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I did is now still a good time to go negotiate the statement of advice, or is there a better time that you wanted me to call back? Or Sounds good. Yeah. Absolutely. Not a problem at all. What I normally do is I send through the document to you just by email there. Do you have access to your emails at the moment? Yep. Beautiful. Lovely. I'm just gonna send it through so you can have a look at the document as we are going through. It just makes it a little bit easier there. I do also just have to let you know we do record our calls for quality and training purposes moving forward. Are you comfortable with that? Lovely. Thank you so much. How was your weekend? Yeah. That's good. That's ex it was busy, but it was good. Yeah. Beautiful. Now I've just sent that one through to you, Vivian. Hopefully, it pops through fairly quickly for you. Yes. That's the one I have here. Yeah. Hannah.verve@icloud.com. Beautiful. Lovely. So when you open up that one, now I have attached the statement of advice as an attachment. But when you open the email, it does have a button that says to sign. It's not gonna ask you to sign anything. It's just you press that button, so it allows you to continue forward so you can review the document. And then you should be able to scroll up and down through the pages to make it easier. Is that all working for you? Fantastic. Now on the first page there, you should see it says OP Financial and the statement of advice as prepared for yourself as of the 03/25/2026 there. It has been prepared by myself, Dana Taylor. I'm an authorized representative under Oakview Financial. My registration number is 1304394. Okay? As you scroll through the next pages there, you'll see we've got the best interest duty. It's just letting you know that any advice we do provide is provided under the best interest duty, which is part of the corporation's ask. It's about making sure that we understand your goals, your financial and personal situation to make sure that the recommendations provided are there to put you in a best in a best possible position to meet your goals and objectives and to make sure they are in your best interest moving forward. Okay? Beautiful. The next page is the table of contents. And moving on beyond that, you'll see we've got some areas that we have scoped in for advice. So it could be considered areas. We're looking at superannuation working towards your goals. They're looking at the trends, their time, and strategies for you to see if we can increase contributions in, help maybe reduce a little bit of income tax, but also makes your income stays relatively the same. We looked at the personal insurance aspect, so you have some life and TV data. You were happy not to sort of have those any further, so we've looked at, you know, what that can do for your super as well. And then we've also got the estate planning considerations. So one of the big things is making sure that beneficiary nominations are set up correctly, that it refers to your wishes, and also making sure your wills and power of attorneys are also reflective of that as well. Okay. Beautiful. The next page is the limited scope basis. So because you are a little bit away from retirement, essentially, we're looking at what this is doing for you now and, yeah, the effect of this. We look at whether it comes to retirement planning and the Social Security in this document. It's more to showing you the long term effect of the recommendations and how this can help you in those retirement years. So we don't make a recommendation as yet on how to draw down the income once you hit that retirement age or what sort of Social Security benefit you're expecting as a dollar figure, but it's sort of showing you a bit of a graph and a table on where we see everything sitting with regards to these recommendations. Now when you get so to try and use, you know, exactly what you wanna draw down, exactly, you know, when you're gonna retire, the date you've got there, we can then in the in-depth, sorry, make another recommendation around this sort of area. It's just that with Social Security, it changes a couple of times a year, so we're a bit far out to really assess that at the moment. And with retirement, we will always make sure we're updating that down the track for you when you get closer to it. Okay? Perfect. On page number seven, we have the areas that we've not considered there. So you've got your investment property at the moment. We're not making a recommendation around that currently. However, we can help you with additional advice down the track if you would like to. Okay? We've also got no additional personal insurances. So we have fact in just the cancellation of your life and TPD. However, you didn't have any income protection or any trauma or any other type of personal cover. So we've scoped out getting any additional cover for you. Okay? Perfect. The next page is essentially the limited advice warning. So this is letting you know that we do scope in in our areas that we are looking at with regards to the advice. Any areas that we have scoped out or any areas that you have we've not received advice on, you're welcome to come back at a later time, have a conversation with me, and we can always provide advice on those additional areas for you. It's important to note this is just a starting point as well. So the advice they provide now is not a set and forget. It's about reviewing the advice, making sure it's working for you, and keeping to, you know, alter it as your goals change, as your life changes. One of the things you may have mentioned was that, you know, you might look at getting out of this current work and moving into more of a a care sort of role. So when that time changes, there could be some, you know, bigger effects on your retirement goals and things like that. So we wanna keep evolving the advice as your life as your goals change. Okay? Perfect. This also lets you know that we're not solicitors. So when it comes to the drafting of wills and power of attorneys, we can refer you through to a solicitor if you did require the services of one. But our financial advisers, they're not solicitous, so we can't technically draft a bill for you. We also when it comes to insurances, do look at personal covers, so things like life, TPD, and income protection. Other types of general insurance products like house, motor liability, and business cover, we don't provide advice on, but we can always refer you to a general insurance broker if you would require those services. And under the Better Advice Act 2021, as a financial adviser, I'm able to provide tax financial advice. So it's basically looking at, you know, anything you've got coming up, CGT or tax to tax related areas and providing advice around those, whether it be to minimize, to utilize, or, you know, maximize depending on your situation. But we're not accountants, so we don't do your tax return for you. And if you did require the services of a tax accountant, we can absolutely refer you through to one as well. Okay? Perfect. Beautiful. The next page is the about you section. Is there any kind of information on that page that you might need to have to update? If that's everything that we had collected originally, just wanna make sure that there's no major changes since we last caught up. Perfect. Oh, me too. Tell you what, if I win, I'll share. If I win, I'll make sure I call you and share. Absolutely. And the next page is your assets and liabilities there as well. So this is the information that we had based on your current asset and liabilities noted. I know there can be some changes around the the loans and the values there, but is there anything that you would like to have updated, or is everything still fairly accurate? Beautiful. And underneath that, we also have your current superannuation and your car insurance as noted as well. Okay. Perfect. Lovely. I'm I'm gonna skip through a few pages to kinda go through the recommendations. But once we've gone through everything after the call, you'll be able to go back and have a really good read of the document, look at the the recommendations in detail, the advantages, disadvantages, risks, and alternatives considered, and you're welcome to come back with me with any questions. Okay? Beautiful. That's okay. Now to make this a little bit easier on you, if I can just get you to scroll down to page number 33 for me, I'll go through the recommendations, but sometimes looking at this table is a little bit easier for you. Okay? Beautiful. 33. So the heading there is the fee comparison table. Beautiful. So with the recommendations that at the moment, you are in the Australian Retirement Trust with your current balance as the date we got the research. You are paying the administration fees, investment fees. You've got no adviser fees coming out at the moment, and your contributions going in there, and your insurance premiums are also coming out. In the portfolio you have in at the moment, you are more of a balanced growth environment. So you are taking on a little bit more risk in that environment than what you were more comfortable with when we did the risk profile questionnaire. So as the starting recommendation, I am recommending that we do move you out of Australian retirement trust and into Hub twenty four. Now have you ever heard of Hub twenty four before? No. That's okay. Hub twenty four is a retail rep platform, essentially. What it does, it's a retail super fund. It essentially allows advisers to open up these sorts of investments and gives us access to generally a lot of different investment options within hub within ART. Sorry. You generally have about 30 different investment options to choose from. But within hub twenty four, we actually get access to a bit over 1,148 or different investment options. That's everything from managed funds, exchange trader funds, to individual shares in companies, both here in Australia, but also in overseas, exchanges as well. So we get access to a lot more different investment options there. I am recommending that we move you fully out of the ART funded into hub twenty four, which is managed by us. We are also recommending that we set up a transition time and strategy for you as well, which means that you have a separate super and it's what's called a TTR pension account. Your contributions will continue to go into the accumulation of the super account and will increase those contributions up to maximize the cap, and then we'll be able to replenish your income by drawing some of that out of the pension account there. With the rest yeah. One of the big things to look at is obviously the cost factor there. So when you look at the administration fees and investment fees, Hub twenty four as a platform by moving you out of ART into Hub twenty four and having both those accounts there, you'll see the first side of that is 85,000. The second is $152.04 $0.06. So we'll leave 85,000 in the accumulation of super account, which is where your contributions will continue to go into, and we'll move 152,406 into the pension account. And that's where we'll draw a little bit of income to replenish what we're putting into super. Okay? By opening both of these two accounts, when you look at the administration fee, I do realize it is a little bit more. So it is about $442 more per year for having the two accounts within Hub twenty four. But with the portfolio that we're recommending, and I'll go through that in a bit more detail above for you, by having these two accounts, you're actually saving for the first year about a thousand and $36 on investment fees. So, overall, when we weigh up the option, the administration fees, the investment fees for the different accounts, both ART and hub twenty four, by following this strategy, you're actually gonna save overall, which is really important. So having lower fees does mean that you're gonna have more money remain invested for you. Okay? Yep. Beautiful. When I sort of look at the difference there, it actually saves you about $594 overall. So it works that you have a lot more money invested there, which is really important. Okay? Beautiful. Now we do obviously have the adviser fees there. So one of the things we did we did let you know about was that by coming on board, everything we do up into the point you decide to sign the advice and come on board is completely complimentary. Once we do come on board and we go through the the process of implementing the advice, we do charge an implementation fee. It is 3.3% and capped at a $150,000. So at the very top, you'd see the difference, you would see that implementation fee. Now how this implementation works for the first part of the recommendations is that we start by rolling you out of ART into hub 24 and moving everything into just a super account first. Once the funds hit the account, everything stays in cash for a quick minute, and we deduct that 4,950 as the implementation fee, and then we have the funds invested for you so that it's all making that money back nice and quickly. Okay? Once we've done that, then we open up the pension account, and we roll that $1.52 into the pension account. We then start the drawdowns, and then we let you know when the first drawdown is, and we get you to start increasing your contributions. And I'll go through that in a bit more detail shortly for you at the moment. Do you have any questions so far? No? Beautiful. It's also important I do make you aware you do have the ongoing service fee as well. So for us to look after everything and continue to look after it moving forward, we do charge a regular ongoing service fee percentage. It is normally 1.65%. However, I did ask Connor. I did go into that for you, and they've actually reduced the fee itself to 1.1 ongoing. So that's essentially it's 1.1 as a yearly percentage charge. However, we deduct the fee on on an ongoing basis, on a monthly basis out of your super funds, so you pay a smaller amount regularly. The idea of having a percentage based ongoing service fee is that it fluctuates with the market. So when the market is doing really well, the fee we're gonna receive is gonna be a little bit higher as well. However, when the market takes a little bit of a dip, our fee is gonna take a bit of a dip there with it. So it is linked to the performance of your super as well. Does that make sense? Yeah. Beautiful. You'll see on the column there with the adviser fee that we would expect for the first year, that it'd be it's pro rata between the two accounts, so that'd be 2,000 628 for the first year. Okay. Beautiful. Lovely. You'll also see underneath that we've got contributions per year, which are increased from where they are at the moment. It's part of the TTR strategy, and I'll take you through that shortly, and also the pension withdrawal, which is also gonna come out of the pension account to help supplement your income. Okay. Beautiful. With the recommendations there, you'll see on the very bottom of that table there that we have recommended a balanced portfolio. So this is actually taking a little bit of risk risk in the market. So at the table on the page before this one, if you just scroll up slightly, you've got a little table that shows essentially where your growth and defensive assets are now versus what we're recommending for you. So in the balanced growth environment you are within ART at the moment, you've got currently 65% growth investments and about 35% defensive investments. With the proposed, we're actually going to reduce that so you'll have about 60% in growth investments, things like Australian shares, international shares, listed property, and commodities, and then we'll increase the defective to about 40% there. So we're essentially lowering those higher risk investments and increasing the defensive investments, which lowers your overall risk in the portfolio. Okay? The portfolio. Okay? But, also, making sure it's performing quite well. And on that table you were just looking at below there, when you look at how the different portfolios have been performing, our balanced portfolio, which is lowering the overall risk, has actually shown greater performance over the past five years than where you are currently with ART. Okay? Yeah. Beautiful. Do you have any questions at the moment? No? Absolutely. No. Perfect. So that's essentially the beginning of the recommendations that we are. Just recommend you that you do roll out of ART and into Hub 24 for you to make it a bit easier. Okay? If you scroll back up for me, just to page number 22. Now this is the second part of the recommendation, and this is that transition retirement strategy. I've sort of got it here a little bit clearer for you so you can see essentially the numbers that we're looking at and how it works. You'll probably wanna take some time after the call to go back and review everything without me talking in your ear, and that's absolutely fine. I'll also send you an email after the call so you've got my direct email there, and then you're welcome to email me or call me with any questions that you have as well. Okay? Beautiful. Now the second part of this recommendation is once we move you into how '20 four into the accumulation side of things, we wanna recommend that you increase your contributions into super when we had a really good look. Now your income does fluctuate a little bit because, you know, you've got that I think it's working from home allowance or something attached there, but your that's it. Yep. Yeah. Yeah. Yep. Perfect. So we actually when we had a look and and thank you so much for sending through your pay slips because that was really helpful to foresee that because your contributions do fluctuate depending on what your pay is. So we've actually made it to have a look at where we expect you to be. So we've used your your highest income estimate and sort of used that as an average for the year to show what we expect you to basically be earning for the year, making sure we're not exceeding the contributions cap. So what we are recommending is once we've got that super set up in accumulation, we then increase your contributions up to that 550 on a fortnightly basis there. That's increasing you up to essentially the cap, but that also changes your take home pay. So your take home pay becomes less. So because of where you are in your stage of life, we're able to sort of help you to replenish your income, and we can move that $152,004.00 6 into an account based transit retirement pension account and be able to draw out between four to 10% on a yearly basis. We've left a bit of a buffer, so we're not fully drawing out the 10%. It gives us a bit of leeway in case we need to make changes to it. But, essentially, in order to because contributions are normally taxed oh, sorry. Because contributions are taxed at 15% inside super, the money going into super is taxed at more of a conservative tax rate, I apologize, which means you have more money invested in your super growing and providing more of a benefit for you. With the funds that we are putting into super, before it goes into super, at the moment, it's currently being taxed at your marginal tax rate. So we can increase the amount we're putting into super and draw a lesser amount out to replenish your income. Okay? It's a little bit yes. So we will actually, the way I like to implement this is we'll start by setting up the the super account. We'll open the pension account, and we'll let you know when the first pension drawdown is expected. I like you to get the first pension drawdown out of super before you increase your contributions in. Otherwise, there could be a wake your where your take home pay is negatively affected. So I like to make sure we're replenishing your income first, then we increase your contributions in. That way, you're not, you know, left behind with expenditure and things like that. Does that make sense? Yeah. Beautiful. If you scroll down to, essentially, I believe, the next page, it might be the second page along. It's page number 24. This essentially shows you the numbers of what we're looking at. Okay? Beautiful. So we're looking at your current contributions at the top there, and, essentially, this is how it'll work the pension analysis. So we start off with a source of funds of $2.42 $3.05 6 and 11¢. We'll roll a $152,004.00 6 into the pension phase account, and we'll leave about 85,000 behind in the accumulation phase. And then we've also got the drawdown, the TTR pension income amount. The table underneath that shows your current position versus what we're recommended, so you can essentially see the difference and how we keep your take home paying net about the same amount there. So we've worked out your salary based on what you've been earning and averaged it out to see what we're expecting you would get. And then we've also looked at your current contributions to salary sacrifice because you're currently making some salary sacrifice contributions in there. So we essentially increase that so that over the course of the twelve months, you put in an extra 14,300 total, and that reduces your take home or your taxable income. So at the moment, it's reduced to about a 103,000, whereas after this increase in the contributions, reduces it back to 94,000. You've got your amount of tax. Obviously, the tax at the moment is higher than what you would have by increasing your contributions in the super, and then you've got your net take home pay. So at the moment, your salary minus the contributions going in minus the tax leaves you with about 79,342. Because with with the increase in the contributions in, it actually reduces your net income back to about 73,154. So we wanna replenish that back to that $79,003.04 2. So in order to do that, we only have to draw out $6,188 on a yearly basis. That's about $238 on a fortnightly basis. And then that brings your net take home pay back to that $79,003.42. So it's essentially starting with your income now, looking at what you're putting in now, increasing the contributions up to the cap, we're maximizing what we're putting in the super. And then because of the way tax works, we don't have to draw as much out to replenish your income, and it keeps your take home pay about the same there. Does that make sense? Yep. Beautiful. It's kinda cool the way it works. I'll let you sorta have a bit more of a look at that later. I know it can be a little bit fun with me talking in your ear. It takes a bit to go back and just sorta have a look at that, but let me know again if you do have any questions there. Is there any questions coming to mind at the moment at all? Nope. It is. Absolutely. Yeah. Absolutely. As I sort of mentioned before, we do have the strategy written out above for you, and you'll be able to go through those individually. We put these tables in here to kinda give you a guide and show you the numbers and how it all kind of works so it's a bit of a visual. But above, you'll also see as you're going through the strategies and reading through the document, we've got the advantages, the disadvantages, and the risks involved. We've also got alternatives that we've considered there as well, and we also have a best interest duty statement. So one of the things is making sure that the recommendations are there to meet your goals. Essentially, I can say that these recommendations are in your best interest because Hub twenty four, when we look at the changeover, is actually saving you in fees from where you are at the moment. You're wanting to sort of look at retiring in your late sixties. We talked about age 67 when you're able to also access the age pension there as well. So moving into more of a balanced portfolio with invest interest because we're reducing the risk level you're taking. There is a lot of volatility out there in the market at the moment, so reducing your risk level now is really good and important for helping to do that. The recommendations of making putting more into super to have it invested is in your best interest because we're putting more in there, keeping it invested and compounding now as opposed to doing it down the track has a greater advantage for you. And being able to draw a little bit out and utilize this TTR strategy means that we're able to keep your take home pay relatively the same as well. And that's really important because you've got a lot of expenditure. Life is expensive. We all know that. At the moment, we're probably spending more on fuel than we are on groceries. So that's it. So life is extremely expensive out there, so we don't wanna negatively impact your income very much. You've also got your investment property, which you're is negatively geared and you're putting money towards as well. So it's really important that those are the factors that are taken into consideration. Okay. Beautiful. So that's essentially the recommendations with the super there. We're gonna move you out of ART, move you into hub 24. We start off in accumulation. We have the funds invested for you. I've explained the fees, and you're welcome to come back and ask any additional questions. With the upfront implementation fee, that's a one off only fee. We don't charge that per advice documents. You pay it for once when you're onboarding, and then we never charge that again. The ongoing service fee allows us to continue providing advice by looking and monitoring your super fund, the investments, making alterations, and updating advice moving forward as well, and that's all included in the in that ongoing service fee. Okay? Beautiful. Once we have that super fund open, the funds are nicely invested for you, then we open up the TTR pension account. We'll roll the one fifty two four zero six into the pension account. We'll let you know when the first drawdown is expected to happen. And then once that first drawdown has been made, then we'll get you to increase your contributions up into super. That way, you've got the first it's really important. I like to do it this way because if you just increase your contributions into super, you take home pay and your expenditure is reduced pretty significantly. So I like to make sure you get your first payment into your account first. It fixes up your you know, it it basically gives you a little bit of income first, then we increase your contributions back, and it has more of a a lesser effect on your expenditure to make it easier on you. Okay? Beautiful. The to show you essentially what the portfolio looks like, if you can have a look at page number 30 for me, this is the recommended portfolio. The page after is essentially the pension account. They're exactly the same across both of them. We just like to note down as how how much should be invested between the two different accounts so you can sort of see what to expect there. Okay. With the portfolio being a more of a balanced portfolio, you'll see at the top there, you've got your balance pool within ART. We're essentially rolling all of that out and investing the funds as per the lows. So this investment portfolio would save some funds in the cybersecurity area. We also have some European exposure there, some S and P 500, which is the top 500 companies in The US. And there's a lot of volatility in the market at the moment. There has been a bit of concern around those sorts of areas. But long term, those investment areas and countries still have great long term growth, so we can definitely still see us investing in those areas. Okay? We have the Rafi a 200, which is the QoS one there, and that's giving you exposure to mid and low cap come sorry. Mid and small cap companies on the AFX are giving you some Australian exposure, which is really important to have as well. And we also have the BetaShares a 200, which is giving you exposure to the top 200 companies on the ASX. So one of the things I do like to point out with the a 200 and the S and P 500, whilst we understand that companies don't always fit that measure and that we do see a bit of volatility here, one of the things I like about those two investments particularly is that you are always invested in the top 500 with the S and P 500 or with the beta shares one of the top 200 companies in Australia. Both of those investments follow or track an index, and they're all passively managed. So one of the good things is that the index meets every sort of quarter, and if companies don't meet the criteria to be in the top 500 or the top 200, then they are removed from that index, which means they're then removed from these investments, and other investments are moved or companies are moved in to replace them. So you are always invested in the top 500 companies in The US or the top 200 companies in the Australian index. So Yeah. It's really good. It means that, essentially, when companies don't fit the criteria, they are removed. So you're not sitting in companies that are going down or going bust or anything like that. Okay? Beautiful. We also have some physical gold. So growth is gold is a growth investment. However, it does tend to act defensively. I know over the last year, gold has gone up a huge amount. It's been over 30% increase, which is great. We all love a bit of gold, and I definitely do, to have where as well as invest in. Gold essentially has seen great growth. We love it as a growth investment, but at times when markets are a bit volatile where shares aren't doing so well particularly, people like to move money into gold and use it as a bit of a safe haven. So it does act defensively, and we utilize it in your portfolio as an alternative for growth, also defensive in nature as well. So we kinda use it both ways in the portfolio, which is really cool. Okay. Yeah. Having some global infrastructure, again, is really quite important. So infrastructure is, like, things like property. Having that globally means you're diversifying your portfolio because different countries react different ways when it comes to infrastructure and properties and things like that. Australia and The US tend to move in or follow suit. However, other countries like Japan tend to not follow the same way. So diversifying your portfolio and having global exposure as well as The US and Australia is good for helping to lower your overall risk of the portfolio. Okay? And then because sorry. This is also lowering the risk. We wanna have some defensible lower risk investment options, things like cash, bonds, and fixed interest. And those are the last three ones here. So core composite bonds, high interest cash, and then also a yield. So high yield or high income producing investments and things like that. And these three are seen as very much defensive investments. They are expected to get a lower rate of return, but defensive investments like cash bonds and fixed interest, when equities generally don't do so well, these sorts of investments tend to do do perform better. People tend to move money out of the market or out of high risk investments when markets are a little bit volatile and tend to put things in your safe haven areas like cash, bonds, fixed interest, and a bit of gold as well. So having these sorts of things helps to lower the overall risk of of your portfolio and helps to smooth out long term market fluctuations as well. Okay? Beautiful. Underneath that, you'll see the cash account there now where every super fund does have to hold a certain amount of minimal cash, and this one has to hold have 24 has to hold 1.25%. So it'd be about $1,062 within the super fund there. In the pension account, it'd be about 1,905, and that's so they don't have to be buying and selling investments all the time in order to pay things like administration fees, investment fees, and adviser fees, and things like that. So they have to hold a small amount of cash percentage for you. Okay? Beautiful. I try to keep that fairly brief of making sure I give you enough information. But do you have any questions about that area, about the investments particularly, or anything we've gone through so far? Is that okay at the moment? Yep. Beautiful. If there is any questions that you have in relation to that, come back and let me know. There might be something that pops up down the track there. Okay? Beautiful. Now to show you this sort of long term effect, I sort of mentioned before, we do limited scope in the retirement and the Centrelink aspect. So if you scroll down to page number 35 for me, this is just looking at the essentially, where we see the projected outcome to be. So by following the advice and looking at the projected outcome there, we've not included the investment property. This is sort of being left out of this area for the time being until we work out down the track what you're wanting to do more with regard to that. But, essentially, by taking on the recommendations, we'll get the long term effect here. We can sort of show that. And having a look at everything, you should be eligible for some age pension as well, which will be really good in helping you to, you know, make sure your super is working harder for you. But, essentially, long term effect is when we get to the age of seven, we should be able to start to draw down the income out of super and also supplement that with a bit of age pension for you. It actually shows you that the estimated amount you should be able to draw down or live on on a yearly basis is just over $1,000 on a weekly basis. So it's about 53,308 projected target. And that's essentially giving you longevity out of super, but also out of the age pension aspect for you. So looking at utilizing everything we possibly can, it does show that you're able to get a really good income estimate based on the recommendations. Okay? It's so I have no idea what's going on there at the moment. It just it all flips and changes continuously, isn't it? Yeah. Yep. I understand. Yeah. We'll we'll go with it and see what happens. All good. That's essentially running through the majority of the recommendations there. The other one I did wanna go to is canceling your life and TBD. So by rolling the funds into hub 24, you will notice on that fee table above there that we didn't have anything for the insurance premium. So as we kinda discussed, you've got a very small amount of life and TPD in your ART fund there at the moment, and you weren't sort of worried about it. We talked about what you have, your level of cover you sort of need, and what happens in the event of passing away. So that level of cover does decrease as you get closer to a age where ART will just cancel the policy. Because the only debt you have is the investment property. I mean, if anything was to happen, the investment property could be sold. The loan could be paid out. You've also got your super and your main primary residence there. So last time we spoke about it, you were happy to cancel that policy. So I am recommending we do cancel the cover. It is a very small amount of cover, and we put utilize the insurance premiums that you were paying for that. Keep it invested in your super and make sure we're we're making your super work a bit harder for you for your long term estate planning aspect. Okay? All good. The next thing to talk about is the the estate planning aspect side of things. So on page number 36, I've basically may also made a recommendation there in regard to your beneficiaries. So by moving you out of this AARP fund and into HUB 24, we do have to make sure that beneficiaries are nominated to both the super and the trans and retirement pension account. So I'm recommending that we do a binding, non lapsing beneficiary, which means it binds the trustee to follow your direction, And non lapsing means that you'd only have to fill out one form. It stays on the account until you change or revoke that nomination, which is great. You don't have to keep filling it out every couple of years. And we review that with you each year as we're doing reviews so we can help you to determine when something needs to change or when that nomination needs to be updated. Okay? One of the things we discussed was making sure that in the event that something was to happen to you that through estate planning, you wanted everything to be paid out to your three sons Because they're non tax dependent, by having them nominated directly to your super means they can pay a bit of higher tax component. So we are recommending it go to your legal personal representative. This essentially means that we take the LPR on the beneficiary nomination. And in the event that you would have passed away prematurely, a claim is made against your super and your pension account, and it is all just transferred to your estate. And then we just need to make sure that you have a will updated to reflect that to make sure that everything in your will is directed to your three sons in whatever capacity you prefer, whether it be equally or whether you wanted certain things to go to certain children to make sure it was all, you know, distributed as per your wishes. But having it done this way can be a much more tax effective way of doing it. It can mean that your beneficiaries pay a little bit less tax on the benefit, which can also mean that the distribution can be a lot more fair for them as well. Okay? Beautiful. So that's the recommendation with the beneficiary nominations. We do it as a binding non lapsing nomination. It stays on there. It still holds the trustee accountable, and LPR just means it goes to your estate. And then within your will, you can have it set up that it gets done equally, or you can have trust set up. You can you have a lot more control around how you have the benefit paid out to this to your threesomes there. Okay. Perfect. I have also made a recommendation in here that we do make sure that your will is appropriate and that you do have it reviewed by a solicitor to make sure that it is fitting to your wishes and that it do get updated so often. I think a lot of people say to me that they have it set in place and it doesn't need to be updated, but your lot definitely changes, and your assets do change. And sometimes what we wanna give to our kids or how we want things to be directed to our kids can also change. So it is really important to have a solicitor review the will and probably even, you know, type up a new one for you just to make sure it is reflective of your wishes correctly and accurately. And part of the estate planning that's really important as well is the power of attorney aspect. So one of the things we do see quite a lot here is where someone's had an accident or might be in hospital, might even just be overseas and they can't sort of talk to us. And having a power of attorney allows you to nominate someone that you feel is trustworthy enough to make financial and or medical decisions on your behalf, if in the event that you're unable to make those decisions there. So making sure as listed, it draws up a power of attorney as well as having a will is really important. And if you need to, we can always just say you through to one of our local solicitors. I can even just email you the details and the costing of the solicitors that we refer clients through to just to kinda have that conversation and give you some information to review there as well. Okay. Yep. Perfect. That's essentially running through all the recommendations there. I know it's a lot, and I'm just so sorry. It's a lot to take in. You're welcome, as I said, to go back, have a really good read of everything. I'll send you an email contact, and you can always come back and ask me any questions. There's no such thing as a silly question. If it's on your mind and you want an answer to it, you send me an email, and I'll make sure I reply to that one for you. Okay? Yeah. Beautiful. Down on the remuneration section on page number 48, you'll see the remuneration side of things. As I mentioned, that on the sorry. Ongoing service fee is being reduced to 1.1 for you. That stays that way. And then we've also got the the 3.3, which is the upfront implementation fee. It's only ever done on the first advice document, and we don't charge that ever again to any other advice that we provide. Okay. Beautiful. Is there any questions that you might have at the moment at all or anything that's popped up recently? No? That's okay. I've also got on page 50 just a bit of an outline there for you on how the implementation works. So we start by rolling opening up your hub twenty four, rolling the funds out of ARC. That cancels the insurances all at once there for you. Once that's opened and and the funds are invested, then we'll open your TTR pension account. The one of the best things about opening up with Hub twenty four is our in space you transfer the investments across, so it's nice and easy to open up the pension account for you. We'll get the first drawdown figure set up and let you know when that's expected. Our team can then give you the salary sacrifice letter to pass to your employer to increase your contributions there. And then after we've got that sort of working for you, we'll get your beneficiary nominations set up. Our team can help to pre fill those to make it easier for you. And then if you need to speak to a solicitor, we can always provide the referral and all the information there. And then we'll do regular reviews and catch ups. We do a full review every twelve months, but we can do catch ups with you as often as you like to make sure that we're reviewing everything and keeping you in the loop and updating the advice as it needs to be updated and changed. Okay. Yeah. Beautiful. I will that's basically everything I need to go through with you. I will let you go back and have a really good read because I know it's sometimes a lot to have someone taking you through the document looking at certain pages, and there's a lot of information and numbers and things in there. I'll let you go back and have a really good read there. If there's any questions you have, let me know, and I'm more than happy to help you out. Just to let you know, Vivian, I am on leave next week, so I'm here until Wednesday. But I will have my emails on me, and I do check them throughout every so often. So email me at any time, and I'll get back to you before Wednesday if I see the email before if it comes in before then. But if it's next week, I'll jump on and try to get back to you as quickly as I possibly can. Okay. Yeah. Oh, thank you. Looking forward to seeing my husband's family and having a bit of time with my son next week. But I'll be back I'll be back from the thirteenth there as well. So I do take my laptop with me, and I'm a little bit of a workaholic. So I will reply to those emails over course of the week as I do see them if there's anything you need. Okay. That's okay. Thank you so much for your time today. I know it's a lot. Take some time to have her read through the document again. Just let me know if there's anything you need, and I'll make sure the girls do touch base. Maddie and Jordan will call just to sort of follow-up over the next few days as well. Okay? Beautiful. If you're really into the reading aspect of it, attached to the email there, I've also got the product disclosure statements for hub twenty four. We've also got for you the appendix which shows you any additional research we've completed with regards to the recommendations. We've also got our financial services guides attached there for you, and I've also attached the copy of the SOA there. On the email underneath this document, we also do attach the initial implementation document. So if you are happy to take the recommendations and come on board, I'm looking so much forward to helping you out and getting you know, working towards your goals there. We do have the application for Hub 24, which has all the information prefilled. We also do a lost super search for you. So we you to sign one of those. We send that out to the ATO and get them to to go back into the ATO and see if there's any lost super or any money from, you know, back when that they may have held or found. We also do have a tax file opt in form, so it's really important when we open Super that we do have your tax file number on file. So that form is attached then. It explains how and why we have your tax file number. Everything is held under privacy and security, so it is a lot of privacy record requirements that we undertake. Moving forward, when you come on board, we'll essentially do security with you when you call us or we call you. We'll ask if you wanna have a password on file or if you're just comfortable using a three point security check. So it's about having extra security in place to make sure that we're not giving any information to anyone, and we're very security conscious here as a business. Okay? Beautiful. So feel free to run your eyes over all those documents there. If you have any questions, let me know. And, yeah, PDFs are attached if you're interested and wanna run your eyes to the product disclosure statements as well. No. That's absolutely okay, Vivian. Thank you so much for your time today. I really appreciate you taking the call, and I hope you have a good day and a great week. Thanks. Talk to you soon. My pleasure. See you later. 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Vivian. It's Dana from Oakview Financial. How are you this morning? Yeah. No.\n\nThat's absolutely fine. It's not a problem at all. I did is now still a good time to go negotiate the statement of advice, or is there a better time that you wanted me to call back? Or Sounds good. Yeah.\n\nAbsolutely. Not a problem at all. What I normally do is I send through the document to you just by email there. Do you have access to your emails at the moment? Yep.\n\nBeautiful. Lovely. I'm just gonna send it through so you can have a look at the document as we are going through. It just makes it a little bit easier there. I do also just have to let you know we do record our calls for quality and training purposes moving forward.\n\nAre you comfortable with that? Lovely. Thank you so much. How was your weekend? Yeah.\n\nThat's good. That's ex it was busy, but it was good. Yeah. Beautiful. Now I've just sent that one through to you, Vivian.\n\nHopefully, it pops through fairly quickly for you. Yes. That's the one I have here. Yeah. Hannah.verve@icloud.com.\n\nBeautiful. Lovely. So when you open up that one, now I have attached the statement of advice as an attachment. But when you open the email, it does have a button that says to sign. It's not gonna ask you to sign anything.\n\nIt's just you press that button, so it allows you to continue forward so you can review the document. And then you should be able to scroll up and down through the pages to make it easier. Is that all working for you? Fantastic. Now on the first page there, you should see it says OP Financial and the statement of advice as prepared for yourself as of the 03/25/2026 there.\n\nIt has been prepared by myself, Dana Taylor. I'm an authorized representative under Oakview Financial. My registration number is 1304394. Okay? As you scroll through the next pages there, you'll see we've got the best interest duty.\n\nIt's just letting you know that any advice we do provide is provided under the best interest duty, which is part of the corporation's ask. It's about making sure that we understand your goals, your financial and personal situation to make sure that the recommendations provided are there to put you in a best in a best possible position to meet your goals and objectives and to make sure they are in your best interest moving forward. Okay? Beautiful. The next page is the table of contents.\n\nAnd moving on beyond that, you'll see we've got some areas that we have scoped in for advice. So it could be considered areas. We're looking at superannuation working towards your goals. They're looking at the trends, their time, and strategies for you to see if we can increase contributions in, help maybe reduce a little bit of income tax, but also makes your income stays relatively the same. We looked at the personal insurance aspect, so you have some life and TV data.\n\nYou were happy not to sort of have those any further, so we've looked at, you know, what that can do for your super as well. And then we've also got the estate planning considerations. So one of the big things is making sure that beneficiary nominations are set up correctly, that it refers to your wishes, and also making sure your wills and power of attorneys are also reflective of that as well. Okay. Beautiful.\n\nThe next page is the limited scope basis. So because you are a little bit away from retirement, essentially, we're looking at what this is doing for you now and, yeah, the effect of this. We look at whether it comes to retirement planning and the Social Security in this document. It's more to showing you the long term effect of the recommendations and how this can help you in those retirement years. So we don't make a recommendation as yet on how to draw down the income once you hit that retirement age or what sort of Social Security benefit you're expecting as a dollar figure, but it's sort of showing you a bit of a graph and a table on where we see everything sitting with regards to these recommendations.\n\nNow when you get so to try and use, you know, exactly what you wanna draw down, exactly, you know, when you're gonna retire, the date you've got there, we can then in the in-depth, sorry, make another recommendation around this sort of area. It's just that with Social Security, it changes a couple of times a year, so we're a bit far out to really assess that at the moment. And with retirement, we will always make sure we're updating that down the track for you when you get closer to it. Okay? Perfect.\n\nOn page number seven, we have the areas that we've not considered there. So you've got your investment property at the moment. We're not making a recommendation around that currently. However, we can help you with additional advice down the track if you would like to. Okay?\n\nWe've also got no additional personal insurances. So we have fact in just the cancellation of your life and TPD. However, you didn't have any income protection or any trauma or any other type of personal cover. So we've scoped out getting any additional cover for you. Okay?\n\nPerfect. The next page is essentially the limited advice warning. So this is letting you know that we do scope in in our areas that we are looking at with regards to the advice. Any areas that we have scoped out or any areas that you have we've not received advice on, you're welcome to come back at a later time, have a conversation with me, and we can always provide advice on those additional areas for you. It's important to note this is just a starting point as well.\n\nSo the advice they provide now is not a set and forget. It's about reviewing the advice, making sure it's working for you, and keeping to, you know, alter it as your goals change, as your life changes. One of the things you may have mentioned was that, you know, you might look at getting out of this current work and moving into more of a a care sort of role. So when that time changes, there could be some, you know, bigger effects on your retirement goals and things like that. So we wanna keep evolving the advice as your life as your goals change.\n\nOkay? Perfect. This also lets you know that we're not solicitors. So when it comes to the drafting of wills and power of attorneys, we can refer you through to a solicitor if you did require the services of one. But our financial advisers, they're not solicitous, so we can't technically draft a bill for you.\n\nWe also when it comes to insurances, do look at personal covers, so things like life, TPD, and income protection. Other types of general insurance products like house, motor liability, and business cover, we don't provide advice on, but we can always refer you to a general insurance broker if you would require those services. And under the Better Advice Act 2021, as a financial adviser, I'm able to provide tax financial advice. So it's basically looking at, you know, anything you've got coming up, CGT or tax to tax related areas and providing advice around those, whether it be to minimize, to utilize, or, you know, maximize depending on your situation. But we're not accountants, so we don't do your tax return for you.\n\nAnd if you did require the services of a tax accountant, we can absolutely refer you through to one as well. Okay? Perfect. Beautiful. The next page is the about you section.\n\nIs there any kind of information on that page that you might need to have to update? If that's everything that we had collected originally, just wanna make sure that there's no major changes since we last caught up. Perfect. Oh, me too. Tell you what, if I win, I'll share.\n\nIf I win, I'll make sure I call you and share. Absolutely. And the next page is your assets and liabilities there as well. So this is the information that we had based on your current asset and liabilities noted. I know there can be some changes around the the loans and the values there, but is there anything that you would like to have updated, or is everything still fairly accurate?\n\nBeautiful. And underneath that, we also have your current superannuation and your car insurance as noted as well. Okay. Perfect. Lovely.\n\nI'm I'm gonna skip through a few pages to kinda go through the recommendations. But once we've gone through everything after the call, you'll be able to go back and have a really good read of the document, look at the the recommendations in detail, the advantages, disadvantages, risks, and alternatives considered, and you're welcome to come back with me with any questions. Okay? Beautiful. That's okay.\n\nNow to make this a little bit easier on you, if I can just get you to scroll down to page number 33 for me, I'll go through the recommendations, but sometimes looking at this table is a little bit easier for you. Okay? Beautiful. 33. So the heading there is the fee comparison table.\n\nBeautiful. So with the recommendations that at the moment, you are in the Australian Retirement Trust with your current balance as the date we got the research. You are paying the administration fees, investment fees. You've got no adviser fees coming out at the moment, and your contributions going in there, and your insurance premiums are also coming out. In the portfolio you have in at the moment, you are more of a balanced growth environment.\n\nSo you are taking on a little bit more risk in that environment than what you were more comfortable with when we did the risk profile questionnaire. So as the starting recommendation, I am recommending that we do move you out of Australian retirement trust and into Hub twenty four. Now have you ever heard of Hub twenty four before? No. That's okay.\n\nHub twenty four is a retail rep platform, essentially. What it does, it's a retail super fund. It essentially allows advisers to open up these sorts of investments and gives us access to generally a lot of different investment options within hub within ART. Sorry. You generally have about 30 different investment options to choose from.\n\nBut within hub twenty four, we actually get access to a bit over 1,148 or different investment options. That's everything from managed funds, exchange trader funds, to individual shares in companies, both here in Australia, but also in overseas, exchanges as well. So we get access to a lot more different investment options there. I am recommending that we move you fully out of the ART funded into hub twenty four, which is managed by us. We are also recommending that we set up a transition time and strategy for you as well, which means that you have a separate super and it's what's called a TTR pension account.\n\nYour contributions will continue to go into the accumulation of the super account and will increase those contributions up to maximize the cap, and then we'll be able to replenish your income by drawing some of that out of the pension account there. With the rest yeah. One of the big things to look at is obviously the cost factor there. So when you look at the administration fees and investment fees, Hub twenty four as a platform by moving you out of ART into Hub twenty four and having both those accounts there, you'll see the first side of that is 85,000. The second is $152.04 $0.06.\n\nSo we'll leave 85,000 in the accumulation of super account, which is where your contributions will continue to go into, and we'll move 152,406 into the pension account. And that's where we'll draw a little bit of income to replenish what we're putting into super. Okay? By opening both of these two accounts, when you look at the administration fee, I do realize it is a little bit more. So it is about $442 more per year for having the two accounts within Hub twenty four.\n\nBut with the portfolio that we're recommending, and I'll go through that in a bit more detail above for you, by having these two accounts, you're actually saving for the first year about a thousand and $36 on investment fees. So, overall, when we weigh up the option, the administration fees, the investment fees for the different accounts, both ART and hub twenty four, by following this strategy, you're actually gonna save overall, which is really important. So having lower fees does mean that you're gonna have more money remain invested for you. Okay? Yep.\n\nBeautiful. When I sort of look at the difference there, it actually saves you about $594 overall. So it works that you have a lot more money invested there, which is really important. Okay? Beautiful.\n\nNow we do obviously have the adviser fees there. So one of the things we did we did let you know about was that by coming on board, everything we do up into the point you decide to sign the advice and come on board is completely complimentary. Once we do come on board and we go through the the process of implementing the advice, we do charge an implementation fee. It is 3.3% and capped at a $150,000. So at the very top, you'd see the difference, you would see that implementation fee.\n\nNow how this implementation works for the first part of the recommendations is that we start by rolling you out of ART into hub 24 and moving everything into just a super account first. Once the funds hit the account, everything stays in cash for a quick minute, and we deduct that 4,950 as the implementation fee, and then we have the funds invested for you so that it's all making that money back nice and quickly. Okay? Once we've done that, then we open up the pension account, and we roll that $1.52 into the pension account. We then start the drawdowns, and then we let you know when the first drawdown is, and we get you to start increasing your contributions.\n\nAnd I'll go through that in a bit more detail shortly for you at the moment. Do you have any questions so far? No? Beautiful. It's also important I do make you aware you do have the ongoing service fee as well.\n\nSo for us to look after everything and continue to look after it moving forward, we do charge a regular ongoing service fee percentage. It is normally 1.65%. However, I did ask Connor. I did go into that for you, and they've actually reduced the fee itself to 1.1 ongoing. So that's essentially it's 1.1 as a yearly percentage charge.\n\nHowever, we deduct the fee on on an ongoing basis, on a monthly basis out of your super funds, so you pay a smaller amount regularly. The idea of having a percentage based ongoing service fee is that it fluctuates with the market. So when the market is doing really well, the fee we're gonna receive is gonna be a little bit higher as well. However, when the market takes a little bit of a dip, our fee is gonna take a bit of a dip there with it. So it is linked to the performance of your super as well.\n\nDoes that make sense? Yeah. Beautiful. You'll see on the column there with the adviser fee that we would expect for the first year, that it'd be it's pro rata between the two accounts, so that'd be 2,000 628 for the first year. Okay.\n\nBeautiful. Lovely. You'll also see underneath that we've got contributions per year, which are increased from where they are at the moment. It's part of the TTR strategy, and I'll take you through that shortly, and also the pension withdrawal, which is also gonna come out of the pension account to help supplement your income. Okay.\n\nBeautiful. With the recommendations there, you'll see on the very bottom of that table there that we have recommended a balanced portfolio. So this is actually taking a little bit of risk risk in the market. So at the table on the page before this one, if you just scroll up slightly, you've got a little table that shows essentially where your growth and defensive assets are now versus what we're recommending for you. So in the balanced growth environment you are within ART at the moment, you've got currently 65% growth investments and about 35% defensive investments.\n\nWith the proposed, we're actually going to reduce that so you'll have about 60% in growth investments, things like Australian shares, international shares, listed property, and commodities, and then we'll increase the defective to about 40% there. So we're essentially lowering those higher risk investments and increasing the defensive investments, which lowers your overall risk in the portfolio. Okay? The portfolio. Okay?\n\nBut, also, making sure it's performing quite well. And on that table you were just looking at below there, when you look at how the different portfolios have been performing, our balanced portfolio, which is lowering the overall risk, has actually shown greater performance over the past five years than where you are currently with ART. Okay? Yeah. Beautiful.\n\nDo you have any questions at the moment? No? Absolutely. No. Perfect.\n\nSo that's essentially the beginning of the recommendations that we are. Just recommend you that you do roll out of ART and into Hub 24 for you to make it a bit easier. Okay? If you scroll back up for me, just to page number 22. Now this is the second part of the recommendation, and this is that transition retirement strategy.\n\nI've sort of got it here a little bit clearer for you so you can see essentially the numbers that we're looking at and how it works. You'll probably wanna take some time after the call to go back and review everything without me talking in your ear, and that's absolutely fine. I'll also send you an email after the call so you've got my direct email there, and then you're welcome to email me or call me with any questions that you have as well. Okay? Beautiful.\n\nNow the second part of this recommendation is once we move you into how '20 four into the accumulation side of things, we wanna recommend that you increase your contributions into super when we had a really good look. Now your income does fluctuate a little bit because, you know, you've got that I think it's working from home allowance or something attached there, but your that's it. Yep. Yeah. Yeah.\n\nYep. Perfect. So we actually when we had a look and and thank you so much for sending through your pay slips because that was really helpful to foresee that because your contributions do fluctuate depending on what your pay is. So we've actually made it to have a look at where we expect you to be. So we've used your your highest income estimate and sort of used that as an average for the year to show what we expect you to basically be earning for the year, making sure we're not exceeding the contributions cap.\n\nSo what we are recommending is once we've got that super set up in accumulation, we then increase your contributions up to that 550 on a fortnightly basis there. That's increasing you up to essentially the cap, but that also changes your take home pay. So your take home pay becomes less. So because of where you are in your stage of life, we're able to sort of help you to replenish your income, and we can move that $152,004.00 6 into an account based transit retirement pension account and be able to draw out between four to 10% on a yearly basis. We've left a bit of a buffer, so we're not fully drawing out the 10%.\n\nIt gives us a bit of leeway in case we need to make changes to it. But, essentially, in order to because contributions are normally taxed oh, sorry. Because contributions are taxed at 15% inside super, the money going into super is taxed at more of a conservative tax rate, I apologize, which means you have more money invested in your super growing and providing more of a benefit for you. With the funds that we are putting into super, before it goes into super, at the moment, it's currently being taxed at your marginal tax rate. So we can increase the amount we're putting into super and draw a lesser amount out to replenish your income.\n\nOkay? It's a little bit yes. So we will actually, the way I like to implement this is we'll start by setting up the the super account. We'll open the pension account, and we'll let you know when the first pension drawdown is expected. I like you to get the first pension drawdown out of super before you increase your contributions in.\n\nOtherwise, there could be a wake your where your take home pay is negatively affected. So I like to make sure we're replenishing your income first, then we increase your contributions in. That way, you're not, you know, left behind with expenditure and things like that. Does that make sense? Yeah.\n\nBeautiful. If you scroll down to, essentially, I believe, the next page, it might be the second page along. It's page number 24. This essentially shows you the numbers of what we're looking at. Okay?\n\nBeautiful. So we're looking at your current contributions at the top there, and, essentially, this is how it'll work the pension analysis. So we start off with a source of funds of $2.42 $3.05 6 and 11¢. We'll roll a $152,004.00 6 into the pension phase account, and we'll leave about 85,000 behind in the accumulation phase. And then we've also got the drawdown, the TTR pension income amount.\n\nThe table underneath that shows your current position versus what we're recommended, so you can essentially see the difference and how we keep your take home paying net about the same amount there. So we've worked out your salary based on what you've been earning and averaged it out to see what we're expecting you would get. And then we've also looked at your current contributions to salary sacrifice because you're currently making some salary sacrifice contributions in there. So we essentially increase that so that over the course of the twelve months, you put in an extra 14,300 total, and that reduces your take home or your taxable income. So at the moment, it's reduced to about a 103,000, whereas after this increase in the contributions, reduces it back to 94,000.\n\nYou've got your amount of tax. Obviously, the tax at the moment is higher than what you would have by increasing your contributions in the super, and then you've got your net take home pay. So at the moment, your salary minus the contributions going in minus the tax leaves you with about 79,342. Because with with the increase in the contributions in, it actually reduces your net income back to about 73,154. So we wanna replenish that back to that $79,003.04 2.\n\nSo in order to do that, we only have to draw out $6,188 on a yearly basis. That's about $238 on a fortnightly basis. And then that brings your net take home pay back to that $79,003.42. So it's essentially starting with your income now, looking at what you're putting in now, increasing the contributions up to the cap, we're maximizing what we're putting in the super. And then because of the way tax works, we don't have to draw as much out to replenish your income, and it keeps your take home pay about the same there.\n\nDoes that make sense? Yep. Beautiful. It's kinda cool the way it works. I'll let you sorta have a bit more of a look at that later.\n\nI know it can be a little bit fun with me talking in your ear. It takes a bit to go back and just sorta have a look at that, but let me know again if you do have any questions there. Is there any questions coming to mind at the moment at all? Nope. It is.\n\nAbsolutely. Yeah. Absolutely. As I sort of mentioned before, we do have the strategy written out above for you, and you'll be able to go through those individually. We put these tables in here to kinda give you a guide and show you the numbers and how it all kind of works so it's a bit of a visual.\n\nBut above, you'll also see as you're going through the strategies and reading through the document, we've got the advantages, the disadvantages, and the risks involved. We've also got alternatives that we've considered there as well, and we also have a best interest duty statement. So one of the things is making sure that the recommendations are there to meet your goals. Essentially, I can say that these recommendations are in your best interest because Hub twenty four, when we look at the changeover, is actually saving you in fees from where you are at the moment. You're wanting to sort of look at retiring in your late sixties.\n\nWe talked about age 67 when you're able to also access the age pension there as well. So moving into more of a balanced portfolio with invest interest because we're reducing the risk level you're taking. There is a lot of volatility out there in the market at the moment, so reducing your risk level now is really good and important for helping to do that. The recommendations of making putting more into super to have it invested is in your best interest because we're putting more in there, keeping it invested and compounding now as opposed to doing it down the track has a greater advantage for you. And being able to draw a little bit out and utilize this TTR strategy means that we're able to keep your take home pay relatively the same as well.\n\nAnd that's really important because you've got a lot of expenditure. Life is expensive. We all know that. At the moment, we're probably spending more on fuel than we are on groceries. So that's it.\n\nSo life is extremely expensive out there, so we don't wanna negatively impact your income very much. You've also got your investment property, which you're is negatively geared and you're putting money towards as well. So it's really important that those are the factors that are taken into consideration. Okay. Beautiful.\n\nSo that's essentially the recommendations with the super there. We're gonna move you out of ART, move you into hub 24. We start off in accumulation. We have the funds invested for you. I've explained the fees, and you're welcome to come back and ask any additional questions.\n\nWith the upfront implementation fee, that's a one off only fee. We don't charge that per advice documents. You pay it for once when you're onboarding, and then we never charge that again. The ongoing service fee allows us to continue providing advice by looking and monitoring your super fund, the investments, making alterations, and updating advice moving forward as well, and that's all included in the in that ongoing service fee. Okay?\n\nBeautiful. Once we have that super fund open, the funds are nicely invested for you, then we open up the TTR pension account. We'll roll the one fifty two four zero six into the pension account. We'll let you know when the first drawdown is expected to happen. And then once that first drawdown has been made, then we'll get you to increase your contributions up into super.\n\nThat way, you've got the first it's really important. I like to do it this way because if you just increase your contributions into super, you take home pay and your expenditure is reduced pretty significantly. So I like to make sure you get your first payment into your account first. It fixes up your you know, it it basically gives you a little bit of income first, then we increase your contributions back, and it has more of a a lesser effect on your expenditure to make it easier on you. Okay?\n\nBeautiful. The to show you essentially what the portfolio looks like, if you can have a look at page number 30 for me, this is the recommended portfolio. The page after is essentially the pension account. They're exactly the same across both of them. We just like to note down as how how much should be invested between the two different accounts so you can sort of see what to expect there.\n\nOkay. With the portfolio being a more of a balanced portfolio, you'll see at the top there, you've got your balance pool within ART. We're essentially rolling all of that out and investing the funds as per the lows. So this investment portfolio would save some funds in the cybersecurity area. We also have some European exposure there, some S and P 500, which is the top 500 companies in The US.\n\nAnd there's a lot of volatility in the market at the moment. There has been a bit of concern around those sorts of areas. But long term, those investment areas and countries still have great long term growth, so we can definitely still see us investing in those areas. Okay? We have the Rafi a 200, which is the QoS one there, and that's giving you exposure to mid and low cap come sorry.\n\nMid and small cap companies on the AFX are giving you some Australian exposure, which is really important to have as well. And we also have the BetaShares a 200, which is giving you exposure to the top 200 companies on the ASX. So one of the things I do like to point out with the a 200 and the S and P 500, whilst we understand that companies don't always fit that measure and that we do see a bit of volatility here, one of the things I like about those two investments particularly is that you are always invested in the top 500 with the S and P 500 or with the beta shares one of the top 200 companies in Australia. Both of those investments follow or track an index, and they're all passively managed. So one of the good things is that the index meets every sort of quarter, and if companies don't meet the criteria to be in the top 500 or the top 200, then they are removed from that index, which means they're then removed from these investments, and other investments are moved or companies are moved in to replace them.\n\nSo you are always invested in the top 500 companies in The US or the top 200 companies in the Australian index. So Yeah. It's really good. It means that, essentially, when companies don't fit the criteria, they are removed. So you're not sitting in companies that are going down or going bust or anything like that.\n\nOkay? Beautiful. We also have some physical gold. So growth is gold is a growth investment. However, it does tend to act defensively.\n\nI know over the last year, gold has gone up a huge amount. It's been over 30% increase, which is great. We all love a bit of gold, and I definitely do, to have where as well as invest in. Gold essentially has seen great growth. We love it as a growth investment, but at times when markets are a bit volatile where shares aren't doing so well particularly, people like to move money into gold and use it as a bit of a safe haven.\n\nSo it does act defensively, and we utilize it in your portfolio as an alternative for growth, also defensive in nature as well. So we kinda use it both ways in the portfolio, which is really cool. Okay. Yeah. Having some global infrastructure, again, is really quite important.\n\nSo infrastructure is, like, things like property. Having that globally means you're diversifying your portfolio because different countries react different ways when it comes to infrastructure and properties and things like that. Australia and The US tend to move in or follow suit. However, other countries like Japan tend to not follow the same way. So diversifying your portfolio and having global exposure as well as The US and Australia is good for helping to lower your overall risk of the portfolio.\n\nOkay? And then because sorry. This is also lowering the risk. We wanna have some defensible lower risk investment options, things like cash, bonds, and fixed interest. And those are the last three ones here.\n\nSo core composite bonds, high interest cash, and then also a yield. So high yield or high income producing investments and things like that. And these three are seen as very much defensive investments. They are expected to get a lower rate of return, but defensive investments like cash bonds and fixed interest, when equities generally don't do so well, these sorts of investments tend to do do perform better. People tend to move money out of the market or out of high risk investments when markets are a little bit volatile and tend to put things in your safe haven areas like cash, bonds, fixed interest, and a bit of gold as well.\n\nSo having these sorts of things helps to lower the overall risk of of your portfolio and helps to smooth out long term market fluctuations as well. Okay? Beautiful. Underneath that, you'll see the cash account there now where every super fund does have to hold a certain amount of minimal cash, and this one has to hold have 24 has to hold 1.25%. So it'd be about $1,062 within the super fund there.\n\nIn the pension account, it'd be about 1,905, and that's so they don't have to be buying and selling investments all the time in order to pay things like administration fees, investment fees, and adviser fees, and things like that. So they have to hold a small amount of cash percentage for you. Okay? Beautiful. I try to keep that fairly brief of making sure I give you enough information.\n\nBut do you have any questions about that area, about the investments particularly, or anything we've gone through so far? Is that okay at the moment? Yep. Beautiful. If there is any questions that you have in relation to that, come back and let me know.\n\nThere might be something that pops up down the track there. Okay? Beautiful. Now to show you this sort of long term effect, I sort of mentioned before, we do limited scope in the retirement and the Centrelink aspect. So if you scroll down to page number 35 for me, this is just looking at the essentially, where we see the projected outcome to be.\n\nSo by following the advice and looking at the projected outcome there, we've not included the investment property. This is sort of being left out of this area for the time being until we work out down the track what you're wanting to do more with regard to that. But, essentially, by taking on the recommendations, we'll get the long term effect here. We can sort of show that. And having a look at everything, you should be eligible for some age pension as well, which will be really good in helping you to, you know, make sure your super is working harder for you.\n\nBut, essentially, long term effect is when we get to the age of seven, we should be able to start to draw down the income out of super and also supplement that with a bit of age pension for you. It actually shows you that the estimated amount you should be able to draw down or live on on a yearly basis is just over $1,000 on a weekly basis. So it's about 53,308 projected target. And that's essentially giving you longevity out of super, but also out of the age pension aspect for you. So looking at utilizing everything we possibly can, it does show that you're able to get a really good income estimate based on the recommendations.\n\nOkay? It's so I have no idea what's going on there at the moment. It just it all flips and changes continuously, isn't it? Yeah. Yep.\n\nI understand. Yeah. We'll we'll go with it and see what happens. All good. That's essentially running through the majority of the recommendations there.\n\nThe other one I did wanna go to is canceling your life and TBD. So by rolling the funds into hub 24, you will notice on that fee table above there that we didn't have anything for the insurance premium. So as we kinda discussed, you've got a very small amount of life and TPD in your ART fund there at the moment, and you weren't sort of worried about it. We talked about what you have, your level of cover you sort of need, and what happens in the event of passing away. So that level of cover does decrease as you get closer to a age where ART will just cancel the policy.\n\nBecause the only debt you have is the investment property. I mean, if anything was to happen, the investment property could be sold. The loan could be paid out. You've also got your super and your main primary residence there. So last time we spoke about it, you were happy to cancel that policy.\n\nSo I am recommending we do cancel the cover. It is a very small amount of cover, and we put utilize the insurance premiums that you were paying for that. Keep it invested in your super and make sure we're we're making your super work a bit harder for you for your long term estate planning aspect. Okay? All good.\n\nThe next thing to talk about is the the estate planning aspect side of things. So on page number 36, I've basically may also made a recommendation there in regard to your beneficiaries. So by moving you out of this AARP fund and into HUB 24, we do have to make sure that beneficiaries are nominated to both the super and the trans and retirement pension account. So I'm recommending that we do a binding, non lapsing beneficiary, which means it binds the trustee to follow your direction, And non lapsing means that you'd only have to fill out one form. It stays on the account until you change or revoke that nomination, which is great.\n\nYou don't have to keep filling it out every couple of years. And we review that with you each year as we're doing reviews so we can help you to determine when something needs to change or when that nomination needs to be updated. Okay? One of the things we discussed was making sure that in the event that something was to happen to you that through estate planning, you wanted everything to be paid out to your three sons Because they're non tax dependent, by having them nominated directly to your super means they can pay a bit of higher tax component. So we are recommending it go to your legal personal representative.\n\nThis essentially means that we take the LPR on the beneficiary nomination. And in the event that you would have passed away prematurely, a claim is made against your super and your pension account, and it is all just transferred to your estate. And then we just need to make sure that you have a will updated to reflect that to make sure that everything in your will is directed to your three sons in whatever capacity you prefer, whether it be equally or whether you wanted certain things to go to certain children to make sure it was all, you know, distributed as per your wishes. But having it done this way can be a much more tax effective way of doing it. It can mean that your beneficiaries pay a little bit less tax on the benefit, which can also mean that the distribution can be a lot more fair for them as well.\n\nOkay? Beautiful. So that's the recommendation with the beneficiary nominations. We do it as a binding non lapsing nomination. It stays on there.\n\nIt still holds the trustee accountable, and LPR just means it goes to your estate. And then within your will, you can have it set up that it gets done equally, or you can have trust set up. You can you have a lot more control around how you have the benefit paid out to this to your threesomes there. Okay. Perfect.\n\nI have also made a recommendation in here that we do make sure that your will is appropriate and that you do have it reviewed by a solicitor to make sure that it is fitting to your wishes and that it do get updated so often. I think a lot of people say to me that they have it set in place and it doesn't need to be updated, but your lot definitely changes, and your assets do change. And sometimes what we wanna give to our kids or how we want things to be directed to our kids can also change. So it is really important to have a solicitor review the will and probably even, you know, type up a new one for you just to make sure it is reflective of your wishes correctly and accurately. And part of the estate planning that's really important as well is the power of attorney aspect.\n\nSo one of the things we do see quite a lot here is where someone's had an accident or might be in hospital, might even just be overseas and they can't sort of talk to us. And having a power of attorney allows you to nominate someone that you feel is trustworthy enough to make financial and or medical decisions on your behalf, if in the event that you're unable to make those decisions there. So making sure as listed, it draws up a power of attorney as well as having a will is really important. And if you need to, we can always just say you through to one of our local solicitors. I can even just email you the details and the costing of the solicitors that we refer clients through to just to kinda have that conversation and give you some information to review there as well.\n\nOkay. Yep. Perfect. That's essentially running through all the recommendations there. I know it's a lot, and I'm just so sorry.\n\nIt's a lot to take in. You're welcome, as I said, to go back, have a really good read of everything. I'll send you an email contact, and you can always come back and ask me any questions. There's no such thing as a silly question. If it's on your mind and you want an answer to it, you send me an email, and I'll make sure I reply to that one for you.\n\nOkay? Yeah. Beautiful. Down on the remuneration section on page number 48, you'll see the remuneration side of things. As I mentioned, that on the sorry.\n\nOngoing service fee is being reduced to 1.1 for you. That stays that way. And then we've also got the the 3.3, which is the upfront implementation fee. It's only ever done on the first advice document, and we don't charge that ever again to any other advice that we provide. Okay.\n\nBeautiful. Is there any questions that you might have at the moment at all or anything that's popped up recently? No? That's okay. I've also got on page 50 just a bit of an outline there for you on how the implementation works.\n\nSo we start by rolling opening up your hub twenty four, rolling the funds out of ARC. That cancels the insurances all at once there for you. Once that's opened and and the funds are invested, then we'll open your TTR pension account. The one of the best things about opening up with Hub twenty four is our in space you transfer the investments across, so it's nice and easy to open up the pension account for you. We'll get the first drawdown figure set up and let you know when that's expected.\n\nOur team can then give you the salary sacrifice letter to pass to your employer to increase your contributions there. And then after we've got that sort of working for you, we'll get your beneficiary nominations set up. Our team can help to pre fill those to make it easier for you. And then if you need to speak to a solicitor, we can always provide the referral and all the information there. And then we'll do regular reviews and catch ups.\n\nWe do a full review every twelve months, but we can do catch ups with you as often as you like to make sure that we're reviewing everything and keeping you in the loop and updating the advice as it needs to be updated and changed. Okay. Yeah. Beautiful. I will that's basically everything I need to go through with you.\n\nI will let you go back and have a really good read because I know it's sometimes a lot to have someone taking you through the document looking at certain pages, and there's a lot of information and numbers and things in there. I'll let you go back and have a really good read there. If there's any questions you have, let me know, and I'm more than happy to help you out. Just to let you know, Vivian, I am on leave next week, so I'm here until Wednesday. But I will have my emails on me, and I do check them throughout every so often.\n\nSo email me at any time, and I'll get back to you before Wednesday if I see the email before if it comes in before then. But if it's next week, I'll jump on and try to get back to you as quickly as I possibly can. Okay. Yeah. Oh, thank you.\n\nLooking forward to seeing my husband's family and having a bit of time with my son next week. But I'll be back I'll be back from the thirteenth there as well. So I do take my laptop with me, and I'm a little bit of a workaholic. So I will reply to those emails over course of the week as I do see them if there's anything you need. Okay.\n\nThat's okay. Thank you so much for your time today. I know it's a lot. Take some time to have her read through the document again. Just let me know if there's anything you need, and I'll make sure the girls do touch base.\n\nMaddie and Jordan will call just to sort of follow-up over the next few days as well. Okay? Beautiful. If you're really into the reading aspect of it, attached to the email there, I've also got the product disclosure statements for hub twenty four. We've also got for you the appendix which shows you any additional research we've completed with regards to the recommendations.\n\nWe've also got our financial services guides attached there for you, and I've also attached the copy of the SOA there. On the email underneath this document, we also do attach the initial implementation document. So if you are happy to take the recommendations and come on board, I'm looking so much forward to helping you out and getting you know, working towards your goals there. We do have the application for Hub 24, which has all the information prefilled. We also do a lost super search for you.\n\nSo we you to sign one of those. We send that out to the ATO and get them to to go back into the ATO and see if there's any lost super or any money from, you know, back when that they may have held or found. We also do have a tax file opt in form, so it's really important when we open Super that we do have your tax file number on file. So that form is attached then. It explains how and why we have your tax file number.\n\nEverything is held under privacy and security, so it is a lot of privacy record requirements that we undertake. Moving forward, when you come on board, we'll essentially do security with you when you call us or we call you. We'll ask if you wanna have a password on file or if you're just comfortable using a three point security check. So it's about having extra security in place to make sure that we're not giving any information to anyone, and we're very security conscious here as a business. Okay?\n\nBeautiful. So feel free to run your eyes over all those documents there. If you have any questions, let me know. And, yeah, PDFs are attached if you're interested and wanna run your eyes to the product disclosure statements as well. No.\n\nThat's absolutely okay, Vivian. Thank you so much for your time today. I really appreciate you taking the call, and I hope you have a good day and a great week. Thanks. Talk to you soon.\n\nMy pleasure. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Vivian.","start":4.88,"end":5.52,"sentiment":"neutral","sentiment_score":0.11147811263799667},{"text":"It's Dana from Oakview Financial.","start":5.52,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.12214161306619645},{"text":"How are you this morning?","start":7.44,"end":8.58,"sentiment":"neutral","sentiment_score":0.13115746676921844},{"text":"Yeah.","start":14.095,"end":14.595,"sentiment":"neutral","sentiment_score":-0.1034609079360962},{"text":"No.","start":15.215,"end":15.455,"sentiment":"neutral","sentiment_score":-0.0051757171750068665}],"sentiment":"neutral","sentiment_score":0.09862964281014033,"num_words":14,"start":4.88,"end":15.455},{"sentences":[{"text":"That's absolutely fine.","start":15.455,"end":16.655,"sentiment":"neutral","sentiment_score":0.26869810620943707},{"text":"It's not a problem at all.","start":16.655,"end":18.355,"sentiment":"neutral","sentiment_score":0.23530000944932303},{"text":"I did is now still a good time to go negotiate the statement of advice, or is there a better time that you wanted me to call back?","start":18.815,"end":24.814999,"sentiment":"neutral","sentiment_score":0.04662549219626401},{"text":"Or Sounds good.","start":24.814999,"end":27.259998,"sentiment":"neutral","sentiment_score":0.13346687083443007},{"text":"Yeah.","start":27.96,"end":28.46,"sentiment":"neutral","sentiment_score":0.2740752398967743}],"sentiment":"neutral","sentiment_score":0.10238741485901721,"num_words":41,"start":15.455,"end":28.46},{"sentences":[{"text":"Absolutely.","start":28.84,"end":29.34,"sentiment":"neutral","sentiment_score":0.25164514780044556},{"text":"Not a problem at all.","start":29.72,"end":31.099998,"sentiment":"neutral","sentiment_score":0.17743876576423645},{"text":"What I normally do is I send through the document to you just by email there.","start":31.16,"end":35.48,"sentiment":"neutral","sentiment_score":0.08207731321454048},{"text":"Do you have access to your emails at the moment?","start":35.48,"end":37.66,"sentiment":"neutral","sentiment_score":0.027524802647531033},{"text":"Yep.","start":39.305,"end":39.805,"sentiment":"neutral","sentiment_score":0.22920501232147217}],"sentiment":"neutral","sentiment_score":0.0895917886924563,"num_words":33,"start":28.84,"end":39.805},{"sentences":[{"text":"Beautiful.","start":39.865,"end":40.345,"sentiment":"positive","sentiment_score":0.585107147693634},{"text":"Lovely.","start":40.345,"end":40.665,"sentiment":"positive","sentiment_score":0.5855969190597534},{"text":"I'm just gonna send it through so you can have a look at the document as we are going through.","start":40.665,"end":43.865,"sentiment":"positive","sentiment_score":0.35625713765621186},{"text":"It just makes it a little bit easier there.","start":43.865,"end":45.805,"sentiment":"positive","sentiment_score":0.374608662393358},{"text":"I do also just have to let you know we do record our calls for quality and training purposes moving forward.","start":46.025,"end":50.665,"sentiment":"neutral","sentiment_score":0.15934928506612778}],"sentiment":"neutral","sentiment_score":0.2887242263039717,"num_words":52,"start":39.865,"end":50.665},{"sentences":[{"text":"Are you comfortable with that?","start":50.665,"end":52.205,"sentiment":"neutral","sentiment_score":0.12013322710990906},{"text":"Lovely.","start":54.42,"end":54.82,"sentiment":"positive","sentiment_score":0.408403605222702},{"text":"Thank you so much.","start":54.82,"end":55.859997,"sentiment":"positive","sentiment_score":0.4861838221549988},{"text":"How was your weekend?","start":55.859997,"end":57.0,"sentiment":"neutral","sentiment_score":0.3040367662906647},{"text":"Yeah.","start":60.26,"end":60.659996,"sentiment":"neutral","sentiment_score":0.12994639575481415}],"sentiment":"neutral","sentiment_score":0.286659899353981,"num_words":15,"start":50.665,"end":60.659996},{"sentences":[{"text":"That's good.","start":60.659996,"end":61.46,"sentiment":"neutral","sentiment_score":0.1611936017870903},{"text":"That's ex it was busy, but it was good.","start":61.46,"end":64.2,"sentiment":"neutral","sentiment_score":0.08779874733752674},{"text":"Yeah.","start":66.165,"end":66.665,"sentiment":"neutral","sentiment_score":0.1445029079914093},{"text":"Beautiful.","start":67.125,"end":67.625,"sentiment":"positive","sentiment_score":0.34542733430862427},{"text":"Now I've just sent that one through to you, Vivian.","start":67.765,"end":69.845,"sentiment":"neutral","sentiment_score":0.28547399342060087}],"sentiment":"neutral","sentiment_score":0.1937933089616506,"num_words":23,"start":60.659996,"end":69.845},{"sentences":[{"text":"Hopefully, it pops through fairly quickly for you.","start":69.845,"end":72.265,"sentiment":"positive","sentiment_score":0.3756703659892082},{"text":"Yes.","start":79.14,"end":79.46,"sentiment":"neutral","sentiment_score":0.06346163153648376},{"text":"That's the one I have here.","start":79.46,"end":80.74,"sentiment":"neutral","sentiment_score":0.08227349321047465},{"text":"Yeah.","start":80.74,"end":81.24,"sentiment":"neutral","sentiment_score":0.05625887215137482},{"text":"Hannah.verve@icloud.com.","start":81.700005,"end":84.12,"sentiment":"neutral","sentiment_score":0.048178765922784805}],"sentiment":"neutral","sentiment_score":0.2157001856933622,"num_words":17,"start":69.845,"end":84.12},{"sentences":[{"text":"Beautiful.","start":86.1,"end":86.6,"sentiment":"positive","sentiment_score":0.33848169445991516},{"text":"Lovely.","start":90.195,"end":90.695,"sentiment":"neutral","sentiment_score":0.3111458122730255},{"text":"So when you open up that one, now I have attached the statement of advice as an attachment.","start":90.915,"end":95.335,"sentiment":"neutral","sentiment_score":0.161614670107762},{"text":"But when you open the email, it does have a button that says to sign.","start":95.395004,"end":99.155,"sentiment":"neutral","sentiment_score":0.08725305398305257},{"text":"It's not gonna ask you to sign anything.","start":99.155,"end":100.915,"sentiment":"neutral","sentiment_score":0.06569706136360765}],"sentiment":"neutral","sentiment_score":0.12542008998435597,"num_words":43,"start":86.1,"end":100.915},{"sentences":[{"text":"It's just you press that button, so it allows you to continue forward so you can review the document.","start":100.915,"end":105.61,"sentiment":"neutral","sentiment_score":0.1918280469743829},{"text":"And then you should be able to scroll up and down through the pages to make it easier.","start":107.03,"end":110.89,"sentiment":"neutral","sentiment_score":0.17821204745107228},{"text":"Is that all working for you?","start":117.045,"end":118.744995,"sentiment":"neutral","sentiment_score":0.15530651062726974},{"text":"Fantastic.","start":120.325,"end":120.825,"sentiment":"positive","sentiment_score":0.7806901335716248},{"text":"Now on the first page there, you should see it says OP Financial and the statement of advice as prepared for yourself as of the 03/25/2026 there.","start":121.765,"end":130.265,"sentiment":"neutral","sentiment_score":0.10838582339110198}],"sentiment":"neutral","sentiment_score":0.1618520588102475,"num_words":71,"start":100.915,"end":130.265},{"sentences":[{"text":"It has been prepared by myself, Dana Taylor.","start":130.91,"end":132.99,"sentiment":"neutral","sentiment_score":0.06379178119823337},{"text":"I'm an authorized representative under Oakview Financial.","start":132.99,"end":135.57,"sentiment":"neutral","sentiment_score":0.05708535334893635},{"text":"My registration number is 1304394.","start":135.63,"end":139.15001,"sentiment":"neutral","sentiment_score":0.04812707379460335},{"text":"Okay?","start":139.15001,"end":139.65001,"sentiment":"neutral","sentiment_score":0.03952185437083244},{"text":"As you scroll through the next pages there, you'll see we've got the best interest duty.","start":141.39,"end":145.07,"sentiment":"neutral","sentiment_score":0.10189044242724776}],"sentiment":"neutral","sentiment_score":0.07622529797860093,"num_words":37,"start":130.91,"end":145.07},{"sentences":[{"text":"It's just letting you know that any advice we do provide is provided under the best interest duty, which is part of the corporation's ask.","start":145.07,"end":150.695,"sentiment":"neutral","sentiment_score":0.11781966149806976},{"text":"It's about making sure that we understand your goals, your financial and personal situation to make sure that the recommendations provided are there to put you in a best in a best possible position to meet your goals and objectives and to make sure they are in your best interest moving forward.","start":150.695,"end":166.29001,"sentiment":"neutral","sentiment_score":0.2054485370619939},{"text":"Okay?","start":166.35,"end":166.85,"sentiment":"neutral","sentiment_score":0.08220858871936798},{"text":"Beautiful.","start":168.03,"end":168.53,"sentiment":"positive","sentiment_score":0.5123597383499146},{"text":"The next page is the table of contents.","start":169.23,"end":171.23,"sentiment":"neutral","sentiment_score":0.1907988926395774}],"sentiment":"neutral","sentiment_score":0.18103189578001527,"num_words":87,"start":145.07,"end":171.23},{"sentences":[{"text":"And moving on beyond that, you'll see we've got some areas that we have scoped in for advice.","start":171.23,"end":175.55501,"sentiment":"neutral","sentiment_score":0.11884855623874399},{"text":"So it could be considered areas.","start":175.55501,"end":177.175,"sentiment":"neutral","sentiment_score":0.11282704149683316},{"text":"We're looking at superannuation working towards your goals.","start":177.635,"end":180.515,"sentiment":"neutral","sentiment_score":0.14117765706032515},{"text":"They're looking at the trends, their time, and strategies for you to see if we can increase contributions in, help maybe reduce a little bit of income tax, but also makes your income stays relatively the same.","start":180.515,"end":191.76,"sentiment":"neutral","sentiment_score":0.08597362363660657},{"text":"We looked at the personal insurance aspect, so you have some life and TV data.","start":192.45999,"end":196.94,"sentiment":"neutral","sentiment_score":0.13025421425700187}],"sentiment":"neutral","sentiment_score":0.10810112864488647,"num_words":84,"start":171.23,"end":196.94},{"sentences":[{"text":"You were happy not to sort of have those any further, so we've looked at, you know, what that can do for your super as well.","start":197.09999,"end":202.72,"sentiment":"neutral","sentiment_score":0.30390197267899144},{"text":"And then we've also got the estate planning considerations.","start":202.96501,"end":205.865,"sentiment":"neutral","sentiment_score":0.11724533802933162},{"text":"So one of the big things is making sure that beneficiary nominations are set up correctly, that it refers to your wishes, and also making sure your wills and power of attorneys are also reflective of that as well.","start":206.32501,"end":217.365,"sentiment":"neutral","sentiment_score":0.18793228574288198},{"text":"Okay.","start":217.365,"end":217.865,"sentiment":"neutral","sentiment_score":0.0486149825155735},{"text":"Beautiful.","start":219.05,"end":219.55,"sentiment":"neutral","sentiment_score":0.29120898246765137}],"sentiment":"neutral","sentiment_score":0.218761084748334,"num_words":76,"start":197.09999,"end":219.55},{"sentences":[{"text":"The next page is the limited scope basis.","start":221.21,"end":223.93,"sentiment":"neutral","sentiment_score":-0.00853689294308424},{"text":"So because you are a little bit away from retirement, essentially, we're looking at what this is doing for you now and, yeah, the effect of this.","start":223.93,"end":231.765,"sentiment":"neutral","sentiment_score":0.02677700413322007},{"text":"We look at whether it comes to retirement planning and the Social Security in this document.","start":232.085,"end":235.845,"sentiment":"neutral","sentiment_score":0.011840283870697021},{"text":"It's more to showing you the long term effect of the recommendations and how this can help you in those retirement years.","start":235.845,"end":241.845,"sentiment":"positive","sentiment_score":0.5439177514477209},{"text":"So we don't make a recommendation as yet on how to draw down the income once you hit that retirement age or what sort of Social Security benefit you're expecting as a dollar figure, but it's sort of showing you a bit of a graph and a table on where we see everything sitting with regards to these recommendations.","start":241.845,"end":259.285,"sentiment":"neutral","sentiment_score":0.00625433488670042}],"sentiment":"neutral","sentiment_score":0.0998433696980955,"num_words":132,"start":221.21,"end":259.285},{"sentences":[{"text":"Now when you get so to try and use, you know, exactly what you wanna draw down, exactly, you know, when you're gonna retire, the date you've got there, we can then in the in-depth, sorry, make another recommendation around this sort of area.","start":259.505,"end":272.82,"sentiment":"neutral","sentiment_score":0.1286744922399521},{"text":"It's just that with Social Security, it changes a couple of times a year, so we're a bit far out to really assess that at the moment.","start":272.82,"end":278.92,"sentiment":"neutral","sentiment_score":-0.011922535063974836},{"text":"And with retirement, we will always make sure we're updating that down the track for you when you get closer to it.","start":279.46002,"end":284.90002,"sentiment":"neutral","sentiment_score":0.11515944383361122},{"text":"Okay?","start":284.90002,"end":285.40002,"sentiment":"neutral","sentiment_score":0.07065623253583908},{"text":"Perfect.","start":286.555,"end":287.055,"sentiment":"positive","sentiment_score":0.4861482083797455}],"sentiment":"neutral","sentiment_score":0.08873769912721688,"num_words":95,"start":259.505,"end":287.055},{"sentences":[{"text":"On page number seven, we have the areas that we've not considered there.","start":288.235,"end":291.35498,"sentiment":"neutral","sentiment_score":0.09488202688785699},{"text":"So you've got your investment property at the moment.","start":291.35498,"end":293.69498,"sentiment":"neutral","sentiment_score":0.038807562448912196},{"text":"We're not making a recommendation around that currently.","start":293.91498,"end":296.57498,"sentiment":"neutral","sentiment_score":-0.11734445486217737},{"text":"However, we can help you with additional advice down the track if you would like to.","start":296.63498,"end":300.655,"sentiment":"neutral","sentiment_score":0.2325115529820323},{"text":"Okay?","start":300.715,"end":301.215,"sentiment":"neutral","sentiment_score":0.045425571501255035}],"sentiment":"neutral","sentiment_score":0.09382104663614263,"num_words":47,"start":288.235,"end":301.215},{"sentences":[{"text":"We've also got no additional personal insurances.","start":302.33002,"end":304.59,"sentiment":"neutral","sentiment_score":-0.07630913039403302},{"text":"So we have fact in just the cancellation of your life and TPD.","start":304.73,"end":307.95,"sentiment":"neutral","sentiment_score":-0.0771281633239526},{"text":"However, you didn't have any income protection or any trauma or any other type of personal cover.","start":308.01,"end":312.97,"sentiment":"neutral","sentiment_score":-0.15339070295586305},{"text":"So we've scoped out getting any additional cover for you.","start":312.97,"end":316.27002,"sentiment":"neutral","sentiment_score":-0.014737935364246368},{"text":"Okay?","start":316.41,"end":316.91,"sentiment":"neutral","sentiment_score":0.033115558326244354}],"sentiment":"neutral","sentiment_score":-0.08872366211532305,"num_words":48,"start":302.33002,"end":316.91},{"sentences":[{"text":"Perfect.","start":318.065,"end":318.565,"sentiment":"positive","sentiment_score":0.4206216335296631},{"text":"The next page is essentially the limited advice warning.","start":319.825,"end":323.265,"sentiment":"neutral","sentiment_score":0.05433741294675403},{"text":"So this is letting you know that we do scope in in our areas that we are looking at with regards to the advice.","start":323.265,"end":327.92502,"sentiment":"neutral","sentiment_score":0.13377345508585373},{"text":"Any areas that we have scoped out or any areas that you have we've not received advice on, you're welcome to come back at a later time, have a conversation with me, and we can always provide advice on those additional areas for you.","start":328.385,"end":339.34,"sentiment":"neutral","sentiment_score":0.22664105926047673},{"text":"It's important to note this is just a starting point as well.","start":339.8,"end":342.19998,"sentiment":"neutral","sentiment_score":0.08286941610276699}],"sentiment":"neutral","sentiment_score":0.16763178747561241,"num_words":90,"start":318.065,"end":342.19998},{"sentences":[{"text":"So the advice they provide now is not a set and forget.","start":342.19998,"end":344.91998,"sentiment":"neutral","sentiment_score":0.13551848630110422},{"text":"It's about reviewing the advice, making sure it's working for you, and keeping to, you know, alter it as your goals change, as your life changes.","start":344.91998,"end":352.345,"sentiment":"neutral","sentiment_score":0.21799651246804458},{"text":"One of the things you may have mentioned was that, you know, you might look at getting out of this current work and moving into more of a a care sort of role.","start":352.345,"end":359.465,"sentiment":"neutral","sentiment_score":0.025227046712781444},{"text":"So when that time changes, there could be some, you know, bigger effects on your retirement goals and things like that.","start":359.465,"end":365.15,"sentiment":"neutral","sentiment_score":-0.013730144039506004},{"text":"So we wanna keep evolving the advice as your life as your goals change.","start":365.15,"end":369.41,"sentiment":"neutral","sentiment_score":0.2784101462789944}],"sentiment":"neutral","sentiment_score":0.11071728985264616,"num_words":106,"start":342.19998,"end":369.41},{"sentences":[{"text":"Okay?","start":369.47,"end":369.97,"sentiment":"neutral","sentiment_score":0.1807105839252472},{"text":"Perfect.","start":370.91,"end":371.41,"sentiment":"positive","sentiment_score":0.5461488962173462},{"text":"This also lets you know that we're not solicitors.","start":372.35,"end":374.43,"sentiment":"neutral","sentiment_score":0.17657243212064108},{"text":"So when it comes to the drafting of wills and power of attorneys, we can refer you through to a solicitor if you did require the services of one.","start":374.43,"end":381.055,"sentiment":"neutral","sentiment_score":0.11032563961785415},{"text":"But our financial advisers, they're not solicitous, so we can't technically draft a bill for you.","start":381.19498,"end":385.69498,"sentiment":"neutral","sentiment_score":0.027315327586620697}],"sentiment":"neutral","sentiment_score":0.10629464570592972,"num_words":56,"start":369.47,"end":385.69498},{"sentences":[{"text":"We also when it comes to insurances, do look at personal covers, so things like life, TPD, and income protection.","start":386.63498,"end":392.97,"sentiment":"neutral","sentiment_score":0.03450297601521015},{"text":"Other types of general insurance products like house, motor liability, and business cover, we don't provide advice on, but we can always refer you to a general insurance broker if you would require those services.","start":393.67,"end":403.61002,"sentiment":"neutral","sentiment_score":0.03441563823393413},{"text":"And under the Better Advice Act 2021, as a financial adviser, I'm able to provide tax financial advice.","start":405.365,"end":411.04498,"sentiment":"neutral","sentiment_score":0.11875154450535774},{"text":"So it's basically looking at, you know, anything you've got coming up, CGT or tax to tax related areas and providing advice around those, whether it be to minimize, to utilize, or, you know, maximize depending on your situation.","start":411.04498,"end":423.35,"sentiment":"neutral","sentiment_score":0.1258690894032136},{"text":"But we're not accountants, so we don't do your tax return for you.","start":424.29,"end":427.65,"sentiment":"neutral","sentiment_score":0.029411383635865953}],"sentiment":"neutral","sentiment_score":0.07458701706863939,"num_words":125,"start":386.63498,"end":427.65},{"sentences":[{"text":"And if you did require the services of a tax accountant, we can absolutely refer you through to one as well.","start":427.65,"end":433.33,"sentiment":"neutral","sentiment_score":0.08854359548006739},{"text":"Okay?","start":433.33,"end":433.83,"sentiment":"neutral","sentiment_score":0.0738680511713028},{"text":"Perfect.","start":434.695,"end":435.195,"sentiment":"positive","sentiment_score":0.5318765640258789},{"text":"Beautiful.","start":435.415,"end":435.915,"sentiment":"positive","sentiment_score":0.5967280864715576},{"text":"The next page is the about you section.","start":436.93503,"end":439.035,"sentiment":"neutral","sentiment_score":0.1580993663519621}],"sentiment":"neutral","sentiment_score":0.13520884804893285,"num_words":32,"start":427.65,"end":439.035},{"sentences":[{"text":"Is there any kind of information on that page that you might need to have to update?","start":439.255,"end":442.855,"sentiment":"neutral","sentiment_score":0.07079282665953916},{"text":"If that's everything that we had collected originally, just wanna make sure that there's no major changes since we last caught up.","start":442.855,"end":448.71503,"sentiment":"neutral","sentiment_score":0.04124049452895468},{"text":"Perfect.","start":453.81,"end":454.31,"sentiment":"neutral","sentiment_score":0.07348702847957611},{"text":"Oh, me too.","start":455.16998,"end":456.05,"sentiment":"neutral","sentiment_score":-0.062412781020005546},{"text":"Tell you what, if I win, I'll share.","start":456.05,"end":457.83,"sentiment":"neutral","sentiment_score":-0.11399102164432406}],"sentiment":"neutral","sentiment_score":0.021276263629688937,"num_words":51,"start":439.255,"end":457.83},{"sentences":[{"text":"If I win, I'll make sure I call you and share.","start":458.77,"end":461.19,"sentiment":"neutral","sentiment_score":0.04536809806119312},{"text":"Absolutely.","start":464.125,"end":464.625,"sentiment":"positive","sentiment_score":0.3694421648979187},{"text":"And the next page is your assets and liabilities there as well.","start":465.245,"end":468.285,"sentiment":"neutral","sentiment_score":0.12470787763595581},{"text":"So this is the information that we had based on your current asset and liabilities noted.","start":468.285,"end":472.285,"sentiment":"neutral","sentiment_score":0.07938174996525049},{"text":"I know there can be some changes around the the loans and the values there, but is there anything that you would like to have updated, or is everything still fairly accurate?","start":472.285,"end":480.78,"sentiment":"neutral","sentiment_score":0.044795686029829085}],"sentiment":"neutral","sentiment_score":0.07039660732779238,"num_words":72,"start":458.77,"end":480.78},{"sentences":[{"text":"Beautiful.","start":484.28,"end":484.78,"sentiment":"positive","sentiment_score":0.5133625864982605},{"text":"And underneath that, we also have your current superannuation and your car insurance as noted as well.","start":485.72,"end":491.0,"sentiment":"neutral","sentiment_score":0.13619901546660593},{"text":"Okay.","start":491.0,"end":491.5,"sentiment":"neutral","sentiment_score":0.15244567394256592},{"text":"Perfect.","start":492.835,"end":493.335,"sentiment":"positive","sentiment_score":0.7016197443008423},{"text":"Lovely.","start":494.19498,"end":494.69498,"sentiment":"positive","sentiment_score":0.6065243482589722}],"sentiment":"neutral","sentiment_score":0.20425407694918768,"num_words":21,"start":484.28,"end":494.69498},{"sentences":[{"text":"I'm I'm gonna skip through a few pages to kinda go through the recommendations.","start":494.995,"end":498.85498,"sentiment":"neutral","sentiment_score":0.20872764768345015},{"text":"But once we've gone through everything after the call, you'll be able to go back and have a really good read of the document, look at the the recommendations in detail, the advantages, disadvantages, risks, and alternatives considered, and you're welcome to come back with me with any questions.","start":499.47498,"end":512.61,"sentiment":"neutral","sentiment_score":0.19284794456800636},{"text":"Okay?","start":512.91003,"end":513.41003,"sentiment":"neutral","sentiment_score":0.1381007581949234},{"text":"Beautiful.","start":514.67,"end":515.17,"sentiment":"positive","sentiment_score":0.6145442724227905},{"text":"That's okay.","start":515.63,"end":516.45,"sentiment":"neutral","sentiment_score":0.2881407141685486}],"sentiment":"neutral","sentiment_score":0.20448750463217052,"num_words":67,"start":494.995,"end":516.45},{"sentences":[{"text":"Now to make this a little bit easier on you, if I can just get you to scroll down to page number 33 for me, I'll go through the recommendations, but sometimes looking at this table is a little bit easier for you.","start":517.15,"end":528.085,"sentiment":"neutral","sentiment_score":0.13349430938792783},{"text":"Okay?","start":528.085,"end":528.585,"sentiment":"neutral","sentiment_score":0.052851352840662},{"text":"Beautiful.","start":530.72504,"end":531.22504,"sentiment":"neutral","sentiment_score":0.20758143067359924},{"text":"33.","start":532.325,"end":533.205,"sentiment":"neutral","sentiment_score":0.021993981674313545},{"text":"So the heading there is the fee comparison table.","start":533.205,"end":535.945,"sentiment":"neutral","sentiment_score":0.02686390829169088}],"sentiment":"neutral","sentiment_score":0.11389922260899435,"num_words":55,"start":517.15,"end":535.945},{"sentences":[{"text":"Beautiful.","start":539.93,"end":540.43,"sentiment":"positive","sentiment_score":0.45994269847869873},{"text":"So with the recommendations that at the moment, you are in the Australian Retirement Trust with your current balance as the date we got the research.","start":541.21,"end":548.19,"sentiment":"neutral","sentiment_score":0.11117271649149749},{"text":"You are paying the administration fees, investment fees.","start":548.505,"end":551.145,"sentiment":"neutral","sentiment_score":0.08400748204439878},{"text":"You've got no adviser fees coming out at the moment, and your contributions going in there, and your insurance premiums are also coming out.","start":551.145,"end":557.485,"sentiment":"neutral","sentiment_score":0.13239872176200151},{"text":"In the portfolio you have in at the moment, you are more of a balanced growth environment.","start":558.025,"end":562.125,"sentiment":"neutral","sentiment_score":0.11791816660586525}],"sentiment":"neutral","sentiment_score":0.12111409655527065,"num_words":76,"start":539.93,"end":562.125},{"sentences":[{"text":"So you are taking on a little bit more risk in that environment than what you were more comfortable with when we did the risk profile questionnaire.","start":562.185,"end":569.05,"sentiment":"neutral","sentiment_score":0.011518818326294422},{"text":"So as the starting recommendation, I am recommending that we do move you out of Australian retirement trust and into Hub twenty four.","start":569.67,"end":576.32996,"sentiment":"neutral","sentiment_score":0.008874617516994476},{"text":"Now have you ever heard of Hub twenty four before?","start":576.70996,"end":579.12994,"sentiment":"neutral","sentiment_score":0.004228998627513647},{"text":"No.","start":580.735,"end":580.975,"sentiment":"neutral","sentiment_score":-0.15327104926109314},{"text":"That's okay.","start":580.975,"end":581.875,"sentiment":"neutral","sentiment_score":0.02416132017970085}],"sentiment":"neutral","sentiment_score":0.007181998017051864,"num_words":63,"start":562.185,"end":581.875},{"sentences":[{"text":"Hub twenty four is a retail rep platform, essentially.","start":582.095,"end":584.995,"sentiment":"neutral","sentiment_score":0.14557449933555391},{"text":"What it does, it's a retail super fund.","start":585.21497,"end":587.475,"sentiment":"neutral","sentiment_score":0.22798330709338188},{"text":"It essentially allows advisers to open up these sorts of investments and gives us access to generally a lot of different investment options within hub within ART.","start":587.535,"end":596.25,"sentiment":"neutral","sentiment_score":0.25835424330499435},{"text":"Sorry.","start":596.25,"end":596.75,"sentiment":"neutral","sentiment_score":-0.010730154812335968},{"text":"You generally have about 30 different investment options to choose from.","start":596.97,"end":600.08997,"sentiment":"neutral","sentiment_score":0.01972599835558371}],"sentiment":"neutral","sentiment_score":0.1842117383410888,"num_words":56,"start":582.095,"end":600.08997},{"sentences":[{"text":"But within hub twenty four, we actually get access to a bit over 1,148 or different investment options.","start":600.08997,"end":607.025,"sentiment":"neutral","sentiment_score":0.14743940573599604},{"text":"That's everything from managed funds, exchange trader funds, to individual shares in companies, both here in Australia, but also in overseas, exchanges as well.","start":607.025,"end":617.185,"sentiment":"neutral","sentiment_score":0.1351728035757939},{"text":"So we get access to a lot more different investment options there.","start":617.185,"end":620.885,"sentiment":"neutral","sentiment_score":0.14676273303727308},{"text":"I am recommending that we move you fully out of the ART funded into hub twenty four, which is managed by us.","start":621.31,"end":627.17,"sentiment":"neutral","sentiment_score":0.1833118830214847},{"text":"We are also recommending that we set up a transition time and strategy for you as well, which means that you have a separate super and it's what's called a TTR pension account.","start":627.70996,"end":636.825,"sentiment":"neutral","sentiment_score":0.29605343531478534}],"sentiment":"neutral","sentiment_score":0.19689756126031963,"num_words":109,"start":600.08997,"end":636.825},{"sentences":[{"text":"Your contributions will continue to go into the accumulation of the super account and will increase those contributions up to maximize the cap, and then we'll be able to replenish your income by drawing some of that out of the pension account there.","start":637.125,"end":651.23,"sentiment":"neutral","sentiment_score":0.29726773708365684},{"text":"With the rest yeah.","start":652.56995,"end":653.69,"sentiment":"neutral","sentiment_score":0.061548084020614624},{"text":"One of the big things to look at is obviously the cost factor there.","start":653.69,"end":656.41,"sentiment":"neutral","sentiment_score":-0.032625614532402585},{"text":"So when you look at the administration fees and investment fees, Hub twenty four as a platform by moving you out of ART into Hub twenty four and having both those accounts there, you'll see the first side of that is 85,000.","start":656.41,"end":667.965,"sentiment":"neutral","sentiment_score":0.07993808042790208},{"text":"The second is $152.04 $0.06.","start":668.025,"end":670.84503,"sentiment":"neutral","sentiment_score":0.042779844254255295}],"sentiment":"neutral","sentiment_score":0.1494744909858262,"num_words":108,"start":637.125,"end":670.84503},{"sentences":[{"text":"So we'll leave 85,000 in the accumulation of super account, which is where your contributions will continue to go into, and we'll move 152,406 into the pension account.","start":671.12,"end":682.98,"sentiment":"neutral","sentiment_score":0.1562577195997749},{"text":"And that's where we'll draw a little bit of income to replenish what we're putting into super.","start":683.135,"end":687.71497,"sentiment":"neutral","sentiment_score":0.21291644871234894},{"text":"Okay?","start":687.935,"end":688.435,"sentiment":"neutral","sentiment_score":0.06778038293123245},{"text":"By opening both of these two accounts, when you look at the administration fee, I do realize it is a little bit more.","start":689.855,"end":695.135,"sentiment":"neutral","sentiment_score":0.015724847133716812},{"text":"So it is about $442 more per year for having the two accounts within Hub twenty four.","start":695.135,"end":701.5,"sentiment":"neutral","sentiment_score":0.09003214439486756}],"sentiment":"neutral","sentiment_score":0.11575341975143136,"num_words":86,"start":671.12,"end":701.5},{"sentences":[{"text":"But with the portfolio that we're recommending, and I'll go through that in a bit more detail above for you, by having these two accounts, you're actually saving for the first year about a thousand and $36 on investment fees.","start":701.56,"end":714.195,"sentiment":"positive","sentiment_score":0.39083962216973306},{"text":"So, overall, when we weigh up the option, the administration fees, the investment fees for the different accounts, both ART and hub twenty four, by following this strategy, you're actually gonna save overall, which is really important.","start":714.195,"end":728.29,"sentiment":"positive","sentiment_score":0.47780307362208496},{"text":"So having lower fees does mean that you're gonna have more money remain invested for you.","start":728.29,"end":733.08997,"sentiment":"positive","sentiment_score":0.5243654642254114},{"text":"Okay?","start":733.08997,"end":733.58997,"sentiment":"neutral","sentiment_score":0.2076544463634491},{"text":"Yep.","start":734.815,"end":735.135,"sentiment":"positive","sentiment_score":0.4581097960472107}],"sentiment":"positive","sentiment_score":0.445978002956039,"num_words":95,"start":701.56,"end":735.135},{"sentences":[{"text":"Beautiful.","start":735.135,"end":735.615,"sentiment":"positive","sentiment_score":0.7186737060546875},{"text":"When I sort of look at the difference there, it actually saves you about $594 overall.","start":735.615,"end":740.195,"sentiment":"positive","sentiment_score":0.5461262334138155},{"text":"So it works that you have a lot more money invested there, which is really important.","start":740.495,"end":744.595,"sentiment":"positive","sentiment_score":0.6131957434117794},{"text":"Okay?","start":744.895,"end":745.395,"sentiment":"neutral","sentiment_score":0.2625170648097992},{"text":"Beautiful.","start":746.99,"end":747.49,"sentiment":"positive","sentiment_score":0.561408281326294}],"sentiment":"positive","sentiment_score":0.5740500194685799,"num_words":35,"start":735.135,"end":747.49},{"sentences":[{"text":"Now we do obviously have the adviser fees there.","start":748.75,"end":751.07,"sentiment":"neutral","sentiment_score":0.23731565144326952},{"text":"So one of the things we did we did let you know about was that by coming on board, everything we do up into the point you decide to sign the advice and come on board is completely complimentary.","start":751.07,"end":760.29004,"sentiment":"neutral","sentiment_score":0.3074259612804804},{"text":"Once we do come on board and we go through the the process of implementing the advice, we do charge an implementation fee.","start":761.655,"end":768.555,"sentiment":"neutral","sentiment_score":0.14829465698288835},{"text":"It is 3.3% and capped at a $150,000.","start":768.855,"end":772.855,"sentiment":"neutral","sentiment_score":0.06929962383583188},{"text":"So at the very top, you'd see the difference, you would see that implementation fee.","start":772.855,"end":777.91,"sentiment":"neutral","sentiment_score":0.05459557349483172}],"sentiment":"neutral","sentiment_score":0.2011655431557843,"num_words":94,"start":748.75,"end":777.91},{"sentences":[{"text":"Now how this implementation works for the first part of the recommendations is that we start by rolling you out of ART into hub 24 and moving everything into just a super account first.","start":778.37,"end":789.225,"sentiment":"neutral","sentiment_score":0.1886252798140049},{"text":"Once the funds hit the account, everything stays in cash for a quick minute, and we deduct that 4,950 as the implementation fee, and then we have the funds invested for you so that it's all making that money back nice and quickly.","start":790.185,"end":803.32495,"sentiment":"neutral","sentiment_score":0.32650028931540115},{"text":"Okay?","start":803.46497,"end":803.96497,"sentiment":"neutral","sentiment_score":0.12072676420211792},{"text":"Once we've done that, then we open up the pension account, and we roll that $1.52 into the pension account.","start":805.19,"end":810.97003,"sentiment":"neutral","sentiment_score":0.18160852715373038},{"text":"We then start the drawdowns, and then we let you know when the first drawdown is, and we get you to start increasing your contributions.","start":811.19,"end":817.61,"sentiment":"neutral","sentiment_score":0.21638725936412812}],"sentiment":"neutral","sentiment_score":0.24077520931397028,"num_words":123,"start":778.37,"end":817.61},{"sentences":[{"text":"And I'll go through that in a bit more detail shortly for you at the moment.","start":817.67004,"end":820.635,"sentiment":"neutral","sentiment_score":0.15576505893841386},{"text":"Do you have any questions so far?","start":820.635,"end":822.495,"sentiment":"neutral","sentiment_score":0.019928932056895325},{"text":"No?","start":824.475,"end":824.635,"sentiment":"neutral","sentiment_score":-0.0703849047422409},{"text":"Beautiful.","start":824.635,"end":825.135,"sentiment":"positive","sentiment_score":0.418965220451355},{"text":"It's also important I do make you aware you do have the ongoing service fee as well.","start":825.995,"end":829.675,"sentiment":"neutral","sentiment_score":0.08457632516236867}],"sentiment":"neutral","sentiment_score":0.10519336454481595,"num_words":42,"start":817.67004,"end":829.675},{"sentences":[{"text":"So for us to look after everything and continue to look after it moving forward, we do charge a regular ongoing service fee percentage.","start":829.675,"end":836.87,"sentiment":"neutral","sentiment_score":0.09004594835763176},{"text":"It is normally 1.65%.","start":836.93,"end":839.27,"sentiment":"neutral","sentiment_score":0.05620849039405584},{"text":"However, I did ask Connor.","start":839.57,"end":840.93,"sentiment":"neutral","sentiment_score":0.09980390816926957},{"text":"I did go into that for you, and they've actually reduced the fee itself to 1.1 ongoing.","start":840.93,"end":846.39,"sentiment":"neutral","sentiment_score":0.14729957282543182},{"text":"So that's essentially it's 1.1 as a yearly percentage charge.","start":846.69,"end":852.61505,"sentiment":"neutral","sentiment_score":0.09570137187838554}],"sentiment":"neutral","sentiment_score":0.10576771199703217,"num_words":60,"start":829.675,"end":852.61505},{"sentences":[{"text":"However, we deduct the fee on on an ongoing basis, on a monthly basis out of your super funds, so you pay a smaller amount regularly.","start":852.61505,"end":859.59503,"sentiment":"neutral","sentiment_score":0.12254814774944232},{"text":"The idea of having a percentage based ongoing service fee is that it fluctuates with the market.","start":859.79004,"end":864.51,"sentiment":"neutral","sentiment_score":0.09613383890074842},{"text":"So when the market is doing really well, the fee we're gonna receive is gonna be a little bit higher as well.","start":864.51,"end":869.95,"sentiment":"neutral","sentiment_score":0.06504537469961426},{"text":"However, when the market takes a little bit of a dip, our fee is gonna take a bit of a dip there with it.","start":869.95,"end":874.525,"sentiment":"neutral","sentiment_score":-0.04364087820673982},{"text":"So it is linked to the performance of your super as well.","start":874.525,"end":877.165,"sentiment":"neutral","sentiment_score":0.07881369379659493}],"sentiment":"neutral","sentiment_score":0.06089018410680318,"num_words":101,"start":852.61505,"end":877.165},{"sentences":[{"text":"Does that make sense?","start":877.165,"end":878.22504,"sentiment":"neutral","sentiment_score":0.05438527371734381},{"text":"Yeah.","start":878.28503,"end":878.78503,"sentiment":"neutral","sentiment_score":0.060051776468753815},{"text":"Beautiful.","start":879.565,"end":880.065,"sentiment":"positive","sentiment_score":0.3960331082344055},{"text":"You'll see on the column there with the adviser fee that we would expect for the first year, that it'd be it's pro rata between the two accounts, so that'd be 2,000 628 for the first year.","start":880.925,"end":891.9,"sentiment":"neutral","sentiment_score":0.1358630713578817},{"text":"Okay.","start":891.9,"end":892.4,"sentiment":"neutral","sentiment_score":0.17371252179145813}],"sentiment":"neutral","sentiment_score":0.13350618503649125,"num_words":44,"start":877.165,"end":892.4},{"sentences":[{"text":"Beautiful.","start":893.66003,"end":894.16003,"sentiment":"positive","sentiment_score":0.41323572397232056},{"text":"Lovely.","start":894.38,"end":894.88,"sentiment":"positive","sentiment_score":0.3948433101177216},{"text":"You'll also see underneath that we've got contributions per year, which are increased from where they are at the moment.","start":895.34,"end":900.225,"sentiment":"neutral","sentiment_score":0.13599543794989585},{"text":"It's part of the TTR strategy, and I'll take you through that shortly, and also the pension withdrawal, which is also gonna come out of the pension account to help supplement your income.","start":900.225,"end":909.285,"sentiment":"neutral","sentiment_score":0.1730709531993577},{"text":"Okay.","start":909.425,"end":909.925,"sentiment":"neutral","sentiment_score":0.1255604922771454}],"sentiment":"neutral","sentiment_score":0.16723017394542694,"num_words":56,"start":893.66003,"end":909.925},{"sentences":[{"text":"Beautiful.","start":911.35,"end":911.85,"sentiment":"positive","sentiment_score":0.33448275923728943},{"text":"With the recommendations there, you'll see on the very bottom of that table there that we have recommended a balanced portfolio.","start":912.79,"end":918.17,"sentiment":"neutral","sentiment_score":0.1857570686510631},{"text":"So this is actually taking a little bit of risk risk in the market.","start":918.23,"end":921.26996,"sentiment":"neutral","sentiment_score":0.08877034112811089},{"text":"So at the table on the page before this one, if you just scroll up slightly, you've got a little table that shows essentially where your growth and defensive assets are now versus what we're recommending for you.","start":921.26996,"end":933.375,"sentiment":"neutral","sentiment_score":0.1188694393556369},{"text":"So in the balanced growth environment you are within ART at the moment, you've got currently 65% growth investments and about 35% defensive investments.","start":933.435,"end":943.76,"sentiment":"neutral","sentiment_score":0.0905106752179563}],"sentiment":"neutral","sentiment_score":0.1241577640555951,"num_words":98,"start":911.35,"end":943.76},{"sentences":[{"text":"With the proposed, we're actually going to reduce that so you'll have about 60% in growth investments, things like Australian shares, international shares, listed property, and commodities, and then we'll increase the defective to about 40% there.","start":944.22,"end":958.495,"sentiment":"neutral","sentiment_score":0.04664770151312287},{"text":"So we're essentially lowering those higher risk investments and increasing the defensive investments, which lowers your overall risk in the portfolio.","start":958.495,"end":961.955,"sentiment":"neutral","sentiment_score":0.13930858955496833},{"text":"Okay?","start":962.575,"end":963.075,"sentiment":"neutral","sentiment_score":0.15176665782928467},{"text":"The portfolio.","start":963.99,"end":966.33,"sentiment":"neutral","sentiment_score":0.20326931774616241},{"text":"Okay?","start":967.11,"end":967.61,"sentiment":"neutral","sentiment_score":0.2115274667739868}],"sentiment":"neutral","sentiment_score":0.08743996930218512,"num_words":62,"start":944.22,"end":967.61},{"sentences":[{"text":"But, also, making sure it's performing quite well.","start":968.14996,"end":970.70996,"sentiment":"positive","sentiment_score":0.4818441905081272},{"text":"And on that table you were just looking at below there, when you look at how the different portfolios have been performing, our balanced portfolio, which is lowering the overall risk, has actually shown greater performance over the past five years than where you are currently with ART.","start":970.70996,"end":984.29504,"sentiment":"neutral","sentiment_score":0.2947773647028953},{"text":"Okay?","start":984.675,"end":985.175,"sentiment":"neutral","sentiment_score":0.06636656075716019},{"text":"Yeah.","start":986.675,"end":987.155,"sentiment":"neutral","sentiment_score":0.18870502710342407},{"text":"Beautiful.","start":987.155,"end":987.655,"sentiment":"positive","sentiment_score":0.3970122635364533}],"sentiment":"neutral","sentiment_score":0.31620594713900047,"num_words":59,"start":968.14996,"end":987.655},{"sentences":[{"text":"Do you have any questions at the moment?","start":987.715,"end":989.495,"sentiment":"neutral","sentiment_score":0.13899662625044584},{"text":"No?","start":991.37006,"end":991.87006,"sentiment":"neutral","sentiment_score":-0.08783408999443054},{"text":"Absolutely.","start":996.01,"end":996.51,"sentiment":"neutral","sentiment_score":-0.06297434866428375},{"text":"No.","start":996.89,"end":997.29004,"sentiment":"neutral","sentiment_score":-0.07174107432365417},{"text":"Perfect.","start":997.29004,"end":997.77,"sentiment":"neutral","sentiment_score":0.15249048173427582}],"sentiment":"neutral","sentiment_score":0.08682616489628951,"num_words":12,"start":987.715,"end":997.77},{"sentences":[{"text":"So that's essentially the beginning of the recommendations that we are.","start":997.77,"end":1000.57,"sentiment":"neutral","sentiment_score":0.15349879251285034},{"text":"Just recommend you that you do roll out of ART and into Hub 24 for you to make it a bit easier.","start":1000.57,"end":1006.58496,"sentiment":"neutral","sentiment_score":0.1759784377434037},{"text":"Okay?","start":1006.805,"end":1007.305,"sentiment":"neutral","sentiment_score":0.07081466168165207},{"text":"If you scroll back up for me, just to page number 22.","start":1008.96497,"end":1011.845,"sentiment":"neutral","sentiment_score":0.06548479913423459},{"text":"Now this is the second part of the recommendation, and this is that transition retirement strategy.","start":1011.845,"end":1016.425,"sentiment":"neutral","sentiment_score":0.18315256759524345}],"sentiment":"neutral","sentiment_score":0.1507594464647193,"num_words":62,"start":997.77,"end":1016.425},{"sentences":[{"text":"I've sort of got it here a little bit clearer for you so you can see essentially the numbers that we're looking at and how it works.","start":1017.045,"end":1022.8,"sentiment":"neutral","sentiment_score":0.2658234713254152},{"text":"You'll probably wanna take some time after the call to go back and review everything without me talking in your ear, and that's absolutely fine.","start":1023.33997,"end":1030.48,"sentiment":"neutral","sentiment_score":0.3199253785610199},{"text":"I'll also send you an email after the call so you've got my direct email there, and then you're welcome to email me or call me with any questions that you have as well.","start":1030.785,"end":1038.385,"sentiment":"neutral","sentiment_score":0.1970266432446592},{"text":"Okay?","start":1038.385,"end":1038.885,"sentiment":"neutral","sentiment_score":0.06187070161104202},{"text":"Beautiful.","start":1039.905,"end":1040.405,"sentiment":"positive","sentiment_score":0.40878093242645264}],"sentiment":"neutral","sentiment_score":0.2539196101609956,"num_words":88,"start":1017.045,"end":1040.405},{"sentences":[{"text":"Now the second part of this recommendation is once we move you into how '20 four into the accumulation side of things, we wanna recommend that you increase your contributions into super when we had a really good look.","start":1041.185,"end":1052.08,"sentiment":"neutral","sentiment_score":0.2726783645458711},{"text":"Now your income does fluctuate a little bit because, you know, you've got that I think it's working from home allowance or something attached there, but your that's it.","start":1052.08,"end":1062.595,"sentiment":"neutral","sentiment_score":0.0032669799482642576},{"text":"Yep.","start":1066.015,"end":1066.515,"sentiment":"neutral","sentiment_score":0.03337663412094116},{"text":"Yeah.","start":1069.455,"end":1069.955,"sentiment":"neutral","sentiment_score":0.028859836980700493},{"text":"Yeah.","start":1072.095,"end":1072.595,"sentiment":"neutral","sentiment_score":0.14451447129249573}],"sentiment":"neutral","sentiment_score":0.15402745884764468,"num_words":71,"start":1041.185,"end":1072.595},{"sentences":[{"text":"Yep.","start":1077.28,"end":1077.78,"sentiment":"positive","sentiment_score":0.4457443356513977},{"text":"Perfect.","start":1078.24,"end":1078.74,"sentiment":"positive","sentiment_score":0.7052780389785767},{"text":"So we actually when we had a look and and thank you so much for sending through your pay slips because that was really helpful to foresee that because your contributions do fluctuate depending on what your pay is.","start":1079.04,"end":1088.885,"sentiment":"positive","sentiment_score":0.4695357840794783},{"text":"So we've actually made it to have a look at where we expect you to be.","start":1089.345,"end":1092.705,"sentiment":"positive","sentiment_score":0.3833437627181411},{"text":"So we've used your your highest income estimate and sort of used that as an average for the year to show what we expect you to basically be earning for the year, making sure we're not exceeding the contributions cap.","start":1092.705,"end":1104.24,"sentiment":"neutral","sentiment_score":0.30727729089558126}],"sentiment":"positive","sentiment_score":0.39059288446436224,"num_words":97,"start":1077.28,"end":1104.24},{"sentences":[{"text":"So what we are recommending is once we've got that super set up in accumulation, we then increase your contributions up to that 550 on a fortnightly basis there.","start":1104.62,"end":1115.265,"sentiment":"neutral","sentiment_score":0.28286203536494026},{"text":"That's increasing you up to essentially the cap, but that also changes your take home pay.","start":1115.745,"end":1120.385,"sentiment":"neutral","sentiment_score":0.12032791180536151},{"text":"So your take home pay becomes less.","start":1120.385,"end":1122.305,"sentiment":"neutral","sentiment_score":-0.039606046463762014},{"text":"So because of where you are in your stage of life, we're able to sort of help you to replenish your income, and we can move that $152,004.00 6 into an account based transit retirement pension account and be able to draw out between four to 10% on a yearly basis.","start":1122.305,"end":1140.8301,"sentiment":"neutral","sentiment_score":0.16877819758419896},{"text":"We've left a bit of a buffer, so we're not fully drawing out the 10%.","start":1141.0751,"end":1144.515,"sentiment":"neutral","sentiment_score":0.008809148147702218}],"sentiment":"neutral","sentiment_score":0.1575493948155288,"num_words":118,"start":1104.62,"end":1144.515},{"sentences":[{"text":"It gives us a bit of leeway in case we need to make changes to it.","start":1144.515,"end":1147.9751,"sentiment":"neutral","sentiment_score":0.06536212540231645},{"text":"But, essentially, in order to because contributions are normally taxed oh, sorry.","start":1148.355,"end":1152.755,"sentiment":"neutral","sentiment_score":-0.006390763213858008},{"text":"Because contributions are taxed at 15% inside super, the money going into super is taxed at more of a conservative tax rate, I apologize, which means you have more money invested in your super growing and providing more of a benefit for you.","start":1152.755,"end":1167.61,"sentiment":"neutral","sentiment_score":0.105273385553859},{"text":"With the funds that we are putting into super, before it goes into super, at the moment, it's currently being taxed at your marginal tax rate.","start":1168.23,"end":1175.515,"sentiment":"neutral","sentiment_score":-0.017785926815122366},{"text":"So we can increase the amount we're putting into super and draw a lesser amount out to replenish your income.","start":1175.515,"end":1181.615,"sentiment":"neutral","sentiment_score":0.14309487529098988}],"sentiment":"neutral","sentiment_score":0.06748140030182324,"num_words":117,"start":1144.515,"end":1181.615},{"sentences":[{"text":"Okay?","start":1181.915,"end":1182.415,"sentiment":"neutral","sentiment_score":0.05614534020423889},{"text":"It's a little bit yes.","start":1183.93,"end":1186.49,"sentiment":"neutral","sentiment_score":0.044080352783203124},{"text":"So we will actually, the way I like to implement this is we'll start by setting up the the super account.","start":1186.49,"end":1191.8501,"sentiment":"neutral","sentiment_score":0.15577377485377447},{"text":"We'll open the pension account, and we'll let you know when the first pension drawdown is expected.","start":1191.8501,"end":1196.27,"sentiment":"neutral","sentiment_score":0.06564278550007764},{"text":"I like you to get the first pension drawdown out of super before you increase your contributions in.","start":1196.8049,"end":1202.0049,"sentiment":"neutral","sentiment_score":0.13833649911814266}],"sentiment":"neutral","sentiment_score":0.11538355989802268,"num_words":62,"start":1181.915,"end":1202.0049},{"sentences":[{"text":"Otherwise, there could be a wake your where your take home pay is negatively affected.","start":1202.0049,"end":1206.4249,"sentiment":"neutral","sentiment_score":-0.3209880143404007},{"text":"So I like to make sure we're replenishing your income first, then we increase your contributions in.","start":1206.485,"end":1212.15,"sentiment":"neutral","sentiment_score":0.17307509964003281},{"text":"That way, you're not, you know, left behind with expenditure and things like that.","start":1212.39,"end":1215.99,"sentiment":"neutral","sentiment_score":0.06642827843981129},{"text":"Does that make sense?","start":1215.99,"end":1216.9501,"sentiment":"neutral","sentiment_score":0.07288421224802732},{"text":"Yeah.","start":1216.9501,"end":1217.4501,"sentiment":"neutral","sentiment_score":0.11616791039705276}],"sentiment":"neutral","sentiment_score":-0.01048711497409671,"num_words":51,"start":1202.0049,"end":1217.4501},{"sentences":[{"text":"Beautiful.","start":1218.87,"end":1219.37,"sentiment":"positive","sentiment_score":0.4062087833881378},{"text":"If you scroll down to, essentially, I believe, the next page, it might be the second page along.","start":1219.59,"end":1224.87,"sentiment":"neutral","sentiment_score":0.06840433035459784},{"text":"It's page number 24.","start":1224.87,"end":1226.495,"sentiment":"neutral","sentiment_score":0.05114748515188694},{"text":"This essentially shows you the numbers of what we're looking at.","start":1226.495,"end":1229.5349,"sentiment":"neutral","sentiment_score":0.05958011069081046},{"text":"Okay?","start":1229.5349,"end":1230.0349,"sentiment":"neutral","sentiment_score":0.06670762598514557}],"sentiment":"neutral","sentiment_score":0.07326187182750021,"num_words":35,"start":1218.87,"end":1230.0349},{"sentences":[{"text":"Beautiful.","start":1233.615,"end":1234.115,"sentiment":"positive","sentiment_score":0.35138174891471863},{"text":"So we're looking at your current contributions at the top there, and, essentially, this is how it'll work the pension analysis.","start":1234.495,"end":1240.0349,"sentiment":"neutral","sentiment_score":0.1494622759166218},{"text":"So we start off with a source of funds of $2.42 $3.05 6 and 11¢.","start":1240.17,"end":1245.2301,"sentiment":"neutral","sentiment_score":0.06693896757704872},{"text":"We'll roll a $152,004.00 6 into the pension phase account, and we'll leave about 85,000 behind in the accumulation phase.","start":1245.6901,"end":1254.375,"sentiment":"neutral","sentiment_score":0.03670452740043402},{"text":"And then we've also got the drawdown, the TTR pension income amount.","start":1255.095,"end":1259.115,"sentiment":"neutral","sentiment_score":0.03524435653040806}],"sentiment":"neutral","sentiment_score":0.08212143993552994,"num_words":69,"start":1233.615,"end":1259.115},{"sentences":[{"text":"The table underneath that shows your current position versus what we're recommended, so you can essentially see the difference and how we keep your take home paying net about the same amount there.","start":1259.335,"end":1268.715,"sentiment":"neutral","sentiment_score":0.1431597550258492},{"text":"So we've worked out your salary based on what you've been earning and averaged it out to see what we're expecting you would get.","start":1268.84,"end":1275.08,"sentiment":"neutral","sentiment_score":0.16556792768339315},{"text":"And then we've also looked at your current contributions to salary sacrifice because you're currently making some salary sacrifice contributions in there.","start":1275.08,"end":1281.98,"sentiment":"neutral","sentiment_score":0.049899690530516884},{"text":"So we essentially increase that so that over the course of the twelve months, you put in an extra 14,300 total, and that reduces your take home or your taxable income.","start":1282.12,"end":1293.1749,"sentiment":"neutral","sentiment_score":0.09667485237361924},{"text":"So at the moment, it's reduced to about a 103,000, whereas after this increase in the contributions, reduces it back to 94,000.","start":1293.3949,"end":1301.01,"sentiment":"neutral","sentiment_score":0.04236536083573645}],"sentiment":"neutral","sentiment_score":0.1039746494991987,"num_words":132,"start":1259.335,"end":1301.01},{"sentences":[{"text":"You've got your amount of tax.","start":1301.79,"end":1304.03,"sentiment":"neutral","sentiment_score":-0.05474755478401979},{"text":"Obviously, the tax at the moment is higher than what you would have by increasing your contributions in the super, and then you've got your net take home pay.","start":1304.03,"end":1311.745,"sentiment":"neutral","sentiment_score":-0.07001982699951222},{"text":"So at the moment, your salary minus the contributions going in minus the tax leaves you with about 79,342.","start":1311.745,"end":1320.9651,"sentiment":"neutral","sentiment_score":-0.022084485739469528},{"text":"Because with with the increase in the contributions in, it actually reduces your net income back to about 73,154.","start":1321.265,"end":1329.38,"sentiment":"neutral","sentiment_score":0.10485012535201876},{"text":"So we wanna replenish that back to that $79,003.04 2.","start":1329.38,"end":1333.46,"sentiment":"neutral","sentiment_score":0.10642115548253059}],"sentiment":"neutral","sentiment_score":0.003345763804503234,"num_words":83,"start":1301.79,"end":1333.46},{"sentences":[{"text":"So in order to do that, we only have to draw out $6,188 on a yearly basis.","start":1333.46,"end":1339.64,"sentiment":"neutral","sentiment_score":0.08736265428802546},{"text":"That's about $238 on a fortnightly basis.","start":1340.155,"end":1343.455,"sentiment":"neutral","sentiment_score":0.12584269153220312},{"text":"And then that brings your net take home pay back to that $79,003.42.","start":1343.835,"end":1348.635,"sentiment":"neutral","sentiment_score":0.13077792840508315},{"text":"So it's essentially starting with your income now, looking at what you're putting in now, increasing the contributions up to the cap, we're maximizing what we're putting in the super.","start":1348.635,"end":1358.7101,"sentiment":"neutral","sentiment_score":0.23868724952141443},{"text":"And then because of the way tax works, we don't have to draw as much out to replenish your income, and it keeps your take home pay about the same there.","start":1358.93,"end":1366.8501,"sentiment":"neutral","sentiment_score":0.1387364532678358}],"sentiment":"neutral","sentiment_score":0.15844514867176815,"num_words":98,"start":1333.46,"end":1366.8501},{"sentences":[{"text":"Does that make sense?","start":1366.8501,"end":1367.99,"sentiment":"neutral","sentiment_score":0.07227305695414543},{"text":"Yep.","start":1369.285,"end":1369.685,"sentiment":"neutral","sentiment_score":0.2979176342487335},{"text":"Beautiful.","start":1369.685,"end":1370.185,"sentiment":"positive","sentiment_score":0.7251138687133789},{"text":"It's kinda cool the way it works.","start":1370.245,"end":1371.9451,"sentiment":"positive","sentiment_score":0.6891812341553825},{"text":"I'll let you sorta have a bit more of a look at that later.","start":1375.605,"end":1377.8451,"sentiment":"neutral","sentiment_score":0.09961394912430219}],"sentiment":"neutral","sentiment_score":0.2789254688002445,"num_words":27,"start":1366.8501,"end":1377.8451},{"sentences":[{"text":"I know it can be a little bit fun with me talking in your ear.","start":1377.8451,"end":1380.805,"sentiment":"neutral","sentiment_score":0.11724558571974436},{"text":"It takes a bit to go back and just sorta have a look at that, but let me know again if you do have any questions there.","start":1380.805,"end":1385.58,"sentiment":"neutral","sentiment_score":0.11354478834955781},{"text":"Is there any questions coming to mind at the moment at all?","start":1385.58,"end":1388.48,"sentiment":"neutral","sentiment_score":0.05968731455504894},{"text":"Nope.","start":1389.6599,"end":1390.1599,"sentiment":"neutral","sentiment_score":-0.11518460512161256},{"text":"It is.","start":1392.0599,"end":1393.0399,"sentiment":"neutral","sentiment_score":-0.0251940730959177}],"sentiment":"neutral","sentiment_score":0.09429944025581344,"num_words":57,"start":1377.8451,"end":1393.0399},{"sentences":[{"text":"Absolutely.","start":1395.2599,"end":1395.7599,"sentiment":"neutral","sentiment_score":0.0643502026796341},{"text":"Yeah.","start":1396.605,"end":1397.105,"sentiment":"neutral","sentiment_score":0.009357582777738571},{"text":"Absolutely.","start":1399.325,"end":1399.825,"sentiment":"positive","sentiment_score":0.6701153516769409},{"text":"As I sort of mentioned before, we do have the strategy written out above for you, and you'll be able to go through those individually.","start":1400.765,"end":1406.945,"sentiment":"positive","sentiment_score":0.396572168469429},{"text":"We put these tables in here to kinda give you a guide and show you the numbers and how it all kind of works so it's a bit of a visual.","start":1407.725,"end":1413.72,"sentiment":"positive","sentiment_score":0.3448513203090237}],"sentiment":"positive","sentiment_score":0.36183929285508093,"num_words":59,"start":1395.2599,"end":1413.72},{"sentences":[{"text":"But above, you'll also see as you're going through the strategies and reading through the document, we've got the advantages, the disadvantages, and the risks involved.","start":1414.1799,"end":1421.08,"sentiment":"neutral","sentiment_score":0.2053057495952369},{"text":"We've also got alternatives that we've considered there as well, and we also have a best interest duty statement.","start":1421.38,"end":1426.5,"sentiment":"neutral","sentiment_score":0.2740928522850338},{"text":"So one of the things is making sure that the recommendations are there to meet your goals.","start":1426.5,"end":1431.155,"sentiment":"positive","sentiment_score":0.4531127442331875},{"text":"Essentially, I can say that these recommendations are in your best interest because Hub twenty four, when we look at the changeover, is actually saving you in fees from where you are at the moment.","start":1431.4551,"end":1441.395,"sentiment":"positive","sentiment_score":0.4633262923785618},{"text":"You're wanting to sort of look at retiring in your late sixties.","start":1441.9,"end":1444.54,"sentiment":"positive","sentiment_score":0.35873330011963844}],"sentiment":"positive","sentiment_score":0.3556866988031313,"num_words":109,"start":1414.1799,"end":1444.54},{"sentences":[{"text":"We talked about age 67 when you're able to also access the age pension there as well.","start":1444.54,"end":1449.82,"sentiment":"neutral","sentiment_score":0.26656342867542715},{"text":"So moving into more of a balanced portfolio with invest interest because we're reducing the risk level you're taking.","start":1449.82,"end":1455.82,"sentiment":"neutral","sentiment_score":0.3300248266834962},{"text":"There is a lot of volatility out there in the market at the moment, so reducing your risk level now is really good and important for helping to do that.","start":1455.82,"end":1463.6349,"sentiment":"neutral","sentiment_score":0.26577106962601343},{"text":"The recommendations of making putting more into super to have it invested is in your best interest because we're putting more in there, keeping it invested and compounding now as opposed to doing it down the track has a greater advantage for you.","start":1464.735,"end":1476.8201,"sentiment":"positive","sentiment_score":0.5486676214739333},{"text":"And being able to draw a little bit out and utilize this TTR strategy means that we're able to keep your take home pay relatively the same as well.","start":1477.92,"end":1484.5651,"sentiment":"positive","sentiment_score":0.5537492776739186}],"sentiment":"positive","sentiment_score":0.42338129608095554,"num_words":138,"start":1444.54,"end":1484.5651},{"sentences":[{"text":"And that's really important because you've got a lot of expenditure.","start":1484.5651,"end":1487.145,"sentiment":"neutral","sentiment_score":0.18833271278576416},{"text":"Life is expensive.","start":1487.365,"end":1488.265,"sentiment":"neutral","sentiment_score":-0.32285698254903156},{"text":"We all know that.","start":1488.325,"end":1489.525,"sentiment":"neutral","sentiment_score":-0.199763935059309},{"text":"At the moment, we're probably spending more on fuel than we are on groceries.","start":1489.525,"end":1492.585,"sentiment":"neutral","sentiment_score":-0.1613860630563327},{"text":"So that's it.","start":1494.085,"end":1497.74,"sentiment":"neutral","sentiment_score":-0.06818307439486186}],"sentiment":"neutral","sentiment_score":-0.06171202723469053,"num_words":35,"start":1484.5651,"end":1497.74},{"sentences":[{"text":"So life is extremely expensive out there, so we don't wanna negatively impact your income very much.","start":1497.7999,"end":1502.9199,"sentiment":"neutral","sentiment_score":-0.26587497399133797},{"text":"You've also got your investment property, which you're is negatively geared and you're putting money towards as well.","start":1502.9199,"end":1507.72,"sentiment":"negative","sentiment_score":-0.3683757873045074},{"text":"So it's really important that those are the factors that are taken into consideration.","start":1507.72,"end":1511.415,"sentiment":"neutral","sentiment_score":-0.1626446938940457},{"text":"Okay.","start":1511.715,"end":1512.215,"sentiment":"neutral","sentiment_score":0.06510835140943527},{"text":"Beautiful.","start":1513.875,"end":1514.375,"sentiment":"positive","sentiment_score":0.4663337171077728}],"sentiment":"neutral","sentiment_score":-0.25286710539869234,"num_words":51,"start":1497.7999,"end":1514.375},{"sentences":[{"text":"So that's essentially the recommendations with the super there.","start":1515.235,"end":1517.795,"sentiment":"neutral","sentiment_score":0.2709861993789673},{"text":"We're gonna move you out of ART, move you into hub 24.","start":1517.795,"end":1520.915,"sentiment":"neutral","sentiment_score":0.1550660952925682},{"text":"We start off in accumulation.","start":1520.915,"end":1522.135,"sentiment":"neutral","sentiment_score":0.09922864437103271},{"text":"We have the funds invested for you.","start":1522.53,"end":1524.7101,"sentiment":"neutral","sentiment_score":0.18963063188961574},{"text":"I've explained the fees, and you're welcome to come back and ask any additional questions.","start":1524.93,"end":1528.55,"sentiment":"neutral","sentiment_score":0.31640152136484784}],"sentiment":"neutral","sentiment_score":0.2264426959057649,"num_words":48,"start":1515.235,"end":1528.55},{"sentences":[{"text":"With the upfront implementation fee, that's a one off only fee.","start":1529.01,"end":1532.2101,"sentiment":"neutral","sentiment_score":0.21610027958046307},{"text":"We don't charge that per advice documents.","start":1532.2101,"end":1534.29,"sentiment":"neutral","sentiment_score":0.20129886163132532},{"text":"You pay it for once when you're onboarding, and then we never charge that again.","start":1534.29,"end":1538.23,"sentiment":"neutral","sentiment_score":0.19951195369164149},{"text":"The ongoing service fee allows us to continue providing advice by looking and monitoring your super fund, the investments, making alterations, and updating advice moving forward as well, and that's all included in the in that ongoing service fee.","start":1538.745,"end":1551.705,"sentiment":"neutral","sentiment_score":0.29843960243922013},{"text":"Okay?","start":1551.705,"end":1552.205,"sentiment":"neutral","sentiment_score":0.09269937872886658}],"sentiment":"neutral","sentiment_score":0.25357148337037594,"num_words":73,"start":1529.01,"end":1552.205},{"sentences":[{"text":"Beautiful.","start":1553.96,"end":1554.46,"sentiment":"positive","sentiment_score":0.5256937742233276},{"text":"Once we have that super fund open, the funds are nicely invested for you, then we open up the TTR pension account.","start":1555.6399,"end":1562.7599,"sentiment":"positive","sentiment_score":0.35806311531500384},{"text":"We'll roll the one fifty two four zero six into the pension account.","start":1562.7599,"end":1566.46,"sentiment":"neutral","sentiment_score":0.20181128611931434},{"text":"We'll let you know when the first drawdown is expected to happen.","start":1567.065,"end":1570.125,"sentiment":"neutral","sentiment_score":0.18610729773839316},{"text":"And then once that first drawdown has been made, then we'll get you to increase your contributions up into super.","start":1570.345,"end":1576.125,"sentiment":"neutral","sentiment_score":0.19388644471764566}],"sentiment":"neutral","sentiment_score":0.25202419849879604,"num_words":68,"start":1553.96,"end":1576.125},{"sentences":[{"text":"That way, you've got the first it's really important.","start":1576.265,"end":1578.345,"sentiment":"neutral","sentiment_score":0.2665705465608173},{"text":"I like to do it this way because if you just increase your contributions into super, you take home pay and your expenditure is reduced pretty significantly.","start":1578.345,"end":1585.88,"sentiment":"positive","sentiment_score":0.3364613867468304},{"text":"So I like to make sure you get your first payment into your account first.","start":1586.1799,"end":1590.26,"sentiment":"neutral","sentiment_score":0.23081446091334026},{"text":"It fixes up your you know, it it basically gives you a little bit of income first, then we increase your contributions back, and it has more of a a lesser effect on your expenditure to make it easier on you.","start":1590.26,"end":1602.355,"sentiment":"neutral","sentiment_score":0.32970298426907235},{"text":"Okay?","start":1602.355,"end":1602.855,"sentiment":"neutral","sentiment_score":0.10038843750953674}],"sentiment":"neutral","sentiment_score":0.30714000072530523,"num_words":93,"start":1576.265,"end":1602.855},{"sentences":[{"text":"Beautiful.","start":1604.195,"end":1604.695,"sentiment":"positive","sentiment_score":0.43885278701782227},{"text":"The to show you essentially what the portfolio looks like, if you can have a look at page number 30 for me, this is the recommended portfolio.","start":1606.275,"end":1615.23,"sentiment":"neutral","sentiment_score":0.23608624769581688},{"text":"The page after is essentially the pension account.","start":1615.53,"end":1617.93,"sentiment":"neutral","sentiment_score":0.14467054046690464},{"text":"They're exactly the same across both of them.","start":1617.93,"end":1620.41,"sentiment":"neutral","sentiment_score":0.22114764526486397},{"text":"We just like to note down as how how much should be invested between the two different accounts so you can sort of see what to expect there.","start":1620.41,"end":1627.7849,"sentiment":"neutral","sentiment_score":0.21808177498834475}],"sentiment":"neutral","sentiment_score":0.22008356472684276,"num_words":72,"start":1604.195,"end":1627.7849},{"sentences":[{"text":"Okay.","start":1627.9249,"end":1628.4249,"sentiment":"neutral","sentiment_score":0.05152785778045654},{"text":"With the portfolio being a more of a balanced portfolio, you'll see at the top there, you've got your balance pool within ART.","start":1629.845,"end":1635.625,"sentiment":"neutral","sentiment_score":0.21469040344590726},{"text":"We're essentially rolling all of that out and investing the funds as per the lows.","start":1635.7649,"end":1640.5,"sentiment":"neutral","sentiment_score":0.2576444923877716},{"text":"So this investment portfolio would save some funds in the cybersecurity area.","start":1640.5,"end":1644.6,"sentiment":"neutral","sentiment_score":0.28997285291552544},{"text":"We also have some European exposure there, some S and P 500, which is the top 500 companies in The US.","start":1645.1399,"end":1651.72,"sentiment":"neutral","sentiment_score":0.07870994526005927}],"sentiment":"neutral","sentiment_score":0.19425913344861734,"num_words":72,"start":1627.9249,"end":1651.72},{"sentences":[{"text":"And there's a lot of volatility in the market at the moment.","start":1652.205,"end":1654.605,"sentiment":"neutral","sentiment_score":-0.20362743083387613},{"text":"There has been a bit of concern around those sorts of areas.","start":1654.605,"end":1657.265,"sentiment":"neutral","sentiment_score":-0.19835514575242996},{"text":"But long term, those investment areas and countries still have great long term growth, so we can definitely still see us investing in those areas.","start":1657.645,"end":1666.625,"sentiment":"neutral","sentiment_score":0.3251910191774368},{"text":"Okay?","start":1666.9249,"end":1667.4249,"sentiment":"neutral","sentiment_score":0.08323656767606735},{"text":"We have the Rafi a 200, which is the QoS one there, and that's giving you exposure to mid and low cap come sorry.","start":1668.58,"end":1676.26,"sentiment":"neutral","sentiment_score":0.11403435065100591}],"sentiment":"neutral","sentiment_score":0.08278439923919537,"num_words":74,"start":1652.205,"end":1676.26},{"sentences":[{"text":"Mid and small cap companies on the AFX are giving you some Australian exposure, which is really important to have as well.","start":1676.26,"end":1682.625,"sentiment":"neutral","sentiment_score":0.1589974950660359},{"text":"And we also have the BetaShares a 200, which is giving you exposure to the top 200 companies on the ASX.","start":1682.705,"end":1688.965,"sentiment":"neutral","sentiment_score":0.11995102784463338},{"text":"So one of the things I do like to point out with the a 200 and the S and P 500, whilst we understand that companies don't always fit that measure and that we do see a bit of volatility here, one of the things I like about those two investments particularly is that you are always invested in the top 500 with the S and P 500 or with the beta shares one of the top 200 companies in Australia.","start":1689.585,"end":1712.28,"sentiment":"neutral","sentiment_score":0.13070854887274314},{"text":"Both of those investments follow or track an index, and they're all passively managed.","start":1712.775,"end":1717.0951,"sentiment":"neutral","sentiment_score":0.23082632358585084},{"text":"So one of the good things is that the index meets every sort of quarter, and if companies don't meet the criteria to be in the top 500 or the top 200, then they are removed from that index, which means they're then removed from these investments, and other investments are moved or companies are moved in to replace them.","start":1717.0951,"end":1734.87,"sentiment":"neutral","sentiment_score":0.15384746774410207}],"sentiment":"neutral","sentiment_score":0.14680164408954707,"num_words":198,"start":1676.26,"end":1734.87},{"sentences":[{"text":"So you are always invested in the top 500 companies in The US or the top 200 companies in the Australian index.","start":1734.87,"end":1741.495,"sentiment":"neutral","sentiment_score":0.15127540955489333},{"text":"So Yeah.","start":1741.495,"end":1742.795,"sentiment":"neutral","sentiment_score":0.1668882742524147},{"text":"It's really good.","start":1743.015,"end":1743.655,"sentiment":"positive","sentiment_score":0.5608757138252258},{"text":"It means that, essentially, when companies don't fit the criteria, they are removed.","start":1743.655,"end":1747.435,"sentiment":"neutral","sentiment_score":0.07253201964956063},{"text":"So you're not sitting in companies that are going down or going bust or anything like that.","start":1747.5751,"end":1752.295,"sentiment":"neutral","sentiment_score":-0.10592096057884834}],"sentiment":"neutral","sentiment_score":0.07871443203143906,"num_words":57,"start":1734.87,"end":1752.295},{"sentences":[{"text":"Okay?","start":1752.295,"end":1752.795,"sentiment":"neutral","sentiment_score":0.010082121007144451},{"text":"Beautiful.","start":1754.07,"end":1754.57,"sentiment":"positive","sentiment_score":0.6421821117401123},{"text":"We also have some physical gold.","start":1755.19,"end":1757.03,"sentiment":"neutral","sentiment_score":0.29122425119082135},{"text":"So growth is gold is a growth investment.","start":1757.03,"end":1759.37,"sentiment":"neutral","sentiment_score":0.293296879157424},{"text":"However, it does tend to act defensively.","start":1759.4299,"end":1761.37,"sentiment":"neutral","sentiment_score":0.1741332028593336}],"sentiment":"neutral","sentiment_score":0.2593442257898657,"num_words":23,"start":1752.295,"end":1761.37},{"sentences":[{"text":"I know over the last year, gold has gone up a huge amount.","start":1761.83,"end":1765.51,"sentiment":"positive","sentiment_score":0.4779352889611171},{"text":"It's been over 30% increase, which is great.","start":1765.51,"end":1768.305,"sentiment":"positive","sentiment_score":0.7007941603660583},{"text":"We all love a bit of gold, and I definitely do, to have where as well as invest in.","start":1768.785,"end":1774.405,"sentiment":"positive","sentiment_score":0.6718432040590989},{"text":"Gold essentially has seen great growth.","start":1775.1051,"end":1777.425,"sentiment":"positive","sentiment_score":0.6373588045438131},{"text":"We love it as a growth investment, but at times when markets are a bit volatile where shares aren't doing so well particularly, people like to move money into gold and use it as a bit of a safe haven.","start":1777.425,"end":1787.64,"sentiment":"positive","sentiment_score":0.4257964437827468}],"sentiment":"positive","sentiment_score":0.5283784127339374,"num_words":86,"start":1761.83,"end":1787.64},{"sentences":[{"text":"So it does act defensively, and we utilize it in your portfolio as an alternative for growth, also defensive in nature as well.","start":1787.64,"end":1796.12,"sentiment":"positive","sentiment_score":0.4387489958949711},{"text":"So we kinda use it both ways in the portfolio, which is really cool.","start":1796.12,"end":1799.5801,"sentiment":"positive","sentiment_score":0.5717435436589378},{"text":"Okay.","start":1799.755,"end":1800.255,"sentiment":"neutral","sentiment_score":0.12773531675338745},{"text":"Yeah.","start":1801.355,"end":1801.855,"sentiment":"neutral","sentiment_score":0.15415272116661072},{"text":"Having some global infrastructure, again, is really quite important.","start":1802.395,"end":1805.515,"sentiment":"neutral","sentiment_score":0.21673174699147543}],"sentiment":"positive","sentiment_score":0.42350229745109874,"num_words":48,"start":1787.64,"end":1805.515},{"sentences":[{"text":"So infrastructure is, like, things like property.","start":1805.515,"end":1808.1749,"sentiment":"neutral","sentiment_score":0.1739667398588998},{"text":"Having that globally means you're diversifying your portfolio because different countries react different ways when it comes to infrastructure and properties and things like that.","start":1809.115,"end":1818.1499,"sentiment":"neutral","sentiment_score":0.15468308418989182},{"text":"Australia and The US tend to move in or follow suit.","start":1818.45,"end":1821.35,"sentiment":"neutral","sentiment_score":0.0788944499059157},{"text":"However, other countries like Japan tend to not follow the same way.","start":1821.4099,"end":1825.25,"sentiment":"neutral","sentiment_score":0.020762259761492412},{"text":"So diversifying your portfolio and having global exposure as well as The US and Australia is good for helping to lower your overall risk of the portfolio.","start":1825.25,"end":1833.235,"sentiment":"neutral","sentiment_score":0.30217472049925065}],"sentiment":"neutral","sentiment_score":0.17512863174807736,"num_words":82,"start":1805.515,"end":1833.235},{"sentences":[{"text":"Okay?","start":1833.775,"end":1834.275,"sentiment":"neutral","sentiment_score":0.1218009889125824},{"text":"And then because sorry.","start":1836.015,"end":1837.375,"sentiment":"neutral","sentiment_score":0.1363551877439022},{"text":"This is also lowering the risk.","start":1837.375,"end":1839.055,"sentiment":"neutral","sentiment_score":0.1956582839290301},{"text":"We wanna have some defensible lower risk investment options, things like cash, bonds, and fixed interest.","start":1839.055,"end":1844.04,"sentiment":"neutral","sentiment_score":0.18250501854345202},{"text":"And those are the last three ones here.","start":1844.28,"end":1846.36,"sentiment":"neutral","sentiment_score":0.15341980662196875}],"sentiment":"neutral","sentiment_score":0.17110314837523868,"num_words":35,"start":1833.775,"end":1846.36},{"sentences":[{"text":"So core composite bonds, high interest cash, and then also a yield.","start":1846.36,"end":1851.1001,"sentiment":"neutral","sentiment_score":0.15600515715777874},{"text":"So high yield or high income producing investments and things like that.","start":1851.16,"end":1854.8401,"sentiment":"neutral","sentiment_score":0.24110950902104378},{"text":"And these three are seen as very much defensive investments.","start":1854.8401,"end":1857.5801,"sentiment":"neutral","sentiment_score":0.19668425172567366},{"text":"They are expected to get a lower rate of return, but defensive investments like cash bonds and fixed interest, when equities generally don't do so well, these sorts of investments tend to do do perform better.","start":1857.975,"end":1869.835,"sentiment":"neutral","sentiment_score":0.10510173636592096},{"text":"People tend to move money out of the market or out of high risk investments when markets are a little bit volatile and tend to put things in your safe haven areas like cash, bonds, fixed interest, and a bit of gold as well.","start":1869.975,"end":1881.47,"sentiment":"neutral","sentiment_score":0.09217199225994674}],"sentiment":"neutral","sentiment_score":0.1278197252632756,"num_words":114,"start":1846.36,"end":1881.47},{"sentences":[{"text":"So having these sorts of things helps to lower the overall risk of of your portfolio and helps to smooth out long term market fluctuations as well.","start":1881.47,"end":1892.135,"sentiment":"positive","sentiment_score":0.47985012111840425},{"text":"Okay?","start":1892.135,"end":1892.535,"sentiment":"neutral","sentiment_score":0.2594635486602783},{"text":"Beautiful.","start":1892.535,"end":1893.035,"sentiment":"positive","sentiment_score":0.5560619831085205},{"text":"Underneath that, you'll see the cash account there now where every super fund does have to hold a certain amount of minimal cash, and this one has to hold have 24 has to hold 1.25%.","start":1893.8151,"end":1904.3151,"sentiment":"neutral","sentiment_score":0.14328463311706272},{"text":"So it'd be about $1,062 within the super fund there.","start":1904.375,"end":1908.3,"sentiment":"neutral","sentiment_score":0.16528837382793427}],"sentiment":"neutral","sentiment_score":0.27620709053165204,"num_words":74,"start":1881.47,"end":1908.3},{"sentences":[{"text":"In the pension account, it'd be about 1,905, and that's so they don't have to be buying and selling investments all the time in order to pay things like administration fees, investment fees, and adviser fees, and things like that.","start":1908.36,"end":1920.995,"sentiment":"neutral","sentiment_score":0.11272472385317087},{"text":"So they have to hold a small amount of cash percentage for you.","start":1920.995,"end":1924.375,"sentiment":"neutral","sentiment_score":0.12112274937904798},{"text":"Okay?","start":1924.595,"end":1925.095,"sentiment":"neutral","sentiment_score":0.06035745143890381},{"text":"Beautiful.","start":1926.515,"end":1927.015,"sentiment":"positive","sentiment_score":0.5476112365722656},{"text":"I try to keep that fairly brief of making sure I give you enough information.","start":1927.475,"end":1930.775,"sentiment":"neutral","sentiment_score":0.3173716763655345}],"sentiment":"neutral","sentiment_score":0.16360183613640922,"num_words":70,"start":1908.36,"end":1930.775},{"sentences":[{"text":"But do you have any questions about that area, about the investments particularly, or anything we've gone through so far?","start":1930.835,"end":1937.0801,"sentiment":"neutral","sentiment_score":-0.01699744360521436},{"text":"Is that okay at the moment?","start":1937.0801,"end":1938.54,"sentiment":"neutral","sentiment_score":-0.09659684884051482},{"text":"Yep.","start":1938.8401,"end":1939.3401,"sentiment":"neutral","sentiment_score":0.2204356789588928},{"text":"Beautiful.","start":1942.4401,"end":1942.9401,"sentiment":"positive","sentiment_score":0.5198119878768921},{"text":"If there is any questions that you have in relation to that, come back and let me know.","start":1943.56,"end":1947.24,"sentiment":"neutral","sentiment_score":0.13335499684843752}],"sentiment":"neutral","sentiment_score":0.04828494880348444,"num_words":46,"start":1930.835,"end":1947.24},{"sentences":[{"text":"There might be something that pops up down the track there.","start":1947.24,"end":1949.745,"sentiment":"neutral","sentiment_score":0.08393733338876204},{"text":"Okay?","start":1949.745,"end":1950.245,"sentiment":"neutral","sentiment_score":0.07614965736865997},{"text":"Beautiful.","start":1952.225,"end":1952.725,"sentiment":"positive","sentiment_score":0.4761334359645843},{"text":"Now to show you this sort of long term effect, I sort of mentioned before, we do limited scope in the retirement and the Centrelink aspect.","start":1953.985,"end":1961.31,"sentiment":"neutral","sentiment_score":0.05108199999309503},{"text":"So if you scroll down to page number 35 for me, this is just looking at the essentially, where we see the projected outcome to be.","start":1961.39,"end":1968.53,"sentiment":"neutral","sentiment_score":0.04281589718392262}],"sentiment":"neutral","sentiment_score":0.060260601341724396,"num_words":65,"start":1947.24,"end":1968.53},{"sentences":[{"text":"So by following the advice and looking at the projected outcome there, we've not included the investment property.","start":1968.75,"end":1974.235,"sentiment":"neutral","sentiment_score":-0.003981843797696963},{"text":"This is sort of being left out of this area for the time being until we work out down the track what you're wanting to do more with regard to that.","start":1974.235,"end":1981.0549,"sentiment":"neutral","sentiment_score":-0.044125264059872396},{"text":"But, essentially, by taking on the recommendations, we'll get the long term effect here.","start":1981.515,"end":1985.755,"sentiment":"neutral","sentiment_score":0.19690214496638095},{"text":"We can sort of show that.","start":1985.755,"end":1987.08,"sentiment":"neutral","sentiment_score":0.08864939957857132},{"text":"And having a look at everything, you should be eligible for some age pension as well, which will be really good in helping you to, you know, make sure your super is working harder for you.","start":1987.3999,"end":1995.98,"sentiment":"positive","sentiment_score":0.5070114119185342}],"sentiment":"neutral","sentiment_score":0.1914417226843181,"num_words":105,"start":1968.75,"end":1995.98},{"sentences":[{"text":"But, essentially, long term effect is when we get to the age of seven, we should be able to start to draw down the income out of super and also supplement that with a bit of age pension for you.","start":1996.6,"end":2006.205,"sentiment":"positive","sentiment_score":0.33983250744640825},{"text":"It actually shows you that the estimated amount you should be able to draw down or live on on a yearly basis is just over $1,000 on a weekly basis.","start":2006.445,"end":2014.605,"sentiment":"positive","sentiment_score":0.4388124744097392},{"text":"So it's about 53,308 projected target.","start":2014.605,"end":2018.13,"sentiment":"positive","sentiment_score":0.4685443043708801},{"text":"And that's essentially giving you longevity out of super, but also out of the age pension aspect for you.","start":2018.75,"end":2024.2699,"sentiment":"positive","sentiment_score":0.45527606026122447},{"text":"So looking at utilizing everything we possibly can, it does show that you're able to get a really good income estimate based on the recommendations.","start":2024.2699,"end":2032.3651,"sentiment":"positive","sentiment_score":0.4913876688480377}],"sentiment":"positive","sentiment_score":0.42086564352114997,"num_words":120,"start":1996.6,"end":2032.3651},{"sentences":[{"text":"Okay?","start":2033.545,"end":2034.045,"sentiment":"neutral","sentiment_score":0.0887664258480072},{"text":"It's so I have no idea what's going on there at the moment.","start":2038.8251,"end":2041.545,"sentiment":"negative","sentiment_score":-0.4386343933068789},{"text":"It just it all flips and changes continuously, isn't it?","start":2041.545,"end":2045.0901,"sentiment":"negative","sentiment_score":-0.3453768819570541},{"text":"Yeah.","start":2050.99,"end":2051.49,"sentiment":"neutral","sentiment_score":-0.21598878502845764},{"text":"Yep.","start":2051.6301,"end":2052.1301,"sentiment":"neutral","sentiment_score":-0.18217866122722623}],"sentiment":"negative","sentiment_score":-0.3640544981910632,"num_words":26,"start":2033.545,"end":2052.1301},{"sentences":[{"text":"I understand.","start":2052.43,"end":2053.09,"sentiment":"neutral","sentiment_score":-0.20550879836082458},{"text":"Yeah.","start":2053.55,"end":2054.05,"sentiment":"neutral","sentiment_score":-0.06694617867469788},{"text":"We'll we'll go with it and see what happens.","start":2054.35,"end":2056.61,"sentiment":"neutral","sentiment_score":-0.0449755752666129},{"text":"All good.","start":2059.305,"end":2060.045,"sentiment":"neutral","sentiment_score":0.20810018479824066},{"text":"That's essentially running through the majority of the recommendations there.","start":2060.425,"end":2063.465,"sentiment":"neutral","sentiment_score":0.05938992984592915}],"sentiment":"neutral","sentiment_score":0.005306488135829569,"num_words":24,"start":2052.43,"end":2063.465},{"sentences":[{"text":"The other one I did wanna go to is canceling your life and TBD.","start":2063.465,"end":2066.765,"sentiment":"neutral","sentiment_score":-0.18955249339342117},{"text":"So by rolling the funds into hub 24, you will notice on that fee table above there that we didn't have anything for the insurance premium.","start":2066.825,"end":2074.5999,"sentiment":"neutral","sentiment_score":-0.041017837392596096},{"text":"So as we kinda discussed, you've got a very small amount of life and TPD in your ART fund there at the moment, and you weren't sort of worried about it.","start":2074.66,"end":2083.38,"sentiment":"neutral","sentiment_score":-0.029906128683397846},{"text":"We talked about what you have, your level of cover you sort of need, and what happens in the event of passing away.","start":2083.38,"end":2089.945,"sentiment":"neutral","sentiment_score":-0.01885104697683583},{"text":"So that level of cover does decrease as you get closer to a age where ART will just cancel the policy.","start":2089.945,"end":2095.885,"sentiment":"neutral","sentiment_score":-0.049110262521675656}],"sentiment":"neutral","sentiment_score":-0.05314937619411427,"num_words":115,"start":2063.465,"end":2095.885},{"sentences":[{"text":"Because the only debt you have is the investment property.","start":2096.425,"end":2099.405,"sentiment":"neutral","sentiment_score":-0.03867374658584595},{"text":"I mean, if anything was to happen, the investment property could be sold.","start":2099.52,"end":2103.62,"sentiment":"neutral","sentiment_score":-0.015927529105773337},{"text":"The loan could be paid out.","start":2104.0,"end":2105.2,"sentiment":"neutral","sentiment_score":0.027852642660339672},{"text":"You've also got your super and your main primary residence there.","start":2105.2,"end":2108.16,"sentiment":"neutral","sentiment_score":0.05682436937720261},{"text":"So last time we spoke about it, you were happy to cancel that policy.","start":2108.16,"end":2112.02,"sentiment":"neutral","sentiment_score":-0.21390812311853682}],"sentiment":"neutral","sentiment_score":-0.051783799051514104,"num_words":54,"start":2096.425,"end":2112.02},{"sentences":[{"text":"So I am recommending we do cancel the cover.","start":2112.4749,"end":2114.895,"sentiment":"neutral","sentiment_score":-0.06816806313064364},{"text":"It is a very small amount of cover, and we put utilize the insurance premiums that you were paying for that.","start":2114.9548,"end":2120.4749,"sentiment":"neutral","sentiment_score":0.10236073711088725},{"text":"Keep it invested in your super and make sure we're we're making your super work a bit harder for you for your long term estate planning aspect.","start":2120.4749,"end":2128.015,"sentiment":"neutral","sentiment_score":0.180027907093366},{"text":"Okay?","start":2128.5,"end":2129.0,"sentiment":"neutral","sentiment_score":0.14072591066360474},{"text":"All good.","start":2130.82,"end":2131.64,"sentiment":"positive","sentiment_score":0.5596323311328888}],"sentiment":"neutral","sentiment_score":0.12761344959338505,"num_words":60,"start":2112.4749,"end":2131.64},{"sentences":[{"text":"The next thing to talk about is the the estate planning aspect side of things.","start":2132.34,"end":2136.74,"sentiment":"neutral","sentiment_score":0.10538424005111059},{"text":"So on page number 36, I've basically may also made a recommendation there in regard to your beneficiaries.","start":2136.74,"end":2142.6,"sentiment":"neutral","sentiment_score":0.098538046495782},{"text":"So by moving you out of this AARP fund and into HUB 24, we do have to make sure that beneficiaries are nominated to both the super and the trans and retirement pension account.","start":2142.9,"end":2152.325,"sentiment":"neutral","sentiment_score":0.13674082826165593},{"text":"So I'm recommending that we do a binding, non lapsing beneficiary, which means it binds the trustee to follow your direction, And non lapsing means that you'd only have to fill out one form.","start":2152.325,"end":2162.34,"sentiment":"neutral","sentiment_score":0.24109772943398533},{"text":"It stays on the account until you change or revoke that nomination, which is great.","start":2162.34,"end":2167.6199,"sentiment":"positive","sentiment_score":0.3374370902776718}],"sentiment":"neutral","sentiment_score":0.18329754959920358,"num_words":116,"start":2132.34,"end":2167.6199},{"sentences":[{"text":"You don't have to keep filling it out every couple of years.","start":2167.6199,"end":2170.1199,"sentiment":"neutral","sentiment_score":0.2810637491444747},{"text":"And we review that with you each year as we're doing reviews so we can help you to determine when something needs to change or when that nomination needs to be updated.","start":2170.74,"end":2178.7852,"sentiment":"neutral","sentiment_score":0.14417192549444735},{"text":"Okay?","start":2180.365,"end":2180.7651,"sentiment":"neutral","sentiment_score":0.089011549949646},{"text":"One of the things we discussed was making sure that in the event that something was to happen to you that through estate planning, you wanted everything to be paid out to your three sons Because they're non tax dependent, by having them nominated directly to your super means they can pay a bit of higher tax component.","start":2180.7651,"end":2197.11,"sentiment":"neutral","sentiment_score":0.08727858735826509},{"text":"So we are recommending it go to your legal personal representative.","start":2197.57,"end":2200.79,"sentiment":"neutral","sentiment_score":0.08848991786891763}],"sentiment":"neutral","sentiment_score":0.12377916946353619,"num_words":114,"start":2167.6199,"end":2200.79},{"sentences":[{"text":"This essentially means that we take the LPR on the beneficiary nomination.","start":2201.09,"end":2205.025,"sentiment":"neutral","sentiment_score":0.10627864270160596},{"text":"And in the event that you would have passed away prematurely, a claim is made against your super and your pension account, and it is all just transferred to your estate.","start":2205.1648,"end":2214.2249,"sentiment":"neutral","sentiment_score":0.007253184674247619},{"text":"And then we just need to make sure that you have a will updated to reflect that to make sure that everything in your will is directed to your three sons in whatever capacity you prefer, whether it be equally or whether you wanted certain things to go to certain children to make sure it was all, you know, distributed as per your wishes.","start":2214.4448,"end":2231.88,"sentiment":"neutral","sentiment_score":0.1091900504543446},{"text":"But having it done this way can be a much more tax effective way of doing it.","start":2232.4949,"end":2236.6748,"sentiment":"positive","sentiment_score":0.5891473030342775},{"text":"It can mean that your beneficiaries pay a little bit less tax on the benefit, which can also mean that the distribution can be a lot more fair for them as well.","start":2236.8948,"end":2245.9548,"sentiment":"positive","sentiment_score":0.6365154851227999}],"sentiment":"neutral","sentiment_score":0.24918176501225203,"num_words":156,"start":2201.09,"end":2245.9548},{"sentences":[{"text":"Okay?","start":2246.015,"end":2246.515,"sentiment":"neutral","sentiment_score":0.30130094289779663},{"text":"Beautiful.","start":2249.3398,"end":2249.8398,"sentiment":"positive","sentiment_score":0.674979031085968},{"text":"So that's the recommendation with the beneficiary nominations.","start":2250.46,"end":2253.28,"sentiment":"positive","sentiment_score":0.386367853730917},{"text":"We do it as a binding non lapsing nomination.","start":2253.5798,"end":2255.92,"sentiment":"neutral","sentiment_score":0.26990029712518054},{"text":"It stays on there.","start":2256.3,"end":2257.3398,"sentiment":"neutral","sentiment_score":0.2582515478134155}],"sentiment":"neutral","sentiment_score":0.32736224648745166,"num_words":23,"start":2246.015,"end":2257.3398},{"sentences":[{"text":"It still holds the trustee accountable, and LPR just means it goes to your estate.","start":2257.3398,"end":2262.16,"sentiment":"neutral","sentiment_score":0.29723941087722777},{"text":"And then within your will, you can have it set up that it gets done equally, or you can have trust set up.","start":2262.2751,"end":2267.075,"sentiment":"neutral","sentiment_score":0.20688279815342114},{"text":"You can you have a lot more control around how you have the benefit paid out to this to your threesomes there.","start":2267.075,"end":2272.935,"sentiment":"neutral","sentiment_score":0.32781780578873376},{"text":"Okay.","start":2273.075,"end":2273.575,"sentiment":"neutral","sentiment_score":0.2384691834449768},{"text":"Perfect.","start":2274.195,"end":2274.695,"sentiment":"positive","sentiment_score":0.539113461971283}],"sentiment":"neutral","sentiment_score":0.27752370795895975,"num_words":62,"start":2257.3398,"end":2274.695},{"sentences":[{"text":"I have also made a recommendation in here that we do make sure that your will is appropriate and that you do have it reviewed by a solicitor to make sure that it is fitting to your wishes and that it do get updated so often.","start":2275.89,"end":2287.51,"sentiment":"positive","sentiment_score":0.36166923072027124},{"text":"I think a lot of people say to me that they have it set in place and it doesn't need to be updated, but your lot definitely changes, and your assets do change.","start":2287.625,"end":2295.545,"sentiment":"neutral","sentiment_score":0.11297197978604924},{"text":"And sometimes what we wanna give to our kids or how we want things to be directed to our kids can also change.","start":2295.545,"end":2300.585,"sentiment":"neutral","sentiment_score":0.0902386604119902},{"text":"So it is really important to have a solicitor review the will and probably even, you know, type up a new one for you just to make sure it is reflective of your wishes correctly and accurately.","start":2300.585,"end":2311.82,"sentiment":"neutral","sentiment_score":0.22300347867044243},{"text":"And part of the estate planning that's really important as well is the power of attorney aspect.","start":2312.84,"end":2317.555,"sentiment":"neutral","sentiment_score":0.18951626384959502}],"sentiment":"neutral","sentiment_score":0.21739265597306,"num_words":156,"start":2275.89,"end":2317.555},{"sentences":[{"text":"So one of the things we do see quite a lot here is where someone's had an accident or might be in hospital, might even just be overseas and they can't sort of talk to us.","start":2317.6948,"end":2325.855,"sentiment":"neutral","sentiment_score":0.06144175730231735},{"text":"And having a power of attorney allows you to nominate someone that you feel is trustworthy enough to make financial and or medical decisions on your behalf, if in the event that you're unable to make those decisions there.","start":2325.855,"end":2338.43,"sentiment":"neutral","sentiment_score":0.16061649070336267},{"text":"So making sure as listed, it draws up a power of attorney as well as having a will is really important.","start":2338.43,"end":2344.21,"sentiment":"neutral","sentiment_score":0.2160360043247541},{"text":"And if you need to, we can always just say you through to one of our local solicitors.","start":2344.865,"end":2348.805,"sentiment":"neutral","sentiment_score":0.11369020781583256},{"text":"I can even just email you the details and the costing of the solicitors that we refer clients through to just to kinda have that conversation and give you some information to review there as well.","start":2348.9448,"end":2359.6848,"sentiment":"neutral","sentiment_score":0.27419495210051537}],"sentiment":"neutral","sentiment_score":0.16620096338291962,"num_words":150,"start":2317.6948,"end":2359.6848},{"sentences":[{"text":"Okay.","start":2360.04,"end":2360.54,"sentiment":"neutral","sentiment_score":0.13268893957138062},{"text":"Yep.","start":2361.0,"end":2361.5,"sentiment":"neutral","sentiment_score":0.2389765828847885},{"text":"Perfect.","start":2362.36,"end":2362.86,"sentiment":"positive","sentiment_score":0.6898667812347412},{"text":"That's essentially running through all the recommendations there.","start":2363.8,"end":2366.6,"sentiment":"positive","sentiment_score":0.4052964970469475},{"text":"I know it's a lot, and I'm just so sorry.","start":2366.6,"end":2368.9202,"sentiment":"neutral","sentiment_score":-0.030180319771170618}],"sentiment":"neutral","sentiment_score":0.19057624201689446,"num_words":21,"start":2360.04,"end":2368.9202},{"sentences":[{"text":"It's a lot to take in.","start":2368.9202,"end":2370.3,"sentiment":"neutral","sentiment_score":-0.1444941150645415},{"text":"You're welcome, as I said, to go back, have a really good read of everything.","start":2370.84,"end":2374.12,"sentiment":"positive","sentiment_score":0.5922987898190816},{"text":"I'll send you an email contact, and you can always come back and ask me any questions.","start":2374.12,"end":2381.6948,"sentiment":"neutral","sentiment_score":0.3013292892890818},{"text":"There's no such thing as a silly question.","start":2381.6948,"end":2383.6948,"sentiment":"neutral","sentiment_score":-0.08718389458954334},{"text":"If it's on your mind and you want an answer to it, you send me an email, and I'll make sure I reply to that one for you.","start":2383.6948,"end":2389.2148,"sentiment":"neutral","sentiment_score":0.10048555582761765}],"sentiment":"neutral","sentiment_score":0.20616539839554476,"num_words":74,"start":2368.9202,"end":2389.2148},{"sentences":[{"text":"Okay?","start":2389.2148,"end":2389.7148,"sentiment":"neutral","sentiment_score":0.09522299468517303},{"text":"Yeah.","start":2390.9001,"end":2391.3801,"sentiment":"positive","sentiment_score":0.35578471422195435},{"text":"Beautiful.","start":2391.3801,"end":2391.8801,"sentiment":"positive","sentiment_score":0.5708280205726624},{"text":"Down on the remuneration section on page number 48, you'll see the remuneration side of things.","start":2392.98,"end":2398.52,"sentiment":"neutral","sentiment_score":0.20130453957244754},{"text":"As I mentioned, that on the sorry.","start":2399.78,"end":2401.7002,"sentiment":"neutral","sentiment_score":0.12897085079124995}],"sentiment":"neutral","sentiment_score":0.19790401223760384,"num_words":26,"start":2389.2148,"end":2401.7002},{"sentences":[{"text":"Ongoing service fee is being reduced to 1.1 for you.","start":2401.7002,"end":2404.98,"sentiment":"neutral","sentiment_score":0.18618929758667946},{"text":"That stays that way.","start":2404.98,"end":2406.545,"sentiment":"neutral","sentiment_score":0.22347844764590263},{"text":"And then we've also got the the 3.3, which is the upfront implementation fee.","start":2406.545,"end":2411.345,"sentiment":"neutral","sentiment_score":0.14202613915715898},{"text":"It's only ever done on the first advice document, and we don't charge that ever again to any other advice that we provide.","start":2411.345,"end":2417.845,"sentiment":"neutral","sentiment_score":0.10190686988441841},{"text":"Okay.","start":2418.305,"end":2418.805,"sentiment":"neutral","sentiment_score":0.1698172092437744}],"sentiment":"neutral","sentiment_score":0.13957399867761594,"num_words":52,"start":2401.7002,"end":2418.805},{"sentences":[{"text":"Beautiful.","start":2419.97,"end":2420.47,"sentiment":"positive","sentiment_score":0.462156355381012},{"text":"Is there any questions that you might have at the moment at all or anything that's popped up recently?","start":2421.0898,"end":2426.15,"sentiment":"neutral","sentiment_score":0.08928516036585758},{"text":"No?","start":2426.3699,"end":2426.8699,"sentiment":"neutral","sentiment_score":-0.116278737783432},{"text":"That's okay.","start":2428.69,"end":2429.5898,"sentiment":"neutral","sentiment_score":-0.029218764975667},{"text":"I've also got on page 50 just a bit of an outline there for you on how the implementation works.","start":2429.8098,"end":2434.605,"sentiment":"neutral","sentiment_score":0.10047564841806889}],"sentiment":"neutral","sentiment_score":0.09286909541764925,"num_words":43,"start":2419.97,"end":2434.605},{"sentences":[{"text":"So we start by rolling opening up your hub twenty four, rolling the funds out of ARC.","start":2434.685,"end":2438.705,"sentiment":"neutral","sentiment_score":0.07357441502458908},{"text":"That cancels the insurances all at once there for you.","start":2438.765,"end":2441.7449,"sentiment":"neutral","sentiment_score":0.09987582750618458},{"text":"Once that's opened and and the funds are invested, then we'll open your TTR pension account.","start":2442.125,"end":2448.705,"sentiment":"neutral","sentiment_score":0.13273511081933975},{"text":"The one of the best things about opening up with Hub twenty four is our in space you transfer the investments across, so it's nice and easy to open up the pension account for you.","start":2449.41,"end":2457.19,"sentiment":"positive","sentiment_score":0.4070857733488083},{"text":"We'll get the first drawdown figure set up and let you know when that's expected.","start":2457.5698,"end":2462.095,"sentiment":"neutral","sentiment_score":0.09097342416644097}],"sentiment":"neutral","sentiment_score":0.2149020272397226,"num_words":93,"start":2434.685,"end":2462.095},{"sentences":[{"text":"Our team can then give you the salary sacrifice letter to pass to your employer to increase your contributions there.","start":2462.315,"end":2468.095,"sentiment":"neutral","sentiment_score":0.14489962682127952},{"text":"And then after we've got that sort of working for you, we'll get your beneficiary nominations set up.","start":2468.3948,"end":2473.035,"sentiment":"neutral","sentiment_score":0.19923744350671768},{"text":"Our team can help to pre fill those to make it easier for you.","start":2473.035,"end":2476.17,"sentiment":"neutral","sentiment_score":0.259876233126436},{"text":"And then if you need to speak to a solicitor, we can always provide the referral and all the information there.","start":2476.25,"end":2481.79,"sentiment":"neutral","sentiment_score":0.1613465008281526},{"text":"And then we'll do regular reviews and catch ups.","start":2481.8499,"end":2483.8499,"sentiment":"neutral","sentiment_score":0.14779093282090294}],"sentiment":"neutral","sentiment_score":0.18098693531824323,"num_words":82,"start":2462.315,"end":2483.8499},{"sentences":[{"text":"We do a full review every twelve months, but we can do catch ups with you as often as you like to make sure that we're reviewing everything and keeping you in the loop and updating the advice as it needs to be updated and changed.","start":2483.8499,"end":2495.605,"sentiment":"neutral","sentiment_score":0.17684366958944694},{"text":"Okay.","start":2496.065,"end":2496.565,"sentiment":"neutral","sentiment_score":0.11782684177160264},{"text":"Yeah.","start":2497.4248,"end":2497.9248,"sentiment":"positive","sentiment_score":0.43893739581108093},{"text":"Beautiful.","start":2498.145,"end":2498.645,"sentiment":"positive","sentiment_score":0.7210206389427185},{"text":"I will that's basically everything I need to go through with you.","start":2500.545,"end":2503.92,"sentiment":"positive","sentiment_score":0.47489133725563687}],"sentiment":"neutral","sentiment_score":0.24772606106078038,"num_words":61,"start":2483.8499,"end":2503.92},{"sentences":[{"text":"I will let you go back and have a really good read because I know it's sometimes a lot to have someone taking you through the document looking at certain pages, and there's a lot of information and numbers and things in there.","start":2503.92,"end":2514.0999,"sentiment":"positive","sentiment_score":0.34034139507038647},{"text":"I'll let you go back and have a really good read there.","start":2514.48,"end":2516.5598,"sentiment":"positive","sentiment_score":0.714268351594607},{"text":"If there's any questions you have, let me know, and I'm more than happy to help you out.","start":2516.5598,"end":2521.245,"sentiment":"positive","sentiment_score":0.6508596920304828},{"text":"Just to let you know, Vivian, I am on leave next week, so I'm here until Wednesday.","start":2521.385,"end":2525.3052,"sentiment":"neutral","sentiment_score":0.08059045102666407},{"text":"But I will have my emails on me, and I do check them throughout every so often.","start":2525.3052,"end":2529.385,"sentiment":"neutral","sentiment_score":0.07580995800740578}],"sentiment":"positive","sentiment_score":0.35121665062887647,"num_words":107,"start":2503.92,"end":2529.385},{"sentences":[{"text":"So email me at any time, and I'll get back to you before Wednesday if I see the email before if it comes in before then.","start":2529.385,"end":2535.6802,"sentiment":"neutral","sentiment_score":0.04945088256723606},{"text":"But if it's next week, I'll jump on and try to get back to you as quickly as I possibly can.","start":2535.6802,"end":2540.4202,"sentiment":"neutral","sentiment_score":0.09583810060506776},{"text":"Okay.","start":2540.56,"end":2541.06,"sentiment":"neutral","sentiment_score":0.13502609729766846},{"text":"Yeah.","start":2541.52,"end":2542.02,"sentiment":"positive","sentiment_score":0.4615297019481659},{"text":"Oh, thank you.","start":2543.4248,"end":2544.305,"sentiment":"positive","sentiment_score":0.6035160621007284}],"sentiment":"neutral","sentiment_score":0.10971975086543423,"num_words":52,"start":2529.385,"end":2544.305},{"sentences":[{"text":"Looking forward to seeing my husband's family and having a bit of time with my son next week.","start":2544.305,"end":2548.565,"sentiment":"positive","sentiment_score":0.44638578014241326},{"text":"But I'll be back I'll be back from the thirteenth there as well.","start":2549.025,"end":2552.4648,"sentiment":"positive","sentiment_score":0.3458623725634355},{"text":"So I do take my laptop with me, and I'm a little bit of a workaholic.","start":2552.4648,"end":2556.2449,"sentiment":"neutral","sentiment_score":0.007686644326895475},{"text":"So I will reply to those emails over course of the week as I do see them if there's anything you need.","start":2556.385,"end":2561.02,"sentiment":"neutral","sentiment_score":0.1073187855495648},{"text":"Okay.","start":2561.08,"end":2561.58,"sentiment":"neutral","sentiment_score":0.18554890155792236}],"sentiment":"neutral","sentiment_score":0.21715290541095392,"num_words":70,"start":2544.305,"end":2561.58},{"sentences":[{"text":"That's okay.","start":2564.04,"end":2565.02,"sentiment":"positive","sentiment_score":0.47631850838661194},{"text":"Thank you so much for your time today.","start":2565.16,"end":2567.24,"sentiment":"positive","sentiment_score":0.7678502723574638},{"text":"I know it's a lot.","start":2567.24,"end":2568.12,"sentiment":"neutral","sentiment_score":0.20163170099258423},{"text":"Take some time to have her read through the document again.","start":2568.12,"end":2570.12,"sentiment":"neutral","sentiment_score":0.19829766045917163},{"text":"Just let me know if there's anything you need, and I'll make sure the girls do touch base.","start":2570.12,"end":2573.895,"sentiment":"neutral","sentiment_score":0.2716209159957038}],"sentiment":"positive","sentiment_score":0.344864737581123,"num_words":44,"start":2564.04,"end":2573.895},{"sentences":[{"text":"Maddie and Jordan will call just to sort of follow-up over the next few days as well.","start":2574.135,"end":2577.835,"sentiment":"neutral","sentiment_score":0.1514797815505196},{"text":"Okay?","start":2577.895,"end":2578.395,"sentiment":"neutral","sentiment_score":0.12256060540676116},{"text":"Beautiful.","start":2580.375,"end":2580.875,"sentiment":"positive","sentiment_score":0.6341543197631836},{"text":"If you're really into the reading aspect of it, attached to the email there, I've also got the product disclosure statements for hub twenty four.","start":2581.2551,"end":2588.555,"sentiment":"neutral","sentiment_score":0.23921082317829132},{"text":"We've also got for you the appendix which shows you any additional research we've completed with regards to the recommendations.","start":2588.85,"end":2596.3901,"sentiment":"neutral","sentiment_score":0.21087438091635705}],"sentiment":"neutral","sentiment_score":0.21140045952051878,"num_words":64,"start":2574.135,"end":2596.3901},{"sentences":[{"text":"We've also got our financial services guides attached there for you, and I've also attached the copy of the SOA there.","start":2597.4102,"end":2604.615,"sentiment":"neutral","sentiment_score":0.21817207407383693},{"text":"On the email underneath this document, we also do attach the initial implementation document.","start":2605.635,"end":2610.935,"sentiment":"neutral","sentiment_score":0.16830923621143615},{"text":"So if you are happy to take the recommendations and come on board, I'm looking so much forward to helping you out and getting you know, working towards your goals there.","start":2611.075,"end":2619.4302,"sentiment":"positive","sentiment_score":0.570506993801363},{"text":"We do have the application for Hub 24, which has all the information prefilled.","start":2619.8901,"end":2624.23,"sentiment":"neutral","sentiment_score":0.18521792335169657},{"text":"We also do a lost super search for you.","start":2624.77,"end":2626.85,"sentiment":"neutral","sentiment_score":0.16774221095773909}],"sentiment":"neutral","sentiment_score":0.3227684325381611,"num_words":89,"start":2597.4102,"end":2626.85},{"sentences":[{"text":"So we you to sign one of those.","start":2626.85,"end":2628.7751,"sentiment":"neutral","sentiment_score":0.16242140997201204},{"text":"We send that out to the ATO and get them to to go back into the ATO and see if there's any lost super or any money from, you know, back when that they may have held or found.","start":2628.7751,"end":2637.835,"sentiment":"neutral","sentiment_score":0.12835748550983575},{"text":"We also do have a tax file opt in form, so it's really important when we open Super that we do have your tax file number on file.","start":2638.695,"end":2645.9001,"sentiment":"neutral","sentiment_score":0.1441602355667523},{"text":"So that form is attached then.","start":2645.9001,"end":2647.4202,"sentiment":"neutral","sentiment_score":0.099220160394907},{"text":"It explains how and why we have your tax file number.","start":2647.4202,"end":2650.8801,"sentiment":"neutral","sentiment_score":0.08694560351696881}],"sentiment":"neutral","sentiment_score":0.12927741751722668,"num_words":92,"start":2626.85,"end":2650.8801},{"sentences":[{"text":"Everything is held under privacy and security, so it is a lot of privacy record requirements that we undertake.","start":2651.4202,"end":2659.1548,"sentiment":"neutral","sentiment_score":0.03906019855486719},{"text":"Moving forward, when you come on board, we'll essentially do security with you when you call us or we call you.","start":2659.615,"end":2664.4949,"sentiment":"neutral","sentiment_score":0.15462966884175935},{"text":"We'll ask if you wanna have a password on file or if you're just comfortable using a three point security check.","start":2664.4949,"end":2670.02,"sentiment":"neutral","sentiment_score":0.00890347418109221},{"text":"So it's about having extra security in place to make sure that we're not giving any information to anyone, and we're very security conscious here as a business.","start":2670.02,"end":2677.8,"sentiment":"neutral","sentiment_score":0.0030747392281357732},{"text":"Okay?","start":2677.94,"end":2678.44,"sentiment":"neutral","sentiment_score":0.1921410858631134}],"sentiment":"neutral","sentiment_score":0.04949526178081416,"num_words":90,"start":2651.4202,"end":2678.44},{"sentences":[{"text":"Beautiful.","start":2680.515,"end":2681.015,"sentiment":"positive","sentiment_score":0.7619336843490601},{"text":"So feel free to run your eyes over all those documents there.","start":2681.315,"end":2683.7148,"sentiment":"positive","sentiment_score":0.5169203008214632},{"text":"If you have any questions, let me know.","start":2683.7148,"end":2685.555,"sentiment":"neutral","sentiment_score":0.26162057742476463},{"text":"And, yeah, PDFs are attached if you're interested and wanna run your eyes to the product disclosure statements as well.","start":2685.555,"end":2691.015,"sentiment":"neutral","sentiment_score":0.19322519525885581},{"text":"No.","start":2695.73,"end":2695.8901,"sentiment":"neutral","sentiment_score":0.14849305152893066}],"sentiment":"neutral","sentiment_score":0.31121283024549484,"num_words":42,"start":2680.515,"end":2695.8901},{"sentences":[{"text":"That's absolutely okay, Vivian.","start":2695.8901,"end":2697.6501,"sentiment":"positive","sentiment_score":0.4862678200006485},{"text":"Thank you so much for your time today.","start":2697.6501,"end":2699.25,"sentiment":"positive","sentiment_score":0.8219077289104462},{"text":"I really appreciate you taking the call, and I hope you have a good day and a great week.","start":2699.25,"end":2703.35,"sentiment":"positive","sentiment_score":0.8120954162196109},{"text":"Thanks.","start":2705.6008,"end":2706.0808,"sentiment":"positive","sentiment_score":0.45755571126937866},{"text":"Talk to you soon.","start":2706.0808,"end":2707.1409,"sentiment":"neutral","sentiment_score":0.2963801845908165}],"sentiment":"positive","sentiment_score":0.7109228463636504,"num_words":36,"start":2695.8901,"end":2707.1409},{"sentences":[{"text":"My pleasure.","start":2707.3608,"end":2708.0808,"sentiment":"positive","sentiment_score":0.39891257882118225},{"text":"See you later.","start":2708.0808,"end":2708.901,"sentiment":"positive","sentiment_score":0.35364052653312683},{"text":"Bye.","start":2709.041,"end":2709.541,"sentiment":"neutral","sentiment_score":0.16758501529693604}],"sentiment":"positive","sentiment_score":0.33772195875644684,"num_words":6,"start":2707.3608,"end":2709.541}]}}]},{"alternatives":[{"transcript":"Good morning. Vivian speaking. Hi. I'm so sorry. Our meeting took a little bit longer than what I expected. Apologies for that. Yes. No. No. No. No problem. If you have time, I appreciate it. I do. Yes. Absolutely. Yeah. Lovely. Thank you. What about your mhmm. So quick look. Was this the iCloud email? Yep. Not a problem. Okay. Got it. Okay. Mhmm. Good. That is yep. That is yep. Yes. Yes. No. Mhmm. Yep. Mhmm. Yes. Mhmm. Yeah. Yeah. Yes. Yes. Yes. Mhmm. Mhmm. Uh-huh. Yep. Yes. Mhmm. Yep. Yes. Yes. Mhmm. Yes. Yes. No. No. I wish I had won a million dollars and I could let you know, but No. We don't. 100%. Select Curates. Yeah. Yep. Great. Thank you. Yeah. Yeah. Sure. Sure. Thank you. Mhmm. Page 30, did you say? Thirty thirty. Yep. Got it. No. Mhmm. Yes. Okay. Mhmm. Mhmm. Mhmm. Yep. Uh-huh. Yes. Right. Okay. Yes. Yep. Yes. Mhmm. Yes. Yep. Not. Not at all. Okay. Yep. Yes. Right. Yes. Mhmm. Yes. Yes. Yeah. Mhmm. Okay. Right. Yes. Okay. No. Not not at the moment. I'm sure there may be one coming up, but at the moment, no. Mhmm. Yep. Mhmm. No. No. No. Yep. No. It's traditional services. So we hold special meetings outside the normal meeting schedule and do other tasks like sending letters and stuff. We charge for our time. So, yeah, that fluctuates. But I'm happy to increase it to $5.50 a fortnight. Yes. No. Uh-huh. Yes. Yes. Yes. Mhmm. Mhmm. And do I do that now? Yeah. Yep. Yep. Makes sense. Yeah. Mhmm. Yep. Mhmm. Uh-huh. Yes. Yes. Yep. Makes sense. It is, actually. Yeah. No. No. It's a wealth of information to go through, but I'll I'll probably just need some time to, you know yeah. Just to have let it sink in. Yes. Yes. Yes. Oh, yeah. It's only about us. Yes. Yes. Yes. Yes. Yes. Yeah. Yeah. Hello? Yes. Mhmm. Mhmm. Yes. Yes. Yes. Okay. Yes. Yes. Yes. Yep. Yes. Yes. Yes. No. No. I'm guided by you guys. Yep. Will do. Yes. Yes. Yeah. That's if Trump has an accident. Worst worst thing that they could have done is to to have him as, you know, lay down. Anyway Yes. Yes. Yes. Mhmm. Yep. Mhmm. Yep. Yep. Uh-huh. Uh-huh. Yes. Yes. Mhmm. Yes. Okay. Yeah. Mhmm. Sure. Yes. Yep. Sure. Sure. Mhmm. Mhmm. Yep. No. No. No. No. No. Mhmm. Yes. Yes. Mhmm. Yep. Okay. Yep. Yes. Sure. Yeah. Yeah. Yeah. Sure. No. No problem. Enjoy your leave. Yeah. Oh, lovely. Wonderful. Sure. Sure. Alright. Thank you. No problem. Uh-huh. Mhmm. Mhmm. Yes. No. Yes. Yeah. Yeah. Yeah. Cool. Perfect. Yep. No problem. Thank you so much for the call. Really appreciate it. Thank you. You too. Take care. Bye bye. 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morning. Vivian speaking. Hi. I'm so sorry. Our meeting took a little bit longer than what I expected.\n\nApologies for that. Yes. No. No. No.\n\nNo problem. If you have time, I appreciate it. I do. Yes. Absolutely.\n\nYeah. Lovely. Thank you. What about your mhmm. So quick look.\n\nWas this the iCloud email? Yep. Not a problem. Okay. Got it.\n\nOkay. Mhmm. Good. That is yep. That is yep.\n\nYes. Yes. No. Mhmm. Yep.\n\nMhmm. Yes. Mhmm. Yeah. Yeah.\n\nYes. Yes. Yes. Mhmm. Mhmm.\n\nUh-huh. Yep. Yes. Mhmm. Yep.\n\nYes. Yes. Mhmm. Yes. Yes.\n\nNo. No. I wish I had won a million dollars and I could let you know, but No. We don't. 100%.\n\nSelect Curates. Yeah. Yep. Great. Thank you.\n\nYeah. Yeah. Sure. Sure. Thank you.\n\nMhmm. Page 30, did you say? Thirty thirty. Yep. Got it.\n\nNo. Mhmm. Yes. Okay. Mhmm.\n\nMhmm. Mhmm. Yep. Uh-huh. Yes.\n\nRight. Okay. Yes. Yep. Yes.\n\nMhmm. Yes. Yep. Not. Not at all.\n\nOkay. Yep. Yes. Right. Yes.\n\nMhmm. Yes. Yes. Yeah. Mhmm.\n\nOkay. Right. Yes. Okay. No.\n\nNot not at the moment. I'm sure there may be one coming up, but at the moment, no. Mhmm. Yep. Mhmm.\n\nNo. No. No. Yep. No.\n\nIt's traditional services. So we hold special meetings outside the normal meeting schedule and do other tasks like sending letters and stuff. We charge for our time. So, yeah, that fluctuates. But I'm happy to increase it to $5.50 a fortnight.\n\nYes. No. Uh-huh. Yes. Yes.\n\nYes. Mhmm. Mhmm. And do I do that now? Yeah.\n\nYep. Yep. Makes sense. Yeah. Mhmm.\n\nYep. Mhmm. Uh-huh. Yes. Yes.\n\nYep. Makes sense. It is, actually. Yeah. No.\n\nNo. It's a wealth of information to go through, but I'll I'll probably just need some time to, you know yeah. Just to have let it sink in. Yes. Yes.\n\nYes. Oh, yeah. It's only about us. Yes. Yes.\n\nYes. Yes. Yes. Yeah. Yeah.\n\nHello? Yes. Mhmm. Mhmm. Yes.\n\nYes. Yes. Okay. Yes. Yes.\n\nYes. Yep. Yes. Yes. Yes.\n\nNo. No. I'm guided by you guys. Yep. Will do.\n\nYes. Yes. Yeah. That's if Trump has an accident. Worst worst thing that they could have done is to to have him as, you know, lay down.\n\nAnyway Yes. Yes. Yes. Mhmm. Yep.\n\nMhmm. Yep. Yep. Uh-huh. Uh-huh.\n\nYes. Yes. Mhmm. Yes. Okay.\n\nYeah. Mhmm. Sure. Yes. Yep.\n\nSure. Sure. Mhmm. Mhmm. Yep.\n\nNo. No. No. No. No.\n\nMhmm. Yes. Yes. Mhmm. Yep.\n\nOkay. Yep. Yes. Sure. Yeah.\n\nYeah. Yeah. Sure. No. No problem.\n\nEnjoy your leave. Yeah. Oh, lovely. Wonderful. Sure.\n\nSure. Alright. Thank you. No problem. Uh-huh.\n\nMhmm. Mhmm. Yes. No. Yes.\n\nYeah. Yeah. Yeah. Cool. Perfect.\n\nYep. No problem. Thank you so much for the call. Really appreciate it. Thank you.\n\nYou too. Take care. Bye bye. Bye.","paragraphs":[{"sentences":[{"text":"Good morning.","start":2.56,"end":3.1999998,"sentiment":"neutral","sentiment_score":0.3200135678052902},{"text":"Vivian speaking.","start":3.1999998,"end":4.26,"sentiment":"neutral","sentiment_score":0.1617809683084488},{"text":"Hi.","start":6.96,"end":7.46,"sentiment":"neutral","sentiment_score":0.12135959416627884},{"text":"I'm so sorry.","start":7.7599998,"end":9.76,"sentiment":"neutral","sentiment_score":-0.07424169778823853},{"text":"Our meeting took a little bit longer than what I expected.","start":9.76,"end":13.38,"sentiment":"negative","sentiment_score":-0.36380287463014777}],"sentiment":"neutral","sentiment_score":-0.1652425288369781,"num_words":19,"start":2.56,"end":13.38},{"sentences":[{"text":"Apologies for 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Vivian speaking.\n\nChannel 0: Hi, Vivian. It's Dana from Oakview Financial.\n\nChannel 1: Hi.\n\nChannel 0: How are you\n\nChannel 1: I'm\n\nChannel 0: this morning?\n\nChannel 1: so sorry. Our meeting took a little bit longer than what I expected. Apologies\n\nChannel 0: Yeah.\n\nChannel 1: for that.\n\nChannel 0: No. That's absolutely fine. It's not a problem at all. I did is now still a good time to go negotiate the statement of advice, or is there a better\n\nChannel 1: Yes.\n\nChannel 0: time that you wanted me to call back? Or\n\nChannel 1: No. No. No. No problem.\n\nChannel 0: Sounds\n\nChannel 1: If you have\n\nChannel 0: good.\n\nChannel 1: time, I appreciate\n\nChannel 0: Yeah.\n\nChannel 1: it.\n\nChannel 0: Absolutely. Not a problem at all. What I normally do is I send through the document to you just by email there. Do you have access to your emails at the moment?\n\nChannel 1: I do. Yes.\n\nChannel 0: Yep. Beautiful. Lovely. I'm just gonna send it through so you can have a look at the document as we are going through. It just makes it a little bit easier there.\n\nI do also just have to let you know we do record our calls for quality and training purposes moving forward. Are you comfortable with that?\n\nChannel 1: Absolutely.\n\nChannel 0: Lovely. Thank you so much. How was your weekend?\n\nChannel 1: Yeah. Lovely. Thank you.\n\nChannel 0: Yeah. That's\n\nChannel 1: What\n\nChannel 0: good.\n\nChannel 1: about your\n\nChannel 0: That's ex it was busy, but it was good.\n\nChannel 1: mhmm.\n\nChannel 0: Yeah. Beautiful. Now I've just sent that one through to you, Vivian. Hopefully, it pops through fairly quickly for you.\n\nChannel 1: So quick look. Was this the iCloud email?\n\nChannel 0: Yes. That's the one I have here. Yeah. Hannah.verve@icloud.com.\n\nChannel 1: Yep. Not a problem.\n\nChannel 0: Beautiful.\n\nChannel 1: Okay. Got it.\n\nChannel 0: Lovely. So when you open up that one, now I have attached the statement of advice as an attachment. But when you open the email, it does have a button that says to sign. It's not gonna ask you to sign anything. It's just you press that button, so it allows you to continue forward so you can review the document.\n\nAnd\n\nChannel 1: Okay.\n\nChannel 0: then you should be able to scroll up and down through the pages to make it easier.\n\nChannel 1: Mhmm.\n\nChannel 0: Is that all working\n\nChannel 1: Good. That\n\nChannel 0: for\n\nChannel 1: is\n\nChannel 0: you?\n\nChannel 1: yep. That is yep.\n\nChannel 0: Fantastic. Now on the first page there, you should see it says OP Financial and the statement of advice as prepared for yourself as of the 03/25/2026 there. It has been prepared by myself, Dana Taylor. I'm an authorized representative under Oakview Financial. My registration number is 1304394.\n\nOkay?\n\nChannel 1: Yes.\n\nChannel 0: As you scroll through the next pages there, you'll see we've got the best interest duty. It's just letting you know that any advice we do provide is provided under the best interest duty, which is part of the corporation's ask. It's about making sure that we understand your goals, your financial and personal situation to make sure that the recommendations provided are there to put you in a best in a best possible position to meet your goals and objectives and to make sure they are in your best interest moving forward. Okay?\n\nChannel 1: Yes.\n\nChannel 0: Beautiful. The next page is the table of contents. And moving on beyond that, you'll see we've got some areas that we have scoped in for advice. So it could be considered areas. We're looking at superannuation working towards your goals.\n\nThey're looking at the trends,\n\nChannel 1: No.\n\nChannel 0: their time, and strategies for you to see if we can increase contributions in, help maybe reduce\n\nChannel 1: Mhmm.\n\nChannel 0: a little bit of income tax, but also makes your income stays relatively the same. We looked at the personal\n\nChannel 1: Yep.\n\nChannel 0: insurance aspect, so you have some life and TV data. You were happy not to sort of have those any further, so we've looked at, you know, what that can do for your super as well. And then we've also got the estate planning considerations. So one of the big things is making sure that beneficiary nominations are set up correctly, that it refers to your wishes, and also making sure your wills and power of attorneys are also reflective of that as well. Okay.\n\nChannel 1: Mhmm. Yes.\n\nChannel 0: Beautiful. The next page is the limited scope basis. So because you are a little bit away from retirement, essentially, we're looking at what this is doing for you now and, yeah, the effect of this. We look at whether it comes to retirement planning and the Social Security in this document. It's more to showing you the long term effect of the recommendations and how this can help you in those retirement years.\n\nSo we\n\nChannel 1: Mhmm.\n\nChannel 0: don't make a recommendation as yet on how to draw down the income once you hit that retirement age or what sort of Social\n\nChannel 1: Yeah.\n\nChannel 0: Security benefit you're expecting as a dollar figure, but it's sort of showing you a bit of a graph and a table on where we see everything sitting with regards to these recommendations. Now when you get so to try and use, you know, exactly what you wanna draw down, exactly, you know, when you're gonna retire, the date you've got there, we can then in the in-depth, sorry, make another recommendation around this sort of area. It's just that with\n\nChannel 1: Yeah.\n\nChannel 0: Social Security, it changes a couple of times a year, so we're a bit far out to really assess that at the moment. And with retirement, we will always make sure we're updating that down the track for you when you get closer to it. Okay?\n\nChannel 1: Yes. Yes. Yes.\n\nChannel 0: Perfect. On page number seven, we have the areas that we've not considered there. So you've got your investment property at the moment. We're not making a recommendation around that currently. However, we can help you with additional advice down the track if you would like to.\n\nOkay?\n\nChannel 1: Mhmm.\n\nChannel 0: We've also got no additional personal insurances. So we have fact in just the cancellation of your life and TPD. However, you didn't have any income protection or any trauma or any other type of personal\n\nChannel 1: Mhmm.\n\nChannel 0: cover. So we've scoped out getting any additional cover for you. Okay?\n\nChannel 1: Uh-huh. Yep.\n\nChannel 0: Perfect. The next page is essentially the limited advice warning. So this is letting you know that we do scope in in our areas that we are looking at with regards to the advice. Any areas that we have scoped out or any areas that you have we've not received advice on, you're welcome to come back at a later time, have a conversation with me, and we can always provide advice on those additional areas for you.\n\nChannel 1: Yes.\n\nChannel 0: It's important to note this is just a starting point as well. So the advice they provide now is not a set and forget. It's about reviewing the advice, making sure it's working for you, and keeping\n\nChannel 1: Mhmm.\n\nChannel 0: to, you know, alter it as your goals change, as your life changes. One of the things you may have mentioned was that, you know, you might look at getting out of this current work and moving into more of a a care sort of role. So when that time changes, there could be some, you know, bigger effects on your retirement goals and things like that.\n\nChannel 1: Yep.\n\nChannel 0: So we wanna keep evolving the advice as your life as your goals change. Okay?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Perfect. This also lets you know that we're not solicitors. So when it comes to the drafting of wills and power of attorneys, we can refer you through to a solicitor if you did require the services of one. But our financial advisers, they're not solicitous, so we can't technically draft a bill for you.\n\nChannel 1: Mhmm.\n\nChannel 0: We also when it comes to insurances, do look at personal covers, so things like life, TPD, and income protection. Other types of general insurance products like house, motor liability, and business cover, we don't provide advice on, but we can always refer you to a general insurance broker if you would require those services.\n\nChannel 1: Yes.\n\nChannel 0: And under the Better Advice Act 2021, as a financial adviser, I'm able to provide tax financial advice. So it's basically looking at, you know, anything you've got coming up, CGT or tax to tax related areas and providing advice around those, whether it be to minimize, to utilize, or, you know, maximize depending on your situation. But we're not accountants, so we don't do your tax return for you. And if you did require the services of a tax accountant, we can absolutely refer you through to one as well. Okay?\n\nChannel 1: Yes.\n\nChannel 0: Perfect. Beautiful. The next page is the about you section. Is there any kind of information on that page that you might need to have to update? If that's everything that we had collected originally, just wanna make sure that there's no major changes since we last caught up.\n\nChannel 1: No. No. I wish I had won a million dollars and\n\nChannel 0: Perfect.\n\nChannel 1: I could let you know, but\n\nChannel 0: Oh, me too. Tell\n\nChannel 1: No.\n\nChannel 0: you\n\nChannel 1: We\n\nChannel 0: what,\n\nChannel 1: don't.\n\nChannel 0: if I win, I'll share. If I win, I'll make sure I call you and share.\n\nChannel 1: 100%.\n\nChannel 0: Absolutely. And the next page is your assets and liabilities there as well. So this is the information that we had based on your current asset and liabilities noted. I know there can be some changes around the the loans and the values there, but is there anything that you would like to have updated, or is everything still fairly accurate?\n\nChannel 1: Select Curates. Yeah.\n\nChannel 0: Beautiful. And underneath that, we also have your current superannuation and your car insurance as noted as well. Okay.\n\nChannel 1: Yep. Great.\n\nChannel 0: Perfect.\n\nChannel 1: Thank you.\n\nChannel 0: Lovely. I'm I'm gonna skip through a few pages to kinda go through the recommendations. But once we've gone through everything after the call, you'll be able to go back and have a really good read of the document, look at the\n\nChannel 1: Yeah.\n\nChannel 0: the recommendations\n\nChannel 1: Yeah.\n\nChannel 0: in detail, the advantages, disadvantages, risks, and alternatives considered, and you're welcome to come back with me with any questions. Okay?\n\nChannel 1: Sure. Sure. Thank\n\nChannel 0: Beautiful.\n\nChannel 1: you.\n\nChannel 0: That's okay. Now to make this a little bit easier on you, if I can just get you to scroll down to page number 33 for me, I'll go through the recommendations, but sometimes looking at this table is a little bit easier for you. Okay?\n\nChannel 1: Mhmm. Page 30,\n\nChannel 0: Beautiful.\n\nChannel 1: did you say?\n\nChannel 0: 33. So the heading there is the fee comparison table.\n\nChannel 1: Thirty thirty. Yep. Got it.\n\nChannel 0: Beautiful. So with the recommendations that at the moment, you are in the Australian Retirement Trust with your current balance as the date we got the research. You are paying the administration fees, investment fees. You've got no adviser fees coming out at the moment, and your contributions going in there, and your insurance premiums are also coming out. In the portfolio you have in at the moment, you are more of a balanced growth environment.\n\nSo you are taking on a little bit more risk in that environment than what you were more comfortable with when we did the risk profile questionnaire. So as the starting recommendation, I am recommending that we do move you out of Australian retirement trust and into Hub twenty four. Now have you ever heard of Hub twenty four before?\n\nChannel 1: No.\n\nChannel 0: No. That's okay. Hub twenty four is a retail rep platform, essentially. What it does, it's a retail super fund. It essentially allows advisers to open up these sorts of investments and gives us access to generally a lot of different investment options within hub within ART.\n\nSorry. You generally\n\nChannel 1: Mhmm.\n\nChannel 0: have about 30 different investment options to choose from. But within hub twenty four, we actually get access to a bit over 1,148 or different investment options. That's everything from managed funds, exchange trader funds, to individual shares in companies, both here in Australia, but also in overseas, exchanges as well. So we get access to a lot more different investment options there. I am recommending that we move you fully out of the ART funded into hub twenty four, which is managed by us.\n\nWe are also recommending that we set up a transition time and strategy for you as well, which means that you have a separate super and it's what's called a TTR pension account. Your contributions will continue to go into the accumulation of the super account and will increase those contributions up to maximize the cap, and then we'll be able to replenish your income by drawing some of that out of the pension account there.\n\nChannel 1: Yes. Okay.\n\nChannel 0: With the rest yeah. One of the big things to look at is obviously the cost factor there. So when you look at the administration fees and investment fees, Hub twenty four as a platform by moving you out of ART into Hub twenty four and having both those accounts there, you'll see the first side of that is 85,000. The second is\n\nChannel 1: Mhmm.\n\nChannel 0: $152.04 $0.06. So we'll leave 85,000 in the accumulation of super account, which is where your contributions will continue to go into, and we'll move\n\nChannel 1: Mhmm.\n\nChannel 0: 152,406 into the pension account. And that's where we'll draw a little bit of income to replenish what we're putting into super. Okay?\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: By opening both of these two accounts, when you look at the administration fee, I do realize\n\nChannel 1: Uh-huh.\n\nChannel 0: it is a little bit more. So it is about $442 more per year for having the two accounts within Hub twenty four. But with the portfolio that we're recommending, and I'll go through that in a bit more detail above for you, by having these two accounts, you're actually saving for the first year about a thousand and $36 on investment fees. So, overall,\n\nChannel 1: Yes.\n\nChannel 0: when we weigh up the option, the administration fees, the investment fees for the different accounts, both ART and hub twenty four, by following this strategy, you're actually gonna save overall, which is really important. So having lower fees does mean that you're gonna have more money remain invested for you. Okay?\n\nChannel 1: Right. Okay. Yes.\n\nChannel 0: Yep. Beautiful. When I sort of look at the difference there, it actually saves you about $594 overall. So it works that you have a lot more money invested there, which is really important. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Now we do obviously have the adviser fees there. So one of the things we did we did let you know about was that by coming on board, everything we do up into the point you decide to sign the advice and come on board is completely complimentary. Once we do come on board and we go through the the process of implementing the advice, we do charge an implementation fee. It is 3.3% and capped at a $150,000.\n\nSo at the very top, you'd see the difference, you would see that implementation fee. Now\n\nChannel 1: Yes.\n\nChannel 0: how this implementation works for the first part of the recommendations is that we start by rolling you out of ART into hub 24 and moving everything into just a super account first.\n\nChannel 1: Mhmm.\n\nChannel 0: Once the funds hit the account, everything stays in cash for a quick minute, and we deduct that 4,950 as the implementation fee, and then we have the funds invested for you so that it's all making that money back nice and quickly. Okay?\n\nChannel 1: Yes.\n\nChannel 0: Once we've done that, then we open up the pension account, and we roll that $1.52 into the pension account. We then start the drawdowns, and then we let you know when the first drawdown is, and we get you to start increasing your contributions. And I'll go through that in a bit more detail shortly for you at the moment.\n\nChannel 1: Yep.\n\nChannel 0: Do you have any questions so far?\n\nChannel 1: Not. Not at all.\n\nChannel 0: No? Beautiful. It's also important I do make you aware you do have the ongoing service fee as well. So for us to look after everything and continue to look after it moving forward, we do charge a regular ongoing service fee percentage. It is normally 1.65%.\n\nHowever, I did ask Connor. I did go into that for you, and they've actually reduced the fee itself to 1.1 ongoing. So\n\nChannel 1: Okay.\n\nChannel 0: that's essentially\n\nChannel 1: Yep.\n\nChannel 0: it's 1.1 as a yearly percentage charge. However, we deduct the fee on on an ongoing basis, on a monthly basis out of your super funds, so you pay a smaller amount regularly. The idea of having a percentage based ongoing service fee is that it fluctuates with the market. So when the market is doing really well, the fee we're gonna receive is gonna be a little bit higher as well. However, when the market takes a little bit of a dip, our fee is gonna take a bit of a dip there with it.\n\nSo it is linked to the performance\n\nChannel 1: Yes.\n\nChannel 0: of your super as well. Does that make\n\nChannel 1: Right.\n\nChannel 0: sense? Yeah.\n\nChannel 1: Yes.\n\nChannel 0: Beautiful. You'll see on the column there with the adviser fee that we would expect for the first year, that it'd be it's pro rata between the two accounts, so that'd be 2,000\n\nChannel 1: Mhmm.\n\nChannel 0: 628 for the first year. Okay. Beautiful. Lovely. You'll also see underneath\n\nChannel 1: Yes.\n\nChannel 0: that we've got contributions per year, which are increased from where they are at the moment. It's part of the TTR strategy, and I'll take you through that shortly, and also the pension withdrawal, which is also gonna come out of the pension account to help supplement your income. Okay.\n\nChannel 1: Yes.\n\nChannel 0: Beautiful. With the recommendations there, you'll see on the very bottom of that table there that we have recommended a balanced portfolio. So this is actually taking a little bit of risk risk in the market. So at the table on the page before this one, if you just scroll up slightly, you've got a little table that shows essentially where your growth and defensive assets are now versus what we're\n\nChannel 1: Yeah.\n\nChannel 0: recommending for you. So in the balanced growth environment you are within ART at the moment, you've got currently 65% growth investments and about\n\nChannel 1: Mhmm.\n\nChannel 0: 35% defensive investments. With the proposed,\n\nChannel 1: Okay.\n\nChannel 0: we're actually going to reduce that so you'll have about 60% in growth investments, things like Australian shares, international shares, listed property, and commodities, and then we'll increase the defective to about 40% there. So we're essentially lowering those higher risk investments and increasing the defensive investments, which lowers your overall risk in the portfolio. Okay? The portfolio. Okay?\n\nBut, also, making sure it's performing quite well. And on that table you were just looking at below there, when you look at how the different portfolios have been performing, our balanced portfolio, which is lowering the overall risk, has actually shown greater performance over\n\nChannel 1: Right.\n\nChannel 0: the past five years than where you are currently with ART. Okay?\n\nChannel 1: Yes. Okay.\n\nChannel 0: Yeah. Beautiful. Do you have any questions at the moment?\n\nChannel 1: No. Not not at\n\nChannel 0: No?\n\nChannel 1: the moment. I'm sure there may be one coming up, but at the moment, no.\n\nChannel 0: Absolutely. No. Perfect. So that's essentially the beginning of the recommendations that we are. Just recommend you that you do roll out of ART and into Hub 24 for you to make it a bit easier.\n\nOkay?\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: If you scroll back up for me, just to page number 22. Now this is the second part of the recommendation, and this is that transition retirement strategy. I've sort of got it here a little bit clearer for you so you can see essentially the numbers that we're looking at and how it works. You'll probably wanna take some time after the call to go back and review everything without me talking in your ear, and that's absolutely\n\nChannel 1: Mhmm.\n\nChannel 0: fine. I'll also send you an email after the call so you've got my direct email there, and then you're welcome to email me or call me with any questions that you have as well. Okay?\n\nChannel 1: No. No. No. Yep.\n\nChannel 0: Beautiful. Now the second part of this recommendation is once we move you into how '20 four into the accumulation side of things, we wanna recommend that you increase your contributions into super when we had a really good look. Now your income does fluctuate a little bit because, you know, you've got that I think it's working from home allowance or something attached there, but\n\nChannel 1: No. It's\n\nChannel 0: your\n\nChannel 1: traditional services. So\n\nChannel 0: that's\n\nChannel 1: we hold\n\nChannel 0: it.\n\nChannel 1: special meetings outside the normal meeting schedule\n\nChannel 0: Yep.\n\nChannel 1: and do other tasks like sending letters and\n\nChannel 0: Yeah.\n\nChannel 1: stuff. We charge for our time. So,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, that fluctuates. But I'm happy to increase it to $5.50 a fortnight.\n\nChannel 0: Yep. Perfect. So we actually when we had a look and and thank you so much for sending through your pay slips because that was really helpful to foresee that because your contributions do fluctuate depending on what your pay is. So we've actually made it to have a look at where we expect you to be. So we've used your your highest income estimate and sort of used that as an average for the year to show what we expect you to basically be earning for the year, making sure we're not exceeding the contributions cap.\n\nSo what we are recommending is once we've got that super set up in accumulation, we then increase your contributions up to that 550 on a fortnightly basis there.\n\nChannel 1: Yes.\n\nChannel 0: That's increasing you up to essentially the cap, but that also changes your take home pay. So your take home pay becomes less. So because of where you are in your stage of life, we're able to sort of help you to replenish your income, and we can move that $152,004.00 6 into an account based transit retirement pension account\n\nChannel 1: No.\n\nChannel 0: and be able to draw out between four to 10% on a yearly basis. We've\n\nChannel 1: Uh-huh.\n\nChannel 0: left a bit\n\nChannel 1: Yes.\n\nChannel 0: of a buffer, so we're not fully drawing out the 10%. It gives us a bit of leeway in case we need to make changes to it. But,\n\nChannel 1: Yes.\n\nChannel 0: essentially, in order to because contributions are normally taxed oh, sorry. Because contributions are taxed at 15% inside super, the money going into super is taxed at more of a conservative tax rate, I apologize, which means you have more money invested in your super growing and providing more of a benefit for you. With the\n\nChannel 1: Yes.\n\nChannel 0: funds that we are putting into super, before it goes into super, at the moment, it's currently being taxed at your marginal tax rate. So we can increase the amount we're putting into super and draw a lesser amount out to replenish your income. Okay?\n\nChannel 1: Mhmm. Mhmm. And\n\nChannel 0: It's\n\nChannel 1: do\n\nChannel 0: a little\n\nChannel 1: I\n\nChannel 0: bit\n\nChannel 1: do that now?\n\nChannel 0: yes. So we will actually, the way I like to implement this is we'll start by setting up the the super account. We'll open the pension account, and we'll let you know when the first pension drawdown is expected. I like you to get the first pension drawdown out of super before you increase your contributions in. Otherwise, there could be a wake your where your take home pay is negatively affected.\n\nSo I like to make sure we're replenishing your income first, then we increase your contributions in. That way, you're not, you know, left behind with expenditure and things\n\nChannel 1: Yeah.\n\nChannel 0: like that. Does that\n\nChannel 1: Yep.\n\nChannel 0: make sense? Yeah.\n\nChannel 1: Yep. Makes sense.\n\nChannel 0: Beautiful. If you scroll down to, essentially,\n\nChannel 1: Yeah.\n\nChannel 0: I believe, the next page, it might be the second page along. It's page number 24. This essentially\n\nChannel 1: Mhmm.\n\nChannel 0: shows you the numbers of what we're looking at. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. So we're looking at your current contributions at the top there, and, essentially, this is how it'll work the pension analysis. So we start off with a source of funds of $2.42 $3.05 6 and 11¢. We'll roll a $152,004.00 6 into the pension phase account, and we'll leave about 85,000 behind in the accumulation phase. And then we've also got the drawdown, the TTR pension income amount.\n\nThe table underneath that shows your current position versus what we're recommended, so you can essentially see the difference and how we keep your take home paying net about the same amount there. So we've worked out your salary based on what you've been earning and averaged it out to see what we're expecting you would get. And then we've also looked at your current contributions to salary sacrifice because you're currently making some salary sacrifice contributions in there. So we essentially increase that so that over the course of the twelve months, you put in an extra 14,300 total, and that\n\nChannel 1: Mhmm.\n\nChannel 0: reduces your take home or your taxable income. So at the moment, it's reduced to about a 103,000, whereas after this increase in the contributions, reduces it back to 94,000.\n\nChannel 1: Uh-huh.\n\nChannel 0: You've got your amount of tax. Obviously, the tax at the moment is higher than what you would have by increasing your contributions in the super, and then you've got your net take home pay. So at the moment, your salary minus the contributions going in minus the tax leaves you with about 79,342. Because\n\nChannel 1: Yes.\n\nChannel 0: with with the increase in the contributions in, it actually reduces your net income back to about 73,154. So we wanna replenish that back to that $79,003.04 2. So in order to do that, we only have to draw out $6,188 on a yearly basis. That's about $238 on a fortnightly basis. And then that brings your net take home pay back to that $79,003.42.\n\nSo\n\nChannel 1: Yes.\n\nChannel 0: it's essentially starting with your income now, looking at what you're putting in now, increasing the contributions up to the cap, we're maximizing what we're putting in the super. And then because of the way tax works, we don't have to draw as much out to replenish your income, and it keeps your take home pay about the same there. Does that make sense?\n\nChannel 1: Yep. Makes sense.\n\nChannel 0: Yep. Beautiful. It's kinda cool the way it works.\n\nChannel 1: It is, actually. Yeah.\n\nChannel 0: I'll let you sorta have a bit more of a look at that later. I know it can be a little bit fun with me talking in your ear. It takes a bit to go back and just sorta have a look at that, but let me know again if you do have any questions there. Is there any questions coming to mind at the moment at all?\n\nChannel 1: No. No. It's\n\nChannel 0: Nope.\n\nChannel 1: a wealth of information to go through, but I'll\n\nChannel 0: It\n\nChannel 1: I'll probably\n\nChannel 0: is.\n\nChannel 1: just need some time to, you know\n\nChannel 0: Absolutely.\n\nChannel 1: yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Just to have let it sink in.\n\nChannel 0: Absolutely. As I sort of mentioned before, we do have the strategy written out above for you, and you'll be able to go through those individually. We put these tables in here to kinda give you a guide and show you the numbers and how it all kind of works so it's a bit of a visual. But above, you'll also see as you're going through the strategies and reading through the document, we've got the advantages, the disadvantages, and the risks involved. We've also got alternatives that we've considered there as well, and we also have a best interest duty statement.\n\nSo one of the things is making sure that the recommendations are there to meet your goals. Essentially, I can say that these recommendations are in your best interest because Hub twenty four, when we look at the changeover, is actually saving you in fees from where you are at the moment. You're wanting to sort of look at retiring in your late sixties. We talked about age 67 when you're able to also access the age pension there as well. So moving into more of a balanced portfolio with invest interest because we're reducing the risk level you're taking.\n\nThere is a lot of volatility out there in the market at the moment, so reducing your risk level now is really good and important for helping to do that. The recommendations of making putting more into super to have it invested is in your best interest because we're putting more in there, keeping it invested and compounding now as opposed to doing it down the\n\nChannel 1: Yes.\n\nChannel 0: track has a greater advantage for you.\n\nChannel 1: Yes. Yes.\n\nChannel 0: And being able to draw a little bit out and utilize this TTR strategy means that we're able to keep your take home pay relatively the same as well. And that's really important because you've got a lot of expenditure. Life is expensive. We all know that. At the moment, we're probably spending more on fuel than we are on groceries.\n\nChannel 1: Oh,\n\nChannel 0: So\n\nChannel 1: yeah. It's only about us.\n\nChannel 0: that's it. So life is extremely expensive out there, so we don't wanna negatively impact your income very much. You've also got your investment property, which you're is negatively geared and you're putting money towards as well. So it's really important that those are the factors that are taken into consideration. Okay.\n\nChannel 1: Yes.\n\nChannel 0: Beautiful. So that's essentially the recommendations with the super there. We're gonna move you out of ART, move you into hub 24. We start off in accumulation. We have the funds invested for you.\n\nI've explained the fees, and you're welcome to come back and ask any additional questions. With the upfront implementation fee, that's a one off only fee. We don't charge that per advice documents. You pay it for once when you're onboarding, and then we never charge that again. The ongoing service fee allows us to continue providing advice by looking and monitoring your super fund, the investments, making alterations, and updating advice moving forward as well, and that's all included in the in that ongoing service fee.\n\nOkay?\n\nChannel 1: Yes.\n\nChannel 0: Beautiful. Once we have that super fund open, the funds are nicely invested for you, then we open up the TTR pension account. We'll roll the one fifty two four zero six into the pension account. We'll let you know when the first drawdown is expected to happen. And then once that first drawdown has been made, then we'll get you to increase your contributions up into super.\n\nThat way, you've got the first it's really important. I like to do it this way because if you just increase your contributions into super, you take home pay and your expenditure is reduced pretty significantly. So I like to make sure you get your first payment into your account first. It fixes up your you know, it it basically gives you a little bit of income first, then we increase your contributions back, and it has more of a a lesser effect on your expenditure to make it easier on you. Okay?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Beautiful. The to show you essentially what the portfolio looks like, if you can have a look at page number 30 for me, this is the recommended portfolio. The page after is essentially the pension account. They're exactly the same across both of them. We just like to note down as how how much should be invested between the two different accounts so you can sort of see what to expect there.\n\nOkay.\n\nChannel 1: Yes.\n\nChannel 0: With the portfolio being a more of a balanced portfolio, you'll see at the top there, you've got your balance pool within ART. We're essentially rolling all of that out and investing the funds as per the lows. So this investment portfolio would save some funds in the cybersecurity area. We also have some European exposure there, some S and P 500, which is the top 500 companies in The US. And there's a lot of volatility in the market at the moment.\n\nThere has been a bit of concern around those sorts of areas. But long term, those investment areas and countries still have great long term growth, so we can definitely still see us investing in those areas. Okay?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: We have the Rafi a 200, which is the QoS one there, and that's giving you exposure to mid and low cap come sorry. Mid and small cap companies on the AFX are giving you some Australian exposure, which is really important to have as well. And we also have the BetaShares a 200, which is giving you exposure to the top 200 companies on the ASX. So one of the\n\nChannel 1: Hello?\n\nChannel 0: things I do like to point out with the a 200 and the S and P 500, whilst we understand that companies don't always fit that measure and that we do see a bit of volatility here, one of the things I like about\n\nChannel 1: Yes.\n\nChannel 0: those two investments particularly is that you are always invested in the top 500 with the S and P 500 or with the beta shares one of the top 200 companies in Australia. Both of those investments follow or track an index, and they're all passively managed. So one of the good things is that the index meets every sort of quarter, and if companies don't meet the criteria to be in the top 500 or the top 200, then they are removed from that index, which means they're then removed from these investments, and other investments are moved or companies are moved in to replace them. So you are always invested in the top 500 companies in The US or the top 200 companies in the Australian\n\nChannel 1: Mhmm.\n\nChannel 0: index. So\n\nChannel 1: Mhmm.\n\nChannel 0: Yeah. It's really good. It means that, essentially, when companies don't fit the criteria, they are removed. So you're not sitting in companies that are going down or going bust or anything like that. Okay?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Beautiful. We also have some physical gold. So growth is gold is a growth investment. However, it does tend to act defensively. I know over the last year, gold has gone up a huge amount.\n\nIt's been over 30% increase, which is great. We all love a bit of gold, and I definitely do, to have where as well as invest in. Gold essentially has seen great growth. We love it as a growth investment, but at times when markets are a bit volatile where shares aren't doing so well particularly, people like to move money into gold and use it as a bit of a safe haven. So it does act defensively, and we utilize it in your portfolio as an alternative for growth, also defensive in nature as well.\n\nSo we kinda use it both ways in the portfolio, which is really cool.\n\nChannel 1: Yes.\n\nChannel 0: Okay.\n\nChannel 1: Okay. Yes.\n\nChannel 0: Yeah. Having some global infrastructure, again, is really quite important. So infrastructure is, like, things like property. Having that globally means you're diversifying your portfolio because different countries react different ways when it comes to infrastructure and properties and things like that. Australia and The US tend to move in or follow suit.\n\nHowever, other countries like Japan tend to not follow the same way. So diversifying your portfolio and having global exposure as well as The US and Australia is good for helping to lower your overall risk of the portfolio. Okay?\n\nChannel 1: Yes. Yes.\n\nChannel 0: And then because sorry. This is also lowering the risk. We wanna have some defensible lower risk investment options, things like cash, bonds, and fixed interest. And those are the last three ones here. So core composite bonds, high interest cash, and then also a yield.\n\nSo high yield or high income producing investments and things like that. And these three are seen as very much defensive investments. They are expected to get a lower rate of return, but defensive investments like cash bonds and fixed interest, when equities generally don't do so well, these sorts of investments tend to do do perform better. People tend to move money out of the market or out of high risk investments when markets are a little bit volatile and tend to put things in your safe haven areas like cash, bonds, fixed interest, and a bit of gold as well. So\n\nChannel 1: Yep.\n\nChannel 0: having these sorts of things helps to lower the overall risk of of your portfolio and helps to smooth out long term market fluctuations as\n\nChannel 1: Yes.\n\nChannel 0: well. Okay? Beautiful. Underneath that, you'll see the cash account there now where every super fund does have to hold a certain amount of minimal cash, and this one has to hold have 24 has to hold 1.25%. So it'd be about $1,062 within the super fund there.\n\nIn the pension account, it'd be about 1,905, and that's so they don't have to be buying and selling investments all the time in order to pay things like administration fees, investment fees, and adviser fees, and things like that. So they have to hold a small amount of cash percentage for you. Okay?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Beautiful. I try to keep that fairly brief of making sure I give you enough information. But do you have any questions about that area, about the investments particularly, or anything\n\nChannel 1: No.\n\nChannel 0: we've gone through so far? Is that okay at the\n\nChannel 1: No.\n\nChannel 0: moment?\n\nChannel 1: I'm\n\nChannel 0: Yep.\n\nChannel 1: guided by you guys.\n\nChannel 0: Beautiful. If there is any questions that you have in relation to that, come back and let me know. There might be something that pops up down the track there. Okay?\n\nChannel 1: Yep. Will do.\n\nChannel 0: Beautiful. Now to show you this sort of long term effect, I sort of mentioned before, we do limited scope in the retirement and the Centrelink aspect. So if you scroll down to page number 35 for me, this is just looking at the essentially, where we see the projected outcome to be. So by following the advice and looking at the projected outcome there, we've not included the investment property. This is sort of being left out of this area for the time being until we work out down the track what you're wanting to do more with regard to that.\n\nBut, essentially, by taking on the recommendations, we'll get the long term effect here. We can sort of show that. And having a look at everything, you should be eligible for some age pension as well, which will be really good in helping you to, you know, make sure your super is working harder for you.\n\nChannel 1: Yes.\n\nChannel 0: But, essentially, long term effect is when we get to the age of seven, we should be able to start to draw down the income out of super and also supplement that with a bit of age pension for you.\n\nChannel 1: Yes.\n\nChannel 0: It actually shows you that the estimated amount you should be able to draw down or live on on a yearly basis is just over $1,000 on a weekly basis. So it's about 53,308 projected target. And that's essentially giving you longevity out of super, but also out of the age pension aspect for you. So looking at utilizing everything we possibly can, it does show that you're able to get a really good income estimate based on the recommendations. Okay?\n\nChannel 1: Yeah. That's if Trump has an accident.\n\nChannel 0: It's so I have no idea what's going on there at the moment. It just it all flips and changes continuously, isn't it?\n\nChannel 1: Worst worst thing that they could have done is to to have him as, you know,\n\nChannel 0: Yeah. Yep.\n\nChannel 1: lay\n\nChannel 0: I\n\nChannel 1: down.\n\nChannel 0: understand.\n\nChannel 1: Anyway\n\nChannel 0: Yeah. We'll we'll go with it and see what happens. All good. That's essentially running through the majority of the recommendations there. The other one I did wanna go to is canceling your life and TBD.\n\nSo by rolling the funds into hub 24, you will notice on that fee table above there that we didn't have anything for the insurance premium. So as we kinda discussed, you've got a very small amount of life and TPD in your ART fund there at the moment, and you weren't sort of worried about it. We talked about what you have, your level of cover you sort of need, and what happens in the event of passing away. So that level of cover does decrease as you get closer to a age where ART will just cancel the policy. Because the only debt you have is the investment property.\n\nI mean, if anything was to happen, the investment property could be sold. The loan could be paid out. You've also got your super and your main primary residence there. So last time we spoke about it, you were happy to cancel that policy.\n\nChannel 1: Yes.\n\nChannel 0: So I am recommending we do cancel the cover. It is a very small amount of cover, and we put utilize the insurance premiums that you were paying for that. Keep it invested in your super and make sure we're we're making your super work a bit harder for you for your long\n\nChannel 1: Yes.\n\nChannel 0: term estate planning aspect. Okay?\n\nChannel 1: Yes.\n\nChannel 0: All good. The next thing to talk about is the the estate planning aspect side of things. So on page number 36, I've basically may also made a recommendation there in regard to your beneficiaries. So by moving you out of this AARP fund and into HUB 24, we do have to make sure that beneficiaries are nominated to both the super and the trans and retirement pension account. So I'm recommending that we do a binding, non lapsing beneficiary, which means it binds the trustee to follow your direction, And non lapsing means that you'd only have to fill out one form.\n\nIt stays on the account until you change or revoke that nomination, which is great. You don't have to keep filling it out every couple of years. And we review that with you each year as we're doing reviews so we can help you to determine when something needs to change or when that nomination needs to be updated. Okay? One of the things we discussed was making sure that in the event that something was to happen to you that through estate planning, you wanted everything to be paid out to your three sons Because they're non tax dependent, by having them nominated directly to your super means they can pay a bit of higher tax component.\n\nSo we are recommending it go to your legal personal representative. This essentially means that we take the LPR on the beneficiary nomination. And in the event that you would have passed away prematurely, a claim is made against your super and your pension account, and it is all just transferred to your estate. And then we just need to make sure that you have a will updated to reflect that to make sure that\n\nChannel 1: Mhmm.\n\nChannel 0: everything in your will is directed to your three sons in whatever capacity you prefer, whether it be equally or whether you wanted certain things to go to certain children to make sure it was all, you know, distributed as per your wishes. But having it done this way can be a much more tax effective way of doing it. It can mean that your beneficiaries pay a little bit less tax on the benefit, which can also mean that the distribution can be a lot more fair for them as well. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. So that's the recommendation with the beneficiary nominations. We do it as a binding non lapsing nomination. It stays on there. It still holds the trustee accountable, and LPR just means it goes to your\n\nChannel 1: Mhmm.\n\nChannel 0: estate. And then within your will, you can have it set up that it gets done equally, or you can have trust set up. You can\n\nChannel 1: Yep.\n\nChannel 0: you have a lot more control around how you have the benefit paid out to this to your threesomes there. Okay.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. I have also made a recommendation in here that we do make sure that your will is appropriate and that you do have it reviewed by a solicitor to make sure that it is fitting to your wishes and that it do get updated so often. I think a lot of people say to me that they have it set in place and it doesn't need to be updated, but your lot definitely changes, and your assets do change. And sometimes what we wanna give to our kids or how we want things to be directed to our kids can also change. So it is really important to have a solicitor review the will and probably even, you know, type up a new one for you just to make sure it is reflective of your wishes correctly and accurately.\n\nAnd part of the estate planning that's really important as well is the power of attorney aspect. So one of the things we do see quite a lot here is where someone's had an accident or might be in hospital, might even just be overseas and they can't sort of talk to us. And having a power of attorney allows you to nominate someone that you feel is trustworthy\n\nChannel 1: Uh-huh.\n\nChannel 0: enough to make financial and or medical decisions on your behalf, if in the event that you're unable to make those decisions there. So\n\nChannel 1: Uh-huh.\n\nChannel 0: making\n\nChannel 1: Yes.\n\nChannel 0: sure as listed, it draws up a power of attorney as well as having a will is really important. And if\n\nChannel 1: Yes.\n\nChannel 0: you need to, we can always just say you through to one of our local solicitors. I can even just email you the details and the costing of the solicitors that we refer clients through to just to kinda\n\nChannel 1: Mhmm.\n\nChannel 0: have that conversation and give you some information to review there as well. Okay.\n\nChannel 1: Yes. Okay.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. That's essentially running through all the recommendations there. I know it's a lot, and I'm just so sorry. It's a lot to take in. You're welcome, as I said, to go back, have a really good read of everything.\n\nI'll send you an email contact, and you can always come back and ask me any questions. There's\n\nChannel 1: Mhmm.\n\nChannel 0: no\n\nChannel 1: Sure.\n\nChannel 0: such thing as a silly question. If it's on your mind and you want an answer to it, you send me an email, and I'll make sure I reply to that one for you.\n\nChannel 1: Yes.\n\nChannel 0: Okay?\n\nChannel 1: Yep. Sure. Sure.\n\nChannel 0: Yeah. Beautiful. Down on the remuneration section on page number 48, you'll see the remuneration side of things. As I mentioned, that on the sorry. Ongoing service fee is being reduced to 1.1 for you.\n\nThat stays that way. And then we've also got the the 3.3, which is the upfront implementation fee. It's only ever done on the first advice document, and we don't\n\nChannel 1: Mhmm.\n\nChannel 0: charge that ever again\n\nChannel 1: Mhmm.\n\nChannel 0: to any other advice that we provide. Okay.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Is there any questions that you might have at the moment at all or anything\n\nChannel 1: No.\n\nChannel 0: that's popped up recently? No?\n\nChannel 1: No. No. No. No.\n\nChannel 0: That's okay. I've also got on page 50 just a bit of an outline there for you on how the implementation works. So we start by rolling opening up your hub twenty four, rolling the funds out of ARC. That cancels the insurances all at once there for you. Once\n\nChannel 1: Mhmm.\n\nChannel 0: that's opened and and the funds are invested, then we'll open your TTR pension account. The one of the best things about opening up with Hub twenty four is our in space you transfer the investments across, so it's nice and easy to open up the pension account for you.\n\nChannel 1: Yes.\n\nChannel 0: We'll get the first drawdown figure set up and let you know when that's expected. Our team can then give you the salary sacrifice letter to pass to your employer to increase your contributions there. And\n\nChannel 1: Yes.\n\nChannel 0: then after we've got that sort of working for you, we'll get your beneficiary nominations set up. Our team can help to pre fill those to make it easier for you. And then if you need to speak to a solicitor, we can always provide the referral and all the information there. And then we'll do regular reviews and catch ups. We do a full review every twelve months, but we can do catch ups with you as often as you like to make sure that we're reviewing everything and keeping you in the loop and updating the advice as it needs to be updated and changed.\n\nChannel 1: Mhmm.\n\nChannel 0: Okay.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Yeah. Beautiful. I will that's basically everything I need to go through with you. I will let you go back and have a really good read because I know it's sometimes a lot to have someone taking you through the document looking at certain pages, and\n\nChannel 1: Yep.\n\nChannel 0: there's a lot of information and numbers and things in there. I'll let you go back and have a really good read there. If there's any questions you have, let me know, and I'm more than happy to help you out.\n\nChannel 1: Yes.\n\nChannel 0: Just to let you know, Vivian, I am on leave next week, so I'm here until Wednesday. But I will have my emails on me, and I do check them throughout every so often. So\n\nChannel 1: Sure.\n\nChannel 0: email me\n\nChannel 1: Yeah.\n\nChannel 0: at any time, and I'll get back to you before Wednesday if I see the\n\nChannel 1: Yeah.\n\nChannel 0: email before if it comes in before then. But if it's next week, I'll jump on and try to get back to you as quickly as I possibly can.\n\nChannel 1: Yeah.\n\nChannel 0: Okay.\n\nChannel 1: Sure. No. No problem.\n\nChannel 0: Yeah.\n\nChannel 1: Enjoy your leave.\n\nChannel 0: Oh, thank you. Looking forward to seeing my husband's family and having a bit of time\n\nChannel 1: Yeah.\n\nChannel 0: with my son next week. But\n\nChannel 1: Oh,\n\nChannel 0: I'll\n\nChannel 1: lovely.\n\nChannel 0: be back I'll be back from the thirteenth there\n\nChannel 1: Wonderful.\n\nChannel 0: as well. So I do take my laptop with me, and I'm a little bit of a workaholic. So I will reply to those emails over course of the week as I do see\n\nChannel 1: Sure.\n\nChannel 0: them if there's anything you\n\nChannel 1: Sure.\n\nChannel 0: need. Okay.\n\nChannel 1: Alright. Thank you.\n\nChannel 0: That's okay. Thank you so much for your time today. I know it's a lot. Take some time to have her read through the document again. Just let me know if there's anything you need, and I'll make sure the girls do touch base.\n\nMaddie and Jordan will call just to sort of follow-up over the next few days as well. Okay?\n\nChannel 1: No problem.\n\nChannel 0: Beautiful. If you're really into the reading aspect of it, attached to the email there, I've also got the product disclosure statements for hub twenty four. We've\n\nChannel 1: Uh-huh.\n\nChannel 0: also got for you the appendix which shows you any additional research we've completed with regards to the recommendations. We've also got our financial services guides attached there for you, and I've also attached the copy of the SOA there. On the email underneath this document, we also do attach the initial implementation document. So if you are happy to take the recommendations and come on board, I'm looking so much forward to helping you out and getting you know, working towards your goals there. We do have the application for Hub 24, which has all the information prefilled.\n\nWe also do a lost\n\nChannel 1: Mhmm.\n\nChannel 0: super search for you. So we you to sign one of those. We send that out to the ATO and get them to to go back into the\n\nChannel 1: Mhmm.\n\nChannel 0: ATO and see if there's any lost super or any money from, you know, back when that they may have held or found. We also do have a tax file opt in form, so it's really important when we open Super that we do have your tax file number on file. So that form\n\nChannel 1: Yes.\n\nChannel 0: is attached then. It explains how and why we have your tax file number. Everything is held under privacy and security, so it is a lot of privacy record requirements that we undertake. Moving forward, when you come on board, we'll essentially do security with you when you call us or we call you. We'll ask if you wanna have a password\n\nChannel 1: No.\n\nChannel 0: on file or if you're just\n\nChannel 1: Yes.\n\nChannel 0: comfortable using a three point security check. So it's about having extra security in place to make sure that we're not giving any information to anyone, and we're very\n\nChannel 1: Yeah.\n\nChannel 0: security\n\nChannel 1: Yeah.\n\nChannel 0: conscious\n\nChannel 1: Yeah.\n\nChannel 0: here as\n\nChannel 1: Cool.\n\nChannel 0: a business. Okay?\n\nChannel 1: Perfect.\n\nChannel 0: Beautiful. So feel free to run your eyes over all those documents there. If you have any questions, let me know. And, yeah, PDFs are attached if you're interested and wanna run your eyes to the product disclosure statements as well.\n\nChannel 1: Yep. No problem. Thank you so much for the call. Really appreciate it.\n\nChannel 0: No. That's absolutely okay, Vivian. Thank you so much for your time today. I really appreciate you taking the call, and I hope you have a good day and a great week.\n\nChannel 1: Thank you. You too.\n\nChannel 0: Thanks. Talk\n\nChannel 1: Take\n\nChannel 0: to\n\nChannel 1: care.\n\nChannel 0: you soon. My\n\nChannel 1: Bye\n\nChannel 0: pleasure.\n\nChannel 1: bye.\n\nChannel 0: See you later. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Good morning.","start":2.56,"end":3.1999998,"sentiment":"neutral","sentiment_score":0.3200135678052902},{"text":"Vivian speaking.","start":3.1999998,"end":4.26,"sentiment":"neutral","sentiment_score":0.1617809683084488}],"sentiment":"neutral","sentiment_score":0.2408972680568695,"channel":1,"num_words":4,"start":2.56,"end":4.26},{"sentences":[{"text":"Hi, Vivian.","start":4.88,"end":5.52,"sentiment":"neutral","sentiment_score":0.11147811263799667},{"text":"It's Dana from Oakview Financial.","start":5.52,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.12214161306619645}],"sentiment":"neutral","sentiment_score":0.11909489865813937,"channel":0,"num_words":7,"start":4.88,"end":7.3799996},{"sentences":[{"text":"Hi.","start":6.96,"end":7.46,"sentiment":"neutral","sentiment_score":0.12135959416627884}],"sentiment":"neutral","sentiment_score":0.12135959416627884,"channel":1,"num_words":1,"start":6.96,"end":7.46},{"sentences":[{"text":"How are you","start":7.44,"end":7.9199996,"sentiment":"neutral","sentiment_score":0.14843293279409409}],"sentiment":"neutral","sentiment_score":0.14843293279409409,"channel":0,"num_words":3,"start":7.44,"end":7.9199996},{"sentences":[{"text":"I'm","start":7.7599998,"end":8.26,"sentiment":"neutral","sentiment_score":0.11547555029392242}],"sentiment":"neutral","sentiment_score":0.11547555029392242,"channel":1,"num_words":1,"start":7.7599998,"end":8.26},{"sentences":[{"text":"this morning?","start":7.9199996,"end":8.58,"sentiment":"neutral","sentiment_score":0.10524426773190498}],"sentiment":"neutral","sentiment_score":0.10524426773190498,"channel":0,"num_words":2,"start":7.9199996,"end":8.58},{"sentences":[{"text":"so sorry.","start":8.96,"end":9.76,"sentiment":"neutral","sentiment_score":-0.169100321829319},{"text":"Our meeting took a little bit longer than what I expected.","start":9.76,"end":13.38,"sentiment":"negative","sentiment_score":-0.36380287463014777},{"text":"Apologies","start":13.945,"end":14.424999,"sentiment":"neutral","sentiment_score":-0.18587945401668549}],"sentiment":"neutral","sentiment_score":-0.32327940847192493,"channel":1,"num_words":14,"start":8.96,"end":14.424999},{"sentences":[{"text":"Yeah.","start":14.095,"end":14.595,"sentiment":"neutral","sentiment_score":-0.1034609079360962}],"sentiment":"neutral","sentiment_score":-0.1034609079360962,"channel":0,"num_words":1,"start":14.095,"end":14.595},{"sentences":[{"text":"for that.","start":14.424999,"end":15.405,"sentiment":"neutral","sentiment_score":-0.1172897033393383}],"sentiment":"neutral","sentiment_score":-0.1172897033393383,"channel":1,"num_words":2,"start":14.424999,"end":15.405},{"sentences":[{"text":"No.","start":15.215,"end":15.455,"sentiment":"neutral","sentiment_score":-0.0051757171750068665},{"text":"That's absolutely fine.","start":15.455,"end":16.655,"sentiment":"neutral","sentiment_score":0.26869810620943707},{"text":"It's not a problem at all.","start":16.655,"end":18.355,"sentiment":"neutral","sentiment_score":0.23530000944932303},{"text":"I did is now still a good time to go negotiate the statement of advice, or is there a better","start":18.815,"end":23.375,"sentiment":"neutral","sentiment_score":0.06859116954728961}],"sentiment":"neutral","sentiment_score":0.11948473496983449,"channel":0,"num_words":30,"start":15.215,"end":23.375},{"sentences":[{"text":"Yes.","start":23.064999,"end":23.564999,"sentiment":"neutral","sentiment_score":0.01004546694457531}],"sentiment":"neutral","sentiment_score":0.01004546694457531,"channel":1,"num_words":1,"start":23.064999,"end":23.564999},{"sentences":[{"text":"time that you wanted me to call back?","start":23.375,"end":24.814999,"sentiment":"neutral","sentiment_score":-0.008288701181299984},{"text":"Or","start":24.814999,"end":25.314999,"sentiment":"neutral","sentiment_score":-0.01906770095229149}],"sentiment":"neutral","sentiment_score":-0.009486367822521262,"channel":0,"num_words":9,"start":23.375,"end":25.314999},{"sentences":[{"text":"No.","start":25.305,"end":25.625,"sentiment":"neutral","sentiment_score":-0.044477980583906174},{"text":"No.","start":25.625,"end":25.705,"sentiment":"neutral","sentiment_score":-0.02420720085501671},{"text":"No.","start":25.705,"end":25.865,"sentiment":"neutral","sentiment_score":0.008742058649659157},{"text":"No problem.","start":25.865,"end":26.505,"sentiment":"neutral","sentiment_score":0.11413126438856125}],"sentiment":"neutral","sentiment_score":0.03366388119757176,"channel":1,"num_words":5,"start":25.305,"end":26.505},{"sentences":[{"text":"Sounds","start":26.439999,"end":26.759998,"sentiment":"neutral","sentiment_score":0.15540233254432678}],"sentiment":"neutral","sentiment_score":0.15540233254432678,"channel":0,"num_words":1,"start":26.439999,"end":26.759998},{"sentences":[{"text":"If you have","start":26.505,"end":27.064999,"sentiment":"neutral","sentiment_score":0.2405992498000463}],"sentiment":"neutral","sentiment_score":0.2405992498000463,"channel":1,"num_words":3,"start":26.505,"end":27.064999},{"sentences":[{"text":"good.","start":26.759998,"end":27.259998,"sentiment":"neutral","sentiment_score":0.2640659809112549}],"sentiment":"neutral","sentiment_score":0.2640659809112549,"channel":0,"num_words":1,"start":26.759998,"end":27.259998},{"sentences":[{"text":"time, I appreciate","start":27.064999,"end":27.965,"sentiment":"neutral","sentiment_score":0.2990795324246089}],"sentiment":"neutral","sentiment_score":0.2990795324246089,"channel":1,"num_words":3,"start":27.064999,"end":27.965},{"sentences":[{"text":"Yeah.","start":27.96,"end":28.46,"sentiment":"neutral","sentiment_score":0.2740752398967743}],"sentiment":"neutral","sentiment_score":0.2740752398967743,"channel":0,"num_words":1,"start":27.96,"end":28.46},{"sentences":[{"text":"it.","start":28.025,"end":28.525,"sentiment":"neutral","sentiment_score":0.21380570530891416}],"sentiment":"neutral","sentiment_score":0.21380570530891416,"channel":1,"num_words":1,"start":28.025,"end":28.525},{"sentences":[{"text":"Absolutely.","start":28.84,"end":29.34,"sentiment":"neutral","sentiment_score":0.25164514780044556},{"text":"Not a problem at all.","start":29.72,"end":31.099998,"sentiment":"neutral","sentiment_score":0.17743876576423645},{"text":"What I normally do is I send through the document to you just by email there.","start":31.16,"end":35.48,"sentiment":"neutral","sentiment_score":0.08207731321454048},{"text":"Do you have access to your emails at the moment?","start":35.48,"end":37.66,"sentiment":"neutral","sentiment_score":0.027524802647531033}],"sentiment":"neutral","sentiment_score":0.08522887545404956,"channel":0,"num_words":32,"start":28.84,"end":37.66},{"sentences":[{"text":"I do.","start":38.35,"end":38.989998,"sentiment":"neutral","sentiment_score":0.08313324674963951},{"text":"Yes.","start":38.989998,"end":39.489998,"sentiment":"neutral","sentiment_score":0.13393789529800415}],"sentiment":"neutral","sentiment_score":0.10006812959909439,"channel":1,"num_words":3,"start":38.35,"end":39.489998},{"sentences":[{"text":"Yep.","start":39.305,"end":39.805,"sentiment":"neutral","sentiment_score":0.22920501232147217},{"text":"Beautiful.","start":39.865,"end":40.345,"sentiment":"positive","sentiment_score":0.585107147693634},{"text":"Lovely.","start":40.345,"end":40.665,"sentiment":"positive","sentiment_score":0.5855969190597534},{"text":"I'm just gonna send it through so you can have a look at the document as we are going through.","start":40.665,"end":43.865,"sentiment":"positive","sentiment_score":0.35625713765621186},{"text":"It just makes it a little bit easier there.","start":43.865,"end":45.805,"sentiment":"positive","sentiment_score":0.374608662393358}],"sentiment":"positive","sentiment_score":0.3717665560543537,"channel":0,"num_words":32,"start":39.305,"end":45.805},{"sentences":[{"text":"I do also just have to let you know we do record our calls for quality and training purposes moving forward.","start":46.025,"end":50.665,"sentiment":"neutral","sentiment_score":0.15934928506612778},{"text":"Are you comfortable with that?","start":50.665,"end":52.205,"sentiment":"neutral","sentiment_score":0.12013322710990906}],"sentiment":"neutral","sentiment_score":0.15180773545916265,"channel":0,"num_words":26,"start":46.025,"end":52.205},{"sentences":[{"text":"Absolutely.","start":52.745,"end":53.245,"sentiment":"neutral","sentiment_score":0.2724457383155823}],"sentiment":"neutral","sentiment_score":0.2724457383155823,"channel":1,"num_words":1,"start":52.745,"end":53.245},{"sentences":[{"text":"Lovely.","start":54.42,"end":54.82,"sentiment":"positive","sentiment_score":0.408403605222702},{"text":"Thank you so much.","start":54.82,"end":55.859997,"sentiment":"positive","sentiment_score":0.4861838221549988},{"text":"How was your weekend?","start":55.859997,"end":57.0,"sentiment":"neutral","sentiment_score":0.3040367662906647}],"sentiment":"positive","sentiment_score":0.3965873287783729,"channel":0,"num_words":9,"start":54.42,"end":57.0},{"sentences":[{"text":"Yeah.","start":58.73,"end":59.050003,"sentiment":"neutral","sentiment_score":0.1608145236968994},{"text":"Lovely.","start":59.050003,"end":59.530003,"sentiment":"neutral","sentiment_score":0.2520940899848938},{"text":"Thank 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remain invested for 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quickly.","start":790.185,"end":803.32495,"sentiment":"neutral","sentiment_score":0.32650028931540115},{"text":"Okay?","start":803.46497,"end":803.96497,"sentiment":"neutral","sentiment_score":0.12072676420211792}],"sentiment":"neutral","sentiment_score":0.32182361829009926,"channel":0,"num_words":44,"start":790.185,"end":803.96497},{"sentences":[{"text":"Yes.","start":804.695,"end":805.195,"sentiment":"neutral","sentiment_score":0.16302236914634705}],"sentiment":"neutral","sentiment_score":0.16302236914634705,"channel":1,"num_words":1,"start":804.695,"end":805.195},{"sentences":[{"text":"Once we've done that, then we open up the pension account, and we roll that $1.52 into the pension account.","start":805.19,"end":810.97003,"sentiment":"neutral","sentiment_score":0.18160852715373038},{"text":"We then start the drawdowns, and then we let you know when the first drawdown is, and we get you to start increasing your 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your where your take home pay is negatively affected.","start":1202.0049,"end":1206.4249,"sentiment":"neutral","sentiment_score":-0.3209880143404007}],"sentiment":"neutral","sentiment_score":0.029847971784571808,"channel":0,"num_words":72,"start":1186.17,"end":1206.4249},{"sentences":[{"text":"So I like to make sure we're replenishing your income first, then we increase your contributions in.","start":1206.485,"end":1212.15,"sentiment":"neutral","sentiment_score":0.17307509964003281},{"text":"That way, you're not, you know, left behind with expenditure and things","start":1212.39,"end":1215.51,"sentiment":"neutral","sentiment_score":0.07173878327012062}],"sentiment":"neutral","sentiment_score":0.13114283079731054,"channel":0,"num_words":29,"start":1206.485,"end":1215.51},{"sentences":[{"text":"Yeah.","start":1215.435,"end":1215.935,"sentiment":"neutral","sentiment_score":0.019991016015410423}],"sentiment":"neutral","sentiment_score":0.019991016015410423,"channel":1,"num_words":1,"start":1215.435,"end":1215.935},{"sentences":[{"text":"like that.","start":1215.51,"end":1215.99,"sentiment":"neutral","sentiment_score":0.03456524945795536},{"text":"Does 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along.","start":1221.27,"end":1224.87,"sentiment":"neutral","sentiment_score":0.05228891068448623},{"text":"It's page number 24.","start":1224.87,"end":1226.495,"sentiment":"neutral","sentiment_score":0.05114748515188694},{"text":"This essentially","start":1226.495,"end":1227.215,"sentiment":"neutral","sentiment_score":0.05473263934254646}],"sentiment":"neutral","sentiment_score":0.05230678597258197,"channel":0,"num_words":18,"start":1221.27,"end":1227.215},{"sentences":[{"text":"Mhmm.","start":1227.19,"end":1227.69,"sentiment":"neutral","sentiment_score":0.07371951639652252}],"sentiment":"neutral","sentiment_score":0.07371951639652252,"channel":1,"num_words":1,"start":1227.19,"end":1227.69},{"sentences":[{"text":"shows you the numbers of what we're looking at.","start":1227.215,"end":1229.5349,"sentiment":"neutral","sentiment_score":0.060657326545980245},{"text":"Okay?","start":1229.5349,"end":1230.0349,"sentiment":"neutral","sentiment_score":0.06670762598514557}],"sentiment":"neutral","sentiment_score":0.06126235648989677,"channel":0,"num_words":10,"start":1227.215,"end":1230.0349},{"sentences":[{"text":"Yep.","start":1232.745,"end":1233.245,"sentiment":"neutral","sentiment_score":0.16453427076339722}],"sentiment":"neutral","sentiment_score":0.16453427076339722,"channel":1,"num_words":1,"start":1232.745,"end":1233.245},{"sentences":[{"text":"Beautiful.","start":1233.615,"end":1234.115,"sentiment":"positive","sentiment_score":0.35138174891471863},{"text":"So we're looking at your current contributions at the top there, and, essentially, this is how it'll work the pension analysis.","start":1234.495,"end":1240.0349,"sentiment":"neutral","sentiment_score":0.1494622759166218},{"text":"So we start off with a source of funds of $2.42 $3.05 6 and 11¢.","start":1240.17,"end":1245.2301,"sentiment":"neutral","sentiment_score":0.06693896757704872},{"text":"We'll roll a $152,004.00 6 into the pension phase account, and we'll leave about 85,000 behind in the accumulation phase.","start":1245.6901,"end":1254.375,"sentiment":"neutral","sentiment_score":0.03670452740043402},{"text":"And then we've also got the drawdown, the TTR pension income amount.","start":1255.095,"end":1259.115,"sentiment":"neutral","sentiment_score":0.03524435653040806}],"sentiment":"neutral","sentiment_score":0.08212143993552994,"channel":0,"num_words":69,"start":1233.615,"end":1259.115},{"sentences":[{"text":"The table underneath that shows your current position versus what we're recommended, so you can essentially see the difference and how we keep your take home paying net about the same amount there.","start":1259.335,"end":1268.715,"sentiment":"neutral","sentiment_score":0.1431597550258492},{"text":"So we've worked out your salary based on what you've been earning and averaged it out to see what we're expecting you would get.","start":1268.84,"end":1275.08,"sentiment":"neutral","sentiment_score":0.16556792768339315},{"text":"And then we've also looked at your current contributions to salary sacrifice because you're currently making some salary sacrifice contributions in there.","start":1275.08,"end":1281.98,"sentiment":"neutral","sentiment_score":0.049899690530516884},{"text":"So we essentially increase that so that over the course of the twelve months, you put in an extra 14,300 total, and that","start":1282.12,"end":1289.875,"sentiment":"neutral","sentiment_score":0.1269550349401391}],"sentiment":"neutral","sentiment_score":0.12466334485832382,"channel":0,"num_words":102,"start":1259.335,"end":1289.875},{"sentences":[{"text":"Mhmm.","start":1289.65,"end":1290.15,"sentiment":"neutral","sentiment_score":0.08065788447856903}],"sentiment":"neutral","sentiment_score":0.08065788447856903,"channel":1,"num_words":1,"start":1289.65,"end":1290.15},{"sentences":[{"text":"reduces your take home or your taxable income.","start":1289.875,"end":1293.1749,"sentiment":"neutral","sentiment_score":0.009619327494874597},{"text":"So at the moment, it's reduced to about a 103,000, whereas after this increase in the contributions, reduces it back to 94,000.","start":1293.3949,"end":1301.01,"sentiment":"neutral","sentiment_score":0.04236536083573645}],"sentiment":"neutral","sentiment_score":0.03363308527817329,"channel":0,"num_words":30,"start":1289.875,"end":1301.01},{"sentences":[{"text":"Uh-huh.","start":1301.7749,"end":1302.2749,"sentiment":"neutral","sentiment_score":0.01676597073674202}],"sentiment":"neutral","sentiment_score":0.01676597073674202,"channel":1,"num_words":1,"start":1301.7749,"end":1302.2749},{"sentences":[{"text":"You've got your amount of tax.","start":1301.79,"end":1304.03,"sentiment":"neutral","sentiment_score":-0.05474755478401979},{"text":"Obviously, the tax at the moment is higher than what you would have by increasing your contributions in the super, and then you've got your net take home pay.","start":1304.03,"end":1311.745,"sentiment":"neutral","sentiment_score":-0.07001982699951222},{"text":"So at the moment, your salary minus the contributions going in minus the tax leaves you with about 79,342.","start":1311.745,"end":1320.9651,"sentiment":"neutral","sentiment_score":-0.022084485739469528},{"text":"Because","start":1321.265,"end":1321.745,"sentiment":"neutral","sentiment_score":0.04122413694858551}],"sentiment":"neutral","sentiment_score":-0.049771661887114696,"channel":0,"num_words":55,"start":1301.79,"end":1321.745},{"sentences":[{"text":"Yes.","start":1321.565,"end":1322.065,"sentiment":"neutral","sentiment_score":0.09634958207607268}],"sentiment":"neutral","sentiment_score":0.09634958207607268,"channel":1,"num_words":1,"start":1321.565,"end":1322.065},{"sentences":[{"text":"with with the increase in the contributions in, it actually reduces your net income back to about 73,154.","start":1321.745,"end":1329.38,"sentiment":"neutral","sentiment_score":0.10838490248554283},{"text":"So we wanna replenish that back to that $79,003.04 2.","start":1329.38,"end":1333.46,"sentiment":"neutral","sentiment_score":0.10642115548253059},{"text":"So in order to do that, we only have to draw out $6,188 on a yearly basis.","start":1333.46,"end":1339.64,"sentiment":"neutral","sentiment_score":0.08736265428802546},{"text":"That's about $238 on a fortnightly basis.","start":1340.155,"end":1343.455,"sentiment":"neutral","sentiment_score":0.12584269153220312},{"text":"And then that brings your net take home pay back to that $79,003.42.","start":1343.835,"end":1348.635,"sentiment":"neutral","sentiment_score":0.13077792840508315}],"sentiment":"neutral","sentiment_score":0.1089433358838925,"channel":0,"num_words":65,"start":1321.745,"end":1348.635},{"sentences":[{"text":"So","start":1348.635,"end":1349.135,"sentiment":"neutral","sentiment_score":0.09360359609127045}],"sentiment":"neutral","sentiment_score":0.09360359609127045,"channel":0,"num_words":1,"start":1348.635,"end":1349.135},{"sentences":[{"text":"Yes.","start":1349.7101,"end":1350.2101,"sentiment":"neutral","sentiment_score":0.19807493686676023}],"sentiment":"neutral","sentiment_score":0.19807493686676023,"channel":1,"num_words":1,"start":1349.7101,"end":1350.2101},{"sentences":[{"text":"it's essentially starting with your income now, looking at what you're putting in now, increasing the contributions up to the cap, we're maximizing what we're putting in the super.","start":1349.755,"end":1358.7101,"sentiment":"neutral","sentiment_score":0.24369013412245388},{"text":"And then because of the way tax works, we don't have to draw as much out to replenish your income, and it keeps your take home pay about the same there.","start":1358.93,"end":1366.8501,"sentiment":"neutral","sentiment_score":0.1387364532678358},{"text":"Does that make sense?","start":1366.8501,"end":1367.99,"sentiment":"neutral","sentiment_score":0.07227305695414543}],"sentiment":"neutral","sentiment_score":0.18213962763547897,"channel":0,"num_words":64,"start":1349.755,"end":1367.99},{"sentences":[{"text":"Yep.","start":1368.2899,"end":1368.69,"sentiment":"neutral","sentiment_score":0.12347565591335297},{"text":"Makes 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I'll","start":1389.665,"end":1392.145,"sentiment":"neutral","sentiment_score":-0.0035311246497763526}],"sentiment":"neutral","sentiment_score":-0.0035311246497763526,"channel":1,"num_words":9,"start":1389.665,"end":1392.145},{"sentences":[{"text":"It","start":1392.0599,"end":1392.5399,"sentiment":"neutral","sentiment_score":-0.02759603038430214}],"sentiment":"neutral","sentiment_score":-0.02759603038430214,"channel":0,"num_words":1,"start":1392.0599,"end":1392.5399},{"sentences":[{"text":"I'll probably","start":1392.145,"end":1392.885,"sentiment":"neutral","sentiment_score":-0.00585884228348732}],"sentiment":"neutral","sentiment_score":-0.00585884228348732,"channel":1,"num_words":2,"start":1392.145,"end":1392.885},{"sentences":[{"text":"is.","start":1392.5399,"end":1393.0399,"sentiment":"neutral","sentiment_score":-0.022792115807533264}],"sentiment":"neutral","sentiment_score":-0.022792115807533264,"channel":0,"num_words":1,"start":1392.5399,"end":1393.0399},{"sentences":[{"text":"just need some time to, you 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sink in.","start":1396.92,"end":1398.9401,"sentiment":"neutral","sentiment_score":0.08646123430558614}],"sentiment":"neutral","sentiment_score":0.08646123430558614,"channel":1,"num_words":7,"start":1396.92,"end":1398.9401},{"sentences":[{"text":"Absolutely.","start":1399.325,"end":1399.825,"sentiment":"positive","sentiment_score":0.6701153516769409},{"text":"As I sort of mentioned before, we do have the strategy written out above for you, and you'll be able to go through those individually.","start":1400.765,"end":1406.945,"sentiment":"positive","sentiment_score":0.396572168469429},{"text":"We put these tables in here to kinda give you a guide and show you the numbers and how it all kind of works so it's a bit of a visual.","start":1407.725,"end":1413.72,"sentiment":"positive","sentiment_score":0.3448513203090237},{"text":"But above, you'll also see as you're going through the strategies and reading through the document, we've got the advantages, the disadvantages, and the risks involved.","start":1414.1799,"end":1421.08,"sentiment":"neutral","sentiment_score":0.2053057495952369},{"text":"We've also got alternatives that we've considered there as well, and we also have a best interest duty statement.","start":1421.38,"end":1426.5,"sentiment":"neutral","sentiment_score":0.2740928522850338}],"sentiment":"neutral","sentiment_score":0.3119659232929824,"channel":0,"num_words":102,"start":1399.325,"end":1426.5},{"sentences":[{"text":"So one of the things is making sure that the recommendations are there to meet your goals.","start":1426.5,"end":1431.155,"sentiment":"positive","sentiment_score":0.4531127442331875},{"text":"Essentially, I can say that these recommendations are in your best interest because Hub twenty four, when we look at the changeover, is actually saving you in fees from where you are at the moment.","start":1431.4551,"end":1441.395,"sentiment":"positive","sentiment_score":0.4633262923785618},{"text":"You're wanting to sort of look at retiring in your late sixties.","start":1441.9,"end":1444.54,"sentiment":"positive","sentiment_score":0.35873330011963844},{"text":"We talked about age 67 when you're able to also access the age pension there as well.","start":1444.54,"end":1449.82,"sentiment":"neutral","sentiment_score":0.26656342867542715},{"text":"So moving into more of a balanced portfolio with invest interest because we're reducing the risk level you're taking.","start":1449.82,"end":1455.82,"sentiment":"neutral","sentiment_score":0.3300248266834962}],"sentiment":"positive","sentiment_score":0.390261864811182,"channel":0,"num_words":100,"start":1426.5,"end":1455.82},{"sentences":[{"text":"There is a lot of volatility out there in the market at the moment, so reducing your risk level now is really good and important for helping to do that.","start":1455.82,"end":1463.6349,"sentiment":"neutral","sentiment_score":0.26577106962601343},{"text":"The recommendations of making putting more into super to have it invested is in your best interest because we're putting more in there, keeping it invested and compounding now as opposed to doing it down the","start":1464.735,"end":1474.48,"sentiment":"positive","sentiment_score":0.5249654327829679}],"sentiment":"positive","sentiment_score":0.4071498131661704,"channel":0,"num_words":66,"start":1455.82,"end":1474.48},{"sentences":[{"text":"Yes.","start":1474.4451,"end":1474.9451,"sentiment":"positive","sentiment_score":0.6011096835136414}],"sentiment":"positive","sentiment_score":0.6011096835136414,"channel":1,"num_words":1,"start":1474.4451,"end":1474.9451},{"sentences":[{"text":"track has a greater advantage for 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us.","start":1494.495,"end":1495.875,"sentiment":"neutral","sentiment_score":-0.05366968456655741}],"sentiment":"neutral","sentiment_score":-0.052342530339956284,"channel":1,"num_words":5,"start":1494.3351,"end":1495.875},{"sentences":[{"text":"that's it.","start":1496.84,"end":1497.74,"sentiment":"neutral","sentiment_score":-0.07572414726018906},{"text":"So life is extremely expensive out there, so we don't wanna negatively impact your income very much.","start":1497.7999,"end":1502.9199,"sentiment":"neutral","sentiment_score":-0.26587497399133797},{"text":"You've also got your investment property, which you're is negatively geared and you're putting money towards as well.","start":1502.9199,"end":1507.72,"sentiment":"negative","sentiment_score":-0.3683757873045074},{"text":"So it's really important that those are the factors that are taken into consideration.","start":1507.72,"end":1511.415,"sentiment":"neutral","sentiment_score":-0.1626446938940457},{"text":"Okay.","start":1511.715,"end":1512.215,"sentiment":"neutral","sentiment_score":0.06510835140943527}],"sentiment":"neutral","sentiment_score":-0.2598846997492589,"channel":0,"num_words":52,"start":1496.84,"end":1512.215},{"sentences":[{"text":"Yes.","start":1513.35,"end":1513.85,"sentiment":"neutral","sentiment_score":0.2695576548576355}],"sentiment":"neutral","sentiment_score":0.2695576548576355,"channel":1,"num_words":1,"start":1513.35,"end":1513.85},{"sentences":[{"text":"Beautiful.","start":1513.875,"end":1514.375,"sentiment":"positive","sentiment_score":0.4663337171077728},{"text":"So that's essentially the recommendations with the super there.","start":1515.235,"end":1517.795,"sentiment":"neutral","sentiment_score":0.2709861993789673},{"text":"We're gonna move you out of ART, move you into hub 24.","start":1517.795,"end":1520.915,"sentiment":"neutral","sentiment_score":0.1550660952925682},{"text":"We start off in accumulation.","start":1520.915,"end":1522.135,"sentiment":"neutral","sentiment_score":0.09922864437103271},{"text":"We have the funds invested for you.","start":1522.53,"end":1524.7101,"sentiment":"neutral","sentiment_score":0.18963063188961574}],"sentiment":"neutral","sentiment_score":0.1938105970621109,"channel":0,"num_words":34,"start":1513.875,"end":1524.7101},{"sentences":[{"text":"I've explained the fees, and you're welcome to come back and ask any additional questions.","start":1524.93,"end":1528.55,"sentiment":"neutral","sentiment_score":0.31640152136484784},{"text":"With the upfront implementation fee, that's a one off only fee.","start":1529.01,"end":1532.2101,"sentiment":"neutral","sentiment_score":0.21610027958046307},{"text":"We don't charge that per advice documents.","start":1532.2101,"end":1534.29,"sentiment":"neutral","sentiment_score":0.20129886163132532},{"text":"You pay it for once when you're onboarding, and then we never charge that again.","start":1534.29,"end":1538.23,"sentiment":"neutral","sentiment_score":0.19951195369164149},{"text":"The ongoing service fee allows us to continue providing advice by looking and monitoring your super fund, the investments, making alterations, and updating advice moving forward as well, and that's all included in the in that ongoing service fee.","start":1538.745,"end":1551.705,"sentiment":"neutral","sentiment_score":0.29843960243922013}],"sentiment":"neutral","sentiment_score":0.26625335319288845,"channel":0,"num_words":87,"start":1524.93,"end":1551.705},{"sentences":[{"text":"Okay?","start":1551.705,"end":1552.205,"sentiment":"neutral","sentiment_score":0.09269937872886658}],"sentiment":"neutral","sentiment_score":0.09269937872886658,"channel":0,"num_words":1,"start":1551.705,"end":1552.205},{"sentences":[{"text":"Yes.","start":1552.7,"end":1553.2,"sentiment":"neutral","sentiment_score":0.28701457381248474}],"sentiment":"neutral","sentiment_score":0.28701457381248474,"channel":1,"num_words":1,"start":1552.7,"end":1553.2},{"sentences":[{"text":"Beautiful.","start":1553.96,"end":1554.46,"sentiment":"positive","sentiment_score":0.5256937742233276},{"text":"Once we have that super fund open, the funds are nicely invested for you, then we open up the TTR pension account.","start":1555.6399,"end":1562.7599,"sentiment":"positive","sentiment_score":0.35806311531500384},{"text":"We'll roll the one fifty two four zero six into the pension account.","start":1562.7599,"end":1566.46,"sentiment":"neutral","sentiment_score":0.20181128611931434},{"text":"We'll let you know when the first drawdown is expected to happen.","start":1567.065,"end":1570.125,"sentiment":"neutral","sentiment_score":0.18610729773839316},{"text":"And then once that first drawdown has been made, then we'll get you to increase your contributions up into super.","start":1570.345,"end":1576.125,"sentiment":"neutral","sentiment_score":0.19388644471764566}],"sentiment":"neutral","sentiment_score":0.25202419849879604,"channel":0,"num_words":68,"start":1553.96,"end":1576.125},{"sentences":[{"text":"That way, you've got the first it's really important.","start":1576.265,"end":1578.345,"sentiment":"neutral","sentiment_score":0.2665705465608173},{"text":"I like to do it this way because if you just increase your contributions into super, you take home pay and your expenditure is reduced pretty significantly.","start":1578.345,"end":1585.88,"sentiment":"positive","sentiment_score":0.3364613867468304},{"text":"So I like to make sure you get your first payment into your account first.","start":1586.1799,"end":1590.26,"sentiment":"neutral","sentiment_score":0.23081446091334026},{"text":"It fixes up your you know, it it basically gives you a little bit of income first, then we increase your contributions back, and it has more of a a lesser effect on your expenditure to make it easier on you.","start":1590.26,"end":1602.355,"sentiment":"neutral","sentiment_score":0.32970298426907235},{"text":"Okay?","start":1602.355,"end":1602.855,"sentiment":"neutral","sentiment_score":0.10038843750953674}],"sentiment":"neutral","sentiment_score":0.30714000072530523,"channel":0,"num_words":93,"start":1576.265,"end":1602.855},{"sentences":[{"text":"Yes.","start":1603.2,"end":1603.6799,"sentiment":"neutral","sentiment_score":0.1641063094139099},{"text":"Yes.","start":1603.6799,"end":1604.1799,"sentiment":"neutral","sentiment_score":0.24717769026756287}],"sentiment":"neutral","sentiment_score":0.2056419998407364,"channel":1,"num_words":2,"start":1603.2,"end":1604.1799},{"sentences":[{"text":"Beautiful.","start":1604.195,"end":1604.695,"sentiment":"positive","sentiment_score":0.43885278701782227},{"text":"The to show you essentially what the portfolio looks like, if you can have a look at page number 30 for me, this is the recommended portfolio.","start":1606.275,"end":1615.23,"sentiment":"neutral","sentiment_score":0.23608624769581688},{"text":"The page after is essentially the pension account.","start":1615.53,"end":1617.93,"sentiment":"neutral","sentiment_score":0.14467054046690464},{"text":"They're exactly the same across both of them.","start":1617.93,"end":1620.41,"sentiment":"neutral","sentiment_score":0.22114764526486397},{"text":"We just like to note down as how how much should be invested between the two different accounts so you can sort of see what to expect 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that out and investing the funds as per the lows.","start":1635.7649,"end":1640.5,"sentiment":"neutral","sentiment_score":0.2576444923877716},{"text":"So this investment portfolio would save some funds in the cybersecurity area.","start":1640.5,"end":1644.6,"sentiment":"neutral","sentiment_score":0.28997285291552544},{"text":"We also have some European exposure there, some S and P 500, which is the top 500 companies in The US.","start":1645.1399,"end":1651.72,"sentiment":"neutral","sentiment_score":0.07870994526005927},{"text":"And there's a lot of volatility in the market at the moment.","start":1652.205,"end":1654.605,"sentiment":"neutral","sentiment_score":-0.20362743083387613}],"sentiment":"neutral","sentiment_score":0.13845301904233107,"channel":0,"num_words":83,"start":1629.845,"end":1654.605},{"sentences":[{"text":"There has been a bit of concern around those sorts of areas.","start":1654.605,"end":1657.265,"sentiment":"neutral","sentiment_score":-0.19835514575242996},{"text":"But long term, those investment areas and countries still have great long term growth, so we can definitely still see us investing in those areas.","start":1657.645,"end":1666.625,"sentiment":"neutral","sentiment_score":0.3251910191774368},{"text":"Okay?","start":1666.9249,"end":1667.4249,"sentiment":"neutral","sentiment_score":0.08323656767606735}],"sentiment":"neutral","sentiment_score":0.15349342889691653,"channel":0,"num_words":38,"start":1654.605,"end":1667.4249},{"sentences":[{"text":"Yeah.","start":1666.9299,"end":1667.4299,"sentiment":"neutral","sentiment_score":0.09522475302219392},{"text":"Yeah.","start":1667.49,"end":1667.99,"sentiment":"neutral","sentiment_score":0.1256515383720398}],"sentiment":"neutral","sentiment_score":0.11043814569711685,"channel":1,"num_words":2,"start":1666.9299,"end":1667.99},{"sentences":[{"text":"We have the Rafi a 200, which is the QoS 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the","start":1689.585,"end":1690.065,"sentiment":"neutral","sentiment_score":0.0801598560065031}],"sentiment":"neutral","sentiment_score":0.12780817346253864,"channel":0,"num_words":71,"start":1668.58,"end":1690.065},{"sentences":[{"text":"Hello?","start":1690.04,"end":1690.54,"sentiment":"neutral","sentiment_score":0.040538594126701355}],"sentiment":"neutral","sentiment_score":0.040538594126701355,"channel":1,"num_words":1,"start":1690.04,"end":1690.54},{"sentences":[{"text":"things I do like to point out with the a 200 and the S and P 500, whilst we understand that companies don't always fit that measure and that we do see a bit of volatility here, one of the things I like about","start":1690.065,"end":1702.42,"sentiment":"neutral","sentiment_score":0.05541629517789592}],"sentiment":"neutral","sentiment_score":0.05541629517789592,"channel":0,"num_words":44,"start":1690.065,"end":1702.42},{"sentences":[{"text":"Yes.","start":1702.375,"end":1702.875,"sentiment":"neutral","sentiment_score":0.29891514778137207}],"sentiment":"neutral","sentiment_score":0.29891514778137207,"channel":1,"num_words":1,"start":1702.375,"end":1702.875},{"sentences":[{"text":"those two investments particularly is that you are always invested in the top 500 with the S and P 500 or with the beta shares one of the top 200 companies in Australia.","start":1702.42,"end":1712.28,"sentiment":"neutral","sentiment_score":0.2372253347526897},{"text":"Both of those investments follow or track an index, and they're all passively managed.","start":1712.775,"end":1717.0951,"sentiment":"neutral","sentiment_score":0.23082632358585084},{"text":"So one of the good things is that the index meets every sort of quarter, and if companies don't meet the criteria to be in the top 500 or the top 200, then they are removed from that index, which means they're then removed from these investments, and other investments are moved or companies are moved in to replace them.","start":1717.0951,"end":1734.87,"sentiment":"neutral","sentiment_score":0.15384746774410207},{"text":"So you are always invested in the top 500 companies in The US or the top 200 companies in the 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really good.","start":1743.015,"end":1743.655,"sentiment":"positive","sentiment_score":0.5608757138252258},{"text":"It means that, essentially, when companies don't fit the criteria, they are removed.","start":1743.655,"end":1747.435,"sentiment":"neutral","sentiment_score":0.07253201964956063},{"text":"So you're not sitting in companies that are going down or going bust or anything like that.","start":1747.5751,"end":1752.295,"sentiment":"neutral","sentiment_score":-0.10592096057884834},{"text":"Okay?","start":1752.295,"end":1752.795,"sentiment":"neutral","sentiment_score":0.010082121007144451}],"sentiment":"neutral","sentiment_score":0.03047001093093838,"channel":0,"num_words":35,"start":1742.295,"end":1752.795},{"sentences":[{"text":"Yes.","start":1752.8151,"end":1753.3151,"sentiment":"neutral","sentiment_score":0.12172111868858336},{"text":"Yes.","start":1753.615,"end":1754.115,"sentiment":"neutral","sentiment_score":0.24281615018844604}],"sentiment":"neutral","sentiment_score":0.1822686344385147,"channel":1,"num_words":2,"start":1752.8151,"end":1754.115},{"sentences":[{"text":"Beautiful.","start":1754.07,"end":1754.57,"sentiment":"positive","sentiment_score":0.6421821117401123},{"text":"We also have some physical gold.","start":1755.19,"end":1757.03,"sentiment":"neutral","sentiment_score":0.29122425119082135},{"text":"So growth is gold is a growth investment.","start":1757.03,"end":1759.37,"sentiment":"neutral","sentiment_score":0.293296879157424},{"text":"However, it does tend to act defensively.","start":1759.4299,"end":1761.37,"sentiment":"neutral","sentiment_score":0.1741332028593336},{"text":"I know over the last year, gold has gone up a huge amount.","start":1761.83,"end":1765.51,"sentiment":"positive","sentiment_score":0.4779352889611171}],"sentiment":"positive","sentiment_score":0.34765696653297967,"channel":0,"num_words":35,"start":1754.07,"end":1765.51},{"sentences":[{"text":"It's been over 30% increase, which is great.","start":1765.51,"end":1768.305,"sentiment":"positive","sentiment_score":0.7007941603660583},{"text":"We all love a bit of gold, and I definitely do, to have where as well as invest in.","start":1768.785,"end":1774.405,"sentiment":"positive","sentiment_score":0.6718432040590989},{"text":"Gold essentially has seen great growth.","start":1775.1051,"end":1777.425,"sentiment":"positive","sentiment_score":0.6373588045438131},{"text":"We love it as a growth investment, but at times when markets are a bit volatile where shares aren't doing so well particularly, people like to move money into gold and use it as a bit of a safe haven.","start":1777.425,"end":1787.64,"sentiment":"positive","sentiment_score":0.4257964437827468},{"text":"So it does act defensively, and we utilize it in your portfolio as an alternative for growth, also defensive in nature as well.","start":1787.64,"end":1796.12,"sentiment":"positive","sentiment_score":0.4387489958949711}],"sentiment":"positive","sentiment_score":0.5137355379605045,"channel":0,"num_words":96,"start":1765.51,"end":1796.12},{"sentences":[{"text":"So we kinda use it both ways in the portfolio, which is really 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well.","start":1869.975,"end":1881.47,"sentiment":"neutral","sentiment_score":0.09217199225994674},{"text":"So","start":1881.47,"end":1881.97,"sentiment":"neutral","sentiment_score":0.26222309470176697}],"sentiment":"neutral","sentiment_score":0.12584087270700817,"channel":0,"num_words":103,"start":1851.16,"end":1881.97},{"sentences":[{"text":"Yep.","start":1881.9801,"end":1882.4801,"sentiment":"positive","sentiment_score":0.3835622668266296}],"sentiment":"positive","sentiment_score":0.3835622668266296,"channel":1,"num_words":1,"start":1881.9801,"end":1882.4801},{"sentences":[{"text":"having these sorts of things helps to lower the overall risk of of your portfolio and helps to smooth out long term market fluctuations as","start":1882.4299,"end":1889.415,"sentiment":"positive","sentiment_score":0.49763702630996703}],"sentiment":"positive","sentiment_score":0.49763702630996703,"channel":0,"num_words":25,"start":1882.4299,"end":1889.415},{"sentences":[{"text":"Yes.","start":1891.575,"end":1892.075,"sentiment":"neutral","sentiment_score":0.26653799414634705}],"sentiment":"neutral","sentiment_score":0.26653799414634705,"channel":1,"num_words":1,"start":1891.575,"end":1892.075},{"sentences":[{"text":"well.","start":1891.895,"end":1892.135,"sentiment":"neutral","sentiment_score":0.2528045177459717},{"text":"Okay?","start":1892.135,"end":1892.535,"sentiment":"neutral","sentiment_score":0.2594635486602783},{"text":"Beautiful.","start":1892.535,"end":1893.035,"sentiment":"positive","sentiment_score":0.5560619831085205},{"text":"Underneath that, you'll see the cash account there now where every super fund does have to hold a certain amount of minimal cash, and this one has to hold have 24 has to hold 1.25%.","start":1893.8151,"end":1904.3151,"sentiment":"neutral","sentiment_score":0.14328463311706272},{"text":"So it'd be about $1,062 within the super fund there.","start":1904.375,"end":1908.3,"sentiment":"neutral","sentiment_score":0.16528837382793427}],"sentiment":"neutral","sentiment_score":0.16117033222690225,"channel":0,"num_words":48,"start":1891.895,"end":1908.3},{"sentences":[{"text":"In the pension account, it'd be about 1,905, and that's so they don't have to be buying and selling investments all the time in order to pay things like administration fees, investment fees, and adviser fees, and things like that.","start":1908.36,"end":1920.995,"sentiment":"neutral","sentiment_score":0.11272472385317087},{"text":"So they have to hold a small amount of cash percentage for you.","start":1920.995,"end":1924.375,"sentiment":"neutral","sentiment_score":0.12112274937904798},{"text":"Okay?","start":1924.595,"end":1925.095,"sentiment":"neutral","sentiment_score":0.06035745143890381}],"sentiment":"neutral","sentiment_score":0.11377670643506227,"channel":0,"num_words":54,"start":1908.36,"end":1925.095},{"sentences":[{"text":"Yes.","start":1924.745,"end":1925.245,"sentiment":"neutral","sentiment_score":0.12050261348485948},{"text":"Yes.","start":1925.7051,"end":1926.2051,"sentiment":"neutral","sentiment_score":0.2016567587852478}],"sentiment":"neutral","sentiment_score":0.16107968613505363,"channel":1,"num_words":2,"start":1924.745,"end":1926.2051},{"sentences":[{"text":"Beautiful.","start":1926.515,"end":1927.015,"sentiment":"positive","sentiment_score":0.5476112365722656},{"text":"I try to keep that fairly brief of making sure I give you enough information.","start":1927.475,"end":1930.775,"sentiment":"neutral","sentiment_score":0.3173716763655345},{"text":"But do you have any questions about that area, about the investments particularly, or anything","start":1930.835,"end":1935.88,"sentiment":"neutral","sentiment_score":0.02114530441661676}],"sentiment":"neutral","sentiment_score":0.18146341768724303,"channel":0,"num_words":31,"start":1926.515,"end":1935.88},{"sentences":[{"text":"No.","start":1935.78,"end":1936.28,"sentiment":"neutral","sentiment_score":-0.12441517412662506}],"sentiment":"neutral","sentiment_score":-0.12441517412662506,"channel":1,"num_words":1,"start":1935.78,"end":1936.28},{"sentences":[{"text":"we've gone through so far?","start":1935.88,"end":1937.0801,"sentiment":"neutral","sentiment_score":-0.1314256876707077},{"text":"Is that okay at the","start":1937.0801,"end":1938.04,"sentiment":"neutral","sentiment_score":-0.10011735782027245}],"sentiment":"neutral","sentiment_score":-0.11577152274549007,"channel":0,"num_words":10,"start":1935.88,"end":1938.04},{"sentences":[{"text":"No.","start":1938.02,"end":1938.52,"sentiment":"neutral","sentiment_score":-0.1822848320007324}],"sentiment":"neutral","sentiment_score":-0.1822848320007324,"channel":1,"num_words":1,"start":1938.02,"end":1938.52},{"sentences":[{"text":"moment?","start":1938.04,"end":1938.54,"sentiment":"neutral","sentiment_score":-0.07899430394172668}],"sentiment":"neutral","sentiment_score":-0.07899430394172668,"channel":0,"num_words":1,"start":1938.04,"end":1938.54},{"sentences":[{"text":"I'm","start":1938.66,"end":1939.16,"sentiment":"neutral","sentiment_score":0.12384133785963058}],"sentiment":"neutral","sentiment_score":0.12384133785963058,"channel":1,"num_words":1,"start":1938.66,"end":1939.16},{"sentences":[{"text":"Yep.","start":1938.8401,"end":1939.3401,"sentiment":"neutral","sentiment_score":0.2204356789588928}],"sentiment":"neutral","sentiment_score":0.2204356789588928,"channel":0,"num_words":1,"start":1938.8401,"end":1939.3401},{"sentences":[{"text":"guided by you guys.","start":1939.38,"end":1940.8401,"sentiment":"positive","sentiment_score":0.340154193341732}],"sentiment":"positive","sentiment_score":0.340154193341732,"channel":1,"num_words":4,"start":1939.38,"end":1940.8401},{"sentences":[{"text":"Beautiful.","start":1942.4401,"end":1942.9401,"sentiment":"positive","sentiment_score":0.5198119878768921},{"text":"If there is any questions that you have in relation to that, come back and let me know.","start":1943.56,"end":1947.24,"sentiment":"neutral","sentiment_score":0.13335499684843752},{"text":"There might be something that pops up down the track there.","start":1947.24,"end":1949.745,"sentiment":"neutral","sentiment_score":0.08393733338876204},{"text":"Okay?","start":1949.745,"end":1950.245,"sentiment":"neutral","sentiment_score":0.07614965736865997}],"sentiment":"neutral","sentiment_score":0.12644071792883257,"channel":0,"num_words":31,"start":1942.4401,"end":1950.245},{"sentences":[{"text":"Yep.","start":1950.735,"end":1951.135,"sentiment":"neutral","sentiment_score":0.16306696832180023},{"text":"Will do.","start":1951.135,"end":1951.955,"sentiment":"neutral","sentiment_score":0.2793455868959427}],"sentiment":"neutral","sentiment_score":0.24058604737122855,"channel":1,"num_words":3,"start":1950.735,"end":1951.955},{"sentences":[{"text":"Beautiful.","start":1952.225,"end":1952.725,"sentiment":"positive","sentiment_score":0.4761334359645843},{"text":"Now to show you this sort of long term effect, I sort of mentioned before, we do limited scope in the retirement and the Centrelink aspect.","start":1953.985,"end":1961.31,"sentiment":"neutral","sentiment_score":0.05108199999309503},{"text":"So if you scroll down to page number 35 for me, this is just looking at the essentially, where we see the projected outcome to be.","start":1961.39,"end":1968.53,"sentiment":"neutral","sentiment_score":0.04281589718392262},{"text":"So by following the advice and looking at the projected outcome there, we've not included the investment property.","start":1968.75,"end":1974.235,"sentiment":"neutral","sentiment_score":-0.003981843797696963},{"text":"This is sort of being left out of this area for the time being until we work out down the track what you're wanting to do more with regard to that.","start":1974.235,"end":1981.0549,"sentiment":"neutral","sentiment_score":-0.044125264059872396}],"sentiment":"neutral","sentiment_score":0.014489435179926017,"channel":0,"num_words":102,"start":1952.225,"end":1981.0549},{"sentences":[{"text":"But, essentially, by taking on the recommendations, we'll get the long term effect here.","start":1981.515,"end":1985.755,"sentiment":"neutral","sentiment_score":0.19690214496638095},{"text":"We can sort of show that.","start":1985.755,"end":1987.08,"sentiment":"neutral","sentiment_score":0.08864939957857132},{"text":"And having a look at everything, you should be eligible for some age pension as well, which will be really good in helping you to, you know, make sure your super is working harder for you.","start":1987.3999,"end":1995.98,"sentiment":"positive","sentiment_score":0.5070114119185342}],"sentiment":"positive","sentiment_score":0.38465959385835696,"channel":0,"num_words":56,"start":1981.515,"end":1995.98},{"sentences":[{"text":"Yes.","start":1996.37,"end":1996.87,"sentiment":"neutral","sentiment_score":0.288952112197876}],"sentiment":"neutral","sentiment_score":0.288952112197876,"channel":1,"num_words":1,"start":1996.37,"end":1996.87},{"sentences":[{"text":"But, essentially, long term effect is when we get to the age of seven, we should be able to start to draw down the income out of super and also supplement that with a bit of age pension for you.","start":1996.6,"end":2006.205,"sentiment":"positive","sentiment_score":0.33983250744640825}],"sentiment":"positive","sentiment_score":0.33983250744640825,"channel":0,"num_words":40,"start":1996.6,"end":2006.205},{"sentences":[{"text":"Yes.","start":2006.385,"end":2006.885,"sentiment":"positive","sentiment_score":0.3605479598045349}],"sentiment":"positive","sentiment_score":0.3605479598045349,"channel":1,"num_words":1,"start":2006.385,"end":2006.885},{"sentences":[{"text":"It actually shows you that the estimated amount you should be able to draw down or live on on a yearly basis is just over $1,000 on a weekly basis.","start":2006.445,"end":2014.605,"sentiment":"positive","sentiment_score":0.4388124744097392},{"text":"So it's about 53,308 projected target.","start":2014.605,"end":2018.13,"sentiment":"positive","sentiment_score":0.4685443043708801},{"text":"And that's essentially giving you longevity out of super, but also out of the age pension aspect for you.","start":2018.75,"end":2024.2699,"sentiment":"positive","sentiment_score":0.45527606026122447},{"text":"So looking at utilizing everything we possibly can, it does show that you're able to get a really good income estimate based on the recommendations.","start":2024.2699,"end":2032.3651,"sentiment":"positive","sentiment_score":0.4913876688480377},{"text":"Okay?","start":2033.545,"end":2034.045,"sentiment":"neutral","sentiment_score":0.0887664258480072}],"sentiment":"positive","sentiment_score":0.45678201667320584,"channel":0,"num_words":81,"start":2006.445,"end":2034.045},{"sentences":[{"text":"Yeah.","start":2034.165,"end":2034.645,"sentiment":"neutral","sentiment_score":-0.08256126940250397},{"text":"That's if Trump has an accident.","start":2034.645,"end":2036.745,"sentiment":"negative","sentiment_score":-0.4905780603488286}],"sentiment":"negative","sentiment_score":-0.43228994735649656,"channel":1,"num_words":7,"start":2034.165,"end":2036.745},{"sentences":[{"text":"It's so I have no idea what's going on there at the moment.","start":2038.8251,"end":2041.545,"sentiment":"negative","sentiment_score":-0.4386343933068789},{"text":"It just it all flips and changes continuously, isn't it?","start":2041.545,"end":2045.0901,"sentiment":"negative","sentiment_score":-0.3453768819570541}],"sentiment":"negative","sentiment_score":-0.3980876492417377,"channel":0,"num_words":23,"start":2038.8251,"end":2045.0901},{"sentences":[{"text":"Worst worst thing that they could have done is to to have him as, you know,","start":2046.98,"end":2051.16,"sentiment":"negative","sentiment_score":-0.605889605358243}],"sentiment":"negative","sentiment_score":-0.605889605358243,"channel":1,"num_words":16,"start":2046.98,"end":2051.16},{"sentences":[{"text":"Yeah.","start":2050.99,"end":2051.49,"sentiment":"neutral","sentiment_score":-0.21598878502845764},{"text":"Yep.","start":2051.6301,"end":2052.1301,"sentiment":"neutral","sentiment_score":-0.18217866122722623}],"sentiment":"neutral","sentiment_score":-0.19908372312784195,"channel":0,"num_words":2,"start":2050.99,"end":2052.1301},{"sentences":[{"text":"lay","start":2052.26,"end":2052.5,"sentiment":"neutral","sentiment_score":-0.1783897578716278}],"sentiment":"neutral","sentiment_score":-0.1783897578716278,"channel":1,"num_words":1,"start":2052.26,"end":2052.5},{"sentences":[{"text":"I","start":2052.43,"end":2052.59,"sentiment":"neutral","sentiment_score":-0.22921141982078552}],"sentiment":"neutral","sentiment_score":-0.22921141982078552,"channel":0,"num_words":1,"start":2052.43,"end":2052.59},{"sentences":[{"text":"down.","start":2052.5,"end":2052.9001,"sentiment":"neutral","sentiment_score":-0.20208171010017395}],"sentiment":"neutral","sentiment_score":-0.20208171010017395,"channel":1,"num_words":1,"start":2052.5,"end":2052.9001},{"sentences":[{"text":"understand.","start":2052.59,"end":2053.09,"sentiment":"neutral","sentiment_score":-0.18180617690086365}],"sentiment":"neutral","sentiment_score":-0.18180617690086365,"channel":0,"num_words":1,"start":2052.59,"end":2053.09},{"sentences":[{"text":"Anyway","start":2052.9001,"end":2053.4001,"sentiment":"neutral","sentiment_score":-0.09707677364349364}],"sentiment":"neutral","sentiment_score":-0.09707677364349364,"channel":1,"num_words":1,"start":2052.9001,"end":2053.4001},{"sentences":[{"text":"Yeah.","start":2053.55,"end":2054.05,"sentiment":"neutral","sentiment_score":-0.06694617867469788},{"text":"We'll we'll go with it and see what happens.","start":2054.35,"end":2056.61,"sentiment":"neutral","sentiment_score":-0.0449755752666129},{"text":"All good.","start":2059.305,"end":2060.045,"sentiment":"neutral","sentiment_score":0.20810018479824066},{"text":"That's essentially running through the majority of the recommendations there.","start":2060.425,"end":2063.465,"sentiment":"neutral","sentiment_score":0.05938992984592915},{"text":"The other one I did wanna go to is canceling your life and TBD.","start":2063.465,"end":2066.765,"sentiment":"neutral","sentiment_score":-0.18955249339342117}],"sentiment":"neutral","sentiment_score":-0.05876004432017604,"channel":0,"num_words":36,"start":2053.55,"end":2066.765},{"sentences":[{"text":"So by rolling the funds into hub 24, you will notice on that fee table above there that we didn't have anything for the insurance premium.","start":2066.825,"end":2074.5999,"sentiment":"neutral","sentiment_score":-0.041017837392596096},{"text":"So as we kinda discussed, you've got a very small amount of life and TPD in your ART fund there at the moment, and you weren't sort of worried about it.","start":2074.66,"end":2083.38,"sentiment":"neutral","sentiment_score":-0.029906128683397846},{"text":"We talked about what you have, your level of cover you sort of need, and what happens in the event of passing away.","start":2083.38,"end":2089.945,"sentiment":"neutral","sentiment_score":-0.01885104697683583},{"text":"So that level of cover does decrease as you get closer to a age where ART will just cancel the policy.","start":2089.945,"end":2095.885,"sentiment":"neutral","sentiment_score":-0.049110262521675656},{"text":"Because the only debt you have is the investment property.","start":2096.425,"end":2099.405,"sentiment":"neutral","sentiment_score":-0.03867374658584595}],"sentiment":"neutral","sentiment_score":-0.03464126865471805,"channel":0,"num_words":111,"start":2066.825,"end":2099.405},{"sentences":[{"text":"I mean, if anything was to happen, the investment property could be sold.","start":2099.52,"end":2103.62,"sentiment":"neutral","sentiment_score":-0.015927529105773337},{"text":"The loan could be paid out.","start":2104.0,"end":2105.2,"sentiment":"neutral","sentiment_score":0.027852642660339672},{"text":"You've also got your super and your main primary residence there.","start":2105.2,"end":2108.16,"sentiment":"neutral","sentiment_score":0.05682436937720261},{"text":"So last time we spoke about it, you were happy to cancel that policy.","start":2108.16,"end":2112.02,"sentiment":"neutral","sentiment_score":-0.21390812311853682}],"sentiment":"neutral","sentiment_score":-0.054763356430075044,"channel":0,"num_words":44,"start":2099.52,"end":2112.02},{"sentences":[{"text":"Yes.","start":2112.43,"end":2112.855,"sentiment":"neutral","sentiment_score":0.08365236222743988}],"sentiment":"neutral","sentiment_score":0.08365236222743988,"channel":1,"num_words":1,"start":2112.43,"end":2112.855},{"sentences":[{"text":"So I am recommending we do cancel the cover.","start":2112.4749,"end":2114.895,"sentiment":"neutral","sentiment_score":-0.06816806313064364},{"text":"It is a very small amount of cover, and we put utilize the insurance premiums that you were paying for that.","start":2114.9548,"end":2120.4749,"sentiment":"neutral","sentiment_score":0.10236073711088725},{"text":"Keep it invested in your super and make sure we're we're making your super work a bit harder for you for your long","start":2120.4749,"end":2125.675,"sentiment":"neutral","sentiment_score":0.18819000993085944}],"sentiment":"neutral","sentiment_score":0.11064968187853975,"channel":0,"num_words":53,"start":2112.4749,"end":2125.675},{"sentences":[{"text":"Yes.","start":2125.575,"end":2126.075,"sentiment":"neutral","sentiment_score":0.08358161151409149}],"sentiment":"neutral","sentiment_score":0.08358161151409149,"channel":1,"num_words":1,"start":2125.575,"end":2126.075},{"sentences":[{"text":"term estate planning aspect.","start":2125.675,"end":2128.015,"sentiment":"neutral","sentiment_score":0.13309581577777863},{"text":"Okay?","start":2128.5,"end":2129.0,"sentiment":"neutral","sentiment_score":0.14072591066360474}],"sentiment":"neutral","sentiment_score":0.13462183475494385,"channel":0,"num_words":5,"start":2125.675,"end":2129.0},{"sentences":[{"text":"Yes.","start":2129.71,"end":2130.21,"sentiment":"positive","sentiment_score":0.3350878357887268}],"sentiment":"positive","sentiment_score":0.3350878357887268,"channel":1,"num_words":1,"start":2129.71,"end":2130.21},{"sentences":[{"text":"All good.","start":2130.82,"end":2131.64,"sentiment":"positive","sentiment_score":0.5596323311328888},{"text":"The next thing to talk about is the the estate planning aspect side of things.","start":2132.34,"end":2136.74,"sentiment":"neutral","sentiment_score":0.10538424005111059},{"text":"So on page number 36, I've basically may also made a recommendation there in regard to your beneficiaries.","start":2136.74,"end":2142.6,"sentiment":"neutral","sentiment_score":0.098538046495782},{"text":"So by moving you out of this AARP fund and into HUB 24, we do have to make sure that beneficiaries are nominated to both the super and the trans and retirement pension account.","start":2142.9,"end":2152.325,"sentiment":"neutral","sentiment_score":0.13674082826165593},{"text":"So I'm recommending that we do a binding, non lapsing beneficiary, which means it binds the trustee to follow your direction, And non lapsing means that you'd only have to fill out one form.","start":2152.325,"end":2162.34,"sentiment":"neutral","sentiment_score":0.24109772943398533}],"sentiment":"neutral","sentiment_score":0.16815751516124577,"channel":0,"num_words":103,"start":2130.82,"end":2162.34},{"sentences":[{"text":"It stays on the account until you change or revoke that nomination, which is great.","start":2162.34,"end":2167.6199,"sentiment":"positive","sentiment_score":0.3374370902776718},{"text":"You don't have to keep filling it out every couple of years.","start":2167.6199,"end":2170.1199,"sentiment":"neutral","sentiment_score":0.2810637491444747},{"text":"And we review that with you each year as we're doing reviews so we can help you to determine when something needs to change or when that nomination needs to be updated.","start":2170.74,"end":2178.7852,"sentiment":"neutral","sentiment_score":0.14417192549444735},{"text":"Okay?","start":2180.365,"end":2180.7651,"sentiment":"neutral","sentiment_score":0.089011549949646},{"text":"One of the things we discussed was making sure that in the event that something was to happen to you that through estate planning, you wanted everything to be paid out to your three sons Because they're non tax dependent, by having them nominated directly to your super means they can pay a bit of higher tax component.","start":2180.7651,"end":2197.11,"sentiment":"neutral","sentiment_score":0.08727858735826509}],"sentiment":"neutral","sentiment_score":0.15422875064788227,"channel":0,"num_words":118,"start":2162.34,"end":2197.11},{"sentences":[{"text":"So we are recommending it go to your legal personal representative.","start":2197.57,"end":2200.79,"sentiment":"neutral","sentiment_score":0.08848991786891763},{"text":"This essentially means that we take the LPR on the beneficiary nomination.","start":2201.09,"end":2205.025,"sentiment":"neutral","sentiment_score":0.10627864270160596},{"text":"And in the event that you would have passed away prematurely, a claim is made against your super and your pension account, and it is all just transferred to your estate.","start":2205.1648,"end":2214.2249,"sentiment":"neutral","sentiment_score":0.007253184674247619},{"text":"And then we just need to make sure that you have a will updated to reflect that to make sure that","start":2214.4448,"end":2219.54,"sentiment":"neutral","sentiment_score":0.08838672829525811}],"sentiment":"neutral","sentiment_score":0.05772937104105949,"channel":0,"num_words":75,"start":2197.57,"end":2219.54},{"sentences":[{"text":"Mhmm.","start":2219.38,"end":2219.88,"sentiment":"neutral","sentiment_score":0.07101640105247498}],"sentiment":"neutral","sentiment_score":0.07101640105247498,"channel":1,"num_words":1,"start":2219.38,"end":2219.88},{"sentences":[{"text":"everything in your will is directed to your three sons in whatever capacity you prefer, whether it be equally or whether you wanted certain things to go to certain children to make sure it was all, you know, distributed as per your wishes.","start":2219.54,"end":2231.88,"sentiment":"neutral","sentiment_score":0.11934981243901474},{"text":"But having it done this way can be a much more tax effective way of doing it.","start":2232.4949,"end":2236.6748,"sentiment":"positive","sentiment_score":0.5891473030342775},{"text":"It can mean that your beneficiaries pay a little bit less tax on the benefit, which can also mean that the distribution can be a lot more fair for them as well.","start":2236.8948,"end":2245.9548,"sentiment":"positive","sentiment_score":0.6365154851227999},{"text":"Okay?","start":2246.015,"end":2246.515,"sentiment":"neutral","sentiment_score":0.30130094289779663}],"sentiment":"positive","sentiment_score":0.38513271562674994,"channel":0,"num_words":93,"start":2219.54,"end":2246.515},{"sentences":[{"text":"Yep.","start":2248.13,"end":2248.63,"sentiment":"positive","sentiment_score":0.4514428973197937}],"sentiment":"positive","sentiment_score":0.4514428973197937,"channel":1,"num_words":1,"start":2248.13,"end":2248.63},{"sentences":[{"text":"Beautiful.","start":2249.3398,"end":2249.8398,"sentiment":"positive","sentiment_score":0.674979031085968},{"text":"So that's the recommendation with the beneficiary nominations.","start":2250.46,"end":2253.28,"sentiment":"positive","sentiment_score":0.386367853730917},{"text":"We do it as a binding non lapsing nomination.","start":2253.5798,"end":2255.92,"sentiment":"neutral","sentiment_score":0.26990029712518054},{"text":"It stays on there.","start":2256.3,"end":2257.3398,"sentiment":"neutral","sentiment_score":0.2582515478134155},{"text":"It still holds the trustee accountable, and LPR just means it goes to 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on the remuneration section on page number 48, you'll see the remuneration side of things.","start":2392.98,"end":2398.52,"sentiment":"neutral","sentiment_score":0.20130453957244754},{"text":"As I mentioned, that on the sorry.","start":2399.78,"end":2401.7002,"sentiment":"neutral","sentiment_score":0.12897085079124995},{"text":"Ongoing service fee is being reduced to 1.1 for you.","start":2401.7002,"end":2404.98,"sentiment":"neutral","sentiment_score":0.18618929758667946}],"sentiment":"neutral","sentiment_score":0.1974906942674092,"channel":0,"num_words":35,"start":2390.9001,"end":2404.98},{"sentences":[{"text":"That stays that way.","start":2404.98,"end":2406.545,"sentiment":"neutral","sentiment_score":0.22347844764590263},{"text":"And then we've also got the the 3.3, which is the upfront implementation fee.","start":2406.545,"end":2411.345,"sentiment":"neutral","sentiment_score":0.14202613915715898},{"text":"It's only ever done on the first advice document, and we 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it.","start":2694.2202,"end":2695.6,"sentiment":"positive","sentiment_score":0.7228857477506002}],"sentiment":"positive","sentiment_score":0.6794348897842261,"channel":1,"num_words":13,"start":2691.7402,"end":2695.6},{"sentences":[{"text":"No.","start":2695.73,"end":2695.8901,"sentiment":"neutral","sentiment_score":0.14849305152893066},{"text":"That's absolutely okay, Vivian.","start":2695.8901,"end":2697.6501,"sentiment":"positive","sentiment_score":0.4862678200006485},{"text":"Thank you so much for your time today.","start":2697.6501,"end":2699.25,"sentiment":"positive","sentiment_score":0.8219077289104462},{"text":"I really appreciate you taking the call, and I hope you have a good day and a great week.","start":2699.25,"end":2703.35,"sentiment":"positive","sentiment_score":0.8120954162196109}],"sentiment":"positive","sentiment_score":0.7530824709683657,"channel":0,"num_words":32,"start":2695.73,"end":2703.35},{"sentences":[{"text":"Thank 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too.","start":2704.435,"end":2705.175,"sentiment":"positive","sentiment_score":0.4316040128469467}],"sentiment":"positive","sentiment_score":0.5576047673821449,"channel":1,"num_words":4,"start":2703.875,"end":2705.175},{"sentences":[{"text":"Thanks.","start":2705.6008,"end":2706.0808,"sentiment":"positive","sentiment_score":0.45755571126937866},{"text":"Talk","start":2706.0808,"end":2706.3208,"sentiment":"neutral","sentiment_score":0.2539588212966919}],"sentiment":"positive","sentiment_score":0.3557572662830353,"channel":0,"num_words":2,"start":2705.6008,"end":2706.3208},{"sentences":[{"text":"Take","start":2706.1409,"end":2706.3809,"sentiment":"neutral","sentiment_score":0.22111812233924863}],"sentiment":"neutral","sentiment_score":0.22111812233924863,"channel":1,"num_words":1,"start":2706.1409,"end":2706.3809},{"sentences":[{"text":"to","start":2706.3208,"end":2706.481,"sentiment":"positive","sentiment_score":0.384443998336792}],"sentiment":"positive","sentiment_score":0.384443998336792,"channel":0,"num_words":1,"start":2706.3208,"end":2706.481},{"sentences":[{"text":"care.","start":2706.3809,"end":2706.8809,"sentiment":"positive","sentiment_score":0.3863745331764221}],"sentiment":"positive","sentiment_score":0.3863745331764221,"channel":1,"num_words":1,"start":2706.3809,"end":2706.8809},{"sentences":[{"text":"you soon.","start":2706.481,"end":2707.1409,"sentiment":"neutral","sentiment_score":0.27355895936489105},{"text":"My","start":2707.3608,"end":2707.681,"sentiment":"neutral","sentiment_score":0.2799057364463806}],"sentiment":"neutral","sentiment_score":0.2756745517253876,"channel":0,"num_words":3,"start":2706.481,"end":2707.681},{"sentences":[{"text":"Bye","start":2707.661,"end":2707.981,"sentiment":"positive","sentiment_score":0.3482166826725006}],"sentiment":"positive","sentiment_score":0.3482166826725006,"channel":1,"num_words":1,"start":2707.661,"end":2707.981},{"sentences":[{"text":"pleasure.","start":2707.681,"end":2708.0808,"sentiment":"positive","sentiment_score":0.5179194211959839}],"sentiment":"positive","sentiment_score":0.5179194211959839,"channel":0,"num_words":1,"start":2707.681,"end":2708.0808},{"sentences":[{"text":"bye.","start":2707.981,"end":2708.481,"sentiment":"neutral","sentiment_score":0.30764660239219666}],"sentiment":"neutral","sentiment_score":0.30764660239219666,"channel":1,"num_words":1,"start":2707.981,"end":2708.481},{"sentences":[{"text":"See you later.","start":2708.0808,"end":2708.901,"sentiment":"positive","sentiment_score":0.35364052653312683},{"text":"Bye.","start":2709.041,"end":2709.541,"sentiment":"neutral","sentiment_score":0.16758501529693604}],"sentiment":"neutral","sentiment_score":0.30712664872407913,"channel":0,"num_words":4,"start":2708.0808,"end":2709.541},{"sentences":[{"text":"Bye.","start":2709.421,"end":2709.921,"sentiment":"neutral","sentiment_score":-0.10631094872951508}],"sentiment":"neutral","sentiment_score":-0.10631094872951508,"channel":1,"num_words":1,"start":2709.421,"end":2709.921}]},"summary":{"result":"success","short":"The representative from Oakview Financial discusses personal insurance recommendations with the customer, including fee comparison tables and personal insurance coverage. They emphasize the importance of reviewing retirement recommendations and personal insurance coverage, recommending moving out of the Australian retirement trust and retirement plan, and emphasizing the benefits of increasing contributions to retirement plans and reducing risk investments. The speaker also emphasizes the importance of diversifying the portfolio and having global exposure to lower risk investments, and provides information on transferring investments and referral for future reference. The customer is advised to sign a tax file and check for lost or found information."},"intents":{"segments":[{"text":"Our meeting took a little bit longer than what I expected. Apologies Yeah.","start_word":20,"end_word":32,"intents":[{"intent":"Confirm success of meeting","confidence_score":0.0000501883}]},{"text":"I did is now still a good time to go negotiate the statement of advice, or is there a better Yes.","start_word":45,"end_word":65,"intents":[{"intent":"Negotiate statement of advice","confidence_score":0.6002018}]},{"text":"Not a problem at all. What I normally do is I send through the document to you just by email there. Do you have access to your emails at the moment?","start_word":91,"end_word":121,"intents":[{"intent":"Verify access to emails","confidence_score":0.0039932774}]},{"text":"What I normally do is I send through the document to you just by email there. Do you have access to your emails at the moment? I do.","start_word":96,"end_word":123,"intents":[{"intent":"Provide instructions to access documents","confidence_score":0.000017890285}]},{"text":"Now I've just sent that one through to you, Vivian. Hopefully, it pops through fairly quickly for you. So quick look.","start_word":215,"end_word":235,"intents":[{"intent":"Confirm receipt of document","confidence_score":0.012752883}]},{"text":"It's more to showing you the long term effect of the recommendations and how this can help you in those retirement years. So we Mhmm.","start_word":723,"end_word":747,"intents":[{"intent":"Show long-term effect","confidence_score":0.008860525}]},{"text":"don't make a recommendation as yet on how to draw down the income once you hit that retirement age or what sort of Social Yeah.","start_word":747,"end_word":771,"intents":[{"intent":"Draw down income","confidence_score":0.7893531}]},{"text":"Social Security, it changes a couple of times a year, so we're a bit far out to really assess that at the moment.","start_word":854,"end_word":876,"intents":[{"intent":"Assess recommendations","confidence_score":0.41175824}]},{"text":"Social Security, it changes a couple of times a year, so we're a bit far out to really assess that at the moment. And with retirement, we will always make sure we're updating that down the track for you when you get closer to it. Okay?","start_word":854,"end_word":899,"intents":[{"intent":"Update recommendations","confidence_score":0.022366557}]},{"text":"So the advice they provide now is not a set and forget. It's about reviewing the advice, making sure it's working for you, and keeping Mhmm. to, you know, alter it as your goals change, as your life changes.","start_word":1095,"end_word":1133,"intents":[{"intent":"Guide advice","confidence_score":0.004402622}]},{"text":"And the next page is your assets and liabilities there as well. So this is the information that we had based on your current asset and liabilities noted. I know there can be some changes around the the loans and the values there, but is there anything that you would like to have updated, or is everything still fairly accurate? Select Curates.","start_word":1504,"end_word":1565,"intents":[{"intent":"Provide information","confidence_score":0.17542621}]},{"text":"I'm I'm gonna skip through a few pages to kinda go through the recommendations. But once we've gone through everything after the call, you'll be able to go back and have a really good read of the document, look at the Yeah. the recommendations Yeah. in detail, the advantages, disadvantages, risks, and alternatives considered, and you're welcome to come back with me with any questions. Okay? Sure.","start_word":1592,"end_word":1658,"intents":[{"intent":"Recommend changes","confidence_score":0.010923618},{"intent":"Consider recommendations","confidence_score":0.0013324538},{"intent":"Provide feedback","confidence_score":0.0016544472}]},{"text":"Now to make this a little bit easier on you, if I can just get you to scroll down to page number 33 for me, I'll go through the recommendations, but sometimes looking at this table is a little bit easier for you. Okay? Mhmm.","start_word":1665,"end_word":1709,"intents":[{"intent":"Scroll down","confidence_score":0.50821173}]},{"text":"So as the starting recommendation, I am recommending that we do move you out of Australian retirement trust and into Hub twenty four.","start_word":1835,"end_word":1857,"intents":[{"intent":"Recommend relocation to hub twenty four","confidence_score":0.044602674}]},{"text":"have about 30 different investment options to choose from. But within hub twenty four, we actually get access to a bit over 1,148 or different investment options. That's everything from managed funds, exchange trader funds, to individual shares in companies, both here in Australia, but also in overseas, exchanges as well. So we get access to a lot more different investment options there.","start_word":1919,"end_word":1981,"intents":[{"intent":"Provide investment options","confidence_score":0.02625287}]},{"text":"We are also recommending that we set up a transition time and strategy for you as well, which means that you have a separate super and it's what's called a TTR pension account. Your contributions will continue to go into the accumulation of the super account and will increase those contributions up to maximize the cap, and then we'll be able to replenish your income by drawing some of that out of the pension account there. Yes.","start_word":2004,"end_word":2080,"intents":[{"intent":"Recommend transition time","confidence_score":0.008552748}]},{"text":"One of the big things to look at is obviously the cost factor there.","start_word":2086,"end_word":2099,"intents":[{"intent":"Explain cost factor","confidence_score":0.066220865}]},{"text":"So when you look at the administration fees and investment fees, Hub twenty four as a platform by moving you out of ART into Hub twenty four and having both those accounts there, you'll see the first side of that is 85,000. The second is Mhmm.","start_word":2100,"end_word":2145,"intents":[{"intent":"Discuss administration fee","confidence_score":0.016549613}]},{"text":"it is a little bit more. So it is about $442 more per year for having the two accounts within Hub twenty four. But with the portfolio that we're recommending, and I'll go through that in a bit more detail above for you, by having these two accounts, you're actually saving for the first year about a thousand and $36 on investment fees.","start_word":2216,"end_word":2278,"intents":[{"intent":"Discuss savings and fees","confidence_score":0.0075803827}]},{"text":"So having lower fees does mean that you're gonna have more money remain invested for you. Okay?","start_word":2316,"end_word":2332,"intents":[{"intent":"Explain benefits of higher investment","confidence_score":0.02930322},{"intent":"Explain benefits of lower fees","confidence_score":0.18783388},{"intent":"Explain benefits of lower fees","confidence_score":0.15402004},{"intent":"Explain benefits of lower fees","confidence_score":0.1884807},{"intent":"Explain benefits of higher fees","confidence_score":0.07605175}]},{"text":"how this implementation works for the first part of the recommendations is that we start by rolling you out of ART into hub 24 and moving everything into just a super account first. Mhmm.","start_word":2469,"end_word":2502,"intents":[{"intent":"Explain process of implementation","confidence_score":0.022197742}]},{"text":"Once the funds hit the account, everything stays in cash for a quick minute, and we deduct that 4,950 as the implementation fee, and then we have the funds invested for you so that it's all making that money back nice and quickly. Okay?","start_word":2503,"end_word":2546,"intents":[{"intent":"Discuss allocation of funds","confidence_score":0.00050307077}]},{"text":"Once we've done that, then we open up the pension account, and we roll that $1.52 into the pension account. We then start the drawdowns, and then we let you know when the first drawdown is, and we get you to start increasing your contributions. And I'll go through that in a bit more detail shortly for you at the moment.","start_word":2548,"end_word":2608,"intents":[{"intent":"Discuss retirement account opening","confidence_score":0.0022452567}]},{"text":"We then start the drawdowns, and then we let you know when the first drawdown is, and we get you to start increasing your contributions. And I'll go through that in a bit more detail shortly for you at the moment.","start_word":2568,"end_word":2608,"intents":[{"intent":"Discuss drawing downs","confidence_score":0.001104468},{"intent":"Discuss increases in contributions","confidence_score":0.0017437921}]},{"text":"It's also important I do make you aware you do have the ongoing service fee as well. So for us to look after everything and continue to look after it moving forward, we do charge a regular ongoing service fee percentage. It is normally 1.65%.","start_word":2623,"end_word":2667,"intents":[{"intent":"Discuss fee percentage","confidence_score":0.010092044}]},{"text":"So in the balanced growth environment you are within ART at the moment, you've got currently 65% growth investments and about Mhmm. 35% defensive investments.","start_word":2985,"end_word":3009,"intents":[{"intent":"Provide information about current investments","confidence_score":0.000036100802},{"intent":"Discuss current investments","confidence_score":0.005924751}]},{"text":"But, also, making sure it's performing quite well. And on that table you were just looking at below there, when you look at how the different portfolios have been performing, our balanced portfolio, which is lowering the overall risk, has actually shown greater performance over Right.","start_word":3072,"end_word":3117,"intents":[{"intent":"Discuss portfolio performance","confidence_score":0.14808424},{"intent":"Recommend portfolio performance","confidence_score":0.0009000786}]},{"text":"Beautiful.","start_word":3133,"end_word":3133,"intents":[{"intent":"Express gratitude","confidence_score":0.0015109538}]},{"text":"So that's essentially the beginning of the recommendations that we are. Just recommend you that you do roll out of ART and into Hub 24 for you to make it a bit easier. Okay?","start_word":3165,"end_word":3198,"intents":[{"intent":"Recommend portfolio improvements","confidence_score":0.0009418361}]},{"text":"Now this is the second part of the recommendation, and this is that transition retirement strategy. I've sort of got it here a little bit clearer for you so you can see essentially the numbers that we're looking at and how it works. You'll probably wanna take some time after the call to go back and review everything without me talking in your ear, and that's absolutely Mhmm.","start_word":3213,"end_word":3280,"intents":[{"intent":"Provide guidance on transition retirement strategy","confidence_score":0.000640022}]},{"text":"Now the second part of this recommendation is once we move you into how '20 four into the accumulation side of things, we wanna recommend that you increase your contributions into super when we had a really good look.","start_word":3322,"end_word":3360,"intents":[{"intent":"Recommend increased contributions","confidence_score":0.08029535}]},{"text":"So we've used your your highest income estimate and sort of used that as an average for the year to show what we expect you to basically be earning for the year, making sure we're not exceeding the contributions cap. So what we are recommending is once we've got that super set up in accumulation, we then increase your contributions up to that 550 on a fortnightly basis there. Yes.","start_word":3492,"end_word":3561,"intents":[{"intent":"Utilize income resources","confidence_score":0.000006982542}]},{"text":"So we will actually, the way I like to implement this is we'll start by setting up the the super account.","start_word":3787,"end_word":3807,"intents":[{"intent":"Set up super account","confidence_score":0.14056335}]},{"text":"So we will actually, the way I like to implement this is we'll start by setting up the the super account. We'll open the pension account, and we'll let you know when the first pension drawdown is expected.","start_word":3787,"end_word":3824,"intents":[{"intent":"Apply pension drawdown","confidence_score":0.0038413587}]},{"text":"So we're looking at your current contributions at the top there, and, essentially, this is how it'll work the pension analysis. So we start off with a source of funds of $2.42 $3.05 6 and 11<unk>. We'll roll a $152,004.00 6 into the pension phase account, and we'll leave about 85,000 behind in the accumulation phase.","start_word":3938,"end_word":3993,"intents":[{"intent":"Provide current contributions","confidence_score":0.023353882}]},{"text":"So we've worked out your salary based on what you've been earning and averaged it out to see what we're expecting you would get.","start_word":4039,"end_word":4062,"intents":[{"intent":"Calculate salary","confidence_score":0.19977058}]},{"text":"it's essentially starting with your income now, looking at what you're putting in now, increasing the contributions up to the cap, we're maximizing what we're putting in the super. And then because of the way tax works, we don't have to draw as much out to replenish your income, and it keeps your take home pay about the same there. Does that make sense?","start_word":4263,"end_word":4326,"intents":[{"intent":"Maximize income","confidence_score":0.006609732}]},{"text":"But above, you'll also see as you're going through the strategies and reading through the document, we've got the advantages, the disadvantages, and the risks involved.","start_word":4502,"end_word":4527,"intents":[{"intent":"Explain strategy benefits","confidence_score":0.016314264}]},{"text":"You've also got your investment property, which you're is negatively geared and you're putting money towards as well. So it's really important that those are the factors that are taken into consideration. Okay. Yes. Beautiful.","start_word":4811,"end_word":4845,"intents":[{"intent":"Recommend investing","confidence_score":0.004767276}]},{"text":"With the upfront implementation fee, that's a one off only fee. We don't charge that per advice documents. You pay it for once when you're onboarding, and then we never charge that again. The ongoing service fee allows us to continue providing advice by looking and monitoring your super fund, the investments, making alterations, and updating advice moving forward as well, and that's all included in the in that ongoing service fee. Okay?","start_word":4893,"end_word":4965,"intents":[{"intent":"Explain fees","confidence_score":0.7273844},{"intent":"Explain service fee","confidence_score":0.37059376},{"intent":"Explain fees","confidence_score":0.0652246}]},{"text":"So I like to make sure you get your first payment into your account first. It fixes up your you know, it it basically gives you a little bit of income first, then we increase your contributions back, and it has more of a a lesser effect on your expenditure to make it easier on you. Okay?","start_word":5071,"end_word":5127,"intents":[{"intent":"Ensure payment","confidence_score":0.0055022975}]},{"text":"The to show you essentially what the portfolio looks like, if you can have a look at page number 30 for me, this is the recommended portfolio. The page after is essentially the pension account. They're exactly the same across both of them. We just like to note down as how how much should be invested between the two different accounts so you can sort of see what to expect there. Okay.","start_word":5131,"end_word":5202,"intents":[{"intent":"Explain portfolio","confidence_score":0.12026723}]},{"text":"With the portfolio being a more of a balanced portfolio, you'll see at the top there, you've got your balance pool within ART. We're essentially rolling all of that out and investing the funds as per the lows. So this investment portfolio would save some funds in the cybersecurity area. We also have some European exposure there, some S and P 500, which is the top 500 companies in The US.","start_word":5204,"end_word":5274,"intents":[{"intent":"Explore portfolio options","confidence_score":0.0023575085}]},{"text":"We also have some physical gold. So growth is gold is a growth investment. However, it does tend to act defensively. I know over the last year, gold has gone up a huge amount. It's been over 30% increase, which is great. We all love a bit of gold, and I definitely do, to have where as well as invest in.","start_word":5614,"end_word":5674,"intents":[{"intent":"Identify investment opportunities","confidence_score":0.0006696406}]},{"text":"I try to keep that fairly brief of making sure I give you enough information. But do you have any questions about that area, about the investments particularly, or anything No.","start_word":6138,"end_word":6168,"intents":[{"intent":"Provide information","confidence_score":0.0053430265}]},{"text":"So looking at utilizing everything we possibly can, it does show that you're able to get a really good income estimate based on the recommendations. Okay? Yeah.","start_word":6476,"end_word":6502,"intents":[{"intent":"Provide income estimate","confidence_score":0.02572782}]},{"text":"That's if Trump has an accident. It's so I have no idea what's going on there at the moment. It just it all flips and changes continuously, isn't it?","start_word":6503,"end_word":6531,"intents":[{"intent":"Describe accident impact","confidence_score":0.0000028882412}]},{"text":"That's essentially running through the majority of the recommendations there.","start_word":6567,"end_word":6576,"intents":[{"intent":"Recommend twd","confidence_score":0.000022835875},{"intent":"Recommend td","confidence_score":0.017004577}]},{"text":"The other one I did wanna go to is canceling your life and TBD.","start_word":6577,"end_word":6590,"intents":[{"intent":"Suggest canceling life","confidence_score":0.00017458148},{"intent":"Clarify tdb cancellation","confidence_score":0.000039986546}]},{"text":"We talked about what you have, your level of cover you sort of need, and what happens in the event of passing away. So that level of cover does decrease as you get closer to a age where ART will just cancel the policy.","start_word":6648,"end_word":6691,"intents":[{"intent":"Provide level of cover","confidence_score":0.038183525}]},{"text":"I mean, if anything was to happen, the investment property could be sold. The loan could be paid out. You've also got your super and your main primary residence there.","start_word":6702,"end_word":6731,"intents":[{"intent":"Plan to sell home","confidence_score":0.0013348759}]},{"text":"You've also got your super and your main primary residence there.","start_word":6721,"end_word":6731,"intents":[{"intent":"Share personal information","confidence_score":0.000041121722}]},{"text":"So last time we spoke about it, you were happy to cancel that policy. Yes.","start_word":6733,"end_word":6747,"intents":[{"intent":"Cancel policy","confidence_score":0.8326279}]},{"text":"The next thing to talk about is the the estate planning aspect side of things. So on page number 36, I've basically may also made a recommendation there in regard to your beneficiaries.","start_word":6809,"end_word":6841,"intents":[{"intent":"Recommend estate planning","confidence_score":0.055306885}]},{"text":"So on page number 36, I've basically may also made a recommendation there in regard to your beneficiaries.","start_word":6824,"end_word":6841,"intents":[{"intent":"Recommend non-rapsing beneficiary nomination","confidence_score":0.000075819255}]},{"text":"So by moving you out of this AARP fund and into HUB 24, we do have to make sure that beneficiaries are nominated to both the super and the trans and retirement pension account.","start_word":6842,"end_word":6875,"intents":[{"intent":"Update nominee nomination","confidence_score":0.003353303}]},{"text":"So I'm recommending that we do a binding, non lapsing beneficiary, which means it binds the trustee to follow your direction, And non lapsing means that you'd only have to fill out one form. It stays on the account until you change or revoke that nomination, which is great. You don't have to keep filling it out every couple of years.","start_word":6876,"end_word":6936,"intents":[{"intent":"Recommend non lapsing beneficiary nomination","confidence_score":0.005119108},{"intent":"Recommend non lapsing and nonlapsing beneficiary","confidence_score":0.00011852069}]},{"text":"And we review that with you each year as we're doing reviews so we can help you to determine when something needs to change or when that nomination needs to be updated. Okay?","start_word":6937,"end_word":6969,"intents":[{"intent":"Update williams nominee nomination","confidence_score":0.00054373837}]},{"text":"One of the things we discussed was making sure that in the event that something was to happen to you that through estate planning, you wanted everything to be paid out to your three sons Because they're non tax dependent, by having them nominated directly to your super means they can pay a bit of higher tax component.","start_word":6970,"end_word":7027,"intents":[{"intent":"Direct money to three sons","confidence_score":0.00010925765}]},{"text":"We do it as a binding non lapsing nomination. It stays on there. It still holds the trustee accountable, and LPR just means it goes to your Mhmm. estate.","start_word":7207,"end_word":7235,"intents":[{"intent":"Recommend binding non lapsing nomination","confidence_score":0.07691441}]},{"text":"I have also made a recommendation in here that we do make sure that your will is appropriate and that you do have it reviewed by a solicitor to make sure that it is fitting to your wishes and that it do get updated so often.","start_word":7285,"end_word":7330,"intents":[{"intent":"Recommend and update will","confidence_score":0.0035359024}]},{"text":"So one of the things we do see quite a lot here is where someone's had an accident or might be in hospital, might even just be overseas and they can't sort of talk to us. And having a power of attorney allows you to nominate someone that you feel is trustworthy Uh-huh. enough to make financial and or medical decisions on your behalf, if in the event that you're unable to make those decisions there.","start_word":7441,"end_word":7516,"intents":[{"intent":"Discuss power of attorney","confidence_score":0.08120629},{"intent":"Explain power of attorney","confidence_score":0.020526972}]},{"text":"you need to, we can always just say you through to one of our local solicitors.","start_word":7543,"end_word":7558,"intents":[{"intent":"Request call through solicitor","confidence_score":0.008404355}]},{"text":"I can even just email you the details and the costing of the solicitors that we refer clients through to just to kinda Mhmm. have that conversation and give you some information to review there as well. Okay.","start_word":7560,"end_word":7597,"intents":[{"intent":"Explain process","confidence_score":0.0055509275},{"intent":"Explain process","confidence_score":0.014170533}]},{"text":"I can even just email you the details and the costing of the solicitors that we refer clients through to just to kinda Mhmm. have that conversation and give you some information to review there as well. Okay. Yes.","start_word":7560,"end_word":7598,"intents":[{"intent":"Provide information","confidence_score":0.25950328}]},{"text":"That's essentially running through all the recommendations there. I know it's a lot, and I'm just so sorry. It's a lot to take in. You're welcome, as I said, to go back, have a really good read of everything. I'll send you an email contact, and you can always come back and ask me any questions. There's Mhmm.","start_word":7602,"end_word":7659,"intents":[{"intent":"Discuss recommendations","confidence_score":0.04157791},{"intent":"Provide recommendations","confidence_score":0.01690086}]},{"text":"such thing as a silly question. If it's on your mind and you want an answer to it, you send me an email, and I'll make sure I reply to that one for you. Yes. Okay?","start_word":7662,"end_word":7697,"intents":[{"intent":"Dispute miscommunication","confidence_score":4.1738855e-7}]},{"text":"We'll get the first drawdown figure set up and let you know when that's expected.","start_word":7910,"end_word":7924,"intents":[{"intent":"Set up drawdown figure","confidence_score":0.26352867}]},{"text":"then after we've got that sort of working for you, we'll get your beneficiary nominations set up.","start_word":7946,"end_word":7962,"intents":[{"intent":"Set up beneficiary nominations","confidence_score":0.08122741}]},{"text":"And then if you need to speak to a solicitor, we can always provide the referral and all the information there.","start_word":7977,"end_word":7997,"intents":[{"intent":"Provide referral","confidence_score":0.10866333}]},{"text":"Mhmm.","start_word":8053,"end_word":8053,"intents":[{"intent":"Keep in touch with advice","confidence_score":0.00036029157}]},{"text":"Just to let you know, Vivian, I am on leave next week, so I'm here until Wednesday. But I will have my emails on me, and I do check them throughout every so often. So Sure.","start_word":8146,"end_word":8181,"intents":[{"intent":"Check emails","confidence_score":0.3481111},{"intent":"Check emails","confidence_score":0.03346815}]},{"text":"Enjoy your leave. Oh, thank you.","start_word":8237,"end_word":8242,"intents":[{"intent":"Enjoy leave and enjoy time","confidence_score":0.00008793203}]},{"text":"Maddie and Jordan will call just to sort of follow-up over the next few days as well. Okay?","start_word":8366,"end_word":8383,"intents":[{"intent":"Inquire about follow-up","confidence_score":0.000007451062}]}]},"sentiments":{"segments":[{"text":"Good morning. Vivian speaking. Hi, Vivian. It's Dana from Oakview Financial. Hi. How are you I'm this morning? so sorry.","start_word":0,"end_word":19,"sentiment":"neutral","sentiment_score":0.11537318676710127},{"text":"Our meeting took a little bit longer than what I expected.","start_word":20,"end_word":30,"sentiment":"negative","sentiment_score":-0.36471837759017944},{"text":"Apologies Yeah. for that. No. That's absolutely fine. It's not a problem at all. I did is now still a good time to go negotiate the statement of advice, or is there a better Yes. time that you wanted me to call back? Or No. No. No. No problem. Sounds If you have good. time, I appreciate Yeah. it. Absolutely. Not a problem at all. What I normally do is I send through the document to you just by email there. Do you have access to your emails at the moment? I do. Yes. Yep.","start_word":31,"end_word":125,"sentiment":"neutral","sentiment_score":0.09782828390598296},{"text":"Beautiful. Lovely. I'm just gonna send it through so you can have a look at the document as we are going through. It just makes it a little bit easier there.","start_word":126,"end_word":156,"sentiment":"positive","sentiment_score":0.3899915814399719},{"text":"I do also just have to let you know we do record our calls for quality and training purposes moving forward. Are you comfortable with that? Absolutely.","start_word":157,"end_word":183,"sentiment":"neutral","sentiment_score":0.16089917719364166},{"text":"Lovely. Thank you so much.","start_word":184,"end_word":188,"sentiment":"positive","sentiment_score":0.47106295824050903},{"text":"How was your weekend? Yeah. Lovely. Thank you. Yeah. That's What good. about your That's ex it was busy, but it was good. mhmm. Yeah.","start_word":189,"end_word":213,"sentiment":"neutral","sentiment_score":0.14759692549705505},{"text":"Beautiful.","start_word":214,"end_word":214,"sentiment":"positive","sentiment_score":0.34542733430862427},{"text":"Now I've just sent that one through to you, Vivian.","start_word":215,"end_word":224,"sentiment":"neutral","sentiment_score":0.290651798248291},{"text":"Hopefully, it pops through fairly quickly for you.","start_word":225,"end_word":232,"sentiment":"positive","sentiment_score":0.3693314790725708},{"text":"So quick look. Was this the iCloud email? Yes. That's the one I have here. Yeah. Hannah.verve@icloud.com. Yep. Not a problem.","start_word":233,"end_word":253,"sentiment":"neutral","sentiment_score":0.07285665720701218},{"text":"Beautiful.","start_word":254,"end_word":254,"sentiment":"positive","sentiment_score":0.33848169445991516},{"text":"Okay. Got it. Lovely. So when you open up that one, now I have attached the statement of advice as an attachment. But when you open the email, it does have a button that says to sign. It's not gonna ask you to sign anything. It's just you press that button, so it allows you to continue forward so you can review the document. And Okay. then you should be able to scroll up and down through the pages to make it easier. Mhmm. Is that all working Good. That for is you? yep.","start_word":255,"end_word":348,"sentiment":"neutral","sentiment_score":0.1489635854959488},{"text":"That is yep. Fantastic.","start_word":349,"end_word":352,"sentiment":"positive","sentiment_score":0.6109833121299744},{"text":"Now on the first page there, you should see it says OP Financial and the statement of advice as prepared for yourself as of the 03/25/2026 there. It has been prepared by myself, Dana Taylor. I'm an authorized representative under Oakview Financial. My registration number is 1304394. Okay? Yes. As you scroll through the next pages there, you'll see we've got the best interest duty. It's just letting you know that any advice we do provide is provided under the best interest duty, which is part of the corporation's ask. It's about making sure that we understand your goals, your financial and personal situation to make sure that the recommendations provided are there to put you in a best in a best possible position to meet your goals and objectives and to make sure they are in your best interest moving forward. Okay? Yes.","start_word":353,"end_word":496,"sentiment":"neutral","sentiment_score":0.13030263781547546},{"text":"Beautiful.","start_word":497,"end_word":497,"sentiment":"positive","sentiment_score":0.5123597383499146},{"text":"The next page is the table of contents. And moving on beyond that, you'll see we've got some areas that we have scoped in for advice. So it could be considered areas. We're looking at superannuation working towards your goals. They're looking at the trends, No. their time, and strategies for you to see if we can increase contributions in, help maybe reduce Mhmm. a little bit of income tax, but also makes your income stays relatively the same. We looked at the personal Yep. insurance aspect, so you have some life and TV data. You were happy not to sort of have those any further, so we've looked at, you know, what that can do for your super as well. And then we've also got the estate planning considerations. So one of the big things is making sure that beneficiary nominations are set up correctly, that it refers to your wishes, and also making sure your wills and power of attorneys are also reflective of that as well. Okay. Mhmm. Yes. Beautiful. The next page is the limited scope basis. So because you are a little bit away from retirement, essentially, we're looking at what this is doing for you now and, yeah, the effect of this. We look at whether it comes to retirement planning and the Social Security in this document.","start_word":498,"end_word":721,"sentiment":"neutral","sentiment_score":0.12279653549194336},{"text":"It's more to showing you the long term effect of the recommendations and how this can help you in those retirement years.","start_word":722,"end_word":743,"sentiment":"positive","sentiment_score":0.5204150080680847},{"text":"So we Mhmm. don't make a recommendation as yet on how to draw down the income once you hit that retirement age or what sort of Social Yeah. Security benefit you're expecting as a dollar figure, but it's sort of showing you a bit of a graph and a table on where we see everything sitting with regards to these recommendations. Now when you get so to try and use, you know, exactly what you wanna draw down, exactly, you know, when you're gonna retire, the date you've got there, we can then in the in-depth, sorry, make another recommendation around this sort of area. It's just that with Yeah. Social Security, it changes a couple of times a year, so we're a bit far out to really assess that at the moment. And with retirement, we will always make sure we're updating that down the track for you when you get closer to it. Okay? Yes. Yes. Yes.","start_word":744,"end_word":902,"sentiment":"neutral","sentiment_score":0.05980459600687027},{"text":"Perfect.","start_word":903,"end_word":903,"sentiment":"positive","sentiment_score":0.4861482083797455},{"text":"On page number seven, we have the areas that we've not considered there. So you've got your investment property at the moment. We're not making a recommendation around that currently. However, we can help you with additional advice down the track if you would like to. Okay? Mhmm. We've also got no additional personal insurances. So we have fact in just the cancellation of your life and TPD. However, you didn't have any income protection or any trauma or any other type of personal Mhmm. cover. So we've scoped out getting any additional cover for you. Okay? Uh-huh. Yep.","start_word":904,"end_word":1002,"sentiment":"neutral","sentiment_score":0.004057467915117741},{"text":"Perfect.","start_word":1003,"end_word":1003,"sentiment":"positive","sentiment_score":0.4206216335296631},{"text":"The next page is essentially the limited advice warning. So this is letting you know that we do scope in in our areas that we are looking at with regards to the advice. Any areas that we have scoped out or any areas that you have we've not received advice on, you're welcome to come back at a later time, have a conversation with me, and we can always provide advice on those additional areas for you. Yes. It's important to note this is just a starting point as well. So the advice they provide now is not a set and forget. It's about reviewing the advice, making sure it's working for you, and keeping Mhmm. to, you know, alter it as your goals change, as your life changes. One of the things you may have mentioned was that, you know, you might look at getting out of this current work and moving into more of a a care sort of role. So when that time changes, there could be some, you know, bigger effects on your retirement goals and things like that. Yep. So we wanna keep evolving the advice as your life as your goals change. Okay? Yes. Yes.","start_word":1004,"end_word":1204,"sentiment":"neutral","sentiment_score":0.14146245182005326},{"text":"Perfect.","start_word":1205,"end_word":1205,"sentiment":"positive","sentiment_score":0.5461488962173462},{"text":"This also lets you know that we're not solicitors. So when it comes to the drafting of wills and power of attorneys, we can refer you through to a solicitor if you did require the services of one. But our financial advisers, they're not solicitous, so we can't technically draft a bill for you. Mhmm. We also when it comes to insurances, do look at personal covers, so things like life, TPD, and income protection. Other types of general insurance products like house, motor liability, and business cover, we don't provide advice on, but we can always refer you to a general insurance broker if you would require those services. Yes. And under the Better Advice Act 2021, as a financial adviser, I'm able to provide tax financial advice. So it's basically looking at, you know, anything you've got coming up, CGT or tax to tax related areas and providing advice around those, whether it be to minimize, to utilize, or, you know, maximize depending on your situation. But we're not accountants, so we don't do your tax return for you. And if you did require the services of a tax accountant, we can absolutely refer you through to one as well. Okay? Yes.","start_word":1206,"end_word":1409,"sentiment":"neutral","sentiment_score":0.07966034859418869},{"text":"Perfect. Beautiful.","start_word":1410,"end_word":1411,"sentiment":"positive","sentiment_score":0.5643023252487183},{"text":"The next page is the about you section. Is there any kind of information on that page that you might need to have to update? If that's everything that we had collected originally, just wanna make sure that there's no major changes since we last caught up. No.","start_word":1412,"end_word":1459,"sentiment":"neutral","sentiment_score":0.05981637164950371},{"text":"No.","start_word":1460,"end_word":1460,"sentiment":"negative","sentiment_score":-0.3554995357990265},{"text":"I wish I had won a million dollars and Perfect. I could let you know, but Oh, me too. Tell No. you We what, don't. if I win, I'll share. If I win, I'll make sure I call you and share. 100%.","start_word":1461,"end_word":1502,"sentiment":"neutral","sentiment_score":-0.0834284694421859},{"text":"Absolutely.","start_word":1503,"end_word":1503,"sentiment":"positive","sentiment_score":0.3694421648979187},{"text":"And the next page is your assets and liabilities there as well. So this is the information that we had based on your current asset and liabilities noted. I know there can be some changes around the the loans and the values there, but is there anything that you would like to have updated, or is everything still fairly accurate? Select Curates. Yeah.","start_word":1504,"end_word":1566,"sentiment":"neutral","sentiment_score":0.07320591062307358},{"text":"Beautiful.","start_word":1567,"end_word":1567,"sentiment":"positive","sentiment_score":0.5133625864982605},{"text":"And underneath that, we also have your current superannuation and your car insurance as noted as well. Okay. Yep.","start_word":1568,"end_word":1586,"sentiment":"neutral","sentiment_score":0.14282815158367157},{"text":"Great. Perfect. Thank you. Lovely.","start_word":1587,"end_word":1591,"sentiment":"positive","sentiment_score":0.6580321192741394},{"text":"I'm I'm gonna skip through a few pages to kinda go through the recommendations. But once we've gone through everything after the call, you'll be able to go back and have a really good read of the document, look at the Yeah. the recommendations Yeah. in detail, the advantages, disadvantages, risks, and alternatives considered, and you're welcome to come back with me with any questions. Okay? Sure. Sure.","start_word":1592,"end_word":1659,"sentiment":"neutral","sentiment_score":0.1893337368965149},{"text":"Thank Beautiful. you.","start_word":1660,"end_word":1662,"sentiment":"positive","sentiment_score":0.5513994097709656},{"text":"That's okay. Now to make this a little bit easier on you, if I can just get you to scroll down to page number 33 for me, I'll go through the recommendations, but sometimes looking at this table is a little bit easier for you. Okay? Mhmm. Page 30, Beautiful. did you say? 33. So the heading there is the fee comparison table. Thirty thirty. Yep. Got it.","start_word":1663,"end_word":1730,"sentiment":"neutral","sentiment_score":0.11961767822504044},{"text":"Beautiful.","start_word":1731,"end_word":1731,"sentiment":"positive","sentiment_score":0.45994269847869873},{"text":"So with the recommendations that at the moment, you are in the Australian Retirement Trust with your current balance as the date we got the research. You are paying the administration fees, investment fees. You've got no adviser fees coming out at the moment, and your contributions going in there, and your insurance premiums are also coming out. In the portfolio you have in at the moment, you are more of a balanced growth environment. So you are taking on a little bit more risk in that environment than what you were more comfortable with when we did the risk profile questionnaire. So as the starting recommendation, I am recommending that we do move you out of Australian retirement trust and into Hub twenty four. Now have you ever heard of Hub twenty four before? No. No. That's okay. Hub twenty four is a retail rep platform, essentially. What it does, it's a retail super fund. It essentially allows advisers to open up these sorts of investments and gives us access to generally a lot of different investment options within hub within ART. Sorry. You generally Mhmm. have about 30 different investment options to choose from. But within hub twenty four, we actually get access to a bit over 1,148 or different investment options. That's everything from managed funds, exchange trader funds, to individual shares in companies, both here in Australia, but also in overseas, exchanges as well. So we get access to a lot more different investment options there. I am recommending that we move you fully out of the ART funded into hub twenty four, which is managed by us. We are also recommending that we set up a transition time and strategy for you as well, which means that you have a separate super and it's what's called a TTR pension account. Your contributions will continue to go into the accumulation of the super account and will increase those contributions up to maximize the cap, and then we'll be able to replenish your income by drawing some of that out of the pension account there. Yes. Okay. With the rest yeah. One of the big things to look at is obviously the cost factor there. So when you look at the administration fees and investment fees, Hub twenty four as a platform by moving you out of ART into Hub twenty four and having both those accounts there, you'll see the first side of that is 85,000. The second is Mhmm. $152.04 $0.06. So we'll leave 85,000 in the accumulation of super account, which is where your contributions will continue to go into, and we'll move Mhmm. 152,406 into the pension account. And that's where we'll draw a little bit of income to replenish what we're putting into super. Okay? Mhmm. Yep. By opening both of these two accounts, when you look at the administration fee, I do realize Uh-huh. it is a little bit more. So it is about $442 more per year for having the two accounts within Hub twenty four.","start_word":1732,"end_word":2237,"sentiment":"neutral","sentiment_score":0.12984192649660845},{"text":"But with the portfolio that we're recommending, and I'll go through that in a bit more detail above for you, by having these two accounts, you're actually saving for the first year about a thousand and $36 on investment fees.","start_word":2238,"end_word":2277,"sentiment":"positive","sentiment_score":0.3926788568496704},{"text":"So, overall, Yes.","start_word":2278,"end_word":2280,"sentiment":"neutral","sentiment_score":0.32997357845306396},{"text":"when we weigh up the option, the administration fees, the investment fees for the different accounts, both ART and hub twenty four, by following this strategy, you're actually gonna save overall, which is really important. So having lower fees does mean that you're gonna have more money remain invested for you.","start_word":2281,"end_word":2331,"sentiment":"positive","sentiment_score":0.5103737115859985},{"text":"Okay? Right. Okay. Yes.","start_word":2332,"end_word":2335,"sentiment":"neutral","sentiment_score":0.2506025433540344},{"text":"Yep. Beautiful. When I sort of look at the difference there, it actually saves you about $594 overall. So it works that you have a lot more money invested there, which is really important.","start_word":2336,"end_word":2369,"sentiment":"positive","sentiment_score":0.5768407583236694},{"text":"Okay?","start_word":2370,"end_word":2370,"sentiment":"neutral","sentiment_score":0.2625170648097992},{"text":"Yep. Beautiful.","start_word":2371,"end_word":2372,"sentiment":"positive","sentiment_score":0.4532794952392578},{"text":"Now we do obviously have the adviser fees there. So one of the things we did we did let you know about was that by coming on board, everything we do up into the point you decide to sign the advice and come on board is completely complimentary. Once we do come on board and we go through the the process of implementing the advice, we do charge an implementation fee. It is 3.3% and capped at a $150,000. So at the very top, you'd see the difference, you would see that implementation fee. Now Yes. how this implementation works for the first part of the recommendations is that we start by rolling you out of ART into hub 24 and moving everything into just a super account first. Mhmm. Once the funds hit the account, everything stays in cash for a quick minute, and we deduct that 4,950 as the implementation fee, and then we have the funds invested for you so that it's all making that money back nice and quickly. Okay? Yes. Once we've done that, then we open up the pension account, and we roll that $1.52 into the pension account. We then start the drawdowns, and then we let you know when the first drawdown is, and we get you to start increasing your contributions. And I'll go through that in a bit more detail shortly for you at the moment. Yep. Do you have any questions so far? Not. Not at all. No?","start_word":2373,"end_word":2621,"sentiment":"neutral","sentiment_score":0.19640257451907697},{"text":"Beautiful.","start_word":2622,"end_word":2622,"sentiment":"positive","sentiment_score":0.418965220451355},{"text":"It's also important I do make you aware you do have the ongoing service fee as well. So for us to look after everything and continue to look after it moving forward, we do charge a regular ongoing service fee percentage. It is normally 1.65%. However, I did ask Connor. I did go into that for you, and they've actually reduced the fee itself to 1.1 ongoing. So Okay. that's essentially Yep. it's 1.1 as a yearly percentage charge. However, we deduct the fee on on an ongoing basis, on a monthly basis out of your super funds, so you pay a smaller amount regularly. The idea of having a percentage based ongoing service fee is that it fluctuates with the market. So when the market is doing really well, the fee we're gonna receive is gonna be a little bit higher as well. However, when the market takes a little bit of a dip, our fee is gonna take a bit of a dip there with it. So it is linked to the performance Yes. of your super as well. Does that make Right. sense? Yeah. Yes.","start_word":2623,"end_word":2810,"sentiment":"neutral","sentiment_score":0.08002405613660812},{"text":"Beautiful.","start_word":2811,"end_word":2811,"sentiment":"positive","sentiment_score":0.3960331082344055},{"text":"You'll see on the column there with the adviser fee that we would expect for the first year, that it'd be it's pro rata between the two accounts, so that'd be 2,000 Mhmm. 628 for the first year. Okay.","start_word":2812,"end_word":2850,"sentiment":"neutral","sentiment_score":0.13467548787593842},{"text":"Beautiful. Lovely.","start_word":2851,"end_word":2852,"sentiment":"positive","sentiment_score":0.40403950214385986},{"text":"You'll also see underneath Yes. that we've got contributions per year, which are increased from where they are at the moment. It's part of the TTR strategy, and I'll take you through that shortly, and also the pension withdrawal, which is also gonna come out of the pension account to help supplement your income. Okay. Yes.","start_word":2853,"end_word":2908,"sentiment":"neutral","sentiment_score":0.15963409841060638},{"text":"Beautiful.","start_word":2909,"end_word":2909,"sentiment":"positive","sentiment_score":0.33448275923728943},{"text":"With the recommendations there, you'll see on the very bottom of that table there that we have recommended a balanced portfolio. So this is actually taking a little bit of risk risk in the market. So at the table on the page before this one, if you just scroll up slightly, you've got a little table that shows essentially where your growth and defensive assets are now versus what we're Yeah. recommending for you. So in the balanced growth environment you are within ART at the moment, you've got currently 65% growth investments and about Mhmm. 35% defensive investments. With the proposed, Okay. we're actually going to reduce that so you'll have about 60% in growth investments, things like Australian shares, international shares, listed property, and commodities, and then we'll increase the defective to about 40% there. So we're essentially lowering those higher risk investments and increasing the defensive investments, which lowers your overall risk in the portfolio. Okay? The portfolio. Okay?","start_word":2910,"end_word":3071,"sentiment":"neutral","sentiment_score":0.11047124586723468},{"text":"But, also, making sure it's performing quite well. And on that table you were just looking at below there, when you look at how the different portfolios have been performing, our balanced portfolio, which is lowering the overall risk, has actually shown greater performance over Right.","start_word":3072,"end_word":3117,"sentiment":"positive","sentiment_score":0.37220174074172974},{"text":"the past five years than where you are currently with ART. Okay? Yes. Okay. Yeah.","start_word":3118,"end_word":3132,"sentiment":"neutral","sentiment_score":0.10215206444263458},{"text":"Beautiful.","start_word":3133,"end_word":3133,"sentiment":"positive","sentiment_score":0.3970122635364533},{"text":"Do you have any questions at the moment? No. Not not at No? the moment. I'm sure there may be one coming up, but at the moment, no. Absolutely. No. Perfect. So that's essentially the beginning of the recommendations that we are. Just recommend you that you do roll out of ART and into Hub 24 for you to make it a bit easier. Okay? Mhmm. Yep. If you scroll back up for me, just to page number 22. Now this is the second part of the recommendation, and this is that transition retirement strategy. I've sort of got it here a little bit clearer for you so you can see essentially the numbers that we're looking at and how it works. You'll probably wanna take some time after the call to go back and review everything without me talking in your ear, and that's absolutely Mhmm. fine. I'll also send you an email after the call so you've got my direct email there, and then you're welcome to email me or call me with any questions that you have as well. Okay? No. No. No. Yep.","start_word":3134,"end_word":3320,"sentiment":"neutral","sentiment_score":0.16216222941875458},{"text":"Beautiful.","start_word":3321,"end_word":3321,"sentiment":"positive","sentiment_score":0.40878093242645264},{"text":"Now the second part of this recommendation is once we move you into how '20 four into the accumulation side of things, we wanna recommend that you increase your contributions into super when we had a really good look. Now your income does fluctuate a little bit because, you know, you've got that I think it's working from home allowance or something attached there, but No. It's your traditional services. So that's we hold it. special meetings outside the normal meeting schedule Yep. and do other tasks like sending letters and Yeah. stuff. We charge for our time. So, Yeah. yeah, that fluctuates.","start_word":3322,"end_word":3424,"sentiment":"neutral","sentiment_score":0.11600456567643916},{"text":"But I'm happy to increase it to $5.50 a fortnight. Yep. Perfect. So we actually when we had a look and and thank you so much for sending through your pay slips because that was really helpful to foresee that because your contributions do fluctuate depending on what your pay is. So we've actually made it to have a look at where we expect you to be.","start_word":3425,"end_word":3491,"sentiment":"positive","sentiment_score":0.45057106018066406},{"text":"So we've used your your highest income estimate and sort of used that as an average for the year to show what we expect you to basically be earning for the year, making sure we're not exceeding the contributions cap. So what we are recommending is once we've got that super set up in accumulation, we then increase your contributions up to that 550 on a fortnightly basis there. Yes. That's increasing you up to essentially the cap, but that also changes your take home pay. So your take home pay becomes less. So because of where you are in your stage of life, we're able to sort of help you to replenish your income, and we can move that $152,004.00 6 into an account based transit retirement pension account No. and be able to draw out between four to 10% on a yearly basis. We've Uh-huh. left a bit Yes. of a buffer, so we're not fully drawing out the 10%. It gives us a bit of leeway in case we need to make changes to it. But, Yes. essentially, in order to because contributions are normally taxed oh, sorry. Because contributions are taxed at 15% inside super, the money going into super is taxed at more of a conservative tax rate, I apologize, which means you have more money invested in your super growing and providing more of a benefit for you. With the Yes. funds that we are putting into super, before it goes into super, at the moment, it's currently being taxed at your marginal tax rate. So we can increase the amount we're putting into super and draw a lesser amount out to replenish your income. Okay? Mhmm. Mhmm. And It's do a little I bit do that now? yes. So we will actually, the way I like to implement this is we'll start by setting up the the super account. We'll open the pension account, and we'll let you know when the first pension drawdown is expected. I like you to get the first pension drawdown out of super before you increase your contributions in. Otherwise, there could be a wake your where your take home pay is negatively affected. So I like to make sure we're replenishing your income first, then we increase your contributions in. That way, you're not, you know, left behind with expenditure and things Yeah. like that. Does that Yep. make sense? Yeah. Yep. Makes sense.","start_word":3492,"end_word":3898,"sentiment":"neutral","sentiment_score":0.1103963840945054},{"text":"Beautiful.","start_word":3899,"end_word":3899,"sentiment":"positive","sentiment_score":0.4062087833881378},{"text":"If you scroll down to, essentially, Yeah. I believe, the next page, it might be the second page along. It's page number 24. This essentially Mhmm. shows you the numbers of what we're looking at. Okay? Yep.","start_word":3900,"end_word":3936,"sentiment":"neutral","sentiment_score":0.0659254714846611},{"text":"Beautiful.","start_word":3937,"end_word":3937,"sentiment":"positive","sentiment_score":0.35138174891471863},{"text":"So we're looking at your current contributions at the top there, and, essentially, this is how it'll work the pension analysis. So we start off with a source of funds of $2.42 $3.05 6 and 11<unk>. We'll roll a $152,004.00 6 into the pension phase account, and we'll leave about 85,000 behind in the accumulation phase. And then we've also got the drawdown, the TTR pension income amount. The table underneath that shows your current position versus what we're recommended, so you can essentially see the difference and how we keep your take home paying net about the same amount there. So we've worked out your salary based on what you've been earning and averaged it out to see what we're expecting you would get. And then we've also looked at your current contributions to salary sacrifice because you're currently making some salary sacrifice contributions in there. So we essentially increase that so that over the course of the twelve months, you put in an extra 14,300 total, and that Mhmm. reduces your take home or your taxable income. So at the moment, it's reduced to about a 103,000, whereas after this increase in the contributions, reduces it back to 94,000. Uh-huh. You've got your amount of tax. Obviously, the tax at the moment is higher than what you would have by increasing your contributions in the super, and then you've got your net take home pay. So at the moment, your salary minus the contributions going in minus the tax leaves you with about 79,342. Because Yes. with with the increase in the contributions in, it actually reduces your net income back to about 73,154. So we wanna replenish that back to that $79,003.04 2. So in order to do that, we only have to draw out $6,188 on a yearly basis. That's about $238 on a fortnightly basis. And then that brings your net take home pay back to that $79,003.42. So Yes. it's essentially starting with your income now, looking at what you're putting in now, increasing the contributions up to the cap, we're maximizing what we're putting in the super. And then because of the way tax works, we don't have to draw as much out to replenish your income, and it keeps your take home pay about the same there. Does that make sense? Yep. Makes sense. Yep.","start_word":3938,"end_word":4330,"sentiment":"neutral","sentiment_score":0.09384650325653814},{"text":"Beautiful. It's kinda cool the way it works.","start_word":4331,"end_word":4338,"sentiment":"positive","sentiment_score":0.6891078948974609},{"text":"It is, actually. Yeah. I'll let you sorta have a bit more of a look at that later. I know it can be a little bit fun with me talking in your ear. It takes a bit to go back and just sorta have a look at that, but let me know again if you do have any questions there. Is there any questions coming to mind at the moment at all? No. No. It's Nope. a wealth of information to go through, but I'll It I'll probably is. just need some time to, you know Absolutely. yeah. Yeah. Just to have let it sink in.","start_word":4339,"end_word":4444,"sentiment":"neutral","sentiment_score":0.07287808092978765},{"text":"Absolutely. As I sort of mentioned before, we do have the strategy written out above for you, and you'll be able to go through those individually. We put these tables in here to kinda give you a guide and show you the numbers and how it all kind of works so it's a bit of a visual.","start_word":4445,"end_word":4501,"sentiment":"positive","sentiment_score":0.37545809149742126},{"text":"But above, you'll also see as you're going through the strategies and reading through the document, we've got the advantages, the disadvantages, and the risks involved. We've also got alternatives that we've considered there as well, and we also have a best interest duty statement.","start_word":4502,"end_word":4546,"sentiment":"neutral","sentiment_score":0.23221434652805328},{"text":"So one of the things is making sure that the recommendations are there to meet your goals. Essentially, I can say that these recommendations are in your best interest because Hub twenty four, when we look at the changeover, is actually saving you in fees from where you are at the moment. You're wanting to sort of look at retiring in your late sixties.","start_word":4547,"end_word":4610,"sentiment":"positive","sentiment_score":0.4335826635360718},{"text":"We talked about age 67 when you're able to also access the age pension there as well.","start_word":4611,"end_word":4627,"sentiment":"neutral","sentiment_score":0.2687711715698242},{"text":"So moving into more of a balanced portfolio with invest interest because we're reducing the risk level you're taking.","start_word":4628,"end_word":4646,"sentiment":"positive","sentiment_score":0.35783079266548157},{"text":"There is a lot of volatility out there in the market at the moment, so reducing your risk level now is really good and important for helping to do that.","start_word":4647,"end_word":4676,"sentiment":"neutral","sentiment_score":0.2623608112335205},{"text":"The recommendations of making putting more into super to have it invested is in your best interest because we're putting more in there, keeping it invested and compounding now as opposed to doing it down the Yes. track has a greater advantage for you. Yes. Yes. And being able to draw a little bit out and utilize this TTR strategy means that we're able to keep your take home pay relatively the same as well.","start_word":4677,"end_word":4751,"sentiment":"positive","sentiment_score":0.5536625385284424},{"text":"And that's really important because you've got a lot of expenditure. Life is expensive. We all know that. At the moment, we're probably spending more on fuel than we are on groceries. Oh, So yeah. It's only about us. that's it. So life is extremely expensive out there, so we don't wanna negatively impact your income very much.","start_word":4752,"end_word":4809,"sentiment":"neutral","sentiment_score":-0.10333829373121262},{"text":"You've also got your investment property, which you're is negatively geared and you're putting money towards as well.","start_word":4810,"end_word":4827,"sentiment":"negative","sentiment_score":-0.3693815469741822},{"text":"So it's really important that those are the factors that are taken into consideration. Okay. Yes.","start_word":4828,"end_word":4843,"sentiment":"neutral","sentiment_score":-0.1026756539940834},{"text":"Beautiful.","start_word":4844,"end_word":4844,"sentiment":"positive","sentiment_score":0.4663337171077728},{"text":"So that's essentially the recommendations with the super there. We're gonna move you out of ART, move you into hub 24. We start off in accumulation. We have the funds invested for you. I've explained the fees, and you're welcome to come back and ask any additional questions. With the upfront implementation fee, that's a one off only fee. We don't charge that per advice documents. You pay it for once when you're onboarding, and then we never charge that again. The ongoing service fee allows us to continue providing advice by looking and monitoring your super fund, the investments, making alterations, and updating advice moving forward as well, and that's all included in the in that ongoing service fee. Okay? Yes.","start_word":4845,"end_word":4966,"sentiment":"neutral","sentiment_score":0.24234357476234436},{"text":"Beautiful. Once we have that super fund open, the funds are nicely invested for you, then we open up the TTR pension account.","start_word":4967,"end_word":4989,"sentiment":"positive","sentiment_score":0.35947850346565247},{"text":"We'll roll the one fifty two four zero six into the pension account. We'll let you know when the first drawdown is expected to happen. And then once that first drawdown has been made, then we'll get you to increase your contributions up into super. That way, you've got the first it's really important.","start_word":4990,"end_word":5043,"sentiment":"neutral","sentiment_score":0.20599521696567535},{"text":"I like to do it this way because if you just increase your contributions into super, you take home pay and your expenditure is reduced pretty significantly.","start_word":5044,"end_word":5070,"sentiment":"positive","sentiment_score":0.33593568205833435},{"text":"So I like to make sure you get your first payment into your account first. It fixes up your you know, it it basically gives you a little bit of income first, then we increase your contributions back, and it has more of a a lesser effect on your expenditure to make it easier on you. Okay? Yes. Yes.","start_word":5071,"end_word":5129,"sentiment":"neutral","sentiment_score":0.29350829124450684},{"text":"Beautiful.","start_word":5130,"end_word":5130,"sentiment":"positive","sentiment_score":0.43885278701782227},{"text":"The to show you essentially what the portfolio looks like, if you can have a look at page number 30 for me, this is the recommended portfolio. The page after is essentially the pension account. They're exactly the same across both of them. We just like to note down as how how much should be invested between the two different accounts so you can sort of see what to expect there. Okay. Yes. With the portfolio being a more of a balanced portfolio, you'll see at the top there, you've got your balance pool within ART. We're essentially rolling all of that out and investing the funds as per the lows. So this investment portfolio would save some funds in the cybersecurity area. We also have some European exposure there, some S and P 500, which is the top 500 companies in The US. And there's a lot of volatility in the market at the moment. There has been a bit of concern around those sorts of areas. But long term, those investment areas and countries still have great long term growth, so we can definitely still see us investing in those areas. Okay? Yeah. Yeah. We have the Rafi a 200, which is the QoS one there, and that's giving you exposure to mid and low cap come sorry. Mid and small cap companies on the AFX are giving you some Australian exposure, which is really important to have as well. And we also have the BetaShares a 200, which is giving you exposure to the top 200 companies on the ASX. So one of the Hello? things I do like to point out with the a 200 and the S and P 500, whilst we understand that companies don't always fit that measure and that we do see a bit of volatility here, one of the things I like about Yes. those two investments particularly is that you are always invested in the top 500 with the S and P 500 or with the beta shares one of the top 200 companies in Australia. Both of those investments follow or track an index, and they're all passively managed. So one of the good things is that the index meets every sort of quarter, and if companies don't meet the criteria to be in the top 500 or the top 200, then they are removed from that index, which means they're then removed from these investments, and other investments are moved or companies are moved in to replace them. So you are always invested in the top 500 companies in The US or the top 200 companies in the Australian Mhmm. index. So Mhmm. Yeah.","start_word":5131,"end_word":5576,"sentiment":"neutral","sentiment_score":0.1526372904467476},{"text":"It's really good.","start_word":5577,"end_word":5579,"sentiment":"positive","sentiment_score":0.5477584600448608},{"text":"It means that, essentially, when companies don't fit the criteria, they are removed. So you're not sitting in companies that are going down or going bust or anything like that. Okay? Yes. Yes.","start_word":5580,"end_word":5612,"sentiment":"neutral","sentiment_score":-0.001113000466968074},{"text":"Beautiful.","start_word":5613,"end_word":5613,"sentiment":"positive","sentiment_score":0.6421821117401123},{"text":"We also have some physical gold. So growth is gold is a growth investment. However, it does tend to act defensively.","start_word":5614,"end_word":5634,"sentiment":"neutral","sentiment_score":0.24212190508842468},{"text":"I know over the last year, gold has gone up a huge amount. It's been over 30% increase, which is great. We all love a bit of gold, and I definitely do, to have where as well as invest in. Gold essentially has seen great growth. We love it as a growth investment, but at times when markets are a bit volatile where shares aren't doing so well particularly, people like to move money into gold and use it as a bit of a safe haven. So it does act defensively, and we utilize it in your portfolio as an alternative for growth, also defensive in nature as well. So we kinda use it both ways in the portfolio, which is really cool.","start_word":5635,"end_word":5757,"sentiment":"positive","sentiment_score":0.5193729996681213},{"text":"Yes. Okay. Okay. Yes. Yeah. Having some global infrastructure, again, is really quite important. So infrastructure is, like, things like property. Having that globally means you're diversifying your portfolio because different countries react different ways when it comes to infrastructure and properties and things like that. Australia and The US tend to move in or follow suit. However, other countries like Japan tend to not follow the same way. So diversifying your portfolio and having global exposure as well as The US and Australia is good for helping to lower your overall risk of the portfolio. Okay? Yes. Yes. And then because sorry. This is also lowering the risk. We wanna have some defensible lower risk investment options, things like cash, bonds, and fixed interest. And those are the last three ones here. So core composite bonds, high interest cash, and then also a yield. So high yield or high income producing investments and things like that. And these three are seen as very much defensive investments. They are expected to get a lower rate of return, but defensive investments like cash bonds and fixed interest, when equities generally don't do so well, these sorts of investments tend to do do perform better. People tend to move money out of the market or out of high risk investments when markets are a little bit volatile and tend to put things in your safe haven areas like cash, bonds, fixed interest, and a bit of gold as well.","start_word":5758,"end_word":6004,"sentiment":"neutral","sentiment_score":0.15291212637897444},{"text":"So Yep. having these sorts of things helps to lower the overall risk of of your portfolio and helps to smooth out long term market fluctuations as Yes.","start_word":6005,"end_word":6032,"sentiment":"positive","sentiment_score":0.4640938937664032},{"text":"well. Okay?","start_word":6033,"end_word":6034,"sentiment":"neutral","sentiment_score":0.256134033203125},{"text":"Beautiful.","start_word":6035,"end_word":6035,"sentiment":"positive","sentiment_score":0.5560619831085205},{"text":"Underneath that, you'll see the cash account there now where every super fund does have to hold a certain amount of minimal cash, and this one has to hold have 24 has to hold 1.25%. So it'd be about $1,062 within the super fund there. In the pension account, it'd be about 1,905, and that's so they don't have to be buying and selling investments all the time in order to pay things like administration fees, investment fees, and adviser fees, and things like that. So they have to hold a small amount of cash percentage for you. Okay? Yes. Yes.","start_word":6036,"end_word":6136,"sentiment":"neutral","sentiment_score":0.1387387216091156},{"text":"Beautiful.","start_word":6137,"end_word":6137,"sentiment":"positive","sentiment_score":0.5476112365722656},{"text":"I try to keep that fairly brief of making sure I give you enough information. But do you have any questions about that area, about the investments particularly, or anything No. we've gone through so far? Is that okay at the No. moment? I'm Yep. guided by you guys.","start_word":6138,"end_word":6186,"sentiment":"neutral","sentiment_score":0.09085448086261748},{"text":"Beautiful.","start_word":6187,"end_word":6187,"sentiment":"positive","sentiment_score":0.5198119878768921},{"text":"If there is any questions that you have in relation to that, come back and let me know. There might be something that pops up down the track there. Okay? Yep. Will do.","start_word":6188,"end_word":6220,"sentiment":"neutral","sentiment_score":0.1292293220758438},{"text":"Beautiful.","start_word":6221,"end_word":6221,"sentiment":"positive","sentiment_score":0.4761334359645843},{"text":"Now to show you this sort of long term effect, I sort of mentioned before, we do limited scope in the retirement and the Centrelink aspect. So if you scroll down to page number 35 for me, this is just looking at the essentially, where we see the projected outcome to be. So by following the advice and looking at the projected outcome there, we've not included the investment property. This is sort of being left out of this area for the time being until we work out down the track what you're wanting to do more with regard to that. But, essentially, by taking on the recommendations, we'll get the long term effect here. We can sort of show that.","start_word":6222,"end_word":6342,"sentiment":"neutral","sentiment_score":0.04129064083099365},{"text":"And having a look at everything, you should be eligible for some age pension as well, which will be really good in helping you to, you know, make sure your super is working harder for you.","start_word":6343,"end_word":6378,"sentiment":"positive","sentiment_score":0.5030597448348999},{"text":"Yes.","start_word":6379,"end_word":6379,"sentiment":"neutral","sentiment_score":0.288952112197876},{"text":"But, essentially, long term effect is when we get to the age of seven, we should be able to start to draw down the income out of super and also supplement that with a bit of age pension for you. Yes. It actually shows you that the estimated amount you should be able to draw down or live on on a yearly basis is just over $1,000 on a weekly basis. So it's about 53,308 projected target. And that's essentially giving you longevity out of super, but also out of the age pension aspect for you. So looking at utilizing everything we possibly can, it does show that you're able to get a really good income estimate based on the recommendations.","start_word":6380,"end_word":6500,"sentiment":"positive","sentiment_score":0.4234415590763092},{"text":"Okay? Yeah.","start_word":6501,"end_word":6502,"sentiment":"neutral","sentiment_score":0.0031025782227516174},{"text":"That's if Trump has an accident. It's so I have no idea what's going on there at the moment.","start_word":6503,"end_word":6521,"sentiment":"negative","sentiment_score":-0.44313251972198486},{"text":"It just it all flips and changes continuously, isn't it?","start_word":6522,"end_word":6531,"sentiment":"neutral","sentiment_score":-0.3129982352256775},{"text":"Worst worst thing that they could have done is to to have him as, you know, Yeah.","start_word":6532,"end_word":6548,"sentiment":"negative","sentiment_score":-0.5521272420883179},{"text":"Yep. lay I down. understand. Anyway Yeah. We'll we'll go with it and see what happens. All good. That's essentially running through the majority of the recommendations there. The other one I did wanna go to is canceling your life and TBD. So by rolling the funds into hub 24, you will notice on that fee table above there that we didn't have anything for the insurance premium. So as we kinda discussed, you've got a very small amount of life and TPD in your ART fund there at the moment, and you weren't sort of worried about it. We talked about what you have, your level of cover you sort of need, and what happens in the event of passing away. So that level of cover does decrease as you get closer to a age where ART will just cancel the policy. Because the only debt you have is the investment property. I mean, if anything was to happen, the investment property could be sold. The loan could be paid out. You've also got your super and your main primary residence there. So last time we spoke about it, you were happy to cancel that policy. Yes. So I am recommending we do cancel the cover. It is a very small amount of cover, and we put utilize the insurance premiums that you were paying for that. Keep it invested in your super and make sure we're we're making your super work a bit harder for you for your long Yes. term estate planning aspect. Okay?","start_word":6549,"end_word":6805,"sentiment":"neutral","sentiment_score":-0.010454787963327269},{"text":"Yes. All good.","start_word":6806,"end_word":6808,"sentiment":"positive","sentiment_score":0.45655035972595215},{"text":"The next thing to talk about is the the estate planning aspect side of things. So on page number 36, I've basically may also made a recommendation there in regard to your beneficiaries. So by moving you out of this AARP fund and into HUB 24, we do have to make sure that beneficiaries are nominated to both the super and the trans and retirement pension account. So I'm recommending that we do a binding, non lapsing beneficiary, which means it binds the trustee to follow your direction, And non lapsing means that you'd only have to fill out one form. It stays on the account until you change or revoke that nomination, which is great. You don't have to keep filling it out every couple of years. And we review that with you each year as we're doing reviews so we can help you to determine when something needs to change or when that nomination needs to be updated. Okay? One of the things we discussed was making sure that in the event that something was to happen to you that through estate planning, you wanted everything to be paid out to your three sons Because they're non tax dependent, by having them nominated directly to your super means they can pay a bit of higher tax component. So we are recommending it go to your legal personal representative. This essentially means that we take the LPR on the beneficiary nomination. And in the event that you would have passed away prematurely, a claim is made against your super and your pension account, and it is all just transferred to your estate. And then we just need to make sure that you have a will updated to reflect that to make sure that Mhmm. everything in your will is directed to your three sons in whatever capacity you prefer, whether it be equally or whether you wanted certain things to go to certain children to make sure it was all, you know, distributed as per your wishes.","start_word":6809,"end_word":7146,"sentiment":"neutral","sentiment_score":0.13361036777496338},{"text":"But having it done this way can be a much more tax effective way of doing it. It can mean that your beneficiaries pay a little bit less tax on the benefit, which can also mean that the distribution can be a lot more fair for them as well.","start_word":7147,"end_word":7195,"sentiment":"positive","sentiment_score":0.6199613809585571},{"text":"Okay?","start_word":7196,"end_word":7196,"sentiment":"neutral","sentiment_score":0.30130094289779663},{"text":"Yep. Beautiful. So that's the recommendation with the beneficiary nominations.","start_word":7197,"end_word":7206,"sentiment":"positive","sentiment_score":0.43177804350852966},{"text":"We do it as a binding non lapsing nomination. It stays on there. It still holds the trustee accountable, and LPR just means it goes to your Mhmm. estate. And then within your will, you can have it set up that it gets done equally, or you can have trust set up. You can Yep. you have a lot more control around how you have the benefit paid out to this to your threesomes there. Okay. Yep.","start_word":7207,"end_word":7283,"sentiment":"neutral","sentiment_score":0.2701897621154785},{"text":"Perfect. I have also made a recommendation in here that we do make sure that your will is appropriate and that you do have it reviewed by a solicitor to make sure that it is fitting to your wishes and that it do get updated so often.","start_word":7284,"end_word":7330,"sentiment":"positive","sentiment_score":0.36616674065589905},{"text":"I think a lot of people say to me that they have it set in place and it doesn't need to be updated, but your lot definitely changes, and your assets do change. And sometimes what we wanna give to our kids or how we want things to be directed to our kids can also change. So it is really important to have a solicitor review the will and probably even, you know, type up a new one for you just to make sure it is reflective of your wishes correctly and accurately. And part of the estate planning that's really important as well is the power of attorney aspect. So one of the things we do see quite a lot here is where someone's had an accident or might be in hospital, might even just be overseas and they can't sort of talk to us. And having a power of attorney allows you to nominate someone that you feel is trustworthy Uh-huh. enough to make financial and or medical decisions on your behalf, if in the event that you're unable to make those decisions there. So Uh-huh. making Yes. sure as listed, it draws up a power of attorney as well as having a will is really important. And if Yes. you need to, we can always just say you through to one of our local solicitors. I can even just email you the details and the costing of the solicitors that we refer clients through to just to kinda Mhmm. have that conversation and give you some information to review there as well. Okay. Yes. Okay. Yep.","start_word":7331,"end_word":7599,"sentiment":"neutral","sentiment_score":0.15867472708668406},{"text":"Yeah. Perfect. That's essentially running through all the recommendations there.","start_word":7600,"end_word":7609,"sentiment":"positive","sentiment_score":0.45097213983535767},{"text":"I know it's a lot, and I'm just so sorry. It's a lot to take in.","start_word":7610,"end_word":7625,"sentiment":"neutral","sentiment_score":-0.08212965726852417},{"text":"You're welcome, as I said, to go back, have a really good read of everything.","start_word":7626,"end_word":7640,"sentiment":"positive","sentiment_score":0.5705041289329529},{"text":"I'll send you an email contact, and you can always come back and ask me any questions. There's Mhmm. no Sure. such thing as a silly question. If it's on your mind and you want an answer to it, you send me an email, and I'll make sure I reply to that one for you. Yes. Okay? Yep. Sure. Sure.","start_word":7641,"end_word":7700,"sentiment":"neutral","sentiment_score":0.12600016593933103},{"text":"Yeah. Beautiful.","start_word":7701,"end_word":7702,"sentiment":"positive","sentiment_score":0.4633063673973083},{"text":"Down on the remuneration section on page number 48, you'll see the remuneration side of things. As I mentioned, that on the sorry. Ongoing service fee is being reduced to 1.1 for you. That stays that way. And then we've also got the the 3.3, which is the upfront implementation fee. It's only ever done on the first advice document, and we don't Mhmm. charge that ever again Mhmm. to any other advice that we provide. Okay. Yep.","start_word":7703,"end_word":7780,"sentiment":"neutral","sentiment_score":0.14516165852546692},{"text":"Beautiful.","start_word":7781,"end_word":7781,"sentiment":"positive","sentiment_score":0.462156355381012},{"text":"Is there any questions that you might have at the moment at all or anything No. that's popped up recently? No? No. No. No. No. That's okay. I've also got on page 50 just a bit of an outline there for you on how the implementation works. So we start by rolling opening up your hub twenty four, rolling the funds out of ARC. That cancels the insurances all at once there for you. Once Mhmm. that's opened and and the funds are invested, then we'll open your TTR pension account.","start_word":7782,"end_word":7872,"sentiment":"neutral","sentiment_score":0.06173805519938469},{"text":"The one of the best things about opening up with Hub twenty four is our in space you transfer the investments across, so it's nice and easy to open up the pension account for you.","start_word":7873,"end_word":7907,"sentiment":"positive","sentiment_score":0.4085731506347656},{"text":"Yes. We'll get the first drawdown figure set up and let you know when that's expected. Our team can then give you the salary sacrifice letter to pass to your employer to increase your contributions there. And Yes. then after we've got that sort of working for you, we'll get your beneficiary nominations set up. Our team can help to pre fill those to make it easier for you. And then if you need to speak to a solicitor, we can always provide the referral and all the information there. And then we'll do regular reviews and catch ups. We do a full review every twelve months, but we can do catch ups with you as often as you like to make sure that we're reviewing everything and keeping you in the loop and updating the advice as it needs to be updated and changed. Mhmm. Okay. Yep. Okay.","start_word":7908,"end_word":8056,"sentiment":"neutral","sentiment_score":0.1658374866183172},{"text":"Yeah. Beautiful. I will that's basically everything I need to go through with you. I will let you go back and have a really good read because I know it's sometimes a lot to have someone taking you through the document looking at certain pages, and Yep.","start_word":8057,"end_word":8103,"sentiment":"positive","sentiment_score":0.4060435295104981},{"text":"there's a lot of information and numbers and things in there.","start_word":8104,"end_word":8114,"sentiment":"neutral","sentiment_score":0.28371134400367737},{"text":"I'll let you go back and have a really good read there. If there's any questions you have, let me know, and I'm more than happy to help you out.","start_word":8115,"end_word":8144,"sentiment":"positive","sentiment_score":0.6701624989509583},{"text":"Yes. Just to let you know, Vivian, I am on leave next week, so I'm here until Wednesday. But I will have my emails on me, and I do check them throughout every so often. So Sure. email me Yeah. at any time, and I'll get back to you before Wednesday if I see the Yeah. email before if it comes in before then. But if it's next week, I'll jump on and try to get back to you as quickly as I possibly can. Yeah. Okay. Sure. No.","start_word":8145,"end_word":8233,"sentiment":"neutral","sentiment_score":0.08000858128070831},{"text":"No problem. Yeah. Enjoy your leave. Oh, thank you. Looking forward to seeing my husband's family and having a bit of time Yeah.","start_word":8234,"end_word":8256,"sentiment":"positive","sentiment_score":0.5205445289611816},{"text":"with my son next week.","start_word":8257,"end_word":8261,"sentiment":"neutral","sentiment_score":0.1914601773023605},{"text":"But Oh, I'll lovely. be back I'll be back from the thirteenth there Wonderful. as well.","start_word":8262,"end_word":8277,"sentiment":"positive","sentiment_score":0.43979454040527344},{"text":"So I do take my laptop with me, and I'm a little bit of a workaholic. So I will reply to those emails over course of the week as I do see Sure. them if there's anything you Sure. need. Okay. Alright.","start_word":8278,"end_word":8319,"sentiment":"neutral","sentiment_score":0.06744654476642609},{"text":"Thank you. That's okay. Thank you so much for your time today.","start_word":8320,"end_word":8331,"sentiment":"positive","sentiment_score":0.6527079343795776},{"text":"I know it's a lot. Take some time to have her read through the document again. Just let me know if there's anything you need, and I'll make sure the girls do touch base. Maddie and Jordan will call just to sort of follow-up over the next few days as well. Okay?","start_word":8332,"end_word":8383,"sentiment":"neutral","sentiment_score":0.20733048021793363},{"text":"No problem. Beautiful.","start_word":8384,"end_word":8386,"sentiment":"positive","sentiment_score":0.4989927411079407},{"text":"If you're really into the reading aspect of it, attached to the email there, I've also got the product disclosure statements for hub twenty four. We've Uh-huh. also got for you the appendix which shows you any additional research we've completed with regards to the recommendations. We've also got our financial services guides attached there for you, and I've also attached the copy of the SOA there. On the email underneath this document, we also do attach the initial implementation document.","start_word":8387,"end_word":8467,"sentiment":"neutral","sentiment_score":0.21333590149879456},{"text":"So if you are happy to take the recommendations and come on board, I'm looking so much forward to helping you out and getting you know, working towards your goals there.","start_word":8468,"end_word":8498,"sentiment":"positive","sentiment_score":0.5670585036277771},{"text":"We do have the application for Hub 24, which has all the information prefilled. We also do a lost Mhmm. super search for you. So we you to sign one of those. We send that out to the ATO and get them to to go back into the Mhmm. ATO and see if there's any lost super or any money from, you know, back when that they may have held or found. We also do have a tax file opt in form, so it's really important when we open Super that we do have your tax file number on file. So that form Yes. is attached then. It explains how and why we have your tax file number. Everything is held under privacy and security, so it is a lot of privacy record requirements that we undertake. Moving forward, when you come on board, we'll essentially do security with you when you call us or we call you. We'll ask if you wanna have a password No. on file or if you're just Yes. comfortable using a three point security check. So it's about having extra security in place to make sure that we're not giving any information to anyone, and we're very Yeah. security Yeah. conscious Yeah. here as Cool. a business. Okay?","start_word":8499,"end_word":8712,"sentiment":"neutral","sentiment_score":0.10070284922546316},{"text":"Perfect. Beautiful. So feel free to run your eyes over all those documents there.","start_word":8713,"end_word":8726,"sentiment":"positive","sentiment_score":0.5682358741760254},{"text":"If you have any questions, let me know. And, yeah, PDFs are attached if you're interested and wanna run your eyes to the product disclosure statements as well. Yep.","start_word":8727,"end_word":8755,"sentiment":"neutral","sentiment_score":0.20933908224105835},{"text":"No problem. Thank you so much for the call. Really appreciate it.","start_word":8756,"end_word":8767,"sentiment":"positive","sentiment_score":0.7070132493972778},{"text":"No.","start_word":8768,"end_word":8768,"sentiment":"neutral","sentiment_score":0.14849305152893066},{"text":"That's absolutely okay, Vivian. Thank you so much for your time today. I really appreciate you taking the call, and I hope you have a good day and a great week. Thank you. You too. Thanks.","start_word":8769,"end_word":8804,"sentiment":"positive","sentiment_score":0.7057223916053772},{"text":"Talk Take to care. you soon.","start_word":8805,"end_word":8810,"sentiment":"neutral","sentiment_score":0.31280744075775146},{"text":"My Bye pleasure.","start_word":8811,"end_word":8813,"sentiment":"positive","sentiment_score":0.4024356007575989},{"text":"bye.","start_word":8814,"end_word":8814,"sentiment":"neutral","sentiment_score":0.30764660239219666},{"text":"See you later.","start_word":8815,"end_word":8817,"sentiment":"positive","sentiment_score":0.34755897521972656},{"text":"Bye. Bye.","start_word":8818,"end_word":8819,"sentiment":"neutral","sentiment_score":0.15758253633975983}],"average":{"sentiment":"neutral","sentiment_score":0.16907691164135438}}}}