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I had you booked in this morning just to go through your updated statement of advice, and that's a good time there for you. Fantastic. What I'll do is I'm gonna send you an email with a copy of the document. Are you able to jump into your email, Sarah, and grab that one at all? If you if you're not, that's okay. All good. Easy. Just all that is coming through to you there. Just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Excellent. All good. And just to do a really quick security test there with you as well, just to confirm your full name, your date of birth, and address I should have on file. Yep. Beautiful. Thank you so much for that. How's your morning been so far? Oh, that's good. Excellent. Now when you've got that one open there, there might be a little button that says sign. If you press that button, it lets you go through so you can view the document, but I'll never ask you to sign anything you have not read. Okay? Excellent. So with this one here, this advice document on the very front page has been prepared for yourself. Our advice is valid for sixty days from the date on the document there. In the on the bottom of the front page, it has my license number registration for you. So I'm a licensed adviser registered through AISC, and my registration number is 1304394. If you scroll forward to page number three, four, and five, you'll see where the areas that we have goes in and out with regards to the advice. So you've now retired, which is fantastic. You're wanting to draw out income payments of $1,200 on a weekly basis to make sure you can survive between now to August. And then when we get close to 67, we'll look at, you know, what Centrelink entitlement you're able to obtain from there. Okay? Oh, okay. We'll just need to go back and update that for you. We can do one of the two ways. So on the last page of the advice document, you do have, like, an a section where you can know that you wanna increase that 1,400 per week, or I can always go back and just update the advice. Did you want me to just take the instruction for you and you have that noted on the last page, or did you want me to update the advice to reflect that for you? Update the advice? Yeah. That's okay. What I'll do so we've got yeah. So we've got one of two ways. So because with the advice document, we have recommended $1,200 per week, we've kind of factored everything in on that, so the projected outcome, all those bits and pieces. I can go back and just update this. Or on the last page, you can just make a note saying you wanna increase that weekly payment to $1,400, and that's just a a a direction made by yourself. It means we don't update the advice document, but we can just reflect that in your pension payments for you. It's up to you. What would you prefer? You sure? Yeah. Are you sure? Yeah. That's okay. No worries. What I'll do, if you change your mind or if you need an updated bulk payment, let me know because you'll be in pension phase. You can absolutely do that. What I'll get you to do when you decide you need those extra funds coming out, just give me a call. Let me know you wanna do a transaction without advice because it's the quickest way to get up regular like, an updated one off payment out. And just tell me how much you need, whether you want it taken from all the investments or whether you want the payment quickly from just one or two investments. And just let me know you want that without advice, and I can do that payment quickly for you whenever you need it. Okay? Yeah. It's just you're right. Yeah. Just that number there that comes directly through. Alternatively, the other number we use, the main number we use is the 1300 number. Yeah. It's on the front of that doc. Yeah. It's on the front of that document there. I know we have a lot of phone lines, essentially, but it is on the front of the document on the bottom there. So if you wanted to call that 1300 number, that'll come through. My team will let me know. If I'm available, I'll always take the call and just like, hey, Dana. I need a I need a a one off payment of this amount for this reason. I need it ASAP. Can you do it without advice? And I'll process that and get the form ready for you to sign nice and quickly. Okay? Easy. Easy. That's okay. So what I'll do is I'll go through this with you to make it nice and quick. Essentially, if you can just because you'll get a chance to go back and read the document anyway afterwards. But if you can kinda go down for me just the page number. Sorry. I'm scrolling through. Number 20. Yeah. Perfect. So last time we so what I'm gonna recommend we do for you to start with is that we'll move into pension phase. So we're gonna transfer everything from your accumulation phase into the eight pension phase. Once we have you in pension phase, we'll set up your regular pension pages of $1,200 per week so you receive those nice and quickly. But we're also gonna do an investment switch. So as we kinda went through, there are some investments that have been underperforming, and we're also looking to reduce your risk level a little bit as well. So, essentially, what we're looking to do with on this page, you'll see all the the red and the green there. We're going to essentially sell off the ACDC, so remove that from your portfolio. We're also removing that along Australian equities because that has been underperforming. We're also removing the bank hybrids because they are being phased out by the government in the future. This is more of a complex investment, and the government is trying to streamline investments to make them a little bit less complex, make them easier for everyone to understand. So they are trying to remove some of these more complex investments out. We're better to move them now while we're making some big changes to your portfolio rather than to hold on to them till later on. Physical gold is really well performing in your portfolio. We wanna hold a little bit more of that, about 10%, so we're gonna buy some more physical gold. The cybersecurity investment has been performing a little bit up and down this year. It is a good investment to have. We are gonna, sort of, retain that investment, but we only wanna hold 3%. So we are gonna sell some of that down. You're a bit overexposed at the moment. You've got the core composite bonds. These are more of a defensive investment. So bonds think of them a bit like term deposits. You're putting money into the corporate or the corporate or the government bonds, and they're making income payments back to you while they hold that money. Bonds are more defensive in nature. They do get a lower rate of return, but as we are in pension phase, we wanna have more income producing funds and see less of those market ups and downs. So having more of these now portfolio is a good thing. With your portfolio, we wanna hold 25%. We only have 6% at the moment, so we are gonna buy a bit more into those defensive investments to lower your risk level. Okay. The S and P 500, at the moment, you've got about 30% there. We wanna reduce risk a little bit for you, so we're gonna sell off some of that and only hold 20% of the S and P 500, so it's the top 500 companies in The US. You've got the VerneX property in there as well. We're going to sell all of that down. It's more of a growth asset, and we're looking to reduce risk for you. You've also got the beta sales Raffi a 200 in there. So that's some of the top 200 companies in Australia. We are going to remove that investment wholly out of there, and then we're going to buy into some European exposure to give you access to all 16 European countries. The Vanguard All World SUS, this is giving you exposure to the entire globe minus The US because we have the S and P 500 above. The BetaShares a 200, that's giving you exposure to the top 200 companies on the Australian ASX. It's more of a lower cost investment, and it's providing you with greater diversification. So we're keep we're going to buy that to give you some Australian equity exposure. And then on the last page, we've got the high interest cash account. So the other side of lowering your risk level is about making sure that you do have a defensive investment. This is looking at high yielding cash accounts, so cash accounts that pay good dividends and good income payments, and we wanna hold 10% there for you as well. So we'll be buying into that investment. Okay? With your portfolio at the moment, you do have about 6% in cash. Within Netwealth, we certainly wanna hold 1% in cash, so we are going to buy you've got about 50,000 cash at the moment. It's a bit higher than where it should be. So we're gonna essentially, take some of that cash and invest that in this portfolio as above for you. Alright? Beautiful. That is a lot. It's not always everyone's cup of tea, but do you have any questions about any of those investments? No. That's okay. Yeah. We did. Yes. Yeah. Correct. So I did have a look at Netwealth, how twenty four minuteor and other super funds. The main difference is the reason I decided to stay with Netwealth is that with with moving in if you had a sort of move between any other funds whilst in the accumulation phase of super account work the way it is now, there's a higher CGT cost. Your super fund likely pays tax every year. And in accumulation phase, the tax is applicable. So moving out of net wealth into, say, hub 24 other funds now, while it did reduce your admin fees just a little bit, it wasn't enough to really offset the capital gains consequences. I also looked at moving into another fund, so rolling you into pension and then moving you into another fund. But that becomes very complex because we have to make sure you take the minimum pension payment for the year out of net wealth, then move you into a new fund, have it all reinvested, and then you have to start taking the minimum pension payment again. So it actually means that you would have had to have taken more out of your super fund for the year as a minimum pension payment upfront, which provided more of a disadvantage as well for you. So I did decide to stay with Netwealth because, a, it's a lot less complex, b, there was a lot more in the way of savings by having the funds remaining vested for you. The reason we're moving into pension phase first before doing the investment switch is that in pension phase, you don't pay any capital gains tax or income tax. So by moving into pension phase first then switching the investment, there's no CGT consequences for your super fund, which is a benefit to you. So that is a good thing. The administration fees, if you scroll down to page 23, this shows you the fee comparison table. Beautiful. So the different columns there has zero, so there's no tax consequences for making the change in the investments, which is fantastic. The administration fees are basically the same. And look, in all honesty, by moving into hub, it only reduced the administration fees by about 4 or $500 the third year. But the same as with every super fund, they're a tiered structure. So the more your balance increases, the more you pay an admin fee. So there wasn't as big a savings for moving the fund elsewhere. It really didn't provide you with any great advantage, and Netwealth is not a bad platform. It can it is one of the more expensive ones, but it is a great platform. And if you've had it for years and you understand it and like it, I have sort of had people move from Netwealth to Hub twenty four or other platforms, and then go, oh my god. These platforms are hard to kinda get used to. So sometimes just sticking with what you have is a comfort level, but Netwealth is still a very great platform. There's nothing wrong with it. They have a great frontier, and keeping you there means more money stays invested for you, which is important. Okay? Where's that? Oh, so that yeah. That's yeah. So that 13,000 is including our ongoing service fees. You pay our ongoing service fee of 1.65% per annum. That's all the fees total. The ongoing service fee plus the administration fees and investment fees, that's based on this table here. Essentially, the admin fees don't change, but the investment fees do. So at the moment, you're paying about 3,410 in admin in investment fees. The newer portfolio is actually cheaper, so we're saving about 2,230 with the newer portfolio. And the total cost the total cost of fees is reducing as well. So at the moment, your fees are slightly higher. By changing the portfolio, we're actually lowering those for you. Okay? Yep. Yep. So it's not so so so so are you talking about your minimum pension payment amount? Yeah. Yep. Super. Yep. Yep. So it's actually age based. It's not so much about the super fund itself. This is age based, and the minimum pension payments is set by the ACO. So between the ages 60 to 65, you have to take a minimum of 4% per year. From 60 five onwards, it's 5% per year. It's the it's the same across every super fund. It's set by the ATO on a yearly basis, and they kind of look at that. The idea is that when you're in pension phase, super is meant to be drawn down as an income stream. And years and years ago, they didn't have, like, a minimum pension payment, and people would just not take the pension. They would move into pension phase. They would stay there, not draw any money out of it, and then it would become more of a state planning thing. So they pass that super on to their kids and grandkids and things like that. Since then, the government has made it that because most people are relying on Centrelink and age pension. There's a lot of pressure on the government to sort of pay those benefits, and that pressure is only gonna increase as more and more people retire in the next sort of five to ten years. So they have a minimum pension payment requirement where from the age of if you're fully retired and you're in pension base, you have to take a minimum of 4% of your total balance each year, each financial year as a minimum pension payment. There's no maximum. You're yeah. Sorry. Oh, absolutely. It's yeah. Absolutely. It's the minimum pension paid for you is about 28,400. So your pension withdrawal noted here is 64,000 for the year based on $1,200 a week. So you've definitely covered that pension payment. That's absolutely fine. If for any reason you don't get that full amount and you are just under the minimum, which you won't be, in June every year, all the super funds do, like, a little bit of a a calculation based on what you have taken, what your balance was on the July 1, and what you should have taken as a minimum pension payment. If for any reason you haven't met that minimum, they just draw down an automatic one off pension payment to make sure you've covered that benefit. So a lot of people who were just not taking the minimum, who does not you're taking much at all, They often find that at the end of the financial year, they have an extra lump sum in their account, and the super fund has just automatically drawn that down. But you've absolutely met that minimum, and the minimum gets more gets higher as you get older because as you get older, the government wants you to take more and more of your pension to supplement. They also assume that your health is going to deteriorate as you get older and older, and they want you to make sure you're taking as much of your pension payments as possible, utilizing your super income, essentially. Yeah. Does that make sense? All good. Easy. So, look, Netwealth is a great fund. I do wanna keep it there for the time being. We can, as we are moving forward, I will every year do reviews with you and reassess super funds. If there's something that's better if there's a a reason to change, we absolutely can. If there's, you know, if the fees are getting too much, it's becoming more of an issue, we can absolutely look at other platforms. I just wanted to keep as much money in your favor as possible for you and make sure that we weren't having to draw too much out, make sure we weren't, you know, losing too much in the way of tax consequences as well, and just making sure that everything's safe for you because you're still young. Believe it or not, most people in their retirement live anywhere from twenty to forty years. So that is technically a whole another lifetime in retirement, and we want your super to last as long as possible for you. Okay? Easy. It's also reducing the risk level as well, which is a good thing. So you're going from that growth environment to 80% in those high risk assets down to about 60%, which is a good thing with just the risk level for you. This is reducing the fees. And as I kinda mentioned, that 13,000, that's including our ongoing service fee as well, which based on your current balance is capped. Moving forward from next year onwards, they are looking to change our fee structure, and our fee structure would become more of a tiered. So at the moment, we cap our ongoing service fee at 600,000. Moving forward, the fee structure won't be capped at 600,000, but the more your balance increases, the lower our fee percentage will get. So it'll be more of a tiered structure to provide a greater benefit. But I'll for now, for this year, we're keeping it exactly as it is, and I'll go through that and look at it next year with you as well. Okay? Excellent. And then you've got your withdrawals there as well. There's no insurance premiums coming out of your super, and the newer portfolio has averaged about a 9.15% on a yearly basis over the past five years. So whilst we're reducing the risk level for you, the balanced portfolio that we're moving you into has sort of kept up with inflation and has shown a great great return over the past five years. So moving forward, so long as you can obviously get that kind of return each year depending on market conditions, on the next page, you can sort of see that we would expect your super balance. This is not including Centrelink. This is just you taking the current pension drawdown every year. We can sort of expect it to last up until the age of 87 at the moment. Okay. Yeah. That is on the next one on page 24. Yeah. Yeah. Beautiful. I did have a look at Centrelink eligibility. At the moment, based on your current assets, you are a bit above the Centrelink eligibility side of things, but there's obviously things that you're wanting to do, you know, assets you wanted to sell down in the future. So we'll definitely have a look at, obviously, what we can do. Age 67 is when you are eligible for age pension. So around about age 66, I'll definitely wanna have a bit more of a look at your assets liability, see what we can do there, Think we can shelter some more money as well to try and get you some age pension just because getting a bit of age pension means we can take less out of super, which makes super last a bit longer there for you. But it also also provides you with the, you know, the health care card and things like that, and the benefits you get from the Centrelink age pension card and the health care card outweigh the dollar figure massively. So we'll have a look at that then. But this sort of shows you that by drawing down this regular amount, you can see your super balance lasting quite nicely with the current fee structure and the current portfolio returns that it has been as well. And we'll keep reviewing this every year, updating the portfolio, making changes as we need to as well for you. Okay? Excellent. Now the other thing I wanted to sort of go through with you is we were just looking to retain so you don't have any insurance that's coming out of your current fund there at the moment at all. You were happy to retain the Resolution Life policy. We spoke to and did the research on the Resolution Life policy for you. They confirmed there that the life and trauma and the income protection policy, the policy ending in 1612, that was canceled as of June 2026. Do you remember speaking to the your previous adviser on that policy and having that canceled? Did he? Might have. That's okay. Yep. That's okay. If we can get a copy of the the newer policy, that'd be fantastic. But in here, just note that policy number that had been canceled as of June 2026, and we were only able to do research on that particular policy. So I just wanted to make sure I clarified that with you, and I wasn't scaring you in any way, shape, or form because we wanted to make sure. But he did set up a new policy with the life and trauma. Is that right? Yep. Sure do. It is 811411612. Just got a pen. You're right. Oh, I know. They make it difficult, don't they? I just wanna make sure that you do have the insurances that you do wanna hold and make sure there is another policy for you. But your endowment policy is still that's all still in play. That's all still absolutely fine. That's all still retained. And we'll obviously, when that comes at twenty thirty, we'll have a chat before then and look at what you're able to what you're able to receive at the time and what you wanna do with those funds. But, yeah, I just wanted to let you know this policy with the the life, the trauma, and the IP, the policy number had shown us canceled as of the June 16, and we just wanna make sure that if there is another policy that it is still correct for you. That's all. Yeah. You're right. Yep. That looks promising. That's absolutely perfect. Yep. That's okay. We will get an an authority sent off to them. If we need you to sign another one, I'll get the team to organize that to be signed. But we'll get the research done on that. Okay. Just double I'm just double checking the policy number there for you just to make sure. Okay. I've got it here. Yeah. So that is the endowment one. So 045N. Yeah. The document just opened up for me. Yes. So that's the endowment policy. Yeah. That's okay. Is that an email is that an email you received from them? Yes. That's the same account number as what we've got on here as the policy that was canceled on June 2020 six. Yeah. He should have emailed you an updated one. That's okay. Did you wanna try and find it a bit later when I can get the team to follow-up with you just to sort of to get that to get that new number? Yeah. That way you're not stressing about it now. But, yeah, I just wanted to sort of make sure I had that chat with you and let you know this what we found when we did the the research on that policy. So, hopefully, there is another policy. If there's not, let me know. We can always look to help you to try and get life and trauma reinstated some way. Okay? That's all good. All good. But you're yeah. You're right. Well, we can't actually talk to him. He won't give us any of the information, unfortunately. We'll just sort of need a specific currency. But even if you can, I don't know, email him and go, hey? Can you send me the updated details of the policy that was put in place and see if he can email it to you. Yeah. Use him if, you know, he gets a a fee for holding the poll for looking after the policy for you, so you may as well get him to email you the to be a currency, confirm the new policy going forward. Yeah. That's okay. That's alright. I'll get Samantha to follow-up with you either later today or tomorrow just to sort of see if you're able to grab that number for us just so we can make sure everything is, you know, in incorrect order for you. Okay? Absolutely. Yeah. Yeah. Definitely. Yep. And if you find there is something not in place and you do need insurances, let me know because I can help you with that, and we can always look at what you need, what you wanna be counted for, what the cost is, and how we make that more efficient for you. Okay? Yep. Excellent. All good. Easy. Feel free to take some time to read you that document. I sort of try to go through it fairly briefly, just giving you the information you need. But read it through. You've got advantages, disadvantages, risks involved with Outline, how we'll implement the advice to make it easier on you. And, yeah, if you decide you wanna increase those regular pension payments to $1,400, on the last page, you've got a line that has multiliner text box. You can just write in there, increase pension to $1,400 per week, and I can always make sure that happens for you if you decide to go that way. Okay? Yeah. Easy. Do you have any questions, Darren? I know it's a lot. I'm so sorry. Yep. All good. Yeah. So you can just leave that instruction. Yep. Yep. Yep. Beautiful. Did you wanna put a note in that multiline to say to increase the pension payments? Are you happy just the 1,200 for the moment and then just to take it one off when you need it? Yep. Fantastic. All good. If any questions come out of it, let me know. Other than that, we'll get that implemented nice and quick and start the attention payments for you. Okay? Let's see. Beautiful. '20 third is the seventh. Yeah. I think because they uploaded it yesterday. Yeah. Sorry about that. That's okay. Sorry about that. Yep. And then if yes. You click there should be a button that says next or finish or yep. Perfect. We will. Yes. So when the team download the documents, they'll give you a call and get your bank account information. They'll do it so it's not on a recorded line. So because our lines are recorded, they'll send the recording off to get your bank information. We don't wanna do anything that's gonna, you know, hold that information on a recorded line for security, and then they'll open the pen they'll open the send the application to you to have the pension payment opened. It takes about seven days for that to be completely open, so you're not expecting any additional money from your employer to go into your suit. But that's all being paid now from last time that we spoke, isn't it? Yes. Beautiful. Beautiful. Beautiful. So we'll set your pension payment up nice and quick. How it'll work is you sign this. I've just got a fax to thank you for that. The team will give you a call either the second or tomorrow to get your bank details. They'll open they'll put through the pension application, send it to you to be signed. Once you've signed that, we'll open the pension account up. It takes about seven days to do it because all the investors are in cc'd over into the new pension account. And then as soon as that's open, we'll get your pension drawdown started. You can decide what day you want that. Is there a certain day you would like those pension payments to be received from your super fund? Yep. Beautiful. On a Friday. Lovely. I'll let them know you want it on a Friday, and I'll make that happen as soon as it's open. So they'll let you know the first Friday you receive those pension payments down. And then, yeah, we'll do the investments which after we start those pension payments. That way, you're not you know, you get that money started nice and quickly for you. In the meantime, if you decide, once we move into pension phase, you need any additional money at any time, you can just call me, tell me. We can do it as a transaction without advice. You just give me the direction, and I can organize that paperwork nice and quick. I just run down the risk of taking extra money out for you. As long as you're comfortable with that, we can do those with the withdrawals whenever you need nice and quickly for you, and we'll just keep reviewing those pensions to make sure that the investments are working, that the that the account is working for you, and that your super last as long as possible. Okay? Beautiful. Easy. Thank you so much for that. I really appreciated the time today. I'm so sorry. It is a lot to go through, but feel free to have a read to the document if you wanted to kind of run your eyes over any of that. But I'm very excited to put this in place for you. I think it's great you're living your life. Easy. Thank you. Yeah. You're right. Yep. Absolutely. Awesome. Thank you so much for that, Darren. You have a lovely day. We'll get this started nice and quick for you. My pleasure. Enjoy your day. Thank you for your time. See you later. 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Darren. It's Dana Dana from Mercy Financial. How are you? Yeah. Good.\n\nThank you. I had you booked in this morning just to go through your updated statement of advice, and that's a good time there for you. Fantastic. What I'll do is I'm gonna send you an email with a copy of the document. Are you able to jump into your email, Sarah, and grab that one at all?\n\nIf you if you're not, that's okay. All good. Easy. Just all that is coming through to you there. Just to let you know, we do record our calls for quality and training purposes.\n\nAre you happy for me to proceed with that? Excellent. All good. And just to do a really quick security test there with you as well, just to confirm your full name, your date of birth, and address I should have on file. Yep.\n\nBeautiful. Thank you so much for that. How's your morning been so far? Oh, that's good. Excellent.\n\nNow when you've got that one open there, there might be a little button that says sign. If you press that button, it lets you go through so you can view the document, but I'll never ask you to sign anything you have not read. Okay? Excellent. So with this one here, this advice document on the very front page has been prepared for yourself.\n\nOur advice is valid for sixty days from the date on the document there. In the on the bottom of the front page, it has my license number registration for you. So I'm a licensed adviser registered through AISC, and my registration number is 1304394. If you scroll forward to page number three, four, and five, you'll see where the areas that we have goes in and out with regards to the advice. So you've now retired, which is fantastic.\n\nYou're wanting to draw out income payments of $1,200 on a weekly basis to make sure you can survive between now to August. And then when we get close to 67, we'll look at, you know, what Centrelink entitlement you're able to obtain from there. Okay? Oh, okay. We'll just need to go back and update that for you.\n\nWe can do one of the two ways. So on the last page of the advice document, you do have, like, an a section where you can know that you wanna increase that 1,400 per week, or I can always go back and just update the advice. Did you want me to just take the instruction for you and you have that noted on the last page, or did you want me to update the advice to reflect that for you? Update the advice? Yeah.\n\nThat's okay. What I'll do so we've got yeah. So we've got one of two ways. So because with the advice document, we have recommended $1,200 per week, we've kind of factored everything in on that, so the projected outcome, all those bits and pieces. I can go back and just update this.\n\nOr on the last page, you can just make a note saying you wanna increase that weekly payment to $1,400, and that's just a a a direction made by yourself. It means we don't update the advice document, but we can just reflect that in your pension payments for you. It's up to you. What would you prefer? You sure?\n\nYeah. Are you sure? Yeah. That's okay. No worries.\n\nWhat I'll do, if you change your mind or if you need an updated bulk payment, let me know because you'll be in pension phase. You can absolutely do that. What I'll get you to do when you decide you need those extra funds coming out, just give me a call. Let me know you wanna do a transaction without advice because it's the quickest way to get up regular like, an updated one off payment out. And just tell me how much you need, whether you want it taken from all the investments or whether you want the payment quickly from just one or two investments.\n\nAnd just let me know you want that without advice, and I can do that payment quickly for you whenever you need it. Okay? Yeah. It's just you're right. Yeah.\n\nJust that number there that comes directly through. Alternatively, the other number we use, the main number we use is the 1300 number. Yeah. It's on the front of that doc. Yeah.\n\nIt's on the front of that document there. I know we have a lot of phone lines, essentially, but it is on the front of the document on the bottom there. So if you wanted to call that 1300 number, that'll come through. My team will let me know. If I'm available, I'll always take the call and just like, hey, Dana.\n\nI need a I need a a one off payment of this amount for this reason. I need it ASAP. Can you do it without advice? And I'll process that and get the form ready for you to sign nice and quickly. Okay?\n\nEasy. Easy. That's okay. So what I'll do is I'll go through this with you to make it nice and quick. Essentially, if you can just because you'll get a chance to go back and read the document anyway afterwards.\n\nBut if you can kinda go down for me just the page number. Sorry. I'm scrolling through. Number 20. Yeah.\n\nPerfect. So last time we so what I'm gonna recommend we do for you to start with is that we'll move into pension phase. So we're gonna transfer everything from your accumulation phase into the eight pension phase. Once we have you in pension phase, we'll set up your regular pension pages of $1,200 per week so you receive those nice and quickly. But we're also gonna do an investment switch.\n\nSo as we kinda went through, there are some investments that have been underperforming, and we're also looking to reduce your risk level a little bit as well. So, essentially, what we're looking to do with on this page, you'll see all the the red and the green there. We're going to essentially sell off the ACDC, so remove that from your portfolio. We're also removing that along Australian equities because that has been underperforming. We're also removing the bank hybrids because they are being phased out by the government in the future.\n\nThis is more of a complex investment, and the government is trying to streamline investments to make them a little bit less complex, make them easier for everyone to understand. So they are trying to remove some of these more complex investments out. We're better to move them now while we're making some big changes to your portfolio rather than to hold on to them till later on. Physical gold is really well performing in your portfolio. We wanna hold a little bit more of that, about 10%, so we're gonna buy some more physical gold.\n\nThe cybersecurity investment has been performing a little bit up and down this year. It is a good investment to have. We are gonna, sort of, retain that investment, but we only wanna hold 3%. So we are gonna sell some of that down. You're a bit overexposed at the moment.\n\nYou've got the core composite bonds. These are more of a defensive investment. So bonds think of them a bit like term deposits. You're putting money into the corporate or the corporate or the government bonds, and they're making income payments back to you while they hold that money. Bonds are more defensive in nature.\n\nThey do get a lower rate of return, but as we are in pension phase, we wanna have more income producing funds and see less of those market ups and downs. So having more of these now portfolio is a good thing. With your portfolio, we wanna hold 25%. We only have 6% at the moment, so we are gonna buy a bit more into those defensive investments to lower your risk level. Okay.\n\nThe S and P 500, at the moment, you've got about 30% there. We wanna reduce risk a little bit for you, so we're gonna sell off some of that and only hold 20% of the S and P 500, so it's the top 500 companies in The US. You've got the VerneX property in there as well. We're going to sell all of that down. It's more of a growth asset, and we're looking to reduce risk for you.\n\nYou've also got the beta sales Raffi a 200 in there. So that's some of the top 200 companies in Australia. We are going to remove that investment wholly out of there, and then we're going to buy into some European exposure to give you access to all 16 European countries. The Vanguard All World SUS, this is giving you exposure to the entire globe minus The US because we have the S and P 500 above. The BetaShares a 200, that's giving you exposure to the top 200 companies on the Australian ASX.\n\nIt's more of a lower cost investment, and it's providing you with greater diversification. So we're keep we're going to buy that to give you some Australian equity exposure. And then on the last page, we've got the high interest cash account. So the other side of lowering your risk level is about making sure that you do have a defensive investment. This is looking at high yielding cash accounts, so cash accounts that pay good dividends and good income payments, and we wanna hold 10% there for you as well.\n\nSo we'll be buying into that investment. Okay? With your portfolio at the moment, you do have about 6% in cash. Within Netwealth, we certainly wanna hold 1% in cash, so we are going to buy you've got about 50,000 cash at the moment. It's a bit higher than where it should be.\n\nSo we're gonna essentially, take some of that cash and invest that in this portfolio as above for you. Alright? Beautiful. That is a lot. It's not always everyone's cup of tea, but do you have any questions about any of those investments?\n\nNo. That's okay. Yeah. We did. Yes.\n\nYeah. Correct. So I did have a look at Netwealth, how twenty four minuteor and other super funds. The main difference is the reason I decided to stay with Netwealth is that with with moving in if you had a sort of move between any other funds whilst in the accumulation phase of super account work the way it is now, there's a higher CGT cost. Your super fund likely pays tax every year.\n\nAnd in accumulation phase, the tax is applicable. So moving out of net wealth into, say, hub 24 other funds now, while it did reduce your admin fees just a little bit, it wasn't enough to really offset the capital gains consequences. I also looked at moving into another fund, so rolling you into pension and then moving you into another fund. But that becomes very complex because we have to make sure you take the minimum pension payment for the year out of net wealth, then move you into a new fund, have it all reinvested, and then you have to start taking the minimum pension payment again. So it actually means that you would have had to have taken more out of your super fund for the year as a minimum pension payment upfront, which provided more of a disadvantage as well for you.\n\nSo I did decide to stay with Netwealth because, a, it's a lot less complex, b, there was a lot more in the way of savings by having the funds remaining vested for you. The reason we're moving into pension phase first before doing the investment switch is that in pension phase, you don't pay any capital gains tax or income tax. So by moving into pension phase first then switching the investment, there's no CGT consequences for your super fund, which is a benefit to you. So that is a good thing. The administration fees, if you scroll down to page 23, this shows you the fee comparison table.\n\nBeautiful. So the different columns there has zero, so there's no tax consequences for making the change in the investments, which is fantastic. The administration fees are basically the same. And look, in all honesty, by moving into hub, it only reduced the administration fees by about 4 or $500 the third year. But the same as with every super fund, they're a tiered structure.\n\nSo the more your balance increases, the more you pay an admin fee. So there wasn't as big a savings for moving the fund elsewhere. It really didn't provide you with any great advantage, and Netwealth is not a bad platform. It can it is one of the more expensive ones, but it is a great platform. And if you've had it for years and you understand it and like it, I have sort of had people move from Netwealth to Hub twenty four or other platforms, and then go, oh my god.\n\nThese platforms are hard to kinda get used to. So sometimes just sticking with what you have is a comfort level, but Netwealth is still a very great platform. There's nothing wrong with it. They have a great frontier, and keeping you there means more money stays invested for you, which is important. Okay?\n\nWhere's that? Oh, so that yeah. That's yeah. So that 13,000 is including our ongoing service fees. You pay our ongoing service fee of 1.65% per annum.\n\nThat's all the fees total. The ongoing service fee plus the administration fees and investment fees, that's based on this table here. Essentially, the admin fees don't change, but the investment fees do. So at the moment, you're paying about 3,410 in admin in investment fees. The newer portfolio is actually cheaper, so we're saving about 2,230 with the newer portfolio.\n\nAnd the total cost the total cost of fees is reducing as well. So at the moment, your fees are slightly higher. By changing the portfolio, we're actually lowering those for you. Okay? Yep.\n\nYep. So it's not so so so so are you talking about your minimum pension payment amount? Yeah. Yep. Super.\n\nYep. Yep. So it's actually age based. It's not so much about the super fund itself. This is age based, and the minimum pension payments is set by the ACO.\n\nSo between the ages 60 to 65, you have to take a minimum of 4% per year. From 60 five onwards, it's 5% per year. It's the it's the same across every super fund. It's set by the ATO on a yearly basis, and they kind of look at that. The idea is that when you're in pension phase, super is meant to be drawn down as an income stream.\n\nAnd years and years ago, they didn't have, like, a minimum pension payment, and people would just not take the pension. They would move into pension phase. They would stay there, not draw any money out of it, and then it would become more of a state planning thing. So they pass that super on to their kids and grandkids and things like that. Since then, the government has made it that because most people are relying on Centrelink and age pension.\n\nThere's a lot of pressure on the government to sort of pay those benefits, and that pressure is only gonna increase as more and more people retire in the next sort of five to ten years. So they have a minimum pension payment requirement where from the age of if you're fully retired and you're in pension base, you have to take a minimum of 4% of your total balance each year, each financial year as a minimum pension payment. There's no maximum. You're yeah. Sorry.\n\nOh, absolutely. It's yeah. Absolutely. It's the minimum pension paid for you is about 28,400. So your pension withdrawal noted here is 64,000 for the year based on $1,200 a week.\n\nSo you've definitely covered that pension payment. That's absolutely fine. If for any reason you don't get that full amount and you are just under the minimum, which you won't be, in June every year, all the super funds do, like, a little bit of a a calculation based on what you have taken, what your balance was on the July 1, and what you should have taken as a minimum pension payment. If for any reason you haven't met that minimum, they just draw down an automatic one off pension payment to make sure you've covered that benefit. So a lot of people who were just not taking the minimum, who does not you're taking much at all, They often find that at the end of the financial year, they have an extra lump sum in their account, and the super fund has just automatically drawn that down.\n\nBut you've absolutely met that minimum, and the minimum gets more gets higher as you get older because as you get older, the government wants you to take more and more of your pension to supplement. They also assume that your health is going to deteriorate as you get older and older, and they want you to make sure you're taking as much of your pension payments as possible, utilizing your super income, essentially. Yeah. Does that make sense? All good.\n\nEasy. So, look, Netwealth is a great fund. I do wanna keep it there for the time being. We can, as we are moving forward, I will every year do reviews with you and reassess super funds. If there's something that's better if there's a a reason to change, we absolutely can.\n\nIf there's, you know, if the fees are getting too much, it's becoming more of an issue, we can absolutely look at other platforms. I just wanted to keep as much money in your favor as possible for you and make sure that we weren't having to draw too much out, make sure we weren't, you know, losing too much in the way of tax consequences as well, and just making sure that everything's safe for you because you're still young. Believe it or not, most people in their retirement live anywhere from twenty to forty years. So that is technically a whole another lifetime in retirement, and we want your super to last as long as possible for you. Okay?\n\nEasy. It's also reducing the risk level as well, which is a good thing. So you're going from that growth environment to 80% in those high risk assets down to about 60%, which is a good thing with just the risk level for you. This is reducing the fees. And as I kinda mentioned, that 13,000, that's including our ongoing service fee as well, which based on your current balance is capped.\n\nMoving forward from next year onwards, they are looking to change our fee structure, and our fee structure would become more of a tiered. So at the moment, we cap our ongoing service fee at 600,000. Moving forward, the fee structure won't be capped at 600,000, but the more your balance increases, the lower our fee percentage will get. So it'll be more of a tiered structure to provide a greater benefit. But I'll for now, for this year, we're keeping it exactly as it is, and I'll go through that and look at it next year with you as well.\n\nOkay? Excellent. And then you've got your withdrawals there as well. There's no insurance premiums coming out of your super, and the newer portfolio has averaged about a 9.15% on a yearly basis over the past five years. So whilst we're reducing the risk level for you, the balanced portfolio that we're moving you into has sort of kept up with inflation and has shown a great great return over the past five years.\n\nSo moving forward, so long as you can obviously get that kind of return each year depending on market conditions, on the next page, you can sort of see that we would expect your super balance. This is not including Centrelink. This is just you taking the current pension drawdown every year. We can sort of expect it to last up until the age of 87 at the moment. Okay.\n\nYeah. That is on the next one on page 24. Yeah. Yeah. Beautiful.\n\nI did have a look at Centrelink eligibility. At the moment, based on your current assets, you are a bit above the Centrelink eligibility side of things, but there's obviously things that you're wanting to do, you know, assets you wanted to sell down in the future. So we'll definitely have a look at, obviously, what we can do. Age 67 is when you are eligible for age pension. So around about age 66, I'll definitely wanna have a bit more of a look at your assets liability, see what we can do there, Think we can shelter some more money as well to try and get you some age pension just because getting a bit of age pension means we can take less out of super, which makes super last a bit longer there for you.\n\nBut it also also provides you with the, you know, the health care card and things like that, and the benefits you get from the Centrelink age pension card and the health care card outweigh the dollar figure massively. So we'll have a look at that then. But this sort of shows you that by drawing down this regular amount, you can see your super balance lasting quite nicely with the current fee structure and the current portfolio returns that it has been as well. And we'll keep reviewing this every year, updating the portfolio, making changes as we need to as well for you. Okay?\n\nExcellent. Now the other thing I wanted to sort of go through with you is we were just looking to retain so you don't have any insurance that's coming out of your current fund there at the moment at all. You were happy to retain the Resolution Life policy. We spoke to and did the research on the Resolution Life policy for you. They confirmed there that the life and trauma and the income protection policy, the policy ending in 1612, that was canceled as of June 2026.\n\nDo you remember speaking to the your previous adviser on that policy and having that canceled? Did he? Might have. That's okay. Yep.\n\nThat's okay. If we can get a copy of the the newer policy, that'd be fantastic. But in here, just note that policy number that had been canceled as of June 2026, and we were only able to do research on that particular policy. So I just wanted to make sure I clarified that with you, and I wasn't scaring you in any way, shape, or form because we wanted to make sure. But he did set up a new policy with the life and trauma.\n\nIs that right? Yep. Sure do. It is 811411612. Just got a pen.\n\nYou're right. Oh, I know. They make it difficult, don't they? I just wanna make sure that you do have the insurances that you do wanna hold and make sure there is another policy for you. But your endowment policy is still that's all still in play.\n\nThat's all still absolutely fine. That's all still retained. And we'll obviously, when that comes at twenty thirty, we'll have a chat before then and look at what you're able to what you're able to receive at the time and what you wanna do with those funds. But, yeah, I just wanted to let you know this policy with the the life, the trauma, and the IP, the policy number had shown us canceled as of the June 16, and we just wanna make sure that if there is another policy that it is still correct for you. That's all.\n\nYeah. You're right. Yep. That looks promising. That's absolutely perfect.\n\nYep. That's okay. We will get an an authority sent off to them. If we need you to sign another one, I'll get the team to organize that to be signed. But we'll get the research done on that.\n\nOkay. Just double I'm just double checking the policy number there for you just to make sure. Okay. I've got it here. Yeah.\n\nSo that is the endowment one. So 045N. Yeah. The document just opened up for me. Yes.\n\nSo that's the endowment policy. Yeah. That's okay. Is that an email is that an email you received from them? Yes.\n\nThat's the same account number as what we've got on here as the policy that was canceled on June 2020 six. Yeah. He should have emailed you an updated one. That's okay. Did you wanna try and find it a bit later when I can get the team to follow-up with you just to sort of to get that to get that new number?\n\nYeah. That way you're not stressing about it now. But, yeah, I just wanted to sort of make sure I had that chat with you and let you know this what we found when we did the the research on that policy. So, hopefully, there is another policy. If there's not, let me know.\n\nWe can always look to help you to try and get life and trauma reinstated some way. Okay? That's all good. All good. But you're yeah.\n\nYou're right. Well, we can't actually talk to him. He won't give us any of the information, unfortunately. We'll just sort of need a specific currency. But even if you can, I don't know, email him and go, hey?\n\nCan you send me the updated details of the policy that was put in place and see if he can email it to you. Yeah. Use him if, you know, he gets a a fee for holding the poll for looking after the policy for you, so you may as well get him to email you the to be a currency, confirm the new policy going forward. Yeah. That's okay.\n\nThat's alright. I'll get Samantha to follow-up with you either later today or tomorrow just to sort of see if you're able to grab that number for us just so we can make sure everything is, you know, in incorrect order for you. Okay? Absolutely. Yeah.\n\nYeah. Definitely. Yep. And if you find there is something not in place and you do need insurances, let me know because I can help you with that, and we can always look at what you need, what you wanna be counted for, what the cost is, and how we make that more efficient for you. Okay?\n\nYep. Excellent. All good. Easy. Feel free to take some time to read you that document.\n\nI sort of try to go through it fairly briefly, just giving you the information you need. But read it through. You've got advantages, disadvantages, risks involved with Outline, how we'll implement the advice to make it easier on you. And, yeah, if you decide you wanna increase those regular pension payments to $1,400, on the last page, you've got a line that has multiliner text box. You can just write in there, increase pension to $1,400 per week, and I can always make sure that happens for you if you decide to go that way.\n\nOkay? Yeah. Easy. Do you have any questions, Darren? I know it's a lot.\n\nI'm so sorry. Yep. All good. Yeah. So you can just leave that instruction.\n\nYep. Yep. Yep. Beautiful. Did you wanna put a note in that multiline to say to increase the pension payments?\n\nAre you happy just the 1,200 for the moment and then just to take it one off when you need it? Yep. Fantastic. All good. If any questions come out of it, let me know.\n\nOther than that, we'll get that implemented nice and quick and start the attention payments for you. Okay? Let's see. Beautiful. '20 third is the seventh.\n\nYeah. I think because they uploaded it yesterday. Yeah. Sorry about that. That's okay.\n\nSorry about that. Yep. And then if yes. You click there should be a button that says next or finish or yep. Perfect.\n\nWe will. Yes. So when the team download the documents, they'll give you a call and get your bank account information. They'll do it so it's not on a recorded line. So because our lines are recorded, they'll send the recording off to get your bank information.\n\nWe don't wanna do anything that's gonna, you know, hold that information on a recorded line for security, and then they'll open the pen they'll open the send the application to you to have the pension payment opened. It takes about seven days for that to be completely open, so you're not expecting any additional money from your employer to go into your suit. But that's all being paid now from last time that we spoke, isn't it? Yes. Beautiful.\n\nBeautiful. Beautiful. So we'll set your pension payment up nice and quick. How it'll work is you sign this. I've just got a fax to thank you for that.\n\nThe team will give you a call either the second or tomorrow to get your bank details. They'll open they'll put through the pension application, send it to you to be signed. Once you've signed that, we'll open the pension account up. It takes about seven days to do it because all the investors are in cc'd over into the new pension account. And then as soon as that's open, we'll get your pension drawdown started.\n\nYou can decide what day you want that. Is there a certain day you would like those pension payments to be received from your super fund? Yep. Beautiful. On a Friday.\n\nLovely. I'll let them know you want it on a Friday, and I'll make that happen as soon as it's open. So they'll let you know the first Friday you receive those pension payments down. And then, yeah, we'll do the investments which after we start those pension payments. That way, you're not you know, you get that money started nice and quickly for you.\n\nIn the meantime, if you decide, once we move into pension phase, you need any additional money at any time, you can just call me, tell me. We can do it as a transaction without advice. You just give me the direction, and I can organize that paperwork nice and quick. I just run down the risk of taking extra money out for you. As long as you're comfortable with that, we can do those with the withdrawals whenever you need nice and quickly for you, and we'll just keep reviewing those pensions to make sure that the investments are working, that the that the account is working for you, and that your super last as long as possible.\n\nOkay? Beautiful. Easy. Thank you so much for that. I really appreciated the time today.\n\nI'm so sorry. It is a lot to go through, but feel free to have a read to the document if you wanted to kind of run your eyes over any of that. But I'm very excited to put this in place for you. I think it's great you're living your life. Easy.\n\nThank you. Yeah. You're right. Yep. Absolutely.\n\nAwesome. Thank you so much for that, Darren. You have a lovely day. We'll get this started nice and quick for you. My pleasure.\n\nEnjoy your day. Thank you for your time. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Darren.","start":2.72,"end":3.52,"sentiment":"neutral","sentiment_score":0.13628650456666946},{"text":"It's Dana Dana from Mercy Financial.","start":3.52,"end":5.8599997,"sentiment":"neutral","sentiment_score":0.1693784867723783},{"text":"How are you?","start":5.92,"end":6.74,"sentiment":"neutral","sentiment_score":0.19758267203966776},{"text":"Yeah.","start":9.36,"end":9.679999,"sentiment":"neutral","sentiment_score":0.21921919286251068},{"text":"Good.","start":9.679999,"end":10.0,"sentiment":"positive","sentiment_score":0.5093070268630981}],"sentiment":"neutral","sentiment_score":0.2007783204317093,"num_words":13,"start":2.72,"end":10.0},{"sentences":[{"text":"Thank you.","start":10.0,"end":10.719999,"sentiment":"positive","sentiment_score":0.6441672742366791},{"text":"I had you booked in this morning just to go through your updated statement of advice, and that's a good time there for you.","start":10.719999,"end":15.975,"sentiment":"positive","sentiment_score":0.5356853045523167},{"text":"Fantastic.","start":19.175,"end":19.675,"sentiment":"positive","sentiment_score":0.6275596618652344},{"text":"What I'll do is I'm gonna send you an email with a copy of the document.","start":19.975,"end":23.255001,"sentiment":"neutral","sentiment_score":0.25358663965016603},{"text":"Are you able to jump into your email, Sarah, and grab that one at all?","start":23.255001,"end":26.555,"sentiment":"neutral","sentiment_score":0.14145160714785257}],"sentiment":"positive","sentiment_score":0.3612327907105972,"num_words":58,"start":10.0,"end":26.555},{"sentences":[{"text":"If you if you're not, that's okay.","start":27.975,"end":29.915,"sentiment":"neutral","sentiment_score":-0.03437679048095431},{"text":"All good.","start":34.09,"end":34.91,"sentiment":"neutral","sentiment_score":0.27684956789016724},{"text":"Easy.","start":36.57,"end":37.07,"sentiment":"neutral","sentiment_score":0.3296926021575928},{"text":"Just all that is coming through to you there.","start":37.449997,"end":39.71,"sentiment":"neutral","sentiment_score":0.29199614293045467},{"text":"Just to let you know, we do record our calls for quality and training purposes.","start":39.77,"end":42.97,"sentiment":"neutral","sentiment_score":0.16243995825449625}],"sentiment":"neutral","sentiment_score":0.16786231955184655,"num_words":34,"start":27.975,"end":42.97},{"sentences":[{"text":"Are you happy for me to proceed with that?","start":42.97,"end":45.149998,"sentiment":"neutral","sentiment_score":0.2159289452764723},{"text":"Excellent.","start":49.144997,"end":49.644997,"sentiment":"positive","sentiment_score":0.4658793807029724},{"text":"All good.","start":49.704998,"end":50.445,"sentiment":"positive","sentiment_score":0.4546261131763458},{"text":"And just to do a really quick security test there with you as well, just to confirm your full name, your date of birth, and address I should have on file.","start":50.905,"end":57.24,"sentiment":"neutral","sentiment_score":0.20688987787692778},{"text":"Yep.","start":62.52,"end":63.02,"sentiment":"neutral","sentiment_score":0.036611407995224}],"sentiment":"neutral","sentiment_score":0.22201567583463408,"num_words":44,"start":42.97,"end":63.02},{"sentences":[{"text":"Beautiful.","start":65.0,"end":65.5,"sentiment":"neutral","sentiment_score":0.32215094566345215},{"text":"Thank you so much for that.","start":65.56,"end":67.1,"sentiment":"positive","sentiment_score":0.5763929883639017},{"text":"How's your morning been so far?","start":67.240005,"end":69.1,"sentiment":"neutral","sentiment_score":0.32561380167802173},{"text":"Oh, that's good.","start":71.575,"end":72.634995,"sentiment":"positive","sentiment_score":0.35225974520047504},{"text":"Excellent.","start":72.695,"end":73.195,"sentiment":"positive","sentiment_score":0.37889033555984497}],"sentiment":"positive","sentiment_score":0.4217565445338978,"num_words":17,"start":65.0,"end":73.195},{"sentences":[{"text":"Now when you've got that one open there, there might be a little button that says sign.","start":74.615,"end":78.454994,"sentiment":"neutral","sentiment_score":0.06773129938279882},{"text":"If you press that button, it lets you go through so you can view the document, but I'll never ask you to sign anything you have not read.","start":78.454994,"end":84.375,"sentiment":"neutral","sentiment_score":0.043892083157386096},{"text":"Okay?","start":84.375,"end":84.875,"sentiment":"neutral","sentiment_score":0.058955296874046326},{"text":"Excellent.","start":87.55,"end":88.05,"sentiment":"neutral","sentiment_score":0.28062862157821655},{"text":"So with this one here, this advice document on the very front page has been prepared for yourself.","start":88.11,"end":93.55,"sentiment":"neutral","sentiment_score":0.14706375325719515}],"sentiment":"neutral","sentiment_score":0.08257141376917179,"num_words":65,"start":74.615,"end":93.55},{"sentences":[{"text":"Our advice is valid for sixty days from the date on the document there.","start":93.55,"end":97.33,"sentiment":"neutral","sentiment_score":0.0973472600536687},{"text":"In the on the bottom of the front page, it has my license number registration for you.","start":98.424995,"end":102.505,"sentiment":"neutral","sentiment_score":0.08287052634884329},{"text":"So I'm a licensed adviser registered through AISC, and my registration number is 1304394.","start":102.505,"end":108.765,"sentiment":"neutral","sentiment_score":0.0740600156464747},{"text":"If you scroll forward to page number three, four, and five, you'll see where the areas that we have goes in and out with regards to the advice.","start":109.384995,"end":117.38,"sentiment":"neutral","sentiment_score":0.05366720146100436},{"text":"So you've now retired, which is fantastic.","start":117.44,"end":120.58,"sentiment":"positive","sentiment_score":0.7694553903170994}],"sentiment":"neutral","sentiment_score":0.13371712726075202,"num_words":80,"start":93.55,"end":120.58},{"sentences":[{"text":"You're wanting to draw out income payments of $1,200 on a weekly basis to make sure you can survive between now to August.","start":121.2,"end":128.675,"sentiment":"positive","sentiment_score":0.5329976457616558},{"text":"And then when we get close to 67, we'll look at, you know, what Centrelink entitlement you're able to obtain from there.","start":128.675,"end":134.535,"sentiment":"neutral","sentiment_score":0.129854734309695},{"text":"Okay?","start":134.675,"end":135.175,"sentiment":"neutral","sentiment_score":0.05926815792918205},{"text":"Oh, okay.","start":140.87,"end":141.51,"sentiment":"neutral","sentiment_score":0.16825738549232483},{"text":"We'll just need to go back and update that for you.","start":141.51,"end":144.63,"sentiment":"neutral","sentiment_score":0.14595976200970737}],"sentiment":"neutral","sentiment_score":0.2901201748873218,"num_words":59,"start":121.2,"end":144.63},{"sentences":[{"text":"We can do one of the two ways.","start":144.63,"end":146.25,"sentiment":"neutral","sentiment_score":0.06899103103205562},{"text":"So on the last page of the advice document, you do have, like, an a section where you can know that you wanna increase that 1,400 per week, or I can always go back and just update the advice.","start":146.79001,"end":159.08499,"sentiment":"neutral","sentiment_score":0.06489301769015117},{"text":"Did you want me to just take the instruction for you and you have that noted on the last page, or did you want me to update the advice to reflect that for you?","start":159.625,"end":167.485,"sentiment":"neutral","sentiment_score":0.04677810070707517},{"text":"Update the advice?","start":167.58,"end":170.91,"sentiment":"neutral","sentiment_score":0.03317605145275593},{"text":"Yeah.","start":171.825,"end":172.325,"sentiment":"neutral","sentiment_score":0.04640069231390953}],"sentiment":"neutral","sentiment_score":0.05669576716335381,"num_words":85,"start":144.63,"end":172.325},{"sentences":[{"text":"That's okay.","start":173.24,"end":175.155,"sentiment":"neutral","sentiment_score":0.060553498566150665},{"text":"What I'll do so we've got yeah.","start":176.07,"end":183.835,"sentiment":"neutral","sentiment_score":-0.0019102852259363448},{"text":"So we've got one of two ways.","start":183.835,"end":185.195,"sentiment":"neutral","sentiment_score":0.03976032882928848},{"text":"So because with the advice document, we have recommended $1,200 per week, we've kind of factored everything in on that, so the projected outcome, all those bits and pieces.","start":185.195,"end":195.695,"sentiment":"neutral","sentiment_score":0.06781137047399735},{"text":"I can go back and just update this.","start":196.37,"end":198.95,"sentiment":"neutral","sentiment_score":0.05605068616569042}],"sentiment":"neutral","sentiment_score":0.0528489157627776,"num_words":53,"start":173.24,"end":198.95},{"sentences":[{"text":"Or on the last page, you can just make a note saying you wanna increase that weekly payment to $1,400, and that's just a a a direction made by yourself.","start":199.01,"end":208.55,"sentiment":"neutral","sentiment_score":0.11356270921727021},{"text":"It means we don't update the advice document, but we can just reflect that in your pension payments for you.","start":208.865,"end":215.445,"sentiment":"neutral","sentiment_score":0.09452091678977012},{"text":"It's up to you.","start":215.505,"end":216.225,"sentiment":"neutral","sentiment_score":0.029557972215116024},{"text":"What would you prefer?","start":216.225,"end":217.285,"sentiment":"neutral","sentiment_score":0.006213934626430273},{"text":"You sure?","start":220.625,"end":221.365,"sentiment":"neutral","sentiment_score":-0.0042453289206605405}],"sentiment":"neutral","sentiment_score":0.09053160969730621,"num_words":60,"start":199.01,"end":221.365},{"sentences":[{"text":"Yeah.","start":222.25,"end":222.75,"sentiment":"neutral","sentiment_score":0.03456626087427139},{"text":"Are you sure?","start":226.81001,"end":227.61,"sentiment":"neutral","sentiment_score":0.04266654017070929},{"text":"Yeah.","start":227.61,"end":227.85,"sentiment":"neutral","sentiment_score":0.1764136552810669},{"text":"That's okay.","start":227.85,"end":228.59001,"sentiment":"neutral","sentiment_score":0.2826712876558304},{"text":"No worries.","start":228.73001,"end":229.45001,"sentiment":"neutral","sentiment_score":0.17713937163352966}],"sentiment":"neutral","sentiment_score":0.13984453947179848,"num_words":9,"start":222.25,"end":229.45001},{"sentences":[{"text":"What I'll do, if you change your mind or if you need an updated bulk payment, let me know because you'll be in pension phase.","start":229.45001,"end":236.265,"sentiment":"neutral","sentiment_score":0.2488185667991638},{"text":"You can absolutely do that.","start":236.265,"end":238.685,"sentiment":"positive","sentiment_score":0.7448181748390198},{"text":"What I'll get you to do when you decide you need those extra funds coming out, just give me a call.","start":238.905,"end":244.185,"sentiment":"neutral","sentiment_score":0.29452756189164664},{"text":"Let me know you wanna do a transaction without advice because it's the quickest way to get up regular like, an updated one off payment out.","start":244.185,"end":253.38,"sentiment":"neutral","sentiment_score":0.22519911768344733},{"text":"And just tell me how much you need, whether you want it taken from all the investments or whether you want the payment quickly from just one or two investments.","start":253.38,"end":260.84,"sentiment":"neutral","sentiment_score":0.14724449266990025}],"sentiment":"neutral","sentiment_score":0.24674902508191973,"num_words":107,"start":229.45001,"end":260.84},{"sentences":[{"text":"And just let me know you want that without advice, and I can do that payment quickly for you whenever you need it.","start":261.46,"end":268.505,"sentiment":"positive","sentiment_score":0.3412758688563886},{"text":"Okay?","start":268.505,"end":269.005,"sentiment":"neutral","sentiment_score":0.11560560017824172},{"text":"Yeah.","start":273.14502,"end":273.46503,"sentiment":"neutral","sentiment_score":0.02148463204503059},{"text":"It's just you're right.","start":273.46503,"end":276.125,"sentiment":"neutral","sentiment_score":0.03501612786203623},{"text":"Yeah.","start":277.34,"end":277.81998,"sentiment":"neutral","sentiment_score":0.033390775322914124}],"sentiment":"neutral","sentiment_score":0.27199635008970896,"num_words":30,"start":261.46,"end":277.81998},{"sentences":[{"text":"Just that number there that comes directly through.","start":277.81998,"end":280.24,"sentiment":"neutral","sentiment_score":0.03173879534006119},{"text":"Alternatively, the other number we use, the main number we use is the 1300 number.","start":280.46,"end":285.52,"sentiment":"neutral","sentiment_score":0.02819377202540636},{"text":"Yeah.","start":287.9,"end":288.13998,"sentiment":"neutral","sentiment_score":0.018121402710676193},{"text":"It's on the front of that doc.","start":288.13998,"end":289.75998,"sentiment":"neutral","sentiment_score":0.015948924901229993},{"text":"Yeah.","start":290.035,"end":290.275,"sentiment":"neutral","sentiment_score":0.02212082222104073}],"sentiment":"neutral","sentiment_score":0.025896926323184744,"num_words":32,"start":277.81998,"end":290.275},{"sentences":[{"text":"It's on the front of that document there.","start":290.275,"end":291.875,"sentiment":"neutral","sentiment_score":0.015719825867563486},{"text":"I know we have a lot of phone lines, essentially, but it is on the front of the document on the bottom there.","start":291.875,"end":297.715,"sentiment":"neutral","sentiment_score":0.020755665822197563},{"text":"So if you wanted to call that 1300 number, that'll come through.","start":297.715,"end":300.775,"sentiment":"neutral","sentiment_score":0.0562369596833984},{"text":"My team will let me know.","start":300.995,"end":302.115,"sentiment":"neutral","sentiment_score":0.15158003568649292},{"text":"If I'm available, I'll always take the call and just like, hey, Dana.","start":302.115,"end":305.64,"sentiment":"neutral","sentiment_score":0.11342437106829423}],"sentiment":"neutral","sentiment_score":0.059064185081590566,"num_words":62,"start":290.275,"end":305.64},{"sentences":[{"text":"I need a I need a a one off payment of this amount for this reason.","start":305.64,"end":310.06,"sentiment":"neutral","sentiment_score":-0.012927057105116546},{"text":"I need it ASAP.","start":310.36002,"end":311.42,"sentiment":"neutral","sentiment_score":-0.07251821365207434},{"text":"Can you do it without advice?","start":311.88,"end":313.4,"sentiment":"neutral","sentiment_score":-0.1808119515577952},{"text":"And I'll process that and get the form ready for you to sign nice and quickly.","start":313.4,"end":317.5,"sentiment":"neutral","sentiment_score":0.1594758895225823},{"text":"Okay?","start":317.64,"end":318.14,"sentiment":"neutral","sentiment_score":0.08813534677028656}],"sentiment":"neutral","sentiment_score":0.02460400236034116,"num_words":43,"start":305.64,"end":318.14},{"sentences":[{"text":"Easy.","start":320.895,"end":321.395,"sentiment":"positive","sentiment_score":0.6713399291038513},{"text":"Easy.","start":321.695,"end":322.095,"sentiment":"positive","sentiment_score":0.5134646892547607},{"text":"That's okay.","start":322.095,"end":322.995,"sentiment":"positive","sentiment_score":0.4213694632053375},{"text":"So what I'll do is I'll go through this with you to make it nice and quick.","start":323.375,"end":326.595,"sentiment":"neutral","sentiment_score":0.30292213401373697},{"text":"Essentially, if you can just because you'll get a chance to go back and read the document anyway afterwards.","start":327.055,"end":331.715,"sentiment":"neutral","sentiment_score":0.1709764282170095}],"sentiment":"neutral","sentiment_score":0.2606442989781499,"num_words":40,"start":320.895,"end":331.715},{"sentences":[{"text":"But if you can kinda go down for me just the page number.","start":332.03,"end":336.13,"sentiment":"neutral","sentiment_score":0.07879761864359562},{"text":"Sorry.","start":336.99002,"end":337.31,"sentiment":"neutral","sentiment_score":-0.003922712989151478},{"text":"I'm scrolling through.","start":337.31,"end":338.53,"sentiment":"neutral","sentiment_score":-0.007325368467718363},{"text":"Number 20.","start":340.03,"end":340.93002,"sentiment":"neutral","sentiment_score":0.014010625425726175},{"text":"Yeah.","start":343.63,"end":344.13,"sentiment":"neutral","sentiment_score":0.24439910054206848}],"sentiment":"neutral","sentiment_score":0.06354452876839786,"num_words":20,"start":332.03,"end":344.13},{"sentences":[{"text":"Perfect.","start":346.165,"end":346.665,"sentiment":"positive","sentiment_score":0.49500131607055664},{"text":"So last time we so what I'm gonna recommend we do for you to start with is that we'll move into pension phase.","start":347.20502,"end":353.785,"sentiment":"neutral","sentiment_score":0.2000502568224202},{"text":"So we're gonna transfer everything from your accumulation phase into the eight pension phase.","start":354.08502,"end":359.30502,"sentiment":"neutral","sentiment_score":0.15555384968008315},{"text":"Once we have you in pension phase, we'll set up your regular pension pages of $1,200 per week so you receive those nice and quickly.","start":359.59998,"end":366.25998,"sentiment":"neutral","sentiment_score":0.30792995512485505},{"text":"But we're also gonna do an investment switch.","start":366.56,"end":369.12,"sentiment":"neutral","sentiment_score":0.04735656059347093}],"sentiment":"neutral","sentiment_score":0.2162114433996694,"num_words":71,"start":346.165,"end":369.12},{"sentences":[{"text":"So as we kinda went through, there are some investments that have been underperforming, and we're also looking to reduce your risk level a little bit as well.","start":369.12,"end":378.205,"sentiment":"neutral","sentiment_score":0.007376514707825014},{"text":"So, essentially, what we're looking to do with on this page, you'll see all the the red and the green there.","start":378.66498,"end":388.09,"sentiment":"neutral","sentiment_score":0.053493411147168705},{"text":"We're going to essentially sell off the ACDC, so remove that from your portfolio.","start":388.22998,"end":392.72998,"sentiment":"neutral","sentiment_score":-0.020943799056112766},{"text":"We're also removing that along Australian equities because that has been underperforming.","start":393.03,"end":396.72998,"sentiment":"neutral","sentiment_score":-0.05759666297429552},{"text":"We're also removing the bank hybrids because they are being phased out by the government in the future.","start":397.50998,"end":402.525,"sentiment":"neutral","sentiment_score":-0.04375800943105585}],"sentiment":"neutral","sentiment_score":-0.004753906089532119,"num_words":93,"start":369.12,"end":402.525},{"sentences":[{"text":"This is more of a complex investment, and the government is trying to streamline investments to make them a little bit less complex, make them easier for everyone to understand.","start":402.525,"end":410.625,"sentiment":"neutral","sentiment_score":0.04829253343244393},{"text":"So they are trying to remove some of these more complex investments out.","start":410.925,"end":414.51,"sentiment":"neutral","sentiment_score":-0.061124279808539614},{"text":"We're better to move them now while we're making some big changes to your portfolio rather than to hold on to them till later on.","start":414.59,"end":420.69,"sentiment":"neutral","sentiment_score":0.027304128110408783},{"text":"Physical gold is really well performing in your portfolio.","start":422.11002,"end":425.25,"sentiment":"neutral","sentiment_score":0.2662094367874993},{"text":"We wanna hold a little bit more of that, about 10%, so we're gonna buy some more physical gold.","start":425.31,"end":430.13,"sentiment":"neutral","sentiment_score":0.1318303587797441}],"sentiment":"neutral","sentiment_score":0.06497318037630369,"num_words":96,"start":402.525,"end":430.13},{"sentences":[{"text":"The cybersecurity investment has been performing a little bit up and down this year.","start":431.445,"end":436.245,"sentiment":"neutral","sentiment_score":-0.05072704915489469},{"text":"It is a good investment to have.","start":436.245,"end":438.005,"sentiment":"positive","sentiment_score":0.6412942494664874},{"text":"We are gonna, sort of, retain that investment, but we only wanna hold 3%.","start":438.005,"end":442.165,"sentiment":"neutral","sentiment_score":0.07527508719691209},{"text":"So we are gonna sell some of that down.","start":442.165,"end":444.345,"sentiment":"neutral","sentiment_score":-0.11131397469176187},{"text":"You're a bit overexposed at the moment.","start":445.17,"end":447.03,"sentiment":"negative","sentiment_score":-0.3783017567225865}],"sentiment":"neutral","sentiment_score":0.023192043324895932,"num_words":51,"start":431.445,"end":447.03},{"sentences":[{"text":"You've got the core composite bonds.","start":447.81,"end":449.65,"sentiment":"neutral","sentiment_score":0.04288981047769388},{"text":"These are more of a defensive investment.","start":449.65,"end":451.43,"sentiment":"neutral","sentiment_score":0.11260663185800825},{"text":"So bonds think of them a bit like term deposits.","start":452.05,"end":455.01,"sentiment":"neutral","sentiment_score":0.08945586197078229},{"text":"You're putting money into the corporate or the corporate or the government bonds, and they're making income payments back to you while they hold that money.","start":455.01,"end":465.13498,"sentiment":"neutral","sentiment_score":0.07527704780491498},{"text":"Bonds are more defensive in nature.","start":465.835,"end":467.51498,"sentiment":"neutral","sentiment_score":0.1659922848145167}],"sentiment":"neutral","sentiment_score":0.0889691064980897,"num_words":55,"start":447.81,"end":467.51498},{"sentences":[{"text":"They do get a lower rate of return, but as we are in pension phase, we wanna have more income producing funds and see less of those market ups and downs.","start":467.51498,"end":474.99,"sentiment":"neutral","sentiment_score":0.08846920019676609},{"text":"So having more of these now portfolio is a good thing.","start":475.22998,"end":478.21,"sentiment":"positive","sentiment_score":0.42623635313727637},{"text":"With your portfolio, we wanna hold 25%.","start":478.50998,"end":481.22998,"sentiment":"neutral","sentiment_score":0.20246589609554835},{"text":"We only have 6% at the moment, so we are gonna buy a bit more into those defensive investments to lower your risk level.","start":481.22998,"end":487.41,"sentiment":"neutral","sentiment_score":0.0840327659000953},{"text":"Okay.","start":487.47,"end":487.97,"sentiment":"neutral","sentiment_score":0.04723598062992096}],"sentiment":"neutral","sentiment_score":0.14746525304744373,"num_words":74,"start":467.51498,"end":487.97},{"sentences":[{"text":"The S and P 500, at the moment, you've got about 30% there.","start":489.77502,"end":493.375,"sentiment":"neutral","sentiment_score":0.057557473389001995},{"text":"We wanna reduce risk a little bit for you, so we're gonna sell off some of that and only hold 20% of the S and P 500, so it's the top 500 companies in The US.","start":493.375,"end":502.355,"sentiment":"neutral","sentiment_score":0.06496571252743404},{"text":"You've got the VerneX property in there as well.","start":502.89,"end":505.47,"sentiment":"neutral","sentiment_score":0.108315486047003},{"text":"We're going to sell all of that down.","start":505.77,"end":507.61002,"sentiment":"neutral","sentiment_score":0.12832960207015276},{"text":"It's more of a growth asset, and we're looking to reduce risk for you.","start":507.61002,"end":511.63,"sentiment":"neutral","sentiment_score":0.21149103024176188}],"sentiment":"neutral","sentiment_score":0.10061704274266958,"num_words":80,"start":489.77502,"end":511.63},{"sentences":[{"text":"You've also got the beta sales Raffi a 200 in there.","start":511.93,"end":515.265,"sentiment":"neutral","sentiment_score":0.10751560939983888},{"text":"So that's some of the top 200 companies in Australia.","start":515.34503,"end":517.925,"sentiment":"neutral","sentiment_score":0.06390764303505421},{"text":"We are going to remove that investment wholly out of there, and then we're going to buy into some European exposure to give you access to all 16 European countries.","start":518.465,"end":528.405,"sentiment":"neutral","sentiment_score":0.02757185585796833},{"text":"The Vanguard All World SUS, this is giving you exposure to the entire globe minus The US because we have the S and P 500 above.","start":528.8,"end":538.25995,"sentiment":"neutral","sentiment_score":0.04114416399254249},{"text":"The BetaShares a 200, that's giving you exposure to the top 200 companies on the Australian ASX.","start":539.04,"end":545.265,"sentiment":"neutral","sentiment_score":0.06507618103505057}],"sentiment":"neutral","sentiment_score":0.05132922500946579,"num_words":94,"start":511.93,"end":545.265},{"sentences":[{"text":"It's more of a lower cost investment, and it's providing you with greater diversification.","start":545.265,"end":549.525,"sentiment":"positive","sentiment_score":0.6735095850058964},{"text":"So we're keep we're going to buy that to give you some Australian equity exposure.","start":549.985,"end":555.60504,"sentiment":"positive","sentiment_score":0.5813737173875173},{"text":"And then on the last page, we've got the high interest cash account.","start":556.86,"end":560.88,"sentiment":"neutral","sentiment_score":0.22074186687286085},{"text":"So the other side of lowering your risk level is about making sure that you do have a defensive investment.","start":560.94,"end":567.04004,"sentiment":"neutral","sentiment_score":0.2828621409833431},{"text":"This is looking at high yielding cash accounts, so cash accounts that pay good dividends and good income payments, and we wanna hold 10% there for you as well.","start":567.10004,"end":576.145,"sentiment":"positive","sentiment_score":0.4620848986609229}],"sentiment":"positive","sentiment_score":0.4404075725392981,"num_words":91,"start":545.265,"end":576.145},{"sentences":[{"text":"So we'll be buying into that investment.","start":576.145,"end":577.925,"sentiment":"neutral","sentiment_score":0.3302683745111738},{"text":"Okay?","start":578.465,"end":578.965,"sentiment":"neutral","sentiment_score":0.15411801636219025},{"text":"With your portfolio at the moment, you do have about 6% in cash.","start":580.945,"end":585.14,"sentiment":"neutral","sentiment_score":0.10683239996433258},{"text":"Within Netwealth, we certainly wanna hold 1% in cash, so we are going to buy you've got about 50,000 cash at the moment.","start":585.14,"end":592.74,"sentiment":"neutral","sentiment_score":0.14577740009712137},{"text":"It's a bit higher than where it should be.","start":592.74,"end":594.68,"sentiment":"neutral","sentiment_score":0.0069436004592312705}],"sentiment":"neutral","sentiment_score":0.1371734046008227,"num_words":53,"start":576.145,"end":594.68},{"sentences":[{"text":"So we're gonna essentially, take some of that cash and invest that in this portfolio as above for you.","start":594.74,"end":600.435,"sentiment":"neutral","sentiment_score":0.2723917349388725},{"text":"Alright?","start":600.435,"end":600.935,"sentiment":"neutral","sentiment_score":0.1105751246213913},{"text":"Beautiful.","start":602.275,"end":602.775,"sentiment":"positive","sentiment_score":0.6027442812919617},{"text":"That is a lot.","start":602.915,"end":603.795,"sentiment":"positive","sentiment_score":0.4883539378643036},{"text":"It's not always everyone's cup of tea, but do you have any questions about any of those investments?","start":603.795,"end":608.375,"sentiment":"neutral","sentiment_score":0.06436534505337477}],"sentiment":"neutral","sentiment_score":0.20931986818999745,"num_words":43,"start":594.74,"end":608.375},{"sentences":[{"text":"No.","start":612.68,"end":612.92,"sentiment":"neutral","sentiment_score":-0.034187234938144684},{"text":"That's okay.","start":612.92,"end":613.82,"sentiment":"neutral","sentiment_score":0.10458486527204514},{"text":"Yeah.","start":616.36,"end":616.86,"sentiment":"neutral","sentiment_score":0.045012012124061584},{"text":"We did.","start":621.4,"end":622.04004,"sentiment":"neutral","sentiment_score":0.06428618729114532},{"text":"Yes.","start":622.04004,"end":622.54004,"sentiment":"neutral","sentiment_score":0.07274581491947174}],"sentiment":"neutral","sentiment_score":0.06018752817596708,"num_words":7,"start":612.68,"end":622.54004},{"sentences":[{"text":"Yeah.","start":622.90497,"end":623.14496,"sentiment":"neutral","sentiment_score":0.09058509021997452},{"text":"Correct.","start":623.14496,"end":623.625,"sentiment":"neutral","sentiment_score":0.12091074883937836},{"text":"So I did have a look at Netwealth, how twenty four minuteor and other super funds.","start":623.625,"end":629.005,"sentiment":"neutral","sentiment_score":0.0839923657476902},{"text":"The main difference is the reason I decided to stay with Netwealth is that with with moving in if you had a sort of move between any other funds whilst in the accumulation phase of super account work the way it is now, there's a higher CGT cost.","start":629.46497,"end":645.16,"sentiment":"neutral","sentiment_score":-0.05528039978041003},{"text":"Your super fund likely pays tax every year.","start":645.16,"end":647.715,"sentiment":"neutral","sentiment_score":-0.04501897608861327}],"sentiment":"neutral","sentiment_score":-0.019705909556029615,"num_words":74,"start":622.90497,"end":647.715},{"sentences":[{"text":"And in accumulation phase, the tax is applicable.","start":648.11505,"end":651.17505,"sentiment":"neutral","sentiment_score":-0.03030886547639966},{"text":"So moving out of net wealth into, say, hub 24 other funds now, while it did reduce your admin fees just a little bit, it wasn't enough to really offset the capital gains consequences.","start":651.79504,"end":662.215,"sentiment":"neutral","sentiment_score":-0.07137935564798467},{"text":"I also looked at moving into another fund, so rolling you into pension and then moving you into another fund.","start":663.17,"end":669.50995,"sentiment":"neutral","sentiment_score":-0.007175876665860415},{"text":"But that becomes very complex because we have to make sure you take the minimum pension payment for the year out of net wealth, then move you into a new fund, have it all reinvested, and then you have to start taking the minimum pension payment again.","start":669.97,"end":683.72504,"sentiment":"neutral","sentiment_score":-0.10520562846609886},{"text":"So it actually means that you would have had to have taken more out of your super fund for the year as a minimum pension payment upfront, which provided more of a disadvantage as well for you.","start":683.72504,"end":695.45996,"sentiment":"neutral","sentiment_score":-0.22999847277596192}],"sentiment":"neutral","sentiment_score":-0.11142119575189809,"num_words":146,"start":648.11505,"end":695.45996},{"sentences":[{"text":"So I did decide to stay with Netwealth because, a, it's a lot less complex, b, there was a lot more in the way of savings by having the funds remaining vested for you.","start":695.45996,"end":705.56,"sentiment":"neutral","sentiment_score":0.16210790745475712},{"text":"The reason we're moving into pension phase first before doing the investment switch is that in pension phase, you don't pay any capital gains tax or income tax.","start":706.525,"end":715.805,"sentiment":"neutral","sentiment_score":0.12843935351286614},{"text":"So by moving into pension phase first then switching the investment, there's no CGT consequences for your super fund, which is a benefit to you.","start":715.805,"end":724.12994,"sentiment":"neutral","sentiment_score":0.26079184234142305},{"text":"So that is a good thing.","start":724.12994,"end":726.23,"sentiment":"positive","sentiment_score":0.47233301649490994},{"text":"The administration fees, if you scroll down to page 23, this shows you the fee comparison table.","start":726.85,"end":732.70996,"sentiment":"neutral","sentiment_score":0.16807655464200413}],"sentiment":"neutral","sentiment_score":0.19380969398401,"num_words":110,"start":695.45996,"end":732.70996},{"sentences":[{"text":"Beautiful.","start":734.925,"end":735.425,"sentiment":"positive","sentiment_score":0.5708839893341064},{"text":"So the different columns there has zero, so there's no tax consequences for making the change in the investments, which is fantastic.","start":735.565,"end":741.745,"sentiment":"positive","sentiment_score":0.38842959769747476},{"text":"The administration fees are basically the same.","start":742.365,"end":745.165,"sentiment":"neutral","sentiment_score":0.23332364431449346},{"text":"And look, in all honesty, by moving into hub, it only reduced the administration fees by about 4 or $500 the third year.","start":745.165,"end":752.84,"sentiment":"neutral","sentiment_score":0.16772737775159918},{"text":"But the same as with every super fund, they're a tiered structure.","start":752.9,"end":756.28,"sentiment":"neutral","sentiment_score":0.019341462291777134}],"sentiment":"neutral","sentiment_score":0.22829889053335556,"num_words":65,"start":734.925,"end":756.28},{"sentences":[{"text":"So the more your balance increases, the more you pay an admin fee.","start":756.34,"end":760.18,"sentiment":"neutral","sentiment_score":0.015588343143463135},{"text":"So there wasn't as big a savings for moving the fund elsewhere.","start":760.18,"end":765.14496,"sentiment":"neutral","sentiment_score":0.0014759752278526623},{"text":"It really didn't provide you with any great advantage, and Netwealth is not a bad platform.","start":765.845,"end":770.745,"sentiment":"neutral","sentiment_score":0.2875876361504197},{"text":"It can it is one of the more expensive ones, but it is a great platform.","start":770.88495,"end":775.41,"sentiment":"positive","sentiment_score":0.3723858240991831},{"text":"And if you've had it for years and you understand it and like it, I have sort of had people move from Netwealth to Hub twenty four or other platforms, and then go, oh my god.","start":775.47,"end":783.79,"sentiment":"neutral","sentiment_score":0.04285127788575159}],"sentiment":"neutral","sentiment_score":0.13250087668258015,"num_words":93,"start":756.34,"end":783.79},{"sentences":[{"text":"These platforms are hard to kinda get used to.","start":783.79,"end":785.805,"sentiment":"neutral","sentiment_score":-0.013435504916641448},{"text":"So sometimes just sticking with what you have is a comfort level, but Netwealth is still a very great platform.","start":785.805,"end":792.765,"sentiment":"neutral","sentiment_score":0.31655961330980065},{"text":"There's nothing wrong with it.","start":792.765,"end":794.225,"sentiment":"positive","sentiment_score":0.5508493900299072},{"text":"They have a great frontier, and keeping you there means more money stays invested for you, which is important.","start":794.365,"end":800.385,"sentiment":"positive","sentiment_score":0.6144743859767914},{"text":"Okay?","start":800.765,"end":801.265,"sentiment":"neutral","sentiment_score":0.17680153250694275}],"sentiment":"positive","sentiment_score":0.38548767663262506,"num_words":54,"start":783.79,"end":801.265},{"sentences":[{"text":"Where's that?","start":807.69995,"end":808.75995,"sentiment":"neutral","sentiment_score":0.01749470690265298},{"text":"Oh, so that yeah.","start":809.06,"end":810.68,"sentiment":"neutral","sentiment_score":0.01235669944435358},{"text":"That's yeah.","start":811.69995,"end":813.69995,"sentiment":"neutral","sentiment_score":0.023125100880861282},{"text":"So that 13,000 is including our ongoing service fees.","start":813.69995,"end":816.855,"sentiment":"neutral","sentiment_score":0.04322974611487654},{"text":"You pay our ongoing service fee of 1.65% per annum.","start":816.935,"end":820.695,"sentiment":"neutral","sentiment_score":0.051180512830615046}],"sentiment":"neutral","sentiment_score":0.038205157654980816,"num_words":27,"start":807.69995,"end":820.695},{"sentences":[{"text":"That's all the fees total.","start":820.695,"end":822.135,"sentiment":"neutral","sentiment_score":0.05425198152661324},{"text":"The ongoing service fee plus the administration fees and investment fees, that's based on this table here.","start":822.135,"end":829.27496,"sentiment":"neutral","sentiment_score":0.05455228839727009},{"text":"Essentially, the admin fees don't change, but the investment fees do.","start":830.375,"end":834.41,"sentiment":"neutral","sentiment_score":0.029646575112234463},{"text":"So at the moment, you're paying about 3,410 in admin in investment fees.","start":834.41,"end":840.02997,"sentiment":"neutral","sentiment_score":0.09377335699704978},{"text":"The newer portfolio is actually cheaper, so we're saving about 2,230 with the newer portfolio.","start":840.41,"end":846.43,"sentiment":"neutral","sentiment_score":0.23137228886286418}],"sentiment":"neutral","sentiment_score":0.10187539525452208,"num_words":61,"start":820.695,"end":846.43},{"sentences":[{"text":"And the total cost the total cost of fees is reducing as well.","start":847.365,"end":851.445,"sentiment":"neutral","sentiment_score":0.07232547121552321},{"text":"So at the moment, your fees are slightly higher.","start":851.445,"end":854.265,"sentiment":"neutral","sentiment_score":-0.017108455300331116},{"text":"By changing the portfolio, we're actually lowering those for you.","start":854.405,"end":858.265,"sentiment":"neutral","sentiment_score":0.04641355983912945},{"text":"Okay?","start":858.325,"end":858.825,"sentiment":"neutral","sentiment_score":0.0036678947508335114},{"text":"Yep.","start":866.60004,"end":867.10004,"sentiment":"neutral","sentiment_score":-0.0001161067484645173}],"sentiment":"neutral","sentiment_score":0.03688065924977897,"num_words":34,"start":847.365,"end":867.10004},{"sentences":[{"text":"Yep.","start":867.64,"end":868.14,"sentiment":"neutral","sentiment_score":0.000356751203071326},{"text":"So it's not so so so so are you talking about your minimum pension payment amount?","start":872.69495,"end":884.31494,"sentiment":"neutral","sentiment_score":-0.016040084417909384},{"text":"Yeah.","start":890.17,"end":890.67,"sentiment":"neutral","sentiment_score":-0.006195873953402042},{"text":"Yep.","start":891.61,"end":892.11,"sentiment":"neutral","sentiment_score":0.0058268285356462},{"text":"Super.","start":893.05,"end":893.55,"sentiment":"neutral","sentiment_score":0.27191361784935}],"sentiment":"neutral","sentiment_score":0.0007629986474057659,"num_words":20,"start":867.64,"end":893.55},{"sentences":[{"text":"Yep.","start":893.77,"end":894.27,"sentiment":"neutral","sentiment_score":0.09753817319869997},{"text":"Yep.","start":894.89,"end":895.39,"sentiment":"neutral","sentiment_score":0.0418725423514843},{"text":"So it's actually age based.","start":895.45,"end":896.81,"sentiment":"neutral","sentiment_score":0.018808339908719062},{"text":"It's not so much about the super fund itself.","start":896.81,"end":898.97,"sentiment":"neutral","sentiment_score":-0.008386472369440727},{"text":"This is age based, and the minimum pension payments is set by the ACO.","start":898.97,"end":902.83496,"sentiment":"neutral","sentiment_score":0.00978757846834404}],"sentiment":"neutral","sentiment_score":0.009833342077520986,"num_words":30,"start":893.77,"end":902.83496},{"sentences":[{"text":"So between the ages 60 to 65, you have to take a minimum of 4% per year.","start":903.295,"end":909.475,"sentiment":"neutral","sentiment_score":0.002723642570130965},{"text":"From 60 five onwards, it's 5% per year.","start":909.69495,"end":912.675,"sentiment":"neutral","sentiment_score":0.014896912034600973},{"text":"It's the it's the same across every super fund.","start":913.74005,"end":916.62006,"sentiment":"neutral","sentiment_score":0.024886511266231537},{"text":"It's set by the ATO on a yearly basis, and they kind of look at that.","start":916.62006,"end":920.78,"sentiment":"neutral","sentiment_score":0.02917578991036862},{"text":"The idea is that when you're in pension phase, super is meant to be drawn down as an income stream.","start":920.78,"end":926.22003,"sentiment":"neutral","sentiment_score":0.042731923423707484}],"sentiment":"neutral","sentiment_score":0.024441527548645224,"num_words":70,"start":903.295,"end":926.22003},{"sentences":[{"text":"And years and years ago, they didn't have, like, a minimum pension payment, and people would just not take the pension.","start":926.22003,"end":933.075,"sentiment":"neutral","sentiment_score":-0.041423442551777476},{"text":"They would move into pension phase.","start":933.075,"end":934.67505,"sentiment":"neutral","sentiment_score":-0.005699139709273974},{"text":"They would stay there, not draw any money out of it, and then it would become more of a state planning thing.","start":934.67505,"end":940.29,"sentiment":"neutral","sentiment_score":0.0065431091087785635},{"text":"So they pass that super on to their kids and grandkids and things like that.","start":940.29,"end":944.55,"sentiment":"neutral","sentiment_score":0.026249859109520914},{"text":"Since then, the government has made it that because most people are relying on Centrelink and age pension.","start":945.08997,"end":951.26996,"sentiment":"neutral","sentiment_score":-0.029840569011867046}],"sentiment":"neutral","sentiment_score":-0.011018549841715068,"num_words":82,"start":926.22003,"end":951.26996},{"sentences":[{"text":"There's a lot of pressure on the government to sort of pay those benefits, and that pressure is only gonna increase as more and more people retire in the next sort of five to ten years.","start":951.32996,"end":960.865,"sentiment":"neutral","sentiment_score":-0.14841785695817736},{"text":"So they have a minimum pension payment requirement where from the age of if you're fully retired and you're in pension base, you have to take a minimum of 4% of your total balance each year, each financial year as a minimum pension payment.","start":961.565,"end":976.10004,"sentiment":"neutral","sentiment_score":-0.014602415242486379},{"text":"There's no maximum.","start":976.4,"end":977.38,"sentiment":"neutral","sentiment_score":-0.05392455495893955},{"text":"You're yeah.","start":977.68,"end":978.64,"sentiment":"neutral","sentiment_score":-0.0243881456553936},{"text":"Sorry.","start":978.64,"end":979.14,"sentiment":"neutral","sentiment_score":-0.048791877925395966}],"sentiment":"neutral","sentiment_score":-0.07261501110786962,"num_words":86,"start":951.32996,"end":979.14},{"sentences":[{"text":"Oh, absolutely.","start":984.805,"end":985.54504,"sentiment":"neutral","sentiment_score":0.10403338074684143},{"text":"It's yeah.","start":985.84503,"end":987.04504,"sentiment":"neutral","sentiment_score":0.13044733554124832},{"text":"Absolutely.","start":987.04504,"end":987.54504,"sentiment":"neutral","sentiment_score":0.241364061832428},{"text":"It's the minimum pension paid for you is about 28,400.","start":987.60504,"end":992.185,"sentiment":"neutral","sentiment_score":0.10473598092794419},{"text":"So your pension withdrawal noted here is 64,000 for the year based on $1,200 a week.","start":992.57,"end":998.89,"sentiment":"neutral","sentiment_score":0.09144131187349558}],"sentiment":"neutral","sentiment_score":0.10389504173109608,"num_words":31,"start":984.805,"end":998.89},{"sentences":[{"text":"So you've definitely covered that pension payment.","start":998.89,"end":1001.05,"sentiment":"positive","sentiment_score":0.4008039768253054},{"text":"That's absolutely fine.","start":1001.05,"end":1002.35,"sentiment":"positive","sentiment_score":0.4273335685332616},{"text":"If for any reason you don't get that full amount and you are just under the minimum, which you won't be, in June every year, all the super funds do, like, a little bit of a a calculation based on what you have taken, what your balance was on the July 1, and what you should have taken as a minimum pension payment.","start":1002.89,"end":1020.985,"sentiment":"neutral","sentiment_score":-0.05012987965037898},{"text":"If for any reason you haven't met that minimum, they just draw down an automatic one off pension payment to make sure you've covered that benefit.","start":1021.35,"end":1029.29,"sentiment":"neutral","sentiment_score":-0.104170311242342},{"text":"So a lot of people who were just not taking the minimum, who does not you're taking much at all, They often find that at the end of the financial year, they have an extra lump sum in their account, and the super fund has just automatically drawn that down.","start":1029.35,"end":1042.0851,"sentiment":"neutral","sentiment_score":-0.007218128144741058}],"sentiment":"neutral","sentiment_score":-0.014361666940502673,"num_words":149,"start":998.89,"end":1042.0851},{"sentences":[{"text":"But you've absolutely met that minimum, and the minimum gets more gets higher as you get older because as you get older, the government wants you to take more and more of your pension to supplement.","start":1042.0851,"end":1054.17,"sentiment":"neutral","sentiment_score":-0.0454889013328486},{"text":"They also assume that your health is going to deteriorate as you get older and older, and they want you to make sure you're taking as much of your pension payments as possible, utilizing your super income, essentially.","start":1054.23,"end":1066.255,"sentiment":"neutral","sentiment_score":-0.11372303614686978},{"text":"Yeah.","start":1066.875,"end":1067.375,"sentiment":"neutral","sentiment_score":0.04885458201169968},{"text":"Does that make sense?","start":1068.795,"end":1069.775,"sentiment":"neutral","sentiment_score":0.07363936118781567},{"text":"All good.","start":1072.3151,"end":1073.055,"sentiment":"positive","sentiment_score":0.40039779245853424}],"sentiment":"neutral","sentiment_score":-0.05944281740597001,"num_words":81,"start":1042.0851,"end":1073.055},{"sentences":[{"text":"Easy.","start":1073.275,"end":1073.775,"sentiment":"positive","sentiment_score":0.37935611605644226},{"text":"So, look, Netwealth is a great fund.","start":1074.155,"end":1075.915,"sentiment":"positive","sentiment_score":0.5876470250742776},{"text":"I do wanna keep it there for the time being.","start":1075.915,"end":1078.0951,"sentiment":"positive","sentiment_score":0.40690692365169523},{"text":"We can, as we are moving forward, I will every year do reviews with you and reassess super funds.","start":1078.155,"end":1083.78,"sentiment":"neutral","sentiment_score":0.28927040256951986},{"text":"If there's something that's better if there's a a reason to change, we absolutely can.","start":1083.78,"end":1088.12,"sentiment":"neutral","sentiment_score":0.13569564769665401}],"sentiment":"neutral","sentiment_score":0.30949090177623123,"num_words":52,"start":1073.275,"end":1088.12},{"sentences":[{"text":"If there's, you know, if the fees are getting too much, it's becoming more of an issue, we can absolutely look at other platforms.","start":1088.58,"end":1093.5549,"sentiment":"neutral","sentiment_score":-0.12340862878287832},{"text":"I just wanted to keep as much money in your favor as possible for you and make sure that we weren't having to draw too much out, make sure we weren't, you know, losing too much in the way of tax consequences as well, and just making sure that everything's safe for you because you're still young.","start":1093.615,"end":1109.71,"sentiment":"neutral","sentiment_score":0.19304869716104708},{"text":"Believe it or not, most people in their retirement live anywhere from twenty to forty years.","start":1109.71,"end":1114.9099,"sentiment":"neutral","sentiment_score":0.14855286944657564},{"text":"So that is technically a whole another lifetime in retirement, and we want your super to last as long as possible for you.","start":1114.9099,"end":1121.5951,"sentiment":"positive","sentiment_score":0.43327457295811694},{"text":"Okay?","start":1121.655,"end":1122.155,"sentiment":"neutral","sentiment_score":0.23939621448516848}],"sentiment":"neutral","sentiment_score":0.17044236323188158,"num_words":121,"start":1088.58,"end":1122.155},{"sentences":[{"text":"Easy.","start":1124.055,"end":1124.555,"sentiment":"positive","sentiment_score":0.48233258724212646},{"text":"It's also reducing the risk level as well, which is a good thing.","start":1124.6951,"end":1128.055,"sentiment":"positive","sentiment_score":0.557788378917254},{"text":"So you're going from that growth environment to 80% in those high risk assets down to about 60%, which is a good thing with just the risk level for you.","start":1128.055,"end":1138.59,"sentiment":"positive","sentiment_score":0.5122925221920014},{"text":"This is reducing the fees.","start":1138.59,"end":1140.11,"sentiment":"neutral","sentiment_score":0.26335911750793456},{"text":"And as I kinda mentioned, that 13,000, that's including our ongoing service fee as well, which based on your current balance is capped.","start":1140.11,"end":1147.33,"sentiment":"neutral","sentiment_score":0.13734311594263368}],"sentiment":"positive","sentiment_score":0.3830283949048155,"num_words":72,"start":1124.055,"end":1147.33},{"sentences":[{"text":"Moving forward from next year onwards, they are looking to change our fee structure, and our fee structure would become more of a tiered.","start":1147.735,"end":1154.7749,"sentiment":"neutral","sentiment_score":0.051306776547183595},{"text":"So at the moment, we cap our ongoing service fee at 600,000.","start":1154.7749,"end":1158.635,"sentiment":"neutral","sentiment_score":0.02533072466030717},{"text":"Moving forward, the fee structure won't be capped at 600,000, but the more your balance increases, the lower our fee percentage will get.","start":1159.095,"end":1167.2,"sentiment":"neutral","sentiment_score":0.11456122411333997},{"text":"So it'll be more of a tiered structure to provide a greater benefit.","start":1167.2,"end":1170.82,"sentiment":"neutral","sentiment_score":0.20746947939579302},{"text":"But I'll for now, for this year, we're keeping it exactly as it is, and I'll go through that and look at it next year with you as well.","start":1171.6799,"end":1179.285,"sentiment":"neutral","sentiment_score":0.20566462185876122}],"sentiment":"neutral","sentiment_score":0.12704571043279503,"num_words":101,"start":1147.735,"end":1179.285},{"sentences":[{"text":"Okay?","start":1179.345,"end":1179.845,"sentiment":"neutral","sentiment_score":0.09048493206501008},{"text":"Excellent.","start":1181.505,"end":1182.005,"sentiment":"positive","sentiment_score":0.4394027590751648},{"text":"And then you've got your withdrawals there as well.","start":1182.465,"end":1184.465,"sentiment":"neutral","sentiment_score":0.32225098212560016},{"text":"There's no insurance premiums coming out of your super, and the newer portfolio has averaged about a 9.15% on a yearly basis over the past five years.","start":1184.465,"end":1195.15,"sentiment":"neutral","sentiment_score":0.2674456313252449},{"text":"So whilst we're reducing the risk level for you, the balanced portfolio that we're moving you into has sort of kept up with inflation and has shown a great great return over the past five years.","start":1195.15,"end":1208.8049,"sentiment":"positive","sentiment_score":0.3817703471415573}],"sentiment":"neutral","sentiment_score":0.32966096044794935,"num_words":74,"start":1179.345,"end":1208.8049},{"sentences":[{"text":"So moving forward, so long as you can obviously get that kind of return each year depending on market conditions, on the next page, you can sort of see that we would expect your super balance.","start":1209.025,"end":1219.0449,"sentiment":"neutral","sentiment_score":0.2748929071757529},{"text":"This is not including Centrelink.","start":1219.3099,"end":1220.91,"sentiment":"neutral","sentiment_score":-0.024170227348804474},{"text":"This is just you taking the current pension drawdown every year.","start":1220.91,"end":1225.49,"sentiment":"neutral","sentiment_score":-0.022800228812477806},{"text":"We can sort of expect it to last up until the age of 87 at the moment.","start":1225.5499,"end":1230.85,"sentiment":"neutral","sentiment_score":0.11079361399306971},{"text":"Okay.","start":1231.23,"end":1231.73,"sentiment":"neutral","sentiment_score":0.09119633585214616}],"sentiment":"neutral","sentiment_score":0.16427398254828793,"num_words":70,"start":1209.025,"end":1231.73},{"sentences":[{"text":"Yeah.","start":1234.075,"end":1234.575,"sentiment":"neutral","sentiment_score":0.012492653913795948},{"text":"That is on the next one on page 24.","start":1235.915,"end":1238.255,"sentiment":"neutral","sentiment_score":0.019984972559743457},{"text":"Yeah.","start":1240.395,"end":1240.895,"sentiment":"neutral","sentiment_score":0.07695174217224121},{"text":"Yeah.","start":1243.675,"end":1244.175,"sentiment":"positive","sentiment_score":0.4643767476081848},{"text":"Beautiful.","start":1244.5,"end":1245.0,"sentiment":"positive","sentiment_score":0.6384234428405762}],"sentiment":"neutral","sentiment_score":0.10554687227480687,"num_words":13,"start":1234.075,"end":1245.0},{"sentences":[{"text":"I did have a look at Centrelink eligibility.","start":1245.2999,"end":1247.64,"sentiment":"neutral","sentiment_score":0.08759304555132985},{"text":"At the moment, based on your current assets, you are a bit above the Centrelink eligibility side of things, but there's obviously things that you're wanting to do, you know, assets you wanted to sell down in the future.","start":1248.02,"end":1259.72,"sentiment":"neutral","sentiment_score":0.027752689205301113},{"text":"So we'll definitely have a look at, obviously, what we can do.","start":1260.105,"end":1262.745,"sentiment":"neutral","sentiment_score":0.13108095185210308},{"text":"Age 67 is when you are eligible for age pension.","start":1262.745,"end":1265.865,"sentiment":"neutral","sentiment_score":0.0607306431978941},{"text":"So around about age 66, I'll definitely wanna have a bit more of a look at your assets liability, see what we can do there, Think we can shelter some more money as well to try and get you some age pension just because getting a bit of age pension means we can take less out of super, which makes super last a bit longer there for you.","start":1265.865,"end":1283.4401,"sentiment":"neutral","sentiment_score":0.18479291552349048}],"sentiment":"neutral","sentiment_score":0.12065179089940813,"num_words":137,"start":1245.2999,"end":1283.4401},{"sentences":[{"text":"But it also also provides you with the, you know, the health care card and things like that, and the benefits you get from the Centrelink age pension card and the health care card outweigh the dollar figure massively.","start":1284.3,"end":1295.375,"sentiment":"neutral","sentiment_score":0.23112672032454076},{"text":"So we'll have a look at that then.","start":1295.595,"end":1297.9149,"sentiment":"neutral","sentiment_score":0.15125552006065845},{"text":"But this sort of shows you that by drawing down this regular amount, you can see your super balance lasting quite nicely with the current fee structure and the current portfolio returns that it has been as well.","start":1297.9149,"end":1311.31,"sentiment":"neutral","sentiment_score":0.316236497540223},{"text":"And we'll keep reviewing this every year, updating the portfolio, making changes as we need to as well for you.","start":1311.31,"end":1317.105,"sentiment":"neutral","sentiment_score":0.20440513640642166},{"text":"Okay?","start":1317.345,"end":1317.845,"sentiment":"neutral","sentiment_score":0.0826839953660965}],"sentiment":"neutral","sentiment_score":0.24916754606759772,"num_words":106,"start":1284.3,"end":1317.845},{"sentences":[{"text":"Excellent.","start":1319.4249,"end":1319.9249,"sentiment":"positive","sentiment_score":0.5570639371871948},{"text":"Now the other thing I wanted to sort of go through with you is we were just looking to retain so you don't have any insurance that's coming out of your current fund there at the moment at all.","start":1320.785,"end":1330.62,"sentiment":"neutral","sentiment_score":0.06508398633927871},{"text":"You were happy to retain the Resolution Life policy.","start":1330.86,"end":1333.68,"sentiment":"positive","sentiment_score":0.41702379782994586},{"text":"We spoke to and did the research on the Resolution Life policy for you.","start":1334.62,"end":1340.16,"sentiment":"neutral","sentiment_score":0.21335497737995215},{"text":"They confirmed there that the life and trauma and the income protection policy, the policy ending in 1612, that was canceled as of June 2026.","start":1341.18,"end":1352.825,"sentiment":"neutral","sentiment_score":-0.1452987541258335}],"sentiment":"neutral","sentiment_score":0.07048925471661444,"num_words":88,"start":1319.4249,"end":1352.825},{"sentences":[{"text":"Do you remember speaking to the your previous adviser on that policy and having that canceled?","start":1352.825,"end":1357.805,"sentiment":"neutral","sentiment_score":-0.07383631938137114},{"text":"Did he?","start":1364.04,"end":1364.78,"sentiment":"neutral","sentiment_score":-0.11781174317002296},{"text":"Might have.","start":1365.8,"end":1366.52,"sentiment":"neutral","sentiment_score":-0.04137626476585865},{"text":"That's okay.","start":1366.52,"end":1367.34,"sentiment":"neutral","sentiment_score":-0.03338171262294054},{"text":"Yep.","start":1369.96,"end":1370.46,"sentiment":"neutral","sentiment_score":-0.07963943481445312}],"sentiment":"neutral","sentiment_score":-0.07157217330582764,"num_words":23,"start":1352.825,"end":1370.46},{"sentences":[{"text":"That's okay.","start":1376.115,"end":1376.9349,"sentiment":"neutral","sentiment_score":-0.03306169435381889},{"text":"If we can get a copy of the the newer policy, that'd be fantastic.","start":1377.1549,"end":1380.5349,"sentiment":"positive","sentiment_score":0.4510714305298669},{"text":"But in here, just note that policy number that had been canceled as of June 2026, and we were only able to do research on that particular policy.","start":1381.075,"end":1389.25,"sentiment":"neutral","sentiment_score":-0.006743529811501503},{"text":"So I just wanted to make sure I clarified that with you, and I wasn't scaring you in any way, shape, or form because we wanted to make sure.","start":1389.47,"end":1397.485,"sentiment":"neutral","sentiment_score":0.01891948481829002},{"text":"But he did set up a new policy with the life and trauma.","start":1397.485,"end":1400.6849,"sentiment":"neutral","sentiment_score":0.11089066759898113}],"sentiment":"neutral","sentiment_score":0.0936081574709956,"num_words":86,"start":1376.115,"end":1400.6849},{"sentences":[{"text":"Is that right?","start":1400.6849,"end":1401.585,"sentiment":"neutral","sentiment_score":0.10280358294645946},{"text":"Yep.","start":1404.125,"end":1404.625,"sentiment":"neutral","sentiment_score":0.0476890429854393},{"text":"Sure do.","start":1408.94,"end":1409.74,"sentiment":"neutral","sentiment_score":0.018588550854474306},{"text":"It is 811411612.","start":1409.74,"end":1415.92,"sentiment":"neutral","sentiment_score":0.00033417964975039166},{"text":"Just got a pen.","start":1422.615,"end":1423.755,"sentiment":"neutral","sentiment_score":-0.03469483507797122}],"sentiment":"neutral","sentiment_score":0.019653853243933275,"num_words":13,"start":1400.6849,"end":1423.755},{"sentences":[{"text":"You're right.","start":1423.8949,"end":1424.6349,"sentiment":"neutral","sentiment_score":-0.049127139151096344},{"text":"Oh, I know.","start":1433.28,"end":1434.72,"sentiment":"neutral","sentiment_score":-0.2173068424065908},{"text":"They make it difficult, don't they?","start":1434.72,"end":1436.74,"sentiment":"negative","sentiment_score":-0.3495991975069046},{"text":"I just wanna make sure that you do have the insurances that you do wanna hold and make sure there is another policy for you.","start":1446.495,"end":1453.295,"sentiment":"neutral","sentiment_score":-0.13606635928153993},{"text":"But your endowment policy is still that's all still in play.","start":1453.295,"end":1456.8151,"sentiment":"neutral","sentiment_score":-0.02615830149840225}],"sentiment":"neutral","sentiment_score":-0.13908872955498544,"num_words":47,"start":1423.8949,"end":1456.8151},{"sentences":[{"text":"That's all still absolutely fine.","start":1456.8151,"end":1458.175,"sentiment":"positive","sentiment_score":0.3357423782348633},{"text":"That's all still retained.","start":1458.175,"end":1459.395,"sentiment":"neutral","sentiment_score":0.24578749760985374},{"text":"And we'll obviously, when that comes at twenty thirty, we'll have a chat before then and look at what you're able to what you're able to receive at the time and what you wanna do with those funds.","start":1460.49,"end":1470.11,"sentiment":"neutral","sentiment_score":0.02721086588050974},{"text":"But, yeah, I just wanted to let you know this policy with the the life, the trauma, and the IP, the policy number had shown us canceled as of the June 16, and we just wanna make sure that if there is another policy that it is still correct for you.","start":1470.3301,"end":1484.535,"sentiment":"neutral","sentiment_score":0.020560094611901863},{"text":"That's all.","start":1484.535,"end":1485.355,"sentiment":"neutral","sentiment_score":0.031202904880046844}],"sentiment":"neutral","sentiment_score":0.0480684542004019,"num_words":100,"start":1456.8151,"end":1485.355},{"sentences":[{"text":"Yeah.","start":1493.19,"end":1493.51,"sentiment":"neutral","sentiment_score":0.008447562344372272},{"text":"You're right.","start":1493.51,"end":1494.25,"sentiment":"neutral","sentiment_score":0.01498432585503906},{"text":"Yep.","start":1508.3551,"end":1508.8551,"sentiment":"neutral","sentiment_score":0.014139465056359768},{"text":"That looks promising.","start":1516.2899,"end":1517.25,"sentiment":"positive","sentiment_score":0.4215821425120036},{"text":"That's absolutely perfect.","start":1517.25,"end":1518.45,"sentiment":"positive","sentiment_score":0.7411199808120728}],"sentiment":"positive","sentiment_score":0.3540662049083039,"num_words":10,"start":1493.19,"end":1518.45},{"sentences":[{"text":"Yep.","start":1518.45,"end":1518.69,"sentiment":"neutral","sentiment_score":0.19241034984588623},{"text":"That's okay.","start":1518.69,"end":1519.4099,"sentiment":"neutral","sentiment_score":0.21291683614253998},{"text":"We will get an an authority sent off to them.","start":1519.4099,"end":1522.1499,"sentiment":"neutral","sentiment_score":0.12952884584665297},{"text":"If we need you to sign another one, I'll get the team to organize that to be signed.","start":1522.21,"end":1526.1499,"sentiment":"neutral","sentiment_score":0.10217419887582462},{"text":"But we'll get the research done on that.","start":1526.765,"end":1528.865,"sentiment":"neutral","sentiment_score":-0.04295982723124325}],"sentiment":"neutral","sentiment_score":0.08740998570544598,"num_words":39,"start":1518.45,"end":1528.865},{"sentences":[{"text":"Okay.","start":1532.765,"end":1533.265,"sentiment":"neutral","sentiment_score":-0.005528857000172138},{"text":"Just double I'm just double checking the policy number there for you just to make sure.","start":1542.9601,"end":1550.8201,"sentiment":"neutral","sentiment_score":-0.024803446140140295},{"text":"Okay.","start":1578.6849,"end":1579.1849,"sentiment":"neutral","sentiment_score":-0.03702662140130997},{"text":"I've got it here.","start":1588.2849,"end":1589.005,"sentiment":"neutral","sentiment_score":-0.05044316500425339},{"text":"Yeah.","start":1589.005,"end":1589.245,"sentiment":"neutral","sentiment_score":-0.014450912363827229}],"sentiment":"neutral","sentiment_score":-0.02850583430541598,"num_words":23,"start":1532.765,"end":1589.245},{"sentences":[{"text":"So that is the endowment one.","start":1589.245,"end":1590.6849,"sentiment":"neutral","sentiment_score":-0.010478842848291},{"text":"So 045N.","start":1590.6849,"end":1592.9,"sentiment":"neutral","sentiment_score":-0.005019199103116989},{"text":"Yeah.","start":1592.9,"end":1593.2999,"sentiment":"neutral","sentiment_score":-0.005311585962772369},{"text":"The document just opened up for me.","start":1593.2999,"end":1595.32,"sentiment":"neutral","sentiment_score":-0.010018592700362206},{"text":"Yes.","start":1595.46,"end":1595.96,"sentiment":"neutral","sentiment_score":0.02471468225121498}],"sentiment":"neutral","sentiment_score":-0.00727285340647487,"num_words":17,"start":1589.245,"end":1595.96},{"sentences":[{"text":"So that's the endowment policy.","start":1596.1,"end":1597.7999,"sentiment":"neutral","sentiment_score":0.01137671284377575},{"text":"Yeah.","start":1598.1,"end":1598.6,"sentiment":"neutral","sentiment_score":0.0008593201637268066},{"text":"That's okay.","start":1603.22,"end":1603.96,"sentiment":"neutral","sentiment_score":0.0010866899974644184},{"text":"Is that an email is that an email you received from them?","start":1620.54,"end":1625.12,"sentiment":"neutral","sentiment_score":0.18348867228875557},{"text":"Yes.","start":1649.93,"end":1650.41,"sentiment":"neutral","sentiment_score":0.05903327465057373}],"sentiment":"neutral","sentiment_score":0.11051493364253215,"num_words":21,"start":1596.1,"end":1650.41},{"sentences":[{"text":"That's the same account number as what we've got on here as the policy that was canceled on June 2020 six.","start":1650.41,"end":1656.27,"sentiment":"neutral","sentiment_score":0.003407429460258711},{"text":"Yeah.","start":1658.505,"end":1659.005,"sentiment":"neutral","sentiment_score":-0.03402620553970337},{"text":"He should have emailed you an updated one.","start":1661.3049,"end":1663.965,"sentiment":"neutral","sentiment_score":0.013796854531392455},{"text":"That's okay.","start":1670.6,"end":1671.24,"sentiment":"neutral","sentiment_score":0.12915626168251038},{"text":"Did you wanna try and find it a bit later when I can get the team to follow-up with you just to sort of to get that to get that new number?","start":1671.24,"end":1677.98,"sentiment":"neutral","sentiment_score":0.06905162613838911}],"sentiment":"neutral","sentiment_score":0.040872956393286586,"num_words":64,"start":1650.41,"end":1677.98},{"sentences":[{"text":"Yeah.","start":1678.0399,"end":1678.28,"sentiment":"neutral","sentiment_score":0.14239981770515442},{"text":"That way you're not stressing about it now.","start":1678.28,"end":1680.12,"sentiment":"neutral","sentiment_score":0.19420201145112514},{"text":"But, yeah, I just wanted to sort of make sure I had that chat with you and let you know this what we found when we did the the research on that policy.","start":1680.12,"end":1687.5751,"sentiment":"neutral","sentiment_score":0.18434456781004416},{"text":"So, hopefully, there is another policy.","start":1687.715,"end":1689.8151,"sentiment":"neutral","sentiment_score":0.011971055840452513},{"text":"If there's not, let me know.","start":1690.035,"end":1691.395,"sentiment":"neutral","sentiment_score":-0.18773683408896127}],"sentiment":"neutral","sentiment_score":0.12453318476952889,"num_words":54,"start":1678.0399,"end":1691.395},{"sentences":[{"text":"We can always look to help you to try and get life and trauma reinstated some way.","start":1691.395,"end":1696.035,"sentiment":"neutral","sentiment_score":-0.027957568273824805},{"text":"Okay?","start":1696.035,"end":1696.535,"sentiment":"neutral","sentiment_score":0.03360956162214279},{"text":"That's all good.","start":1700.66,"end":1701.78,"sentiment":"neutral","sentiment_score":0.17940127601226172},{"text":"All good.","start":1701.78,"end":1702.42,"sentiment":"neutral","sentiment_score":0.30392223596572876},{"text":"But you're yeah.","start":1702.42,"end":1703.38,"sentiment":"neutral","sentiment_score":0.03578914205233256}],"sentiment":"neutral","sentiment_score":0.03122102411893698,"num_words":26,"start":1691.395,"end":1703.38},{"sentences":[{"text":"You're right.","start":1703.38,"end":1704.12,"sentiment":"neutral","sentiment_score":0.03951231762766838},{"text":"Well, we can't actually talk to him.","start":1709.3151,"end":1710.995,"sentiment":"neutral","sentiment_score":-0.20651542288916452},{"text":"He won't give us any of the information, unfortunately.","start":1710.995,"end":1713.335,"sentiment":"neutral","sentiment_score":-0.25220335357719},{"text":"We'll just sort of need a specific currency.","start":1713.475,"end":1715.735,"sentiment":"neutral","sentiment_score":-0.12443166878074408},{"text":"But even if you can, I don't know, email him and go, hey?","start":1716.275,"end":1718.995,"sentiment":"neutral","sentiment_score":-0.008429106898032702}],"sentiment":"neutral","sentiment_score":-0.1215755191559975,"num_words":39,"start":1703.38,"end":1718.995},{"sentences":[{"text":"Can you send me the updated details of the policy that was put in place and see if he can email it to you.","start":1718.995,"end":1725.77,"sentiment":"neutral","sentiment_score":0.07077393572156628},{"text":"Yeah.","start":1725.77,"end":1726.27,"sentiment":"neutral","sentiment_score":-0.05098867416381836},{"text":"Use him if, you know, he gets a a fee for holding the poll for looking after the policy for you, so you may as well get him to email you the to be a currency, confirm the new policy going forward.","start":1726.3301,"end":1736.91,"sentiment":"neutral","sentiment_score":0.10383326702174686},{"text":"Yeah.","start":1737.13,"end":1737.63,"sentiment":"neutral","sentiment_score":0.1235872432589531},{"text":"That's okay.","start":1740.415,"end":1741.2351,"sentiment":"positive","sentiment_score":0.39307042956352234}],"sentiment":"neutral","sentiment_score":0.09883301572075912,"num_words":70,"start":1718.995,"end":1741.2351},{"sentences":[{"text":"That's alright.","start":1741.6951,"end":1742.3351,"sentiment":"neutral","sentiment_score":0.2966543436050415},{"text":"I'll get Samantha to follow-up with you either later today or tomorrow just to sort of see if you're able to grab that number for us just so we can make sure everything is, you know, in incorrect order for you.","start":1742.3351,"end":1752.435,"sentiment":"neutral","sentiment_score":-0.014822332324778162},{"text":"Okay?","start":1752.495,"end":1752.995,"sentiment":"neutral","sentiment_score":-0.1386425495147705},{"text":"Absolutely.","start":1756.64,"end":1757.14,"sentiment":"neutral","sentiment_score":0.24989160895347595},{"text":"Yeah.","start":1757.28,"end":1757.52,"sentiment":"neutral","sentiment_score":0.11063948273658752}],"sentiment":"neutral","sentiment_score":0.00451046965368416,"num_words":46,"start":1741.6951,"end":1757.52},{"sentences":[{"text":"Yeah.","start":1757.52,"end":1757.84,"sentiment":"neutral","sentiment_score":0.14692722260951996},{"text":"Definitely.","start":1757.84,"end":1758.34,"sentiment":"neutral","sentiment_score":0.21765932440757751},{"text":"Yep.","start":1758.64,"end":1759.14,"sentiment":"neutral","sentiment_score":0.1444244235754013},{"text":"And if you find there is something not in place and you do need insurances, let me know because I can help you with that, and we can always look at what you need, what you wanna be counted for, what the cost is, and how we make that more efficient for you.","start":1759.2001,"end":1772.245,"sentiment":"neutral","sentiment_score":0.04668495972763817},{"text":"Okay?","start":1772.305,"end":1772.805,"sentiment":"neutral","sentiment_score":0.01612940803170204}],"sentiment":"neutral","sentiment_score":0.05262181130156182,"num_words":57,"start":1757.52,"end":1772.805},{"sentences":[{"text":"Yep.","start":1772.945,"end":1773.445,"sentiment":"neutral","sentiment_score":0.017075190320611},{"text":"Excellent.","start":1775.665,"end":1776.165,"sentiment":"positive","sentiment_score":0.43626341223716736},{"text":"All good.","start":1776.305,"end":1777.125,"sentiment":"positive","sentiment_score":0.47231313586235046},{"text":"Easy.","start":1777.825,"end":1778.325,"sentiment":"positive","sentiment_score":0.399151086807251},{"text":"Feel free to take some time to read you that document.","start":1778.545,"end":1780.885,"sentiment":"neutral","sentiment_score":0.24070164290341464}],"sentiment":"neutral","sentiment_score":0.2778021270642057,"num_words":16,"start":1772.945,"end":1780.885},{"sentences":[{"text":"I sort of try to go through it fairly briefly, just giving you the information you need.","start":1780.945,"end":1785.125,"sentiment":"neutral","sentiment_score":0.17250217234387116},{"text":"But read it through.","start":1785.42,"end":1786.2201,"sentiment":"neutral","sentiment_score":0.11283544823527336},{"text":"You've got advantages, disadvantages, risks involved with Outline, how we'll implement the advice to make it easier on you.","start":1786.2201,"end":1792.88,"sentiment":"neutral","sentiment_score":0.1579656284792643},{"text":"And, yeah, if you decide you wanna increase those regular pension payments to $1,400, on the last page, you've got a line that has multiliner text box.","start":1793.66,"end":1805.105,"sentiment":"neutral","sentiment_score":0.14449030740393531},{"text":"You can just write in there, increase pension to $1,400 per week, and I can always make sure that happens for you if you decide to go that way.","start":1805.105,"end":1814.225,"sentiment":"neutral","sentiment_score":0.174084786711068}],"sentiment":"neutral","sentiment_score":0.15973877894187657,"num_words":96,"start":1780.945,"end":1814.225},{"sentences":[{"text":"Okay?","start":1814.225,"end":1814.725,"sentiment":"neutral","sentiment_score":0.10397946089506148},{"text":"Yeah.","start":1816.6499,"end":1817.1499,"sentiment":"neutral","sentiment_score":0.1918109953403473},{"text":"Easy.","start":1817.77,"end":1818.1699,"sentiment":"neutral","sentiment_score":0.20582664012908936},{"text":"Do you have any questions, Darren?","start":1818.1699,"end":1819.69,"sentiment":"neutral","sentiment_score":-0.02307001439233621},{"text":"I know it's a lot.","start":1819.69,"end":1820.49,"sentiment":"neutral","sentiment_score":-0.14957727193832399}],"sentiment":"neutral","sentiment_score":-0.027477810691509928,"num_words":14,"start":1814.225,"end":1820.49},{"sentences":[{"text":"I'm so sorry.","start":1820.49,"end":1821.39,"sentiment":"neutral","sentiment_score":-0.2160958300034205},{"text":"Yep.","start":1824.1699,"end":1824.6699,"sentiment":"neutral","sentiment_score":0.05493426322937012},{"text":"All good.","start":1825.2899,"end":1826.0299,"sentiment":"neutral","sentiment_score":0.2819031774997711},{"text":"Yeah.","start":1827.2899,"end":1827.7899,"sentiment":"neutral","sentiment_score":-0.00275255786255002},{"text":"So you can just leave that 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just the 1,200 for the moment and then just to take it one off when you need it?","start":1836.585,"end":1841.065,"sentiment":"neutral","sentiment_score":-0.08451102155127696},{"text":"Yep.","start":1841.065,"end":1841.565,"sentiment":"neutral","sentiment_score":0.01890268921852112},{"text":"Fantastic.","start":1844.76,"end":1845.26,"sentiment":"positive","sentiment_score":0.6942398548126221},{"text":"All good.","start":1845.8,"end":1846.28,"sentiment":"positive","sentiment_score":0.6607083678245544},{"text":"If any questions come out of it, let me know.","start":1846.28,"end":1848.7,"sentiment":"positive","sentiment_score":0.38057724833488465}],"sentiment":"neutral","sentiment_score":0.11616000887006521,"num_words":35,"start":1836.585,"end":1848.7},{"sentences":[{"text":"Other than that, we'll get that implemented nice and quick and start the attention payments for you.","start":1849.08,"end":1853.64,"sentiment":"positive","sentiment_score":0.5329710262663224},{"text":"Okay?","start":1853.64,"end":1854.14,"sentiment":"neutral","sentiment_score":0.175129234790802},{"text":"Let's see.","start":1854.675,"end":1855.655,"sentiment":"neutral","sentiment_score":0.10249412432312965},{"text":"Beautiful.","start":1860.915,"end":1861.415,"sentiment":"neutral","sentiment_score":0.29866108298301697},{"text":"'20 third is the seventh.","start":1869.81,"end":1871.25,"sentiment":"neutral","sentiment_score":0.012030198238790035}],"sentiment":"positive","sentiment_score":0.3769014232362119,"num_words":26,"start":1849.08,"end":1871.25},{"sentences":[{"text":"Yeah.","start":1871.25,"end":1871.75,"sentiment":"neutral","sentiment_score":0.003327404148876667},{"text":"I think because they uploaded it yesterday.","start":1879.25,"end":1881.1101,"sentiment":"neutral","sentiment_score":-0.016584372147917747},{"text":"Yeah.","start":1881.17,"end":1881.41,"sentiment":"neutral","sentiment_score":-0.02066728100180626},{"text":"Sorry about that.","start":1881.41,"end":1882.365,"sentiment":"neutral","sentiment_score":-0.07859127223491669},{"text":"That's okay.","start":1882.445,"end":1883.265,"sentiment":"neutral","sentiment_score":0.05227188020944595}],"sentiment":"neutral","sentiment_score":-0.018904324155300856,"num_words":14,"start":1871.25,"end":1883.265},{"sentences":[{"text":"Sorry about that.","start":1884.045,"end":1885.025,"sentiment":"neutral","sentiment_score":-0.03877021869023641},{"text":"Yep.","start":1890.605,"end":1891.105,"sentiment":"neutral","sentiment_score":0.027989964932203293},{"text":"And then if yes.","start":1891.645,"end":1893.965,"sentiment":"neutral","sentiment_score":0.02875002659857273},{"text":"You click there should be a button that says next or finish or yep.","start":1893.965,"end":1902.59,"sentiment":"neutral","sentiment_score":0.05353166588715145},{"text":"Perfect.","start":1902.59,"end":1903.09,"sentiment":"positive","sentiment_score":0.34997624158859253}],"sentiment":"neutral","sentiment_score":0.04896082518541295,"num_words":23,"start":1884.045,"end":1903.09},{"sentences":[{"text":"We will.","start":1910.365,"end":1910.845,"sentiment":"neutral","sentiment_score":0.03475051000714302},{"text":"Yes.","start":1910.845,"end":1911.165,"sentiment":"neutral","sentiment_score":0.04296087101101875},{"text":"So when the team download the documents, they'll give you a call and get your bank account information.","start":1911.165,"end":1916.225,"sentiment":"neutral","sentiment_score":0.04081993612150351},{"text":"They'll do it so it's not on a recorded line.","start":1916.605,"end":1918.845,"sentiment":"neutral","sentiment_score":0.012324778363108635},{"text":"So because our lines are recorded, they'll send the recording off to get your bank 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it?","start":1942.915,"end":1946.455,"sentiment":"neutral","sentiment_score":0.00804935282628451},{"text":"Yes.","start":1947.555,"end":1947.955,"sentiment":"neutral","sentiment_score":0.23074433207511905},{"text":"Beautiful.","start":1947.955,"end":1948.455,"sentiment":"positive","sentiment_score":0.5439745187759399}],"sentiment":"neutral","sentiment_score":0.007501900533679873,"num_words":80,"start":1923.26,"end":1948.455},{"sentences":[{"text":"Beautiful.","start":1950.29,"end":1950.79,"sentiment":"positive","sentiment_score":0.5936076641082764},{"text":"Beautiful.","start":1952.77,"end":1953.27,"sentiment":"positive","sentiment_score":0.5616835355758667},{"text":"So we'll set your pension payment up nice and quick.","start":1953.33,"end":1955.91,"sentiment":"positive","sentiment_score":0.4195530414581299},{"text":"How it'll work is you sign this.","start":1956.21,"end":1957.81,"sentiment":"neutral","sentiment_score":0.30698782205581665},{"text":"I've just got a fax to thank you for 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as that's open, we'll get your pension drawdown started.","start":1979.58,"end":1982.7999,"sentiment":"neutral","sentiment_score":0.07071107711929542}],"sentiment":"neutral","sentiment_score":0.13988487672452865,"num_words":76,"start":1960.37,"end":1982.7999},{"sentences":[{"text":"You can decide what day you want that.","start":1983.74,"end":1985.58,"sentiment":"neutral","sentiment_score":0.07025970658287406},{"text":"Is there a certain day you would like those pension payments to be received from your super fund?","start":1985.58,"end":1990.16,"sentiment":"neutral","sentiment_score":0.05112184356484148},{"text":"Yep.","start":1993.755,"end":1994.235,"sentiment":"neutral","sentiment_score":0.1490955650806427},{"text":"Beautiful.","start":1994.235,"end":1994.735,"sentiment":"positive","sentiment_score":0.3515127897262573},{"text":"On a 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you.","start":2009.7,"end":2013.24,"sentiment":"positive","sentiment_score":0.34538697358220816}],"sentiment":"neutral","sentiment_score":0.28730603892069595,"num_words":65,"start":1996.875,"end":2013.24},{"sentences":[{"text":"In the meantime, if you decide, once we move into pension phase, you need any additional money at any time, you can just call me, tell me.","start":2013.7,"end":2021.265,"sentiment":"neutral","sentiment_score":0.0958378044543443},{"text":"We can do it as a transaction without advice.","start":2021.265,"end":2023.505,"sentiment":"neutral","sentiment_score":0.12343553867604998},{"text":"You just give me the direction, and I can organize that paperwork nice and quick.","start":2023.505,"end":2027.985,"sentiment":"neutral","sentiment_score":0.21832538445790609},{"text":"I just run down the risk of taking extra money out for you.","start":2027.985,"end":2031.105,"sentiment":"neutral","sentiment_score":0.10933061975699204},{"text":"As long as you're comfortable with that, we can do those with the withdrawals whenever you need nice and quickly for you, and we'll just keep reviewing those pensions to make sure that the investments are working, that the that the account is working for you, and that your super last as long as possible.","start":2031.105,"end":2046.2,"sentiment":"neutral","sentiment_score":0.3006865788589824}],"sentiment":"neutral","sentiment_score":0.20951664898575856,"num_words":119,"start":2013.7,"end":2046.2},{"sentences":[{"text":"Okay?","start":2046.58,"end":2047.08,"sentiment":"neutral","sentiment_score":0.125679150223732},{"text":"Beautiful.","start":2048.7852,"end":2049.2852,"sentiment":"neutral","sentiment_score":0.2936725616455078},{"text":"Easy.","start":2049.665,"end":2050.165,"sentiment":"positive","sentiment_score":0.4908211827278137},{"text":"Thank you so much for that.","start":2050.705,"end":2051.825,"sentiment":"positive","sentiment_score":0.8316909372806549},{"text":"I really appreciated the time today.","start":2051.825,"end":2053.585,"sentiment":"positive","sentiment_score":0.8441577752431234}],"sentiment":"positive","sentiment_score":0.7310176779826482,"num_words":15,"start":2046.58,"end":2053.585},{"sentences":[{"text":"I'm so sorry.","start":2053.585,"end":2054.305,"sentiment":"neutral","sentiment_score":0.08644148955742519},{"text":"It is a lot to go through, but feel free to have a read to the document if you wanted to kind of run your eyes over any of that.","start":2054.305,"end":2060.64,"sentiment":"neutral","sentiment_score":0.1321322896828254},{"text":"But I'm very excited to put this in place for you.","start":2060.72,"end":2062.96,"sentiment":"positive","sentiment_score":0.7854433168064464},{"text":"I think it's great you're living your 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pleasure.","start":2093.0598,"end":2093.78,"sentiment":"positive","sentiment_score":0.7790317833423615}],"sentiment":"positive","sentiment_score":0.7683363681038221,"num_words":24,"start":2084.415,"end":2093.78},{"sentences":[{"text":"Enjoy your day.","start":2093.78,"end":2094.5,"sentiment":"positive","sentiment_score":0.7564801176389059},{"text":"Thank you for your time.","start":2094.5,"end":2095.64,"sentiment":"positive","sentiment_score":0.7451804637908935},{"text":"See you later.","start":2097.7,"end":2098.3398,"sentiment":"neutral","sentiment_score":0.30186503132184345},{"text":"Bye.","start":2098.3398,"end":2098.8398,"sentiment":"neutral","sentiment_score":-0.1056026816368103}],"sentiment":"positive","sentiment_score":0.5662779236833254,"num_words":12,"start":2093.78,"end":2098.8398}]}}]},{"alternatives":[{"transcript":"Hello? Good day. It's dying. How are you? Yeah. No. It's good. Thanks. Yep. Yep. And that's Oh, grab it. Yep. Yep. No. I've got it here. Yep. No. Thanks. Yeah. Darren Brett Rogers. 911965. 23 Pilchowski Street, Yeah. Pretty good. Yeah. Got it. Mhmm. Yeah. I might bump I might put that up to 1,400 a week just for now. Thanks. Yep. Yeah. Yeah. You can update it. Yep. Yeah. Oh, okay. Now what what what what what yeah. What yeah. Are you gonna do it? You mean? Alright. Hello? Yep. Yep. I think I'll just leave it at 1,200. And like I said, if I want a bulk payment, it's just I'm going overseas and a bit. But it's alright. 1,200 will do things. Yeah. We'll leave it at that. Yep. Yep. Yep. Mhmm. Alright. What's what's the number I can get you on? Like, we've got a few different numbers here. Just the same number you rang on? Yeah. Yeah. Right on. Yeah. I've got all that number, sir. Yeah. Yep. Yep. Alrighty then. No worries at all. Okay. Thank you. Which which which page? Oh, number 20. Right. Mhmm. Yep. Yep. Alright. Mhmm. Mhmm. Mhmm. Yep. Oh, yeah. Yep. Yep. Oh, no. You see, you're working a lot for me, buddy. Yeah. You said you were gonna check out any other companies, but these ones are still a good one. Like IP? Yep. Mhmm. Yep. Yep. Yep. Mhmm. Yep. Yep. Mhmm. Yep. Alright. Mhmm. Yep. So that's what I that's what I pay, $13,500 a year. Super fees. Is that right? Age sixty seven forty five. Yeah. Yep. Yep. Mhmm. Mhmm. Right. And so you're saying before that the other company, you gotta take the minimum amount out per what? A year? So what's the what's the what's the amount for Opry? They don't have one. A minimum amount, like I said, the amount what yeah. What's your minimum amount a year? What's your minimum amount? Yeah. Like, someone said to me oh, you said that before, you gotta take so much per year out of your Yeah. So what yeah. Yep. So that yeah. So will that that'll cover that four I don't know. 4% just off copy ad. 1,200 a week would cover that, wouldn't it? Yeah. Yep. Yep. That's good. Yep. Yep. Oh, that's good. Uh-huh. Yep. Alright. Very good. Yep. Yep. Mhmm. Yep. Alright. Yep. Yeah. That's all. Yep. Yeah. Alright. Mhmm. Mhmm. Yep. No worries. What page is that? What page on there? Alright. Uh-huh. Very good. No worries. Yep. Yep. Mhmm. Yep. Yep. Yep. Yep. Mhmm. Yep. Yep. Yep. Yeah. Yeah. That that was the that was canceled, but he made out another one. Did I give you the wrong yeah. He, yeah, he canceled one. My broker canceled one, and then he and then he made another one. Did I give you the wrong one? I might give you the wrong bloody. Yes. Yeah. That's right. Yeah. What number have you got the number there in front of you that go cancel? Yeah. No. Well, this one I got one here. So I got them two resolutions. I'm just see oh, let Sean call me. Bloody hell. With them two different things, it's a pain in the ass. And that one that he canceled. I'll have to Yeah. No. Yep. Yeah. I'm just trying to see whether this is the right one or not. Because you've got you actually, you've got the other policy. I've got this one here is Q866. Oh, is that me is that the is it are you try this on queue. 8 68660045DashN. Is that me? Is that yeah. Because that that's not that's not yeah. That's not I think that's my new policy there. They've just sent a thing. Yeah. That well, that that doesn't coincide with my old the the old one that endowment one, does it? That's not the same as the endowment one, is it? Oh, no. That's me bloody. That's that's that's the other one. That's one damn it one. It's got the account number in this new one, but it won't give me it won't show me the whole lot. Update on your account is very good. Yeah. Yeah. This this would be the new one here, but I it won't oh, Jesus. I have to go into Resolution Life. Yeah. It's got the it's just the final digits of it. 11612, account number. That must be able to cancel there. Where the bloody hell is oh, that's it. Yeah. I know. But I can't. Yeah. Somewhere. Yeah. Yeah. Yeah. Yeah. No. It's it is there, but yeah. No worries. Do you actually, do you want that do you want the broker's number? Oh, yeah. Yeah. Yep. They'll do that. Yeah. Alright. Yeah. I'll find it somewhere. It's definitely here. Yeah. Well, I could send I could send it back to you too. Can Yeah. Right. Yeah. Yeah. No. I got it. Definitely. Yeah. Okay. Alright. Yep. Okay. No. No. No. You're alright. On that multiline. Yeah. I see. Yeah. So I I just sign that. Yep. No. Yeah. Yep. I'll just leave it at that at the moment. Yep. Alright. Sign all. I just put sign all date. Twenty second. What's the date today? Twenty third. Text no. It's just written down the it's just filled in the twenty second. That's all. Yeah. '20 third down there. And that's well, I signed that, put the date in, and I just scroll up. It's all. Yep. Valid and sent completed documents. And do you need to get you need to get me bank account in that too, don't you? Yep. Yeah. Yeah. It should be all all in with every the only yeah. That should be all in. Yep. Mhmm. On a Friday? Yep. Yep. Alright. No worries. Yeah. No worries. But yeah. I'll I'll chase that I'll chase that super thing the I'll chase that insurance thing there, that plan, and then I'll send it to you. Alright. Alright. Thanks, Diana. Diana. See you. 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Good day. It's dying. How are you? Yeah.\n\nNo. It's good. Thanks. Yep. Yep.\n\nAnd that's Oh, grab it. Yep. Yep. No. I've got it here.\n\nYep. No. Thanks. Yeah. Darren Brett Rogers.\n\n911965. 23 Pilchowski Street, Yeah. Pretty good. Yeah. Got it.\n\nMhmm. Yeah. I might bump I might put that up to 1,400 a week just for now. Thanks. Yep.\n\nYeah. Yeah. You can update it. Yep. Yeah.\n\nOh, okay. Now what what what what what yeah. What yeah. Are you gonna do it? You mean?\n\nAlright. Hello? Yep. Yep. I think I'll just leave it at 1,200.\n\nAnd like I said, if I want a bulk payment, it's just I'm going overseas and a bit. But it's alright. 1,200 will do things. Yeah. We'll leave it at that.\n\nYep. Yep. Yep. Mhmm. Alright.\n\nWhat's what's the number I can get you on? Like, we've got a few different numbers here. Just the same number you rang on? Yeah. Yeah.\n\nRight on. Yeah. I've got all that number, sir. Yeah. Yep.\n\nYep. Alrighty then. No worries at all. Okay. Thank you.\n\nWhich which which page? Oh, number 20. Right. Mhmm. Yep.\n\nYep. Alright. Mhmm. Mhmm. Mhmm.\n\nYep. Oh, yeah. Yep. Yep. Oh, no.\n\nYou see, you're working a lot for me, buddy. Yeah. You said you were gonna check out any other companies, but these ones are still a good one. Like IP? Yep.\n\nMhmm. Yep. Yep. Yep. Mhmm.\n\nYep. Yep. Mhmm. Yep. Alright.\n\nMhmm. Yep. So that's what I that's what I pay, $13,500 a year. Super fees. Is that right?\n\nAge sixty seven forty five. Yeah. Yep. Yep. Mhmm.\n\nMhmm. Right. And so you're saying before that the other company, you gotta take the minimum amount out per what? A year? So what's the what's the what's the amount for Opry?\n\nThey don't have one. A minimum amount, like I said, the amount what yeah. What's your minimum amount a year? What's your minimum amount? Yeah.\n\nLike, someone said to me oh, you said that before, you gotta take so much per year out of your Yeah. So what yeah. Yep. So that yeah. So will that that'll cover that four I don't know.\n\n4% just off copy ad. 1,200 a week would cover that, wouldn't it? Yeah. Yep. Yep.\n\nThat's good. Yep. Yep. Oh, that's good. Uh-huh.\n\nYep. Alright. Very good. Yep. Yep.\n\nMhmm. Yep. Alright. Yep. Yeah.\n\nThat's all. Yep. Yeah. Alright. Mhmm.\n\nMhmm. Yep. No worries. What page is that? What page on there?\n\nAlright. Uh-huh. Very good. No worries. Yep.\n\nYep. Mhmm. Yep. Yep. Yep.\n\nYep. Mhmm. Yep. Yep. Yep.\n\nYeah. Yeah. That that was the that was canceled, but he made out another one. Did I give you the wrong yeah. He, yeah, he canceled one.\n\nMy broker canceled one, and then he and then he made another one. Did I give you the wrong one? I might give you the wrong bloody. Yes. Yeah.\n\nThat's right. Yeah. What number have you got the number there in front of you that go cancel? Yeah. No.\n\nWell, this one I got one here. So I got them two resolutions. I'm just see oh, let Sean call me. Bloody hell. With them two different things, it's a pain in the ass.\n\nAnd that one that he canceled. I'll have to Yeah. No. Yep. Yeah.\n\nI'm just trying to see whether this is the right one or not. Because you've got you actually, you've got the other policy. I've got this one here is Q866. Oh, is that me is that the is it are you try this on queue. 8 68660045DashN.\n\nIs that me? Is that yeah. Because that that's not that's not yeah. That's not I think that's my new policy there. They've just sent a thing.\n\nYeah. That well, that that doesn't coincide with my old the the old one that endowment one, does it? That's not the same as the endowment one, is it? Oh, no. That's me bloody.\n\nThat's that's that's the other one. That's one damn it one. It's got the account number in this new one, but it won't give me it won't show me the whole lot. Update on your account is very good. Yeah.\n\nYeah. This this would be the new one here, but I it won't oh, Jesus. I have to go into Resolution Life. Yeah. It's got the it's just the final digits of it.\n\n11612, account number. That must be able to cancel there. Where the bloody hell is oh, that's it. Yeah. I know.\n\nBut I can't. Yeah. Somewhere. Yeah. Yeah.\n\nYeah. Yeah. No. It's it is there, but yeah. No worries.\n\nDo you actually, do you want that do you want the broker's number? Oh, yeah. Yeah. Yep. They'll do that.\n\nYeah. Alright. Yeah. I'll find it somewhere. It's definitely here.\n\nYeah. Well, I could send I could send it back to you too. Can Yeah. Right. Yeah.\n\nYeah. No. I got it. Definitely. Yeah.\n\nOkay. Alright. Yep. Okay. No.\n\nNo. No. You're alright. On that multiline. Yeah.\n\nI see. Yeah. So I I just sign that. Yep. No.\n\nYeah. Yep. I'll just leave it at that at the moment. Yep. Alright.\n\nSign all. I just put sign all date. Twenty second. What's the date today? Twenty third.\n\nText no. It's just written down the it's just filled in the twenty second. That's all. Yeah. '20 third down there.\n\nAnd that's well, I signed that, put the date in, and I just scroll up. It's all. Yep. Valid and sent completed documents. And do you need to get you need to get me bank account in that too, don't you?\n\nYep. Yeah. Yeah. It should be all all in with every the only yeah. That should be all in.\n\nYep. Mhmm. On a Friday? Yep. Yep.\n\nAlright. No worries. Yeah. No worries. But yeah.\n\nI'll I'll chase that I'll chase that super thing the I'll chase that insurance thing there, that plan, and then I'll send it to you. Alright. Alright. Thanks, Diana. Diana.\n\nSee you. Alright.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.04,"end":1.54,"sentiment":"neutral","sentiment_score":0.0351363942027092},{"text":"Good day.","start":6.96,"end":7.3599997,"sentiment":"neutral","sentiment_score":0.3327908366918564},{"text":"It's dying.","start":7.3599997,"end":7.8399997,"sentiment":"neutral","sentiment_score":0.036911865696311},{"text":"How are you?","start":7.8399997,"end":8.58,"sentiment":"neutral","sentiment_score":0.07618491227428119},{"text":"Yeah.","start":16.445,"end":16.685,"sentiment":"neutral","sentiment_score":0.15853743255138397}],"sentiment":"neutral","sentiment_score":0.12907044092814127,"num_words":9,"start":1.04,"end":16.685},{"sentences":[{"text":"No.","start":16.685,"end":16.925,"sentiment":"neutral","sentiment_score":0.14550372958183289},{"text":"It's good.","start":16.925,"end":17.325,"sentiment":"positive","sentiment_score":0.3348282724618912},{"text":"Thanks.","start":17.325,"end":17.645,"sentiment":"positive","sentiment_score":0.3955164551734924},{"text":"Yep.","start":17.645,"end":18.145,"sentiment":"positive","sentiment_score":0.3970961570739746},{"text":"Yep.","start":27.244999,"end":27.744999,"sentiment":"neutral","sentiment_score":0.04622659832239151}],"sentiment":"neutral","sentiment_score":0.2756665808459123,"num_words":6,"start":16.685,"end":27.744999},{"sentences":[{"text":"And that's Oh, grab it.","start":30.990002,"end":35.65,"sentiment":"neutral","sentiment_score":0.20915474593639374},{"text":"Yep.","start":45.835,"end":46.155,"sentiment":"neutral","sentiment_score":0.05814450979232788},{"text":"Yep.","start":46.155,"end":46.555,"sentiment":"neutral","sentiment_score":0.03876335918903351},{"text":"No.","start":46.555,"end":46.715,"sentiment":"neutral","sentiment_score":-0.03712671250104904},{"text":"I've got it 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Rogers.","start":58.23,"end":59.29,"sentiment":"neutral","sentiment_score":0.03543312226732572}],"sentiment":"neutral","sentiment_score":0.06761894854051727,"num_words":7,"start":47.355,"end":59.29},{"sentences":[{"text":"911965.","start":59.35,"end":61.45,"sentiment":"neutral","sentiment_score":0.02312774956226349},{"text":"23 Pilchowski Street, Yeah.","start":61.59,"end":69.945,"sentiment":"neutral","sentiment_score":0.0864656544290483},{"text":"Pretty good.","start":69.945,"end":70.84499,"sentiment":"positive","sentiment_score":0.363947257399559},{"text":"Yeah.","start":71.064995,"end":71.564995,"sentiment":"neutral","sentiment_score":0.21163898706436157},{"text":"Got 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mean?","start":182.135,"end":182.795,"sentiment":"neutral","sentiment_score":-0.01661683712154627}],"sentiment":"neutral","sentiment_score":-0.01866709678951237,"num_words":18,"start":174.98999,"end":182.795},{"sentences":[{"text":"Alright.","start":187.735,"end":188.235,"sentiment":"neutral","sentiment_score":0.03276042640209198},{"text":"Hello?","start":196.36,"end":196.86,"sentiment":"neutral","sentiment_score":0.05531249940395355},{"text":"Yep.","start":205.8,"end":206.3,"sentiment":"neutral","sentiment_score":0.1714569330215454},{"text":"Yep.","start":215.385,"end":215.885,"sentiment":"neutral","sentiment_score":0.061478495597839355},{"text":"I think I'll just leave it at 1,200.","start":215.945,"end":219.465,"sentiment":"neutral","sentiment_score":0.0212956708855927}],"sentiment":"neutral","sentiment_score":0.04094781012584766,"num_words":12,"start":187.735,"end":219.465},{"sentences":[{"text":"And like I said, if I want a bulk payment, it's just I'm going overseas and a 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on?","start":269.35498,"end":271.35498,"sentiment":"neutral","sentiment_score":0.03568494340611829},{"text":"Like, we've got a few different numbers here.","start":271.35498,"end":274.41498,"sentiment":"neutral","sentiment_score":0.016517465002834797},{"text":"Just the same number you rang on?","start":274.715,"end":276.57498,"sentiment":"neutral","sentiment_score":0.023451130970248153},{"text":"Yeah.","start":280.8,"end":281.3,"sentiment":"neutral","sentiment_score":0.03819528967142105},{"text":"Yeah.","start":286.4,"end":286.56,"sentiment":"neutral","sentiment_score":0.03274459391832352}],"sentiment":"neutral","sentiment_score":0.026477000425354794,"num_words":26,"start":269.35498,"end":286.56},{"sentences":[{"text":"Right on.","start":286.56,"end":287.22,"sentiment":"neutral","sentiment_score":0.02686504926532507},{"text":"Yeah.","start":287.52,"end":287.76,"sentiment":"neutral","sentiment_score":0.02658054232597351},{"text":"I've got all that number, 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that's what I that's what I pay, $13,500 a year.","start":800.95,"end":804.49,"sentiment":"neutral","sentiment_score":0.12023668600754304},{"text":"Super fees.","start":805.43,"end":806.07,"sentiment":"neutral","sentiment_score":0.22867509722709656},{"text":"Is that right?","start":806.07,"end":806.685,"sentiment":"neutral","sentiment_score":0.10151479889949162}],"sentiment":"neutral","sentiment_score":0.14229207154777315,"num_words":18,"start":760.695,"end":806.685},{"sentences":[{"text":"Age sixty seven forty five.","start":810.365,"end":812.205,"sentiment":"neutral","sentiment_score":0.010568014904856681},{"text":"Yeah.","start":812.205,"end":812.705,"sentiment":"neutral","sentiment_score":0.036522794514894485},{"text":"Yep.","start":821.085,"end":821.585,"sentiment":"neutral","sentiment_score":0.05406147241592407},{"text":"Yep.","start":826.57,"end":827.07,"sentiment":"neutral","sentiment_score":0.06969176232814789},{"text":"Mhmm.","start":846.915,"end":847.415,"sentiment":"neutral","sentiment_score":0.0842863917350769}],"sentiment":"neutral","sentiment_score":0.03304472172425853,"num_words":9,"start":810.365,"end":847.415},{"sentences":[{"text":"Mhmm.","start":858.42,"end":858.66,"sentiment":"neutral","sentiment_score":0.009751034900546074},{"text":"Right.","start":858.66,"end":859.16,"sentiment":"neutral","sentiment_score":0.014629761688411236},{"text":"And so you're saying before that the other company, you gotta take the minimum amount out per what?","start":859.54,"end":866.135,"sentiment":"neutral","sentiment_score":-0.01094562125702699},{"text":"A year?","start":866.135,"end":866.875,"sentiment":"neutral","sentiment_score":-0.01054831687361002},{"text":"So what's the what's the what's the amount for Opry?","start":867.175,"end":870.53503,"sentiment":"neutral","sentiment_score":-0.011957037076354027}],"sentiment":"neutral","sentiment_score":-0.009790855954634026,"num_words":32,"start":858.42,"end":870.53503},{"sentences":[{"text":"They don't have one.","start":870.53503,"end":871.675,"sentiment":"neutral","sentiment_score":-0.045382159762084484},{"text":"A minimum amount, like I said, the amount what yeah.","start":872.455,"end":876.375,"sentiment":"neutral","sentiment_score":-0.021893487870693208},{"text":"What's your minimum amount a year?","start":876.375,"end":877.995,"sentiment":"neutral","sentiment_score":-0.0065637325557569666},{"text":"What's your minimum 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things, it's a pain in the ass.","start":1430.665,"end":1433.405,"sentiment":"negative","sentiment_score":-0.6348890120332892}],"sentiment":"neutral","sentiment_score":-0.3005062697783989,"num_words":34,"start":1418.51,"end":1433.405},{"sentences":[{"text":"And that one that he canceled.","start":1438.46,"end":1440.0,"sentiment":"neutral","sentiment_score":-0.25002070019642514},{"text":"I'll have to Yeah.","start":1442.2999,"end":1451.6749,"sentiment":"neutral","sentiment_score":-0.14107898715883493},{"text":"No.","start":1451.6749,"end":1452.1749,"sentiment":"neutral","sentiment_score":-0.2063361406326294},{"text":"Yep.","start":1460.075,"end":1460.575,"sentiment":"neutral","sentiment_score":-0.027711348608136177},{"text":"Yeah.","start":1485.785,"end":1486.285,"sentiment":"neutral","sentiment_score":0.026826869696378708}],"sentiment":"neutral","sentiment_score":-0.17474313610448286,"num_words":13,"start":1438.46,"end":1486.285},{"sentences":[{"text":"I'm just trying to see whether 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that.","start":1827.625,"end":1829.405,"sentiment":"neutral","sentiment_score":0.026580689164499443},{"text":"Yep.","start":1830.585,"end":1831.085,"sentiment":"neutral","sentiment_score":0.07848168164491653},{"text":"No.","start":1837.705,"end":1838.205,"sentiment":"neutral","sentiment_score":-0.18391984701156616}],"sentiment":"neutral","sentiment_score":0.021014505658637394,"num_words":11,"start":1825.865,"end":1838.205},{"sentences":[{"text":"Yeah.","start":1839.4401,"end":1839.9401,"sentiment":"neutral","sentiment_score":-0.05567729100584984},{"text":"Yep.","start":1841.6,"end":1842.0,"sentiment":"neutral","sentiment_score":0.04103078693151474},{"text":"I'll just leave it at that at the moment.","start":1842.0,"end":1843.52,"sentiment":"neutral","sentiment_score":0.0553199847539266},{"text":"Yep.","start":1843.52,"end":1844.02,"sentiment":"positive","sentiment_score":0.33600062131881714},{"text":"Alright.","start":1854.345,"end":1854.845,"sentiment":"neutral","sentiment_score":0.15301766991615295}],"sentiment":"neutral","sentiment_score":0.07478858845738265,"num_words":13,"start":1839.4401,"end":1854.845},{"sentences":[{"text":"Sign all.","start":1859.145,"end":1859.9651,"sentiment":"neutral","sentiment_score":0.10305164009332657},{"text":"I just put sign all date.","start":1860.345,"end":1862.525,"sentiment":"neutral","sentiment_score":0.11774906019369762},{"text":"Twenty second.","start":1866.22,"end":1867.0399,"sentiment":"neutral","sentiment_score":0.03935961052775383},{"text":"What's the date today?","start":1867.2599,"end":1868.22,"sentiment":"neutral","sentiment_score":0.024126873817294836},{"text":"Twenty third.","start":1868.22,"end":1869.0399,"sentiment":"neutral","sentiment_score":0.0097551504150033}],"sentiment":"neutral","sentiment_score":0.06920841615647078,"num_words":16,"start":1859.145,"end":1869.0399},{"sentences":[{"text":"Text no.","start":1869.8999,"end":1873.74,"sentiment":"neutral","sentiment_score":-0.010086051654070616},{"text":"It's just written down the it's just filled in the twenty second.","start":1873.74,"end":1877.58,"sentiment":"neutral","sentiment_score":-0.016009723534807563},{"text":"That's all.","start":1877.58,"end":1878.3999,"sentiment":"neutral","sentiment_score":-0.004544316325336695},{"text":"Yeah.","start":1882.115,"end":1882.615,"sentiment":"neutral","sentiment_score":0.026025500148534775},{"text":"'20 third down there.","start":1884.115,"end":1885.655,"sentiment":"neutral","sentiment_score":-0.014869635924696922}],"sentiment":"neutral","sentiment_score":-0.012134783901274204,"num_words":21,"start":1869.8999,"end":1885.655},{"sentences":[{"text":"And that's well, I signed that, put the date in, and I just scroll up.","start":1887.715,"end":1892.035,"sentiment":"neutral","sentiment_score":0.04072261899709702},{"text":"It's all.","start":1892.035,"end":1892.7,"sentiment":"neutral","sentiment_score":0.01766815735027194},{"text":"Yep.","start":1893.1799,"end":1893.6799,"sentiment":"neutral","sentiment_score":0.057902585715055466},{"text":"Valid and sent completed documents.","start":1899.0199,"end":1901.12,"sentiment":"neutral","sentiment_score":0.08400246500968933},{"text":"And do you need to get you need to get me bank account in that too, don't you?","start":1905.905,"end":1909.845,"sentiment":"neutral","sentiment_score":0.03316373357342349}],"sentiment":"neutral","sentiment_score":0.04197652962785668,"num_words":41,"start":1887.715,"end":1909.845},{"sentences":[{"text":"Yep.","start":1923.61,"end":1924.11,"sentiment":"neutral","sentiment_score":-0.12625408172607422},{"text":"Yeah.","start":1945.955,"end":1946.455,"sentiment":"neutral","sentiment_score":0.05905910208821297},{"text":"Yeah.","start":1946.595,"end":1946.835,"sentiment":"neutral","sentiment_score":0.09478533267974854},{"text":"It should be all all in with every the only yeah.","start":1946.835,"end":1950.5,"sentiment":"neutral","sentiment_score":0.23219878565181384},{"text":"That should be all in.","start":1950.5,"end":1951.46,"sentiment":"positive","sentiment_score":0.45889496207237246}],"sentiment":"neutral","sentiment_score":0.2566448318723001,"num_words":19,"start":1923.61,"end":1951.46},{"sentences":[{"text":"Yep.","start":1951.46,"end":1951.96,"sentiment":"positive","sentiment_score":0.3351989686489105},{"text":"Mhmm.","start":1979.56,"end":1980.06,"sentiment":"neutral","sentiment_score":0.046895831823349},{"text":"On a Friday?","start":1991.745,"end":1992.5651,"sentiment":"neutral","sentiment_score":0.01872199835876624},{"text":"Yep.","start":2013.57,"end":2014.07,"sentiment":"neutral","sentiment_score":0.12041368335485458},{"text":"Yep.","start":2046.895,"end":2047.395,"sentiment":"neutral","sentiment_score":0.14088955521583557}],"sentiment":"neutral","sentiment_score":0.09993771915989262,"num_words":7,"start":1951.46,"end":2047.395},{"sentences":[{"text":"Alright.","start":2047.855,"end":2048.355,"sentiment":"neutral","sentiment_score":0.2734360694885254},{"text":"No worries.","start":2048.975,"end":2049.795,"sentiment":"neutral","sentiment_score":0.24393925070762634},{"text":"Yeah.","start":2067.03,"end":2067.53,"sentiment":"positive","sentiment_score":0.33601582050323486},{"text":"No worries.","start":2068.55,"end":2069.3699,"sentiment":"neutral","sentiment_score":0.26796016097068787},{"text":"But yeah.","start":2070.15,"end":2071.03,"sentiment":"neutral","sentiment_score":0.2806192487478256}],"sentiment":"neutral","sentiment_score":0.274311151355505,"num_words":8,"start":2047.855,"end":2071.03},{"sentences":[{"text":"I'll I'll chase that I'll chase that super thing the I'll chase that insurance thing there, that plan, and then I'll send it to you.","start":2071.03,"end":2082.7551,"sentiment":"neutral","sentiment_score":0.2912696921825409},{"text":"Alright.","start":2090.5898,"end":2090.99,"sentiment":"positive","sentiment_score":0.3815626502037048},{"text":"Alright.","start":2090.99,"end":2091.31,"sentiment":"positive","sentiment_score":0.3497210741043091},{"text":"Thanks, Diana.","start":2091.31,"end":2092.21,"sentiment":"positive","sentiment_score":0.613602489233017},{"text":"Diana.","start":2096.1099,"end":2096.51,"sentiment":"neutral","sentiment_score":0.31972065567970276}],"sentiment":"neutral","sentiment_score":0.3186650554339091,"num_words":30,"start":2071.03,"end":2096.51},{"sentences":[{"text":"See you.","start":2096.51,"end":2097.23,"sentiment":"positive","sentiment_score":0.388670414686203},{"text":"Alright.","start":2097.23,"end":2097.73,"sentiment":"neutral","sentiment_score":0.2113018035888672}],"sentiment":"neutral","sentiment_score":0.3295475443204244,"num_words":3,"start":2096.51,"end":2097.73}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Darren. It's Dana Dana from Mercy Financial. How are you?\n\nChannel 1: Good day. It's dying. How are you?\n\nChannel 0: Yeah. Good. Thank you. I had you booked in this morning just to go through your updated statement of advice, and that's a good time there for you.\n\nChannel 1: Yeah. No. It's good. Thanks. Yep.\n\nChannel 0: Fantastic. What I'll do is I'm gonna send you an email with a copy of the document. Are you able to jump into your email, Sarah, and grab that one at all?\n\nChannel 1: Yep.\n\nChannel 0: If you if you're not, that's okay.\n\nChannel 1: And that's\n\nChannel 0: All good.\n\nChannel 1: Oh, grab it.\n\nChannel 0: Easy. Just all that is coming through to you there. Just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yep. Yep. No. I've got it here. Yep.\n\nNo. Thanks.\n\nChannel 0: Excellent. All good. And just to do a really quick security test 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: Yeah. Darren Brett Rogers. 911965. 23 Pilchowski\n\nChannel 0: Yep.\n\nChannel 1: Street,\n\nChannel 0: Beautiful. Thank you so much for that. How's your morning been so far?\n\nChannel 1: Yeah. Pretty good. Yeah.\n\nChannel 0: Oh, that's good. Excellent. Now when you've got that one open there, there might be a little button that says sign. If you press that button, it lets you go through so you can view the document, but I'll never ask you to sign anything you have not read. Okay?\n\nChannel 1: Got it.\n\nChannel 0: Excellent. So with this one here, this advice document on the very front page has been prepared for yourself. Our advice is valid for sixty days from the date on the document there. In the on the bottom of the front page, it has my license number registration for you. So I'm a licensed adviser registered through AISC, and my registration number is 1304394.\n\nChannel 1: Mhmm.\n\nChannel 0: If you scroll forward to page number three, four, and five, you'll see where the areas that we have goes in and out with regards to the advice. So you've now retired, which is fantastic. You're wanting to draw out income payments of $1,200 on a weekly basis to make sure you can survive between now to August. And then when we get close to 67, we'll look at, you know, what Centrelink entitlement you're able to\n\nChannel 1: Yeah.\n\nChannel 0: obtain from there. Okay?\n\nChannel 1: I might bump I might put that up to 1,400 a week just for now.\n\nChannel 0: Oh, okay. We'll\n\nChannel 1: Thanks.\n\nChannel 0: just need to go back and update that for you. We can do one of the two ways. So on the last page of the advice document, you do have, like, an a section where you can know that you wanna increase that 1,400 per week, or I can always\n\nChannel 1: Yep.\n\nChannel 0: go back and just update the advice. Did you want me to just take the instruction for you and you have that noted on the last page, or did you want me to update the advice to reflect that for you? Update\n\nChannel 1: Yeah. Yeah. You\n\nChannel 0: the\n\nChannel 1: can update it. Yep.\n\nChannel 0: advice? Yeah. That's\n\nChannel 1: Yeah.\n\nChannel 0: okay.\n\nChannel 1: Oh, okay.\n\nChannel 0: What I'll\n\nChannel 1: Now what what what what what\n\nChannel 0: do\n\nChannel 1: yeah. What yeah. Are you gonna do it? You mean?\n\nChannel 0: so we've got yeah. So we've got one of two ways. So because with the advice document, we\n\nChannel 1: Alright.\n\nChannel 0: have recommended $1,200 per week, we've kind of factored everything in on that, so the projected outcome, all those bits and pieces.\n\nChannel 1: Hello?\n\nChannel 0: I can go back and just update this. Or on the last page, you can just make a note saying you wanna increase that weekly payment to $1,400,\n\nChannel 1: Yep.\n\nChannel 0: and that's just a a a direction made by yourself. It means we don't update the advice document, but we can just reflect that in your pension payments for you.\n\nChannel 1: Yep.\n\nChannel 0: It's up to\n\nChannel 1: I\n\nChannel 0: you.\n\nChannel 1: think\n\nChannel 0: What would you prefer?\n\nChannel 1: I'll just leave it at 1,200. And like I said, if I want\n\nChannel 0: You\n\nChannel 1: a\n\nChannel 0: sure?\n\nChannel 1: bulk payment, it's just I'm going\n\nChannel 0: Yeah.\n\nChannel 1: overseas and a bit. But it's alright. 1,200 will do things. Yeah.\n\nChannel 0: Are\n\nChannel 1: We'll\n\nChannel 0: you\n\nChannel 1: leave it\n\nChannel 0: sure?\n\nChannel 1: at that.\n\nChannel 0: Yeah. That's okay. No\n\nChannel 1: Yep.\n\nChannel 0: worries. What I'll do, if you change your mind or if you need an updated bulk payment, let me know because you'll be in pension phase. You can absolutely do that.\n\nChannel 1: Yep.\n\nChannel 0: What I'll get you to do when you decide you need those extra funds coming out, just give me a call. Let me know you wanna do a transaction without advice because it's the quickest way to get up regular like, an\n\nChannel 1: Yep.\n\nChannel 0: updated one off payment out. And just\n\nChannel 1: Mhmm.\n\nChannel 0: tell me how much you need, whether you want it taken from all the investments or whether you want the payment quickly from just one or two investments. And just let me know you want that without advice, and I can do that payment quickly for you whenever you need it. Okay?\n\nChannel 1: Alright. What's what's the number I can get you on? Like, we've got a few different\n\nChannel 0: Yeah. It's\n\nChannel 1: numbers\n\nChannel 0: just\n\nChannel 1: here. Just the same number\n\nChannel 0: you're right.\n\nChannel 1: you rang on?\n\nChannel 0: Yeah. Just that number there that comes directly through. Alternatively,\n\nChannel 1: Yeah.\n\nChannel 0: the other number we use, the main number we use is the 1300 number.\n\nChannel 1: Yeah. Right on. Yeah. I've\n\nChannel 0: Yeah.\n\nChannel 1: got all\n\nChannel 0: It's\n\nChannel 1: that\n\nChannel 0: on\n\nChannel 1: number,\n\nChannel 0: the front\n\nChannel 1: sir.\n\nChannel 0: of that doc. Yeah. It's on the front of that document\n\nChannel 1: Yeah.\n\nChannel 0: there. I know we have a lot of phone lines, essentially, but it is on the front of the document on the bottom there. So if you wanted to call that 1300 number, that'll come through. My\n\nChannel 1: Yep.\n\nChannel 0: team will let me know. If I'm available, I'll always take the call and just like,\n\nChannel 1: Yep.\n\nChannel 0: hey, Dana. I need a I need a a one off payment of this amount for this reason. I need it ASAP. Can you do it without advice? And I'll process that and get the form ready for you to sign nice and quickly.\n\nOkay?\n\nChannel 1: Alrighty then. No worries at all. Okay. Thank\n\nChannel 0: Easy.\n\nChannel 1: you.\n\nChannel 0: Easy. That's okay. So what I'll do is I'll go through this with you to make it nice and quick. Essentially, if you can just because you'll get a chance to go back and read the document anyway afterwards. But if you can kinda go down for me just the page number.\n\nSorry.\n\nChannel 1: Which\n\nChannel 0: I'm\n\nChannel 1: which\n\nChannel 0: scrolling\n\nChannel 1: which\n\nChannel 0: through.\n\nChannel 1: page?\n\nChannel 0: Number 20.\n\nChannel 1: Oh, number 20. Right.\n\nChannel 0: Yeah. Perfect. So last time we so what I'm gonna recommend we do for you to start with is that we'll move into pension phase. So we're gonna transfer everything from your accumulation phase into the eight pension phase. Once we have you in pension phase, we'll set up your regular pension pages of $1,200 per week so you receive those nice and quickly.\n\nBut we're\n\nChannel 1: Mhmm.\n\nChannel 0: also gonna do an investment switch. So as we kinda went through, there are some investments that have been underperforming, and we're also looking to reduce your risk level a little bit as well. So,\n\nChannel 1: Yep.\n\nChannel 0: essentially, what we're looking to do with on this page, you'll see all the the red and the green there. We're going to essentially sell off the ACDC, so remove that from your portfolio. We're also removing that along Australian equities because that has been underperforming. We're also removing the bank hybrids because they are being phased out by the government in the future. This is more of a complex investment, and the government is trying to streamline investments to make them a little bit less complex, make them easier for everyone to understand.\n\nSo they\n\nChannel 1: Yep.\n\nChannel 0: are trying to remove some of these more complex investments out. We're better to move them now while we're making some big changes to your portfolio rather than to hold on to them till later on. Physical gold is really well performing in your portfolio. We wanna hold a little bit more of that, about 10%, so we're gonna buy some more physical gold. The cybersecurity investment has been performing a little bit up and down this year.\n\nIt is a good investment to have. We are gonna, sort of, retain that investment, but we only wanna hold 3%. So we are gonna sell some of that down. You're a bit overexposed at the moment. You've got\n\nChannel 1: Alright.\n\nChannel 0: the core composite bonds. These are more of a defensive investment. So bonds think of them a bit like term deposits. You're putting money into the corporate or the corporate or the government bonds, and they're making income payments back to you while they hold that money. Bonds are more defensive in nature.\n\nThey do get a lower rate of return, but as we are in pension phase, we wanna have more income producing funds and see less of those market ups and downs. So having more of these now portfolio is a good thing. With your portfolio, we wanna hold 25%. We only have 6% at the moment, so we are gonna buy a bit more into those defensive investments to lower your risk level. Okay.\n\nChannel 1: Mhmm.\n\nChannel 0: The S and P 500, at the moment, you've got about 30% there. We wanna reduce risk a little bit for you, so we're gonna sell off some of that and only hold 20% of the S and P 500, so it's the top 500 companies in The US. You've got the VerneX property in there as well. We're going to sell all of that down. It's more of a growth asset, and we're looking to reduce risk for you.\n\nYou've also got the beta sales Raffi a 200 in there. So that's some of the top 200 companies in Australia. We are going to remove that investment wholly out of there, and then we're going to buy into some European exposure to give you access to all 16 European countries. The Vanguard All World SUS, this is giving you exposure to the entire globe minus The US because we have the S and P 500 above. The BetaShares a 200, that's giving you exposure to the top 200 companies on the Australian ASX.\n\nIt's more of a lower cost investment, and it's providing you with greater diversification. So we're keep we're going to buy that to give you some Australian equity exposure. And\n\nChannel 1: Mhmm.\n\nChannel 0: then on the last page, we've got the high interest cash account. So the other side of lowering your risk level is about making sure that you do have a defensive investment. This is looking at high yielding cash accounts, so cash accounts that pay good dividends and good income payments, and we wanna hold 10% there for you as well. So we'll be buying into that investment. Okay?\n\nChannel 1: Mhmm.\n\nChannel 0: With your portfolio at the moment, you do have about 6% in cash. Within Netwealth, we certainly wanna hold 1% in cash, so we are going to buy you've got about 50,000 cash at the moment. It's a bit higher than where it should be. So we're gonna\n\nChannel 1: Yep.\n\nChannel 0: essentially, take some of that cash and invest that in this portfolio as above for you. Alright?\n\nChannel 1: Oh, yeah. Yep. Yep.\n\nChannel 0: Beautiful. That is a lot. It's not always everyone's cup of tea, but do you have any questions about any of those investments?\n\nChannel 1: Oh, no.\n\nChannel 0: No.\n\nChannel 1: You\n\nChannel 0: That's\n\nChannel 1: see, you're\n\nChannel 0: okay.\n\nChannel 1: working a lot for me, buddy. Yeah. You said you were\n\nChannel 0: Yeah.\n\nChannel 1: gonna check out any other companies, but these ones are still a good one. Like IP?\n\nChannel 0: We did. Yes.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Correct. So I did have a look at Netwealth, how twenty four minuteor and other super funds. The\n\nChannel 1: Mhmm.\n\nChannel 0: main difference is the reason I decided to stay with Netwealth is that with with moving in if you had a sort of move between any other funds whilst in the accumulation phase of super account work the way it is now, there's a higher CGT cost. Your super fund likely\n\nChannel 1: Yep.\n\nChannel 0: pays tax every year. And in\n\nChannel 1: Yep. Yep.\n\nChannel 0: accumulation phase, the tax is applicable. So moving out of net wealth into, say, hub 24 other funds now, while it did reduce your admin fees just a little bit, it wasn't enough to really offset the capital gains consequences. I also\n\nChannel 1: Mhmm.\n\nChannel 0: looked at moving into another fund, so rolling you into pension and then moving you into another fund. But that becomes very complex because we have to make sure you take the minimum pension payment for the year out of net wealth, then move you into a new fund, have it all reinvested, and then you have to start taking the minimum pension payment again. So it actually means that you would have had to have taken more out of your super fund for the year as a minimum pension payment upfront,\n\nChannel 1: Yep.\n\nChannel 0: which provided more of a disadvantage as well for you. So I did decide to stay with Netwealth because, a, it's a lot less complex, b, there was a lot more in the way of savings by having the funds remaining vested for you. The reason we're moving into pension phase first before doing the investment switch is that in pension phase, you\n\nChannel 1: Yep.\n\nChannel 0: don't pay any capital gains tax or income tax. So by moving into pension phase first then switching the investment, there's no CGT consequences for your super fund, which is a benefit to you. So\n\nChannel 1: Mhmm.\n\nChannel 0: that is a good thing. The administration fees, if you scroll down to page 23, this shows you the fee comparison table.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful.\n\nChannel 1: Alright.\n\nChannel 0: So the different columns there has zero, so there's no tax consequences for making the change in the investments, which is fantastic. The administration fees are basically the same. And look, in all honesty, by moving into hub, it only reduced the administration fees by about 4 or $500 the third year. But the same as with every super fund, they're a tiered structure. So the more your balance increases, the more you pay an admin fee.\n\nSo\n\nChannel 1: Mhmm.\n\nChannel 0: there wasn't as big a savings for moving the fund elsewhere. It really didn't provide you with any great advantage, and Netwealth is not a bad platform. It can it is one of the more expensive ones, but it is a great platform. And if you've had it for years and you understand it and like it, I have sort of had people move from Netwealth to Hub twenty four or other platforms, and then go, oh my god. These platforms are hard to kinda get used to.\n\nSo sometimes just sticking with what you have is a comfort level, but\n\nChannel 1: Yep.\n\nChannel 0: Netwealth is still a very great platform. There's nothing wrong with it. They have a great frontier, and keeping you there means more money stays invested for you, which is important. Okay?\n\nChannel 1: So that's what I that's what I pay, $13,500 a year. Super fees. Is that right?\n\nChannel 0: Where's that? Oh, so that yeah.\n\nChannel 1: Age sixty seven forty\n\nChannel 0: That's\n\nChannel 1: five. Yeah.\n\nChannel 0: yeah. So that 13,000 is including our ongoing service fees. You pay our ongoing service fee of 1.65% per annum. That's all\n\nChannel 1: Yep.\n\nChannel 0: the fees total. The ongoing service fee plus the administration fees and investment fees,\n\nChannel 1: Yep.\n\nChannel 0: that's based on this table here. Essentially, the admin fees don't change, but the investment fees do. So at the moment, you're paying about 3,410 in admin in investment fees. The newer portfolio is actually cheaper, so we're saving about 2,230 with the newer portfolio.\n\nChannel 1: Mhmm.\n\nChannel 0: And the total cost the total cost of fees is reducing as well. So at the moment, your fees are slightly higher. By changing the portfolio, we're actually lowering those for you. Okay?\n\nChannel 1: Mhmm. Right. And so you're saying before that the other company, you gotta take the minimum amount out per what? A year?\n\nChannel 0: Yep.\n\nChannel 1: So what's\n\nChannel 0: Yep.\n\nChannel 1: the what's the what's the amount for Opry? They don't have one. A minimum\n\nChannel 0: So\n\nChannel 1: amount,\n\nChannel 0: it's not\n\nChannel 1: like I said, the amount what yeah. What's\n\nChannel 0: so\n\nChannel 1: your\n\nChannel 0: so\n\nChannel 1: minimum amount\n\nChannel 0: so so\n\nChannel 1: a year? What's your\n\nChannel 0: are you talking about your minimum pension payment amount?\n\nChannel 1: minimum amount? Yeah. Like, someone said to me oh, you said that before, you gotta take so\n\nChannel 0: Yeah.\n\nChannel 1: much per year out of\n\nChannel 0: Yep.\n\nChannel 1: your Yeah.\n\nChannel 0: Super.\n\nChannel 1: So what\n\nChannel 0: Yep.\n\nChannel 1: yeah.\n\nChannel 0: Yep. So it's actually age based. It's not so much about the super fund itself. This is age based, and the minimum pension payments is set by the ACO. So between the ages 60 to 65, you have to take a minimum of 4% per year.\n\nFrom 60\n\nChannel 1: Yep.\n\nChannel 0: five onwards, it's 5% per year. It's the it's the same across every super fund. It's set by the ATO on a yearly basis, and they kind of look at that. The idea is that when you're in pension phase, super is meant to be drawn down as an income stream. And years and years ago, they didn't have, like, a minimum pension payment, and people would just not take the pension.\n\nThey would move into pension phase. They would stay there, not draw any money out of it, and then it would become more of a state planning thing. So they pass that super on to their kids and grandkids and things like that. Since then, the government has made it that because most people are relying on Centrelink and age pension. There's a lot of pressure on the government to sort of pay those benefits, and that pressure is only gonna increase as more and more people retire in the next sort of five to ten years.\n\nSo they have a minimum pension payment requirement where from the age of if you're fully retired and you're in pension base, you have to take a minimum of 4% of your total balance each year, each financial year as a minimum pension payment. There's\n\nChannel 1: So\n\nChannel 0: no\n\nChannel 1: that\n\nChannel 0: maximum. You're\n\nChannel 1: yeah.\n\nChannel 0: yeah. Sorry.\n\nChannel 1: So will that that'll cover that four I don't know. 4% just off copy ad. 1,200 a week would\n\nChannel 0: Oh,\n\nChannel 1: cover\n\nChannel 0: absolutely.\n\nChannel 1: that, wouldn't it?\n\nChannel 0: It's yeah. Absolutely. It's the minimum pension paid for you is about 28,400.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: your pension withdrawal noted here is 64,000 for the year based on $1,200 a week. So\n\nChannel 1: Yep.\n\nChannel 0: you've definitely covered that pension payment. That's absolutely fine.\n\nChannel 1: That's\n\nChannel 0: If for\n\nChannel 1: good.\n\nChannel 0: any reason you don't get that full amount and you are just under the minimum, which you won't be, in June every year, all the super funds do, like, a little bit of a a calculation based on what you have taken, what your balance was on the July 1, and what you should have taken as a minimum pension payment. If for any reason you haven't met that minimum, they just draw down an automatic one off pension payment to make sure you've covered that benefit. So a lot of people who were just not taking the minimum, who does not you're taking much at all, They often find that at the end of the financial\n\nChannel 1: Yep.\n\nChannel 0: year, they have an extra lump sum in their account, and the super fund\n\nChannel 1: Yep.\n\nChannel 0: has just automatically drawn that down. But you've absolutely met that minimum,\n\nChannel 1: Oh,\n\nChannel 0: and\n\nChannel 1: that's\n\nChannel 0: the minimum\n\nChannel 1: good.\n\nChannel 0: gets more gets higher as you get older because as you get older, the government wants you to take more and more of your pension to supplement. They also assume that your health is going to deteriorate as you get\n\nChannel 1: Uh-huh.\n\nChannel 0: older and older, and they want you to make sure you're taking as much of your pension payments as possible, utilizing your super income, essentially. Yeah.\n\nChannel 1: Yep. Alright.\n\nChannel 0: Does that make\n\nChannel 1: Very\n\nChannel 0: sense?\n\nChannel 1: good. Yep. Yep.\n\nChannel 0: All good. Easy. So, look, Netwealth is a great fund. I do wanna keep it there for the time being. We can, as we are moving forward, I will every year do reviews with you and reassess super funds.\n\nIf there's something that's better if there's a a reason to change, we absolutely can. If there's,\n\nChannel 1: Mhmm.\n\nChannel 0: you know, if the fees are getting too much, it's becoming more of an issue, we can absolutely look at other platforms. I just wanted to keep as much money in your favor as possible for you and make sure that we weren't having to draw too much out, make sure we weren't, you know, losing too much in the way of tax consequences as well, and\n\nChannel 1: Yep.\n\nChannel 0: just making sure that everything's safe for you because you're still young. Believe it or not, most people\n\nChannel 1: Alright.\n\nChannel 0: in their retirement live anywhere from twenty to forty years. So that is technically a whole another lifetime in retirement, and we want your\n\nChannel 1: Yep.\n\nChannel 0: super to last as long as possible for you. Okay?\n\nChannel 1: Yeah. That's all. Yep.\n\nChannel 0: Easy.\n\nChannel 1: Yeah.\n\nChannel 0: It's also reducing the risk level as well, which is a good thing. So you're going from that growth environment to 80% in those high risk assets down to about 60%, which is a good thing with just the risk level for you. This is reducing the fees. And as I kinda mentioned, that 13,000, that's including our ongoing service fee as well, which based on your current balance is capped. Moving forward from next year onwards, they are looking to change our fee structure, and our fee structure would become more of a tiered.\n\nSo at the moment, we cap our ongoing service fee at 600,000. Moving forward, the fee structure won't be capped at 600,000, but the more your balance increases, the lower our fee percentage will get. So it'll be more of a tiered structure to provide a greater benefit. But I'll for now, for this year, we're keeping it exactly as it is, and I'll go through that and look at it next year with you as well. Okay?\n\nChannel 1: Alright. Mhmm. Mhmm.\n\nChannel 0: Excellent. And then you've got your withdrawals there as well. There's no insurance premiums coming out of your super, and the newer portfolio has averaged about a 9.15% on a yearly basis over the past five years. So whilst we're reducing the risk level for you, the balanced portfolio that we're moving you into has sort of kept up with inflation and has shown a great great return over the past five years. So moving forward, so long as you can obviously get that kind of return each year depending on market conditions, on the next page, you can sort of see that we would expect your super balance.\n\nThis is not including Centrelink. This is just you taking the current pension drawdown every year. We can sort of expect it to last up until the age of 87 at the moment. Okay.\n\nChannel 1: Yep. No worries. What page is\n\nChannel 0: Yeah.\n\nChannel 1: that? What page on there?\n\nChannel 0: That is on the next one on page 24.\n\nChannel 1: Alright.\n\nChannel 0: Yeah.\n\nChannel 1: Uh-huh. Very good.\n\nChannel 0: Yeah. Beautiful.\n\nChannel 1: No worries.\n\nChannel 0: I did have a look at Centrelink eligibility. At the moment, based on your current assets, you are a bit above the Centrelink eligibility side of things, but\n\nChannel 1: Yep.\n\nChannel 0: there's obviously things that you're wanting to do, you know, assets you wanted to sell down in the future. So we'll\n\nChannel 1: Yep.\n\nChannel 0: definitely have a look at, obviously, what we can do. Age 67 is when you are eligible for age pension. So around about age 66, I'll definitely wanna have a bit more of a look at your assets liability, see what we can do there, Think we can shelter some more money as well to try and get you some age pension just because getting a bit of age pension means we can take less out of super, which makes super last a bit longer there for you.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: But it also also provides you with the, you know, the health care card and things like that, and the benefits you get from the Centrelink age pension card and the health care card outweigh the dollar figure massively. So\n\nChannel 1: Yep.\n\nChannel 0: we'll\n\nChannel 1: Yep.\n\nChannel 0: have a\n\nChannel 1: Yep.\n\nChannel 0: look at that then. But this sort of shows you that by drawing down this regular amount, you can see your super balance lasting quite nicely with the current fee structure and the\n\nChannel 1: Mhmm.\n\nChannel 0: current portfolio returns that it has been as well. And we'll keep reviewing\n\nChannel 1: Yep.\n\nChannel 0: this every year, updating the portfolio, making changes as we need to as well for you. Okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Excellent. Now the other thing I wanted to sort of go through with you is we were just looking to retain so you don't have any insurance that's coming out of your current fund there at the moment at all. You were happy to retain the Resolution Life policy. We spoke to and did the research on the Resolution Life policy for you. They confirmed there that the life and trauma and the income protection policy, the policy ending in 1612, that was canceled as of June 2026.\n\nDo you remember speaking to the your previous adviser on that policy and having that canceled?\n\nChannel 1: Yeah. Yeah. That that was the that was canceled, but he made out another one. Did I give you the wrong\n\nChannel 0: Did he?\n\nChannel 1: yeah.\n\nChannel 0: Might\n\nChannel 1: He,\n\nChannel 0: have. That's okay.\n\nChannel 1: yeah, he canceled one. My broker canceled\n\nChannel 0: Yep.\n\nChannel 1: one, and then he and then he made another one. Did I give you the wrong one? I might give you the wrong bloody.\n\nChannel 0: That's okay. If we can get a copy of the the newer policy, that'd be fantastic. But in here, just note that policy number that had been canceled as of June 2026, and we were only able to do research on that particular policy. So I just\n\nChannel 1: Yes.\n\nChannel 0: wanted to make sure I clarified that with you, and I wasn't scaring you in any way, shape, or form because we wanted to make sure. But he did set up a new policy with the life and trauma. Is that right?\n\nChannel 1: Yeah. That's right.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. What number have you got the number there in front of you that go cancel?\n\nChannel 0: Sure do. It is 811411612.\n\nChannel 1: Yeah. No. Well, this one I got one here.\n\nChannel 0: Just got\n\nChannel 1: So\n\nChannel 0: a pen.\n\nChannel 1: I got them two\n\nChannel 0: You're\n\nChannel 1: resolutions.\n\nChannel 0: right.\n\nChannel 1: I'm just see oh, let Sean call me. Bloody hell. With them two different things, it's a pain in the ass.\n\nChannel 0: Oh, I know. They make it difficult, don't they?\n\nChannel 1: And that one that he canceled. I'll have to\n\nChannel 0: I just wanna make sure that you do have the insurances that you do wanna hold and make\n\nChannel 1: Yeah.\n\nChannel 0: sure there\n\nChannel 1: No.\n\nChannel 0: is another policy for you. But your endowment policy is still that's all still in play. That's all still absolutely fine. That's all still retained.\n\nChannel 1: Yep.\n\nChannel 0: And we'll obviously, when that comes at twenty thirty, we'll have a chat before then and look at what you're able to what you're able to receive at the time and what you wanna do with those funds. But, yeah, I just wanted to let you know this policy with the the life, the trauma, and the IP, the policy number had shown us canceled as of the June 16, and we just wanna make sure that if there is another policy that it is still correct for you. That's all.\n\nChannel 1: Yeah. I'm just trying to see whether this is the right one or not. Because\n\nChannel 0: Yeah. You're\n\nChannel 1: you've\n\nChannel 0: right.\n\nChannel 1: got you actually, you've got the other policy. I've got this one here is Q866. Oh, is that me is that the is it are you try this on queue. 8\n\nChannel 0: Yep.\n\nChannel 1: 68660045DashN. Is that me?\n\nChannel 0: That looks\n\nChannel 1: Is that\n\nChannel 0: promising. That's absolutely perfect. Yep. That's okay. We will get an an authority sent off to them.\n\nIf we need you to sign another one, I'll get the team to organize that to be signed.\n\nChannel 1: yeah. Because\n\nChannel 0: But we'll\n\nChannel 1: that\n\nChannel 0: get\n\nChannel 1: that's\n\nChannel 0: the\n\nChannel 1: not\n\nChannel 0: research\n\nChannel 1: that's\n\nChannel 0: done\n\nChannel 1: not\n\nChannel 0: on that.\n\nChannel 1: yeah. That's not I think that's my new policy there. They've just sent a thing.\n\nChannel 0: Okay.\n\nChannel 1: Yeah. That well, that that doesn't coincide with my old the the old one that endowment one, does it? That's not the same as\n\nChannel 0: Just\n\nChannel 1: the endowment\n\nChannel 0: double\n\nChannel 1: one, is it?\n\nChannel 0: I'm just double checking the policy number there for you just to make sure. Okay.\n\nChannel 1: Oh, no. That's me bloody. That's that's that's the other one. That's one damn it one.\n\nChannel 0: I've got it here. Yeah. So that is the endowment one. So 045N. Yeah.\n\nThe document just opened up for me. Yes. So that's the endowment policy. Yeah. That's okay.\n\nChannel 1: It's got the account number in this new one, but it won't give me it won't show me the whole lot. Update on\n\nChannel 0: Is\n\nChannel 1: your\n\nChannel 0: that\n\nChannel 1: account\n\nChannel 0: an\n\nChannel 1: is\n\nChannel 0: email\n\nChannel 1: very good. Yeah.\n\nChannel 0: is that an email you received from them?\n\nChannel 1: Yeah. This this would be the new one here, but I it won't oh, Jesus. I have to go into Resolution Life. Yeah. It's got the it's just the final digits of it.\n\n11612, account number.\n\nChannel 0: Yes. That's the same account number as what we've got on here as the policy that was canceled on June 2020\n\nChannel 1: That\n\nChannel 0: six.\n\nChannel 1: must be able to cancel there. Where\n\nChannel 0: Yeah.\n\nChannel 1: the bloody hell is\n\nChannel 0: He should\n\nChannel 1: oh,\n\nChannel 0: have\n\nChannel 1: that's\n\nChannel 0: emailed\n\nChannel 1: it.\n\nChannel 0: you an updated one.\n\nChannel 1: Yeah. I know. But I can't. Yeah. Somewhere.\n\nChannel 0: That's okay. Did you wanna try and find it a bit later when I can get the team to follow-up with you just to sort of to get that\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: to get that new\n\nChannel 1: Yeah.\n\nChannel 0: number? Yeah. That way you're not stressing about it now. But, yeah, I just wanted to sort of make sure I had that chat with you and let you know this what we found when we did the the research on that policy. So, hopefully, there is another policy.\n\nIf there's not, let me know. We can always look to help you to try and get life and trauma reinstated some way. Okay?\n\nChannel 1: Yeah. No. It's it is there, but yeah. No worries.\n\nChannel 0: That's\n\nChannel 1: Do you\n\nChannel 0: all good.\n\nChannel 1: actually,\n\nChannel 0: All good. But you're yeah. You're right.\n\nChannel 1: do you want that do you want the broker's number?\n\nChannel 0: Well, we can't actually talk to him. He won't give us any of the information, unfortunately. We'll\n\nChannel 1: Oh,\n\nChannel 0: just sort\n\nChannel 1: yeah.\n\nChannel 0: of need a specific currency. But even\n\nChannel 1: Yeah.\n\nChannel 0: if you can, I don't know, email him and go, hey? Can you send me the updated details of the policy that was put in place\n\nChannel 1: Yep. They'll do\n\nChannel 0: and\n\nChannel 1: that.\n\nChannel 0: see if he can email it to you. Yeah. Use him if, you know, he gets a a fee for holding the poll for looking after the policy for you, so you may\n\nChannel 1: Yeah.\n\nChannel 0: as well get him to email you the to be a currency, confirm the new policy going forward. Yeah.\n\nChannel 1: Alright. Yeah. I'll find it somewhere. It's definitely here.\n\nChannel 0: That's okay. That's alright. I'll get Samantha to follow-up with you either later today or tomorrow just to sort of see if you're able to grab that number for us just so we can\n\nChannel 1: Yeah.\n\nChannel 0: make sure everything is, you know, in incorrect order for you. Okay?\n\nChannel 1: Well, I could send I could send it back to you too. Can\n\nChannel 0: Absolutely. Yeah. Yeah. Definitely. Yep.\n\nChannel 1: Yeah.\n\nChannel 0: And\n\nChannel 1: Right.\n\nChannel 0: if you find there is something not in place and you do need insurances, let me know because I can help you with that, and we can always look at what you need, what you wanna be counted for,\n\nChannel 1: Yeah.\n\nChannel 0: what the cost is, and how we make that more efficient for you.\n\nChannel 1: Yeah.\n\nChannel 0: Okay?\n\nChannel 1: No. I\n\nChannel 0: Yep.\n\nChannel 1: got it. Definitely. Yeah.\n\nChannel 0: Excellent.\n\nChannel 1: Okay.\n\nChannel 0: All good. Easy. Feel free to take some time to read you that document. I sort of try to go through it fairly briefly, just giving you the information you need. But read it through.\n\nYou've got advantages, disadvantages, risks involved with Outline, how we'll implement the advice to make it easier on you. And, yeah, if you decide you wanna increase those regular pension payments to $1,400, on the last page, you've got a line that has multiliner text box. You can just write in there, increase pension to $1,400 per week, and I can always make sure that happens for you if you decide to go that way. Okay?\n\nChannel 1: Alright. Yep.\n\nChannel 0: Yeah. Easy.\n\nChannel 1: Okay.\n\nChannel 0: Do you have\n\nChannel 1: No.\n\nChannel 0: any questions, Darren? I know it's a lot.\n\nChannel 1: No.\n\nChannel 0: I'm so sorry.\n\nChannel 1: No. You're alright.\n\nChannel 0: Yep.\n\nChannel 1: On that multiline.\n\nChannel 0: All good.\n\nChannel 1: Yeah. I see. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: So I\n\nChannel 0: So you\n\nChannel 1: I\n\nChannel 0: can\n\nChannel 1: just\n\nChannel 0: just\n\nChannel 1: sign\n\nChannel 0: leave\n\nChannel 1: that.\n\nChannel 0: that instruction. Yep.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Yep. Beautiful. Did you wanna put a note in that multiline to say to increase the pension payments? Are you happy just the 1,200\n\nChannel 1: No.\n\nChannel 0: for the moment and then just\n\nChannel 1: Yeah.\n\nChannel 0: to take it one off when you need it? Yep.\n\nChannel 1: Yep. I'll just leave it at that at the moment. Yep.\n\nChannel 0: Fantastic. All good. If any questions come out of it, let me know. Other than that, we'll get that implemented nice and quick and start the attention payments for you. Okay?\n\nChannel 1: Alright.\n\nChannel 0: Let's see.\n\nChannel 1: Sign all. I just put\n\nChannel 0: Beautiful.\n\nChannel 1: sign all date. Twenty second. What's the date today? Twenty third.\n\nChannel 0: '20\n\nChannel 1: Text\n\nChannel 0: third is the seventh. Yeah.\n\nChannel 1: no. It's just written down the it's just filled in the twenty second. That's all.\n\nChannel 0: I think because they uploaded it yesterday. Yeah. Sorry about that.\n\nChannel 1: Yeah.\n\nChannel 0: That's okay. Sorry\n\nChannel 1: '20\n\nChannel 0: about\n\nChannel 1: third\n\nChannel 0: that.\n\nChannel 1: down there. And that's well, I signed that, put the date in,\n\nChannel 0: Yep.\n\nChannel 1: and I just scroll\n\nChannel 0: And\n\nChannel 1: up.\n\nChannel 0: then\n\nChannel 1: It's\n\nChannel 0: if\n\nChannel 1: all. Yep.\n\nChannel 0: yes. You click there should be a button that says next or finish or\n\nChannel 1: Valid and sent completed documents.\n\nChannel 0: yep. Perfect.\n\nChannel 1: And do you need to get you need to get me bank account in that too, don't you?\n\nChannel 0: We will. Yes. So when the team download the documents, they'll give you a call and get your bank account information. They'll do it so it's not on a recorded line. So because our lines are recorded, they'll send the recording off to get your bank information.\n\nWe don't wanna\n\nChannel 1: Yep.\n\nChannel 0: do anything that's gonna, you know, hold that information on a recorded line for security, and then they'll open the pen they'll open the send the application to you to have the pension payment opened. It takes about seven days for that to be completely open, so you're not expecting any additional money from your employer to go into your suit. But that's all being paid now from last time that we spoke, isn't\n\nChannel 1: Yeah.\n\nChannel 0: it?\n\nChannel 1: Yeah. It should be all all\n\nChannel 0: Yes.\n\nChannel 1: in\n\nChannel 0: Beautiful.\n\nChannel 1: with every the only yeah.\n\nChannel 0: Beautiful.\n\nChannel 1: That should be all in. Yep.\n\nChannel 0: Beautiful. So we'll set your pension payment up nice and quick. How it'll work is you sign this. I've just got a fax to thank you for that. The team will give you a call either the second or tomorrow to get your bank details.\n\nThey'll open they'll put through the pension application, send it to you to be signed. Once you've signed that, we'll open the pension account up. It takes about seven days to do it because all the investors are in cc'd over into the new pension account.\n\nChannel 1: Mhmm.\n\nChannel 0: And then as soon as that's open, we'll get your pension drawdown started. You can decide what day you want that. Is there a certain day you would like those pension payments to be received from your super fund?\n\nChannel 1: On a Friday?\n\nChannel 0: Yep. Beautiful. On a Friday. Lovely. I'll let them know you want it on a Friday, and I'll make that happen as soon as it's open.\n\nSo they'll let you know the first Friday you receive those pension payments down. And then, yeah, we'll do the investments which after we start those pension payments. That way, you're not you know, you get that money started nice and quickly for you.\n\nChannel 1: Yep.\n\nChannel 0: In the meantime, if you decide, once we move into pension phase, you need any additional money at any time, you can just call me, tell me. We can do it as a transaction without advice. You just give me the direction, and I can organize that paperwork nice and quick. I just run down the risk of taking extra money out for you. As long as you're comfortable with that, we can do those with the withdrawals whenever you need nice and quickly for you, and we'll just keep reviewing those pensions to make sure that the investments are working, that the that the account is working for you, and that your super last as long as possible.\n\nOkay?\n\nChannel 1: Yep. Alright.\n\nChannel 0: Beautiful.\n\nChannel 1: No worries.\n\nChannel 0: Easy. Thank you so much for that. I really appreciated the time today. I'm so sorry. It is a lot to go through, but feel free to have a read to the document if you wanted to kind of run your eyes over any of that.\n\nBut I'm very excited to put this in place for you. I think it's great you're living your life.\n\nChannel 1: Yeah. No worries. But yeah.\n\nChannel 0: Easy.\n\nChannel 1: I'll\n\nChannel 0: Thank you. Yeah.\n\nChannel 1: I'll chase\n\nChannel 0: You're\n\nChannel 1: that\n\nChannel 0: right.\n\nChannel 1: I'll chase that super thing the I'll chase that insurance thing there, that plan, and then I'll\n\nChannel 0: Yep.\n\nChannel 1: send it to you.\n\nChannel 0: Absolutely. Awesome. Thank you so much for that, Darren. You have a lovely day. We'll get this started nice and quick for\n\nChannel 1: Alright. Alright. Thanks, Diana.\n\nChannel 0: you. My pleasure. Enjoy your day. Thank you for your time.\n\nChannel 1: Diana. See you. Alright.\n\nChannel 0: See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.04,"end":1.54,"sentiment":"neutral","sentiment_score":0.0351363942027092}],"sentiment":"neutral","sentiment_score":0.0351363942027092,"channel":1,"num_words":1,"start":1.04,"end":1.54},{"sentences":[{"text":"Hi, Darren.","start":2.72,"end":3.52,"sentiment":"neutral","sentiment_score":0.13628650456666946},{"text":"It's Dana Dana from Mercy Financial.","start":3.52,"end":5.8599997,"sentiment":"neutral","sentiment_score":0.1693784867723783},{"text":"How are you?","start":5.92,"end":6.74,"sentiment":"neutral","sentiment_score":0.19758267203966776}],"sentiment":"neutral","sentiment_score":0.17105381326241928,"channel":0,"num_words":11,"start":2.72,"end":6.74},{"sentences":[{"text":"Good day.","start":6.96,"end":7.3599997,"sentiment":"neutral","sentiment_score":0.3327908366918564},{"text":"It's dying.","start":7.3599997,"end":7.8399997,"sentiment":"neutral","sentiment_score":0.036911865696311},{"text":"How are you?","start":7.8399997,"end":8.58,"sentiment":"neutral","sentiment_score":0.07618491227428119}],"sentiment":"neutral","sentiment_score":0.13828002022845404,"channel":1,"num_words":7,"start":6.96,"end":8.58},{"sentences":[{"text":"Yeah.","start":9.36,"end":9.679999,"sentiment":"neutral","sentiment_score":0.21921919286251068},{"text":"Good.","start":9.679999,"end":10.0,"sentiment":"positive","sentiment_score":0.5093070268630981},{"text":"Thank you.","start":10.0,"end":10.719999,"sentiment":"positive","sentiment_score":0.6441672742366791},{"text":"I had you booked in this morning just to go through your updated statement of advice, and that's a good time there for you.","start":10.719999,"end":15.975,"sentiment":"positive","sentiment_score":0.5356853045523167}],"sentiment":"positive","sentiment_score":0.531189574194806,"channel":0,"num_words":28,"start":9.36,"end":15.975},{"sentences":[{"text":"Yeah.","start":16.445,"end":16.685,"sentiment":"neutral","sentiment_score":0.15853743255138397},{"text":"No.","start":16.685,"end":16.925,"sentiment":"neutral","sentiment_score":0.14550372958183289},{"text":"It's good.","start":16.925,"end":17.325,"sentiment":"positive","sentiment_score":0.3348282724618912},{"text":"Thanks.","start":17.325,"end":17.645,"sentiment":"positive","sentiment_score":0.3955164551734924},{"text":"Yep.","start":17.645,"end":18.145,"sentiment":"positive","sentiment_score":0.3970961570739746}],"sentiment":"neutral","sentiment_score":0.29438505321741104,"channel":1,"num_words":6,"start":16.445,"end":18.145},{"sentences":[{"text":"Fantastic.","start":19.175,"end":19.675,"sentiment":"positive","sentiment_score":0.6275596618652344},{"text":"What I'll do is I'm gonna send you an email with a copy of the document.","start":19.975,"end":23.255001,"sentiment":"neutral","sentiment_score":0.25358663965016603},{"text":"Are you able to jump into your email, Sarah, and grab that one at all?","start":23.255001,"end":26.555,"sentiment":"neutral","sentiment_score":0.14145160714785257}],"sentiment":"neutral","sentiment_score":0.2127100001089275,"channel":0,"num_words":32,"start":19.175,"end":26.555},{"sentences":[{"text":"Yep.","start":27.244999,"end":27.744999,"sentiment":"neutral","sentiment_score":0.04622659832239151}],"sentiment":"neutral","sentiment_score":0.04622659832239151,"channel":1,"num_words":1,"start":27.244999,"end":27.744999},{"sentences":[{"text":"If you if you're not, that's okay.","start":27.975,"end":29.915,"sentiment":"neutral","sentiment_score":-0.03437679048095431}],"sentiment":"neutral","sentiment_score":-0.03437679048095431,"channel":0,"num_words":7,"start":27.975,"end":29.915},{"sentences":[{"text":"And that's","start":30.990002,"end":31.550001,"sentiment":"neutral","sentiment_score":0.1730305328965187}],"sentiment":"neutral","sentiment_score":0.1730305328965187,"channel":1,"num_words":2,"start":30.990002,"end":31.550001},{"sentences":[{"text":"All good.","start":34.09,"end":34.91,"sentiment":"neutral","sentiment_score":0.27684956789016724}],"sentiment":"neutral","sentiment_score":0.27684956789016724,"channel":0,"num_words":2,"start":34.09,"end":34.91},{"sentences":[{"text":"Oh, grab it.","start":34.59,"end":35.65,"sentiment":"neutral","sentiment_score":0.23323755462964377}],"sentiment":"neutral","sentiment_score":0.23323755462964377,"channel":1,"num_words":3,"start":34.59,"end":35.65},{"sentences":[{"text":"Easy.","start":36.57,"end":37.07,"sentiment":"neutral","sentiment_score":0.3296926021575928},{"text":"Just all that is coming through to you there.","start":37.449997,"end":39.71,"sentiment":"neutral","sentiment_score":0.29199614293045467},{"text":"Just to let you know, we do 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so there's no tax consequences for making the change in the investments, which is fantastic.","start":735.565,"end":741.745,"sentiment":"positive","sentiment_score":0.38842959769747476},{"text":"The administration fees are basically the same.","start":742.365,"end":745.165,"sentiment":"neutral","sentiment_score":0.23332364431449346},{"text":"And look, in all honesty, by moving into hub, it only reduced the administration fees by about 4 or $500 the third year.","start":745.165,"end":752.84,"sentiment":"neutral","sentiment_score":0.16772737775159918},{"text":"But the same as with every super fund, they're a tiered structure.","start":752.9,"end":756.28,"sentiment":"neutral","sentiment_score":0.019341462291777134},{"text":"So the more your balance increases, the more you pay an admin 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you.","start":854.405,"end":858.265,"sentiment":"neutral","sentiment_score":0.04641355983912945},{"text":"Okay?","start":858.325,"end":858.825,"sentiment":"neutral","sentiment_score":0.0036678947508335114}],"sentiment":"neutral","sentiment_score":0.038001773370937866,"channel":0,"num_words":33,"start":847.365,"end":858.825},{"sentences":[{"text":"Mhmm.","start":858.42,"end":858.66,"sentiment":"neutral","sentiment_score":0.009751034900546074},{"text":"Right.","start":858.66,"end":859.16,"sentiment":"neutral","sentiment_score":0.014629761688411236},{"text":"And so you're saying before that the other company, you gotta take the minimum amount out per what?","start":859.54,"end":866.135,"sentiment":"neutral","sentiment_score":-0.01094562125702699},{"text":"A 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They emphasize the importance of maintaining a defensive investment portfolio and reducing risk levels for customers. The representatives also provide information on life insurance policies and offer assistance with setting up pension payments and withdrawals from retirement savings accounts. The conversations end with pleasantries and pleasantries between the customers and agents."},"intents":{"segments":[{"text":"What I'll do is I'm gonna send you an email with a copy of the document. Are you able to jump into your email, Sarah, and grab that one at all? Yep.","start_word":54,"end_word":85,"intents":[{"intent":"Confirm understanding of document information","confidence_score":0.0000012320513}]},{"text":"So you've now retired, which is fantastic. 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I also Mhmm.","start_word":2043,"end_word":2079,"intents":[{"intent":"Move fund","confidence_score":0.1840645},{"intent":"Reduce capital gains consequences","confidence_score":0.03535166}]},{"text":"So I did decide to stay with Netwealth because, a, it's a lot less complex, b, there was a lot more in the way of savings by having the funds remaining vested for you.","start_word":2182,"end_word":2215,"intents":[{"intent":"Stay with netwealth","confidence_score":0.7024133},{"intent":"Save funds","confidence_score":0.061702922}]},{"text":"The reason we're moving into pension phase first before doing the investment switch is that in pension phase, you Yep. don't pay any capital gains tax or income tax. So by moving into pension phase first then switching the investment, there's no CGT consequences for your super fund, which is a benefit to you. So Mhmm.","start_word":2216,"end_word":2271,"intents":[{"intent":"Move into pension phase","confidence_score":0.39982903},{"intent":"Switch investment","confidence_score":0.16407268}]},{"text":"The administration fees, if you scroll down to page 23, this shows you the fee comparison table. Yep. Beautiful.","start_word":2277,"end_word":2295,"intents":[{"intent":"Have administration fees","confidence_score":0.00037360884}]},{"text":"It really didn't provide you with any great advantage, and Netwealth is not a bad platform. It can it is one of the more expensive ones, but it is a great platform.","start_word":2387,"end_word":2418,"intents":[{"intent":"Provide advantage","confidence_score":0.05335539}]},{"text":"Netwealth is still a very great platform. There's nothing wrong with it. They have a great frontier, and keeping you there means more money stays invested for you, which is important. Okay?","start_word":2478,"end_word":2509,"intents":[{"intent":"Discuss netwealth platforms","confidence_score":0.010635185}]},{"text":"So they have a minimum pension payment requirement where from the age of if you're fully retired and you're in pension base, you have to take a minimum of 4% of your total balance each year, each financial year as a minimum pension payment.","start_word":2977,"end_word":3020,"intents":[{"intent":"Educate about pension payment requirements","confidence_score":0.006143341}]},{"text":"any reason you don't get that full amount and you are just under the minimum, which you won't be, in June every year, all the super funds do, like, a little bit of a a calculation based on what you have taken, what your balance was on the July 1, and what you should have taken as a minimum pension payment.","start_word":3101,"end_word":3161,"intents":[{"intent":"Consolidate super funds","confidence_score":0.0013704404}]},{"text":"It's also reducing the risk level as well, which is a good thing. So you're going from that growth environment to 80% in those high risk assets down to about 60%, which is a good thing with just the risk level for you. This is reducing the fees.","start_word":3514,"end_word":3561,"intents":[{"intent":"Reducing risk levels","confidence_score":0.0057101874}]},{"text":"This is reducing the fees.","start_word":3557,"end_word":3561,"intents":[{"intent":"Reducing fees","confidence_score":0.05429332}]},{"text":"Moving forward from next year onwards, they are looking to change our fee structure, and our fee structure would become more of a tiered.","start_word":3585,"end_word":3608,"intents":[{"intent":"Changing fee structure","confidence_score":0.36484057}]},{"text":"There's no insurance premiums coming out of your super, and the newer portfolio has averaged about a 9.15% on a yearly basis over the past five years. So whilst we're reducing the risk level for you, the balanced portfolio that we're moving you into has sort of kept up with inflation and has shown a great great return over the past five years.","start_word":3700,"end_word":3762,"intents":[{"intent":"Maximize portfolio returns","confidence_score":0.00013990286}]},{"text":"Now the other thing I wanted to sort of go through with you is we were just looking to retain so you don't have any insurance that's coming out of your current fund there at the moment at all. You were happy to retain the Resolution Life policy. We spoke to and did the research on the Resolution Life policy for you.","start_word":4118,"end_word":4179,"intents":[{"intent":"Retain insurance","confidence_score":0.015482618}]},{"text":"They confirmed there that the life and trauma and the income protection policy, the policy ending in 1612, that was canceled as of June 2026. Do you remember speaking to the your previous adviser on that policy and having that canceled? Yeah. Yeah.","start_word":4181,"end_word":4223,"intents":[{"intent":"Clarify policy cancellation and policy details","confidence_score":0.0040900763}]},{"text":"But he did set up a new policy with the life and trauma. Is that right? Yeah.","start_word":4356,"end_word":4372,"intents":[{"intent":"Confirm policy rescheduling","confidence_score":0.0010163179}]},{"text":"But, yeah, I just wanted to let you know this policy with the the life, the trauma, and the IP, the policy number had shown us canceled as of the June 16, and we just wanna make sure that if there is another policy that it is still correct for you. That's all.","start_word":4543,"end_word":4595,"intents":[{"intent":"Check policy status","confidence_score":0.06540893}]},{"text":"This this would be the new one here, but I it won't oh, Jesus. I have to go into Resolution Life. Yeah.","start_word":4855,"end_word":4876,"intents":[{"intent":"Request policy update","confidence_score":0.077895336}]},{"text":"Can you send me the updated details of the policy that was put in place Yep.","start_word":5126,"end_word":5141,"intents":[{"intent":"Update policy details","confidence_score":0.091186695}]},{"text":"Use him if, you know, he gets a a fee for holding the poll for looking after the policy for you, so you may Yeah.","start_word":5156,"end_word":5180,"intents":[{"intent":"Discuss policy options","confidence_score":0.0014146243}]},{"text":"I'll get Samantha to follow-up with you either later today or tomorrow just to sort of see if you're able to grab that number for us just so we can make Yeah. sure everything is, you know, in incorrect order for you. Okay? Well, I could send I could send it back to you too. Can Absolutely.","start_word":5212,"end_word":5268,"intents":[{"intent":"Request response","confidence_score":0.0011846616}]},{"text":"sure everything is, you know, in incorrect order for you. Okay?","start_word":5244,"end_word":5254,"intents":[{"intent":"Assure accuracy","confidence_score":0.0001334797}]},{"text":"if you find there is something not in place and you do need insurances, let me know because I can help you with that, and we can always look at what you need, what you wanna be counted for, Yeah. what the cost is, and how we make that more efficient for you. Yeah. Okay?","start_word":5276,"end_word":5330,"intents":[{"intent":"Provide assistance","confidence_score":0.006381946}]},{"text":"Feel free to take some time to read you that document. I sort of try to go through it fairly briefly, just giving you the information you need. But read it through. You've got advantages, disadvantages, risks involved with Outline, how we'll implement the advice to make it easier on you.","start_word":5343,"end_word":5393,"intents":[{"intent":"Provide information","confidence_score":0.26675296},{"intent":"Provide guidance on options","confidence_score":0.000086428656},{"intent":"Take time to read document","confidence_score":0.00088344095},{"intent":"Provide information","confidence_score":0.14150357}]},{"text":"any questions, Darren? I know it's a lot. No.","start_word":5460,"end_word":5468,"intents":[{"intent":"Ask questions","confidence_score":0.080070175}]},{"text":"Did you wanna put a note in that multiline to say to increase the pension payments?","start_word":5504,"end_word":5519,"intents":[{"intent":"Organize pension payments","confidence_score":0.00042710788}]},{"text":"So we'll set your pension payment up nice and quick.","start_word":5859,"end_word":5868,"intents":[{"intent":"Set up pension payment","confidence_score":0.744474}]},{"text":"The team will give you a call either the second or tomorrow to get your bank details. They'll open they'll put through the pension application, send it to you to be signed. Once you've signed that, we'll open the pension account up. It takes about seven days to do it because all the investors are in cc'd over into the new pension account. Mhmm.","start_word":5886,"end_word":5949,"intents":[{"intent":"Assist with deposits","confidence_score":0.00019198492}]},{"text":"They'll open they'll put through the pension application, send it to you to be signed.","start_word":5903,"end_word":5917,"intents":[{"intent":"Send application","confidence_score":0.013462546}]},{"text":"Once you've signed that, we'll open the pension account up. It takes about seven days to do it because all the investors are in cc'd over into the new pension account. Mhmm.","start_word":5918,"end_word":5949,"intents":[{"intent":"Open pension account","confidence_score":0.17928234}]},{"text":"Is there a certain day you would like those pension payments to be received from your super fund? On a Friday?","start_word":5971,"end_word":5991,"intents":[{"intent":"Receive pension payments","confidence_score":0.49068013}]},{"text":"In the meantime, if you decide, once we move into pension phase, you need any additional money at any time, you can just call me, tell me. We can do it as a transaction without advice.","start_word":6063,"end_word":6098,"intents":[{"intent":"Schedule transactions","confidence_score":0.013089837}]},{"text":"As long as you're comfortable with that, we can do those with the withdrawals whenever you need nice and quickly for you, and we'll just keep reviewing those pensions to make sure that the investments are working, that the that the account is working for you, and that your super last as long as possible. Okay?","start_word":6127,"end_word":6182,"intents":[{"intent":"Review pensions","confidence_score":0.13993348}]},{"text":"As long as you're comfortable with that, we can do those with the withdrawals whenever you need nice and quickly for you, and we'll just keep reviewing those pensions to make sure that the investments are working, that the that the account is working for you, and that your super last as long as possible. Okay? Yep.","start_word":6127,"end_word":6183,"intents":[{"intent":"Confirm future use","confidence_score":0.0015949921}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Darren. It's Dana Dana from Mercy Financial. How are you? Good day. It's dying. How are you? Yeah.","start_word":0,"end_word":19,"sentiment":"neutral","sentiment_score":0.14399190247058868},{"text":"Good. Thank you. I had you booked in this morning just to go through your updated statement of advice, and that's a good time there for you.","start_word":20,"end_word":46,"sentiment":"positive","sentiment_score":0.5424364805221558},{"text":"Yeah. No.","start_word":47,"end_word":48,"sentiment":"neutral","sentiment_score":0.15202057361602783},{"text":"It's good. Thanks. Yep. Fantastic.","start_word":49,"end_word":53,"sentiment":"positive","sentiment_score":0.4144771695137024},{"text":"What I'll do is I'm gonna send you an email with a copy of the document. Are you able to jump into your email, Sarah, and grab that one at all? Yep. If you if you're not, that's okay. And that's All good. Oh, grab it. Easy. Just all that is coming through to you there. Just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yep. Yep. No. I've got it here. Yep. No. Thanks.","start_word":54,"end_word":143,"sentiment":"neutral","sentiment_score":0.15300863981246948},{"text":"Excellent. All good.","start_word":144,"end_word":146,"sentiment":"positive","sentiment_score":0.4557569622993469},{"text":"And just to do a really quick security test there with you as well, just to confirm your full name, your date of birth, and address I should have on file. Yeah. Darren Brett Rogers. 911965. 23 Pilchowski Yep. Street, Beautiful.","start_word":147,"end_word":187,"sentiment":"neutral","sentiment_score":0.1501297503709793},{"text":"Thank you so much for that.","start_word":188,"end_word":193,"sentiment":"positive","sentiment_score":0.5763033032417297},{"text":"How's your morning been so far? Yeah.","start_word":194,"end_word":200,"sentiment":"neutral","sentiment_score":0.31154665350914},{"text":"Pretty good.","start_word":201,"end_word":202,"sentiment":"positive","sentiment_score":0.3551260232925415},{"text":"Yeah.","start_word":203,"end_word":203,"sentiment":"neutral","sentiment_score":0.21163898706436157},{"text":"Oh, that's good. Excellent.","start_word":204,"end_word":207,"sentiment":"positive","sentiment_score":0.3604965806007385},{"text":"Now when you've got that one open there, there might be a little button that says sign. If you press that button, it lets you go through so you can view the document, but I'll never ask you to sign anything you have not read. Okay? Got it. Excellent. So with this one here, this advice document on the very front page has been prepared for yourself. Our advice is valid for sixty days from the date on the document there. In the on the bottom of the front page, it has my license number registration for you. So I'm a licensed adviser registered through AISC, and my registration number is 1304394. Mhmm. If you scroll forward to page number three, four, and five, you'll see where the areas that we have goes in and out with regards to the advice.","start_word":208,"end_word":348,"sentiment":"neutral","sentiment_score":0.07790049995090945},{"text":"So you've now retired, which is fantastic. You're wanting to draw out income payments of $1,200 on a weekly basis to make sure you can survive between now to August.","start_word":349,"end_word":378,"sentiment":"positive","sentiment_score":0.5941486358642578},{"text":"And then when we get close to 67, we'll look at, you know, what Centrelink entitlement you're able to Yeah. obtain from there. Okay? I might bump I might put that up to 1,400 a week just for now. Oh, okay.","start_word":379,"end_word":419,"sentiment":"neutral","sentiment_score":0.09670554101467133},{"text":"We'll Thanks.","start_word":420,"end_word":421,"sentiment":"positive","sentiment_score":0.3461523950099945},{"text":"just need to go back and update that for you. We can do one of the two ways. So on the last page of the advice document, you do have, like, an a section where you can know that you wanna increase that 1,400 per week, or I can always Yep. go back and just update the advice. Did you want me to just take the instruction for you and you have that noted on the last page, or did you want me to update the advice to reflect that for you? Update Yeah. Yeah. You the can update it. Yep. advice? Yeah. That's Yeah. okay. Oh, okay. What I'll Now what what what what what do yeah. What yeah. Are you gonna do it? You mean? so we've got yeah. So we've got one of two ways. So because with the advice document, we Alright. have recommended $1,200 per week, we've kind of factored everything in on that, so the projected outcome, all those bits and pieces. Hello? I can go back and just update this. Or on the last page, you can just make a note saying you wanna increase that weekly payment to $1,400, Yep. and that's just a a a direction made by yourself. It means we don't update the advice document, but we can just reflect that in your pension payments for you. Yep. It's up to I you. think What would you prefer? I'll just leave it at 1,200. And like I said, if I want You a sure? bulk payment, it's just I'm going Yeah. overseas and a bit. But it's alright. 1,200 will do things. Yeah. Are We'll you leave it sure? at that. Yeah. That's okay. No Yep. worries. What I'll do, if you change your mind or if you need an updated bulk payment, let me know because you'll be in pension phase.","start_word":422,"end_word":734,"sentiment":"neutral","sentiment_score":0.07890602898673889},{"text":"You can absolutely do that. Yep.","start_word":735,"end_word":740,"sentiment":"positive","sentiment_score":0.6243618130683899},{"text":"What I'll get you to do when you decide you need those extra funds coming out, just give me a call. Let me know you wanna do a transaction without advice because it's the quickest way to get up regular like, an Yep. updated one off payment out. And just Mhmm. tell me how much you need, whether you want it taken from all the investments or whether you want the payment quickly from just one or two investments. And just let me know you want that without advice, and I can do that payment quickly for you whenever you need it. Okay? Alright. What's what's the number I can get you on? Like, we've got a few different Yeah. It's numbers just here. Just the same number you're right. you rang on? Yeah. Just that number there that comes directly through. Alternatively, Yeah. the other number we use, the main number we use is the 1300 number. Yeah. Right on. Yeah. I've Yeah. got all It's that on number, the front sir. of that doc. Yeah. It's on the front of that document Yeah. there. I know we have a lot of phone lines, essentially, but it is on the front of the document on the bottom there. So if you wanted to call that 1300 number, that'll come through. My Yep. team will let me know. If I'm available, I'll always take the call and just like, Yep. hey, Dana. I need a I need a a one off payment of this amount for this reason. I need it ASAP. Can you do it without advice? And I'll process that and get the form ready for you to sign nice and quickly. Okay? Alrighty then. No worries at all.","start_word":741,"end_word":1031,"sentiment":"neutral","sentiment_score":0.10367624149289738},{"text":"Okay. Thank Easy. you. Easy. That's okay.","start_word":1032,"end_word":1038,"sentiment":"positive","sentiment_score":0.5064448714256287},{"text":"So what I'll do is I'll go through this with you to make it nice and quick. Essentially, if you can just because you'll get a chance to go back and read the document anyway afterwards. But if you can kinda go down for me just the page number. Sorry. Which I'm which scrolling which through. page? Number 20. Oh, number 20. Right. Yeah.","start_word":1039,"end_word":1102,"sentiment":"neutral","sentiment_score":0.1432429701089859},{"text":"Perfect.","start_word":1103,"end_word":1103,"sentiment":"positive","sentiment_score":0.49500131607055664},{"text":"So last time we so what I'm gonna recommend we do for you to start with is that we'll move into pension phase. So we're gonna transfer everything from your accumulation phase into the eight pension phase. Once we have you in pension phase, we'll set up your regular pension pages of $1,200 per week so you receive those nice and quickly. But we're Mhmm. also gonna do an investment switch. So as we kinda went through, there are some investments that have been underperforming, and we're also looking to reduce your risk level a little bit as well. So, Yep. essentially, what we're looking to do with on this page, you'll see all the the red and the green there. We're going to essentially sell off the ACDC, so remove that from your portfolio. We're also removing that along Australian equities because that has been underperforming. We're also removing the bank hybrids because they are being phased out by the government in the future. This is more of a complex investment, and the government is trying to streamline investments to make them a little bit less complex, make them easier for everyone to understand. So they Yep. are trying to remove some of these more complex investments out. We're better to move them now while we're making some big changes to your portfolio rather than to hold on to them till later on. Physical gold is really well performing in your portfolio. We wanna hold a little bit more of that, about 10%, so we're gonna buy some more physical gold. The cybersecurity investment has been performing a little bit up and down this year.","start_word":1104,"end_word":1379,"sentiment":"neutral","sentiment_score":0.07020273421337639},{"text":"It is a good investment to have.","start_word":1380,"end_word":1386,"sentiment":"positive","sentiment_score":0.6438129544258118},{"text":"We are gonna, sort of, retain that investment, but we only wanna hold 3%. So we are gonna sell some of that down.","start_word":1387,"end_word":1409,"sentiment":"neutral","sentiment_score":0.01064329594373703},{"text":"You're a bit overexposed at the moment.","start_word":1410,"end_word":1416,"sentiment":"negative","sentiment_score":-0.36041030287742615},{"text":"You've got Alright. the core composite bonds. These are more of a defensive investment. So bonds think of them a bit like term deposits. You're putting money into the corporate or the corporate or the government bonds, and they're making income payments back to you while they hold that money. Bonds are more defensive in nature. They do get a lower rate of return, but as we are in pension phase, we wanna have more income producing funds and see less of those market ups and downs.","start_word":1417,"end_word":1503,"sentiment":"neutral","sentiment_score":0.08578513562679291},{"text":"So having more of these now portfolio is a good thing.","start_word":1504,"end_word":1514,"sentiment":"positive","sentiment_score":0.4303921461105346},{"text":"With your portfolio, we wanna hold 25%. We only have 6% at the moment, so we are gonna buy a bit more into those defensive investments to lower your risk level. Okay. Mhmm. The S and P 500, at the moment, you've got about 30% there. We wanna reduce risk a little bit for you, so we're gonna sell off some of that and only hold 20% of the S and P 500, so it's the top 500 companies in The US. You've got the VerneX property in there as well. We're going to sell all of that down. It's more of a growth asset, and we're looking to reduce risk for you. You've also got the beta sales Raffi a 200 in there. So that's some of the top 200 companies in Australia. We are going to remove that investment wholly out of there, and then we're going to buy into some European exposure to give you access to all 16 European countries. The Vanguard All World SUS, this is giving you exposure to the entire globe minus The US because we have the S and P 500 above. The BetaShares a 200, that's giving you exposure to the top 200 companies on the Australian ASX.","start_word":1515,"end_word":1721,"sentiment":"neutral","sentiment_score":0.08263251930475235},{"text":"It's more of a lower cost investment, and it's providing you with greater diversification. So we're keep we're going to buy that to give you some Australian equity exposure.","start_word":1722,"end_word":1750,"sentiment":"positive","sentiment_score":0.6313610076904297},{"text":"And Mhmm. then on the last page, we've got the high interest cash account. So the other side of lowering your risk level is about making sure that you do have a defensive investment.","start_word":1751,"end_word":1784,"sentiment":"neutral","sentiment_score":0.2478724867105484},{"text":"This is looking at high yielding cash accounts, so cash accounts that pay good dividends and good income payments, and we wanna hold 10% there for you as well.","start_word":1785,"end_word":1813,"sentiment":"positive","sentiment_score":0.4631369411945343},{"text":"So we'll be buying into that investment. Okay? Mhmm. With your portfolio at the moment, you do have about 6% in cash. Within Netwealth, we certainly wanna hold 1% in cash, so we are going to buy you've got about 50,000 cash at the moment. It's a bit higher than where it should be. So we're gonna Yep. essentially, take some of that cash and invest that in this portfolio as above for you. Alright? Oh, yeah. Yep. Yep.","start_word":1814,"end_word":1892,"sentiment":"neutral","sentiment_score":0.16267076134681702},{"text":"Beautiful. That is a lot.","start_word":1893,"end_word":1897,"sentiment":"positive","sentiment_score":0.5123451948165894},{"text":"It's not always everyone's cup of tea, but do you have any questions about any of those investments? Oh, no. No. You That's see, you're okay. working a lot for me, buddy. Yeah. You said you were Yeah. gonna check out any other companies, but these ones are still a good one. Like IP? We did. Yes. Yep. Yeah. Correct. So I did have a look at Netwealth, how twenty four minuteor and other super funds. The Mhmm. main difference is the reason I decided to stay with Netwealth is that with with moving in if you had a sort of move between any other funds whilst in the accumulation phase of super account work the way it is now, there's a higher CGT cost. Your super fund likely Yep. pays tax every year. And in Yep. Yep. accumulation phase, the tax is applicable. So moving out of net wealth into, say, hub 24 other funds now, while it did reduce your admin fees just a little bit, it wasn't enough to really offset the capital gains consequences. I also Mhmm. looked at moving into another fund, so rolling you into pension and then moving you into another fund. But that becomes very complex because we have to make sure you take the minimum pension payment for the year out of net wealth, then move you into a new fund, have it all reinvested, and then you have to start taking the minimum pension payment again. So it actually means that you would have had to have taken more out of your super fund for the year as a minimum pension payment upfront, Yep. which provided more of a disadvantage as well for you. So I did decide to stay with Netwealth because, a, it's a lot less complex, b, there was a lot more in the way of savings by having the funds remaining vested for you. The reason we're moving into pension phase first before doing the investment switch is that in pension phase, you Yep. don't pay any capital gains tax or income tax. So by moving into pension phase first then switching the investment, there's no CGT consequences for your super fund, which is a benefit to you. So Mhmm.","start_word":1898,"end_word":2271,"sentiment":"neutral","sentiment_score":0.01741197141993014},{"text":"that is a good thing.","start_word":2272,"end_word":2276,"sentiment":"positive","sentiment_score":0.5187175869941711},{"text":"The administration fees, if you scroll down to page 23, this shows you the fee comparison table.","start_word":2277,"end_word":2293,"sentiment":"neutral","sentiment_score":0.17375662922859192},{"text":"Yep. Beautiful. Alright. So the different columns there has zero, so there's no tax consequences for making the change in the investments, which is fantastic.","start_word":2294,"end_word":2318,"sentiment":"positive","sentiment_score":0.3922578990459442},{"text":"The administration fees are basically the same. And look, in all honesty, by moving into hub, it only reduced the administration fees by about 4 or $500 the third year. But the same as with every super fund, they're a tiered structure. So the more your balance increases, the more you pay an admin fee. So Mhmm. there wasn't as big a savings for moving the fund elsewhere. It really didn't provide you with any great advantage, and Netwealth is not a bad platform.","start_word":2319,"end_word":2402,"sentiment":"neutral","sentiment_score":0.13044321537017822},{"text":"It can it is one of the more expensive ones, but it is a great platform.","start_word":2403,"end_word":2418,"sentiment":"positive","sentiment_score":0.4096381962299347},{"text":"And if you've had it for years and you understand it and like it, I have sort of had people move from Netwealth to Hub twenty four or other platforms, and then go, oh my god. These platforms are hard to kinda get used to. So sometimes just sticking with what you have is a comfort level, but Yep.","start_word":2419,"end_word":2477,"sentiment":"neutral","sentiment_score":0.05403554439544678},{"text":"Netwealth is still a very great platform. There's nothing wrong with it. They have a great frontier, and keeping you there means more money stays invested for you, which is important.","start_word":2478,"end_word":2508,"sentiment":"positive","sentiment_score":0.6385300755500793},{"text":"Okay? So that's what I that's what I pay, $13,500 a year. Super fees. Is that right? Where's that? Oh, so that yeah. Age sixty seven forty That's five. Yeah. yeah. So that 13,000 is including our ongoing service fees. You pay our ongoing service fee of 1.65% per annum. That's all Yep. the fees total. The ongoing service fee plus the administration fees and investment fees, Yep. that's based on this table here. Essentially, the admin fees don't change, but the investment fees do. So at the moment, you're paying about 3,410 in admin in investment fees. The newer portfolio is actually cheaper, so we're saving about 2,230 with the newer portfolio. Mhmm. And the total cost the total cost of fees is reducing as well. So at the moment, your fees are slightly higher. By changing the portfolio, we're actually lowering those for you. Okay? Mhmm. Right. And so you're saying before that the other company, you gotta take the minimum amount out per what? A year? Yep. So what's Yep. the what's the what's the amount for Opry? They don't have one. A minimum So it's amount, not like I said, the amount what yeah. What's so your so minimum amount so so a year? What's your are you talking about your minimum pension payment amount? minimum amount? Yeah. Like, someone said to me oh, you said that before, you gotta take so Yeah. much per year out of Yep. your Yeah. Super. So what Yep. yeah. Yep. So it's actually age based. It's not so much about the super fund itself. This is age based, and the minimum pension payments is set by the ACO. So between the ages 60 to 65, you have to take a minimum of 4% per year. From 60 Yep. five onwards, it's 5% per year. It's the it's the same across every super fund. It's set by the ATO on a yearly basis, and they kind of look at that. The idea is that when you're in pension phase, super is meant to be drawn down as an income stream. And years and years ago, they didn't have, like, a minimum pension payment, and people would just not take the pension. They would move into pension phase. They would stay there, not draw any money out of it, and then it would become more of a state planning thing. So they pass that super on to their kids and grandkids and things like that. Since then, the government has made it that because most people are relying on Centrelink and age pension. There's a lot of pressure on the government to sort of pay those benefits, and that pressure is only gonna increase as more and more people retire in the next sort of five to ten years. So they have a minimum pension payment requirement where from the age of if you're fully retired and you're in pension base, you have to take a minimum of 4% of your total balance each year, each financial year as a minimum pension payment. There's So no that maximum. You're yeah. yeah. Sorry. So will that that'll cover that four I don't know. 4% just off copy ad. 1,200 a week would Oh, cover absolutely. that, wouldn't it? It's yeah. Absolutely. It's the minimum pension paid for you is about 28,400. Yeah. So Yep. your pension withdrawal noted here is 64,000 for the year based on $1,200 a week. So Yep.","start_word":2509,"end_word":3087,"sentiment":"neutral","sentiment_score":0.020394171803662094},{"text":"you've definitely covered that pension payment. That's absolutely fine.","start_word":3088,"end_word":3096,"sentiment":"positive","sentiment_score":0.4743538796901703},{"text":"That's If for good. any reason you don't get that full amount and you are just under the minimum, which you won't be, in June every year, all the super funds do, like, a little bit of a a calculation based on what you have taken, what your balance was on the July 1, and what you should have taken as a minimum pension payment. If for any reason you haven't met that minimum, they just draw down an automatic one off pension payment to make sure you've covered that benefit. So a lot of people who were just not taking the minimum, who does not you're taking much at all, They often find that at the end of the financial Yep. year, they have an extra lump sum in their account, and the super fund Yep. has just automatically drawn that down. But you've absolutely met that minimum, Oh, and that's the minimum good. gets more gets higher as you get older because as you get older, the government wants you to take more and more of your pension to supplement. They also assume that your health is going to deteriorate as you get Uh-huh. older and older, and they want you to make sure you're taking as much of your pension payments as possible, utilizing your super income, essentially. Yeah. Yep. Alright. Does that make Very sense? good. Yep. Yep.","start_word":3097,"end_word":3328,"sentiment":"neutral","sentiment_score":-0.03639083355665207},{"text":"All good. Easy. So, look, Netwealth is a great fund. I do wanna keep it there for the time being.","start_word":3329,"end_word":3348,"sentiment":"positive","sentiment_score":0.4801534414291382},{"text":"We can, as we are moving forward, I will every year do reviews with you and reassess super funds. If there's something that's better if there's a a reason to change, we absolutely can. If there's, Mhmm. you know, if the fees are getting too much, it's becoming more of an issue, we can absolutely look at other platforms. I just wanted to keep as much money in your favor as possible for you and make sure that we weren't having to draw too much out, make sure we weren't, you know, losing too much in the way of tax consequences as well, and Yep.","start_word":3349,"end_word":3453,"sentiment":"neutral","sentiment_score":0.0987139418721199},{"text":"just making sure that everything's safe for you because you're still young.","start_word":3454,"end_word":3465,"sentiment":"positive","sentiment_score":0.35462266206741333},{"text":"Believe it or not, most people Alright. in their retirement live anywhere from twenty to forty years.","start_word":3466,"end_word":3482,"sentiment":"neutral","sentiment_score":0.15259936451911926},{"text":"So that is technically a whole another lifetime in retirement, and we want your Yep. super to last as long as possible for you.","start_word":3483,"end_word":3506,"sentiment":"positive","sentiment_score":0.43427538871765137},{"text":"Okay? Yeah.","start_word":3507,"end_word":3508,"sentiment":"neutral","sentiment_score":0.24641546607017517},{"text":"That's all. Yep. Easy. Yeah. It's also reducing the risk level as well, which is a good thing. So you're going from that growth environment to 80% in those high risk assets down to about 60%, which is a good thing with just the risk level for you.","start_word":3509,"end_word":3556,"sentiment":"positive","sentiment_score":0.5124271512031555},{"text":"This is reducing the fees. And as I kinda mentioned, that 13,000, that's including our ongoing service fee as well, which based on your current balance is capped. Moving forward from next year onwards, they are looking to change our fee structure, and our fee structure would become more of a tiered. So at the moment, we cap our ongoing service fee at 600,000. Moving forward, the fee structure won't be capped at 600,000, but the more your balance increases, the lower our fee percentage will get. So it'll be more of a tiered structure to provide a greater benefit. But I'll for now, for this year, we're keeping it exactly as it is, and I'll go through that and look at it next year with you as well. Okay? Alright. Mhmm. Mhmm.","start_word":3557,"end_word":3689,"sentiment":"neutral","sentiment_score":0.13502301275730133},{"text":"Excellent.","start_word":3690,"end_word":3690,"sentiment":"positive","sentiment_score":0.4394027590751648},{"text":"And then you've got your withdrawals there as well. There's no insurance premiums coming out of your super, and the newer portfolio has averaged about a 9.15% on a yearly basis over the past five years.","start_word":3691,"end_word":3726,"sentiment":"neutral","sentiment_score":0.2818813920021057},{"text":"So whilst we're reducing the risk level for you, the balanced portfolio that we're moving you into has sort of kept up with inflation and has shown a great great return over the past five years.","start_word":3727,"end_word":3762,"sentiment":"positive","sentiment_score":0.36695513129234314},{"text":"So moving forward, so long as you can obviously get that kind of return each year depending on market conditions, on the next page, you can sort of see that we would expect your super balance. This is not including Centrelink. This is just you taking the current pension drawdown every year. We can sort of expect it to last up until the age of 87 at the moment. Okay. Yep. No worries. What page is Yeah. that? What page on there? That is on the next one on page 24. Alright. Yeah. Uh-huh.","start_word":3763,"end_word":3856,"sentiment":"neutral","sentiment_score":0.12684182030089358},{"text":"Very good. Yeah. Beautiful.","start_word":3857,"end_word":3860,"sentiment":"positive","sentiment_score":0.5851337909698486},{"text":"No worries. I did have a look at Centrelink eligibility. At the moment, based on your current assets, you are a bit above the Centrelink eligibility side of things, but there's Yep. obviously things that you're wanting to do, you know, assets you wanted to sell down in the future. So we'll Yep. definitely have a look at, obviously, what we can do. Age 67 is when you are eligible for age pension. So around about age 66, I'll definitely wanna have a bit more of a look at your assets liability, see what we can do there, Think we can shelter some more money as well to try and get you some age pension just because getting a bit of age pension means we can take less out of super, which makes super last a bit longer there for you. Mhmm. Yep. But it also also provides you with the, you know, the health care card and things like that, and the benefits you get from the Centrelink age pension card and the health care card outweigh the dollar figure massively. So Yep. we'll Yep. have a Yep. look at that then. But this sort of shows you that by drawing down this regular amount, you can see your super balance lasting quite nicely with the current fee structure and the Mhmm. current portfolio returns that it has been as well. And we'll keep reviewing Yep. this every year, updating the portfolio, making changes as we need to as well for you. Okay? Yep. Yep.","start_word":3861,"end_word":4116,"sentiment":"neutral","sentiment_score":0.16601012647151947},{"text":"Excellent.","start_word":4117,"end_word":4117,"sentiment":"positive","sentiment_score":0.5570639371871948},{"text":"Now the other thing I wanted to sort of go through with you is we were just looking to retain so you don't have any insurance that's coming out of your current fund there at the moment at all.","start_word":4118,"end_word":4156,"sentiment":"neutral","sentiment_score":0.06226213648915291},{"text":"You were happy to retain the Resolution Life policy.","start_word":4157,"end_word":4165,"sentiment":"positive","sentiment_score":0.4121234118938446},{"text":"We spoke to and did the research on the Resolution Life policy for you. They confirmed there that the life and trauma and the income protection policy, the policy ending in 1612, that was canceled as of June 2026. Do you remember speaking to the your previous adviser on that policy and having that canceled? Yeah. Yeah. That that was the that was canceled, but he made out another one. Did I give you the wrong Did he? yeah. Might He, have. That's okay. yeah, he canceled one. My broker canceled Yep. one, and then he and then he made another one. Did I give you the wrong one?","start_word":4166,"end_word":4274,"sentiment":"neutral","sentiment_score":-0.0698295381911304},{"text":"I might give you the wrong bloody.","start_word":4275,"end_word":4281,"sentiment":"negative","sentiment_score":-0.3892331123352051},{"text":"That's okay.","start_word":4282,"end_word":4283,"sentiment":"neutral","sentiment_score":-0.05501032620668411},{"text":"If we can get a copy of the the newer policy, that'd be fantastic.","start_word":4284,"end_word":4297,"sentiment":"positive","sentiment_score":0.4649604856967926},{"text":"But in here, just note that policy number that had been canceled as of June 2026, and we were only able to do research on that particular policy. So I just Yes. wanted to make sure I clarified that with you, and I wasn't scaring you in any way, shape, or form because we wanted to make sure. But he did set up a new policy with the life and trauma. Is that right? Yeah. That's right. Yep. Yeah. What number have you got the number there in front of you that go cancel? Sure do. It is 811411612. Yeah. No. Well, this one I got one here. Just got So a pen. I got them two You're resolutions. right. I'm just see oh, let Sean call me.","start_word":4298,"end_word":4425,"sentiment":"neutral","sentiment_score":-0.0017954130889847877},{"text":"Bloody hell. With them two different things, it's a pain in the ass.","start_word":4426,"end_word":4438,"sentiment":"negative","sentiment_score":-0.6522823572158813},{"text":"Oh, I know. They make it difficult, don't they? And that one that he canceled. I'll have to I just wanna make sure that you do have the insurances that you do wanna hold and make Yeah. sure there No. is another policy for you. But your endowment policy is still that's all still in play.","start_word":4439,"end_word":4494,"sentiment":"neutral","sentiment_score":-0.1622414588928223},{"text":"That's all still absolutely fine.","start_word":4495,"end_word":4499,"sentiment":"positive","sentiment_score":0.3354232609272003},{"text":"That's all still retained. Yep. And we'll obviously, when that comes at twenty thirty, we'll have a chat before then and look at what you're able to what you're able to receive at the time and what you wanna do with those funds. But, yeah, I just wanted to let you know this policy with the the life, the trauma, and the IP, the policy number had shown us canceled as of the June 16, and we just wanna make sure that if there is another policy that it is still correct for you. That's all. Yeah. I'm just trying to see whether this is the right one or not. Because Yeah. You're you've right. got you actually, you've got the other policy. I've got this one here is Q866. Oh, is that me is that the is it are you try this on queue. 8 Yep. 68660045DashN. Is that me?","start_word":4500,"end_word":4650,"sentiment":"neutral","sentiment_score":0.02119858588850656},{"text":"That looks Is that promising. That's absolutely perfect.","start_word":4651,"end_word":4658,"sentiment":"positive","sentiment_score":0.5899896025657654},{"text":"Yep. That's okay. We will get an an authority sent off to them. If we need you to sign another one, I'll get the team to organize that to be signed. yeah. Because But we'll that get that's the not research that's done not on that. yeah. That's not I think that's my new policy there. They've just sent a thing. Okay. Yeah. That well, that that doesn't coincide with my old the the old one that endowment one, does it? That's not the same as Just the endowment double one, is it? I'm just double checking the policy number there for you just to make sure. Okay. Oh, no.","start_word":4659,"end_word":4768,"sentiment":"neutral","sentiment_score":-0.002769053215160966},{"text":"That's me bloody.","start_word":4769,"end_word":4771,"sentiment":"negative","sentiment_score":-0.40364548563957214},{"text":"That's that's that's the other one. That's one damn it one. I've got it here. Yeah. So that is the endowment one. So 045N. Yeah. The document just opened up for me. Yes. So that's the endowment policy. Yeah. That's okay. It's got the account number in this new one, but it won't give me it won't show me the whole lot.","start_word":4772,"end_word":4833,"sentiment":"neutral","sentiment_score":-0.0779576227068901},{"text":"Update on Is your that account an is email very good.","start_word":4834,"end_word":4844,"sentiment":"positive","sentiment_score":0.37080851197242737},{"text":"Yeah. is that an email you received from them? Yeah. This this would be the new one here, but I it won't oh, Jesus. I have to go into Resolution Life. Yeah. It's got the it's just the final digits of it. 11612, account number. Yes. That's the same account number as what we've got on here as the policy that was canceled on June 2020 That six. must be able to cancel there. Where Yeah. the bloody hell is He should oh, have that's emailed it. you an updated one. Yeah. I know. But I can't. Yeah. Somewhere. That's okay. Did you wanna try and find it a bit later when I can get the team to follow-up with you just to sort of to get that Yeah. Yeah. to get that new Yeah. number? Yeah. That way you're not stressing about it now. But, yeah, I just wanted to sort of make sure I had that chat with you and let you know this what we found when we did the the research on that policy. So, hopefully, there is another policy. If there's not, let me know. We can always look to help you to try and get life and trauma reinstated some way. Okay? Yeah. No. It's it is there, but yeah. No worries. That's Do you all good. actually, All good. But you're yeah. You're right. do you want that do you want the broker's number? Well, we can't actually talk to him. He won't give us any of the information, unfortunately. We'll Oh, just sort yeah. of need a specific currency. But even Yeah. if you can, I don't know, email him and go, hey? Can you send me the updated details of the policy that was put in place Yep. They'll do and that. see if he can email it to you. Yeah. Use him if, you know, he gets a a fee for holding the poll for looking after the policy for you, so you may Yeah. as well get him to email you the to be a currency, confirm the new policy going forward. Yeah. Alright. Yeah. I'll find it somewhere.","start_word":4845,"end_word":5204,"sentiment":"neutral","sentiment_score":0.024610893774984613},{"text":"It's definitely here. That's okay.","start_word":5205,"end_word":5209,"sentiment":"positive","sentiment_score":0.4119358658790589},{"text":"That's alright. I'll get Samantha to follow-up with you either later today or tomorrow just to sort of see if you're able to grab that number for us just so we can make Yeah.","start_word":5210,"end_word":5243,"sentiment":"neutral","sentiment_score":0.1294645071029663},{"text":"sure everything is, you know, in incorrect order for you.","start_word":5244,"end_word":5253,"sentiment":"negative","sentiment_score":-0.4076191484928131},{"text":"Okay? Well, I could send I could send it back to you too. Can Absolutely. Yeah. Yeah. Definitely. Yep. Yeah. And Right. if you find there is something not in place and you do need insurances, let me know because I can help you with that, and we can always look at what you need, what you wanna be counted for, Yeah. what the cost is, and how we make that more efficient for you. Yeah. Okay? No. I Yep. got it. Definitely. Yeah.","start_word":5254,"end_word":5337,"sentiment":"neutral","sentiment_score":0.05191171541810036},{"text":"Excellent.","start_word":5338,"end_word":5338,"sentiment":"positive","sentiment_score":0.43626341223716736},{"text":"Okay.","start_word":5339,"end_word":5339,"sentiment":"neutral","sentiment_score":0.3328517973423004},{"text":"All good. Easy.","start_word":5340,"end_word":5342,"sentiment":"positive","sentiment_score":0.4436993598937988},{"text":"Feel free to take some time to read you that document. I sort of try to go through it fairly briefly, just giving you the information you need. But read it through. You've got advantages, disadvantages, risks involved with Outline, how we'll implement the advice to make it easier on you. And, yeah, if you decide you wanna increase those regular pension payments to $1,400, on the last page, you've got a line that has multiliner text box. You can just write in there, increase pension to $1,400 per week, and I can always make sure that happens for you if you decide to go that way. Okay? Alright. Yep. Yeah. Easy. Okay. Do you have No. any questions, Darren? I know it's a lot. No. I'm so sorry. No. You're alright. Yep. On that multiline. All good. Yeah. I see. Yeah. Yeah. So I So you I can just just sign leave that. that instruction. Yep. Yep. Yep. Yep.","start_word":5343,"end_word":5502,"sentiment":"neutral","sentiment_score":0.10303907725028694},{"text":"Beautiful.","start_word":5503,"end_word":5503,"sentiment":"positive","sentiment_score":0.5837868452072144},{"text":"Did you wanna put a note in that multiline to say to increase the pension payments? Are you happy just the 1,200 No. for the moment and then just Yeah. to take it one off when you need it? Yep. Yep. I'll just leave it at that at the moment.","start_word":5504,"end_word":5553,"sentiment":"neutral","sentiment_score":0.01006912626326084},{"text":"Yep. Fantastic. All good. If any questions come out of it, let me know. Other than that, we'll get that implemented nice and quick and start the attention payments for you.","start_word":5554,"end_word":5584,"sentiment":"positive","sentiment_score":0.47672948241233826},{"text":"Okay? Alright. Let's see. Sign all. I just put Beautiful. sign all date. Twenty second. What's the date today? Twenty third. '20 Text third is the seventh. Yeah. no. It's just written down the it's just filled in the twenty second. That's all. I think because they uploaded it yesterday. Yeah. Sorry about that. Yeah. That's okay. Sorry '20 about third that. down there. And that's well, I signed that, put the date in, Yep. and I just scroll And up. then It's if all. Yep. yes. You click there should be a button that says next or finish or Valid and sent completed documents. yep.","start_word":5585,"end_word":5690,"sentiment":"neutral","sentiment_score":0.03594702482223511},{"text":"Perfect.","start_word":5691,"end_word":5691,"sentiment":"positive","sentiment_score":0.34997624158859253},{"text":"And do you need to get you need to get me bank account in that too, don't you? We will. Yes. So when the team download the documents, they'll give you a call and get your bank account information. They'll do it so it's not on a recorded line. So because our lines are recorded, they'll send the recording off to get your bank information. We don't wanna Yep. do anything that's gonna, you know, hold that information on a recorded line for security, and then they'll open the pen they'll open the send the application to you to have the pension payment opened. It takes about seven days for that to be completely open, so you're not expecting any additional money from your employer to go into your suit. But that's all being paid now from last time that we spoke, isn't it? Yeah. Yeah. It should be all all Yes.","start_word":5692,"end_word":5843,"sentiment":"neutral","sentiment_score":0.013839482145972158},{"text":"in Beautiful.","start_word":5844,"end_word":5845,"sentiment":"positive","sentiment_score":0.4382634162902832},{"text":"with every the only yeah.","start_word":5846,"end_word":5850,"sentiment":"neutral","sentiment_score":0.2953318953514099},{"text":"Beautiful. That should be all in. Yep. Beautiful. So we'll set your pension payment up nice and quick.","start_word":5851,"end_word":5868,"sentiment":"positive","sentiment_score":0.4381064176559448},{"text":"How it'll work is you sign this.","start_word":5869,"end_word":5875,"sentiment":"neutral","sentiment_score":0.31871914863586426},{"text":"I've just got a fax to thank you for that.","start_word":5876,"end_word":5885,"sentiment":"positive","sentiment_score":0.5744837522506714},{"text":"The team will give you a call either the second or tomorrow to get your bank details. They'll open they'll put through the pension application, send it to you to be signed. Once you've signed that, we'll open the pension account up. It takes about seven days to do it because all the investors are in cc'd over into the new pension account. Mhmm. And then as soon as that's open, we'll get your pension drawdown started. You can decide what day you want that. Is there a certain day you would like those pension payments to be received from your super fund? On a Friday? Yep.","start_word":5886,"end_word":5992,"sentiment":"neutral","sentiment_score":0.11384068429470062},{"text":"Beautiful.","start_word":5993,"end_word":5993,"sentiment":"positive","sentiment_score":0.3515127897262573},{"text":"On a Friday.","start_word":5994,"end_word":5996,"sentiment":"neutral","sentiment_score":0.26792433857917786},{"text":"Lovely.","start_word":5997,"end_word":5997,"sentiment":"positive","sentiment_score":0.4671356976032257},{"text":"I'll let them know you want it on a Friday, and I'll make that happen as soon as it's open. So they'll let you know the first Friday you receive those pension payments down. And then, yeah, we'll do the investments which after we start those pension payments.","start_word":5998,"end_word":6045,"sentiment":"neutral","sentiment_score":0.26844534277915955},{"text":"That way, you're not you know, you get that money started nice and quickly for you.","start_word":6046,"end_word":6061,"sentiment":"positive","sentiment_score":0.3449537754058838},{"text":"Yep. In the meantime, if you decide, once we move into pension phase, you need any additional money at any time, you can just call me, tell me. We can do it as a transaction without advice. You just give me the direction, and I can organize that paperwork nice and quick. I just run down the risk of taking extra money out for you. As long as you're comfortable with that, we can do those with the withdrawals whenever you need nice and quickly for you, and we'll just keep reviewing those pensions to make sure that the investments are working, that the that the account is working for you, and that your super last as long as possible. Okay? Yep. Alright.","start_word":6062,"end_word":6184,"sentiment":"neutral","sentiment_score":0.20551536977291107},{"text":"Beautiful.","start_word":6185,"end_word":6185,"sentiment":"positive","sentiment_score":0.43900442123413086},{"text":"No worries.","start_word":6186,"end_word":6187,"sentiment":"neutral","sentiment_score":0.2525683343410492},{"text":"Easy. Thank you so much for that. I really appreciated the time today.","start_word":6188,"end_word":6200,"sentiment":"positive","sentiment_score":0.7936227321624756},{"text":"I'm so sorry. It is a lot to go through, but feel free to have a read to the document if you wanted to kind of run your eyes over any of that.","start_word":6201,"end_word":6233,"sentiment":"neutral","sentiment_score":0.12391889840364456},{"text":"But I'm very excited to put this in place for you. I think it's great you're living your life. Yeah.","start_word":6234,"end_word":6253,"sentiment":"positive","sentiment_score":0.762493908405304},{"text":"No worries. But yeah.","start_word":6254,"end_word":6257,"sentiment":"neutral","sentiment_score":0.28422707319259644},{"text":"Easy. I'll Thank you.","start_word":6258,"end_word":6261,"sentiment":"positive","sentiment_score":0.41364070773124695},{"text":"Yeah. I'll chase You're that right. I'll chase that super thing the I'll chase that insurance thing there, that plan, and then Yep. I'll send it to you.","start_word":6262,"end_word":6289,"sentiment":"neutral","sentiment_score":0.2510041892528534},{"text":"Absolutely. Awesome. Thank you so much for that, Darren. You have a lovely day. We'll get this started nice and quick for Alright. Alright. Thanks, Diana. you. My pleasure. Enjoy your day. Thank you for your time.","start_word":6290,"end_word":6326,"sentiment":"positive","sentiment_score":0.7046931385993958},{"text":"Diana.","start_word":6327,"end_word":6327,"sentiment":"neutral","sentiment_score":0.31972065567970276},{"text":"See you.","start_word":6328,"end_word":6329,"sentiment":"positive","sentiment_score":0.3933628499507904},{"text":"Alright. See you later. Bye.","start_word":6330,"end_word":6334,"sentiment":"neutral","sentiment_score":0.248220756649971}],"average":{"sentiment":"neutral","sentiment_score":0.10830119640310792}}}}