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We've got all the assets and on the goals and all that fun stuff. Fantastic. Yep. Yeah. Perfect. Do you guys do any with these ones, if has anyone done, like, any risk profile type thing, or is that for me to sort of jump into? Yeah. Fantastic. 16. Awesome. Smack bang in the growth, and he's nineteen sixty five. 61 years old. Perfect, dude. That is amazing. Great information. Cool, mate. Yeah. Go for it. Go for it. Good day, Paul. Tommy here from Oakview, mate. How are you doing? Doing fantastic. It's been a bit of a drizzle of a start to the week, but very much looking forward to it. What about your end? Victoria's a bit like that. It can chop and change on a dime, but at the moment, it looks beautiful compared to the Gold Coast. I'll tell you that. Awesome, mate. Yeah. Yeah. We're on the Gold Coast. We do serve nationally, but main office is out of the Gold Coast. Awesome. And, look, thanks very much for updating your details with the team there. I know there can be a decent amount of questions to get some information, but I really appreciate that because full overview of your situation really just helps me work out a few ideas and plans for you. Now what I wanted to just go through with you in just a little bit more depth is as I'm looking through this snapshot, you've obviously hit that period with your superannuation where you're past your preservation age. You can access your super. You've got a few more strategies that are open to you. Can you just tell me in your own words kind of main thing that you're hoping to get out of going through this process with us? Yeah. Yeah. Absolutely. So I guess looking through these goals here, and you're in that transition to retirement stage of your life as well, and you're looking to access the super in a few years' time, so you don't really have that ten, twenty, thirty years ahead of you to take on too much risk. So are you what's your sort of thoughts in terms of protecting what you've built versus growing it a little bit further? Just straight up growing it? Yep. Absolutely. So when I look back about the income needs for retirement, we were talking about a goal of 3 to 4,000 per week. Now, ideally, it would be nice if you can get that mainly just from the superannuation, but you do have really good income and pretty good assets as well. Are you hoping to achieve that just from the super loan, kind of self fund it from that? Yep. Perfect. Perfect. So the way I look at it when it comes to longevity of your funds when you're in retirement is you need to be able to pull out a small enough amount that you're not gonna deplete it too quickly. K? So let's say you've got today you retire, you've got a million dollars in super as an example. If you pull out, say, 5% and you keep it in something nice and conservative, you can pretty much generate a four to 5% return to recoup what you take out of it, if that makes sense. So what that really leans you towards is based on the mill that you currently have, you're looking at about 50 to a 100,000 that you could take out if you were to retire today as an example. So if you build it up a bit further over the next five to six years, let's say you try and push it from 1,000,000 to maybe out 1.5, 1.5, 1.6, you could safely generate 75 to a 100,000 just from your super without depleting it too quickly. So let's call it kind of just over half of that retirement goal just purely from your super. Add in your partner's super, add in the other rents, and you should be okay. Now just to kind of tie it all in together, with the incomes that you're currently generating, because you've got the factory, the house, the investment property, do Do you have a just to figure off the top of your head about how much that's currently generating in either gross cash flow or net cash cash flow? Yep. K. 5,300 a month coming out of there. And just so I can kind of factor it in, how much super does your partner have? K. 400,000. So, realistically, if we can get you guys both combined to a little bit over 2,000,000, you should be there by the age of 67. K? And then you've got about 63,000 coming in in rents over there. That should pretty much be the goal. Would you agree? Yep. Perfect. Perfect. When it comes to TTR strategies, people talk about transition to retirement. You've gone through this process a little bit before. When was the last time that you've kind of looked through and talked to an adviser or somebody about what to do with your super? Yep. K. And did they talk you through how a transition strategy works at all? K. So all it basically means is that because you're at your preservation age and you're still working, you can access up to 10% of your super. And, basically, what they do is a recontribution where you can take some money out, put it back in again, save a bit on tax, and boost up your super that way. So, essentially, super tax at 15%. You've got a pretty big income, though, and the split between your base and your gross income, a 185,000 base, 230,000 gross income. Is that just a bit of a bump up from, like, overtime and things like that or bonuses? K. So the cap for your concessional contributions is about $30, and you can kind of use up what you haven't used for the last five years going backwards. Have you ever looked at your myGov account to see what you've got lying behind you? Mhmm. Okay. Potentially, yes. So what I'm sort of thinking, and it may be a bit of a two part strategy that we do with you, is this financial year, we're down to the last three months, and then you've got all of next financial year to consider as well. So when it comes to putting extra into superannuation, would you be wanting to use the bonus you get in November, or do you currently have cash available for this financial year? Use the bonus. Yes. So if we look at the bonus in November, what we basically need to find out is what you've got left over for what you're gonna end up with for this financial year, what you're likely to use up next financial year when you get that bonus, and then another few years behind that, and then we can kind of tie all that together into one thing. Yeah. So you might be division two nine three. Yes. So if you've been getting such big bonuses that you're getting little extra tax liabilities from the government, You're probably hitting division two ninety three tax category. Has your account never mentioned that to you when you last spoke to them? Okay. Perfect. Yeah. Yep. Yep. K. So you've already clicked that out for a couple of years, and your next big bonus is in November. Anything else coming through for the next three months? Okay. Perfect. Perfect. The only reason why is I just wanna make sure that I'm careful with how much is gonna go in there for this financial year in case that triggers again, and then that kind of clicks out three of the years potentially for you. Yep. And that's for 2425 financial year? Yep. 2324. Are you by any chance in your myGov account at the moment? K. When you that's okay. If you do get a second to go in there, when you go into the super section, there'll be, like, a little bit of a a piggy bank saying, like, a super with a dollar sign, little piggy bank button, and it'll tell you a unused cap. And they pretty much precalculate for you the last five financial years. And I just wanna see if there is anything to use up because since your incomes hit that point from '23 till now, you pretty much got your last chance to use some of that up before it gets wiped out. Yeah. Correct. So as it's like the walls kind of coming behind you from five years forwards, let's say we go two years down the line. Well, now you're up to those years where you're already going over 30,000 in, like, that division two nine three, and then that pretty much those years are lost. So is the way. Yep. You're in that position where most tax people in the country are high wage earners, and you get lumped in the category where people call you the mega rich, the 1%, and you get caught with all the taxes. Yeah. Yep. And there should be something to do with unused caps on there. Yeah. They don't update it pretty frequently. So compared to your current statement, it could be nine months out. I'm actually gonna bring mine up just so I can kind of show you as well. Just bear with me for a quick moment. Basically looking to try and get onto the super section of it, and there should be a button saying unused cap. I'll kinda show you. And are you in the tax office section of myGov? And just on your phone or PC? Phone. K. So you should have your super section. You got your reported super balance down below. Just like you were saying, that's a little bit on the low side. Perfect. So you know the little menu button at the top left of three lines? When you go into there, it should say home, tax, super, employment, and my profile. You wanna just hit the super button on there and then go into the information button and then carry forward concessional contributions. Yep. Is it currently set to 2526 on your screen? And just below that little blue box should say unused concessional contributions available to carry forward. Not eligible. Yeah. Yep. So you cut out from that. The only one they'll let you do is nonconcessional contributions, which you're not gonna get a tax deduction for, unfortunately. Yep. Forget that one. And when it comes to transition to retirement, you're getting close to a point where you can switch your super in to a bit of a pension account where it can earn kind of tax free. Whereas everything it currently earns in super, it gets cops about a 15% tax rate on the dividends and the capital growth. K? At the moment with your age, if you were trying to switch into a transition pension now to pull money out of super, you wouldn't be able to get it back in again for a tax deduction. So that strategy is kind of a bit moot at that point. The only thing you could do with it is recycle it through as nonconcessional, and that way you don't have to pay tax on your estate if you were to pass away. So whoever inheritance isn't gonna pay tax on it. It. Let me just quickly ask you as well because you obviously, Monique's there. I'm assuming you've got it all set up so that she's the first point of receipt in your estate plan. So as far as, like, estate planning goes, like a beneficiary of who receives your super, a will for your other assets, I'm assuming you're kind of just going to your partner. Oh, you mean, like, whether it's like, the terminology as far as lapsing and binding? You've got it as a nonbinding, have you? Yeah. All of it? Nonbinding means the the trustee or the super fund has discretion to who it goes to. Binding means it's legally binding. And how that usually comes about is if you did a nomination online, they normally set it up as non legally binding unless you actually sign a document that gets witnessed, like an actual legal beneficiary document. So it's usually a good idea to get it binding. It just have to go through that extra step of getting it signed on paper with two people witnessing it. So that's the first thing I'm gonna recommend is that we get your estate plan lined up that way. How's everything looking in terms of, like, will, power of attorney, and so on? K. I just thought I saw that you did you have an old will that you needed to update, or you've never put one in place? Okay. So we've got 25 year old will. We've got a nonbinding beneficiary nomination. That's a bit uncomfortable. And do you do you remember what a power of attorney does? Yeah. Perfect. I would always recommend you tie them together because even if you get a really fancy will, power of attorney is, like, $25 from the post office just so your partner can access bank accounts, talk to doctors without having to go to the courts. K? So we need to get all that fixed up. Have you got a lawyer that you use? Okay. You do have alternatives. So I'll go basic to advance for a moment. If you get a basic will kit or power of attorney from the post office, they're separate. They're, like, $25 from Oz Post. Your situation, you're probably in a little bit too complex to do the cheap will kit from the post office. You do have the option to go to the public trustee of the state. You know, when you go to the courts, they can also do wills similar to a solicitor as well. So it really is about how much you wanna pay there. Do you wanna just go to the courthouse, set up an appointment, and put a updated will in place, or do you wanna actually go through with a solicitor and set up things like a have you heard of a testamentary trust before? K. So because you have adult children, one of the things that people do in your position is you put in place a will where everyone talks about trust funds at your income level. You don't have to set one up while you're alive. You can have one that triggers with the will. So for example, trust fund gets established a testamentary trust. You pass away, your partner passes away, and then all of a sudden, a family trust absorbs all of your assets. It doesn't trigger capital gains, tax events, and things like that, and then you can distribute out funds to minor children under 18, adult children above 18, and just be a little bit more strategic about what happens with your assets. So one of the big things for you isn't even necessarily trying to eke out as many dollars as you can in your super at the moment. We'll we'll look at that, of course, but your estate plan needs to be kind of tightened a little bit. Now what I'll do is when I put together a plan for you, I'm gonna include some basic information about will, power of attorney, testamentary trust, and so on. That way when you go to speak to someone, you've just some information that you can run through with them, and that gives them a good starting point. Is that okay? Easy done. Easy done. Okay. So estate plan, partner, children. Is there anything else to do with your family that I need to take into account? And I'm gonna ask you a slightly awkward question, but it is important. Is there anyone outside of the family who could contest your will at this point? K. No ex spouses or anyone floating around, different countries or anything? Perfect. Nothing. Very straightforward. Okay. Okay. Easy. That's actually good to hear because building it all straightforward like you have where you've worked hard and built your assets up makes things a lot easier for everyone. You can obviously imagine the the types of scenarios that we get where a client passes away and four, five, six people come out of the woodworks and everyone just fights over their assets until it's zero. Perfect. So the main thing for you then is looking after your partner and your four children, and one of your children are 18. Correct? Yep. Okay. Perfect. Perfect. So that might be helpful. I'm definitely gonna look at recommending that you set up a testamentary trust will because when you've got minor and adult children, it just makes it a bit easier to look after them and also helps minimize estate tax as well. Okay. So just swinging back to the super for a quick moment as well. When it comes to what you were saying about maximizing growth, we go pretty straightforward with the investments that we pick at our view. So portfolios that we build, they're very ETF heavy. You're familiar with ETFs and managed funds. K, Paul. So the standard way I would explain it is that your your rest superannuation and most other super funds, they use these managed funds. You send your money to a fund manager. They'll invest it. They charge you fees. And it's usually a decent percentage of your balance to look after it. Whereas with the ETFs that we tend to lean towards, it's a little bit of a purchase to get them up front. So you spend a bit of brokerage like you would if you were buying some stocks. And then once you've got it, it's kind of the lowest investment fee to hold that ongoing for five, ten, fifteen, twenty years. So one of the things that you can look at is just, you know, minimize your investment fees, and they tend to have much better returns there as well. The only, I guess, trick with it is you need a platform or a super fund that can actually access investments outside of the usual 10. I know rest has usually about thirteen, fourteen options. They don't really give you access to anything outside of that. At your balance and your age, look, I'll just be completely honest with you. You can definitely afford to get the better platforms and super funds. You don't have to go as far as a self managed super fund because that's can be a little bit complex, so you can go that way if you want to. But at least get yourself, like, a wrap platform that has those 1,000 options and everything available to you even if it's only an extra couple $100 a year. Is that something that you would consider where I can do a bit of research and just show you what's out there? Yep. I get you. I'm with you. Okay. Yeah. Okay. K. Yeah. Okay. So let me ask you an important question then. So let's say that we put together a plan and you're happy with it. You say, you know what? I wanna become a client of Oakview Financial. I want you guys to help me look after these things, and we can talk about super, outside super, all kinds of different areas. Would you be okay with a certain amount of contact from your advisers? So we do offer quarterly, six monthly, and yearly. In order to look after the super and keep it low touch point for you, we do need to have the ability to get in contact with you to say, hey. We'd like to change this and that kind of thing. Cool. Okay. So it's mainly about, here's a document with our proposed changes. Are you comfortable with what we're proposing so you can sign off on the changes? Yep. Yeah. Yes. I'm with you. So there's a couple of options. So if we were to put together a portfolio, we'll try and find you and build you the best portfolio that we can because, again, there's two thousand options out there, and we wanna put together a portfolio for you to get you a better outcome, a better return. At least, that would require a twelve month review where we actually just talk for thirty minutes and say, hey. This is how it's going. What's going on in your life? This is what we'd like to change, and then come back for a second call to go through that document. The only other alternative is something called an SMA structure separately managed account, and all that does is it puts a bubble around your portfolio and allows a manager and your adviser to make chops and changes through the year and then send you a change report. It's a tiny bit more expensive, but a little bit less of a touch point for you. I can go either way. I just wanna make sure that you're comfortable with it. Okay. Perfect. That will that'll save us an extra 10 basis points, which would be really good. What I'd like to ask you one more thing because, obviously, I'm gonna give you a recommendation of what I think you should do, but I do need to tailor things a little bit because how it behaves is really important. Because as you watch it every year, need to make sure it's within what you expect. Simple, simple question is, you had to pick between lowest fees or paying extra to try and get a higher return, which way does your gut feeling pull you towards? Yep. Perfect. So as long as it's all about the end outcome, you don't really have a strong opinion either way. Okay. So what that kind of reveals is we can use a combination of passive or active funds for you and really just trying to get you the best mix one way or the other. I may even do something called a core and satellite where we use both. We put most of your super in a nice, safe, steady ship with the low fee investments, a couple of little satellites around it, small amounts. They kind of act like sled dogs that pull you along a little bit quicker. K? So I'll show you what that looks like. Risk level. The world at the moment is kind of a bit on fire. How have you found watching your super going up and down? And I know you went through that risk profile questionnaire, and you still came out to be about a four out of five on the risk scale. What are your thoughts on risk? K. As long as it kind of averages out over the long term. K. I'm gonna propose something, and this is just pure professional judgment here. If you're gonna access your Super 67 or possibly earlier, you don't really have a decade ahead of you to take on too much risk. And what I'm k. Is there any sort of strong leanings towards the age of 67 where you go might be earlier, might be later, or you're always gonna do a little bit of work on the side? K. So what I would then recommend is because you're in when you're at that four out of five growth risk profile, you usually need at least eight to nine years before you start retiring. Because if the market crashes, you need time for it to rebound and get the return that you're aiming for. If you go high risk, like, you know, a few 35 year olds I recommend go high risk, you need a decade plus. Because you're in that kind of middle ground where you're transitioning, still focusing on growth, but also want to protect it, you almost want to kind of go a bit more balanced with it, like a three out of five. 60 to 70% focusing on growth, 30 to 40% focusing on safety. Yeah. So you wouldn't have to immediately pull it out for a loss if the market was going down. You could have a few years where other funding sources. Okay. So as a bit of a a middle ground, instead of going for that 60% for a balanced fund, why don't we go, like, 70? Somewhere in between, balance to balance growth, I'll call it. That way, you could potentially get slightly, like, even a half peg less of risk than what you're currently taking, hopefully, with a bit lower investment fees and a slightly higher return and kind of get you that gold triangle almost. K. Balance to balance growth. What I'll do as well is because as advisers, we usually charge about three to 4% upfront to a capped amount of about 4,950 for the initial plan. And then ongoing, if we're managing the super, we usually charge about 1.65% to manage it each year. So I've got to factor in the returns, the fees, both from the super fund and from us and see if I can actually leave you in a better position. Because it's one thing to get you slightly lower fees and better return, but then if that gets eaten away by our fees, it's not gonna get you in a better spot in five years' time. So what I'm only gonna recommend is if I can get you a better outcome than that. Obviously, I can't guarantee what happens in the stock market. But what I mean is when all is said and done, we can project out that we can get you in a better position. K? So I'll factor that in as well. If we can't, I'll let you know. If we can, my job is essentially to hunt around the industry to find you what can. K. So at this point, we do up a little bit of a cleaning for the estate planning. We adjust your risk level in the super and get you a better outcome. I don't think you need to worry too much around doing those contribution strategies because you're already hitting division two nine three. So you're almost better off focusing more on the personal side of things than just the super. Can I ask you, do you have any major plans with accumulating more assets, or are you kind of happy with the ones that you've got? Yep. More cash flow. K. And part of the goals that you mentioned to the team was even doing a bit of a slowdown at work over the next five years. Are you still thinking of just kind of taking the foot off the gas a bit and maybe even going part time? Okay. Perfect. The other reason why I bring that up is if you need to draw down some of your super to supplement your income, we can do that, but I don't wanna do it too early if you don't need to. K. K. And still focusing a split between Queensland and Victoria as far as living situation and bouncing between states? Mhmm. Yeah. So that's kind of on hold for a little bit, would you say? K. Something to come back to. And just out of curiosity as far as investing goes, like, you've got your super, you've got your properties. Are you considering doing any personal investments to try and either grow some wealth or even build some funds up for the children, any of those considerations as well? Yep. Perfect. If it ever comes to a point where you wanna kind of mimic how your super invest and do a bit personally, we can do that for you as well. But at this point, I'll just let you focus on the properties and the super as the main combination. Okay? Last thing I wanted to go through with you, Paul, was just the you've got attached insurances to your rest super. You've got a little bit of life and disability cover. It's not much, but it's there. 400 thousand of each. Pretty much knocks out most of the debt that you have left. It looks like you really don't have much in the way of liabilities. You've pretty well paid most everything off. Is that correct? Fantastic. So this $400 pretty much covers your last liability. As you get to the point where you're debt free, you'll come to a point where you don't even need that anymore. Are you wanting to just kind of keep in place what's there, or are you wanting to get rid of it and save the premiums? What are your thoughts as far as Yeah. Okay. So when it comes to life and disability insurance, you pass away 400,000, you can never work again 400,000, it'll pretty much disappear over the next few years when it hits its expiry age, and it probably isn't gonna cost you too much in premiums to keep it there even if just for three or four years or so. The one that concerns me a bit is you've got some increased income protection where you're covering yourself for 12,615 a month because you're obviously on a really good income. When I kind of work that back, let's go $12.06 15. We'll go times 12. It's protecting pretty much an income of over $200,000, but that's where you're paying the most out of your $78,000 worth of premiums, and it'll go up next year as well. So when do the protection? Well, this is the question. Because you've hit your I'm just gonna be completely transparent with you. You can't replace that with another policy at your age. It's either keep it and pay for it or not. Like, there's no other insurer I can get you that would offer income protection for someone who's above the age of 60, 61. So this is kind of your last income protection policy. Potentially, you've got you've got a waiting period of sixty days. So if you're out of work for more than two months, it'll kick in monthly for up to five years. You can extend it out to ninety days if you have the savings and assets behind you where you go, you know what? Only in the worst case longer term scenarios. K? So potentially sixty to ninety. And then when it comes to benefit period, you've got it for five years. It's a pretty good middle ground. The only one that's more affordable is dropping it to two years worth of benefit, which could do, but I might factor in the premiums and see if we can get a reduction quote and just see how that looks like in in five, six years' time. Because if you can afford it and still get to your goal and have all of that kind of mix of yeah. So are you leaning towards at least keeping it for some protection, or are you thinking it's just not not necessary? Yep. I don't know if rest offers a waiting period beyond ninety days. Some funds even do twelve months or two years or something crazy like that. I'll check it, but at most, I'll just look at the ninety days, see if that'll help. K. Potentially, leave it at the five or two years. There's no point kind of doing anything other than that. And like I said, I'll factor in all the taxes, premiums, and fees to see what it looks like over the projections as well. K? I'd I wanna ask you the last one, which is trauma insurance. It's one of those ones that you have to pay out of pocket only to get some a medical lump sum if you have a heart attack, stroke, or cancer. The alternative if you don't get that fourth policy is that you're obviously relying on your family, your spouse, your savings, your assets, and the public health system. Do you have a strong need for looking for some lump sum cover if you were to be diagnosed with cancer or have a heart attack? Not really. Cool. As long as you're okay with, I guess, transferring the risk to your personal finances and your family, that's okay. K. So I've thrown a heap of information at you so far, Paul, but quick recap for you is we're gonna turn down a little bit of the risk on the super, try and optimize the returns a bit, see how that looks, alter the insurances a bit just to give you a bit of affordability and longevity on it, look at the estate planning to get all of that structure in place for your wife and the children. How is that sounding at the moment? Cool. Is there any other areas or anything that you feel I've missed so far? Okay. Alright. So when it comes to those first things that we spoke about when it comes to the carry forward transition to retirement, I'm likely to hold off on that until November. With the lump sum bonus that you're getting, I would probably more be looking at a non concessional contribution and still giving you access to pull the funds out if you needed to. My last question for you, Paul, is when you get that bonus, do you know around about how much it might be and what you would wanna use it? K. Not bad. That'll put you in a bit of a a fun tax bracket for sure. So we've got a 100 and 20 thousand rand. What about with the the home that you're currently in at the moment? Is that gonna be your your long term? Yeah. Okay. Yeah. Okay. That's fine. So I'll put a note on the file that as far as property moving from your PPR, that might be something that comes up in the next two to five years or so, but nothing that's immediate where you need to make a a sea change or a green change. Is that right? Yep. Perfect. Perfect. Awesome, Paul. I pretty much have everything that I need for the time being. I don't think I need any more information or details. I pretty much have enough to go away and put a plan together for you. Do you have any questions for me? K. Last thing I'll leave you with is on our website, you will find a financial services guide and an overview services guide. So this is essentially your consumer protections document. Whenever you work with an adviser, you need to receive a financial services guide. That's got our licensing information in there. It's got all the complaints procedure, all of the things that you would need to know about us and your protections legally as well. So you've got Oatview, our license, which we're self licensed because we're able to essentially recommend any products that we research, and then you've got the ombudsman and the government bodies in there as well. As a quick explanation of myself, so as the senior adviser, I've been in the industry for about twelve years now. You'll find in that services guide my authorized representative number with ASIC, and, essentially, it'll tell you on the government register all of my history through the industry. So you can kind of follow me along in the companies I've worked at. Now I've essentially been advising for almost twelve years now from the beginning. I've spent three years training advisers and only just recently gotten back on the tools because I kinda miss talking to people like yourself. So I will pretty much be looking after you with a team of advisers and Sevier, our director as well. And, yeah, just have a look if you've got a minute to go on the website for Oakview Financial. You can see a lot more about us as well between now and Friday. Awesome, Paul. Thank you so much for your time, sir. I'll dive in and research, and talk to you Friday. See you later. 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You've reached Tommy. I'm good, Fabian. How are you doing, mate? Yeah.\n\nYeah. Just got a couple of messages from Savvy, and I've just gotten this shared spreadsheet from Paul. We've got all the assets and on the goals and all that fun stuff. Fantastic. Yep.\n\nYeah. Perfect. Do you guys do any with these ones, if has anyone done, like, any risk profile type thing, or is that for me to sort of jump into? Yeah. Fantastic.\n\n16. Awesome. Smack bang in the growth, and he's nineteen sixty five. 61 years old. Perfect, dude.\n\nThat is amazing. Great information. Cool, mate. Yeah. Go for it.\n\nGo for it. Good day, Paul. Tommy here from Oakview, mate. How are you doing? Doing fantastic.\n\nIt's been a bit of a drizzle of a start to the week, but very much looking forward to it. What about your end? Victoria's a bit like that. It can chop and change on a dime, but at the moment, it looks beautiful compared to the Gold Coast. I'll tell you that.\n\nAwesome, mate. Yeah. Yeah. We're on the Gold Coast. We do serve nationally, but main office is out of the Gold Coast.\n\nAwesome. And, look, thanks very much for updating your details with the team there. I know there can be a decent amount of questions to get some information, but I really appreciate that because full overview of your situation really just helps me work out a few ideas and plans for you. Now what I wanted to just go through with you in just a little bit more depth is as I'm looking through this snapshot, you've obviously hit that period with your superannuation where you're past your preservation age. You can access your super.\n\nYou've got a few more strategies that are open to you. Can you just tell me in your own words kind of main thing that you're hoping to get out of going through this process with us? Yeah. Yeah. Absolutely.\n\nSo I guess looking through these goals here, and you're in that transition to retirement stage of your life as well, and you're looking to access the super in a few years' time, so you don't really have that ten, twenty, thirty years ahead of you to take on too much risk. So are you what's your sort of thoughts in terms of protecting what you've built versus growing it a little bit further? Just straight up growing it? Yep. Absolutely.\n\nSo when I look back about the income needs for retirement, we were talking about a goal of 3 to 4,000 per week. Now, ideally, it would be nice if you can get that mainly just from the superannuation, but you do have really good income and pretty good assets as well. Are you hoping to achieve that just from the super loan, kind of self fund it from that? Yep. Perfect.\n\nPerfect. So the way I look at it when it comes to longevity of your funds when you're in retirement is you need to be able to pull out a small enough amount that you're not gonna deplete it too quickly. K? So let's say you've got today you retire, you've got a million dollars in super as an example. If you pull out, say, 5% and you keep it in something nice and conservative, you can pretty much generate a four to 5% return to recoup what you take out of it, if that makes sense.\n\nSo what that really leans you towards is based on the mill that you currently have, you're looking at about 50 to a 100,000 that you could take out if you were to retire today as an example. So if you build it up a bit further over the next five to six years, let's say you try and push it from 1,000,000 to maybe out 1.5, 1.5, 1.6, you could safely generate 75 to a 100,000 just from your super without depleting it too quickly. So let's call it kind of just over half of that retirement goal just purely from your super. Add in your partner's super, add in the other rents, and you should be okay. Now just to kind of tie it all in together, with the incomes that you're currently generating, because you've got the factory, the house, the investment property, do Do you have a just to figure off the top of your head about how much that's currently generating in either gross cash flow or net cash cash flow?\n\nYep. K. 5,300 a month coming out of there. And just so I can kind of factor it in, how much super does your partner have? K.\n\n400,000. So, realistically, if we can get you guys both combined to a little bit over 2,000,000, you should be there by the age of 67. K? And then you've got about 63,000 coming in in rents over there. That should pretty much be the goal.\n\nWould you agree? Yep. Perfect. Perfect. When it comes to TTR strategies, people talk about transition to retirement.\n\nYou've gone through this process a little bit before. When was the last time that you've kind of looked through and talked to an adviser or somebody about what to do with your super? Yep. K. And did they talk you through how a transition strategy works at all?\n\nK. So all it basically means is that because you're at your preservation age and you're still working, you can access up to 10% of your super. And, basically, what they do is a recontribution where you can take some money out, put it back in again, save a bit on tax, and boost up your super that way. So, essentially, super tax at 15%. You've got a pretty big income, though, and the split between your base and your gross income, a 185,000 base, 230,000 gross income.\n\nIs that just a bit of a bump up from, like, overtime and things like that or bonuses? K. So the cap for your concessional contributions is about $30, and you can kind of use up what you haven't used for the last five years going backwards. Have you ever looked at your myGov account to see what you've got lying behind you? Mhmm.\n\nOkay. Potentially, yes. So what I'm sort of thinking, and it may be a bit of a two part strategy that we do with you, is this financial year, we're down to the last three months, and then you've got all of next financial year to consider as well. So when it comes to putting extra into superannuation, would you be wanting to use the bonus you get in November, or do you currently have cash available for this financial year? Use the bonus.\n\nYes. So if we look at the bonus in November, what we basically need to find out is what you've got left over for what you're gonna end up with for this financial year, what you're likely to use up next financial year when you get that bonus, and then another few years behind that, and then we can kind of tie all that together into one thing. Yeah. So you might be division two nine three. Yes.\n\nSo if you've been getting such big bonuses that you're getting little extra tax liabilities from the government, You're probably hitting division two ninety three tax category. Has your account never mentioned that to you when you last spoke to them? Okay. Perfect. Yeah.\n\nYep. Yep. K. So you've already clicked that out for a couple of years, and your next big bonus is in November. Anything else coming through for the next three months?\n\nOkay. Perfect. Perfect. The only reason why is I just wanna make sure that I'm careful with how much is gonna go in there for this financial year in case that triggers again, and then that kind of clicks out three of the years potentially for you. Yep.\n\nAnd that's for 2425 financial year? Yep. 2324. Are you by any chance in your myGov account at the moment? K.\n\nWhen you that's okay. If you do get a second to go in there, when you go into the super section, there'll be, like, a little bit of a a piggy bank saying, like, a super with a dollar sign, little piggy bank button, and it'll tell you a unused cap. And they pretty much precalculate for you the last five financial years. And I just wanna see if there is anything to use up because since your incomes hit that point from '23 till now, you pretty much got your last chance to use some of that up before it gets wiped out. Yeah.\n\nCorrect. So as it's like the walls kind of coming behind you from five years forwards, let's say we go two years down the line. Well, now you're up to those years where you're already going over 30,000 in, like, that division two nine three, and then that pretty much those years are lost. So is the way. Yep.\n\nYou're in that position where most tax people in the country are high wage earners, and you get lumped in the category where people call you the mega rich, the 1%, and you get caught with all the taxes. Yeah. Yep. And there should be something to do with unused caps on there. Yeah.\n\nThey don't update it pretty frequently. So compared to your current statement, it could be nine months out. I'm actually gonna bring mine up just so I can kind of show you as well. Just bear with me for a quick moment. Basically looking to try and get onto the super section of it, and there should be a button saying unused cap.\n\nI'll kinda show you. And are you in the tax office section of myGov? And just on your phone or PC? Phone. K.\n\nSo you should have your super section. You got your reported super balance down below. Just like you were saying, that's a little bit on the low side. Perfect. So you know the little menu button at the top left of three lines?\n\nWhen you go into there, it should say home, tax, super, employment, and my profile. You wanna just hit the super button on there and then go into the information button and then carry forward concessional contributions. Yep. Is it currently set to 2526 on your screen? And just below that little blue box should say unused concessional contributions available to carry forward.\n\nNot eligible. Yeah. Yep. So you cut out from that. The only one they'll let you do is nonconcessional contributions, which you're not gonna get a tax deduction for, unfortunately.\n\nYep. Forget that one. And when it comes to transition to retirement, you're getting close to a point where you can switch your super in to a bit of a pension account where it can earn kind of tax free. Whereas everything it currently earns in super, it gets cops about a 15% tax rate on the dividends and the capital growth. K?\n\nAt the moment with your age, if you were trying to switch into a transition pension now to pull money out of super, you wouldn't be able to get it back in again for a tax deduction. So that strategy is kind of a bit moot at that point. The only thing you could do with it is recycle it through as nonconcessional, and that way you don't have to pay tax on your estate if you were to pass away. So whoever inheritance isn't gonna pay tax on it. It.\n\nLet me just quickly ask you as well because you obviously, Monique's there. I'm assuming you've got it all set up so that she's the first point of receipt in your estate plan. So as far as, like, estate planning goes, like a beneficiary of who receives your super, a will for your other assets, I'm assuming you're kind of just going to your partner. Oh, you mean, like, whether it's like, the terminology as far as lapsing and binding? You've got it as a nonbinding, have you?\n\nYeah. All of it? Nonbinding means the the trustee or the super fund has discretion to who it goes to. Binding means it's legally binding. And how that usually comes about is if you did a nomination online, they normally set it up as non legally binding unless you actually sign a document that gets witnessed, like an actual legal beneficiary document.\n\nSo it's usually a good idea to get it binding. It just have to go through that extra step of getting it signed on paper with two people witnessing it. So that's the first thing I'm gonna recommend is that we get your estate plan lined up that way. How's everything looking in terms of, like, will, power of attorney, and so on? K.\n\nI just thought I saw that you did you have an old will that you needed to update, or you've never put one in place? Okay. So we've got 25 year old will. We've got a nonbinding beneficiary nomination. That's a bit uncomfortable.\n\nAnd do you do you remember what a power of attorney does? Yeah. Perfect. I would always recommend you tie them together because even if you get a really fancy will, power of attorney is, like, $25 from the post office just so your partner can access bank accounts, talk to doctors without having to go to the courts. K?\n\nSo we need to get all that fixed up. Have you got a lawyer that you use? Okay. You do have alternatives. So I'll go basic to advance for a moment.\n\nIf you get a basic will kit or power of attorney from the post office, they're separate. They're, like, $25 from Oz Post. Your situation, you're probably in a little bit too complex to do the cheap will kit from the post office. You do have the option to go to the public trustee of the state. You know, when you go to the courts, they can also do wills similar to a solicitor as well.\n\nSo it really is about how much you wanna pay there. Do you wanna just go to the courthouse, set up an appointment, and put a updated will in place, or do you wanna actually go through with a solicitor and set up things like a have you heard of a testamentary trust before? K. So because you have adult children, one of the things that people do in your position is you put in place a will where everyone talks about trust funds at your income level. You don't have to set one up while you're alive.\n\nYou can have one that triggers with the will. So for example, trust fund gets established a testamentary trust. You pass away, your partner passes away, and then all of a sudden, a family trust absorbs all of your assets. It doesn't trigger capital gains, tax events, and things like that, and then you can distribute out funds to minor children under 18, adult children above 18, and just be a little bit more strategic about what happens with your assets. So one of the big things for you isn't even necessarily trying to eke out as many dollars as you can in your super at the moment.\n\nWe'll we'll look at that, of course, but your estate plan needs to be kind of tightened a little bit. Now what I'll do is when I put together a plan for you, I'm gonna include some basic information about will, power of attorney, testamentary trust, and so on. That way when you go to speak to someone, you've just some information that you can run through with them, and that gives them a good starting point. Is that okay? Easy done.\n\nEasy done. Okay. So estate plan, partner, children. Is there anything else to do with your family that I need to take into account? And I'm gonna ask you a slightly awkward question, but it is important.\n\nIs there anyone outside of the family who could contest your will at this point? K. No ex spouses or anyone floating around, different countries or anything? Perfect. Nothing.\n\nVery straightforward. Okay. Okay. Easy. That's actually good to hear because building it all straightforward like you have where you've worked hard and built your assets up makes things a lot easier for everyone.\n\nYou can obviously imagine the the types of scenarios that we get where a client passes away and four, five, six people come out of the woodworks and everyone just fights over their assets until it's zero. Perfect. So the main thing for you then is looking after your partner and your four children, and one of your children are 18. Correct? Yep.\n\nOkay. Perfect. Perfect. So that might be helpful. I'm definitely gonna look at recommending that you set up a testamentary trust will because when you've got minor and adult children, it just makes it a bit easier to look after them and also helps minimize estate tax as well.\n\nOkay. So just swinging back to the super for a quick moment as well. When it comes to what you were saying about maximizing growth, we go pretty straightforward with the investments that we pick at our view. So portfolios that we build, they're very ETF heavy. You're familiar with ETFs and managed funds.\n\nK, Paul. So the standard way I would explain it is that your your rest superannuation and most other super funds, they use these managed funds. You send your money to a fund manager. They'll invest it. They charge you fees.\n\nAnd it's usually a decent percentage of your balance to look after it. Whereas with the ETFs that we tend to lean towards, it's a little bit of a purchase to get them up front. So you spend a bit of brokerage like you would if you were buying some stocks. And then once you've got it, it's kind of the lowest investment fee to hold that ongoing for five, ten, fifteen, twenty years. So one of the things that you can look at is just, you know, minimize your investment fees, and they tend to have much better returns there as well.\n\nThe only, I guess, trick with it is you need a platform or a super fund that can actually access investments outside of the usual 10. I know rest has usually about thirteen, fourteen options. They don't really give you access to anything outside of that. At your balance and your age, look, I'll just be completely honest with you. You can definitely afford to get the better platforms and super funds.\n\nYou don't have to go as far as a self managed super fund because that's can be a little bit complex, so you can go that way if you want to. But at least get yourself, like, a wrap platform that has those 1,000 options and everything available to you even if it's only an extra couple $100 a year. Is that something that you would consider where I can do a bit of research and just show you what's out there? Yep. I get you.\n\nI'm with you. Okay. Yeah. Okay. K.\n\nYeah. Okay. So let me ask you an important question then. So let's say that we put together a plan and you're happy with it. You say, you know what?\n\nI wanna become a client of Oakview Financial. I want you guys to help me look after these things, and we can talk about super, outside super, all kinds of different areas. Would you be okay with a certain amount of contact from your advisers? So we do offer quarterly, six monthly, and yearly. In order to look after the super and keep it low touch point for you, we do need to have the ability to get in contact with you to say, hey.\n\nWe'd like to change this and that kind of thing. Cool. Okay. So it's mainly about, here's a document with our proposed changes. Are you comfortable with what we're proposing so you can sign off on the changes?\n\nYep. Yeah. Yes. I'm with you. So there's a couple of options.\n\nSo if we were to put together a portfolio, we'll try and find you and build you the best portfolio that we can because, again, there's two thousand options out there, and we wanna put together a portfolio for you to get you a better outcome, a better return. At least, that would require a twelve month review where we actually just talk for thirty minutes and say, hey. This is how it's going. What's going on in your life? This is what we'd like to change, and then come back for a second call to go through that document.\n\nThe only other alternative is something called an SMA structure separately managed account, and all that does is it puts a bubble around your portfolio and allows a manager and your adviser to make chops and changes through the year and then send you a change report. It's a tiny bit more expensive, but a little bit less of a touch point for you. I can go either way. I just wanna make sure that you're comfortable with it. Okay.\n\nPerfect. That will that'll save us an extra 10 basis points, which would be really good. What I'd like to ask you one more thing because, obviously, I'm gonna give you a recommendation of what I think you should do, but I do need to tailor things a little bit because how it behaves is really important. Because as you watch it every year, need to make sure it's within what you expect. Simple, simple question is, you had to pick between lowest fees or paying extra to try and get a higher return, which way does your gut feeling pull you towards?\n\nYep. Perfect. So as long as it's all about the end outcome, you don't really have a strong opinion either way. Okay. So what that kind of reveals is we can use a combination of passive or active funds for you and really just trying to get you the best mix one way or the other.\n\nI may even do something called a core and satellite where we use both. We put most of your super in a nice, safe, steady ship with the low fee investments, a couple of little satellites around it, small amounts. They kind of act like sled dogs that pull you along a little bit quicker. K? So I'll show you what that looks like.\n\nRisk level. The world at the moment is kind of a bit on fire. How have you found watching your super going up and down? And I know you went through that risk profile questionnaire, and you still came out to be about a four out of five on the risk scale. What are your thoughts on risk?\n\nK. As long as it kind of averages out over the long term. K. I'm gonna propose something, and this is just pure professional judgment here. If you're gonna access your Super 67 or possibly earlier, you don't really have a decade ahead of you to take on too much risk.\n\nAnd what I'm k. Is there any sort of strong leanings towards the age of 67 where you go might be earlier, might be later, or you're always gonna do a little bit of work on the side? K. So what I would then recommend is because you're in when you're at that four out of five growth risk profile, you usually need at least eight to nine years before you start retiring. Because if the market crashes, you need time for it to rebound and get the return that you're aiming for.\n\nIf you go high risk, like, you know, a few 35 year olds I recommend go high risk, you need a decade plus. Because you're in that kind of middle ground where you're transitioning, still focusing on growth, but also want to protect it, you almost want to kind of go a bit more balanced with it, like a three out of five. 60 to 70% focusing on growth, 30 to 40% focusing on safety. Yeah. So you wouldn't have to immediately pull it out for a loss if the market was going down.\n\nYou could have a few years where other funding sources. Okay. So as a bit of a a middle ground, instead of going for that 60% for a balanced fund, why don't we go, like, 70? Somewhere in between, balance to balance growth, I'll call it. That way, you could potentially get slightly, like, even a half peg less of risk than what you're currently taking, hopefully, with a bit lower investment fees and a slightly higher return and kind of get you that gold triangle almost.\n\nK. Balance to balance growth. What I'll do as well is because as advisers, we usually charge about three to 4% upfront to a capped amount of about 4,950 for the initial plan. And then ongoing, if we're managing the super, we usually charge about 1.65% to manage it each year. So I've got to factor in the returns, the fees, both from the super fund and from us and see if I can actually leave you in a better position.\n\nBecause it's one thing to get you slightly lower fees and better return, but then if that gets eaten away by our fees, it's not gonna get you in a better spot in five years' time. So what I'm only gonna recommend is if I can get you a better outcome than that. Obviously, I can't guarantee what happens in the stock market. But what I mean is when all is said and done, we can project out that we can get you in a better position. K?\n\nSo I'll factor that in as well. If we can't, I'll let you know. If we can, my job is essentially to hunt around the industry to find you what can. K. So at this point, we do up a little bit of a cleaning for the estate planning.\n\nWe adjust your risk level in the super and get you a better outcome. I don't think you need to worry too much around doing those contribution strategies because you're already hitting division two nine three. So you're almost better off focusing more on the personal side of things than just the super. Can I ask you, do you have any major plans with accumulating more assets, or are you kind of happy with the ones that you've got? Yep.\n\nMore cash flow. K. And part of the goals that you mentioned to the team was even doing a bit of a slowdown at work over the next five years. Are you still thinking of just kind of taking the foot off the gas a bit and maybe even going part time? Okay.\n\nPerfect. The other reason why I bring that up is if you need to draw down some of your super to supplement your income, we can do that, but I don't wanna do it too early if you don't need to. K. K. And still focusing a split between Queensland and Victoria as far as living situation and bouncing between states?\n\nMhmm. Yeah. So that's kind of on hold for a little bit, would you say? K. Something to come back to.\n\nAnd just out of curiosity as far as investing goes, like, you've got your super, you've got your properties. Are you considering doing any personal investments to try and either grow some wealth or even build some funds up for the children, any of those considerations as well? Yep. Perfect. If it ever comes to a point where you wanna kind of mimic how your super invest and do a bit personally, we can do that for you as well.\n\nBut at this point, I'll just let you focus on the properties and the super as the main combination. Okay? Last thing I wanted to go through with you, Paul, was just the you've got attached insurances to your rest super. You've got a little bit of life and disability cover. It's not much, but it's there.\n\n400 thousand of each. Pretty much knocks out most of the debt that you have left. It looks like you really don't have much in the way of liabilities. You've pretty well paid most everything off. Is that correct?\n\nFantastic. So this $400 pretty much covers your last liability. As you get to the point where you're debt free, you'll come to a point where you don't even need that anymore. Are you wanting to just kind of keep in place what's there, or are you wanting to get rid of it and save the premiums? What are your thoughts as far as Yeah.\n\nOkay. So when it comes to life and disability insurance, you pass away 400,000, you can never work again 400,000, it'll pretty much disappear over the next few years when it hits its expiry age, and it probably isn't gonna cost you too much in premiums to keep it there even if just for three or four years or so. The one that concerns me a bit is you've got some increased income protection where you're covering yourself for 12,615 a month because you're obviously on a really good income. When I kind of work that back, let's go $12.06 15. We'll go times 12.\n\nIt's protecting pretty much an income of over $200,000, but that's where you're paying the most out of your $78,000 worth of premiums, and it'll go up next year as well. So when do the protection? Well, this is the question. Because you've hit your I'm just gonna be completely transparent with you. You can't replace that with another policy at your age.\n\nIt's either keep it and pay for it or not. Like, there's no other insurer I can get you that would offer income protection for someone who's above the age of 60, 61. So this is kind of your last income protection policy. Potentially, you've got you've got a waiting period of sixty days. So if you're out of work for more than two months, it'll kick in monthly for up to five years.\n\nYou can extend it out to ninety days if you have the savings and assets behind you where you go, you know what? Only in the worst case longer term scenarios. K? So potentially sixty to ninety. And then when it comes to benefit period, you've got it for five years.\n\nIt's a pretty good middle ground. The only one that's more affordable is dropping it to two years worth of benefit, which could do, but I might factor in the premiums and see if we can get a reduction quote and just see how that looks like in in five, six years' time. Because if you can afford it and still get to your goal and have all of that kind of mix of yeah. So are you leaning towards at least keeping it for some protection, or are you thinking it's just not not necessary? Yep.\n\nI don't know if rest offers a waiting period beyond ninety days. Some funds even do twelve months or two years or something crazy like that. I'll check it, but at most, I'll just look at the ninety days, see if that'll help. K. Potentially, leave it at the five or two years.\n\nThere's no point kind of doing anything other than that. And like I said, I'll factor in all the taxes, premiums, and fees to see what it looks like over the projections as well. K? I'd I wanna ask you the last one, which is trauma insurance. It's one of those ones that you have to pay out of pocket only to get some a medical lump sum if you have a heart attack, stroke, or cancer.\n\nThe alternative if you don't get that fourth policy is that you're obviously relying on your family, your spouse, your savings, your assets, and the public health system. Do you have a strong need for looking for some lump sum cover if you were to be diagnosed with cancer or have a heart attack? Not really. Cool. As long as you're okay with, I guess, transferring the risk to your personal finances and your family, that's okay.\n\nK. So I've thrown a heap of information at you so far, Paul, but quick recap for you is we're gonna turn down a little bit of the risk on the super, try and optimize the returns a bit, see how that looks, alter the insurances a bit just to give you a bit of affordability and longevity on it, look at the estate planning to get all of that structure in place for your wife and the children. How is that sounding at the moment? Cool. Is there any other areas or anything that you feel I've missed so far?\n\nOkay. Alright. So when it comes to those first things that we spoke about when it comes to the carry forward transition to retirement, I'm likely to hold off on that until November. With the lump sum bonus that you're getting, I would probably more be looking at a non concessional contribution and still giving you access to pull the funds out if you needed to. My last question for you, Paul, is when you get that bonus, do you know around about how much it might be and what you would wanna use it?\n\nK. Not bad. That'll put you in a bit of a a fun tax bracket for sure. So we've got a 100 and 20 thousand rand. What about with the the home that you're currently in at the moment?\n\nIs that gonna be your your long term? Yeah. Okay. Yeah. Okay.\n\nThat's fine. So I'll put a note on the file that as far as property moving from your PPR, that might be something that comes up in the next two to five years or so, but nothing that's immediate where you need to make a a sea change or a green change. Is that right? Yep. Perfect.\n\nPerfect. Awesome, Paul. I pretty much have everything that I need for the time being. I don't think I need any more information or details. I pretty much have enough to go away and put a plan together for you.\n\nDo you have any questions for me? K. Last thing I'll leave you with is on our website, you will find a financial services guide and an overview services guide. So this is essentially your consumer protections document. Whenever you work with an adviser, you need to receive a financial services guide.\n\nThat's got our licensing information in there. It's got all the complaints procedure, all of the things that you would need to know about us and your protections legally as well. So you've got Oatview, our license, which we're self licensed because we're able to essentially recommend any products that we research, and then you've got the ombudsman and the government bodies in there as well. As a quick explanation of myself, so as the senior adviser, I've been in the industry for about twelve years now. You'll find in that services guide my authorized representative number with ASIC, and, essentially, it'll tell you on the government register all of my history through the industry.\n\nSo you can kind of follow me along in the companies I've worked at. Now I've essentially been advising for almost twelve years now from the beginning. I've spent three years training advisers and only just recently gotten back on the tools because I kinda miss talking to people like yourself. So I will pretty much be looking after you with a team of advisers and Sevier, our director as well. And, yeah, just have a look if you've got a minute to go on the website for Oakview Financial.\n\nYou can see a lot more about us as well between now and Friday. Awesome, Paul. Thank you so much for your time, sir. I'll dive in and research, and talk to you Friday. See you later.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.8399999,"end":2.24,"sentiment":"neutral","sentiment_score":0.03431156277656555},{"text":"You've reached Tommy.","start":2.24,"end":3.22,"sentiment":"neutral","sentiment_score":0.05256287008523941},{"text":"I'm good, Fabian.","start":6.08,"end":6.7999997,"sentiment":"positive","sentiment_score":0.5411066015561422},{"text":"How are you doing, mate?","start":6.7999997,"end":8.1,"sentiment":"positive","sentiment_score":0.35176862478256227},{"text":"Yeah.","start":14.655001,"end":14.895,"sentiment":"neutral","sentiment_score":0.08067411184310913}],"sentiment":"neutral","sentiment_score":0.2811413241120485,"num_words":13,"start":1.8399999,"end":14.895},{"sentences":[{"text":"Yeah.","start":14.895,"end":15.135,"sentiment":"neutral","sentiment_score":0.120484821498394},{"text":"Just got a couple of messages from Savvy, and I've just gotten this shared spreadsheet from Paul.","start":15.135,"end":20.515,"sentiment":"neutral","sentiment_score":0.2210526299827239},{"text":"We've got all the assets and on the goals and all that fun stuff.","start":21.135,"end":25.555,"sentiment":"positive","sentiment_score":0.5519151261874607},{"text":"Fantastic.","start":25.615,"end":26.115,"sentiment":"positive","sentiment_score":0.623153567314148},{"text":"Yep.","start":38.79,"end":39.255,"sentiment":"neutral","sentiment_score":0.17597782611846924}],"sentiment":"positive","sentiment_score":0.3648330203312285,"num_words":34,"start":14.895,"end":39.255},{"sentences":[{"text":"Yeah.","start":61.43,"end":61.93,"sentiment":"neutral","sentiment_score":0.09186133742332458},{"text":"Perfect.","start":64.325,"end":64.805,"sentiment":"neutral","sentiment_score":0.19353455305099487},{"text":"Do you guys do any with these ones, if has anyone done, like, any risk profile type thing, or is that for me to sort of jump into?","start":64.805,"end":70.985,"sentiment":"neutral","sentiment_score":0.04497313512755292},{"text":"Yeah.","start":76.5,"end":76.98,"sentiment":"neutral","sentiment_score":0.03881486877799034},{"text":"Fantastic.","start":76.98,"end":77.48,"sentiment":"neutral","sentiment_score":0.22780203819274905}],"sentiment":"neutral","sentiment_score":0.05660189315676689,"num_words":32,"start":61.43,"end":77.48},{"sentences":[{"text":"16.","start":80.020004,"end":80.520004,"sentiment":"neutral","sentiment_score":0.06552761793136597},{"text":"Awesome.","start":81.22,"end":81.72,"sentiment":"neutral","sentiment_score":0.31775182485580444},{"text":"Smack bang in the growth, and he's nineteen sixty five.","start":82.26,"end":86.68,"sentiment":"neutral","sentiment_score":0.19603161215782167},{"text":"61 years old.","start":89.475006,"end":90.515,"sentiment":"neutral","sentiment_score":0.07269132013122241},{"text":"Perfect, dude.","start":90.515,"end":91.075005,"sentiment":"positive","sentiment_score":0.49994832277297974}],"sentiment":"neutral","sentiment_score":0.20950389237088315,"num_words":17,"start":80.020004,"end":91.075005},{"sentences":[{"text":"That is amazing.","start":91.075005,"end":92.055,"sentiment":"positive","sentiment_score":0.6041852633158366},{"text":"Great information.","start":92.435005,"end":93.175,"sentiment":"neutral","sentiment_score":0.3134395480155945},{"text":"Cool, mate.","start":96.195,"end":97.015,"sentiment":"neutral","sentiment_score":0.17570964992046356},{"text":"Yeah.","start":98.675,"end":98.995,"sentiment":"neutral","sentiment_score":0.16277197003364563},{"text":"Go for it.","start":98.995,"end":99.475006,"sentiment":"neutral","sentiment_score":0.2556631068388621}],"sentiment":"positive","sentiment_score":0.338237770579078,"num_words":11,"start":91.075005,"end":99.475006},{"sentences":[{"text":"Go for it.","start":99.475006,"end":100.32,"sentiment":"neutral","sentiment_score":0.2663264771302541},{"text":"Good day, Paul.","start":131.06999,"end":131.70999,"sentiment":"positive","sentiment_score":0.4204692443211873},{"text":"Tommy here from Oakview, mate.","start":131.70999,"end":132.98999,"sentiment":"neutral","sentiment_score":0.23369206488132477},{"text":"How are you doing?","start":132.98999,"end":133.73,"sentiment":"neutral","sentiment_score":0.20722270384430885},{"text":"Doing fantastic.","start":135.55,"end":136.45,"sentiment":"positive","sentiment_score":0.7312699556350708}],"sentiment":"neutral","sentiment_score":0.3247222479651956,"num_words":17,"start":99.475006,"end":136.45},{"sentences":[{"text":"It's been a bit of a drizzle of a start to the week, but very much looking forward to it.","start":136.51,"end":140.625,"sentiment":"positive","sentiment_score":0.4897752061486244},{"text":"What about your end?","start":140.625,"end":141.685,"sentiment":"neutral","sentiment_score":0.12495823577046394},{"text":"Victoria's a bit like that.","start":146.065,"end":147.425,"sentiment":"neutral","sentiment_score":0.30390740633010865},{"text":"It can chop and change on a dime, but at the moment, it looks beautiful compared to the Gold Coast.","start":147.425,"end":151.505,"sentiment":"neutral","sentiment_score":0.27197871282696723},{"text":"I'll tell you that.","start":151.505,"end":152.485,"sentiment":"neutral","sentiment_score":0.14902473986148834}],"sentiment":"positive","sentiment_score":0.3368027795035884,"num_words":53,"start":136.51,"end":152.485},{"sentences":[{"text":"Awesome, mate.","start":154.76999,"end":155.59,"sentiment":"neutral","sentiment_score":0.1031135767698288},{"text":"Yeah.","start":156.29,"end":156.61,"sentiment":"neutral","sentiment_score":0.027848251163959503},{"text":"Yeah.","start":156.61,"end":156.84999,"sentiment":"neutral","sentiment_score":0.032249972224235535},{"text":"We're on the Gold Coast.","start":156.84999,"end":157.89,"sentiment":"neutral","sentiment_score":0.03881302177906036},{"text":"We do serve nationally, but main office is out of the Gold Coast.","start":157.89,"end":161.59,"sentiment":"neutral","sentiment_score":0.030844322334115323}],"sentiment":"neutral","sentiment_score":0.03915303073484789,"num_words":22,"start":154.76999,"end":161.59},{"sentences":[{"text":"Awesome.","start":163.65,"end":164.12999,"sentiment":"neutral","sentiment_score":0.3107990622520447},{"text":"And, look, thanks very much for updating your details with the team there.","start":164.12999,"end":167.01,"sentiment":"positive","sentiment_score":0.43498212786821217},{"text":"I know there can be a decent amount of questions to get some information, but I really appreciate that because full overview of your situation really just helps me work out a few ideas and plans for you.","start":167.01,"end":178.30501,"sentiment":"positive","sentiment_score":0.3822522665324964},{"text":"Now what I wanted to just go through with you in just a little bit more depth is as I'm looking through this snapshot, you've obviously hit that period with your superannuation where you're past your preservation age.","start":181.18001,"end":191.74,"sentiment":"neutral","sentiment_score":0.056117722176407515},{"text":"You can access your super.","start":191.74,"end":193.365,"sentiment":"neutral","sentiment_score":0.08206930756568909}],"sentiment":"neutral","sentiment_score":0.24246287192953261,"num_words":95,"start":163.65,"end":193.365},{"sentences":[{"text":"You've got a few more strategies that are open to you.","start":193.585,"end":196.645,"sentiment":"neutral","sentiment_score":0.09447387944568288},{"text":"Can you just tell me in your own words kind of main thing that you're hoping to get out of going through this process with us?","start":197.185,"end":202.805,"sentiment":"neutral","sentiment_score":0.09696825565053867},{"text":"Yeah.","start":250.045,"end":250.545,"sentiment":"neutral","sentiment_score":-0.06274378299713135},{"text":"Yeah.","start":262.62,"end":263.1,"sentiment":"neutral","sentiment_score":0.1628823280334473},{"text":"Absolutely.","start":263.1,"end":263.6,"sentiment":"positive","sentiment_score":0.3356027901172638}],"sentiment":"neutral","sentiment_score":0.09990321639925241,"num_words":40,"start":193.585,"end":263.6},{"sentences":[{"text":"So I guess looking through these goals here, and you're in that transition to retirement stage of your life as well, and you're looking to access the super in a few years' time, so you don't really have that ten, twenty, thirty years ahead of you to take on too much risk.","start":263.82,"end":278.335,"sentiment":"neutral","sentiment_score":0.23546651829607212},{"text":"So are you what's your sort of thoughts in terms of protecting what you've built versus growing it a little bit further?","start":278.59,"end":283.81,"sentiment":"neutral","sentiment_score":0.06783959100192244},{"text":"Just straight up growing it?","start":287.47,"end":288.93,"sentiment":"neutral","sentiment_score":0.05159839615225792},{"text":"Yep.","start":298.36502,"end":298.86502,"sentiment":"neutral","sentiment_score":0.02910440228879452},{"text":"Absolutely.","start":320.555,"end":321.055,"sentiment":"neutral","sentiment_score":0.17135438323020935}],"sentiment":"neutral","sentiment_score":0.1752491446878807,"num_words":81,"start":263.82,"end":321.055},{"sentences":[{"text":"So when I look back about the income needs for retirement, we were talking about a goal of 3 to 4,000 per week.","start":321.515,"end":329.215,"sentiment":"neutral","sentiment_score":0.13216022013322168},{"text":"Now, ideally, it would be nice if you can get that mainly just from the superannuation, but you do have really good income and pretty good assets as well.","start":330.33,"end":338.66998,"sentiment":"positive","sentiment_score":0.3770571217454713},{"text":"Are you hoping to achieve that just from the super loan, kind of self fund it from that?","start":338.81,"end":343.335,"sentiment":"neutral","sentiment_score":0.24271593905157512},{"text":"Yep.","start":350.13498,"end":350.63498,"sentiment":"neutral","sentiment_score":0.1888785809278488},{"text":"Perfect.","start":366.23,"end":366.55002,"sentiment":"positive","sentiment_score":0.5824450254440308}],"sentiment":"neutral","sentiment_score":0.2654798903192083,"num_words":72,"start":321.515,"end":366.55002},{"sentences":[{"text":"Perfect.","start":366.55002,"end":366.95,"sentiment":"neutral","sentiment_score":0.20419223606586456},{"text":"So the way I look at it when it comes to longevity of your funds when you're in retirement is you need to be able to pull out a small enough amount that you're not gonna deplete it too quickly.","start":366.95,"end":377.805,"sentiment":"neutral","sentiment_score":0.13549350742250682},{"text":"K?","start":378.42502,"end":378.92502,"sentiment":"neutral","sentiment_score":0.1164591908454895},{"text":"So let's say you've got today you retire, you've got a million dollars in super as an example.","start":379.225,"end":383.725,"sentiment":"neutral","sentiment_score":0.2951845626036326},{"text":"If you pull out, say, 5% and you keep it in something nice and conservative, you can pretty much generate a four to 5% return to recoup what you take out of it, if that makes sense.","start":384.19998,"end":394.22,"sentiment":"positive","sentiment_score":0.50084308031443}],"sentiment":"neutral","sentiment_score":0.3049990497145456,"num_words":97,"start":366.55002,"end":394.22},{"sentences":[{"text":"So what that really leans you towards is based on the mill that you currently have, you're looking at about 50 to a 100,000 that you could take out if you were to retire today as an example.","start":395.0,"end":404.84497,"sentiment":"neutral","sentiment_score":0.26938849138586146},{"text":"So if you build it up a bit further over the next five to six years, let's say you try and push it from 1,000,000 to maybe out 1.5, 1.5, 1.6, you could safely generate 75 to a 100,000 just from your super without depleting it too quickly.","start":406.82498,"end":423.46,"sentiment":"neutral","sentiment_score":0.27501083274061483},{"text":"So let's call it kind of just over half of that retirement goal just purely from your super.","start":424.8,"end":430.18,"sentiment":"neutral","sentiment_score":0.3290829004512893},{"text":"Add in your partner's super, add in the other rents, and you should be okay.","start":430.35498,"end":434.29498,"sentiment":"neutral","sentiment_score":0.3239473561445872},{"text":"Now just to kind of tie it all in together, with the incomes that you're currently generating, because you've got the factory, the house, the investment property, do Do you have a just to figure off the top of your head about how much that's currently generating in either gross cash flow or net cash cash flow?","start":436.675,"end":453.29,"sentiment":"neutral","sentiment_score":0.08978495308965967}],"sentiment":"neutral","sentiment_score":0.223509815458039,"num_words":176,"start":395.0,"end":453.29},{"sentences":[{"text":"Yep.","start":465.76498,"end":466.26498,"sentiment":"neutral","sentiment_score":0.1042826771736145},{"text":"K.","start":469.22,"end":469.72,"sentiment":"neutral","sentiment_score":0.05860165134072304},{"text":"5,300 a month coming out of there.","start":469.94,"end":472.74002,"sentiment":"neutral","sentiment_score":0.0746980288199016},{"text":"And just so I can kind of factor it in, how much super does your partner have?","start":472.74002,"end":476.92,"sentiment":"neutral","sentiment_score":0.05856525295359247},{"text":"K.","start":482.035,"end":482.535,"sentiment":"neutral","sentiment_score":0.02926955744624138}],"sentiment":"neutral","sentiment_score":0.06335738473744304,"num_words":27,"start":465.76498,"end":482.535},{"sentences":[{"text":"400,000.","start":482.595,"end":484.455,"sentiment":"neutral","sentiment_score":0.0560266375541687},{"text":"So, realistically, if we can get you guys both combined to a little bit over 2,000,000, you should be there by the age of 67.","start":485.315,"end":493.415,"sentiment":"neutral","sentiment_score":0.17005060970783234},{"text":"K?","start":495.62,"end":496.1,"sentiment":"neutral","sentiment_score":0.04379797354340553},{"text":"And then you've got about 63,000 coming in in rents over there.","start":496.1,"end":499.63998,"sentiment":"neutral","sentiment_score":0.06759889905030529},{"text":"That should pretty much be the goal.","start":500.18,"end":501.69998,"sentiment":"positive","sentiment_score":0.5368343847138541}],"sentiment":"neutral","sentiment_score":0.1939155942476962,"num_words":46,"start":482.595,"end":501.69998},{"sentences":[{"text":"Would you agree?","start":501.69998,"end":502.52,"sentiment":"neutral","sentiment_score":0.21055059134960175},{"text":"Yep.","start":504.18,"end":504.58,"sentiment":"neutral","sentiment_score":0.31623315811157227},{"text":"Perfect.","start":504.58,"end":504.97998,"sentiment":"positive","sentiment_score":0.7866492867469788},{"text":"Perfect.","start":504.97998,"end":505.47998,"sentiment":"positive","sentiment_score":0.738580584526062},{"text":"When it comes to TTR strategies, people talk about transition to retirement.","start":506.11502,"end":510.215,"sentiment":"neutral","sentiment_score":0.29405126720666885}],"sentiment":"positive","sentiment_score":0.33342944499519134,"num_words":18,"start":501.69998,"end":510.215},{"sentences":[{"text":"You've gone through this process a little bit before.","start":511.315,"end":513.955,"sentiment":"neutral","sentiment_score":0.13975511408514446},{"text":"When was the last time that you've kind of looked through and talked to an adviser or somebody about what to do with your super?","start":513.955,"end":519.41504,"sentiment":"neutral","sentiment_score":0.049720562398433685},{"text":"Yep.","start":542.235,"end":542.735,"sentiment":"neutral","sentiment_score":0.03751692175865173},{"text":"K.","start":543.355,"end":543.835,"sentiment":"neutral","sentiment_score":0.03069116361439228},{"text":"And did they talk you through how a transition strategy works at all?","start":543.835,"end":547.41,"sentiment":"neutral","sentiment_score":0.08272656827018811}],"sentiment":"neutral","sentiment_score":0.0743768073390333,"num_words":49,"start":511.315,"end":547.41},{"sentences":[{"text":"K.","start":549.41,"end":549.73,"sentiment":"neutral","sentiment_score":-0.005451703444123268},{"text":"So all it basically means is that because you're at your preservation age and you're still working, you can access up to 10% of your super.","start":549.73,"end":557.19,"sentiment":"neutral","sentiment_score":0.17872550711035728},{"text":"And, basically, what they do is a recontribution where you can take some money out, put it back in again, save a bit on tax, and boost up your super that way.","start":557.64996,"end":567.495,"sentiment":"neutral","sentiment_score":0.2659956645220518},{"text":"So, essentially, super tax at 15%.","start":569.315,"end":571.735,"sentiment":"neutral","sentiment_score":0.2221558690071106},{"text":"You've got a pretty big income, though, and the split between your base and your gross income, a 185,000 base, 230,000 gross income.","start":571.795,"end":582.6,"sentiment":"neutral","sentiment_score":0.1906511304171189}],"sentiment":"neutral","sentiment_score":0.21444527227008206,"num_words":88,"start":549.41,"end":582.6},{"sentences":[{"text":"Is that just a bit of a bump up from, like, overtime and things like that or bonuses?","start":582.66,"end":586.76,"sentiment":"neutral","sentiment_score":0.02917837682697508},{"text":"K.","start":589.155,"end":589.655,"sentiment":"neutral","sentiment_score":0.0293355006724596},{"text":"So the cap for your concessional contributions is about $30, and you can kind of use up what you haven't used for the last five years going backwards.","start":589.955,"end":599.335,"sentiment":"neutral","sentiment_score":0.0550186067287411},{"text":"Have you ever looked at your myGov account to see what you've got lying behind you?","start":599.715,"end":604.69,"sentiment":"neutral","sentiment_score":-0.01743551390245557},{"text":"Mhmm.","start":612.82996,"end":613.32996,"sentiment":"neutral","sentiment_score":0.11318323761224748}],"sentiment":"neutral","sentiment_score":0.03014503573649563,"num_words":64,"start":582.66,"end":613.32996},{"sentences":[{"text":"Okay.","start":616.445,"end":616.945,"sentiment":"neutral","sentiment_score":0.15391165018081665},{"text":"Potentially, yes.","start":619.40497,"end":620.625,"sentiment":"neutral","sentiment_score":0.15200114250183105},{"text":"So what I'm sort of thinking, and it may be a bit of a two part strategy that we do with you, is this financial year, we're down to the last three months, and then you've got all of next financial year to consider as well.","start":622.285,"end":633.11,"sentiment":"neutral","sentiment_score":0.03906360553051143},{"text":"So when it comes to putting extra into superannuation, would you be wanting to use the bonus you get in November, or do you currently have cash available for this financial year?","start":633.17,"end":642.945,"sentiment":"neutral","sentiment_score":0.05358765774872154},{"text":"Use the bonus.","start":645.585,"end":646.485,"sentiment":"neutral","sentiment_score":0.173894594113032}],"sentiment":"neutral","sentiment_score":0.05346819785578797,"num_words":84,"start":616.445,"end":646.485},{"sentences":[{"text":"Yes.","start":650.22504,"end":650.72504,"sentiment":"neutral","sentiment_score":0.1477583646774292},{"text":"So if we look at the bonus in November, what we basically need to find out is what you've got left over for what you're gonna end up with for this financial year, what you're likely to use up next financial year when you get that bonus, and then another few years behind that, and then we can kind of tie all that together into one thing.","start":652.465,"end":671.235,"sentiment":"neutral","sentiment_score":0.112568611362532},{"text":"Yeah.","start":680.995,"end":681.475,"sentiment":"neutral","sentiment_score":-0.06174523755908013},{"text":"So you might be division two nine three.","start":681.475,"end":684.615,"sentiment":"neutral","sentiment_score":-0.03741131420247257},{"text":"Yes.","start":691.63,"end":692.13,"sentiment":"neutral","sentiment_score":0.01732923835515976}],"sentiment":"neutral","sentiment_score":0.09418139504029965,"num_words":78,"start":650.22504,"end":692.13},{"sentences":[{"text":"So if you've been getting such big bonuses that you're getting little extra tax liabilities from the government, You're probably hitting division two ninety three tax category.","start":692.19,"end":701.065,"sentiment":"neutral","sentiment_score":-0.07067760252566249},{"text":"Has your account never mentioned that to you when you last spoke to them?","start":701.205,"end":704.185,"sentiment":"neutral","sentiment_score":-0.06586304918995925},{"text":"Okay.","start":710.98,"end":711.45996,"sentiment":"neutral","sentiment_score":-0.00021174736320972445},{"text":"Perfect.","start":711.45996,"end":711.95996,"sentiment":"neutral","sentiment_score":0.10820730775594713},{"text":"Yeah.","start":718.5,"end":719.0,"sentiment":"neutral","sentiment_score":0.0012237150222063065}],"sentiment":"neutral","sentiment_score":-0.06184451548721303,"num_words":44,"start":692.19,"end":719.0},{"sentences":[{"text":"Yep.","start":730.755,"end":731.255,"sentiment":"neutral","sentiment_score":-0.020554177463054657},{"text":"Yep.","start":736.69,"end":737.19,"sentiment":"neutral","sentiment_score":0.03622546046972275},{"text":"K.","start":737.41003,"end":737.89,"sentiment":"neutral","sentiment_score":0.03970462456345558},{"text":"So you've already clicked that out for a couple of years, and your next big bonus is in November.","start":737.89,"end":744.05,"sentiment":"neutral","sentiment_score":0.1406072503642032},{"text":"Anything else coming through for the next three months?","start":744.05,"end":746.145,"sentiment":"neutral","sentiment_score":0.06373960276444753}],"sentiment":"neutral","sentiment_score":0.10647000288290362,"num_words":31,"start":730.755,"end":746.145},{"sentences":[{"text":"Okay.","start":757.10504,"end":757.60504,"sentiment":"neutral","sentiment_score":0.23419161140918732},{"text":"Perfect.","start":757.98505,"end":758.48505,"sentiment":"positive","sentiment_score":0.49570268392562866},{"text":"Perfect.","start":758.98,"end":759.3,"sentiment":"neutral","sentiment_score":0.1109844371676445},{"text":"The only reason why is I just wanna make sure that I'm careful with how much is gonna go in there for this financial year in case that triggers again, and then that kind of clicks out three of the years potentially for you.","start":759.3,"end":771.88,"sentiment":"neutral","sentiment_score":-0.044435648755593735},{"text":"Yep.","start":792.54004,"end":793.04004,"sentiment":"neutral","sentiment_score":0.031028050929307938}],"sentiment":"neutral","sentiment_score":-0.022567953371132415,"num_words":48,"start":757.10504,"end":793.04004},{"sentences":[{"text":"And that's for 2425 financial year?","start":793.26,"end":796.725,"sentiment":"neutral","sentiment_score":0.018782383917520445},{"text":"Yep.","start":800.725,"end":801.045,"sentiment":"neutral","sentiment_score":0.034571483731269836},{"text":"2324.","start":801.045,"end":802.505,"sentiment":"neutral","sentiment_score":0.020123500376939777},{"text":"Are you by any chance in your myGov account at the moment?","start":804.64496,"end":807.545,"sentiment":"neutral","sentiment_score":0.0276006069034338},{"text":"K.","start":809.62,"end":809.77997,"sentiment":"neutral","sentiment_score":-0.04524099081754685}],"sentiment":"neutral","sentiment_score":0.02158836093509481,"num_words":21,"start":793.26,"end":809.77997},{"sentences":[{"text":"When you that's okay.","start":809.77997,"end":812.5,"sentiment":"neutral","sentiment_score":0.03449145704507828},{"text":"If you do get a second to go in there, when you go into the super section, there'll be, like, a little bit of a a piggy bank saying, like, a super with a dollar sign, little piggy bank button, and it'll tell you a unused cap.","start":812.5,"end":827.915,"sentiment":"neutral","sentiment_score":0.00016798697253491045},{"text":"And they pretty much precalculate for you the last five financial years.","start":827.975,"end":832.615,"sentiment":"neutral","sentiment_score":-0.061480436474084854},{"text":"And I just wanna see if there is anything to use up because since your incomes hit that point from '23 till now, you pretty much got your last chance to use some of that up before it gets wiped out.","start":832.615,"end":846.03,"sentiment":"neutral","sentiment_score":-0.2305641523221644},{"text":"Yeah.","start":850.66504,"end":850.98505,"sentiment":"neutral","sentiment_score":0.022198062390089035}],"sentiment":"neutral","sentiment_score":-0.09545558290112587,"num_words":105,"start":809.77997,"end":850.98505},{"sentences":[{"text":"Correct.","start":850.98505,"end":851.30505,"sentiment":"neutral","sentiment_score":0.03129338100552559},{"text":"So as it's like the walls kind of coming behind you from five years forwards, let's say we go two years down the line.","start":851.30505,"end":857.30505,"sentiment":"neutral","sentiment_score":-0.12977484179039797},{"text":"Well, now you're up to those years where you're already going over 30,000 in, like, that division two nine three, and then that pretty much those years are lost.","start":857.30505,"end":866.16,"sentiment":"neutral","sentiment_score":-0.16469529046323791},{"text":"So is the way.","start":879.35504,"end":880.41504,"sentiment":"neutral","sentiment_score":-0.1562175676226616},{"text":"Yep.","start":900.90497,"end":901.385,"sentiment":"neutral","sentiment_score":-0.15041524171829224}],"sentiment":"neutral","sentiment_score":-0.14635172470520108,"num_words":59,"start":850.98505,"end":901.385},{"sentences":[{"text":"You're in that position where most tax people in the country are high wage earners, and you get lumped in the category where people call you the mega rich, the 1%, and you get caught with all the taxes.","start":901.385,"end":912.285,"sentiment":"neutral","sentiment_score":-0.1827470749998704},{"text":"Yeah.","start":919.05,"end":919.55,"sentiment":"neutral","sentiment_score":0.009671412408351898},{"text":"Yep.","start":926.185,"end":926.685,"sentiment":"neutral","sentiment_score":0.04562133178114891},{"text":"And there should be something to do with unused caps on there.","start":926.745,"end":931.645,"sentiment":"neutral","sentiment_score":-0.02555286294470231},{"text":"Yeah.","start":937.88,"end":938.38,"sentiment":"neutral","sentiment_score":-0.0658542662858963}],"sentiment":"neutral","sentiment_score":-0.13785799634125498,"num_words":54,"start":901.385,"end":938.38},{"sentences":[{"text":"They don't update it pretty frequently.","start":938.51996,"end":940.12,"sentiment":"neutral","sentiment_score":-0.14949051042397818},{"text":"So compared to your current statement, it could be nine months out.","start":940.12,"end":943.74,"sentiment":"neutral","sentiment_score":-0.07703574871023496},{"text":"I'm actually gonna bring mine up just so I can kind of show you as well.","start":949.095,"end":953.915,"sentiment":"neutral","sentiment_score":0.1052580620162189},{"text":"Just bear with me for a quick moment.","start":954.535,"end":956.235,"sentiment":"neutral","sentiment_score":0.044052754528820515},{"text":"Basically looking to try and get onto the super section of it, and there should be a button saying unused cap.","start":956.375,"end":961.755,"sentiment":"neutral","sentiment_score":0.03108748234808445}],"sentiment":"neutral","sentiment_score":0.013778033503700816,"num_words":63,"start":938.51996,"end":961.755},{"sentences":[{"text":"I'll kinda show you.","start":961.895,"end":963.115,"sentiment":"neutral","sentiment_score":0.05008558742702007},{"text":"And are you in the tax office section of myGov?","start":967.04,"end":969.54,"sentiment":"neutral","sentiment_score":0.020299815014004706},{"text":"And just on your phone or PC?","start":972.8,"end":974.82,"sentiment":"neutral","sentiment_score":0.03093027270265988},{"text":"Phone.","start":977.695,"end":978.195,"sentiment":"neutral","sentiment_score":0.030359160155057907},{"text":"K.","start":982.255,"end":982.755,"sentiment":"neutral","sentiment_score":0.034546859562397}],"sentiment":"neutral","sentiment_score":0.029772105586269627,"num_words":23,"start":961.895,"end":982.755},{"sentences":[{"text":"So you should have your super section.","start":984.255,"end":985.615,"sentiment":"neutral","sentiment_score":0.08693964992250715},{"text":"You got your reported super balance down below.","start":985.615,"end":987.53503,"sentiment":"neutral","sentiment_score":0.05585773545317352},{"text":"Just like you were saying, that's a little bit on the low side.","start":987.53503,"end":990.755,"sentiment":"neutral","sentiment_score":-0.04667039530781599},{"text":"Perfect.","start":1004.78503,"end":1005.28503,"sentiment":"neutral","sentiment_score":0.267286479473114},{"text":"So you know the little menu button at the top left of three lines?","start":1005.425,"end":1009.525,"sentiment":"neutral","sentiment_score":0.09564942600471633}],"sentiment":"neutral","sentiment_score":0.047793086921406346,"num_words":43,"start":984.255,"end":1009.525},{"sentences":[{"text":"When you go into there, it should say home, tax, super, employment, and my profile.","start":1010.78503,"end":1016.085,"sentiment":"neutral","sentiment_score":0.0690854234000047},{"text":"You wanna just hit the super button on there and then go into the information button and then carry forward concessional contributions.","start":1016.465,"end":1026.75,"sentiment":"neutral","sentiment_score":0.04878596995364536},{"text":"Yep.","start":1040.345,"end":1040.5851,"sentiment":"neutral","sentiment_score":0.08461818099021912},{"text":"Is it currently set to 2526 on your screen?","start":1040.5851,"end":1043.88,"sentiment":"neutral","sentiment_score":0.03711841027769777},{"text":"And just below that little blue box should say unused concessional contributions available to carry forward.","start":1045.48,"end":1051.18,"sentiment":"neutral","sentiment_score":-0.0466851438395679}],"sentiment":"neutral","sentiment_score":0.028274512095820336,"num_words":63,"start":1010.78503,"end":1051.18},{"sentences":[{"text":"Not eligible.","start":1060.535,"end":1061.275,"sentiment":"negative","sentiment_score":-0.3711111843585968},{"text":"Yeah.","start":1071.67,"end":1072.17,"sentiment":"neutral","sentiment_score":-0.025371868163347244},{"text":"Yep.","start":1076.0701,"end":1076.4701,"sentiment":"neutral","sentiment_score":0.06252701580524445},{"text":"So you cut out from that.","start":1076.4701,"end":1077.99,"sentiment":"neutral","sentiment_score":0.0050054676830768585},{"text":"The only one they'll let you do is nonconcessional contributions, which you're not gonna get a tax deduction for, unfortunately.","start":1077.99,"end":1084.335,"sentiment":"neutral","sentiment_score":-0.16369718201458455}],"sentiment":"neutral","sentiment_score":-0.1316326018422842,"num_words":30,"start":1060.535,"end":1084.335},{"sentences":[{"text":"Yep.","start":1087.595,"end":1087.915,"sentiment":"neutral","sentiment_score":0.007652061991393566},{"text":"Forget that one.","start":1087.915,"end":1088.975,"sentiment":"neutral","sentiment_score":-0.04173887645204862},{"text":"And when it comes to transition to retirement, you're getting close to a point where you can switch your super in to a bit of a pension account where it can earn kind of tax free.","start":1089.435,"end":1102.16,"sentiment":"neutral","sentiment_score":0.031467927102413445},{"text":"Whereas everything it currently earns in super, it gets cops about a 15% tax rate on the dividends and the capital growth.","start":1102.86,"end":1111.36,"sentiment":"neutral","sentiment_score":-0.06472787040878426},{"text":"K?","start":1111.745,"end":1112.245,"sentiment":"neutral","sentiment_score":-0.015925120562314987}],"sentiment":"neutral","sentiment_score":-0.006740594622752969,"num_words":63,"start":1087.595,"end":1112.245},{"sentences":[{"text":"At the moment with your age, if you were trying to switch into a transition pension now to pull money out of super, you wouldn't be able to get it back in again for a tax deduction.","start":1113.5851,"end":1123.025,"sentiment":"neutral","sentiment_score":-0.20416378350676717},{"text":"So that strategy is kind of a bit moot at that point.","start":1123.025,"end":1126.0851,"sentiment":"negative","sentiment_score":-0.5052549913525581},{"text":"The only thing you could do with it is recycle it through as nonconcessional, and that way you don't have to pay tax on your estate if you were to pass away.","start":1128.2,"end":1137.32,"sentiment":"neutral","sentiment_score":-0.0010687600006349378},{"text":"So whoever inheritance isn't gonna pay tax on it.","start":1137.32,"end":1140.495,"sentiment":"neutral","sentiment_score":-0.05695192184713152},{"text":"It.","start":1142.335,"end":1142.575,"sentiment":"neutral","sentiment_score":0.13431507349014282}],"sentiment":"neutral","sentiment_score":-0.15417112559489496,"num_words":91,"start":1113.5851,"end":1142.575},{"sentences":[{"text":"Let me just quickly ask you as well because you obviously, Monique's there.","start":1142.575,"end":1146.255,"sentiment":"neutral","sentiment_score":0.11408771001375638},{"text":"I'm assuming you've got it all set up so that she's the first point of receipt in your estate plan.","start":1146.255,"end":1151.715,"sentiment":"neutral","sentiment_score":0.12240275405347348},{"text":"So as far as, like, estate planning goes, like a beneficiary of who receives your super, a will for your other assets, I'm assuming you're kind of just going to your partner.","start":1155.15,"end":1163.65,"sentiment":"neutral","sentiment_score":0.02188953460427001},{"text":"Oh, you mean, like, whether it's like, the terminology as far as lapsing and binding?","start":1183.74,"end":1188.7201,"sentiment":"neutral","sentiment_score":-0.025228255583594244},{"text":"You've got it as a nonbinding, have you?","start":1189.785,"end":1192.045,"sentiment":"neutral","sentiment_score":0.024305430008098483}],"sentiment":"neutral","sentiment_score":0.05054181846472519,"num_words":88,"start":1142.575,"end":1192.045},{"sentences":[{"text":"Yeah.","start":1194.025,"end":1194.525,"sentiment":"neutral","sentiment_score":-0.08802824467420578},{"text":"All of it?","start":1197.145,"end":1198.125,"sentiment":"neutral","sentiment_score":-0.08738430341084798},{"text":"Nonbinding means the the trustee or the super fund has discretion to who it goes to.","start":1199.625,"end":1206.23,"sentiment":"neutral","sentiment_score":-0.08361916663125157},{"text":"Binding means it's legally binding.","start":1206.4501,"end":1208.23,"sentiment":"neutral","sentiment_score":-0.05375388562679291},{"text":"And how that usually comes about is if you did a nomination online, they normally set it up as non legally binding unless you actually sign a document that gets witnessed, like an actual legal beneficiary document.","start":1208.37,"end":1220.71,"sentiment":"neutral","sentiment_score":-0.06578287995747618}],"sentiment":"neutral","sentiment_score":-0.07081973883173158,"num_words":62,"start":1194.025,"end":1220.71},{"sentences":[{"text":"So it's usually a good idea to get it binding.","start":1222.665,"end":1225.145,"sentiment":"neutral","sentiment_score":0.3168350696563721},{"text":"It just have to go through that extra step of getting it signed on paper with two people witnessing it.","start":1225.145,"end":1231.005,"sentiment":"neutral","sentiment_score":0.17040309123694897},{"text":"So that's the first thing I'm gonna recommend is that we get your estate plan lined up that way.","start":1233.16,"end":1238.3,"sentiment":"positive","sentiment_score":0.41927790171221685},{"text":"How's everything looking in terms of, like, will, power of attorney, and so on?","start":1239.16,"end":1243.18,"sentiment":"neutral","sentiment_score":0.08110773829477173},{"text":"K.","start":1248.4551,"end":1248.9551,"sentiment":"neutral","sentiment_score":-0.06831313669681549}],"sentiment":"neutral","sentiment_score":0.24390449770726264,"num_words":64,"start":1222.665,"end":1248.9551},{"sentences":[{"text":"I just thought I saw that you did you have an old will that you needed to update, or you've never put one in place?","start":1249.015,"end":1254.715,"sentiment":"neutral","sentiment_score":-0.14733616203069688},{"text":"Okay.","start":1259.1901,"end":1259.51,"sentiment":"neutral","sentiment_score":-0.09940072894096376},{"text":"So we've got 25 year old will.","start":1259.51,"end":1262.17,"sentiment":"neutral","sentiment_score":-0.1786204789366041},{"text":"We've got a nonbinding beneficiary nomination.","start":1262.39,"end":1265.61,"sentiment":"neutral","sentiment_score":-0.2110784500837326},{"text":"That's a bit uncomfortable.","start":1265.67,"end":1268.5701,"sentiment":"negative","sentiment_score":-0.45272013545036316}],"sentiment":"neutral","sentiment_score":-0.18861626452484795,"num_words":43,"start":1249.015,"end":1268.5701},{"sentences":[{"text":"And do you do you remember what a power of attorney does?","start":1269.3501,"end":1272.73,"sentiment":"neutral","sentiment_score":-0.08446076450248559},{"text":"Yeah.","start":1274.255,"end":1274.655,"sentiment":"neutral","sentiment_score":0.13847991824150083},{"text":"Perfect.","start":1274.655,"end":1275.155,"sentiment":"positive","sentiment_score":0.4228436946868897},{"text":"I would always recommend you tie them together because even if you get a really fancy will, power of attorney is, like, $25 from the post office just so your partner can access bank accounts, talk to doctors without having to go to the courts.","start":1275.535,"end":1288.275,"sentiment":"neutral","sentiment_score":0.19102456238534715},{"text":"K?","start":1290.9199,"end":1291.24,"sentiment":"neutral","sentiment_score":0.022246211767196655}],"sentiment":"neutral","sentiment_score":0.1361024326334397,"num_words":60,"start":1269.3501,"end":1291.24},{"sentences":[{"text":"So we need to get all that fixed up.","start":1291.24,"end":1292.84,"sentiment":"neutral","sentiment_score":0.0045505741404162515},{"text":"Have you got a lawyer that you use?","start":1292.84,"end":1294.46,"sentiment":"neutral","sentiment_score":0.011404366232454777},{"text":"Okay.","start":1302.855,"end":1303.355,"sentiment":"neutral","sentiment_score":-0.01058906689286232},{"text":"You do have alternatives.","start":1303.4149,"end":1304.5549,"sentiment":"neutral","sentiment_score":-0.00392856914550066},{"text":"So I'll go basic to advance for a moment.","start":1304.855,"end":1307.6749,"sentiment":"neutral","sentiment_score":0.06064402891529931}],"sentiment":"neutral","sentiment_score":0.02102203270600688,"num_words":31,"start":1291.24,"end":1307.6749},{"sentences":[{"text":"If you get a basic will kit or power of attorney from the post office, they're separate.","start":1307.975,"end":1312.955,"sentiment":"neutral","sentiment_score":0.005017400993143811},{"text":"They're, like, $25 from Oz Post.","start":1313.015,"end":1315.195,"sentiment":"neutral","sentiment_score":0.005068715661764145},{"text":"Your situation, you're probably in a little bit too complex to do the cheap will kit from the post office.","start":1315.98,"end":1322.4,"sentiment":"neutral","sentiment_score":-0.1328113834373653},{"text":"You do have the option to go to the public trustee of the state.","start":1323.02,"end":1327.1,"sentiment":"neutral","sentiment_score":0.1358238852449826},{"text":"You know, when you go to the courts, they can also do wills similar to a solicitor as well.","start":1327.1,"end":1333.085,"sentiment":"neutral","sentiment_score":0.14433918109065608}],"sentiment":"neutral","sentiment_score":0.02767709574024928,"num_words":76,"start":1307.975,"end":1333.085},{"sentences":[{"text":"So it really is about how much you wanna pay there.","start":1333.085,"end":1335.325,"sentiment":"neutral","sentiment_score":0.1876631731336767},{"text":"Do you wanna just go to the courthouse, set up an appointment, and put a updated will in place, or do you wanna actually go through with a solicitor and set up things like a have you heard of a testamentary trust before?","start":1335.325,"end":1347.38,"sentiment":"neutral","sentiment_score":0.07478907336156036},{"text":"K.","start":1349.36,"end":1349.76,"sentiment":"neutral","sentiment_score":-0.021507244557142258},{"text":"So because you have adult children, one of the things that people do in your position is you put in place a will where everyone talks about trust funds at your income level.","start":1349.76,"end":1359.62,"sentiment":"neutral","sentiment_score":0.04015188929483746},{"text":"You don't have to set one up while you're alive.","start":1359.9349,"end":1362.655,"sentiment":"neutral","sentiment_score":0.06483631394803524}],"sentiment":"neutral","sentiment_score":0.07379687041500393,"num_words":98,"start":1333.085,"end":1362.655},{"sentences":[{"text":"You can have one that triggers with the will.","start":1362.655,"end":1364.755,"sentiment":"neutral","sentiment_score":0.103333231061697},{"text":"So for example, trust fund gets established a testamentary trust.","start":1365.0549,"end":1369.455,"sentiment":"neutral","sentiment_score":0.05548555161803961},{"text":"You pass away, your partner passes away, and then all of a sudden, a family trust absorbs all of your assets.","start":1369.455,"end":1375.395,"sentiment":"neutral","sentiment_score":0.015012989796343305},{"text":"It doesn't trigger capital gains, tax events, and things like that, and then you can distribute out funds to minor children under 18, adult children above 18, and just be a little bit more strategic about what happens with your assets.","start":1375.92,"end":1390.3401,"sentiment":"neutral","sentiment_score":0.055644279527591496},{"text":"So one of the big things for you isn't even necessarily trying to eke out as many dollars as you can in your super at the moment.","start":1392.6549,"end":1401.615,"sentiment":"neutral","sentiment_score":0.02308039449983173}],"sentiment":"neutral","sentiment_score":0.04356216197764432,"num_words":108,"start":1362.655,"end":1401.615},{"sentences":[{"text":"We'll we'll look at that, of course, but your estate plan needs to be kind of tightened a little bit.","start":1401.615,"end":1406.43,"sentiment":"neutral","sentiment_score":-0.07832808177918196},{"text":"Now what I'll do is when I put together a plan for you, I'm gonna include some basic information about will, power of attorney, testamentary trust, and so on.","start":1409.39,"end":1418.1901,"sentiment":"neutral","sentiment_score":0.24204029887914658},{"text":"That way when you go to speak to someone, you've just some information that you can run through with them, and that gives them a good starting point.","start":1418.1901,"end":1424.255,"sentiment":"neutral","sentiment_score":0.30279798646058353},{"text":"Is that okay?","start":1424.255,"end":1425.075,"sentiment":"neutral","sentiment_score":0.20292562743028006},{"text":"Easy done.","start":1426.1749,"end":1428.015,"sentiment":"neutral","sentiment_score":-0.03411122411489487}],"sentiment":"neutral","sentiment_score":0.176481769352061,"num_words":82,"start":1401.615,"end":1428.015},{"sentences":[{"text":"Easy done.","start":1428.015,"end":1428.835,"sentiment":"neutral","sentiment_score":0.05196592956781387},{"text":"Okay.","start":1429.9349,"end":1430.4149,"sentiment":"neutral","sentiment_score":0.03159504756331444},{"text":"So estate plan, partner, children.","start":1430.4149,"end":1433.82,"sentiment":"neutral","sentiment_score":0.038146314397454265},{"text":"Is there anything else to do with your family that I need to take into account?","start":1433.82,"end":1437.26,"sentiment":"neutral","sentiment_score":0.040133819449692965},{"text":"And I'm gonna ask you a slightly awkward question, but it is important.","start":1437.26,"end":1441.2,"sentiment":"neutral","sentiment_score":-0.030165201482864525}],"sentiment":"neutral","sentiment_score":0.01557437758389357,"num_words":37,"start":1428.015,"end":1441.2},{"sentences":[{"text":"Is there anyone outside of the family who could contest your will at this point?","start":1441.66,"end":1445.355,"sentiment":"neutral","sentiment_score":-0.053008820737401645},{"text":"K.","start":1447.195,"end":1447.695,"sentiment":"neutral","sentiment_score":-0.04232285916805267},{"text":"No ex spouses or anyone floating around, different countries or anything?","start":1447.915,"end":1452.335,"sentiment":"neutral","sentiment_score":-0.07266918840733441},{"text":"Perfect.","start":1454.315,"end":1454.815,"sentiment":"neutral","sentiment_score":0.012548185884952543},{"text":"Nothing.","start":1456.315,"end":1456.815,"sentiment":"neutral","sentiment_score":0.12432217597961426}],"sentiment":"neutral","sentiment_score":-0.05172227175328238,"num_words":29,"start":1441.66,"end":1456.815},{"sentences":[{"text":"Very straightforward.","start":1457.4349,"end":1458.335,"sentiment":"neutral","sentiment_score":0.2506338804960251},{"text":"Okay.","start":1463.7001,"end":1464.2001,"sentiment":"neutral","sentiment_score":0.1686250865459442},{"text":"Okay.","start":1473.9551,"end":1474.435,"sentiment":"neutral","sentiment_score":0.15924903750419617},{"text":"Easy.","start":1474.435,"end":1474.935,"sentiment":"neutral","sentiment_score":0.07953668385744095},{"text":"That's actually good to hear because building it all straightforward like you have where you've worked hard and built your assets up makes things a lot easier for everyone.","start":1477.3151,"end":1485.3351,"sentiment":"positive","sentiment_score":0.6222111952715906}],"sentiment":"positive","sentiment_score":0.5574353891698753,"num_words":34,"start":1457.4349,"end":1485.3351},{"sentences":[{"text":"You can obviously imagine the the types of scenarios that we get where a client passes away and four, five, six people come out of the woodworks and everyone just fights over their assets until it's zero.","start":1486.5701,"end":1497.79,"sentiment":"neutral","sentiment_score":0.10799950049132914},{"text":"Perfect.","start":1509.0651,"end":1509.545,"sentiment":"positive","sentiment_score":0.5270240306854248},{"text":"So the main thing for you then is looking after your partner and your four children, and one of your children are 18.","start":1509.545,"end":1516.81,"sentiment":"neutral","sentiment_score":0.2073378909541213},{"text":"Correct?","start":1516.81,"end":1517.31,"sentiment":"neutral","sentiment_score":0.13335199654102323},{"text":"Yep.","start":1518.73,"end":1518.97,"sentiment":"neutral","sentiment_score":0.12430223077535628}],"sentiment":"neutral","sentiment_score":0.15157827409723448,"num_words":63,"start":1486.5701,"end":1518.97},{"sentences":[{"text":"Okay.","start":1518.97,"end":1519.29,"sentiment":"neutral","sentiment_score":0.2299267053604126},{"text":"Perfect.","start":1519.29,"end":1519.6901,"sentiment":"positive","sentiment_score":0.4124816060066223},{"text":"Perfect.","start":1519.6901,"end":1520.09,"sentiment":"positive","sentiment_score":0.4295988380908966},{"text":"So that might be helpful.","start":1520.09,"end":1521.71,"sentiment":"neutral","sentiment_score":0.32221189737319944},{"text":"I'm definitely gonna look at recommending that you set up a testamentary trust will because when you've got minor and adult children, it just makes it a bit easier to look after them and also helps minimize estate tax as well.","start":1521.85,"end":1536.1449,"sentiment":"positive","sentiment_score":0.335449622898567}],"sentiment":"positive","sentiment_score":0.33543879949316685,"num_words":49,"start":1518.97,"end":1536.1449},{"sentences":[{"text":"Okay.","start":1538.0449,"end":1538.5449,"sentiment":"neutral","sentiment_score":0.16117559373378754},{"text":"So just swinging back to the super for a quick moment as well.","start":1538.605,"end":1542.5499,"sentiment":"neutral","sentiment_score":0.17312925652815744},{"text":"When it comes to what you were saying about maximizing growth, we go pretty straightforward with the investments that we pick at our view.","start":1542.5499,"end":1551.11,"sentiment":"neutral","sentiment_score":0.18195979855954647},{"text":"So portfolios that we build, they're very ETF heavy.","start":1551.11,"end":1554.89,"sentiment":"neutral","sentiment_score":0.06550516974594858},{"text":"You're familiar with ETFs and managed funds.","start":1555.165,"end":1557.425,"sentiment":"neutral","sentiment_score":0.02849520423582622}],"sentiment":"neutral","sentiment_score":0.1401463713220976,"num_words":54,"start":1538.0449,"end":1557.425},{"sentences":[{"text":"K, Paul.","start":1559.805,"end":1560.445,"sentiment":"neutral","sentiment_score":-0.0010538576170802116},{"text":"So the standard way I would explain it is that your your rest superannuation and most other super funds, they use these managed funds.","start":1560.445,"end":1568.9,"sentiment":"neutral","sentiment_score":0.0388339019070069},{"text":"You send your money to a fund manager.","start":1568.9,"end":1570.92,"sentiment":"neutral","sentiment_score":0.03929588617756963},{"text":"They'll invest it.","start":1571.06,"end":1571.9401,"sentiment":"neutral","sentiment_score":0.21495339771111807},{"text":"They charge you fees.","start":1571.9401,"end":1573.0,"sentiment":"neutral","sentiment_score":0.18831274658441544}],"sentiment":"neutral","sentiment_score":0.06444839510794093,"num_words":41,"start":1559.805,"end":1573.0},{"sentences":[{"text":"And it's usually a decent percentage of your balance to look after it.","start":1573.3,"end":1577.56,"sentiment":"neutral","sentiment_score":0.22638523005522215},{"text":"Whereas with the ETFs that we tend to lean towards, it's a little bit of a purchase to get them up front.","start":1578.58,"end":1585.995,"sentiment":"neutral","sentiment_score":0.1552617566829378},{"text":"So you spend a bit of brokerage like you would if you were buying some stocks.","start":1586.0549,"end":1589.6749,"sentiment":"neutral","sentiment_score":0.3000518549233675},{"text":"And then once you've got it, it's kind of the lowest investment fee to hold that ongoing for five, ten, fifteen, twenty years.","start":1589.735,"end":1596.715,"sentiment":"neutral","sentiment_score":0.33222216432509216},{"text":"So one of the things that you can look at is just, you know, minimize your investment fees, and they tend to have much better returns there as well.","start":1598.3099,"end":1605.61,"sentiment":"positive","sentiment_score":0.5883842418933737}],"sentiment":"positive","sentiment_score":0.3481927098145763,"num_words":103,"start":1573.3,"end":1605.61},{"sentences":[{"text":"The only, I guess, trick with it is you need a platform or a super fund that can actually access investments outside of the usual 10.","start":1605.83,"end":1614.885,"sentiment":"neutral","sentiment_score":0.1002535351480429},{"text":"I know rest has usually about thirteen, fourteen options.","start":1617.3451,"end":1621.2051,"sentiment":"neutral","sentiment_score":0.021191096554199856},{"text":"They don't really give you access to anything outside of that.","start":1621.505,"end":1624.885,"sentiment":"neutral","sentiment_score":-0.027216075326908718},{"text":"At your balance and your age, look, I'll just be completely honest with you.","start":1625.665,"end":1629.7899,"sentiment":"neutral","sentiment_score":0.13322630897164345},{"text":"You can definitely afford to get the better platforms and super funds.","start":1629.7899,"end":1633.73,"sentiment":"positive","sentiment_score":0.4251871332526207}],"sentiment":"neutral","sentiment_score":0.13146317887326908,"num_words":72,"start":1605.83,"end":1633.73},{"sentences":[{"text":"You don't have to go as far as a self managed super fund because that's can be a little bit complex, so you can go that way if you want to.","start":1634.4299,"end":1642.445,"sentiment":"neutral","sentiment_score":0.1574214461349672},{"text":"But at least get yourself, like, a wrap platform that has those 1,000 options and everything available to you even if it's only an extra couple $100 a year.","start":1642.445,"end":1652.1449,"sentiment":"neutral","sentiment_score":0.2341927184626974},{"text":"Is that something that you would consider where I can do a bit of research and just show you what's out there?","start":1654.7,"end":1659.84,"sentiment":"neutral","sentiment_score":0.11010762812061743},{"text":"Yep.","start":1670.875,"end":1671.375,"sentiment":"neutral","sentiment_score":-0.0060410574078559875},{"text":"I get you.","start":1678.33,"end":1679.13,"sentiment":"neutral","sentiment_score":0.03712273885806402}],"sentiment":"neutral","sentiment_score":0.16510870515607123,"num_words":86,"start":1634.4299,"end":1679.13},{"sentences":[{"text":"I'm with you.","start":1679.13,"end":1680.11,"sentiment":"neutral","sentiment_score":0.07107595851023991},{"text":"Okay.","start":1688.49,"end":1688.99,"sentiment":"neutral","sentiment_score":-0.035203028470277786},{"text":"Yeah.","start":1698.995,"end":1699.475,"sentiment":"neutral","sentiment_score":0.2008812725543976},{"text":"Okay.","start":1699.475,"end":1699.975,"sentiment":"neutral","sentiment_score":0.2206002771854401},{"text":"K.","start":1710.77,"end":1711.27,"sentiment":"neutral","sentiment_score":0.132354736328125}],"sentiment":"neutral","sentiment_score":0.10455159044691495,"num_words":7,"start":1679.13,"end":1711.27},{"sentences":[{"text":"Yeah.","start":1714.465,"end":1714.785,"sentiment":"positive","sentiment_score":0.34496188163757324},{"text":"Okay.","start":1714.785,"end":1715.285,"sentiment":"positive","sentiment_score":0.3932933509349823},{"text":"So let me ask you an important question then.","start":1715.345,"end":1718.225,"sentiment":"neutral","sentiment_score":0.315853218237559},{"text":"So let's say that we put together a plan and you're happy with it.","start":1718.225,"end":1721.585,"sentiment":"positive","sentiment_score":0.5332532823085785},{"text":"You say, you know what?","start":1721.585,"end":1722.225,"sentiment":"positive","sentiment_score":0.3789194762706757}],"sentiment":"positive","sentiment_score":0.4313692510128021,"num_words":30,"start":1714.465,"end":1722.225},{"sentences":[{"text":"I wanna become a client of Oakview Financial.","start":1722.225,"end":1724.385,"sentiment":"positive","sentiment_score":0.5494444519281387},{"text":"I want you guys to help me look after these things, and we can talk about super, outside super, all kinds of different areas.","start":1724.385,"end":1731.29,"sentiment":"positive","sentiment_score":0.45750569303830463},{"text":"Would you be okay with a certain amount of contact from your advisers?","start":1733.75,"end":1737.53,"sentiment":"neutral","sentiment_score":0.26503535417410046},{"text":"So we do offer quarterly, six monthly, and yearly.","start":1737.5901,"end":1740.9701,"sentiment":"neutral","sentiment_score":0.25890764428509605},{"text":"In order to look after the super and keep it low touch point for you, we do need to have the ability to get in contact with you to say, hey.","start":1741.27,"end":1749.085,"sentiment":"neutral","sentiment_score":0.2697495976763387}],"sentiment":"positive","sentiment_score":0.3472183315192952,"num_words":85,"start":1722.225,"end":1749.085},{"sentences":[{"text":"We'd like to change this and that kind of thing.","start":1749.085,"end":1751.425,"sentiment":"neutral","sentiment_score":0.05809487104415893},{"text":"Cool.","start":1754.285,"end":1754.525,"sentiment":"neutral","sentiment_score":0.16080999374389648},{"text":"Okay.","start":1754.525,"end":1754.765,"sentiment":"neutral","sentiment_score":0.0860762894153595},{"text":"So it's mainly about, here's a document with our proposed changes.","start":1754.765,"end":1758.0801,"sentiment":"neutral","sentiment_score":0.08362427692521703},{"text":"Are you comfortable with what we're proposing so you can sign off on the changes?","start":1758.14,"end":1761.92,"sentiment":"neutral","sentiment_score":0.11096283346414566}],"sentiment":"neutral","sentiment_score":0.08979327741422151,"num_words":38,"start":1749.085,"end":1761.92},{"sentences":[{"text":"Yep.","start":1767.42,"end":1767.915,"sentiment":"neutral","sentiment_score":0.16547097265720367},{"text":"Yeah.","start":1782.16,"end":1782.66,"sentiment":"neutral","sentiment_score":0.0875178873538971},{"text":"Yes.","start":1785.28,"end":1785.68,"sentiment":"neutral","sentiment_score":0.2871749997138977},{"text":"I'm with you.","start":1785.68,"end":1786.3201,"sentiment":"neutral","sentiment_score":0.2867652177810669},{"text":"So there's a couple of options.","start":1786.3201,"end":1788.0801,"sentiment":"neutral","sentiment_score":0.22159482290347418}],"sentiment":"neutral","sentiment_score":0.227502370874087,"num_words":12,"start":1767.42,"end":1788.0801},{"sentences":[{"text":"So if we were to put together a portfolio, we'll try and find you and build you the best portfolio that we can because, again, there's two thousand options out there, and we wanna put together a portfolio for you to get you a better outcome, a better return.","start":1788.0801,"end":1799.9349,"sentiment":"positive","sentiment_score":0.37223140043871744},{"text":"At least, that would require a twelve month review where we actually just talk for thirty minutes and say, hey.","start":1801.915,"end":1807.355,"sentiment":"neutral","sentiment_score":0.03017494883388281},{"text":"This is how it's going.","start":1807.355,"end":1808.575,"sentiment":"neutral","sentiment_score":0.08510162681341171},{"text":"What's going on in your life?","start":1808.635,"end":1809.6599,"sentiment":"neutral","sentiment_score":0.03322253686686357},{"text":"This is what we'd like to change, and then come back for a second call to go through that document.","start":1809.6599,"end":1814.24,"sentiment":"neutral","sentiment_score":0.03891259888187051}],"sentiment":"neutral","sentiment_score":0.2024593293108046,"num_words":100,"start":1788.0801,"end":1814.24},{"sentences":[{"text":"The only other alternative is something called an SMA structure separately managed account, and all that does is it puts a bubble around your portfolio and allows a manager and your adviser to make chops and changes through the year and then send you a change report.","start":1816.22,"end":1832.745,"sentiment":"neutral","sentiment_score":0.14214760659539954},{"text":"It's a tiny bit more expensive, but a little bit less of a touch point for you.","start":1834.42,"end":1838.84,"sentiment":"neutral","sentiment_score":0.051043401527054166},{"text":"I can go either way.","start":1838.9,"end":1840.02,"sentiment":"neutral","sentiment_score":0.17855658531188964},{"text":"I just wanna make sure that you're comfortable with it.","start":1840.02,"end":1842.36,"sentiment":"neutral","sentiment_score":0.2593356043100357},{"text":"Okay.","start":1848.995,"end":1849.395,"sentiment":"positive","sentiment_score":0.4335684478282929}],"sentiment":"neutral","sentiment_score":0.14335478441789745,"num_words":80,"start":1816.22,"end":1849.395},{"sentences":[{"text":"Perfect.","start":1849.395,"end":1849.875,"sentiment":"positive","sentiment_score":0.6983977556228638},{"text":"That will that'll save us an extra 10 basis points, which would be really good.","start":1849.875,"end":1854.375,"sentiment":"positive","sentiment_score":0.6673520525296529},{"text":"What I'd like to ask you one more thing because, obviously, I'm gonna give you a recommendation of what I think you should do, but I do need to tailor things a little bit because how it behaves is really important.","start":1855.7151,"end":1865.77,"sentiment":"neutral","sentiment_score":0.23561866327029904},{"text":"Because as you watch it every year, need to make sure it's within what you expect.","start":1865.77,"end":1869.8701,"sentiment":"neutral","sentiment_score":0.19175989273935556},{"text":"Simple, simple question is, you had to pick between lowest fees or paying extra to try and get a higher return, which way does your gut feeling pull you towards?","start":1871.6901,"end":1881.5549,"sentiment":"neutral","sentiment_score":0.20242154176036517}],"sentiment":"neutral","sentiment_score":0.2865033813037919,"num_words":103,"start":1849.395,"end":1881.5549},{"sentences":[{"text":"Yep.","start":1891.87,"end":1892.37,"sentiment":"neutral","sentiment_score":0.263838529586792},{"text":"Perfect.","start":1894.4299,"end":1894.9099,"sentiment":"positive","sentiment_score":0.5535778999328613},{"text":"So as long as it's all about the end outcome, you don't really have a strong opinion either way.","start":1894.9099,"end":1901.01,"sentiment":"neutral","sentiment_score":0.017207232549002294},{"text":"Okay.","start":1902.5751,"end":1903.0751,"sentiment":"neutral","sentiment_score":0.11477215588092804},{"text":"So what that kind of reveals is we can use a combination of passive or active funds for you and really just trying to get you the best mix one way or the other.","start":1903.135,"end":1913.07,"sentiment":"neutral","sentiment_score":0.18258116438108332}],"sentiment":"neutral","sentiment_score":0.1333372427283653,"num_words":56,"start":1891.87,"end":1913.07},{"sentences":[{"text":"I may even do something called a core and satellite where we use both.","start":1914.75,"end":1919.0099,"sentiment":"neutral","sentiment_score":0.150702441111207},{"text":"We put most of your super in a nice, safe, steady ship with the low fee investments, a couple of little satellites around it, small amounts.","start":1919.1499,"end":1927.09,"sentiment":"positive","sentiment_score":0.6230881489240206},{"text":"They kind of act like sled dogs that pull you along a little bit quicker.","start":1927.355,"end":1930.5751,"sentiment":"positive","sentiment_score":0.5999311069647472},{"text":"K?","start":1932.395,"end":1932.795,"sentiment":"neutral","sentiment_score":0.10168366879224776},{"text":"So I'll show you what that looks like.","start":1932.795,"end":1935.135,"sentiment":"neutral","sentiment_score":0.1324678109958768}],"sentiment":"positive","sentiment_score":0.444851856387686,"num_words":64,"start":1914.75,"end":1935.135},{"sentences":[{"text":"Risk level.","start":1937.275,"end":1938.095,"sentiment":"neutral","sentiment_score":-0.07950780540704727},{"text":"The world at the moment is kind of a bit on fire.","start":1938.3151,"end":1941.63,"sentiment":"neutral","sentiment_score":-0.16732435238858065},{"text":"How have you found watching your super going up and down?","start":1942.3301,"end":1945.05,"sentiment":"neutral","sentiment_score":0.010325307534499601},{"text":"And I know you went through that risk profile questionnaire, and you still came out to be about a four out of five on the risk scale.","start":1945.05,"end":1952.03,"sentiment":"neutral","sentiment_score":-0.01881405269658124},{"text":"What are your thoughts on risk?","start":1952.17,"end":1954.43,"sentiment":"neutral","sentiment_score":-0.0864369769891103}],"sentiment":"neutral","sentiment_score":-0.05310225416103314,"num_words":58,"start":1937.275,"end":1954.43},{"sentences":[{"text":"K.","start":1958.3151,"end":1958.8151,"sentiment":"neutral","sentiment_score":-0.006570432335138321},{"text":"As long as it kind of averages out over the long term.","start":1959.035,"end":1962.175,"sentiment":"neutral","sentiment_score":0.016389901128907997},{"text":"K.","start":1964.3151,"end":1964.555,"sentiment":"neutral","sentiment_score":0.1048077642917633},{"text":"I'm gonna propose something, and this is just pure professional judgment here.","start":1964.555,"end":1969.135,"sentiment":"neutral","sentiment_score":0.15722293530901274},{"text":"If you're gonna access your Super 67 or possibly earlier, you don't really have a decade ahead of you to take on too much risk.","start":1969.46,"end":1977.56,"sentiment":"neutral","sentiment_score":-0.028960558883845806}],"sentiment":"neutral","sentiment_score":0.02857994896304958,"num_words":51,"start":1958.3151,"end":1977.56},{"sentences":[{"text":"And what I'm k.","start":1980.74,"end":1986.5851,"sentiment":"neutral","sentiment_score":0.0009711813181638726},{"text":"Is there any sort of strong leanings towards the age of 67 where you go might be earlier, might be later, or you're always gonna do a little bit of work on the side?","start":1986.5851,"end":1996.525,"sentiment":"neutral","sentiment_score":0.003093365251141436},{"text":"K.","start":2018.025,"end":2018.265,"sentiment":"neutral","sentiment_score":0.015801820904016495},{"text":"So what I would then recommend is because you're in when you're at that four out of five growth risk profile, you usually need at least eight to nine years before you start retiring.","start":2018.265,"end":2028.47,"sentiment":"neutral","sentiment_score":-0.002777819905210944},{"text":"Because if the market crashes, you need time for it to rebound and get the return that you're aiming for.","start":2028.85,"end":2033.91,"sentiment":"neutral","sentiment_score":-0.03308334294706583}],"sentiment":"neutral","sentiment_score":-0.006787653451645246,"num_words":93,"start":1980.74,"end":2033.91},{"sentences":[{"text":"If you go high risk, like, you know, a few 35 year olds I recommend go high risk, you need a decade plus.","start":2035.33,"end":2041.615,"sentiment":"neutral","sentiment_score":-0.11890259125958318},{"text":"Because you're in that kind of middle ground where you're transitioning, still focusing on growth, but also want to protect it, you almost want to kind of go a bit more balanced with it, like a three out of five.","start":2043.6749,"end":2054.55,"sentiment":"neutral","sentiment_score":0.2330910239368677},{"text":"60 to 70% focusing on growth, 30 to 40% focusing on safety.","start":2054.77,"end":2060.0698,"sentiment":"neutral","sentiment_score":0.1876806579530239},{"text":"Yeah.","start":2076.145,"end":2076.385,"sentiment":"neutral","sentiment_score":-0.0018063392490148544},{"text":"So you wouldn't have to immediately pull it out for a loss if the market was going down.","start":2076.385,"end":2080.02,"sentiment":"neutral","sentiment_score":-0.16423872196012074}],"sentiment":"neutral","sentiment_score":0.06258453105754674,"num_words":94,"start":2035.33,"end":2080.02},{"sentences":[{"text":"You could have a few years where other funding sources.","start":2080.02,"end":2083.1602,"sentiment":"neutral","sentiment_score":-0.09865548685193062},{"text":"Okay.","start":2089.1401,"end":2089.54,"sentiment":"neutral","sentiment_score":0.11099150776863098},{"text":"So as a bit of a a middle ground, instead of going for that 60% for a balanced fund, why don't we go, like, 70?","start":2089.54,"end":2096.755,"sentiment":"neutral","sentiment_score":0.1020724630355835},{"text":"Somewhere in between, balance to balance growth, I'll call it.","start":2097.055,"end":2100.515,"sentiment":"neutral","sentiment_score":0.08078238777816296},{"text":"That way, you could potentially get slightly, like, even a half peg less of risk than what you're currently taking, hopefully, with a bit lower investment fees and a slightly higher return and kind of get you that gold triangle almost.","start":2102.7349,"end":2116.24,"sentiment":"neutral","sentiment_score":0.2974086302082713}],"sentiment":"neutral","sentiment_score":0.168710642890341,"num_words":87,"start":2080.02,"end":2116.24},{"sentences":[{"text":"K.","start":2118.22,"end":2118.72,"sentiment":"neutral","sentiment_score":0.0978102833032608},{"text":"Balance to balance growth.","start":2119.0999,"end":2120.64,"sentiment":"neutral","sentiment_score":0.18351775780320168},{"text":"What I'll do as well is because as advisers, we usually charge about three to 4% upfront to a capped amount of about 4,950 for the initial plan.","start":2121.0999,"end":2133.545,"sentiment":"neutral","sentiment_score":0.15339793264865875},{"text":"And then ongoing, if we're managing the super, we usually charge about 1.65% to manage it each year.","start":2134.085,"end":2140.87,"sentiment":"neutral","sentiment_score":0.10926630720496178},{"text":"So I've got to factor in the returns, the fees, both from the super fund and from us and see if I can actually leave you in a better position.","start":2141.1702,"end":2149.59,"sentiment":"neutral","sentiment_score":0.26140155593554176}],"sentiment":"neutral","sentiment_score":0.1843933782275812,"num_words":81,"start":2118.22,"end":2149.59},{"sentences":[{"text":"Because it's one thing to get you slightly lower fees and better return, but then if that gets eaten away by our fees, it's not gonna get you in a better spot in five years' time.","start":2149.6501,"end":2158.085,"sentiment":"neutral","sentiment_score":-0.10466637581379877},{"text":"So what I'm only gonna recommend is if I can get you a better outcome than that.","start":2159.425,"end":2163.345,"sentiment":"neutral","sentiment_score":0.037330410278895325},{"text":"Obviously, I can't guarantee what happens in the stock market.","start":2163.345,"end":2166.405,"sentiment":"neutral","sentiment_score":-0.16592672616243362},{"text":"But what I mean is when all is said and done, we can project out that we can get you in a better position.","start":2166.6802,"end":2172.3,"sentiment":"positive","sentiment_score":0.3729612783839305},{"text":"K?","start":2174.6,"end":2174.9202,"sentiment":"neutral","sentiment_score":0.10842578113079072}],"sentiment":"neutral","sentiment_score":0.04848700734278695,"num_words":88,"start":2149.6501,"end":2174.9202},{"sentences":[{"text":"So I'll factor that in as well.","start":2174.9202,"end":2176.62,"sentiment":"neutral","sentiment_score":0.15126931241580419},{"text":"If we can't, I'll let you know.","start":2177.4001,"end":2178.945,"sentiment":"neutral","sentiment_score":0.013356509751507215},{"text":"If we can, my job is essentially to hunt around the industry to find you what can.","start":2179.0251,"end":2183.5251,"sentiment":"neutral","sentiment_score":0.12233097982757232},{"text":"K.","start":2185.905,"end":2186.225,"sentiment":"neutral","sentiment_score":0.11638063192367554},{"text":"So at this point, we do up a little bit of a cleaning for the estate planning.","start":2186.225,"end":2190.085,"sentiment":"neutral","sentiment_score":0.2237557251663769}],"sentiment":"neutral","sentiment_score":0.14596398718351003,"num_words":49,"start":2174.9202,"end":2190.085},{"sentences":[{"text":"We adjust your risk level in the super and get you a better outcome.","start":2190.3052,"end":2193.925,"sentiment":"positive","sentiment_score":0.38573754685265677},{"text":"I don't think you need to worry too much around doing those contribution strategies because you're already hitting division two nine three.","start":2194.79,"end":2203.21,"sentiment":"neutral","sentiment_score":0.18100995773618872},{"text":"So you're almost better off focusing more on the personal side of things than just the super.","start":2203.51,"end":2209.3699,"sentiment":"neutral","sentiment_score":0.30074654519557953},{"text":"Can I ask you, do you have any major plans with accumulating more assets, or are you kind of happy with the ones that you've got?","start":2211.155,"end":2218.295,"sentiment":"neutral","sentiment_score":0.11742169897143657},{"text":"Yep.","start":2234.065,"end":2234.565,"sentiment":"neutral","sentiment_score":0.17427782714366913}],"sentiment":"neutral","sentiment_score":0.22153097493574023,"num_words":80,"start":2190.3052,"end":2234.565},{"sentences":[{"text":"More cash flow.","start":2247.28,"end":2248.42,"sentiment":"neutral","sentiment_score":0.18894754846890768},{"text":"K.","start":2250.88,"end":2251.38,"sentiment":"neutral","sentiment_score":0.019063688814640045},{"text":"And part of the goals that you mentioned to the team was even doing a bit of a slowdown at work over the next five years.","start":2251.44,"end":2257.8398,"sentiment":"neutral","sentiment_score":-0.08068696509760159},{"text":"Are you still thinking of just kind of taking the foot off the gas a bit and maybe even going part time?","start":2257.8398,"end":2263.895,"sentiment":"neutral","sentiment_score":-0.08677944998172196},{"text":"Okay.","start":2273.73,"end":2274.2102,"sentiment":"neutral","sentiment_score":0.10155356675386427}],"sentiment":"neutral","sentiment_score":-0.0626330017200056,"num_words":53,"start":2247.28,"end":2274.2102},{"sentences":[{"text":"Perfect.","start":2274.2102,"end":2274.7102,"sentiment":"neutral","sentiment_score":0.27673083543777466},{"text":"The other reason why I bring that up is if you need to draw down some of your super to supplement your income, we can do that, but I don't wanna do it too early if you don't need to.","start":2274.9302,"end":2284.1501,"sentiment":"neutral","sentiment_score":-0.02610986805520952},{"text":"K.","start":2286.555,"end":2287.055,"sentiment":"neutral","sentiment_score":-0.07057949900627136},{"text":"K.","start":2289.675,"end":2290.075,"sentiment":"neutral","sentiment_score":-0.0978529453277588},{"text":"And still focusing a split between Queensland and Victoria as far as living situation and bouncing between states?","start":2290.075,"end":2297.215,"sentiment":"neutral","sentiment_score":0.004858991182926629}],"sentiment":"neutral","sentiment_score":-0.013912040816589456,"num_words":61,"start":2274.2102,"end":2297.215},{"sentences":[{"text":"Mhmm.","start":2297.37,"end":2297.87,"sentiment":"neutral","sentiment_score":-0.0007761968299746513},{"text":"Yeah.","start":2303.3774,"end":2303.8774,"sentiment":"neutral","sentiment_score":-0.03719516843557358},{"text":"So that's kind of on hold for a little bit, would you say?","start":2312.585,"end":2315.405,"sentiment":"neutral","sentiment_score":-0.09644097849153556},{"text":"K.","start":2317.305,"end":2317.785,"sentiment":"neutral","sentiment_score":0.018496030941605568},{"text":"Something to come back to.","start":2317.785,"end":2319.165,"sentiment":"neutral","sentiment_score":0.019412481971085072}],"sentiment":"neutral","sentiment_score":-0.0560069354694514,"num_words":21,"start":2297.37,"end":2319.165},{"sentences":[{"text":"And just out of curiosity as far as investing goes, like, you've got your super, you've got your properties.","start":2320.105,"end":2325.165,"sentiment":"neutral","sentiment_score":0.04637706848351579},{"text":"Are you considering doing any personal investments to try and either grow some wealth or even build some funds up for the children, any of those considerations as well?","start":2325.57,"end":2334.47,"sentiment":"neutral","sentiment_score":0.09497508792013958},{"text":"Yep.","start":2343.425,"end":2343.925,"sentiment":"neutral","sentiment_score":0.03406095504760742},{"text":"Perfect.","start":2347.825,"end":2348.325,"sentiment":"positive","sentiment_score":0.5437008738517761},{"text":"If it ever comes to a point where you wanna kind of mimic how your super invest and do a bit personally, we can do that for you as well.","start":2348.465,"end":2355.51,"sentiment":"neutral","sentiment_score":0.3309431686997414}],"sentiment":"neutral","sentiment_score":0.1767687342595309,"num_words":80,"start":2320.105,"end":2355.51},{"sentences":[{"text":"But at this point, I'll just let you focus on the properties and the super as the main combination.","start":2355.51,"end":2360.17,"sentiment":"neutral","sentiment_score":0.1483435093572265},{"text":"Okay?","start":2362.07,"end":2362.57,"sentiment":"neutral","sentiment_score":0.051076486706733704},{"text":"Last thing I wanted to go through with you, Paul, was just the you've got attached insurances to your rest super.","start":2363.895,"end":2369.7551,"sentiment":"neutral","sentiment_score":0.03312582673416251},{"text":"You've got a little bit of life and disability cover.","start":2370.615,"end":2373.575,"sentiment":"neutral","sentiment_score":0.032712013460695744},{"text":"It's not much, but it's there.","start":2373.575,"end":2375.2751,"sentiment":"neutral","sentiment_score":-0.0023953629036744437}],"sentiment":"neutral","sentiment_score":0.06803497338765546,"num_words":57,"start":2355.51,"end":2375.2751},{"sentences":[{"text":"400 thousand of each.","start":2375.495,"end":2377.2751,"sentiment":"neutral","sentiment_score":0.012103636749088764},{"text":"Pretty much knocks out most of the debt that you have left.","start":2379.0999,"end":2381.74,"sentiment":"neutral","sentiment_score":0.10218739913155635},{"text":"It looks like you really don't have much in the way of liabilities.","start":2381.74,"end":2384.8599,"sentiment":"neutral","sentiment_score":0.0329303047977961},{"text":"You've pretty well paid most everything off.","start":2384.8599,"end":2386.7,"sentiment":"neutral","sentiment_score":0.16541089756148203},{"text":"Is that correct?","start":2386.7,"end":2387.52,"sentiment":"neutral","sentiment_score":0.11760539561510086}],"sentiment":"neutral","sentiment_score":0.0823961479159502,"num_words":39,"start":2375.495,"end":2387.52},{"sentences":[{"text":"Fantastic.","start":2390.14,"end":2390.64,"sentiment":"positive","sentiment_score":0.5917394757270813},{"text":"So this $400 pretty much covers your last liability.","start":2390.7,"end":2394.115,"sentiment":"neutral","sentiment_score":0.3159131291839812},{"text":"As you get to the point where you're debt free, you'll come to a point where you don't even need that anymore.","start":2394.575,"end":2399.875,"sentiment":"neutral","sentiment_score":0.2704644257372076},{"text":"Are you wanting to just kind of keep in place what's there, or are you wanting to get rid of it and save the premiums?","start":2400.655,"end":2406.115,"sentiment":"neutral","sentiment_score":0.07090579494833946},{"text":"What are your thoughts as far as Yeah.","start":2406.415,"end":2436.3801,"sentiment":"neutral","sentiment_score":-0.02489979797974229}],"sentiment":"neutral","sentiment_score":0.16859417683803118,"num_words":65,"start":2390.14,"end":2436.3801},{"sentences":[{"text":"Okay.","start":2441.32,"end":2441.82,"sentiment":"neutral","sentiment_score":0.05033708736300469},{"text":"So when it comes to life and disability insurance, you pass away 400,000, you can never work again 400,000, it'll pretty much disappear over the next few years when it hits its expiry age, and it probably isn't gonna cost you too much in premiums to keep it there even if just for three or four years or so.","start":2441.8801,"end":2461.69,"sentiment":"neutral","sentiment_score":-0.15809246038986466},{"text":"The one that concerns me a bit is you've got some increased income protection where you're covering yourself for 12,615 a month because you're obviously on a really good income.","start":2463.43,"end":2473.69,"sentiment":"neutral","sentiment_score":0.07550779233376186},{"text":"When I kind of work that back, let's go $12.06 15.","start":2475.7048,"end":2480.045,"sentiment":"neutral","sentiment_score":0.07388199865818024},{"text":"We'll go times 12.","start":2480.9849,"end":2483.1648,"sentiment":"neutral","sentiment_score":0.06436358764767647}],"sentiment":"neutral","sentiment_score":-0.056587885426623484,"num_words":105,"start":2441.32,"end":2483.1648},{"sentences":[{"text":"It's protecting pretty much an income of over $200,000, but that's where you're paying the most out of your $78,000 worth of premiums, and it'll go up next year as well.","start":2484.105,"end":2496.46,"sentiment":"neutral","sentiment_score":0.12530379273718403},{"text":"So when do the protection?","start":2498.52,"end":2500.38,"sentiment":"neutral","sentiment_score":-0.07916798666119576},{"text":"Well, this is the question.","start":2501.565,"end":2502.845,"sentiment":"neutral","sentiment_score":-0.04897835403680802},{"text":"Because you've hit your I'm just gonna be completely transparent with you.","start":2502.845,"end":2507.405,"sentiment":"neutral","sentiment_score":-0.01396288319180409},{"text":"You can't replace that with another policy at your age.","start":2507.405,"end":2510.285,"sentiment":"neutral","sentiment_score":-0.18432517275214194}],"sentiment":"neutral","sentiment_score":0.019569516595866945,"num_words":63,"start":2484.105,"end":2510.285},{"sentences":[{"text":"It's either keep it and pay for it or not.","start":2510.285,"end":2513.4849,"sentiment":"neutral","sentiment_score":-0.056929110735654834},{"text":"Like, there's no other insurer I can get you that would offer income protection for someone who's above the age of 60, 61.","start":2513.4849,"end":2521.2,"sentiment":"neutral","sentiment_score":-0.02096908572939751},{"text":"So this is kind of your last income protection policy.","start":2521.5,"end":2524.32,"sentiment":"neutral","sentiment_score":-0.006968313828110695},{"text":"Potentially, you've got you've got a waiting period of sixty days.","start":2529.7551,"end":2534.0952,"sentiment":"neutral","sentiment_score":-0.014564219015565786},{"text":"So if you're out of work for more than two months, it'll kick in monthly for up to five years.","start":2534.5552,"end":2539.5352,"sentiment":"neutral","sentiment_score":-0.051390156615525484}],"sentiment":"neutral","sentiment_score":-0.031206388633723395,"num_words":74,"start":2510.285,"end":2539.5352},{"sentences":[{"text":"You can extend it out to ninety days if you have the savings and assets behind you where you go, you know what?","start":2539.915,"end":2545.3198,"sentiment":"neutral","sentiment_score":0.00998646725455056},{"text":"Only in the worst case longer term scenarios.","start":2545.3198,"end":2547.74,"sentiment":"neutral","sentiment_score":-0.10925571015104651},{"text":"K?","start":2549.7998,"end":2549.88,"sentiment":"neutral","sentiment_score":0.05280550196766853},{"text":"So potentially sixty to ninety.","start":2549.88,"end":2551.98,"sentiment":"neutral","sentiment_score":0.10850237160921097},{"text":"And then when it comes to benefit period, you've got it for five years.","start":2553.3198,"end":2556.44,"sentiment":"neutral","sentiment_score":0.1829701949443136}],"sentiment":"neutral","sentiment_score":0.04926555205647852,"num_words":51,"start":2539.915,"end":2556.44},{"sentences":[{"text":"It's a pretty good middle ground.","start":2556.44,"end":2557.935,"sentiment":"positive","sentiment_score":0.4328759362300237},{"text":"The only one that's more affordable is dropping it to two years worth of benefit, which could do, but I might factor in the premiums and see if we can get a reduction quote and just see how that looks like in in five, six years' time.","start":2557.935,"end":2573.58,"sentiment":"neutral","sentiment_score":0.04778568093922544},{"text":"Because if you can afford it and still get to your goal and have all of that kind of mix of yeah.","start":2575.24,"end":2584.2349,"sentiment":"neutral","sentiment_score":0.1219213418662548},{"text":"So are you leaning towards at least keeping it for some protection, or are you thinking it's just not not necessary?","start":2584.375,"end":2591.355,"sentiment":"neutral","sentiment_score":-0.007941834805976777},{"text":"Yep.","start":2600.71,"end":2601.21,"sentiment":"neutral","sentiment_score":0.0008487490704283118}],"sentiment":"neutral","sentiment_score":0.07587136454356969,"num_words":97,"start":2556.44,"end":2601.21},{"sentences":[{"text":"I don't know if rest offers a waiting period beyond ninety days.","start":2601.43,"end":2605.27,"sentiment":"neutral","sentiment_score":-0.08262209625293811},{"text":"Some funds even do twelve months or two years or something crazy like that.","start":2605.27,"end":2609.025,"sentiment":"neutral","sentiment_score":-0.0682077067238944},{"text":"I'll check it, but at most, I'll just look at the ninety days, see if that'll help.","start":2609.265,"end":2613.365,"sentiment":"neutral","sentiment_score":-0.02586796408628716},{"text":"K.","start":2615.7449,"end":2616.2449,"sentiment":"neutral","sentiment_score":-0.008064931258559227},{"text":"Potentially, leave it at the five or two years.","start":2616.385,"end":2618.865,"sentiment":"neutral","sentiment_score":-0.028485528710815642}],"sentiment":"neutral","sentiment_score":-0.05001062506212378,"num_words":53,"start":2601.43,"end":2618.865},{"sentences":[{"text":"There's no point kind of doing anything other than that.","start":2618.865,"end":2621.67,"sentiment":"neutral","sentiment_score":-0.24491968750953674},{"text":"And like I said, I'll factor in all the taxes, premiums, and fees to see what it looks like over the projections as well.","start":2621.75,"end":2627.8499,"sentiment":"neutral","sentiment_score":0.013726817967835814},{"text":"K?","start":2629.75,"end":2630.25,"sentiment":"neutral","sentiment_score":-0.017193207517266273},{"text":"I'd I wanna ask you the last one, which is trauma insurance.","start":2631.1099,"end":2635.0498,"sentiment":"neutral","sentiment_score":-0.06117457368721565},{"text":"It's one of those ones that you have to pay out of pocket only to get some a medical lump sum if you have a heart attack, stroke, or cancer.","start":2635.475,"end":2642.695,"sentiment":"neutral","sentiment_score":-0.17252287343144418}],"sentiment":"neutral","sentiment_score":-0.1045029550464219,"num_words":77,"start":2618.865,"end":2642.695},{"sentences":[{"text":"The alternative if you don't get that fourth policy is that you're obviously relying on your family, your spouse, your savings, your assets, and the public health system.","start":2643.075,"end":2653.26,"sentiment":"neutral","sentiment_score":-0.0698557758836874},{"text":"Do you have a strong need for looking for some lump sum cover if you were to be diagnosed with cancer or have a heart attack?","start":2653.72,"end":2661.26,"sentiment":"neutral","sentiment_score":-0.06286168213074024},{"text":"Not really.","start":2663.2349,"end":2663.9749,"sentiment":"neutral","sentiment_score":-0.29028502106666565},{"text":"Cool.","start":2664.595,"end":2664.915,"sentiment":"neutral","sentiment_score":0.0519985631108284},{"text":"As long as you're okay with, I guess, transferring the risk to your personal finances and your family, that's okay.","start":2664.915,"end":2671.255,"sentiment":"neutral","sentiment_score":0.23813304603099822}],"sentiment":"neutral","sentiment_score":0.008360051707207383,"num_words":77,"start":2643.075,"end":2671.255},{"sentences":[{"text":"K.","start":2673.97,"end":2674.47,"sentiment":"neutral","sentiment_score":0.18229693174362183},{"text":"So I've thrown a heap of information at you so far, Paul, but quick recap for you is we're gonna turn down a little bit of the risk on the super, try and optimize the returns a bit, see how that looks, alter the insurances a bit just to give you a bit of affordability and longevity on it, look at the estate planning to get all of that structure in place for your wife and the children.","start":2674.61,"end":2698.055,"sentiment":"positive","sentiment_score":0.38805516159687287},{"text":"How is that sounding at the moment?","start":2700.1301,"end":2701.75,"sentiment":"neutral","sentiment_score":0.16571365296840668},{"text":"Cool.","start":2704.37,"end":2704.69,"sentiment":"neutral","sentiment_score":0.3276920020580292},{"text":"Is there any other areas or anything that you feel I've missed so far?","start":2704.69,"end":2707.9102,"sentiment":"neutral","sentiment_score":0.2243287627186094}],"sentiment":"positive","sentiment_score":0.34731574046729813,"num_words":101,"start":2673.97,"end":2707.9102},{"sentences":[{"text":"Okay.","start":2710.9448,"end":2711.4448,"sentiment":"neutral","sentiment_score":0.091867133975029},{"text":"Alright.","start":2711.825,"end":2712.305,"sentiment":"neutral","sentiment_score":0.0904722809791565},{"text":"So when it comes to those first things that we spoke about when it comes to the carry forward transition to retirement, I'm likely to hold off on that until November.","start":2712.305,"end":2723.365,"sentiment":"neutral","sentiment_score":0.04271327427798702},{"text":"With the lump sum bonus that you're getting, I would probably more be looking at a non concessional contribution and still giving you access to pull the funds out if you needed to.","start":2723.94,"end":2733.4,"sentiment":"neutral","sentiment_score":0.21213309399106287},{"text":"My last question for you, Paul, is when you get that bonus, do you know around about how much it might be and what you would wanna use it?","start":2733.54,"end":2740.7048,"sentiment":"neutral","sentiment_score":0.043957113191999235}],"sentiment":"neutral","sentiment_score":0.10296420317731406,"num_words":95,"start":2710.9448,"end":2740.7048},{"sentences":[{"text":"K.","start":2746.285,"end":2746.785,"sentiment":"neutral","sentiment_score":0.07870014011859894},{"text":"Not bad.","start":2747.7249,"end":2748.545,"sentiment":"neutral","sentiment_score":0.20666281878948212},{"text":"That'll put you in a bit of a a fun tax bracket for sure.","start":2751.18,"end":2754.56,"sentiment":"neutral","sentiment_score":0.25091212562152315},{"text":"So we've got a 100 and 20 thousand rand.","start":2757.74,"end":2759.84,"sentiment":"neutral","sentiment_score":0.12478910552130805},{"text":"What about with the the home that you're currently in at the moment?","start":2763.4949,"end":2766.775,"sentiment":"neutral","sentiment_score":0.05014204520445604}],"sentiment":"neutral","sentiment_score":0.14819856599355355,"num_words":39,"start":2746.285,"end":2766.775},{"sentences":[{"text":"Is that gonna be your your long term?","start":2766.775,"end":2769.515,"sentiment":"neutral","sentiment_score":0.09554860321804881},{"text":"Yeah.","start":2774.07,"end":2774.57,"sentiment":"neutral","sentiment_score":0.12691736221313477},{"text":"Okay.","start":2782.31,"end":2782.81,"sentiment":"neutral","sentiment_score":0.037233587354421616},{"text":"Yeah.","start":2799.0598,"end":2799.5598,"sentiment":"neutral","sentiment_score":-0.08005809783935547},{"text":"Okay.","start":2801.38,"end":2801.88,"sentiment":"neutral","sentiment_score":-0.03386727720499039}],"sentiment":"neutral","sentiment_score":0.06788453335563342,"num_words":12,"start":2766.775,"end":2801.88},{"sentences":[{"text":"That's fine.","start":2810.035,"end":2810.675,"sentiment":"neutral","sentiment_score":0.08028509840369225},{"text":"So I'll put a note on the file that as far as property moving from your PPR, that might be something that comes up in the next two to five years or so, but nothing that's immediate where you need to make a a sea change or a green change.","start":2810.675,"end":2825.0999,"sentiment":"neutral","sentiment_score":0.0197638827143237},{"text":"Is that right?","start":2825.0999,"end":2825.92,"sentiment":"neutral","sentiment_score":0.06094889591137568},{"text":"Yep.","start":2827.3398,"end":2827.74,"sentiment":"neutral","sentiment_score":0.14279299974441528},{"text":"Perfect.","start":2827.74,"end":2828.22,"sentiment":"positive","sentiment_score":0.5111738443374634}],"sentiment":"neutral","sentiment_score":0.03483469937437851,"num_words":57,"start":2810.035,"end":2828.22},{"sentences":[{"text":"Perfect.","start":2828.22,"end":2828.72,"sentiment":"positive","sentiment_score":0.5982265472412109},{"text":"Awesome, Paul.","start":2829.18,"end":2829.98,"sentiment":"positive","sentiment_score":0.6259773373603821},{"text":"I pretty much have everything that I need for the time being.","start":2829.98,"end":2832.8,"sentiment":"positive","sentiment_score":0.40651386231184006},{"text":"I don't think I need any more information or details.","start":2832.8599,"end":2836.3,"sentiment":"neutral","sentiment_score":-0.08972652703523636},{"text":"I pretty much have enough to go away and put a plan together for you.","start":2836.3,"end":2839.865,"sentiment":"neutral","sentiment_score":0.09297427237033844}],"sentiment":"neutral","sentiment_score":0.18064240962266923,"num_words":40,"start":2828.22,"end":2839.865},{"sentences":[{"text":"Do you have any questions for me?","start":2840.0051,"end":2841.705,"sentiment":"neutral","sentiment_score":0.05726085177489689},{"text":"K.","start":2848.5652,"end":2849.0652,"sentiment":"neutral","sentiment_score":-0.01750054955482483},{"text":"Last thing I'll leave you with is on our website, you will find a financial services guide and an overview services guide.","start":2849.605,"end":2857.38,"sentiment":"neutral","sentiment_score":0.02001381451687352},{"text":"So this is essentially your consumer protections document.","start":2857.5198,"end":2861.0598,"sentiment":"neutral","sentiment_score":0.03213778114877641},{"text":"Whenever you work with an adviser, you need to receive a financial services guide.","start":2861.3599,"end":2866.18,"sentiment":"neutral","sentiment_score":0.023970728274434805}],"sentiment":"neutral","sentiment_score":0.027236957255249414,"num_words":52,"start":2840.0051,"end":2866.18},{"sentences":[{"text":"That's got our licensing information in there.","start":2866.585,"end":2868.825,"sentiment":"neutral","sentiment_score":0.026850232056209018},{"text":"It's got all the complaints procedure, all of the things that you would need to know about us and your protections legally as well.","start":2868.825,"end":2876.685,"sentiment":"neutral","sentiment_score":0.03420507772049556},{"text":"So you've got Oatview, our license, which we're self licensed because we're able to essentially recommend any products that we research, and then you've got the ombudsman and the government bodies in there as well.","start":2876.745,"end":2889.36,"sentiment":"neutral","sentiment_score":0.09383341787116868},{"text":"As a quick explanation of myself, so as the senior adviser, I've been in the industry for about twelve years now.","start":2892.14,"end":2899.425,"sentiment":"neutral","sentiment_score":0.04450540661457039},{"text":"You'll find in that services guide my authorized representative number with ASIC, and, essentially, it'll tell you on the government register all of my history through the industry.","start":2899.645,"end":2910.98,"sentiment":"neutral","sentiment_score":0.06259825466466802}],"sentiment":"neutral","sentiment_score":0.060699198127764725,"num_words":115,"start":2866.585,"end":2910.98},{"sentences":[{"text":"So you can kind of follow me along in the companies I've worked at.","start":2910.98,"end":2914.44,"sentiment":"neutral","sentiment_score":0.052848469998155324},{"text":"Now I've essentially been advising for almost twelve years now from the beginning.","start":2915.94,"end":2922.3599,"sentiment":"neutral","sentiment_score":0.04616974466122114},{"text":"I've spent three years training advisers and only just recently gotten back on the tools because I kinda miss talking to people like yourself.","start":2923.355,"end":2929.615,"sentiment":"neutral","sentiment_score":0.05186907279615601},{"text":"So I will pretty much be looking after you with a team of advisers and Sevier, our director as well.","start":2930.075,"end":2936.415,"sentiment":"neutral","sentiment_score":0.18367231860756875},{"text":"And, yeah, just have a look if you've got a minute to go on the website for Oakview Financial.","start":2936.555,"end":2940.81,"sentiment":"neutral","sentiment_score":0.11765387066100773}],"sentiment":"neutral","sentiment_score":0.09437569913764794,"num_words":90,"start":2910.98,"end":2940.81},{"sentences":[{"text":"You can see a lot more about us as well between now and Friday.","start":2940.95,"end":2944.41,"sentiment":"neutral","sentiment_score":0.098542809220297},{"text":"Awesome, Paul.","start":2946.87,"end":2947.59,"sentiment":"positive","sentiment_score":0.7562939524650574},{"text":"Thank you so much for your time, sir.","start":2947.59,"end":2949.43,"sentiment":"positive","sentiment_score":0.7498013265430927},{"text":"I'll dive in and research, and talk to you Friday.","start":2949.43,"end":2953.963,"sentiment":"neutral","sentiment_score":0.2126360282301903},{"text":"See you later.","start":2955.9429,"end":2956.743,"sentiment":"positive","sentiment_score":0.3552112380663554}],"sentiment":"neutral","sentiment_score":0.32655653629351306,"num_words":37,"start":2940.95,"end":2956.743},{"sentences":[{"text":"Bye.","start":2956.743,"end":2957.243,"sentiment":"neutral","sentiment_score":0.220125675201416}],"sentiment":"neutral","sentiment_score":0.220125675201416,"num_words":1,"start":2956.743,"end":2957.243}]}}]},{"alternatives":[{"transcript":"Hey, Tommy. It's Adrian. How are you? Hey. Good, mate. Did you get the spreadsheet I shared for with you for Paul Moretti? Perfect. Yep. So a couple of notes. His big priority is one, what can I do to minimize my tax between now and retirement? I just said, given your age and everything, I'll look at what's called the transition to retirement. That'll be a really good strategy for you. We talked about risk, and he's like, look, honestly, soup if super crashes, I still got plenty of other things. I'm happy to take on a bit more risk to maximize my growth. And I said for your age, the adviser is probably not keen to increase your risk. They might be okay to look at a similar risk to what you're doing, but I'll let them discuss it with you and work out what's right for you. Yeah. The risk, no, the risk profile should be filled out there on the bottom usually. Is it on it? Yeah. There it is. Down the bottom. It's called 16. So I think he's 61 years old and running through to 67. Awesome. Alright. Well, if you're ready, I will grab him the line. Thanks, mate. You there, mate? Yeah. Yeah. Excellent. Thank you for holding. Sorry about the wait. That's alright. I've got Tommy on the line. Tommy is one of the senior advisers with OQ that's gonna work on this plan. He's just gonna go through and confirm a few details. We'll get out of your hair, get to work, and I will call you on Friday. And, hopefully, we've got a bit of good news for you. Yep. No worries. Awesome. Alright. You have a good afternoon. Thanks, mate. You too. See you. Yeah. Good, Tommy. How are you? You know, I've been good. It's sunny down here. Beautiful. Exactly. Is that where you own the Daltos? North. Okay. Yeah. Okay. So possibly, maybe, am I on the right path? Am I doing I should should be doing between now and retirement that will have a positive significant impact. Any tax things that I may not know about, which should be all of them. Something like that. So I've been I've sort of had discussions with various groups in the past, and it's all just saying either too expensive or just I couldn't see any sort of significant saving or reason to do it. So when I was contacted a while, nothing ventured, nothing gained. I just see what's on offer and what would be, you know, what the cost is and the return is and why not from there. Growing it. So it might be yeah. I'd be probably maybe say 60% growth, 40% preserve. We've got some like, we've got other things that are going on that, you know so I've got figure, well, I might as well just try and max out my super. I have a bit of risk. I don't I don't wanna lose it all, but, yeah, I might as well try and go for a bit of growth. Yeah. No. No. Because that more I've got rental rent rents coming in as well. So I can get some out of that and and super, and I've got my messages cheaper as well. So yeah. But I mean, obviously, the more I've got, the more I can spend. Yep. Yep. Yep. Yeah. Yeah. Yep. Yep. Yep. Okay. So two rents and that probably generates probably about 5,300 a month. Yep. I think 400. Yep. Yep. Well, I asked my accountant because I had this mob. I can't remember what they were. They could take we'll we'll take it out and we'll get better returns and all that and said, no. Don't even bother. So that was when I did an attack, which was, I don't know, three or four months ago. Yep. No. Yep. Partisans. Right. Okay. So does that mean because I'm gonna get a like a fairly large bonus this year, which will be November this year. Can I put a shitload of it into super? Okay. Yep. Yeah. Oh, I'd use my bonus. Because that way, I can get it put in at the normal rate, can't I? Yep. Yep. Yep. Although, I've been getting fined by the ATO for super contributions of the last couple of years. I've had to pay money. How do I do I take that on my job tonight? He just keeps forwarding me the amount so I could repay. I I have to pay, but I can just check. Oh, yeah. It's a division two nine three. So last one was your additional tax for this invoice is taxable super contribution, 1,722. Additional tax, June payable, $258. I've had to do them a couple of times. Yeah. Anything in the next three months, I'll be just getting my normal monthly contributions by work. It's about less than division. I can't understand now. This is what I've put in was my contributions. Say, for last financial year were $24,392.45. Yeah. Oh, that was 2324. No. That was just an email with the phone. Oh, you know, from five years ago, you may. Yeah. Yeah. Yeah. Yeah. Yep. Yep. Yeah. I know. Yep. You know? Oh, damn. So I just realized it. Well, I'm in my phone. Got a few people I forgot to ring back. I remember what it was. Why am I I am I got it. All I know is they put up fucking stealing money off me. Yeah. It's funny. I'm not I'm hoping mega rich. That's for sure. What am I looking at? Few view my my income or super check super. Oh, it's gone down a bit. Balance as at oh, that was the $30.36. Oh, yeah. That's only '25. So what am I looking for here? Yeah. Yeah. Yep. Fine. Although, yeah, that's although that's thirtieth of the sixth, so that's that's, you know, eight months ago. Yes. Yep. Yep. Yep. Information. Yep. Okay. Okay. So so then I did pick up financial year. Yep. Yep. And it's not full. Because the little red circle is not eligible. Not eligible to carry forward unused concessional contributions kept because the total superannuation balance is 500 k or more at the June. Right. In other words, forget that. Yep. Mhmm. Yep. Yep. In my what? Oh, yeah. Yep. She she is yeah. She is. But it's well, there's two types. I'm just trying to think it's the it's two types of benefits. I can't remember what what one of these, but it's probably the wrong one. Finding and not finding that bit. Yep. Yeah. Yep. I don't know why I've got back because I don't know what the difference is. I can't remember what the difference is. Yeah. Yeah. Yeah. Yeah. Yeah. Oh, I haven't done any of that. I've got an old one yet. I haven't updated it for twenty five years. Yeah. Yep. Okay. Yep. Yep. Yep. Yeah. Yeah. Yeah. Okay. No. I haven't used it for ages. So if we did have one, we don't anymore. So Yes. Yes. No. Yes. Okay. Yeah. Yeah. Yeah. Yep. Yeah. No problem. No. No. No. Nothing so exotic. So yeah. I got two brothers, and we've all got our own stuff. And there's no no fights or anything. So yeah. So no. That's it. That's all of us. So no no exes, no skeletons, no anything. Yeah. Yeah. Yeah. Yeah. So there's nothing nothing like that. So which is probably fortunate. Yeah. Yep. Yep. Okay. Yep. No. Mhmm. Yep. Yep. Yeah. Yep. Okay. Yeah. Absolutely. I'm just thinking it has to be pretty because I'm pretty lazy when it comes to stuff like this. So I get almost, like, self managed. I wouldn't I'm I just couldn't be bothered. And, yeah, if it didn't have too much complexity around it, I'll look at it. I'm not saying I'll go for it because I'm pretty conservative, like, I'm I'm on my second job in the last forty five years, so I don't I don't like change clearly. And yeah. So even if some people say I'd make more sense or maybe it does, but it doesn't mean you have to do it. So but it has to be compelling, I guess. Yep. Yeah. Yeah. Oh, yeah. Yeah. That yeah. No. No. For as long as I don't have to do anything. Yeah. Yeah. I mean yeah. But you can ring me a 100 times a day. That's fine. As long as I don't have to actually do anything in, like because I'm I was just saying, don't why have a dog and bark himself? As in, why have a consultant and you do all the work? Like, that's what, you know, the Superfund's for to do that stuff. Yep. Yep. Yeah. Yeah. Yep. Yeah. Yeah. Yep. Yep. I'd probably do the the constant communication. I'm okay with that. Yeah. Yep. Yep. Yep. I guess it's relative. It's I'd go whatever the best outcome is. If that's pay more to get more, I'll probably do that. Yeah. Yeah. Yeah. Yeah. Yep. Yep. Yes. Yeah. On on my side with risk. Yeah. Yep. Okay. Yep. Well, what what I've done? Yeah, that's probably yeah. Okay. That's fine. It's a call. Well, look, it's as of right now, I'm thinking 67, but it could be earlier because I might get bored and say, no. We're gonna go traveling or whatever. Yeah. That's a possibility. I could even go in two years. I'm not sure. I doubt it, but you never know. Yep. Yeah. You're probably right. So probably just mix it up a bit like because, again, I'm not I I can I can live without super if I wanted to? I just no. No. No. That's not Yeah. Correct. I've got rent from property, so I can always live on that. Okay. Yep. Yeah. Yeah. Yeah. Yep. Yep. Yeah. Yeah. Yeah. Yep. Okay. Yep. Yeah. Yeah. Okay. Yep. Okay. Yep. Good question. I've got one of the properties. I've got I was gonna develop and put two units on it. So I was gonna sell some of my cars and use that to build two units. So that would be I could could sell them or just could lease rent two out, which would give me a lot more, which yeah. Yep. Yeah. But financially, the problem still remains the same. That's not what I'll take my foot off and then go get $40 a year or still be similar to what it is. Yeah. To have it. Yep. Yep. Yep. Yes. I don't plan on doing that. No. Yeah. That well, the the Queensland wants to apply in the sky because at the moment, all the coins are buying up there and causing the prices to go through the roof. So I don't wanna be one of them. Yeah. Yeah. Probably. Yep. Yep. I've got some more shares and that's all. And I'd I'd I'd stick with that because I'm only because I work here. But now I don't plan on doing anything else like that, I think. Yeah. Yes. Yep. Yep. Yep. Mhmm. Yep. Correct. Oh, beans. I'd love to I'd love to get rid of them and save the premiums, but but I'll like, if you said it's a good idea to get rid of them, then I'd probably consider it. But I I don't really know because I just thought, oh, well, if something happens, it's $400 that'll pay off. I think one the the only mortgage we've got is about 400 and something. Maybe $4.80 or $4.50 or something like that. Then that's it. So after that, it there's no debt on anything. Yep. Yep. Yep. Yep. Yep. Yep. So what do you suggest? Get rid of that. Yep. Should I drop it down, the wage? Would that save the premium? Yep. Yeah. I can do that easy. Yeah. Yeah. Yep. Yep. Yep. Okay. Yeah. I think I could not work for a year and still be okay. So yeah. I'll I'll I'll probably keep it, but maybe downgrade it and blow the blow the waiting time out and just do whatever we can to make it cheaper. Yep. Yep. Yes. Not really. Yep. Yeah. Yep. None. Yep. Yep. It will be a 120 k. That's what I'm thinking about. For the for the future. Although, we just had my eldest daughter just bought her own house, so she's moving out in a month. So it's a pretty big house now, and two of the kids have gone. So we don't know. We could downsize, but well, again, I'm too lazy. It's it's all too hard. So it's not it's we only built the house ten years ago. So it's not even old. So so I'm thinking I'll stay there because, again, I'm just too lazy to go to move. Yeah. Yeah. Yep. Yeah. Yeah. Yeah. Yep. Nothing that comes to mind. No. Yep. Yeah. Yep. Yep. Okay. No worries. Yep. Okay. Yep. Okay. Yep. Okay. Yep. Yep. Hello. Yep. Uh-huh. Yep. No worries. Thanks, Tommy. No worries. Thank you. Okay. No worries. Okay. Thanks, Tommy. See you. 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Tommy. It's Adrian. How are you? Hey. Good, mate.\n\nDid you get the spreadsheet I shared for with you for Paul Moretti? Perfect. Yep. So a couple of notes. His big priority is one, what can I do to minimize my tax between now and retirement?\n\nI just said, given your age and everything, I'll look at what's called the transition to retirement. That'll be a really good strategy for you. We talked about risk, and he's like, look, honestly, soup if super crashes, I still got plenty of other things. I'm happy to take on a bit more risk to maximize my growth. And I said for your age, the adviser is probably not keen to increase your risk.\n\nThey might be okay to look at a similar risk to what you're doing, but I'll let them discuss it with you and work out what's right for you. Yeah. The risk, no, the risk profile should be filled out there on the bottom usually. Is it on it? Yeah.\n\nThere it is. Down the bottom. It's called 16. So I think he's 61 years old and running through to 67. Awesome.\n\nAlright. Well, if you're ready, I will grab him the line. Thanks, mate. You there, mate? Yeah.\n\nYeah. Excellent. Thank you for holding. Sorry about the wait. That's alright.\n\nI've got Tommy on the line. Tommy is one of the senior advisers with OQ that's gonna work on this plan. He's just gonna go through and confirm a few details. We'll get out of your hair, get to work, and I will call you on Friday. And, hopefully, we've got a bit of good news for you.\n\nYep. No worries. Awesome. Alright. You have a good afternoon.\n\nThanks, mate. You too. See you. Yeah. Good, Tommy.\n\nHow are you? You know, I've been good. It's sunny down here. Beautiful. Exactly.\n\nIs that where you own the Daltos? North. Okay. Yeah. Okay.\n\nSo possibly, maybe, am I on the right path? Am I doing I should should be doing between now and retirement that will have a positive significant impact. Any tax things that I may not know about, which should be all of them. Something like that. So I've been I've sort of had discussions with various groups in the past, and it's all just saying either too expensive or just I couldn't see any sort of significant saving or reason to do it.\n\nSo when I was contacted a while, nothing ventured, nothing gained. I just see what's on offer and what would be, you know, what the cost is and the return is and why not from there. Growing it. So it might be yeah. I'd be probably maybe say 60% growth, 40% preserve.\n\nWe've got some like, we've got other things that are going on that, you know so I've got figure, well, I might as well just try and max out my super. I have a bit of risk. I don't I don't wanna lose it all, but, yeah, I might as well try and go for a bit of growth. Yeah. No.\n\nNo. Because that more I've got rental rent rents coming in as well. So I can get some out of that and and super, and I've got my messages cheaper as well. So yeah. But I mean, obviously, the more I've got, the more I can spend.\n\nYep. Yep. Yep. Yeah. Yeah.\n\nYep. Yep. Yep. Okay. So two rents and that probably generates probably about 5,300 a month.\n\nYep. I think 400. Yep. Yep. Well, I asked my accountant because I had this mob.\n\nI can't remember what they were. They could take we'll we'll take it out and we'll get better returns and all that and said, no. Don't even bother. So that was when I did an attack, which was, I don't know, three or four months ago. Yep.\n\nNo. Yep. Partisans. Right. Okay.\n\nSo does that mean because I'm gonna get a like a fairly large bonus this year, which will be November this year. Can I put a shitload of it into super? Okay. Yep. Yeah.\n\nOh, I'd use my bonus. Because that way, I can get it put in at the normal rate, can't I? Yep. Yep. Yep.\n\nAlthough, I've been getting fined by the ATO for super contributions of the last couple of years. I've had to pay money. How do I do I take that on my job tonight? He just keeps forwarding me the amount so I could repay. I I have to pay, but I can just check.\n\nOh, yeah. It's a division two nine three. So last one was your additional tax for this invoice is taxable super contribution, 1,722. Additional tax, June payable, $258. I've had to do them a couple of times.\n\nYeah. Anything in the next three months, I'll be just getting my normal monthly contributions by work. It's about less than division. I can't understand now. This is what I've put in was my contributions.\n\nSay, for last financial year were $24,392.45. Yeah. Oh, that was 2324. No. That was just an email with the phone.\n\nOh, you know, from five years ago, you may. Yeah. Yeah. Yeah. Yeah.\n\nYep. Yep. Yeah. I know. Yep.\n\nYou know? Oh, damn. So I just realized it. Well, I'm in my phone. Got a few people I forgot to ring back.\n\nI remember what it was. Why am I I am I got it. All I know is they put up fucking stealing money off me. Yeah. It's funny.\n\nI'm not I'm hoping mega rich. That's for sure. What am I looking at? Few view my my income or super check super. Oh, it's gone down a bit.\n\nBalance as at oh, that was the $30.36. Oh, yeah. That's only '25. So what am I looking for here? Yeah.\n\nYeah. Yep. Fine. Although, yeah, that's although that's thirtieth of the sixth, so that's that's, you know, eight months ago. Yes.\n\nYep. Yep. Yep. Information. Yep.\n\nOkay. Okay. So so then I did pick up financial year. Yep. Yep.\n\nAnd it's not full. Because the little red circle is not eligible. Not eligible to carry forward unused concessional contributions kept because the total superannuation balance is 500 k or more at the June. Right. In other words, forget that.\n\nYep. Mhmm. Yep. Yep. In my what?\n\nOh, yeah. Yep. She she is yeah. She is. But it's well, there's two types.\n\nI'm just trying to think it's the it's two types of benefits. I can't remember what what one of these, but it's probably the wrong one. Finding and not finding that bit. Yep. Yeah.\n\nYep. I don't know why I've got back because I don't know what the difference is. I can't remember what the difference is. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Oh, I haven't done any of that. I've got an old one yet.\n\nI haven't updated it for twenty five years. Yeah. Yep. Okay. Yep.\n\nYep. Yep. Yeah. Yeah. Yeah.\n\nOkay. No. I haven't used it for ages. So if we did have one, we don't anymore. So Yes.\n\nYes. No. Yes. Okay. Yeah.\n\nYeah. Yeah. Yep. Yeah. No problem.\n\nNo. No. No. Nothing so exotic. So yeah.\n\nI got two brothers, and we've all got our own stuff. And there's no no fights or anything. So yeah. So no. That's it.\n\nThat's all of us. So no no exes, no skeletons, no anything. Yeah. Yeah. Yeah.\n\nYeah. So there's nothing nothing like that. So which is probably fortunate. Yeah. Yep.\n\nYep. Okay. Yep. No. Mhmm.\n\nYep. Yep. Yeah. Yep. Okay.\n\nYeah. Absolutely. I'm just thinking it has to be pretty because I'm pretty lazy when it comes to stuff like this. So I get almost, like, self managed. I wouldn't I'm I just couldn't be bothered.\n\nAnd, yeah, if it didn't have too much complexity around it, I'll look at it. I'm not saying I'll go for it because I'm pretty conservative, like, I'm I'm on my second job in the last forty five years, so I don't I don't like change clearly. And yeah. So even if some people say I'd make more sense or maybe it does, but it doesn't mean you have to do it. So but it has to be compelling, I guess.\n\nYep. Yeah. Yeah. Oh, yeah. Yeah.\n\nThat yeah. No. No. For as long as I don't have to do anything. Yeah.\n\nYeah. I mean yeah. But you can ring me a 100 times a day. That's fine. As long as I don't have to actually do anything in, like because I'm I was just saying, don't why have a dog and bark himself?\n\nAs in, why have a consultant and you do all the work? Like, that's what, you know, the Superfund's for to do that stuff. Yep. Yep. Yeah.\n\nYeah. Yep. Yeah. Yeah. Yep.\n\nYep. I'd probably do the the constant communication. I'm okay with that. Yeah. Yep.\n\nYep. Yep. I guess it's relative. It's I'd go whatever the best outcome is. If that's pay more to get more, I'll probably do that.\n\nYeah. Yeah. Yeah. Yeah. Yep.\n\nYep. Yes. Yeah. On on my side with risk. Yeah.\n\nYep. Okay. Yep. Well, what what I've done? Yeah, that's probably yeah.\n\nOkay. That's fine. It's a call. Well, look, it's as of right now, I'm thinking 67, but it could be earlier because I might get bored and say, no. We're gonna go traveling or whatever.\n\nYeah. That's a possibility. I could even go in two years. I'm not sure. I doubt it, but you never know.\n\nYep. Yeah. You're probably right. So probably just mix it up a bit like because, again, I'm not I I can I can live without super if I wanted to? I just no.\n\nNo. No. That's not Yeah. Correct. I've got rent from property, so I can always live on that.\n\nOkay. Yep. Yeah. Yeah. Yeah.\n\nYep. Yep. Yeah. Yeah. Yeah.\n\nYep. Okay. Yep. Yeah. Yeah.\n\nOkay. Yep. Okay. Yep. Good question.\n\nI've got one of the properties. I've got I was gonna develop and put two units on it. So I was gonna sell some of my cars and use that to build two units. So that would be I could could sell them or just could lease rent two out, which would give me a lot more, which yeah. Yep.\n\nYeah. But financially, the problem still remains the same. That's not what I'll take my foot off and then go get $40 a year or still be similar to what it is. Yeah. To have it.\n\nYep. Yep. Yep. Yes. I don't plan on doing that.\n\nNo. Yeah. That well, the the Queensland wants to apply in the sky because at the moment, all the coins are buying up there and causing the prices to go through the roof. So I don't wanna be one of them. Yeah.\n\nYeah. Probably. Yep. Yep. I've got some more shares and that's all.\n\nAnd I'd I'd I'd stick with that because I'm only because I work here. But now I don't plan on doing anything else like that, I think. Yeah. Yes. Yep.\n\nYep. Yep. Mhmm. Yep. Correct.\n\nOh, beans. I'd love to I'd love to get rid of them and save the premiums, but but I'll like, if you said it's a good idea to get rid of them, then I'd probably consider it. But I I don't really know because I just thought, oh, well, if something happens, it's $400 that'll pay off. I think one the the only mortgage we've got is about 400 and something. Maybe $4.80 or $4.50 or something like that.\n\nThen that's it. So after that, it there's no debt on anything. Yep. Yep. Yep.\n\nYep. Yep. Yep. So what do you suggest? Get rid of that.\n\nYep. Should I drop it down, the wage? Would that save the premium? Yep. Yeah.\n\nI can do that easy. Yeah. Yeah. Yep. Yep.\n\nYep. Okay. Yeah. I think I could not work for a year and still be okay. So yeah.\n\nI'll I'll I'll probably keep it, but maybe downgrade it and blow the blow the waiting time out and just do whatever we can to make it cheaper. Yep. Yep. Yes. Not really.\n\nYep. Yeah. Yep. None. Yep.\n\nYep. It will be a 120 k. That's what I'm thinking about. For the for the future. Although, we just had my eldest daughter just bought her own house, so she's moving out in a month.\n\nSo it's a pretty big house now, and two of the kids have gone. So we don't know. We could downsize, but well, again, I'm too lazy. It's it's all too hard. So it's not it's we only built the house ten years ago.\n\nSo it's not even old. So so I'm thinking I'll stay there because, again, I'm just too lazy to go to move. Yeah. Yeah. Yep.\n\nYeah. Yeah. Yeah. Yep. Nothing that comes to mind.\n\nNo. Yep. Yeah. Yep. Yep.\n\nOkay. No worries. Yep. Okay. Yep.\n\nOkay. Yep. Okay. Yep. Yep.\n\nHello. Yep. Uh-huh. Yep. No worries.\n\nThanks, Tommy. No worries. Thank you. Okay. No worries.\n\nOkay. Thanks, Tommy. See you. Bye.","paragraphs":[{"sentences":[{"text":"Hey, Tommy.","start":3.6799998,"end":4.24,"sentiment":"neutral","sentiment_score":0.13912993669509888},{"text":"It's Adrian.","start":4.24,"end":5.2,"sentiment":"neutral","sentiment_score":0.1644136607646942},{"text":"How are you?","start":5.2,"end":6.02,"sentiment":"neutral","sentiment_score":0.203683540225029},{"text":"Hey.","start":8.16,"end":8.48,"sentiment":"neutral","sentiment_score":0.1604471504688263},{"text":"Good, mate.","start":8.48,"end":9.22,"sentiment":"neutral","sentiment_score":0.31227603554725647}],"sentiment":"neutral","sentiment_score":0.20031370371580123,"num_words":10,"start":3.6799998,"end":9.22},{"sentences":[{"text":"Did you get the spreadsheet I shared for with you for Paul Moretti?","start":9.28,"end":13.62,"sentiment":"neutral","sentiment_score":0.10871484703742541},{"text":"Perfect.","start":21.295,"end":21.795,"sentiment":"positive","sentiment_score":0.5860379338264465},{"text":"Yep.","start":26.015,"end":26.515,"sentiment":"neutral","sentiment_score":0.29645583033561707},{"text":"So a couple of notes.","start":27.055,"end":28.29,"sentiment":"neutral","sentiment_score":0.13236022889614105},{"text":"His big priority is one, what can I do to minimize my tax between now and retirement?","start":28.53,"end":32.79,"sentiment":"neutral","sentiment_score":0.10319050489103093}],"sentiment":"neutral","sentiment_score":0.127346662250725,"num_words":37,"start":9.28,"end":32.79},{"sentences":[{"text":"I just said, given your age and everything, I'll look at what's called the transition to retirement.","start":33.010002,"end":38.15,"sentiment":"neutral","sentiment_score":0.04941847131532781},{"text":"That'll be a really good strategy for you.","start":39.49,"end":41.91,"sentiment":"neutral","sentiment_score":0.28588767163455486},{"text":"We talked about risk, and he's like, look, honestly, soup if super crashes, I still got plenty of other things.","start":41.97,"end":50.355,"sentiment":"neutral","sentiment_score":0.03767465092241764},{"text":"I'm happy to take on a bit more risk to maximize my growth.","start":50.355,"end":53.635,"sentiment":"neutral","sentiment_score":0.16727775163375413},{"text":"And I said for your age, the adviser is probably not keen to increase your risk.","start":53.635,"end":57.655,"sentiment":"neutral","sentiment_score":-0.02453260449692607}],"sentiment":"neutral","sentiment_score":0.07652429058342367,"num_words":74,"start":33.010002,"end":57.655},{"sentences":[{"text":"They might be okay to look at a similar risk to what you're doing, but I'll let them discuss it with you and work out what's right for you.","start":57.74,"end":64.16,"sentiment":"neutral","sentiment_score":0.06567245195138044},{"text":"Yeah.","start":69.74,"end":69.979996,"sentiment":"neutral","sentiment_score":0.012293219566345217},{"text":"The risk, no, the risk profile should be filled out there on the bottom usually.","start":69.979996,"end":74.585,"sentiment":"neutral","sentiment_score":0.029614474376042685},{"text":"Is it on it?","start":75.845,"end":76.965004,"sentiment":"neutral","sentiment_score":0.0295667527243495},{"text":"Yeah.","start":76.965004,"end":77.205,"sentiment":"neutral","sentiment_score":0.0978841707110405}],"sentiment":"neutral","sentiment_score":0.05154325246810913,"num_words":50,"start":57.74,"end":77.205},{"sentences":[{"text":"There it is.","start":77.205,"end":77.685,"sentiment":"neutral","sentiment_score":0.1475362330675125},{"text":"Down the bottom.","start":77.685,"end":78.245,"sentiment":"neutral","sentiment_score":0.0739512989918391},{"text":"It's called 16.","start":78.245,"end":79.225,"sentiment":"neutral","sentiment_score":0.0612882636487484},{"text":"So I think he's 61 years old and running through to 67.","start":86.63,"end":93.77,"sentiment":"neutral","sentiment_score":0.16293802919487158},{"text":"Awesome.","start":94.229996,"end":94.729996,"sentiment":"neutral","sentiment_score":0.2674351632595062}],"sentiment":"neutral","sentiment_score":0.13959176821464842,"num_words":22,"start":77.205,"end":94.729996},{"sentences":[{"text":"Alright.","start":95.909996,"end":96.229996,"sentiment":"neutral","sentiment_score":0.1863347738981247},{"text":"Well, if you're ready, I will grab him the line.","start":96.229996,"end":98.57,"sentiment":"neutral","sentiment_score":0.15978988260030746},{"text":"Thanks, mate.","start":100.415,"end":101.315,"sentiment":"positive","sentiment_score":0.35599657893180847},{"text":"You there, mate?","start":105.695,"end":106.675,"sentiment":"neutral","sentiment_score":0.1175093725323677},{"text":"Yeah.","start":106.975,"end":107.475,"sentiment":"neutral","sentiment_score":0.1040775030851364}],"sentiment":"neutral","sentiment_score":0.17369602226159153,"num_words":17,"start":95.909996,"end":107.475},{"sentences":[{"text":"Yeah.","start":108.015,"end":108.335,"sentiment":"neutral","sentiment_score":0.1767757385969162},{"text":"Excellent.","start":108.335,"end":108.815,"sentiment":"positive","sentiment_score":0.3979783952236175},{"text":"Thank you for holding.","start":108.815,"end":109.775,"sentiment":"positive","sentiment_score":0.4325758144259453},{"text":"Sorry about the wait.","start":109.775,"end":110.915,"sentiment":"neutral","sentiment_score":-0.09882097318768501},{"text":"That's alright.","start":111.135,"end":111.615005,"sentiment":"neutral","sentiment_score":0.01223406195640564}],"sentiment":"neutral","sentiment_score":0.16118680189053217,"num_words":12,"start":108.015,"end":111.615005},{"sentences":[{"text":"I've got Tommy on the line.","start":111.615005,"end":113.155,"sentiment":"neutral","sentiment_score":0.09367995088299115},{"text":"Tommy is one of the senior advisers with OQ that's gonna work on this plan.","start":113.215004,"end":117.02,"sentiment":"neutral","sentiment_score":0.11834863871335984},{"text":"He's just gonna go through and confirm a few details.","start":117.159996,"end":119.56,"sentiment":"neutral","sentiment_score":0.13168034628033637},{"text":"We'll get out of your hair, get to work, and I will call you on Friday.","start":119.56,"end":122.92,"sentiment":"neutral","sentiment_score":0.18789571523666382},{"text":"And, hopefully, we've got a bit of good news for you.","start":122.92,"end":125.159996,"sentiment":"positive","sentiment_score":0.38238315148787066}],"sentiment":"neutral","sentiment_score":0.18735618722336045,"num_words":58,"start":111.615005,"end":125.159996},{"sentences":[{"text":"Yep.","start":125.159996,"end":125.479996,"sentiment":"neutral","sentiment_score":0.17737925052642822},{"text":"No worries.","start":125.479996,"end":126.14,"sentiment":"neutral","sentiment_score":0.2547583281993866},{"text":"Awesome.","start":126.44,"end":126.84,"sentiment":"positive","sentiment_score":0.5459123253822327},{"text":"Alright.","start":126.84,"end":127.08,"sentiment":"positive","sentiment_score":0.5478231310844421},{"text":"You have a good afternoon.","start":127.08,"end":128.04,"sentiment":"positive","sentiment_score":0.665159285068512}],"sentiment":"positive","sentiment_score":0.5106427788734436,"num_words":10,"start":125.159996,"end":128.04},{"sentences":[{"text":"Thanks, mate.","start":128.04,"end":128.4,"sentiment":"positive","sentiment_score":0.6551496982574463},{"text":"You too.","start":128.4,"end":129.02,"sentiment":"positive","sentiment_score":0.38719844818115234},{"text":"See you.","start":129.8,"end":130.45999,"sentiment":"positive","sentiment_score":0.36008040606975555},{"text":"Yeah.","start":133.775,"end":134.015,"sentiment":"neutral","sentiment_score":0.16394689679145813},{"text":"Good, Tommy.","start":134.015,"end":134.575,"sentiment":"neutral","sentiment_score":0.29141657054424286}],"sentiment":"positive","sentiment_score":0.39462634921073914,"num_words":9,"start":128.04,"end":134.575},{"sentences":[{"text":"How are you?","start":134.575,"end":135.39499,"sentiment":"neutral","sentiment_score":0.23027104636033377},{"text":"You know, I've been good.","start":142.095,"end":143.135,"sentiment":"neutral","sentiment_score":0.3133470267057419},{"text":"It's sunny down here.","start":143.135,"end":144.515,"sentiment":"positive","sentiment_score":0.4128560870885849},{"text":"Beautiful.","start":144.815,"end":145.315,"sentiment":"positive","sentiment_score":0.5739127397537231},{"text":"Exactly.","start":153.32,"end":153.82,"sentiment":"neutral","sentiment_score":0.07428036630153656}],"sentiment":"neutral","sentiment_score":0.3255118376442364,"num_words":14,"start":134.575,"end":153.82},{"sentences":[{"text":"Is that where you own the Daltos?","start":154.36,"end":155.82,"sentiment":"neutral","sentiment_score":0.04422316114817347},{"text":"North.","start":162.25499,"end":162.75499,"sentiment":"neutral","sentiment_score":0.049923475831747055},{"text":"Okay.","start":179.98001,"end":180.48001,"sentiment":"neutral","sentiment_score":0.11416654288768768},{"text":"Yeah.","start":193.965,"end":194.465,"sentiment":"neutral","sentiment_score":0.06835232675075531},{"text":"Okay.","start":204.045,"end":204.545,"sentiment":"neutral","sentiment_score":0.06524765491485596}],"sentiment":"neutral","sentiment_score":0.05520473894747821,"num_words":11,"start":154.36,"end":204.545},{"sentences":[{"text":"So possibly, maybe, am I on the right path?","start":204.685,"end":213.54001,"sentiment":"neutral","sentiment_score":0.06996455250514878},{"text":"Am I doing I should should be doing between now and retirement that will have a positive significant impact.","start":213.54001,"end":222.345,"sentiment":"neutral","sentiment_score":0.18278462028032855},{"text":"Any tax things that I may not know about, which should be all of them.","start":224.005,"end":228.505,"sentiment":"neutral","sentiment_score":-0.0942942256728808},{"text":"Something like that.","start":230.16501,"end":230.96501,"sentiment":"neutral","sentiment_score":-0.11174566547075908},{"text":"So I've been I've sort of had discussions with various groups in the past, and it's all just saying either too expensive or just I couldn't see any sort of significant saving or reason to do it.","start":230.96501,"end":249.73,"sentiment":"neutral","sentiment_score":-0.22566657936250842}],"sentiment":"neutral","sentiment_score":-0.07224969951862312,"num_words":83,"start":204.685,"end":249.73},{"sentences":[{"text":"So when I was contacted a while, nothing ventured, nothing gained.","start":251.065,"end":255.38501,"sentiment":"neutral","sentiment_score":-0.06784422475505959},{"text":"I just see what's on offer and what would be, you know, what the cost is and the return is and why not from there.","start":255.38501,"end":262.14,"sentiment":"neutral","sentiment_score":-0.02822126157581806},{"text":"Growing it.","start":284.495,"end":287.935,"sentiment":"neutral","sentiment_score":0.027429694309830666},{"text":"So it might be yeah.","start":287.935,"end":289.695,"sentiment":"neutral","sentiment_score":0.05789152681827545},{"text":"I'd be probably maybe say 60% growth, 40% preserve.","start":289.695,"end":297.36,"sentiment":"neutral","sentiment_score":0.09003629204299715}],"sentiment":"neutral","sentiment_score":-0.005714891550059502,"num_words":52,"start":251.065,"end":297.36},{"sentences":[{"text":"We've got some like, we've got other things that are going on that, you know so I've got figure, well, I might as well just try and max out my super.","start":297.82,"end":310.27502,"sentiment":"neutral","sentiment_score":0.005458084040231282},{"text":"I have a bit of risk.","start":312.015,"end":312.975,"sentiment":"neutral","sentiment_score":-0.16211620718240738},{"text":"I don't I don't wanna lose it all, but, yeah, I might as well try and go for a bit of growth.","start":312.975,"end":319.71503,"sentiment":"neutral","sentiment_score":-0.06679610010575164},{"text":"Yeah.","start":330.12,"end":330.62,"sentiment":"neutral","sentiment_score":0.1698939949274063},{"text":"No.","start":344.545,"end":344.785,"sentiment":"neutral","sentiment_score":-0.11983010917901991}],"sentiment":"neutral","sentiment_score":-0.036441753351236464,"num_words":61,"start":297.82,"end":344.785},{"sentences":[{"text":"No.","start":344.785,"end":345.025,"sentiment":"neutral","sentiment_score":-0.13186129927635193},{"text":"Because that more I've got rental rent rents coming in as well.","start":345.025,"end":349.685,"sentiment":"neutral","sentiment_score":-0.08215291084100802},{"text":"So I can get some out of that and and super, and I've got my messages cheaper as well.","start":351.85,"end":359.55002,"sentiment":"neutral","sentiment_score":0.3288448884298927},{"text":"So yeah.","start":359.85,"end":362.57,"sentiment":"neutral","sentiment_score":0.12425202876329422},{"text":"But I mean, obviously, the more I've got, the more I can spend.","start":362.57,"end":365.31,"sentiment":"neutral","sentiment_score":0.09737640791214429}],"sentiment":"neutral","sentiment_score":0.14137774491880803,"num_words":47,"start":344.785,"end":365.31},{"sentences":[{"text":"Yep.","start":378.47998,"end":378.97998,"sentiment":"neutral","sentiment_score":0.30935728549957275},{"text":"Yep.","start":394.295,"end":394.615,"sentiment":"neutral","sentiment_score":0.28627899289131165},{"text":"Yep.","start":394.615,"end":395.115,"sentiment":"neutral","sentiment_score":0.27756908535957336},{"text":"Yeah.","start":405.59,"end":406.09,"sentiment":"neutral","sentiment_score":0.26207250356674194},{"text":"Yeah.","start":415.50998,"end":416.00998,"sentiment":"positive","sentiment_score":0.34625008702278137}],"sentiment":"neutral","sentiment_score":0.29630559086799624,"num_words":5,"start":378.47998,"end":416.00998},{"sentences":[{"text":"Yep.","start":423.475,"end":423.975,"sentiment":"neutral","sentiment_score":0.27287715673446655},{"text":"Yep.","start":424.435,"end":424.935,"sentiment":"neutral","sentiment_score":0.27476608753204346},{"text":"Yep.","start":437.16998,"end":437.66998,"sentiment":"neutral","sentiment_score":0.1501920521259308},{"text":"Okay.","start":455.275,"end":455.775,"sentiment":"neutral","sentiment_score":0.03782055526971817},{"text":"So two rents and that probably generates probably about 5,300 a month.","start":455.91498,"end":465.38998,"sentiment":"neutral","sentiment_score":0.05124418002863725}],"sentiment":"neutral","sentiment_score":0.08441162575036287,"num_words":16,"start":423.475,"end":465.38998},{"sentences":[{"text":"Yep.","start":467.61,"end":468.11,"sentiment":"neutral","sentiment_score":0.07987105846405029},{"text":"I think 400.","start":478.575,"end":479.875,"sentiment":"neutral","sentiment_score":0.020213094850381214},{"text":"Yep.","start":494.35,"end":494.85,"sentiment":"neutral","sentiment_score":0.08291076123714447},{"text":"Yep.","start":503.435,"end":503.935,"sentiment":"neutral","sentiment_score":0.1869826018810272},{"text":"Well, I asked my accountant because I had this mob.","start":521.19,"end":524.79,"sentiment":"neutral","sentiment_score":-0.10809430256485938}],"sentiment":"neutral","sentiment_score":-0.04190870746970177,"num_words":16,"start":467.61,"end":524.79},{"sentences":[{"text":"I can't remember what they were.","start":524.79,"end":526.41,"sentiment":"neutral","sentiment_score":-0.19114889949560165},{"text":"They could take we'll we'll take it out and we'll get better returns and all that and said, no.","start":526.70996,"end":531.58997,"sentiment":"neutral","sentiment_score":-0.15469182792462802},{"text":"Don't even bother.","start":531.58997,"end":532.57,"sentiment":"neutral","sentiment_score":-0.29882435003916424},{"text":"So that was when I did an attack, which was, I don't know, three or four months ago.","start":535.835,"end":541.695,"sentiment":"neutral","sentiment_score":-0.14460714368356598},{"text":"Yep.","start":543.515,"end":544.015,"sentiment":"neutral","sentiment_score":0.06741748750209808}],"sentiment":"neutral","sentiment_score":-0.1599579207757686,"num_words":47,"start":524.79,"end":544.015},{"sentences":[{"text":"No.","start":548.35004,"end":548.85004,"sentiment":"neutral","sentiment_score":-0.04206100106239319},{"text":"Yep.","start":568.455,"end":568.955,"sentiment":"neutral","sentiment_score":0.19817277789115903},{"text":"Partisans.","start":587.72003,"end":588.22003,"sentiment":"neutral","sentiment_score":-0.02164873480796814},{"text":"Right.","start":606.38,"end":606.77997,"sentiment":"neutral","sentiment_score":0.10909183323383333},{"text":"Okay.","start":606.77997,"end":607.18,"sentiment":"neutral","sentiment_score":0.145840585231781}],"sentiment":"neutral","sentiment_score":0.07787909209728242,"num_words":5,"start":548.35004,"end":607.18},{"sentences":[{"text":"So does that mean because I'm gonna get a like a fairly large bonus this year, which will be November this year.","start":607.18,"end":615.92,"sentiment":"neutral","sentiment_score":0.20986653898249974},{"text":"Can I put a shitload of it into super?","start":616.38,"end":618.8,"sentiment":"neutral","sentiment_score":0.09889195279942618},{"text":"Okay.","start":621.345,"end":621.665,"sentiment":"neutral","sentiment_score":0.0985371321439743},{"text":"Yep.","start":621.665,"end":622.165,"sentiment":"neutral","sentiment_score":-0.05623181536793709},{"text":"Yeah.","start":642.71,"end":643.21,"sentiment":"neutral","sentiment_score":0.11133038252592088}],"sentiment":"neutral","sentiment_score":0.16649197447387612,"num_words":34,"start":607.18,"end":643.21},{"sentences":[{"text":"Oh, I'd use my bonus.","start":643.35004,"end":644.81,"sentiment":"neutral","sentiment_score":0.19339638948440552},{"text":"Because that way, I can get it put in at the normal rate, can't I?","start":645.11005,"end":649.83496,"sentiment":"neutral","sentiment_score":0.15076061636209487},{"text":"Yep.","start":651.495,"end":651.995,"sentiment":"neutral","sentiment_score":0.17797856032848358},{"text":"Yep.","start":656.135,"end":656.635,"sentiment":"neutral","sentiment_score":0.14600130915641785},{"text":"Yep.","start":662.31,"end":662.81,"sentiment":"neutral","sentiment_score":0.11272525787353516}],"sentiment":"neutral","sentiment_score":0.15935201392225598,"num_words":23,"start":643.35004,"end":662.81},{"sentences":[{"text":"Although, I've been getting fined by the ATO for super contributions of the last couple of years.","start":672.07,"end":680.21497,"sentiment":"negative","sentiment_score":-0.3368539249195772},{"text":"I've had to pay money.","start":681.315,"end":684.295,"sentiment":"neutral","sentiment_score":-0.05091973096132278},{"text":"How do I do I take that on my job tonight?","start":687.95496,"end":690.615,"sentiment":"neutral","sentiment_score":-0.00483653728257526},{"text":"He just keeps forwarding me the amount so I could repay.","start":705.885,"end":709.825,"sentiment":"neutral","sentiment_score":-0.1101048622619022},{"text":"I I have to pay, but I can just check.","start":710.60504,"end":712.945,"sentiment":"neutral","sentiment_score":0.01570986732840538}],"sentiment":"neutral","sentiment_score":-0.13126615000267824,"num_words":54,"start":672.07,"end":712.945},{"sentences":[{"text":"Oh, yeah.","start":715.48505,"end":715.885,"sentiment":"neutral","sentiment_score":0.00021738000214099884},{"text":"It's a division two nine three.","start":715.885,"end":717.66504,"sentiment":"neutral","sentiment_score":-0.011925507026414076},{"text":"So last one was your additional tax for this invoice is taxable super contribution, 1,722.","start":718.60004,"end":730.46,"sentiment":"neutral","sentiment_score":-0.01252290631333987},{"text":"Additional tax, June payable, $258.","start":730.60004,"end":734.505,"sentiment":"neutral","sentiment_score":-0.022516955435276032},{"text":"I've had to do them a couple of times.","start":734.505,"end":736.365,"sentiment":"neutral","sentiment_score":-0.09303313121199608}],"sentiment":"neutral","sentiment_score":-0.03267148202536879,"num_words":37,"start":715.48505,"end":736.365},{"sentences":[{"text":"Yeah.","start":750.11,"end":750.51,"sentiment":"neutral","sentiment_score":0.07974663376808167},{"text":"Anything in the next three months, I'll be just getting my normal monthly contributions by work.","start":750.51,"end":757.41,"sentiment":"neutral","sentiment_score":0.08689627633430064},{"text":"It's about less than division.","start":775.44,"end":777.94,"sentiment":"neutral","sentiment_score":-0.15740385353565217},{"text":"I can't understand now.","start":779.68,"end":780.96,"sentiment":"negative","sentiment_score":-0.3595244213938713},{"text":"This is what I've put in was my contributions.","start":780.96,"end":785.14,"sentiment":"neutral","sentiment_score":-0.06595019913382}],"sentiment":"neutral","sentiment_score":-0.038530905438320974,"num_words":35,"start":750.11,"end":785.14},{"sentences":[{"text":"Say, for last financial year were $24,392.45.","start":786.53503,"end":791.995,"sentiment":"neutral","sentiment_score":0.0035908450372517113},{"text":"Yeah.","start":794.135,"end":794.635,"sentiment":"neutral","sentiment_score":0.02213151380419731},{"text":"Oh, that was 2324.","start":798.455,"end":800.395,"sentiment":"neutral","sentiment_score":0.0140752037987113},{"text":"No.","start":808.22003,"end":808.72003,"sentiment":"neutral","sentiment_score":-0.11307263374328612},{"text":"That was just an email with the phone.","start":809.26,"end":811.28,"sentiment":"neutral","sentiment_score":-0.020220637787133455}],"sentiment":"neutral","sentiment_score":-0.008155690084788062,"num_words":21,"start":786.53503,"end":811.28},{"sentences":[{"text":"Oh, you know, from five years ago, you may.","start":846.555,"end":850.335,"sentiment":"neutral","sentiment_score":-0.09068290475342008},{"text":"Yeah.","start":855.835,"end":856.335,"sentiment":"neutral","sentiment_score":-0.06198696047067642},{"text":"Yeah.","start":861.2,"end":861.44,"sentiment":"neutral","sentiment_score":-0.07561077177524567},{"text":"Yeah.","start":861.44,"end":861.76,"sentiment":"neutral","sentiment_score":-0.10627180337905884},{"text":"Yeah.","start":861.76,"end":862.26,"sentiment":"neutral","sentiment_score":-0.09210386872291564}],"sentiment":"neutral","sentiment_score":-0.0886245805483598,"num_words":13,"start":846.555,"end":862.26},{"sentences":[{"text":"Yep.","start":863.6,"end":864.1,"sentiment":"neutral","sentiment_score":-0.1765379011631012},{"text":"Yep.","start":866.8,"end":867.12,"sentiment":"neutral","sentiment_score":-0.05755455046892166},{"text":"Yeah.","start":867.12,"end":867.4,"sentiment":"neutral","sentiment_score":-0.06764805316925049},{"text":"I 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back.","start":876.485,"end":878.58496,"sentiment":"neutral","sentiment_score":-0.21479355295499167}],"sentiment":"neutral","sentiment_score":-0.17744632227265317,"num_words":23,"start":870.32,"end":878.58496},{"sentences":[{"text":"I remember what it was.","start":886.72,"end":887.86,"sentiment":"neutral","sentiment_score":-0.20301542580127716},{"text":"Why am I I am I got it.","start":888.64,"end":893.7,"sentiment":"negative","sentiment_score":-0.511769250035286},{"text":"All I know is they put up fucking stealing money off me.","start":894.88,"end":898.9,"sentiment":"negative","sentiment_score":-0.7145608961582184},{"text":"Yeah.","start":914.36005,"end":914.60004,"sentiment":"neutral","sentiment_score":-0.051755234599113464},{"text":"It's funny.","start":914.60004,"end":915.34,"sentiment":"neutral","sentiment_score":-0.06384445168077946}],"sentiment":"negative","sentiment_score":-0.4951216436124274,"num_words":28,"start":886.72,"end":915.34},{"sentences":[{"text":"I'm not I'm hoping mega rich.","start":915.48004,"end":917.56,"sentiment":"neutral","sentiment_score":-0.2609643340110779},{"text":"That's for sure.","start":917.56,"end":918.62006,"sentiment":"neutral","sentiment_score":-0.05650638788938522},{"text":"What am I looking at?","start":920.36005,"end":921.64,"sentiment":"neutral","sentiment_score":0.0024648454040288926},{"text":"Few view my my income or super check super.","start":921.64,"end":925.26,"sentiment":"neutral","sentiment_score":-0.0011628539197974736},{"text":"Oh, it's gone down a bit.","start":931.395,"end":932.855,"sentiment":"neutral","sentiment_score":-0.12185308337211609}],"sentiment":"neutral","sentiment_score":-0.08498500435259836,"num_words":29,"start":915.48004,"end":932.855},{"sentences":[{"text":"Balance as at oh, that was the $30.36.","start":934.115,"end":937.255,"sentiment":"neutral","sentiment_score":-0.08056370122358203},{"text":"Oh, yeah.","start":942.46,"end":942.78,"sentiment":"neutral","sentiment_score":-0.0522286593914032},{"text":"That's only '25.","start":942.78,"end":945.2,"sentiment":"neutral","sentiment_score":-0.056060923573871456},{"text":"So what am I looking for here?","start":946.3,"end":948.4,"sentiment":"neutral","sentiment_score":0.008290597370692663},{"text":"Yeah.","start":969.51,"end":970.01,"sentiment":"neutral","sentiment_score":0.02980045974254608}],"sentiment":"neutral","sentiment_score":-0.03949119323598487,"num_words":21,"start":934.115,"end":970.01},{"sentences":[{"text":"Yeah.","start":970.31,"end":970.71,"sentiment":"neutral","sentiment_score":0.04440873861312866},{"text":"Yep.","start":970.71,"end":971.21,"sentiment":"neutral","sentiment_score":0.04852861911058426},{"text":"Fine.","start":975.91,"end":976.41,"sentiment":"neutral","sentiment_score":0.06329319626092911},{"text":"Although, yeah, that's although that's thirtieth of the sixth, so that's that's, you know, eight months ago.","start":992.205,"end":1003.51996,"sentiment":"neutral","sentiment_score":-0.022467296543147636},{"text":"Yes.","start":1009.695,"end":1010.09503,"sentiment":"neutral","sentiment_score":0.09626419842243196}],"sentiment":"neutral","sentiment_score":-0.006164251848877896,"num_words":21,"start":970.31,"end":1010.09503},{"sentences":[{"text":"Yep.","start":1010.09503,"end":1010.59503,"sentiment":"neutral","sentiment_score":0.0849137008190155},{"text":"Yep.","start":1015.055,"end":1015.555,"sentiment":"neutral","sentiment_score":0.09497161954641342},{"text":"Yep.","start":1016.815,"end":1017.315,"sentiment":"neutral","sentiment_score":0.06251022219657898},{"text":"Information.","start":1019.49,"end":1019.99,"sentiment":"neutral","sentiment_score":0.0530935600399971},{"text":"Yep.","start":1023.25,"end":1023.75,"sentiment":"neutral","sentiment_score":0.05295345187187195}],"sentiment":"neutral","sentiment_score":0.06968851089477539,"num_words":5,"start":1010.09503,"end":1023.75},{"sentences":[{"text":"Okay.","start":1029.89,"end":1030.39,"sentiment":"neutral","sentiment_score":0.05814832821488381},{"text":"Okay.","start":1035.4851,"end":1035.885,"sentiment":"neutral","sentiment_score":0.05529361218214035},{"text":"So so then I did pick up financial year.","start":1035.885,"end":1040.0651,"sentiment":"neutral","sentiment_score":0.08045831032925183},{"text":"Yep.","start":1044.285,"end":1044.785,"sentiment":"neutral","sentiment_score":0.01680789701640606},{"text":"Yep.","start":1049.2001,"end":1049.52,"sentiment":"neutral","sentiment_score":-0.017666298896074295}],"sentiment":"neutral","sentiment_score":0.06436217934466325,"num_words":13,"start":1029.89,"end":1049.52},{"sentences":[{"text":"And it's not full.","start":1049.52,"end":1051.2201,"sentiment":"neutral","sentiment_score":-0.11615229677408934},{"text":"Because the little red circle is not eligible.","start":1054.4,"end":1059.14,"sentiment":"neutral","sentiment_score":-0.30670059844851494},{"text":"Not eligible to carry forward unused concessional contributions kept because the total superannuation balance is 500 k or more at the 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anything.","start":1472.115,"end":1476.615,"sentiment":"neutral","sentiment_score":0.08701443253085017},{"text":"Yeah.","start":1498.905,"end":1499.145,"sentiment":"neutral","sentiment_score":0.08563721179962158},{"text":"Yeah.","start":1499.145,"end":1499.385,"sentiment":"neutral","sentiment_score":0.09436145424842834},{"text":"Yeah.","start":1499.385,"end":1499.705,"sentiment":"neutral","sentiment_score":0.10701478272676468}],"sentiment":"neutral","sentiment_score":0.10901146357258161,"num_words":15,"start":1470.995,"end":1499.705},{"sentences":[{"text":"Yeah.","start":1499.705,"end":1499.865,"sentiment":"neutral","sentiment_score":0.1279171109199524},{"text":"So there's nothing nothing like that.","start":1499.865,"end":1502.505,"sentiment":"neutral","sentiment_score":0.08805905779202779},{"text":"So which is probably 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think.","start":2343.8198,"end":2347.2798,"sentiment":"neutral","sentiment_score":-0.05300783423277048},{"text":"Yeah.","start":2360.205,"end":2360.525,"sentiment":"neutral","sentiment_score":0.10338936746120451},{"text":"Yes.","start":2360.525,"end":2360.925,"sentiment":"neutral","sentiment_score":0.09769149124622344},{"text":"Yep.","start":2360.925,"end":2361.425,"sentiment":"neutral","sentiment_score":0.07607673853635788}],"sentiment":"neutral","sentiment_score":0.011052789663275083,"num_words":30,"start":2338.2998,"end":2361.425},{"sentences":[{"text":"Yep.","start":2361.4849,"end":2361.9849,"sentiment":"neutral","sentiment_score":0.07011933624744415},{"text":"Yep.","start":2370.96,"end":2371.46,"sentiment":"neutral","sentiment_score":0.032088447362184525},{"text":"Mhmm.","start":2376.0,"end":2376.5,"sentiment":"neutral","sentiment_score":0.008409328758716583},{"text":"Yep.","start":2377.92,"end":2378.42,"sentiment":"neutral","sentiment_score":0.0905829817056656},{"text":"Correct.","start":2388.445,"end":2388.945,"sentiment":"neutral","sentiment_score":0.30646392703056335}],"sentiment":"neutral","sentiment_score":0.10153280422091485,"num_words":5,"start":2361.4849,"end":2388.945},{"sentences":[{"text":"Oh, beans.","start":2406.8198,"end":2407.48,"sentiment":"neutral","sentiment_score":-0.005798897705972195},{"text":"I'd love to I'd love to get rid of them and save the premiums, but but I'll like, if you said it's a good idea to get rid of them, then I'd probably consider it.","start":2407.78,"end":2418.425,"sentiment":"neutral","sentiment_score":-0.04627389194709914},{"text":"But I I don't really know because I just thought, oh, well, if something happens, it's $400 that'll pay off.","start":2418.425,"end":2424.125,"sentiment":"neutral","sentiment_score":-0.13838655222207308},{"text":"I think one the the only mortgage we've got is about 400 and something.","start":2424.3801,"end":2430.72,"sentiment":"neutral","sentiment_score":-0.07111684924789838},{"text":"Maybe $4.80 or $4.50 or something like that.","start":2432.46,"end":2435.44,"sentiment":"neutral","sentiment_score":-0.03186171501874924}],"sentiment":"neutral","sentiment_score":-0.07151195781800566,"num_words":79,"start":2406.8198,"end":2435.44},{"sentences":[{"text":"Then that's it.","start":2436.22,"end":2437.1,"sentiment":"neutral","sentiment_score":0.11844359834988911},{"text":"So after that, it there's no debt on anything.","start":2437.1,"end":2439.84,"sentiment":"neutral","sentiment_score":0.07565777252117793},{"text":"Yep.","start":2449.635,"end":2450.135,"sentiment":"neutral","sentiment_score":-0.11271098256111144},{"text":"Yep.","start":2459.99,"end":2460.49,"sentiment":"neutral","sentiment_score":-0.0956445336341858},{"text":"Yep.","start":2462.3098,"end":2462.8098,"sentiment":"neutral","sentiment_score":0.11827918142080308}],"sentiment":"neutral","sentiment_score":0.06307829419771831,"num_words":15,"start":2436.22,"end":2462.8098},{"sentences":[{"text":"Yep.","start":2475.015,"end":2475.515,"sentiment":"neutral","sentiment_score":0.09518827497959136},{"text":"Yep.","start":2494.92,"end":2495.42,"sentiment":"neutral","sentiment_score":0.07632523775100708},{"text":"Yep.","start":2497.335,"end":2497.835,"sentiment":"neutral","sentiment_score":0.03547064960002899},{"text":"So what do you suggest?","start":2498.855,"end":2499.895,"sentiment":"neutral","sentiment_score":-0.06318067237734795},{"text":"Get rid of that.","start":2499.895,"end":2500.875,"sentiment":"neutral","sentiment_score":-0.1764974556863308}],"sentiment":"neutral","sentiment_score":-0.06790908519178629,"num_words":12,"start":2475.015,"end":2500.875},{"sentences":[{"text":"Yep.","start":2521.97,"end":2522.47,"sentiment":"neutral","sentiment_score":0.053036581724882126},{"text":"Should I drop it down, the wage?","start":2525.805,"end":2527.665,"sentiment":"neutral","sentiment_score":-0.03657398585762296},{"text":"Would that save the premium?","start":2529.885,"end":2531.185,"sentiment":"neutral","sentiment_score":0.05370419882237911},{"text":"Yep.","start":2535.085,"end":2535.585,"sentiment":"neutral","sentiment_score":-0.008171042427420616},{"text":"Yeah.","start":2546.03,"end":2546.19,"sentiment":"neutral","sentiment_score":-0.12709099054336548}],"sentiment":"neutral","sentiment_score":-0.0046481572091579436,"num_words":15,"start":2521.97,"end":2546.19},{"sentences":[{"text":"I can do that easy.","start":2546.19,"end":2547.39,"sentiment":"neutral","sentiment_score":-0.12959535121917726},{"text":"Yeah.","start":2547.39,"end":2547.79,"sentiment":"neutral","sentiment_score":0.05977726727724075},{"text":"Yeah.","start":2547.79,"end":2548.29,"sentiment":"neutral","sentiment_score":0.07140291482210159},{"text":"Yep.","start":2549.15,"end":2549.65,"sentiment":"neutral","sentiment_score":0.07200819998979568},{"text":"Yep.","start":2562.0452,"end":2562.5452,"sentiment":"neutral","sentiment_score":0.05750759690999985}],"sentiment":"neutral","sentiment_score":-0.043031197455194264,"num_words":9,"start":2546.19,"end":2562.5452},{"sentences":[{"text":"Yep.","start":2562.7651,"end":2563.2651,"sentiment":"neutral","sentiment_score":0.07560498267412186},{"text":"Okay.","start":2574.2,"end":2574.7,"sentiment":"neutral","sentiment_score":0.08545757085084915},{"text":"Yeah.","start":2578.12,"end":2578.44,"sentiment":"neutral","sentiment_score":-0.04277437925338745},{"text":"I think I could not work for a year and still be okay.","start":2578.44,"end":2582.625,"sentiment":"neutral","sentiment_score":-0.20852538255544809},{"text":"So yeah.","start":2582.625,"end":2589.365,"sentiment":"neutral","sentiment_score":-0.0023424550890922546}],"sentiment":"neutral","sentiment_score":-0.14429037272930145,"num_words":18,"start":2562.7651,"end":2589.365},{"sentences":[{"text":"I'll I'll I'll probably keep it, but maybe downgrade it and blow the blow the waiting time out and just do whatever we can to make it cheaper.","start":2590.225,"end":2600.19,"sentiment":"neutral","sentiment_score":-0.06659396897469248},{"text":"Yep.","start":2608.41,"end":2608.91,"sentiment":"neutral","sentiment_score":-0.07366853952407837},{"text":"Yep.","start":2614.0051,"end":2614.5051,"sentiment":"neutral","sentiment_score":0.009025895968079569},{"text":"Yes.","start":2628.4,"end":2628.9,"sentiment":"neutral","sentiment_score":0.006023213267326355},{"text":"Not really.","start":2661.91,"end":2662.65,"sentiment":"neutral","sentiment_score":-0.31510910391807556}],"sentiment":"neutral","sentiment_score":-0.077377841497461,"num_words":33,"start":2590.225,"end":2662.65},{"sentences":[{"text":"Yep.","start":2672.0251,"end":2672.5251,"sentiment":"neutral","sentiment_score":0.25006574392318726},{"text":"Yeah.","start":2702.245,"end":2702.5652,"sentiment":"neutral","sentiment_score":0.16113710403442383},{"text":"Yep.","start":2702.5652,"end":2703.0652,"sentiment":"neutral","sentiment_score":0.21227042376995087},{"text":"None.","start":2713.47,"end":2713.97,"sentiment":"neutral","sentiment_score":0.025836486369371418},{"text":"Yep.","start":2734.045,"end":2734.545,"sentiment":"neutral","sentiment_score":0.042862486094236374}],"sentiment":"neutral","sentiment_score":0.13843444883823394,"num_words":5,"start":2672.0251,"end":2734.545},{"sentences":[{"text":"Yep.","start":2739.92,"end":2740.42,"sentiment":"neutral","sentiment_score":0.0497082881629467},{"text":"It will be a 120 k.","start":2741.92,"end":2745.06,"sentiment":"neutral","sentiment_score":0.041206867434084415},{"text":"That's what I'm thinking about.","start":2758.315,"end":2759.855,"sentiment":"neutral","sentiment_score":0.09293693378567695},{"text":"For the for the future.","start":2771.65,"end":2772.95,"sentiment":"neutral","sentiment_score":0.1163806825876236},{"text":"Although, we just had my eldest daughter just bought her own house, so she's moving out in a month.","start":2774.37,"end":2781.035,"sentiment":"neutral","sentiment_score":0.10886110051682121}],"sentiment":"neutral","sentiment_score":0.09477495790148775,"num_words":36,"start":2739.92,"end":2781.035},{"sentences":[{"text":"So it's a pretty big house now, and two of the kids have gone.","start":2781.655,"end":2786.055,"sentiment":"neutral","sentiment_score":-0.08776164533836502},{"text":"So we don't know.","start":2786.055,"end":2787.815,"sentiment":"neutral","sentiment_score":-0.13407673500478268},{"text":"We could downsize, but well, again, I'm too lazy.","start":2787.815,"end":2791.255,"sentiment":"negative","sentiment_score":-0.3376837323109309},{"text":"It's it's all too hard.","start":2791.255,"end":2793.015,"sentiment":"negative","sentiment_score":-0.43074116110801697},{"text":"So it's not it's we only built the house ten years ago.","start":2793.015,"end":2798.25,"sentiment":"neutral","sentiment_score":-0.14115056954324245}],"sentiment":"neutral","sentiment_score":-0.19662809558212757,"num_words":44,"start":2781.655,"end":2798.25},{"sentences":[{"text":"So it's not even old.","start":2798.25,"end":2800.99,"sentiment":"neutral","sentiment_score":-0.11068100035190583},{"text":"So so I'm thinking I'll stay there because, again, I'm just too lazy to go to move.","start":2801.8499,"end":2809.0051,"sentiment":"neutral","sentiment_score":-0.17725357281811097},{"text":"Yeah.","start":2821.28,"end":2821.78,"sentiment":"neutral","sentiment_score":-0.003872595727443695},{"text":"Yeah.","start":2822.28,"end":2822.78,"sentiment":"neutral","sentiment_score":0.0067816320806741714},{"text":"Yep.","start":2823.28,"end":2823.78,"sentiment":"neutral","sentiment_score":0.02737518772482872}],"sentiment":"neutral","sentiment_score":-0.14145726062357425,"num_words":25,"start":2798.25,"end":2823.78},{"sentences":[{"text":"Yeah.","start":2825.9202,"end":2826.32,"sentiment":"neutral","sentiment_score":0.04009747505187988},{"text":"Yeah.","start":2826.32,"end":2826.4001,"sentiment":"neutral","sentiment_score":0.052634187042713165},{"text":"Yeah.","start":2826.4001,"end":2826.9001,"sentiment":"neutral","sentiment_score":0.07361584901809692},{"text":"Yep.","start":2842.7551,"end":2843.075,"sentiment":"neutral","sentiment_score":0.018213516101241112},{"text":"Nothing that comes to mind.","start":2843.075,"end":2844.695,"sentiment":"neutral","sentiment_score":-0.02081760875880718}],"sentiment":"neutral","sentiment_score":0.008941442602210574,"num_words":9,"start":2825.9202,"end":2844.695},{"sentences":[{"text":"No.","start":2846.595,"end":2847.095,"sentiment":"neutral","sentiment_score":-0.052844639867544174},{"text":"Yep.","start":2858.03,"end":2858.53,"sentiment":"neutral","sentiment_score":0.04009503126144409},{"text":"Yeah.","start":2870.635,"end":2871.135,"sentiment":"neutral","sentiment_score":0.03369824215769768},{"text":"Yep.","start":2875.915,"end":2876.415,"sentiment":"neutral","sentiment_score":0.04699273407459259},{"text":"Yep.","start":2877.2798,"end":2877.7798,"sentiment":"neutral","sentiment_score":0.06756295263767242}],"sentiment":"neutral","sentiment_score":0.02710086405277252,"num_words":5,"start":2846.595,"end":2877.7798},{"sentences":[{"text":"Okay.","start":2890.955,"end":2891.455,"sentiment":"neutral","sentiment_score":0.05620734393596649},{"text":"No worries.","start":2892.395,"end":2893.215,"sentiment":"neutral","sentiment_score":0.05299721844494343},{"text":"Yep.","start":2905.6702,"end":2906.1702,"sentiment":"neutral","sentiment_score":0.05914217233657837},{"text":"Okay.","start":2911.75,"end":2912.25,"sentiment":"neutral","sentiment_score":0.0408158004283905},{"text":"Yep.","start":2913.4302,"end":2913.9302,"sentiment":"neutral","sentiment_score":0.04400435835123062}],"sentiment":"neutral","sentiment_score":0.05102735199034214,"num_words":6,"start":2890.955,"end":2913.9302},{"sentences":[{"text":"Okay.","start":2915.59,"end":2916.09,"sentiment":"neutral","sentiment_score":0.03958407789468765},{"text":"Yep.","start":2922.225,"end":2922.725,"sentiment":"neutral","sentiment_score":0.06918434798717499},{"text":"Okay.","start":2928.545,"end":2929.045,"sentiment":"neutral","sentiment_score":0.04707222431898117},{"text":"Yep.","start":2930.065,"end":2930.565,"sentiment":"neutral","sentiment_score":0.15031930804252625},{"text":"Yep.","start":2936.96,"end":2937.46,"sentiment":"neutral","sentiment_score":0.07210265845060349}],"sentiment":"neutral","sentiment_score":0.07565252333879471,"num_words":5,"start":2915.59,"end":2937.46},{"sentences":[{"text":"Hello.","start":2940.4,"end":2940.9,"sentiment":"neutral","sentiment_score":0.10052910447120668},{"text":"Yep.","start":2941.1199,"end":2941.6199,"sentiment":"neutral","sentiment_score":0.08666723966598511},{"text":"Uh-huh.","start":2943.28,"end":2943.78,"sentiment":"neutral","sentiment_score":0.06621148437261581},{"text":"Yep.","start":2945.2,"end":2945.68,"sentiment":"neutral","sentiment_score":0.10798943042755128},{"text":"No worries.","start":2945.68,"end":2946.42,"sentiment":"neutral","sentiment_score":0.25952722877264023}],"sentiment":"neutral","sentiment_score":0.14674195274710655,"num_words":6,"start":2940.4,"end":2946.42},{"sentences":[{"text":"Thanks, Tommy.","start":2948.345,"end":2949.2449,"sentiment":"positive","sentiment_score":0.6602648198604584},{"text":"No worries.","start":2949.545,"end":2950.105,"sentiment":"neutral","sentiment_score":0.15488598495721817},{"text":"Thank you.","start":2950.105,"end":2950.845,"sentiment":"positive","sentiment_score":0.4025159627199173},{"text":"Okay.","start":2950.9849,"end":2951.4849,"sentiment":"neutral","sentiment_score":0.15597519278526306},{"text":"No worries.","start":2952.105,"end":2952.845,"sentiment":"neutral","sentiment_score":0.0989597886800766}],"sentiment":"neutral","sentiment_score":0.3099142561356227,"num_words":9,"start":2948.345,"end":2952.845},{"sentences":[{"text":"Okay.","start":2954.265,"end":2954.665,"sentiment":"neutral","sentiment_score":0.22497110068798065},{"text":"Thanks, Tommy.","start":2954.665,"end":2955.4849,"sentiment":"positive","sentiment_score":0.5636483132839203},{"text":"See you.","start":2955.865,"end":2956.525,"sentiment":"positive","sentiment_score":0.4274822026491165},{"text":"Bye.","start":2957.385,"end":2957.885,"sentiment":"neutral","sentiment_score":-0.12302517145872116}],"sentiment":"positive","sentiment_score":0.3473678268492222,"num_words":6,"start":2954.265,"end":2957.885}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hello. You've reached Tommy.\n\nChannel 1: Hey, Tommy. It's Adrian. How are you?\n\nChannel 0: I'm good, Fabian. How are you doing, mate?\n\nChannel 1: Hey. Good, mate. Did you get the spreadsheet I shared for with you for Paul Moretti?\n\nChannel 0: Yeah. Yeah. Just got a couple of messages from Savvy, and I've just gotten this shared spreadsheet from Paul. We've\n\nChannel 1: Perfect.\n\nChannel 0: got all the assets and on the goals and all that fun stuff. Fantastic.\n\nChannel 1: Yep. So a couple of notes. His big priority is one, what can I do to minimize my tax between now and retirement? I just said, given your age and everything, I'll look at what's called the transition to retirement.\n\nChannel 0: Yep.\n\nChannel 1: That'll be a really good strategy for you. We talked about risk, and he's like, look, honestly, soup if super crashes, I still got plenty of other things. I'm happy to take on a bit more risk to maximize my growth. And I said for your age, the adviser is probably not keen to increase your risk. They might be okay to look at a similar risk to what you're doing, but I'll let them discuss\n\nChannel 0: Yeah.\n\nChannel 1: it with you and work out what's right for you.\n\nChannel 0: Perfect. Do you guys do any with these ones, if has anyone done, like, any risk profile type thing, or is that for me to\n\nChannel 1: Yeah.\n\nChannel 0: sort\n\nChannel 1: The\n\nChannel 0: of\n\nChannel 1: risk,\n\nChannel 0: jump into?\n\nChannel 1: no, the risk profile should be filled out there on the bottom usually. Is it on it?\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Fantastic.\n\nChannel 1: There it is. Down the bottom. It's called 16.\n\nChannel 0: 16. Awesome. Smack bang in the growth, and he's nineteen sixty five.\n\nChannel 1: So I think he's 61 years old\n\nChannel 0: 61 years old. Perfect, dude. That is amazing.\n\nChannel 1: and running\n\nChannel 0: Great\n\nChannel 1: through to\n\nChannel 0: information.\n\nChannel 1: 67. Awesome. Alright.\n\nChannel 0: Cool,\n\nChannel 1: Well, if\n\nChannel 0: mate.\n\nChannel 1: you're ready, I will grab him the line.\n\nChannel 0: Yeah. Go for it. Go for it.\n\nChannel 1: Thanks, mate. You there, mate? Yeah. Yeah. Excellent.\n\nThank you for holding. Sorry about the wait. That's alright. I've got Tommy on the line. Tommy is one of the senior advisers with OQ that's gonna work on this plan.\n\nHe's just gonna go through and confirm a few details. We'll get out of your hair, get to work, and I will call you on Friday. And, hopefully, we've got a bit of good news for you. Yep. No worries.\n\nAwesome. Alright. You have a good afternoon. Thanks, mate. You too.\n\nSee you.\n\nChannel 0: Good day, Paul. Tommy here from Oakview, mate. How are you doing?\n\nChannel 1: Yeah. Good, Tommy. How are you?\n\nChannel 0: Doing fantastic. It's been a bit of a drizzle of a start to the week, but very much looking forward to it. What about your end?\n\nChannel 1: You know, I've been good. It's sunny down here. Beautiful.\n\nChannel 0: Victoria's a bit like that. It can chop and change on a dime, but at the moment, it looks beautiful compared to the Gold Coast. I'll tell you that.\n\nChannel 1: Exactly. Is that where\n\nChannel 0: Awesome,\n\nChannel 1: you own\n\nChannel 0: mate.\n\nChannel 1: the Daltos?\n\nChannel 0: Yeah. Yeah. We're on the Gold Coast. We do serve nationally, but main office is out of the Gold Coast.\n\nChannel 1: North.\n\nChannel 0: Awesome. And, look, thanks very much for updating your details with the team there. I know there can be a decent amount of questions to get some information, but I really appreciate that because full overview of your situation really just helps me work out a few ideas and plans for you.\n\nChannel 1: Okay.\n\nChannel 0: Now what I wanted to just go through with you in just a little bit more depth is as I'm looking through this snapshot, you've obviously hit that period with your superannuation where you're past your preservation age. You can access your super. You've got\n\nChannel 1: Yeah.\n\nChannel 0: a few more strategies that are open to you. Can you just tell me in your own words kind of main thing that you're hoping to get out of going through this process with us?\n\nChannel 1: Okay. So possibly, maybe, am I on the right path? Am I doing I should should be doing between now and retirement that will have a positive significant impact. Any tax things that I may not know about, which should be all of them. Something like that.\n\nSo I've been I've sort of had discussions with various groups in the past, and it's all just saying either too expensive or just I couldn't see any sort of significant saving or reason to do it.\n\nChannel 0: Yeah.\n\nChannel 1: So when I was contacted a while, nothing ventured, nothing gained. I just see what's on offer and what would be, you know, what the cost is and the return is and why not from there.\n\nChannel 0: Yeah. Absolutely. So I guess looking through these goals here, and you're in that transition to retirement stage of your life as well, and you're looking to access the super in a few years' time, so you don't really have that ten, twenty, thirty years ahead of you to take on too much risk. So are you what's your sort of thoughts in terms of protecting what you've built versus growing it a little bit further?\n\nChannel 1: Growing\n\nChannel 0: Just\n\nChannel 1: it.\n\nChannel 0: straight\n\nChannel 1: So\n\nChannel 0: up growing\n\nChannel 1: it might\n\nChannel 0: it?\n\nChannel 1: be yeah. I'd be probably maybe say 60% growth, 40% preserve. We've got\n\nChannel 0: Yep.\n\nChannel 1: some like, we've got other things that are going on that, you know so I've got figure, well, I might as well just try and max out my super. I have a bit of risk. I don't I don't wanna lose it all, but, yeah, I might as well try and go for a bit of growth.\n\nChannel 0: Absolutely. So when I look back about the income needs for retirement, we were talking about a goal of 3 to 4,000 per week.\n\nChannel 1: Yeah.\n\nChannel 0: Now, ideally, it would be nice if you can get that mainly just from the superannuation, but you do have really good income and pretty good assets as well. Are you hoping to achieve that just from the super loan, kind of self fund it from that?\n\nChannel 1: No. No. Because that more I've got rental rent rents coming in as well.\n\nChannel 0: Yep.\n\nChannel 1: So I can get some out of that and and super, and I've got my messages cheaper as well. So yeah. But I mean, obviously, the more I've got, the more I can spend.\n\nChannel 0: Perfect. Perfect. So the way I look at it when it comes to longevity of your funds when you're in retirement is you need to be able to pull out a small enough amount that you're not gonna deplete it too quickly. K?\n\nChannel 1: Yep.\n\nChannel 0: So let's say you've got today you retire, you've got a million dollars in super as an example. If you pull out, say, 5% and you keep it in something nice and conservative, you can pretty much generate a four to 5% return to recoup what you take out of it, if that makes sense.\n\nChannel 1: Yep. Yep.\n\nChannel 0: So what that really leans you towards is based on the mill that you currently have, you're looking at about 50 to a 100,000 that you could take out if you were to retire today as an example.\n\nChannel 1: Yeah.\n\nChannel 0: So if you build it up a bit further over the next five to six years, let's say you try and push it from 1,000,000 to maybe out 1.5, 1.5,\n\nChannel 1: Yeah.\n\nChannel 0: 1.6, you could safely generate 75 to a 100,000 just from your super without depleting it too quickly.\n\nChannel 1: Yep. Yep.\n\nChannel 0: So let's call it kind of just over half of that retirement goal just purely from your super. Add in your partner's super, add in the other rents, and you should be okay. Now just\n\nChannel 1: Yep.\n\nChannel 0: to kind of tie it all in together, with the incomes that you're currently generating, because you've got the factory, the house, the investment property, do Do you have a just to figure off the top of your head about how much that's currently generating in either gross cash flow or net cash cash flow?\n\nChannel 1: Okay. So two rents and that probably generates probably about 5,300 a month.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: K. 5,300 a month coming out of there. And just so I can kind of factor it in, how much super does your partner have?\n\nChannel 1: I think 400.\n\nChannel 0: K. 400,000. So, realistically, if we can get you guys both combined to a little bit over 2,000,000, you should be there by the age of 67.\n\nChannel 1: Yep.\n\nChannel 0: K? And then you've got about 63,000 coming in in rents over there. That should pretty much be the goal. Would you agree?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Perfect. When it comes to TTR strategies, people talk about transition to retirement. You've gone through this process a little bit before.\n\nWhen was the last time that you've kind of looked through and talked to an adviser or somebody about what to do with your super?\n\nChannel 1: Well, I asked my accountant because I had this mob. I can't remember what they were. They could take we'll we'll take it out and we'll get better returns and all that and said, no. Don't even bother. So that was when I did an attack, which was, I don't know, three or four months ago.\n\nChannel 0: Yep. K.\n\nChannel 1: Yep.\n\nChannel 0: And did they talk you through how a transition strategy works at all?\n\nChannel 1: No.\n\nChannel 0: K. So all it basically means is that because you're at your preservation age and you're still working, you can access up to 10% of your super. And, basically, what they do is a recontribution where you can take some money out, put it back in again, save a bit on tax, and boost up your super that way.\n\nChannel 1: Yep.\n\nChannel 0: So, essentially, super tax at 15%. You've got a pretty big income, though, and the split between your base and your gross income, a 185,000 base, 230,000 gross income. Is that just a bit of a bump up from, like, overtime and things like that or bonuses?\n\nChannel 1: Partisans.\n\nChannel 0: K. So the cap for your concessional contributions is about $30, and you can kind of use up what you haven't used for the last five years going backwards. Have you ever looked at your myGov account to see what you've got lying behind you?\n\nChannel 1: Right. Okay. So does that mean because I'm gonna get a like a fairly large bonus this year,\n\nChannel 0: Mhmm.\n\nChannel 1: which will be November this year. Can\n\nChannel 0: Okay.\n\nChannel 1: I put a shitload of it into super?\n\nChannel 0: Potentially, yes.\n\nChannel 1: Okay. Yep.\n\nChannel 0: So what I'm sort of thinking, and it may be a bit of a two part strategy that we do with you, is this financial year, we're down to the last three months, and then you've got all of next financial year to consider as well. So when it comes to putting extra into superannuation, would you be wanting to use the bonus you get in November, or do you currently have cash available for this financial year?\n\nChannel 1: Yeah. Oh, I'd use my bonus. Because that way,\n\nChannel 0: Use\n\nChannel 1: I can\n\nChannel 0: the bonus.\n\nChannel 1: get it put in at the normal rate, can't I?\n\nChannel 0: Yes.\n\nChannel 1: Yep.\n\nChannel 0: So if we look at the bonus in November, what we basically\n\nChannel 1: Yep.\n\nChannel 0: need to find out is what you've got left over for what you're gonna end up with for this financial year, what\n\nChannel 1: Yep.\n\nChannel 0: you're likely to use up next financial year when you get that bonus, and then another few years behind that, and then we can kind of tie all that together into one thing.\n\nChannel 1: Although, I've been getting fined by the ATO for super contributions of the last couple of years.\n\nChannel 0: Yeah.\n\nChannel 1: I've had\n\nChannel 0: So\n\nChannel 1: to\n\nChannel 0: you might\n\nChannel 1: pay\n\nChannel 0: be division two\n\nChannel 1: money.\n\nChannel 0: nine three.\n\nChannel 1: How do I do I take that on my job tonight?\n\nChannel 0: Yes. So if you've been getting such big bonuses that you're getting little extra tax liabilities from the government, You're probably hitting division two ninety three tax category. Has your account never mentioned that to you when you last spoke to them?\n\nChannel 1: He just keeps forwarding me the amount so I could repay. I I\n\nChannel 0: Okay.\n\nChannel 1: have to pay,\n\nChannel 0: Perfect.\n\nChannel 1: but I can just check. Oh, yeah. It's a division two nine three.\n\nChannel 0: Yeah.\n\nChannel 1: So last one was your additional tax for this invoice is taxable super contribution, 1,722. Additional\n\nChannel 0: Yep.\n\nChannel 1: tax, June payable, $258. I've had to do them a couple of times.\n\nChannel 0: Yep. K. So you've already clicked that out for a couple of years, and your next big bonus is in November. Anything else coming through for the next three months?\n\nChannel 1: Yeah. Anything in the next three months, I'll be just getting my normal monthly contributions by work.\n\nChannel 0: Okay. Perfect. Perfect. The only reason why is I just wanna make sure that I'm careful with how much is gonna go in there for this financial year in case that triggers again, and then that kind of clicks out three of the years potentially for you.\n\nChannel 1: It's about less than division. I can't understand now. This is what I've put in was my contributions. Say, for last financial year were $24,392.45.\n\nChannel 0: Yep. And that's for\n\nChannel 1: Yeah.\n\nChannel 0: 2425 financial year?\n\nChannel 1: Oh, that was 2324.\n\nChannel 0: Yep. 2324. Are you by any chance in your myGov account at the moment?\n\nChannel 1: No. That was\n\nChannel 0: K.\n\nChannel 1: just\n\nChannel 0: When\n\nChannel 1: an\n\nChannel 0: you\n\nChannel 1: email with the phone.\n\nChannel 0: that's okay. If you do get a second to go in there, when you go into the super section, there'll be, like, a little bit of a a piggy bank saying, like, a super with a dollar sign, little piggy bank button, and it'll tell you a unused cap. And they pretty much precalculate for you the last five financial years. And I just wanna see if there is anything to use up because since your incomes hit that point from '23 till now, you pretty much got your last chance to use some of that up before it gets wiped out.\n\nChannel 1: Oh, you know, from five years ago, you may.\n\nChannel 0: Yeah. Correct. So as it's like the walls kind of coming behind you from five years forwards, let's\n\nChannel 1: Yeah.\n\nChannel 0: say we go two years down the line. Well, now you're up to those years where you're already going over 30,000\n\nChannel 1: Yeah.\n\nChannel 0: in,\n\nChannel 1: Yeah.\n\nChannel 0: like,\n\nChannel 1: Yeah.\n\nChannel 0: that division two nine three, and\n\nChannel 1: Yep.\n\nChannel 0: then that pretty much those years are lost.\n\nChannel 1: Yep. Yeah. I know. Yep. You know?\n\nOh, damn. So I just realized it. Well, I'm in my phone. Got a few people I forgot to ring back.\n\nChannel 0: So is the way.\n\nChannel 1: I remember what it was. Why am I I am I got it. All I know is they put up fucking stealing money off me.\n\nChannel 0: Yep. You're in that position where most tax people in the country are high wage earners, and you get lumped in the category where people call you the mega rich, the 1%, and you get caught with all the taxes.\n\nChannel 1: Yeah. It's funny. I'm not I'm hoping mega rich. That's for sure.\n\nChannel 0: Yeah.\n\nChannel 1: What am I looking at? Few view my my income or super check super.\n\nChannel 0: Yep. And there should be something to do with unused caps on there.\n\nChannel 1: Oh, it's gone down a bit. Balance as at oh, that was the $30.36.\n\nChannel 0: Yeah. They don't update it pretty frequently. So compared to your current statement, it could be\n\nChannel 1: Oh, yeah.\n\nChannel 0: nine\n\nChannel 1: That's\n\nChannel 0: months\n\nChannel 1: only\n\nChannel 0: out.\n\nChannel 1: '25. So what am I looking for here?\n\nChannel 0: I'm actually gonna bring mine up just so I can kind of show you as well. Just bear with me for a quick moment. Basically looking to try and get onto the super section of it, and there should be a button saying unused cap. I'll kinda show you. And are you in the tax office section of myGov?\n\nChannel 1: Yeah. Yeah. Yep.\n\nChannel 0: And just on your phone or PC?\n\nChannel 1: Fine.\n\nChannel 0: Phone. K. So you should have your super section. You got your reported super balance down below. Just like you were saying, that's a little bit on the low side.\n\nChannel 1: Although, yeah, that's although that's thirtieth of the sixth, so that's that's, you know, eight months ago.\n\nChannel 0: Perfect. So you know the little menu button at the top left of three lines?\n\nChannel 1: Yes. Yep.\n\nChannel 0: When you go into there, it should say home, tax, super, employment,\n\nChannel 1: Yep.\n\nChannel 0: and my profile. You wanna\n\nChannel 1: Yep.\n\nChannel 0: just hit the super button on there and then go into\n\nChannel 1: Information.\n\nChannel 0: the information button\n\nChannel 1: Yep.\n\nChannel 0: and then carry forward concessional contributions.\n\nChannel 1: Okay. Okay. So so then I did pick up financial year.\n\nChannel 0: Yep. Is it currently set to 2526 on your screen?\n\nChannel 1: Yep.\n\nChannel 0: And just below that little blue box should say unused concessional contributions\n\nChannel 1: Yep. And\n\nChannel 0: available\n\nChannel 1: it's not\n\nChannel 0: to carry forward.\n\nChannel 1: full. Because the little red circle is not eligible.\n\nChannel 0: Not eligible.\n\nChannel 1: Not eligible to carry forward unused concessional contributions kept because the total superannuation balance is 500 k or more at\n\nChannel 0: Yeah.\n\nChannel 1: the June.\n\nChannel 0: Yep. So you cut out from that. The only one they'll let you do is nonconcessional contributions, which you're not gonna get a tax deduction for, unfortunately.\n\nChannel 1: Right. In other words, forget that.\n\nChannel 0: Yep. Forget that one. And when it comes to transition to retirement, you're getting close to a point where you can switch your super in to a bit of a pension account where it can earn kind of tax free. Whereas everything it currently earns in super, it gets cops about a 15% tax rate on the dividends and the capital\n\nChannel 1: Yep.\n\nChannel 0: growth. K? At the moment with your age, if you were trying to switch into a transition pension now to pull money out of super, you wouldn't be able to get it back in again for a tax deduction. So that strategy is kind of a bit moot at that point.\n\nChannel 1: Mhmm.\n\nChannel 0: The only thing you could do with it is recycle it through as nonconcessional, and that way you don't have to pay tax on your estate if you were to pass away. So whoever inheritance isn't gonna pay tax on it.\n\nChannel 1: Yep. Yep.\n\nChannel 0: It. Let me just quickly ask you as well because you obviously, Monique's there. I'm assuming you've got it all set up so that she's the first point of receipt in your estate plan.\n\nChannel 1: In my what?\n\nChannel 0: So as far as, like, estate planning goes, like a beneficiary of who receives your super, a will for\n\nChannel 1: Oh,\n\nChannel 0: your other\n\nChannel 1: yeah.\n\nChannel 0: assets, I'm\n\nChannel 1: Yep.\n\nChannel 0: assuming\n\nChannel 1: She\n\nChannel 0: you're kind of just\n\nChannel 1: she is\n\nChannel 0: going to your partner.\n\nChannel 1: yeah. She is. But it's well, there's two types. I'm just trying to think it's the it's two types of benefits. I can't remember what what one of these, but it's probably the wrong one.\n\nChannel 0: Oh, you mean, like, whether it's like, the terminology as far as lapsing\n\nChannel 1: Finding and\n\nChannel 0: and\n\nChannel 1: not\n\nChannel 0: binding?\n\nChannel 1: finding that bit. Yep.\n\nChannel 0: You've got it as a nonbinding, have you?\n\nChannel 1: Yeah. Yep. I don't\n\nChannel 0: Yeah.\n\nChannel 1: know why I've got back because I don't know what the difference is. I can't\n\nChannel 0: All\n\nChannel 1: remember\n\nChannel 0: of\n\nChannel 1: what\n\nChannel 0: it?\n\nChannel 1: the difference is.\n\nChannel 0: Nonbinding means the the trustee or the super fund has discretion to who it goes to. Binding means it's legally binding. And how that usually comes about is if you did a nomination online, they normally set it up as non legally binding unless you actually sign a document that gets witnessed, like an actual legal beneficiary document.\n\nChannel 1: Yeah. Yeah. Yeah. Yeah.\n\nChannel 0: So it's usually a good idea to get it binding. It just have to go through that extra step of getting it signed on paper with two people witnessing it.\n\nChannel 1: Yeah.\n\nChannel 0: So that's the first thing I'm gonna recommend is that we get your estate plan lined up that way. How's everything looking in terms of, like, will, power of attorney, and so on?\n\nChannel 1: Oh, I haven't done any of that.\n\nChannel 0: K. I just thought I saw that you did you have an old will that you needed to update, or you've never put one in\n\nChannel 1: I've\n\nChannel 0: place?\n\nChannel 1: got an old one yet. I haven't updated it for twenty five years.\n\nChannel 0: Okay. So we've got 25 year old will. We've got a nonbinding beneficiary nomination. That's a bit uncomfortable. And do you do you remember what a power of attorney does?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yeah. Perfect. I would always recommend you tie them together because even if you get a really fancy will, power of attorney is, like, $25 from the post office just so your partner\n\nChannel 1: Okay.\n\nChannel 0: can\n\nChannel 1: Yep. Yep.\n\nChannel 0: access\n\nChannel 1: Yep.\n\nChannel 0: bank accounts, talk to doctors without having to go to the courts.\n\nChannel 1: Yeah. Yeah. Yeah. Okay.\n\nChannel 0: K? So we need to get all that fixed up. Have you got a lawyer that you use?\n\nChannel 1: No. I haven't used it for ages. So if we did have one, we don't anymore. So\n\nChannel 0: Okay. You do have alternatives. So I'll go basic to advance for a moment. If you get a basic will kit or power of attorney from the post office, they're separate. They're, like, $25 from Oz Post.\n\nYour situation, you're probably in a little bit too complex to do the cheap will kit from the post office. You\n\nChannel 1: Yes.\n\nChannel 0: do have the option to go to the public trustee of the state. You know, when you go to the courts, they can also do wills similar to a\n\nChannel 1: Yes.\n\nChannel 0: solicitor as well. So it really is about how much you wanna pay there. Do you wanna just go to the courthouse, set up an appointment, and put a updated will in place, or do you wanna actually go through with a solicitor and set up things like a have you heard of a testamentary trust before?\n\nChannel 1: No.\n\nChannel 0: K. So because you have adult children, one of the things that people do in your position is you put in place a will where everyone talks about trust funds at your income level. You don't have to set one up while you're alive. You can have one that triggers with the will. So for example, trust fund gets established a testamentary trust.\n\nYou pass away, your partner passes away, and then all of a sudden, a family trust absorbs all of your assets. It doesn't\n\nChannel 1: Yes.\n\nChannel 0: trigger capital gains, tax events, and things like that, and then you can distribute out funds to minor children under 18, adult children above 18, and just be a little bit more strategic about what happens with your assets.\n\nChannel 1: Okay.\n\nChannel 0: So one of the big things for you isn't even necessarily trying to eke out as many dollars as you can in your super at the moment. We'll we'll look at that, of course, but your estate plan needs to be kind of tightened a little bit.\n\nChannel 1: Yeah. Yeah. Yeah. Yep.\n\nChannel 0: Now what I'll do is when I put together a plan for you, I'm gonna include some basic information about will, power of attorney, testamentary trust, and so on. That way when you go to speak to someone, you've just some information that you can run through with them, and that gives them a good starting point. Is that okay?\n\nChannel 1: Yeah. No\n\nChannel 0: Easy done. Easy done.\n\nChannel 1: problem.\n\nChannel 0: Okay. So estate plan, partner, children. Is there anything else to do with your family that I need to take into account? And I'm gonna ask you a slightly awkward question, but it is important. Is there anyone outside of the family who could contest your will at this point?\n\nChannel 1: No.\n\nChannel 0: K. No ex spouses or anyone floating around, different countries or anything?\n\nChannel 1: No. No. Nothing\n\nChannel 0: Perfect.\n\nChannel 1: so exotic. So\n\nChannel 0: Nothing. Very straightforward.\n\nChannel 1: yeah. I got two brothers, and we've all got our own stuff. And\n\nChannel 0: Okay.\n\nChannel 1: there's no no fights or anything. So yeah. So no. That's it. That's all of us.\n\nSo\n\nChannel 0: Okay.\n\nChannel 1: no no\n\nChannel 0: Easy.\n\nChannel 1: exes, no skeletons, no anything.\n\nChannel 0: That's actually good to hear because building it all straightforward like you have where you've worked hard and built your assets up makes things a lot easier for everyone. You can obviously imagine the the types of scenarios that we get where a client passes away and four, five, six people come out of the woodworks and everyone just fights over their assets until it's zero.\n\nChannel 1: Yeah. Yeah. Yeah. Yeah. So there's nothing nothing like that.\n\nSo which is probably fortunate.\n\nChannel 0: Perfect. So the main thing for you then is looking after your partner and your four children, and one of your children are 18. Correct?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yep. Okay. Perfect. Perfect. So that might be helpful.\n\nI'm definitely gonna look at recommending that you set up a testamentary trust will because when you've got minor and adult children, it just makes it a bit easier to look after them\n\nChannel 1: Yep. Okay.\n\nChannel 0: and also helps minimize estate tax as well.\n\nChannel 1: Yep.\n\nChannel 0: Okay. So just swinging back to the super for a quick moment as well. When it comes to what you were saying about maximizing growth, we go pretty straightforward with the investments that we pick at our view. So portfolios that we build, they're very ETF heavy. You're familiar with ETFs and managed funds.\n\nChannel 1: No.\n\nChannel 0: K, Paul. So the standard way I would explain it is that your your rest superannuation and most other super funds, they use these managed funds. You send your money to a fund manager. They'll invest it. They charge you fees.\n\nAnd it's usually\n\nChannel 1: Mhmm.\n\nChannel 0: a decent percentage of your balance to look after it. Whereas with the ETFs that we tend to lean towards, it's a little bit of a purchase to get them up front. So you spend a bit of brokerage like you would if you were buying some stocks. And then once you've got it, it's kind of the lowest investment fee to hold that ongoing for five, ten, fifteen, twenty years.\n\nChannel 1: Yep.\n\nChannel 0: So one of the things that you can look at is just, you know, minimize your investment fees, and they tend to have much better returns there as well. The only, I guess, trick with it is you need a platform or a super fund that can actually access investments\n\nChannel 1: Yep.\n\nChannel 0: outside of the usual 10. I know rest has usually about thirteen, fourteen options. They don't really give you access to anything outside of that. At\n\nChannel 1: Yeah.\n\nChannel 0: your balance and your age, look, I'll just be completely honest with you. You can definitely afford to get the better platforms and super funds. You don't have to go as far as a self managed super fund because that's can be a little bit complex, so you can go\n\nChannel 1: Yep.\n\nChannel 0: that way if you want to. But at least get yourself, like, a wrap platform that has those 1,000 options and everything available to you even if it's only an extra couple $100 a year.\n\nChannel 1: Okay.\n\nChannel 0: Is that something that you would consider where I can do a bit of research and just show you what's out there?\n\nChannel 1: Yeah. Absolutely. I'm just thinking it has to be pretty because I'm pretty lazy when it comes to stuff like this.\n\nChannel 0: Yep.\n\nChannel 1: So I get almost, like, self managed. I wouldn't I'm I just couldn't be bothered.\n\nChannel 0: I get you. I'm with you.\n\nChannel 1: And, yeah, if it didn't have too much complexity around it, I'll look at it. I'm not saying\n\nChannel 0: Okay.\n\nChannel 1: I'll go for it because I'm pretty conservative, like, I'm I'm on my second job in the last forty five years, so I don't I don't like change clearly.\n\nChannel 0: Yeah. Okay.\n\nChannel 1: And yeah. So even if some people say I'd make more sense or maybe it does, but it doesn't mean you have to do it. So\n\nChannel 0: K.\n\nChannel 1: but it has to be compelling, I guess.\n\nChannel 0: Yeah. Okay. So let me ask you an important question then. So let's say\n\nChannel 1: Yep.\n\nChannel 0: that we put together a plan and you're happy with it. You say, you know what? I wanna become a client of Oakview Financial. I want you guys to help me look after these things, and we can talk about super, outside super, all kinds of different areas.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Would you be okay with a certain amount of contact from your advisers? So we do offer quarterly, six monthly, and yearly. In order to look after the super and keep it low touch point for you, we do need to have the ability to get in contact with you to say, hey.\n\nChannel 1: Oh,\n\nChannel 0: We'd\n\nChannel 1: yeah.\n\nChannel 0: like to change this\n\nChannel 1: Yeah.\n\nChannel 0: and\n\nChannel 1: That\n\nChannel 0: that kind\n\nChannel 1: yeah.\n\nChannel 0: of thing.\n\nChannel 1: No. No. For as long as I don't have to do anything.\n\nChannel 0: Cool. Okay. So it's mainly\n\nChannel 1: Yeah.\n\nChannel 0: about, here's a document with our proposed changes. Are you comfortable with what we're proposing so you can sign off on the changes?\n\nChannel 1: Yeah. I mean yeah. But you can ring me a 100 times a day. That's fine. As long as I\n\nChannel 0: Yep.\n\nChannel 1: don't have to actually do anything in, like because I'm I was just saying, don't why have a dog and bark himself? As in, why have a consultant and you do all the work? Like, that's what, you know,\n\nChannel 0: Yeah.\n\nChannel 1: the Superfund's for to do that stuff.\n\nChannel 0: Yes. I'm with you. So there's a couple of options. So if we were to put together a portfolio, we'll try and find you and build you the best portfolio that we can because, again, there's two\n\nChannel 1: Yep.\n\nChannel 0: thousand options out there, and we wanna put together a portfolio for you to get you a better outcome, a better return.\n\nChannel 1: Yep.\n\nChannel 0: At least, that would require a twelve month review where we actually just talk for thirty minutes and say, hey. This is how it's going.\n\nChannel 1: Yeah.\n\nChannel 0: What's\n\nChannel 1: Yeah.\n\nChannel 0: going\n\nChannel 1: Yep.\n\nChannel 0: on in your life? This is what we'd like to change, and then come\n\nChannel 1: Yeah.\n\nChannel 0: back for a second call to go through that\n\nChannel 1: Yeah.\n\nChannel 0: document.\n\nChannel 1: Yep.\n\nChannel 0: The only other alternative is something called an SMA structure separately managed account, and all that does is it puts a bubble around your portfolio and allows a manager and your adviser to make chops and changes through the year and then send you a change report.\n\nChannel 1: Yep.\n\nChannel 0: It's a tiny bit more expensive, but a little bit less of a touch point for you. I can go either way. I just wanna make sure that you're comfortable with it.\n\nChannel 1: I'd probably do the the constant communication. I'm okay with that.\n\nChannel 0: Okay. Perfect. That\n\nChannel 1: Yeah.\n\nChannel 0: will that'll save us an extra 10 basis points, which would be really good. What I'd like to ask you one more thing because, obviously, I'm gonna give you a recommendation of what I think you should do, but I do\n\nChannel 1: Yep.\n\nChannel 0: need to tailor things a little bit because how it behaves is really important. Because as you watch it every year, need to make sure it's within what you expect.\n\nChannel 1: Yep.\n\nChannel 0: Simple, simple\n\nChannel 1: Yep.\n\nChannel 0: question is, you had to pick between lowest fees or paying extra to try and get a higher return, which way does your gut feeling pull you towards?\n\nChannel 1: I guess it's relative. It's I'd go whatever the best outcome is. If that's pay more to get more,\n\nChannel 0: Yep.\n\nChannel 1: I'll probably do that.\n\nChannel 0: Perfect. So as long as it's all about the end outcome, you don't really have a strong opinion\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: either\n\nChannel 1: Yeah.\n\nChannel 0: way.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Okay. So what that kind of reveals is we can use a combination of passive or active funds for you and really just trying to get you the best mix one way or the other.\n\nChannel 1: Yep.\n\nChannel 0: I may even do something called a core and satellite where we use both. We put most of your super in a nice, safe, steady ship with the low fee investments, a couple of little satellites around it, small amounts. They kind of act like sled dogs that pull you along a little bit quicker.\n\nChannel 1: Yes.\n\nChannel 0: K? So I'll show you what that looks like. Risk level. The world at the moment is kind of a bit on fire. How have you found watching your super going up and down?\n\nAnd I know you went through that risk profile questionnaire, and you still came out to be about a four out of five on the risk scale. What are your thoughts on risk?\n\nChannel 1: Yeah. On on my side with risk.\n\nChannel 0: K. As long as it kind of averages out over the long term.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: K. I'm gonna propose something, and this is just pure professional judgment here. If you're gonna access your Super 67 or possibly earlier, you don't really have a decade ahead of you to take on too much risk.\n\nChannel 1: Okay. Yep. Well,\n\nChannel 0: And\n\nChannel 1: what what\n\nChannel 0: what\n\nChannel 1: I've\n\nChannel 0: I'm\n\nChannel 1: done? Yeah, that's probably yeah. Okay. That's fine. It's a call.\n\nChannel 0: k. Is there any sort of strong leanings towards the age of 67 where you go might be earlier, might be later, or you're always gonna do a little bit of work on the side?\n\nChannel 1: Well, look, it's as of right now, I'm thinking 67, but it could be earlier because I might get bored and say, no. We're gonna go traveling or whatever. Yeah. That's a possibility. I could even go in two years.\n\nI'm not sure. I doubt it, but you never know.\n\nChannel 0: K. So what I would then recommend is because you're in when you're at that four out of five growth risk profile, you usually need at least eight to nine years before you start retiring. Because if the market crashes, you need time for it to rebound and get the return that you're aiming for.\n\nChannel 1: Yep.\n\nChannel 0: If you go high risk, like, you know, a few 35 year olds I recommend go high risk, you need a decade plus.\n\nChannel 1: Yeah.\n\nChannel 0: Because you're in that kind of middle ground where you're transitioning, still focusing on growth, but also want to protect it, you almost want to kind of go a bit more balanced with it, like a three out of five. 60 to 70% focusing on growth, 30 to 40% focusing on safety.\n\nChannel 1: You're probably right. So probably just mix it up a bit like because, again, I'm not I I can I can live without super if I wanted to?\n\nChannel 0: Yeah. So\n\nChannel 1: I\n\nChannel 0: you wouldn't\n\nChannel 1: just\n\nChannel 0: have to immediately pull it out for a loss if the market was going down. You could have a few\n\nChannel 1: no.\n\nChannel 0: years\n\nChannel 1: No. No.\n\nChannel 0: where\n\nChannel 1: That's not\n\nChannel 0: other funding sources.\n\nChannel 1: Yeah. Correct. I've got rent from property, so I can always live on that.\n\nChannel 0: Okay. So as a bit of a a middle ground, instead of going for that 60% for a balanced fund, why don't we go, like, 70? Somewhere in between, balance to balance growth, I'll call it.\n\nChannel 1: Okay. Yep.\n\nChannel 0: That way, you could potentially get slightly, like, even a half peg less of risk than what you're currently taking, hopefully, with\n\nChannel 1: Yeah.\n\nChannel 0: a bit lower investment fees and a slightly higher return and kind of\n\nChannel 1: Yeah.\n\nChannel 0: get you that gold triangle almost.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: K. Balance to balance growth. What I'll do as well is because as advisers, we usually charge about three to 4% upfront to a capped amount of about 4,950 for the initial plan. And then ongoing, if we're managing the super, we usually charge about 1.65% to manage it each year. So I've got to factor in the returns, the fees, both from the super fund and from us and see if I can actually leave you in a better position.\n\nBecause it's one thing to get\n\nChannel 1: Yep.\n\nChannel 0: you slightly lower fees and better return, but then if that gets eaten away by our fees, it's not gonna get you in a better spot in five years' time.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: So what I'm only gonna recommend is if I can get you a better outcome than that. Obviously, I can't guarantee what happens in the stock market. But what I\n\nChannel 1: Yep.\n\nChannel 0: mean is when all is said and done, we can project out that we can get you in a better position.\n\nChannel 1: Okay. Yep.\n\nChannel 0: K? So I'll factor that in as well. If we can't, I'll let you know. If we can, my job is essentially to hunt around the industry to find you what can.\n\nChannel 1: Yeah. Yeah. Okay.\n\nChannel 0: K. So at this point, we do up a little bit of a cleaning for the estate planning. We adjust your risk level in the super and get you a better outcome. I don't think you need to worry too much around doing those contribution strategies because you're already hitting division two nine three. So\n\nChannel 1: Yep.\n\nChannel 0: you're almost better off focusing more on the personal side of things than just the super.\n\nChannel 1: Okay.\n\nChannel 0: Can I ask you, do you have any major plans with\n\nChannel 1: Yep.\n\nChannel 0: accumulating more assets, or are you kind of happy with the ones that you've got?\n\nChannel 1: Good question. I've got one of the properties. I've got I was gonna develop and put two units on it. So I was gonna sell some of my cars\n\nChannel 0: Yep.\n\nChannel 1: and use that to build two units. So that would be I could could sell them or just could lease rent two out, which would give me a lot more,\n\nChannel 0: More cash flow.\n\nChannel 1: which yeah. Yep.\n\nChannel 0: K. And part of the goals that you mentioned to the team was even doing a bit of a slowdown at work over the next five years. Are you still thinking of just kind of taking the foot off the gas a bit and maybe even going part\n\nChannel 1: Yeah.\n\nChannel 0: time?\n\nChannel 1: But financially, the problem still remains the same. That's not what I'll take my foot off and then go get $40 a year or still be similar to what it is.\n\nChannel 0: Okay. Perfect. The other reason why I bring that up is if you need to draw down some of your super to supplement your income, we can do that, but I don't wanna\n\nChannel 1: Yeah. To\n\nChannel 0: do\n\nChannel 1: have\n\nChannel 0: it too\n\nChannel 1: it.\n\nChannel 0: early\n\nChannel 1: Yep.\n\nChannel 0: if you don't need to.\n\nChannel 1: Yep. Yep.\n\nChannel 0: K.\n\nChannel 1: Yes. I don't plan on doing that. No.\n\nChannel 0: K. And still focusing a split between Queensland and Victoria as far as living situation and bouncing\n\nChannel 1: Yeah.\n\nChannel 0: between\n\nChannel 1: That\n\nChannel 0: states?\n\nChannel 1: well, the the\n\nChannel 0: Mhmm.\n\nChannel 1: Queensland wants to apply in the sky because at the moment, all the coins are buying up there\n\nChannel 0: Yeah.\n\nChannel 1: and causing the prices to go through the roof. So I don't wanna be one of them.\n\nChannel 0: So that's kind of on hold for a little bit, would you\n\nChannel 1: Yeah.\n\nChannel 0: say?\n\nChannel 1: Yeah. Probably. Yep. Yep.\n\nChannel 0: K. Something to come back to. And just out of curiosity as far as investing goes, like, you've got your super, you've got your properties. Are you considering doing any personal investments to try and either grow some wealth or even build some funds up for the children, any of those considerations as well?\n\nChannel 1: I've got some more shares and that's all. And I'd I'd I'd stick with that because I'm only because I work here.\n\nChannel 0: Yep.\n\nChannel 1: But now I don't plan on doing anything else like that, I think.\n\nChannel 0: Perfect. If it ever comes to a point where you wanna kind of mimic how your super invest and do a bit personally, we can do that for you as well. But at this point, I'll just let you focus on the properties and the super as the main combination.\n\nChannel 1: Yeah. Yes. Yep. Yep.\n\nChannel 0: Okay? Last thing I wanted to go through with you, Paul, was just the you've got attached insurances to your rest super. You've got\n\nChannel 1: Yep.\n\nChannel 0: a little bit of life and disability cover. It's not much, but it's there. 400\n\nChannel 1: Mhmm.\n\nChannel 0: thousand of each.\n\nChannel 1: Yep.\n\nChannel 0: Pretty much knocks out most of the debt that you have left. It looks like you really don't have much in the way of liabilities. You've pretty well paid most everything off. Is that correct?\n\nChannel 1: Correct.\n\nChannel 0: Fantastic. So this $400 pretty much covers your last liability. As you get to the point where you're debt free, you'll come to a point where you don't even need that anymore. Are you wanting to just kind of keep in place what's there, or are you wanting to get rid of it and save the premiums? What are your\n\nChannel 1: Oh,\n\nChannel 0: thoughts\n\nChannel 1: beans.\n\nChannel 0: as far as\n\nChannel 1: I'd love to I'd love to get rid of them and save the premiums, but but I'll like, if you said it's a good idea to get rid of them, then I'd probably consider it. But I I don't really know because I just thought, oh, well, if something happens, it's $400 that'll pay off. I think one the the only mortgage we've got is about 400 and something. Maybe $4.80 or $4.50 or something like that.\n\nChannel 0: Yeah.\n\nChannel 1: Then that's it. So after that, it there's no debt on anything.\n\nChannel 0: Okay. So when it comes to life and disability insurance, you pass away 400,000, you can never work again 400,000, it'll\n\nChannel 1: Yep.\n\nChannel 0: pretty much disappear over the next few years when it hits its expiry age, and it probably isn't gonna cost you too much in premiums to keep it there even if just\n\nChannel 1: Yep.\n\nChannel 0: for three or four years or so.\n\nChannel 1: Yep.\n\nChannel 0: The one that concerns me a bit is you've got some increased income protection where you're covering yourself for 12,615 a month because you're obviously on a really good income.\n\nChannel 1: Yep.\n\nChannel 0: When I kind of work that back, let's go $12.06 15. We'll go times 12. It's protecting pretty much an income of over $200,000, but that's where you're paying the most out of your $78,000 worth of premiums, and it'll\n\nChannel 1: Yep.\n\nChannel 0: go up next year as well.\n\nChannel 1: Yep.\n\nChannel 0: So\n\nChannel 1: So\n\nChannel 0: when\n\nChannel 1: what do you\n\nChannel 0: do\n\nChannel 1: suggest?\n\nChannel 0: the protection?\n\nChannel 1: Get rid of that.\n\nChannel 0: Well, this is the question. Because you've hit your I'm just gonna be completely transparent with you. You can't replace that with another policy at your age. It's either keep it and pay for it or not. Like, there's no other insurer I can get you that would offer income protection for someone who's above the age of 60, 61.\n\nSo this is\n\nChannel 1: Yep.\n\nChannel 0: kind of your last income protection policy.\n\nChannel 1: Should I drop it down, the wage?\n\nChannel 0: Potentially,\n\nChannel 1: Would that save\n\nChannel 0: you've\n\nChannel 1: the premium?\n\nChannel 0: got you've got a waiting period of sixty days. So\n\nChannel 1: Yep.\n\nChannel 0: if you're out of work for more than two months, it'll kick in monthly for up to five years. You can extend it out to ninety days if you have the savings and assets behind you where you go, you know what? Only in the worst\n\nChannel 1: Yeah. I\n\nChannel 0: case\n\nChannel 1: can do\n\nChannel 0: longer\n\nChannel 1: that easy.\n\nChannel 0: term scenarios.\n\nChannel 1: Yeah. Yeah. Yep.\n\nChannel 0: K? So potentially sixty to ninety. And then when it comes to benefit period, you've got it for five years. It's a pretty good middle ground. The only one that's more affordable is dropping it to two years worth of benefit,\n\nChannel 1: Yep.\n\nChannel 0: which\n\nChannel 1: Yep.\n\nChannel 0: could do, but I might factor in the premiums and see if we can get a reduction quote and just see how that looks like in in five, six years' time.\n\nChannel 1: Okay.\n\nChannel 0: Because if you can afford it and still get to your goal and have\n\nChannel 1: Yeah.\n\nChannel 0: all of that\n\nChannel 1: I think\n\nChannel 0: kind of\n\nChannel 1: I could\n\nChannel 0: mix\n\nChannel 1: not\n\nChannel 0: of\n\nChannel 1: work for a year and still be okay. So\n\nChannel 0: yeah. So are you leaning towards at least keeping it for some protection,\n\nChannel 1: yeah.\n\nChannel 0: or are you thinking it's just not\n\nChannel 1: I'll\n\nChannel 0: not\n\nChannel 1: I'll\n\nChannel 0: necessary?\n\nChannel 1: I'll probably keep it, but maybe downgrade it and blow the blow the waiting time out and just do whatever we can to make it cheaper.\n\nChannel 0: Yep. I don't know if rest offers a waiting period beyond ninety days. Some funds even do twelve months or two years or something crazy\n\nChannel 1: Yep.\n\nChannel 0: like that. I'll check it, but at most, I'll just look at the ninety days, see if that'll help.\n\nChannel 1: Yep.\n\nChannel 0: K. Potentially, leave it at the five or two years. There's no point kind of doing anything other than that. And like I said, I'll factor in all the taxes, premiums, and fees to see what it looks like over the projections as well.\n\nChannel 1: Yes.\n\nChannel 0: K? I'd I wanna ask you the last one, which is trauma insurance. It's one of those ones that you have to pay out of pocket only to get some a medical lump sum if you have a heart attack, stroke, or cancer. The alternative if you don't get that fourth policy is that you're obviously relying on your family, your spouse, your savings, your assets, and the public health system. Do you have a strong need for looking for some lump sum cover if you were to be diagnosed with cancer or have a heart attack?\n\nChannel 1: Not really.\n\nChannel 0: Not really. Cool. As long as you're okay with, I guess, transferring the risk to your personal finances and your family, that's okay.\n\nChannel 1: Yep.\n\nChannel 0: K. So I've thrown a heap of information at you so far, Paul, but quick recap for you is we're gonna turn down a little bit of the risk on the super, try and optimize the returns a bit, see how that looks, alter the insurances a bit just to give you a bit of affordability and longevity on it, look at the estate planning to get all of that structure in place for your wife and the children. How is that sounding at the moment?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Cool. Is there any other areas or anything that you feel I've missed so far? Okay. Alright. So when it comes\n\nChannel 1: None.\n\nChannel 0: to those first things that we spoke about when it comes to the carry forward transition to retirement, I'm likely to hold off on that until November. With the lump sum bonus that you're getting, I would probably more be looking at a non concessional contribution and still giving you access to pull the funds out if you needed to. My last question\n\nChannel 1: Yep.\n\nChannel 0: for you, Paul, is when you get that bonus, do you know around about how much it might be and what you would wanna\n\nChannel 1: Yep.\n\nChannel 0: use it?\n\nChannel 1: It will be a 120 k.\n\nChannel 0: K. Not bad. That'll put you in a bit of a a fun tax bracket for sure. So we've got a 100\n\nChannel 1: That's\n\nChannel 0: and\n\nChannel 1: what\n\nChannel 0: 20\n\nChannel 1: I'm\n\nChannel 0: thousand\n\nChannel 1: thinking\n\nChannel 0: rand.\n\nChannel 1: about.\n\nChannel 0: What about with the the home that you're currently in at the moment? Is that gonna be your your long term?\n\nChannel 1: For the for the future.\n\nChannel 0: Yeah.\n\nChannel 1: Although, we just had my eldest daughter just bought her own house, so she's moving out in a month. So it's a pretty\n\nChannel 0: Okay.\n\nChannel 1: big house now, and two of the kids have gone. So we don't know. We could downsize, but well, again, I'm too lazy. It's it's all too hard. So it's not it's we only built the house ten years ago.\n\nSo\n\nChannel 0: Yeah.\n\nChannel 1: it's not even old.\n\nChannel 0: Okay.\n\nChannel 1: So so I'm thinking I'll stay there because, again, I'm just too lazy to go to move.\n\nChannel 0: That's fine. So I'll put a note on the file that as far as property moving from your PPR, that might be something that comes up in the next two to five years or so, but nothing that's immediate\n\nChannel 1: Yeah.\n\nChannel 0: where you need to make\n\nChannel 1: Yeah.\n\nChannel 0: a\n\nChannel 1: Yep.\n\nChannel 0: a sea change or a green change. Is that right?\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: Yep. Perfect. Perfect. Awesome, Paul. I pretty much have everything that I need for the time being.\n\nI don't think I need any more information or details. I pretty much have enough to go away and put a plan together for you. Do you have any questions for me?\n\nChannel 1: Yep. Nothing that comes to mind. No.\n\nChannel 0: K. Last thing I'll leave you with is on our website, you will find a financial services guide and an overview services guide. So this\n\nChannel 1: Yep.\n\nChannel 0: is essentially your consumer protections document. Whenever you work with an adviser, you need to receive a financial services guide. That's got our licensing information in there. It's got all the complaints procedure,\n\nChannel 1: Yeah.\n\nChannel 0: all of the things that you would need to know about us and your protections legally\n\nChannel 1: Yep.\n\nChannel 0: as well. So you've got\n\nChannel 1: Yep.\n\nChannel 0: Oatview, our license, which we're self licensed because we're able to essentially recommend any products that we research, and then you've got the ombudsman and the government bodies in there as well.\n\nChannel 1: Okay.\n\nChannel 0: As\n\nChannel 1: No\n\nChannel 0: a\n\nChannel 1: worries.\n\nChannel 0: quick explanation of myself, so as the senior adviser, I've been in the industry for about twelve years now. You'll find in that services guide my authorized representative number with ASIC, and, essentially,\n\nChannel 1: Yep.\n\nChannel 0: it'll tell you on the government register all of my history through the industry. So you can kind of follow\n\nChannel 1: Okay.\n\nChannel 0: me along in the companies\n\nChannel 1: Yep.\n\nChannel 0: I've worked at.\n\nChannel 1: Okay.\n\nChannel 0: Now I've essentially been advising for almost twelve years now from the beginning.\n\nChannel 1: Yep.\n\nChannel 0: I've spent three years training advisers and only just recently gotten back on the tools because I kinda miss talking\n\nChannel 1: Okay.\n\nChannel 0: to people like yourself.\n\nChannel 1: Yep.\n\nChannel 0: So I will pretty much be looking after you with a team of advisers and Sevier, our director as well. And,\n\nChannel 1: Yep.\n\nChannel 0: yeah, just have a look if you've got a minute to go on the website for Oakview Financial.\n\nChannel 1: Hello.\n\nChannel 0: You can\n\nChannel 1: Yep.\n\nChannel 0: see a lot more about us as well between now\n\nChannel 1: Uh-huh.\n\nChannel 0: and Friday.\n\nChannel 1: Yep. No worries.\n\nChannel 0: Awesome, Paul. Thank you so much\n\nChannel 1: Thanks,\n\nChannel 0: for your time,\n\nChannel 1: Tommy.\n\nChannel 0: sir. I'll\n\nChannel 1: No\n\nChannel 0: dive\n\nChannel 1: worries.\n\nChannel 0: in and\n\nChannel 1: Thank you.\n\nChannel 0: research,\n\nChannel 1: Okay.\n\nChannel 0: and\n\nChannel 1: No worries.\n\nChannel 0: talk to you Friday.\n\nChannel 1: Okay. Thanks, Tommy. See\n\nChannel 0: See\n\nChannel 1: you.\n\nChannel 0: you later. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.8399999,"end":2.24,"sentiment":"neutral","sentiment_score":0.03431156277656555},{"text":"You've reached Tommy.","start":2.24,"end":3.22,"sentiment":"neutral","sentiment_score":0.05256287008523941}],"sentiment":"neutral","sentiment_score":0.048000043258070946,"channel":0,"num_words":4,"start":1.8399999,"end":3.22},{"sentences":[{"text":"Hey, Tommy.","start":3.6799998,"end":4.24,"sentiment":"neutral","sentiment_score":0.13912993669509888},{"text":"It's Adrian.","start":4.24,"end":5.2,"sentiment":"neutral","sentiment_score":0.1644136607646942},{"text":"How are you?","start":5.2,"end":6.02,"sentiment":"neutral","sentiment_score":0.203683540225029}],"sentiment":"neutral","sentiment_score":0.17401968794209616,"channel":1,"num_words":7,"start":3.6799998,"end":6.02},{"sentences":[{"text":"I'm good, Fabian.","start":6.08,"end":6.7999997,"sentiment":"positive","sentiment_score":0.5411066015561422},{"text":"How are you doing, mate?","start":6.7999997,"end":8.1,"sentiment":"positive","sentiment_score":0.35176862478256227}],"sentiment":"positive","sentiment_score":0.4227703660726547,"channel":0,"num_words":8,"start":6.08,"end":8.1},{"sentences":[{"text":"Hey.","start":8.16,"end":8.48,"sentiment":"neutral","sentiment_score":0.1604471504688263},{"text":"Good, mate.","start":8.48,"end":9.22,"sentiment":"neutral","sentiment_score":0.31227603554725647},{"text":"Did you get the spreadsheet I shared for with you for Paul Moretti?","start":9.28,"end":13.62,"sentiment":"neutral","sentiment_score":0.10871484703742541}],"sentiment":"neutral","sentiment_score":0.13739326456561685,"channel":1,"num_words":16,"start":8.16,"end":13.62},{"sentences":[{"text":"Yeah.","start":14.655001,"end":14.895,"sentiment":"neutral","sentiment_score":0.08067411184310913},{"text":"Yeah.","start":14.895,"end":15.135,"sentiment":"neutral","sentiment_score":0.120484821498394},{"text":"Just got a couple of messages from Savvy, and I've just gotten this shared spreadsheet from Paul.","start":15.135,"end":20.515,"sentiment":"neutral","sentiment_score":0.2210526299827239},{"text":"We've","start":21.135,"end":21.455,"sentiment":"positive","sentiment_score":0.4363770484924317}],"sentiment":"neutral","sentiment_score":0.21977153457701207,"channel":0,"num_words":20,"start":14.655001,"end":21.455},{"sentences":[{"text":"Perfect.","start":21.295,"end":21.795,"sentiment":"positive","sentiment_score":0.5860379338264465}],"sentiment":"positive","sentiment_score":0.5860379338264465,"channel":1,"num_words":1,"start":21.295,"end":21.795},{"sentences":[{"text":"got all the assets and on the goals and all that fun stuff.","start":21.455,"end":25.555,"sentiment":"positive","sentiment_score":0.5608026706255399},{"text":"Fantastic.","start":25.615,"end":26.115,"sentiment":"positive","sentiment_score":0.623153567314148}],"sentiment":"positive","sentiment_score":0.5652563061032977,"channel":0,"num_words":14,"start":21.455,"end":26.115},{"sentences":[{"text":"Yep.","start":26.015,"end":26.515,"sentiment":"neutral","sentiment_score":0.29645583033561707},{"text":"So a couple of notes.","start":27.055,"end":28.29,"sentiment":"neutral","sentiment_score":0.13236022889614105},{"text":"His big priority is one, what can I do to minimize my tax between now and retirement?","start":28.53,"end":32.79,"sentiment":"neutral","sentiment_score":0.10319050489103093},{"text":"I just said, given your age and everything, I'll look at what's called the transition to retirement.","start":33.010002,"end":38.15,"sentiment":"neutral","sentiment_score":0.04941847131532781}],"sentiment":"neutral","sentiment_score":0.08881523925811052,"channel":1,"num_words":40,"start":26.015,"end":38.15},{"sentences":[{"text":"Yep.","start":38.79,"end":39.255,"sentiment":"neutral","sentiment_score":0.17597782611846924}],"sentiment":"neutral","sentiment_score":0.17597782611846924,"channel":0,"num_words":1,"start":38.79,"end":39.255},{"sentences":[{"text":"That'll be a really good strategy for you.","start":39.49,"end":41.91,"sentiment":"neutral","sentiment_score":0.28588767163455486},{"text":"We talked about risk, and he's like, look, honestly, soup if super crashes, I still got plenty of other things.","start":41.97,"end":50.355,"sentiment":"neutral","sentiment_score":0.03767465092241764},{"text":"I'm happy to take on a bit more risk to maximize my growth.","start":50.355,"end":53.635,"sentiment":"neutral","sentiment_score":0.16727775163375413},{"text":"And I said for your age, the adviser is probably not keen to increase your risk.","start":53.635,"end":57.655,"sentiment":"neutral","sentiment_score":-0.02453260449692607},{"text":"They might be okay to look at a similar risk to what you're doing, but I'll let them discuss","start":57.74,"end":61.739998,"sentiment":"neutral","sentiment_score":0.031014367741973775}],"sentiment":"neutral","sentiment_score":0.07120995365671422,"channel":1,"num_words":76,"start":39.49,"end":61.739998},{"sentences":[{"text":"Yeah.","start":61.43,"end":61.93,"sentiment":"neutral","sentiment_score":0.09186133742332458}],"sentiment":"neutral","sentiment_score":0.09186133742332458,"channel":0,"num_words":1,"start":61.43,"end":61.93},{"sentences":[{"text":"it with you and work out what's right for you.","start":61.739998,"end":64.16,"sentiment":"neutral","sentiment_score":0.13152281194925308}],"sentiment":"neutral","sentiment_score":0.13152281194925308,"channel":1,"num_words":10,"start":61.739998,"end":64.16},{"sentences":[{"text":"Perfect.","start":64.325,"end":64.805,"sentiment":"neutral","sentiment_score":0.19353455305099487},{"text":"Do you guys do any with these ones, if has anyone done, like, any risk profile type thing, or is that for me 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into?","start":70.245,"end":70.985,"sentiment":"neutral","sentiment_score":0.017676553688943386}],"sentiment":"neutral","sentiment_score":0.017676553688943386,"channel":0,"num_words":2,"start":70.245,"end":70.985},{"sentences":[{"text":"no, the risk profile should be filled out there on the bottom usually.","start":70.805,"end":74.585,"sentiment":"neutral","sentiment_score":0.033048572162022956},{"text":"Is it on 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got","start":297.82,"end":298.38,"sentiment":"neutral","sentiment_score":0.04279492422938347}],"sentiment":"neutral","sentiment_score":0.07747639171206035,"channel":1,"num_words":13,"start":288.495,"end":298.38},{"sentences":[{"text":"Yep.","start":298.36502,"end":298.86502,"sentiment":"neutral","sentiment_score":0.02910440228879452}],"sentiment":"neutral","sentiment_score":0.02910440228879452,"channel":0,"num_words":1,"start":298.36502,"end":298.86502},{"sentences":[{"text":"some like, we've got other things that are going on that, you know so I've got figure, well, I might as well just try and max out my super.","start":298.38,"end":310.27502,"sentiment":"neutral","sentiment_score":0.0028831295444276825},{"text":"I have a bit of risk.","start":312.015,"end":312.975,"sentiment":"neutral","sentiment_score":-0.16211620718240738},{"text":"I don't I don't wanna lose it all, but, yeah, I might as well try and go for a bit of growth.","start":312.975,"end":319.71503,"sentiment":"neutral","sentiment_score":-0.06679610010575164}],"sentiment":"neutral","sentiment_score":-0.041378959449694344,"channel":1,"num_words":57,"start":298.38,"end":319.71503},{"sentences":[{"text":"Absolutely.","start":320.555,"end":321.055,"sentiment":"neutral","sentiment_score":0.17135438323020935},{"text":"So when I look back about the income needs for retirement, we were talking about a goal of 3 to 4,000 per week.","start":321.515,"end":329.215,"sentiment":"neutral","sentiment_score":0.13216022013322168}],"sentiment":"neutral","sentiment_score":0.13379331026226282,"channel":0,"num_words":24,"start":320.555,"end":329.215},{"sentences":[{"text":"Yeah.","start":330.12,"end":330.62,"sentiment":"neutral","sentiment_score":0.1698939949274063}],"sentiment":"neutral","sentiment_score":0.1698939949274063,"channel":1,"num_words":1,"start":330.12,"end":330.62},{"sentences":[{"text":"Now, ideally, it would be nice if you can get that mainly just from the superannuation, but you do have really good income and pretty good assets as well.","start":330.33,"end":338.66998,"sentiment":"positive","sentiment_score":0.3770571217454713},{"text":"Are you hoping to achieve that just from the super loan, kind of self fund it from that?","start":338.81,"end":343.335,"sentiment":"neutral","sentiment_score":0.24271593905157512}],"sentiment":"neutral","sentiment_score":0.3256073070967451,"channel":0,"num_words":47,"start":330.33,"end":343.335},{"sentences":[{"text":"No.","start":344.545,"end":344.785,"sentiment":"neutral","sentiment_score":-0.11983010917901991},{"text":"No.","start":344.785,"end":345.025,"sentiment":"neutral","sentiment_score":-0.13186129927635193},{"text":"Because that more I've got rental rent rents coming in as well.","start":345.025,"end":349.685,"sentiment":"neutral","sentiment_score":-0.08215291084100802}],"sentiment":"neutral","sentiment_score":-0.0883947384676763,"channel":1,"num_words":14,"start":344.545,"end":349.685},{"sentences":[{"text":"Yep.","start":350.13498,"end":350.63498,"sentiment":"neutral","sentiment_score":0.1888785809278488}],"sentiment":"neutral","sentiment_score":0.1888785809278488,"channel":0,"num_words":1,"start":350.13498,"end":350.63498},{"sentences":[{"text":"So I can get some out of that and and super, and I've got my messages cheaper as well.","start":351.85,"end":359.55002,"sentiment":"neutral","sentiment_score":0.3288448884298927},{"text":"So yeah.","start":359.85,"end":362.57,"sentiment":"neutral","sentiment_score":0.12425202876329422},{"text":"But I mean, obviously, the more I've got, the more I can spend.","start":362.57,"end":365.31,"sentiment":"neutral","sentiment_score":0.09737640791214429}],"sentiment":"neutral","sentiment_score":0.2283073600162478,"channel":1,"num_words":34,"start":351.85,"end":365.31},{"sentences":[{"text":"Perfect.","start":366.23,"end":366.55002,"sentiment":"positive","sentiment_score":0.5824450254440308},{"text":"Perfect.","start":366.55002,"end":366.95,"sentiment":"neutral","sentiment_score":0.20419223606586456},{"text":"So the way I look at it when it comes to longevity of your funds when you're in retirement is you need to be able to pull out a small enough amount that you're not gonna deplete it too quickly.","start":366.95,"end":377.805,"sentiment":"neutral","sentiment_score":0.13549350742250682},{"text":"K?","start":378.42502,"end":378.92502,"sentiment":"neutral","sentiment_score":0.1164591908454895}],"sentiment":"neutral","sentiment_score":0.14704271509896877,"channel":0,"num_words":43,"start":366.23,"end":378.92502},{"sentences":[{"text":"Yep.","start":378.47998,"end":378.97998,"sentiment":"neutral","sentiment_score":0.30935728549957275}],"sentiment":"neutral","sentiment_score":0.30935728549957275,"channel":1,"num_words":1,"start":378.47998,"end":378.97998},{"sentences":[{"text":"So let's say you've got today you retire, you've got a million dollars in super as an example.","start":379.225,"end":383.725,"sentiment":"neutral","sentiment_score":0.2951845626036326},{"text":"If you pull out, say, 5% and you keep it in something nice and conservative, you can pretty much generate a four to 5% return to recoup what you take out of it, if that makes sense.","start":384.19998,"end":394.22,"sentiment":"positive","sentiment_score":0.50084308031443}],"sentiment":"positive","sentiment_score":0.43353665633635086,"channel":0,"num_words":55,"start":379.225,"end":394.22},{"sentences":[{"text":"Yep.","start":394.295,"end":394.615,"sentiment":"neutral","sentiment_score":0.28627899289131165},{"text":"Yep.","start":394.615,"end":395.115,"sentiment":"neutral","sentiment_score":0.27756908535957336}],"sentiment":"neutral","sentiment_score":0.2819240391254425,"channel":1,"num_words":2,"start":394.295,"end":395.115},{"sentences":[{"text":"So what that really leans you towards is based on the mill that you currently have, you're looking at about 50 to a 100,000 that you could take out if you were to retire today as an example.","start":395.0,"end":404.84497,"sentiment":"neutral","sentiment_score":0.26938849138586146}],"sentiment":"neutral","sentiment_score":0.26938849138586146,"channel":0,"num_words":38,"start":395.0,"end":404.84497},{"sentences":[{"text":"Yeah.","start":405.59,"end":406.09,"sentiment":"neutral","sentiment_score":0.26207250356674194}],"sentiment":"neutral","sentiment_score":0.26207250356674194,"channel":1,"num_words":1,"start":405.59,"end":406.09},{"sentences":[{"text":"So if you build it up a bit further over the next five to six years, let's say you try and push it from 1,000,000 to maybe out 1.5, 1.5,","start":406.82498,"end":415.75998,"sentiment":"neutral","sentiment_score":0.22659921795129775}],"sentiment":"neutral","sentiment_score":0.22659921795129775,"channel":0,"num_words":30,"start":406.82498,"end":415.75998},{"sentences":[{"text":"Yeah.","start":415.50998,"end":416.00998,"sentiment":"positive","sentiment_score":0.34625008702278137}],"sentiment":"positive","sentiment_score":0.34625008702278137,"channel":1,"num_words":1,"start":415.50998,"end":416.00998},{"sentences":[{"text":"1.6, you could safely generate 75 to a 100,000 just from your super without depleting it too quickly.","start":415.75998,"end":423.46,"sentiment":"positive","sentiment_score":0.35569685738947654}],"sentiment":"positive","sentiment_score":0.35569685738947654,"channel":0,"num_words":18,"start":415.75998,"end":423.46},{"sentences":[{"text":"Yep.","start":423.475,"end":423.975,"sentiment":"neutral","sentiment_score":0.27287715673446655},{"text":"Yep.","start":424.435,"end":424.935,"sentiment":"neutral","sentiment_score":0.27476608753204346}],"sentiment":"neutral","sentiment_score":0.273821622133255,"channel":1,"num_words":2,"start":423.475,"end":424.935},{"sentences":[{"text":"So let's call it kind of just over half of that retirement goal just purely from your super.","start":424.8,"end":430.18,"sentiment":"neutral","sentiment_score":0.3290829004512893},{"text":"Add in your partner's super, add in the other rents, and you should be okay.","start":430.35498,"end":434.29498,"sentiment":"neutral","sentiment_score":0.3239473561445872},{"text":"Now just","start":436.675,"end":437.315,"sentiment":"neutral","sentiment_score":0.20474518835544586}],"sentiment":"neutral","sentiment_score":0.31977694077151164,"channel":0,"num_words":35,"start":424.8,"end":437.315},{"sentences":[{"text":"Yep.","start":437.16998,"end":437.66998,"sentiment":"neutral","sentiment_score":0.1501920521259308}],"sentiment":"neutral","sentiment_score":0.1501920521259308,"channel":1,"num_words":1,"start":437.16998,"end":437.66998},{"sentences":[{"text":"to kind of tie it all in together, with the incomes that you're currently generating, because you've got the factory, the house, the investment property, do Do you have a just to figure off the top of your head about how much that's currently generating in either gross cash flow or net cash cash flow?","start":437.315,"end":453.29,"sentiment":"neutral","sentiment_score":0.08560458089817655}],"sentiment":"neutral","sentiment_score":0.08560458089817655,"channel":0,"num_words":55,"start":437.315,"end":453.29},{"sentences":[{"text":"Okay.","start":455.275,"end":455.775,"sentiment":"neutral","sentiment_score":0.03782055526971817},{"text":"So two rents and that probably generates probably about 5,300 a month.","start":455.91498,"end":465.38998,"sentiment":"neutral","sentiment_score":0.05124418002863725}],"sentiment":"neutral","sentiment_score":0.0502115935087204,"channel":1,"num_words":13,"start":455.275,"end":465.38998},{"sentences":[{"text":"Yep.","start":465.76498,"end":466.26498,"sentiment":"neutral","sentiment_score":0.1042826771736145}],"sentiment":"neutral","sentiment_score":0.1042826771736145,"channel":0,"num_words":1,"start":465.76498,"end":466.26498},{"sentences":[{"text":"Yep.","start":467.61,"end":468.11,"sentiment":"neutral","sentiment_score":0.07987105846405029}],"sentiment":"neutral","sentiment_score":0.07987105846405029,"channel":1,"num_words":1,"start":467.61,"end":468.11},{"sentences":[{"text":"K.","start":469.22,"end":469.72,"sentiment":"neutral","sentiment_score":0.05860165134072304},{"text":"5,300 a month coming out of there.","start":469.94,"end":472.74002,"sentiment":"neutral","sentiment_score":0.0746980288199016},{"text":"And just so I can kind of factor it in, how much super does your partner have?","start":472.74002,"end":476.92,"sentiment":"neutral","sentiment_score":0.05856525295359247}],"sentiment":"neutral","sentiment_score":0.06308388613164424,"channel":0,"num_words":25,"start":469.22,"end":476.92},{"sentences":[{"text":"I think 400.","start":478.575,"end":479.875,"sentiment":"neutral","sentiment_score":0.020213094850381214}],"sentiment":"neutral","sentiment_score":0.020213094850381214,"channel":1,"num_words":3,"start":478.575,"end":479.875},{"sentences":[{"text":"K.","start":482.035,"end":482.535,"sentiment":"neutral","sentiment_score":0.02926955744624138},{"text":"400,000.","start":482.595,"end":484.455,"sentiment":"neutral","sentiment_score":0.0560266375541687},{"text":"So, realistically, if we can get you guys both combined to a little bit over 2,000,000, you should be there by the age of 67.","start":485.315,"end":493.415,"sentiment":"neutral","sentiment_score":0.17005060970783234}],"sentiment":"neutral","sentiment_score":0.16061338658134142,"channel":0,"num_words":27,"start":482.035,"end":493.415},{"sentences":[{"text":"Yep.","start":494.35,"end":494.85,"sentiment":"neutral","sentiment_score":0.08291076123714447}],"sentiment":"neutral","sentiment_score":0.08291076123714447,"channel":1,"num_words":1,"start":494.35,"end":494.85},{"sentences":[{"text":"K?","start":495.62,"end":496.1,"sentiment":"neutral","sentiment_score":0.04379797354340553},{"text":"And then you've got about 63,000 coming in in rents over there.","start":496.1,"end":499.63998,"sentiment":"neutral","sentiment_score":0.06759889905030529},{"text":"That should pretty much be the goal.","start":500.18,"end":501.69998,"sentiment":"positive","sentiment_score":0.5368343847138541},{"text":"Would you agree?","start":501.69998,"end":502.52,"sentiment":"neutral","sentiment_score":0.21055059134960175}],"sentiment":"neutral","sentiment_score":0.22802074909534142,"channel":0,"num_words":23,"start":495.62,"end":502.52},{"sentences":[{"text":"Yep.","start":503.435,"end":503.935,"sentiment":"neutral","sentiment_score":0.1869826018810272}],"sentiment":"neutral","sentiment_score":0.1869826018810272,"channel":1,"num_words":1,"start":503.435,"end":503.935},{"sentences":[{"text":"Yep.","start":504.18,"end":504.58,"sentiment":"neutral","sentiment_score":0.31623315811157227},{"text":"Perfect.","start":504.58,"end":504.97998,"sentiment":"positive","sentiment_score":0.7866492867469788},{"text":"Perfect.","start":504.97998,"end":505.47998,"sentiment":"positive","sentiment_score":0.738580584526062},{"text":"When it comes to TTR strategies, people talk about transition to retirement.","start":506.11502,"end":510.215,"sentiment":"neutral","sentiment_score":0.29405126720666885},{"text":"You've gone through this process a little bit before.","start":511.315,"end":513.955,"sentiment":"neutral","sentiment_score":0.13975511408514446}],"sentiment":"neutral","sentiment_score":0.2761614276096225,"channel":0,"num_words":24,"start":504.18,"end":513.955},{"sentences":[{"text":"When was the last time that you've kind of looked through and talked to an adviser or somebody about what to do with your super?","start":513.955,"end":519.41504,"sentiment":"neutral","sentiment_score":0.049720562398433685}],"sentiment":"neutral","sentiment_score":0.049720562398433685,"channel":0,"num_words":25,"start":513.955,"end":519.41504},{"sentences":[{"text":"Well, I asked my accountant because I had this mob.","start":521.19,"end":524.79,"sentiment":"neutral","sentiment_score":-0.10809430256485938},{"text":"I can't remember what they were.","start":524.79,"end":526.41,"sentiment":"neutral","sentiment_score":-0.19114889949560165},{"text":"They could take we'll we'll take it out and we'll get better returns and all that and said, no.","start":526.70996,"end":531.58997,"sentiment":"neutral","sentiment_score":-0.15469182792462802},{"text":"Don't even bother.","start":531.58997,"end":532.57,"sentiment":"neutral","sentiment_score":-0.29882435003916424},{"text":"So that was when I did an attack, which was, I don't know, three or four months ago.","start":535.835,"end":541.695,"sentiment":"neutral","sentiment_score":-0.14460714368356598}],"sentiment":"neutral","sentiment_score":-0.15475683552878244,"channel":1,"num_words":56,"start":521.19,"end":541.695},{"sentences":[{"text":"Yep.","start":542.235,"end":542.735,"sentiment":"neutral","sentiment_score":0.03751692175865173},{"text":"K.","start":543.355,"end":543.835,"sentiment":"neutral","sentiment_score":0.03069116361439228}],"sentiment":"neutral","sentiment_score":0.03410404268652201,"channel":0,"num_words":2,"start":542.235,"end":543.835},{"sentences":[{"text":"Yep.","start":543.515,"end":544.015,"sentiment":"neutral","sentiment_score":0.06741748750209808}],"sentiment":"neutral","sentiment_score":0.06741748750209808,"channel":1,"num_words":1,"start":543.515,"end":544.015},{"sentences":[{"text":"And did they talk you through how a transition strategy works at 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way.","start":557.64996,"end":567.495,"sentiment":"neutral","sentiment_score":0.2659956645220518}],"sentiment":"neutral","sentiment_score":0.22293682620560717,"channel":0,"num_words":59,"start":549.41,"end":567.495},{"sentences":[{"text":"Yep.","start":568.455,"end":568.955,"sentiment":"neutral","sentiment_score":0.19817277789115903}],"sentiment":"neutral","sentiment_score":0.19817277789115903,"channel":1,"num_words":1,"start":568.455,"end":568.955},{"sentences":[{"text":"So, essentially, super tax at 15%.","start":569.315,"end":571.735,"sentiment":"neutral","sentiment_score":0.2221558690071106},{"text":"You've got a pretty big income, though, and the split between your base and your gross income, a 185,000 base, 230,000 gross income.","start":571.795,"end":582.6,"sentiment":"neutral","sentiment_score":0.1906511304171189},{"text":"Is that just a bit of a bump up from, like, overtime and things like that or 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you?","start":599.715,"end":604.69,"sentiment":"neutral","sentiment_score":-0.01743551390245557}],"sentiment":"neutral","sentiment_score":0.02868640592528714,"channel":0,"num_words":45,"start":589.155,"end":604.69},{"sentences":[{"text":"Right.","start":606.38,"end":606.77997,"sentiment":"neutral","sentiment_score":0.10909183323383333},{"text":"Okay.","start":606.77997,"end":607.18,"sentiment":"neutral","sentiment_score":0.145840585231781},{"text":"So does that mean because I'm gonna get a like a fairly large bonus this year,","start":607.18,"end":612.24,"sentiment":"neutral","sentiment_score":0.25198431964963675}],"sentiment":"neutral","sentiment_score":0.2381489740477668,"channel":1,"num_words":18,"start":606.38,"end":612.24},{"sentences":[{"text":"Mhmm.","start":612.82996,"end":613.32996,"sentiment":"neutral","sentiment_score":0.11318323761224748}],"sentiment":"neutral","sentiment_score":0.11318323761224748,"channel":0,"num_words":1,"start":612.82996,"end":613.32996},{"sentences":[{"text":"which will be November this year.","start":613.74,"end":615.92,"sentiment":"neutral","sentiment_score":0.09755245720346768},{"text":"Can","start":616.38,"end":616.7,"sentiment":"neutral","sentiment_score":0.1353914737701416}],"sentiment":"neutral","sentiment_score":0.10295803099870682,"channel":1,"num_words":7,"start":613.74,"end":616.7},{"sentences":[{"text":"Okay.","start":616.445,"end":616.945,"sentiment":"neutral","sentiment_score":0.15391165018081665}],"sentiment":"neutral","sentiment_score":0.15391165018081665,"channel":0,"num_words":1,"start":616.445,"end":616.945},{"sentences":[{"text":"I put a shitload of it into super?","start":616.7,"end":618.8,"sentiment":"neutral","sentiment_score":0.09432951267808676}],"sentiment":"neutral","sentiment_score":0.09432951267808676,"channel":1,"num_words":8,"start":616.7,"end":618.8},{"sentences":[{"text":"Potentially, 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me.","start":894.88,"end":898.9,"sentiment":"negative","sentiment_score":-0.7145608961582184}],"sentiment":"negative","sentiment_score":-0.5473584753274917,"channel":1,"num_words":25,"start":886.72,"end":898.9},{"sentences":[{"text":"Yep.","start":900.90497,"end":901.385,"sentiment":"neutral","sentiment_score":-0.15041524171829224},{"text":"You're in that position where most tax people in the country are high wage earners, and you get lumped in the category where people call you the mega rich, the 1%, and you get caught with all the taxes.","start":901.385,"end":912.285,"sentiment":"neutral","sentiment_score":-0.1827470749998704}],"sentiment":"neutral","sentiment_score":-0.18193877916783094,"channel":0,"num_words":40,"start":900.90497,"end":912.285},{"sentences":[{"text":"Yeah.","start":914.36005,"end":914.60004,"sentiment":"neutral","sentiment_score":-0.051755234599113464},{"text":"It's 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what am I looking for here?","start":946.3,"end":948.4,"sentiment":"neutral","sentiment_score":0.008290597370692663}],"sentiment":"neutral","sentiment_score":0.0053403578931465745,"channel":1,"num_words":8,"start":944.38,"end":948.4},{"sentences":[{"text":"I'm actually gonna bring mine up just so I can kind of show you as well.","start":949.095,"end":953.915,"sentiment":"neutral","sentiment_score":0.1052580620162189},{"text":"Just bear with me for a quick moment.","start":954.535,"end":956.235,"sentiment":"neutral","sentiment_score":0.044052754528820515},{"text":"Basically looking to try and get onto the super section of it, and there should be a button saying unused cap.","start":956.375,"end":961.755,"sentiment":"neutral","sentiment_score":0.03108748234808445},{"text":"I'll kinda show you.","start":961.895,"end":963.115,"sentiment":"neutral","sentiment_score":0.05008558742702007},{"text":"And are you in the tax office section of 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that's a little bit on the low side.","start":987.53503,"end":990.755,"sentiment":"neutral","sentiment_score":-0.04667039530781599}],"sentiment":"neutral","sentiment_score":0.017121010459959507,"channel":0,"num_words":30,"start":977.695,"end":990.755},{"sentences":[{"text":"Although, yeah, that's although that's thirtieth of the sixth, so that's that's, you know, eight months ago.","start":992.205,"end":1003.51996,"sentiment":"neutral","sentiment_score":-0.022467296543147636}],"sentiment":"neutral","sentiment_score":-0.022467296543147636,"channel":1,"num_words":17,"start":992.205,"end":1003.51996},{"sentences":[{"text":"Perfect.","start":1004.78503,"end":1005.28503,"sentiment":"neutral","sentiment_score":0.267286479473114},{"text":"So you know the little menu button at the top left of three 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then carry forward concessional contributions.","start":1023.93,"end":1026.75,"sentiment":"neutral","sentiment_score":0.03630302535990874}],"sentiment":"neutral","sentiment_score":0.03630302535990874,"channel":0,"num_words":6,"start":1023.93,"end":1026.75},{"sentences":[{"text":"Okay.","start":1029.89,"end":1030.39,"sentiment":"neutral","sentiment_score":0.05814832821488381},{"text":"Okay.","start":1035.4851,"end":1035.885,"sentiment":"neutral","sentiment_score":0.05529361218214035},{"text":"So so then I did pick up financial year.","start":1035.885,"end":1040.0651,"sentiment":"neutral","sentiment_score":0.08045831032925183}],"sentiment":"neutral","sentiment_score":0.07614243030548096,"channel":1,"num_words":11,"start":1029.89,"end":1040.0651},{"sentences":[{"text":"Yep.","start":1040.345,"end":1040.5851,"sentiment":"neutral","sentiment_score":0.08461818099021912},{"text":"Is it currently set to 2526 on your 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extra step of getting it signed on paper with two people witnessing it.","start":1225.145,"end":1231.005,"sentiment":"neutral","sentiment_score":0.17040309123694897}],"sentiment":"neutral","sentiment_score":0.21921375071009,"channel":0,"num_words":30,"start":1222.665,"end":1231.005},{"sentences":[{"text":"Yeah.","start":1231.6901,"end":1232.1901,"sentiment":"neutral","sentiment_score":0.2758003771305084}],"sentiment":"neutral","sentiment_score":0.2758003771305084,"channel":1,"num_words":1,"start":1231.6901,"end":1232.1901},{"sentences":[{"text":"So that's the first thing I'm gonna recommend is that we get your estate plan lined up that way.","start":1233.16,"end":1238.3,"sentiment":"positive","sentiment_score":0.41927790171221685},{"text":"How's everything looking in terms of, like, will, power of attorney, and so 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fixed up.","start":1291.24,"end":1292.84,"sentiment":"neutral","sentiment_score":0.0045505741404162515},{"text":"Have you got a lawyer that you use?","start":1292.84,"end":1294.46,"sentiment":"neutral","sentiment_score":0.011404366232454777}],"sentiment":"neutral","sentiment_score":0.008579794938365618,"channel":0,"num_words":18,"start":1290.9199,"end":1294.46},{"sentences":[{"text":"No.","start":1297.105,"end":1297.425,"sentiment":"neutral","sentiment_score":-0.18915370106697085},{"text":"I haven't used it for ages.","start":1297.425,"end":1299.285,"sentiment":"neutral","sentiment_score":-0.1918137123187383},{"text":"So if we did have one, we don't anymore.","start":1299.425,"end":1301.525,"sentiment":"neutral","sentiment_score":-0.18226346207989585},{"text":"So","start":1301.665,"end":1302.165,"sentiment":"neutral","sentiment_score":-0.0617544949054718}],"sentiment":"neutral","sentiment_score":-0.1789506840355256,"channel":1,"num_words":17,"start":1297.105,"end":1302.165},{"sentences":[{"text":"Okay.","start":1302.855,"end":1303.355,"sentiment":"neutral","sentiment_score":-0.01058906689286232},{"text":"You do have alternatives.","start":1303.4149,"end":1304.5549,"sentiment":"neutral","sentiment_score":-0.00392856914550066},{"text":"So I'll go basic to advance for a moment.","start":1304.855,"end":1307.6749,"sentiment":"neutral","sentiment_score":0.06064402891529931},{"text":"If you get a basic will kit or power of attorney from the post office, they're separate.","start":1307.975,"end":1312.955,"sentiment":"neutral","sentiment_score":0.005017400993143811},{"text":"They're, like, $25 from Oz 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state.","start":1323.26,"end":1327.1,"sentiment":"neutral","sentiment_score":0.13636814057826996},{"text":"You know, when you go to the courts, they can also do wills similar to a","start":1327.1,"end":1332.125,"sentiment":"neutral","sentiment_score":0.13946950901299715}],"sentiment":"neutral","sentiment_score":0.13807924040432634,"channel":0,"num_words":29,"start":1323.26,"end":1332.125},{"sentences":[{"text":"Yes.","start":1331.975,"end":1332.475,"sentiment":"neutral","sentiment_score":0.1675620675086975}],"sentiment":"neutral","sentiment_score":0.1675620675086975,"channel":1,"num_words":1,"start":1331.975,"end":1332.475},{"sentences":[{"text":"solicitor as well.","start":1332.125,"end":1333.085,"sentiment":"neutral","sentiment_score":0.17031076550483704},{"text":"So it really is about how much you wanna pay there.","start":1333.085,"end":1335.325,"sentiment":"neutral","sentiment_score":0.1876631731336767},{"text":"Do you wanna just go to the courthouse, set up an appointment, and put a updated will in place, or do you wanna actually go through with a solicitor and set up things like a have you heard of a testamentary trust before?","start":1335.325,"end":1347.38,"sentiment":"neutral","sentiment_score":0.07478907336156036}],"sentiment":"neutral","sentiment_score":0.10159925185143948,"channel":0,"num_words":57,"start":1332.125,"end":1347.38},{"sentences":[{"text":"No.","start":1348.2301,"end":1348.7301,"sentiment":"neutral","sentiment_score":-0.026919998228549957}],"sentiment":"neutral","sentiment_score":-0.026919998228549957,"channel":1,"num_words":1,"start":1348.2301,"end":1348.7301},{"sentences":[{"text":"K.","start":1349.36,"end":1349.76,"sentiment":"neutral","sentiment_score":-0.021507244557142258},{"text":"So because you have adult children, one of the things that people do in your position is you put in place a will where everyone talks about trust funds at your income level.","start":1349.76,"end":1359.62,"sentiment":"neutral","sentiment_score":0.04015188929483746},{"text":"You don't have to set one up while you're alive.","start":1359.9349,"end":1362.655,"sentiment":"neutral","sentiment_score":0.06483631394803524},{"text":"You can have one that triggers with the will.","start":1362.655,"end":1364.755,"sentiment":"neutral","sentiment_score":0.103333231061697},{"text":"So for example, trust fund gets established a testamentary trust.","start":1365.0549,"end":1369.455,"sentiment":"neutral","sentiment_score":0.05548555161803961}],"sentiment":"neutral","sentiment_score":0.05455115614902405,"channel":0,"num_words":63,"start":1349.36,"end":1369.455},{"sentences":[{"text":"You pass away, your partner passes away, and then all of a sudden, a family trust absorbs all of your assets.","start":1369.455,"end":1375.395,"sentiment":"neutral","sentiment_score":0.015012989796343305},{"text":"It doesn't","start":1375.92,"end":1376.3201,"sentiment":"neutral","sentiment_score":0.05332978814840317}],"sentiment":"neutral","sentiment_score":0.018344885305218075,"channel":0,"num_words":23,"start":1369.455,"end":1376.3201},{"sentences":[{"text":"Yes.","start":1376.26,"end":1376.76,"sentiment":"neutral","sentiment_score":0.050599098205566406}],"sentiment":"neutral","sentiment_score":0.050599098205566406,"channel":1,"num_words":1,"start":1376.26,"end":1376.76},{"sentences":[{"text":"trigger capital gains, tax events, and things like that, and then you can distribute out funds to minor children under 18, adult children above 18, and just be a little bit more strategic about what happens with your assets.","start":1376.3201,"end":1390.3401,"sentiment":"neutral","sentiment_score":0.0557629713931909}],"sentiment":"neutral","sentiment_score":0.0557629713931909,"channel":0,"num_words":39,"start":1376.3201,"end":1390.3401},{"sentences":[{"text":"Okay.","start":1391.115,"end":1391.615,"sentiment":"neutral","sentiment_score":0.05000786483287811}],"sentiment":"neutral","sentiment_score":0.05000786483287811,"channel":1,"num_words":1,"start":1391.115,"end":1391.615},{"sentences":[{"text":"So one of the big things for you isn't even necessarily trying to eke out as many dollars as you can in your super at the moment.","start":1392.6549,"end":1401.615,"sentiment":"neutral","sentiment_score":0.02308039449983173},{"text":"We'll we'll look at that, of course, but your estate plan needs to be kind of tightened a little bit.","start":1401.615,"end":1406.43,"sentiment":"neutral","sentiment_score":-0.07832808177918196}],"sentiment":"neutral","sentiment_score":-0.020072148597620902,"channel":0,"num_words":47,"start":1392.6549,"end":1406.43},{"sentences":[{"text":"Yeah.","start":1406.9299,"end":1407.1699,"sentiment":"neutral","sentiment_score":0.05064750462770462},{"text":"Yeah.","start":1407.1699,"end":1407.4099,"sentiment":"neutral","sentiment_score":0.08485116809606552},{"text":"Yeah.","start":1407.4099,"end":1407.6499,"sentiment":"neutral","sentiment_score":0.13567250967025757},{"text":"Yep.","start":1407.6499,"end":1408.1499,"sentiment":"neutral","sentiment_score":0.2369149625301361}],"sentiment":"neutral","sentiment_score":0.12702153623104095,"channel":1,"num_words":4,"start":1406.9299,"end":1408.1499},{"sentences":[{"text":"Now what I'll do is when I put together a plan for you, I'm gonna include some basic information about will, power of attorney, testamentary trust, and so on.","start":1409.39,"end":1418.1901,"sentiment":"neutral","sentiment_score":0.24204029887914658},{"text":"That way when you go to speak to someone, you've just some information that you can run through with them, and that gives them a good starting point.","start":1418.1901,"end":1424.255,"sentiment":"neutral","sentiment_score":0.30279798646058353},{"text":"Is that okay?","start":1424.255,"end":1425.075,"sentiment":"neutral","sentiment_score":0.20292562743028006}],"sentiment":"neutral","sentiment_score":0.2684381528447072,"channel":0,"num_words":60,"start":1409.39,"end":1425.075},{"sentences":[{"text":"Yeah.","start":1425.5599,"end":1425.72,"sentiment":"neutral","sentiment_score":0.04400850087404251},{"text":"No","start":1425.72,"end":1426.22,"sentiment":"neutral","sentiment_score":-0.10928378254175186}],"sentiment":"neutral","sentiment_score":-0.032637640833854675,"channel":1,"num_words":2,"start":1425.5599,"end":1426.22},{"sentences":[{"text":"Easy done.","start":1426.1749,"end":1428.015,"sentiment":"neutral","sentiment_score":-0.03411122411489487},{"text":"Easy done.","start":1428.015,"end":1428.835,"sentiment":"neutral","sentiment_score":0.05196592956781387}],"sentiment":"neutral","sentiment_score":0.008927352726459503,"channel":0,"num_words":4,"start":1426.1749,"end":1428.835},{"sentences":[{"text":"problem.","start":1429.88,"end":1430.38,"sentiment":"neutral","sentiment_score":0.03807728737592697}],"sentiment":"neutral","sentiment_score":0.03807728737592697,"channel":1,"num_words":1,"start":1429.88,"end":1430.38},{"sentences":[{"text":"Okay.","start":1429.9349,"end":1430.4149,"sentiment":"neutral","sentiment_score":0.03159504756331444},{"text":"So estate plan, partner, children.","start":1430.4149,"end":1433.82,"sentiment":"neutral","sentiment_score":0.038146314397454265},{"text":"Is there anything else to do with your family that I need to take into account?","start":1433.82,"end":1437.26,"sentiment":"neutral","sentiment_score":0.040133819449692965},{"text":"And I'm gonna ask you a slightly awkward question, but it is important.","start":1437.26,"end":1441.2,"sentiment":"neutral","sentiment_score":-0.030165201482864525},{"text":"Is there anyone outside of the family who could contest your will at this point?","start":1441.66,"end":1445.355,"sentiment":"neutral","sentiment_score":-0.053008820737401645}],"sentiment":"neutral","sentiment_score":-0.006456243991851807,"channel":0,"num_words":50,"start":1429.9349,"end":1445.355},{"sentences":[{"text":"No.","start":1446.225,"end":1446.725,"sentiment":"neutral","sentiment_score":-0.07982951402664185}],"sentiment":"neutral","sentiment_score":-0.07982951402664185,"channel":1,"num_words":1,"start":1446.225,"end":1446.725},{"sentences":[{"text":"K.","start":1447.195,"end":1447.695,"sentiment":"neutral","sentiment_score":-0.04232285916805267},{"text":"No ex spouses or anyone floating around, different countries or anything?","start":1447.915,"end":1452.335,"sentiment":"neutral","sentiment_score":-0.07266918840733441}],"sentiment":"neutral","sentiment_score":-0.07014032763739426,"channel":0,"num_words":12,"start":1447.195,"end":1452.335},{"sentences":[{"text":"No.","start":1453.3099,"end":1453.39,"sentiment":"neutral","sentiment_score":-0.0901438444852829},{"text":"No.","start":1453.39,"end":1453.89,"sentiment":"neutral","sentiment_score":-0.1066879779100418},{"text":"Nothing","start":1454.19,"end":1454.69,"sentiment":"neutral","sentiment_score":-0.10529248416423798}],"sentiment":"neutral","sentiment_score":-0.10070810218652089,"channel":1,"num_words":3,"start":1453.3099,"end":1454.69},{"sentences":[{"text":"Perfect.","start":1454.315,"end":1454.815,"sentiment":"neutral","sentiment_score":0.012548185884952543}],"sentiment":"neutral","sentiment_score":0.012548185884952543,"channel":0,"num_words":1,"start":1454.315,"end":1454.815},{"sentences":[{"text":"so exotic.","start":1454.75,"end":1455.49,"sentiment":"neutral","sentiment_score":0.04406321793794632},{"text":"So","start":1456.11,"end":1456.61,"sentiment":"neutral","sentiment_score":0.06925231218338013}],"sentiment":"neutral","sentiment_score":0.052459582686424255,"channel":1,"num_words":3,"start":1454.75,"end":1456.61},{"sentences":[{"text":"Nothing.","start":1456.315,"end":1456.815,"sentiment":"neutral","sentiment_score":0.12432217597961426},{"text":"Very straightforward.","start":1457.4349,"end":1458.335,"sentiment":"neutral","sentiment_score":0.2506338804960251}],"sentiment":"neutral","sentiment_score":0.2085299789905548,"channel":0,"num_words":3,"start":1456.315,"end":1458.335},{"sentences":[{"text":"yeah.","start":1459.3099,"end":1459.5499,"sentiment":"neutral","sentiment_score":0.17077675461769104},{"text":"I got two brothers, and we've all got our own stuff.","start":1459.5499,"end":1463.33,"sentiment":"neutral","sentiment_score":0.14493858881972052},{"text":"And","start":1463.39,"end":1463.89,"sentiment":"neutral","sentiment_score":0.13213014602661133}],"sentiment":"neutral","sentiment_score":0.14594087520470986,"channel":1,"num_words":13,"start":1459.3099,"end":1463.89},{"sentences":[{"text":"Okay.","start":1463.7001,"end":1464.2001,"sentiment":"neutral","sentiment_score":0.1686250865459442}],"sentiment":"neutral","sentiment_score":0.1686250865459442,"channel":0,"num_words":1,"start":1463.7001,"end":1464.2001},{"sentences":[{"text":"there's no no fights or anything.","start":1464.19,"end":1466.935,"sentiment":"neutral","sentiment_score":0.05969793163239956},{"text":"So yeah.","start":1466.995,"end":1470.035,"sentiment":"neutral","sentiment_score":0.05755358003079891},{"text":"So no.","start":1470.035,"end":1470.5951,"sentiment":"neutral","sentiment_score":0.034141989424824715},{"text":"That's it.","start":1470.5951,"end":1470.995,"sentiment":"neutral","sentiment_score":0.05545644089579582},{"text":"That's all of us.","start":1470.995,"end":1472.115,"sentiment":"neutral","sentiment_score":0.16301076114177704}],"sentiment":"neutral","sentiment_score":0.08153341594152153,"channel":1,"num_words":16,"start":1464.19,"end":1472.115},{"sentences":[{"text":"So","start":1472.115,"end":1472.615,"sentiment":"neutral","sentiment_score":0.12518064677715302}],"sentiment":"neutral","sentiment_score":0.12518064677715302,"channel":1,"num_words":1,"start":1472.115,"end":1472.615},{"sentences":[{"text":"Okay.","start":1473.9551,"end":1474.435,"sentiment":"neutral","sentiment_score":0.15924903750419617}],"sentiment":"neutral","sentiment_score":0.15924903750419617,"channel":0,"num_words":1,"start":1473.9551,"end":1474.435},{"sentences":[{"text":"no no","start":1474.035,"end":1474.5951,"sentiment":"neutral","sentiment_score":0.07256853207945824}],"sentiment":"neutral","sentiment_score":0.07256853207945824,"channel":1,"num_words":2,"start":1474.035,"end":1474.5951},{"sentences":[{"text":"Easy.","start":1474.435,"end":1474.935,"sentiment":"neutral","sentiment_score":0.07953668385744095}],"sentiment":"neutral","sentiment_score":0.07953668385744095,"channel":0,"num_words":1,"start":1474.435,"end":1474.935},{"sentences":[{"text":"exes, no skeletons, no anything.","start":1474.5951,"end":1476.615,"sentiment":"neutral","sentiment_score":0.08515954986214638}],"sentiment":"neutral","sentiment_score":0.08515954986214638,"channel":1,"num_words":5,"start":1474.5951,"end":1476.615},{"sentences":[{"text":"That's actually good to hear because building it all straightforward like you have where you've worked hard and built your assets up makes things a lot easier for everyone.","start":1477.3151,"end":1485.3351,"sentiment":"positive","sentiment_score":0.6222111952715906},{"text":"You can obviously imagine the the types of scenarios that we get where a client passes away and four, five, six people come out of the woodworks and everyone just fights over their assets until it's zero.","start":1486.5701,"end":1497.79,"sentiment":"neutral","sentiment_score":0.10799950049132914}],"sentiment":"positive","sentiment_score":0.3339410027432622,"channel":0,"num_words":66,"start":1477.3151,"end":1497.79},{"sentences":[{"text":"Yeah.","start":1498.905,"end":1499.145,"sentiment":"neutral","sentiment_score":0.08563721179962158},{"text":"Yeah.","start":1499.145,"end":1499.385,"sentiment":"neutral","sentiment_score":0.09436145424842834},{"text":"Yeah.","start":1499.385,"end":1499.705,"sentiment":"neutral","sentiment_score":0.10701478272676468},{"text":"Yeah.","start":1499.705,"end":1499.865,"sentiment":"neutral","sentiment_score":0.1279171109199524},{"text":"So there's nothing nothing like that.","start":1499.865,"end":1502.505,"sentiment":"neutral","sentiment_score":0.08805905779202779}],"sentiment":"neutral","sentiment_score":0.09432849064469337,"channel":1,"num_words":10,"start":1498.905,"end":1502.505},{"sentences":[{"text":"So which is probably fortunate.","start":1502.505,"end":1504.925,"sentiment":"neutral","sentiment_score":0.30171977877616885}],"sentiment":"neutral","sentiment_score":0.30171977877616885,"channel":1,"num_words":5,"start":1502.505,"end":1504.925},{"sentences":[{"text":"Perfect.","start":1509.0651,"end":1509.545,"sentiment":"positive","sentiment_score":0.5270240306854248},{"text":"So the main thing for you then is looking after your partner and your four children, and one of your children are 18.","start":1509.545,"end":1516.81,"sentiment":"neutral","sentiment_score":0.2073378909541213},{"text":"Correct?","start":1516.81,"end":1517.31,"sentiment":"neutral","sentiment_score":0.13335199654102323}],"sentiment":"neutral","sentiment_score":0.21716590076684952,"channel":0,"num_words":25,"start":1509.0651,"end":1517.31},{"sentences":[{"text":"Yeah.","start":1517.42,"end":1517.92,"sentiment":"neutral","sentiment_score":0.1156032532453537},{"text":"Yep.","start":1517.9801,"end":1518.4801,"sentiment":"neutral","sentiment_score":0.11157818883657455}],"sentiment":"neutral","sentiment_score":0.11359072104096413,"channel":1,"num_words":2,"start":1517.42,"end":1518.4801},{"sentences":[{"text":"Yep.","start":1518.73,"end":1518.97,"sentiment":"neutral","sentiment_score":0.12430223077535628},{"text":"Okay.","start":1518.97,"end":1519.29,"sentiment":"neutral","sentiment_score":0.2299267053604126},{"text":"Perfect.","start":1519.29,"end":1519.6901,"sentiment":"positive","sentiment_score":0.4124816060066223},{"text":"Perfect.","start":1519.6901,"end":1520.09,"sentiment":"positive","sentiment_score":0.4295988380908966},{"text":"So that might be helpful.","start":1520.09,"end":1521.71,"sentiment":"neutral","sentiment_score":0.32221189737319944}],"sentiment":"neutral","sentiment_score":0.3119298741221428,"channel":0,"num_words":9,"start":1518.73,"end":1521.71},{"sentences":[{"text":"I'm definitely gonna look at recommending that you set up a testamentary trust will because when you've got minor and adult children, it just makes it a bit easier to look after them","start":1521.85,"end":1531.4249,"sentiment":"positive","sentiment_score":0.3430349014022134}],"sentiment":"positive","sentiment_score":0.3430349014022134,"channel":0,"num_words":33,"start":1521.85,"end":1531.4249},{"sentences":[{"text":"Yep.","start":1531.055,"end":1531.555,"sentiment":"neutral","sentiment_score":0.2723912000656128},{"text":"Okay.","start":1532.095,"end":1532.595,"sentiment":"positive","sentiment_score":0.3560416102409363}],"sentiment":"neutral","sentiment_score":0.31421640515327454,"channel":1,"num_words":2,"start":1531.055,"end":1532.595},{"sentences":[{"text":"and also helps minimize estate tax as well.","start":1533.725,"end":1536.1449,"sentiment":"neutral","sentiment_score":0.30416034907102585}],"sentiment":"neutral","sentiment_score":0.30416034907102585,"channel":0,"num_words":8,"start":1533.725,"end":1536.1449},{"sentences":[{"text":"Yep.","start":1536.91,"end":1537.41,"sentiment":"neutral","sentiment_score":0.14525531232357025}],"sentiment":"neutral","sentiment_score":0.14525531232357025,"channel":1,"num_words":1,"start":1536.91,"end":1537.41},{"sentences":[{"text":"Okay.","start":1538.0449,"end":1538.5449,"sentiment":"neutral","sentiment_score":0.16117559373378754},{"text":"So just swinging back to the super for a quick moment as well.","start":1538.605,"end":1542.5499,"sentiment":"neutral","sentiment_score":0.17312925652815744},{"text":"When it comes to what you were saying about maximizing growth, we go pretty straightforward with the investments that we pick at our view.","start":1542.5499,"end":1551.11,"sentiment":"neutral","sentiment_score":0.18195979855954647},{"text":"So portfolios that we build, they're very ETF heavy.","start":1551.11,"end":1554.89,"sentiment":"neutral","sentiment_score":0.06550516974594858},{"text":"You're familiar with ETFs and managed funds.","start":1555.165,"end":1557.425,"sentiment":"neutral","sentiment_score":0.02849520423582622}],"sentiment":"neutral","sentiment_score":0.1401463713220976,"channel":0,"num_words":54,"start":1538.0449,"end":1557.425},{"sentences":[{"text":"No.","start":1558.275,"end":1558.775,"sentiment":"neutral","sentiment_score":-0.010001322254538536}],"sentiment":"neutral","sentiment_score":-0.010001322254538536,"channel":1,"num_words":1,"start":1558.275,"end":1558.775},{"sentences":[{"text":"K, Paul.","start":1559.805,"end":1560.445,"sentiment":"neutral","sentiment_score":-0.0010538576170802116},{"text":"So the standard way I would explain it is that your your rest superannuation and most other super funds, they use these managed funds.","start":1560.445,"end":1568.9,"sentiment":"neutral","sentiment_score":0.0388339019070069},{"text":"You send your money to a fund manager.","start":1568.9,"end":1570.92,"sentiment":"neutral","sentiment_score":0.03929588617756963},{"text":"They'll invest it.","start":1571.06,"end":1571.9401,"sentiment":"neutral","sentiment_score":0.21495339771111807},{"text":"They charge you fees.","start":1571.9401,"end":1573.0,"sentiment":"neutral","sentiment_score":0.18831274658441544}],"sentiment":"neutral","sentiment_score":0.06444839510794093,"channel":0,"num_words":41,"start":1559.805,"end":1573.0},{"sentences":[{"text":"And it's 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stocks.","start":1586.0549,"end":1589.6749,"sentiment":"neutral","sentiment_score":0.3000518549233675},{"text":"And then once you've got it, it's kind of the lowest investment fee to hold that ongoing for five, ten, fifteen, twenty years.","start":1589.735,"end":1596.715,"sentiment":"neutral","sentiment_score":0.33222216432509216}],"sentiment":"neutral","sentiment_score":0.25900312618050775,"channel":0,"num_words":71,"start":1574.9,"end":1596.715},{"sentences":[{"text":"Yep.","start":1597.3501,"end":1597.8501,"sentiment":"positive","sentiment_score":0.3829247951507568}],"sentiment":"positive","sentiment_score":0.3829247951507568,"channel":1,"num_words":1,"start":1597.3501,"end":1597.8501},{"sentences":[{"text":"So one of the things that you can look at is just, you know, minimize your investment fees, and they tend to have much better returns there as well.","start":1598.3099,"end":1605.61,"sentiment":"positive","sentiment_score":0.5883842418933737},{"text":"The only, I guess, trick 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would be really good.","start":1850.115,"end":1854.375,"sentiment":"positive","sentiment_score":0.6744695050375802},{"text":"What I'd like to ask you one more thing because, obviously, I'm gonna give you a recommendation of what I think you should do, but I do","start":1855.7151,"end":1861.53,"sentiment":"neutral","sentiment_score":0.23792008448530128}],"sentiment":"positive","sentiment_score":0.3869857402836404,"channel":0,"num_words":41,"start":1850.115,"end":1861.53},{"sentences":[{"text":"Yep.","start":1861.4,"end":1861.9,"sentiment":"neutral","sentiment_score":0.1493881642818451}],"sentiment":"neutral","sentiment_score":0.1493881642818451,"channel":1,"num_words":1,"start":1861.4,"end":1861.9},{"sentences":[{"text":"need to tailor things a little bit because how it behaves is really important.","start":1861.53,"end":1865.77,"sentiment":"neutral","sentiment_score":0.23118020806993758},{"text":"Because as you watch it every year, need to make sure it's within what you 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had to pick between lowest fees or paying extra to try and get a higher return, which way does your gut feeling pull you towards?","start":1872.4901,"end":1881.5549,"sentiment":"neutral","sentiment_score":0.20307684024529798}],"sentiment":"neutral","sentiment_score":0.20307684024529798,"channel":0,"num_words":28,"start":1872.4901,"end":1881.5549},{"sentences":[{"text":"I guess it's relative.","start":1884.035,"end":1885.255,"sentiment":"neutral","sentiment_score":0.06933578755706549},{"text":"It's I'd go whatever the best outcome is.","start":1885.3151,"end":1889.57,"sentiment":"neutral","sentiment_score":0.25766216591000557},{"text":"If that's pay more to get more,","start":1889.57,"end":1891.59,"sentiment":"neutral","sentiment_score":0.1844643290553774}],"sentiment":"neutral","sentiment_score":0.19104688320504992,"channel":1,"num_words":19,"start":1884.035,"end":1891.59},{"sentences":[{"text":"Yep.","start":1891.87,"end":1892.37,"sentiment":"neutral","sentiment_score":0.263838529586792}],"sentiment":"neutral","sentiment_score":0.263838529586792,"channel":0,"num_words":1,"start":1891.87,"end":1892.37},{"sentences":[{"text":"I'll probably do that.","start":1891.8899,"end":1893.2699,"sentiment":"positive","sentiment_score":0.3709067702293396}],"sentiment":"positive","sentiment_score":0.3709067702293396,"channel":1,"num_words":4,"start":1891.8899,"end":1893.2699},{"sentences":[{"text":"Perfect.","start":1894.4299,"end":1894.9099,"sentiment":"positive","sentiment_score":0.5535778999328613},{"text":"So as long as it's all about the end outcome, you don't really have a strong 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time.","start":2150.77,"end":2158.085,"sentiment":"neutral","sentiment_score":-0.12888656941552956}],"sentiment":"neutral","sentiment_score":-0.12888656941552956,"channel":0,"num_words":30,"start":2150.77,"end":2158.085},{"sentences":[{"text":"Yeah.","start":2157.7449,"end":2158.145,"sentiment":"neutral","sentiment_score":-0.0008112601935863495},{"text":"Yeah.","start":2158.145,"end":2158.4648,"sentiment":"neutral","sentiment_score":0.0025823526084423065},{"text":"Yeah.","start":2158.4648,"end":2158.9648,"sentiment":"neutral","sentiment_score":0.0007561482489109039}],"sentiment":"neutral","sentiment_score":0.0008424135545889536,"channel":1,"num_words":3,"start":2157.7449,"end":2158.9648},{"sentences":[{"text":"So what I'm only gonna recommend is if I can get you a better outcome than that.","start":2159.425,"end":2163.345,"sentiment":"neutral","sentiment_score":0.037330410278895325},{"text":"Obviously, I can't guarantee what happens in the stock 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would give me a lot more,","start":2239.2952,"end":2246.7551,"sentiment":"neutral","sentiment_score":0.24779188503389774}],"sentiment":"neutral","sentiment_score":0.23934169560670854,"channel":1,"num_words":30,"start":2235.59,"end":2246.7551},{"sentences":[{"text":"More cash flow.","start":2247.28,"end":2248.42,"sentiment":"neutral","sentiment_score":0.18894754846890768}],"sentiment":"neutral","sentiment_score":0.18894754846890768,"channel":0,"num_words":3,"start":2247.28,"end":2248.42},{"sentences":[{"text":"which yeah.","start":2248.175,"end":2249.455,"sentiment":"neutral","sentiment_score":0.07125358656048775},{"text":"Yep.","start":2249.455,"end":2249.955,"sentiment":"neutral","sentiment_score":0.060642462223768234}],"sentiment":"neutral","sentiment_score":0.06771654511491458,"channel":1,"num_words":3,"start":2248.175,"end":2249.955},{"sentences":[{"text":"K.","start":2250.88,"end":2251.38,"sentiment":"neutral","sentiment_score":0.019063688814640045},{"text":"And part of the goals that you mentioned to the team was even doing a bit of a slowdown at work over the next five years.","start":2251.44,"end":2257.8398,"sentiment":"neutral","sentiment_score":-0.08068696509760159},{"text":"Are you still thinking of just kind of taking the foot off the gas a bit and maybe even going 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keep in place what's there, or are you wanting to get rid of it and save the premiums?","start":2400.655,"end":2406.115,"sentiment":"neutral","sentiment_score":0.07090579494833946},{"text":"What are 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as","start":2407.2148,"end":2408.01,"sentiment":"neutral","sentiment_score":-0.0720555732647578}],"sentiment":"neutral","sentiment_score":-0.0720555732647578,"channel":0,"num_words":3,"start":2407.2148,"end":2408.01},{"sentences":[{"text":"I'd love to I'd love to get rid of them and save the premiums, but but I'll like, if you said it's a good idea to get rid of them, then I'd probably consider it.","start":2407.78,"end":2418.425,"sentiment":"neutral","sentiment_score":-0.04627389194709914},{"text":"But I I don't really know because I just thought, oh, well, if something happens, it's $400 that'll pay off.","start":2418.425,"end":2424.125,"sentiment":"neutral","sentiment_score":-0.13838655222207308},{"text":"I think one the the only mortgage we've got is about 400 and something.","start":2424.3801,"end":2430.72,"sentiment":"neutral","sentiment_score":-0.07111684924789838},{"text":"Maybe $4.80 or $4.50 or something like 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it comes to life and disability insurance, you pass away 400,000, you can never work again 400,000, it'll","start":2441.8801,"end":2449.965,"sentiment":"neutral","sentiment_score":-0.1563713289797306}],"sentiment":"neutral","sentiment_score":-0.14652807105864799,"channel":0,"num_words":21,"start":2441.32,"end":2449.965},{"sentences":[{"text":"Yep.","start":2449.635,"end":2450.135,"sentiment":"neutral","sentiment_score":-0.11271098256111144}],"sentiment":"neutral","sentiment_score":-0.11271098256111144,"channel":1,"num_words":1,"start":2449.635,"end":2450.135},{"sentences":[{"text":"pretty much disappear over the next few years when it hits its expiry age, and it probably isn't gonna cost you too much in premiums to keep it there even if 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what?","start":2539.915,"end":2545.3198,"sentiment":"neutral","sentiment_score":0.00998646725455056},{"text":"Only in the worst","start":2545.3198,"end":2546.2,"sentiment":"neutral","sentiment_score":-0.14366814494132996}],"sentiment":"neutral","sentiment_score":-0.029522092608006104,"channel":0,"num_words":46,"start":2535.115,"end":2546.2},{"sentences":[{"text":"Yeah.","start":2546.03,"end":2546.19,"sentiment":"neutral","sentiment_score":-0.12709099054336548},{"text":"I","start":2546.19,"end":2546.3499,"sentiment":"neutral","sentiment_score":-0.17884694039821625}],"sentiment":"neutral","sentiment_score":-0.15296896547079086,"channel":1,"num_words":2,"start":2546.03,"end":2546.3499},{"sentences":[{"text":"case","start":2546.2,"end":2546.5999,"sentiment":"neutral","sentiment_score":-0.12802603840827942}],"sentiment":"neutral","sentiment_score":-0.12802603840827942,"channel":0,"num_words":1,"start":2546.2,"end":2546.5999},{"sentences":[{"text":"can 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years.","start":2553.3198,"end":2556.44,"sentiment":"neutral","sentiment_score":0.1829701949443136},{"text":"It's a pretty good middle ground.","start":2556.44,"end":2557.935,"sentiment":"positive","sentiment_score":0.4328759362300237},{"text":"The only one that's more affordable is dropping it to two years worth of 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might factor in the premiums and see if we can get a reduction quote and just see how that looks like in in five, six years' time.","start":2563.935,"end":2573.58,"sentiment":"neutral","sentiment_score":0.03647686883566841}],"sentiment":"neutral","sentiment_score":0.03647686883566841,"channel":0,"num_words":31,"start":2563.935,"end":2573.58},{"sentences":[{"text":"Okay.","start":2574.2,"end":2574.7,"sentiment":"neutral","sentiment_score":0.08545757085084915}],"sentiment":"neutral","sentiment_score":0.08545757085084915,"channel":1,"num_words":1,"start":2574.2,"end":2574.7},{"sentences":[{"text":"Because if you can afford it and still get to your goal and 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okay.","start":2579.48,"end":2582.625,"sentiment":"neutral","sentiment_score":-0.19282441213726997},{"text":"So","start":2582.625,"end":2583.125,"sentiment":"neutral","sentiment_score":-0.03684171289205551}],"sentiment":"neutral","sentiment_score":-0.17549300111002392,"channel":1,"num_words":9,"start":2579.48,"end":2583.125},{"sentences":[{"text":"yeah.","start":2583.7349,"end":2584.2349,"sentiment":"neutral","sentiment_score":0.00022777169942855835},{"text":"So are you leaning towards at least keeping it for some 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probably keep it, but maybe downgrade it and blow the blow the waiting time out and just do whatever we can to make it cheaper.","start":2590.865,"end":2600.19,"sentiment":"neutral","sentiment_score":-0.06485785286013897}],"sentiment":"neutral","sentiment_score":-0.06485785286013897,"channel":1,"num_words":26,"start":2590.865,"end":2600.19},{"sentences":[{"text":"Yep.","start":2600.71,"end":2601.21,"sentiment":"neutral","sentiment_score":0.0008487490704283118},{"text":"I don't know if rest offers a waiting period beyond ninety days.","start":2601.43,"end":2605.27,"sentiment":"neutral","sentiment_score":-0.08262209625293811},{"text":"Some funds even do twelve months or two years or something 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help.","start":2609.265,"end":2613.365,"sentiment":"neutral","sentiment_score":-0.02586796408628716}],"sentiment":"neutral","sentiment_score":-0.03240287745077359,"channel":0,"num_words":19,"start":2608.47,"end":2613.365},{"sentences":[{"text":"Yep.","start":2614.0051,"end":2614.5051,"sentiment":"neutral","sentiment_score":0.009025895968079569}],"sentiment":"neutral","sentiment_score":0.009025895968079569,"channel":1,"num_words":1,"start":2614.0051,"end":2614.5051},{"sentences":[{"text":"K.","start":2615.7449,"end":2616.2449,"sentiment":"neutral","sentiment_score":-0.008064931258559227},{"text":"Potentially, leave it at the five or two years.","start":2616.385,"end":2618.865,"sentiment":"neutral","sentiment_score":-0.028485528710815642},{"text":"There's no point kind of doing anything other than that.","start":2618.865,"end":2621.67,"sentiment":"neutral","sentiment_score":-0.24491968750953674},{"text":"And like I said, I'll factor in all the taxes, premiums, and fees to see what it looks like over the projections as well.","start":2621.75,"end":2627.8499,"sentiment":"neutral","sentiment_score":0.013726817967835814}],"sentiment":"neutral","sentiment_score":-0.05418608939825473,"channel":0,"num_words":44,"start":2615.7449,"end":2627.8499},{"sentences":[{"text":"Yes.","start":2628.4,"end":2628.9,"sentiment":"neutral","sentiment_score":0.006023213267326355}],"sentiment":"neutral","sentiment_score":0.006023213267326355,"channel":1,"num_words":1,"start":2628.4,"end":2628.9},{"sentences":[{"text":"K?","start":2629.75,"end":2630.25,"sentiment":"neutral","sentiment_score":-0.017193207517266273},{"text":"I'd I wanna ask you the last one, which is trauma insurance.","start":2631.1099,"end":2635.0498,"sentiment":"neutral","sentiment_score":-0.06117457368721565},{"text":"It's one of those ones that you have to pay out of pocket only to get some a medical lump sum if you have a heart attack, stroke, or cancer.","start":2635.475,"end":2642.695,"sentiment":"neutral","sentiment_score":-0.17252287343144418},{"text":"The alternative if you don't get that fourth policy is that you're obviously relying on your family, your spouse, your savings, your assets, and the public health system.","start":2643.075,"end":2653.26,"sentiment":"neutral","sentiment_score":-0.0698557758836874},{"text":"Do you have a strong need for looking for some lump sum cover if you were to be diagnosed with cancer or have a heart attack?","start":2653.72,"end":2661.26,"sentiment":"neutral","sentiment_score":-0.06286168213074024}],"sentiment":"neutral","sentiment_score":-0.09811690468917188,"channel":0,"num_words":97,"start":2629.75,"end":2661.26},{"sentences":[{"text":"Not really.","start":2661.91,"end":2662.65,"sentiment":"neutral","sentiment_score":-0.31510910391807556}],"sentiment":"neutral","sentiment_score":-0.31510910391807556,"channel":1,"num_words":2,"start":2661.91,"end":2662.65},{"sentences":[{"text":"Not 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for you is we're gonna turn down a little bit of the risk on the super, try and optimize the returns a bit, see how that looks, alter the insurances a bit just to give you a bit of affordability and longevity on it, look at the estate planning to get all of that structure in place for your wife and the children.","start":2674.61,"end":2698.055,"sentiment":"positive","sentiment_score":0.38805516159687287},{"text":"How is that sounding at the moment?","start":2700.1301,"end":2701.75,"sentiment":"neutral","sentiment_score":0.16571365296840668}],"sentiment":"positive","sentiment_score":0.36756505938463435,"channel":0,"num_words":86,"start":2673.97,"end":2701.75},{"sentences":[{"text":"Yeah.","start":2702.245,"end":2702.5652,"sentiment":"neutral","sentiment_score":0.16113710403442383},{"text":"Yep.","start":2702.5652,"end":2703.0652,"sentiment":"neutral","sentiment_score":0.21227042376995087}],"sentiment":"neutral","sentiment_score":0.18670376390218735,"channel":1,"num_words":2,"start":2702.245,"end":2703.0652},{"sentences":[{"text":"Cool.","start":2704.37,"end":2704.69,"sentiment":"neutral","sentiment_score":0.3276920020580292},{"text":"Is there any other areas or anything that you feel I've missed so far?","start":2704.69,"end":2707.9102,"sentiment":"neutral","sentiment_score":0.2243287627186094},{"text":"Okay.","start":2710.9448,"end":2711.4448,"sentiment":"neutral","sentiment_score":0.091867133975029},{"text":"Alright.","start":2711.825,"end":2712.305,"sentiment":"neutral","sentiment_score":0.0904722809791565},{"text":"So when it comes","start":2712.305,"end":2713.585,"sentiment":"neutral","sentiment_score":0.03530275262892246}],"sentiment":"neutral","sentiment_score":0.18056405264706837,"channel":0,"num_words":21,"start":2704.37,"end":2713.585},{"sentences":[{"text":"None.","start":2713.47,"end":2713.97,"sentiment":"neutral","sentiment_score":0.025836486369371418}],"sentiment":"neutral","sentiment_score":0.025836486369371418,"channel":1,"num_words":1,"start":2713.47,"end":2713.97},{"sentences":[{"text":"to those first things that we spoke about when it comes to the carry forward transition to retirement, I'm likely to hold off on that until November.","start":2713.585,"end":2723.365,"sentiment":"neutral","sentiment_score":0.04381112933710769},{"text":"With the lump sum bonus that you're getting, I would probably more be looking at a non concessional contribution and still giving you access to pull the funds out if you needed to.","start":2723.94,"end":2733.4,"sentiment":"neutral","sentiment_score":0.21213309399106287},{"text":"My last question","start":2733.54,"end":2734.3398,"sentiment":"neutral","sentiment_score":0.0281106395026048}],"sentiment":"neutral","sentiment_score":0.13123213511610787,"channel":0,"num_words":63,"start":2713.585,"end":2734.3398},{"sentences":[{"text":"Yep.","start":2734.045,"end":2734.545,"sentiment":"neutral","sentiment_score":0.042862486094236374}],"sentiment":"neutral","sentiment_score":0.042862486094236374,"channel":1,"num_words":1,"start":2734.045,"end":2734.545},{"sentences":[{"text":"for you, Paul, is when you get that bonus, do you know around about how much it might be and what you would 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explanation of myself, so as the senior adviser, I've been in the industry for about twelve years now.","start":2892.78,"end":2899.425,"sentiment":"neutral","sentiment_score":0.045610172772093824},{"text":"You'll find in that services guide my authorized representative number with ASIC, and, essentially,","start":2899.645,"end":2906.145,"sentiment":"neutral","sentiment_score":0.0686706006526947}],"sentiment":"neutral","sentiment_score":0.05539338460022753,"channel":0,"num_words":33,"start":2892.78,"end":2906.145},{"sentences":[{"text":"Yep.","start":2905.6702,"end":2906.1702,"sentiment":"neutral","sentiment_score":0.05914217233657837}],"sentiment":"neutral","sentiment_score":0.05914217233657837,"channel":1,"num_words":1,"start":2905.6702,"end":2906.1702},{"sentences":[{"text":"it'll tell you on the government register all of my history through the industry.","start":2906.605,"end":2910.98,"sentiment":"neutral","sentiment_score":0.056525908676641326},{"text":"So you can kind of follow","start":2910.98,"end":2911.94,"sentiment":"neutral","sentiment_score":0.07559808902442455}],"sentiment":"neutral","sentiment_score":0.0622475627809763,"channel":0,"num_words":20,"start":2906.605,"end":2911.94},{"sentences":[{"text":"Okay.","start":2911.75,"end":2912.25,"sentiment":"neutral","sentiment_score":0.0408158004283905}],"sentiment":"neutral","sentiment_score":0.0408158004283905,"channel":1,"num_words":1,"start":2911.75,"end":2912.25},{"sentences":[{"text":"me along in the companies","start":2911.94,"end":2913.46,"sentiment":"neutral","sentiment_score":0.03935683816671372}],"sentiment":"neutral","sentiment_score":0.03935683816671372,"channel":0,"num_words":5,"start":2911.94,"end":2913.46},{"sentences":[{"text":"Yep.","start":2913.4302,"end":2913.9302,"sentiment":"neutral","sentiment_score":0.04400435835123062}],"sentiment":"neutral","sentiment_score":0.04400435835123062,"channel":1,"num_words":1,"start":2913.4302,"end":2913.9302},{"sentences":[{"text":"I've worked 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will pretty much be looking after you with a team of advisers and Sevier, our director as well.","start":2930.075,"end":2936.415,"sentiment":"neutral","sentiment_score":0.18367231860756875},{"text":"And,","start":2936.555,"end":2937.055,"sentiment":"neutral","sentiment_score":0.07347336411476135}],"sentiment":"neutral","sentiment_score":0.1784247493460065,"channel":0,"num_words":21,"start":2930.075,"end":2937.055},{"sentences":[{"text":"Yep.","start":2936.96,"end":2937.46,"sentiment":"neutral","sentiment_score":0.07210265845060349}],"sentiment":"neutral","sentiment_score":0.07210265845060349,"channel":1,"num_words":1,"start":2936.96,"end":2937.46},{"sentences":[{"text":"yeah, just have a look if you've got a minute to go on the website for Oakview Financial.","start":2937.43,"end":2940.81,"sentiment":"neutral","sentiment_score":0.1201083432469103}],"sentiment":"neutral","sentiment_score":0.1201083432469103,"channel":0,"num_words":18,"start":2937.43,"end":2940.81},{"sentences":[{"text":"Hello.","start":2940.4,"end":2940.9,"sentiment":"neutral","sentiment_score":0.10052910447120668}],"sentiment":"neutral","sentiment_score":0.10052910447120668,"channel":1,"num_words":1,"start":2940.4,"end":2940.9},{"sentences":[{"text":"You can","start":2940.95,"end":2941.27,"sentiment":"neutral","sentiment_score":0.08095000311732292}],"sentiment":"neutral","sentiment_score":0.08095000311732292,"channel":0,"num_words":2,"start":2940.95,"end":2941.27},{"sentences":[{"text":"Yep.","start":2941.1199,"end":2941.6199,"sentiment":"neutral","sentiment_score":0.08666723966598511}],"sentiment":"neutral","sentiment_score":0.08666723966598511,"channel":1,"num_words":1,"start":2941.1199,"end":2941.6199},{"sentences":[{"text":"see a lot more about us as well between now","start":2941.27,"end":2943.59,"sentiment":"neutral","sentiment_score":0.10840612649917603}],"sentiment":"neutral","sentiment_score":0.10840612649917603,"channel":0,"num_words":10,"start":2941.27,"end":2943.59},{"sentences":[{"text":"Uh-huh.","start":2943.28,"end":2943.78,"sentiment":"neutral","sentiment_score":0.06621148437261581}],"sentiment":"neutral","sentiment_score":0.06621148437261581,"channel":1,"num_words":1,"start":2943.28,"end":2943.78},{"sentences":[{"text":"and Friday.","start":2943.59,"end":2944.41,"sentiment":"neutral","sentiment_score":0.06681902892887592}],"sentiment":"neutral","sentiment_score":0.06681902892887592,"channel":0,"num_words":2,"start":2943.59,"end":2944.41},{"sentences":[{"text":"Yep.","start":2945.2,"end":2945.68,"sentiment":"neutral","sentiment_score":0.10798943042755128},{"text":"No 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worries.","start":2952.105,"end":2952.845,"sentiment":"neutral","sentiment_score":0.0989597886800766}],"sentiment":"neutral","sentiment_score":0.0989597886800766,"channel":1,"num_words":2,"start":2952.105,"end":2952.845},{"sentences":[{"text":"talk to you Friday.","start":2952.983,"end":2953.963,"sentiment":"neutral","sentiment_score":0.26331566274166107}],"sentiment":"neutral","sentiment_score":0.26331566274166107,"channel":0,"num_words":4,"start":2952.983,"end":2953.963},{"sentences":[{"text":"Okay.","start":2954.265,"end":2954.665,"sentiment":"neutral","sentiment_score":0.22497110068798065},{"text":"Thanks, Tommy.","start":2954.665,"end":2955.4849,"sentiment":"positive","sentiment_score":0.5636483132839203},{"text":"See","start":2955.865,"end":2956.025,"sentiment":"positive","sentiment_score":0.3702477514743805}],"sentiment":"positive","sentiment_score":0.43062886968255043,"channel":1,"num_words":4,"start":2954.265,"end":2956.025},{"sentences":[{"text":"See","start":2955.9429,"end":2956.1829,"sentiment":"positive","sentiment_score":0.4623643457889557}],"sentiment":"positive","sentiment_score":0.4623643457889557,"channel":0,"num_words":1,"start":2955.9429,"end":2956.1829},{"sentences":[{"text":"you.","start":2956.025,"end":2956.525,"sentiment":"positive","sentiment_score":0.48471665382385254}],"sentiment":"positive","sentiment_score":0.48471665382385254,"channel":1,"num_words":1,"start":2956.025,"end":2956.525},{"sentences":[{"text":"you later.","start":2956.1829,"end":2956.743,"sentiment":"neutral","sentiment_score":0.30163468420505524},{"text":"Bye.","start":2956.743,"end":2957.243,"sentiment":"neutral","sentiment_score":0.220125675201416}],"sentiment":"neutral","sentiment_score":0.2744650145371755,"channel":0,"num_words":3,"start":2956.1829,"end":2957.243},{"sentences":[{"text":"Bye.","start":2957.385,"end":2957.885,"sentiment":"neutral","sentiment_score":-0.12302517145872116}],"sentiment":"neutral","sentiment_score":-0.12302517145872116,"channel":1,"num_words":1,"start":2957.385,"end":2957.885}]},"summary":{"result":"success","short":"The speaker discusses retirement goals and risk profiles with a customer, emphasizing the importance of protecting one's super during a transition to retirement. They explain the process of transferring money from a retirement plan to a transition pension plan and recommend a strategy for estate planning. The speaker emphasizes the importance of maximizing growth and avoiding estate tax, as well as setting up a will and reducing investments. They also discuss risk levels and recommend a combination of passive and active funds to achieve maximum returns. The speaker emphasizes the importance of staying in the current portfolio and provides information on a life and disability insurance policy and insurance coverage. They also mention a new insurance policy called trauma insurance and provide information on its benefits."},"intents":{"segments":[{"text":"I just said, given your age and everything, I'll look at what's called the transition to retirement. Yep.","start_word":93,"end_word":110,"intents":[{"intent":"Discuss transition to retirement","confidence_score":0.06354286}]},{"text":"Do you guys do any with these ones, if has anyone done, like, any risk profile type thing, or is that for me to Yeah.","start_word":199,"end_word":223,"intents":[{"intent":"Discuss risk profiles","confidence_score":0.022789937},{"intent":"Find suitable risk profile","confidence_score":0.00011315678}]},{"text":"I've got Tommy on the line. Tommy is one of the senior advisers with OQ that's gonna work on this plan. He's just gonna go through and confirm a few details. We'll get out of your hair, get to work, and I will call you on Friday. And, hopefully, we've got a bit of good news for you. Yep.","start_word":333,"end_word":391,"intents":[{"intent":"Discuss plans","confidence_score":0.035376124}]},{"text":"He's just gonna go through and confirm a few details.","start_word":353,"end_word":362,"intents":[{"intent":"Confirm details","confidence_score":0.61757684}]},{"text":"And, look, thanks very much for updating your details with the team there. I know there can be a decent amount of questions to get some information, but I really appreciate that because full overview of your situation really just helps me work out a few ideas and plans for you.","start_word":521,"end_word":571,"intents":[{"intent":"Provide update","confidence_score":0.011119577}]},{"text":"Can you just tell me in your own words kind of main thing that you're hoping to get out of going through this process with us? Okay.","start_word":628,"end_word":654,"intents":[{"intent":"Understand process","confidence_score":0.0026395626}]},{"text":"Am I doing I should should be doing between now and retirement that will have a positive significant impact.","start_word":664,"end_word":682,"intents":[{"intent":"Discuss retirement plans","confidence_score":0.020148454}]},{"text":"I'd be probably maybe say 60% growth, 40% preserve. We've got Yep. some like, we've got other things that are going on that, you know so I've got figure, well, I might as well just try and max out my super. I have a bit of risk. I don't I don't wanna lose it all, but, yeah, I might as well try and go for a bit of growth. Absolutely.","start_word":863,"end_word":932,"intents":[{"intent":"Propose investment strategy","confidence_score":0.0000013385041}]},{"text":"So the way I look at it when it comes to longevity of your funds when you're in retirement is you need to be able to pull out a small enough amount that you're not gonna deplete it too quickly. K? Yep.","start_word":1056,"end_word":1097,"intents":[{"intent":"Capture funds","confidence_score":0.00030653024}]},{"text":"When it comes to TTR strategies, people talk about transition to retirement.","start_word":1433,"end_word":1444,"intents":[{"intent":"Discuss transition to retirement","confidence_score":0.12788498}]},{"text":"And did they talk you through how a transition strategy works at all?","start_word":1538,"end_word":1550,"intents":[{"intent":"Determine success of strategies","confidence_score":3.07488e-9}]},{"text":"So, essentially, super tax at 15%. You've got a pretty big income, though, and the split between your base and your gross income, a 185,000 base, 230,000 gross income. Is that just a bit of a bump up from, like, overtime and things like that or bonuses? Partisans.","start_word":1612,"end_word":1659,"intents":[{"intent":"Calculate super tax","confidence_score":0.0009296611},{"intent":"Calculate super tax deduction","confidence_score":0.043492574},{"intent":"Calculate super tax deduction","confidence_score":0.06017682}]},{"text":"So does that mean because I'm gonna get a like a fairly large bonus this year, Mhmm. which will be November this year. Can Okay.","start_word":1707,"end_word":1731,"intents":[{"intent":"Identify potential bonus","confidence_score":0.011054422}]},{"text":"And there should be something to do with unused caps on there.","start_word":2516,"end_word":2527,"intents":[{"intent":"Find unused cap button","confidence_score":0.0012939185}]},{"text":"I'm actually gonna bring mine up just so I can kind of show you as well. Just bear with me for a quick moment. Basically looking to try and get onto the super section of it, and there should be a button saying unused cap. I'll kinda show you. And are you in the tax office section of myGov? Yeah.","start_word":2573,"end_word":2632,"intents":[{"intent":"Show super section","confidence_score":0.18278056}]},{"text":"Basically looking to try and get onto the super section of it, and there should be a button saying unused cap. I'll kinda show you. And are you in the tax office section of myGov? Yeah.","start_word":2597,"end_word":2632,"intents":[{"intent":"Access super section","confidence_score":0.18501963}]},{"text":"So you know the little menu button at the top left of three lines?","start_word":2691,"end_word":2704,"intents":[{"intent":"Access menu button","confidence_score":0.07846681}]},{"text":"and then carry forward concessional contributions. Okay. Okay.","start_word":2742,"end_word":2749,"intents":[{"intent":"Carry forward concessional contributions","confidence_score":0.22665177}]},{"text":"Nonbinding means the the trustee or the super fund has discretion to who it goes to. Binding means it's legally binding. And how that usually comes about is if you did a nomination online, they normally set it up as non legally binding unless you actually sign a document that gets witnessed, like an actual legal beneficiary document. Yeah.","start_word":3182,"end_word":3240,"intents":[{"intent":"Clarify","confidence_score":0.0009001497},{"intent":"Explain","confidence_score":0.2749986}]},{"text":"So that's the first thing I'm gonna recommend is that we get your estate plan lined up that way. How's everything looking in terms of, like, will, power of attorney, and so on?","start_word":3275,"end_word":3307,"intents":[{"intent":"Set up","confidence_score":0.0023658427}]},{"text":"I haven't updated it for twenty five years. Okay.","start_word":3347,"end_word":3355,"intents":[{"intent":"Update","confidence_score":0.48129115}]},{"text":"bank accounts, talk to doctors without having to go to the courts. Yeah.","start_word":3426,"end_word":3438,"intents":[{"intent":"Access bank accounts","confidence_score":0.0108452365}]},{"text":"So estate plan, partner, children. Is there anything else to do with your family that I need to take into account?","start_word":3871,"end_word":3891,"intents":[{"intent":"Discuss super strategy","confidence_score":1.5329124e-7},{"intent":"Discuss super super super super","confidence_score":0.0017835002},{"intent":"Discuss finances","confidence_score":0.014605928}]},{"text":"Is there anyone outside of the family who could contest your will at this point? No.","start_word":3904,"end_word":3919,"intents":[{"intent":"Discuss will contest","confidence_score":0.0104462225}]},{"text":"When it comes to what you were saying about maximizing growth, we go pretty straightforward with the investments that we pick at our view. So portfolios that we build, they're very ETF heavy. You're familiar with ETFs and managed funds. No. K, Paul.","start_word":4157,"end_word":4199,"intents":[{"intent":"Discuss maximizing growth with managed funds","confidence_score":0.0027486137}]},{"text":"The only, I guess, trick with it is you need a platform or a super fund that can actually access investments Yep. outside of the usual 10. I know rest has usually about thirteen, fourteen options. They don't really give you access to anything outside of that. At Yeah.","start_word":4344,"end_word":4392,"intents":[{"intent":"Discuss options for portfolio investments","confidence_score":0.000016504351}]},{"text":"This is what we'd like to change, and then come Yeah. back for a second call to go through that Yeah. document.","start_word":4967,"end_word":4988,"intents":[{"intent":"Change funds","confidence_score":0.0115736555}]},{"text":"The only other alternative is something called an SMA structure separately managed account, and all that does is it puts a bubble around your portfolio and allows a manager and your adviser to make chops and changes through the year and then send you a change report. Yep.","start_word":4990,"end_word":5037,"intents":[{"intent":"Recommend alternative","confidence_score":0.0020204324}]},{"text":"What I'd like to ask you one more thing because, obviously, I'm gonna give you a recommendation of what I think you should do, but I do Yep. need to tailor things a little bit because how it behaves is really important. Because as you watch it every year, need to make sure it's within what you expect. Yep.","start_word":5099,"end_word":5157,"intents":[{"intent":"Make recommendations","confidence_score":0.03529696}]},{"text":"question is, you had to pick between lowest fees or paying extra to try and get a higher return, which way does your gut feeling pull you towards? I guess it's relative. It's I'd go whatever the best outcome is. If that's pay more to get more, Yep. I'll probably do that. Perfect.","start_word":5161,"end_word":5213,"intents":[{"intent":"Determine best outcome","confidence_score":0.06968027}]},{"text":"So what that kind of reveals is we can use a combination of passive or active funds for you and really just trying to get you the best mix one way or the other. Yep.","start_word":5239,"end_word":5273,"intents":[{"intent":"Use combination","confidence_score":0.07742169}]},{"text":"I may even do something called a core and satellite where we use both.","start_word":5274,"end_word":5287,"intents":[{"intent":"Propose different methods","confidence_score":7.233168e-7}]},{"text":"The world at the moment is kind of a bit on fire. How have you found watching your super going up and down? And I know you went through that risk profile questionnaire, and you still came out to be about a four out of five on the risk scale. What are your thoughts on risk?","start_word":5341,"end_word":5396,"intents":[{"intent":"Show risk level","confidence_score":0.061191164}]},{"text":"I'm gonna propose something, and this is just pure professional judgment here. If you're gonna access your Super 67 or possibly earlier, you don't really have a decade ahead of you to take on too much risk. Okay.","start_word":5420,"end_word":5457,"intents":[{"intent":"Propose future plans","confidence_score":0.0007250679}]},{"text":"Yeah. That's a possibility. I could even go in two years. I'm not sure.","start_word":5541,"end_word":5554,"intents":[{"intent":"Confirm plan","confidence_score":0.00012453995}]},{"text":"So what I would then recommend is because you're in when you're at that four out of five growth risk profile, you usually need at least eight to nine years before you start retiring. Because if the market crashes, you need time for it to rebound and get the return that you're aiming for.","start_word":5563,"end_word":5616,"intents":[{"intent":"Discuss retirement timeline","confidence_score":0.0098059615}]},{"text":"Because you're in that kind of middle ground where you're transitioning, still focusing on growth, but also want to protect it, you almost want to kind of go a bit more balanced with it, like a three out of five. 60 to 70% focusing on growth, 30 to 40% focusing on safety. You're probably right.","start_word":5643,"end_word":5697,"intents":[{"intent":"Balance growth and strategy","confidence_score":0.003303272}]},{"text":"So what I'm only gonna recommend is if I can get you a better outcome than that. Obviously, I can't guarantee what happens in the stock market.","start_word":5976,"end_word":6002,"intents":[{"intent":"Ensure a better outcome in the market","confidence_score":0.00034105056}]},{"text":"So at this point, we do up a little bit of a cleaning for the estate planning. We adjust your risk level in the super and get you a better outcome. I don't think you need to worry too much around doing those contribution strategies because you're already hitting division two nine three. So Yep. you're almost better off focusing more on the personal side of things than just the super. Okay.","start_word":6066,"end_word":6137,"intents":[{"intent":"Invest in estate planning","confidence_score":0.009956408}]},{"text":"And still focusing a split between Queensland and Victoria as far as living situation and bouncing Yeah.","start_word":6372,"end_word":6388,"intents":[{"intent":"Focus on living situation","confidence_score":0.20577699}]},{"text":"Queensland wants to apply in the sky because at the moment, all the coins are buying up there Yeah.","start_word":6395,"end_word":6413,"intents":[{"intent":"Apply in the sky","confidence_score":0.654614}]},{"text":"And just out of curiosity as far as investing goes, like, you've got your super, you've got your properties. Are you considering doing any personal investments to try and either grow some wealth or even build some funds up for the children, any of those considerations as well?","start_word":6455,"end_word":6502,"intents":[{"intent":"Look into investing","confidence_score":0.00006930868}]},{"text":"Are you considering doing any personal investments to try and either grow some wealth or even build some funds up for the children, any of those considerations as well?","start_word":6474,"end_word":6502,"intents":[{"intent":"Grow wealth","confidence_score":0.7190951}]},{"text":"If it ever comes to a point where you wanna kind of mimic how your super invest and do a bit personally, we can do that for you as well. But at this point, I'll just let you focus on the properties and the super as the main combination. Yeah.","start_word":6540,"end_word":6589,"intents":[{"intent":"Focus on properties","confidence_score":0.18088126}]},{"text":"Pretty much knocks out most of the debt that you have left. It looks like you really don't have much in the way of liabilities. You've pretty well paid most everything off. Is that correct? Correct.","start_word":6638,"end_word":6673,"intents":[{"intent":"Compile liabilities","confidence_score":4.027389e-7}]},{"text":"So this $400 pretty much covers your last liability. As you get to the point where you're debt free, you'll come to a point where you don't even need that anymore. Are you wanting to just kind of keep in place what's there, or are you wanting to get rid of it and save the premiums?","start_word":6675,"end_word":6730,"intents":[{"intent":"Save premiums","confidence_score":0.30022556}]},{"text":"as far as I'd love to I'd love to get rid of them and save the premiums, but but I'll like, if you said it's a good idea to get rid of them, then I'd probably consider it.","start_word":6737,"end_word":6774,"intents":[{"intent":"Eliminate purpose","confidence_score":0.15961577}]},{"text":"And then when it comes to benefit period, you've got it for five years. It's a pretty good middle ground. The only one that's more affordable is dropping it to two years worth of benefit, Yep. which Yep. could do, but I might factor in the premiums and see if we can get a reduction quote and just see how that looks like in in five, six years' time. Okay.","start_word":7147,"end_word":7216,"intents":[{"intent":"Discuss benefits and cost","confidence_score":0.003819891}]},{"text":"The alternative if you don't get that fourth policy is that you're obviously relying on your family, your spouse, your savings, your assets, and the public health system.","start_word":7439,"end_word":7466,"intents":[{"intent":"Rely on family","confidence_score":0.015169755}]},{"text":"As long as you're okay with, I guess, transferring the risk to your personal finances and your family, that's okay. Yep.","start_word":7497,"end_word":7517,"intents":[{"intent":"Reduce risk","confidence_score":0.003422152}]},{"text":"So I've thrown a heap of information at you so far, Paul, but quick recap for you is we're gonna turn down a little bit of the risk on the super, try and optimize the returns a bit, see how that looks, alter the insurances a bit just to give you a bit of affordability and longevity on it, look at the estate planning to get all of that structure in place for your wife and the children.","start_word":7519,"end_word":7596,"intents":[{"intent":"Optimize returns","confidence_score":0.021194682}]},{"text":"With the lump sum bonus that you're getting, I would probably more be looking at a non concessional contribution and still giving you access to pull the funds out if you needed to. My last question Yep.","start_word":7655,"end_word":7691,"intents":[{"intent":"Consider non-concessional contribution","confidence_score":0.12414384}]},{"text":"What about with the the home that you're currently in at the moment? Is that gonna be your your long term? For the for the future.","start_word":7756,"end_word":7781,"intents":[{"intent":"Consider retirement home","confidence_score":0.0061755115}]},{"text":"So so I'm thinking I'll stay there because, again, I'm just too lazy to go to move. That's fine.","start_word":7854,"end_word":7872,"intents":[{"intent":"Express a desire to stay","confidence_score":0.000060845432}]},{"text":"So I'll put a note on the file that as far as property moving from your PPR, that might be something that comes up in the next two to five years or so, but nothing that's immediate Yeah.","start_word":7873,"end_word":7910,"intents":[{"intent":"Recommend future moves","confidence_score":0.000038976723}]},{"text":"a Yep. a sea change or a green change. Is that right? Yeah.","start_word":7917,"end_word":7929,"intents":[{"intent":"Inquire about the upcoming sale of yep.","confidence_score":6.886014e-8}]},{"text":"is essentially your consumer protections document. Whenever you work with an adviser, you need to receive a financial services guide. That's got our licensing information in there. It's got all the complaints procedure, Yeah. all of the things that you would need to know about us and your protections legally Yep. as well.","start_word":8014,"end_word":8066,"intents":[{"intent":"Provide information about the yep.","confidence_score":0.0000061437213}]}]},"sentiments":{"segments":[{"text":"Hello. You've reached Tommy. Hey, Tommy. It's Adrian. How are you?","start_word":0,"end_word":10,"sentiment":"neutral","sentiment_score":0.12224949151277542},{"text":"I'm good, Fabian. How are you doing, mate?","start_word":11,"end_word":18,"sentiment":"positive","sentiment_score":0.4384775161743164},{"text":"Hey. Good, mate. Did you get the spreadsheet I shared for with you for Paul Moretti? Yeah. Yeah. Just got a couple of messages from Savvy, and I've just gotten this shared spreadsheet from Paul.","start_word":19,"end_word":53,"sentiment":"neutral","sentiment_score":0.18819743394851685},{"text":"We've Perfect. got all the assets and on the goals and all that fun stuff. Fantastic.","start_word":54,"end_word":69,"sentiment":"positive","sentiment_score":0.5500821471214294},{"text":"Yep. So a couple of notes. His big priority is one, what can I do to minimize my tax between now and retirement? I just said, given your age and everything, I'll look at what's called the transition to retirement. Yep. That'll be a really good strategy for you. We talked about risk, and he's like, look, honestly, soup if super crashes, I still got plenty of other things. I'm happy to take on a bit more risk to maximize my growth. And I said for your age, the adviser is probably not keen to increase your risk. They might be okay to look at a similar risk to what you're doing, but I'll let them discuss Yeah. it with you and work out what's right for you. Perfect. Do you guys do any with these ones, if has anyone done, like, any risk profile type thing, or is that for me to Yeah. sort The of risk, jump into? no, the risk profile should be filled out there on the bottom usually. Is it on it? Yeah. Yeah. Fantastic. There it is. Down the bottom. It's called 16. 16. Awesome. Smack bang in the growth, and he's nineteen sixty five. So I think he's 61 years old 61 years old.","start_word":70,"end_word":280,"sentiment":"neutral","sentiment_score":0.0861516073346138},{"text":"Perfect, dude. That is amazing.","start_word":281,"end_word":285,"sentiment":"positive","sentiment_score":0.5427007675170898},{"text":"and running Great through to information. 67. Awesome. Alright. Cool, Well, if mate. you're ready, I will grab him the line. Yeah. Go for it. Go for it.","start_word":286,"end_word":313,"sentiment":"neutral","sentiment_score":0.20198896527290344},{"text":"Thanks, mate.","start_word":314,"end_word":315,"sentiment":"positive","sentiment_score":0.34465011954307556},{"text":"You there, mate? Yeah. Yeah.","start_word":316,"end_word":320,"sentiment":"neutral","sentiment_score":0.12566015124320984},{"text":"Excellent. Thank you for holding.","start_word":321,"end_word":325,"sentiment":"positive","sentiment_score":0.4219987988471985},{"text":"Sorry about the wait. That's alright. I've got Tommy on the line. Tommy is one of the senior advisers with OQ that's gonna work on this plan. He's just gonna go through and confirm a few details. We'll get out of your hair, get to work, and I will call you on Friday.","start_word":326,"end_word":378,"sentiment":"neutral","sentiment_score":0.12187485080563797},{"text":"And, hopefully, we've got a bit of good news for you.","start_word":379,"end_word":389,"sentiment":"positive","sentiment_score":0.37687233090400696},{"text":"Yep. No worries.","start_word":390,"end_word":392,"sentiment":"neutral","sentiment_score":0.22288548946380615},{"text":"Awesome. Alright. You have a good afternoon. Thanks, mate. You too. See you. Good day, Paul.","start_word":393,"end_word":408,"sentiment":"positive","sentiment_score":0.5323898792266846},{"text":"Tommy here from Oakview, mate. How are you doing? Yeah. Good, Tommy. How are you?","start_word":409,"end_word":423,"sentiment":"neutral","sentiment_score":0.23118704557418823},{"text":"Doing fantastic. It's been a bit of a drizzle of a start to the week, but very much looking forward to it.","start_word":424,"end_word":445,"sentiment":"positive","sentiment_score":0.5233863592147827},{"text":"What about your end? You know, I've been good.","start_word":446,"end_word":454,"sentiment":"neutral","sentiment_score":0.25665026903152466},{"text":"It's sunny down here. Beautiful.","start_word":455,"end_word":459,"sentiment":"positive","sentiment_score":0.4467064440250397},{"text":"Victoria's a bit like that. It can chop and change on a dime, but at the moment, it looks beautiful compared to the Gold Coast. I'll tell you that. Exactly. Is that where Awesome, you own mate. the Daltos? Yeah. Yeah. We're on the Gold Coast. We do serve nationally, but main office is out of the Gold Coast. North. Awesome.","start_word":460,"end_word":520,"sentiment":"neutral","sentiment_score":0.14764538407325745},{"text":"And, look, thanks very much for updating your details with the team there. I know there can be a decent amount of questions to get some information, but I really appreciate that because full overview of your situation really just helps me work out a few ideas and plans for you.","start_word":521,"end_word":571,"sentiment":"positive","sentiment_score":0.3870420753955841},{"text":"Okay. Now what I wanted to just go through with you in just a little bit more depth is as I'm looking through this snapshot, you've obviously hit that period with your superannuation where you're past your preservation age. You can access your super. You've got Yeah. a few more strategies that are open to you. Can you just tell me in your own words kind of main thing that you're hoping to get out of going through this process with us? Okay. So possibly, maybe, am I on the right path? Am I doing I should should be doing between now and retirement that will have a positive significant impact. Any tax things that I may not know about, which should be all of them. Something like that. So I've been I've sort of had discussions with various groups in the past, and it's all just saying either too expensive or just I couldn't see any sort of significant saving or reason to do it. Yeah. So when I was contacted a while, nothing ventured, nothing gained. I just see what's on offer and what would be, you know, what the cost is and the return is and why not from there. Yeah.","start_word":572,"end_word":775,"sentiment":"neutral","sentiment_score":-0.004652530941016534},{"text":"Absolutely.","start_word":776,"end_word":776,"sentiment":"positive","sentiment_score":0.3356027901172638},{"text":"So I guess looking through these goals here, and you're in that transition to retirement stage of your life as well, and you're looking to access the super in a few years' time, so you don't really have that ten, twenty, thirty years ahead of you to take on too much risk. So are you what's your sort of thoughts in terms of protecting what you've built versus growing it a little bit further? Growing Just it. straight So up growing it might it? be yeah. I'd be probably maybe say 60% growth, 40% preserve. We've got Yep. some like, we've got other things that are going on that, you know so I've got figure, well, I might as well just try and max out my super. I have a bit of risk. I don't I don't wanna lose it all, but, yeah, I might as well try and go for a bit of growth. Absolutely. So when I look back about the income needs for retirement, we were talking about a goal of 3 to 4,000 per week. Yeah.","start_word":777,"end_word":956,"sentiment":"neutral","sentiment_score":0.08590245246887207},{"text":"Now, ideally, it would be nice if you can get that mainly just from the superannuation, but you do have really good income and pretty good assets as well.","start_word":957,"end_word":985,"sentiment":"positive","sentiment_score":0.3608619272708893},{"text":"Are you hoping to achieve that just from the super loan, kind of self fund it from that? No. No. Because that more I've got rental rent rents coming in as well. Yep. So I can get some out of that and and super, and I've got my messages cheaper as well. So yeah. But I mean, obviously, the more I've got, the more I can spend.","start_word":986,"end_word":1052,"sentiment":"neutral","sentiment_score":0.1506761610507965},{"text":"Perfect. Perfect.","start_word":1053,"end_word":1054,"sentiment":"positive","sentiment_score":0.5771729350090027},{"text":"So the way I look at it when it comes to longevity of your funds when you're in retirement is you need to be able to pull out a small enough amount that you're not gonna deplete it too quickly. K? Yep. So let's say you've got today you retire, you've got a million dollars in super as an example.","start_word":1055,"end_word":1114,"sentiment":"neutral","sentiment_score":0.1958349645137787},{"text":"If you pull out, say, 5% and you keep it in something nice and conservative, you can pretty much generate a four to 5% return to recoup what you take out of it, if that makes sense.","start_word":1115,"end_word":1151,"sentiment":"positive","sentiment_score":0.49549078941345215},{"text":"Yep. Yep. So what that really leans you towards is based on the mill that you currently have, you're looking at about 50 to a 100,000 that you could take out if you were to retire today as an example. Yeah. So if you build it up a bit further over the next five to six years, let's say you try and push it from 1,000,000 to maybe out 1.5, 1.5, Yeah. 1.6, you could safely generate 75 to a 100,000 just from your super without depleting it too quickly. Yep. Yep. So let's call it kind of just over half of that retirement goal just purely from your super. Add in your partner's super, add in the other rents, and you should be okay. Now just Yep. to kind of tie it all in together, with the incomes that you're currently generating, because you've got the factory, the house, the investment property, do Do you have a just to figure off the top of your head about how much that's currently generating in either gross cash flow or net cash cash flow? Okay. So two rents and that probably generates probably about 5,300 a month. Yep. Yep. K. 5,300 a month coming out of there. And just so I can kind of factor it in, how much super does your partner have? I think 400. K. 400,000. So, realistically, if we can get you guys both combined to a little bit over 2,000,000, you should be there by the age of 67. Yep. K? And then you've got about 63,000 coming in in rents over there.","start_word":1152,"end_word":1418,"sentiment":"neutral","sentiment_score":0.1795780062675476},{"text":"That should pretty much be the goal.","start_word":1419,"end_word":1425,"sentiment":"positive","sentiment_score":0.5262280702590942},{"text":"Would you agree? Yep. Yep.","start_word":1426,"end_word":1430,"sentiment":"neutral","sentiment_score":0.235455185174942},{"text":"Perfect. Perfect.","start_word":1431,"end_word":1432,"sentiment":"positive","sentiment_score":0.7626149654388428},{"text":"When it comes to TTR strategies, people talk about transition to retirement. You've gone through this process a little bit before. When was the last time that you've kind of looked through and talked to an adviser or somebody about what to do with your super? Well, I asked my accountant because I had this mob. I can't remember what they were. They could take we'll we'll take it out and we'll get better returns and all that and said, no. Don't even bother. So that was when I did an attack, which was, I don't know, three or four months ago. Yep. K. Yep. And did they talk you through how a transition strategy works at all? No. K. So all it basically means is that because you're at your preservation age and you're still working, you can access up to 10% of your super. And, basically, what they do is a recontribution where you can take some money out, put it back in again, save a bit on tax, and boost up your super that way. Yep. So, essentially, super tax at 15%. You've got a pretty big income, though, and the split between your base and your gross income, a 185,000 base, 230,000 gross income. Is that just a bit of a bump up from, like, overtime and things like that or bonuses? Partisans. K. So the cap for your concessional contributions is about $30, and you can kind of use up what you haven't used for the last five years going backwards. Have you ever looked at your myGov account to see what you've got lying behind you? Right. Okay. So does that mean because I'm gonna get a like a fairly large bonus this year, Mhmm. which will be November this year. Can Okay. I put a shitload of it into super? Potentially, yes. Okay. Yep. So what I'm sort of thinking, and it may be a bit of a two part strategy that we do with you, is this financial year, we're down to the last three months, and then you've got all of next financial year to consider as well. So when it comes to putting extra into superannuation, would you be wanting to use the bonus you get in November, or do you currently have cash available for this financial year? Yeah. Oh, I'd use my bonus. Because that way, Use I can the bonus. get it put in at the normal rate, can't I? Yes. Yep. So if we look at the bonus in November, what we basically Yep. need to find out is what you've got left over for what you're gonna end up with for this financial year, what Yep. you're likely to use up next financial year when you get that bonus, and then another few years behind that, and then we can kind of tie all that together into one thing. Although, I've been getting fined by the ATO for super contributions of the last couple of years. Yeah. I've So had to you might pay be division two nine money. three. How do I do I take that on my job tonight? Yes. So if you've been getting such big bonuses that you're getting little extra tax liabilities from the government, You're probably hitting division two ninety three tax category. Has your account never mentioned that to you when you last spoke to them? He just keeps forwarding me the amount so I could repay. I I Okay. have to pay, Perfect. but I can just check. Oh, yeah. It's a division two nine three. Yeah. So last one was your additional tax for this invoice is taxable super contribution, 1,722. Additional Yep. tax, June payable, $258. I've had to do them a couple of times. Yep. K. So you've already clicked that out for a couple of years, and your next big bonus is in November. Anything else coming through for the next three months? Yeah. Anything in the next three months, I'll be just getting my normal monthly contributions by work. Okay.","start_word":1433,"end_word":2110,"sentiment":"neutral","sentiment_score":0.05038386115469149},{"text":"Perfect. Perfect.","start_word":2111,"end_word":2112,"sentiment":"positive","sentiment_score":0.4783324003219605},{"text":"The only reason why is I just wanna make sure that I'm careful with how much is gonna go in there for this financial year in case that triggers again, and then that kind of clicks out three of the years potentially for you. It's about less than division.","start_word":2113,"end_word":2161,"sentiment":"neutral","sentiment_score":-0.06425201892852783},{"text":"I can't understand now.","start_word":2162,"end_word":2165,"sentiment":"negative","sentiment_score":-0.35625705122947693},{"text":"This is what I've put in was my contributions. Say, for last financial year were $24,392.45. Yep. And that's for Yeah. 2425 financial year? Oh, that was 2324. Yep. 2324. Are you by any chance in your myGov account at the moment? No. That was K. just When an you email with the phone. that's okay. If you do get a second to go in there, when you go into the super section, there'll be, like, a little bit of a a piggy bank saying, like, a super with a dollar sign, little piggy bank button, and it'll tell you a unused cap. And they pretty much precalculate for you the last five financial years. And I just wanna see if there is anything to use up because since your incomes hit that point from '23 till now, you pretty much got your last chance to use some of that up before it gets wiped out. Oh, you know, from five years ago, you may. Yeah. Correct. So as it's like the walls kind of coming behind you from five years forwards, let's Yeah. say we go two years down the line. Well, now you're up to those years where you're already going over 30,000 Yeah. in, Yeah. like, Yeah. that division two nine three, and Yep.","start_word":2166,"end_word":2382,"sentiment":"neutral","sentiment_score":-0.06716910004615784},{"text":"then that pretty much those years are lost.","start_word":2383,"end_word":2390,"sentiment":"negative","sentiment_score":-0.35767021775245667},{"text":"Yep. Yeah. I know. Yep. You know? Oh, damn. So I just realized it. Well, I'm in my phone. Got a few people I forgot to ring back. So is the way. I remember what it was.","start_word":2391,"end_word":2427,"sentiment":"neutral","sentiment_score":-0.1515059918165207},{"text":"Why am I I am I got it. All I know is they put up fucking stealing money off me.","start_word":2428,"end_word":2447,"sentiment":"negative","sentiment_score":-0.6624541878700256},{"text":"Yep. You're in that position where most tax people in the country are high wage earners, and you get lumped in the category where people call you the mega rich, the 1%, and you get caught with all the taxes. Yeah. It's funny. I'm not I'm hoping mega rich. That's for sure. Yeah. What am I looking at? Few view my my income or super check super. Yep. And there should be something to do with unused caps on there. Oh, it's gone down a bit. Balance as at oh, that was the $30.36. Yeah. They don't update it pretty frequently. So compared to your current statement, it could be Oh, yeah. nine That's months only out. '25. So what am I looking for here? I'm actually gonna bring mine up just so I can kind of show you as well. Just bear with me for a quick moment. Basically looking to try and get onto the super section of it, and there should be a button saying unused cap. I'll kinda show you. And are you in the tax office section of myGov? Yeah. Yeah. Yep. And just on your phone or PC? Fine. Phone. K. So you should have your super section. You got your reported super balance down below. Just like you were saying, that's a little bit on the low side. Although, yeah, that's although that's thirtieth of the sixth, so that's that's, you know, eight months ago. Perfect. So you know the little menu button at the top left of three lines? Yes. Yep. When you go into there, it should say home, tax, super, employment, Yep. and my profile. You wanna Yep. just hit the super button on there and then go into Information. the information button Yep. and then carry forward concessional contributions. Okay. Okay. So so then I did pick up financial year. Yep. Is it currently set to 2526 on your screen? Yep. And just below that little blue box should say unused concessional contributions Yep. And available it's not to carry forward. full. Because the little red circle is not eligible.","start_word":2448,"end_word":2798,"sentiment":"neutral","sentiment_score":-0.023028537248953793},{"text":"Not eligible.","start_word":2799,"end_word":2800,"sentiment":"negative","sentiment_score":-0.35471051931381226},{"text":"Not eligible to carry forward unused concessional contributions kept because the total superannuation balance is 500 k or more at Yeah. the June. Yep. So you cut out from that. The only one they'll let you do is nonconcessional contributions, which you're not gonna get a tax deduction for, unfortunately. Right. In other words, forget that. Yep. Forget that one. And when it comes to transition to retirement, you're getting close to a point where you can switch your super in to a bit of a pension account where it can earn kind of tax free. Whereas everything it currently earns in super, it gets cops about a 15% tax rate on the dividends and the capital Yep. growth. K? At the moment with your age, if you were trying to switch into a transition pension now to pull money out of super, you wouldn't be able to get it back in again for a tax deduction.","start_word":2801,"end_word":2957,"sentiment":"neutral","sentiment_score":-0.10541004687547684},{"text":"So that strategy is kind of a bit moot at that point.","start_word":2958,"end_word":2969,"sentiment":"negative","sentiment_score":-0.49307453632354736},{"text":"Mhmm. The only thing you could do with it is recycle it through as nonconcessional, and that way you don't have to pay tax on your estate if you were to pass away. So whoever inheritance isn't gonna pay tax on it. Yep. Yep. It. Let me just quickly ask you as well because you obviously, Monique's there. I'm assuming you've got it all set up so that she's the first point of receipt in your estate plan. In my what? So as far as, like, estate planning goes, like a beneficiary of who receives your super, a will for Oh, your other yeah. assets, I'm Yep. assuming She you're kind of just she is going to your partner. yeah. She is. But it's well, there's two types. I'm just trying to think it's the it's two types of benefits. I can't remember what what one of these, but it's probably the wrong one. Oh, you mean, like, whether it's like, the terminology as far as lapsing Finding and and not binding? finding that bit. Yep. You've got it as a nonbinding, have you? Yeah. Yep. I don't Yeah. know why I've got back because I don't know what the difference is. I can't All remember of what it? the difference is. Nonbinding means the the trustee or the super fund has discretion to who it goes to. Binding means it's legally binding. And how that usually comes about is if you did a nomination online, they normally set it up as non legally binding unless you actually sign a document that gets witnessed, like an actual legal beneficiary document. Yeah. Yeah. Yeah. Yeah. So it's usually a good idea to get it binding. It just have to go through that extra step of getting it signed on paper with two people witnessing it. Yeah.","start_word":2970,"end_word":3274,"sentiment":"neutral","sentiment_score":0.0017634862949919017},{"text":"So that's the first thing I'm gonna recommend is that we get your estate plan lined up that way.","start_word":3275,"end_word":3293,"sentiment":"positive","sentiment_score":0.417234867811203},{"text":"How's everything looking in terms of, like, will, power of attorney, and so on? Oh, I haven't done any of that. K. I just thought I saw that you did you have an old will that you needed to update, or you've never put one in I've place? got an old one yet. I haven't updated it for twenty five years. Okay. So we've got 25 year old will. We've got a nonbinding beneficiary nomination.","start_word":3294,"end_word":3368,"sentiment":"neutral","sentiment_score":-0.12139137834310532},{"text":"That's a bit uncomfortable.","start_word":3369,"end_word":3372,"sentiment":"negative","sentiment_score":-0.4486555755138397},{"text":"And do you do you remember what a power of attorney does? Yeah. Yep. Yeah.","start_word":3373,"end_word":3387,"sentiment":"neutral","sentiment_score":-0.03392987698316574},{"text":"Perfect.","start_word":3388,"end_word":3388,"sentiment":"positive","sentiment_score":0.4228436946868897},{"text":"I would always recommend you tie them together because even if you get a really fancy will, power of attorney is, like, $25 from the post office just so your partner Okay. can Yep. Yep. access Yep. bank accounts, talk to doctors without having to go to the courts. Yeah. Yeah. Yeah. Okay. K? So we need to get all that fixed up. Have you got a lawyer that you use? No. I haven't used it for ages. So if we did have one, we don't anymore. So Okay. You do have alternatives. So I'll go basic to advance for a moment. If you get a basic will kit or power of attorney from the post office, they're separate. They're, like, $25 from Oz Post. Your situation, you're probably in a little bit too complex to do the cheap will kit from the post office. You Yes. do have the option to go to the public trustee of the state. You know, when you go to the courts, they can also do wills similar to a Yes. solicitor as well. So it really is about how much you wanna pay there. Do you wanna just go to the courthouse, set up an appointment, and put a updated will in place, or do you wanna actually go through with a solicitor and set up things like a have you heard of a testamentary trust before? No. K. So because you have adult children, one of the things that people do in your position is you put in place a will where everyone talks about trust funds at your income level. You don't have to set one up while you're alive. You can have one that triggers with the will. So for example, trust fund gets established a testamentary trust. You pass away, your partner passes away, and then all of a sudden, a family trust absorbs all of your assets. It doesn't Yes. trigger capital gains, tax events, and things like that, and then you can distribute out funds to minor children under 18, adult children above 18, and just be a little bit more strategic about what happens with your assets. Okay. So one of the big things for you isn't even necessarily trying to eke out as many dollars as you can in your super at the moment. We'll we'll look at that, of course, but your estate plan needs to be kind of tightened a little bit. Yeah. Yeah. Yeah. Yep. Now what I'll do is when I put together a plan for you, I'm gonna include some basic information about will, power of attorney, testamentary trust, and so on. That way when you go to speak to someone, you've just some information that you can run through with them, and that gives them a good starting point. Is that okay? Yeah. No Easy done. Easy done. problem. Okay. So estate plan, partner, children. Is there anything else to do with your family that I need to take into account? And I'm gonna ask you a slightly awkward question, but it is important. Is there anyone outside of the family who could contest your will at this point? No. K. No ex spouses or anyone floating around, different countries or anything? No. No. Nothing Perfect. so exotic. So Nothing. Very straightforward. yeah. I got two brothers, and we've all got our own stuff. And Okay. there's no no fights or anything. So yeah. So no. That's it. That's all of us. So Okay. no no Easy. exes, no skeletons, no anything.","start_word":3389,"end_word":3981,"sentiment":"neutral","sentiment_score":0.066853211925665},{"text":"That's actually good to hear because building it all straightforward like you have where you've worked hard and built your assets up makes things a lot easier for everyone.","start_word":3982,"end_word":4010,"sentiment":"positive","sentiment_score":0.6123257279396057},{"text":"You can obviously imagine the the types of scenarios that we get where a client passes away and four, five, six people come out of the woodworks and everyone just fights over their assets until it's zero. Yeah. Yeah. Yeah. Yeah. So there's nothing nothing like that. So which is probably fortunate.","start_word":4011,"end_word":4062,"sentiment":"neutral","sentiment_score":0.11786634474992752},{"text":"Perfect.","start_word":4063,"end_word":4063,"sentiment":"positive","sentiment_score":0.5270240306854248},{"text":"So the main thing for you then is looking after your partner and your four children, and one of your children are 18. Correct? Yeah. Yep. Yep. Okay.","start_word":4064,"end_word":4091,"sentiment":"neutral","sentiment_score":0.1833474189043045},{"text":"Perfect. Perfect.","start_word":4092,"end_word":4093,"sentiment":"positive","sentiment_score":0.42104023694992065},{"text":"So that might be helpful.","start_word":4094,"end_word":4098,"sentiment":"neutral","sentiment_score":0.3207126259803772},{"text":"I'm definitely gonna look at recommending that you set up a testamentary trust will because when you've got minor and adult children, it just makes it a bit easier to look after them Yep. Okay.","start_word":4099,"end_word":4133,"sentiment":"positive","sentiment_score":0.33635827898979187},{"text":"and also helps minimize estate tax as well. Yep. Okay. So just swinging back to the super for a quick moment as well. When it comes to what you were saying about maximizing growth, we go pretty straightforward with the investments that we pick at our view. So portfolios that we build, they're very ETF heavy. You're familiar with ETFs and managed funds. No. K, Paul. So the standard way I would explain it is that your your rest superannuation and most other super funds, they use these managed funds. You send your money to a fund manager. They'll invest it. They charge you fees. And it's usually Mhmm. a decent percentage of your balance to look after it. Whereas with the ETFs that we tend to lean towards, it's a little bit of a purchase to get them up front. So you spend a bit of brokerage like you would if you were buying some stocks.","start_word":4134,"end_word":4290,"sentiment":"neutral","sentiment_score":0.14547098992736476},{"text":"And then once you've got it, it's kind of the lowest investment fee to hold that ongoing for five, ten, fifteen, twenty years. Yep. So one of the things that you can look at is just, you know, minimize your investment fees, and they tend to have much better returns there as well.","start_word":4291,"end_word":4343,"sentiment":"positive","sentiment_score":0.4556005895137787},{"text":"The only, I guess, trick with it is you need a platform or a super fund that can actually access investments Yep. outside of the usual 10. I know rest has usually about thirteen, fourteen options. They don't really give you access to anything outside of that. At Yeah. your balance and your age, look, I'll just be completely honest with you.","start_word":4344,"end_word":4405,"sentiment":"neutral","sentiment_score":0.07597032934427261},{"text":"You can definitely afford to get the better platforms and super funds.","start_word":4406,"end_word":4417,"sentiment":"positive","sentiment_score":0.4190393686294556},{"text":"You don't have to go as far as a self managed super fund because that's can be a little bit complex, so you can go Yep. that way if you want to. But at least get yourself, like, a wrap platform that has those 1,000 options and everything available to you even if it's only an extra couple $100 a year. Okay. Is that something that you would consider where I can do a bit of research and just show you what's out there? Yeah. Absolutely. I'm just thinking it has to be pretty because I'm pretty lazy when it comes to stuff like this. Yep. So I get almost, like, self managed. I wouldn't I'm I just couldn't be bothered. I get you. I'm with you. And, yeah, if it didn't have too much complexity around it, I'll look at it. I'm not saying Okay. I'll go for it because I'm pretty conservative, like, I'm I'm on my second job in the last forty five years, so I don't I don't like change clearly. Yeah. Okay. And yeah. So even if some people say I'd make more sense or maybe it does, but it doesn't mean you have to do it. So K. but it has to be compelling, I guess.","start_word":4418,"end_word":4629,"sentiment":"neutral","sentiment_score":0.03660293404487366},{"text":"Yeah. Okay.","start_word":4630,"end_word":4631,"sentiment":"positive","sentiment_score":0.36912763118743896},{"text":"So let me ask you an important question then. So let's say Yep.","start_word":4632,"end_word":4644,"sentiment":"neutral","sentiment_score":0.30003872513771057},{"text":"that we put together a plan and you're happy with it. You say, you know what? I wanna become a client of Oakview Financial. I want you guys to help me look after these things, and we can talk about super, outside super, all kinds of different areas.","start_word":4645,"end_word":4692,"sentiment":"positive","sentiment_score":0.5022393465042114},{"text":"Yeah. Yeah. Would you be okay with a certain amount of contact from your advisers? So we do offer quarterly, six monthly, and yearly. In order to look after the super and keep it low touch point for you, we do need to have the ability to get in contact with you to say, hey. Oh, We'd yeah. like to change this Yeah. and That that kind yeah. of thing. No. No. For as long as I don't have to do anything. Cool. Okay. So it's mainly Yeah. about, here's a document with our proposed changes. Are you comfortable with what we're proposing so you can sign off on the changes? Yeah. I mean yeah. But you can ring me a 100 times a day. That's fine. As long as I Yep. don't have to actually do anything in, like because I'm I was just saying, don't why have a dog and bark himself? As in, why have a consultant and you do all the work? Like, that's what, you know, Yeah. the Superfund's for to do that stuff. Yes. I'm with you. So there's a couple of options. So if we were to put together a portfolio, we'll try and find you and build you the best portfolio that we can because, again, there's two Yep.","start_word":4693,"end_word":4909,"sentiment":"neutral","sentiment_score":0.13167336583137512},{"text":"thousand options out there, and we wanna put together a portfolio for you to get you a better outcome, a better return.","start_word":4910,"end_word":4931,"sentiment":"positive","sentiment_score":0.44101470708847046},{"text":"Yep. At least, that would require a twelve month review where we actually just talk for thirty minutes and say, hey. This is how it's going. Yeah. What's Yeah. going Yep. on in your life? This is what we'd like to change, and then come Yeah. back for a second call to go through that Yeah. document. Yep. The only other alternative is something called an SMA structure separately managed account, and all that does is it puts a bubble around your portfolio and allows a manager and your adviser to make chops and changes through the year and then send you a change report. Yep. It's a tiny bit more expensive, but a little bit less of a touch point for you. I can go either way. I just wanna make sure that you're comfortable with it. I'd probably do the the constant communication. I'm okay with that.","start_word":4932,"end_word":5080,"sentiment":"neutral","sentiment_score":0.11133006645129032},{"text":"Okay. Perfect. That Yeah. will that'll save us an extra 10 basis points, which would be really good.","start_word":5081,"end_word":5098,"sentiment":"positive","sentiment_score":0.6463647484779358},{"text":"What I'd like to ask you one more thing because, obviously, I'm gonna give you a recommendation of what I think you should do, but I do Yep. need to tailor things a little bit because how it behaves is really important. Because as you watch it every year, need to make sure it's within what you expect. Yep. Simple, simple Yep. question is, you had to pick between lowest fees or paying extra to try and get a higher return, which way does your gut feeling pull you towards? I guess it's relative. It's I'd go whatever the best outcome is. If that's pay more to get more, Yep.","start_word":5099,"end_word":5208,"sentiment":"neutral","sentiment_score":0.20575813949108124},{"text":"I'll probably do that. Perfect.","start_word":5209,"end_word":5213,"sentiment":"positive","sentiment_score":0.41323572397232056},{"text":"So as long as it's all about the end outcome, you don't really have a strong opinion Yeah. Yeah. either Yeah. way. Yeah. Yep. Okay. So what that kind of reveals is we can use a combination of passive or active funds for you and really just trying to get you the best mix one way or the other. Yep. I may even do something called a core and satellite where we use both.","start_word":5214,"end_word":5287,"sentiment":"neutral","sentiment_score":0.11391491442918776},{"text":"We put most of your super in a nice, safe, steady ship with the low fee investments, a couple of little satellites around it, small amounts. They kind of act like sled dogs that pull you along a little bit quicker.","start_word":5288,"end_word":5328,"sentiment":"positive","sentiment_score":0.6137407422065735},{"text":"Yes. K? So I'll show you what that looks like. Risk level. The world at the moment is kind of a bit on fire. How have you found watching your super going up and down? And I know you went through that risk profile questionnaire, and you still came out to be about a four out of five on the risk scale. What are your thoughts on risk? Yeah. On on my side with risk. K. As long as it kind of averages out over the long term. Yeah. Yep. K. I'm gonna propose something, and this is just pure professional judgment here. If you're gonna access your Super 67 or possibly earlier, you don't really have a decade ahead of you to take on too much risk. Okay. Yep. Well, And what what what I've I'm done? Yeah, that's probably yeah. Okay. That's fine. It's a call. k. Is there any sort of strong leanings towards the age of 67 where you go might be earlier, might be later, or you're always gonna do a little bit of work on the side? Well, look, it's as of right now, I'm thinking 67, but it could be earlier because I might get bored and say, no. We're gonna go traveling or whatever. Yeah. That's a possibility. I could even go in two years. I'm not sure. I doubt it, but you never know. K. So what I would then recommend is because you're in when you're at that four out of five growth risk profile, you usually need at least eight to nine years before you start retiring. Because if the market crashes, you need time for it to rebound and get the return that you're aiming for. Yep. If you go high risk, like, you know, a few 35 year olds I recommend go high risk, you need a decade plus. Yeah. Because you're in that kind of middle ground where you're transitioning, still focusing on growth, but also want to protect it, you almost want to kind of go a bit more balanced with it, like a three out of five. 60 to 70% focusing on growth, 30 to 40% focusing on safety. You're probably right. So probably just mix it up a bit like because, again, I'm not I I can I can live without super if I wanted to? Yeah. So I you wouldn't just have to immediately pull it out for a loss if the market was going down. You could have a few no. years No. No. where That's not other funding sources. Yeah. Correct. I've got rent from property, so I can always live on that. Okay. So as a bit of a a middle ground, instead of going for that 60% for a balanced fund, why don't we go, like, 70? Somewhere in between, balance to balance growth, I'll call it. Okay. Yep. That way, you could potentially get slightly, like, even a half peg less of risk than what you're currently taking, hopefully, with Yeah. a bit lower investment fees and a slightly higher return and kind of Yeah. get you that gold triangle almost. Yeah. Yep. K. Balance to balance growth. What I'll do as well is because as advisers, we usually charge about three to 4% upfront to a capped amount of about 4,950 for the initial plan. And then ongoing, if we're managing the super, we usually charge about 1.65% to manage it each year. So I've got to factor in the returns, the fees, both from the super fund and from us and see if I can actually leave you in a better position. Because it's one thing to get Yep. you slightly lower fees and better return, but then if that gets eaten away by our fees, it's not gonna get you in a better spot in five years' time. Yeah. Yeah. Yeah. So what I'm only gonna recommend is if I can get you a better outcome than that. Obviously, I can't guarantee what happens in the stock market. But what I mean Yep.","start_word":5329,"end_word":6007,"sentiment":"neutral","sentiment_score":0.05366265656363455},{"text":"is when all is said and done, we can project out that we can get you in a better position.","start_word":6008,"end_word":6027,"sentiment":"positive","sentiment_score":0.4139246344566345},{"text":"Okay. Yep. K? So I'll factor that in as well. If we can't, I'll let you know. If we can, my job is essentially to hunt around the industry to find you what can. Yeah. Yeah. Okay. K. So at this point, we do up a little bit of a cleaning for the estate planning.","start_word":6028,"end_word":6082,"sentiment":"neutral","sentiment_score":0.1404919475317001},{"text":"We adjust your risk level in the super and get you a better outcome.","start_word":6083,"end_word":6096,"sentiment":"positive","sentiment_score":0.393618106842041},{"text":"I don't think you need to worry too much around doing those contribution strategies because you're already hitting division two nine three. So Yep. you're almost better off focusing more on the personal side of things than just the super. Okay. Can I ask you, do you have any major plans with Yep. accumulating more assets, or are you kind of happy with the ones that you've got? Good question. I've got one of the properties. I've got I was gonna develop and put two units on it. So I was gonna sell some of my cars Yep. and use that to build two units. So that would be I could could sell them or just could lease rent two out, which would give me a lot more, More cash flow. which yeah. Yep. K. And part of the goals that you mentioned to the team was even doing a bit of a slowdown at work over the next five years. Are you still thinking of just kind of taking the foot off the gas a bit and maybe even going part Yeah. time?","start_word":6097,"end_word":6280,"sentiment":"neutral","sentiment_score":0.12116636335849762},{"text":"But financially, the problem still remains the same.","start_word":6281,"end_word":6288,"sentiment":"negative","sentiment_score":-0.36159977316856384},{"text":"That's not what I'll take my foot off and then go get $40 a year or still be similar to what it is. Okay. Perfect. The other reason why I bring that up is if you need to draw down some of your super to supplement your income, we can do that, but I don't wanna Yeah. To do have it too it. early Yep. if you don't need to. Yep. Yep. K. Yes.","start_word":6289,"end_word":6362,"sentiment":"neutral","sentiment_score":-0.07599020004272461},{"text":"I don't plan on doing that.","start_word":6363,"end_word":6368,"sentiment":"negative","sentiment_score":-0.4323490560054779},{"text":"No. K. And still focusing a split between Queensland and Victoria as far as living situation and bouncing Yeah. between That states? well, the the Mhmm. Queensland wants to apply in the sky because at the moment, all the coins are buying up there Yeah. and causing the prices to go through the roof. So I don't wanna be one of them. So that's kind of on hold for a little bit, would you Yeah. say? Yeah. Probably. Yep. Yep. K. Something to come back to. And just out of curiosity as far as investing goes, like, you've got your super, you've got your properties. Are you considering doing any personal investments to try and either grow some wealth or even build some funds up for the children, any of those considerations as well? I've got some more shares and that's all. And I'd I'd I'd stick with that because I'm only because I work here. Yep. But now I don't plan on doing anything else like that, I think.","start_word":6369,"end_word":6538,"sentiment":"neutral","sentiment_score":-0.007175176503027187},{"text":"Perfect.","start_word":6539,"end_word":6539,"sentiment":"positive","sentiment_score":0.5437008738517761},{"text":"If it ever comes to a point where you wanna kind of mimic how your super invest and do a bit personally, we can do that for you as well. But at this point, I'll just let you focus on the properties and the super as the main combination. Yeah. Yes. Yep. Yep. Okay? Last thing I wanted to go through with you, Paul, was just the you've got attached insurances to your rest super. You've got Yep. a little bit of life and disability cover. It's not much, but it's there. 400 Mhmm. thousand of each. Yep. Pretty much knocks out most of the debt that you have left. It looks like you really don't have much in the way of liabilities. You've pretty well paid most everything off. Is that correct? Correct.","start_word":6540,"end_word":6673,"sentiment":"neutral","sentiment_score":0.11990376561880112},{"text":"Fantastic.","start_word":6674,"end_word":6674,"sentiment":"positive","sentiment_score":0.5917394757270813},{"text":"So this $400 pretty much covers your last liability. As you get to the point where you're debt free, you'll come to a point where you don't even need that anymore. Are you wanting to just kind of keep in place what's there, or are you wanting to get rid of it and save the premiums? What are your Oh, thoughts beans. as far as I'd love to I'd love to get rid of them and save the premiums, but but I'll like, if you said it's a good idea to get rid of them, then I'd probably consider it. But I I don't really know because I just thought, oh, well, if something happens, it's $400 that'll pay off. I think one the the only mortgage we've got is about 400 and something. Maybe $4.80 or $4.50 or something like that. Yeah. Then that's it. So after that, it there's no debt on anything. Okay. So when it comes to life and disability insurance, you pass away 400,000, you can never work again 400,000, it'll Yep. pretty much disappear over the next few years when it hits its expiry age, and it probably isn't gonna cost you too much in premiums to keep it there even if just Yep. for three or four years or so. Yep. The one that concerns me a bit is you've got some increased income protection where you're covering yourself for 12,615 a month because you're obviously on a really good income. Yep. When I kind of work that back, let's go $12.06 15. We'll go times 12. It's protecting pretty much an income of over $200,000, but that's where you're paying the most out of your $78,000 worth of premiums, and it'll go Yep. up next year as well. Yep. So So when what do you do suggest? the protection? Get rid of that. Well, this is the question. Because you've hit your I'm just gonna be completely transparent with you. You can't replace that with another policy at your age. It's either keep it and pay for it or not. Like, there's no other insurer I can get you that would offer income protection for someone who's above the age of 60, 61. So this is Yep. kind of your last income protection policy. Should I drop it down, the wage? Potentially, Would that save you've the premium? got you've got a waiting period of sixty days. So Yep. if you're out of work for more than two months, it'll kick in monthly for up to five years. You can extend it out to ninety days if you have the savings and assets behind you where you go, you know what? Only in the worst Yeah. I case can do longer that easy. term scenarios. Yeah. Yeah. Yep. K? So potentially sixty to ninety. And then when it comes to benefit period, you've got it for five years.","start_word":6675,"end_word":7160,"sentiment":"neutral","sentiment_score":0.007783047728424455},{"text":"It's a pretty good middle ground.","start_word":7161,"end_word":7166,"sentiment":"positive","sentiment_score":0.42253419756889343},{"text":"The only one that's more affordable is dropping it to two years worth of benefit, Yep. which Yep. could do, but I might factor in the premiums and see if we can get a reduction quote and just see how that looks like in in five, six years' time. Okay. Because if you can afford it and still get to your goal and have all Yeah. of that I kind think of I mix could of not work for a year and still be okay. So yeah. So are you leaning towards at least keeping it for some protection, yeah. or are you thinking it's just not I'll not I'll necessary? I'll probably keep it, but maybe downgrade it and blow the blow the waiting time out and just do whatever we can to make it cheaper. Yep. I don't know if rest offers a waiting period beyond ninety days. Some funds even do twelve months or two years or something crazy Yep. like that. I'll check it, but at most, I'll just look at the ninety days, see if that'll help. Yep. K. Potentially, leave it at the five or two years. There's no point kind of doing anything other than that. And like I said, I'll factor in all the taxes, premiums, and fees to see what it looks like over the projections as well. Yes. K? I'd I wanna ask you the last one, which is trauma insurance. It's one of those ones that you have to pay out of pocket only to get some a medical lump sum if you have a heart attack, stroke, or cancer. The alternative if you don't get that fourth policy is that you're obviously relying on your family, your spouse, your savings, your assets, and the public health system. Do you have a strong need for looking for some lump sum cover if you were to be diagnosed with cancer or have a heart attack? Not really. Not really. Cool. As long as you're okay with, I guess, transferring the risk to your personal finances and your family, that's okay. Yep. K.","start_word":7167,"end_word":7518,"sentiment":"neutral","sentiment_score":-0.023656275081024927},{"text":"So I've thrown a heap of information at you so far, Paul, but quick recap for you is we're gonna turn down a little bit of the risk on the super, try and optimize the returns a bit, see how that looks, alter the insurances a bit just to give you a bit of affordability and longevity on it, look at the estate planning to get all of that structure in place for your wife and the children.","start_word":7519,"end_word":7596,"sentiment":"positive","sentiment_score":0.3862052857875824},{"text":"How is that sounding at the moment? Yeah. Yep. Cool. Is there any other areas or anything that you feel I've missed so far? Okay. Alright. So when it comes None. to those first things that we spoke about when it comes to the carry forward transition to retirement, I'm likely to hold off on that until November. With the lump sum bonus that you're getting, I would probably more be looking at a non concessional contribution and still giving you access to pull the funds out if you needed to. My last question Yep. for you, Paul, is when you get that bonus, do you know around about how much it might be and what you would wanna Yep. use it? It will be a 120 k. K. Not bad. That'll put you in a bit of a a fun tax bracket for sure. So we've got a 100 That's and what 20 I'm thousand thinking rand. about. What about with the the home that you're currently in at the moment? Is that gonna be your your long term? For the for the future. Yeah. Although, we just had my eldest daughter just bought her own house, so she's moving out in a month. So it's a pretty Okay. big house now, and two of the kids have gone. So we don't know.","start_word":7597,"end_word":7820,"sentiment":"neutral","sentiment_score":0.10414702724665403},{"text":"We could downsize, but well, again, I'm too lazy. It's it's all too hard.","start_word":7821,"end_word":7834,"sentiment":"negative","sentiment_score":-0.37670040130615234},{"text":"So it's not it's we only built the house ten years ago. So Yeah. it's not even old. Okay. So so I'm thinking I'll stay there because, again, I'm just too lazy to go to move. That's fine. So I'll put a note on the file that as far as property moving from your PPR, that might be something that comes up in the next two to five years or so, but nothing that's immediate Yeah. where you need to make Yeah. a Yep. a sea change or a green change. Is that right? Yeah. Yeah. Yeah. Yep.","start_word":7835,"end_word":7932,"sentiment":"neutral","sentiment_score":-0.036347318440675735},{"text":"Perfect. Perfect. Awesome, Paul. I pretty much have everything that I need for the time being.","start_word":7933,"end_word":7948,"sentiment":"positive","sentiment_score":0.4739929139614105},{"text":"I don't think I need any more information or details. I pretty much have enough to go away and put a plan together for you. Do you have any questions for me? Yep. Nothing that comes to mind. No. K. Last thing I'll leave you with is on our website, you will find a financial services guide and an overview services guide. So this Yep. is essentially your consumer protections document. Whenever you work with an adviser, you need to receive a financial services guide. That's got our licensing information in there. It's got all the complaints procedure, Yeah. all of the things that you would need to know about us and your protections legally Yep. as well. So you've got Yep. Oatview, our license, which we're self licensed because we're able to essentially recommend any products that we research, and then you've got the ombudsman and the government bodies in there as well. Okay. As No a worries. quick explanation of myself, so as the senior adviser, I've been in the industry for about twelve years now. You'll find in that services guide my authorized representative number with ASIC, and, essentially, Yep. it'll tell you on the government register all of my history through the industry. So you can kind of follow Okay. me along in the companies Yep. I've worked at. Okay. Now I've essentially been advising for almost twelve years now from the beginning. Yep. I've spent three years training advisers and only just recently gotten back on the tools because I kinda miss talking Okay. to people like yourself. Yep. So I will pretty much be looking after you with a team of advisers and Sevier, our director as well. And, Yep. yeah, just have a look if you've got a minute to go on the website for Oakview Financial. Hello. You can Yep. see a lot more about us as well between now Uh-huh. and Friday. Yep. No worries.","start_word":7949,"end_word":8272,"sentiment":"neutral","sentiment_score":0.06340889467133416},{"text":"Awesome, Paul. Thank you so much Thanks, for your time, Tommy. sir.","start_word":8273,"end_word":8284,"sentiment":"positive","sentiment_score":0.6996872425079346},{"text":"I'll No dive worries. in and Thank you. research, Okay. and No worries. talk to you Friday. Okay.","start_word":8285,"end_word":8302,"sentiment":"neutral","sentiment_score":0.2161485254764557},{"text":"Thanks, Tommy. See See you.","start_word":8303,"end_word":8307,"sentiment":"positive","sentiment_score":0.5070798397064209},{"text":"you later. Bye. Bye.","start_word":8308,"end_word":8311,"sentiment":"neutral","sentiment_score":0.23943811655044556}],"average":{"sentiment":"neutral","sentiment_score":0.0794791393933379}}}}