047598466850244},{"text":"And then just the towel policy that Yeah.","start":906.98004,"end":911.64,"sentiment":"neutral","sentiment_score":0.013312223134562373},{"text":"Absolutely.","start":914.26,"end":914.76,"sentiment":"neutral","sentiment_score":0.014475159347057344},{"text":"Absolutely.","start":915.46,"end":915.96,"sentiment":"neutral","sentiment_score":0.04949931055307388}],"sentiment":"neutral","sentiment_score":-0.0020535222764285106,"num_words":53,"start":897.09503,"end":915.96},{"sentences":[{"text":"I think one of the big things if we looked to essentially cancel that TPD definition, it would mean that in order for you to claim on permanent incapacity, you would have to meet that activity to daily living definition, and that is very hard to meet.","start":916.10004,"end":931.205,"sentiment":"neutral","sentiment_score":-0.19694596513154658},{"text":"Absolutely.","start":938.0,"end":938.5,"sentiment":"neutral","sentiment_score":-0.03457615524530411},{"text":"Absolutely.","start":939.2,"end":939.7,"sentiment":"positive","sentiment_score":0.6066470146179199},{"text":"Absolutely.","start":940.16003,"end":940.66003,"sentiment":"positive","sentiment_score":0.46395355463027954},{"text":"Very much a difficult definition to claim on there.","start":940.88,"end":943.28,"sentiment":"neutral","sentiment_score":-0.2943957878483666}],"sentiment":"neutral","sentiment_score":-0.18423725487822193,"num_words":59,"start":916.10004,"end":943.28},{"sentences":[{"text":"So at least with having the the 34,000 of TBD within Australian Super there in the event of you being incapacitated, we can also claim permanent incapacity against your super, both hub 24 and Australian Super.","start":943.28,"end":956.94495,"sentiment":"neutral","sentiment_score":-0.09780960064381361},{"text":"So that would give you essentially, if I look at everything in total, it'll give you estimated about what we're sitting at, 196,000.","start":956.94495,"end":967.81,"sentiment":"neutral","sentiment_score":-0.02014285895426798},{"text":"That's between your two super funds and that TPD within Australian super to kind of be out of claim incapacity against.","start":967.95,"end":974.99,"sentiment":"neutral","sentiment_score":-0.09136260691143218},{"text":"And I know having a look, you're also receiving still your invalidity pension from the military super as well.","start":974.99,"end":981.515,"sentiment":"neutral","sentiment_score":-0.05070396434319647},{"text":"You're still receiving that on a regular basis?","start":981.515,"end":983.615,"sentiment":"neutral","sentiment_score":-0.014196535281371325}],"sentiment":"neutral","sentiment_score":-0.06523358625268441,"num_words":107,"start":943.28,"end":983.615},{"sentences":[{"text":"It absolutely is.","start":988.235,"end":989.35504,"sentiment":"positive","sentiment_score":0.3993394672870636},{"text":"Yeah.","start":989.35504,"end":989.675,"sentiment":"neutral","sentiment_score":0.1457608938217163},{"text":"Definitely.","start":989.675,"end":990.175,"sentiment":"neutral","sentiment_score":0.20156261324882507},{"text":"So it stays as a lifetime pension amount.","start":990.395,"end":993.49,"sentiment":"neutral","sentiment_score":0.09981382638216019},{"text":"It's indexed along with CPDI and their internal indexation, which they kinda decide every year what they're gonna index it by.","start":993.49,"end":1000.31,"sentiment":"neutral","sentiment_score":0.04375524792288031}],"sentiment":"neutral","sentiment_score":0.09596213901086766,"num_words":34,"start":988.235,"end":1000.31},{"sentences":[{"text":"It is a lifetime pension.","start":1000.52997,"end":1002.14996,"sentiment":"neutral","sentiment_score":0.04234754890203476},{"text":"The only sort of difference is they may they have what's called the different invalidity.","start":1002.69,"end":1008.36505,"sentiment":"neutral","sentiment_score":-0.03990748276313146},{"text":"Like, they have, like, a section, so they have a, b, c.","start":1008.585,"end":1011.405,"sentiment":"neutral","sentiment_score":-0.012628649904703101},{"text":"They kind of every so often might come back and reevaluate you, but your invalidity a, which essentially covers you gives you the most coverage at the moment So long as they don't decrease that that eligibility, that should stay exactly as it is, and it is a lifetime pension amount, which is great.","start":1011.78503,"end":1028.51,"sentiment":"neutral","sentiment_score":0.10096346285125171},{"text":"Fortnightly pension amount received after tax is about $1,333.19 there.","start":1028.97,"end":1035.525,"sentiment":"neutral","sentiment_score":0.10889049246907234}],"sentiment":"neutral","sentiment_score":0.06252618357151125,"num_words":96,"start":1000.52997,"end":1035.525},{"sentences":[{"text":"So, realistically, you are still getting some money, and that on top of that, the TBD within Australian Super, if we had to claim that plus, obviously, your super between Australian Super and Hub 24, that obviously gives you a little bit extra extra 196,000 at the moment.","start":1036.485,"end":1052.48,"sentiment":"neutral","sentiment_score":0.16119890830790004},{"text":"As your super balance increases, could provide a much greater level of benefit there, and then we can just keep that Cal TPD with the ADL definition as a bit of a top up cover as a backup.","start":1053.1,"end":1063.84,"sentiment":"neutral","sentiment_score":0.24177735828255353},{"text":"So in the event of you having to claim, we try to claim everything else first.","start":1064.205,"end":1068.225,"sentiment":"neutral","sentiment_score":0.0264792637899518},{"text":"And then once, you know, things progress, then we try to claim on that ADL definition later and down the track for you.","start":1068.2849,"end":1074.205,"sentiment":"neutral","sentiment_score":0.04387045813643414},{"text":"Does that make sense?","start":1074.205,"end":1075.005,"sentiment":"neutral","sentiment_score":0.03494942281395197}],"sentiment":"neutral","sentiment_score":0.14339204389573068,"num_words":129,"start":1036.485,"end":1075.005},{"sentences":[{"text":"And do you have any questions?","start":1075.005,"end":1076.465,"sentiment":"neutral","sentiment_score":0.007739994442090392},{"text":"Yep.","start":1077.12,"end":1077.62,"sentiment":"neutral","sentiment_score":0.22884753346443176},{"text":"Excellent.","start":1077.84,"end":1078.34,"sentiment":"positive","sentiment_score":0.6349390745162964},{"text":"I wanted to make sure I did a really good review of everything because I know we haven't spoken before.","start":1078.56,"end":1083.04,"sentiment":"positive","sentiment_score":0.3850931882858276},{"text":"So I did go back and have a really good review of the insurance as how it works.","start":1083.04,"end":1087.22,"sentiment":"positive","sentiment_score":0.3348342544502682}],"sentiment":"neutral","sentiment_score":0.31824145479249244,"num_words":46,"start":1075.005,"end":1087.22},{"sentences":[{"text":"I do wanna update the advice and make some changes to your super portfolio, clean things up for you a little bit in your portfolio.","start":1087.28,"end":1093.955,"sentiment":"neutral","sentiment_score":0.22321223020553588},{"text":"I'll also have a look at the investments within your Australian super as well, make sure everything is kind of in that high growth portfolio between the two.","start":1094.095,"end":1101.075,"sentiment":"neutral","sentiment_score":0.13171080127358437},{"text":"And I'll update the recommendations, and then I'll just also clean up your insurances a little bit too.","start":1101.535,"end":1106.415,"sentiment":"neutral","sentiment_score":0.1215781540506416},{"text":"Just rerecommend the retention of Australian supers, making sure that you have the definitions noted correctly, the advantages, disadvantages, the risks, how that works, make it all outline and clean everything up for you.","start":1106.415,"end":1117.33,"sentiment":"neutral","sentiment_score":0.1535752422231085},{"text":"It's a bit of a a new established sort of, you know, base statement of advice, tracking it where we're heading for moving over the next ten years, and then we can kind of keep tracking it forward and updating it as we need to moving forward.","start":1117.33,"end":1130.805,"sentiment":"neutral","sentiment_score":0.15430635118738134}],"sentiment":"neutral","sentiment_score":0.15743797174409815,"num_words":152,"start":1087.28,"end":1130.805},{"sentences":[{"text":"Does that sound okay?","start":1130.865,"end":1131.745,"sentiment":"neutral","sentiment_score":0.13850033655762672},{"text":"Do you have any questions?","start":1131.745,"end":1132.965,"sentiment":"neutral","sentiment_score":0.03946922961622477},{"text":"Yeah?","start":1133.105,"end":1133.605,"sentiment":"neutral","sentiment_score":0.020739613100886345},{"text":"Thank you.","start":1136.1399,"end":1136.86,"sentiment":"positive","sentiment_score":0.36853836476802826},{"text":"All good.","start":1136.86,"end":1137.5199,"sentiment":"neutral","sentiment_score":0.31708623468875885}],"sentiment":"neutral","sentiment_score":0.15309545045186365,"num_words":14,"start":1130.865,"end":1137.5199},{"sentences":[{"text":"We obviously, retaining military super is the best thing for you now.","start":1138.0599,"end":1141.6599,"sentiment":"neutral","sentiment_score":0.20737677874664465},{"text":"I do have to as part of the advice, just note that we will retain military super.","start":1141.6599,"end":1145.74,"sentiment":"neutral","sentiment_score":0.06187614886199727},{"text":"We can't and don't ever wanna make any changes.","start":1145.74,"end":1148.08,"sentiment":"neutral","sentiment_score":-0.0006316671820564401},{"text":"I actually love those super funds.","start":1148.415,"end":1149.935,"sentiment":"positive","sentiment_score":0.5373456428448359},{"text":"I think they're fantastic.","start":1149.935,"end":1151.0751,"sentiment":"positive","sentiment_score":0.6466661989688873}],"sentiment":"neutral","sentiment_score":0.19469728174832804,"num_words":48,"start":1138.0599,"end":1151.0751},{"sentences":[{"text":"They are you don't get defined benefits or anything like that anymore, and military super is one of the best ones out there.","start":1152.5751,"end":1158.9751,"sentiment":"neutral","sentiment_score":0.3108119060811789},{"text":"They really honestly look after you, which is great.","start":1158.9751,"end":1161.4751,"sentiment":"positive","sentiment_score":0.502037482129203},{"text":"That will be that will be a factor to keep maintaining there for you.","start":1162.12,"end":1166.14,"sentiment":"positive","sentiment_score":0.3873289206198284},{"text":"The other thing I just wanted to look at was income protection as well.","start":1167.48,"end":1170.84,"sentiment":"neutral","sentiment_score":0.07970828855676311},{"text":"So you do have within Australian Super the income protection benefit.","start":1170.84,"end":1174.38,"sentiment":"neutral","sentiment_score":0.05563383515585552}],"sentiment":"neutral","sentiment_score":0.26503527174953007,"num_words":71,"start":1152.5751,"end":1174.38},{"sentences":[{"text":"But whilst you're not physically working or unemployed, you can't kinda claim one at the moment.","start":1175.135,"end":1179.375,"sentiment":"neutral","sentiment_score":-0.049631788744591177},{"text":"But are you actively looking for work, or what's your plan moving forward?","start":1179.375,"end":1183.3949,"sentiment":"neutral","sentiment_score":0.028691847522098284},{"text":"Yep.","start":1183.695,"end":1184.195,"sentiment":"neutral","sentiment_score":0.16356413066387177},{"text":"Yep.","start":1185.215,"end":1185.615,"sentiment":"neutral","sentiment_score":0.12332475185394288},{"text":"Yep.","start":1185.615,"end":1185.9349,"sentiment":"neutral","sentiment_score":0.1742919683456421}],"sentiment":"neutral","sentiment_score":0.0012520702730398625,"num_words":32,"start":1175.135,"end":1185.9349},{"sentences":[{"text":"That's okay.","start":1185.9349,"end":1186.6549,"sentiment":"positive","sentiment_score":0.3835928589105606},{"text":"Perfect.","start":1186.6549,"end":1187.0549,"sentiment":"positive","sentiment_score":0.5588008761405945},{"text":"So at the moment, you've got the income protection based benefit, monthly benefit of $3,100 in the event of not being able to go to work in the short term when you're getting back into the employment side of things.","start":1187.0549,"end":1199.45,"sentiment":"neutral","sentiment_score":0.09394228085875511},{"text":"That benefit can be claimed if you're injured or ill on a short term basis.","start":1199.9099,"end":1204.49,"sentiment":"neutral","sentiment_score":0.05351462389032046},{"text":"But with that, we can kind of come back when you've got a job, when you've got your income, and look at whether that's appropriate for you or not.","start":1205.5099,"end":1213.025,"sentiment":"neutral","sentiment_score":0.05159663537452961}],"sentiment":"neutral","sentiment_score":0.084858616235955,"num_words":87,"start":1185.9349,"end":1213.025},{"sentences":[{"text":"We could also look depending on what you do.","start":1213.485,"end":1215.805,"sentiment":"neutral","sentiment_score":0.03089276680515872},{"text":"Do you know with looking for work, are you kinda looking to go into any specific area?","start":1215.805,"end":1221.57,"sentiment":"neutral","sentiment_score":0.007611763608806273},{"text":"Is it what you were doing previously with a truck driving, or are you looking to sort of change it up and start something new?","start":1221.57,"end":1227.27,"sentiment":"neutral","sentiment_score":-0.028769253641366958},{"text":"Yep.","start":1236.225,"end":1236.725,"sentiment":"neutral","sentiment_score":-0.14516308903694153},{"text":"Okay.","start":1237.985,"end":1238.485,"sentiment":"neutral","sentiment_score":-0.03499715402722359}],"sentiment":"neutral","sentiment_score":-0.009282201915135924,"num_words":53,"start":1213.485,"end":1238.485},{"sentences":[{"text":"Okay.","start":1242.065,"end":1242.545,"sentiment":"neutral","sentiment_score":0.08954544365406036},{"text":"Perfect.","start":1242.545,"end":1243.025,"sentiment":"neutral","sentiment_score":0.16285958886146543},{"text":"Well, when that happens, let me know.","start":1243.025,"end":1244.885,"sentiment":"neutral","sentiment_score":0.05585196374782494},{"text":"We might even be able to reassess and look at that policy and see if we can get you a better definition than the ADL definition.","start":1245.0701,"end":1252.77,"sentiment":"neutral","sentiment_score":0.0402455349954275},{"text":"So I'll retain everything as it is for now as a base statement of advice, the sort of starting point for you, clean everything up that we have here.","start":1252.91,"end":1260.255,"sentiment":"neutral","sentiment_score":0.13246667436484633}],"sentiment":"neutral","sentiment_score":0.08642634758143686,"num_words":64,"start":1242.065,"end":1260.255},{"sentences":[{"text":"And then when you do get a job, let me know.","start":1260.255,"end":1263.075,"sentiment":"neutral","sentiment_score":0.09445687586610968},{"text":"We can look at your income.","start":1263.2949,"end":1264.6549,"sentiment":"neutral","sentiment_score":0.12131493041912715},{"text":"We can also look at, you know, moving forward, whether we can update that health policy for you and get you some better definitions of insurances and just to make sure that if in the event you are permanently disabled or unable to go to work due to, you know, permanent capacity that you can actually claim.","start":1264.6549,"end":1280.75,"sentiment":"neutral","sentiment_score":0.02916602156402772},{"text":"I think one of the worst things is having cover that you can't claim on.","start":1280.75,"end":1284.77,"sentiment":"negative","sentiment_score":-0.36943572759628296},{"text":"You don't wanna be paying all those premiums if you are unable to ever claim on them.","start":1284.985,"end":1290.205,"sentiment":"neutral","sentiment_score":-0.31026941537857056}],"sentiment":"neutral","sentiment_score":-0.06968620310555089,"num_words":106,"start":1260.255,"end":1290.205},{"sentences":[{"text":"So we'll try we'll see what we can do about getting those definitions updated for you.","start":1290.985,"end":1295.1449,"sentiment":"neutral","sentiment_score":-0.06540073081851006},{"text":"Okay.","start":1295.1449,"end":1295.6449,"sentiment":"neutral","sentiment_score":0.025818871334195137},{"text":"Excellent.","start":1297.64,"end":1298.14,"sentiment":"positive","sentiment_score":0.5190691351890564},{"text":"All good.","start":1298.5199,"end":1299.26,"sentiment":"positive","sentiment_score":0.5462507903575897},{"text":"Perfect.","start":1300.2799,"end":1300.76,"sentiment":"positive","sentiment_score":0.6134205460548401}],"sentiment":"neutral","sentiment_score":0.057352306676052865,"num_words":21,"start":1290.985,"end":1300.76},{"sentences":[{"text":"Everything else is looking quite good.","start":1300.76,"end":1302.44,"sentiment":"positive","sentiment_score":0.4499735136826833},{"text":"Now because you're currently not working at the moment, the advice document will essentially encompass no additional contributions employer wise.","start":1302.44,"end":1309.74,"sentiment":"neutral","sentiment_score":-0.00035025859251618384},{"text":"Are you at a point or do you have much in the way of savings that you could maybe be making additional, maybe nonconcessional contributions or any additional contributions so far?","start":1310.325,"end":1319.5449,"sentiment":"neutral","sentiment_score":0.00921553316255731},{"text":"You're Lovely.","start":1319.6849,"end":1337.575,"sentiment":"neutral","sentiment_score":0.055237345397472395},{"text":"Yeah.","start":1345.075,"end":1345.575,"sentiment":"neutral","sentiment_score":0.006853483617305756}],"sentiment":"neutral","sentiment_score":0.05159742687828839,"num_words":60,"start":1300.76,"end":1345.575},{"sentences":[{"text":"Mhmm.","start":1355.97,"end":1356.47,"sentiment":"neutral","sentiment_score":-0.02523806318640709},{"text":"Yeah.","start":1363.025,"end":1363.525,"sentiment":"neutral","sentiment_score":0.064052514731884},{"text":"Perfect.","start":1363.5851,"end":1364.0851,"sentiment":"neutral","sentiment_score":0.2162151336669922},{"text":"Yeah.","start":1372.4,"end":1372.7201,"sentiment":"neutral","sentiment_score":0.07142570614814758},{"text":"Absolutely.","start":1372.7201,"end":1373.2201,"sentiment":"neutral","sentiment_score":0.07883594185113907}],"sentiment":"neutral","sentiment_score":0.08105824664235114,"num_words":5,"start":1355.97,"end":1373.2201},{"sentences":[{"text":"I think one of the biggest things to that is that military pension because a lot of that is untaxed money you do pay or they essentially have tax that comes out of that, so it's reducing your net amount.","start":1373.68,"end":1383.62,"sentiment":"neutral","sentiment_score":0.019965718546882272},{"text":"So being able to make additional contributions into super a could, you know, provide you with a little bit of a tax benefit, but also build up your super a lot more for retirement aspect.","start":1384.0549,"end":1394.0549,"sentiment":"neutral","sentiment_score":0.15695267489978246},{"text":"So when that time comes, let me know.","start":1394.0549,"end":1395.84,"sentiment":"neutral","sentiment_score":0.019512936589308083},{"text":"We could always look at a certain amount that you're comfortable with, or we could always look at projecting out to what you wanna have and look at what you need to make in order to get that to meet that goal.","start":1396.08,"end":1405.2999,"sentiment":"neutral","sentiment_score":0.11272442979472024},{"text":"Okay.","start":1405.36,"end":1405.86,"sentiment":"neutral","sentiment_score":0.06979095935821533}],"sentiment":"neutral","sentiment_score":0.08930391164141752,"num_words":126,"start":1373.68,"end":1405.86},{"sentences":[{"text":"Yep.","start":1406.08,"end":1406.58,"sentiment":"neutral","sentiment_score":0.21282848715782168},{"text":"Fantastic.","start":1407.6799,"end":1408.1799,"sentiment":"positive","sentiment_score":0.7047767639160156},{"text":"And so your main primary residence, that's at Bathurst Street.","start":1408.4,"end":1410.96,"sentiment":"neutral","sentiment_score":0.16641119197010995},{"text":"Your investment property is Richmond Mews.","start":1410.96,"end":1413.815,"sentiment":"neutral","sentiment_score":0.10347601895531018},{"text":"Is that right?","start":1413.815,"end":1414.635,"sentiment":"neutral","sentiment_score":0.0997450773914655}],"sentiment":"neutral","sentiment_score":0.1667527865086283,"num_words":21,"start":1406.08,"end":1414.635},{"sentences":[{"text":"Yep.","start":1415.6549,"end":1415.975,"sentiment":"neutral","sentiment_score":0.11439929902553558},{"text":"Beautiful.","start":1415.975,"end":1416.455,"sentiment":"positive","sentiment_score":0.4150936007499695},{"text":"How much are you selling it for?","start":1416.455,"end":1418.075,"sentiment":"neutral","sentiment_score":0.11649750918149948},{"text":"Oh, fantastic.","start":1422.5349,"end":1423.4349,"sentiment":"positive","sentiment_score":0.4354398548603058},{"text":"And you still have a mortgage on that property as well?","start":1425.05,"end":1427.45,"sentiment":"neutral","sentiment_score":0.0625874095342376}],"sentiment":"neutral","sentiment_score":0.13201439448378302,"num_words":22,"start":1415.6549,"end":1427.45},{"sentences":[{"text":"You did owe about 200 and 16 at the time.","start":1427.45,"end":1430.11,"sentiment":"neutral","sentiment_score":-0.004776641353964805},{"text":"Okay.","start":1435.13,"end":1435.61,"sentiment":"neutral","sentiment_score":0.012833116576075554},{"text":"$1.90 after redraw.","start":1435.61,"end":1437.15,"sentiment":"neutral","sentiment_score":0.04415456888576349},{"text":"Beautiful.","start":1437.21,"end":1437.71,"sentiment":"positive","sentiment_score":0.48063287138938904},{"text":"And with the main primary residence there, we had you rough valuation last year was about 410,000.","start":1439.235,"end":1445.395,"sentiment":"neutral","sentiment_score":0.0645371684256722}],"sentiment":"neutral","sentiment_score":0.05235297325998545,"num_words":32,"start":1427.45,"end":1445.395},{"sentences":[{"text":"What's the evaluation would you put on the property now, do you think?","start":1445.395,"end":1448.375,"sentiment":"neutral","sentiment_score":0.03758885697103464},{"text":"Yep.","start":1455.25,"end":1455.3301,"sentiment":"neutral","sentiment_score":0.06316542625427246},{"text":"That's absolutely fine.","start":1455.3301,"end":1456.6901,"sentiment":"neutral","sentiment_score":0.22141714890797934},{"text":"Not a problem.","start":1456.6901,"end":1457.41,"sentiment":"neutral","sentiment_score":0.15615653494993845},{"text":"And a mortgage on that property as well, we had about three hun sorry, 434,000.","start":1457.41,"end":1462.7101,"sentiment":"neutral","sentiment_score":0.01302904129649202}],"sentiment":"neutral","sentiment_score":0.05371363536853876,"num_words":35,"start":1445.395,"end":1462.7101},{"sentences":[{"text":"Has that decreased a little bit since last year?","start":1462.77,"end":1465.27,"sentiment":"neutral","sentiment_score":-0.07037825592690045},{"text":"Oh, fantastic.","start":1467.905,"end":1468.645,"sentiment":"neutral","sentiment_score":0.28796107321977615},{"text":"Those interest rate hikes haven't helped us in any way, shape, or form, have they?","start":1469.505,"end":1472.9651,"sentiment":"neutral","sentiment_score":-0.12264008497198423},{"text":"Yep.","start":1477.425,"end":1477.925,"sentiment":"neutral","sentiment_score":-0.07550407946109772},{"text":"Yeah.","start":1481.53,"end":1482.03,"sentiment":"neutral","sentiment_score":-0.1204664334654808}],"sentiment":"neutral","sentiment_score":-0.07475192658603191,"num_words":28,"start":1462.77,"end":1482.03},{"sentences":[{"text":"Absolutely.","start":1482.89,"end":1483.39,"sentiment":"neutral","sentiment_score":-0.08550071716308594},{"text":"It's a lot.","start":1486.97,"end":1487.87,"sentiment":"neutral","sentiment_score":-0.311954528093338},{"text":"Yeah.","start":1495.7051,"end":1496.2051,"sentiment":"neutral","sentiment_score":0.009768415242433548},{"text":"Yeah.","start":1499.465,"end":1499.965,"sentiment":"neutral","sentiment_score":-0.05148518458008766},{"text":"No.","start":1500.105,"end":1500.605,"sentiment":"neutral","sentiment_score":-0.22734935581684113}],"sentiment":"neutral","sentiment_score":-0.18434720379965647,"num_words":7,"start":1482.89,"end":1500.605},{"sentences":[{"text":"Yeah.","start":1511.48,"end":1511.98,"sentiment":"neutral","sentiment_score":-0.16352832317352295},{"text":"No.","start":1514.6951,"end":1515.175,"sentiment":"neutral","sentiment_score":-0.18843254446983335},{"text":"There's more money you're pumping out, isn't it?","start":1515.175,"end":1517.5951,"sentiment":"neutral","sentiment_score":-0.1163048546295613},{"text":"Yeah.","start":1523.895,"end":1524.375,"sentiment":"neutral","sentiment_score":0.21390312910079956},{"text":"Absolutely.","start":1524.375,"end":1524.875,"sentiment":"neutral","sentiment_score":0.3219982385635376}],"sentiment":"neutral","sentiment_score":-0.06220819475129247,"num_words":12,"start":1511.48,"end":1524.875},{"sentences":[{"text":"Not a problem.","start":1525.7351,"end":1526.635,"sentiment":"positive","sentiment_score":0.36989452441533405},{"text":"And when you think about retirement goals, are you sort of hoping to be able to access super and retire at age 60 or beforehand, or what's kind of your hope for retirement?","start":1526.73,"end":1535.07,"sentiment":"neutral","sentiment_score":0.11483538523316383},{"text":"Yep.","start":1537.61,"end":1538.11,"sentiment":"neutral","sentiment_score":0.09221477806568146},{"text":"Well, I can give you some good news because you actually don't have to work that long if you don't want to.","start":1547.465,"end":1551.76,"sentiment":"neutral","sentiment_score":0.3245289142836224},{"text":"Under the current legislation, you can fully retire and access your super at the age of 60.","start":1551.76,"end":1556.1,"sentiment":"neutral","sentiment_score":0.23889351855306065}],"sentiment":"neutral","sentiment_score":0.21305647360062913,"num_words":76,"start":1525.7351,"end":1556.1},{"sentences":[{"text":"So you can choose to retire at 60 onwards and access your super a 100% tax free.","start":1556.48,"end":1562.08,"sentiment":"neutral","sentiment_score":0.33031927136813893},{"text":"That's your Australian super and hub 24.","start":1562.08,"end":1564.725,"sentiment":"neutral","sentiment_score":0.1410082568015371},{"text":"With regard to military super, there are with the untaxed element, there's still taxation there, but once you kinda hit 60, the taxation changes slightly.","start":1565.205,"end":1573.285,"sentiment":"neutral","sentiment_score":0.0929299083352089},{"text":"So and that military pension gives you a lifetime pension as well, which is fantastic.","start":1573.285,"end":1577.705,"sentiment":"positive","sentiment_score":0.47901602983474734},{"text":"So we can essentially, at that point, be looking at what you get from the military pension, offset that from the other super funds.","start":1578.005,"end":1584.28,"sentiment":"neutral","sentiment_score":0.2864639994998773}],"sentiment":"neutral","sentiment_score":0.26120579039508646,"num_words":88,"start":1556.48,"end":1584.28},{"sentences":[{"text":"By that time, you shouldn't need those insurances anymore, so we should be able to cancel them, consolidate everything, have everything in one place, and then just drill down what you need from, say, hub twenty four or wherever your super is located to offset the military pension and look at, obviously, the long term effect and make it last as long as possible, which would be fantastic for you.","start":1584.42,"end":1603.8251,"sentiment":"neutral","sentiment_score":0.2685449108481407},{"text":"If you are wanting to look at retiring before the age of 50, Military Super continues to pay out a pension, but we just have to look at a way to be able to supplement that with investments outside of super.","start":1604.3099,"end":1614.8099,"sentiment":"neutral","sentiment_score":0.11721669301027204},{"text":"I know you're a bit a bit over the property aspect, but there are other ways to to build wealth outside of super investments and things that can have tax advantages for you down the track as well.","start":1614.87,"end":1624.505,"sentiment":"neutral","sentiment_score":0.17800718663554443},{"text":"So I do a lot of that kind of advice to support you sort of after.","start":1624.505,"end":1628.6849,"sentiment":"neutral","sentiment_score":0.2987016746774316},{"text":"Come and have that chat with me.","start":1628.825,"end":1630.0499,"sentiment":"positive","sentiment_score":0.44397533791405813}],"sentiment":"neutral","sentiment_score":0.22241485712313375,"num_words":172,"start":1584.42,"end":1630.0499},{"sentences":[{"text":"Happy to go through what your goals are, what you're looking for, project out, and work out a plan to help you meet that goal.","start":1630.0499,"end":1636.0499,"sentiment":"positive","sentiment_score":0.6615843081474304},{"text":"Okay.","start":1636.0499,"end":1636.5499,"sentiment":"neutral","sentiment_score":0.18562209606170657},{"text":"Easy.","start":1638.2899,"end":1638.7899,"sentiment":"positive","sentiment_score":0.4523673057556152},{"text":"Easy.","start":1639.09,"end":1639.59,"sentiment":"positive","sentiment_score":0.4593643844127655},{"text":"I'll work on 60 for the moment for your super, and then we'll just keep coming back and reviewing that for you.","start":1639.6499,"end":1645.35,"sentiment":"neutral","sentiment_score":0.29131051762537524}],"sentiment":"positive","sentiment_score":0.48091585755348204,"num_words":50,"start":1630.0499,"end":1645.35},{"sentences":[{"text":"The other thing I've got here is your Outback, your motor vehicle, rough valuation last year was 60,000.","start":1646.6549,"end":1653.135,"sentiment":"neutral","sentiment_score":0.03415257752769523},{"text":"What do you think you put on that now?","start":1653.135,"end":1654.995,"sentiment":"neutral","sentiment_score":0.008798072528507974},{"text":"50?","start":1661.15,"end":1661.65,"sentiment":"neutral","sentiment_score":-0.005197957623749971},{"text":"That's okay.","start":1661.7899,"end":1662.69,"sentiment":"neutral","sentiment_score":-0.006788467289879918},{"text":"Yeah.","start":1665.3099,"end":1665.7899,"sentiment":"neutral","sentiment_score":0.05135247111320496}],"sentiment":"neutral","sentiment_score":0.02343569765047681,"num_words":31,"start":1646.6549,"end":1665.7899},{"sentences":[{"text":"Absolutely.","start":1665.7899,"end":1666.2899,"sentiment":"neutral","sentiment_score":0.14209851622581482},{"text":"Absolutely.","start":1666.75,"end":1667.25,"sentiment":"neutral","sentiment_score":0.1308493614196777},{"text":"And then we had some extra cash in the bank.","start":1668.03,"end":1670.19,"sentiment":"neutral","sentiment_score":0.04473575949668884},{"text":"I believe this is a redraw, and that would be the redraw on the investment property.","start":1670.19,"end":1674.175,"sentiment":"neutral","sentiment_score":0.03014822769910097},{"text":"Is that right?","start":1674.175,"end":1674.7351,"sentiment":"neutral","sentiment_score":0.04187279939651489}],"sentiment":"neutral","sentiment_score":0.04284824238669488,"num_words":31,"start":1665.7899,"end":1674.7351},{"sentences":[{"text":"Is it the only redraw account that you have with funds in?","start":1674.7351,"end":1678.035,"sentiment":"neutral","sentiment_score":0.0004312812234275043},{"text":"Yep.","start":1680.7351,"end":1681.2351,"sentiment":"neutral","sentiment_score":0.008919421583414078},{"text":"Okay.","start":1682.3351,"end":1682.8351,"sentiment":"neutral","sentiment_score":0.015596408396959305},{"text":"Yep.","start":1687.71,"end":1688.21,"sentiment":"neutral","sentiment_score":0.06133261322975159},{"text":"Beautiful.","start":1688.4299,"end":1688.9299,"sentiment":"positive","sentiment_score":0.4422058165073395}],"sentiment":"neutral","sentiment_score":0.033326852149912156,"num_words":16,"start":1674.7351,"end":1688.9299},{"sentences":[{"text":"Oh, beautiful.","start":1692.2699,"end":1692.99,"sentiment":"positive","sentiment_score":0.38108788430690765},{"text":"I'll just update that to be a separate savings account.","start":1692.99,"end":1695.3899,"sentiment":"neutral","sentiment_score":0.07287200279533863},{"text":"I'm sorry that you said 40,000 in savings?","start":1695.3899,"end":1697.49,"sentiment":"neutral","sentiment_score":-0.1395665593445301},{"text":"45.","start":1699.345,"end":1699.985,"sentiment":"neutral","sentiment_score":-0.031335942447185516},{"text":"My apologies on that one.","start":1699.985,"end":1701.345,"sentiment":"neutral","sentiment_score":-0.2569624036550522}],"sentiment":"neutral","sentiment_score":-0.036222486111980215,"num_words":26,"start":1692.2699,"end":1701.345},{"sentences":[{"text":"Beautiful.","start":1701.345,"end":1701.845,"sentiment":"positive","sentiment_score":0.476091742515564},{"text":"Update those for you.","start":1702.145,"end":1703.525,"sentiment":"neutral","sentiment_score":0.06655719690024853},{"text":"Other assets I do like to consider are things like your contents.","start":1703.745,"end":1706.645,"sentiment":"neutral","sentiment_score":0.029178891408567626},{"text":"Do you have contents insurance on your property?","start":1706.785,"end":1709.045,"sentiment":"neutral","sentiment_score":0.015365793602541089},{"text":"Yep.","start":1710.16,"end":1710.66,"sentiment":"neutral","sentiment_score":0.05706444010138512}],"sentiment":"neutral","sentiment_score":0.0489406929208109,"num_words":26,"start":1701.345,"end":1710.66},{"sentences":[{"text":"What's the fantastic.","start":1710.8,"end":1713.86,"sentiment":"neutral","sentiment_score":0.22497108827034631},{"text":"And what's the the estimate you'd put on your content value wise?","start":1714.4,"end":1718.5,"sentiment":"neutral","sentiment_score":0.12284796436627705},{"text":"Yep.","start":1724.895,"end":1725.295,"sentiment":"neutral","sentiment_score":0.1454516053199768},{"text":"Beautiful.","start":1725.295,"end":1725.775,"sentiment":"positive","sentiment_score":0.4524457752704621},{"text":"150,000.","start":1725.775,"end":1727.0751,"sentiment":"neutral","sentiment_score":0.2808680534362793}],"sentiment":"neutral","sentiment_score":0.16821412617961565,"num_words":18,"start":1710.8,"end":1727.0751},{"sentences":[{"text":"Excellent.","start":1727.215,"end":1727.715,"sentiment":"positive","sentiment_score":0.4705277681350708},{"text":"And anything else?","start":1728.415,"end":1729.295,"sentiment":"neutral","sentiment_score":0.1799523333708445},{"text":"Any other shares, cryptocurrency, tools of trade, or valuables you'd note down?","start":1729.295,"end":1733.6951,"sentiment":"neutral","sentiment_score":-0.011428622606520852},{"text":"Nothing?","start":1733.6951,"end":1734.1951,"sentiment":"neutral","sentiment_score":-0.20292510092258453},{"text":"Yeah.","start":1740.8201,"end":1741.3201,"sentiment":"neutral","sentiment_score":0.09601716697216034}],"sentiment":"neutral","sentiment_score":0.04257407572327389,"num_words":18,"start":1727.215,"end":1741.3201},{"sentences":[{"text":"That's okay.","start":1741.38,"end":1742.3401,"sentiment":"neutral","sentiment_score":0.21930260956287384},{"text":"It's all good.","start":1742.3401,"end":1743.4,"sentiment":"positive","sentiment_score":0.4090476433436076},{"text":"Now the other thing to have a look at is your estate planning side of things.","start":1744.02,"end":1748.525,"sentiment":"neutral","sentiment_score":-0.042774629313498735},{"text":"Now I've got here that you are in a defective relationship.","start":1748.525,"end":1751.5651,"sentiment":"neutral","sentiment_score":-0.18319157104600559},{"text":"So Stephanie is your partner, and you guys have got two kids.","start":1751.5651,"end":1754.125,"sentiment":"neutral","sentiment_score":-0.04316454085831841}],"sentiment":"neutral","sentiment_score":-0.03526653844693845,"num_words":44,"start":1741.38,"end":1754.125},{"sentences":[{"text":"Is that right?","start":1754.125,"end":1754.945,"sentiment":"neutral","sentiment_score":0.004389484412968159},{"text":"Fantastic.","start":1756.525,"end":1757.025,"sentiment":"positive","sentiment_score":0.3603901267051697},{"text":"I do have it noted down here with your beneficiaries.","start":1757.5651,"end":1759.745,"sentiment":"neutral","sentiment_score":0.15439752638339996},{"text":"So we do have a beneficiary noted on your towel policy with Stephanie as the beneficiary to receive a 100% of the benefit in the event that something was to happen.","start":1760.125,"end":1768.38,"sentiment":"neutral","sentiment_score":0.07957800934391637},{"text":"Is that correct?","start":1768.52,"end":1769.3999,"sentiment":"neutral","sentiment_score":0.07082686573266983}],"sentiment":"neutral","sentiment_score":0.09576943188828106,"num_words":48,"start":1754.125,"end":1769.3999},{"sentences":[{"text":"Is that how you want that structured to everything?","start":1769.3999,"end":1771.58,"sentiment":"neutral","sentiment_score":0.029743615434401564},{"text":"Yes.","start":1772.52,"end":1773.02,"sentiment":"neutral","sentiment_score":-0.08953391015529633},{"text":"No.","start":1773.96,"end":1774.12,"sentiment":"neutral","sentiment_score":-0.12019707262516022},{"text":"That's okay.","start":1774.12,"end":1774.6799,"sentiment":"neutral","sentiment_score":-0.05672384053468704},{"text":"With military super, that is an automatic beneficiary, so they only really pay everything out to the spouse, and that all kinda happens automatically on passing.","start":1774.6799,"end":1783.0249,"sentiment":"neutral","sentiment_score":-0.008496741477686625}],"sentiment":"neutral","sentiment_score":-0.007087215470770995,"num_words":39,"start":1769.3999,"end":1783.0249},{"sentences":[{"text":"We certainly hope nothing happens there.","start":1783.0249,"end":1784.865,"sentiment":"neutral","sentiment_score":-0.017399545138080914},{"text":"We want you to enjoy your life and your funds, but that's something we don't need to update because it happens automatically within their sort of structure.","start":1784.865,"end":1792.96,"sentiment":"neutral","sentiment_score":0.07435989911081614},{"text":"But it does look like with the hub twenty four beneficiary, we had sent it out, but it has not yet been completed.","start":1793.34,"end":1798.56,"sentiment":"neutral","sentiment_score":-0.040696698686350945},{"text":"Have you received that in the post recently or via email, or have you got it there?","start":1799.26,"end":1803.42,"sentiment":"neutral","sentiment_score":-0.027833943638731453},{"text":"If not, let me know.","start":1803.42,"end":1804.72,"sentiment":"neutral","sentiment_score":-0.18030840456485747}],"sentiment":"neutral","sentiment_score":-0.005223373452631326,"num_words":78,"start":1783.0249,"end":1804.72},{"sentences":[{"text":"No.","start":1806.785,"end":1806.9451,"sentiment":"neutral","sentiment_score":-0.09115469455718994},{"text":"That's okay.","start":1806.9451,"end":1807.765,"sentiment":"positive","sentiment_score":0.4561142325401306},{"text":"Are you happy for us?","start":1807.985,"end":1808.9451,"sentiment":"positive","sentiment_score":0.508276104927063},{"text":"We can pre fill the beneficiary nomination out for you if you like.","start":1808.9451,"end":1812.725,"sentiment":"neutral","sentiment_score":0.20489709308514228},{"text":"That way we can send it to you, and you just gotta sign it and have it witnessed and sent back to us.","start":1812.785,"end":1817.8251,"sentiment":"neutral","sentiment_score":0.13864040876860204}],"sentiment":"neutral","sentiment_score":0.20942831606688825,"num_words":44,"start":1806.785,"end":1817.8251},{"sentences":[{"text":"Would that be easier?","start":1817.8251,"end":1818.885,"sentiment":"neutral","sentiment_score":0.08357825502753258},{"text":"Yep.","start":1818.9451,"end":1819.4451,"sentiment":"neutral","sentiment_score":0.15781110525131226},{"text":"Fantastic.","start":1819.95,"end":1820.45,"sentiment":"positive","sentiment_score":0.7467930316925049},{"text":"Excellent.","start":1823.87,"end":1824.35,"sentiment":"positive","sentiment_score":0.5441720485687256},{"text":"So I've got it down here.","start":1824.35,"end":1825.3099,"sentiment":"neutral","sentiment_score":0.20649704585472742}],"sentiment":"neutral","sentiment_score":0.23246703698084906,"num_words":13,"start":1817.8251,"end":1825.3099},{"sentences":[{"text":"So Stephanie is your beneficiary.","start":1825.3099,"end":1826.85,"sentiment":"neutral","sentiment_score":0.048920200765132905},{"text":"Now just double checking.","start":1826.99,"end":1828.13,"sentiment":"neutral","sentiment_score":0.03262915974482894},{"text":"I've got some hard questions for you.","start":1828.19,"end":1829.7899,"sentiment":"neutral","sentiment_score":-0.012039074142064368},{"text":"What's her date of birth?","start":1829.7899,"end":1831.01,"sentiment":"neutral","sentiment_score":-0.0051826294511556625},{"text":"Oh, beautiful.","start":1837.025,"end":1837.845,"sentiment":"positive","sentiment_score":0.5258920192718506}],"sentiment":"neutral","sentiment_score":0.05724847891732403,"num_words":23,"start":1825.3099,"end":1837.845},{"sentences":[{"text":"Love that one.","start":1838.145,"end":1839.125,"sentiment":"positive","sentiment_score":0.6730116804440817},{"text":"And I'm just taking your spouse.","start":1839.345,"end":1841.025,"sentiment":"neutral","sentiment_score":0.32049404084682465},{"text":"You're happy for a 100% of the benefit to be nominated to Stephanie.","start":1841.025,"end":1844.4651,"sentiment":"positive","sentiment_score":0.4136454130594547},{"text":"Yep.","start":1844.4651,"end":1844.9651,"sentiment":"neutral","sentiment_score":0.12444233149290083},{"text":"Beautiful.","start":1845.025,"end":1845.525,"sentiment":"positive","sentiment_score":0.3897770345211029}],"sentiment":"positive","sentiment_score":0.4097337092583378,"num_words":24,"start":1838.145,"end":1845.525},{"sentences":[{"text":"Address is exactly the same as I've got for yourself.","start":1846.38,"end":1848.54,"sentiment":"neutral","sentiment_score":0.12127821743488312},{"text":"There's no Difference In the address.","start":1848.54,"end":1850.56,"sentiment":"neutral","sentiment_score":-0.004010330031936367},{"text":"Fantastic.","start":1851.74,"end":1852.24,"sentiment":"positive","sentiment_score":0.4913579225540161},{"text":"Excellent.","start":1852.7001,"end":1853.2001,"sentiment":"positive","sentiment_score":0.4956033527851105},{"text":"We'll get that prefilled and sent out to you.","start":1854.06,"end":1856.22,"sentiment":"positive","sentiment_score":0.4086668723159366}],"sentiment":"neutral","sentiment_score":0.21680308593850997,"num_words":27,"start":1846.38,"end":1856.22},{"sentences":[{"text":"Is email or post better or easier for yourself, or did you want both?","start":1856.22,"end":1860.0,"sentiment":"neutral","sentiment_score":0.08022747095674276},{"text":"Email?","start":1860.225,"end":1860.725,"sentiment":"neutral","sentiment_score":0.08078581094741821},{"text":"Yep.","start":1866.225,"end":1866.5449,"sentiment":"neutral","sentiment_score":0.18221008777618408},{"text":"Beautiful.","start":1866.5449,"end":1867.0449,"sentiment":"positive","sentiment_score":0.4315570592880249},{"text":"It will easy.","start":1867.105,"end":1869.345,"sentiment":"positive","sentiment_score":0.3485530912876129}],"sentiment":"neutral","sentiment_score":0.14316984126344323,"num_words":20,"start":1856.22,"end":1869.345},{"sentences":[{"text":"It will need to be wet signed.","start":1869.345,"end":1870.705,"sentiment":"neutral","sentiment_score":0.04530843613403184},{"text":"They do have to be printed and signed because of the way the estate planning works.","start":1870.705,"end":1874.3049,"sentiment":"neutral","sentiment_score":0.033673915546387434},{"text":"And with the Systaz, Just oh, is that beautiful.","start":1874.3049,"end":1881.58,"sentiment":"neutral","sentiment_score":0.08365445418490304},{"text":"And this needs to be witnessed as well.","start":1881.6399,"end":1883.1599,"sentiment":"neutral","sentiment_score":0.08077151048928499},{"text":"Just making sure Stephanie isn't one of the witnesses.","start":1883.1599,"end":1885.4199,"sentiment":"neutral","sentiment_score":0.003995230628384484}],"sentiment":"neutral","sentiment_score":0.04675430507988346,"num_words":49,"start":1869.345,"end":1885.4199},{"sentences":[{"text":"So there's two people over the 18.","start":1885.48,"end":1887.08,"sentiment":"neutral","sentiment_score":-0.00945661629417113},{"text":"It can be anyone except for her.","start":1887.08,"end":1889.055,"sentiment":"neutral","sentiment_score":-0.03271003120711872},{"text":"Once that gets done, we'll we'll receive it back.","start":1889.535,"end":1892.175,"sentiment":"neutral","sentiment_score":0.0425510344405969},{"text":"We'll make sure it's applied there for you and confirm if there's any problems in the meantime just so we have everything under control and all those checks and balances completed for you.","start":1892.175,"end":1901.8551,"sentiment":"neutral","sentiment_score":0.24437367487134357},{"text":"Okay?","start":1901.8551,"end":1902.3551,"sentiment":"neutral","sentiment_score":0.06696964800357819}],"sentiment":"neutral","sentiment_score":0.14419462624937296,"num_words":57,"start":1885.48,"end":1902.3551},{"sentences":[{"text":"Excellent.","start":1903.65,"end":1904.15,"sentiment":"positive","sentiment_score":0.7080166339874268},{"text":"The only other thing I've got here is that when we sort of caught up last year, you hadn't done a will or power of attorney.","start":1904.53,"end":1909.25,"sentiment":"neutral","sentiment_score":0.017994444387463424},{"text":"Is that something that you guys have talked about in the past?","start":1909.25,"end":1911.9701,"sentiment":"neutral","sentiment_score":-0.015344264218583703},{"text":"Or No.","start":1911.9701,"end":1915.43,"sentiment":"neutral","sentiment_score":-0.0668843723833561},{"text":"That's okay.","start":1915.49,"end":1916.13,"sentiment":"neutral","sentiment_score":0.08278625085949898}],"sentiment":"neutral","sentiment_score":0.023803366846296678,"num_words":43,"start":1903.65,"end":1916.13},{"sentences":[{"text":"It is definitely something to consider.","start":1916.13,"end":1917.8301,"sentiment":"neutral","sentiment_score":0.18232220162947974},{"text":"Have a bit of a chat, work out what you want to do.","start":1918.355,"end":1920.355,"sentiment":"neutral","sentiment_score":0.17163245265300459},{"text":"Obviously, your super beneficiaries do cover your super and your life insurance side of things.","start":1920.355,"end":1925.3351,"sentiment":"neutral","sentiment_score":0.09817869986097018},{"text":"However, it's everything outside of super that's also really important.","start":1925.475,"end":1928.675,"sentiment":"neutral","sentiment_score":0.04523380529135466},{"text":"So your house investments, your money, your cars, all that sorts of things.","start":1928.675,"end":1932.83,"sentiment":"neutral","sentiment_score":0.04772672458336903}],"sentiment":"neutral","sentiment_score":0.10299335201189183,"num_words":57,"start":1916.13,"end":1932.83},{"sentences":[{"text":"As an adviser, I have seen, unfortunately, in the past where someone's passed away, whilst most things are passed directly to your spouse, it still does have to go through a bit of a pro probate process.","start":1933.21,"end":1944.11,"sentiment":"neutral","sentiment_score":-0.13200672081596143},{"text":"And it does mean that people from your past can come forward and make a claim.","start":1944.415,"end":1947.775,"sentiment":"neutral","sentiment_score":-0.12481823237612844},{"text":"There's no guarantees they're gonna get anything, but they can make a claim, and that can cause a bit of a problem and make the process a little bit longer as well.","start":1947.775,"end":1954.995,"sentiment":"neutral","sentiment_score":-0.1741822233889252},{"text":"So if you guys do get a pen, you feel pretty good.","start":1955.375,"end":1960.99,"sentiment":"neutral","sentiment_score":0.014295407260457674},{"text":"Yeah.","start":1963.85,"end":1964.35,"sentiment":"neutral","sentiment_score":-0.039165787398815155}],"sentiment":"neutral","sentiment_score":-0.12574277996864855,"num_words":98,"start":1933.21,"end":1964.35},{"sentences":[{"text":"Yeah.","start":1967.61,"end":1968.11,"sentiment":"neutral","sentiment_score":0.035963281989097595},{"text":"Yeah.","start":1969.05,"end":1969.37,"sentiment":"neutral","sentiment_score":0.09399370849132538},{"text":"Absolutely.","start":1969.37,"end":1969.87,"sentiment":"neutral","sentiment_score":0.246119424700737},{"text":"You can get a simple will care from the post office.","start":1969.93,"end":1972.17,"sentiment":"neutral","sentiment_score":0.1560012406923554},{"text":"Last time I checked, they're about 30 odd dollars.","start":1972.17,"end":1974.825,"sentiment":"neutral","sentiment_score":0.07804059402810203}],"sentiment":"neutral","sentiment_score":0.12149806126304295,"num_words":23,"start":1967.61,"end":1974.825},{"sentences":[{"text":"Alternatively, all the states and territories do have local government offices like I hear in well, I'm in Queensland at the moment, but in New South Wales where I live, they do have, like, RMS, and they can put you in touch with doing a very simple will kit with a solicitor for as little as only, you know, 2 or $300.","start":1974.825,"end":1992.34,"sentiment":"neutral","sentiment_score":0.12768043469517462},{"text":"Alternatively, doing a more complex drill through our local solicitor can be a little bit more expensive, but the complexity means that you get a lot more say in what you want done with your estate planning.","start":1992.96,"end":2002.835,"sentiment":"neutral","sentiment_score":-0.031189016116833366},{"text":"But then if you are just wanting something very simple, you can just go to, like, the post office, get a will kit.","start":2003.295,"end":2008.495,"sentiment":"neutral","sentiment_score":0.15866735626174056},{"text":"As long as it's filled out correctly and as per the instructions, then they do work and they can be valid.","start":2008.495,"end":2014.62,"sentiment":"neutral","sentiment_score":0.22746181700910842},{"text":"Okay.","start":2014.8401,"end":2015.3401,"sentiment":"neutral","sentiment_score":0.07104772329330444}],"sentiment":"neutral","sentiment_score":0.10596728075890699,"num_words":144,"start":1974.825,"end":2015.3401},{"sentences":[{"text":"I see.","start":2016.52,"end":2017.18,"sentiment":"neutral","sentiment_score":0.22498979419469833},{"text":"Excellent.","start":2017.3201,"end":2017.8201,"sentiment":"positive","sentiment_score":0.6218129396438599},{"text":"The only other thing to sort of note is having a look here, obviously, with your TBD, you withheld, there is a left knee exclusion.","start":2018.68,"end":2026.4451,"sentiment":"neutral","sentiment_score":-0.029566010013222694},{"text":"We did try to have a look because that was due to your ACL and the knee replacement.","start":2026.4451,"end":2031.025,"sentiment":"neutral","sentiment_score":-0.10085922500325574},{"text":"It's not a reviewable exclusion, but I just have to make sure you are aware.","start":2031.885,"end":2036.285,"sentiment":"neutral","sentiment_score":-0.10910118867953618}],"sentiment":"neutral","sentiment_score":-0.05113674758276979,"num_words":61,"start":2016.52,"end":2036.285},{"sentences":[{"text":"Obviously, it's just in relation to your left knee.","start":2036.285,"end":2038.705,"sentiment":"neutral","sentiment_score":-0.08062453816334407},{"text":"And with the life policy life and TPD with how they also had a 50% loading there due to your BMI.","start":2039.76,"end":2047.38,"sentiment":"neutral","sentiment_score":0.023236745879763647},{"text":"Can I just double check?","start":2047.6001,"end":2048.72,"sentiment":"neutral","sentiment_score":0.03965877443552017},{"text":"Do you know what your height and weight is at the moment?","start":2048.72,"end":2050.8,"sentiment":"neutral","sentiment_score":0.009461532114073634},{"text":"Because I might be able to have that reviewed.","start":2050.8,"end":2052.82,"sentiment":"neutral","sentiment_score":0.07490161806344986}],"sentiment":"neutral","sentiment_score":0.01336245785932988,"num_words":56,"start":2036.285,"end":2052.82},{"sentences":[{"text":"Yep.","start":2061.965,"end":2062.465,"sentiment":"neutral","sentiment_score":0.015926703810691833},{"text":"Okay.","start":2063.5652,"end":2063.965,"sentiment":"neutral","sentiment_score":0.01061643473803997},{"text":"It is a little bit on the higher side, so I wouldn't wanna review it yet.","start":2063.965,"end":2067.9,"sentiment":"neutral","sentiment_score":-0.08948356099426746},{"text":"But if anything changes and the BMI comes down a little bit, let me know because I'll absolutely review it for you.","start":2068.14,"end":2073.68,"sentiment":"neutral","sentiment_score":0.07312163134867494},{"text":"But it is just, you know, making sure we can make those as cheap as possible.","start":2073.98,"end":2077.74,"sentiment":"neutral","sentiment_score":0.011805802583694458}],"sentiment":"neutral","sentiment_score":0.007006694529471653,"num_words":56,"start":2061.965,"end":2077.74},{"sentences":[{"text":"But, look, I'll touch base with you down the track and talk about, you know, what happens when you get a job, what your occupation is.","start":2077.74,"end":2083.355,"sentiment":"neutral","sentiment_score":-0.008164016243356925},{"text":"We can reassess the insurances.","start":2083.355,"end":2084.895,"sentiment":"neutral","sentiment_score":-0.037934189289808275},{"text":"One of the biggest things with these insurances are they do get more expensive as you get older as the risk of you making a claim increases as well.","start":2085.675,"end":2093.37,"sentiment":"negative","sentiment_score":-0.3451561290642311},{"text":"And the more expensive these insurances get, the more it affects your super and and your retirement income because they are being paid out of your super.","start":2093.37,"end":2101.05,"sentiment":"neutral","sentiment_score":-0.15288225533785643},{"text":"So I do wanna review these regularly with you, just making sure we can reduce the covers.","start":2101.05,"end":2105.79,"sentiment":"neutral","sentiment_score":-0.0069547455538721634}],"sentiment":"neutral","sentiment_score":-0.14093764115554783,"num_words":104,"start":2077.74,"end":2105.79},{"sentences":[{"text":"Right now, we'll need to retain everything we have, and I'll make sure the advice reflects that for you.","start":2106.135,"end":2110.455,"sentiment":"neutral","sentiment_score":0.0806280082385791},{"text":"But we wanna review that down the track and just make sure we can keep altering them in line with your needs, making sure they're cost effective, providing you with the cover you you need in the event that of a claim, but also making sure it's not gonna eat away all your super as well.","start":2110.455,"end":2124.12,"sentiment":"neutral","sentiment_score":0.2045231999031135},{"text":"Okay.","start":2124.1802,"end":2124.6802,"sentiment":"neutral","sentiment_score":0.11944033205509186},{"text":"Easy.","start":2126.58,"end":2127.08,"sentiment":"neutral","sentiment_score":0.23108361661434176},{"text":"In that email there, you do have the ongoing service agreement for the next twelve months there.","start":2127.54,"end":2132.1,"sentiment":"neutral","sentiment_score":0.19360398720292485}],"sentiment":"neutral","sentiment_score":0.17688322427900546,"num_words":94,"start":2106.135,"end":2132.1},{"sentences":[{"text":"So being a client of ours and us providing advice and reviewing your circumstances, working towards your retirement goals, we do charge an ongoing service fee.","start":2132.1,"end":2139.595,"sentiment":"neutral","sentiment_score":0.23432509887676972},{"text":"It is 1.65% per annum.","start":2139.815,"end":2141.975,"sentiment":"neutral","sentiment_score":0.13728877156972885},{"text":"It is deducted out of your Hub twenty four super account on a monthly basis.","start":2141.975,"end":2146.235,"sentiment":"neutral","sentiment_score":0.1686769311626752},{"text":"We do have that form there attached when you've got a chance if you can sign and return it back.","start":2146.935,"end":2151.55,"sentiment":"neutral","sentiment_score":0.2484842650592327},{"text":"It just allows us to continue providing our services, updating advice, and looking after things there for you.","start":2151.55,"end":2156.8499,"sentiment":"positive","sentiment_score":0.33670613418022793}],"sentiment":"neutral","sentiment_score":0.24213626324420884,"num_words":84,"start":2132.1,"end":2156.8499},{"sentences":[{"text":"We do also have a tax file opt in form, so it's just really important to let you know we do hold your tax file number with just because we had to set up your super and your insurance policy, so that had to be provided at the time.","start":2157.31,"end":2168.5852,"sentiment":"neutral","sentiment_score":0.16705765240654655},{"text":"But we just wanna make sure we're updating all of the documents, letting you know that's why we hold the information, and that tax file opt in form lets you know under what circumstances, how it's all looked after and held.","start":2168.5852,"end":2178.58,"sentiment":"neutral","sentiment_score":0.19827218062993957},{"text":"We are very privacy conscious here.","start":2178.58,"end":2180.34,"sentiment":"neutral","sentiment_score":0.056375751892725624},{"text":"That's why we do security whenever you call us or we call you.","start":2180.34,"end":2183.56,"sentiment":"neutral","sentiment_score":0.06037257439815081},{"text":"Just making sure that we're protecting everything we hold on you.","start":2183.62,"end":2186.58,"sentiment":"neutral","sentiment_score":0.09507752751762216}],"sentiment":"neutral","sentiment_score":0.1540327929581205,"num_words":120,"start":2157.31,"end":2186.58},{"sentences":[{"text":"Everything is very personal information, so we don't want that getting to the wrong hands.","start":2186.58,"end":2190.595,"sentiment":"neutral","sentiment_score":-0.06617314981025023},{"text":"So we're very security conscious here with regards to that.","start":2190.595,"end":2193.2349,"sentiment":"neutral","sentiment_score":0.06156163290143013},{"text":"Okay?","start":2193.2349,"end":2193.7349,"sentiment":"neutral","sentiment_score":0.06713257730007172},{"text":"Excellent.","start":2195.4749,"end":2195.9749,"sentiment":"positive","sentiment_score":0.44796788692474365},{"text":"Look.","start":2196.595,"end":2196.835,"sentiment":"neutral","sentiment_score":0.24869804084300995}],"sentiment":"neutral","sentiment_score":0.013814913818870471,"num_words":28,"start":2186.58,"end":2196.835},{"sentences":[{"text":"I've touched on a lot, and I'm so sorry.","start":2196.835,"end":2198.835,"sentiment":"neutral","sentiment_score":-0.008569533419277933},{"text":"You're having a very relaxing day.","start":2198.835,"end":2200.77,"sentiment":"neutral","sentiment_score":0.27755901869386435},{"text":"Is there any questions that have come out of any of that?","start":2201.25,"end":2203.8901,"sentiment":"neutral","sentiment_score":0.04458442128573855},{"text":"Is there anything you think I've maybe missed or not touched on?","start":2203.8901,"end":2207.33,"sentiment":"neutral","sentiment_score":-0.15582424371192852},{"text":"Or easy.","start":2207.33,"end":2210.45,"sentiment":"neutral","sentiment_score":0.17786221206188202}],"sentiment":"neutral","sentiment_score":0.014855484546321194,"num_words":41,"start":2196.835,"end":2210.45},{"sentences":[{"text":"What I'll do now is I'll go back.","start":2210.45,"end":2212.31,"sentiment":"neutral","sentiment_score":0.1611182438209653},{"text":"I'll do some research around your portfolio, the super.","start":2212.37,"end":2214.93,"sentiment":"neutral","sentiment_score":0.192452535033226},{"text":"I'll look at your long term goals.","start":2214.93,"end":2216.415,"sentiment":"neutral","sentiment_score":0.14651550139699662},{"text":"It'll be factoring no contributions at the moment because you're unemployed.","start":2216.575,"end":2219.635,"sentiment":"neutral","sentiment_score":0.025207470425150612},{"text":"So just looking at, obviously, where we're tracking with the current circumstances we have, and I'm happy to update that down the track for you as well.","start":2219.695,"end":2227.075,"sentiment":"positive","sentiment_score":0.3741424975019914}],"sentiment":"neutral","sentiment_score":0.23267349811090576,"num_words":62,"start":2210.45,"end":2227.075},{"sentences":[{"text":"I'll look at your both super funds, so the Australian super and hub twenty four, making sure everything's working and looking at what portfolios have, you know, have shown greater past performance to help you keep track of that.","start":2227.455,"end":2238.23,"sentiment":"neutral","sentiment_score":0.2681115827499292},{"text":"You are in that high growth environment, so that does kinda see about 90% of your super invested in those growth assets.","start":2238.77,"end":2245.97,"sentiment":"neutral","sentiment_score":0.24605853855609894},{"text":"So things like Australian shares, international shares, listed properties, and commodities.","start":2245.97,"end":2250.7651,"sentiment":"neutral","sentiment_score":0.11413207446986978},{"text":"When you kinda figure on the risk scale of things, if you look at risk out of, say, one to five, five being the highest risk, one being no risk, or very, very low risk, You're sort of sitting in that fourth scenario there.","start":2251.625,"end":2263.94,"sentiment":"neutral","sentiment_score":0.06943918950855732},{"text":"The high growth environment does suit someone who's, you know, got at least eight years before accessing their super.","start":2264.0,"end":2269.78,"sentiment":"neutral","sentiment_score":0.1620962557039763}],"sentiment":"neutral","sentiment_score":0.17229811549186708,"num_words":135,"start":2227.455,"end":2269.78},{"sentences":[{"text":"They're happy to take on more risk now knowing that in the downtime, they're also gonna feel that.","start":2269.92,"end":2274.765,"sentiment":"neutral","sentiment_score":0.3308718701203664},{"text":"Do you feel that's fairly comfortable for where you're at?","start":2275.005,"end":2277.565,"sentiment":"neutral","sentiment_score":0.1807894989848137},{"text":"Did you wanna look at reviewing or reducing that risk level a bit, or you're happy to stick with that?","start":2277.565,"end":2282.625,"sentiment":"neutral","sentiment_score":-0.08152755135670305},{"text":"Yep.","start":2284.765,"end":2285.265,"sentiment":"neutral","sentiment_score":0.05518866702914238},{"text":"Yep.","start":2287.1,"end":2287.6,"sentiment":"neutral","sentiment_score":0.13536036014556885}],"sentiment":"neutral","sentiment_score":0.12647173304110765,"num_words":50,"start":2269.92,"end":2287.6},{"sentences":[{"text":"Yep.","start":2288.62,"end":2289.12,"sentiment":"neutral","sentiment_score":0.12479135394096376},{"text":"Absolutely.","start":2289.58,"end":2290.08,"sentiment":"positive","sentiment_score":0.3979125916957855},{"text":"Yeah.","start":2290.62,"end":2290.94,"sentiment":"positive","sentiment_score":0.41974326968193054},{"text":"Perfect.","start":2290.94,"end":2291.44,"sentiment":"positive","sentiment_score":0.6355476379394531},{"text":"Well, that does sort of fit your time horizon with where you're at at the moment.","start":2291.82,"end":2295.1,"sentiment":"positive","sentiment_score":0.33518700022250414}],"sentiment":"positive","sentiment_score":0.34704934284090994,"num_words":20,"start":2288.62,"end":2295.1},{"sentences":[{"text":"It's more just about making sure that there are gonna be downtimes, and I'm happy that you've come out with a positive return this year.","start":2295.1,"end":2301.6,"sentiment":"positive","sentiment_score":0.4377623963356018},{"text":"But this year, we did see a lot of volatility, unfortunately, with the role I have.","start":2301.915,"end":2305.7551,"sentiment":"neutral","sentiment_score":-0.14663268951699138},{"text":"I have had a lot of difficult conversations with him.","start":2305.7551,"end":2308.235,"sentiment":"neutral","sentiment_score":-0.17064928263425827},{"text":"I want to see really good returns, but this year's been completely out of our control, and the and the downtime have been quite consistent this year between March and April.","start":2308.235,"end":2318.39,"sentiment":"neutral","sentiment_score":-0.2476837680705132},{"text":"Admittedly, it was, you know, no more than a 3% drop, but that when you have a higher balance can feel quite drastic.","start":2318.5298,"end":2324.5498,"sentiment":"neutral","sentiment_score":-0.16138904250186423}],"sentiment":"neutral","sentiment_score":-0.04284476893288749,"num_words":105,"start":2295.1,"end":2324.5498},{"sentences":[{"text":"So I just wanna sort of look at your portfolio, look at how it's working, try to maybe minimize fees where I possibly can.","start":2324.69,"end":2331.0051,"sentiment":"neutral","sentiment_score":0.0711208451539278},{"text":"I'll keep a little bit active management in there for you as well and see what we can do to get it working a bit harder, and then just keep reviewing and updating it as we need to.","start":2331.0051,"end":2339.485,"sentiment":"neutral","sentiment_score":0.1396298744764767},{"text":"Does that sound okay?","start":2339.485,"end":2340.605,"sentiment":"neutral","sentiment_score":0.05890079028904438},{"text":"Does that do you have any questions out of any of that?","start":2340.605,"end":2343.2651,"sentiment":"neutral","sentiment_score":0.012563280140360197},{"text":"Yeah.","start":2343.3252,"end":2343.78,"sentiment":"neutral","sentiment_score":-0.00018192362040281296}],"sentiment":"neutral","sentiment_score":0.09365843181038581,"num_words":79,"start":2324.69,"end":2343.78},{"sentences":[{"text":"Beautiful.","start":2345.06,"end":2345.56,"sentiment":"neutral","sentiment_score":0.31000229716300964},{"text":"Okay.","start":2345.78,"end":2346.1,"sentiment":"neutral","sentiment_score":0.25125017762184143},{"text":"Well, I will let you go back to enjoying the rest of your day.","start":2346.1,"end":2349.4001,"sentiment":"positive","sentiment_score":0.46031794377735685},{"text":"Good luck with the job hunt.","start":2349.78,"end":2351.06,"sentiment":"positive","sentiment_score":0.4940837820370992},{"text":"If anything comes up, let me know.","start":2351.06,"end":2353.0,"sentiment":"neutral","sentiment_score":0.048256609588861465}],"sentiment":"positive","sentiment_score":0.3554483671383611,"num_words":29,"start":2345.06,"end":2353.0},{"sentences":[{"text":"It takes probably about two to three weeks to complete the research for the advice document.","start":2353.46,"end":2357.955,"sentiment":"neutral","sentiment_score":0.029729015193879604},{"text":"Are you okay if I book in a time now, or did you want me to get one of the team to give you a call in a week or two to book in a time?","start":2357.955,"end":2364.115,"sentiment":"neutral","sentiment_score":0.026815568226286106},{"text":"What's easier for you?","start":2364.115,"end":2365.495,"sentiment":"neutral","sentiment_score":-0.007215220655780286},{"text":"Yeah.","start":2367.635,"end":2368.0352,"sentiment":"neutral","sentiment_score":0.04692596942186355},{"text":"Absolutely.","start":2368.0352,"end":2368.5352,"sentiment":"neutral","sentiment_score":0.07710413634777069}],"sentiment":"neutral","sentiment_score":0.026486102110256666,"num_words":58,"start":2353.46,"end":2368.5352},{"sentences":[{"text":"So I'm looking at the week of the August 10.","start":2368.915,"end":2371.975,"sentiment":"neutral","sentiment_score":0.03606671094894409},{"text":"Is there a day, morning or afternoon that suits you best normally?","start":2372.67,"end":2376.8499,"sentiment":"neutral","sentiment_score":0.038833213659624256},{"text":"Yep.","start":2379.31,"end":2379.55,"sentiment":"neutral","sentiment_score":0.057527296245098114},{"text":"Beautiful.","start":2379.55,"end":2380.03,"sentiment":"neutral","sentiment_score":0.19374069571495056},{"text":"And about this time, say, maybe 02:00.","start":2380.03,"end":2382.6099,"sentiment":"neutral","sentiment_score":0.050405737810901234}],"sentiment":"neutral","sentiment_score":0.046153994517460946,"num_words":31,"start":2368.915,"end":2382.6099},{"sentences":[{"text":"Yep.","start":2382.91,"end":2383.41,"sentiment":"neutral","sentiment_score":0.05394970625638962},{"text":"Yep.","start":2383.55,"end":2383.95,"sentiment":"neutral","sentiment_score":0.09101824462413788},{"text":"Beautiful.","start":2383.95,"end":2384.45,"sentiment":"neutral","sentiment_score":0.23457157611846924},{"text":"I do have Monday, August 10 at 2PM available.","start":2384.5898,"end":2389.385,"sentiment":"neutral","sentiment_score":0.09976603007978863},{"text":"If that's okay for you, we'll get it early in the week for you.","start":2389.385,"end":2393.3052,"sentiment":"neutral","sentiment_score":0.0992134538080011}],"sentiment":"neutral","sentiment_score":0.10255469811650422,"num_words":26,"start":2382.91,"end":2393.3052},{"sentences":[{"text":"Yep.","start":2393.3052,"end":2393.8052,"sentiment":"neutral","sentiment_score":0.08743330091238022},{"text":"Fantastic, Luke.","start":2395.3052,"end":2396.5051,"sentiment":"positive","sentiment_score":0.5537756085395813},{"text":"That one is all booked in there for you.","start":2396.5051,"end":2398.185,"sentiment":"neutral","sentiment_score":0.3019867075814141},{"text":"It is about three weeks away, so I will just add a little text message reminder.","start":2398.185,"end":2401.64,"sentiment":"neutral","sentiment_score":0.0017123742727562785},{"text":"If anything does come up, just let me know.","start":2402.0999,"end":2404.0999,"sentiment":"neutral","sentiment_score":0.0034465715289115906}],"sentiment":"neutral","sentiment_score":0.10733194644185337,"num_words":37,"start":2393.3052,"end":2404.0999},{"sentences":[{"text":"We can happily reschedule then.","start":2404.0999,"end":2405.88,"sentiment":"neutral","sentiment_score":0.3223975896835327},{"text":"Otherwise, I'll give you a call at 02:00.","start":2406.0999,"end":2407.78,"sentiment":"neutral","sentiment_score":0.10837557213380933},{"text":"We'll go through the updated advice document.","start":2407.78,"end":2409.88,"sentiment":"neutral","sentiment_score":0.17339474601405008},{"text":"I'll look I'll let you know what I'm recommending, how, why, how it's in your best interest, the advantages, disadvantages, risks involved, and then you get to take that away and have a really good read and decide what you're happy to take on board.","start":2409.94,"end":2421.585,"sentiment":"neutral","sentiment_score":0.26951411589980123},{"text":"Okay.","start":2421.585,"end":2422.085,"sentiment":"neutral","sentiment_score":0.25101709365844727}],"sentiment":"neutral","sentiment_score":0.24351375843539383,"num_words":66,"start":2404.0999,"end":2422.085},{"sentences":[{"text":"Easy.","start":2424.2488,"end":2424.7488,"sentiment":"positive","sentiment_score":0.6685563325881958},{"text":"My pleasure.","start":2425.0488,"end":2425.689,"sentiment":"positive","sentiment_score":0.8200398981571198},{"text":"You enjoy your day.","start":2425.689,"end":2426.5688,"sentiment":"positive","sentiment_score":0.8180909007787704},{"text":"Thank you for your 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Good. Thank you. Yep. Yep. Oh, relaxing. Quiet. Yep. That's all good. Yep. Luke Matthew Holman. Twenty third 1983. 7 Baffa Street, New Norfolk. Yeah. I'm on my I'm on my phone at the moment, so I can I can grab it out of my email? Yeah. I'm looking at I'm looking at it right now. Yep. No. No. Not really. No. I don't, honestly. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. Yep. Yep. Oh, not really. Not really. So, yeah, so the the hub twenty four account, it's it's only going up by this twelve months, only by $7,000. And the the Oz Super one, what was that? Went from what was it? '25 to 3034 or something like that, wasn't it? Okay. Yep. Right here. Okay. Yeah. Sounds good. Okay. Yep. Yep. No. That's if if yeah. If it's not if it's not performing and you think you just can do it, you think you can get better, then go for it. Yeah. Yeah. I'm back. Sorry. Yep. Yep. I might I might stick with I might stick with the active and and give it give it another give it another twelve months and see how it performs, and then we'll rereview it next year. If, yeah, if you if you if you believe that there's there's there's room room there for improvement, then we'll we'll give it a shot. We'll we'll see how it goes over the next twelve months. Yeah. Okay. Yep. Alright. Sounds sounds sounds solid. Sounds good. Yeah. I'll just I'll just have a look at it a minute ago. Yeah. Yep. Yep. Let let's let's let's go. Let's go. We'll make we'll make the changes that you have advised today, and then we'll we'll have a little we'll have a look at it again in six months' time and see see where we're at. Yep. Yep. Yeah. Sounds good. Sounds good. Yeah. Yep. Yeah. Yep. Sorry. No. I don't. I very, very, very vaguely remember the call last week. Yeah. Okay. Yeah. Yeah. Yeah. I'm I'm yeah. I'm current I'm currently unemployed at the moment. No. It's all it's all good. No. No. I'd I'd I'd disagree disagreement on safety grounds with the company, and I decided to to to walk away. Yeah. Yeah. Yeah. Not not the And different different different sort of opinion with the boss and, yeah, basically, he said, you can take it or leave it. And I said, no. I think I'll I think I'll leave it. You need to find some other schmuck to drive it. Yep. Yeah. Yeah. It's not it's only, was it? A hundred and hundred and twenty thousand or something now, isn't it? Yeah. Okay. Yeah. Okay. Yeah. Yeah. Every every remember every phone call I've had had with with OPU has been advised to keep that. Let let it go. Yep. Yeah. Yeah. Yeah. It was the yeah. It was the t a l yeah. The t a l one. It's a lot it's a lot harder to claim. You gotta be pretty much pretty much a quadriplegic. Yep. Yep. Yeah. Yeah. Yeah. That's as far as I'm aware, that's a life lifetime pension. Yeah. Yeah. Yep. Yes. Yep. Yep. Correct. Yeah. Yeah. It does. Yep. Yep. Yep. Yep. Sounds good. Yep. No. No. I think you've covered it very well. Yes. All good. Yeah. Yeah. I am. So I'm very much actively looking for work. Yeah. Yes. Yeah. I've I've I've had a yeah. I've I've had a I've had a a fair few interviews lately. Yeah. Then I'm trying to get back into into in still in the truck driving, but I'm stepping away from the from the fuel game. Going just back to back to gen to to some general freight. Yep. Yep. Yeah. Yeah. Sounds good. Yeah. No worries. No worries. Yeah. I I probably well, at at the moment at the moment, I can't really do too much. I'm just hanging on hanging on to what I've got while while I search for another job. But I'm currently selling my investment property in New South Wales. Yeah. And then well, if I when when and if that it should it should sell. It's pretty high demand area, but when it does sell, it'll pretty much the profit the profit I make from that minus the capital gains tax I'll have to pay on what I make, I should be able to wipe out my mortgage here. So I'll be reevaluating how I look at my super once that's all all all sorted. I'll probably start I'll probably start looking at putting potentially a a good a good part of my my military pension directly into my super. Yep. Yes. Yeah. Yeah. Yeah. Sounds good. Yeah. Correct. Yep. I was hoping to get between $6.70 and $6.90. Yep. Yeah. Yeah. To that yeah. Well, if I take out all my redraw, it's about 190,000 I owe on it. Yep. I don't think it shifted much. Maybe maybe a little bit more, but I don't think I don't think it's grown significantly in twelve months' time. Yeah. Down to, like, $4.23, I think, now. Yep. No. Well, that's well, yeah, what's coming with the capital gains tax plus the rate, the mortgage rates, yeah, I've I've decided to get out of get out of my investment property. It's just between all the Stratas and all the other associated fees. It's just it's just it's just it's just become too much. It's by the time I by the time I sort of take all the take the rental income out, then all the Stratas and everything. I mean, I'm still in I'm still in the red. Not not by much. And once with my military my military pension and what I was earning doing tanker driving, I was I was just earning way too much money. I was it was just a constant ballet every tax time to sort of make it so I didn't get a great big tax bill each year. So so oh, yeah. Yeah. I just wanna see at the same time, I I just wanna see I just wanna simplify my life a little bit. Yep. Yep. I would like to do it I'd like to do it beforehand, but the way the the way things are, I'm I'm still realistic. I think I'll be I'll still probably be working until until that retirement age of about 67 or so. Yep. Yep. Yep. Yeah. Yep. Yes. No worries. No worries. Okay. It's probably yeah. It's It's it's three it's three years old. It's a car. It depreciates bigger. Yep. Yeah. I've got redraw on my current on my current, but it's only about 3 thousand dollars on my on my investment. I think I think last time I checked, it was about 13 or 14,000, and I've got I've got $4,545,000 dollars in savings. 45. Yeah. Yeah. Yeah. I do. Yeah. I do. Yeah. Through Suncorp slash Shannon's. I think it was I think I've got it in some total insured for about a 150,000, I think. No. No. No. I wish I wish I had been smarter and when I first heard of that, but, no, I think everyone does the same thing. That is correct. Yep. That's that's exactly. Yep. That's it. Yep. But I don't want that to change. No. And I believe I've no. No. I haven't received it. Yeah. Yep. Yeah. Let's do that. Yep. That's fine. Yep. Send send it through that way, and I'll I'll fill it up and finish it off and send it back to you. I don't have a question at all. It's the the 04/19/1988. Yes. Yeah. Yeah. Yes. Seven Baptist Street. Yes. Oh, I just just need just just email it through to me, and that way I'll just I'll digitally sign it and do what I need to do there and send it back to you so it'll make it a bit quicker and more efficient. Okay. Alright. Well, then you'll just send yeah. Just just send it by email. I'll print it print out and sign it and whatnot. Okay. Okay. No worries. No worries. Not really. No. Okay. Yeah. Well, that I don't think I haven't really have to worry about that that that coming coming forth in my in my if in in in light of my demise. But, yeah, I'll I'll, yeah, I'll I'll have a look at doing a or something. Yeah. Yeah. Okay. Yeah. Okay. No worries. Yeah. Okay. Yep. I do. Yeah. Oh, well, yeah. I don't think it's gonna go positively for me. It's on a hundred hundred and ninety what was it? A hundred and ninety four centimeters tall and a hundred and forty kilo. Yep. Yep. Yeah. Yes. Okay. No worries. Yes. Okay. Alright. Yeah. No. No. No. I'm no. I'm all good. All good. Yep. Yep. No. I think I think I'll I'll think I'll be late. While while I still got a bit of fun up his sleeve. I'll just let it fire and see how it goes. Yeah. Yep. Yeah. Yeah. Yeah. Yes. That sounds fine. No. No. That sounds fine. No. That's alright. Just just let's just book it in now. After the afternoon would suit me best. Yeah. About this time. Yep. Yep. Yes. Yep. Sounds good. No worries. Alright. Thank you very much. Yeah. I will do it. Catch you later. Bye bye. 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Good. Thank you. Yep. Yep.\n\nOh, relaxing. Quiet. Yep. That's all good. Yep.\n\nLuke Matthew Holman. Twenty third 1983. 7 Baffa Street, New Norfolk. Yeah. I'm on my I'm on my phone at the moment, so I can I can grab it out of my email?\n\nYeah. I'm looking at I'm looking at it right now. Yep. No. No.\n\nNot really. No. I don't, honestly. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYeah. Yep. Yep. Oh, not really. Not really.\n\nSo, yeah, so the the hub twenty four account, it's it's only going up by this twelve months, only by $7,000. And the the Oz Super one, what was that? Went from what was it? '25 to 3034 or something like that, wasn't it? Okay.\n\nYep. Right here. Okay. Yeah. Sounds good.\n\nOkay. Yep. Yep. No. That's if if yeah.\n\nIf it's not if it's not performing and you think you just can do it, you think you can get better, then go for it. Yeah. Yeah. I'm back. Sorry.\n\nYep. Yep. I might I might stick with I might stick with the active and and give it give it another give it another twelve months and see how it performs, and then we'll rereview it next year. If, yeah, if you if you if you believe that there's there's there's room room there for improvement, then we'll we'll give it a shot. We'll we'll see how it goes over the next twelve months.\n\nYeah. Okay. Yep. Alright. Sounds sounds sounds solid.\n\nSounds good. Yeah. I'll just I'll just have a look at it a minute ago. Yeah. Yep.\n\nYep. Let let's let's let's go. Let's go. We'll make we'll make the changes that you have advised today, and then we'll we'll have a little we'll have a look at it again in six months' time and see see where we're at. Yep.\n\nYep. Yeah. Sounds good. Sounds good. Yeah.\n\nYep. Yeah. Yep. Sorry. No.\n\nI don't. I very, very, very vaguely remember the call last week. Yeah. Okay. Yeah.\n\nYeah. Yeah. I'm I'm yeah. I'm current I'm currently unemployed at the moment. No.\n\nIt's all it's all good. No. No. I'd I'd I'd disagree disagreement on safety grounds with the company, and I decided to to to walk away. Yeah.\n\nYeah. Yeah. Not not the And different different different sort of opinion with the boss and, yeah, basically, he said, you can take it or leave it. And I said, no. I think I'll I think I'll leave it.\n\nYou need to find some other schmuck to drive it. Yep. Yeah. Yeah. It's not it's only, was it?\n\nA hundred and hundred and twenty thousand or something now, isn't it? Yeah. Okay. Yeah. Okay.\n\nYeah. Yeah. Every every remember every phone call I've had had with with OPU has been advised to keep that. Let let it go. Yep.\n\nYeah. Yeah. Yeah. It was the yeah. It was the t a l yeah.\n\nThe t a l one. It's a lot it's a lot harder to claim. You gotta be pretty much pretty much a quadriplegic. Yep. Yep.\n\nYeah. Yeah. Yeah. That's as far as I'm aware, that's a life lifetime pension. Yeah.\n\nYeah. Yep. Yes. Yep. Yep.\n\nCorrect. Yeah. Yeah. It does. Yep.\n\nYep. Yep. Yep. Sounds good. Yep.\n\nNo. No. I think you've covered it very well. Yes. All good.\n\nYeah. Yeah. I am. So I'm very much actively looking for work. Yeah.\n\nYes. Yeah. I've I've I've had a yeah. I've I've had a I've had a a fair few interviews lately. Yeah.\n\nThen I'm trying to get back into into in still in the truck driving, but I'm stepping away from the from the fuel game. Going just back to back to gen to to some general freight. Yep. Yep. Yeah.\n\nYeah. Sounds good. Yeah. No worries. No worries.\n\nYeah. I I probably well, at at the moment at the moment, I can't really do too much. I'm just hanging on hanging on to what I've got while while I search for another job. But I'm currently selling my investment property in New South Wales. Yeah.\n\nAnd then well, if I when when and if that it should it should sell. It's pretty high demand area, but when it does sell, it'll pretty much the profit the profit I make from that minus the capital gains tax I'll have to pay on what I make, I should be able to wipe out my mortgage here. So I'll be reevaluating how I look at my super once that's all all all sorted. I'll probably start I'll probably start looking at putting potentially a a good a good part of my my military pension directly into my super. Yep.\n\nYes. Yeah. Yeah. Yeah. Sounds good.\n\nYeah. Correct. Yep. I was hoping to get between $6.70 and $6.90. Yep.\n\nYeah. Yeah. To that yeah. Well, if I take out all my redraw, it's about 190,000 I owe on it. Yep.\n\nI don't think it shifted much. Maybe maybe a little bit more, but I don't think I don't think it's grown significantly in twelve months' time. Yeah. Down to, like, $4.23, I think, now. Yep.\n\nNo. Well, that's well, yeah, what's coming with the capital gains tax plus the rate, the mortgage rates, yeah, I've I've decided to get out of get out of my investment property. It's just between all the Stratas and all the other associated fees. It's just it's just it's just it's just become too much. It's by the time I by the time I sort of take all the take the rental income out, then all the Stratas and everything.\n\nI mean, I'm still in I'm still in the red. Not not by much. And once with my military my military pension and what I was earning doing tanker driving, I was I was just earning way too much money. I was it was just a constant ballet every tax time to sort of make it so I didn't get a great big tax bill each year. So so oh, yeah.\n\nYeah. I just wanna see at the same time, I I just wanna see I just wanna simplify my life a little bit. Yep. Yep. I would like to do it I'd like to do it beforehand, but the way the the way things are, I'm I'm still realistic.\n\nI think I'll be I'll still probably be working until until that retirement age of about 67 or so. Yep. Yep. Yep. Yeah.\n\nYep. Yes. No worries. No worries. Okay.\n\nIt's probably yeah. It's It's it's three it's three years old. It's a car. It depreciates bigger. Yep.\n\nYeah. I've got redraw on my current on my current, but it's only about 3 thousand dollars on my on my investment. I think I think last time I checked, it was about 13 or 14,000, and I've got I've got $4,545,000 dollars in savings. 45. Yeah.\n\nYeah. Yeah. I do. Yeah. I do.\n\nYeah. Through Suncorp slash Shannon's. I think it was I think I've got it in some total insured for about a 150,000, I think. No. No.\n\nNo. I wish I wish I had been smarter and when I first heard of that, but, no, I think everyone does the same thing. That is correct. Yep. That's that's exactly.\n\nYep. That's it. Yep. But I don't want that to change. No.\n\nAnd I believe I've no. No. I haven't received it. Yeah. Yep.\n\nYeah. Let's do that. Yep. That's fine. Yep.\n\nSend send it through that way, and I'll I'll fill it up and finish it off and send it back to you. I don't have a question at all. It's the the 04/19/1988. Yes. Yeah.\n\nYeah. Yes. Seven Baptist Street. Yes. Oh, I just just need just just email it through to me, and that way I'll just I'll digitally sign it and do what I need to do there and send it back to you so it'll make it a bit quicker and more efficient.\n\nOkay. Alright. Well, then you'll just send yeah. Just just send it by email. I'll print it print out and sign it and whatnot.\n\nOkay. Okay. No worries. No worries. Not really.\n\nNo. Okay. Yeah. Well, that I don't think I haven't really have to worry about that that that coming coming forth in my in my if in in in light of my demise. But, yeah, I'll I'll, yeah, I'll I'll have a look at doing a or something.\n\nYeah. Yeah. Okay. Yeah. Okay.\n\nNo worries. Yeah. Okay. Yep. I do.\n\nYeah. Oh, well, yeah. I don't think it's gonna go positively for me. It's on a hundred hundred and ninety what was it? A hundred and ninety four centimeters tall and a hundred and forty kilo.\n\nYep. Yep. Yeah. Yes. Okay.\n\nNo worries. Yes. Okay. Alright. Yeah.\n\nNo. No. No. I'm no. I'm all good.\n\nAll good. Yep. Yep. No. I think I think I'll I'll think I'll be late.\n\nWhile while I still got a bit of fun up his sleeve. I'll just let it fire and see how it goes. Yeah. Yep. Yeah.\n\nYeah. Yeah. Yes. That sounds fine. No.\n\nNo. That sounds fine. No. That's alright. Just just let's just book it in now.\n\nAfter the afternoon would suit me best. Yeah. About this time. Yep. Yep.\n\nYes. Yep. Sounds good. No worries. Alright.\n\nThank you very much. Yeah. I will do it. Catch you later. Bye bye.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.28,"end":1.78,"sentiment":"neutral","sentiment_score":0.02221459522843361},{"text":"Good.","start":6.48,"end":6.7999997,"sentiment":"positive","sentiment_score":0.5105397701263428},{"text":"Thank you.","start":6.7999997,"end":7.54,"sentiment":"positive","sentiment_score":0.6535001993179321},{"text":"Yep.","start":12.719999,"end":13.2,"sentiment":"neutral","sentiment_score":0.1069214791059494},{"text":"Yep.","start":13.2,"end":13.7,"sentiment":"neutral","sentiment_score":0.15562480688095093}],"sentiment":"positive","sentiment_score":0.35038350832959014,"num_words":6,"start":1.28,"end":13.7},{"sentences":[{"text":"Oh, relaxing.","start":17.205,"end":17.945,"sentiment":"neutral","sentiment_score":0.23084263503551483},{"text":"Quiet.","start":18.645,"end":19.145,"sentiment":"neutral","sentiment_score":0.3166276216506958},{"text":"Yep.","start":20.244999,"end":20.744999,"sentiment":"positive","sentiment_score":0.37808340787887573},{"text":"That's all good.","start":24.724998,"end":25.705,"sentiment":"positive","sentiment_score":0.4291519224643707},{"text":"Yep.","start":33.3,"end":33.8,"sentiment":"neutral","sentiment_score":0.15832875669002533}],"sentiment":"neutral","sentiment_score":0.32527260296046734,"num_words":8,"start":17.205,"end":33.8},{"sentences":[{"text":"Luke Matthew Holman.","start":41.54,"end":42.739998,"sentiment":"neutral","sentiment_score":0.021389533455173176},{"text":"Twenty third 1983.","start":42.739998,"end":44.635002,"sentiment":"neutral","sentiment_score":0.018482328082124393},{"text":"7 Baffa Street, New 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every tax time to sort of make it so I didn't get a great big tax bill each year.","start":1507.18,"end":1513.98,"sentiment":"neutral","sentiment_score":-0.24786854176609605},{"text":"So so oh, yeah.","start":1513.98,"end":1518.7001,"sentiment":"neutral","sentiment_score":-0.0510239414870739}],"sentiment":"neutral","sentiment_score":-0.1969848943113441,"num_words":71,"start":1497.125,"end":1518.7001},{"sentences":[{"text":"Yeah.","start":1518.7001,"end":1519.02,"sentiment":"neutral","sentiment_score":0.11275183409452438},{"text":"I just wanna see at the same time, I I just wanna see I just wanna simplify my life a little bit.","start":1519.02,"end":1524.055,"sentiment":"neutral","sentiment_score":0.2752608541737903},{"text":"Yep.","start":1526.1951,"end":1526.6951,"sentiment":"neutral","sentiment_score":0.27174606919288635},{"text":"Yep.","start":1527.075,"end":1527.575,"sentiment":"neutral","sentiment_score":0.09749959409236908},{"text":"I would like to do it I'd like to do it 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that's exactly.","start":1769.6649,"end":1771.365,"sentiment":"neutral","sentiment_score":0.035240797946850456}],"sentiment":"neutral","sentiment_score":-0.13494142005220056,"num_words":32,"start":1733.18,"end":1771.365},{"sentences":[{"text":"Yep.","start":1771.4249,"end":1771.6649,"sentiment":"neutral","sentiment_score":0.002338175429031253},{"text":"That's it.","start":1771.6649,"end":1772.065,"sentiment":"neutral","sentiment_score":-0.007842471823096275},{"text":"Yep.","start":1772.065,"end":1772.225,"sentiment":"neutral","sentiment_score":-0.013600329868495464},{"text":"But I don't want that to change.","start":1772.225,"end":1773.5249,"sentiment":"neutral","sentiment_score":-0.10344925203493663},{"text":"No.","start":1803.375,"end":1803.615,"sentiment":"neutral","sentiment_score":-0.12794950604438782}],"sentiment":"neutral","sentiment_score":-0.07325344736455008,"num_words":12,"start":1771.4249,"end":1803.615},{"sentences":[{"text":"And I believe I've 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and do what I need to do there and send it back to you so it'll make it a bit quicker and more efficient.","start":1859.045,"end":1868.35,"sentiment":"neutral","sentiment_score":0.16971888732579019}],"sentiment":"neutral","sentiment_score":0.15490444316802657,"num_words":51,"start":1845.37,"end":1868.35},{"sentences":[{"text":"Okay.","start":1874.8099,"end":1875.21,"sentiment":"neutral","sentiment_score":0.044650059193372726},{"text":"Alright.","start":1875.21,"end":1875.5299,"sentiment":"neutral","sentiment_score":0.05724233016371727},{"text":"Well, then you'll just send yeah.","start":1875.5299,"end":1877.5299,"sentiment":"neutral","sentiment_score":0.05722461951275667},{"text":"Just just send it by email.","start":1877.5299,"end":1878.6499,"sentiment":"neutral","sentiment_score":0.07006849224368732},{"text":"I'll print it print out and sign it and 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late.","start":2281.3,"end":2283.64,"sentiment":"neutral","sentiment_score":-0.21432408839464187}],"sentiment":"neutral","sentiment_score":-0.056957803666591644,"num_words":15,"start":2208.895,"end":2283.64},{"sentences":[{"text":"While while I still got a bit of fun up his sleeve.","start":2283.965,"end":2286.285,"sentiment":"neutral","sentiment_score":0.10453331843018532},{"text":"I'll just let it fire and see how it goes.","start":2286.285,"end":2289.025,"sentiment":"neutral","sentiment_score":0.14408099949359893},{"text":"Yeah.","start":2289.245,"end":2289.745,"sentiment":"neutral","sentiment_score":0.24264632165431976},{"text":"Yep.","start":2295.725,"end":2296.2,"sentiment":"neutral","sentiment_score":0.003561676712706685},{"text":"Yeah.","start":2304.44,"end":2304.8398,"sentiment":"neutral","sentiment_score":-0.0980416014790535}],"sentiment":"neutral","sentiment_score":0.11373504851944745,"num_words":25,"start":2283.965,"end":2304.8398},{"sentences":[{"text":"Yeah.","start":2304.8398,"end":2305.3398,"sentiment":"neutral","sentiment_score":-0.05478779226541519},{"text":"Yeah.","start":2316.885,"end":2317.385,"sentiment":"neutral","sentiment_score":-0.0956789329648018},{"text":"Yes.","start":2341.275,"end":2341.595,"sentiment":"neutral","sentiment_score":0.023072442039847377},{"text":"That sounds fine.","start":2341.595,"end":2342.655,"sentiment":"neutral","sentiment_score":0.0129661342749993},{"text":"No.","start":2342.9548,"end":2343.4348,"sentiment":"neutral","sentiment_score":-0.016609326004981995}],"sentiment":"neutral","sentiment_score":-0.0150150294814791,"num_words":7,"start":2304.8398,"end":2343.4348},{"sentences":[{"text":"No.","start":2343.4348,"end":2343.595,"sentiment":"neutral","sentiment_score":0.003074171021580696},{"text":"That sounds fine.","start":2343.595,"end":2344.655,"sentiment":"neutral","sentiment_score":0.08648807182908058},{"text":"No.","start":2364.9302,"end":2365.1702,"sentiment":"neutral","sentiment_score":-0.029360929504036903},{"text":"That's alright.","start":2365.1702,"end":2365.6501,"sentiment":"neutral","sentiment_score":0.041028378531336784},{"text":"Just just let's just book it in now.","start":2365.6501,"end":2376.9248,"sentiment":"neutral","sentiment_score":0.03209230815991759}],"sentiment":"neutral","sentiment_score":0.038131511956453326,"num_words":15,"start":2343.4348,"end":2376.9248},{"sentences":[{"text":"After the afternoon would suit me best.","start":2377.1448,"end":2380.79,"sentiment":"neutral","sentiment_score":0.03812591146145548},{"text":"Yeah.","start":2381.7302,"end":2382.1301,"sentiment":"neutral","sentiment_score":0.03332459181547165},{"text":"About this time.","start":2382.1301,"end":2383.09,"sentiment":"neutral","sentiment_score":0.02634626751144727},{"text":"Yep.","start":2383.09,"end":2383.59,"sentiment":"neutral","sentiment_score":0.06069996580481529},{"text":"Yep.","start":2391.25,"end":2391.645,"sentiment":"neutral","sentiment_score":0.09880822151899338}],"sentiment":"neutral","sentiment_score":0.04144253553106235,"num_words":13,"start":2377.1448,"end":2391.645},{"sentences":[{"text":"Yes.","start":2392.045,"end":2392.545,"sentiment":"neutral","sentiment_score":0.09106828272342682},{"text":"Yep.","start":2393.565,"end":2393.885,"sentiment":"neutral","sentiment_score":0.13901160657405853},{"text":"Sounds good.","start":2393.885,"end":2394.705,"sentiment":"positive","sentiment_score":0.4022795408964157},{"text":"No worries.","start":2422.765,"end":2423.4849,"sentiment":"neutral","sentiment_score":0.29516885429620743},{"text":"Alright.","start":2423.4849,"end":2423.7249,"sentiment":"positive","sentiment_score":0.4552130401134491}],"sentiment":"neutral","sentiment_score":0.29716995997088297,"num_words":7,"start":2392.045,"end":2423.7249},{"sentences":[{"text":"Thank you very much.","start":2423.7249,"end":2424.865,"sentiment":"positive","sentiment_score":0.779390424489975},{"text":"Yeah.","start":2426.925,"end":2427.2449,"sentiment":"positive","sentiment_score":0.4070192575454712},{"text":"I will do it.","start":2427.2449,"end":2427.9648,"sentiment":"positive","sentiment_score":0.5332495272159576},{"text":"Catch you later.","start":2427.9648,"end":2428.605,"sentiment":"positive","sentiment_score":0.4334380328655243},{"text":"Bye bye.","start":2428.605,"end":2429.265,"sentiment":"neutral","sentiment_score":0.18586505949497223}],"sentiment":"positive","sentiment_score":0.5235445201396942,"num_words":14,"start":2423.7249,"end":2429.265},{"sentences":[{"text":"Bye.","start":2430.4448,"end":2430.9448,"sentiment":"neutral","sentiment_score":-0.11968030780553818}],"sentiment":"neutral","sentiment_score":-0.11968030780553818,"num_words":1,"start":2430.4448,"end":2430.9448}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Luke. It's Dana from Oakey Financial. How are you this afternoon?\n\nChannel 1: Good. Thank you.\n\nChannel 0: That's good. I had you booked in to go through a bit of an annual review there with you. Is now still a good time?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Fantastic. How's your day been thus far?\n\nChannel 1: Oh, relaxing.\n\nChannel 0: Oh,\n\nChannel 1: Quiet.\n\nChannel 0: that's good. That's really\n\nChannel 1: Yep.\n\nChannel 0: good. I promise to take up too much of your time and interrupt that relaxation for you.\n\nChannel 1: That's all good.\n\nChannel 0: Lucas, before we jump into the call, I do have to let you know we do record our calls for quality and training purposes. Are you happy for us to proceed with that?\n\nChannel 1: Yep.\n\nChannel 0: Fantastic. And just to do a quick security check there with you as well just to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: Luke Matthew Holman. Twenty third\n\nChannel 0: Yep.\n\nChannel 1: 1983. 7\n\nChannel 0: Yep.\n\nChannel 1: Baffa Street, New Norfolk.\n\nChannel 0: Beautiful. Thank you so much for that. Luke, as part of your annual review, I do send through some compliance documents to you, which does have, some of the documents that I'll go through and explain to you today. Are you able to jump into your emails and grab a hold of that? If not, that's okay.\n\nChannel 1: Yeah. I'm on my I'm on my phone at the moment, so I can I can\n\nChannel 0: Oh,\n\nChannel 1: grab it out of\n\nChannel 0: fantastic.\n\nChannel 1: my email?\n\nChannel 0: If it can't isn't in your inbox, it might be in your junk mail.\n\nChannel 1: Yeah.\n\nChannel 0: I\n\nChannel 1: I'm\n\nChannel 0: tend\n\nChannel 1: looking at\n\nChannel 0: to get\n\nChannel 1: I'm\n\nChannel 0: directed\n\nChannel 1: looking at\n\nChannel 0: through\n\nChannel 1: it\n\nChannel 0: the\n\nChannel 1: right\n\nChannel 0: junk.\n\nChannel 1: now. Yep.\n\nChannel 0: You're right. When we're sort of going through the annual review, we'll go through and have a bit of look at your sleep, how it's how it's being obviously performing, look at any additional goals that you have, and what we can maybe do with Fireflies to help you along. Is there any other questions or anything specific you kind of wanted me to touch base on as part of today's call? Or\n\nChannel 1: No. No. Not really.\n\nChannel 0: no. That's okay. Do you have a look at your super very often?\n\nChannel 1: No. I don't, honestly.\n\nChannel 0: No. That's okay. That's honestly fine. Sometimes it's the best way. You're still young.\n\nYou've got a lot of time ahead of you. It's you know, what happens in the next twenty years is important, not so much today.\n\nChannel 1: Yep.\n\nChannel 0: No. All good, Luke. We're essentially having a bit of a look back to give you an update on your super balance. When we sort of touched base and did your annual review last year, your balance number was a 121,001 and 176 in Hub twenty four. Your\n\nChannel 1: Yep.\n\nChannel 0: balance in Hub twenty four as of today's date, so yesterday's date is a 125,323 and 15¢ there. So we have had an increase. Admittedly, all your contributions do go into Australian Super, not so much hub twenty four. So, essentially, it is what the portfolio has been doing on its own. In Australian\n\nChannel 1: Yep.\n\nChannel 0: Super, the current balance last year when we touched base was 19,057, and your balance now is 37,420. So that's increased quite considerably there as well. When we have\n\nChannel 1: Yep.\n\nChannel 0: a look at the super, the performance, and how it is essentially going, majority of your portfolio has been performing quite well. I can see a couple of investments that are slightly underperforming a little bit, and I know your portfolio was kinda updated early twenty twenty five to one of the newer portfolios. Looking at\n\nChannel 1: Yep.\n\nChannel 0: sort of how that's performed from there, I would like to sort of see a little bit more of an increase. There are two investments I would probably look to maybe remove out of there if you're comfortable with me updating the advice for you. But as a whole, the total earnings and the income that's been generated within Hub twenty four over the past twelve months, you've made over $7,483. So it's a bit lower 4% return for the year net of fees. When you kinda look at the sort of portfolio you're in, you were in that high growth environment.\n\nSo you're sort of wanting to take a more risk trying to obtain greater potential returns.\n\nChannel 1: Yep.\n\nChannel 0: But it also does mean in market volatility and downtimes, and this year has definitely been in a very up and down sort of time within the market and globally. It does mean that you are gonna see lower returns, and that will be reflecting your portfolio there as well. So\n\nChannel 1: Yep.\n\nChannel 0: it is definitely a lower return than what I would like to have seen for this year given your portfolio. But to come out after what we've seen this year with the market volatility and the ups and downs, March and April was kind of the really worst sort of point of that, those ups and downs of what was happening between The US and the Iran war, but also here. In Australia, we had high inflationary rates, which also had an effect on bonds and fixed interest investments as well. So it\n\nChannel 1: Yeah.\n\nChannel 0: is lower than I would like, but I am glad you have come out with a positive return after the last twelve months as well. Okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Beautiful. It is a lot. Did you have any questions? Did you\n\nChannel 1: Oh, not really. Not really. So, yeah, so the the hub twenty four account, it's it's only going up by this twelve months, only by $7,000.\n\nChannel 0: yeah.\n\nChannel 1: And the the Oz Super one, what was that? Went from what was it? '25 to 3034 or something like that, wasn't it?\n\nChannel 0: We've we've gone from 19,000 to about 37%, which is majority of that's your contributions. Yeah.\n\nChannel 1: Okay. Yep. Right here.\n\nChannel 0: Yeah. No. That's okay. What I would like to do I know one of the things having a look at it I know last year when you spoke to my colleague, we did provide a bit of an update on the investment portfolio. Having a look at the individual investments, you do have one of those investors that's been along Australian equities.\n\nThat investment specifically has underperformed a little bit within your portfolio there. Normally, we would sort of not wanna be, you know, taking an investment out or cementing a a loss or a downtime with an investment. But, unfortunately, the issues have been along are kind of in the underlying investments itself. So when you kinda look at the Australian market, it actually is up at the moment. And you've also got other Australian equities in your portfolio as well, which are showing a positive return at the moment.\n\nSo the fact that Benelon is down is kinda holding your returns back a little bit. We do kinda wanna go and remove that from your portfolio. There's no point being invested in investments that are underperforming, is\n\nChannel 1: Okay.\n\nChannel 0: important to continue updating those a little bit as well. It also looks like the other investment in your portfolio that's not performing as well as we kind of had a hope to expect it is the India investment. So it's the beta shares India ETF. That is also showing a little bit of a pullback on your investments as well. So are you comfortable with me going back just reviewing those two investments, maybe restructuring your portfolio and seeing if we can make it work a little bit harder for you?\n\nChannel 1: Yeah. Sounds good.\n\nChannel 0: Yeah. Yeah. Beautiful. There's no point being invested in anything underperforming there, and it is really important to continuously update your portfolio. I know we did sort of update things last year with with what we've got in here at the moment, but hoping that we don't have to, you know, update things on a yearly basis.\n\nIt's best to sort of set up a portfolio and have it working for a couple of years at a time. But, unfortunately, just with what's been happening in the markets, and we've been along underperforming up until recently. We've been a long thing, really great positive past performance, but most recently, they've had some underlying issues with one of their underlying investments. And they can't get out of that investment, so we feel it's best to remove you from that now rather than to wait and sort of see if it drags your portfolio down further.\n\nChannel 1: Okay.\n\nChannel 0: Does that make\n\nChannel 1: Yep.\n\nChannel 0: sense? Do\n\nChannel 1: Yep.\n\nChannel 0: you\n\nChannel 1: No. That's\n\nChannel 0: have\n\nChannel 1: if\n\nChannel 0: any\n\nChannel 1: if yeah.\n\nChannel 0: questions,\n\nChannel 1: If it's\n\nChannel 0: like,\n\nChannel 1: not if\n\nChannel 0: do\n\nChannel 1: it's not performing\n\nChannel 0: you\n\nChannel 1: and you think you just\n\nChannel 0: yeah.\n\nChannel 1: can do it,\n\nChannel 0: Yeah.\n\nChannel 1: you think you\n\nChannel 0: Absolutely.\n\nChannel 1: can get\n\nChannel 0: Let's\n\nChannel 1: better,\n\nChannel 0: get\n\nChannel 1: then go\n\nChannel 0: rid\n\nChannel 1: for it.\n\nChannel 0: of that one out of there. Now the one thing I sort of wanted to talk to you about was how you sort of like to see your investment structured. There are two types of ways of investing. One of those is having more of an actively managed component. By having an active manager in your portfolio, it's very similar to what Benelong is.\n\nThey're an active manager. They're supposed to be buying and selling in a way that sort of gives you they're trying to outperform you're right. Sorry. You're right.\n\nChannel 1: Yeah. Yeah. I'm back.\n\nChannel 0: A\n\nChannel 1: Sorry.\n\nChannel 0: oh, good. No. You're fine. Let me know if\n\nChannel 1: Yep.\n\nChannel 0: you do need to stop. Absolutely. Easy. There are sort of two types of ways of investing within your portfolio. You can have active managers very similar to.\n\nThey are trying to buy and sell in a way that outperform against the market or the benchmark that they're trying to, you know, work against.\n\nChannel 1: Yep.\n\nChannel 0: Active managers don't always have to outperform against the market. They do have years where they don't. Ben along definitely has not this year, and some of the other active managers are have been struggling to do so this year as well. You can also invest passively, which is essentially looking at index funds, which are seen as lower risk. They are a much cheaper way of investing, and those investments are designed to track the market.\n\nDid you wanna look at more of a a low a lower cost portfolio, maybe looking at reducing the fees, or did you wanna still see some active management in your portfolio with regard to those managers? What would you like me to sort of focus\n\nChannel 1: I\n\nChannel 0: on\n\nChannel 1: might\n\nChannel 0: investment\n\nChannel 1: I might\n\nChannel 0: wise?\n\nChannel 1: stick with I might stick with the active and and give it give it another give it another twelve months and see how it performs, and then we'll rereview\n\nChannel 0: Yep.\n\nChannel 1: it next year.\n\nChannel 0: Yeah. That's okay. Did you want me to still go back\n\nChannel 1: If,\n\nChannel 0: and remove Ben along and see if I can replace it with something else for you, or did you\n\nChannel 1: yeah,\n\nChannel 0: wanna\n\nChannel 1: if\n\nChannel 0: just\n\nChannel 1: you if you if you\n\nChannel 0: yeah.\n\nChannel 1: believe that there's there's there's room room there for improvement, then we'll\n\nChannel 0: Absolutely.\n\nChannel 1: we'll give it a shot. We'll we'll see how it goes\n\nChannel 0: Yeah.\n\nChannel 1: over the next twelve months.\n\nChannel 0: Yeah. Absolutely. There's definitely room for improvement there. Obviously, there are certain concerns with what's been happening in the market this year with the ups and downs and the volatility. But when you look at the Australian market as a whole, and even The US market, essentially, the those other investments are up.\n\nThe market is still up as a whole. The dips we saw between sort of March to to April, essentially, were only maybe at the maximum about a 3% dip. It wasn't that big of a a dip. It was just the ups and downs we were feeling on a daily basis and how drastic it was and everything in the news that kinda made it worse for wear. But the fact that Bennelong is still down, it's not really recovering.\n\nAnd with the underlying issues, it is best to remove that from the portfolio now. Essentially, what to kinda give you a bit more clarity, Bennelong have what's an investment called Corporate Traveler. Corporate Traveler have just recently come out to the market, noting that they were dishonest to investors. That meant that Corporate Traveler had to be invest had to be reevaluated as part of the Van Along portfolio. And because of that, Bennelong had to be reevaluated.\n\nNow because of what corporate travelers did, they're actually at a trading halt. So it means that no one can kinda sell that investment at the moment. They don't\n\nChannel 1: Yeah.\n\nChannel 0: let it be\n\nChannel 1: Okay.\n\nChannel 0: traded on. So we they can Venalong can't get rid of Paul the Traveler, but we can get you out of Venalong. So it is best to kind of remove that from your portfolio\n\nChannel 1: Yep.\n\nChannel 0: now.\n\nChannel 1: Alright.\n\nChannel 0: The\n\nChannel 1: Sounds\n\nChannel 0: dips\n\nChannel 1: sounds\n\nChannel 0: are\n\nChannel 1: sounds solid.\n\nChannel 0: the, yeah, the dips aren't bad. It's important to kinda get out now what can. We can utilize the downtime that Ben Long's been to kind of readjust your portfolio and offset any capital gains within the portfolio as well to make it more cost effective. I'll also have a look if you like that investment fees and see if we can make the portfolio a bit cheaper for you as well. How does that sound?\n\nChannel 1: Sounds good.\n\nChannel 0: Yep. Beautiful. In your pack there, you do have the performance report for hub twenty four, so feel free to have a look through that one. It does kinda go through the individual investments and does\n\nChannel 1: Yeah.\n\nChannel 0: show\n\nChannel 1: I'll\n\nChannel 0: the\n\nChannel 1: just\n\nChannel 0: total\n\nChannel 1: I'll just\n\nChannel 0: return\n\nChannel 1: have a look\n\nChannel 0: net.\n\nChannel 1: at it a minute ago. Yeah.\n\nChannel 0: Yeah. Yeah. So we'll see if we can get that working a bit harder there for you. I\n\nChannel 1: Yep.\n\nChannel 0: know past that we have not really done a lot in the way of catch ups. I wanna make sure this year we're doing a few more in the way of catch ups with you. Did you\n\nChannel 1: Yep.\n\nChannel 0: want us to maybe touch base in about three, six, twelve months? How often would you like me to touch base with you\n\nChannel 1: Let let's\n\nChannel 0: to have\n\nChannel 1: let's\n\nChannel 0: a\n\nChannel 1: let's go. Let's go. We'll make we'll make the changes that you have advised today, and then we'll we'll have a\n\nChannel 0: yeah.\n\nChannel 1: little we'll have a look at it again in six months' time and see see where\n\nChannel 0: Six\n\nChannel 1: we're at.\n\nChannel 0: months. Yeah. Beautiful. Excellent.\n\nChannel 1: Yep.\n\nChannel 0: Well, what I'll do is I'll go back after the call, do some research with my team. I'll book you back in at the end as well for a couple of weeks to come back. We'll go through the advice document. I'll let you know what I'm recommending, the what changes we make to the super fund and the portfolio, and then you can take that away. We'll make those changes, and we could do a six month catch up thereafter for you.\n\nChannel 1: Yep.\n\nChannel 0: Okay?\n\nChannel 1: Yeah. Sounds good. Sounds good.\n\nChannel 0: Fantastic. Now having a look at your file as well, you've got the Australian Super account there. Contributions should still be going to Australian Super. We do wanna retain that for a little bit longer. Now I know having a look back, I know you've got your TAL Life and TPD insurances, but the Australian Super had been retained back as well.\n\nI know it was originally recommended to cancel off there, but you've got some life, safety, and income protection with us within Australian Super there.\n\nChannel 1: Yeah.\n\nChannel 0: I've had a really good look at the file and the insurances. With your towel policy, your life cover, you've got a current sum insured of about 1,200,000 just over there\n\nChannel 1: Yep.\n\nChannel 0: of life cover. You've also\n\nChannel 1: Yeah.\n\nChannel 0: got about 140,000 in Australian super as life cover there as well.\n\nChannel 1: Yep.\n\nChannel 0: The TBD is kind of where the important side of things comes into play. So with TBD, you've got the same level within the. It's the 1,200,000. The main sort of difference is is what's called an ADL definition. I know my colleague Kyle last year explained what ADL definition for TBD is.\n\nDo you remember going through that with him?\n\nChannel 1: Sorry. No.\n\nChannel 0: Basically.\n\nChannel 1: I don't. I very, very, very vaguely remember\n\nChannel 0: That's\n\nChannel 1: the\n\nChannel 0: okay.\n\nChannel 1: call last week.\n\nChannel 0: That's absolutely fine. So an ADL definition for TBD essentially means that you have to be unable to do three of the five activities of daily living. So they're thinking things like bathing yourself, feeding yourself, dressing yourself, going to the bathroom, things like that. They it is a very difficult definition to claim on, and\n\nChannel 1: Yeah.\n\nChannel 0: that\n\nChannel 1: Okay.\n\nChannel 0: would come about because of your occupation. So I've got down here that you're a long distance oil tanker driver. Is that right?\n\nChannel 1: Yeah. Yeah. Yeah. I'm I'm yeah. I'm current I'm currently unemployed at the moment.\n\nChannel 0: Yeah. Oh, I'm so sorry. Oh,\n\nChannel 1: No.\n\nChannel 0: no.\n\nChannel 1: It's all it's all good. No. No. I'd I'd I'd disagree disagreement on safety\n\nChannel 0: Yeah.\n\nChannel 1: grounds with the company, and I decided to\n\nChannel 0: Yeah. Look. I don't blame you. I've been doing what you did for a living. I do not blame you in any way.\n\nI think safety is the first and foremost,\n\nChannel 1: to to\n\nChannel 0: especially\n\nChannel 1: walk\n\nChannel 0: with\n\nChannel 1: away.\n\nChannel 0: driving\n\nChannel 1: Yeah.\n\nChannel 0: a tanker\n\nChannel 1: Yeah.\n\nChannel 0: around.\n\nChannel 1: Yeah. Not not the\n\nChannel 0: Yep.\n\nChannel 1: And different different different sort of opinion with the boss and, yeah, basically, he said, you can take it or leave it. And I said, no. I think I'll I think I'll leave it. You need to find some other\n\nChannel 0: Yeah.\n\nChannel 1: schmuck to drive it.\n\nChannel 0: Yeah. No. Absolutely. So as I kinda mentioned, you've got the ADL definition of TPD with. However, the TPD, the total permanent disability you have in Australian super, isn't any occupation definition, which is much easier to claim on.\n\nIt just means that if in your that you're unable to go back to work again due to permanent incapacity, you have to be unable to ever go back to work again in any occupation for which you're educated, trained, or have worked in the past. So the Australian\n\nChannel 1: Yep.\n\nChannel 0: super TBD is really important to keep in hand at the moment.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: The\n\nChannel 1: It's\n\nChannel 0: trial\n\nChannel 1: not\n\nChannel 0: TBD\n\nChannel 1: it's only, was it? A hundred and hundred and twenty thousand or something now, isn't\n\nChannel 0: the TBD within Australian super,\n\nChannel 1: it?\n\nChannel 0: you've only got about $34,000 off, so it's very minimal cover.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Yeah. But it is an an easier occupation to claim on, and it would be one of the first things we try to claim on in the event of permanent incapacity. So me, personally,\n\nChannel 1: Yeah.\n\nChannel 0: I'd\n\nChannel 1: Okay.\n\nChannel 0: be wanting to try and keep that for you. And\n\nChannel 1: Yeah.\n\nChannel 0: then just\n\nChannel 1: Yeah.\n\nChannel 0: the towel\n\nChannel 1: Every\n\nChannel 0: policy\n\nChannel 1: every\n\nChannel 0: that\n\nChannel 1: remember every phone call I've had had with\n\nChannel 0: Yeah.\n\nChannel 1: with OPU has been advised to keep that. Let let\n\nChannel 0: Absolutely.\n\nChannel 1: it go.\n\nChannel 0: Absolutely.\n\nChannel 1: Yep.\n\nChannel 0: I think one of the big things if we looked to essentially cancel that TPD definition, it would mean that in order for you to claim on permanent incapacity, you would have to meet that activity to daily living\n\nChannel 1: Yeah.\n\nChannel 0: definition,\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: and\n\nChannel 1: It was the\n\nChannel 0: that is\n\nChannel 1: yeah. It\n\nChannel 0: very\n\nChannel 1: was the\n\nChannel 0: hard\n\nChannel 1: t a\n\nChannel 0: to meet.\n\nChannel 1: l yeah. The t a l one. It's a lot it's a lot harder to claim. You gotta be pretty much pretty much a quadriplegic.\n\nChannel 0: Absolutely. Absolutely. Absolutely.\n\nChannel 1: Yep.\n\nChannel 0: Very much a difficult definition to claim on there. So at least\n\nChannel 1: Yep.\n\nChannel 0: with having the the 34,000 of TBD within Australian Super there in the event of you being incapacitated, we can also claim permanent incapacity against your super, both hub 24 and Australian Super. So that would\n\nChannel 1: Yeah.\n\nChannel 0: give you essentially, if I look at everything in total, it'll give you estimated about what we're sitting at, 196,000. That's between your two super funds and that TPD within Australian super to kind of be out of claim incapacity against. And I know having a look, you're also receiving still your invalidity pension from the military super as well. You're still receiving that on a regular basis?\n\nChannel 1: Yeah. Yeah. That's as far as I'm aware, that's a life lifetime pension.\n\nChannel 0: It absolutely is. Yeah. Definitely.\n\nChannel 1: Yeah.\n\nChannel 0: So it stays as a lifetime pension amount. It's indexed along with CPDI and their internal indexation, which they kinda\n\nChannel 1: Yeah.\n\nChannel 0: decide every year what they're gonna index it by. It is\n\nChannel 1: Yep.\n\nChannel 0: a lifetime pension. The only sort of difference is they may they have what's called the different invalidity. Like, they have, like, a section, so they have a, b, c. They kind of every so often might come back and reevaluate you, but your invalidity a, which essentially covers you gives you the most coverage at the moment So long\n\nChannel 1: Yes.\n\nChannel 0: as they don't decrease that that eligibility, that should stay exactly as it is, and it is a lifetime pension amount, which is great. Fortnightly pension amount received after tax is about $1,333.19 there.\n\nChannel 1: Yep. Yep. Correct.\n\nChannel 0: So, realistically, you are still getting some money, and that on top of that, the TBD within Australian Super, if we had to claim that plus, obviously, your super between Australian Super and Hub 24, that obviously gives you a little bit extra extra 196,000 at the moment. As your super balance increases, could provide a much greater level of benefit there, and then we can just keep that Cal TPD with the ADL definition as a bit of a top up cover as a backup. So in the event of you having to claim, we try to claim everything else first. And then once, you know, things progress, then we try to claim on that ADL definition later and down the track for you. Does that make sense?\n\nAnd do you have\n\nChannel 1: Yeah.\n\nChannel 0: any questions?\n\nChannel 1: Yeah. It does. Yep.\n\nChannel 0: Yep. Excellent. I wanted to make sure I did a really good review of everything because I know we haven't spoken before. So I did go back and have a really good review of the insurance as how it works. I do wanna update the advice and make some changes to your super portfolio, clean things up for you a little bit in your portfolio.\n\nChannel 1: Yep.\n\nChannel 0: I'll also have a look at the investments within your Australian super as well, make sure everything is kind of in that high growth portfolio between the two. And\n\nChannel 1: Yep.\n\nChannel 0: I'll update the recommendations, and then I'll just also clean up your insurances a little bit too. Just rerecommend the retention of Australian supers, making sure that you have the definitions noted correctly, the advantages, disadvantages, the risks, how that works, make it all outline and clean everything up for you. It's a bit of a a new established sort of, you know, base statement of advice, tracking it where we're heading for moving over the next ten years, and then we can kind of keep tracking it forward and updating it as we need to moving forward. Does\n\nChannel 1: Yep.\n\nChannel 0: that sound\n\nChannel 1: Sounds\n\nChannel 0: okay?\n\nChannel 1: good.\n\nChannel 0: Do you have any\n\nChannel 1: Yep.\n\nChannel 0: questions? Yeah?\n\nChannel 1: No. No. I think you've covered it very well.\n\nChannel 0: Thank you. All good. We obviously, retaining military super is the best thing for you now. I do have to as part of the advice, just note that we will retain military super. We can't and don't ever wanna make any changes.\n\nI actually love those super funds. I think they're fantastic.\n\nChannel 1: Yes.\n\nChannel 0: They are you don't get defined benefits or anything like that anymore, and military super is one of the best ones out there. They really honestly look after you, which is great.\n\nChannel 1: All\n\nChannel 0: That\n\nChannel 1: good.\n\nChannel 0: will be that will be a factor to keep maintaining there for you. The other thing I just wanted to look at was income protection as well. So you do have within Australian Super the income protection benefit. But whilst you're not physically working or unemployed, you can't kinda claim one at the moment. But are you actively looking for work, or what's your plan\n\nChannel 1: Yeah. Yeah. I\n\nChannel 0: moving\n\nChannel 1: am.\n\nChannel 0: forward?\n\nChannel 1: So I'm very much actively\n\nChannel 0: Yep.\n\nChannel 1: looking for work. Yeah.\n\nChannel 0: Yep. Yep. That's okay. Perfect. So at the moment, you've got the income protection based benefit, monthly benefit of $3,100 in the event of not being able to go to work in the short term when you're getting back into the employment side of things.\n\nThat benefit can be claimed if you're injured or ill on a short term basis.\n\nChannel 1: Yes.\n\nChannel 0: But with that, we can kind of come back when you've got a job, when you've got your income, and look at whether that's appropriate for you or not. We\n\nChannel 1: Yeah.\n\nChannel 0: could also look depending on what you do. Do you know with looking for work, are you kinda looking to go into any specific area? Is it what you were doing previously with a truck driving, or are you looking to sort of change it up and\n\nChannel 1: I've\n\nChannel 0: start\n\nChannel 1: I've\n\nChannel 0: something\n\nChannel 1: I've\n\nChannel 0: new?\n\nChannel 1: had a yeah. I've I've had a I've had a a fair few interviews lately. Yeah. Then I'm trying to get back into into in still in the truck driving, but I'm stepping away from the\n\nChannel 0: Yep.\n\nChannel 1: from the fuel game.\n\nChannel 0: Okay.\n\nChannel 1: Going just back to back to gen to to some general freight.\n\nChannel 0: Okay. Perfect. Well, when\n\nChannel 1: Yep.\n\nChannel 0: that happens, let me know. We might even be able to reassess and look at that policy and see if we can get you a better definition than the ADL definition. So\n\nChannel 1: Yep.\n\nChannel 0: I'll retain everything as it is for now as a base statement of advice, the sort of starting point for you, clean\n\nChannel 1: Yeah.\n\nChannel 0: everything\n\nChannel 1: Yeah.\n\nChannel 0: up that we have here. And then when you do get a job, let me know. We can look at your income. We can also look at, you know, moving forward, whether we can update that health policy for you and get you some better definitions of insurances\n\nChannel 1: Sounds\n\nChannel 0: and\n\nChannel 1: good.\n\nChannel 0: just to make sure that if in the event you are permanently disabled or unable to go to work due to, you know, permanent capacity that you can actually claim. I think one of the worst things is having cover that you can't claim on. You don't wanna be paying all those premiums if you are unable to ever claim on them. So we'll try we'll see what we can do about getting those definitions updated for you. Okay.\n\nChannel 1: Yeah. No worries. No worries.\n\nChannel 0: Excellent. All good. Perfect. Everything else is looking quite good. Now because you're currently not working at the moment, the advice document will essentially encompass no additional contributions employer wise.\n\nAre\n\nChannel 1: Yeah.\n\nChannel 0: you at a point or do you have much in the way of savings that you could maybe be making additional, maybe nonconcessional contributions or any additional contributions so far? You're\n\nChannel 1: I I probably well, at at the moment at the moment, I can't really do too much. I'm just hanging on hanging on to what I've got while while I search for another job. But I'm currently selling my investment property in New South Wales.\n\nChannel 0: Lovely.\n\nChannel 1: Yeah. And then well, if I when when and if that it should it should sell. It's pretty high demand\n\nChannel 0: Yeah.\n\nChannel 1: area, but when it does sell, it'll pretty much the profit the profit I make from that minus the capital gains tax I'll have to pay on what I make, I should be able\n\nChannel 0: Mhmm.\n\nChannel 1: to wipe out my mortgage here. So I'll be reevaluating how I look at my super once that's all all all sorted.\n\nChannel 0: Yeah.\n\nChannel 1: I'll\n\nChannel 0: Perfect.\n\nChannel 1: probably start I'll probably start looking at putting potentially a a good a good part of my my military pension directly into my super.\n\nChannel 0: Yeah. Absolutely. I think one\n\nChannel 1: Yep.\n\nChannel 0: of the biggest things to that is that military pension because a lot of that is untaxed money you do pay or they essentially have tax that comes out of that, so it's reducing your net amount. So being able to make additional contributions into super a could, you know, provide you with a little bit of a tax benefit, but also build up your super a lot more for retirement aspect. So when that time\n\nChannel 1: Yes.\n\nChannel 0: comes, let me know. We could always look at a certain amount that you're comfortable with, or we could always look at projecting out to what you wanna have and look at what you need to make in order to get that to meet that goal.\n\nChannel 1: Yeah.\n\nChannel 0: Okay.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Sounds good.\n\nChannel 0: Fantastic. And so your main primary residence, that's at Bathurst Street. Your investment property is Richmond Mews. Is that right?\n\nChannel 1: Yeah. Correct. Yep.\n\nChannel 0: Yep. Beautiful. How much are you selling it for?\n\nChannel 1: I was hoping to get between $6.70 and $6.90.\n\nChannel 0: Oh, fantastic.\n\nChannel 1: Yep.\n\nChannel 0: And you still have a mortgage on that property as well? You did\n\nChannel 1: Yeah.\n\nChannel 0: owe about\n\nChannel 1: Yeah.\n\nChannel 0: 200\n\nChannel 1: To\n\nChannel 0: and 16\n\nChannel 1: that yeah.\n\nChannel 0: at the time.\n\nChannel 1: Well, if I take out all my redraw, it's about 190,000 I owe on it.\n\nChannel 0: Okay. $1.90 after redraw. Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: And with the main primary residence there, we had you rough valuation last year was about 410,000. What's the evaluation would you put on the property now, do you think?\n\nChannel 1: I don't think it shifted much. Maybe maybe a little bit more, but I don't think I don't think it's grown significantly in twelve months' time.\n\nChannel 0: Yep. That's absolutely fine. Not a problem. And a mortgage on that property as well, we had about three hun sorry, 434,000. Has that decreased a little bit since\n\nChannel 1: Yeah.\n\nChannel 0: last year?\n\nChannel 1: Down to, like, $4.23, I think, now.\n\nChannel 0: Oh, fantastic. Those\n\nChannel 1: Yep.\n\nChannel 0: interest rate hikes haven't helped us in any way, shape, or form,\n\nChannel 1: No.\n\nChannel 0: have they?\n\nChannel 1: Well, that's well, yeah, what's coming with the capital gains tax plus the rate, the mortgage rates,\n\nChannel 0: Yep.\n\nChannel 1: yeah, I've I've decided to get out of get out of my investment property.\n\nChannel 0: Yeah.\n\nChannel 1: It's just\n\nChannel 0: Absolutely.\n\nChannel 1: between all the Stratas and all the other associated fees. It's just\n\nChannel 0: It's a lot.\n\nChannel 1: it's just it's just it's just become too much. It's by the time I by the time I sort of take all the take the rental income out,\n\nChannel 0: Yeah.\n\nChannel 1: then all the Stratas and everything. I mean, I'm still in I'm still in the red.\n\nChannel 0: Yeah.\n\nChannel 1: Not\n\nChannel 0: No.\n\nChannel 1: not by much. And once with my military my military pension and what I was earning doing tanker driving, I was I was just earning way too much money. I was it was just a constant ballet every tax time to sort of\n\nChannel 0: Yeah.\n\nChannel 1: make it so I didn't get a great big tax bill each year. So\n\nChannel 0: No. There's more money\n\nChannel 1: so\n\nChannel 0: you're pumping out, isn't it?\n\nChannel 1: oh, yeah. Yeah. I just wanna see at the same time, I I just wanna see I just wanna simplify my life a little bit.\n\nChannel 0: Yeah. Absolutely. Not a problem.\n\nChannel 1: Yep.\n\nChannel 0: And when you\n\nChannel 1: Yep.\n\nChannel 0: think about retirement goals, are you sort of hoping to be able to access super and retire at age 60 or beforehand, or what's kind of your hope\n\nChannel 1: I\n\nChannel 0: for retirement?\n\nChannel 1: would like to do it I'd like to do it beforehand, but\n\nChannel 0: Yep.\n\nChannel 1: the way the the way things are, I'm I'm still realistic. I think I'll be I'll still probably be working until until that retirement age of about 67 or so.\n\nChannel 0: Well, I can give you some good news because you actually don't have to work that long if you don't want to. Under the current legislation, you can fully retire and access your super at the age of 60. So\n\nChannel 1: Yep.\n\nChannel 0: you can choose to retire at 60 onwards and access your super a 100% tax free. That's\n\nChannel 1: Yep.\n\nChannel 0: your Australian super and hub 24. With regard to military super, there are with the untaxed element, there's still taxation there, but once you kinda hit 60, the taxation changes slightly. So and\n\nChannel 1: Yep.\n\nChannel 0: that military pension gives you a lifetime pension as well, which is fantastic. So we can essentially, at that point, be looking at what you get from the military pension, offset that from the other super funds. By that time, you shouldn't need those insurances anymore, so we should be able to cancel them, consolidate everything, have everything in one place, and\n\nChannel 1: Yeah.\n\nChannel 0: then just drill down what you need from, say, hub twenty four or wherever your super is located to offset the military pension and look at, obviously, the long term effect and make it last as long as possible, which would be fantastic for you. If\n\nChannel 1: Yep.\n\nChannel 0: you are wanting to look at retiring before the age of 50, Military Super continues to pay out a pension, but we just have to look at a way to be able to supplement that with investments outside of super. I know you're a bit a bit over the property aspect, but there are other ways to to build wealth outside\n\nChannel 1: Yes.\n\nChannel 0: of super investments and things that can have tax advantages for you down the track as well. So I do a lot of that kind of advice to support you sort of after. Come and have that chat with me. Happy to go through what your goals are, what you're looking for, project out, and work out a plan to help you meet that goal. Okay.\n\nChannel 1: No worries. No worries.\n\nChannel 0: Easy. Easy. I'll work on 60 for the moment for your super, and then we'll just keep coming back and reviewing that for you.\n\nChannel 1: Okay.\n\nChannel 0: The other thing I've got here is your Outback, your motor vehicle, rough valuation last year was 60,000. What do you think you put on that now?\n\nChannel 1: It's probably\n\nChannel 0: 50?\n\nChannel 1: yeah. It's\n\nChannel 0: That's\n\nChannel 1: It's it's three\n\nChannel 0: okay.\n\nChannel 1: it's three years old. It's a car. It depreciates bigger.\n\nChannel 0: Yeah. Absolutely. Absolutely.\n\nChannel 1: Yep.\n\nChannel 0: And then we had some extra cash in the bank. I believe this is a redraw, and that would be the redraw on the investment property. Is that right? Is it the only redraw account that you have with funds\n\nChannel 1: Yeah.\n\nChannel 0: in?\n\nChannel 1: I've got redraw on my current on my current, but it's only about 3\n\nChannel 0: Yep.\n\nChannel 1: thousand dollars on\n\nChannel 0: Okay.\n\nChannel 1: my on my investment. I think I think last time I checked, it was about 13 or 14,000,\n\nChannel 0: Yep.\n\nChannel 1: and I've got\n\nChannel 0: Beautiful.\n\nChannel 1: I've got $4,545,000 dollars in savings.\n\nChannel 0: Oh, beautiful. I'll just update that to be a separate savings account. I'm sorry that you said 40,000 in savings?\n\nChannel 1: 45.\n\nChannel 0: 45. My apologies on that one. Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: Update\n\nChannel 1: Yeah.\n\nChannel 0: those for you. Other\n\nChannel 1: Yeah.\n\nChannel 0: assets I do like to consider are things like your contents. Do you have contents insurance on your property?\n\nChannel 1: I do. Yeah. I do. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Through\n\nChannel 0: What's\n\nChannel 1: Suncorp\n\nChannel 0: the\n\nChannel 1: slash Shannon's.\n\nChannel 0: fantastic. And what's the the estimate you'd put on your content\n\nChannel 1: I think\n\nChannel 0: value\n\nChannel 1: it was\n\nChannel 0: wise?\n\nChannel 1: I think I've got it in some total insured for about a 150,000, I think.\n\nChannel 0: Yep. Beautiful. 150,000. Excellent. And anything else?\n\nAny other shares, cryptocurrency, tools\n\nChannel 1: No.\n\nChannel 0: of trade,\n\nChannel 1: No.\n\nChannel 0: or valuables you'd note\n\nChannel 1: No. I wish\n\nChannel 0: down?\n\nChannel 1: I\n\nChannel 0: Nothing?\n\nChannel 1: wish I had been smarter and when I first heard of that, but, no, I think everyone does the same thing.\n\nChannel 0: Yeah. That's okay. It's all good. Now the other thing to have a look at is your estate planning side of things. Now I've got here that you are in a defective relationship.\n\nSo Stephanie is your partner, and you guys have got two kids. Is that right?\n\nChannel 1: That is correct.\n\nChannel 0: Fantastic. I do have it noted down here with your beneficiaries. So we do have a beneficiary noted on your towel policy with Stephanie as the beneficiary to receive a 100% of the benefit in the event that\n\nChannel 1: Yep.\n\nChannel 0: something was to happen. Is that correct? Is that\n\nChannel 1: That's\n\nChannel 0: how you want\n\nChannel 1: that's\n\nChannel 0: that structured\n\nChannel 1: exactly.\n\nChannel 0: to everything?\n\nChannel 1: Yep. That's it. Yep. But I don't\n\nChannel 0: Yes.\n\nChannel 1: want that to change.\n\nChannel 0: No. That's okay. With military super, that is an automatic beneficiary, so they only really pay everything out to the spouse, and that all kinda happens automatically on passing. We certainly hope nothing happens there. We want you to enjoy your life and your funds, but that's something we don't need to update because it happens automatically within their sort of structure.\n\nBut it does look like with the hub twenty four beneficiary, we had sent it out, but it has not yet been completed. Have you received that in the post recently or via email, or have you got it there?\n\nChannel 1: No.\n\nChannel 0: If\n\nChannel 1: And\n\nChannel 0: not,\n\nChannel 1: I believe\n\nChannel 0: let me\n\nChannel 1: I've\n\nChannel 0: know.\n\nChannel 1: no. No. I haven't received it.\n\nChannel 0: No. That's okay. Are you happy for us? We can pre fill the beneficiary nomination out for you if you like. That way we can send it to you, and you just gotta sign it and have it\n\nChannel 1: Yeah.\n\nChannel 0: witnessed\n\nChannel 1: Yep.\n\nChannel 0: and\n\nChannel 1: Yeah.\n\nChannel 0: sent\n\nChannel 1: Let's\n\nChannel 0: back to\n\nChannel 1: do\n\nChannel 0: us. Would\n\nChannel 1: that.\n\nChannel 0: that be\n\nChannel 1: Yep.\n\nChannel 0: easier?\n\nChannel 1: That's fine.\n\nChannel 0: Yep.\n\nChannel 1: Yep. Send send\n\nChannel 0: Fantastic.\n\nChannel 1: it through that way, and I'll I'll fill it up and finish\n\nChannel 0: Excellent. So\n\nChannel 1: it\n\nChannel 0: I've got it down here. So\n\nChannel 1: off\n\nChannel 0: Stephanie is your beneficiary.\n\nChannel 1: and\n\nChannel 0: Now just double\n\nChannel 1: send\n\nChannel 0: checking. I've got\n\nChannel 1: it\n\nChannel 0: some hard questions\n\nChannel 1: back\n\nChannel 0: for you. What's her date\n\nChannel 1: to\n\nChannel 0: of birth?\n\nChannel 1: you. I don't have a question at all. It's the the 04/19/1988.\n\nChannel 0: Oh, beautiful. Love that one. And I'm just taking your spouse. You're happy for a 100% of the benefit to be\n\nChannel 1: Yes.\n\nChannel 0: nominated to Stephanie. Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: Address is exactly the same as I've got for yourself. There's no\n\nChannel 1: Yes.\n\nChannel 0: Difference\n\nChannel 1: Seven\n\nChannel 0: In\n\nChannel 1: Baptist\n\nChannel 0: the address.\n\nChannel 1: Street. Yes.\n\nChannel 0: Fantastic. Excellent. We'll get that prefilled and sent out to you. Is email or post better or easier for yourself, or did\n\nChannel 1: Oh,\n\nChannel 0: you\n\nChannel 1: I\n\nChannel 0: want\n\nChannel 1: just\n\nChannel 0: both?\n\nChannel 1: just need just\n\nChannel 0: Email?\n\nChannel 1: just email it through to me, and that way I'll just I'll digitally sign it and do what I need to do there and send it back to you so it'll\n\nChannel 0: Yep.\n\nChannel 1: make\n\nChannel 0: Beautiful.\n\nChannel 1: it a bit quicker\n\nChannel 0: It will\n\nChannel 1: and more efficient.\n\nChannel 0: easy. It will need to be wet signed. They do have to be printed and signed because of the way the estate planning works. And with\n\nChannel 1: Okay.\n\nChannel 0: the Systaz,\n\nChannel 1: Alright. Well, then you'll just send yeah. Just just\n\nChannel 0: Just\n\nChannel 1: send\n\nChannel 0: oh,\n\nChannel 1: it by email. I'll\n\nChannel 0: is\n\nChannel 1: print it print out\n\nChannel 0: that\n\nChannel 1: and sign it and whatnot.\n\nChannel 0: beautiful. And this needs to be witnessed as well. Just making sure Stephanie isn't one of the witnesses. So there's two people\n\nChannel 1: Okay.\n\nChannel 0: over the 18. It can be anyone except for her. Once\n\nChannel 1: Okay.\n\nChannel 0: that gets done, we'll we'll receive it back. We'll make sure it's applied there for you and confirm if there's any problems in the meantime just so we have everything under control and all those checks and balances completed for you. Okay?\n\nChannel 1: No worries. No worries.\n\nChannel 0: Excellent. The only other thing I've got here is that when we sort of caught up last year, you hadn't done a will or power of attorney. Is that something that you guys have talked about in the past? Or\n\nChannel 1: Not really. No.\n\nChannel 0: No. That's okay. It is definitely something to consider. Have a bit of a chat, work out what you want to do. Obviously, your super beneficiaries do cover your super and your life insurance side of things.\n\nHowever, it's everything outside of super that's also really important. So your house investments, your money, your cars, all that sorts of things. As an adviser, I have seen, unfortunately, in the past where someone's passed away, whilst most things are passed directly to your spouse, it still does have to go through a bit of a pro probate process. And it does mean that people from your past can come forward and make a claim. There's no guarantees they're gonna get anything, but they can make a claim, and that can cause a bit of a problem and make the process a little bit longer as well.\n\nChannel 1: Okay.\n\nChannel 0: So\n\nChannel 1: Yeah.\n\nChannel 0: if\n\nChannel 1: Well, that\n\nChannel 0: you guys\n\nChannel 1: I don't think\n\nChannel 0: do\n\nChannel 1: I\n\nChannel 0: get\n\nChannel 1: haven't\n\nChannel 0: a\n\nChannel 1: really\n\nChannel 0: pen,\n\nChannel 1: have to worry\n\nChannel 0: you\n\nChannel 1: about that that that coming\n\nChannel 0: feel pretty\n\nChannel 1: coming\n\nChannel 0: good.\n\nChannel 1: forth in my in my if in in in light\n\nChannel 0: Yeah.\n\nChannel 1: of my demise. But, yeah, I'll I'll, yeah, I'll I'll have a look at\n\nChannel 0: Yeah.\n\nChannel 1: doing a\n\nChannel 0: Yeah. Absolutely. You can get a simple will care from the post office. Last time I checked, they're about 30 odd\n\nChannel 1: or\n\nChannel 0: dollars. Alternatively, all the states and territories\n\nChannel 1: something. Yeah.\n\nChannel 0: do have local government offices like I hear in well, I'm in Queensland at the moment, but in New South Wales where I live, they do have, like, RMS, and they can put you in touch with doing a very simple will kit with a solicitor for as little as only, you know, 2 or $300.\n\nChannel 1: Yeah.\n\nChannel 0: Alternatively,\n\nChannel 1: Okay.\n\nChannel 0: doing a more complex drill through our local solicitor can be a little bit more expensive, but the complexity means that you get a lot more say in what you want done with your estate planning. But\n\nChannel 1: Yeah.\n\nChannel 0: then if you are just wanting something very simple, you can just go to, like, the post office, get a will kit. As long as it's filled out correctly and as per the instructions, then they do work and they can be valid. Okay.\n\nChannel 1: Okay. No worries.\n\nChannel 0: I see. Excellent. The only other thing to sort of note is having a look here, obviously, with your TBD, you withheld, there is a left knee exclusion. We did try to have a look because that was due to your ACL and the knee replacement. It's not a reviewable exclusion, but I just have to make sure you are aware.\n\nObviously, it's just in relation to your left knee.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: And with the life policy life and TPD with how they also had a 50% loading there due to your BMI. Can I just double check? Do you know what your height and weight is at the moment? Because I might be\n\nChannel 1: Yep.\n\nChannel 0: able to\n\nChannel 1: I\n\nChannel 0: have\n\nChannel 1: do.\n\nChannel 0: that reviewed.\n\nChannel 1: Yeah. Oh, well, yeah. I don't think it's gonna go positively for me. It's on a hundred hundred and ninety what was it? A hundred and ninety four centimeters tall and a hundred and\n\nChannel 0: Yep.\n\nChannel 1: forty kilo.\n\nChannel 0: Okay. It is a little bit on the higher side, so I wouldn't wanna review it yet. But if anything\n\nChannel 1: Yep.\n\nChannel 0: changes and the BMI comes down a little bit, let me know because I'll absolutely review it for you. But\n\nChannel 1: Yep.\n\nChannel 0: it is just, you know, making sure we can make those as cheap as possible. But, look, I'll touch\n\nChannel 1: Yeah.\n\nChannel 0: base with you down the track and talk about, you know, what happens when you get a job, what your occupation is. We can reassess the insurances. One of the biggest things with these insurances are they do get more expensive as you get older as the risk of you making a claim increases as well. And the more expensive\n\nChannel 1: Yes.\n\nChannel 0: these insurances get, the more it affects your super and and your retirement income because they are being paid out of your super. So I do wanna review these regularly with you, just making sure we can reduce the covers. Right now, we'll need to retain everything we have, and I'll make sure the advice reflects that for you. But we wanna review that down the track and just make sure we can keep altering them in line with your needs, making sure they're cost effective, providing you with the cover you you need in the event that of a claim, but also making sure it's not gonna eat away all your super as well. Okay.\n\nChannel 1: Okay.\n\nChannel 0: Easy. In that email there, you do have the ongoing service agreement for the next twelve months there. So being a client of ours and us providing advice and reviewing your circumstances, working towards your retirement goals, we do charge an ongoing service fee. It is 1.65% per annum. It is deducted out of your Hub twenty four super account on a monthly basis.\n\nWe do have that form there attached when you've got a chance if you can sign and return it back. It just allows us to continue providing our services, updating advice, and looking after things there for you. We\n\nChannel 1: No\n\nChannel 0: do\n\nChannel 1: worries.\n\nChannel 0: also have a tax file opt in form, so it's just really important to let you know we do hold your tax file number with just because we had to set up your super and your insurance policy, so that had to be provided at the time. But we just wanna make sure we're updating all of the documents, letting you know that's why we hold the information, and that tax file opt in form lets you know under what circumstances, how it's all looked after and held. We are very privacy conscious here. That's why we do security whenever you call us or we call you. Just making\n\nChannel 1: Yes.\n\nChannel 0: sure that we're protecting everything we hold on you. Everything is very personal information, so we don't want that getting to the wrong hands. So we're very security conscious here with regards to that. Okay?\n\nChannel 1: Okay. Alright.\n\nChannel 0: Excellent.\n\nChannel 1: Yeah.\n\nChannel 0: Look. I've touched on a lot, and I'm so sorry. You're having a very relaxing day. Is there any questions that have come out of any of that? Is there\n\nChannel 1: No.\n\nChannel 0: anything\n\nChannel 1: No.\n\nChannel 0: you think I've maybe missed or not touched\n\nChannel 1: No.\n\nChannel 0: on?\n\nChannel 1: I'm\n\nChannel 0: Or\n\nChannel 1: no. I'm all good. All good.\n\nChannel 0: easy. What I'll do now is I'll go back. I'll do some research around your portfolio, the super. I'll look at your long term goals. It'll be factoring no contributions at the moment because you're unemployed.\n\nSo just looking at, obviously, where we're tracking with the current circumstances we have, and I'm happy to update that down the track for you as well. I'll look at your both super funds, so the Australian super and hub twenty four, making sure everything's working and looking at what portfolios have, you know, have shown greater past performance to help you keep track of that. You\n\nChannel 1: Yep.\n\nChannel 0: are in that high growth environment, so that does kinda see about 90% of your super invested in those growth assets. So things like Australian shares, international shares, listed properties, and commodities. When you kinda figure on the risk scale of things, if you look at risk out of, say, one to five, five being the highest risk, one being no risk, or very, very low risk, You're sort\n\nChannel 1: Yep.\n\nChannel 0: of sitting in that fourth scenario there. The high growth environment does suit someone who's, you know, got at least eight years before accessing their super. They're happy to take on more risk now knowing that in the downtime, they're also gonna feel that. Do you feel that's fairly comfortable for where you're at? Did you wanna look at reviewing or reducing that risk level a bit, or you're\n\nChannel 1: No.\n\nChannel 0: happy\n\nChannel 1: I think\n\nChannel 0: to\n\nChannel 1: I think\n\nChannel 0: stick with\n\nChannel 1: I'll\n\nChannel 0: that?\n\nChannel 1: I'll think I'll be late. While while I still\n\nChannel 0: Yep.\n\nChannel 1: got a bit of fun up his sleeve. I'll just let\n\nChannel 0: Yep.\n\nChannel 1: it fire and see how it goes.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Absolutely. Yeah. Perfect. Well, that does sort of fit your time horizon with where you're at at the moment. It's more just\n\nChannel 1: Yep.\n\nChannel 0: about making sure that there are gonna be downtimes, and I'm happy that you've come out with a positive return this year. But this year, we did see a lot of volatility, unfortunately,\n\nChannel 1: Yeah.\n\nChannel 0: with the role\n\nChannel 1: Yeah.\n\nChannel 0: I have. I have had a lot of difficult conversations with him. I want to see really good returns, but this year's been completely out of our control, and the and the downtime have been quite consistent this year between\n\nChannel 1: Yeah.\n\nChannel 0: March and April. Admittedly, it was, you know, no more than a 3% drop, but that when you have a higher balance can feel quite drastic. So I just wanna sort of look at your portfolio, look at how it's working, try to maybe minimize fees where I possibly can. I'll keep a little bit active management in there for you as well and see what we can do to get it working a bit harder, and then just keep reviewing and updating it as we need to. Does that sound okay?\n\nDoes that do you\n\nChannel 1: Yes.\n\nChannel 0: have any\n\nChannel 1: That\n\nChannel 0: questions\n\nChannel 1: sounds\n\nChannel 0: out\n\nChannel 1: fine.\n\nChannel 0: of any of that?\n\nChannel 1: No.\n\nChannel 0: Yeah.\n\nChannel 1: No. That sounds fine.\n\nChannel 0: Beautiful. Okay. Well, I will let you go back to enjoying the rest of your day. Good luck with the job hunt. If anything comes up, let me know.\n\nIt takes probably about two to three weeks to complete the research for the advice document. Are you okay if I book in a time now, or did you want me to get one of the team to give you a call in a week or two to book in a time? What's easier for\n\nChannel 1: No.\n\nChannel 0: you?\n\nChannel 1: That's alright. Just just let's just book\n\nChannel 0: Yeah. Absolutely. So I'm looking at the week of the August 10. Is there a day, morning or afternoon that suits you\n\nChannel 1: it in\n\nChannel 0: best normally?\n\nChannel 1: now. After the afternoon would suit me\n\nChannel 0: Yep. Beautiful. And about\n\nChannel 1: best.\n\nChannel 0: this time, say, maybe\n\nChannel 1: Yeah.\n\nChannel 0: 02:00.\n\nChannel 1: About this time.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. I do have Monday, August 10 at 2PM available. If that's okay for you, we'll get\n\nChannel 1: Yep.\n\nChannel 0: it early\n\nChannel 1: Yes.\n\nChannel 0: in the week for you. Yep.\n\nChannel 1: Yep. Sounds good.\n\nChannel 0: Fantastic, Luke. That one is all booked in there for you. It is about three weeks away, so I will just add a little text message reminder. If anything does come up, just let me know. We can happily reschedule then.\n\nOtherwise, I'll give you a call at 02:00. We'll go through the updated advice document. I'll look I'll let you know what I'm recommending, how, why, how it's in your best interest, the advantages, disadvantages, risks involved, and then you get to take that away and have a really good read and decide what you're happy to take on board. Okay.\n\nChannel 1: No worries. Alright. Thank you very\n\nChannel 0: Easy.\n\nChannel 1: much.\n\nChannel 0: My pleasure. You enjoy your day. Thank you for\n\nChannel 1: Yeah.\n\nChannel 0: your time.\n\nChannel 1: I will do it. Catch you later.\n\nChannel 0: K.\n\nChannel 1: Bye bye.\n\nChannel 0: See you later. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.28,"end":1.78,"sentiment":"neutral","sentiment_score":0.02221459522843361}],"sentiment":"neutral","sentiment_score":0.02221459522843361,"channel":1,"num_words":1,"start":1.28,"end":1.78},{"sentences":[{"text":"Hi, Luke.","start":2.6399999,"end":3.12,"sentiment":"neutral","sentiment_score":0.09174156934022903},{"text":"It's Dana from Oakey Financial.","start":3.12,"end":4.64,"sentiment":"neutral","sentiment_score":0.14272602498531342},{"text":"How are you this afternoon?","start":4.64,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.1719542682170868}],"sentiment":"neutral","sentiment_score":0.14640705039103827,"channel":0,"num_words":12,"start":2.6399999,"end":5.7799997},{"sentences":[{"text":"Good.","start":6.48,"end":6.7999997,"sentiment":"positive","sentiment_score":0.5105397701263428},{"text":"Thank 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relaxing.","start":17.205,"end":17.945,"sentiment":"neutral","sentiment_score":0.23084263503551483}],"sentiment":"neutral","sentiment_score":0.23084263503551483,"channel":1,"num_words":2,"start":17.205,"end":17.945},{"sentences":[{"text":"Oh,","start":18.545,"end":18.865,"sentiment":"neutral","sentiment_score":0.19320735335350037}],"sentiment":"neutral","sentiment_score":0.19320735335350037,"channel":0,"num_words":1,"start":18.545,"end":18.865},{"sentences":[{"text":"Quiet.","start":18.645,"end":19.145,"sentiment":"neutral","sentiment_score":0.3166276216506958}],"sentiment":"neutral","sentiment_score":0.3166276216506958,"channel":1,"num_words":1,"start":18.645,"end":19.145},{"sentences":[{"text":"that's good.","start":18.865,"end":19.665,"sentiment":"positive","sentiment_score":0.461622416973114},{"text":"That's 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good.","start":24.724998,"end":25.705,"sentiment":"positive","sentiment_score":0.4291519224643707}],"sentiment":"positive","sentiment_score":0.4291519224643707,"channel":1,"num_words":3,"start":24.724998,"end":25.705},{"sentences":[{"text":"Lucas, before we jump into the call, I do have to let you know we do record our calls for quality and training purposes.","start":26.029999,"end":30.67,"sentiment":"neutral","sentiment_score":0.07655252547313769},{"text":"Are you happy for us to proceed with that?","start":30.67,"end":32.61,"sentiment":"neutral","sentiment_score":0.14292638500531515}],"sentiment":"neutral","sentiment_score":0.09465448716373155,"channel":0,"num_words":33,"start":26.029999,"end":32.61},{"sentences":[{"text":"Yep.","start":33.3,"end":33.8,"sentiment":"neutral","sentiment_score":0.15832875669002533}],"sentiment":"neutral","sentiment_score":0.15832875669002533,"channel":1,"num_words":1,"start":33.3,"end":33.8},{"sentences":[{"text":"Fantastic.","start":34.03,"end":34.53,"sentiment":"positive","sentiment_score":0.38352182507514954},{"text":"And just to do a quick security check there with you as well just to confirm your full name, your date of birth, and address I should have on file.","start":34.67,"end":40.61,"sentiment":"neutral","sentiment_score":0.17786234468221665}],"sentiment":"neutral","sentiment_score":0.18449652146908543,"channel":0,"num_words":31,"start":34.03,"end":40.61},{"sentences":[{"text":"Luke Matthew Holman.","start":41.54,"end":42.739998,"sentiment":"neutral","sentiment_score":0.021389533455173176},{"text":"Twenty 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Street, New Norfolk.","start":45.035,"end":46.415,"sentiment":"neutral","sentiment_score":0.03638667706400156}],"sentiment":"neutral","sentiment_score":0.03638667706400156,"channel":1,"num_words":4,"start":45.035,"end":46.415},{"sentences":[{"text":"Beautiful.","start":46.934998,"end":47.434998,"sentiment":"positive","sentiment_score":0.38389813899993896},{"text":"Thank you so much for that.","start":47.495,"end":48.954998,"sentiment":"positive","sentiment_score":0.4896361132462819},{"text":"Luke, as part of your annual review, I do send through some compliance documents to you, which does have, some of the documents that I'll go through and explain to you today.","start":49.175,"end":56.475,"sentiment":"neutral","sentiment_score":0.1523957687895745},{"text":"Are you able to jump into your emails and grab a hold of that?","start":56.829998,"end":59.55,"sentiment":"neutral","sentiment_score":0.04408321263534682},{"text":"If not, that's okay.","start":59.55,"end":60.769997,"sentiment":"neutral","sentiment_score":-0.04997640009969473}],"sentiment":"neutral","sentiment_score":0.15115155782877354,"channel":0,"num_words":57,"start":46.934998,"end":60.769997},{"sentences":[{"text":"Yeah.","start":61.690002,"end":62.010002,"sentiment":"neutral","sentiment_score":-0.011576668359339235},{"text":"I'm on my I'm on my phone at the moment, so I can I can","start":62.010002,"end":64.65,"sentiment":"neutral","sentiment_score":-0.015527573848764102}],"sentiment":"neutral","sentiment_score":-0.015280642255675048,"channel":1,"num_words":16,"start":61.690002,"end":64.65},{"sentences":[{"text":"Oh,","start":64.43,"end":64.93,"sentiment":"neutral","sentiment_score":-0.03149798512458801}],"sentiment":"neutral","sentiment_score":-0.03149798512458801,"channel":0,"num_words":1,"start":64.43,"end":64.93},{"sentences":[{"text":"grab it out 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call?","start":84.65,"end":89.53,"sentiment":"neutral","sentiment_score":0.06967207755554806},{"text":"Or","start":89.53,"end":90.03,"sentiment":"neutral","sentiment_score":-0.02672315016388893}],"sentiment":"neutral","sentiment_score":0.08284597272334034,"channel":0,"num_words":73,"start":73.005005,"end":90.03},{"sentences":[{"text":"No.","start":89.97,"end":90.21,"sentiment":"neutral","sentiment_score":-0.10499392449855804},{"text":"No.","start":90.21,"end":90.69,"sentiment":"neutral","sentiment_score":-0.11091169714927672},{"text":"Not really.","start":90.69,"end":91.35,"sentiment":"neutral","sentiment_score":-0.10813190042972565}],"sentiment":"neutral","sentiment_score":-0.10804235562682152,"channel":1,"num_words":4,"start":89.97,"end":91.35},{"sentences":[{"text":"no.","start":92.01,"end":92.25,"sentiment":"neutral","sentiment_score":-0.10365315526723862},{"text":"That's okay.","start":92.25,"end":92.97,"sentiment":"neutral","sentiment_score":-0.03495563007891178},{"text":"Do you have a look at your super very often?","start":92.97,"end":95.07,"sentiment":"neutral","sentiment_score":-0.013347687292844057}],"sentiment":"neutral","sentiment_score":-0.023618560642577134,"channel":0,"num_words":13,"start":92.01,"end":95.07},{"sentences":[{"text":"No.","start":95.81,"end":96.05,"sentiment":"neutral","sentiment_score":-0.034431956708431244},{"text":"I don't, honestly.","start":96.05,"end":96.855,"sentiment":"negative","sentiment_score":-0.3516434629758199}],"sentiment":"neutral","sentiment_score":-0.27234058640897274,"channel":1,"num_words":4,"start":95.81,"end":96.855},{"sentences":[{"text":"No.","start":97.545,"end":97.865,"sentiment":"negative","sentiment_score":-0.3634008765220642},{"text":"That's okay.","start":97.865,"end":98.505,"sentiment":"neutral","sentiment_score":-0.0442439541220665},{"text":"That's honestly fine.","start":98.505,"end":99.465,"sentiment":"neutral","sentiment_score":0.30836816628774005},{"text":"Sometimes it's the best way.","start":99.465,"end":100.585,"sentiment":"positive","sentiment_score":0.39700889587402344},{"text":"You're still young.","start":100.585,"end":101.225,"sentiment":"neutral","sentiment_score":0.12369728585084279}],"sentiment":"neutral","sentiment_score":0.20209657507283346,"channel":0,"num_words":14,"start":97.545,"end":101.225},{"sentences":[{"text":"You've got a lot of time ahead of you.","start":101.225,"end":102.585,"sentiment":"neutral","sentiment_score":0.09572221587101619},{"text":"It's you know, what happens in the next twenty years is important, not so much today.","start":102.585,"end":106.604996,"sentiment":"neutral","sentiment_score":-0.05994326900690794}],"sentiment":"neutral","sentiment_score":-0.003903694450855255,"channel":0,"num_words":25,"start":101.225,"end":106.604996},{"sentences":[{"text":"Yep.","start":107.095,"end":107.595,"sentiment":"neutral","sentiment_score":0.09977541863918304}],"sentiment":"neutral","sentiment_score":0.09977541863918304,"channel":1,"num_words":1,"start":107.095,"end":107.595},{"sentences":[{"text":"No.","start":108.744995,"end":108.985,"sentiment":"neutral","sentiment_score":0.024239040911197662},{"text":"All good, Luke.","start":108.985,"end":109.95,"sentiment":"neutral","sentiment_score":0.269953986008962},{"text":"We're essentially having a bit of a look back to give you an update on your super balance.","start":110.189995,"end":113.81,"sentiment":"neutral","sentiment_score":0.16179434789551628},{"text":"When we sort of touched base and did your annual review last year, your balance number was a 121,001 and 176 in Hub twenty four.","start":113.95,"end":121.57,"sentiment":"neutral","sentiment_score":0.10713968187570572},{"text":"Your","start":121.95,"end":122.189995,"sentiment":"neutral","sentiment_score":0.15217341482639313}],"sentiment":"neutral","sentiment_score":0.1370221817245086,"channel":0,"num_words":48,"start":108.744995,"end":122.189995},{"sentences":[{"text":"Yep.","start":121.990005,"end":122.490005,"sentiment":"neutral","sentiment_score":0.12486126273870468}],"sentiment":"neutral","sentiment_score":0.12486126273870468,"channel":1,"num_words":1,"start":121.990005,"end":122.490005},{"sentences":[{"text":"balance in Hub twenty four as of today's date, so yesterday's date is a 125,323 and 15¢ there.","start":122.189995,"end":130.11499,"sentiment":"neutral","sentiment_score":0.12707213794483857},{"text":"So we have had an increase.","start":130.11499,"end":131.735,"sentiment":"neutral","sentiment_score":0.3030449127157529},{"text":"Admittedly, all your contributions do go into Australian Super, not so much hub twenty four.","start":132.035,"end":136.755,"sentiment":"neutral","sentiment_score":0.15405060698588688},{"text":"So, essentially, it is what the portfolio has been doing on its own.","start":136.755,"end":140.295,"sentiment":"neutral","sentiment_score":0.2049373067342318},{"text":"In Australian","start":140.86,"end":141.58,"sentiment":"neutral","sentiment_score":0.2590089440345764}],"sentiment":"neutral","sentiment_score":0.1787067509765895,"channel":0,"num_words":54,"start":122.189995,"end":141.58},{"sentences":[{"text":"Yep.","start":141.14,"end":141.64,"sentiment":"neutral","sentiment_score":0.22839783132076263}],"sentiment":"neutral","sentiment_score":0.22839783132076263,"channel":1,"num_words":1,"start":141.14,"end":141.64},{"sentences":[{"text":"Super, the current balance last year when we touched base was 19,057, and your balance now is 37,420.","start":141.58,"end":149.98001,"sentiment":"neutral","sentiment_score":0.2332864147093561},{"text":"So that's increased quite considerably there as well.","start":149.98001,"end":153.6,"sentiment":"positive","sentiment_score":0.3572782762348652},{"text":"When we have","start":153.835,"end":154.275,"sentiment":"neutral","sentiment_score":0.1707220822572708}],"sentiment":"neutral","sentiment_score":0.2610188938420394,"channel":0,"num_words":29,"start":141.58,"end":154.275},{"sentences":[{"text":"Yep.","start":154.20499,"end":154.70499,"sentiment":"neutral","sentiment_score":0.1406894475221634}],"sentiment":"neutral","sentiment_score":0.1406894475221634,"channel":1,"num_words":1,"start":154.20499,"end":154.70499},{"sentences":[{"text":"a look at the super, the performance, and how it is essentially going, majority of your portfolio has been performing quite well.","start":154.275,"end":162.795,"sentiment":"neutral","sentiment_score":0.21839067001234402},{"text":"I can see a couple of investments that are slightly underperforming a little bit, and I know your portfolio was kinda updated early twenty twenty five to one of the newer portfolios.","start":162.795,"end":173.0,"sentiment":"neutral","sentiment_score":-0.17897414090111852},{"text":"Looking at","start":173.62,"end":174.09999,"sentiment":"neutral","sentiment_score":-0.06187226250767708}],"sentiment":"neutral","sentiment_score":-0.0186843266710639,"channel":0,"num_words":56,"start":154.275,"end":174.09999},{"sentences":[{"text":"Yep.","start":173.97,"end":174.47,"sentiment":"neutral","sentiment_score":-0.015709083527326584}],"sentiment":"neutral","sentiment_score":-0.015709083527326584,"channel":1,"num_words":1,"start":173.97,"end":174.47},{"sentences":[{"text":"sort of how that's performed from there, I would like to sort of see a little bit more of an increase.","start":174.09999,"end":178.36,"sentiment":"neutral","sentiment_score":0.0005458585385765348},{"text":"There are two investments I would probably look to maybe remove out of there if you're comfortable with me updating the advice for you.","start":179.3,"end":186.13501,"sentiment":"neutral","sentiment_score":-0.01801114995032549},{"text":"But as a whole, the total earnings and the income that's been generated within Hub twenty four over the past twelve months, you've made over $7,483.","start":186.595,"end":195.71501,"sentiment":"neutral","sentiment_score":0.1602049022912979},{"text":"So it's a bit lower 4% return for the year net of fees.","start":195.71501,"end":199.24,"sentiment":"neutral","sentiment_score":0.11623777277194537},{"text":"When you kinda look at the sort of portfolio you're in, you were in that high growth environment.","start":199.62001,"end":204.36,"sentiment":"neutral","sentiment_score":-0.0014217346906661987}],"sentiment":"neutral","sentiment_score":0.0512747324674445,"channel":0,"num_words":102,"start":174.09999,"end":204.36},{"sentences":[{"text":"So you're sort of wanting to take a more risk trying to obtain greater potential returns.","start":204.42001,"end":208.6,"sentiment":"neutral","sentiment_score":-0.0826947009190917}],"sentiment":"neutral","sentiment_score":-0.0826947009190917,"channel":0,"num_words":16,"start":204.42001,"end":208.6},{"sentences":[{"text":"Yep.","start":209.095,"end":209.595,"sentiment":"neutral","sentiment_score":-0.02290317416191101}],"sentiment":"neutral","sentiment_score":-0.02290317416191101,"channel":1,"num_words":1,"start":209.095,"end":209.595},{"sentences":[{"text":"But it also does mean in market volatility and downtimes, and this year has definitely been in a very up and down sort of time within the market and globally.","start":209.22,"end":217.775,"sentiment":"neutral","sentiment_score":-0.22235452011227608},{"text":"It does mean that you are gonna see lower returns, and that will be reflecting your portfolio there as 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questions?","start":260.97998,"end":262.34,"sentiment":"neutral","sentiment_score":0.061785914748907086},{"text":"Did you","start":262.34,"end":263.08,"sentiment":"neutral","sentiment_score":0.012966579291969538}],"sentiment":"neutral","sentiment_score":0.1793859173388531,"channel":0,"num_words":12,"start":259.62,"end":263.08},{"sentences":[{"text":"Oh, not really.","start":264.98502,"end":265.885,"sentiment":"neutral","sentiment_score":-0.003482770329962174},{"text":"Not really.","start":265.945,"end":266.58502,"sentiment":"neutral","sentiment_score":-0.03357910457998514},{"text":"So, yeah, so the the hub twenty four account, it's it's only going up by this twelve months, only by $7,000.","start":266.58502,"end":275.08502,"sentiment":"neutral","sentiment_score":0.0020113764330744743}],"sentiment":"neutral","sentiment_score":-0.0013602928867420326,"channel":1,"num_words":26,"start":264.98502,"end":275.08502},{"sentences":[{"text":"yeah.","start":275.755,"end":276.255,"sentiment":"neutral","sentiment_score":0.002970603294670582}],"sentiment":"neutral","sentiment_score":0.002970603294670582,"channel":0,"num_words":1,"start":275.755,"end":276.255},{"sentences":[{"text":"And the the Oz Super one, what was that?","start":275.81,"end":278.53,"sentiment":"neutral","sentiment_score":0.007547965066300498},{"text":"Went from what was it?","start":278.53,"end":280.07,"sentiment":"neutral","sentiment_score":-0.010852116905152798},{"text":"'25 to 3034 or something like that, wasn't it?","start":280.21,"end":283.27,"sentiment":"neutral","sentiment_score":-0.007662364514544606}],"sentiment":"neutral","sentiment_score":-0.0024039208504330854,"channel":1,"num_words":23,"start":275.81,"end":283.27},{"sentences":[{"text":"We've we've gone from 19,000 to about 37%, which is majority of that's your contributions.","start":282.77,"end":288.07,"sentiment":"neutral","sentiment_score":0.010868608268598716},{"text":"Yeah.","start":288.61002,"end":289.11002,"sentiment":"neutral","sentiment_score":0.02498113363981247}],"sentiment":"neutral","sentiment_score":0.011750641104299575,"channel":0,"num_words":16,"start":282.77,"end":289.11002},{"sentences":[{"text":"Okay.","start":290.33502,"end":290.73502,"sentiment":"neutral","sentiment_score":0.030164362862706184},{"text":"Yep.","start":290.73502,"end":290.975,"sentiment":"neutral","sentiment_score":0.030478252097964287},{"text":"Right here.","start":290.975,"end":291.71503,"sentiment":"neutral","sentiment_score":0.023090957663953304}],"sentiment":"neutral","sentiment_score":0.02670613257214427,"channel":1,"num_words":4,"start":290.33502,"end":291.71503},{"sentences":[{"text":"Yeah.","start":292.07498,"end":292.57498,"sentiment":"neutral","sentiment_score":0.009280279278755188},{"text":"No.","start":292.715,"end":292.955,"sentiment":"neutral","sentiment_score":-0.016412993893027306},{"text":"That's okay.","start":292.955,"end":293.775,"sentiment":"neutral","sentiment_score":0.005968789104372262},{"text":"What I would like to do I know one of the things having a look at it I know last year when you spoke to my colleague, we did provide a bit of an update on the investment portfolio.","start":294.315,"end":302.655,"sentiment":"neutral","sentiment_score":0.024184583089290522},{"text":"Having a look at the individual investments, you do have one of those investors that's been along Australian equities.","start":303.6,"end":309.3,"sentiment":"neutral","sentiment_score":0.012808466330170631}],"sentiment":"neutral","sentiment_score":0.019215555876613624,"channel":0,"num_words":62,"start":292.07498,"end":309.3},{"sentences":[{"text":"That investment specifically has underperformed a little bit within your portfolio there.","start":309.84,"end":314.34,"sentiment":"neutral","sentiment_score":-0.013932123004148403},{"text":"Normally, we would sort of not wanna be, you know, taking an investment out or cementing a a loss or a downtime with an investment.","start":315.04,"end":322.375,"sentiment":"neutral","sentiment_score":-0.10635107144713402},{"text":"But, unfortunately, the issues have been along are kind of in the underlying investments itself.","start":323.07498,"end":327.655,"sentiment":"neutral","sentiment_score":-0.20531964699427288},{"text":"So when you kinda look at the Australian market, it actually is up at the 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but","start":1534.58,"end":1537.48,"sentiment":"neutral","sentiment_score":0.04254670705025395}],"sentiment":"neutral","sentiment_score":0.04254670705025395,"channel":1,"num_words":12,"start":1534.58,"end":1537.48},{"sentences":[{"text":"Yep.","start":1537.61,"end":1538.11,"sentiment":"neutral","sentiment_score":0.09221477806568146}],"sentiment":"neutral","sentiment_score":0.09221477806568146,"channel":0,"num_words":1,"start":1537.61,"end":1538.11},{"sentences":[{"text":"the way the the way things are, I'm I'm still realistic.","start":1538.34,"end":1541.24,"sentiment":"neutral","sentiment_score":0.10358854180032556},{"text":"I think I'll be I'll still probably be working until until that retirement age of about 67 or so.","start":1541.3,"end":1546.995,"sentiment":"neutral","sentiment_score":0.053482071349495335}],"sentiment":"neutral","sentiment_score":0.07185444384813308,"channel":1,"num_words":30,"start":1538.34,"end":1546.995},{"sentences":[{"text":"Well, I can give you some good news because you actually don't have to work that long if you don't want to.","start":1547.465,"end":1551.76,"sentiment":"neutral","sentiment_score":0.3245289142836224},{"text":"Under the current legislation, you can fully retire and access your super at the age of 60.","start":1551.76,"end":1556.1,"sentiment":"neutral","sentiment_score":0.23889351855306065},{"text":"So","start":1556.48,"end":1556.98,"sentiment":"neutral","sentiment_score":0.2603861689567566}],"sentiment":"neutral","sentiment_score":0.28653030246496203,"channel":0,"num_words":40,"start":1547.465,"end":1556.98},{"sentences":[{"text":"Yep.","start":1556.755,"end":1557.255,"sentiment":"neutral","sentiment_score":0.28788673877716064}],"sentiment":"neutral","sentiment_score":0.28788673877716064,"channel":1,"num_words":1,"start":1556.755,"end":1557.255},{"sentences":[{"text":"you can choose to retire at 60 onwards and access your super a 100% tax 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consolidate everything, have everything in one place, and","start":1584.42,"end":1591.485,"sentiment":"neutral","sentiment_score":0.25035987675189975}],"sentiment":"neutral","sentiment_score":0.32021689342875637,"channel":0,"num_words":62,"start":1574.085,"end":1591.485},{"sentences":[{"text":"Yeah.","start":1591.45,"end":1591.95,"sentiment":"neutral","sentiment_score":0.07968568056821823}],"sentiment":"neutral","sentiment_score":0.07968568056821823,"channel":1,"num_words":1,"start":1591.45,"end":1591.95},{"sentences":[{"text":"then just drill down what you need from, say, hub twenty four or wherever your super is located to offset the military pension and look at, obviously, the long term effect and make it last as long as possible, which would be fantastic for you.","start":1591.485,"end":1603.8251,"sentiment":"neutral","sentiment_score":0.2786477075682746},{"text":"If","start":1604.3099,"end":1604.39,"sentiment":"neutral","sentiment_score":0.19338367879390717}],"sentiment":"neutral","sentiment_score":0.27679414172535355,"channel":0,"num_words":46,"start":1591.485,"end":1604.39},{"sentences":[{"text":"Yep.","start":1604.315,"end":1604.815,"sentiment":"neutral","sentiment_score":0.13232678174972534}],"sentiment":"neutral","sentiment_score":0.13232678174972534,"channel":1,"num_words":1,"start":1604.315,"end":1604.815},{"sentences":[{"text":"you are wanting to look at retiring before the age of 50, Military Super continues to pay out a pension, but we just have to look at a way to be able to supplement that with investments outside of super.","start":1604.39,"end":1614.8099,"sentiment":"neutral","sentiment_score":0.11531251836568117},{"text":"I know you're a bit a bit over the property aspect, but there are other ways to to build wealth outside","start":1614.87,"end":1620.105,"sentiment":"neutral","sentiment_score":0.1025931104308083}],"sentiment":"neutral","sentiment_score":0.11093370579793806,"channel":0,"num_words":61,"start":1604.39,"end":1620.105},{"sentences":[{"text":"Yes.","start":1619.93,"end":1620.43,"sentiment":"neutral","sentiment_score":0.11391527205705644}],"sentiment":"neutral","sentiment_score":0.11391527205705644,"channel":1,"num_words":1,"start":1619.93,"end":1620.43},{"sentences":[{"text":"of super investments and things that can have tax advantages for you down the track as well.","start":1620.105,"end":1624.505,"sentiment":"neutral","sentiment_score":0.271165751359042},{"text":"So I do a lot of that kind of advice to support you sort of after.","start":1624.505,"end":1628.6849,"sentiment":"neutral","sentiment_score":0.2987016746774316},{"text":"Come and have that chat with me.","start":1628.825,"end":1630.0499,"sentiment":"positive","sentiment_score":0.44397533791405813},{"text":"Happy to go through what your goals are, what you're looking for, project out, and work out a plan to help you meet that goal.","start":1630.0499,"end":1636.0499,"sentiment":"positive","sentiment_score":0.6615843081474304},{"text":"Okay.","start":1636.0499,"end":1636.5499,"sentiment":"neutral","sentiment_score":0.18562209606170657}],"sentiment":"positive","sentiment_score":0.4427591171680075,"channel":0,"num_words":66,"start":1620.105,"end":1636.5499},{"sentences":[{"text":"No worries.","start":1636.505,"end":1637.37,"sentiment":"neutral","sentiment_score":0.22153553366661072},{"text":"No 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or not 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all good.","start":2208.095,"end":2208.895,"sentiment":"neutral","sentiment_score":0.05006393790245056},{"text":"All good.","start":2208.895,"end":2209.635,"sentiment":"positive","sentiment_score":0.6288332939147949}],"sentiment":"neutral","sentiment_score":0.2070988342165947,"channel":1,"num_words":6,"start":2207.935,"end":2209.635},{"sentences":[{"text":"easy.","start":2210.05,"end":2210.45,"sentiment":"positive","sentiment_score":0.48013603687286377},{"text":"What I'll do now is I'll go back.","start":2210.45,"end":2212.31,"sentiment":"neutral","sentiment_score":0.1611182438209653},{"text":"I'll do some research around your portfolio, the super.","start":2212.37,"end":2214.93,"sentiment":"neutral","sentiment_score":0.192452535033226},{"text":"I'll look at your long term goals.","start":2214.93,"end":2216.415,"sentiment":"neutral","sentiment_score":0.14651550139699662},{"text":"It'll be factoring no contributions at the moment because you're 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for","start":2426.5688,"end":2427.0488,"sentiment":"positive","sentiment_score":0.7084203163782755}],"sentiment":"positive","sentiment_score":0.7819671498404609,"channel":0,"num_words":9,"start":2425.0488,"end":2427.0488},{"sentences":[{"text":"Yeah.","start":2426.925,"end":2427.2449,"sentiment":"positive","sentiment_score":0.4070192575454712}],"sentiment":"positive","sentiment_score":0.4070192575454712,"channel":1,"num_words":1,"start":2426.925,"end":2427.2449},{"sentences":[{"text":"your time.","start":2427.0488,"end":2427.629,"sentiment":"positive","sentiment_score":0.6158917546272278}],"sentiment":"positive","sentiment_score":0.6158917546272278,"channel":0,"num_words":2,"start":2427.0488,"end":2427.629},{"sentences":[{"text":"I will do it.","start":2427.2449,"end":2427.9648,"sentiment":"positive","sentiment_score":0.5332495272159576},{"text":"Catch you later.","start":2427.9648,"end":2428.605,"sentiment":"positive","sentiment_score":0.4334380328655243}],"sentiment":"positive","sentiment_score":0.49047317249434336,"channel":1,"num_words":7,"start":2427.2449,"end":2428.605},{"sentences":[{"text":"K.","start":2428.4888,"end":2428.9888,"sentiment":"neutral","sentiment_score":0.09754496812820436}],"sentiment":"neutral","sentiment_score":0.09754496812820436,"channel":0,"num_words":1,"start":2428.4888,"end":2428.9888},{"sentences":[{"text":"Bye bye.","start":2428.605,"end":2429.265,"sentiment":"neutral","sentiment_score":0.18586505949497223}],"sentiment":"neutral","sentiment_score":0.18586505949497223,"channel":1,"num_words":2,"start":2428.605,"end":2429.265},{"sentences":[{"text":"See you later.","start":2429.0488,"end":2429.609,"sentiment":"neutral","sentiment_score":0.2955177426338196},{"text":"Bye.","start":2429.609,"end":2430.109,"sentiment":"neutral","sentiment_score":0.14783875644207}],"sentiment":"neutral","sentiment_score":0.2585979960858822,"channel":0,"num_words":4,"start":2429.0488,"end":2430.109},{"sentences":[{"text":"Bye.","start":2430.4448,"end":2430.9448,"sentiment":"neutral","sentiment_score":-0.11968030780553818}],"sentiment":"neutral","sentiment_score":-0.11968030780553818,"channel":1,"num_words":1,"start":2430.4448,"end":2430.9448}]},"summary":{"result":"success","short":"During a call with Oakey Financial, the representative discusses the customer's investment portfolio and emphasizes the importance of updating the portfolio and removing a member from it. They also discuss retirement plans and the customer's estate planning and property value. The speaker provides advice on reducing risk levels and scheduling a follow-up call for updating the client's portfolio and provides guidance on risk management. They emphasize the importance of maintaining a military retirement and reducing risk levels for the customer."},"intents":{"segments":[{"text":"We're essentially having a bit of a look back to give you an update on your super balance. When we sort of touched base and did your annual review last year, your balance number was a 121,001 and 176 in Hub twenty four.","start_word":409,"end_word":451,"intents":[{"intent":"Update portfolio balance","confidence_score":0.0530095}]},{"text":"is lower than I would like, but I am glad you have come out with a positive return after the last twelve months as well. Okay? Yep.","start_word":861,"end_word":887,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.30180898}]},{"text":"So are you comfortable with me going back just reviewing those two investments, maybe restructuring your portfolio and seeing if we can make it work a little bit harder for you? Yeah.","start_word":1222,"end_word":1253,"intents":[{"intent":"Update portfolio","confidence_score":0.41000998}]},{"text":"Now the one thing I sort of wanted to talk to you about was how you sort of like to see your investment structured.","start_word":1468,"end_word":1491,"intents":[{"intent":"Explain investment structure","confidence_score":0.0077598495},{"intent":"Discuss investing strategies","confidence_score":0.07035691},{"intent":"Discuss portfolio structure","confidence_score":0.0041225567},{"intent":"Discuss investment architecture","confidence_score":0.00039506573},{"intent":"Explain investment strategy","confidence_score":0.009922473},{"intent":"Discuss investing strategies","confidence_score":0.0353376},{"intent":"Discuss investment strategy and strategy","confidence_score":0.000007693953},{"intent":"Discuss investment strategies","confidence_score":0.05648299},{"intent":"Discuss investment strategies","confidence_score":0.045938805},{"intent":"Discuss investment strategies","confidence_score":0.042525243}]},{"text":"There are sort of two types of ways of investing within your portfolio. You can have active managers very similar to. They are trying to buy and sell in a way that outperform against the market or the benchmark that they're trying to, you know, work against. Yep.","start_word":1576,"end_word":1623,"intents":[{"intent":"Introduce portfolio types","confidence_score":0.000028614308}]},{"text":"Did you want me to still go back If, and remove Ben along and see if I can replace it with something else for you, or did you yeah, wanna if just you if you if you yeah. believe that there's there's there's room room there for improvement, then we'll Absolutely.","start_word":1790,"end_word":1840,"intents":[{"intent":"Express desire to improve","confidence_score":0.00003565598}]},{"text":"And with the underlying issues, it is best to remove that from the portfolio now.","start_word":1992,"end_word":2006,"intents":[{"intent":"Reevaluate portfolio","confidence_score":0.00037863234}]},{"text":"Essentially, what to kinda give you a bit more clarity, Bennelong have what's an investment called Corporate Traveler. Corporate Traveler have just recently come out to the market, noting that they were dishonest to investors. That meant that Corporate Traveler had to be invest had to be reevaluated as part of the Van Along portfolio.","start_word":2007,"end_word":2061,"intents":[{"intent":"Discuss investment options","confidence_score":0.00043805788}]},{"text":"Now having a look at your file as well, you've got the Australian Super account there. Contributions should still be going to Australian Super. We do wanna retain that for a little bit longer.","start_word":2505,"end_word":2538,"intents":[{"intent":"Retain funds","confidence_score":0.0013478615}]},{"text":"The TBD is kind of where the important side of things comes into play. So with TBD, you've got the same level within the. It's the 1,200,000. The main sort of difference is is what's called an ADL definition. I know my colleague Kyle last year explained what ADL definition for TBD is. Do you remember going through that with him? Sorry.","start_word":2643,"end_word":2704,"intents":[{"intent":"Clarify definition of tbd","confidence_score":0.0076580374},{"intent":"Discuss tbd definition","confidence_score":0.24424414},{"intent":"Clarify tbd definition","confidence_score":0.04875857}]},{"text":"I'd I'd I'd disagree disagreement on safety Yeah.","start_word":2832,"end_word":2839,"intents":[{"intent":"Dispute disagreement on safety","confidence_score":0.0033194297}]},{"text":"So as I kinda mentioned, you've got the ADL definition of TPD with. However, the TPD, the total permanent disability you have in Australian super, isn't any occupation definition, which is much easier to claim on.","start_word":2944,"end_word":2979,"intents":[{"intent":"Clarify definition","confidence_score":0.024345674}]},{"text":"I'd Okay. be wanting to try and keep that for you. And Yeah. then just Yeah. the towel Every policy every that remember every phone call I've had had with Yeah. with OPU has been advised to keep that. Let let Absolutely.","start_word":3118,"end_word":3159,"intents":[{"intent":"Keep policy","confidence_score":0.12300975}]},{"text":"I think one of the big things if we looked to essentially cancel that TPD definition, it would mean that in order for you to claim on permanent incapacity, you would have to meet that activity to daily living Yeah.","start_word":3164,"end_word":3203,"intents":[{"intent":"Cancel tpd definition","confidence_score":0.35805017}]},{"text":"Very much a difficult definition to claim on there. So at least Yep. with having the the 34,000 of TBD within Australian Super there in the event of you being incapacitated, we can also claim permanent incapacity against your super, both hub 24 and Australian Super.","start_word":3252,"end_word":3297,"intents":[{"intent":"Claim incapacity","confidence_score":0.15558474}]},{"text":"The only sort of difference is they may they have what's called the different invalidity. Like, they have, like, a section, so they have a, b, c. They kind of every so often might come back and reevaluate you, but your invalidity a, which essentially covers you gives you the most coverage at the moment So long Yes.","start_word":3425,"end_word":3482,"intents":[{"intent":"Dispute incapacity coverage","confidence_score":0.000001342919}]},{"text":"It's a bit of a a new established sort of, you know, base statement of advice, tracking it where we're heading for moving over the next ten years, and then we can kind of keep tracking it forward and updating it as we need to moving forward. Does Yep.","start_word":3807,"end_word":3855,"intents":[{"intent":"Consolidate definitions and recommendations","confidence_score":0.000811613}]},{"text":"So you do have within Australian Super the income protection benefit. But whilst you're not physically working or unemployed, you can't kinda claim one at the moment. But are you actively looking for work, or what's your plan Yeah.","start_word":3993,"end_word":4031,"intents":[{"intent":"Look for work","confidence_score":0.006648152}]},{"text":"So at the moment, you've got the income protection based benefit, monthly benefit of $3,100 in the event of not being able to go to work in the short term when you're getting back into the employment side of things. That benefit can be claimed if you're injured or ill on a short term basis.","start_word":4051,"end_word":4105,"intents":[{"intent":"Seek clarification on benefit eligibility","confidence_score":0.0000020540624}]},{"text":"But with that, we can kind of come back when you've got a job, when you've got your income, and look at whether that's appropriate for you or not. We Yeah.","start_word":4107,"end_word":4137,"intents":[{"intent":"Understand application process","confidence_score":0.00006883541}]},{"text":"How much are you selling it for? I was hoping to get between $6.70 and $6.90.","start_word":4818,"end_word":4833,"intents":[{"intent":"Determine property price","confidence_score":0.0058627515}]},{"text":"And you still have a mortgage on that property as well? You did Yeah.","start_word":4837,"end_word":4850,"intents":[{"intent":"Inquire about mortgage","confidence_score":0.02838682}]},{"text":"interest rate hikes haven't helped us in any way, shape, or form, No. have they?","start_word":4983,"end_word":4997,"intents":[{"intent":"Ask about interest rate hikes","confidence_score":0.0048252153}]},{"text":"think about retirement goals, are you sort of hoping to be able to access super and retire at age 60 or beforehand, or what's kind of your hope I for retirement?","start_word":5200,"end_word":5230,"intents":[{"intent":"Clarify retirement goals","confidence_score":0.12036984}]},{"text":"you are wanting to look at retiring before the age of 50, Military Super continues to pay out a pension, but we just have to look at a way to be able to supplement that with investments outside of super.","start_word":5477,"end_word":5516,"intents":[{"intent":"Align retirement plans","confidence_score":0.000021142683},{"intent":"Discuss retirement plans","confidence_score":0.20051903}]},{"text":"Happy to go through what your goals are, what you're looking for, project out, and work out a plan to help you meet that goal. Okay.","start_word":5579,"end_word":5604,"intents":[{"intent":"Review investment goals","confidence_score":0.09648575}]},{"text":"The other thing I've got here is your Outback, your motor vehicle, rough valuation last year was 60,000. What do you think you put on that now? It's probably 50?","start_word":5634,"end_word":5663,"intents":[{"intent":"Confirm valuation","confidence_score":0.004906296}]},{"text":"I'll just update that to be a separate savings account.","start_word":5777,"end_word":5786,"intents":[{"intent":"Update savings account","confidence_score":0.15713537}]},{"text":"Update Yeah. those for you. Other Yeah. assets I do like to consider are things like your contents. Do you have contents insurance on your property?","start_word":5804,"end_word":5829,"intents":[{"intent":"Update contents","confidence_score":0.08923431}]},{"text":"And what's the the estimate you'd put on your content I think value it was wise?","start_word":5844,"end_word":5859,"intents":[{"intent":"Add value","confidence_score":0.0045347726}]},{"text":"I wish down? I Nothing?","start_word":5896,"end_word":5900,"intents":[{"intent":"Resolve withdrawal issue","confidence_score":0.000025982747}]},{"text":"Now the other thing to have a look at is your estate planning side of things.","start_word":5928,"end_word":5943,"intents":[{"intent":"Discuss estate planning","confidence_score":0.43059257}]},{"text":"I do have it noted down here with your beneficiaries. So we do have a beneficiary noted on your towel policy with Stephanie as the beneficiary to receive a 100% of the benefit in the event that Yep. something was to happen. Is that correct?","start_word":5974,"end_word":6018,"intents":[{"intent":"Clarify beneficiary details","confidence_score":0.08955738}]},{"text":"What's her date to of birth? you.","start_word":6264,"end_word":6270,"intents":[{"intent":"Confirm identity","confidence_score":0.000031706943}]},{"text":"The only other thing I've got here is that when we sort of caught up last year, you hadn't done a will or power of attorney. Is that something that you guys have talked about in the past? Or Not really.","start_word":6545,"end_word":6585,"intents":[{"intent":"Clarify will and power of attorney requirements","confidence_score":0.00016901431}]},{"text":"One of the biggest things with these insurances are they do get more expensive as you get older as the risk of you making a claim increases as well. And the more expensive Yes.","start_word":7214,"end_word":7247,"intents":[{"intent":"Determine coverage options","confidence_score":0.000009390331}]},{"text":"these insurances get, the more it affects your super and and your retirement income because they are being paid out of your super. So I do wanna review these regularly with you, just making sure we can reduce the covers.","start_word":7249,"end_word":7288,"intents":[{"intent":"Review insurance covers","confidence_score":0.067425765}]},{"text":"Right now, we'll need to retain everything we have, and I'll make sure the advice reflects that for you. But we wanna review that down the track and just make sure we can keep altering them in line with your needs, making sure they're cost effective, providing you with the cover you you need in the event that of a claim, but also making sure it's not gonna eat away all your super as well. Okay.","start_word":7288,"end_word":7363,"intents":[{"intent":"Remain and review insurance","confidence_score":0.0000664356},{"intent":"Maintain insurance","confidence_score":0.00023990996}]},{"text":"Right now, we'll need to retain everything we have, and I'll make sure the advice reflects that for you. But we wanna review that down the track and just make sure we can keep altering them in line with your needs, making sure they're cost effective, providing you with the cover you you need in the event that of a claim, but also making sure it's not gonna eat away all your super as well. Okay. Okay.","start_word":7288,"end_word":7364,"intents":[{"intent":"Maintain and adjust insurance policies","confidence_score":0.0034580932}]},{"text":"We do have that form there attached when you've got a chance if you can sign and return it back. It just allows us to continue providing our services, updating advice, and looking after things there for you. We No do worries.","start_word":7429,"end_word":7470,"intents":[{"intent":"Provide services and advice","confidence_score":0.006293759}]},{"text":"also have a tax file opt in form, so it's just really important to let you know we do hold your tax file number with just because we had to set up your super and your insurance policy, so that had to be provided at the time.","start_word":7471,"end_word":7517,"intents":[{"intent":"Hold tax file details","confidence_score":0.000028252132}]},{"text":"I've touched on a lot, and I'm so sorry. You're having a very relaxing day.","start_word":7621,"end_word":7635,"intents":[{"intent":"End conversation","confidence_score":0.07982085}]},{"text":"I'll look at your both super funds, so the Australian super and hub twenty four, making sure everything's working and looking at what portfolios have, you know, have shown greater past performance to help you keep track of that. You Yep.","start_word":7734,"end_word":7774,"intents":[{"intent":"Examine portfolio performance","confidence_score":0.0022595325}]},{"text":"So I just wanna sort of look at your portfolio, look at how it's working, try to maybe minimize fees where I possibly can. I'll keep a little bit active management in there for you as well and see what we can do to get it working a bit harder, and then just keep reviewing and updating it as we need to. Does that sound okay?","start_word":8084,"end_word":8149,"intents":[{"intent":"Evaluate portfolio and fees","confidence_score":0.0060868026}]},{"text":"It takes probably about two to three weeks to complete the research for the advice document. Are you okay if I book in a time now, or did you want me to get one of the team to give you a call in a week or two to book in a time? What's easier for No.","start_word":8201,"end_word":8256,"intents":[{"intent":"Plan call for research document","confidence_score":0.000022291051}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Luke. It's Dana from Oakey Financial. How are you this afternoon?","start_word":0,"end_word":12,"sentiment":"neutral","sentiment_score":0.13099557161331177},{"text":"Good. Thank you. That's good.","start_word":13,"end_word":17,"sentiment":"positive","sentiment_score":0.6234407424926758},{"text":"I had you booked in to go through a bit of an annual review there with you. Is now still a good time? Yep. Yep.","start_word":18,"end_word":42,"sentiment":"neutral","sentiment_score":0.2113996744155884},{"text":"Fantastic.","start_word":43,"end_word":43,"sentiment":"positive","sentiment_score":0.49971094727516174},{"text":"How's your day been thus far? Oh, relaxing. Oh, Quiet.","start_word":44,"end_word":53,"sentiment":"neutral","sentiment_score":0.261027991771698},{"text":"that's good. That's really Yep. good.","start_word":54,"end_word":59,"sentiment":"positive","sentiment_score":0.4272376894950866},{"text":"I promise to take up too much of your time and interrupt that relaxation for you.","start_word":60,"end_word":75,"sentiment":"neutral","sentiment_score":0.2489692121744156},{"text":"That's all good.","start_word":76,"end_word":78,"sentiment":"positive","sentiment_score":0.4221092164516449},{"text":"Lucas, before we jump into the call, I do have to let you know we do record our calls for quality and training purposes. Are you happy for us to proceed with that? Yep.","start_word":79,"end_word":112,"sentiment":"neutral","sentiment_score":0.10050368309020996},{"text":"Fantastic.","start_word":113,"end_word":113,"sentiment":"positive","sentiment_score":0.38352182507514954},{"text":"And just to do a quick security check there with you as well just to confirm your full name, your date of birth, and address I should have on file. Luke Matthew Holman. Twenty third Yep. 1983. 7 Yep. Baffa Street, New Norfolk.","start_word":114,"end_word":156,"sentiment":"neutral","sentiment_score":0.11476340889930724},{"text":"Beautiful. Thank you so much for that.","start_word":157,"end_word":163,"sentiment":"positive","sentiment_score":0.4609083235263825},{"text":"Luke, as part of your annual review, I do send through some compliance documents to you, which does have, some of the documents that I'll go through and explain to you today. Are you able to jump into your emails and grab a hold of that? If not, that's okay. Yeah. I'm on my I'm on my phone at the moment, so I can I can Oh, grab it out of fantastic. my email? If it can't isn't in your inbox, it might be in your junk mail. Yeah. I I'm tend looking at to get I'm directed looking at through it the right junk. now. Yep. You're right. When we're sort of going through the annual review, we'll go through and have a bit of look at your sleep, how it's how it's being obviously performing, look at any additional goals that you have, and what we can maybe do with Fireflies to help you along. Is there any other questions or anything specific you kind of wanted me to touch base on as part of today's call? Or No. No. Not really. no. That's okay. Do you have a look at your super very often? No. I don't, honestly.","start_word":164,"end_word":364,"sentiment":"neutral","sentiment_score":0.008141612022447942},{"text":"No.","start_word":365,"end_word":365,"sentiment":"negative","sentiment_score":-0.3634008765220642},{"text":"That's okay. That's honestly fine.","start_word":366,"end_word":370,"sentiment":"neutral","sentiment_score":0.1449609249830246},{"text":"Sometimes it's the best way.","start_word":371,"end_word":375,"sentiment":"positive","sentiment_score":0.3963418602943421},{"text":"You're still young. You've got a lot of time ahead of you. It's you know, what happens in the next twenty years is important, not so much today. Yep. No. All good, Luke. We're essentially having a bit of a look back to give you an update on your super balance. When we sort of touched base and did your annual review last year, your balance number was a 121,001 and 176 in Hub twenty four. Your Yep. balance in Hub twenty four as of today's date, so yesterday's date is a 125,323 and 15<unk> there. So we have had an increase. Admittedly, all your contributions do go into Australian Super, not so much hub twenty four. So, essentially, it is what the portfolio has been doing on its own. In Australian Yep. Super, the current balance last year when we touched base was 19,057, and your balance now is 37,420.","start_word":376,"end_word":527,"sentiment":"neutral","sentiment_score":0.13990606367588043},{"text":"So that's increased quite considerably there as well.","start_word":528,"end_word":535,"sentiment":"positive","sentiment_score":0.3591712415218353},{"text":"When we have Yep. a look at the super, the performance, and how it is essentially going, majority of your portfolio has been performing quite well. I can see a couple of investments that are slightly underperforming a little bit, and I know your portfolio was kinda updated early twenty twenty five to one of the newer portfolios. Looking at Yep. sort of how that's performed from there, I would like to sort of see a little bit more of an increase. There are two investments I would probably look to maybe remove out of there if you're comfortable with me updating the advice for you. But as a whole, the total earnings and the income that's been generated within Hub twenty four over the past twelve months, you've made over $7,483. So it's a bit lower 4% return for the year net of fees. When you kinda look at the sort of portfolio you're in, you were in that high growth environment. So you're sort of wanting to take a more risk trying to obtain greater potential returns. Yep. But it also does mean in market volatility and downtimes, and this year has definitely been in a very up and down sort of time within the market and globally. It does mean that you are gonna see lower returns, and that will be reflecting your portfolio there as well. So Yep. it is definitely a lower return than what I would like to have seen for this year given your portfolio. But to come out after what we've seen this year with the market volatility and the ups and downs, March and April was kind of the really worst sort of point of that, those ups and downs of what was happening between The US and the Iran war, but also here. In Australia, we had high inflationary rates, which also had an effect on bonds and fixed interest investments as well. So it Yeah.","start_word":536,"end_word":860,"sentiment":"neutral","sentiment_score":-0.061543831389683945},{"text":"is lower than I would like, but I am glad you have come out with a positive return after the last twelve months as well.","start_word":861,"end_word":885,"sentiment":"positive","sentiment_score":0.4532962143421173},{"text":"Okay? Yep. Yep.","start_word":886,"end_word":888,"sentiment":"neutral","sentiment_score":0.1694881021976471},{"text":"Beautiful.","start_word":889,"end_word":889,"sentiment":"positive","sentiment_score":0.4984930455684662},{"text":"It is a lot. Did you have any questions? Did you Oh, not really. Not really. So, yeah, so the the hub twenty four account, it's it's only going up by this twelve months, only by $7,000. yeah. And the the Oz Super one, what was that? Went from what was it? '25 to 3034 or something like that, wasn't We've it? we've gone from 19,000 to about 37%, which is majority of that's your contributions. Yeah. Okay. Yep. Right here. Yeah. No. That's okay. What I would like to do I know one of the things having a look at it I know last year when you spoke to my colleague, we did provide a bit of an update on the investment portfolio. Having a look at the individual investments, you do have one of those investors that's been along Australian equities. That investment specifically has underperformed a little bit within your portfolio there. Normally, we would sort of not wanna be, you know, taking an investment out or cementing a a loss or a downtime with an investment. But, unfortunately, the issues have been along are kind of in the underlying investments itself. So when you kinda look at the Australian market, it actually is up at the moment.","start_word":890,"end_word":1100,"sentiment":"neutral","sentiment_score":-0.014360801316797732},{"text":"And you've also got other Australian equities in your portfolio as well, which are showing a positive return at the moment.","start_word":1101,"end_word":1121,"sentiment":"positive","sentiment_score":0.4164891839027405},{"text":"So the fact that Benelon is down is kinda holding your returns back a little bit.","start_word":1122,"end_word":1137,"sentiment":"negative","sentiment_score":-0.44096601009368896},{"text":"We do kinda wanna go and remove that from your portfolio. There's no point being invested in investments that are underperforming, is Okay. important to continue updating those a little bit as well. It also looks like the other investment in your portfolio that's not performing as well as we kind of had a hope to expect it is the India investment. So it's the beta shares India ETF. That is also showing a little bit of a pullback on your investments as well. So are you comfortable with me going back just reviewing those two investments, maybe restructuring your portfolio and seeing if we can make it work a little bit harder for you? Yeah. Sounds good. Yeah. Yeah.","start_word":1138,"end_word":1257,"sentiment":"neutral","sentiment_score":-0.12251921743154526},{"text":"Beautiful.","start_word":1258,"end_word":1258,"sentiment":"positive","sentiment_score":0.4535548985004425},{"text":"There's no point being invested in anything underperforming there, and it is really important to continuously update your portfolio. I know we did sort of update things last year with with what we've got in here at the moment, but hoping that we don't have to, you know, update things on a yearly basis. It's best to sort of set up a portfolio and have it working for a couple of years at a time.","start_word":1259,"end_word":1333,"sentiment":"neutral","sentiment_score":-0.024969493970274925},{"text":"But, unfortunately, just with what's been happening in the markets, and we've been along underperforming up until recently.","start_word":1334,"end_word":1351,"sentiment":"negative","sentiment_score":-0.432089626789093},{"text":"We've been a long thing, really great positive past performance, but most recently, they've had some underlying issues with one of their underlying investments.","start_word":1352,"end_word":1375,"sentiment":"neutral","sentiment_score":-0.2532271444797516},{"text":"And they can't get out of that investment, so we feel it's best to remove you from that now rather than to wait and sort of see if it drags your portfolio down further.","start_word":1376,"end_word":1409,"sentiment":"negative","sentiment_score":-0.5011357069015503},{"text":"Okay. Does that make Yep. sense? Do Yep. you No. That's have if any if yeah. questions, If it's like, not if do it's not performing you and you think you just yeah. can do it, Yeah. you think you Absolutely. can get Let's better, get then go rid for it. of that one out of there. Now the one thing I sort of wanted to talk to you about was how you sort of like to see your investment structured. There are two types of ways of investing. One of those is having more of an actively managed component. By having an active manager in your portfolio, it's very similar to what Benelong is. They're an active manager. They're supposed to be buying and selling in a way that sort of gives you they're trying to outperform you're right. Sorry. You're right. Yeah. Yeah. I'm back. A Sorry. oh, good. No. You're fine. Let me know if Yep. you do need to stop.","start_word":1410,"end_word":1573,"sentiment":"neutral","sentiment_score":0.022315162665596824},{"text":"Absolutely. Easy.","start_word":1574,"end_word":1575,"sentiment":"positive","sentiment_score":0.4036100506782532},{"text":"There are sort of two types of ways of investing within your portfolio. You can have active managers very similar to. They are trying to buy and sell in a way that outperform against the market or the benchmark that they're trying to, you know, work against. Yep. Active managers don't always have to outperform against the market. They do have years where they don't. Ben along definitely has not this year, and some of the other active managers are have been struggling to do so this year as well. You can also invest passively, which is essentially looking at index funds, which are seen as lower risk. They are a much cheaper way of investing, and those investments are designed to track the market. Did you wanna look at more of a a low a lower cost portfolio, maybe looking at reducing the fees, or did you wanna still see some active management in your portfolio with regard to those managers? What would you like me to sort of focus I on might investment I might wise? stick with I might stick with the active and and give it give it another give it another twelve months and see how it performs, and then we'll rereview Yep. it next year. Yeah. That's okay. Did you want me to still go back If, and remove Ben along and see if I can replace it with something else for you, or did you yeah, wanna if just you if you if you yeah. believe that there's there's there's room room there for improvement, then we'll Absolutely. we'll give it a shot. We'll we'll see how it goes Yeah. over the next twelve months.","start_word":1576,"end_word":1857,"sentiment":"neutral","sentiment_score":0.048417668314056195},{"text":"Yeah. Absolutely. There's definitely room for improvement there.","start_word":1858,"end_word":1865,"sentiment":"positive","sentiment_score":0.5506457090377808},{"text":"Obviously, there are certain concerns with what's been happening in the market this year with the ups and downs and the volatility.","start_word":1866,"end_word":1887,"sentiment":"negative","sentiment_score":-0.33922773599624634},{"text":"But when you look at the Australian market as a whole, and even The US market, essentially, the those other investments are up. The market is still up as a whole.","start_word":1888,"end_word":1918,"sentiment":"neutral","sentiment_score":-0.08072753250598907},{"text":"The dips we saw between sort of March to to April, essentially, were only maybe at the maximum about a 3% dip. It wasn't that big of a a dip. It was just the ups and downs we were feeling on a daily basis and how drastic it was and everything in the news that kinda made it worse for wear. But the fact that Bennelong is still down, it's not really recovering. And with the underlying issues, it is best to remove that from the portfolio now.","start_word":1919,"end_word":2006,"sentiment":"negative","sentiment_score":-0.4341177940368652},{"text":"Essentially, what to kinda give you a bit more clarity, Bennelong have what's an investment called Corporate Traveler.","start_word":2007,"end_word":2024,"sentiment":"neutral","sentiment_score":-0.20178678631782532},{"text":"Corporate Traveler have just recently come out to the market, noting that they were dishonest to investors.","start_word":2025,"end_word":2041,"sentiment":"negative","sentiment_score":-0.4668337106704712},{"text":"That meant that Corporate Traveler had to be invest had to be reevaluated as part of the Van Along portfolio. And because of that, Bennelong had to be reevaluated.","start_word":2042,"end_word":2070,"sentiment":"neutral","sentiment_score":-0.2969870865345001},{"text":"Now because of what corporate travelers did, they're actually at a trading halt. So it means that no one can kinda sell that investment at the moment.","start_word":2071,"end_word":2097,"sentiment":"negative","sentiment_score":-0.3689068257808686},{"text":"They don't Yeah. let it be Okay. traded on. So we they can Venalong can't get rid of Paul the Traveler, but we can get you out of Venalong. So it is best to kind of remove that from your portfolio Yep. now. Alright. The Sounds dips sounds are sounds solid. the, yeah, the dips aren't bad. It's important to kinda get out now what can. We can utilize the downtime that Ben Long's been to kind of readjust your portfolio and offset any capital gains within the portfolio as well to make it more cost effective. I'll also have a look if you like that investment fees and see if we can make the portfolio a bit cheaper for you as well. How does that sound?","start_word":2098,"end_word":2224,"sentiment":"neutral","sentiment_score":0.03879318962595059},{"text":"Sounds good. Yep. Beautiful.","start_word":2225,"end_word":2228,"sentiment":"positive","sentiment_score":0.5573714375495911},{"text":"In your pack there, you do have the performance report for hub twenty four, so feel free to have a look through that one. It does kinda go through the individual investments and does Yeah. show I'll the just total I'll just return have a look net. at it a minute ago. Yeah. Yeah. Yeah. So we'll see if we can get that working a bit harder there for you. I Yep. know past that we have not really done a lot in the way of catch ups. I wanna make sure this year we're doing a few more in the way of catch ups with you. Did you Yep. want us to maybe touch base in about three, six, twelve months? How often would you like me to touch base with you Let let's to have let's a let's go. Let's go. We'll make we'll make the changes that you have advised today, and then we'll we'll have a yeah. little we'll have a look at it again in six months' time and see see where Six we're at. months. Yeah.","start_word":2229,"end_word":2410,"sentiment":"neutral","sentiment_score":0.04232567921280861},{"text":"Beautiful. Excellent. Yep.","start_word":2411,"end_word":2413,"sentiment":"positive","sentiment_score":0.5043600797653198},{"text":"Well, what I'll do is I'll go back after the call, do some research with my team. I'll book you back in at the end as well for a couple of weeks to come back. We'll go through the advice document. I'll let you know what I'm recommending, the what changes we make to the super fund and the portfolio, and then you can take that away. We'll make those changes, and we could do a six month catch up thereafter for you. Yep. Okay? Yeah.","start_word":2414,"end_word":2499,"sentiment":"neutral","sentiment_score":0.10191470384597778},{"text":"Sounds good. Sounds good. Fantastic.","start_word":2500,"end_word":2504,"sentiment":"positive","sentiment_score":0.5400100946426392},{"text":"Now having a look at your file as well, you've got the Australian Super account there. Contributions should still be going to Australian Super. We do wanna retain that for a little bit longer. Now I know having a look back, I know you've got your TAL Life and TPD insurances, but the Australian Super had been retained back as well. I know it was originally recommended to cancel off there, but you've got some life, safety, and income protection with us within Australian Super there. Yeah.","start_word":2505,"end_word":2591,"sentiment":"neutral","sentiment_score":0.0630872816960702},{"text":"I've had a really good look at the file and the insurances.","start_word":2592,"end_word":2603,"sentiment":"positive","sentiment_score":0.3911488354206085},{"text":"With your towel policy, your life cover, you've got a current sum insured of about 1,200,000 just over there Yep. of life cover. You've also Yeah. got about 140,000 in Australian super as life cover there as well. Yep. The TBD is kind of where the important side of things comes into play. So with TBD, you've got the same level within the. It's the 1,200,000. The main sort of difference is is what's called an ADL definition. I know my colleague Kyle last year explained what ADL definition for TBD is. Do you remember going through that with him? Sorry. No. Basically. I don't. I very, very, very vaguely remember That's the okay. call last week. That's absolutely fine. So an ADL definition for TBD essentially means that you have to be unable to do three of the five activities of daily living. So they're thinking things like bathing yourself, feeding yourself, dressing yourself, going to the bathroom, things like that. They it is a very difficult definition to claim on, and Yeah. that Okay. would come about because of your occupation. So I've got down here that you're a long distance oil tanker driver. Is that right? Yeah. Yeah. Yeah. I'm I'm yeah. I'm current I'm currently unemployed at the moment. Yeah. Oh, I'm so sorry. Oh, No. no. It's all it's all good. No. No. I'd I'd I'd disagree disagreement on safety Yeah. grounds with the company, and I decided to Yeah. Look. I don't blame you. I've been doing what you did for a living. I do not blame you in any way. I think safety is the first and foremost, to to especially walk with away. driving Yeah. a tanker Yeah. around. Yeah. Not not the Yep. And different different different sort of opinion with the boss and, yeah, basically, he said, you can take it or leave it. And I said, no. I think I'll I think I'll leave it. You need to find some other Yeah.","start_word":2604,"end_word":2936,"sentiment":"neutral","sentiment_score":-0.055647118940009725},{"text":"schmuck to drive it.","start_word":2937,"end_word":2940,"sentiment":"negative","sentiment_score":-0.5685795545578003},{"text":"Yeah. No. Absolutely. So as I kinda mentioned, you've got the ADL definition of TPD with. However, the TPD, the total permanent disability you have in Australian super, isn't any occupation definition, which is much easier to claim on. It just means that if in your that you're unable to go back to work again due to permanent incapacity, you have to be unable to ever go back to work again in any occupation for which you're educated, trained, or have worked in the past. So the Australian Yep. super TBD is really important to keep in hand at the moment. Yeah. Yeah. The It's trial not TBD it's only, was it? A hundred and hundred and twenty thousand or something now, isn't the TBD within Australian super, it? you've only got about $34,000 off, so it's very minimal cover. Yeah. Okay. Yeah. But it is an an easier occupation to claim on, and it would be one of the first things we try to claim on in the event of permanent incapacity. So me, personally, Yeah. I'd Okay. be wanting to try and keep that for you. And Yeah. then just Yeah. the towel Every policy every that remember every phone call I've had had with Yeah. with OPU has been advised to keep that. Let let Absolutely. it go. Absolutely. Yep. I think one of the big things if we looked to essentially cancel that TPD definition, it would mean that in order for you to claim on permanent incapacity, you would have to meet that activity to daily living Yeah. definition, Yeah. Yeah. and It was the that is yeah. It very was the hard t a to meet. l yeah. The t a l one.","start_word":2941,"end_word":3229,"sentiment":"neutral","sentiment_score":-0.097574882209301},{"text":"It's a lot it's a lot harder to claim. You gotta be pretty much pretty much a quadriplegic.","start_word":3230,"end_word":3247,"sentiment":"negative","sentiment_score":-0.4495193660259247},{"text":"Absolutely.","start_word":3248,"end_word":3248,"sentiment":"neutral","sentiment_score":-0.04569696635007858},{"text":"Absolutely. Absolutely.","start_word":3249,"end_word":3250,"sentiment":"positive","sentiment_score":0.5353002548217773},{"text":"Yep. Very much a difficult definition to claim on there. So at least Yep. with having the the 34,000 of TBD within Australian Super there in the event of you being incapacitated, we can also claim permanent incapacity against your super, both hub 24 and Australian Super. So that would Yeah. give you essentially, if I look at everything in total, it'll give you estimated about what we're sitting at, 196,000. That's between your two super funds and that TPD within Australian super to kind of be out of claim incapacity against. And I know having a look, you're also receiving still your invalidity pension from the military super as well. You're still receiving that on a regular basis? Yeah. Yeah. That's as far as I'm aware, that's a life lifetime pension.","start_word":3251,"end_word":3382,"sentiment":"neutral","sentiment_score":-0.0492456816136837},{"text":"It absolutely is.","start_word":3383,"end_word":3385,"sentiment":"positive","sentiment_score":0.38074472546577454},{"text":"Yeah. Definitely. Yeah. So it stays as a lifetime pension amount. It's indexed along with CPDI and their internal indexation, which they kinda Yeah. decide every year what they're gonna index it by. It is Yep. a lifetime pension. The only sort of difference is they may they have what's called the different invalidity. Like, they have, like, a section, so they have a, b, c. They kind of every so often might come back and reevaluate you, but your invalidity a, which essentially covers you gives you the most coverage at the moment So long Yes. as they don't decrease that that eligibility, that should stay exactly as it is, and it is a lifetime pension amount, which is great. Fortnightly pension amount received after tax is about $1,333.19 there. Yep. Yep. Correct. So, realistically, you are still getting some money, and that on top of that, the TBD within Australian Super, if we had to claim that plus, obviously, your super between Australian Super and Hub 24, that obviously gives you a little bit extra extra 196,000 at the moment. As your super balance increases, could provide a much greater level of benefit there, and then we can just keep that Cal TPD with the ADL definition as a bit of a top up cover as a backup. So in the event of you having to claim, we try to claim everything else first. And then once, you know, things progress, then we try to claim on that ADL definition later and down the track for you. Does that make sense? And do you have Yeah. any questions? Yeah. It does. Yep. Yep.","start_word":3386,"end_word":3660,"sentiment":"neutral","sentiment_score":0.0981512688100338},{"text":"Excellent. I wanted to make sure I did a really good review of everything because I know we haven't spoken before. So I did go back and have a really good review of the insurance as how it works.","start_word":3661,"end_word":3699,"sentiment":"positive","sentiment_score":0.3633081018924713},{"text":"I do wanna update the advice and make some changes to your super portfolio, clean things up for you a little bit in your portfolio. Yep. I'll also have a look at the investments within your Australian super as well, make sure everything is kind of in that high growth portfolio between the two. And Yep. I'll update the recommendations, and then I'll just also clean up your insurances a little bit too. Just rerecommend the retention of Australian supers, making sure that you have the definitions noted correctly, the advantages, disadvantages, the risks, how that works, make it all outline and clean everything up for you. It's a bit of a a new established sort of, you know, base statement of advice, tracking it where we're heading for moving over the next ten years, and then we can kind of keep tracking it forward and updating it as we need to moving forward. Does Yep. that sound Sounds okay? good. Do you have any Yep. questions? Yeah? No. No. I think you've covered it very well.","start_word":3700,"end_word":3876,"sentiment":"neutral","sentiment_score":0.14222916960716248},{"text":"Thank you.","start_word":3877,"end_word":3878,"sentiment":"positive","sentiment_score":0.34688520431518555},{"text":"All good. We obviously, retaining military super is the best thing for you now. I do have to as part of the advice, just note that we will retain military super. We can't and don't ever wanna make any changes.","start_word":3879,"end_word":3918,"sentiment":"neutral","sentiment_score":0.09908322244882584},{"text":"I actually love those super funds. I think they're fantastic.","start_word":3919,"end_word":3928,"sentiment":"positive","sentiment_score":0.5864567160606384},{"text":"Yes. They are you don't get defined benefits or anything like that anymore, and military super is one of the best ones out there.","start_word":3929,"end_word":3952,"sentiment":"neutral","sentiment_score":0.2958731949329376},{"text":"They really honestly look after you, which is great. All That good. will be that will be a factor to keep maintaining there for you.","start_word":3953,"end_word":3977,"sentiment":"positive","sentiment_score":0.43026411533355713},{"text":"The other thing I just wanted to look at was income protection as well. So you do have within Australian Super the income protection benefit. But whilst you're not physically working or unemployed, you can't kinda claim one at the moment. But are you actively looking for work, or what's your plan Yeah. Yeah. I moving am. forward? So I'm very much actively Yep. looking for work. Yeah. Yep. Yep.","start_word":3978,"end_word":4047,"sentiment":"neutral","sentiment_score":0.053023652732372285},{"text":"That's okay. Perfect.","start_word":4048,"end_word":4050,"sentiment":"positive","sentiment_score":0.4292418360710144},{"text":"So at the moment, you've got the income protection based benefit, monthly benefit of $3,100 in the event of not being able to go to work in the short term when you're getting back into the employment side of things. That benefit can be claimed if you're injured or ill on a short term basis. Yes. But with that, we can kind of come back when you've got a job, when you've got your income, and look at whether that's appropriate for you or not. We Yeah. could also look depending on what you do. Do you know with looking for work, are you kinda looking to go into any specific area? Is it what you were doing previously with a truck driving, or are you looking to sort of change it up and I've start I've something I've new? had a yeah. I've I've had a I've had a a fair few interviews lately. Yeah. Then I'm trying to get back into into in still in the truck driving, but I'm stepping away from the Yep. from the fuel game. Okay. Going just back to back to gen to to some general freight. Okay. Perfect. Well, when Yep. that happens, let me know. We might even be able to reassess and look at that policy and see if we can get you a better definition than the ADL definition. So Yep. I'll retain everything as it is for now as a base statement of advice, the sort of starting point for you, clean Yeah. everything Yeah. up that we have here. And then when you do get a job, let me know. We can look at your income. We can also look at, you know, moving forward, whether we can update that health policy for you and get you some better definitions of insurances Sounds and good. just to make sure that if in the event you are permanently disabled or unable to go to work due to, you know, permanent capacity that you can actually claim.","start_word":4051,"end_word":4388,"sentiment":"neutral","sentiment_score":0.03294200498676864},{"text":"I think one of the worst things is having cover that you can't claim on.","start_word":4389,"end_word":4403,"sentiment":"negative","sentiment_score":-0.376427561044693},{"text":"You don't wanna be paying all those premiums if you are unable to ever claim on them. So we'll try we'll see what we can do about getting those definitions updated for you. Okay. Yeah. No worries. No worries.","start_word":4404,"end_word":4442,"sentiment":"neutral","sentiment_score":-0.14528536796569824},{"text":"Excellent. All good. Perfect. Everything else is looking quite good.","start_word":4443,"end_word":4452,"sentiment":"positive","sentiment_score":0.49697345495224},{"text":"Now because you're currently not working at the moment, the advice document will essentially encompass no additional contributions employer wise. Are Yeah. you at a point or do you have much in the way of savings that you could maybe be making additional, maybe nonconcessional contributions or any additional contributions so far? You're I I probably well, at at the moment at the moment, I can't really do too much. I'm just hanging on hanging on to what I've got while while I search for another job. But I'm currently selling my investment property in New South Wales. Lovely. Yeah. And then well, if I when when and if that it should it should sell. It's pretty high demand Yeah. area, but when it does sell, it'll pretty much the profit the profit I make from that minus the capital gains tax I'll have to pay on what I make, I should be able Mhmm. to wipe out my mortgage here. So I'll be reevaluating how I look at my super once that's all all all sorted. Yeah. I'll Perfect. probably start I'll probably start looking at putting potentially a a good a good part of my my military pension directly into my super. Yeah. Absolutely. I think one of Yep. the biggest things to that is that military pension because a lot of that is untaxed money you do pay or they essentially have tax that comes out of that, so it's reducing your net amount. So being able to make additional contributions into super a could, you know, provide you with a little bit of a tax benefit, but also build up your super a lot more for retirement aspect. So when that time Yes. comes, let me know. We could always look at a certain amount that you're comfortable with, or we could always look at projecting out to what you wanna have and look at what you need to make in order to get that to meet that goal. Yeah. Okay. Yeah. Yeah. Yep.","start_word":4453,"end_word":4790,"sentiment":"neutral","sentiment_score":0.029167252421908124},{"text":"Sounds good. Fantastic.","start_word":4791,"end_word":4793,"sentiment":"positive","sentiment_score":0.6508402228355408},{"text":"And so your main primary residence, that's at Bathurst Street. Your investment property is Richmond Mews. Is that right? Yeah. Correct. Yep. Yep.","start_word":4794,"end_word":4816,"sentiment":"neutral","sentiment_score":0.11665701121091844},{"text":"Beautiful.","start_word":4817,"end_word":4817,"sentiment":"positive","sentiment_score":0.4150936007499695},{"text":"How much are you selling it for? I was hoping to get between $6.70 and $6.90.","start_word":4818,"end_word":4833,"sentiment":"neutral","sentiment_score":0.08701340854167938},{"text":"Oh, fantastic.","start_word":4834,"end_word":4835,"sentiment":"positive","sentiment_score":0.4354398548603058},{"text":"Yep. And you still have a mortgage on that property as well? You did Yeah. owe about Yeah. 200 To and 16 that yeah. at the time. Well, if I take out all my redraw, it's about 190,000 I owe on it. Okay. $1.90 after redraw.","start_word":4836,"end_word":4881,"sentiment":"neutral","sentiment_score":0.019725754857063293},{"text":"Beautiful.","start_word":4882,"end_word":4882,"sentiment":"positive","sentiment_score":0.48063287138938904},{"text":"Yep. And with the main primary residence there, we had you rough valuation last year was about 410,000. What's the evaluation would you put on the property now, do you think? I don't think it shifted much. Maybe maybe a little bit more, but I don't think I don't think it's grown significantly in twelve months' time. Yep. That's absolutely fine. Not a problem. And a mortgage on that property as well, we had about three hun sorry, 434,000. Has that decreased a little bit since Yeah. last year? Down to, like, $4.23, I think, now. Oh, fantastic. Those Yep. interest rate hikes haven't helped us in any way, shape, or form, No. have they? Well, that's well, yeah, what's coming with the capital gains tax plus the rate, the mortgage rates, Yep. yeah, I've I've decided to get out of get out of my investment property. Yeah. It's just Absolutely. between all the Stratas and all the other associated fees. It's just It's a lot. it's just it's just it's just become too much. It's by the time I by the time I sort of take all the take the rental income out, Yeah. then all the Stratas and everything. I mean, I'm still in I'm still in the red. Yeah. Not No. not by much. And once with my military my military pension and what I was earning doing tanker driving, I was I was just earning way too much money. I was it was just a constant ballet every tax time to sort of Yeah. make it so I didn't get a great big tax bill each year. So No. There's more money so you're pumping out, isn't it? oh, yeah. Yeah. I just wanna see at the same time, I I just wanna see I just wanna simplify my life a little bit. Yeah. Absolutely.","start_word":4883,"end_word":5191,"sentiment":"neutral","sentiment_score":-0.06746838338263213},{"text":"Not a problem.","start_word":5192,"end_word":5194,"sentiment":"positive","sentiment_score":0.3686301708221435},{"text":"Yep. And when you Yep. think about retirement goals, are you sort of hoping to be able to access super and retire at age 60 or beforehand, or what's kind of your hope I for retirement? would like to do it I'd like to do it beforehand, but Yep. the way the the way things are, I'm I'm still realistic. I think I'll be I'll still probably be working until until that retirement age of about 67 or so. Well, I can give you some good news because you actually don't have to work that long if you don't want to. Under the current legislation, you can fully retire and access your super at the age of 60. So Yep. you can choose to retire at 60 onwards and access your super a 100% tax free. That's Yep. your Australian super and hub 24. With regard to military super, there are with the untaxed element, there's still taxation there, but once you kinda hit 60, the taxation changes slightly. So and Yep.","start_word":5195,"end_word":5366,"sentiment":"neutral","sentiment_score":0.16196374595165253},{"text":"that military pension gives you a lifetime pension as well, which is fantastic.","start_word":5367,"end_word":5379,"sentiment":"positive","sentiment_score":0.5201202630996704},{"text":"So we can essentially, at that point, be looking at what you get from the military pension, offset that from the other super funds. By that time, you shouldn't need those insurances anymore, so we should be able to cancel them, consolidate everything, have everything in one place, and Yeah. then just drill down what you need from, say, hub twenty four or wherever your super is located to offset the military pension and look at, obviously, the long term effect and make it last as long as possible, which would be fantastic for you. If Yep. you are wanting to look at retiring before the age of 50, Military Super continues to pay out a pension, but we just have to look at a way to be able to supplement that with investments outside of super. I know you're a bit a bit over the property aspect, but there are other ways to to build wealth outside Yes. of super investments and things that can have tax advantages for you down the track as well. So I do a lot of that kind of advice to support you sort of after.","start_word":5380,"end_word":5571,"sentiment":"neutral","sentiment_score":0.2166603572356204},{"text":"Come and have that chat with me. Happy to go through what your goals are, what you're looking for, project out, and work out a plan to help you meet that goal.","start_word":5572,"end_word":5603,"sentiment":"positive","sentiment_score":0.6095271110534668},{"text":"Okay. No worries. No worries.","start_word":5604,"end_word":5608,"sentiment":"neutral","sentiment_score":0.2283205687999725},{"text":"Easy. Easy.","start_word":5609,"end_word":5610,"sentiment":"positive","sentiment_score":0.4558658599853515},{"text":"I'll work on 60 for the moment for your super, and then we'll just keep coming back and reviewing that for you. Okay. The other thing I've got here is your Outback, your motor vehicle, rough valuation last year was 60,000. What do you think you put on that now? It's probably 50? yeah. It's That's It's it's three okay. it's three years old. It's a car. It depreciates bigger. Yeah. Absolutely. Absolutely. Yep. And then we had some extra cash in the bank. I believe this is a redraw, and that would be the redraw on the investment property. Is that right? Is it the only redraw account that you have with funds Yeah. in? I've got redraw on my current on my current, but it's only about 3 Yep. thousand dollars on Okay. my on my investment. I think I think last time I checked, it was about 13 or 14,000, Yep. and I've got Beautiful. I've got $4,545,000 dollars in savings.","start_word":5611,"end_word":5774,"sentiment":"neutral","sentiment_score":0.06360695511102676},{"text":"Oh, beautiful.","start_word":5775,"end_word":5776,"sentiment":"positive","sentiment_score":0.3810878992080689},{"text":"I'll just update that to be a separate savings account. I'm sorry that you said 40,000 in savings? 45. 45. My apologies on that one.","start_word":5777,"end_word":5801,"sentiment":"neutral","sentiment_score":-0.06925536394119262},{"text":"Beautiful.","start_word":5802,"end_word":5802,"sentiment":"positive","sentiment_score":0.476091742515564},{"text":"Yeah. Update Yeah. those for you. Other Yeah. assets I do like to consider are things like your contents. Do you have contents insurance on your property? I do. Yeah. I do. Yeah. Yep. Through What's Suncorp the slash Shannon's.","start_word":5803,"end_word":5842,"sentiment":"neutral","sentiment_score":0.04975425824522972},{"text":"fantastic.","start_word":5843,"end_word":5843,"sentiment":"positive","sentiment_score":0.5470589399337769},{"text":"And what's the the estimate you'd put on your content I think value it was wise? I think I've got it in some total insured for about a 150,000, I think. Yep.","start_word":5844,"end_word":5875,"sentiment":"neutral","sentiment_score":0.08433336019515991},{"text":"Beautiful.","start_word":5876,"end_word":5876,"sentiment":"positive","sentiment_score":0.4524457752704621},{"text":"150,000.","start_word":5877,"end_word":5877,"sentiment":"neutral","sentiment_score":0.2808680534362793},{"text":"Excellent.","start_word":5878,"end_word":5878,"sentiment":"positive","sentiment_score":0.4705277681350708},{"text":"And anything else? Any other shares, cryptocurrency, tools No. of trade, No. or valuables you'd note No. I wish down? I Nothing? wish I had been smarter and when I first heard of that, but, no, I think everyone does the same thing. Yeah. That's okay.","start_word":5879,"end_word":5924,"sentiment":"neutral","sentiment_score":-0.06766317784786224},{"text":"It's all good.","start_word":5925,"end_word":5927,"sentiment":"positive","sentiment_score":0.4080793261528015},{"text":"Now the other thing to have a look at is your estate planning side of things. Now I've got here that you are in a defective relationship. So Stephanie is your partner, and you guys have got two kids. Is that right? That is correct.","start_word":5928,"end_word":5972,"sentiment":"neutral","sentiment_score":-0.06809071451425552},{"text":"Fantastic.","start_word":5973,"end_word":5973,"sentiment":"positive","sentiment_score":0.3603901267051697},{"text":"I do have it noted down here with your beneficiaries. So we do have a beneficiary noted on your towel policy with Stephanie as the beneficiary to receive a 100% of the benefit in the event that Yep. something was to happen. Is that correct? Is that That's how you want that's that structured exactly. to everything? Yep. That's it. Yep. But I don't Yes. want that to change. No. That's okay. With military super, that is an automatic beneficiary, so they only really pay everything out to the spouse, and that all kinda happens automatically on passing. We certainly hope nothing happens there. We want you to enjoy your life and your funds, but that's something we don't need to update because it happens automatically within their sort of structure. But it does look like with the hub twenty four beneficiary, we had sent it out, but it has not yet been completed. Have you received that in the post recently or via email, or have you got it there? No. If And not, I believe let me I've know. no. No. I haven't received it. No.","start_word":5974,"end_word":6161,"sentiment":"neutral","sentiment_score":-0.0067543890327215195},{"text":"That's okay. Are you happy for us?","start_word":6162,"end_word":6168,"sentiment":"positive","sentiment_score":0.4810817539691925},{"text":"We can pre fill the beneficiary nomination out for you if you like. That way we can send it to you, and you just gotta sign it and have it Yeah. witnessed Yep. and Yeah. sent Let's back to do us. Would that. that be Yep. easier? That's fine. Yep. Yep.","start_word":6169,"end_word":6219,"sentiment":"neutral","sentiment_score":0.13952623307704926},{"text":"Send send Fantastic. it through that way, and I'll I'll fill it up and finish Excellent.","start_word":6220,"end_word":6235,"sentiment":"positive","sentiment_score":0.5360046029090881},{"text":"So it I've got it down here. So off Stephanie is your beneficiary. and Now just double send checking. I've got it some hard questions back for you. What's her date to of birth? you. I don't have a question at all. It's the the 04/19/1988.","start_word":6236,"end_word":6281,"sentiment":"neutral","sentiment_score":0.025620456784963608},{"text":"Oh, beautiful. Love that one.","start_word":6282,"end_word":6286,"sentiment":"positive","sentiment_score":0.5903288125991821},{"text":"And I'm just taking your spouse.","start_word":6287,"end_word":6292,"sentiment":"neutral","sentiment_score":0.32706302404403687},{"text":"You're happy for a 100% of the benefit to be Yes.","start_word":6293,"end_word":6303,"sentiment":"positive","sentiment_score":0.45486000180244446},{"text":"nominated to Stephanie. Yep. Yeah.","start_word":6304,"end_word":6308,"sentiment":"neutral","sentiment_score":0.14362381398677826},{"text":"Beautiful.","start_word":6309,"end_word":6309,"sentiment":"positive","sentiment_score":0.3897770345211029},{"text":"Yeah. Address is exactly the same as I've got for yourself. There's no Yes. Difference Seven In Baptist the address. Street. Yes.","start_word":6310,"end_word":6331,"sentiment":"neutral","sentiment_score":0.06275764852762222},{"text":"Fantastic. Excellent. We'll get that prefilled and sent out to you.","start_word":6332,"end_word":6342,"sentiment":"positive","sentiment_score":0.42811670899391174},{"text":"Is email or post better or easier for yourself, or did Oh, you I want just both? just need just Email? just email it through to me, and that way I'll just I'll digitally sign it and do what I need to do there and send it back to you so it'll Yep.","start_word":6343,"end_word":6395,"sentiment":"neutral","sentiment_score":0.13109393417835236},{"text":"make Beautiful.","start_word":6396,"end_word":6397,"sentiment":"positive","sentiment_score":0.3733987808227539},{"text":"it a bit quicker It will and more efficient. easy. It will need to be wet signed. They do have to be printed and signed because of the way the estate planning works. And with Okay. the Systaz, Alright. Well, then you'll just send yeah. Just just Just send oh, it by email. I'll is print it print out that and sign it and whatnot. beautiful. And this needs to be witnessed as well. Just making sure Stephanie isn't one of the witnesses. So there's two people Okay. over the 18. It can be anyone except for her. Once Okay. that gets done, we'll we'll receive it back. We'll make sure it's applied there for you and confirm if there's any problems in the meantime just so we have everything under control and all those checks and balances completed for you. Okay? No worries. No worries.","start_word":6398,"end_word":6543,"sentiment":"neutral","sentiment_score":0.10899921169836228},{"text":"Excellent.","start_word":6544,"end_word":6544,"sentiment":"positive","sentiment_score":0.7080166339874268},{"text":"The only other thing I've got here is that when we sort of caught up last year, you hadn't done a will or power of attorney. Is that something that you guys have talked about in the past? Or Not really. No. No. That's okay. It is definitely something to consider. Have a bit of a chat, work out what you want to do. Obviously, your super beneficiaries do cover your super and your life insurance side of things. However, it's everything outside of super that's also really important. So your house investments, your money, your cars, all that sorts of things. As an adviser, I have seen, unfortunately, in the past where someone's passed away, whilst most things are passed directly to your spouse, it still does have to go through a bit of a pro probate process. And it does mean that people from your past can come forward and make a claim. There's no guarantees they're gonna get anything, but they can make a claim, and that can cause a bit of a problem and make the process a little bit longer as well. Okay. So Yeah. if Well, that you guys I don't think do I get haven't a really pen, have to worry you about that that that coming feel pretty coming good. forth in my in my if in in in light Yeah. of my demise. But, yeah, I'll I'll, yeah, I'll I'll have a look at Yeah. doing a Yeah. Absolutely. You can get a simple will care from the post office. Last time I checked, they're about 30 odd or dollars. Alternatively, all the states and territories something. Yeah. do have local government offices like I hear in well, I'm in Queensland at the moment, but in New South Wales where I live, they do have, like, RMS, and they can put you in touch with doing a very simple will kit with a solicitor for as little as only, you know, 2 or $300. Yeah. Alternatively, Okay. doing a more complex drill through our local solicitor can be a little bit more expensive, but the complexity means that you get a lot more say in what you want done with your estate planning. But Yeah. then if you are just wanting something very simple, you can just go to, like, the post office, get a will kit. As long as it's filled out correctly and as per the instructions, then they do work and they can be valid. Okay. Okay. No worries. I see.","start_word":6545,"end_word":6967,"sentiment":"neutral","sentiment_score":0.029147875158393635},{"text":"Excellent.","start_word":6968,"end_word":6968,"sentiment":"positive","sentiment_score":0.6218129396438599},{"text":"The only other thing to sort of note is having a look here, obviously, with your TBD, you withheld, there is a left knee exclusion. We did try to have a look because that was due to your ACL and the knee replacement. It's not a reviewable exclusion, but I just have to make sure you are aware. Obviously, it's just in relation to your left knee. Yeah. Okay. And with the life policy life and TPD with how they also had a 50% loading there due to your BMI. Can I just double check? Do you know what your height and weight is at the moment? Because I might be Yep. able to I have do. that reviewed. Yeah. Oh, well, yeah. I don't think it's gonna go positively for me. It's on a hundred hundred and ninety what was it? A hundred and ninety four centimeters tall and a hundred and Yep. forty kilo. Okay. It is a little bit on the higher side, so I wouldn't wanna review it yet. But if anything Yep. changes and the BMI comes down a little bit, let me know because I'll absolutely review it for you. But Yep. it is just, you know, making sure we can make those as cheap as possible. But, look, I'll touch Yeah. base with you down the track and talk about, you know, what happens when you get a job, what your occupation is. We can reassess the insurances.","start_word":6969,"end_word":7213,"sentiment":"neutral","sentiment_score":-0.012671113945543766},{"text":"One of the biggest things with these insurances are they do get more expensive as you get older as the risk of you making a claim increases as well.","start_word":7214,"end_word":7242,"sentiment":"negative","sentiment_score":-0.3441382050514221},{"text":"And the more expensive Yes. these insurances get, the more it affects your super and and your retirement income because they are being paid out of your super. So I do wanna review these regularly with you, just making sure we can reduce the covers. Right now, we'll need to retain everything we have, and I'll make sure the advice reflects that for you. But we wanna review that down the track and just make sure we can keep altering them in line with your needs, making sure they're cost effective, providing you with the cover you you need in the event that of a claim, but also making sure it's not gonna eat away all your super as well. Okay. Okay. Easy. In that email there, you do have the ongoing service agreement for the next twelve months there. So being a client of ours and us providing advice and reviewing your circumstances, working towards your retirement goals, we do charge an ongoing service fee. It is 1.65% per annum. It is deducted out of your Hub twenty four super account on a monthly basis. We do have that form there attached when you've got a chance if you can sign and return it back. It just allows us to continue providing our services, updating advice, and looking after things there for you. We No do worries. also have a tax file opt in form, so it's just really important to let you know we do hold your tax file number with just because we had to set up your super and your insurance policy, so that had to be provided at the time. But we just wanna make sure we're updating all of the documents, letting you know that's why we hold the information, and that tax file opt in form lets you know under what circumstances, how it's all looked after and held. We are very privacy conscious here. That's why we do security whenever you call us or we call you. Just making Yes. sure that we're protecting everything we hold on you. Everything is very personal information, so we don't want that getting to the wrong hands. So we're very security conscious here with regards to that. Okay? Okay. Alright.","start_word":7243,"end_word":7617,"sentiment":"neutral","sentiment_score":0.1383362090587616},{"text":"Excellent.","start_word":7618,"end_word":7618,"sentiment":"positive","sentiment_score":0.44796788692474365},{"text":"Yeah. Look. I've touched on a lot, and I'm so sorry. You're having a very relaxing day. Is there any questions that have come out of any of that? Is there No. anything No. you think I've maybe missed or not touched No. on? I'm Or no. I'm all good.","start_word":7619,"end_word":7668,"sentiment":"neutral","sentiment_score":-0.002137199342250824},{"text":"All good. easy.","start_word":7669,"end_word":7671,"sentiment":"positive","sentiment_score":0.5693639516830444},{"text":"What I'll do now is I'll go back. I'll do some research around your portfolio, the super. I'll look at your long term goals. It'll be factoring no contributions at the moment because you're unemployed.","start_word":7672,"end_word":7706,"sentiment":"neutral","sentiment_score":0.12212413549423218},{"text":"So just looking at, obviously, where we're tracking with the current circumstances we have, and I'm happy to update that down the track for you as well.","start_word":7707,"end_word":7733,"sentiment":"positive","sentiment_score":0.363325297832489},{"text":"I'll look at your both super funds, so the Australian super and hub twenty four, making sure everything's working and looking at what portfolios have, you know, have shown greater past performance to help you keep track of that. You Yep. are in that high growth environment, so that does kinda see about 90% of your super invested in those growth assets. So things like Australian shares, international shares, listed properties, and commodities. When you kinda figure on the risk scale of things, if you look at risk out of, say, one to five, five being the highest risk, one being no risk, or very, very low risk, You're sort Yep. of sitting in that fourth scenario there. The high growth environment does suit someone who's, you know, got at least eight years before accessing their super. They're happy to take on more risk now knowing that in the downtime, they're also gonna feel that. Do you feel that's fairly comfortable for where you're at? Did you wanna look at reviewing or reducing that risk level a bit, or you're No. happy I think to I think stick with I'll that? I'll think I'll be late. While while I still Yep. got a bit of fun up his sleeve. I'll just let Yep. it fire and see how it goes. Yep. Yeah.","start_word":7734,"end_word":7955,"sentiment":"neutral","sentiment_score":0.13179773092269895},{"text":"Absolutely. Yeah. Perfect.","start_word":7956,"end_word":7958,"sentiment":"positive","sentiment_score":0.4844011962413788},{"text":"Well, that does sort of fit your time horizon with where you're at at the moment. It's more just Yep.","start_word":7959,"end_word":7978,"sentiment":"neutral","sentiment_score":0.26764005422592163},{"text":"about making sure that there are gonna be downtimes, and I'm happy that you've come out with a positive return this year.","start_word":7979,"end_word":8000,"sentiment":"positive","sentiment_score":0.4719996452331543},{"text":"But this year, we did see a lot of volatility, unfortunately, Yeah. with the role Yeah. I have. I have had a lot of difficult conversations with him. I want to see really good returns, but this year's been completely out of our control, and the and the downtime have been quite consistent this year between Yeah. March and April. Admittedly, it was, you know, no more than a 3% drop, but that when you have a higher balance can feel quite drastic. So I just wanna sort of look at your portfolio, look at how it's working, try to maybe minimize fees where I possibly can. I'll keep a little bit active management in there for you as well and see what we can do to get it working a bit harder, and then just keep reviewing and updating it as we need to. Does that sound okay? Does that do you Yes. have any That questions sounds out fine. of any of that? No. Yeah. No. That sounds fine. Beautiful. Okay.","start_word":8001,"end_word":8173,"sentiment":"neutral","sentiment_score":-0.044169723987579346},{"text":"Well, I will let you go back to enjoying the rest of your day. Good luck with the job hunt.","start_word":8174,"end_word":8193,"sentiment":"positive","sentiment_score":0.4627281427383423},{"text":"If anything comes up, let me know. It takes probably about two to three weeks to complete the research for the advice document. Are you okay if I book in a time now, or did you want me to get one of the team to give you a call in a week or two to book in a time? What's easier for No. you? That's alright. Just just let's just book Yeah. Absolutely. So I'm looking at the week of the August 10. Is there a day, morning or afternoon that suits you it in best normally? now. After the afternoon would suit me Yep. Beautiful. And about best. this time, say, maybe Yeah. 02:00. About this time. Yep. Yep. Yep. Beautiful. I do have Monday, August 10 at 2PM available. If that's okay for you, we'll get Yep. it early Yes. in the week for you. Yep. Yep.","start_word":8194,"end_word":8342,"sentiment":"neutral","sentiment_score":0.0518232136964798},{"text":"Sounds good. Fantastic, Luke.","start_word":8343,"end_word":8346,"sentiment":"positive","sentiment_score":0.48718780279159546},{"text":"That one is all booked in there for you. It is about three weeks away, so I will just add a little text message reminder. If anything does come up, just let me know. We can happily reschedule then. Otherwise, I'll give you a call at 02:00. We'll go through the updated advice document. I'll look I'll let you know what I'm recommending, how, why, how it's in your best interest, the advantages, disadvantages, risks involved, and then you get to take that away and have a really good read and decide what you're happy to take on board. Okay. No worries.","start_word":8347,"end_word":8448,"sentiment":"neutral","sentiment_score":0.1906209697618204},{"text":"Alright. Thank you very Easy. much. My pleasure. You enjoy your day. Thank you for Yeah. your time. I will do it. Catch you later.","start_word":8449,"end_word":8473,"sentiment":"positive","sentiment_score":0.6380804777145386},{"text":"K. Bye bye. See you later. Bye. Bye.","start_word":8474,"end_word":8481,"sentiment":"neutral","sentiment_score":0.1823006570339203}],"average":{"sentiment":"neutral","sentiment_score":0.04336742749224825}}}}