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Is now still a good time there for you? Fantastic. Do you have access to your email, sir? I just normally send through the advice documents so you can have a look at it with me. Are you able to pull up your email, sir, at the moment? Yes. Fantastic. I'll just press send on that one for you. It'll just come through from. Excellent. And just while that is coming through there, Brahm, when I'll just do a quick security check there with you. And, also, just to confirm, we do record our calls for quality and training purposes. Are you happy for us to proceed with that? Fantastic. And just to do security there, just to confirm, your full name, your date of birth, and address I should have on file? Yep. Beautiful. Thank you so much. Yes. I yeah. Date of birth as well. Sorry. Yep. Beautiful. Thank you so much for that. And how's your day been so far? That's good. That's excellent. Excellent. Has that email popped through to you there at all? No. You're fine. You just let me know to slow down. Sorry about that. Yeah. No. That's okay. That's not a problem at all. Perfect. Yep. Just do that. It'll take you through so you can see the document itself. The one that we are looking at is a statement of advice. It should be the first document there. Beautiful. Notes that has been prepared for yourself, Romain Edlund, as of the 08/05/2026. On the bottom of the first page has my authorized representative number. So I'm a licensed financial adviser with Asic there, and my license number is 1304394. We'll skip a couple of pages. Essentially, I'll just take you to the sections that I need to to make sure you get the information, and then you're welcome to go back and have a really good read of the document, the document outlines as a whole, the recommendations that I'll go through with you, as well as any advantages, disadvantages, and risks involved, and any considerate sorry. Any alternative considerations that we have made as well for you. Okay? Excellent. If I can get you to scroll down to page number three for me, sometimes your document might have it as four, but we have the heading, the scope in of advice section. That's the one you're looking at. Ben has fantastic. So the areas that we are looking at with regards to the advice document are areas of superannuation and investments. The last time we caught up, we did your review, and we had a bit of a look at your superannuation. I noted there might be some changes that we need to make to some of the investments to make sure they continue working harder for you as well. We also did wanna have a look at your super as well as the investment portfolio. We talked about whether you wanted to keep the investment or look at trying to consolidate that in certain ways. So I have done a lot of research around whether or not we keep them as they are or whether we look to move some money into super for you, and I have made a recommendation below, which I'll go through with you. The so your goal when we sort of spoke with regard to your super that was that you were looking to retire around about age 65 and, hopefully, your income of about $1,000 a week. Does that still feel appropriate to your circumstances and your super goal currently? Yeah. That's okay. Excellent. And with the investment, you essentially wanted to keep an emergency buffer and have flexibility within the investment account to pull money out where need be for unexpected needs or discretionary spending and or travel that you definitely would like to do down the track. Have you had any travel plans this year or done anything this year so far? Fantastic. How long for? Oh, that'll be amazing. Everyone here who's been to Japan says it's incredible. Yeah. Absolutely. Yeah. That's okay. No. That's okay. That's not a problem at all. We've also scoped in the estate planning side of things. So one of the things we talked about was that you wanted your super in the event of passing away to be passed to your children in the most tax effective way. So I have made a recommendation to update your beneficiary nomination so that it does reflect the most tax effective way to pass to your children, and I'll go through that shortly as well. Okay. Beautiful. Areas that we're not considering, you did have a goal with your guide to your business to grow and keep building that. We're not providing any additional advice at the moment. And, also, your goal of traveling to Japan for business, we're not scoping anything in with regards to your trip to Japan either. However, down the track, if you wanted additional advice to come back, we can talk about what we're able to provide and assist you in other areas as well. Okay. Excellent. We'll scroll past a couple of pages now. And if I can get you sorry. Just go down to page number 15. I'll start by going through the changes and what I am recommending for you. Okay? Excellent. It'll have investments and a whole big table with lots of red and green and all the investment options noted. That's beautiful. You can sort of see why we like to have the document in front of you to make things a little bit easy when going through it. Essentially, what I am recommending is that with regard to your super and also the investment is that we do look at holding them exactly the way they are. I'm I'm not recommending that we we withdraw anything from the investment account to put in the super at the moment. To give you a bit of a breakdown, I did look at doing so. I did look at the capital gains around doing so and how we could do so. As much as we do have availability and can utilize carry form catch ups and additional contributions to boost up your super, When I sort of looked at the the capital gains consequences of selling anything down now because you are still working and with the estimated income that you've got, it just did not work out into your benefit. Essentially, it would there'll be too much of a capital gains risk on yourself. There are contributions we can make to limit those contribution to limit those capital gains taxes. But in doing so, it didn't really provide you with any great benefit to doing so. So I have recommended that we don't we that we do just keep the super and the investments exactly as they are for the time being. As an alternative, what we can look at doing in the future as a future consideration is to when you do retire and you're depending on what happens with your business and whether you're still able to draw income or whether you keep the business running through retirement, essentially, we look at what your taxable income looks like. Generally speaking, in retirement. If we're not earning any income except from super, because it's a tax free income, our tax free threshold drops below that 18,200 mark. So if you're under that sort of tax free threshold, then we could look at drawing money out of the investment in increments and boosting up your super that way. That way, making sure that the capital gains don't affect you, doing it in smaller increments to make sure we're not overstepping the the tax free threshold or, you know, we're not causing any major capital gains effect for you. It does mean it would be a slower process to sort of transfer money into. The main sort of difference or reason we would look to do that down the track is that when you reach retirement, you everything in the super system becomes fully tax free. You'll be over 60, meet that condition of release. The income that you're drawn drawing out of that is completely tax free to you. By drawing money out of the investment in your own personal name, that income still remains taxable. So you'll still pay income tax and capital gains tax. So if you're earning over the and that always accounted for in your own personal name. So we can look at that down the track, see how things are going when you do retire, and look at strategies and look at those sorts of increments there. But I did factor all of those options in, and it doesn't work in any in your benefit. The last thing we want is to cause more cause you having to pay more tax. There is absolutely no reason to do that, and we wanna make sure you're right. Sorry. Go. Yeah. Mhmm. Yeah. Absolutely. Yep. So once you once you at the moment, the earliest we can access super is 60 so long as we meet a condition of release and fully retire. Your goal age is 65. But at the moment, if you decide at 60 you no longer wanna work, that's absolutely fine. You let me know. We can look at what we can do and strategies to put in place, and we can update the advice to reflect. But, yeah, current currently, once you hit that condition of release and you fully retire, we move you into pension phase. The benefits there are any income you draw at is completely tax free to yourself. You can access all of your super. There's no limitations. They do have a minimum balance that you have to take. At 60 at the current rate, it starts at 4 percent of your balance. And as you get older, that minimum requirement does increase. And the idea is they want you to be accessing your super when you're in pension phase. But the the other benefit to that is that at the moment, whilst you're in that super accumulation phase, your super fund is paying income tax, and it also pays capital gains tax as well. Whereas when you move into that pension phase, your super fund will no longer pay income tax or capital gains tax. So it's a fully tax free kind of system you move into that pension phase, which is kind of cool. Yeah. Yeah. Did you have absolutely. You pay way too much tax. You should be able to enjoy that money that you worked so hard for. When you think about it, your contributions are a portion of your income, and that's considered your taxable income. When you look at that, it's factored into your taxable income at tax time. So, you know, you you've paid tax on that money when it hits the super system. You've earned that money with your hard work. You absolutely deserve to draw it down tax free. Yeah. Yeah. For super or non super? Yeah. So as a you're right. So do you mean for, like, the thresholds? Or yeah. So the tax free threshold is 18,200. Anything between 18,200 to 45,000 is currently taxed at 15%. Once you hit that 45,000 up to a 135,000, it's 30%. This is not including the Medicare levy. Yeah. With the Medicare levy, it's 32%. And then over a 135,000, 37%, and then a 190,000 onwards. We're at 45 with the Medicare levy on top of that. So it is. It absolutely is. So when you think about the difference, the super the super system is more of a tax advantage system because you the income tax inside super for for CGT. Yeah. So much more tax advantaged system, that one. Yep. Yeah. Yeah. Absolutely. No. I definitely agree with that. Well, with the recommendations, as I kinda mentioned, I'm not recommending we take anything out of the investment and deposit to super right now. We'll keep those both separate exactly as they are. It works out to be more advantage for you currently. Within your super, though, I am recommending we do make a bit of a switch to the investments because having a look at some of the investments, there were some underperforming investments, and it was important to maybe look at removing those. Every so often, it is important to update the investments that you do have to continue to have them working harder for you. So with these switches, I'll go through it simply. Let me know if you do have questions. But we are just going to yeah. Selling? Yeah. Yeah. Absolutely. So we'll be selling off the Ben along Australian Equities, which is an actively managed Australian equity fund. That one has been underperforming, so it is important to remove that out and make sure we replace that with something else. We're also gonna be removing the battery and lithium tech has done very well, but it there are other things that we can update to create better returns and a lower cost portfolio. The bank hybrids are being fully removed as well, so they are being phased out by the government in the future. So it is important to remove them now whilst we're making other changes. Otherwise, we hold on to them, and then down the track, we'll have to make that change then. So it's always better to make bigger changes that we know are coming whilst we are already making changes to your suit for that. So those three will sell absolutely. Those three will sell down completely for you. Then we've got the physical gold. Physical gold has done really, really well. You we wanna hold about 10% in your portfolio, which is that second last column there. At the moment, you've got about 8.11%. That's in the third column from the front. So what we wanna do is we wanna buy a little bit more of that, so we're gonna purchase some more physical gold there for you. With the cybersecurity, with the portfolio, we only wanna hold about 5%. You're currently weighted at 8.19%, so it means you're selling a little bit of that off and rebalancing your super back a little bit there. Okay? With the core composite bonds, bonds are more of a defensive investment. We wanna hold about 14%. With your portfolio, you're in more of that growth environment. So you generally see about 80% of your super in those growth investments, and we wanna hold about 20% in defensive lower risk investments. We're actually gonna hold about 14% there, and we just wanna increase from eight to 14%. So it means buying some more of those for you. Okay? With the s and p 500, we wanna hold about 30%. You're a bit underweighted at the moment with 27.64, so it means purchasing some more of the s and p 500. I know there's been a lot happening this year with the with The US and the Iran war. However, The US is still really great to hold. This investment actually tracks the S and P 500 index, so it means that you're always tracking the top 500 companies in The US. The maker of the indices or the investment committed of the indices actually meets every quarter as well. So where a company doesn't meet the criteria to be in that s and p 500 index, they are removed. And then because these other investments are tracking the weighting, they also make those changes following. So it means that when companies don't meet the criteria, they are removed. That replaces something else. So you're always tracking the top 500 companies there to make it easier. Excellent. We've got some VanEck property there at the moment with the newer portfolio. We wanna remove that wholly, so we're gonna sell all of that down. And then we've also got the Raffy a 200. This is tracking some of the top 200 companies on the ASX there. Whilst we do wanna keep Australian exposure, we have that plus the Ben along Australian equities in your older portfolio. We've actually found a way, a much cheaper way to track the top 200 companies, so we are gonna sell that investment off and replace it with something else for you. Okay? We're then also gonna buy into some European exposure and Japanese exposure. You wanna hold 8% Europe and 5% Japan. And then we've got the Vanguard all world ex US. So this is giving you exposure to the entire globe minus The US, and that's because we have the S and P 500 above there. But one of the biggest ways that we can ultimately reduce risk is to diversify. So this newer portfolio is giving you more diversification to help lower the market risk as much as possible, whilst tracking all the different markets around the globe for you. So, having the all world, Vanguard investment is a great way to diversify. And then because we're removing that Australian exposure with the Raffy and the BAN along, we're actually gonna put the sorry, the a 200 in there. This is the BetaShares Australia two 100. It's tracking the top 200 companies on the ASX. It's replacing the other two investments. It actually works out to track much better, but it's also cheaper for your portfolio. And one of the things I wanted to look at was how to minimize fees for you to keep more money invested in your super fund working harder for you. Okay? Excellent. That is a lot. Do you have any questions there so far at all? No. Yeah. Mhmm. Yep. That's correct. Yeah. That is absolutely perfect. That is the percentage. Yeah. So at the end, the target balance is how much you should have invested or as close to within those individual investments that we're purchasing into. Okay. Excellent. These are the ones that we're gonna be changing within your portfolio. Yeah. Yeah. Yep. Beautiful. And then underneath on the next page there, it does note that at the moment, the cash within your super is sitting at about 186%. Realistically, we wanna have most of your funds invested, so it means investing about a bit over $2,000 there to bring your cash down to 1.25%. We never wanna hold more cash than what we actually need to. Okay. Excellent. If I can get you to scroll down for me to page number 18, I can sort of show you the reason behind why we're making these changes. Beautiful. So you've got your super you're sorry? Yep. It is. Yeah. Definitely. So it is still a really good really good super fund. There are some others out there that may be cheaper in administration fees. The cheapest platforms. It is still a great platform out there, and I'm more than happy to keep it for you. There's been no real changes that require it to be reassessed in any other way, and I wanted to make sure we could make changes for you, but also make sure we limited any CGT consequences for your super fund as well. Okay. Excellent. So, essentially, the first column outlines your hub 20 circuit balance at the moment when we did the research. You've got your administration fees, investment fees, any other fees applicable to the super fund, and your ongoing service fee paid by paid to us at the moment for our services. You've got your contributions going in there, and you don't have any insurances, so no insurance premiums coming out. Underneath that, it notes that you're in that growth environment there. And when we look at your older portfolio over the past five years, it's averaged about 9.12%, which isn't bad in any way, shape, or form, but we wanna make sure that you're getting the best. Yeah. Absolute absolutely. Yeah. So when we look at making the changes above there, we do note that there are CGT consequence consequences within your super fund there. And you'll see the 15 o eight in sorry, 15 o four in the differences column. That's the estimated CGT consequence for making the changes to your portfolio. We'd expect your super fund to pay $1,504 in capital gains. That then means the expected starting super balance once we complete the changes around about $336,000.00 5. Underneath that, you've still got your administration fees. They'll stay the same because they're not changing the not changing the platform. But you'll see the investment fees have decreased quite heavily. So the newer portfolio for the first year is expected to save about $725. So that's a pretty decent saving in investment fees to have a cheaper portfolio there for you. Yeah. Underneath that, any other fees applicable are absolutely the same. Your ongoing service fee is the same because the service fee put in place was a dollar figure fee, and then your contributions will continue to go in, so no change there. Below that, you'll see the growth portfolio, the newer portfolio. When we look at the past returns and how this has performed over the same five year period, it has actually provided a greater return. And, essentially, what we wanna look at by utilizing past data is over the past five years, has a portfolio or an investment, how has that performed? And that gives us an idea of what we can expect in the future given the same market conditions. Admittedly, over the past five years, we've seen quite a lot of ups and downs in the market. It hasn't been smooth sailing. So we can sort of see that with this newer portfolio. With the past five years, it has averaged about 11.57%. So we know in the future, it it has the potential to achieve this sort of return moving forward as well. I'm always realistic, and I know I don't expect you to get 11.57% every single year, but it's sort of showing you the average. One year, you might get 15%, 20%. Another year, it might be a five or 6%, but that's sort of looking at the average over the past five years. Okay. Excellent. And if it is able to obtain the same level of return as has in the past, over the next five to ten years, underneath, you can see the projected outcome there. So we can sort of see that if it's able to generate the same sort of performance as well as the fee savings, we can end up within five years a bit over 510,000 or at age 65, around about 713,000 there. I am realistic. And when you retire at age 65, I would not want you to be in this growth environment. So there is a chance that prior to age 65, I wanna look at reducing a risk level with this sort of portfolio. When you sort of look at risk out of, say, a number of things one and five, you're sitting at about a three there. That's not bad, but this sort of portfolio yeah. Yeah. Sort of middle range. This sort of a portfolio suits someone who has at least six years before they're accessing their super or their funds. When you are sort of closer to accessing, I would like to reduce the exposure a little bit, having this sort of portfolio. Whilst you're in the middle range, there has the potential to see a negative return one in every five years. So if you are sort of six years out, I wouldn't want you to see a negative return just before you're wanting to access your super. So we do start to reduce that risk level incrementally as you get closer to accessing your super. Okay? Excellent. The next page down just shows you the annual returns as of between the current and recommended portfolios as they have gone over the past twelve months, three years, five years, and ten years. We just note that in there for you. Okay? Excellent. The the following page gives you a bit of an idea of where we're tracking for. So so long as that we can get, obviously, what's above in the the top sort of column there, when we sort of look at where you're at, what your assets look like over the course of time, this is depending this is showing if you're eligible for age pension as well to sort of supplement when we get to that point, and we'll definitely look at it closer too. But when you sort of get there, looking at your circumstances, you should be able to draw down the income that you're after on a fortnightly basis. Basis. And if we're able to offset that with Centrelink, then we should be able to get you super lasting till around about age 90. This is just giving you a really good overview of where we're tracking for currently. However, this will be looked at in a lot more detail as we get closer. There's other detail as we get closer. There's other strategies that we can put in place to assist you as well, and then we'll kind of keep tracking and looking at how this looks. And when you actually get to the time and start to draw down an income, then we can look at a lot more detail exactly how long that's expected to last for you. Okay? Excellent. Beautiful. The next page down is essentially going through the investment changes with regard to your your personal investment If you can scroll down for me to page number 25, this is running through those. Beautiful. Now I will note you'll probably note that the investment changes are slightly different to what we had recommended with super. So because of the the different tax consequences to your personal investment account, I tried to limit the CGT consequences as much as possible. And with the balance in your investment account being much higher, smaller returns do make a greater difference to growth and income within the fund there. So the portfolio I'm recommending is different just because the the CGT isn't within the fund. It's more affecting your personal. So I'll go through this, and then I'll show you what is sort of looking at. Sorry. With the Benelon Australian Equities, again, we are removing that wholly. We don't wanna keep that in the fund regardless of, you know, the consequences that is down, and it is definitely worth removing completely for you. With the battery and lithium tech, we are looking to keep that within the fund. Look, it hasn't done too bad at all. It's not performing at the moment. If there's a need to remove it in the future, we will. But there was no need to sell it completely out of this portfolio. So I am just reweighting this one and reducing the exposure to 7% for you. Okay? With the bank hybrids, again, these ones are actually being phased out by the government. So we are removing them completely from your portfolio, and we'll replace them with something different. Physical gold, you're a little bit overweight, and you've had some really good growth there, so we're just reducing your exposure to 6% and selling some of that off. With the cybersecurity, again, we're just reweighting and reducing the exposure from 8% to 7%. I'm just kind of rebalancing it back a little bit for you because you've got a bit more exposure than required. And then because the bank hybrids are being removed, we're still replacing that with core composite bonds. With this one, we're gonna hold about 20% of core composite funds. So just increasing your exposure there. This portfolio is also within that growth area, but we're able to increase this exposure to 20% there for you. Okay? The s and p 500, again, we wanna hold some of that. This portfolio, we just wanna hold about 25%. It is slightly different to the super portfolio because this is more of your older portfolio just trying to make slight changes In your older portfolio, it was recommended about 25 of the s and p 500. So we just wanna rebalance that back for you. I didn't wanna kind of increase it to 30% to sort of make two bigger changes because it meant selling off too much of something else, which has more of a tax consequence for you. So we'll just try to minimize the effect on yourself for this one and keep it at 25%, which is still performing quite nicely as well. With the VanEck property, in this personal investment option, we're just gonna reweight increase the exposure to 5%. We are selling VanEck in super. Property hasn't done bad in any way, shape, or form. Within super, it's just the whole overall newer portfolio works better for you. However, in this with this older portfolio, it's still performing quite well. I'll watch it to make sure that if there's any need we need to remove it, that we will. But I as I said, I just wanted to limit the tax consequences with this one. I opted to change minimal investments to make it work better and also just rebalance the other investments for you to make sure you're not overweighted in any way. Okay? So we've got 4.3% there. We wanna hold about 5%. So we're just gonna buy a bit more of the Verdeck property there. We do have the Raffy 200 in here. We can't sell all of that because it was gonna be too much of a tax effect there. So I'm keeping a weighting of 15%. And because realistically, we want we wanna hold about 30% in Australian equities, but also then gonna increase or add the a 200 to 15% as well. That way, you hold 30% of Australian equities, and it's balanced between the a 200, which replaces a ban along Australian equities, but it's also offsetting the Raffy there for you as well. So we didn't have to sell too much of the Raffy in your own personal portfolio. Okay. Excellent. At the moment within your investment account, you're a little bit underweighted in cash. So you've got about 5,349 in cash there. To hold the 1.25% we need, we need to make sure we hold a bit more cash. So we're just gonna add about 1,900 in cash there so that your minimum cash balance is at 7,283, which is the minimum required for the investment account within the hub 24 there. Okay. Excellent. If you get under page 28 for me, this shows you the difference. Perfect. Your balance within that investment account is about $5.82 and 61. In underneath that, again, we've got the admin fees, investment fees noted, any other fees applicable, the ongoing service fee for us. There's no additional contributions going in regularly here at the moment and no insurance premiums being deducted, which is great. You are in that growth environment there. And, again, the older portfolio has kinda averaged about 9.12%. When we sort of look at the CGT consequences, now Hub twenty four actually note the CGT consequences at 47%. So it's kind of overestimated because we're not able to put your your personal tax percentage in there. But, essentially, what'll happen is at the end of the financial year, they provide us a a investment kind of tax statement for you, which you take into account. Yeah. And in there, it'll note the CGT for the changes. But we noted that when we completed the looked at completing the switch to kinda minimize it as much as possible, the expected CGT consequences sitting at $805. So we wanted to actually limit to that as much as possible. Admittedly, CGT is always dependent upon what happens. So depending on how markets react between now to when you sign the document to when we get the switch completed, the CGT could be minimized a little bit more. So it just depends upon how long it actually goes, but this is an estimate based on 47%. Your tax rate on your income is lower than that, so your CGT estimate should be slightly lower, but we wanted to make that overestimated for you for this document so you can see the difference in the expected balance. Okay? Excellent. Yeah. Of course. No. Never. With your personal investment account, you'll get the CGT will be accounted into your end of financial year tax. Yeah. Correct. And that will be part of your tax statement. There is a chance it could be offset by dividends and other things that are coming in, but this is just the estimated CGT that would be expected that you might have to add to your income for the changes there. So, yeah, that that is something. It's only for the personal investment account, not for the super. The super CGT is all dealt with inside the super system. Okay? Yep. Beautiful. I thought when I did this, I thought that one of the things you'll probably notice is the difference in the two portfolios because super is very much different to your personal. I wanted to make sure it's working harder for you, that you're getting good returns, that you're paying lower fees, but I wanted to try and minimize the tax consequences for you because you've had really great growth in that investment account. But when I looked at the total, I looked at selling down a you know, I think it was the 390,000, the 3 100,000, all the different options there, but the tax consequences were within the thousand. So it was not worthwhile doing in any way, shape, or form, which is a benefit because it means that you've got really good growth in the portfolio. It's been working quite well. So we just wanna continue that essentially. Essentially. Yeah. Excellent. Now you'll see there's no difference to the admin fees there. However, the investment fees do change. So we this newer this newer portfolio with the changes that we are making is estimated to reduce your investment fees by $901 for the year. So that is a good advantage for you. No change there to the other fees or the ongoing service fee. At the moment, you're paying a set dollar figure fee. When you're adding review or when everything sort of comes up for renewal in October, we'll touch base then, look at how things are going, and we'll also then talk about the fee structure and how that looks for you moving forward. Okay? Excellent. We'll keep you in that growth environment as well. However, making the changes does show that the newer version of the portfolio has performed greater. So over the past five years, it's averaged about 10.70%. So if we're able to achieve that moving forward over the next five to ten years, your investment could go up to 800,000 or a little over 1,000,000 in ten years' time. So love to see that happening for you, and we'll just make sure we review things to keep you on track and make changes where we need to as well. Okay. Excellent. All good. The only other part of the recommendation to let you know about is the beneficiary side of things. So at the moment in your super, the beneficiary nomination is set up to each of your children at 50% each. Absolutely fine. However, because neither of them are a tax dependent, in the event of you passing away, your super benefit paid out to each of them means that they do pay, tax from the taxable component there. One of the things that you and I talked about was trying to limit that tax consequence on your kids. And because one of your children actually lives in The UK, it is better to structure your beneficiary nomination so that it's paid to your will. That means in the event that you pass away, your super benefit is paid to your estate, lumped in with everything else, and then it is paid out to your beneficiaries. It makes it a much easier way. That way your daughter in The UK can access that with everything else depending on how her everything's set up, whether she chooses to keep it here at a bank account or transfer it over. It is better to do it through your state, but it also limits the amount of tax payable as well. So it it does essentially mean that the benefit the taxable component when paid to beneficiaries, they don't have to pay the Medicare levy. It just sort of reduces the tax that they would have to pay. It's only a little bit, but, you know, reducing taxes is a good thing. I don't agree on tax on death benefits, but, unfortunately, we don't really have a choice. So where we can minimize the tax and maximize the benefit to our beneficiaries is always a positive thing. Does that make sense? Yeah. Nomination called legal personal representative. We just tick that box. That essentially gets added to your super fund, and it means that in the event of passing, the fund goes through and does the claim, and they see that we've nominated your will or your estate through the legal personal representative nomination, and then they will pay everything to your estate, and it will all get debited as per your will. So it is really important that you do have an up to date will that reflects your wishes and have that reviewed by a lawyer on a regular basis to make sure that that is reflective. The same sort of thing does go through your investment account as well because we don't make beneficiary nominations on the investment. That is an automatic estate asset. So having a will to reflect how you want your investment proceeds also paid out to whom and in what percentage is really important to make sure that the amount does get to where you want it to go without having a will and power of attorney that reflects your wishes means that it all goes through probate. A probate is a legal costly process where a judge gets to make a decision, and it's not preferable to anyone. And you've also got your business. You've worked really hard. You've built everything up. So protecting those wishes and having an up to date will is really important to reflect your circumstances. Okay? Excellent. I'm sorry. That is a lot. I know it's a lot, but do you have any questions at the moment? Mhmm. Yep. It should be reflective. So you do wanna make sure that you speak to a solicitor and make sure your will is reflective. Normally, in the body of the will, you just wanna make sure everything is correct. But, normally, a solicitor will talk to you about incorporating the super assets and just noting that, you know, your super assets are to be incorporated into your estate and how you would like that split, whether you want your investment split one way, your super split another way, or whether you want everything lumped together and split out. You can also have trust set up and have, you know, income paid out to people at certain times of the year or at certain ages. There's lots of different ways that you can do that. So it is just worth speaking to a solicitor and having everything set up correctly, but also factoring in your business and making sure that your business is all sort of covered in there as well, the proceeds and what you want to happen to that and all the all the bits and pieces. Yeah. Oh, what? Easy. All good. I'll let you go back and have a really good read of the document as I said I've outlined. All of the all the advantages, disadvantages, and risks involved, any alternatives that we've considered as well. We do also have the fees noted in there. You're paying us that ongoing service fee as a dollar figure split between the super and the investment there. That's not to change, and we'll catch up in October when there is time to review that and update that for the next twelve months. And then depending on how much you like reading, I've also got the hub 24 PDFs attached with the investment and the super side of things. And I've also got our ongoing service sorry. Our financial services guide as that has been updated recently as well. So you're welcome to run your eyes over that and look at any major changes with our ads as well. Okay? Excellent. Feel free to have a read. Let me know if there are any questions. And if you decide you're happy to take on the advice and move forward, we'll just get you to sign and return that back. If any questions come out, I always just say there's no such thing as a silly question. If it's something that you would like to know, you're welcome to let me know, and I'm more than happy to answer it for you. Okay? Oh, good. That's correct. Yeah. You just click on the button. Yeah. Absolutely. Yeah. Yep. And then it should automatically date it. There is a multiline there. So if there's any section of advice or anything you wanna change, you're welcome to make a note in there. That's not normally mandatory. But if it won't let you pass without putting something in that box, just put NA if you're happy with all the recommendations. If there's something you wanna change or alter, you can write a little note in there as well. Okay. Excellent. Yeah. Yeah. Yeah. So we'll it said to it's gonna be takes yeah. Correct. So we start to submit those changes. You might receive emails in the back end to show that we're buying and selling bits and pieces. It can take anywhere up to a couple of weeks to complete the changes. Selling Ben along is a bit of a process because it's a managed fund and it is harder to sell. But majority investors can all be switched within about a week. It's just Benelon can take a little bit longer. So we start that process nice and quick and get it over and done with as quickly as possible for you. Okay. Excellent. All good. Yeah. That's absolutely fine. That's absolutely fine. It's been a pleasure to put this together, and I really enjoyed putting the research together for you as well. So, you know, if there's ever any questions or anything else comes up, please let us know, and I'll definitely make sure we catch up in October to see how things are going, review everything, and I look forward to what we can help you with next year as well. Easy. Once you press sign and it puts your your signature in there, then the date should automatically come up. If it doesn't, just press on the date, and it should happen. And then at at the bottom, there should be another box that's appeared. It should say continue or next or finalized. Next. Perfect. Yep. So just yeah. If there's nothing, you can just put NA. Yeah. And then it should say next or finalized or complete. Yep. Perfect. Shouldn't let you go through that one. There shouldn't be a signature required there. Perfect. And then it will just email us once it's all done, and you'll get an email copy as well. And we can always download and resend them to you if you ever need a copy at any point in time. Okay. Wonderful. Not a problem at all. Thank you so much for your time. I hope you have a lovely afternoon. My pleasure. Thanks, Bronwyn. See you later. 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Bronwyn. This is Dana from Okie Financial. How are you this afternoon? I'm very well. Thank you.\n\nThanks for asking. I had you booked in to go through your updated statement of advice. Is now still a good time there for you? Fantastic. Do you have access to your email, sir?\n\nI just normally send through the advice documents so you can have a look at it with me. Are you able to pull up your email, sir, at the moment? Yes. Fantastic. I'll just press send on that one for you.\n\nIt'll just come through from. Excellent. And just while that is coming through there, Brahm, when I'll just do a quick security check there with you. And, also, just to confirm, we do record our calls for quality and training purposes. Are you happy for us to proceed with that?\n\nFantastic. And just to do security there, just to confirm, your full name, your date of birth, and address I should have on file? Yep. Beautiful. Thank you so much.\n\nYes. I yeah. Date of birth as well. Sorry. Yep.\n\nBeautiful. Thank you so much for that. And how's your day been so far? That's good. That's excellent.\n\nExcellent. Has that email popped through to you there at all? No. You're fine. You just let me know to slow down.\n\nSorry about that. Yeah. No. That's okay. That's not a problem at all.\n\nPerfect. Yep. Just do that. It'll take you through so you can see the document itself. The one that we are looking at is a statement of advice.\n\nIt should be the first document there. Beautiful. Notes that has been prepared for yourself, Romain Edlund, as of the 08/05/2026. On the bottom of the first page has my authorized representative number. So I'm a licensed financial adviser with Asic there, and my license number is 1304394.\n\nWe'll skip a couple of pages. Essentially, I'll just take you to the sections that I need to to make sure you get the information, and then you're welcome to go back and have a really good read of the document, the document outlines as a whole, the recommendations that I'll go through with you, as well as any advantages, disadvantages, and risks involved, and any considerate sorry. Any alternative considerations that we have made as well for you. Okay? Excellent.\n\nIf I can get you to scroll down to page number three for me, sometimes your document might have it as four, but we have the heading, the scope in of advice section. That's the one you're looking at. Ben has fantastic. So the areas that we are looking at with regards to the advice document are areas of superannuation and investments. The last time we caught up, we did your review, and we had a bit of a look at your superannuation.\n\nI noted there might be some changes that we need to make to some of the investments to make sure they continue working harder for you as well. We also did wanna have a look at your super as well as the investment portfolio. We talked about whether you wanted to keep the investment or look at trying to consolidate that in certain ways. So I have done a lot of research around whether or not we keep them as they are or whether we look to move some money into super for you, and I have made a recommendation below, which I'll go through with you. The so your goal when we sort of spoke with regard to your super that was that you were looking to retire around about age 65 and, hopefully, your income of about $1,000 a week.\n\nDoes that still feel appropriate to your circumstances and your super goal currently? Yeah. That's okay. Excellent. And with the investment, you essentially wanted to keep an emergency buffer and have flexibility within the investment account to pull money out where need be for unexpected needs or discretionary spending and or travel that you definitely would like to do down the track.\n\nHave you had any travel plans this year or done anything this year so far? Fantastic. How long for? Oh, that'll be amazing. Everyone here who's been to Japan says it's incredible.\n\nYeah. Absolutely. Yeah. That's okay. No.\n\nThat's okay. That's not a problem at all. We've also scoped in the estate planning side of things. So one of the things we talked about was that you wanted your super in the event of passing away to be passed to your children in the most tax effective way. So I have made a recommendation to update your beneficiary nomination so that it does reflect the most tax effective way to pass to your children, and I'll go through that shortly as well.\n\nOkay. Beautiful. Areas that we're not considering, you did have a goal with your guide to your business to grow and keep building that. We're not providing any additional advice at the moment. And, also, your goal of traveling to Japan for business, we're not scoping anything in with regards to your trip to Japan either.\n\nHowever, down the track, if you wanted additional advice to come back, we can talk about what we're able to provide and assist you in other areas as well. Okay. Excellent. We'll scroll past a couple of pages now. And if I can get you sorry.\n\nJust go down to page number 15. I'll start by going through the changes and what I am recommending for you. Okay? Excellent. It'll have investments and a whole big table with lots of red and green and all the investment options noted.\n\nThat's beautiful. You can sort of see why we like to have the document in front of you to make things a little bit easy when going through it. Essentially, what I am recommending is that with regard to your super and also the investment is that we do look at holding them exactly the way they are. I'm I'm not recommending that we we withdraw anything from the investment account to put in the super at the moment. To give you a bit of a breakdown, I did look at doing so.\n\nI did look at the capital gains around doing so and how we could do so. As much as we do have availability and can utilize carry form catch ups and additional contributions to boost up your super, When I sort of looked at the the capital gains consequences of selling anything down now because you are still working and with the estimated income that you've got, it just did not work out into your benefit. Essentially, it would there'll be too much of a capital gains risk on yourself. There are contributions we can make to limit those contribution to limit those capital gains taxes. But in doing so, it didn't really provide you with any great benefit to doing so.\n\nSo I have recommended that we don't we that we do just keep the super and the investments exactly as they are for the time being. As an alternative, what we can look at doing in the future as a future consideration is to when you do retire and you're depending on what happens with your business and whether you're still able to draw income or whether you keep the business running through retirement, essentially, we look at what your taxable income looks like. Generally speaking, in retirement. If we're not earning any income except from super, because it's a tax free income, our tax free threshold drops below that 18,200 mark. So if you're under that sort of tax free threshold, then we could look at drawing money out of the investment in increments and boosting up your super that way.\n\nThat way, making sure that the capital gains don't affect you, doing it in smaller increments to make sure we're not overstepping the the tax free threshold or, you know, we're not causing any major capital gains effect for you. It does mean it would be a slower process to sort of transfer money into. The main sort of difference or reason we would look to do that down the track is that when you reach retirement, you everything in the super system becomes fully tax free. You'll be over 60, meet that condition of release. The income that you're drawn drawing out of that is completely tax free to you.\n\nBy drawing money out of the investment in your own personal name, that income still remains taxable. So you'll still pay income tax and capital gains tax. So if you're earning over the and that always accounted for in your own personal name. So we can look at that down the track, see how things are going when you do retire, and look at strategies and look at those sorts of increments there. But I did factor all of those options in, and it doesn't work in any in your benefit.\n\nThe last thing we want is to cause more cause you having to pay more tax. There is absolutely no reason to do that, and we wanna make sure you're right. Sorry. Go. Yeah.\n\nMhmm. Yeah. Absolutely. Yep. So once you once you at the moment, the earliest we can access super is 60 so long as we meet a condition of release and fully retire.\n\nYour goal age is 65. But at the moment, if you decide at 60 you no longer wanna work, that's absolutely fine. You let me know. We can look at what we can do and strategies to put in place, and we can update the advice to reflect. But, yeah, current currently, once you hit that condition of release and you fully retire, we move you into pension phase.\n\nThe benefits there are any income you draw at is completely tax free to yourself. You can access all of your super. There's no limitations. They do have a minimum balance that you have to take. At 60 at the current rate, it starts at 4 percent of your balance.\n\nAnd as you get older, that minimum requirement does increase. And the idea is they want you to be accessing your super when you're in pension phase. But the the other benefit to that is that at the moment, whilst you're in that super accumulation phase, your super fund is paying income tax, and it also pays capital gains tax as well. Whereas when you move into that pension phase, your super fund will no longer pay income tax or capital gains tax. So it's a fully tax free kind of system you move into that pension phase, which is kind of cool.\n\nYeah. Yeah. Did you have absolutely. You pay way too much tax. You should be able to enjoy that money that you worked so hard for.\n\nWhen you think about it, your contributions are a portion of your income, and that's considered your taxable income. When you look at that, it's factored into your taxable income at tax time. So, you know, you you've paid tax on that money when it hits the super system. You've earned that money with your hard work. You absolutely deserve to draw it down tax free.\n\nYeah. Yeah. For super or non super? Yeah. So as a you're right.\n\nSo do you mean for, like, the thresholds? Or yeah. So the tax free threshold is 18,200. Anything between 18,200 to 45,000 is currently taxed at 15%. Once you hit that 45,000 up to a 135,000, it's 30%.\n\nThis is not including the Medicare levy. Yeah. With the Medicare levy, it's 32%. And then over a 135,000, 37%, and then a 190,000 onwards. We're at 45 with the Medicare levy on top of that.\n\nSo it is. It absolutely is. So when you think about the difference, the super the super system is more of a tax advantage system because you the income tax inside super for for CGT. Yeah. So much more tax advantaged system, that one.\n\nYep. Yeah. Yeah. Absolutely. No.\n\nI definitely agree with that. Well, with the recommendations, as I kinda mentioned, I'm not recommending we take anything out of the investment and deposit to super right now. We'll keep those both separate exactly as they are. It works out to be more advantage for you currently. Within your super, though, I am recommending we do make a bit of a switch to the investments because having a look at some of the investments, there were some underperforming investments, and it was important to maybe look at removing those.\n\nEvery so often, it is important to update the investments that you do have to continue to have them working harder for you. So with these switches, I'll go through it simply. Let me know if you do have questions. But we are just going to yeah. Selling?\n\nYeah. Yeah. Absolutely. So we'll be selling off the Ben along Australian Equities, which is an actively managed Australian equity fund. That one has been underperforming, so it is important to remove that out and make sure we replace that with something else.\n\nWe're also gonna be removing the battery and lithium tech has done very well, but it there are other things that we can update to create better returns and a lower cost portfolio. The bank hybrids are being fully removed as well, so they are being phased out by the government in the future. So it is important to remove them now whilst we're making other changes. Otherwise, we hold on to them, and then down the track, we'll have to make that change then. So it's always better to make bigger changes that we know are coming whilst we are already making changes to your suit for that.\n\nSo those three will sell absolutely. Those three will sell down completely for you. Then we've got the physical gold. Physical gold has done really, really well. You we wanna hold about 10% in your portfolio, which is that second last column there.\n\nAt the moment, you've got about 8.11%. That's in the third column from the front. So what we wanna do is we wanna buy a little bit more of that, so we're gonna purchase some more physical gold there for you. With the cybersecurity, with the portfolio, we only wanna hold about 5%. You're currently weighted at 8.19%, so it means you're selling a little bit of that off and rebalancing your super back a little bit there.\n\nOkay? With the core composite bonds, bonds are more of a defensive investment. We wanna hold about 14%. With your portfolio, you're in more of that growth environment. So you generally see about 80% of your super in those growth investments, and we wanna hold about 20% in defensive lower risk investments.\n\nWe're actually gonna hold about 14% there, and we just wanna increase from eight to 14%. So it means buying some more of those for you. Okay? With the s and p 500, we wanna hold about 30%. You're a bit underweighted at the moment with 27.64, so it means purchasing some more of the s and p 500.\n\nI know there's been a lot happening this year with the with The US and the Iran war. However, The US is still really great to hold. This investment actually tracks the S and P 500 index, so it means that you're always tracking the top 500 companies in The US. The maker of the indices or the investment committed of the indices actually meets every quarter as well. So where a company doesn't meet the criteria to be in that s and p 500 index, they are removed.\n\nAnd then because these other investments are tracking the weighting, they also make those changes following. So it means that when companies don't meet the criteria, they are removed. That replaces something else. So you're always tracking the top 500 companies there to make it easier. Excellent.\n\nWe've got some VanEck property there at the moment with the newer portfolio. We wanna remove that wholly, so we're gonna sell all of that down. And then we've also got the Raffy a 200. This is tracking some of the top 200 companies on the ASX there. Whilst we do wanna keep Australian exposure, we have that plus the Ben along Australian equities in your older portfolio.\n\nWe've actually found a way, a much cheaper way to track the top 200 companies, so we are gonna sell that investment off and replace it with something else for you. Okay? We're then also gonna buy into some European exposure and Japanese exposure. You wanna hold 8% Europe and 5% Japan. And then we've got the Vanguard all world ex US.\n\nSo this is giving you exposure to the entire globe minus The US, and that's because we have the S and P 500 above there. But one of the biggest ways that we can ultimately reduce risk is to diversify. So this newer portfolio is giving you more diversification to help lower the market risk as much as possible, whilst tracking all the different markets around the globe for you. So, having the all world, Vanguard investment is a great way to diversify. And then because we're removing that Australian exposure with the Raffy and the BAN along, we're actually gonna put the sorry, the a 200 in there.\n\nThis is the BetaShares Australia two 100. It's tracking the top 200 companies on the ASX. It's replacing the other two investments. It actually works out to track much better, but it's also cheaper for your portfolio. And one of the things I wanted to look at was how to minimize fees for you to keep more money invested in your super fund working harder for you.\n\nOkay? Excellent. That is a lot. Do you have any questions there so far at all? No.\n\nYeah. Mhmm. Yep. That's correct. Yeah.\n\nThat is absolutely perfect. That is the percentage. Yeah. So at the end, the target balance is how much you should have invested or as close to within those individual investments that we're purchasing into. Okay.\n\nExcellent. These are the ones that we're gonna be changing within your portfolio. Yeah. Yeah. Yep.\n\nBeautiful. And then underneath on the next page there, it does note that at the moment, the cash within your super is sitting at about 186%. Realistically, we wanna have most of your funds invested, so it means investing about a bit over $2,000 there to bring your cash down to 1.25%. We never wanna hold more cash than what we actually need to. Okay.\n\nExcellent. If I can get you to scroll down for me to page number 18, I can sort of show you the reason behind why we're making these changes. Beautiful. So you've got your super you're sorry? Yep.\n\nIt is. Yeah. Definitely. So it is still a really good really good super fund. There are some others out there that may be cheaper in administration fees.\n\nThe cheapest platforms. It is still a great platform out there, and I'm more than happy to keep it for you. There's been no real changes that require it to be reassessed in any other way, and I wanted to make sure we could make changes for you, but also make sure we limited any CGT consequences for your super fund as well. Okay. Excellent.\n\nSo, essentially, the first column outlines your hub 20 circuit balance at the moment when we did the research. You've got your administration fees, investment fees, any other fees applicable to the super fund, and your ongoing service fee paid by paid to us at the moment for our services. You've got your contributions going in there, and you don't have any insurances, so no insurance premiums coming out. Underneath that, it notes that you're in that growth environment there. And when we look at your older portfolio over the past five years, it's averaged about 9.12%, which isn't bad in any way, shape, or form, but we wanna make sure that you're getting the best.\n\nYeah. Absolute absolutely. Yeah. So when we look at making the changes above there, we do note that there are CGT consequence consequences within your super fund there. And you'll see the 15 o eight in sorry, 15 o four in the differences column.\n\nThat's the estimated CGT consequence for making the changes to your portfolio. We'd expect your super fund to pay $1,504 in capital gains. That then means the expected starting super balance once we complete the changes around about $336,000.00 5. Underneath that, you've still got your administration fees. They'll stay the same because they're not changing the not changing the platform.\n\nBut you'll see the investment fees have decreased quite heavily. So the newer portfolio for the first year is expected to save about $725. So that's a pretty decent saving in investment fees to have a cheaper portfolio there for you. Yeah. Underneath that, any other fees applicable are absolutely the same.\n\nYour ongoing service fee is the same because the service fee put in place was a dollar figure fee, and then your contributions will continue to go in, so no change there. Below that, you'll see the growth portfolio, the newer portfolio. When we look at the past returns and how this has performed over the same five year period, it has actually provided a greater return. And, essentially, what we wanna look at by utilizing past data is over the past five years, has a portfolio or an investment, how has that performed? And that gives us an idea of what we can expect in the future given the same market conditions.\n\nAdmittedly, over the past five years, we've seen quite a lot of ups and downs in the market. It hasn't been smooth sailing. So we can sort of see that with this newer portfolio. With the past five years, it has averaged about 11.57%. So we know in the future, it it has the potential to achieve this sort of return moving forward as well.\n\nI'm always realistic, and I know I don't expect you to get 11.57% every single year, but it's sort of showing you the average. One year, you might get 15%, 20%. Another year, it might be a five or 6%, but that's sort of looking at the average over the past five years. Okay. Excellent.\n\nAnd if it is able to obtain the same level of return as has in the past, over the next five to ten years, underneath, you can see the projected outcome there. So we can sort of see that if it's able to generate the same sort of performance as well as the fee savings, we can end up within five years a bit over 510,000 or at age 65, around about 713,000 there. I am realistic. And when you retire at age 65, I would not want you to be in this growth environment. So there is a chance that prior to age 65, I wanna look at reducing a risk level with this sort of portfolio.\n\nWhen you sort of look at risk out of, say, a number of things one and five, you're sitting at about a three there. That's not bad, but this sort of portfolio yeah. Yeah. Sort of middle range. This sort of a portfolio suits someone who has at least six years before they're accessing their super or their funds.\n\nWhen you are sort of closer to accessing, I would like to reduce the exposure a little bit, having this sort of portfolio. Whilst you're in the middle range, there has the potential to see a negative return one in every five years. So if you are sort of six years out, I wouldn't want you to see a negative return just before you're wanting to access your super. So we do start to reduce that risk level incrementally as you get closer to accessing your super. Okay?\n\nExcellent. The next page down just shows you the annual returns as of between the current and recommended portfolios as they have gone over the past twelve months, three years, five years, and ten years. We just note that in there for you. Okay? Excellent.\n\nThe the following page gives you a bit of an idea of where we're tracking for. So so long as that we can get, obviously, what's above in the the top sort of column there, when we sort of look at where you're at, what your assets look like over the course of time, this is depending this is showing if you're eligible for age pension as well to sort of supplement when we get to that point, and we'll definitely look at it closer too. But when you sort of get there, looking at your circumstances, you should be able to draw down the income that you're after on a fortnightly basis. Basis. And if we're able to offset that with Centrelink, then we should be able to get you super lasting till around about age 90.\n\nThis is just giving you a really good overview of where we're tracking for currently. However, this will be looked at in a lot more detail as we get closer. There's other detail as we get closer. There's other strategies that we can put in place to assist you as well, and then we'll kind of keep tracking and looking at how this looks. And when you actually get to the time and start to draw down an income, then we can look at a lot more detail exactly how long that's expected to last for you.\n\nOkay? Excellent. Beautiful. The next page down is essentially going through the investment changes with regard to your your personal investment If you can scroll down for me to page number 25, this is running through those. Beautiful.\n\nNow I will note you'll probably note that the investment changes are slightly different to what we had recommended with super. So because of the the different tax consequences to your personal investment account, I tried to limit the CGT consequences as much as possible. And with the balance in your investment account being much higher, smaller returns do make a greater difference to growth and income within the fund there. So the portfolio I'm recommending is different just because the the CGT isn't within the fund. It's more affecting your personal.\n\nSo I'll go through this, and then I'll show you what is sort of looking at. Sorry. With the Benelon Australian Equities, again, we are removing that wholly. We don't wanna keep that in the fund regardless of, you know, the consequences that is down, and it is definitely worth removing completely for you. With the battery and lithium tech, we are looking to keep that within the fund.\n\nLook, it hasn't done too bad at all. It's not performing at the moment. If there's a need to remove it in the future, we will. But there was no need to sell it completely out of this portfolio. So I am just reweighting this one and reducing the exposure to 7% for you.\n\nOkay? With the bank hybrids, again, these ones are actually being phased out by the government. So we are removing them completely from your portfolio, and we'll replace them with something different. Physical gold, you're a little bit overweight, and you've had some really good growth there, so we're just reducing your exposure to 6% and selling some of that off. With the cybersecurity, again, we're just reweighting and reducing the exposure from 8% to 7%.\n\nI'm just kind of rebalancing it back a little bit for you because you've got a bit more exposure than required. And then because the bank hybrids are being removed, we're still replacing that with core composite bonds. With this one, we're gonna hold about 20% of core composite funds. So just increasing your exposure there. This portfolio is also within that growth area, but we're able to increase this exposure to 20% there for you.\n\nOkay? The s and p 500, again, we wanna hold some of that. This portfolio, we just wanna hold about 25%. It is slightly different to the super portfolio because this is more of your older portfolio just trying to make slight changes In your older portfolio, it was recommended about 25 of the s and p 500. So we just wanna rebalance that back for you.\n\nI didn't wanna kind of increase it to 30% to sort of make two bigger changes because it meant selling off too much of something else, which has more of a tax consequence for you. So we'll just try to minimize the effect on yourself for this one and keep it at 25%, which is still performing quite nicely as well. With the VanEck property, in this personal investment option, we're just gonna reweight increase the exposure to 5%. We are selling VanEck in super. Property hasn't done bad in any way, shape, or form.\n\nWithin super, it's just the whole overall newer portfolio works better for you. However, in this with this older portfolio, it's still performing quite well. I'll watch it to make sure that if there's any need we need to remove it, that we will. But I as I said, I just wanted to limit the tax consequences with this one. I opted to change minimal investments to make it work better and also just rebalance the other investments for you to make sure you're not overweighted in any way.\n\nOkay? So we've got 4.3% there. We wanna hold about 5%. So we're just gonna buy a bit more of the Verdeck property there. We do have the Raffy 200 in here.\n\nWe can't sell all of that because it was gonna be too much of a tax effect there. So I'm keeping a weighting of 15%. And because realistically, we want we wanna hold about 30% in Australian equities, but also then gonna increase or add the a 200 to 15% as well. That way, you hold 30% of Australian equities, and it's balanced between the a 200, which replaces a ban along Australian equities, but it's also offsetting the Raffy there for you as well. So we didn't have to sell too much of the Raffy in your own personal portfolio.\n\nOkay. Excellent. At the moment within your investment account, you're a little bit underweighted in cash. So you've got about 5,349 in cash there. To hold the 1.25% we need, we need to make sure we hold a bit more cash.\n\nSo we're just gonna add about 1,900 in cash there so that your minimum cash balance is at 7,283, which is the minimum required for the investment account within the hub 24 there. Okay. Excellent. If you get under page 28 for me, this shows you the difference. Perfect.\n\nYour balance within that investment account is about $5.82 and 61. In underneath that, again, we've got the admin fees, investment fees noted, any other fees applicable, the ongoing service fee for us. There's no additional contributions going in regularly here at the moment and no insurance premiums being deducted, which is great. You are in that growth environment there. And, again, the older portfolio has kinda averaged about 9.12%.\n\nWhen we sort of look at the CGT consequences, now Hub twenty four actually note the CGT consequences at 47%. So it's kind of overestimated because we're not able to put your your personal tax percentage in there. But, essentially, what'll happen is at the end of the financial year, they provide us a a investment kind of tax statement for you, which you take into account. Yeah. And in there, it'll note the CGT for the changes.\n\nBut we noted that when we completed the looked at completing the switch to kinda minimize it as much as possible, the expected CGT consequences sitting at $805. So we wanted to actually limit to that as much as possible. Admittedly, CGT is always dependent upon what happens. So depending on how markets react between now to when you sign the document to when we get the switch completed, the CGT could be minimized a little bit more. So it just depends upon how long it actually goes, but this is an estimate based on 47%.\n\nYour tax rate on your income is lower than that, so your CGT estimate should be slightly lower, but we wanted to make that overestimated for you for this document so you can see the difference in the expected balance. Okay? Excellent. Yeah. Of course.\n\nNo. Never. With your personal investment account, you'll get the CGT will be accounted into your end of financial year tax. Yeah. Correct.\n\nAnd that will be part of your tax statement. There is a chance it could be offset by dividends and other things that are coming in, but this is just the estimated CGT that would be expected that you might have to add to your income for the changes there. So, yeah, that that is something. It's only for the personal investment account, not for the super. The super CGT is all dealt with inside the super system.\n\nOkay? Yep. Beautiful. I thought when I did this, I thought that one of the things you'll probably notice is the difference in the two portfolios because super is very much different to your personal. I wanted to make sure it's working harder for you, that you're getting good returns, that you're paying lower fees, but I wanted to try and minimize the tax consequences for you because you've had really great growth in that investment account.\n\nBut when I looked at the total, I looked at selling down a you know, I think it was the 390,000, the 3 100,000, all the different options there, but the tax consequences were within the thousand. So it was not worthwhile doing in any way, shape, or form, which is a benefit because it means that you've got really good growth in the portfolio. It's been working quite well. So we just wanna continue that essentially. Essentially.\n\nYeah. Excellent. Now you'll see there's no difference to the admin fees there. However, the investment fees do change. So we this newer this newer portfolio with the changes that we are making is estimated to reduce your investment fees by $901 for the year.\n\nSo that is a good advantage for you. No change there to the other fees or the ongoing service fee. At the moment, you're paying a set dollar figure fee. When you're adding review or when everything sort of comes up for renewal in October, we'll touch base then, look at how things are going, and we'll also then talk about the fee structure and how that looks for you moving forward. Okay?\n\nExcellent. We'll keep you in that growth environment as well. However, making the changes does show that the newer version of the portfolio has performed greater. So over the past five years, it's averaged about 10.70%. So if we're able to achieve that moving forward over the next five to ten years, your investment could go up to 800,000 or a little over 1,000,000 in ten years' time.\n\nSo love to see that happening for you, and we'll just make sure we review things to keep you on track and make changes where we need to as well. Okay. Excellent. All good. The only other part of the recommendation to let you know about is the beneficiary side of things.\n\nSo at the moment in your super, the beneficiary nomination is set up to each of your children at 50% each. Absolutely fine. However, because neither of them are a tax dependent, in the event of you passing away, your super benefit paid out to each of them means that they do pay, tax from the taxable component there. One of the things that you and I talked about was trying to limit that tax consequence on your kids. And because one of your children actually lives in The UK, it is better to structure your beneficiary nomination so that it's paid to your will.\n\nThat means in the event that you pass away, your super benefit is paid to your estate, lumped in with everything else, and then it is paid out to your beneficiaries. It makes it a much easier way. That way your daughter in The UK can access that with everything else depending on how her everything's set up, whether she chooses to keep it here at a bank account or transfer it over. It is better to do it through your state, but it also limits the amount of tax payable as well. So it it does essentially mean that the benefit the taxable component when paid to beneficiaries, they don't have to pay the Medicare levy.\n\nIt just sort of reduces the tax that they would have to pay. It's only a little bit, but, you know, reducing taxes is a good thing. I don't agree on tax on death benefits, but, unfortunately, we don't really have a choice. So where we can minimize the tax and maximize the benefit to our beneficiaries is always a positive thing. Does that make sense?\n\nYeah. Nomination called legal personal representative. We just tick that box. That essentially gets added to your super fund, and it means that in the event of passing, the fund goes through and does the claim, and they see that we've nominated your will or your estate through the legal personal representative nomination, and then they will pay everything to your estate, and it will all get debited as per your will. So it is really important that you do have an up to date will that reflects your wishes and have that reviewed by a lawyer on a regular basis to make sure that that is reflective.\n\nThe same sort of thing does go through your investment account as well because we don't make beneficiary nominations on the investment. That is an automatic estate asset. So having a will to reflect how you want your investment proceeds also paid out to whom and in what percentage is really important to make sure that the amount does get to where you want it to go without having a will and power of attorney that reflects your wishes means that it all goes through probate. A probate is a legal costly process where a judge gets to make a decision, and it's not preferable to anyone. And you've also got your business.\n\nYou've worked really hard. You've built everything up. So protecting those wishes and having an up to date will is really important to reflect your circumstances. Okay? Excellent.\n\nI'm sorry. That is a lot. I know it's a lot, but do you have any questions at the moment? Mhmm. Yep.\n\nIt should be reflective. So you do wanna make sure that you speak to a solicitor and make sure your will is reflective. Normally, in the body of the will, you just wanna make sure everything is correct. But, normally, a solicitor will talk to you about incorporating the super assets and just noting that, you know, your super assets are to be incorporated into your estate and how you would like that split, whether you want your investment split one way, your super split another way, or whether you want everything lumped together and split out. You can also have trust set up and have, you know, income paid out to people at certain times of the year or at certain ages.\n\nThere's lots of different ways that you can do that. So it is just worth speaking to a solicitor and having everything set up correctly, but also factoring in your business and making sure that your business is all sort of covered in there as well, the proceeds and what you want to happen to that and all the all the bits and pieces. Yeah. Oh, what? Easy.\n\nAll good. I'll let you go back and have a really good read of the document as I said I've outlined. All of the all the advantages, disadvantages, and risks involved, any alternatives that we've considered as well. We do also have the fees noted in there. You're paying us that ongoing service fee as a dollar figure split between the super and the investment there.\n\nThat's not to change, and we'll catch up in October when there is time to review that and update that for the next twelve months. And then depending on how much you like reading, I've also got the hub 24 PDFs attached with the investment and the super side of things. And I've also got our ongoing service sorry. Our financial services guide as that has been updated recently as well. So you're welcome to run your eyes over that and look at any major changes with our ads as well.\n\nOkay? Excellent. Feel free to have a read. Let me know if there are any questions. And if you decide you're happy to take on the advice and move forward, we'll just get you to sign and return that back.\n\nIf any questions come out, I always just say there's no such thing as a silly question. If it's something that you would like to know, you're welcome to let me know, and I'm more than happy to answer it for you. Okay? Oh, good. That's correct.\n\nYeah. You just click on the button. Yeah. Absolutely. Yeah.\n\nYep. And then it should automatically date it. There is a multiline there. So if there's any section of advice or anything you wanna change, you're welcome to make a note in there. That's not normally mandatory.\n\nBut if it won't let you pass without putting something in that box, just put NA if you're happy with all the recommendations. If there's something you wanna change or alter, you can write a little note in there as well. Okay. Excellent. Yeah.\n\nYeah. Yeah. So we'll it said to it's gonna be takes yeah. Correct. So we start to submit those changes.\n\nYou might receive emails in the back end to show that we're buying and selling bits and pieces. It can take anywhere up to a couple of weeks to complete the changes. Selling Ben along is a bit of a process because it's a managed fund and it is harder to sell. But majority investors can all be switched within about a week. It's just Benelon can take a little bit longer.\n\nSo we start that process nice and quick and get it over and done with as quickly as possible for you. Okay. Excellent. All good. Yeah.\n\nThat's absolutely fine. That's absolutely fine. It's been a pleasure to put this together, and I really enjoyed putting the research together for you as well. So, you know, if there's ever any questions or anything else comes up, please let us know, and I'll definitely make sure we catch up in October to see how things are going, review everything, and I look forward to what we can help you with next year as well. Easy.\n\nOnce you press sign and it puts your your signature in there, then the date should automatically come up. If it doesn't, just press on the date, and it should happen. And then at at the bottom, there should be another box that's appeared. It should say continue or next or finalized. Next.\n\nPerfect. Yep. So just yeah. If there's nothing, you can just put NA. Yeah.\n\nAnd then it should say next or finalized or complete. Yep. Perfect. Shouldn't let you go through that one. There shouldn't be a signature required there.\n\nPerfect. And then it will just email us once it's all done, and you'll get an email copy as well. And we can always download and resend them to you if you ever need a copy at any point in time. Okay. Wonderful.\n\nNot a problem at all. Thank you so much for your time. I hope you have a lovely afternoon. My pleasure. Thanks, Bronwyn.\n\nSee you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Bronwyn.","start":5.3599997,"end":6.16,"sentiment":"neutral","sentiment_score":0.08011521771550179},{"text":"This is Dana from Okie Financial.","start":6.16,"end":7.7799997,"sentiment":"neutral","sentiment_score":0.16067650417486826},{"text":"How are you this afternoon?","start":7.9199996,"end":9.22,"sentiment":"neutral","sentiment_score":0.23877009153366088},{"text":"I'm very well.","start":10.719999,"end":11.759999,"sentiment":"positive","sentiment_score":0.6071968674659729},{"text":"Thank you.","start":11.759999,"end":12.08,"sentiment":"positive","sentiment_score":0.6708083152770996}],"sentiment":"neutral","sentiment_score":0.30451928617225754,"num_words":18,"start":5.3599997,"end":12.08},{"sentences":[{"text":"Thanks for asking.","start":12.08,"end":12.96,"sentiment":"positive","sentiment_score":0.6307127674420675},{"text":"I had you booked in to go through your updated statement of advice.","start":12.96,"end":15.695,"sentiment":"neutral","sentiment_score":0.2534276522122897},{"text":"Is now still a good time there for you?","start":15.695,"end":17.635,"sentiment":"neutral","sentiment_score":0.2412369963195589},{"text":"Fantastic.","start":19.615,"end":20.115,"sentiment":"positive","sentiment_score":0.5200452208518982},{"text":"Do you have access to your email, sir?","start":20.975,"end":22.575,"sentiment":"neutral","sentiment_score":0.15488473512232304}],"sentiment":"neutral","sentiment_score":0.26814570146448474,"num_words":34,"start":12.08,"end":22.575},{"sentences":[{"text":"I just normally send through the advice documents so you can have a look at it with me.","start":22.575,"end":26.19,"sentiment":"neutral","sentiment_score":0.1133648128145271},{"text":"Are you able to pull up your email, sir, at the moment?","start":26.27,"end":28.85,"sentiment":"neutral","sentiment_score":0.060495815239846706},{"text":"Yes.","start":30.35,"end":30.85,"sentiment":"neutral","sentiment_score":0.11748842895030975},{"text":"Fantastic.","start":32.11,"end":32.61,"sentiment":"positive","sentiment_score":0.4968092441558838},{"text":"I'll just press send on that one for you.","start":33.95,"end":36.11,"sentiment":"neutral","sentiment_score":0.19762314524915484}],"sentiment":"neutral","sentiment_score":0.1258395705826399,"num_words":41,"start":22.575,"end":36.11},{"sentences":[{"text":"It'll just come through from.","start":36.11,"end":37.41,"sentiment":"neutral","sentiment_score":0.15427715480327606},{"text":"Excellent.","start":40.915,"end":41.075,"sentiment":"positive","sentiment_score":0.3770858645439148},{"text":"And just while that is coming through there, Brahm, when I'll just do a quick security check there with you.","start":41.075,"end":45.655003,"sentiment":"neutral","sentiment_score":0.1912495967000723},{"text":"And, also, just to confirm, we do record our calls for quality and training purposes.","start":45.715,"end":49.315002,"sentiment":"neutral","sentiment_score":0.1524675319592158},{"text":"Are you happy for us to proceed with that?","start":49.315002,"end":51.335,"sentiment":"neutral","sentiment_score":0.2005860557158788}],"sentiment":"neutral","sentiment_score":0.18131502106785774,"num_words":50,"start":36.11,"end":51.335},{"sentences":[{"text":"Fantastic.","start":53.075,"end":53.555,"sentiment":"neutral","sentiment_score":0.31371191143989563},{"text":"And just to do security there, just to confirm, your full name, your date of birth, and address I should have on file?","start":53.555,"end":61.684284,"sentiment":"neutral","sentiment_score":0.12400851171949635},{"text":"Yep.","start":61.87,"end":62.37,"sentiment":"neutral","sentiment_score":0.022444849833846092},{"text":"Beautiful.","start":69.31,"end":69.81,"sentiment":"positive","sentiment_score":0.33347317576408386},{"text":"Thank you so much.","start":69.95,"end":71.17,"sentiment":"neutral","sentiment_score":0.3323277235031128}],"sentiment":"neutral","sentiment_score":0.16170455335328976,"num_words":30,"start":53.075,"end":71.17},{"sentences":[{"text":"Yes.","start":71.229996,"end":71.729996,"sentiment":"neutral","sentiment_score":0.059245262295007706},{"text":"I yeah.","start":71.775,"end":73.535,"sentiment":"neutral","sentiment_score":0.01061729365028441},{"text":"Date of birth as well.","start":73.535,"end":74.415,"sentiment":"neutral","sentiment_score":0.002365594357252121},{"text":"Sorry.","start":74.415,"end":74.735,"sentiment":"neutral","sentiment_score":-0.0004561156965792179},{"text":"Yep.","start":74.735,"end":75.235,"sentiment":"neutral","sentiment_score":0.015680599957704544}],"sentiment":"neutral","sentiment_score":0.010753230564296246,"num_words":10,"start":71.229996,"end":75.235},{"sentences":[{"text":"Beautiful.","start":78.575005,"end":79.055,"sentiment":"neutral","sentiment_score":0.2858542203903198},{"text":"Thank you so much for that.","start":79.055,"end":80.255005,"sentiment":"positive","sentiment_score":0.387884000937144},{"text":"And how's your day been so far?","start":80.255005,"end":82.195,"sentiment":"neutral","sentiment_score":0.1947047391108104},{"text":"That's good.","start":84.335,"end":85.155,"sentiment":"neutral","sentiment_score":0.3199186474084854},{"text":"That's excellent.","start":85.295,"end":86.035,"sentiment":"positive","sentiment_score":0.4441524147987366}],"sentiment":"neutral","sentiment_score":0.3057907513446278,"num_words":18,"start":78.575005,"end":86.035},{"sentences":[{"text":"Excellent.","start":86.255005,"end":86.755005,"sentiment":"neutral","sentiment_score":0.2862739562988281},{"text":"Has that email popped through to you there at all?","start":87.87,"end":90.450005,"sentiment":"neutral","sentiment_score":0.052191768400371076},{"text":"No.","start":92.990005,"end":93.310005,"sentiment":"neutral","sentiment_score":-0.0901304930448532},{"text":"You're fine.","start":93.310005,"end":94.03001,"sentiment":"neutral","sentiment_score":-0.06354039907455444},{"text":"You just let me know to slow down.","start":94.03001,"end":95.630005,"sentiment":"neutral","sentiment_score":-0.09896197728812695}],"sentiment":"neutral","sentiment_score":-0.009123430418019945,"num_words":22,"start":86.255005,"end":95.630005},{"sentences":[{"text":"Sorry about that.","start":95.630005,"end":96.770004,"sentiment":"neutral","sentiment_score":-0.09537096073230107},{"text":"Yeah.","start":107.485,"end":107.965004,"sentiment":"neutral","sentiment_score":0.07622914016246796},{"text":"No.","start":107.965004,"end":108.205,"sentiment":"neutral","sentiment_score":0.07976508140563965},{"text":"That's okay.","start":108.205,"end":108.925,"sentiment":"neutral","sentiment_score":0.11831904202699661},{"text":"That's not a problem at all.","start":108.925,"end":110.705,"sentiment":"neutral","sentiment_score":0.25325820595026016}],"sentiment":"neutral","sentiment_score":0.1250822045482122,"num_words":13,"start":95.630005,"end":110.705},{"sentences":[{"text":"Perfect.","start":117.28,"end":117.78,"sentiment":"neutral","sentiment_score":0.30163154006004333},{"text":"Yep.","start":121.36,"end":121.840004,"sentiment":"neutral","sentiment_score":0.050518881529569626},{"text":"Just do that.","start":121.840004,"end":122.4,"sentiment":"neutral","sentiment_score":0.13569721827904382},{"text":"It'll take you through so you can see the document itself.","start":122.4,"end":125.46,"sentiment":"neutral","sentiment_score":0.06434939835559238},{"text":"The one that we are looking at is a statement of advice.","start":125.68,"end":128.16,"sentiment":"neutral","sentiment_score":0.038616908714175224}],"sentiment":"neutral","sentiment_score":0.06894601296101298,"num_words":28,"start":117.28,"end":128.16},{"sentences":[{"text":"It should be the first document there.","start":128.16,"end":130.215,"sentiment":"neutral","sentiment_score":0.04871385597756931},{"text":"Beautiful.","start":131.555,"end":132.055,"sentiment":"positive","sentiment_score":0.7394115924835205},{"text":"Notes that has been prepared for yourself, Romain Edlund, as of the 08/05/2026.","start":132.75499,"end":137.39499,"sentiment":"neutral","sentiment_score":0.23289051193457383},{"text":"On the bottom of the first page has my authorized representative number.","start":137.39499,"end":140.75499,"sentiment":"neutral","sentiment_score":0.04787806328386068},{"text":"So I'm a licensed financial adviser with Asic there, and my license number is 1304394.","start":140.75499,"end":146.57,"sentiment":"neutral","sentiment_score":0.053636369109153745}],"sentiment":"neutral","sentiment_score":0.11431390698999166,"num_words":48,"start":128.16,"end":146.57},{"sentences":[{"text":"We'll skip a couple of pages.","start":147.19,"end":148.79001,"sentiment":"neutral","sentiment_score":0.019555896520614624},{"text":"Essentially, I'll just take you to the sections that I need to to make sure you get the information, and then you're welcome to go back and have a really good read of the document, the document outlines as a whole, the recommendations that I'll go through with you, as well as any advantages, disadvantages, and risks involved, and any considerate sorry.","start":148.79001,"end":165.63501,"sentiment":"neutral","sentiment_score":0.18744153968028485},{"text":"Any alternative considerations that we have made as well for you.","start":165.63501,"end":169.015,"sentiment":"neutral","sentiment_score":0.09230819818648425},{"text":"Okay?","start":169.075,"end":169.575,"sentiment":"neutral","sentiment_score":0.0737580806016922},{"text":"Excellent.","start":170.97,"end":171.47,"sentiment":"positive","sentiment_score":0.49831461906433105}],"sentiment":"neutral","sentiment_score":0.1645206631977617,"num_words":81,"start":147.19,"end":171.47},{"sentences":[{"text":"If I can get you to scroll down to page number three for me, sometimes your document might have it as four, but we have the heading, the scope in of advice section.","start":171.85,"end":182.11,"sentiment":"neutral","sentiment_score":0.0907597921111367},{"text":"That's the one you're looking at.","start":182.17,"end":183.71,"sentiment":"neutral","sentiment_score":0.06904470734298229},{"text":"Ben has fantastic.","start":184.01001,"end":185.55,"sentiment":"positive","sentiment_score":0.4571320836742719},{"text":"So the areas that we are looking at with regards to the advice document are areas of superannuation and investments.","start":186.335,"end":191.295,"sentiment":"neutral","sentiment_score":0.05100588258355856},{"text":"The last time we caught up, we did your review, and we had a bit of a look at your superannuation.","start":191.295,"end":195.475,"sentiment":"neutral","sentiment_score":0.03443317496705623}],"sentiment":"neutral","sentiment_score":0.07860183085213943,"num_words":83,"start":171.85,"end":195.475},{"sentences":[{"text":"I noted there might be some changes that we need to make to some of the investments to make sure they continue working harder for you as well.","start":195.495,"end":202.07,"sentiment":"neutral","sentiment_score":0.02298217679240874},{"text":"We also did wanna have a look at your super as well as the investment portfolio.","start":202.69,"end":206.79001,"sentiment":"neutral","sentiment_score":0.07438599201850593},{"text":"We talked about whether you wanted to keep the investment or look at trying to consolidate that in certain ways.","start":207.41,"end":211.89,"sentiment":"neutral","sentiment_score":0.02926966790109873},{"text":"So I have done a lot of research around whether or not we keep them as they are or whether we look to move some money into super for you, and I have made a recommendation below, which I'll go through with you.","start":211.89,"end":222.05501,"sentiment":"neutral","sentiment_score":0.10606091729430266},{"text":"The so your goal when we sort of spoke with regard to your super that was that you were looking to retire around about age 65 and, hopefully, your income of about $1,000 a week.","start":223.475,"end":233.79,"sentiment":"neutral","sentiment_score":0.07028228512832096}],"sentiment":"neutral","sentiment_score":0.06647584227923777,"num_words":142,"start":195.495,"end":233.79},{"sentences":[{"text":"Does that still feel appropriate to your circumstances and your super goal currently?","start":233.79,"end":237.89,"sentiment":"neutral","sentiment_score":0.10037653348766841},{"text":"Yeah.","start":240.27,"end":240.77,"sentiment":"neutral","sentiment_score":0.3312053680419922},{"text":"That's okay.","start":240.83,"end":241.73,"sentiment":"positive","sentiment_score":0.4925723373889923},{"text":"Excellent.","start":241.79,"end":242.29,"sentiment":"positive","sentiment_score":0.6341858506202698},{"text":"And with the investment, you essentially wanted to keep an emergency buffer and have flexibility within the investment account to pull money out where need be for unexpected needs or discretionary spending and or travel that you definitely would like to do down the track.","start":242.59,"end":256.59,"sentiment":"neutral","sentiment_score":0.27623593078719244}],"sentiment":"neutral","sentiment_score":0.253000769583929,"num_words":62,"start":233.79,"end":256.59},{"sentences":[{"text":"Have you had any travel plans this year or done anything this year so far?","start":256.75,"end":260.93,"sentiment":"neutral","sentiment_score":0.07875397155682246},{"text":"Fantastic.","start":266.83,"end":267.33,"sentiment":"positive","sentiment_score":0.3589715361595154},{"text":"How long for?","start":267.55,"end":268.61,"sentiment":"neutral","sentiment_score":0.09275837987661362},{"text":"Oh, that'll be amazing.","start":270.83,"end":272.035,"sentiment":"neutral","sentiment_score":0.30647317320108414},{"text":"Everyone here who's been to Japan says it's incredible.","start":272.035,"end":274.535,"sentiment":"positive","sentiment_score":0.35828790068626404}],"sentiment":"neutral","sentiment_score":0.1959075015038252,"num_words":32,"start":256.75,"end":274.535},{"sentences":[{"text":"Yeah.","start":278.515,"end":278.995,"sentiment":"neutral","sentiment_score":0.13853579759597778},{"text":"Absolutely.","start":278.995,"end":279.495,"sentiment":"neutral","sentiment_score":0.1206311509013176},{"text":"Yeah.","start":280.595,"end":281.095,"sentiment":"neutral","sentiment_score":-0.0036557186394929886},{"text":"That's okay.","start":284.355,"end":284.97,"sentiment":"neutral","sentiment_score":-0.007681454531848431},{"text":"No.","start":285.77,"end":285.93,"sentiment":"neutral","sentiment_score":-0.012326817959547045}],"sentiment":"neutral","sentiment_score":0.037970250472426414,"num_words":6,"start":278.515,"end":285.93},{"sentences":[{"text":"That's okay.","start":285.93,"end":286.57,"sentiment":"neutral","sentiment_score":0.02610080037266016},{"text":"That's not a problem at all.","start":286.57,"end":288.27,"sentiment":"neutral","sentiment_score":0.05620018454889456},{"text":"We've also scoped in the estate planning side of things.","start":288.49,"end":291.05,"sentiment":"neutral","sentiment_score":0.0678633090108633},{"text":"So one of the things we talked about was that you wanted your super in the event of passing away to be passed to your children in the most tax effective way.","start":291.05,"end":299.63,"sentiment":"neutral","sentiment_score":0.09811804466880858},{"text":"So I have made a recommendation to update your beneficiary nomination so that it does reflect the most tax effective way to pass to your children, and I'll go through that shortly as well.","start":300.225,"end":309.985,"sentiment":"neutral","sentiment_score":0.11599554231061655}],"sentiment":"neutral","sentiment_score":0.09704359126321617,"num_words":84,"start":285.93,"end":309.985},{"sentences":[{"text":"Okay.","start":309.985,"end":310.485,"sentiment":"neutral","sentiment_score":0.17515406012535095},{"text":"Beautiful.","start":311.345,"end":311.845,"sentiment":"neutral","sentiment_score":0.27356088161468506},{"text":"Areas that we're not considering, you did have a goal with your guide to your business to grow and keep building that.","start":312.41,"end":317.53,"sentiment":"neutral","sentiment_score":0.10075497102331031},{"text":"We're not providing any additional advice at the moment.","start":317.53,"end":319.94998,"sentiment":"neutral","sentiment_score":-0.12376423014534844},{"text":"And, also, your goal of traveling to Japan for business, we're not scoping anything in with regards to your trip to Japan either.","start":320.09,"end":327.995,"sentiment":"neutral","sentiment_score":-0.02856478030266969}],"sentiment":"neutral","sentiment_score":0.015972433678273643,"num_words":56,"start":309.985,"end":327.995},{"sentences":[{"text":"However, down the track, if you wanted additional advice to come back, we can talk about what we're able to provide and assist you in other areas as well.","start":328.615,"end":335.675,"sentiment":"neutral","sentiment_score":0.042059698623829876},{"text":"Okay.","start":335.735,"end":336.235,"sentiment":"neutral","sentiment_score":0.015302322804927826},{"text":"Excellent.","start":337.175,"end":337.675,"sentiment":"neutral","sentiment_score":0.1421675086021423},{"text":"We'll scroll past a couple of pages now.","start":338.80002,"end":340.88,"sentiment":"neutral","sentiment_score":0.05713840923272073},{"text":"And if I can get you sorry.","start":340.88,"end":342.80002,"sentiment":"neutral","sentiment_score":-0.006008273456245661}],"sentiment":"neutral","sentiment_score":0.03896196632969962,"num_words":46,"start":328.615,"end":342.80002},{"sentences":[{"text":"Just go down to page number 15.","start":342.80002,"end":344.58002,"sentiment":"neutral","sentiment_score":0.04144331014582089},{"text":"I'll start by going through the changes and what I am recommending for you.","start":344.64,"end":348.72,"sentiment":"neutral","sentiment_score":0.08305322857839721},{"text":"Okay?","start":348.72,"end":349.22,"sentiment":"neutral","sentiment_score":0.07650665938854218},{"text":"Excellent.","start":350.32,"end":350.82,"sentiment":"positive","sentiment_score":0.573128879070282},{"text":"It'll have investments and a whole big table with lots of red and green and all the investment options noted.","start":352.525,"end":358.865,"sentiment":"neutral","sentiment_score":0.19332596883177758}],"sentiment":"neutral","sentiment_score":0.13881402991192285,"num_words":43,"start":342.80002,"end":358.865},{"sentences":[{"text":"That's beautiful.","start":360.205,"end":361.32498,"sentiment":"positive","sentiment_score":0.7473019361495972},{"text":"You can sort of see why we like to have the document in front of you to make things a little bit easy when going through it.","start":361.32498,"end":367.26498,"sentiment":"neutral","sentiment_score":0.3088669131199519},{"text":"Essentially, what I am recommending is that with regard to your super and also the investment is that we do look at holding them exactly the way they are.","start":369.46,"end":377.3,"sentiment":"neutral","sentiment_score":0.03018029727812471},{"text":"I'm I'm not recommending that we we withdraw anything from the investment account to put in the super at the moment.","start":377.3,"end":382.76,"sentiment":"neutral","sentiment_score":-0.24003735184669495},{"text":"To give you a bit of a breakdown, I did look at doing so.","start":383.175,"end":385.975,"sentiment":"neutral","sentiment_score":-0.022913011323128427}],"sentiment":"neutral","sentiment_score":0.05750185591719484,"num_words":93,"start":360.205,"end":385.975},{"sentences":[{"text":"I did look at the capital gains around doing so and how we could do so.","start":385.975,"end":389.755,"sentiment":"neutral","sentiment_score":-0.018259676289744675},{"text":"As much as we do have availability and can utilize carry form catch ups and additional contributions to boost up your super, When I sort of looked at the the capital gains consequences of selling anything down now because you are still working and with the estimated income that you've got, it just did not work out into your benefit.","start":389.815,"end":408.26,"sentiment":"neutral","sentiment_score":-0.12130066892132163},{"text":"Essentially, it would there'll be too much of a capital gains risk on yourself.","start":409.04,"end":412.77502,"sentiment":"neutral","sentiment_score":-0.23434320464730263},{"text":"There are contributions we can make to limit those contribution to limit those capital gains taxes.","start":412.77502,"end":418.315,"sentiment":"neutral","sentiment_score":-0.1301740282215178},{"text":"But in doing so, it didn't really provide you with any great benefit to doing so.","start":419.095,"end":423.67502,"sentiment":"neutral","sentiment_score":-0.18297857604920864}],"sentiment":"neutral","sentiment_score":-0.13001181548613994,"num_words":122,"start":385.975,"end":423.67502},{"sentences":[{"text":"So I have recommended that we don't we that we do just keep the super and the investments exactly as they are for the time being.","start":424.01,"end":430.99,"sentiment":"neutral","sentiment_score":-0.14700825627033526},{"text":"As an alternative, what we can look at doing in the future as a future consideration is to when you do retire and you're depending on what happens with your business and whether you're still able to draw income or whether you keep the business running through retirement, essentially, we look at what your taxable income looks like.","start":431.77,"end":449.945,"sentiment":"neutral","sentiment_score":-0.008281353672420413},{"text":"Generally speaking, in retirement.","start":450.37,"end":451.73,"sentiment":"neutral","sentiment_score":-0.018856725189834833},{"text":"If we're not earning any income except from super, because it's a tax free income, our tax free threshold drops below that 18,200 mark.","start":451.73,"end":461.33,"sentiment":"neutral","sentiment_score":-0.05660923725614945},{"text":"So if you're under that sort of tax free threshold, then we could look at drawing money out of the investment in increments and boosting up your super that way.","start":461.33,"end":471.485,"sentiment":"neutral","sentiment_score":0.28070610724389555}],"sentiment":"neutral","sentiment_score":0.018905643988597457,"num_words":142,"start":424.01,"end":471.485},{"sentences":[{"text":"That way, making sure that the capital gains don't affect you, doing it in smaller increments to make sure we're not overstepping the the tax free threshold or, you know, we're not causing any major capital gains effect for you.","start":471.54498,"end":483.91998,"sentiment":"neutral","sentiment_score":0.1880196237936616},{"text":"It does mean it would be a slower process to sort of transfer money into.","start":483.91998,"end":487.69998,"sentiment":"neutral","sentiment_score":-0.028257151196400324},{"text":"The main sort of difference or reason we would look to do that down the track is that when you reach retirement, you everything in the super system becomes fully tax free.","start":488.56,"end":497.805,"sentiment":"neutral","sentiment_score":0.25093626300804317},{"text":"You'll be over 60, meet that condition of release.","start":498.10498,"end":500.525,"sentiment":"neutral","sentiment_score":0.18776514132817587},{"text":"The income that you're drawn drawing out of that is completely tax free to you.","start":501.06497,"end":505.31003,"sentiment":"neutral","sentiment_score":0.2852715621391932}],"sentiment":"neutral","sentiment_score":0.1900526829198137,"num_words":111,"start":471.54498,"end":505.31003},{"sentences":[{"text":"By drawing money out of the investment in your own personal name, that income still remains taxable.","start":505.69,"end":512.83,"sentiment":"neutral","sentiment_score":0.10529823864207548},{"text":"So you'll still pay income tax and capital gains tax.","start":513.05,"end":516.11,"sentiment":"neutral","sentiment_score":0.09039958119392395},{"text":"So if you're earning over the and that always accounted for in your own personal name.","start":516.33,"end":522.22504,"sentiment":"neutral","sentiment_score":0.1195574882440269},{"text":"So we can look at that down the track, see how things are going when you do retire, and look at strategies and look at those sorts of increments there.","start":522.22504,"end":529.505,"sentiment":"neutral","sentiment_score":0.1963292787472407},{"text":"But I did factor all of those options in, and it doesn't work in any in your benefit.","start":529.505,"end":535.11,"sentiment":"neutral","sentiment_score":-0.03419784394403299}],"sentiment":"neutral","sentiment_score":0.10858574562839099,"num_words":91,"start":505.69,"end":535.11},{"sentences":[{"text":"The last thing we want is to cause more cause you having to pay more tax.","start":535.11,"end":539.61,"sentiment":"negative","sentiment_score":-0.5511562693864107},{"text":"There is absolutely no reason to do that, and we wanna make sure you're right.","start":539.99,"end":544.31,"sentiment":"neutral","sentiment_score":-0.05171067441503207},{"text":"Sorry.","start":544.31,"end":544.63,"sentiment":"neutral","sentiment_score":-0.13874155282974243},{"text":"Go.","start":544.63,"end":544.79,"sentiment":"neutral","sentiment_score":-0.04689165577292442},{"text":"Yeah.","start":544.79,"end":545.29,"sentiment":"neutral","sentiment_score":-0.05038736015558243}],"sentiment":"neutral","sentiment_score":-0.2891229704460677,"num_words":34,"start":535.11,"end":545.29},{"sentences":[{"text":"Mhmm.","start":551.05505,"end":551.55505,"sentiment":"neutral","sentiment_score":-0.03942842781543732},{"text":"Yeah.","start":557.375,"end":557.695,"sentiment":"neutral","sentiment_score":0.18772009015083313},{"text":"Absolutely.","start":557.695,"end":558.195,"sentiment":"neutral","sentiment_score":0.2906336188316345},{"text":"Yep.","start":558.655,"end":559.135,"sentiment":"neutral","sentiment_score":0.20946556329727173},{"text":"So once you once you at the moment, the earliest we can access super is 60 so long as we meet a condition of release and fully retire.","start":559.135,"end":566.47,"sentiment":"neutral","sentiment_score":0.14516255498996802}],"sentiment":"neutral","sentiment_score":0.14727944950573146,"num_words":32,"start":551.05505,"end":566.47},{"sentences":[{"text":"Your goal age is 65.","start":567.32996,"end":569.81,"sentiment":"neutral","sentiment_score":0.08724010437726974},{"text":"But at the moment, if you decide at 60 you no longer wanna work, that's absolutely fine.","start":569.81,"end":574.37,"sentiment":"neutral","sentiment_score":0.016943018006927827},{"text":"You let me know.","start":574.37,"end":575.08997,"sentiment":"neutral","sentiment_score":0.06350934284273535},{"text":"We can look at what we can do and strategies to put in place, and we can update the advice to reflect.","start":575.08997,"end":580.15497,"sentiment":"neutral","sentiment_score":0.11253155259923502},{"text":"But, yeah, current currently, once you hit that condition of release and you fully retire, we move you into pension phase.","start":580.695,"end":586.635,"sentiment":"neutral","sentiment_score":0.05488851045568784}],"sentiment":"neutral","sentiment_score":0.06676263878445911,"num_words":69,"start":567.32996,"end":586.635},{"sentences":[{"text":"The benefits there are any income you draw at is completely tax free to yourself.","start":587.015,"end":591.02997,"sentiment":"neutral","sentiment_score":0.22703438897927603},{"text":"You can access all of your super.","start":591.02997,"end":593.13,"sentiment":"positive","sentiment_score":0.3531987539359501},{"text":"There's no limitations.","start":593.35,"end":594.33,"sentiment":"neutral","sentiment_score":0.2094966471195221},{"text":"They do have a minimum balance that you have to take.","start":594.63,"end":597.45,"sentiment":"neutral","sentiment_score":0.19664852863008325},{"text":"At 60 at the current rate, it starts at 4 percent of your balance.","start":598.07,"end":601.85,"sentiment":"neutral","sentiment_score":0.17064174264669418}],"sentiment":"neutral","sentiment_score":0.22117030531167983,"num_words":50,"start":587.015,"end":601.85},{"sentences":[{"text":"And as you get older, that minimum requirement does increase.","start":602.14996,"end":605.865,"sentiment":"neutral","sentiment_score":0.1351999893784523},{"text":"And the idea is they want you to be accessing your super when you're in pension phase.","start":605.865,"end":610.125,"sentiment":"neutral","sentiment_score":0.25325419972924623},{"text":"But the the other benefit to that is that at the moment, whilst you're in that super accumulation phase, your super fund is paying income tax, and it also pays capital gains tax as well.","start":611.385,"end":622.2,"sentiment":"neutral","sentiment_score":0.14797689744404385},{"text":"Whereas when you move into that pension phase, your super fund will no longer pay income tax or capital gains tax.","start":622.34,"end":628.5,"sentiment":"neutral","sentiment_score":0.15889375053700946},{"text":"So it's a fully tax free kind of system you move into that pension phase, which is kind of cool.","start":628.5,"end":634.32495,"sentiment":"positive","sentiment_score":0.3352728858590126}],"sentiment":"neutral","sentiment_score":0.2027062056134048,"num_words":103,"start":602.14996,"end":634.32495},{"sentences":[{"text":"Yeah.","start":636.305,"end":636.805,"sentiment":"neutral","sentiment_score":0.20651835203170776},{"text":"Yeah.","start":636.865,"end":637.365,"sentiment":"neutral","sentiment_score":0.17227482795715332},{"text":"Did you have absolutely.","start":637.425,"end":641.26495,"sentiment":"neutral","sentiment_score":0.12937643937766552},{"text":"You pay way too much tax.","start":641.26495,"end":642.945,"sentiment":"neutral","sentiment_score":0.08735319972038269},{"text":"You should be able to enjoy that money that you worked so hard for.","start":642.945,"end":645.91003,"sentiment":"positive","sentiment_score":0.4549760563032968}],"sentiment":"neutral","sentiment_score":0.2996185740026144,"num_words":26,"start":636.305,"end":645.91003},{"sentences":[{"text":"When you think about it, your contributions are a portion of your income, and that's considered your taxable income.","start":645.91003,"end":651.67004,"sentiment":"neutral","sentiment_score":0.07341638266255981},{"text":"When you look at that, it's factored into your taxable income at tax time.","start":651.67004,"end":655.11005,"sentiment":"neutral","sentiment_score":0.04739225469529629},{"text":"So, you know, you you've paid tax on that money when it hits the super system.","start":655.11005,"end":659.805,"sentiment":"neutral","sentiment_score":0.14169396832585335},{"text":"You've earned that money with your hard work.","start":659.805,"end":661.96497,"sentiment":"positive","sentiment_score":0.37612584233283997},{"text":"You absolutely deserve to draw it down tax free.","start":661.96497,"end":664.845,"sentiment":"neutral","sentiment_score":0.29780548645390403}],"sentiment":"neutral","sentiment_score":0.15173882494370142,"num_words":66,"start":645.91003,"end":664.845},{"sentences":[{"text":"Yeah.","start":664.845,"end":665.345,"sentiment":"neutral","sentiment_score":0.13790112733840942},{"text":"Yeah.","start":666.52496,"end":667.02496,"sentiment":"neutral","sentiment_score":0.018473874777555466},{"text":"For super or non super?","start":671.40497,"end":673.62,"sentiment":"neutral","sentiment_score":-0.010833337903022766},{"text":"Yeah.","start":677.36,"end":677.68,"sentiment":"neutral","sentiment_score":0.022925056517124176},{"text":"So as a you're right.","start":677.68,"end":679.36,"sentiment":"neutral","sentiment_score":0.018122734874486922}],"sentiment":"neutral","sentiment_score":0.01659592642233922,"num_words":13,"start":664.845,"end":679.36},{"sentences":[{"text":"So do you mean for, like, the thresholds?","start":679.36,"end":681.22,"sentiment":"neutral","sentiment_score":-0.012507703970186412},{"text":"Or yeah.","start":681.52,"end":684.64,"sentiment":"neutral","sentiment_score":0.0014464748091995707},{"text":"So the tax free threshold is 18,200.","start":684.64,"end":688.175,"sentiment":"neutral","sentiment_score":0.011684445897117257},{"text":"Anything between 18,200 to 45,000 is currently taxed at 15%.","start":688.955,"end":694.175,"sentiment":"neutral","sentiment_score":-0.08270832933485509},{"text":"Once you hit that 45,000 up to a 135,000, it's 30%.","start":694.395,"end":700.05,"sentiment":"neutral","sentiment_score":-0.06529278037222949}],"sentiment":"neutral","sentiment_score":-0.04107056416595649,"num_words":38,"start":679.36,"end":700.05},{"sentences":[{"text":"This is not including the Medicare levy.","start":700.29,"end":702.79,"sentiment":"neutral","sentiment_score":-0.08713747773851667},{"text":"Yeah.","start":703.25,"end":703.57,"sentiment":"neutral","sentiment_score":0.01958506181836128},{"text":"With the Medicare levy, it's 32%.","start":703.57,"end":705.99,"sentiment":"neutral","sentiment_score":0.03198489733040333},{"text":"And then over a 135,000, 37%, and then a 190,000 onwards.","start":706.85,"end":713.49,"sentiment":"neutral","sentiment_score":0.014436864632774483},{"text":"We're at 45 with the Medicare levy on top of that.","start":713.49,"end":716.545,"sentiment":"neutral","sentiment_score":0.030617201362143864}],"sentiment":"neutral","sentiment_score":0.0026979674326462876,"num_words":36,"start":700.29,"end":716.545},{"sentences":[{"text":"So it is.","start":716.545,"end":718.945,"sentiment":"neutral","sentiment_score":0.1209072545170784},{"text":"It absolutely is.","start":718.945,"end":720.065,"sentiment":"positive","sentiment_score":0.3877876003583272},{"text":"So when you think about the difference, the super the super system is more of a tax advantage system because you the income tax inside super for for CGT.","start":720.065,"end":741.54,"sentiment":"neutral","sentiment_score":0.009267236009753984},{"text":"Yeah.","start":742.21497,"end":742.695,"sentiment":"neutral","sentiment_score":0.07981977611780167},{"text":"So much more tax advantaged system, that one.","start":742.695,"end":746.15497,"sentiment":"neutral","sentiment_score":0.2093301471322775}],"sentiment":"neutral","sentiment_score":0.08066580368375237,"num_words":44,"start":716.545,"end":746.15497},{"sentences":[{"text":"Yep.","start":758.24,"end":758.74,"sentiment":"neutral","sentiment_score":0.010496589355170729},{"text":"Yeah.","start":761.88,"end":762.38,"sentiment":"neutral","sentiment_score":0.008630277588963509},{"text":"Yeah.","start":765.52,"end":766.02,"sentiment":"neutral","sentiment_score":0.033351968973875046},{"text":"Absolutely.","start":767.36,"end":767.86,"sentiment":"neutral","sentiment_score":0.11560288071632384},{"text":"No.","start":769.36,"end":769.52,"sentiment":"neutral","sentiment_score":-0.048781756311655045}],"sentiment":"neutral","sentiment_score":0.023859992064535616,"num_words":5,"start":758.24,"end":769.52},{"sentences":[{"text":"I definitely agree with that.","start":769.52,"end":771.12,"sentiment":"neutral","sentiment_score":0.08433867990970612},{"text":"Well, with the recommendations, as I kinda mentioned, I'm not recommending we take anything out of the investment and deposit to super right now.","start":771.12,"end":777.465,"sentiment":"neutral","sentiment_score":-0.18987603889157376},{"text":"We'll keep those both separate exactly as they are.","start":777.465,"end":780.265,"sentiment":"neutral","sentiment_score":-0.10324279384480582},{"text":"It works out to be more advantage for you currently.","start":780.265,"end":782.84503,"sentiment":"neutral","sentiment_score":-0.030611153692007065},{"text":"Within your super, though, I am recommending we do make a bit of a switch to the investments because having a look at some of the investments, there were some underperforming investments, and it was important to maybe look at removing those.","start":783.78503,"end":795.44,"sentiment":"neutral","sentiment_score":-0.06918136740014666}],"sentiment":"neutral","sentiment_score":-0.09195828495754135,"num_words":90,"start":769.52,"end":795.44},{"sentences":[{"text":"Every so often, it is important to update the investments that you do have to continue to have them working harder for you.","start":795.98,"end":802.555,"sentiment":"neutral","sentiment_score":-0.0011980391067007313},{"text":"So with these switches, I'll go through it simply.","start":802.77496,"end":805.33496,"sentiment":"neutral","sentiment_score":0.32962847749392193},{"text":"Let me know if you do have questions.","start":805.33496,"end":807.115,"sentiment":"neutral","sentiment_score":0.24235924147069454},{"text":"But we are just going to yeah.","start":808.055,"end":810.235,"sentiment":"neutral","sentiment_score":-0.014124405171189989},{"text":"Selling?","start":813.65497,"end":814.15497,"sentiment":"neutral","sentiment_score":-0.02914474532008171}],"sentiment":"neutral","sentiment_score":0.09895749475496511,"num_words":48,"start":795.98,"end":814.15497},{"sentences":[{"text":"Yeah.","start":814.535,"end":815.01495,"sentiment":"neutral","sentiment_score":0.03932138904929161},{"text":"Yeah.","start":815.01495,"end":815.33496,"sentiment":"neutral","sentiment_score":0.1293851137161255},{"text":"Absolutely.","start":815.33496,"end":815.83496,"sentiment":"positive","sentiment_score":0.3625267744064331},{"text":"So we'll be selling off the Ben along Australian Equities, which is an actively managed Australian equity fund.","start":816.74,"end":822.27997,"sentiment":"neutral","sentiment_score":0.00903694574824638},{"text":"That one has been underperforming, so it is important to remove that out and make sure we replace that with something else.","start":822.58,"end":829.405,"sentiment":"neutral","sentiment_score":-0.31884497607296164}],"sentiment":"neutral","sentiment_score":-0.14699281797592723,"num_words":43,"start":814.535,"end":829.405},{"sentences":[{"text":"We're also gonna be removing the battery and lithium tech has done very well, but it there are other things that we can update to create better returns and a lower cost portfolio.","start":829.78503,"end":839.72504,"sentiment":"neutral","sentiment_score":0.06837822451735988},{"text":"The bank hybrids are being fully removed as well, so they are being phased out by the government in the future.","start":841.22504,"end":846.96,"sentiment":"neutral","sentiment_score":-0.16967950477486565},{"text":"So it is important to remove them now whilst we're making other changes.","start":846.96,"end":850.4,"sentiment":"neutral","sentiment_score":-0.11901003236954029},{"text":"Otherwise, we hold on to them, and then down the track, we'll have to make that change then.","start":850.4,"end":854.80005,"sentiment":"neutral","sentiment_score":-0.14612358518772656},{"text":"So it's always better to make bigger changes that we know are coming whilst we are already making changes to your suit for that.","start":854.80005,"end":862.165,"sentiment":"neutral","sentiment_score":-0.07611389318481088}],"sentiment":"neutral","sentiment_score":-0.06707226221851252,"num_words":109,"start":829.78503,"end":862.165},{"sentences":[{"text":"So those three will sell absolutely.","start":862.165,"end":865.625,"sentiment":"neutral","sentiment_score":-0.26984067757924396},{"text":"Those three will sell down completely for you.","start":867.125,"end":869.64,"sentiment":"neutral","sentiment_score":0.14657212235033512},{"text":"Then we've got the physical gold.","start":869.64,"end":871.48004,"sentiment":"neutral","sentiment_score":0.06894207932054996},{"text":"Physical gold has done really, really well.","start":871.48004,"end":873.72003,"sentiment":"neutral","sentiment_score":0.2752468181507928},{"text":"You we wanna hold about 10% in your portfolio, which is that second last column there.","start":873.72003,"end":878.78,"sentiment":"neutral","sentiment_score":0.06580819794908166}],"sentiment":"neutral","sentiment_score":0.06853126240677612,"num_words":43,"start":862.165,"end":878.78},{"sentences":[{"text":"At the moment, you've got about 8.11%.","start":879.72003,"end":882.58496,"sentiment":"neutral","sentiment_score":0.019359402624624118},{"text":"That's in the third column from the front.","start":882.58496,"end":884.925,"sentiment":"neutral","sentiment_score":0.029468820430338383},{"text":"So what we wanna do is we wanna buy a little bit more of that, so we're gonna purchase some more physical gold there for you.","start":885.38495,"end":891.165,"sentiment":"neutral","sentiment_score":0.11176503406694302},{"text":"With the cybersecurity, with the portfolio, we only wanna hold about 5%.","start":892.50494,"end":896.58496,"sentiment":"neutral","sentiment_score":0.054399061016738415},{"text":"You're currently weighted at 8.19%, so it means you're selling a little bit of that off and rebalancing your super back a little bit there.","start":896.58496,"end":904.44,"sentiment":"neutral","sentiment_score":0.037808817028999325}],"sentiment":"neutral","sentiment_score":0.06250213366001844,"num_words":78,"start":879.72003,"end":904.44},{"sentences":[{"text":"Okay?","start":904.44,"end":904.94,"sentiment":"neutral","sentiment_score":0.03206446021795273},{"text":"With the core composite bonds, bonds are more of a defensive investment.","start":906.27997,"end":909.885,"sentiment":"neutral","sentiment_score":0.06792023374388616},{"text":"We wanna hold about 14%.","start":910.205,"end":912.22504,"sentiment":"neutral","sentiment_score":0.08992097675800323},{"text":"With your portfolio, you're in more of that growth environment.","start":912.765,"end":916.305,"sentiment":"neutral","sentiment_score":0.1439946720376611},{"text":"So you generally see about 80% of your super in those growth investments, and we wanna hold about 20% in defensive lower risk investments.","start":916.525,"end":924.94,"sentiment":"neutral","sentiment_score":0.22074613844354948}],"sentiment":"neutral","sentiment_score":0.15451088830685386,"num_words":52,"start":904.44,"end":924.94},{"sentences":[{"text":"We're actually gonna hold about 14% there, and we just wanna increase from eight to 14%.","start":924.94,"end":930.86,"sentiment":"neutral","sentiment_score":0.3310165349394083},{"text":"So it means buying some more of those for you.","start":930.86,"end":933.44,"sentiment":"neutral","sentiment_score":0.30739494860172273},{"text":"Okay?","start":933.5,"end":934.0,"sentiment":"neutral","sentiment_score":0.1364058554172516},{"text":"With the s and p 500, we wanna hold about 30%.","start":935.18,"end":938.505,"sentiment":"neutral","sentiment_score":0.06729590757326646},{"text":"You're a bit underweighted at the moment with 27.64, so it means purchasing some more of the s and p 500.","start":938.505,"end":945.005,"sentiment":"neutral","sentiment_score":-0.03539545656669708}],"sentiment":"neutral","sentiment_score":0.14412831009949667,"num_words":59,"start":924.94,"end":945.005},{"sentences":[{"text":"I know there's been a lot happening this year with the with The US and the Iran war.","start":945.065,"end":949.465,"sentiment":"neutral","sentiment_score":-0.15393066447642115},{"text":"However, The US is still really great to hold.","start":949.465,"end":952.3,"sentiment":"neutral","sentiment_score":-0.17354965209960938},{"text":"This investment actually tracks the S and P 500 index, so it means that you're always tracking the top 500 companies in The US.","start":952.92,"end":961.1,"sentiment":"neutral","sentiment_score":0.11300767119973898},{"text":"The maker of the indices or the investment committed of the indices actually meets every quarter as well.","start":961.72,"end":967.21497,"sentiment":"neutral","sentiment_score":0.04243077906883425},{"text":"So where a company doesn't meet the criteria to be in that s and p 500 index, they are removed.","start":967.21497,"end":972.675,"sentiment":"neutral","sentiment_score":-0.04259079284965992}],"sentiment":"neutral","sentiment_score":-0.019197489375646196,"num_words":89,"start":945.065,"end":972.675},{"sentences":[{"text":"And then because these other investments are tracking the weighting, they also make those changes following.","start":973.055,"end":978.74,"sentiment":"neutral","sentiment_score":0.049016667529940605},{"text":"So it means that when companies don't meet the criteria, they are removed.","start":978.8,"end":982.48,"sentiment":"neutral","sentiment_score":-0.033961200943359963},{"text":"That replaces something else.","start":982.48,"end":984.0,"sentiment":"neutral","sentiment_score":-0.015940909273922443},{"text":"So you're always tracking the top 500 companies there to make it easier.","start":984.0,"end":988.10004,"sentiment":"neutral","sentiment_score":0.0700157184440356},{"text":"Excellent.","start":989.84,"end":990.34,"sentiment":"positive","sentiment_score":0.3437502980232239}],"sentiment":"neutral","sentiment_score":0.032616214232241855,"num_words":47,"start":973.055,"end":990.34},{"sentences":[{"text":"We've got some VanEck property there at the moment with the newer portfolio.","start":990.72003,"end":994.055,"sentiment":"neutral","sentiment_score":0.08349861863713998},{"text":"We wanna remove that wholly, so we're gonna sell all of that down.","start":994.055,"end":997.595,"sentiment":"neutral","sentiment_score":0.03184658840585213},{"text":"And then we've also got the Raffy a 200.","start":997.735,"end":1000.21497,"sentiment":"neutral","sentiment_score":0.06319726258516312},{"text":"This is tracking some of the top 200 companies on the ASX there.","start":1000.21497,"end":1004.475,"sentiment":"neutral","sentiment_score":0.09868561075283931},{"text":"Whilst we do wanna keep Australian exposure, we have that plus the Ben along Australian equities in your older portfolio.","start":1004.77496,"end":1011.51,"sentiment":"neutral","sentiment_score":0.046598386391997336}],"sentiment":"neutral","sentiment_score":0.06298740768312093,"num_words":68,"start":990.72003,"end":1011.51},{"sentences":[{"text":"We've actually found a way, a much cheaper way to track the top 200 companies, so we are gonna sell that investment off and replace it with something else for you.","start":1011.89,"end":1021.41003,"sentiment":"neutral","sentiment_score":0.14648530704359855},{"text":"Okay?","start":1021.41003,"end":1021.725,"sentiment":"neutral","sentiment_score":0.10207853466272354},{"text":"We're then also gonna buy into some European exposure and Japanese exposure.","start":1023.32495,"end":1027.485,"sentiment":"neutral","sentiment_score":0.09207017083341877},{"text":"You wanna hold 8% Europe and 5% Japan.","start":1027.485,"end":1030.3049,"sentiment":"neutral","sentiment_score":0.033283136086538434},{"text":"And then we've got the Vanguard all world ex US.","start":1030.525,"end":1033.565,"sentiment":"neutral","sentiment_score":0.04434058479964733}],"sentiment":"neutral","sentiment_score":0.10415541999522716,"num_words":62,"start":1011.89,"end":1033.565},{"sentences":[{"text":"So this is giving you exposure to the entire globe minus The US, and that's because we have the S and P 500 above there.","start":1033.565,"end":1040.54,"sentiment":"neutral","sentiment_score":0.07518106572329998},{"text":"But one of the biggest ways that we can ultimately reduce risk is to diversify.","start":1040.76,"end":1045.8201,"sentiment":"neutral","sentiment_score":0.20185373251636823},{"text":"So this newer portfolio is giving you more diversification to help lower the market risk as much as possible, whilst tracking all the different markets around the globe for you.","start":1046.2001,"end":1056.0851,"sentiment":"neutral","sentiment_score":0.30970101753870644},{"text":"So, having the all world, Vanguard investment is a great way to diversify.","start":1056.0851,"end":1061.305,"sentiment":"positive","sentiment_score":0.45841313440066117},{"text":"And then because we're removing that Australian exposure with the Raffy and the BAN along, we're actually gonna put the sorry, the a 200 in there.","start":1061.9501,"end":1070.51,"sentiment":"neutral","sentiment_score":0.15624298269932085}],"sentiment":"neutral","sentiment_score":0.22220230692091886,"num_words":109,"start":1033.565,"end":1070.51},{"sentences":[{"text":"This is the BetaShares Australia two 100.","start":1070.51,"end":1072.99,"sentiment":"neutral","sentiment_score":0.08592902602893966},{"text":"It's tracking the top 200 companies on the ASX.","start":1072.99,"end":1076.13,"sentiment":"neutral","sentiment_score":0.1648508459329605},{"text":"It's replacing the other two investments.","start":1076.99,"end":1078.805,"sentiment":"neutral","sentiment_score":0.23107018321752548},{"text":"It actually works out to track much better, but it's also cheaper for your portfolio.","start":1078.805,"end":1083.865,"sentiment":"positive","sentiment_score":0.37891520857810973},{"text":"And one of the things I wanted to look at was how to minimize fees for you to keep more money invested in your super fund working harder for you.","start":1083.925,"end":1091.4199,"sentiment":"neutral","sentiment_score":0.2323821797966957}],"sentiment":"neutral","sentiment_score":0.2406981405593566,"num_words":67,"start":1070.51,"end":1091.4199},{"sentences":[{"text":"Okay?","start":1091.48,"end":1091.98,"sentiment":"neutral","sentiment_score":0.08853721618652344},{"text":"Excellent.","start":1093.0,"end":1093.5,"sentiment":"positive","sentiment_score":0.5932646989822388},{"text":"That is a lot.","start":1093.7999,"end":1094.5199,"sentiment":"positive","sentiment_score":0.5193486362695694},{"text":"Do you have any questions there so far at all?","start":1094.5199,"end":1097.0199,"sentiment":"neutral","sentiment_score":0.11652033478021621},{"text":"No.","start":1099.0,"end":1099.5,"sentiment":"neutral","sentiment_score":-0.08453667908906937}],"sentiment":"neutral","sentiment_score":0.2258743017035372,"num_words":17,"start":1091.48,"end":1099.5},{"sentences":[{"text":"Yeah.","start":1100.6799,"end":1101.1799,"sentiment":"neutral","sentiment_score":0.0034154774621129036},{"text":"Mhmm.","start":1110.265,"end":1110.665,"sentiment":"neutral","sentiment_score":0.03852659836411476},{"text":"Yep.","start":1110.665,"end":1111.165,"sentiment":"neutral","sentiment_score":0.08583952486515045},{"text":"That's correct.","start":1111.305,"end":1112.125,"sentiment":"neutral","sentiment_score":0.15674395859241486},{"text":"Yeah.","start":1112.185,"end":1112.5851,"sentiment":"neutral","sentiment_score":0.13064932823181152}],"sentiment":"neutral","sentiment_score":0.0953198076846699,"num_words":6,"start":1100.6799,"end":1112.5851},{"sentences":[{"text":"That is absolutely perfect.","start":1112.5851,"end":1113.885,"sentiment":"neutral","sentiment_score":0.28151023760437965},{"text":"That is the percentage.","start":1114.985,"end":1116.045,"sentiment":"neutral","sentiment_score":0.04926646687090397},{"text":"Yeah.","start":1116.185,"end":1116.425,"sentiment":"neutral","sentiment_score":0.05820515379309654},{"text":"So at the end, the target balance is how much you should have invested or as close to within those individual investments that we're purchasing into.","start":1116.425,"end":1124.8201,"sentiment":"neutral","sentiment_score":0.06680450903681609},{"text":"Okay.","start":1125.04,"end":1125.54,"sentiment":"neutral","sentiment_score":0.1150246188044548}],"sentiment":"neutral","sentiment_score":0.089812606262664,"num_words":36,"start":1112.5851,"end":1125.54},{"sentences":[{"text":"Excellent.","start":1126.64,"end":1127.14,"sentiment":"positive","sentiment_score":0.4862003028392792},{"text":"These are the ones that we're gonna be changing within your portfolio.","start":1133.2001,"end":1136.5851,"sentiment":"neutral","sentiment_score":0.1963733769953251},{"text":"Yeah.","start":1137.125,"end":1137.525,"sentiment":"neutral","sentiment_score":0.12432703375816344},{"text":"Yeah.","start":1137.525,"end":1137.925,"sentiment":"neutral","sentiment_score":0.11895580589771272},{"text":"Yep.","start":1137.925,"end":1138.3251,"sentiment":"neutral","sentiment_score":0.19273893535137177}],"sentiment":"neutral","sentiment_score":0.20491891261190176,"num_words":16,"start":1126.64,"end":1138.3251},{"sentences":[{"text":"Beautiful.","start":1138.3251,"end":1138.8251,"sentiment":"positive","sentiment_score":0.602800190448761},{"text":"And then underneath on the next page there, it does note that at the moment, the cash within your super is sitting at about 186%.","start":1140.0851,"end":1147.68,"sentiment":"neutral","sentiment_score":0.015816011726856233},{"text":"Realistically, we wanna have most of your funds invested, so it means investing about a bit over $2,000 there to bring your cash down to 1.25%.","start":1147.8201,"end":1156.54,"sentiment":"neutral","sentiment_score":0.12660606821569112},{"text":"We never wanna hold more cash than what we actually need to.","start":1156.54,"end":1159.605,"sentiment":"neutral","sentiment_score":0.003677632504453262},{"text":"Okay.","start":1159.6649,"end":1160.1649,"sentiment":"neutral","sentiment_score":0.09932658076286316}],"sentiment":"neutral","sentiment_score":0.06820640658529906,"num_words":65,"start":1138.3251,"end":1160.1649},{"sentences":[{"text":"Excellent.","start":1161.1849,"end":1161.6849,"sentiment":"positive","sentiment_score":0.5635861158370972},{"text":"If I can get you to scroll down for me to page number 18, I can sort of show you the reason behind why we're making these changes.","start":1162.625,"end":1170.085,"sentiment":"neutral","sentiment_score":0.22891905823988573},{"text":"Beautiful.","start":1171.9049,"end":1172.4049,"sentiment":"positive","sentiment_score":0.4280492663383484},{"text":"So you've got your super you're sorry?","start":1173.1901,"end":1175.27,"sentiment":"neutral","sentiment_score":0.0884049590677023},{"text":"Yep.","start":1175.27,"end":1175.77,"sentiment":"neutral","sentiment_score":0.047152306884527206}],"sentiment":"neutral","sentiment_score":0.21229884298028132,"num_words":38,"start":1161.1849,"end":1175.77},{"sentences":[{"text":"It is.","start":1179.99,"end":1180.55,"sentiment":"neutral","sentiment_score":0.09541903808712959},{"text":"Yeah.","start":1180.55,"end":1180.87,"sentiment":"neutral","sentiment_score":0.04738428443670273},{"text":"Definitely.","start":1180.87,"end":1181.37,"sentiment":"neutral","sentiment_score":0.1689533889293671},{"text":"So it is still a really good really good super fund.","start":1181.5901,"end":1184.7101,"sentiment":"positive","sentiment_score":0.4575932777740739},{"text":"There are some others out there that may be cheaper in administration fees.","start":1184.7101,"end":1188.195,"sentiment":"neutral","sentiment_score":0.15871687863881773}],"sentiment":"neutral","sentiment_score":0.26800075811999186,"num_words":28,"start":1179.99,"end":1188.195},{"sentences":[{"text":"The cheapest platforms.","start":1199.955,"end":1201.01,"sentiment":"neutral","sentiment_score":0.30851877729098004},{"text":"It is still a great platform out there, and I'm more than happy to keep it for you.","start":1201.01,"end":1205.09,"sentiment":"positive","sentiment_score":0.6598002711931864},{"text":"There's been no real changes that require it to be reassessed in any other way, and I wanted to make sure we could make changes for you, but also make sure we limited any CGT consequences for your super fund as well.","start":1205.09,"end":1217.6549,"sentiment":"neutral","sentiment_score":0.08749100965048585},{"text":"Okay.","start":1217.6549,"end":1218.1549,"sentiment":"neutral","sentiment_score":0.09130516648292542},{"text":"Excellent.","start":1219.495,"end":1219.995,"sentiment":"positive","sentiment_score":0.34608662128448486}],"sentiment":"neutral","sentiment_score":0.260215006252894,"num_words":65,"start":1199.955,"end":1219.995},{"sentences":[{"text":"So, essentially, the first column outlines your hub 20 circuit balance at the moment when we did the research.","start":1220.2949,"end":1226.715,"sentiment":"neutral","sentiment_score":0.11614137260537398},{"text":"You've got your administration fees, investment fees, any other fees applicable to the super fund, and your ongoing service fee paid by paid to us at the moment for our services.","start":1227.13,"end":1236.59,"sentiment":"neutral","sentiment_score":0.12802089510425443},{"text":"You've got your contributions going in there, and you don't have any insurances, so no insurance premiums coming out.","start":1237.2899,"end":1243.115,"sentiment":"neutral","sentiment_score":0.11723676049395611},{"text":"Underneath that, it notes that you're in that growth environment there.","start":1243.6549,"end":1247.015,"sentiment":"neutral","sentiment_score":0.05941613966768438},{"text":"And when we look at your older portfolio over the past five years, it's averaged about 9.12%, which isn't bad in any way, shape, or form, but we wanna make sure that you're getting the best.","start":1247.015,"end":1257.94,"sentiment":"neutral","sentiment_score":0.12127817173798879}],"sentiment":"neutral","sentiment_score":0.11571055168992486,"num_words":116,"start":1220.2949,"end":1257.94},{"sentences":[{"text":"Yeah.","start":1257.94,"end":1258.44,"sentiment":"neutral","sentiment_score":0.030229752883315086},{"text":"Absolute absolutely.","start":1262.34,"end":1264.44,"sentiment":"neutral","sentiment_score":0.07536396197974682},{"text":"Yeah.","start":1265.0599,"end":1265.5599,"sentiment":"neutral","sentiment_score":0.02564355917274952},{"text":"So when we look at making the changes above there, we do note that there are CGT consequence consequences within your super fund there.","start":1266.34,"end":1273.445,"sentiment":"neutral","sentiment_score":0.017143728405547638},{"text":"And you'll see the 15 o eight in sorry, 15 o four in the differences column.","start":1273.445,"end":1277.705,"sentiment":"neutral","sentiment_score":0.016770871123299003}],"sentiment":"neutral","sentiment_score":0.020145105811851947,"num_words":44,"start":1257.94,"end":1277.705},{"sentences":[{"text":"That's the estimated CGT consequence for making the changes to your portfolio.","start":1277.845,"end":1282.565,"sentiment":"neutral","sentiment_score":0.03843867794300119},{"text":"We'd expect your super fund to pay $1,504 in capital gains.","start":1282.565,"end":1286.96,"sentiment":"neutral","sentiment_score":0.0756583921611309},{"text":"That then means the expected starting super balance once we complete the changes around about $336,000.00 5.","start":1287.1799,"end":1294.72,"sentiment":"neutral","sentiment_score":0.08165405778323903},{"text":"Underneath that, you've still got your administration fees.","start":1295.34,"end":1298.14,"sentiment":"neutral","sentiment_score":0.029864691430702806},{"text":"They'll stay the same because they're not changing the not changing the platform.","start":1298.14,"end":1301.905,"sentiment":"neutral","sentiment_score":0.05734932881135207}],"sentiment":"neutral","sentiment_score":0.06009974159666749,"num_words":61,"start":1277.845,"end":1301.905},{"sentences":[{"text":"But you'll see the investment fees have decreased quite heavily.","start":1302.365,"end":1305.405,"sentiment":"neutral","sentiment_score":0.0796261303126812},{"text":"So the newer portfolio for the first year is expected to save about $725.","start":1305.405,"end":1310.685,"sentiment":"positive","sentiment_score":0.4962007041488375},{"text":"So that's a pretty decent saving in investment fees to have a cheaper portfolio there for you.","start":1310.685,"end":1317.12,"sentiment":"positive","sentiment_score":0.5045287065646228},{"text":"Yeah.","start":1317.12,"end":1317.62,"sentiment":"neutral","sentiment_score":0.2916375398635864},{"text":"Underneath that, any other fees applicable are absolutely the same.","start":1318.4,"end":1321.6,"sentiment":"neutral","sentiment_score":0.12981952577829362}],"sentiment":"positive","sentiment_score":0.34442099943183935,"num_words":52,"start":1302.365,"end":1321.6},{"sentences":[{"text":"Your ongoing service fee is the same because the service fee put in place was a dollar figure fee, and then your contributions will continue to go in, so no change there.","start":1321.6,"end":1330.035,"sentiment":"neutral","sentiment_score":0.11952833028044552},{"text":"Below that, you'll see the growth portfolio, the newer portfolio.","start":1330.995,"end":1334.295,"sentiment":"neutral","sentiment_score":0.16927395537495613},{"text":"When we look at the past returns and how this has performed over the same five year period, it has actually provided a greater return.","start":1334.355,"end":1341.415,"sentiment":"neutral","sentiment_score":0.29032757043838503},{"text":"And, essentially, what we wanna look at by utilizing past data is over the past five years, has a portfolio or an investment, how has that performed?","start":1341.635,"end":1350.8899,"sentiment":"neutral","sentiment_score":0.146588954936575},{"text":"And that gives us an idea of what we can expect in the future given the same market conditions.","start":1350.8899,"end":1355.5499,"sentiment":"neutral","sentiment_score":0.1926793334515471}],"sentiment":"neutral","sentiment_score":0.1804835796685873,"num_words":113,"start":1321.6,"end":1355.5499},{"sentences":[{"text":"Admittedly, over the past five years, we've seen quite a lot of ups and downs in the market.","start":1356.0099,"end":1360.125,"sentiment":"neutral","sentiment_score":-0.16484497487545013},{"text":"It hasn't been smooth sailing.","start":1360.125,"end":1361.7451,"sentiment":"neutral","sentiment_score":-0.07055727019906044},{"text":"So we can sort of see that with this newer portfolio.","start":1362.525,"end":1365.3451,"sentiment":"neutral","sentiment_score":0.20802906426516446},{"text":"With the past five years, it has averaged about 11.57%.","start":1366.525,"end":1370.685,"sentiment":"neutral","sentiment_score":0.3076213628053665},{"text":"So we know in the future, it it has the potential to achieve this sort of return moving forward as well.","start":1370.685,"end":1376.94,"sentiment":"positive","sentiment_score":0.4660691675685701}],"sentiment":"neutral","sentiment_score":0.1820306146947237,"num_words":65,"start":1356.0099,"end":1376.94},{"sentences":[{"text":"I'm always realistic, and I know I don't expect you to get 11.57% every single year, but it's sort of showing you the average.","start":1378.2799,"end":1384.695,"sentiment":"neutral","sentiment_score":0.04658797542409351},{"text":"One year, you might get 15%, 20%.","start":1384.695,"end":1387.1749,"sentiment":"neutral","sentiment_score":0.09323041141033173},{"text":"Another year, it might be a five or 6%, but that's sort of looking at the average over the past five years.","start":1387.1749,"end":1393.035,"sentiment":"neutral","sentiment_score":0.005995995492081751},{"text":"Okay.","start":1393.1749,"end":1393.6749,"sentiment":"neutral","sentiment_score":0.14680612087249756},{"text":"Excellent.","start":1394.775,"end":1395.275,"sentiment":"positive","sentiment_score":0.7134971618652344}],"sentiment":"neutral","sentiment_score":0.05023526315661994,"num_words":55,"start":1378.2799,"end":1395.275},{"sentences":[{"text":"And if it is able to obtain the same level of return as has in the past, over the next five to ten years, underneath, you can see the projected outcome there.","start":1395.975,"end":1404.68,"sentiment":"positive","sentiment_score":0.390358863864094},{"text":"So we can sort of see that if it's able to generate the same sort of performance as well as the fee savings, we can end up within five years a bit over 510,000 or at age 65, around about 713,000 there.","start":1404.82,"end":1418.565,"sentiment":"neutral","sentiment_score":0.2075350664201237},{"text":"I am realistic.","start":1419.105,"end":1420.005,"sentiment":"neutral","sentiment_score":0.0911317765712738},{"text":"And when you retire at age 65, I would not want you to be in this growth environment.","start":1420.145,"end":1424.725,"sentiment":"neutral","sentiment_score":-0.08573724412255818},{"text":"So there is a chance that prior to age 65, I wanna look at reducing a risk level with this sort of portfolio.","start":1424.865,"end":1432.12,"sentiment":"neutral","sentiment_score":0.0077480376576599865}],"sentiment":"neutral","sentiment_score":0.17047700199093355,"num_words":118,"start":1395.975,"end":1432.12},{"sentences":[{"text":"When you sort of look at risk out of, say, a number of things one and five, you're sitting at about a three there.","start":1432.5801,"end":1437.3,"sentiment":"neutral","sentiment_score":0.019520722950498264},{"text":"That's not bad, but this sort of portfolio yeah.","start":1437.3,"end":1440.8201,"sentiment":"neutral","sentiment_score":0.020327441704769928},{"text":"Yeah.","start":1440.8201,"end":1441.06,"sentiment":"neutral","sentiment_score":0.015488439239561558},{"text":"Sort of middle range.","start":1441.06,"end":1442.28,"sentiment":"neutral","sentiment_score":0.010810548439621925},{"text":"This sort of a portfolio suits someone who has at least six years before they're accessing their super or their funds.","start":1442.9249,"end":1448.465,"sentiment":"neutral","sentiment_score":0.0315769821228016}],"sentiment":"neutral","sentiment_score":0.02327612853782662,"num_words":59,"start":1432.5801,"end":1448.465},{"sentences":[{"text":"When you are sort of closer to accessing, I would like to reduce the exposure a little bit, having this sort of portfolio.","start":1449.005,"end":1455.565,"sentiment":"neutral","sentiment_score":-0.05790725431364516},{"text":"Whilst you're in the middle range, there has the potential to see a negative return one in every five years.","start":1455.565,"end":1460.9199,"sentiment":"neutral","sentiment_score":-0.18159176111221315},{"text":"So if you are sort of six years out, I wouldn't want you to see a negative return just before you're wanting to access your super.","start":1461.46,"end":1467.5399,"sentiment":"neutral","sentiment_score":-0.1403895625128196},{"text":"So we do start to reduce that risk level incrementally as you get closer to accessing your super.","start":1467.5399,"end":1473.755,"sentiment":"neutral","sentiment_score":0.06824119057920244},{"text":"Okay?","start":1473.815,"end":1474.315,"sentiment":"neutral","sentiment_score":0.07492125034332275}],"sentiment":"neutral","sentiment_score":-0.08307463654570958,"num_words":88,"start":1449.005,"end":1474.315},{"sentences":[{"text":"Excellent.","start":1475.735,"end":1476.235,"sentiment":"positive","sentiment_score":0.4370211362838745},{"text":"The next page down just shows you the annual returns as of between the current and recommended portfolios as they have gone over the past twelve months, three years, five years, and ten years.","start":1477.015,"end":1486.3301,"sentiment":"neutral","sentiment_score":0.1651477997793871},{"text":"We just note that in there for you.","start":1486.3301,"end":1488.0901,"sentiment":"neutral","sentiment_score":0.11475698463618755},{"text":"Okay?","start":1488.0901,"end":1488.5901,"sentiment":"neutral","sentiment_score":0.09875725209712982},{"text":"Excellent.","start":1490.17,"end":1490.67,"sentiment":"positive","sentiment_score":0.5371032953262329}],"sentiment":"neutral","sentiment_score":0.16902139451768664,"num_words":45,"start":1475.735,"end":1490.67},{"sentences":[{"text":"The the following page gives you a bit of an idea of where we're tracking for.","start":1491.29,"end":1495.455,"sentiment":"neutral","sentiment_score":0.064635916845873},{"text":"So so long as that we can get, obviously, what's above in the the top sort of column there, when we sort of look at where you're at, what your assets look like over the course of time, this is depending this is showing if you're eligible for age pension as well to sort of supplement when we get to that point, and we'll definitely look at it closer too.","start":1495.7749,"end":1514.08,"sentiment":"neutral","sentiment_score":0.08497762243662561},{"text":"But when you sort of get there, looking at your circumstances, you should be able to draw down the income that you're after on a fortnightly basis.","start":1514.3,"end":1520.685,"sentiment":"neutral","sentiment_score":0.07391243593560325},{"text":"Basis.","start":1520.8451,"end":1521.3451,"sentiment":"neutral","sentiment_score":0.09524945914745332},{"text":"And if we're able to offset that with Centrelink, then we should be able to get you super lasting till around about age 90.","start":1521.805,"end":1528.0651,"sentiment":"neutral","sentiment_score":0.24884554743766785}],"sentiment":"neutral","sentiment_score":0.10902743918848211,"num_words":138,"start":1491.29,"end":1528.0651},{"sentences":[{"text":"This is just giving you a really good overview of where we're tracking for currently.","start":1528.3651,"end":1531.71,"sentiment":"neutral","sentiment_score":0.20537734280029932},{"text":"However, this will be looked at in a lot more detail as we get closer.","start":1531.71,"end":1532.685,"sentiment":"neutral","sentiment_score":0.09661978830893835},{"text":"There's other detail as we get closer.","start":1532.685,"end":1536.47,"sentiment":"neutral","sentiment_score":0.08585062729460853},{"text":"There's other strategies that we can put in place to assist you as well, and then we'll kind of keep tracking and looking at how this looks.","start":1536.85,"end":1544.45,"sentiment":"neutral","sentiment_score":0.15674336282191453},{"text":"And when you actually get to the time and start to draw down an income, then we can look at a lot more detail exactly how long that's expected to last for you.","start":1544.45,"end":1552.495,"sentiment":"neutral","sentiment_score":0.07382915372198279}],"sentiment":"neutral","sentiment_score":0.12164272398678298,"num_words":97,"start":1528.3651,"end":1552.495},{"sentences":[{"text":"Okay?","start":1552.495,"end":1552.995,"sentiment":"neutral","sentiment_score":0.03685207664966583},{"text":"Excellent.","start":1554.335,"end":1554.835,"sentiment":"positive","sentiment_score":0.6107116937637329},{"text":"Beautiful.","start":1555.0549,"end":1555.5549,"sentiment":"positive","sentiment_score":0.6185140609741211},{"text":"The next page down is essentially going through the investment changes with regard to your your personal investment If you can scroll down for me to page number 25, this is running through those.","start":1556.335,"end":1569.54,"sentiment":"neutral","sentiment_score":0.07697712761514328},{"text":"Beautiful.","start":1575.76,"end":1576.26,"sentiment":"positive","sentiment_score":0.36201515793800354}],"sentiment":"neutral","sentiment_score":0.11171882442737881,"num_words":38,"start":1552.495,"end":1576.26},{"sentences":[{"text":"Now I will note you'll probably note that the investment changes are slightly different to what we had recommended with super.","start":1576.6849,"end":1582.845,"sentiment":"neutral","sentiment_score":-0.01832758147446882},{"text":"So because of the the different tax consequences to your personal investment account, I tried to limit the CGT consequences as much as possible.","start":1582.845,"end":1591.265,"sentiment":"neutral","sentiment_score":-0.09658594879632194},{"text":"And with the balance in your investment account being much higher, smaller returns do make a greater difference to growth and income within the fund there.","start":1591.6,"end":1600.24,"sentiment":"neutral","sentiment_score":-0.03949723235116555},{"text":"So the portfolio I'm recommending is different just because the the CGT isn't within the fund.","start":1600.24,"end":1606.555,"sentiment":"neutral","sentiment_score":-0.13642582716420293},{"text":"It's more affecting your personal.","start":1606.555,"end":1608.3351,"sentiment":"neutral","sentiment_score":-0.1472760409116745}],"sentiment":"neutral","sentiment_score":-0.072272428939038,"num_words":92,"start":1576.6849,"end":1608.3351},{"sentences":[{"text":"So I'll go through this, and then I'll show you what is sort of looking at.","start":1608.395,"end":1613.675,"sentiment":"neutral","sentiment_score":0.0054568376508541405},{"text":"Sorry.","start":1613.675,"end":1614.175,"sentiment":"neutral","sentiment_score":-0.04388232156634331},{"text":"With the Benelon Australian Equities, again, we are removing that wholly.","start":1615.675,"end":1619.22,"sentiment":"neutral","sentiment_score":-0.12578372115438635},{"text":"We don't wanna keep that in the fund regardless of, you know, the consequences that is down, and it is definitely worth removing completely for you.","start":1619.22,"end":1626.92,"sentiment":"neutral","sentiment_score":-0.2456956971436739},{"text":"With the battery and lithium tech, we are looking to keep that within the fund.","start":1627.38,"end":1631.0,"sentiment":"neutral","sentiment_score":0.03625200837850571}],"sentiment":"neutral","sentiment_score":-0.10412321524505598,"num_words":69,"start":1608.395,"end":1631.0},{"sentences":[{"text":"Look, it hasn't done too bad at all.","start":1631.38,"end":1633.3,"sentiment":"neutral","sentiment_score":-0.20510275289416313},{"text":"It's not performing at the moment.","start":1633.3,"end":1634.9349,"sentiment":"negative","sentiment_score":-0.43514323234558105},{"text":"If there's a need to remove it in the future, we will.","start":1634.9349,"end":1637.4349,"sentiment":"neutral","sentiment_score":-0.21801099615792432},{"text":"But there was no need to sell it completely out of this portfolio.","start":1637.6549,"end":1640.6349,"sentiment":"neutral","sentiment_score":-0.17337768754133812},{"text":"So I am just reweighting this one and reducing the exposure to 7% for you.","start":1640.695,"end":1646.0549,"sentiment":"neutral","sentiment_score":0.03354578167200088}],"sentiment":"neutral","sentiment_score":-0.1596025293348012,"num_words":54,"start":1631.38,"end":1646.0549},{"sentences":[{"text":"Okay?","start":1646.0549,"end":1646.52,"sentiment":"neutral","sentiment_score":0.07052553445100784},{"text":"With the bank hybrids, again, these ones are actually being phased out by the government.","start":1647.72,"end":1651.56,"sentiment":"neutral","sentiment_score":-0.07946828032533328},{"text":"So we are removing them completely from your portfolio, and we'll replace them with something different.","start":1651.56,"end":1656.46,"sentiment":"neutral","sentiment_score":-0.09258033553487621},{"text":"Physical gold, you're a little bit overweight, and you've had some really good growth there, so we're just reducing your exposure to 6% and selling some of that off.","start":1657.16,"end":1665.5549,"sentiment":"neutral","sentiment_score":0.05146095712251704},{"text":"With the cybersecurity, again, we're just reweighting and reducing the exposure from 8% to 7%.","start":1666.895,"end":1672.755,"sentiment":"neutral","sentiment_score":0.06835685670375824}],"sentiment":"neutral","sentiment_score":-0.0011192556826005642,"num_words":76,"start":1646.0549,"end":1672.755},{"sentences":[{"text":"I'm just kind of rebalancing it back a little bit for you because you've got a bit more exposure than required.","start":1673.215,"end":1678.4,"sentiment":"neutral","sentiment_score":0.018968872814660982},{"text":"And then because the bank hybrids are being removed, we're still replacing that with core composite bonds.","start":1679.02,"end":1684.4801,"sentiment":"neutral","sentiment_score":0.021167725872467544},{"text":"With this one, we're gonna hold about 20% of core composite funds.","start":1684.7001,"end":1688.935,"sentiment":"neutral","sentiment_score":0.09667667374014854},{"text":"So just increasing your exposure there.","start":1688.935,"end":1691.0951,"sentiment":"neutral","sentiment_score":0.0983099602162838},{"text":"This portfolio is also within that growth area, but we're able to increase this exposure to 20% there for you.","start":1691.0951,"end":1699.415,"sentiment":"neutral","sentiment_score":0.16049131341278552}],"sentiment":"neutral","sentiment_score":0.07523689188651349,"num_words":76,"start":1673.215,"end":1699.415},{"sentences":[{"text":"Okay?","start":1699.415,"end":1699.915,"sentiment":"neutral","sentiment_score":0.07966341078281403},{"text":"The s and p 500, again, we wanna hold some of that.","start":1701.84,"end":1704.96,"sentiment":"neutral","sentiment_score":0.06005600498368343},{"text":"This portfolio, we just wanna hold about 25%.","start":1704.96,"end":1707.52,"sentiment":"neutral","sentiment_score":0.06109459837898612},{"text":"It is slightly different to the super portfolio because this is more of your older portfolio just trying to make slight changes In your older portfolio, it was recommended about 25 of the s and p 500.","start":1707.52,"end":1719.525,"sentiment":"neutral","sentiment_score":0.010878528594165235},{"text":"So we just wanna rebalance that back for you.","start":1719.905,"end":1722.7251,"sentiment":"neutral","sentiment_score":0.0967668170730273}],"sentiment":"neutral","sentiment_score":0.03824625625761587,"num_words":67,"start":1699.415,"end":1722.7251},{"sentences":[{"text":"I didn't wanna kind of increase it to 30% to sort of make two bigger changes because it meant selling off too much of something else, which has more of a tax consequence for you.","start":1722.9451,"end":1732.24,"sentiment":"neutral","sentiment_score":0.0026108151567833765},{"text":"So we'll just try to minimize the effect on yourself for this one and keep it at 25%, which is still performing quite nicely as well.","start":1732.24,"end":1740.8201,"sentiment":"neutral","sentiment_score":0.23350070130366546},{"text":"With the VanEck property, in this personal investment option, we're just gonna reweight increase the exposure to 5%.","start":1742.625,"end":1748.645,"sentiment":"neutral","sentiment_score":0.15402240637275907},{"text":"We are selling VanEck in super.","start":1749.185,"end":1751.285,"sentiment":"neutral","sentiment_score":0.14760654171307883},{"text":"Property hasn't done bad in any way, shape, or form.","start":1751.425,"end":1754.625,"sentiment":"neutral","sentiment_score":0.3184093549847603}],"sentiment":"neutral","sentiment_score":0.13688981978124695,"num_words":95,"start":1722.9451,"end":1754.625},{"sentences":[{"text":"Within super, it's just the whole overall newer portfolio works better for you.","start":1754.625,"end":1759.5599,"sentiment":"positive","sentiment_score":0.3862253175331996},{"text":"However, in this with this older portfolio, it's still performing quite well.","start":1759.5599,"end":1764.0399,"sentiment":"neutral","sentiment_score":0.3046824609239896},{"text":"I'll watch it to make sure that if there's any need we need to remove it, that we will.","start":1764.0399,"end":1768.46,"sentiment":"neutral","sentiment_score":0.11409865692257881},{"text":"But I as I said, I just wanted to limit the tax consequences with this one.","start":1768.9199,"end":1772.535,"sentiment":"neutral","sentiment_score":0.039320980431512},{"text":"I opted to change minimal investments to make it work better and also just rebalance the other investments for you to make sure you're not overweighted in any way.","start":1773.015,"end":1782.155,"sentiment":"neutral","sentiment_score":0.13995634379058047}],"sentiment":"neutral","sentiment_score":0.17452654828516284,"num_words":89,"start":1754.625,"end":1782.155},{"sentences":[{"text":"Okay?","start":1782.2151,"end":1782.7151,"sentiment":"neutral","sentiment_score":0.04098152369260788},{"text":"So we've got 4.3% there.","start":1784.375,"end":1786.2301,"sentiment":"neutral","sentiment_score":0.04753219112753868},{"text":"We wanna hold about 5%.","start":1786.2301,"end":1787.8301,"sentiment":"neutral","sentiment_score":0.06467395499348641},{"text":"So we're just gonna buy a bit more of the Verdeck property there.","start":1787.8301,"end":1790.7301,"sentiment":"neutral","sentiment_score":0.08310218785817806},{"text":"We do have the Raffy 200 in here.","start":1791.03,"end":1794.01,"sentiment":"neutral","sentiment_score":0.0882005374878645}],"sentiment":"neutral","sentiment_score":0.07462328113615513,"num_words":32,"start":1782.2151,"end":1794.01},{"sentences":[{"text":"We can't sell all of that because it was gonna be too much of a tax effect there.","start":1794.0701,"end":1798.0701,"sentiment":"neutral","sentiment_score":-0.08677670918405056},{"text":"So I'm keeping a weighting of 15%.","start":1798.0701,"end":1801.025,"sentiment":"neutral","sentiment_score":0.09540270907538277},{"text":"And because realistically, we want we wanna hold about 30% in Australian equities, but also then gonna increase or add the a 200 to 15% as well.","start":1801.0851,"end":1810.845,"sentiment":"neutral","sentiment_score":0.1334877966178788},{"text":"That way, you hold 30% of Australian equities, and it's balanced between the a 200, which replaces a ban along Australian equities, but it's also offsetting the Raffy there for you as well.","start":1810.845,"end":1821.2799,"sentiment":"neutral","sentiment_score":0.16760685972192071},{"text":"So we didn't have to sell too much of the Raffy in your own personal portfolio.","start":1821.2799,"end":1825.14,"sentiment":"neutral","sentiment_score":0.1237137217540294}],"sentiment":"neutral","sentiment_score":0.1011926200572807,"num_words":101,"start":1794.0701,"end":1825.14},{"sentences":[{"text":"Okay.","start":1825.5199,"end":1826.0199,"sentiment":"neutral","sentiment_score":0.12201827764511108},{"text":"Excellent.","start":1827.44,"end":1827.94,"sentiment":"positive","sentiment_score":0.3893035650253296},{"text":"At the moment within your investment account, you're a little bit underweighted in cash.","start":1828.72,"end":1833.5851,"sentiment":"neutral","sentiment_score":-0.09808683448604175},{"text":"So you've got about 5,349 in cash there.","start":1833.5851,"end":1837.1051,"sentiment":"neutral","sentiment_score":-0.036083886749111116},{"text":"To hold the 1.25% we need, we need to make sure we hold a bit more cash.","start":1837.1051,"end":1841.5851,"sentiment":"neutral","sentiment_score":-0.013623857144814204}],"sentiment":"neutral","sentiment_score":-0.033711475746070106,"num_words":41,"start":1825.5199,"end":1841.5851},{"sentences":[{"text":"So we're just gonna add about 1,900 in cash there so that your minimum cash balance is at 7,283, which is the minimum required for the investment account within the hub 24 there.","start":1841.5851,"end":1854.12,"sentiment":"neutral","sentiment_score":0.03897466888707696},{"text":"Okay.","start":1854.12,"end":1854.62,"sentiment":"neutral","sentiment_score":0.08139696717262268},{"text":"Excellent.","start":1855.96,"end":1856.46,"sentiment":"positive","sentiment_score":0.6672338843345642},{"text":"If you get under page 28 for me, this shows you the difference.","start":1857.015,"end":1861.035,"sentiment":"neutral","sentiment_score":0.29007646097586703},{"text":"Perfect.","start":1863.255,"end":1863.755,"sentiment":"positive","sentiment_score":0.598041832447052}],"sentiment":"neutral","sentiment_score":0.13069042346763368,"num_words":49,"start":1841.5851,"end":1863.755},{"sentences":[{"text":"Your balance within that investment account is about $5.82 and 61.","start":1864.615,"end":1869.75,"sentiment":"positive","sentiment_score":0.37618782303550025},{"text":"In underneath that, again, we've got the admin fees, investment fees noted, any other fees applicable, the ongoing service fee for us.","start":1869.75,"end":1876.93,"sentiment":"neutral","sentiment_score":0.23468284037980167},{"text":"There's no additional contributions going in regularly here at the moment and no insurance premiums being deducted, which is great.","start":1877.15,"end":1883.41,"sentiment":"positive","sentiment_score":0.40677810534834863},{"text":"You are in that growth environment there.","start":1884.505,"end":1886.745,"sentiment":"neutral","sentiment_score":0.23292078716414316},{"text":"And, again, the older portfolio has kinda averaged about 9.12%.","start":1886.745,"end":1891.325,"sentiment":"neutral","sentiment_score":0.0669805034995079}],"sentiment":"neutral","sentiment_score":0.28195573134081703,"num_words":70,"start":1864.615,"end":1891.325},{"sentences":[{"text":"When we sort of look at the CGT consequences, now Hub twenty four actually note the CGT consequences at 47%.","start":1891.865,"end":1898.86,"sentiment":"neutral","sentiment_score":-0.011175553500652313},{"text":"So it's kind of overestimated because we're not able to put your your personal tax percentage in there.","start":1898.86,"end":1905.5199,"sentiment":"neutral","sentiment_score":-0.10895515823115905},{"text":"But, essentially, what'll happen is at the end of the financial year, they provide us a a investment kind of tax statement for you, which you take into account.","start":1905.8999,"end":1917.725,"sentiment":"neutral","sentiment_score":0.024476265920133425},{"text":"Yeah.","start":1918.025,"end":1918.525,"sentiment":"neutral","sentiment_score":0.050907108932733536},{"text":"And in there, it'll note the CGT for the changes.","start":1918.985,"end":1921.725,"sentiment":"neutral","sentiment_score":0.019613905064761638}],"sentiment":"neutral","sentiment_score":-0.015741615986021664,"num_words":78,"start":1891.865,"end":1921.725},{"sentences":[{"text":"But we noted that when we completed the looked at completing the switch to kinda minimize it as much as possible, the expected CGT consequences sitting at $805.","start":1922.345,"end":1932.63,"sentiment":"neutral","sentiment_score":-0.04403569735586643},{"text":"So we wanted to actually limit to that as much as possible.","start":1932.63,"end":1936.49,"sentiment":"neutral","sentiment_score":-0.053885070607066154},{"text":"Admittedly, CGT is always dependent upon what happens.","start":1937.03,"end":1940.655,"sentiment":"neutral","sentiment_score":-0.08340629492886364},{"text":"So depending on how markets react between now to when you sign the document to when we get the switch completed, the CGT could be minimized a little bit more.","start":1940.655,"end":1949.535,"sentiment":"neutral","sentiment_score":-0.07051801271736621},{"text":"So it just depends upon how long it actually goes, but this is an estimate based on 47%.","start":1949.535,"end":1955.0399,"sentiment":"neutral","sentiment_score":-0.03533279854390356}],"sentiment":"neutral","sentiment_score":-0.05519168216657514,"num_words":96,"start":1922.345,"end":1955.0399},{"sentences":[{"text":"Your tax rate on your income is lower than that, so your CGT estimate should be slightly lower, but we wanted to make that overestimated for you for this document so you can see the difference in the expected balance.","start":1955.5,"end":1967.9199,"sentiment":"neutral","sentiment_score":-0.03371729168575257},{"text":"Okay?","start":1969.815,"end":1970.315,"sentiment":"neutral","sentiment_score":0.19666533172130585},{"text":"Excellent.","start":1970.455,"end":1970.955,"sentiment":"positive","sentiment_score":0.524372935295105},{"text":"Yeah.","start":1972.455,"end":1972.775,"sentiment":"neutral","sentiment_score":0.022995613515377045},{"text":"Of course.","start":1972.775,"end":1973.355,"sentiment":"neutral","sentiment_score":-0.004163207020610571}],"sentiment":"neutral","sentiment_score":-0.01362187113198969,"num_words":45,"start":1955.5,"end":1973.355},{"sentences":[{"text":"No.","start":1974.455,"end":1974.955,"sentiment":"neutral","sentiment_score":-0.1336456835269928},{"text":"Never.","start":1975.655,"end":1976.155,"sentiment":"neutral","sentiment_score":-0.11909189820289612},{"text":"With your personal investment account, you'll get the CGT will be accounted into your end of financial year tax.","start":1988.87,"end":1997.175,"sentiment":"neutral","sentiment_score":0.0137269119486997},{"text":"Yeah.","start":1997.555,"end":1997.875,"sentiment":"neutral","sentiment_score":0.03209443762898445},{"text":"Correct.","start":1997.875,"end":1998.375,"sentiment":"neutral","sentiment_score":0.08065330982208252}],"sentiment":"neutral","sentiment_score":0.005253108380281407,"num_words":23,"start":1974.455,"end":1998.375},{"sentences":[{"text":"And that will be part of your tax statement.","start":1998.435,"end":2000.935,"sentiment":"neutral","sentiment_score":0.06917609688308504},{"text":"There is a chance it could be offset by dividends and other things that are coming in, but this is just the estimated CGT that would be expected that you might have to add to your income for the changes there.","start":2001.155,"end":2014.41,"sentiment":"neutral","sentiment_score":0.03821902181498888},{"text":"So, yeah, that that is something.","start":2014.41,"end":2016.43,"sentiment":"neutral","sentiment_score":0.008354738742733995},{"text":"It's only for the personal investment account, not for the super.","start":2016.5701,"end":2019.6901,"sentiment":"neutral","sentiment_score":-0.01873961759900505},{"text":"The super CGT is all dealt with inside the super system.","start":2019.6901,"end":2023.23,"sentiment":"neutral","sentiment_score":-0.008430789521133358}],"sentiment":"neutral","sentiment_score":0.024882291288425524,"num_words":78,"start":1998.435,"end":2023.23},{"sentences":[{"text":"Okay?","start":2023.4501,"end":2023.9501,"sentiment":"neutral","sentiment_score":0.007613585330545902},{"text":"Yep.","start":2024.3301,"end":2024.8301,"sentiment":"neutral","sentiment_score":0.03984780237078667},{"text":"Beautiful.","start":2024.89,"end":2025.39,"sentiment":"neutral","sentiment_score":0.29897063970565796},{"text":"I thought when I did this, I thought that one of the things you'll probably notice is the difference in the two portfolios because super is very much different to your personal.","start":2025.995,"end":2033.855,"sentiment":"neutral","sentiment_score":-0.012487815751228482},{"text":"I wanted to make sure it's working harder for you, that you're getting good returns, that you're paying lower fees, but I wanted to try and minimize the tax consequences for you because you've had really great growth in that investment account.","start":2034.235,"end":2048.04,"sentiment":"neutral","sentiment_score":0.09555761932971932}],"sentiment":"neutral","sentiment_score":0.05143171344436221,"num_words":77,"start":2023.4501,"end":2048.04},{"sentences":[{"text":"But when I looked at the total, I looked at selling down a you know, I think it was the 390,000, the 3 100,000, all the different options there, but the tax consequences were within the thousand.","start":2048.26,"end":2059.695,"sentiment":"neutral","sentiment_score":-0.010271453776875057},{"text":"So it was not worthwhile doing in any way, shape, or form, which is a benefit because it means that you've got really good growth in the portfolio.","start":2059.995,"end":2067.535,"sentiment":"neutral","sentiment_score":-0.06814896800954427},{"text":"It's been working quite well.","start":2067.675,"end":2069.355,"sentiment":"neutral","sentiment_score":0.2341468185186386},{"text":"So we just wanna continue that essentially.","start":2069.355,"end":2071.92,"sentiment":"neutral","sentiment_score":0.018432703052115227},{"text":"Essentially.","start":2072.0,"end":2072.5,"sentiment":"neutral","sentiment_score":0.0015355454524978995}],"sentiment":"neutral","sentiment_score":-0.012652773520527169,"num_words":78,"start":2048.26,"end":2072.5},{"sentences":[{"text":"Yeah.","start":2075.2,"end":2075.7,"sentiment":"neutral","sentiment_score":0.2140682339668274},{"text":"Excellent.","start":2076.64,"end":2077.14,"sentiment":"positive","sentiment_score":0.6651203036308289},{"text":"Now you'll see there's no difference to the admin fees there.","start":2077.92,"end":2080.64,"sentiment":"neutral","sentiment_score":0.11699214577674866},{"text":"However, the investment fees do change.","start":2080.64,"end":2082.7998,"sentiment":"neutral","sentiment_score":0.07523068102697532},{"text":"So we this newer this newer portfolio with the changes that we are making is estimated to reduce your investment fees by $901 for the year.","start":2082.7998,"end":2091.2449,"sentiment":"neutral","sentiment_score":0.2356062365265993}],"sentiment":"neutral","sentiment_score":0.1942944083776739,"num_words":45,"start":2075.2,"end":2091.2449},{"sentences":[{"text":"So that is a good advantage for you.","start":2091.2449,"end":2093.585,"sentiment":"positive","sentiment_score":0.6092817857861519},{"text":"No change there to the other fees or the ongoing service fee.","start":2094.365,"end":2097.645,"sentiment":"neutral","sentiment_score":0.05002012010663748},{"text":"At the moment, you're paying a set dollar figure fee.","start":2097.645,"end":2100.45,"sentiment":"neutral","sentiment_score":0.027175507601350547},{"text":"When you're adding review or when everything sort of comes up for renewal in October, we'll touch base then, look at how things are going, and we'll also then talk about the fee structure and how that looks for you moving forward.","start":2100.45,"end":2111.75,"sentiment":"neutral","sentiment_score":0.1046290411835625},{"text":"Okay?","start":2111.81,"end":2112.31,"sentiment":"neutral","sentiment_score":0.09657174348831175}],"sentiment":"neutral","sentiment_score":0.14023619557233297,"num_words":73,"start":2091.2449,"end":2112.31},{"sentences":[{"text":"Excellent.","start":2113.765,"end":2114.265,"sentiment":"positive","sentiment_score":0.5591430068016052},{"text":"We'll keep you in that growth environment as well.","start":2114.405,"end":2116.965,"sentiment":"positive","sentiment_score":0.41134510768784416},{"text":"However, making the changes does show that the newer version of the portfolio has performed greater.","start":2116.965,"end":2123.685,"sentiment":"positive","sentiment_score":0.3502052230760455},{"text":"So over the past five years, it's averaged about 10.70%.","start":2123.685,"end":2127.74,"sentiment":"neutral","sentiment_score":0.31627473831176756},{"text":"So if we're able to achieve that moving forward over the next five to ten years, your investment could go up to 800,000 or a little over 1,000,000 in ten years' time.","start":2128.12,"end":2137.08,"sentiment":"positive","sentiment_score":0.3965776739642024}],"sentiment":"positive","sentiment_score":0.378202433752663,"num_words":68,"start":2113.765,"end":2137.08},{"sentences":[{"text":"So love to see that happening for you, and we'll just make sure we review things to keep you on track and make changes where we need to as well.","start":2137.08,"end":2145.065,"sentiment":"positive","sentiment_score":0.3762864701449871},{"text":"Okay.","start":2145.065,"end":2145.565,"sentiment":"neutral","sentiment_score":0.1538679599761963},{"text":"Excellent.","start":2147.305,"end":2147.805,"sentiment":"positive","sentiment_score":0.5363949537277222},{"text":"All good.","start":2148.105,"end":2148.845,"sentiment":"positive","sentiment_score":0.5009587854146957},{"text":"The only other part of the recommendation to let you know about is the beneficiary side of things.","start":2149.305,"end":2153.46,"sentiment":"neutral","sentiment_score":0.09880133325027095}],"sentiment":"neutral","sentiment_score":0.28383074206515,"num_words":52,"start":2137.08,"end":2153.46},{"sentences":[{"text":"So at the moment in your super, the beneficiary nomination is set up to each of your children at 50% each.","start":2153.46,"end":2159.56,"sentiment":"neutral","sentiment_score":0.08167960086748713},{"text":"Absolutely fine.","start":2159.94,"end":2160.9,"sentiment":"neutral","sentiment_score":0.12134389206767082},{"text":"However, because neither of them are a tax dependent, in the event of you passing away, your super benefit paid out to each of them means that they do pay, tax from the taxable component there.","start":2160.9,"end":2173.0352,"sentiment":"neutral","sentiment_score":-0.04137609816259808},{"text":"One of the things that you and I talked about was trying to limit that tax consequence on your kids.","start":2173.2551,"end":2177.815,"sentiment":"neutral","sentiment_score":0.017512910068035126},{"text":"And because one of your children actually lives in The UK, it is better to structure your beneficiary nomination so that it's paid to your will.","start":2177.815,"end":2185.49,"sentiment":"neutral","sentiment_score":0.0683785376067345}],"sentiment":"neutral","sentiment_score":0.024728762358427046,"num_words":105,"start":2153.46,"end":2185.49},{"sentences":[{"text":"That means in the event that you pass away, your super benefit is paid to your estate, lumped in with everything else, and then it is paid out to your beneficiaries.","start":2185.79,"end":2195.8098,"sentiment":"neutral","sentiment_score":0.2916867023994846},{"text":"It makes it a much easier way.","start":2196.595,"end":2198.435,"sentiment":"positive","sentiment_score":0.7191147719110761},{"text":"That way your daughter in The UK can access that with everything else depending on how her everything's set up, whether she chooses to keep it here at a bank account or transfer it over.","start":2198.435,"end":2207.8152,"sentiment":"positive","sentiment_score":0.43808762856892175},{"text":"It is better to do it through your state, but it also limits the amount of tax payable as well.","start":2207.955,"end":2213.29,"sentiment":"neutral","sentiment_score":0.1241855014115572},{"text":"So it it does essentially mean that the benefit the taxable component when paid to beneficiaries, they don't have to pay the Medicare levy.","start":2213.29,"end":2220.83,"sentiment":"neutral","sentiment_score":0.20389592771728834}],"sentiment":"neutral","sentiment_score":0.31441342283008444,"num_words":117,"start":2185.79,"end":2220.83},{"sentences":[{"text":"It just sort of reduces the tax that they would have to pay.","start":2221.85,"end":2224.695,"sentiment":"positive","sentiment_score":0.5155782332787147},{"text":"It's only a little bit, but, you know, reducing taxes is a good thing.","start":2225.095,"end":2228.695,"sentiment":"positive","sentiment_score":0.5572056898048946},{"text":"I don't agree on tax on death benefits, but, unfortunately, we don't really have a choice.","start":2228.695,"end":2233.195,"sentiment":"neutral","sentiment_score":-0.15508913667872548},{"text":"So where we can minimize the tax and maximize the benefit to our beneficiaries is always a positive thing.","start":2233.655,"end":2236.455,"sentiment":"positive","sentiment_score":0.5450633717210669},{"text":"Does that make sense?","start":2236.455,"end":2236.7852,"sentiment":"positive","sentiment_score":0.3406185805797577}],"sentiment":"positive","sentiment_score":0.3597068013341138,"num_words":66,"start":2221.85,"end":2236.7852},{"sentences":[{"text":"Yeah.","start":2236.7852,"end":2237.2852,"sentiment":"neutral","sentiment_score":0.11966072767972946},{"text":"Nomination called legal personal representative.","start":2248.86,"end":2250.96,"sentiment":"neutral","sentiment_score":0.1081170380115509},{"text":"We just tick that box.","start":2251.9949,"end":2253.535,"sentiment":"neutral","sentiment_score":0.10139983743429185},{"text":"That essentially gets added to your super fund, and it means that in the event of passing, the fund goes through and does the claim, and they see that we've nominated your will or your estate through the legal personal representative nomination, and then they will pay everything to your estate, and it will all get debited as per your will.","start":2253.755,"end":2274.3198,"sentiment":"neutral","sentiment_score":0.17399630121520307},{"text":"So it is really important that you do have an up to date will that reflects your wishes and have that reviewed by a lawyer on a regular basis to make sure that that is reflective.","start":2274.3198,"end":2283.205,"sentiment":"neutral","sentiment_score":0.1609076170457734}],"sentiment":"neutral","sentiment_score":0.16271938604337197,"num_words":108,"start":2236.7852,"end":2283.205},{"sentences":[{"text":"The same sort of thing does go through your investment account as well because we don't make beneficiary nominations on the investment.","start":2284.065,"end":2290.085,"sentiment":"neutral","sentiment_score":0.032012372870336876},{"text":"That is an automatic estate asset.","start":2290.2249,"end":2292.2249,"sentiment":"neutral","sentiment_score":0.03511082815627257},{"text":"So having a will to reflect how you want your investment proceeds also paid out to whom and in what percentage is really important to make sure that the amount does get to where you want it to go without having a will and power of attorney that reflects your wishes means that it all goes through probate.","start":2292.2249,"end":2311.625,"sentiment":"neutral","sentiment_score":0.045195038301934456},{"text":"A probate is a legal costly process where a judge gets to make a decision, and it's not preferable to anyone.","start":2311.925,"end":2318.405,"sentiment":"neutral","sentiment_score":-0.15710618417887462},{"text":"And you've also got your business.","start":2318.405,"end":2319.72,"sentiment":"neutral","sentiment_score":0.03778990296026071}],"sentiment":"neutral","sentiment_score":0.004104061447809227,"num_words":113,"start":2284.065,"end":2319.72},{"sentences":[{"text":"You've worked really hard.","start":2319.72,"end":2320.84,"sentiment":"neutral","sentiment_score":0.23175137490034103},{"text":"You've built everything up.","start":2320.84,"end":2322.2,"sentiment":"neutral","sentiment_score":0.2877199687063694},{"text":"So protecting those wishes and having an up to date will is really important to reflect your circumstances.","start":2322.2,"end":2328.86,"sentiment":"neutral","sentiment_score":0.307933096256521},{"text":"Okay?","start":2329.48,"end":2329.98,"sentiment":"neutral","sentiment_score":0.1463811993598938},{"text":"Excellent.","start":2331.555,"end":2332.035,"sentiment":"positive","sentiment_score":0.5577338933944702}],"sentiment":"neutral","sentiment_score":0.2973141499928066,"num_words":28,"start":2319.72,"end":2332.035},{"sentences":[{"text":"I'm sorry.","start":2332.035,"end":2332.595,"sentiment":"neutral","sentiment_score":0.10781474784016609},{"text":"That is a lot.","start":2332.595,"end":2333.315,"sentiment":"neutral","sentiment_score":-0.021189981140196323},{"text":"I know it's a lot, but do you have any questions at the moment?","start":2333.315,"end":2336.375,"sentiment":"neutral","sentiment_score":0.012454865300761802},{"text":"Mhmm.","start":2343.315,"end":2343.815,"sentiment":"neutral","sentiment_score":0.05940941721200943},{"text":"Yep.","start":2353.45,"end":2353.95,"sentiment":"neutral","sentiment_score":0.02204323373734951}],"sentiment":"neutral","sentiment_score":0.01757683346725323,"num_words":22,"start":2332.035,"end":2353.95},{"sentences":[{"text":"It should be reflective.","start":2354.5698,"end":2356.1099,"sentiment":"neutral","sentiment_score":0.08750809356570244},{"text":"So you do wanna make sure that you speak to a solicitor and make sure your will is reflective.","start":2356.345,"end":2361.085,"sentiment":"neutral","sentiment_score":0.05355284206177059},{"text":"Normally, in the body of the will, you just wanna make sure everything is correct.","start":2361.3052,"end":2365.865,"sentiment":"neutral","sentiment_score":0.08304588397343954},{"text":"But, normally, a solicitor will talk to you about incorporating the super assets and just noting that, you know, your super assets are to be incorporated into your estate and how you would like that split, whether you want your investment split one way, your super split another way, or whether you want everything lumped together and split out.","start":2365.865,"end":2382.68,"sentiment":"neutral","sentiment_score":0.08936517142643363},{"text":"You can also have trust set up and have, you know, income paid out to people at certain times of the year or at certain ages.","start":2382.68,"end":2390.365,"sentiment":"neutral","sentiment_score":0.08074951028594604}],"sentiment":"neutral","sentiment_score":0.08118095133847338,"num_words":123,"start":2354.5698,"end":2390.365},{"sentences":[{"text":"There's lots of different ways that you can do that.","start":2391.145,"end":2393.2249,"sentiment":"neutral","sentiment_score":0.07606669776141643},{"text":"So it is just worth speaking to a solicitor and having everything set up correctly, but also factoring in your business and making sure that your business is all sort of covered in there as well, the proceeds and what you want to happen to that and all the all the bits and pieces.","start":2393.2249,"end":2407.19,"sentiment":"neutral","sentiment_score":0.13535503922375264},{"text":"Yeah.","start":2407.73,"end":2408.23,"sentiment":"neutral","sentiment_score":0.05980274826288223},{"text":"Oh, what?","start":2410.1301,"end":2410.77,"sentiment":"neutral","sentiment_score":0.1354043111205101},{"text":"Easy.","start":2410.77,"end":2411.27,"sentiment":"neutral","sentiment_score":0.30475276708602905}],"sentiment":"neutral","sentiment_score":0.12801769460715792,"num_words":68,"start":2391.145,"end":2411.27},{"sentences":[{"text":"All good.","start":2411.41,"end":2412.15,"sentiment":"positive","sentiment_score":0.484161376953125},{"text":"I'll let you go back and have a really good read of the document as I said I've outlined.","start":2412.635,"end":2416.575,"sentiment":"neutral","sentiment_score":0.2837710749161871},{"text":"All of the all the advantages, disadvantages, and risks involved, any alternatives that we've considered as well.","start":2416.9548,"end":2423.4548,"sentiment":"neutral","sentiment_score":0.14972912739304936},{"text":"We do also have the fees noted in there.","start":2423.835,"end":2425.6602,"sentiment":"neutral","sentiment_score":0.12269408007462819},{"text":"You're paying us that ongoing service fee as a dollar figure split between the super and the investment there.","start":2425.6602,"end":2430.62,"sentiment":"neutral","sentiment_score":0.0008730280678719282}],"sentiment":"neutral","sentiment_score":0.1519121605599525,"num_words":66,"start":2411.41,"end":2430.62},{"sentences":[{"text":"That's not to change, and we'll catch up in October when there is time to review that and update that for the next twelve months.","start":2430.62,"end":2437.2,"sentiment":"neutral","sentiment_score":0.1030370669066906},{"text":"And then depending on how much you like reading, I've also got the hub 24 PDFs attached with the investment and the super side of things.","start":2438.095,"end":2445.7952,"sentiment":"neutral","sentiment_score":0.09646708160065688},{"text":"And I've also got our ongoing service sorry.","start":2445.855,"end":2448.735,"sentiment":"neutral","sentiment_score":0.019546871655620635},{"text":"Our financial services guide as that has been updated recently as well.","start":2448.735,"end":2452.1199,"sentiment":"neutral","sentiment_score":0.054424926017721496},{"text":"So you're welcome to run your eyes over that and look at any major changes with our ads as well.","start":2452.1199,"end":2456.76,"sentiment":"neutral","sentiment_score":0.10332148876041174}],"sentiment":"neutral","sentiment_score":0.08747224895549673,"num_words":91,"start":2430.62,"end":2456.76},{"sentences":[{"text":"Okay?","start":2456.76,"end":2457.26,"sentiment":"neutral","sentiment_score":0.16663549840450287},{"text":"Excellent.","start":2459.0,"end":2459.5,"sentiment":"positive","sentiment_score":0.6015938520431519},{"text":"Feel free to have a read.","start":2459.8,"end":2460.8398,"sentiment":"positive","sentiment_score":0.5290661156177521},{"text":"Let me know if there are any questions.","start":2460.8398,"end":2462.52,"sentiment":"positive","sentiment_score":0.4372948333621025},{"text":"And if you decide you're happy to take on the advice and move forward, we'll just get you to sign and return that back.","start":2462.52,"end":2467.82,"sentiment":"positive","sentiment_score":0.3896731734275818}],"sentiment":"positive","sentiment_score":0.41982852183282376,"num_words":40,"start":2456.76,"end":2467.82},{"sentences":[{"text":"If any questions come out, I always just say there's no such thing as a silly question.","start":2468.175,"end":2472.175,"sentiment":"neutral","sentiment_score":0.04156750418684062},{"text":"If it's something that you would like to know, you're welcome to let me know, and I'm more than happy to answer it for you.","start":2472.175,"end":2477.5552,"sentiment":"positive","sentiment_score":0.4379307323694229},{"text":"Okay?","start":2477.615,"end":2478.115,"sentiment":"neutral","sentiment_score":0.11138592660427094},{"text":"Oh, good.","start":2479.455,"end":2480.2751,"sentiment":"neutral","sentiment_score":0.25901980698108673},{"text":"That's correct.","start":2483.215,"end":2484.27,"sentiment":"neutral","sentiment_score":0.06824550405144691}],"sentiment":"neutral","sentiment_score":0.264273030405983,"num_words":47,"start":2468.175,"end":2484.27},{"sentences":[{"text":"Yeah.","start":2484.27,"end":2484.6702,"sentiment":"neutral","sentiment_score":0.0775294154882431},{"text":"You just click on the button.","start":2484.6702,"end":2486.05,"sentiment":"neutral","sentiment_score":0.06648333184421062},{"text":"Yeah.","start":2486.75,"end":2487.25,"sentiment":"neutral","sentiment_score":0.10990917682647704},{"text":"Absolutely.","start":2488.11,"end":2488.61,"sentiment":"neutral","sentiment_score":0.24522683024406433},{"text":"Yeah.","start":2489.07,"end":2489.55,"sentiment":"neutral","sentiment_score":0.21405786275863647}],"sentiment":"neutral","sentiment_score":0.10456232763826848,"num_words":10,"start":2484.27,"end":2489.55},{"sentences":[{"text":"Yep.","start":2489.55,"end":2489.95,"sentiment":"neutral","sentiment_score":0.2282202839851379},{"text":"And then it should automatically date it.","start":2489.95,"end":2492.27,"sentiment":"neutral","sentiment_score":0.23664521745273046},{"text":"There is a multiline there.","start":2492.27,"end":2493.71,"sentiment":"neutral","sentiment_score":0.1362197607755661},{"text":"So if there's any section of advice or anything you wanna change, you're welcome to make a note in there.","start":2493.71,"end":2498.445,"sentiment":"neutral","sentiment_score":0.1434845130890608},{"text":"That's not normally mandatory.","start":2498.685,"end":2500.625,"sentiment":"neutral","sentiment_score":-0.023796262918040156}],"sentiment":"neutral","sentiment_score":0.14433353567949017,"num_words":37,"start":2489.55,"end":2500.625},{"sentences":[{"text":"But if it won't let you pass without putting something in that box, just put NA if you're happy with all the recommendations.","start":2500.685,"end":2506.865,"sentiment":"neutral","sentiment_score":0.02530835833433388},{"text":"If there's something you wanna change or alter, you can write a little note in there as well.","start":2507.965,"end":2514.45,"sentiment":"neutral","sentiment_score":0.11027097246713108},{"text":"Okay.","start":2514.45,"end":2514.65,"sentiment":"neutral","sentiment_score":0.2445129007101059},{"text":"Excellent.","start":2514.65,"end":2515.15,"sentiment":"positive","sentiment_score":0.3563123941421509},{"text":"Yeah.","start":2517.69,"end":2518.19,"sentiment":"neutral","sentiment_score":0.14858919382095337}],"sentiment":"neutral","sentiment_score":0.07537236897207383,"num_words":44,"start":2500.685,"end":2518.19},{"sentences":[{"text":"Yeah.","start":2522.0898,"end":2522.5898,"sentiment":"neutral","sentiment_score":0.09263865649700163},{"text":"Yeah.","start":2524.01,"end":2524.49,"sentiment":"neutral","sentiment_score":0.10416744649410248},{"text":"So we'll it said to it's gonna be takes yeah.","start":2524.49,"end":2527.735,"sentiment":"neutral","sentiment_score":0.05479480288922787},{"text":"Correct.","start":2527.735,"end":2528.135,"sentiment":"neutral","sentiment_score":0.156650573015213},{"text":"So we start to submit those changes.","start":2528.135,"end":2529.915,"sentiment":"neutral","sentiment_score":0.0979796392577035}],"sentiment":"neutral","sentiment_score":0.07936310898512602,"num_words":20,"start":2522.0898,"end":2529.915},{"sentences":[{"text":"You might receive emails in the back end to show that we're buying and selling bits and pieces.","start":2530.215,"end":2534.215,"sentiment":"neutral","sentiment_score":0.08151139608687824},{"text":"It can take anywhere up to a couple of weeks to complete the changes.","start":2534.215,"end":2537.975,"sentiment":"neutral","sentiment_score":0.07306914031505585},{"text":"Selling Ben along is a bit of a process because it's a managed fund and it is harder to sell.","start":2537.975,"end":2542.6,"sentiment":"neutral","sentiment_score":-0.005606502294540405},{"text":"But majority investors can all be switched within about a week.","start":2543.06,"end":2546.4202,"sentiment":"neutral","sentiment_score":0.029030346565625885},{"text":"It's just Benelon can take a little bit longer.","start":2546.4202,"end":2548.6802,"sentiment":"neutral","sentiment_score":0.014569288223154016}],"sentiment":"neutral","sentiment_score":0.03928472853213963,"num_words":72,"start":2530.215,"end":2548.6802},{"sentences":[{"text":"So we start that process nice and quick and get it over and done with as quickly as possible for you.","start":2548.74,"end":2554.235,"sentiment":"neutral","sentiment_score":0.20844765504201254},{"text":"Okay.","start":2554.455,"end":2554.955,"sentiment":"neutral","sentiment_score":0.08124150335788727},{"text":"Excellent.","start":2556.2952,"end":2556.7952,"sentiment":"positive","sentiment_score":0.5060192942619324},{"text":"All good.","start":2557.175,"end":2557.915,"sentiment":"positive","sentiment_score":0.40140439569950104},{"text":"Yeah.","start":2559.975,"end":2560.475,"sentiment":"neutral","sentiment_score":0.14853385090827942}],"sentiment":"neutral","sentiment_score":0.22753862291574478,"num_words":26,"start":2548.74,"end":2560.475},{"sentences":[{"text":"That's absolutely fine.","start":2561.175,"end":2562.635,"sentiment":"positive","sentiment_score":0.46958691875139874},{"text":"That's absolutely fine.","start":2563.3352,"end":2564.615,"sentiment":"positive","sentiment_score":0.6527949174245199},{"text":"It's been a pleasure to put this together, and I really enjoyed putting the research together for you as well.","start":2564.615,"end":2569.5298,"sentiment":"positive","sentiment_score":0.8758510887622833},{"text":"So, you know, if there's ever any questions or anything else comes up, please let us know, and I'll definitely make sure we catch up in October to see how things are going, review everything, and I look forward to what we can help you with next year as well.","start":2569.5298,"end":2581.9248,"sentiment":"positive","sentiment_score":0.49537777543067935},{"text":"Easy.","start":2582.4648,"end":2582.9648,"sentiment":"positive","sentiment_score":0.3762533664703369}],"sentiment":"positive","sentiment_score":0.5977832392438666,"num_words":77,"start":2561.175,"end":2582.9648},{"sentences":[{"text":"Once you press sign and it puts your your signature in there, then the date should automatically come up.","start":2589.6648,"end":2596.17,"sentiment":"neutral","sentiment_score":0.0762486644089222},{"text":"If it doesn't, just press on the date, and it should happen.","start":2596.17,"end":2598.8098,"sentiment":"neutral","sentiment_score":0.052136062644422054},{"text":"And then at at the bottom, there should be another box that's appeared.","start":2598.8098,"end":2603.21,"sentiment":"neutral","sentiment_score":0.04526568662661772},{"text":"It should say continue or next or finalized.","start":2603.21,"end":2606.2651,"sentiment":"neutral","sentiment_score":0.05119676748290658},{"text":"Next.","start":2608.485,"end":2608.985,"sentiment":"neutral","sentiment_score":0.0959513783454895}],"sentiment":"neutral","sentiment_score":0.059779939997308656,"num_words":53,"start":2589.6648,"end":2608.985},{"sentences":[{"text":"Perfect.","start":2609.205,"end":2609.705,"sentiment":"neutral","sentiment_score":0.21780966222286224},{"text":"Yep.","start":2612.325,"end":2612.825,"sentiment":"neutral","sentiment_score":0.04299811273813248},{"text":"So just yeah.","start":2612.885,"end":2613.945,"sentiment":"neutral","sentiment_score":0.031262884537378945},{"text":"If there's nothing, you can just put NA.","start":2614.405,"end":2616.42,"sentiment":"neutral","sentiment_score":0.020430504460819066},{"text":"Yeah.","start":2616.42,"end":2616.92,"sentiment":"neutral","sentiment_score":0.05315927416086197}],"sentiment":"neutral","sentiment_score":0.04079998131575329,"num_words":14,"start":2609.205,"end":2616.92},{"sentences":[{"text":"And then it should say next or finalized or complete.","start":2618.5,"end":2621.48,"sentiment":"neutral","sentiment_score":0.06346533596515655},{"text":"Yep.","start":2623.6199,"end":2624.1199,"sentiment":"neutral","sentiment_score":0.0946529135107994},{"text":"Perfect.","start":2628.875,"end":2629.375,"sentiment":"neutral","sentiment_score":0.27426213026046753},{"text":"Shouldn't let you go through that one.","start":2638.635,"end":2641.05,"sentiment":"neutral","sentiment_score":-0.0189763108002288},{"text":"There shouldn't be a signature required there.","start":2641.1301,"end":2643.23,"sentiment":"neutral","sentiment_score":-0.12871533632278442}],"sentiment":"neutral","sentiment_score":-0.0011643510168561568,"num_words":26,"start":2618.5,"end":2643.23},{"sentences":[{"text":"Perfect.","start":2647.53,"end":2648.03,"sentiment":"positive","sentiment_score":0.5773118734359741},{"text":"And then it will just email us once it's all done, and you'll get an email copy as well.","start":2649.53,"end":2653.37,"sentiment":"neutral","sentiment_score":0.23114776376046633},{"text":"And we can always download and resend them to you if you ever need a copy at any point in time.","start":2653.37,"end":2658.2551,"sentiment":"neutral","sentiment_score":0.19915940541596638},{"text":"Okay.","start":2658.315,"end":2658.815,"sentiment":"neutral","sentiment_score":0.2563280761241913},{"text":"Wonderful.","start":2660.875,"end":2661.375,"sentiment":"positive","sentiment_score":0.7926228046417236}],"sentiment":"neutral","sentiment_score":0.23721901812525684,"num_words":43,"start":2647.53,"end":2661.375},{"sentences":[{"text":"Not a problem at all.","start":2663.915,"end":2664.795,"sentiment":"positive","sentiment_score":0.5623331785202026},{"text":"Thank you so much for your time.","start":2664.795,"end":2666.155,"sentiment":"positive","sentiment_score":0.750951852117266},{"text":"I hope you have a lovely afternoon.","start":2666.155,"end":2671.033,"sentiment":"positive","sentiment_score":0.6327887518065316},{"text":"My pleasure.","start":2671.253,"end":2671.813,"sentiment":"neutral","sentiment_score":0.32718700543046},{"text":"Thanks, Bronwyn.","start":2671.813,"end":2672.633,"sentiment":"positive","sentiment_score":0.5043578445911407}],"sentiment":"positive","sentiment_score":0.6156930356569912,"num_words":23,"start":2663.915,"end":2672.633},{"sentences":[{"text":"See you later.","start":2672.693,"end":2673.433,"sentiment":"neutral","sentiment_score":0.1554781049489975},{"text":"Bye.","start":2673.573,"end":2674.073,"sentiment":"neutral","sentiment_score":0.15445607900619507}],"sentiment":"neutral","sentiment_score":0.1552225984632969,"num_words":4,"start":2672.693,"end":2674.073}]}}]},{"alternatives":[{"transcript":"Hello? Hello? Hi, Brooklyn. This is Good. How are you? Yeah. That's fine. Yep. Yes. I can do that. Yeah. Okay. Yes. So Bronwyn Eklund, address is 4 Slash 12 Topaz Court, Holywell, Queensland 4216. And is that it or date of birth? No. Yep. Eleventh of the ninth sixty nine. Yeah. Not too bad. Yeah. Sorry. I'm just opening my email. No. That's fine. That's fine. I just usually use it on my phone. You know, it's so much easier. Now I'm just log logging into a laptop so I can see it easier. Yeah. Okay. Got it. Sign. So I click on sign document. Yep. Yep. Yep. Got it. Yep. Mhmm. Yep. Yeah. Sure. Mhmm. Okay. Sure. Yep. Yes. Yep. Yes. Yeah. That's fine. Yep. Mhmm. Okay. Yeah. I think so. Yep. That looks good. No. I haven't done anything this year, but going to Japan in November. Yeah. For two weeks. Yeah. Yeah. Yeah. It should be it should be really good. Yeah. I don't plan to use any of that investment money for that anyway. Yeah. Yes. Okay. Yes. Great. Yep. Mhmm. Mhmm. Mhmm. Okay. Okay. 15. Yep. Okay. Yep. Gotcha. Yep. Yeah. Yes. No. That's good. Okay. Yep. Mhmm. Okay. Okay. Correct. Yeah. Yeah. Okay. Okay. Right. Yes. Okay. Yep. Yep. Okay. Right. Okay. Right. Yep. Mhmm. Okay. Yep. Yeah. Yeah. Yeah. So no. So you're saying when you when I retire and I can access the super, so if I do take money out of the super, it's it's tax free. Is that right? Yep. Yep. Right. Mhmm. Okay. Mhmm. Yep. Yep. Right. Okay. Yep. Mhmm. Right. Yep. Yep. Yeah. Definitely. So you should after working your whole life, I guess. Yeah. Yep. Yep. Yeah. Cool. What's what's the income tax percentage at the moment across the board? No. For non super, just for income. Yeah. Is it yeah. Yeah. The threshold. Yeah. That is 30 percent. Yeah. Well okay. Yep. Yep. Yeah. Gotcha. Yeah. Wow. That's pretty high, isn't it? Yeah. Yeah. Yeah. Alright. Yep. Yep. Cool. Yeah. Yeah. Yeah. My my daughter's living in London at the moment, and she was talking about it the other day saying that our tax is about 30%. I'm like, I don't think it's that much. And she's like, yes. It is, ma'am, because she works in or she used to work in finance here in Australia. Now she's over there, and so she's yeah. So she's right. Yeah. Mhmm. Okay. Alright. Yep. Yeah. Cool. Yep. Yep. So is that is that the mine so the minus red ones, are they the ones you're talking about changing? Yeah. Yep. Okay. Yep. Yep. Mhmm. Right. Mhmm. Yep. Yes. Before you before you lose more money. Yeah. Okay. Okay. Yep. Mhmm. Mhmm. Yes. Yep. Okay. Okay. Mhmm. Mhmm. Mhmm. Yep. Mhmm. Mhmm. Okay. Okay. Yep. Mhmm. Mhmm. Okay. Mhmm. Alright. Okay. Yep. Okay. Yep. Mhmm. Mhmm. Yep. Okay. Yep. Alright. Okay. Mhmm. Okay. Mhmm. Yep. Mhmm. Okay. Yep. No. I don't think so. It's pretty straightforward. So the the the shares and things that you're selling are going into the other ones where it's a better green. Correct? And that's the that's the percentage showing. Yep. Yep. Okay. And, obviously, there's lots more than what's listed there, but these are just the ones that are effective now. Yeah? Yeah. Yep. Yep. Okay. Right. Okay. Mhmm. Yep. And is is sorry. Is hub 24 still the best option for me? Yep. Yeah. Cool. Yep. Yep. Okay. Okay. Okay. Okay. Cool. Yep. Mhmm. Mhmm. Yeah. Considering considering all the considering the global ups and downs, but I guess that's usual. Yeah. Mhmm. Okay. Okay. Mhmm. Okay. Cool. Okay. Mhmm. Yeah. Yep. Yep. Okay. Yeah. Yep. Yep. No worries. Mhmm. Okay. Yes. Yep. Yep. A trade. Did you say? Yep. A trade. Okay. Okay. Yep. Right. Yeah. Yeah. Yeah. Yeah. Yep. Okay. Yep. Okay. Cool. Looks good. Mhmm. Okay. Mhmm. Mhmm. Okay. Yep. Mhmm. Yep. Yeah. Okay. Okay. Okay. Yep. Yep. Okay. Okay. Yep. Yep. Mhmm. Yep. Mhmm. Mhmm. Mhmm. Okay. Mhmm. Mhmm. Okay. Yep. Yep. Yeah. Okay. Cool. Mhmm. Mhmm. Mhmm. Okay. Okay. Yes. Okay. Cool. Mhmm. Yep. Okay. Yep. Yep. Mhmm. Mhmm. Okay. Go ahead. Summary? Yep. Yep. Yep. Yep. Mhmm. Okay. Yep. Yep. Okay. Yep. Mhmm. Okay. Cool. Can I just ask it's it's probably a silly question, but does any of this affect my do I have to pay, you know, pay tax at the end of the financial year with any of all these changes happening? Does it affect any of that? Yes. So that's what you are just saying. Yep. Yep. Yes. Yes. Okay. Got you. Yep. Okay. Yep. Yeah. Yeah. Yeah. Yeah. Yep. Yep. Yep. Gotcha. Yep. Yeah. It is. Yeah. Yeah. Yeah. Great. Yeah. Yep. Yeah. Okay. Mhmm. Mhmm. Yeah. Yeah. Yeah. Definitely. Okay. Yeah. Good. Mhmm. Yep. Mhmm. Okay. Great. Yep. Mhmm. Mhmm. Yep. Okay. Cool. Yep. Mhmm. Yes. Yep. Yeah. Mhmm. Right. Mhmm. Yep. Yep. Yep. Okay. Yep. Yep. Yeah. Yeah. Yeah. Yep. All good. Mhmm. Yep. Yep. Right. Yeah. Yeah. Yeah. Yep. Yep. Yep. No worries. All good. No. I don't think so. So you just said if I change this, which is great with the with the, yeah, non bind the binding non lapsing, do I have to change the will to stipulate that, or is it yeah. Yeah. Mhmm. Yep. Yep. Okay. Yep. Okay. Yeah. Yeah. Yeah. Okay. No worries. Yep. Okay. Okay. Okay. Okay. Sure. So I just pretty much, when I'm ready, just sign page 38. Is that right? And date it. It's it's just the one one signature. Yep. Okay. Okay. Okay. Yep. Okay. No worries. So so then as soon as you get this back, you pretty much take make the changes that you discussed in the super and the investment. Yep. Sell sell off and buy. Yep. Right. Right. Yep. Yep. Okay. No worries. Well, I might just I might just sign it now while I've got time. Just get it done. Mhmm. Yeah. Cool. So do I do I just so I'll sign it. Is there a submit button or do I save it? Or yep. Yep. Yeah. Now it has. Yeah. It's come up. Yep. Next. Got you. Yep. So, actually, the the text. The text box. Yeah. Not a physical. Yep. Okay. Next document. Okay. Cool. And then it's just yep. Next document. I am in the financial guide. Send it completed. Yeah. It's it's yeah. No. It's validating and sending, so that should be alright. Yep. Okay. Okay. Cool. Sounds good. Alright. Well, thank you very much for that. Well done. Yes. Will do. Thank you so much. See you. See you later. Bye. 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Hello? Hi, Brooklyn. This is Good. How are you?\n\nYeah. That's fine. Yep. Yes. I can do that.\n\nYeah. Okay. Yes. So Bronwyn Eklund, address is 4 Slash 12 Topaz Court, Holywell, Queensland 4216. And is that it or date of birth?\n\nNo. Yep. Eleventh of the ninth sixty nine. Yeah. Not too bad.\n\nYeah. Sorry. I'm just opening my email. No. That's fine.\n\nThat's fine. I just usually use it on my phone. You know, it's so much easier. Now I'm just log logging into a laptop so I can see it easier. Yeah.\n\nOkay. Got it. Sign. So I click on sign document. Yep.\n\nYep. Yep. Got it. Yep. Mhmm.\n\nYep. Yeah. Sure. Mhmm. Okay.\n\nSure. Yep. Yes. Yep. Yes.\n\nYeah. That's fine. Yep. Mhmm. Okay.\n\nYeah. I think so. Yep. That looks good. No.\n\nI haven't done anything this year, but going to Japan in November. Yeah. For two weeks. Yeah. Yeah.\n\nYeah. It should be it should be really good. Yeah. I don't plan to use any of that investment money for that anyway. Yeah.\n\nYes. Okay. Yes. Great. Yep.\n\nMhmm. Mhmm. Mhmm. Okay. Okay.\n\n15. Yep. Okay. Yep. Gotcha.\n\nYep. Yeah. Yes. No. That's good.\n\nOkay. Yep. Mhmm. Okay. Okay.\n\nCorrect. Yeah. Yeah. Okay. Okay.\n\nRight. Yes. Okay. Yep. Yep.\n\nOkay. Right. Okay. Right. Yep.\n\nMhmm. Okay. Yep. Yeah. Yeah.\n\nYeah. So no. So you're saying when you when I retire and I can access the super, so if I do take money out of the super, it's it's tax free. Is that right? Yep.\n\nYep. Right. Mhmm. Okay. Mhmm.\n\nYep. Yep. Right. Okay. Yep.\n\nMhmm. Right. Yep. Yep. Yeah.\n\nDefinitely. So you should after working your whole life, I guess. Yeah. Yep. Yep.\n\nYeah. Cool. What's what's the income tax percentage at the moment across the board? No. For non super, just for income.\n\nYeah. Is it yeah. Yeah. The threshold. Yeah.\n\nThat is 30 percent. Yeah. Well okay. Yep. Yep.\n\nYeah. Gotcha. Yeah. Wow. That's pretty high, isn't it?\n\nYeah. Yeah. Yeah. Alright. Yep.\n\nYep. Cool. Yeah. Yeah. Yeah.\n\nMy my daughter's living in London at the moment, and she was talking about it the other day saying that our tax is about 30%. I'm like, I don't think it's that much. And she's like, yes. It is, ma'am, because she works in or she used to work in finance here in Australia. Now she's over there, and so she's yeah.\n\nSo she's right. Yeah. Mhmm. Okay. Alright.\n\nYep. Yeah. Cool. Yep. Yep.\n\nSo is that is that the mine so the minus red ones, are they the ones you're talking about changing? Yeah. Yep. Okay. Yep.\n\nYep. Mhmm. Right. Mhmm. Yep.\n\nYes. Before you before you lose more money. Yeah. Okay. Okay.\n\nYep. Mhmm. Mhmm. Yes. Yep.\n\nOkay. Okay. Mhmm. Mhmm. Mhmm.\n\nYep. Mhmm. Mhmm. Okay. Okay.\n\nYep. Mhmm. Mhmm. Okay. Mhmm.\n\nAlright. Okay. Yep. Okay. Yep.\n\nMhmm. Mhmm. Yep. Okay. Yep.\n\nAlright. Okay. Mhmm. Okay. Mhmm.\n\nYep. Mhmm. Okay. Yep. No.\n\nI don't think so. It's pretty straightforward. So the the the shares and things that you're selling are going into the other ones where it's a better green. Correct? And that's the that's the percentage showing.\n\nYep. Yep. Okay. And, obviously, there's lots more than what's listed there, but these are just the ones that are effective now. Yeah?\n\nYeah. Yep. Yep. Okay. Right.\n\nOkay. Mhmm. Yep. And is is sorry. Is hub 24 still the best option for me?\n\nYep. Yeah. Cool. Yep. Yep.\n\nOkay. Okay. Okay. Okay. Cool.\n\nYep. Mhmm. Mhmm. Yeah. Considering considering all the considering the global ups and downs, but I guess that's usual.\n\nYeah. Mhmm. Okay. Okay. Mhmm.\n\nOkay. Cool. Okay. Mhmm. Yeah.\n\nYep. Yep. Okay. Yeah. Yep.\n\nYep. No worries. Mhmm. Okay. Yes.\n\nYep. Yep. A trade. Did you say? Yep.\n\nA trade. Okay. Okay. Yep. Right.\n\nYeah. Yeah. Yeah. Yeah. Yep.\n\nOkay. Yep. Okay. Cool. Looks good.\n\nMhmm. Okay. Mhmm. Mhmm. Okay.\n\nYep. Mhmm. Yep. Yeah. Okay.\n\nOkay. Okay. Yep. Yep. Okay.\n\nOkay. Yep. Yep. Mhmm. Yep.\n\nMhmm. Mhmm. Mhmm. Okay. Mhmm.\n\nMhmm. Okay. Yep. Yep. Yeah.\n\nOkay. Cool. Mhmm. Mhmm. Mhmm.\n\nOkay. Okay. Yes. Okay. Cool.\n\nMhmm. Yep. Okay. Yep. Yep.\n\nMhmm. Mhmm. Okay. Go ahead. Summary?\n\nYep. Yep. Yep. Yep. Mhmm.\n\nOkay. Yep. Yep. Okay. Yep.\n\nMhmm. Okay. Cool. Can I just ask it's it's probably a silly question, but does any of this affect my do I have to pay, you know, pay tax at the end of the financial year with any of all these changes happening? Does it affect any of that?\n\nYes. So that's what you are just saying. Yep. Yep. Yes.\n\nYes. Okay. Got you. Yep. Okay.\n\nYep. Yeah. Yeah. Yeah. Yeah.\n\nYep. Yep. Yep. Gotcha. Yep.\n\nYeah. It is. Yeah. Yeah. Yeah.\n\nGreat. Yeah. Yep. Yeah. Okay.\n\nMhmm. Mhmm. Yeah. Yeah. Yeah.\n\nDefinitely. Okay. Yeah. Good. Mhmm.\n\nYep. Mhmm. Okay. Great. Yep.\n\nMhmm. Mhmm. Yep. Okay. Cool.\n\nYep. Mhmm. Yes. Yep. Yeah.\n\nMhmm. Right. Mhmm. Yep. Yep.\n\nYep. Okay. Yep. Yep. Yeah.\n\nYeah. Yeah. Yep. All good. Mhmm.\n\nYep. Yep. Right. Yeah. Yeah.\n\nYeah. Yep. Yep. Yep. No worries.\n\nAll good. No. I don't think so. So you just said if I change this, which is great with the with the, yeah, non bind the binding non lapsing, do I have to change the will to stipulate that, or is it yeah. Yeah.\n\nMhmm. Yep. Yep. Okay. Yep.\n\nOkay. Yeah. Yeah. Yeah. Okay.\n\nNo worries. Yep. Okay. Okay. Okay.\n\nOkay. Sure. So I just pretty much, when I'm ready, just sign page 38. Is that right? And date it.\n\nIt's it's just the one one signature. Yep. Okay. Okay. Okay.\n\nYep. Okay. No worries. So so then as soon as you get this back, you pretty much take make the changes that you discussed in the super and the investment. Yep.\n\nSell sell off and buy. Yep. Right. Right. Yep.\n\nYep. Okay. No worries. Well, I might just I might just sign it now while I've got time. Just get it done.\n\nMhmm. Yeah. Cool. So do I do I just so I'll sign it. Is there a submit button or do I save it?\n\nOr yep. Yep. Yeah. Now it has. Yeah.\n\nIt's come up. Yep. Next. Got you. Yep.\n\nSo, actually, the the text. The text box. Yeah. Not a physical. Yep.\n\nOkay. Next document. Okay. Cool. And then it's just yep.\n\nNext document. I am in the financial guide. Send it completed. Yeah. It's it's yeah.\n\nNo. It's validating and sending, so that should be alright. Yep. Okay. Okay.\n\nCool. Sounds good. Alright. Well, thank you very much for that. Well done.\n\nYes. Will do. Thank you so much. See you. See you later.\n\nBye. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.39999998,"end":0.9,"sentiment":"neutral","sentiment_score":0.013971321284770966},{"text":"Hello?","start":4.0,"end":4.5,"sentiment":"neutral","sentiment_score":0.023807980120182037},{"text":"Hi, Brooklyn.","start":5.8399997,"end":6.56,"sentiment":"neutral","sentiment_score":0.15085230022668839},{"text":"This is Good.","start":6.56,"end":9.679999,"sentiment":"neutral","sentiment_score":0.25054892897605896},{"text":"How are you?","start":9.679999,"end":10.58,"sentiment":"neutral","sentiment_score":0.3105459411938985}],"sentiment":"neutral","sentiment_score":0.2022768512368202,"num_words":10,"start":0.39999998,"end":10.58},{"sentences":[{"text":"Yeah.","start":17.735,"end":18.055,"sentiment":"neutral","sentiment_score":0.1437508463859558},{"text":"That's 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Hello?\n\nChannel 0: Hi, Bronwyn.\n\nChannel 1: Hi, Brooklyn.\n\nChannel 0: This is Dana\n\nChannel 1: This\n\nChannel 0: from\n\nChannel 1: is\n\nChannel 0: Okie Financial. How are you this afternoon?\n\nChannel 1: Good. How are you?\n\nChannel 0: I'm very well. Thank you. Thanks for asking. I had you booked in to go through your updated statement of advice. Is now still a good time there for you?\n\nChannel 1: Yeah. That's fine. Yep.\n\nChannel 0: Fantastic. Do you have access to your email, sir? I just normally send through the advice documents so you can have a look at it with me. Are you able to pull up your email, sir, at the moment?\n\nChannel 1: Yes. I can\n\nChannel 0: Yes.\n\nChannel 1: do that.\n\nChannel 0: Fantastic.\n\nChannel 1: Yeah.\n\nChannel 0: I'll just press send on that one for you. It'll just come through from.\n\nChannel 1: Okay.\n\nChannel 0: Excellent. And just while that is coming through there, Brahm, when I'll just do a quick security check there with you. And, also, just to confirm, we do record our calls for quality and training purposes. Are you happy for us to proceed with that?\n\nChannel 1: Yes.\n\nChannel 0: Fantastic. And just to do security there, just to confirm, your full name, your date of birth, and address I should\n\nChannel 1: So\n\nChannel 0: have\n\nChannel 1: Bronwyn\n\nChannel 0: on\n\nChannel 1: Eklund,\n\nChannel 0: file? Yep.\n\nChannel 1: address is 4 Slash 12 Topaz Court, Holywell, Queensland 4216.\n\nChannel 0: Beautiful.\n\nChannel 1: And\n\nChannel 0: Thank you so much.\n\nChannel 1: is\n\nChannel 0: Yes.\n\nChannel 1: that it or\n\nChannel 0: I\n\nChannel 1: date of birth? No.\n\nChannel 0: yeah. Date of birth as well. Sorry. Yep.\n\nChannel 1: Yep. Eleventh of the ninth sixty nine.\n\nChannel 0: Beautiful. Thank you so much for that. And how's your day been so far?\n\nChannel 1: Yeah. Not too bad. Yeah.\n\nChannel 0: That's good. That's excellent. Excellent. Has that email popped through to you there at all?\n\nChannel 1: Sorry. I'm just opening my email.\n\nChannel 0: No. You're fine. You just let me know to slow down. Sorry about that.\n\nChannel 1: No. That's fine. That's fine. I just usually use it on my phone. You know, it's so much easier.\n\nNow I'm just log logging into a laptop so I can see it easier.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: No. That's okay. That's not a problem at all.\n\nChannel 1: Okay. Got it.\n\nChannel 0: Perfect.\n\nChannel 1: Sign. So I click on sign document. Yep.\n\nChannel 0: Yep. Just do that. It'll take you through so you can see the document\n\nChannel 1: Yep.\n\nChannel 0: itself. The one that we are looking at is a statement of advice. It should be the first document there.\n\nChannel 1: Yep. Got it. Yep.\n\nChannel 0: Beautiful. Notes that has been prepared for yourself, Romain Edlund, as of the 08/05/2026. On the bottom of\n\nChannel 1: Mhmm.\n\nChannel 0: the first page has my authorized representative number. So I'm a licensed financial adviser with Asic there, and my license number is 1304394. We'll skip a couple of pages. Essentially, I'll just take you to the sections that I need to to make sure you get the information, and then you're\n\nChannel 1: Yep.\n\nChannel 0: welcome to go back and have a really good read of the document, the document\n\nChannel 1: Yeah.\n\nChannel 0: outlines\n\nChannel 1: Sure.\n\nChannel 0: as a whole, the recommendations that I'll go through with you, as well as\n\nChannel 1: Mhmm.\n\nChannel 0: any advantages, disadvantages, and risks involved, and any considerate sorry. Any alternative considerations that we have made as well for you. Okay?\n\nChannel 1: Okay. Sure. Yep.\n\nChannel 0: Excellent. If I can get you to scroll down to page number three for me, sometimes\n\nChannel 1: Yes.\n\nChannel 0: your document might have it as four, but we have the heading, the scope in of\n\nChannel 1: Yep.\n\nChannel 0: advice section. That's the one you're\n\nChannel 1: Yes.\n\nChannel 0: looking at.\n\nChannel 1: Yeah.\n\nChannel 0: Ben\n\nChannel 1: That's fine.\n\nChannel 0: has fantastic.\n\nChannel 1: Yep.\n\nChannel 0: So the areas that we are looking at with regards to the advice document are areas of superannuation and investments. The last time we caught up, we did your review, and we had a bit of a look at your superannuation. I noted there might be some changes that we need to make to some of the investments to make sure they continue working harder for you as well. We\n\nChannel 1: Mhmm.\n\nChannel 0: also did wanna have a look at your super as well as the investment portfolio. We talked about whether you wanted to keep the investment or look at trying to consolidate that in certain ways. So I have done a lot of research around whether or not we keep them as they are or whether we look to move some money into super for you, and I have made a recommendation below, which I'll go through with you.\n\nChannel 1: Okay.\n\nChannel 0: The so your goal when we sort of spoke with regard to your super that was that you were looking to retire around about age 65 and, hopefully, your income of about $1,000 a week. Does that still feel appropriate to your circumstances and your super goal currently?\n\nChannel 1: Yeah. I think so. Yep. That looks\n\nChannel 0: Yeah.\n\nChannel 1: good.\n\nChannel 0: That's okay. Excellent. And with the investment, you essentially wanted to keep an emergency buffer and have flexibility within the investment account to pull money out where need be for unexpected needs or discretionary spending and or travel that you definitely would like to do down the track. Have you had any travel plans this year or done anything this year so far?\n\nChannel 1: No. I haven't done anything this year, but going to Japan in November.\n\nChannel 0: Fantastic. How long\n\nChannel 1: Yeah.\n\nChannel 0: for?\n\nChannel 1: For two\n\nChannel 0: Oh, that'll\n\nChannel 1: weeks.\n\nChannel 0: be amazing. Everyone here who's\n\nChannel 1: Yeah.\n\nChannel 0: been to Japan says it's incredible.\n\nChannel 1: Yeah. Yeah. It should be it should be really good.\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: I don't plan to use any of that investment money for\n\nChannel 0: That's\n\nChannel 1: that\n\nChannel 0: okay.\n\nChannel 1: anyway.\n\nChannel 0: No. That's okay. That's not a problem at all.\n\nChannel 1: Yeah.\n\nChannel 0: We've also scoped in the estate planning side of things. So one of the things we talked about was that you wanted your super in the event of passing away\n\nChannel 1: Yes.\n\nChannel 0: to be passed to your children in the most tax effective way. So I have made a recommendation to update your beneficiary nomination so that it does reflect the most tax effective way to pass to your children, and I'll go through\n\nChannel 1: Okay.\n\nChannel 0: that shortly as\n\nChannel 1: Yes.\n\nChannel 0: well.\n\nChannel 1: Great.\n\nChannel 0: Okay.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Areas that we're not considering, you did have a goal with your guide to your business to grow and keep building that. We're not providing any additional advice at the moment. And, also,\n\nChannel 1: Mhmm.\n\nChannel 0: your goal of traveling to Japan for business, we're not scoping anything in with regards to your trip to Japan either.\n\nChannel 1: Mhmm.\n\nChannel 0: However, down the track, if you wanted additional advice to come back, we can talk about what we're able to provide and assist you in other areas as well. Okay.\n\nChannel 1: Mhmm. Okay.\n\nChannel 0: Excellent. We'll scroll past a couple of pages now. And if I can get you sorry. Just go down to page number 15. I'll start by going through the changes and what I am recommending for you.\n\nOkay?\n\nChannel 1: Okay.\n\nChannel 0: Excellent.\n\nChannel 1: 15. Yep.\n\nChannel 0: It'll have investments and a whole big table with lots of red and green and all the investment\n\nChannel 1: Okay.\n\nChannel 0: options noted.\n\nChannel 1: Yep. Gotcha. Yep.\n\nChannel 0: That's beautiful. You can sort of see why we like to have the document in front of you to make things a\n\nChannel 1: Yeah.\n\nChannel 0: little bit easy when going through it.\n\nChannel 1: Yes. No. That's good.\n\nChannel 0: Essentially, what I am recommending is that with regard to your super and also the investment is that we do look at holding them exactly the way they are. I'm I'm not recommending that we we withdraw anything from the investment account to put in the super at the moment. To give you a bit of a breakdown, I did look at doing so. I did look at the capital gains\n\nChannel 1: Okay.\n\nChannel 0: around doing so and how we could do so. As much\n\nChannel 1: Yep.\n\nChannel 0: as we do have availability and can utilize carry form catch ups and additional contributions to boost up your super, When I\n\nChannel 1: Mhmm.\n\nChannel 0: sort of looked at the the capital gains consequences of selling anything down now because you are still working and with the estimated income that you've got, it just did not work out into your benefit.\n\nChannel 1: Okay.\n\nChannel 0: Essentially, it would there'll be too much of a capital gains risk on yourself. There are contributions we can make to limit those contribution to limit those capital gains\n\nChannel 1: Okay. Correct.\n\nChannel 0: taxes.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: But in doing so, it didn't really provide you with any great benefit to doing so. So I have recommended that we don't we that we do just keep the super and the investments exactly as they are for the time being.\n\nChannel 1: Okay. Okay.\n\nChannel 0: As an alternative, what we can look at doing in the future as a future consideration is to when you do retire and you're depending on what happens with your business and whether you're still able to draw income or whether you keep the business running through retirement,\n\nChannel 1: Right.\n\nChannel 0: essentially, we look at what your taxable income looks like. Generally speaking, in retirement. If we're not earning any income except from super, because it's a tax free income, our tax free threshold drops below that 18,200 mark. So if you're under that sort of tax free threshold, then we\n\nChannel 1: Yes.\n\nChannel 0: could look at drawing money out of the investment in increments and boosting up your super that way. That way,\n\nChannel 1: Okay.\n\nChannel 0: making sure that the capital gains don't affect you, doing it in smaller increments to make sure we're not overstepping the the tax free threshold or, you know, we're\n\nChannel 1: Yep.\n\nChannel 0: not causing any major capital gains effect for you. It does mean it would be a slower process to sort of transfer money into. The\n\nChannel 1: Yep. Okay.\n\nChannel 0: main sort of difference or reason we would look to do that down the track is that when you reach retirement, you everything in the super system becomes fully tax free. You'll be over 60,\n\nChannel 1: Right.\n\nChannel 0: meet that condition of release. The income that you're drawn drawing out of that is completely tax free to you. By\n\nChannel 1: Okay.\n\nChannel 0: drawing money out of the investment in your own personal name, that income still remains taxable. So you'll still pay income tax and capital gains tax. So if you're earning over the and\n\nChannel 1: Right.\n\nChannel 0: that always accounted for in your own personal name. So we can look at that\n\nChannel 1: Yep.\n\nChannel 0: down the track, see how things are going when you do retire, and look at strategies and look at those sorts of increments there. But I did\n\nChannel 1: Mhmm.\n\nChannel 0: factor\n\nChannel 1: Okay.\n\nChannel 0: all of those options in, and it doesn't\n\nChannel 1: Yep.\n\nChannel 0: work in any in your benefit. The last thing we want is to cause more cause you having to pay more tax.\n\nChannel 1: Yeah.\n\nChannel 0: There\n\nChannel 1: Yeah.\n\nChannel 0: is\n\nChannel 1: Yeah.\n\nChannel 0: absolutely no reason to do that, and we wanna make sure you're right. Sorry. Go.\n\nChannel 1: So\n\nChannel 0: Yeah.\n\nChannel 1: no. So you're saying when you when I retire and I can access the super,\n\nChannel 0: Mhmm.\n\nChannel 1: so if I do take money out of the super, it's it's tax free. Is that right?\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: So once you once you at the moment, the earliest we can access super is 60 so long as we meet a condition of release and fully retire.\n\nChannel 1: Right.\n\nChannel 0: Your goal age is 65. But at the\n\nChannel 1: Mhmm.\n\nChannel 0: moment, if you decide at 60 you no longer wanna work, that's absolutely fine. You let me know. We can look at what we can do and strategies to put in place, and we can update the advice to reflect.\n\nChannel 1: Okay.\n\nChannel 0: But, yeah, current currently, once you hit that condition of release and you fully retire, we move you into pension phase. The\n\nChannel 1: Mhmm.\n\nChannel 0: benefits there are any income you draw at is completely tax free to yourself. You can access\n\nChannel 1: Yep.\n\nChannel 0: all of your super. There's no\n\nChannel 1: Yep.\n\nChannel 0: limitations. They do have a minimum balance that you have to take. At 60 at the current rate, it starts at 4 percent of your balance. And as you get older, that minimum requirement does increase. And the idea is they want you to be accessing your super when you're in pension phase.\n\nChannel 1: Right. Okay.\n\nChannel 0: But the\n\nChannel 1: Yep.\n\nChannel 0: the other benefit to that is that at the moment, whilst you're in that super accumulation phase, your super fund is paying income tax, and it also pays capital gains tax as well. Whereas when you move into that pension phase, your super fund will no longer pay income tax or capital gains tax. So it's a fully tax free kind of system you move into that pension phase, which is kind\n\nChannel 1: Mhmm. Right.\n\nChannel 0: of cool.\n\nChannel 1: Yep. Yep. Yeah. Definitely.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: So you\n\nChannel 0: Did\n\nChannel 1: should\n\nChannel 0: you have\n\nChannel 1: after working your whole life, I guess.\n\nChannel 0: absolutely. You pay way too much tax. You should be able to enjoy that money that you worked so hard for. When you think about it, your contributions are a portion of your income, and that's\n\nChannel 1: Yeah.\n\nChannel 0: considered your taxable income. When you look at that, it's factored into your taxable income at tax time. So,\n\nChannel 1: Yep.\n\nChannel 0: you know,\n\nChannel 1: Yep.\n\nChannel 0: you you've paid tax on that money when it hits the super system. You've earned that money with your hard work. You absolutely deserve to draw it down tax free. Yeah.\n\nChannel 1: Yeah. Cool. What's what's\n\nChannel 0: Yeah.\n\nChannel 1: the income tax percentage at the moment across the board?\n\nChannel 0: For super or non super?\n\nChannel 1: No. For non super, just for income. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Is it\n\nChannel 0: So as a you're\n\nChannel 1: yeah.\n\nChannel 0: right. So do you mean for, like, the thresholds? Or\n\nChannel 1: Yeah. The threshold. Yeah.\n\nChannel 0: yeah. So the tax free threshold is 18,200. Anything between 18,200 to 45,000 is currently taxed at 15%. Once you hit that 45,000 up to a 135,000, it's 30%. This is not\n\nChannel 1: That\n\nChannel 0: including\n\nChannel 1: is 30\n\nChannel 0: the\n\nChannel 1: percent.\n\nChannel 0: Medicare levy.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Well\n\nChannel 0: With the Medicare\n\nChannel 1: okay.\n\nChannel 0: levy, it's 32%.\n\nChannel 1: Yep. Yep.\n\nChannel 0: And\n\nChannel 1: Yeah.\n\nChannel 0: then\n\nChannel 1: Gotcha.\n\nChannel 0: over a 135,000, 37%, and then a 190,000 onwards. We're at 45 with the Medicare\n\nChannel 1: Yeah. Wow.\n\nChannel 0: levy on top of\n\nChannel 1: That's\n\nChannel 0: that.\n\nChannel 1: pretty\n\nChannel 0: So\n\nChannel 1: high, isn't it?\n\nChannel 0: it is. It absolutely is. So when you think\n\nChannel 1: Yeah.\n\nChannel 0: about the difference, the super the super system is more of a tax advantage system because you the income\n\nChannel 1: Yeah.\n\nChannel 0: tax inside super for for\n\nChannel 1: Yeah. Alright.\n\nChannel 0: CGT. Yeah. So\n\nChannel 1: Yep. Yep.\n\nChannel 0: much more\n\nChannel 1: Cool.\n\nChannel 0: tax advantaged system, that one.\n\nChannel 1: Yeah. Yeah. Yeah. My my daughter's living in London at the moment, and she was talking about it the other day saying that our tax is about 30%. I'm like, I don't think it's that much.\n\nAnd she's like, yes. It is, ma'am, because\n\nChannel 0: Yep.\n\nChannel 1: she works in or she used to work in finance here in Australia. Now\n\nChannel 0: Yeah.\n\nChannel 1: she's over there, and so she's yeah.\n\nChannel 0: Yeah.\n\nChannel 1: So she's right. Yeah.\n\nChannel 0: Absolutely. No. I\n\nChannel 1: Mhmm.\n\nChannel 0: definitely agree with that. Well, with the recommendations, as I kinda mentioned, I'm not recommending we take anything out of the investment and deposit to super right now. We'll keep those both separate exactly as they are. It works out to be more advantage for you currently.\n\nChannel 1: Okay.\n\nChannel 0: Within your super, though, I am recommending we do make a bit of a switch to the investments because having a look at some of the investments, there were some underperforming investments, and it was important to maybe look at removing those. Every\n\nChannel 1: Alright.\n\nChannel 0: so often, it is important to update the investments that you do have to continue to have them\n\nChannel 1: Yep.\n\nChannel 0: working harder for you. So\n\nChannel 1: Yeah. Cool.\n\nChannel 0: with these switches, I'll go through it simply. Let me know if you do have questions.\n\nChannel 1: Yep. Yep.\n\nChannel 0: But we\n\nChannel 1: So\n\nChannel 0: are\n\nChannel 1: is\n\nChannel 0: just\n\nChannel 1: that\n\nChannel 0: going\n\nChannel 1: is\n\nChannel 0: to\n\nChannel 1: that the mine\n\nChannel 0: yeah.\n\nChannel 1: so the minus red ones, are they the ones you're talking about changing?\n\nChannel 0: Selling?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Yeah. Absolutely.\n\nChannel 1: Yep.\n\nChannel 0: So\n\nChannel 1: Okay.\n\nChannel 0: we'll be selling off the Ben along Australian Equities, which is an actively managed Australian equity fund. That one\n\nChannel 1: Yep.\n\nChannel 0: has been underperforming, so it is important to remove that out and make sure we replace that with something else. We're\n\nChannel 1: Yep.\n\nChannel 0: also gonna be removing the battery and lithium tech has done very well, but it there are other things that we can update\n\nChannel 1: Mhmm.\n\nChannel 0: to create better returns and a lower cost portfolio. The bank hybrids are being fully removed as well, so they are being phased out by the government in the future. So it is important\n\nChannel 1: Right.\n\nChannel 0: to remove them now whilst we're making other changes. Otherwise, we hold on to them, and then down the track, we'll\n\nChannel 1: Mhmm.\n\nChannel 0: have to make that change then. So it's always\n\nChannel 1: Yep.\n\nChannel 0: better to make bigger changes that we know are coming whilst we\n\nChannel 1: Yes.\n\nChannel 0: are already making changes to your suit for that. So\n\nChannel 1: Before\n\nChannel 0: those\n\nChannel 1: you\n\nChannel 0: three\n\nChannel 1: before\n\nChannel 0: will\n\nChannel 1: you\n\nChannel 0: sell\n\nChannel 1: lose more money.\n\nChannel 0: absolutely.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Those three will sell down completely for you. Then we've got\n\nChannel 1: Okay.\n\nChannel 0: the physical gold. Physical gold has done really, really well. You we wanna\n\nChannel 1: Yep.\n\nChannel 0: hold about 10% in your portfolio, which is that second last column there.\n\nChannel 1: Mhmm. Mhmm.\n\nChannel 0: At the moment, you've got about 8.11%. That's in the third column from the front.\n\nChannel 1: Yes.\n\nChannel 0: So what we\n\nChannel 1: Yep.\n\nChannel 0: wanna do is we wanna buy a little bit more of that, so we're gonna purchase some more physical gold there for you.\n\nChannel 1: Okay.\n\nChannel 0: With the cybersecurity, with the portfolio, we only wanna hold about 5%. You're currently weighted at 8.19%, so it means you're selling\n\nChannel 1: Okay.\n\nChannel 0: a little bit of that off and\n\nChannel 1: Mhmm.\n\nChannel 0: rebalancing your super back a little bit there. Okay?\n\nChannel 1: Mhmm. Mhmm. Yep.\n\nChannel 0: With the core composite bonds, bonds are more of a defensive investment. We wanna hold about 14%. With\n\nChannel 1: Mhmm.\n\nChannel 0: your portfolio, you're in more of that growth environment. So you generally see about 80% of your super in those growth investments, and we wanna\n\nChannel 1: Mhmm.\n\nChannel 0: hold about 20% in defensive lower risk investments. We're actually gonna hold about 14% there, and we just wanna increase from eight to 14%. So it means buying some more of those for you. Okay?\n\nChannel 1: Okay. Okay. Yep.\n\nChannel 0: With the s and p 500, we wanna hold about 30%. You're a bit underweighted at the moment with 27.64, so it means purchasing some more of the s and p 500.\n\nChannel 1: Mhmm.\n\nChannel 0: I know\n\nChannel 1: Mhmm.\n\nChannel 0: there's been a lot happening this year with the with The US and the Iran war. However, The US is still really great to hold.\n\nChannel 1: Okay.\n\nChannel 0: This investment actually tracks the S and P 500 index, so it means that you're always tracking the top 500 companies in The US.\n\nChannel 1: Mhmm.\n\nChannel 0: The maker of the indices or the investment committed of the indices actually meets every quarter as well. So where a company doesn't meet the criteria to be in that s and p 500 index, they are removed. And then\n\nChannel 1: Alright.\n\nChannel 0: because these other investments are tracking the weighting, they also make those changes following. So it means that\n\nChannel 1: Okay.\n\nChannel 0: when companies don't meet the criteria, they are removed. That replaces something else. So you're always\n\nChannel 1: Yep.\n\nChannel 0: tracking the top 500 companies there to make it easier.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Excellent. We've got some VanEck property there at the moment with the newer portfolio. We wanna remove that wholly, so we're gonna sell all of that down. And then we've\n\nChannel 1: Mhmm.\n\nChannel 0: also got the Raffy a 200. This is tracking some of the top 200 companies on the ASX there. Whilst we do wanna keep Australian exposure, we have that plus the Ben along Australian equities in your older portfolio. We've actually\n\nChannel 1: Mhmm.\n\nChannel 0: found a way, a much cheaper way to track the top 200 companies, so we are gonna sell\n\nChannel 1: Yep.\n\nChannel 0: that investment off and replace it with something else for you. Okay?\n\nChannel 1: Okay. Yep.\n\nChannel 0: We're then also gonna buy into some European exposure and Japanese exposure. You wanna hold 8% Europe and 5% Japan. And then we've\n\nChannel 1: Alright.\n\nChannel 0: got the Vanguard all world ex US. So this is giving you exposure to the entire globe minus The US, and that's because we have the S and P 500 above there. But one\n\nChannel 1: Okay.\n\nChannel 0: of the biggest ways that we can ultimately reduce risk is to diversify. So this newer portfolio is giving you more diversification to help lower the market risk as much as possible, whilst\n\nChannel 1: Mhmm.\n\nChannel 0: tracking all the different markets around the globe for you. So, having\n\nChannel 1: Okay.\n\nChannel 0: the all world, Vanguard investment is a great way to diversify. And then because we're removing that Australian exposure with the Raffy and the BAN along, we're actually gonna put the sorry, the a 200 in there. This is the BetaShares Australia two\n\nChannel 1: Mhmm.\n\nChannel 0: 100. It's tracking the top 200 companies on the ASX. It's\n\nChannel 1: Yep.\n\nChannel 0: replacing the other two investments. It actually works out to track much better, but it's\n\nChannel 1: Mhmm.\n\nChannel 0: also cheaper for your portfolio. And one of the things I wanted to look at was how to minimize fees for you to keep more money invested in your super fund working harder for you. Okay?\n\nChannel 1: Okay. Yep.\n\nChannel 0: Excellent. That is a lot. Do you have any questions there so far at all?\n\nChannel 1: No. I don't think so. It's\n\nChannel 0: No.\n\nChannel 1: pretty straightforward. So the the\n\nChannel 0: Yeah.\n\nChannel 1: the shares and things that you're selling are going into the other ones where it's a better green. Correct?\n\nChannel 0: Mhmm. Yep. That's correct. Yeah.\n\nChannel 1: And that's\n\nChannel 0: That is\n\nChannel 1: the\n\nChannel 0: absolutely\n\nChannel 1: that's the\n\nChannel 0: perfect.\n\nChannel 1: percentage showing.\n\nChannel 0: That\n\nChannel 1: Yep.\n\nChannel 0: is the percentage. Yeah. So at the end, the target balance is how much you should have invested or as close to within those individual investments that we're purchasing into.\n\nChannel 1: Yep.\n\nChannel 0: Okay.\n\nChannel 1: Okay. And, obviously,\n\nChannel 0: Excellent.\n\nChannel 1: there's lots more than what's listed there, but these are just the ones that are effective now. Yeah?\n\nChannel 0: These are the ones that we're gonna be changing within your portfolio.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: Okay.\n\nChannel 0: And then underneath on the next page there, it does note that at the moment, the cash within your super is sitting at about 186%. Realistically, we wanna have most of your funds invested, so it means investing about a bit over $2,000 there to bring your cash down to 1.25%. We never wanna hold more cash than what we actually need to. Okay.\n\nChannel 1: Right. Okay.\n\nChannel 0: Excellent. If I can get you to scroll down for me to page number 18, I can sort of show you the reason behind why we're making these changes.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Beautiful. So\n\nChannel 1: And\n\nChannel 0: you've got\n\nChannel 1: is\n\nChannel 0: your\n\nChannel 1: is\n\nChannel 0: super you're sorry?\n\nChannel 1: sorry.\n\nChannel 0: Yep.\n\nChannel 1: Is hub 24 still the best option for\n\nChannel 0: It is. Yeah.\n\nChannel 1: me?\n\nChannel 0: Definitely.\n\nChannel 1: Yep.\n\nChannel 0: So it is\n\nChannel 1: Yeah.\n\nChannel 0: still\n\nChannel 1: Cool.\n\nChannel 0: a really good really good super fund. There are some others out there that may be cheaper in administration fees.\n\nChannel 1: Yep. Yep. Okay.\n\nChannel 0: The cheapest platforms. It is still a great platform out there, and I'm more than happy to keep it for you. There's been no real changes that require it to be reassessed in any\n\nChannel 1: Okay.\n\nChannel 0: other way,\n\nChannel 1: Okay.\n\nChannel 0: and I wanted to make sure we could make changes for you, but also make sure we limited any CGT consequences for your super fund as well. Okay.\n\nChannel 1: Okay. Cool. Yep.\n\nChannel 0: Excellent. So, essentially, the first column outlines your hub 20 circuit balance at the moment when we did the research. You've got your administration fees, investment fees, any other fees applicable to the super fund, and your ongoing service fee paid by paid to us at the moment for our services. You've got\n\nChannel 1: Mhmm.\n\nChannel 0: your contributions going in there, and you don't have any insurances, so no insurance premiums coming out.\n\nChannel 1: Mhmm.\n\nChannel 0: Underneath that, it notes that you're in that growth environment there. And when we look at your older portfolio over the past five years, it's averaged about 9.12%, which isn't bad in any way, shape, or form, but\n\nChannel 1: Yeah.\n\nChannel 0: we wanna\n\nChannel 1: Considering\n\nChannel 0: make sure that you're getting the best. Yeah.\n\nChannel 1: considering all the considering the global ups and downs, but I guess\n\nChannel 0: Absolute\n\nChannel 1: that's usual. Yeah.\n\nChannel 0: absolutely. Yeah. So when we look at making the changes above there, we do note that there are CGT consequence consequences within your super fund there. And you'll see\n\nChannel 1: Mhmm.\n\nChannel 0: the 15 o eight in sorry, 15 o four in the differences column. That's the estimated\n\nChannel 1: Okay.\n\nChannel 0: CGT consequence for making the changes to your portfolio. We'd expect your super fund to pay $1,504 in capital gains. That then means\n\nChannel 1: Okay.\n\nChannel 0: the expected starting super balance once we complete the changes around about $336,000.00 5. Underneath that, you've still got your administration fees. They'll stay the same because they're not changing the not changing the platform. But you'll see the investment fees have decreased quite heavily. So the newer portfolio for the first year is expected to save about $725.\n\nSo that's a pretty decent saving in investment fees to have a cheaper portfolio there for\n\nChannel 1: Mhmm. Okay.\n\nChannel 0: you.\n\nChannel 1: Cool.\n\nChannel 0: Yeah. Underneath that, any other fees applicable are absolutely the same. Your ongoing service fee is the same because the service fee put in place was a dollar figure fee, and then your contributions will continue to go in, so no change there. Below\n\nChannel 1: Okay.\n\nChannel 0: that, you'll see the growth portfolio, the newer portfolio. When we look at the past returns and how this has performed over the same five year period, it has actually provided a greater return. And, essentially, what we wanna look at by utilizing past data is over the past five years, has a\n\nChannel 1: Mhmm.\n\nChannel 0: portfolio or an investment, how has that performed? And that gives us an idea of what we can expect in the future given the same market conditions. Admittedly, over the past five years, we've seen quite a lot of ups and downs in the market. It hasn't been\n\nChannel 1: Yeah.\n\nChannel 0: smooth sailing.\n\nChannel 1: Yep.\n\nChannel 0: So we can sort of see that with this newer portfolio.\n\nChannel 1: Yep.\n\nChannel 0: With the past five years, it has averaged about 11.57%. So we know in the future, it it has the potential to achieve this sort of return moving forward as well.\n\nChannel 1: Okay.\n\nChannel 0: I'm always realistic, and I know I don't expect you to get 11.57% every single year, but it's sort of showing you the average. One year, you might get 15%, 20%. Another year, it might be a five or 6%, but\n\nChannel 1: Yeah.\n\nChannel 0: that's sort of looking at the average over the\n\nChannel 1: Yep.\n\nChannel 0: past five years. Okay.\n\nChannel 1: Yep. No worries.\n\nChannel 0: Excellent. And if it is able to obtain the same level of return as has in the past, over the next five to ten years, underneath, you can see the projected outcome there. So we\n\nChannel 1: Mhmm.\n\nChannel 0: can sort of see that if it's able to generate the same sort of performance as well as the fee savings, we can end up within five years a bit over 510,000 or at age 65, around about 713,000 there.\n\nChannel 1: Okay.\n\nChannel 0: I am realistic. And when you retire at age 65, I would not want you to be in this growth environment. So there is a chance that prior to age 65, I wanna look at reducing a risk level\n\nChannel 1: Yes. Yep.\n\nChannel 0: with\n\nChannel 1: Yep.\n\nChannel 0: this sort of portfolio. When you sort of look at risk out of, say, a number of things one and five, you're sitting at about a three there. That's not bad, but\n\nChannel 1: A\n\nChannel 0: this\n\nChannel 1: trade.\n\nChannel 0: sort of\n\nChannel 1: Did\n\nChannel 0: portfolio\n\nChannel 1: you say?\n\nChannel 0: yeah.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Sort\n\nChannel 1: A trade.\n\nChannel 0: of middle\n\nChannel 1: Okay.\n\nChannel 0: range. This sort of a portfolio suits someone who has at least six years before they're accessing their super or their funds.\n\nChannel 1: Okay.\n\nChannel 0: When you are sort of closer to accessing, I would like to reduce the exposure a little bit, having\n\nChannel 1: Yep.\n\nChannel 0: this sort of portfolio. Whilst you're in the middle range, there has the potential to see a negative return one in every five years. So if you are sort of six years out, I wouldn't want you to see a negative return just before you're wanting to access your super.\n\nChannel 1: Right. Yeah.\n\nChannel 0: So\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: we\n\nChannel 1: Yeah.\n\nChannel 0: do start\n\nChannel 1: Yep.\n\nChannel 0: to reduce that risk level incrementally as you get closer to accessing your super. Okay?\n\nChannel 1: Okay. Yep.\n\nChannel 0: Excellent. The next page down just shows you the annual returns as of between the current and recommended portfolios as they have gone over the past twelve months, three years, five years, and ten years. We just note that in there for you. Okay?\n\nChannel 1: Okay. Cool.\n\nChannel 0: Excellent.\n\nChannel 1: Looks good.\n\nChannel 0: The the following page gives you a bit of an idea of where we're tracking for. So so long as that we can get, obviously, what's above in the the top sort of column there, when we sort of look at where you're at, what your assets look like over the course of time, this is depending this is showing if you're eligible for age pension as well to sort of supplement when we get to that point, and we'll definitely look at it closer too. But when\n\nChannel 1: Mhmm.\n\nChannel 0: you sort of get there, looking at your circumstances, you should be able to draw down the income that you're after on a fortnightly basis. Basis. And if we're able to offset that with Centrelink, then we should be able to get you super lasting till around about age 90. This is just giving\n\nChannel 1: Okay.\n\nChannel 0: you a really good overview of where we're tracking for currently. However, this will be looked at in a lot more detail as we get closer. There's other detail as we get closer. There's other strategies that we can put in place to assist you as well,\n\nChannel 1: Mhmm.\n\nChannel 0: and then we'll kind of keep tracking and looking at how this looks. And when you actually get to the time and start to draw down an income, then we can look at a lot more detail exactly how long that's expected to last for you. Okay?\n\nChannel 1: Mhmm. Okay. Yep.\n\nChannel 0: Excellent. Beautiful. The next page down is essentially going through the investment changes with regard to your your personal investment\n\nChannel 1: Mhmm.\n\nChannel 0: If you can scroll down for me to page number 25, this is running through those. Beautiful. Now I will note you'll probably note that the investment changes are slightly different to what\n\nChannel 1: Yep.\n\nChannel 0: we had recommended with super.\n\nChannel 1: Yeah.\n\nChannel 0: So because of the the different tax consequences to your personal investment account, I tried to limit the CGT consequences as much as possible. And\n\nChannel 1: Okay.\n\nChannel 0: with the balance in your investment account being much higher, smaller returns do make a greater difference to growth and income within the fund there. So the\n\nChannel 1: Okay.\n\nChannel 0: portfolio I'm recommending is different just because the the CGT isn't within the fund. It's more affecting your personal. So\n\nChannel 1: Okay.\n\nChannel 0: I'll go through this, and then I'll show you what is sort of looking at. Sorry.\n\nChannel 1: Yep.\n\nChannel 0: With the Benelon Australian Equities, again, we are removing that wholly. We don't wanna keep that in the fund regardless of, you know, the consequences that is down, and it is definitely worth removing completely\n\nChannel 1: Yep.\n\nChannel 0: for you. With the battery and lithium tech, we are looking to keep that within the fund. Look, it hasn't done too bad at all. It's not performing at the moment. If there's a need to remove it in the future, we will.\n\nBut there was no need to sell it completely out of this portfolio. So I am just reweighting this one and reducing\n\nChannel 1: Okay.\n\nChannel 0: the exposure to 7% for you.\n\nChannel 1: Okay.\n\nChannel 0: Okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: With the bank hybrids, again, these ones are actually being phased out by the government. So we are removing them completely from your portfolio, and we'll replace\n\nChannel 1: Mhmm.\n\nChannel 0: them with something different. Physical gold, you're a little bit overweight, and you've had some really good growth there, so we're just reducing your exposure to 6% and selling some of that off.\n\nChannel 1: Yep.\n\nChannel 0: With the cybersecurity, again, we're just reweighting and reducing the exposure from 8% to 7%. I'm just kind of rebalancing it back a little bit for you because you've got a bit more exposure than required.\n\nChannel 1: Mhmm.\n\nChannel 0: And\n\nChannel 1: Mhmm.\n\nChannel 0: then because the bank hybrids are being removed, we're still replacing that with core composite bonds. With this one, we're gonna hold about 20% of core composite funds. So\n\nChannel 1: Mhmm.\n\nChannel 0: just increasing your exposure there. This portfolio is also within that growth area, but we're able to increase this exposure to 20% there for you. Okay?\n\nChannel 1: Okay.\n\nChannel 0: The s and p 500, again, we wanna hold some of that. This portfolio, we just wanna hold about 25%. It is slightly different to the super portfolio because this is more of your older portfolio just trying to make slight changes In\n\nChannel 1: Mhmm.\n\nChannel 0: your older portfolio, it was recommended about 25 of the s and p 500. So we just wanna rebalance that back for you. I didn't\n\nChannel 1: Mhmm.\n\nChannel 0: wanna kind of increase it to 30% to sort of make two bigger changes because it meant selling off too much of something else, which has more\n\nChannel 1: Okay.\n\nChannel 0: of a tax consequence for you. So\n\nChannel 1: Yep.\n\nChannel 0: we'll\n\nChannel 1: Yep.\n\nChannel 0: just try to minimize the effect on yourself for this one and keep it\n\nChannel 1: Yeah.\n\nChannel 0: at 25%, which is still performing quite nicely as well.\n\nChannel 1: Okay. Cool.\n\nChannel 0: With the VanEck property, in this personal investment option, we're just gonna reweight increase the exposure to 5%. We are selling VanEck in super. Property hasn't done bad in any way, shape, or form. Within super, it's just the whole overall newer portfolio works better for you. However,\n\nChannel 1: Mhmm.\n\nChannel 0: in this with this older portfolio, it's still performing quite well. I'll watch it to make sure that if there's any need we need to remove it, that we will. But I as\n\nChannel 1: Mhmm.\n\nChannel 0: I said, I just wanted to limit the tax consequences with this one. I opted to change minimal investments to make it work better and also just rebalance the other investments for you to make sure you're not overweighted in any way. Okay?\n\nChannel 1: Mhmm. Okay.\n\nChannel 0: So we've got 4.3% there. We wanna hold about 5%. So we're just gonna buy a bit more of the Verdeck property there. We do have the Raffy 200 in here. We can't sell all of that because it was gonna be too much of a tax effect there.\n\nSo I'm keeping a weighting of 15%. And because realistically, we want we wanna hold about 30% in Australian equities, but also then gonna increase or add the a 200 to 15% as well. That way, you hold 30% of Australian equities, and it's balanced\n\nChannel 1: Okay.\n\nChannel 0: between the a 200, which replaces a ban along Australian equities, but it's\n\nChannel 1: Yes.\n\nChannel 0: also offsetting the Raffy there for you as well. So we didn't have to sell too much of the Raffy in your own personal portfolio. Okay.\n\nChannel 1: Okay. Cool.\n\nChannel 0: Excellent. At the moment within your investment account, you're a little bit underweighted in cash. So you've got about 5,349 in cash there. To hold the\n\nChannel 1: Mhmm.\n\nChannel 0: 1.25% we need, we need to make sure we hold a bit more cash. So we're just gonna add about 1,900 in cash there so\n\nChannel 1: Yep.\n\nChannel 0: that your minimum cash balance is at 7,283, which is the minimum required for the investment account within the hub 24 there. Okay.\n\nChannel 1: Okay. Yep. Yep.\n\nChannel 0: Excellent. If you get under page 28 for me, this shows you the difference.\n\nChannel 1: Mhmm.\n\nChannel 0: Perfect. Your balance within that investment account is about $5.82 and 61. In underneath that, again, we've got the admin fees, investment fees noted, any other fees applicable, the ongoing service fee for us. There's no additional\n\nChannel 1: Mhmm.\n\nChannel 0: contributions going in regularly here at the moment and no insurance premiums being deducted, which is great.\n\nChannel 1: Okay.\n\nChannel 0: You are in that growth environment there. And, again, the older portfolio has kinda averaged about 9.12%. When we sort of look at the CGT consequences, now Hub twenty four actually note the CGT consequences at 47%. So it's kind of overestimated because we're\n\nChannel 1: Go\n\nChannel 0: not\n\nChannel 1: ahead.\n\nChannel 0: able to put your your personal tax percentage in there. But, essentially, what'll happen is at the end of the financial year, they provide us a a investment kind of tax statement for you,\n\nChannel 1: Summary?\n\nChannel 0: which you take\n\nChannel 1: Yep.\n\nChannel 0: into\n\nChannel 1: Yep.\n\nChannel 0: account. Yeah.\n\nChannel 1: Yep.\n\nChannel 0: And in\n\nChannel 1: Yep.\n\nChannel 0: there, it'll note the CGT for the changes. But we noted that when we completed the looked at completing the switch to kinda minimize it as much as possible, the expected\n\nChannel 1: Mhmm.\n\nChannel 0: CGT consequences sitting at $805. So we wanted\n\nChannel 1: Okay.\n\nChannel 0: to actually limit to that as much as possible. Admittedly,\n\nChannel 1: Yep.\n\nChannel 0: CGT is always dependent upon what happens. So depending on how markets react between now to when you sign the document to when we get the switch completed, the CGT\n\nChannel 1: Yep.\n\nChannel 0: could be minimized a little bit more. So it just depends\n\nChannel 1: Okay.\n\nChannel 0: upon how long it actually goes, but this is an estimate based on 47%. Your tax rate on your income is lower than that, so your CGT estimate should be\n\nChannel 1: Yep.\n\nChannel 0: slightly lower, but we wanted\n\nChannel 1: Mhmm.\n\nChannel 0: to make that overestimated for you for this document so you can see the difference in the expected balance.\n\nChannel 1: Okay. Cool.\n\nChannel 0: Okay? Excellent.\n\nChannel 1: Can I just ask it's it's\n\nChannel 0: Yeah.\n\nChannel 1: probably\n\nChannel 0: Of course.\n\nChannel 1: a silly question, but\n\nChannel 0: No. Never.\n\nChannel 1: does any of this affect my do I have to pay, you know, pay tax at the end of the financial year with any of all these changes happening? Does it affect any of that?\n\nChannel 0: With your personal investment account, you'll get\n\nChannel 1: Yes.\n\nChannel 0: the CGT will be accounted into your\n\nChannel 1: So\n\nChannel 0: end\n\nChannel 1: that's\n\nChannel 0: of\n\nChannel 1: what you are\n\nChannel 0: financial\n\nChannel 1: just saying.\n\nChannel 0: year\n\nChannel 1: Yep.\n\nChannel 0: tax. Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Correct. And that will be part of your tax statement. There is\n\nChannel 1: Yes.\n\nChannel 0: a chance it could be offset by dividends and other things that are coming in,\n\nChannel 1: Yes. Okay.\n\nChannel 0: but\n\nChannel 1: Got\n\nChannel 0: this is\n\nChannel 1: you.\n\nChannel 0: just the estimated CGT that would be expected that you might have to add to your income for\n\nChannel 1: Yep. Okay.\n\nChannel 0: the changes there. So, yeah, that that is\n\nChannel 1: Yep.\n\nChannel 0: something.\n\nChannel 1: Yeah.\n\nChannel 0: It's only for the personal investment account, not for the super. The super CGT\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: is all dealt with inside the super system. Okay?\n\nChannel 1: Yep. Yep. Yep.\n\nChannel 0: Yep.\n\nChannel 1: Gotcha.\n\nChannel 0: Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: I thought when I did this, I thought that one of the things you'll probably notice is the difference in the two portfolios because super is very much different to your personal.\n\nChannel 1: Yeah.\n\nChannel 0: I\n\nChannel 1: It\n\nChannel 0: wanted\n\nChannel 1: is.\n\nChannel 0: to make\n\nChannel 1: Yeah.\n\nChannel 0: sure it's working harder for you, that you're getting good returns, that you're paying lower fees, but I wanted to try and minimize the tax consequences for you because\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: you've had\n\nChannel 1: Great.\n\nChannel 0: really great growth in that investment account.\n\nChannel 1: Yeah.\n\nChannel 0: But when I looked at the total, I looked at selling down a you know, I think it was the 390,000, the 3\n\nChannel 1: Yep.\n\nChannel 0: 100,000, all the different options there, but the tax consequences were within the thousand. So it\n\nChannel 1: Yeah.\n\nChannel 0: was\n\nChannel 1: Okay.\n\nChannel 0: not worthwhile doing in any way, shape, or form, which is a benefit because it means that you've got really good growth in the portfolio. It's been working quite well. So\n\nChannel 1: Mhmm.\n\nChannel 0: we just wanna\n\nChannel 1: Mhmm.\n\nChannel 0: continue that essentially. Essentially.\n\nChannel 1: Yeah. Yeah. Yeah. Definitely.\n\nChannel 0: Yeah.\n\nChannel 1: Okay. Yeah. Good.\n\nChannel 0: Excellent. Now you'll see there's no difference to the admin fees there. However, the investment fees do change. So we this newer this newer portfolio with the changes that we are making is estimated\n\nChannel 1: Mhmm.\n\nChannel 0: to reduce your investment fees by $901 for the year. So that is a good advantage for you. No change there to the other fees or the ongoing service fee. At the moment, you're paying a set dollar figure fee. When\n\nChannel 1: Yep.\n\nChannel 0: you're adding review or when everything sort of comes up for renewal in October, we'll touch base then, look at how things are going, and\n\nChannel 1: Mhmm.\n\nChannel 0: we'll also then talk about the fee structure and how that looks for you moving forward. Okay?\n\nChannel 1: Okay. Great. Yep.\n\nChannel 0: Excellent.\n\nChannel 1: Mhmm.\n\nChannel 0: We'll keep you in that growth environment as well. However, making the changes does show that the newer version of the portfolio has performed greater. So over the past five years, it's averaged about 10.70%. So if\n\nChannel 1: Mhmm.\n\nChannel 0: we're able to achieve that moving forward over the next five to ten years, your investment could go up to 800,000 or a little over 1,000,000 in ten years' time. So love to see that happening for you, and we'll just make sure we review things to keep you on track and make changes\n\nChannel 1: Yep.\n\nChannel 0: where we need to as well. Okay.\n\nChannel 1: Okay. Cool. Yep.\n\nChannel 0: Excellent. All good. The only other part of the recommendation to let you know about is the beneficiary side of things. So at the moment in your super,\n\nChannel 1: Mhmm.\n\nChannel 0: the beneficiary nomination is set up to each of your children at 50% each. Absolutely\n\nChannel 1: Yes.\n\nChannel 0: fine. However, because neither of them are a tax dependent, in the event of you passing away, your super benefit paid out to each of them means that they do pay, tax from the taxable component there. One of the things\n\nChannel 1: Yep.\n\nChannel 0: that you and I talked about was trying to limit that tax consequence on your kids. And because one\n\nChannel 1: Yeah.\n\nChannel 0: of your children actually lives in The UK, it is better to structure your beneficiary nomination so that it's paid to your will. That means in the event that you pass away, your\n\nChannel 1: Mhmm.\n\nChannel 0: super benefit is paid to your estate, lumped in with everything else, and then it is paid out to your beneficiaries. It makes\n\nChannel 1: Right.\n\nChannel 0: it a much easier way. That way your daughter in The UK can access that with everything else depending on how her everything's set up, whether she chooses to keep it here at a bank account or transfer it over.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: It is\n\nChannel 1: Yep.\n\nChannel 0: better\n\nChannel 1: Yep.\n\nChannel 0: to do it through your state, but it also limits the amount of tax payable as well. So it\n\nChannel 1: Okay.\n\nChannel 0: it does essentially mean that the benefit the taxable component when paid to beneficiaries, they don't have to pay the Medicare levy.\n\nChannel 1: Yep.\n\nChannel 0: It just sort of reduces the tax that they would have to pay. It's only a little bit, but, you know, reducing taxes is a good thing. I don't agree on tax on death benefits, but, unfortunately, we don't really have a choice. So where\n\nChannel 1: Yep.\n\nChannel 0: we can minimize the tax and maximize the benefit to our beneficiaries is always a positive thing. Does that make sense? Yeah.\n\nChannel 1: Yeah. Yeah. Yeah. Yep. All good.\n\nChannel 0: Nomination called legal personal representative. We\n\nChannel 1: Mhmm.\n\nChannel 0: just tick that box. That essentially gets added to your super fund, and it means that in the event of passing, the fund goes through and does the claim, and they see that we've nominated your will or your estate through the legal personal representative nomination, and then they will pay everything to\n\nChannel 1: Yep.\n\nChannel 0: your estate, and it will all get debited as per your will. So it is really important that you do have an up to date will that reflects your wishes and have that reviewed by a lawyer on a regular basis to make sure that that is reflective. The\n\nChannel 1: Yep.\n\nChannel 0: same sort of thing does go through your investment account as well because we don't make beneficiary nominations on the investment. That is an automatic estate asset. So having a will to reflect how you want your investment proceeds also paid out to whom and in what percentage is really important to make sure that the amount does get to where you want it to go without\n\nChannel 1: Right.\n\nChannel 0: having a will and power of attorney that reflects your wishes means that it all goes through probate. A probate is a legal costly process where a judge\n\nChannel 1: Yeah.\n\nChannel 0: gets\n\nChannel 1: Yeah.\n\nChannel 0: to\n\nChannel 1: Yeah.\n\nChannel 0: make a decision, and it's\n\nChannel 1: Yep.\n\nChannel 0: not preferable to anyone. And you've also got your business. You've worked really hard. You've built everything up. So\n\nChannel 1: Yep.\n\nChannel 0: protecting those wishes and having an up to date will is really important to reflect your circumstances. Okay?\n\nChannel 1: Yep. No worries. All good.\n\nChannel 0: Excellent. I'm sorry. That is a lot. I know it's a lot, but do you have any questions at the moment?\n\nChannel 1: No. I don't think so. So you just said if I change this, which is great\n\nChannel 0: Mhmm.\n\nChannel 1: with the with the, yeah, non bind the binding non lapsing, do I have to change the will to stipulate that, or\n\nChannel 0: Yep.\n\nChannel 1: is it yeah.\n\nChannel 0: It should be reflective. So you do wanna make sure\n\nChannel 1: Yeah.\n\nChannel 0: that you speak to a solicitor and make sure your will is reflective. Normally, in the body of the will, you just wanna make sure everything is correct. But, normally, a solicitor will talk to you about incorporating the super assets and just noting that, you know, your super assets are to be incorporated into your estate and how you would like that split, whether you want your investment split one way, your super split\n\nChannel 1: Mhmm.\n\nChannel 0: another way, or whether you want everything lumped together and split out. You can also have trust set up and have,\n\nChannel 1: Yep.\n\nChannel 0: you know, income paid out to people at certain times of the year or at certain ages. There's\n\nChannel 1: Yep.\n\nChannel 0: lots of different\n\nChannel 1: Okay.\n\nChannel 0: ways that you can do that. So it is just worth speaking to a solicitor and having everything set up correctly, but also factoring\n\nChannel 1: Yep.\n\nChannel 0: in your business and making sure that your business is all sort of covered in there as well, the proceeds and what you want to happen to that and all\n\nChannel 1: Okay.\n\nChannel 0: the all the\n\nChannel 1: Yeah.\n\nChannel 0: bits\n\nChannel 1: Yeah.\n\nChannel 0: and\n\nChannel 1: Yeah.\n\nChannel 0: pieces. Yeah.\n\nChannel 1: Okay. No worries.\n\nChannel 0: Oh, what? Easy. All good. I'll let you go back and have a really good read of the document as I said I've outlined. All of the all the advantages, disadvantages, and risks involved, any alternatives that we've considered as well.\n\nWe do also have the fees noted in there. You're paying us that ongoing service fee as a dollar figure split between the super and the investment there. That's not to change,\n\nChannel 1: Yep.\n\nChannel 0: and we'll catch up in October when there is time to review that and update that for the next twelve months. And then depending on how much you like reading, I've also got the hub 24 PDFs attached with the investment and the super side of things. And I've also got\n\nChannel 1: Okay.\n\nChannel 0: our ongoing service sorry. Our financial services guide as that has been updated recently as well. So you're welcome to run your eyes over that and look at any major\n\nChannel 1: Okay.\n\nChannel 0: changes with our ads as well. Okay? Excellent. Feel free to have a read. Let me know if there are any questions.\n\nAnd if you decide you're happy to take on the advice and move forward, we'll just get you to sign and return that back. If\n\nChannel 1: Okay.\n\nChannel 0: any questions come out, I always just say there's no such thing as a silly question. If it's something that you would like to know, you're welcome to let me know, and I'm more than happy to answer it for you.\n\nChannel 1: Okay.\n\nChannel 0: Okay?\n\nChannel 1: Sure. So I just pretty\n\nChannel 0: Oh,\n\nChannel 1: much,\n\nChannel 0: good.\n\nChannel 1: when I'm ready, just sign page 38. Is that right? And date\n\nChannel 0: That's\n\nChannel 1: it.\n\nChannel 0: correct. Yeah.\n\nChannel 1: It's\n\nChannel 0: You\n\nChannel 1: it's\n\nChannel 0: just\n\nChannel 1: just\n\nChannel 0: click\n\nChannel 1: the\n\nChannel 0: on the\n\nChannel 1: one\n\nChannel 0: button.\n\nChannel 1: one signature.\n\nChannel 0: Yeah.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Absolutely. Yeah. Yep. And then it should automatically date it. There is a multiline there.\n\nSo if there's any section of advice or anything you wanna change, you're welcome to make a note in there. That's not\n\nChannel 1: Okay.\n\nChannel 0: normally mandatory. But if it won't let you pass without putting something in that box, just put NA if you're happy with all the recommendations.\n\nChannel 1: Okay. Yep.\n\nChannel 0: If there's something you wanna change or alter, you can write a little note in\n\nChannel 1: Okay. No worries.\n\nChannel 0: there as well. Okay. Excellent.\n\nChannel 1: So so then as soon as you get this back,\n\nChannel 0: Yeah.\n\nChannel 1: you pretty much take make the changes that you discussed in the\n\nChannel 0: Yeah.\n\nChannel 1: super and the investment. Yep.\n\nChannel 0: Yeah. So we'll\n\nChannel 1: Sell\n\nChannel 0: it said\n\nChannel 1: sell\n\nChannel 0: to it's\n\nChannel 1: off\n\nChannel 0: gonna\n\nChannel 1: and\n\nChannel 0: be\n\nChannel 1: buy.\n\nChannel 0: takes\n\nChannel 1: Yep.\n\nChannel 0: yeah. Correct. So we start to submit those changes. You might receive emails in the back end to show that we're buying and selling bits and pieces. It can take anywhere up to a couple of weeks to complete the changes.\n\nSelling Ben along is\n\nChannel 1: Right.\n\nChannel 0: a bit of a process because it's a managed\n\nChannel 1: Right.\n\nChannel 0: fund and it is harder to sell. But\n\nChannel 1: Yep.\n\nChannel 0: majority investors can all be switched within about a week. It's just Benelon can take a little bit longer. So we start that process nice and quick and get it over and done with as quickly as possible for you.\n\nChannel 1: Yep.\n\nChannel 0: Okay.\n\nChannel 1: Okay. No worries.\n\nChannel 0: Excellent.\n\nChannel 1: Well, I might\n\nChannel 0: All\n\nChannel 1: just\n\nChannel 0: good.\n\nChannel 1: I might just sign it now while I've got\n\nChannel 0: Yeah.\n\nChannel 1: time. Just\n\nChannel 0: That's\n\nChannel 1: get\n\nChannel 0: absolutely\n\nChannel 1: it done.\n\nChannel 0: fine. That's absolutely fine. It's been a pleasure to put this together, and I really enjoyed putting the research together for you as well. So, you know, if there's ever any questions or anything else comes up, please let us know, and I'll definitely make sure we catch up in October to see how things are going, review everything, and I look forward\n\nChannel 1: Mhmm.\n\nChannel 0: to what we can help you with next year as well.\n\nChannel 1: Yeah.\n\nChannel 0: Easy.\n\nChannel 1: Cool. So do I do I just so I'll sign it. Is there a submit button or do I save it? Or\n\nChannel 0: Once you press sign and it puts your your signature in there, then\n\nChannel 1: yep.\n\nChannel 0: the date should automatically come up. If it doesn't,\n\nChannel 1: Yep.\n\nChannel 0: just press on the date, and\n\nChannel 1: Yeah.\n\nChannel 0: it should\n\nChannel 1: Now\n\nChannel 0: happen.\n\nChannel 1: it has.\n\nChannel 0: And then at\n\nChannel 1: Yeah. It's come up. Yep.\n\nChannel 0: at the bottom, there should be another box that's appeared. It should say continue or next or finalized.\n\nChannel 1: Next. Got you. Yep.\n\nChannel 0: Next. Perfect.\n\nChannel 1: So, actually, the the text.\n\nChannel 0: Yep.\n\nChannel 1: The\n\nChannel 0: So\n\nChannel 1: text\n\nChannel 0: just\n\nChannel 1: box.\n\nChannel 0: yeah.\n\nChannel 1: Yeah.\n\nChannel 0: If\n\nChannel 1: Not\n\nChannel 0: there's\n\nChannel 1: a\n\nChannel 0: nothing,\n\nChannel 1: physical.\n\nChannel 0: you can just put NA. Yeah.\n\nChannel 1: Yep.\n\nChannel 0: And then it should say next or finalized or complete.\n\nChannel 1: Okay. Next document. Okay.\n\nChannel 0: Yep.\n\nChannel 1: Cool. And then it's just yep.\n\nChannel 0: Perfect.\n\nChannel 1: Next document. I am in the financial guide. Send\n\nChannel 0: Shouldn't\n\nChannel 1: it\n\nChannel 0: let\n\nChannel 1: completed.\n\nChannel 0: you go through\n\nChannel 1: Yeah.\n\nChannel 0: that one.\n\nChannel 1: It's it's\n\nChannel 0: There shouldn't be a signature required there.\n\nChannel 1: yeah. No. It's validating and sending, so that should be alright. Yep.\n\nChannel 0: Perfect. And then it\n\nChannel 1: Okay.\n\nChannel 0: will just email us once it's all done, and you'll get an email copy as well. And we can always download and resend them to you if you ever need a copy at any point in time.\n\nChannel 1: Okay.\n\nChannel 0: Okay.\n\nChannel 1: Cool. Sounds good. Alright.\n\nChannel 0: Wonderful.\n\nChannel 1: Well, thank you very much for that.\n\nChannel 0: Not a problem at all. Thank you\n\nChannel 1: Well\n\nChannel 0: so\n\nChannel 1: done.\n\nChannel 0: much for your time. I hope you have a lovely\n\nChannel 1: Yes. Will do. Thank you so much.\n\nChannel 0: afternoon. My\n\nChannel 1: See\n\nChannel 0: pleasure. Thanks, Bronwyn.\n\nChannel 1: you.\n\nChannel 0: See you\n\nChannel 1: See\n\nChannel 0: later.\n\nChannel 1: you later.\n\nChannel 0: Bye.\n\nChannel 1: Bye. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.39999998,"end":0.9,"sentiment":"neutral","sentiment_score":0.013971321284770966},{"text":"Hello?","start":4.0,"end":4.5,"sentiment":"neutral","sentiment_score":0.023807980120182037}],"sentiment":"neutral","sentiment_score":0.0188896507024765,"channel":1,"num_words":2,"start":0.39999998,"end":4.5},{"sentences":[{"text":"Hi, Bronwyn.","start":5.3599997,"end":6.16,"sentiment":"neutral","sentiment_score":0.08011521771550179}],"sentiment":"neutral","sentiment_score":0.08011521771550179,"channel":0,"num_words":2,"start":5.3599997,"end":6.16},{"sentences":[{"text":"Hi, Brooklyn.","start":5.8399997,"end":6.56,"sentiment":"neutral","sentiment_score":0.15085230022668839}],"sentiment":"neutral","sentiment_score":0.15085230022668839,"channel":1,"num_words":2,"start":5.8399997,"end":6.56},{"sentences":[{"text":"This is Dana","start":6.16,"end":6.72,"sentiment":"neutral","sentiment_score":0.1558991273244222}],"sentiment":"neutral","sentiment_score":0.1558991273244222,"channel":0,"num_words":3,"start":6.16,"end":6.72},{"sentences":[{"text":"This","start":6.56,"end":6.7999997,"sentiment":"neutral","sentiment_score":0.17649483680725098}],"sentiment":"neutral","sentiment_score":0.17649483680725098,"channel":1,"num_words":1,"start":6.56,"end":6.7999997},{"sentences":[{"text":"from","start":6.72,"end":7.04,"sentiment":"neutral","sentiment_score":0.15959571301937103}],"sentiment":"neutral","sentiment_score":0.15959571301937103,"channel":0,"num_words":1,"start":6.72,"end":7.04},{"sentences":[{"text":"is","start":6.7999997,"end":6.96,"sentiment":"neutral","sentiment_score":0.14611700177192688}],"sentiment":"neutral","sentiment_score":0.14611700177192688,"channel":1,"num_words":1,"start":6.7999997,"end":6.96},{"sentences":[{"text":"Okie Financial.","start":7.04,"end":7.7799997,"sentiment":"neutral","sentiment_score":0.16838296502828598},{"text":"How are you this afternoon?","start":7.9199996,"end":9.22,"sentiment":"neutral","sentiment_score":0.23877009153366088}],"sentiment":"neutral","sentiment_score":0.21865948396069662,"channel":0,"num_words":7,"start":7.04,"end":9.22},{"sentences":[{"text":"Good.","start":9.36,"end":9.679999,"sentiment":"positive","sentiment_score":0.429034948348999},{"text":"How are you?","start":9.679999,"end":10.58,"sentiment":"neutral","sentiment_score":0.3105459411938985}],"sentiment":"positive","sentiment_score":0.34016819298267365,"channel":1,"num_words":4,"start":9.36,"end":10.58},{"sentences":[{"text":"I'm very well.","start":10.719999,"end":11.759999,"sentiment":"positive","sentiment_score":0.6071968674659729},{"text":"Thank you.","start":11.759999,"end":12.08,"sentiment":"positive","sentiment_score":0.6708083152770996},{"text":"Thanks for asking.","start":12.08,"end":12.96,"sentiment":"positive","sentiment_score":0.6307127674420675},{"text":"I had you booked in to go through your updated statement of advice.","start":12.96,"end":15.695,"sentiment":"neutral","sentiment_score":0.2534276522122897},{"text":"Is now still a good time there for you?","start":15.695,"end":17.635,"sentiment":"neutral","sentiment_score":0.2412369963195589}],"sentiment":"positive","sentiment_score":0.3507012660304705,"channel":0,"num_words":30,"start":10.719999,"end":17.635},{"sentences":[{"text":"Yeah.","start":17.735,"end":18.055,"sentiment":"neutral","sentiment_score":0.1437508463859558},{"text":"That's fine.","start":18.055,"end":18.855,"sentiment":"neutral","sentiment_score":0.21247506141662598},{"text":"Yep.","start":18.855,"end":19.355,"sentiment":"neutral","sentiment_score":0.2824845314025879}],"sentiment":"neutral","sentiment_score":0.2127963751554489,"channel":1,"num_words":4,"start":17.735,"end":19.355},{"sentences":[{"text":"Fantastic.","start":19.615,"end":20.115,"sentiment":"positive","sentiment_score":0.5200452208518982},{"text":"Do you have access to your email, sir?","start":20.975,"end":22.575,"sentiment":"neutral","sentiment_score":0.15488473512232304},{"text":"I just normally send through the advice documents so you can have a look at it with me.","start":22.575,"end":26.19,"sentiment":"neutral","sentiment_score":0.1133648128145271},{"text":"Are you able to pull up your email, sir, at the moment?","start":26.27,"end":28.85,"sentiment":"neutral","sentiment_score":0.060495815239846706}],"sentiment":"neutral","sentiment_score":0.11604203885564437,"channel":0,"num_words":39,"start":19.615,"end":28.85},{"sentences":[{"text":"Yes.","start":29.27,"end":29.77,"sentiment":"neutral","sentiment_score":0.08840727806091309},{"text":"I can","start":30.07,"end":30.710001,"sentiment":"neutral","sentiment_score":0.11080647259950638}],"sentiment":"neutral","sentiment_score":0.10334007441997528,"channel":1,"num_words":3,"start":29.27,"end":30.710001},{"sentences":[{"text":"Yes.","start":30.35,"end":30.85,"sentiment":"neutral","sentiment_score":0.11748842895030975}],"sentiment":"neutral","sentiment_score":0.11748842895030975,"channel":0,"num_words":1,"start":30.35,"end":30.85},{"sentences":[{"text":"do that.","start":30.710001,"end":31.53,"sentiment":"neutral","sentiment_score":0.18960806727409363}],"sentiment":"neutral","sentiment_score":0.18960806727409363,"channel":1,"num_words":2,"start":30.710001,"end":31.53},{"sentences":[{"text":"Fantastic.","start":32.11,"end":32.61,"sentiment":"positive","sentiment_score":0.4968092441558838}],"sentiment":"positive","sentiment_score":0.4968092441558838,"channel":0,"num_words":1,"start":32.11,"end":32.61},{"sentences":[{"text":"Yeah.","start":33.67,"end":34.17,"sentiment":"neutral","sentiment_score":0.24979498982429504}],"sentiment":"neutral","sentiment_score":0.24979498982429504,"channel":1,"num_words":1,"start":33.67,"end":34.17},{"sentences":[{"text":"I'll just press send on that one for you.","start":33.95,"end":36.11,"sentiment":"neutral","sentiment_score":0.19762314524915484},{"text":"It'll just come through from.","start":36.11,"end":37.41,"sentiment":"neutral","sentiment_score":0.15427715480327606}],"sentiment":"neutral","sentiment_score":0.1821424343756267,"channel":0,"num_words":14,"start":33.95,"end":37.41},{"sentences":[{"text":"Okay.","start":39.190002,"end":39.690002,"sentiment":"neutral","sentiment_score":0.2268754839897156}],"sentiment":"neutral","sentiment_score":0.2268754839897156,"channel":1,"num_words":1,"start":39.190002,"end":39.690002},{"sentences":[{"text":"Excellent.","start":40.915,"end":41.075,"sentiment":"positive","sentiment_score":0.3770858645439148},{"text":"And just while that is coming through there, Brahm, when I'll just do a quick security check there with you.","start":41.075,"end":45.655003,"sentiment":"neutral","sentiment_score":0.1912495967000723},{"text":"And, also, just to confirm, we do record our calls for quality and training purposes.","start":45.715,"end":49.315002,"sentiment":"neutral","sentiment_score":0.1524675319592158},{"text":"Are you happy for us to proceed with that?","start":49.315002,"end":51.335,"sentiment":"neutral","sentiment_score":0.2005860557158788}],"sentiment":"neutral","sentiment_score":0.18431922843058904,"channel":0,"num_words":45,"start":40.915,"end":51.335},{"sentences":[{"text":"Yes.","start":51.835,"end":52.335,"sentiment":"neutral","sentiment_score":0.15859279036521912}],"sentiment":"neutral","sentiment_score":0.15859279036521912,"channel":1,"num_words":1,"start":51.835,"end":52.335},{"sentences":[{"text":"Fantastic.","start":53.075,"end":53.555,"sentiment":"neutral","sentiment_score":0.31371191143989563},{"text":"And just to do security there, just to confirm, your full name, your date of birth, and address I should","start":53.555,"end":59.627144,"sentiment":"neutral","sentiment_score":0.12951097525656224}],"sentiment":"neutral","sentiment_score":0.13828244840814954,"channel":0,"num_words":21,"start":53.075,"end":59.627144},{"sentences":[{"text":"So","start":59.59,"end":60.09,"sentiment":"neutral","sentiment_score":0.07274887710809708}],"sentiment":"neutral","sentiment_score":0.07274887710809708,"channel":1,"num_words":1,"start":59.59,"end":60.09},{"sentences":[{"text":"have","start":59.812855,"end":60.312855,"sentiment":"neutral","sentiment_score":0.07809191942214966}],"sentiment":"neutral","sentiment_score":0.07809191942214966,"channel":0,"num_words":1,"start":59.812855,"end":60.312855},{"sentences":[{"text":"Bronwyn","start":60.15,"end":60.65,"sentiment":"neutral","sentiment_score":0.08293262124061584}],"sentiment":"neutral","sentiment_score":0.08293262124061584,"channel":1,"num_words":1,"start":60.15,"end":60.65},{"sentences":[{"text":"on","start":60.49857,"end":60.99857,"sentiment":"neutral","sentiment_score":0.09262921661138536}],"sentiment":"neutral","sentiment_score":0.09262921661138536,"channel":0,"num_words":1,"start":60.49857,"end":60.99857},{"sentences":[{"text":"Eklund,","start":60.71,"end":61.21,"sentiment":"neutral","sentiment_score":0.09697171300649644}],"sentiment":"neutral","sentiment_score":0.09697171300649644,"channel":1,"num_words":1,"start":60.71,"end":61.21},{"sentences":[{"text":"file?","start":61.184284,"end":61.684284,"sentiment":"neutral","sentiment_score":0.09125512838363647},{"text":"Yep.","start":61.87,"end":62.37,"sentiment":"neutral","sentiment_score":0.022444849833846092}],"sentiment":"neutral","sentiment_score":0.05684998910874128,"channel":0,"num_words":2,"start":61.184284,"end":62.37},{"sentences":[{"text":"address is 4 Slash 12 Topaz Court, Holywell, Queensland 4216.","start":63.03,"end":69.05,"sentiment":"neutral","sentiment_score":0.038964919932186606}],"sentiment":"neutral","sentiment_score":0.038964919932186606,"channel":1,"num_words":10,"start":63.03,"end":69.05},{"sentences":[{"text":"Beautiful.","start":69.31,"end":69.81,"sentiment":"positive","sentiment_score":0.33347317576408386}],"sentiment":"positive","sentiment_score":0.33347317576408386,"channel":0,"num_words":1,"start":69.31,"end":69.81},{"sentences":[{"text":"And","start":69.795006,"end":70.295006,"sentiment":"neutral","sentiment_score":0.2761985659599304}],"sentiment":"neutral","sentiment_score":0.2761985659599304,"channel":1,"num_words":1,"start":69.795006,"end":70.295006},{"sentences":[{"text":"Thank you so much.","start":69.95,"end":71.17,"sentiment":"neutral","sentiment_score":0.3323277235031128}],"sentiment":"neutral","sentiment_score":0.3323277235031128,"channel":0,"num_words":4,"start":69.95,"end":71.17},{"sentences":[{"text":"is","start":71.075005,"end":71.235,"sentiment":"neutral","sentiment_score":0.06413670629262924}],"sentiment":"neutral","sentiment_score":0.06413670629262924,"channel":1,"num_words":1,"start":71.075005,"end":71.235},{"sentences":[{"text":"Yes.","start":71.229996,"end":71.729996,"sentiment":"neutral","sentiment_score":0.059245262295007706}],"sentiment":"neutral","sentiment_score":0.059245262295007706,"channel":0,"num_words":1,"start":71.229996,"end":71.729996},{"sentences":[{"text":"that it or","start":71.235,"end":71.955,"sentiment":"neutral","sentiment_score":0.025411720698078472}],"sentiment":"neutral","sentiment_score":0.025411720698078472,"channel":1,"num_words":3,"start":71.235,"end":71.955},{"sentences":[{"text":"I","start":71.775,"end":72.275,"sentiment":"neutral","sentiment_score":0.017792563885450363}],"sentiment":"neutral","sentiment_score":0.017792563885450363,"channel":0,"num_words":1,"start":71.775,"end":72.275},{"sentences":[{"text":"date of birth?","start":71.955,"end":72.675,"sentiment":"neutral","sentiment_score":0.02702891764541467},{"text":"No.","start":72.675,"end":73.175,"sentiment":"neutral","sentiment_score":-0.0003180098719894886}],"sentiment":"neutral","sentiment_score":0.02019218576606363,"channel":1,"num_words":4,"start":71.955,"end":73.175},{"sentences":[{"text":"yeah.","start":73.135,"end":73.535,"sentiment":"neutral","sentiment_score":0.003442023415118456},{"text":"Date of birth as well.","start":73.535,"end":74.415,"sentiment":"neutral","sentiment_score":0.002365594357252121},{"text":"Sorry.","start":74.415,"end":74.735,"sentiment":"neutral","sentiment_score":-0.0004561156965792179},{"text":"Yep.","start":74.735,"end":75.235,"sentiment":"neutral","sentiment_score":0.015680599957704544}],"sentiment":"neutral","sentiment_score":0.0038118099328130484,"channel":0,"num_words":8,"start":73.135,"end":75.235},{"sentences":[{"text":"Yep.","start":75.235,"end":75.735,"sentiment":"neutral","sentiment_score":0.017710212618112564},{"text":"Eleventh of the ninth sixty nine.","start":76.115005,"end":78.135,"sentiment":"neutral","sentiment_score":0.027014226652681828}],"sentiment":"neutral","sentiment_score":0.025685081790600504,"channel":1,"num_words":7,"start":75.235,"end":78.135},{"sentences":[{"text":"Beautiful.","start":78.575005,"end":79.055,"sentiment":"neutral","sentiment_score":0.2858542203903198},{"text":"Thank you so much for that.","start":79.055,"end":80.255005,"sentiment":"positive","sentiment_score":0.387884000937144},{"text":"And how's your day been so far?","start":80.255005,"end":82.195,"sentiment":"neutral","sentiment_score":0.1947047391108104}],"sentiment":"neutral","sentiment_score":0.2840065285563469,"channel":0,"num_words":14,"start":78.575005,"end":82.195},{"sentences":[{"text":"Yeah.","start":82.58,"end":82.9,"sentiment":"neutral","sentiment_score":0.10761728882789612},{"text":"Not too bad.","start":82.9,"end":83.78,"sentiment":"neutral","sentiment_score":0.10379594067732494},{"text":"Yeah.","start":83.78,"end":84.28,"sentiment":"neutral","sentiment_score":0.1903078854084015}],"sentiment":"neutral","sentiment_score":0.12186259925365447,"channel":1,"num_words":5,"start":82.58,"end":84.28},{"sentences":[{"text":"That's good.","start":84.335,"end":85.155,"sentiment":"neutral","sentiment_score":0.3199186474084854},{"text":"That's excellent.","start":85.295,"end":86.035,"sentiment":"positive","sentiment_score":0.4441524147987366},{"text":"Excellent.","start":86.255005,"end":86.755005,"sentiment":"neutral","sentiment_score":0.2862739562988281},{"text":"Has that email popped through to you there at all?","start":87.87,"end":90.450005,"sentiment":"neutral","sentiment_score":0.052191768400371076}],"sentiment":"neutral","sentiment_score":0.1557555843144655,"channel":0,"num_words":15,"start":84.335,"end":90.450005},{"sentences":[{"text":"Sorry.","start":90.42,"end":90.74,"sentiment":"neutral","sentiment_score":-0.049555398523807526},{"text":"I'm just opening my email.","start":90.74,"end":92.44,"sentiment":"neutral","sentiment_score":-0.06142925545573234}],"sentiment":"neutral","sentiment_score":-0.059450279300411545,"channel":1,"num_words":6,"start":90.42,"end":92.44},{"sentences":[{"text":"No.","start":92.990005,"end":93.310005,"sentiment":"neutral","sentiment_score":-0.0901304930448532},{"text":"You're 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next page down is essentially going through the investment changes with regard to your your personal investment","start":1556.335,"end":1561.7949,"sentiment":"neutral","sentiment_score":0.09920818482836087}],"sentiment":"neutral","sentiment_score":0.1507486540824175,"channel":0,"num_words":20,"start":1554.335,"end":1561.7949},{"sentences":[{"text":"Mhmm.","start":1563.0,"end":1563.5,"sentiment":"neutral","sentiment_score":0.03892334923148155}],"sentiment":"neutral","sentiment_score":0.03892334923148155,"channel":1,"num_words":1,"start":1563.0,"end":1563.5},{"sentences":[{"text":"If you can scroll down for me to page number 25, this is running through those.","start":1563.28,"end":1569.54,"sentiment":"neutral","sentiment_score":0.051967188250273466},{"text":"Beautiful.","start":1575.76,"end":1576.26,"sentiment":"positive","sentiment_score":0.36201515793800354},{"text":"Now I will note you'll probably note that the investment changes are slightly different to 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you","start":2672.693,"end":2672.933,"sentiment":"neutral","sentiment_score":0.1354130357503891}],"sentiment":"neutral","sentiment_score":0.1354130357503891,"channel":0,"num_words":2,"start":2672.693,"end":2672.933},{"sentences":[{"text":"See","start":2672.9028,"end":2672.983,"sentiment":"neutral","sentiment_score":0.1765243262052536}],"sentiment":"neutral","sentiment_score":0.1765243262052536,"channel":1,"num_words":1,"start":2672.9028,"end":2672.983},{"sentences":[{"text":"later.","start":2672.933,"end":2673.433,"sentiment":"neutral","sentiment_score":0.1956082433462143}],"sentiment":"neutral","sentiment_score":0.1956082433462143,"channel":0,"num_words":1,"start":2672.933,"end":2673.433},{"sentences":[{"text":"you later.","start":2672.983,"end":2673.6428,"sentiment":"neutral","sentiment_score":0.18562018871307373}],"sentiment":"neutral","sentiment_score":0.18562018871307373,"channel":1,"num_words":2,"start":2672.983,"end":2673.6428},{"sentences":[{"text":"Bye.","start":2673.573,"end":2674.073,"sentiment":"neutral","sentiment_score":0.15445607900619507}],"sentiment":"neutral","sentiment_score":0.15445607900619507,"channel":0,"num_words":1,"start":2673.573,"end":2674.073},{"sentences":[{"text":"Bye.","start":2674.1829,"end":2674.5828,"sentiment":"neutral","sentiment_score":0.13284093141555786},{"text":"Bye.","start":2674.5828,"end":2675.0828,"sentiment":"neutral","sentiment_score":-0.1016775444149971}],"sentiment":"neutral","sentiment_score":0.01558169350028038,"channel":1,"num_words":2,"start":2674.1829,"end":2675.0828}]},"summary":{"result":"success","short":"The speaker discusses their retirement plans and the importance of maintaining their investment portfolio. They recommend updating beneficiary allocations and maintaining their investment account, emphasizing the benefits of retireing and adjusting their taxable income. The speaker emphasizes the importance of minimizing tax consequences and setting up a trust for future income. They also provide guidance on updating retirement plans and signing and returning documents."},"intents":{"segments":[{"text":"Do you have access to your email, sir? I just normally send through the advice documents so you can have a look at it with me. Are you able to pull up your email, sir, at the moment? Yes.","start_word":58,"end_word":96,"intents":[{"intent":"Check access to advice documents","confidence_score":0.00008953486}]},{"text":"It'll take you through so you can see the document Yep. itself. The one that we are looking at is a statement of advice. It should be the first document there. Yep.","start_word":348,"end_word":379,"intents":[{"intent":"Review document","confidence_score":0.13251953}]},{"text":"as a whole, the recommendations that I'll go through with you, as well as Mhmm. any advantages, disadvantages, and risks involved, and any considerate sorry. Any alternative considerations that we have made as well for you. Okay?","start_word":472,"end_word":508,"intents":[{"intent":"Review recommendations","confidence_score":0.026603976}]},{"text":"So the areas that we are looking at with regards to the advice document are areas of superannuation and investments.","start_word":562,"end_word":581,"intents":[{"intent":"Discuss investments","confidence_score":0.018672435}]},{"text":"also did wanna have a look at your super as well as the investment portfolio. We talked about whether you wanted to keep the investment or look at trying to consolidate that in certain ways. So I have done a lot of research around whether or not we keep them as they are or whether we look to move some money into super for you, and I have made a recommendation below, which I'll go through with you. Okay.","start_word":633,"end_word":711,"intents":[{"intent":"Consolidate funds","confidence_score":0.4241727}]},{"text":"The so your goal when we sort of spoke with regard to your super that was that you were looking to retire around about age 65 and, hopefully, your income of about $1,000 a week. Does that still feel appropriate to your circumstances and your super goal currently? Yeah.","start_word":713,"end_word":761,"intents":[{"intent":"Retire at 65","confidence_score":0.032711603},{"intent":"Ensure financial plan reflects super","confidence_score":2.1800877e-9}]},{"text":"And with the investment, you essentially wanted to keep an emergency buffer and have flexibility within the investment account to pull money out where need be for unexpected needs or discretionary spending and or travel that you definitely would like to do down the track.","start_word":772,"end_word":816,"intents":[{"intent":"Maintain emergency buffer","confidence_score":0.6988799}]},{"text":"I haven't done anything this year, but going to Japan in November. Fantastic.","start_word":833,"end_word":845,"intents":[{"intent":"Suggest traveling to japan","confidence_score":0.0065688784}]},{"text":"So I have made a recommendation to update your beneficiary nomination so that it does reflect the most tax effective way to pass to your children, and I'll go through Okay.","start_word":949,"end_word":979,"intents":[{"intent":"Update beneficiary nomination","confidence_score":0.83808815}]},{"text":"We're not providing any additional advice at the moment. And, also, Mhmm. your goal of traveling to Japan for business, we're not scoping anything in with regards to your trip to Japan either. Mhmm. However, down the track, if you wanted additional advice to come back, we can talk about what we're able to provide and assist you in other areas as well. Okay.","start_word":1011,"end_word":1074,"intents":[{"intent":"Provide advice on business goals","confidence_score":0.00063592114}]},{"text":"Essentially, what I am recommending is that with regard to your super and also the investment is that we do look at holding them exactly the way they are. I'm I'm not recommending that we we withdraw anything from the investment account to put in the super at the moment.","start_word":1177,"end_word":1226,"intents":[{"intent":"Recommend using super","confidence_score":0.0028985713}]},{"text":"Essentially, it would there'll be too much of a capital gains risk on yourself. There are contributions we can make to limit those contribution to limit those capital gains Okay. Correct. taxes.","start_word":1321,"end_word":1352,"intents":[{"intent":"Discuss limiting contributions","confidence_score":0.023575874}]},{"text":"As an alternative, what we can look at doing in the future as a future consideration is to when you do retire and you're depending on what happens with your business and whether you're still able to draw income or whether you keep the business running through retirement, Right.","start_word":1399,"end_word":1447,"intents":[{"intent":"Discuss retirement income","confidence_score":0.03337005}]},{"text":"So if you're under that sort of tax free threshold, then we Yes.","start_word":1487,"end_word":1499,"intents":[{"intent":"Assist with tax exemptions","confidence_score":0.00004973084}]},{"text":"We can look at what we can do and strategies to put in place, and we can update the advice to reflect. Okay.","start_word":1863,"end_word":1885,"intents":[{"intent":"Update advice","confidence_score":0.008510359}]},{"text":"Anything between 18,200 to 45,000 is currently taxed at 15%. Once you hit that 45,000 up to a 135,000, it's 30%. This is not That including is 30 the percent. Medicare levy.","start_word":2236,"end_word":2267,"intents":[{"intent":"Clarify tax implications","confidence_score":0.0024664875}]},{"text":"we'll be selling off the Ben along Australian Equities, which is an actively managed Australian equity fund. That one Yep.","start_word":2608,"end_word":2627,"intents":[{"intent":"Sell portfolio","confidence_score":0.017290602}]},{"text":"also gonna be removing the battery and lithium tech has done very well, but it there are other things that we can update Mhmm. to create better returns and a lower cost portfolio.","start_word":2650,"end_word":2682,"intents":[{"intent":"Update portfolio","confidence_score":0.22515172}]},{"text":"The bank hybrids are being fully removed as well, so they are being phased out by the government in the future. So it is important Right.","start_word":2683,"end_word":2708,"intents":[{"intent":"Remove bank hybrids","confidence_score":0.57401615}]},{"text":"are already making changes to your suit for that. So Before those you three before will you sell lose more money. absolutely.","start_word":2754,"end_word":2775,"intents":[{"intent":"Make changes","confidence_score":0.6546266}]},{"text":"wanna do is we wanna buy a little bit more of that, so we're gonna purchase some more physical gold there for you. Okay.","start_word":2839,"end_word":2862,"intents":[{"intent":"Buy physical gold","confidence_score":0.15221804}]},{"text":"rebalancing your super back a little bit there. Okay?","start_word":2894,"end_word":2902,"intents":[{"intent":"Rebalance super back","confidence_score":0.06656052}]},{"text":"your portfolio, you're in more of that growth environment. So you generally see about 80% of your super in those growth investments, and we wanna Mhmm. hold about 20% in defensive lower risk investments. We're actually gonna hold about 14% there, and we just wanna increase from eight to 14%.","start_word":2926,"end_word":2975,"intents":[{"intent":"Increase portfolio","confidence_score":0.05626148}]},{"text":"your portfolio, you're in more of that growth environment. So you generally see about 80% of your super in those growth investments, and we wanna Mhmm. hold about 20% in defensive lower risk investments. We're actually gonna hold about 14% there, and we just wanna increase from eight to 14%. So it means buying some more of those for you. Okay?","start_word":2926,"end_word":2986,"intents":[{"intent":"Hold portfolio","confidence_score":0.12725122}]},{"text":"This investment actually tracks the S and P 500 index, so it means that you're always tracking the top 500 companies in The US. Mhmm.","start_word":3051,"end_word":3075,"intents":[{"intent":"Track and sell","confidence_score":0.024921468}]},{"text":"of the biggest ways that we can ultimately reduce risk is to diversify. So this newer portfolio is giving you more diversification to help lower the market risk as much as possible, whilst Mhmm. tracking all the different markets around the globe for you. So, having Okay.","start_word":3330,"end_word":3376,"intents":[{"intent":"Educate about portfolio benefits","confidence_score":0.0018320151}]},{"text":"that, you'll see the growth portfolio, the newer portfolio. When we look at the past returns and how this has performed over the same five year period, it has actually provided a greater return.","start_word":4181,"end_word":4214,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.21481484}]},{"text":"that's sort of looking at the average over the Yep. past five years. Okay.","start_word":4373,"end_word":4386,"intents":[{"intent":"Analyze portfolio investments","confidence_score":0.0020807183}]},{"text":"The the following page gives you a bit of an idea of where we're tracking for.","start_word":4730,"end_word":4745,"intents":[{"intent":"Track income","confidence_score":0.06359678}]},{"text":"There's other strategies that we can put in place to assist you as well, Mhmm.","start_word":4906,"end_word":4920,"intents":[{"intent":"Assist with investments","confidence_score":0.07526341}]},{"text":"And when you actually get to the time and start to draw down an income, then we can look at a lot more detail exactly how long that's expected to last for you. Okay?","start_word":4934,"end_word":4967,"intents":[{"intent":"Determine investment duration","confidence_score":0.00053138845}]},{"text":"because of the the different tax consequences to your personal investment account, I tried to limit the CGT consequences as much as possible. And Okay.","start_word":5033,"end_word":5057,"intents":[{"intent":"Limit cgt consequences","confidence_score":0.57136106}]},{"text":"So I am just reweighting this one and reducing Okay.","start_word":5216,"end_word":5225,"intents":[{"intent":"Reweight portfolio","confidence_score":0.840782}]},{"text":"With the bank hybrids, again, these ones are actually being phased out by the government. So we are removing them completely from your portfolio, and we'll replace Mhmm. them with something different. Physical gold, you're a little bit overweight, and you've had some really good growth there, so we're just reducing your exposure to 6% and selling some of that off. Yep.","start_word":5236,"end_word":5297,"intents":[{"intent":"Reduce risks","confidence_score":0.00047829302}]},{"text":"just increasing your exposure there. This portfolio is also within that growth area, but we're able to increase this exposure to 20% there for you. Okay? Okay.","start_word":5367,"end_word":5393,"intents":[{"intent":"Boost portfolio","confidence_score":0.00013868562}]},{"text":"With the VanEck property, in this personal investment option, we're just gonna reweight increase the exposure to 5%. We are selling VanEck in super. Property hasn't done bad in any way, shape, or form. Within super, it's just the whole overall newer portfolio works better for you. However, Mhmm.","start_word":5529,"end_word":5577,"intents":[{"intent":"Optimize portfolio performance","confidence_score":0.17105162}]},{"text":"To hold the Mhmm. 1.25% we need, we need to make sure we hold a bit more cash.","start_word":5818,"end_word":5835,"intents":[{"intent":"Hold mhm","confidence_score":0.02392465}]},{"text":"To hold the Mhmm. 1.25% we need, we need to make sure we hold a bit more cash. So we're just gonna add about 1,900 in cash there so Yep.","start_word":5818,"end_word":5847,"intents":[{"intent":"Add cash","confidence_score":0.8997428}]},{"text":"If you get under page 28 for me, this shows you the difference. Mhmm. Perfect.","start_word":5874,"end_word":5888,"intents":[{"intent":"Understand difference","confidence_score":0.022865327}]},{"text":"When we sort of look at the CGT consequences, now Hub twenty four actually note the CGT consequences at 47%.","start_word":5961,"end_word":5980,"intents":[{"intent":"Note cgt consequences","confidence_score":0.0148717575}]},{"text":"to actually limit to that as much as possible. Admittedly, Yep.","start_word":6079,"end_word":6089,"intents":[{"intent":"Limit cgt estimate","confidence_score":0.041148327}]},{"text":"upon how long it actually goes, but this is an estimate based on 47%. Your tax rate on your income is lower than that, so your CGT estimate should be Yep. slightly lower, but we wanted Mhmm.","start_word":6133,"end_word":6169,"intents":[{"intent":"Determine timing","confidence_score":0.0058025667}]},{"text":"Never. does any of this affect my do I have to pay, you know, pay tax at the end of the financial year with any of all these changes happening? Does it affect any of that?","start_word":6208,"end_word":6243,"intents":[{"intent":"Understand tax implications","confidence_score":0.012244856}]},{"text":"No change there to the other fees or the ongoing service fee. At the moment, you're paying a set dollar figure fee. When Yep. you're adding review or when everything sort of comes up for renewal in October, we'll touch base then, look at how things are going, and Mhmm. we'll also then talk about the fee structure and how that looks for you moving forward. Okay?","start_word":6599,"end_word":6665,"intents":[{"intent":"Discuss fees and fee structure","confidence_score":0.0009184976}]},{"text":"So love to see that happening for you, and we'll just make sure we review things to keep you on track and make changes Yep.","start_word":6739,"end_word":6763,"intents":[{"intent":"Keep investor on track","confidence_score":0.021093955}]},{"text":"The only other part of the recommendation to let you know about is the beneficiary side of things. So at the moment in your super, Mhmm. the beneficiary nomination is set up to each of your children at 50% each. Absolutely Yes.","start_word":6777,"end_word":6818,"intents":[{"intent":"Specify beneficiary nomination structure","confidence_score":0.00010796835}]},{"text":"So it is really important that you do have an up to date will that reflects your wishes and have that reviewed by a lawyer on a regular basis to make sure that that is reflective. The Yep.","start_word":7176,"end_word":7213,"intents":[{"intent":"Create will","confidence_score":0.0070199487}]},{"text":"So you just said if I change this, which is great Mhmm. with the with the, yeah, non bind the binding non lapsing, do I have to change the will to stipulate that, or Yep. is it yeah.","start_word":7390,"end_word":7427,"intents":[{"intent":"Discuss will changes","confidence_score":0.034687646}]},{"text":"That's not to change, Yep. and we'll catch up in October when there is time to review that and update that for the next twelve months.","start_word":7698,"end_word":7723,"intents":[{"intent":"Update and update information","confidence_score":0.118869126}]},{"text":"Feel free to have a read. Let me know if there are any questions. And if you decide you're happy to take on the advice and move forward, we'll just get you to sign and return that back. If any Okay.","start_word":7794,"end_word":7834,"intents":[{"intent":"Provide guidance and guidance on future plans","confidence_score":0.000027175405}]},{"text":"So we start to submit those changes. You might receive emails in the back end to show that we're buying and selling bits and pieces. It can take anywhere up to a couple of weeks to complete the changes.","start_word":8052,"end_word":8090,"intents":[{"intent":"Submit changes","confidence_score":0.9052217}]},{"text":"It's been a pleasure to put this together, and I really enjoyed putting the research together for you as well. So, you know, if there's ever any questions or anything else comes up, please let us know, and I'll definitely make sure we catch up in October to see how things are going, review everything, and I look forward Mhmm.","start_word":8188,"end_word":8247,"intents":[{"intent":"Schedule review","confidence_score":0.00026838845}]}]},"sentiments":{"segments":[{"text":"Hello? Hello? Hi, Bronwyn. Hi, This Brooklyn. is Dana This from is Okie Financial. How are you this afternoon?","start_word":0,"end_word":18,"sentiment":"neutral","sentiment_score":0.14111626148223877},{"text":"Good.","start_word":19,"end_word":19,"sentiment":"positive","sentiment_score":0.429034948348999},{"text":"How are you?","start_word":20,"end_word":22,"sentiment":"neutral","sentiment_score":0.3174031674861908},{"text":"I'm very well. Thank you. Thanks for asking.","start_word":23,"end_word":30,"sentiment":"positive","sentiment_score":0.6183846592903137},{"text":"I had you booked in to go through your updated statement of advice. Is now still a good time there for you? Yeah. That's fine. Yep.","start_word":31,"end_word":56,"sentiment":"neutral","sentiment_score":0.2389029711484909},{"text":"Fantastic.","start_word":57,"end_word":57,"sentiment":"positive","sentiment_score":0.5200452208518982},{"text":"Do you have access to your email, sir? I just normally send through the advice documents so you can have a look at it with me. Are you able to pull up your email, sir, at the moment? Yes. I can Yes. do that.","start_word":58,"end_word":101,"sentiment":"neutral","sentiment_score":0.11110103130340576},{"text":"Fantastic.","start_word":102,"end_word":102,"sentiment":"positive","sentiment_score":0.4968092441558838},{"text":"Yeah. I'll just press send on that one for you. It'll just come through from. Okay.","start_word":103,"end_word":118,"sentiment":"neutral","sentiment_score":0.19366508722305295},{"text":"Excellent.","start_word":119,"end_word":119,"sentiment":"positive","sentiment_score":0.3770858645439148},{"text":"And just while that is coming through there, Brahm, when I'll just do a quick security check there with you. And, also, just to confirm, we do record our calls for quality and training purposes. Are you happy for us to proceed with that? Yes. Fantastic. And just to do security there, just to confirm, your full name, your date of birth, and address I should So have Bronwyn on Eklund, file? Yep. address is 4 Slash 12 Topaz Court, Holywell, Queensland 4216.","start_word":120,"end_word":202,"sentiment":"neutral","sentiment_score":0.13869157433509827},{"text":"Beautiful.","start_word":203,"end_word":203,"sentiment":"positive","sentiment_score":0.33347317576408386},{"text":"And Thank you so much. is Yes. that it or I date of birth? No. yeah. Date of birth as well. Sorry. Yep. Yep. Eleventh of the ninth sixty nine. Beautiful.","start_word":204,"end_word":234,"sentiment":"neutral","sentiment_score":0.07001401484012604},{"text":"Thank you so much for that.","start_word":235,"end_word":240,"sentiment":"positive","sentiment_score":0.3876040577888489},{"text":"And how's your day been so far? Yeah. Not too bad. Yeah. That's good.","start_word":241,"end_word":254,"sentiment":"neutral","sentiment_score":0.1968763172626495},{"text":"That's excellent.","start_word":255,"end_word":256,"sentiment":"positive","sentiment_score":0.44371119141578674},{"text":"Excellent. Has that email popped through to you there at all? Sorry. I'm just opening my email. No. You're fine. You just let me know to slow down. Sorry about that. No. That's fine. That's fine. I just usually use it on my phone. You know, it's so much easier. Now I'm just log logging into a laptop so I can see it easier. Yeah. Yeah. No. That's okay. That's not a problem at all. Okay. Got it. Perfect. Sign. So I click on sign document. Yep. Yep. Just do that. It'll take you through so you can see the document Yep. itself. The one that we are looking at is a statement of advice. It should be the first document there. Yep. Got it.","start_word":257,"end_word":381,"sentiment":"neutral","sentiment_score":0.07963378578424454},{"text":"Yep. Beautiful.","start_word":382,"end_word":383,"sentiment":"positive","sentiment_score":0.49658480286598206},{"text":"Notes that has been prepared for yourself, Romain Edlund, as of the 08/05/2026. On the bottom of Mhmm. the first page has my authorized representative number. So I'm a licensed financial adviser with Asic there, and my license number is 1304394. We'll skip a couple of pages. Essentially, I'll just take you to the sections that I need to to make sure you get the information, and then you're Yep.","start_word":384,"end_word":453,"sentiment":"neutral","sentiment_score":0.09795325249433516},{"text":"welcome to go back and have a really good read of the document, the document Yeah.","start_word":454,"end_word":469,"sentiment":"positive","sentiment_score":0.4799748361110687},{"text":"outlines Sure. as a whole, the recommendations that I'll go through with you, as well as Mhmm. any advantages, disadvantages, and risks involved, and any considerate sorry. Any alternative considerations that we have made as well for you. Okay? Okay. Sure. Yep.","start_word":470,"end_word":511,"sentiment":"neutral","sentiment_score":0.0861704871058464},{"text":"Excellent.","start_word":512,"end_word":512,"sentiment":"positive","sentiment_score":0.49831461906433105},{"text":"If I can get you to scroll down to page number three for me, sometimes Yes. your document might have it as four, but we have the heading, the scope in of Yep. advice section. That's the one you're Yes. looking at. Yeah. Ben That's fine.","start_word":513,"end_word":558,"sentiment":"neutral","sentiment_score":0.10655394941568376},{"text":"has fantastic.","start_word":559,"end_word":560,"sentiment":"positive","sentiment_score":0.617506742477417},{"text":"Yep. So the areas that we are looking at with regards to the advice document are areas of superannuation and investments. The last time we caught up, we did your review, and we had a bit of a look at your superannuation. I noted there might be some changes that we need to make to some of the investments to make sure they continue working harder for you as well. We Mhmm. also did wanna have a look at your super as well as the investment portfolio. We talked about whether you wanted to keep the investment or look at trying to consolidate that in certain ways. So I have done a lot of research around whether or not we keep them as they are or whether we look to move some money into super for you, and I have made a recommendation below, which I'll go through with you. Okay. The so your goal when we sort of spoke with regard to your super that was that you were looking to retire around about age 65 and, hopefully, your income of about $1,000 a week. Does that still feel appropriate to your circumstances and your super goal currently? Yeah. I think so. Yep. That looks Yeah.","start_word":561,"end_word":767,"sentiment":"neutral","sentiment_score":0.07128942927012696},{"text":"good. That's okay. Excellent.","start_word":768,"end_word":771,"sentiment":"positive","sentiment_score":0.5249738693237305},{"text":"And with the investment, you essentially wanted to keep an emergency buffer and have flexibility within the investment account to pull money out where need be for unexpected needs or discretionary spending and or travel that you definitely would like to do down the track. Have you had any travel plans this year or done anything this year so far? No. I haven't done anything this year, but going to Japan in November.","start_word":772,"end_word":844,"sentiment":"neutral","sentiment_score":0.17204555869102478},{"text":"Fantastic.","start_word":845,"end_word":845,"sentiment":"positive","sentiment_score":0.3589715361595154},{"text":"How long Yeah. for? For two Oh, that'll weeks.","start_word":846,"end_word":854,"sentiment":"neutral","sentiment_score":0.1323707401752472},{"text":"be amazing.","start_word":855,"end_word":856,"sentiment":"positive","sentiment_score":0.4392174184322357},{"text":"Everyone here who's Yeah.","start_word":857,"end_word":860,"sentiment":"neutral","sentiment_score":0.23976197838783264},{"text":"been to Japan says it's incredible. Yeah. Yeah. It should be it should be really good.","start_word":861,"end_word":876,"sentiment":"positive","sentiment_score":0.4619102478027344},{"text":"Yeah. Absolutely. Yeah. Yeah. I don't plan to use any of that investment money for That's that okay. anyway. No. That's okay. That's not a problem at all. Yeah. We've also scoped in the estate planning side of things. So one of the things we talked about was that you wanted your super in the event of passing away Yes. to be passed to your children in the most tax effective way. So I have made a recommendation to update your beneficiary nomination so that it does reflect the most tax effective way to pass to your children, and I'll go through Okay. that shortly as Yes. well. Great. Okay. Yep. Beautiful. Areas that we're not considering, you did have a goal with your guide to your business to grow and keep building that. We're not providing any additional advice at the moment. And, also, Mhmm. your goal of traveling to Japan for business, we're not scoping anything in with regards to your trip to Japan either. Mhmm. However, down the track, if you wanted additional advice to come back, we can talk about what we're able to provide and assist you in other areas as well. Okay. Mhmm. Okay. Excellent. We'll scroll past a couple of pages now. And if I can get you sorry. Just go down to page number 15. I'll start by going through the changes and what I am recommending for you. Okay? Okay.","start_word":877,"end_word":1115,"sentiment":"neutral","sentiment_score":0.05295299155692176},{"text":"Excellent.","start_word":1116,"end_word":1116,"sentiment":"positive","sentiment_score":0.573128879070282},{"text":"15. Yep. It'll have investments and a whole big table with lots of red and green and all the investment Okay. options noted. Yep. Gotcha. Yep.","start_word":1117,"end_word":1142,"sentiment":"neutral","sentiment_score":0.19314205646514893},{"text":"That's beautiful.","start_word":1143,"end_word":1144,"sentiment":"positive","sentiment_score":0.7511968016624451},{"text":"You can sort of see why we like to have the document in front of you to make things a Yeah. little bit easy when going through it. Yes. No. That's good. Essentially, what I am recommending is that with regard to your super and also the investment is that we do look at holding them exactly the way they are. I'm I'm not recommending that we we withdraw anything from the investment account to put in the super at the moment. To give you a bit of a breakdown, I did look at doing so. I did look at the capital gains Okay. around doing so and how we could do so. As much Yep. as we do have availability and can utilize carry form catch ups and additional contributions to boost up your super, When I Mhmm. sort of looked at the the capital gains consequences of selling anything down now because you are still working and with the estimated income that you've got, it just did not work out into your benefit. Okay. Essentially, it would there'll be too much of a capital gains risk on yourself. There are contributions we can make to limit those contribution to limit those capital gains Okay. Correct. taxes. Yeah. Yeah. But in doing so, it didn't really provide you with any great benefit to doing so. So I have recommended that we don't we that we do just keep the super and the investments exactly as they are for the time being. Okay. Okay. As an alternative, what we can look at doing in the future as a future consideration is to when you do retire and you're depending on what happens with your business and whether you're still able to draw income or whether you keep the business running through retirement, Right. essentially, we look at what your taxable income looks like. Generally speaking, in retirement. If we're not earning any income except from super, because it's a tax free income, our tax free threshold drops below that 18,200 mark. So if you're under that sort of tax free threshold, then we Yes.","start_word":1145,"end_word":1498,"sentiment":"neutral","sentiment_score":-0.046421044279879094},{"text":"could look at drawing money out of the investment in increments and boosting up your super that way.","start_word":1499,"end_word":1516,"sentiment":"positive","sentiment_score":0.41868409514427185},{"text":"That way, Okay. making sure that the capital gains don't affect you, doing it in smaller increments to make sure we're not overstepping the the tax free threshold or, you know, we're Yep. not causing any major capital gains effect for you. It does mean it would be a slower process to sort of transfer money into. The Yep. Okay. main sort of difference or reason we would look to do that down the track is that when you reach retirement, you everything in the super system becomes fully tax free. You'll be over 60, Right. meet that condition of release. The income that you're drawn drawing out of that is completely tax free to you. By Okay. drawing money out of the investment in your own personal name, that income still remains taxable. So you'll still pay income tax and capital gains tax. So if you're earning over the and Right. that always accounted for in your own personal name. So we can look at that Yep. down the track, see how things are going when you do retire, and look at strategies and look at those sorts of increments there. But I did Mhmm. factor Okay. all of those options in, and it doesn't Yep. work in any in your benefit.","start_word":1517,"end_word":1729,"sentiment":"neutral","sentiment_score":0.15162129700183868},{"text":"The last thing we want is to cause more cause you having to pay more tax.","start_word":1730,"end_word":1745,"sentiment":"negative","sentiment_score":-0.5522549152374268},{"text":"Yeah. There Yeah. is Yeah. absolutely no reason to do that, and we wanna make sure you're right. Sorry. Go. So Yeah. no. So you're saying when you when I retire and I can access the super, Mhmm. so if I do take money out of the super, it's it's tax free. Is that right? Yeah. Absolutely. Yep. Yep. Yep. So once you once you at the moment, the earliest we can access super is 60 so long as we meet a condition of release and fully retire. Right. Your goal age is 65. But at the Mhmm. moment, if you decide at 60 you no longer wanna work, that's absolutely fine. You let me know. We can look at what we can do and strategies to put in place, and we can update the advice to reflect. Okay. But, yeah, current currently, once you hit that condition of release and you fully retire, we move you into pension phase. The Mhmm. benefits there are any income you draw at is completely tax free to yourself. You can access Yep.","start_word":1746,"end_word":1925,"sentiment":"neutral","sentiment_score":0.0745761286881235},{"text":"all of your super.","start_word":1926,"end_word":1929,"sentiment":"positive","sentiment_score":0.3796241879463196},{"text":"There's no Yep. limitations. They do have a minimum balance that you have to take. At 60 at the current rate, it starts at 4 percent of your balance. And as you get older, that minimum requirement does increase. And the idea is they want you to be accessing your super when you're in pension phase. Right. Okay. But the Yep. the other benefit to that is that at the moment, whilst you're in that super accumulation phase, your super fund is paying income tax, and it also pays capital gains tax as well. Whereas when you move into that pension phase, your super fund will no longer pay income tax or capital gains tax. So it's a fully tax free kind of system you move into that pension phase, which is kind Mhmm. Right.","start_word":1930,"end_word":2064,"sentiment":"neutral","sentiment_score":0.1935928612947464},{"text":"of cool.","start_word":2065,"end_word":2066,"sentiment":"positive","sentiment_score":0.34057164192199707},{"text":"Yep. Yep. Yeah. Definitely. Yeah. Yeah. So you Did should you have after working your whole life, I guess. absolutely. You pay way too much tax.","start_word":2067,"end_word":2092,"sentiment":"neutral","sentiment_score":0.17005281150341034},{"text":"You should be able to enjoy that money that you worked so hard for.","start_word":2093,"end_word":2106,"sentiment":"positive","sentiment_score":0.4403908550739288},{"text":"When you think about it, your contributions are a portion of your income, and that's Yeah. considered your taxable income. When you look at that, it's factored into your taxable income at tax time. So, Yep. you know, Yep. you you've paid tax on that money when it hits the super system.","start_word":2107,"end_word":2158,"sentiment":"neutral","sentiment_score":0.0885804295539856},{"text":"You've earned that money with your hard work.","start_word":2159,"end_word":2166,"sentiment":"positive","sentiment_score":0.3497570753097534},{"text":"You absolutely deserve to draw it down tax free. Yeah. Yeah. Cool. What's what's Yeah. the income tax percentage at the moment across the board? For super or non super? No. For non super, just for income. Yeah. Yeah. Is it So as a you're yeah. right. So do you mean for, like, the thresholds? Or Yeah. The threshold. Yeah. yeah. So the tax free threshold is 18,200. Anything between 18,200 to 45,000 is currently taxed at 15%. Once you hit that 45,000 up to a 135,000, it's 30%. This is not That including is 30 the percent. Medicare levy. Yeah. Yeah. Well With the Medicare okay. levy, it's 32%. Yep. Yep. And Yeah. then Gotcha. over a 135,000, 37%, and then a 190,000 onwards. We're at 45 with the Medicare Yeah. Wow. levy on top of That's that. pretty So high, isn't it? it is.","start_word":2167,"end_word":2312,"sentiment":"neutral","sentiment_score":0.017686904899214637},{"text":"It absolutely is.","start_word":2313,"end_word":2315,"sentiment":"positive","sentiment_score":0.37283802032470703},{"text":"So when you think Yeah. about the difference, the super the super system is more of a tax advantage system because you the income Yeah. tax inside super for for Yeah. Alright. CGT. Yeah. So Yep. Yep.","start_word":2316,"end_word":2352,"sentiment":"neutral","sentiment_score":0.03744359314441681},{"text":"much more Cool.","start_word":2353,"end_word":2355,"sentiment":"positive","sentiment_score":0.3664601743221283},{"text":"tax advantaged system, that one. Yeah. Yeah. Yeah. My my daughter's living in London at the moment, and she was talking about it the other day saying that our tax is about 30%. I'm like, I don't think it's that much. And she's like, yes. It is, ma'am, because Yep. she works in or she used to work in finance here in Australia. Now Yeah. she's over there, and so she's yeah. Yeah. So she's right. Yeah. Absolutely. No. I Mhmm. definitely agree with that. Well, with the recommendations, as I kinda mentioned, I'm not recommending we take anything out of the investment and deposit to super right now. We'll keep those both separate exactly as they are. It works out to be more advantage for you currently. Okay. Within your super, though, I am recommending we do make a bit of a switch to the investments because having a look at some of the investments, there were some underperforming investments, and it was important to maybe look at removing those. Every Alright. so often, it is important to update the investments that you do have to continue to have them Yep. working harder for you. So Yeah.","start_word":2356,"end_word":2553,"sentiment":"neutral","sentiment_score":-0.03626096248626709},{"text":"Cool. with these switches, I'll go through it simply.","start_word":2554,"end_word":2562,"sentiment":"positive","sentiment_score":0.36660346388816833},{"text":"Let me know if you do have questions. Yep. Yep. But we So are is just that going is to that the mine yeah. so the minus red ones, are they the ones you're talking about changing? Selling? Yeah. Yeah. Yeah.","start_word":2563,"end_word":2603,"sentiment":"neutral","sentiment_score":0.0326118334082932},{"text":"Absolutely.","start_word":2604,"end_word":2604,"sentiment":"positive","sentiment_score":0.3625267744064331},{"text":"Yep. So Okay. we'll be selling off the Ben along Australian Equities, which is an actively managed Australian equity fund. That one Yep.","start_word":2605,"end_word":2627,"sentiment":"neutral","sentiment_score":-0.0008574561798013747},{"text":"has been underperforming, so it is important to remove that out and make sure we replace that with something else.","start_word":2628,"end_word":2647,"sentiment":"negative","sentiment_score":-0.34694814682006836},{"text":"We're Yep. also gonna be removing the battery and lithium tech has done very well, but it there are other things that we can update Mhmm. to create better returns and a lower cost portfolio. The bank hybrids are being fully removed as well, so they are being phased out by the government in the future. So it is important Right. to remove them now whilst we're making other changes. Otherwise, we hold on to them, and then down the track, we'll Mhmm. have to make that change then. So it's always Yep. better to make bigger changes that we know are coming whilst we Yes. are already making changes to your suit for that.","start_word":2648,"end_word":2762,"sentiment":"neutral","sentiment_score":-0.06856116652488708},{"text":"So Before those you three before will you sell lose more money.","start_word":2763,"end_word":2774,"sentiment":"negative","sentiment_score":-0.3549932539463043},{"text":"absolutely. Yeah. Okay. Those three will sell down completely for you. Then we've got Okay. the physical gold. Physical gold has done really, really well. You we wanna Yep. hold about 10% in your portfolio, which is that second last column there. Mhmm. Mhmm. At the moment, you've got about 8.11%. That's in the third column from the front. Yes. So what we Yep. wanna do is we wanna buy a little bit more of that, so we're gonna purchase some more physical gold there for you. Okay. With the cybersecurity, with the portfolio, we only wanna hold about 5%. You're currently weighted at 8.19%, so it means you're selling Okay. a little bit of that off and Mhmm. rebalancing your super back a little bit there. Okay? Mhmm. Mhmm. Yep. With the core composite bonds, bonds are more of a defensive investment. We wanna hold about 14%. With Mhmm. your portfolio, you're in more of that growth environment. So you generally see about 80% of your super in those growth investments, and we wanna Mhmm. hold about 20% in defensive lower risk investments. We're actually gonna hold about 14% there, and we just wanna increase from eight to 14%. So it means buying some more of those for you. Okay? Okay. Okay. Yep. With the s and p 500, we wanna hold about 30%. You're a bit underweighted at the moment with 27.64, so it means purchasing some more of the s and p 500. Mhmm. I know Mhmm. there's been a lot happening this year with the with The US and the Iran war. However, The US is still really great to hold. Okay. This investment actually tracks the S and P 500 index, so it means that you're always tracking the top 500 companies in The US. Mhmm. The maker of the indices or the investment committed of the indices actually meets every quarter as well. So where a company doesn't meet the criteria to be in that s and p 500 index, they are removed. And then Alright. because these other investments are tracking the weighting, they also make those changes following. So it means that Okay. when companies don't meet the criteria, they are removed. That replaces something else. So you're always Yep. tracking the top 500 companies there to make it easier. Okay. Yep.","start_word":2775,"end_word":3164,"sentiment":"neutral","sentiment_score":0.06823040201113774},{"text":"Excellent.","start_word":3165,"end_word":3165,"sentiment":"positive","sentiment_score":0.3437502980232239},{"text":"We've got some VanEck property there at the moment with the newer portfolio. We wanna remove that wholly, so we're gonna sell all of that down. And then we've Mhmm. also got the Raffy a 200. This is tracking some of the top 200 companies on the ASX there. Whilst we do wanna keep Australian exposure, we have that plus the Ben along Australian equities in your older portfolio. We've actually Mhmm. found a way, a much cheaper way to track the top 200 companies, so we are gonna sell Yep. that investment off and replace it with something else for you. Okay? Okay. Yep. We're then also gonna buy into some European exposure and Japanese exposure. You wanna hold 8% Europe and 5% Japan. And then we've Alright. got the Vanguard all world ex US. So this is giving you exposure to the entire globe minus The US, and that's because we have the S and P 500 above there. But one Okay. of the biggest ways that we can ultimately reduce risk is to diversify. So this newer portfolio is giving you more diversification to help lower the market risk as much as possible, whilst Mhmm. tracking all the different markets around the globe for you. So, having Okay.","start_word":3166,"end_word":3376,"sentiment":"neutral","sentiment_score":0.12403836864007028},{"text":"the all world, Vanguard investment is a great way to diversify.","start_word":3377,"end_word":3387,"sentiment":"positive","sentiment_score":0.49047115445137024},{"text":"And then because we're removing that Australian exposure with the Raffy and the BAN along, we're actually gonna put the sorry, the a 200 in there. This is the BetaShares Australia two Mhmm. 100. It's tracking the top 200 companies on the ASX. It's Yep. replacing the other two investments.","start_word":3388,"end_word":3437,"sentiment":"neutral","sentiment_score":0.15592381358146667},{"text":"It actually works out to track much better, but it's Mhmm. also cheaper for your portfolio.","start_word":3438,"end_word":3453,"sentiment":"positive","sentiment_score":0.3545416295528412},{"text":"And one of the things I wanted to look at was how to minimize fees for you to keep more money invested in your super fund working harder for you. Okay? Okay. Yep.","start_word":3454,"end_word":3486,"sentiment":"neutral","sentiment_score":0.213580384850502},{"text":"Excellent. That is a lot.","start_word":3487,"end_word":3491,"sentiment":"positive","sentiment_score":0.5343146324157715},{"text":"Do you have any questions there so far at all? No. I don't think so. It's No. pretty straightforward. So the the Yeah. the shares and things that you're selling are going into the other ones where it's a better green. Correct? Mhmm. Yep. That's correct. Yeah. And that's That is the absolutely that's the perfect. percentage showing. That Yep. is the percentage. Yeah. So at the end, the target balance is how much you should have invested or as close to within those individual investments that we're purchasing into. Yep. Okay. Okay. And, obviously, Excellent. there's lots more than what's listed there, but these are just the ones that are effective now. Yeah? These are the ones that we're gonna be changing within your portfolio. Yeah. Yeah. Yep. Yeah. Yep. Yep.","start_word":3492,"end_word":3623,"sentiment":"neutral","sentiment_score":0.1109379231929779},{"text":"Beautiful.","start_word":3624,"end_word":3624,"sentiment":"positive","sentiment_score":0.602800190448761},{"text":"Okay. And then underneath on the next page there, it does note that at the moment, the cash within your super is sitting at about 186%. Realistically, we wanna have most of your funds invested, so it means investing about a bit over $2,000 there to bring your cash down to 1.25%. We never wanna hold more cash than what we actually need to. Okay. Right. Okay.","start_word":3625,"end_word":3691,"sentiment":"neutral","sentiment_score":0.07057178798896163},{"text":"Excellent.","start_word":3692,"end_word":3692,"sentiment":"positive","sentiment_score":0.5635861158370972},{"text":"If I can get you to scroll down for me to page number 18, I can sort of show you the reason behind why we're making these changes. Mhmm. Yep.","start_word":3693,"end_word":3722,"sentiment":"neutral","sentiment_score":0.20829516649246216},{"text":"Beautiful.","start_word":3723,"end_word":3723,"sentiment":"positive","sentiment_score":0.4280492663383484},{"text":"So And you've got is your is super you're sorry? sorry. Yep. Is hub 24 still the best option for It is. Yeah. me? Definitely. Yep. So it is Yeah.","start_word":3724,"end_word":3753,"sentiment":"neutral","sentiment_score":0.08458517491817474},{"text":"still Cool. a really good really good super fund.","start_word":3754,"end_word":3762,"sentiment":"positive","sentiment_score":0.5747159719467163},{"text":"There are some others out there that may be cheaper in administration fees. Yep. Yep. Okay. The cheapest platforms.","start_word":3763,"end_word":3781,"sentiment":"neutral","sentiment_score":0.19646970927715304},{"text":"It is still a great platform out there, and I'm more than happy to keep it for you.","start_word":3782,"end_word":3799,"sentiment":"positive","sentiment_score":0.6573134064674377},{"text":"There's been no real changes that require it to be reassessed in any Okay. other way, Okay. and I wanted to make sure we could make changes for you, but also make sure we limited any CGT consequences for your super fund as well. Okay. Okay. Cool. Yep.","start_word":3800,"end_word":3847,"sentiment":"neutral","sentiment_score":0.10372409969568253},{"text":"Excellent.","start_word":3848,"end_word":3848,"sentiment":"positive","sentiment_score":0.34608662128448486},{"text":"So, essentially, the first column outlines your hub 20 circuit balance at the moment when we did the research. You've got your administration fees, investment fees, any other fees applicable to the super fund, and your ongoing service fee paid by paid to us at the moment for our services. You've got Mhmm. your contributions going in there, and you don't have any insurances, so no insurance premiums coming out. Mhmm. Underneath that, it notes that you're in that growth environment there. And when we look at your older portfolio over the past five years, it's averaged about 9.12%, which isn't bad in any way, shape, or form, but Yeah. we wanna Considering make sure that you're getting the best. Yeah. considering all the considering the global ups and downs, but I guess Absolute that's usual. Yeah. absolutely. Yeah. So when we look at making the changes above there, we do note that there are CGT consequence consequences within your super fund there. And you'll see Mhmm. the 15 o eight in sorry, 15 o four in the differences column. That's the estimated Okay. CGT consequence for making the changes to your portfolio. We'd expect your super fund to pay $1,504 in capital gains. That then means Okay. the expected starting super balance once we complete the changes around about $336,000.00 5. Underneath that, you've still got your administration fees. They'll stay the same because they're not changing the not changing the platform. But you'll see the investment fees have decreased quite heavily.","start_word":3849,"end_word":4101,"sentiment":"neutral","sentiment_score":0.07726026930121094},{"text":"So the newer portfolio for the first year is expected to save about $725. So that's a pretty decent saving in investment fees to have a cheaper portfolio there for Mhmm.","start_word":4102,"end_word":4132,"sentiment":"positive","sentiment_score":0.4852787852287293},{"text":"Okay.","start_word":4133,"end_word":4133,"sentiment":"neutral","sentiment_score":0.28580769896507263},{"text":"you. Cool.","start_word":4134,"end_word":4135,"sentiment":"positive","sentiment_score":0.40752357244491577},{"text":"Yeah. Underneath that, any other fees applicable are absolutely the same. Your ongoing service fee is the same because the service fee put in place was a dollar figure fee, and then your contributions will continue to go in, so no change there. Below Okay. that, you'll see the growth portfolio, the newer portfolio. When we look at the past returns and how this has performed over the same five year period, it has actually provided a greater return. And, essentially, what we wanna look at by utilizing past data is over the past five years, has a Mhmm. portfolio or an investment, how has that performed? And that gives us an idea of what we can expect in the future given the same market conditions. Admittedly, over the past five years, we've seen quite a lot of ups and downs in the market. It hasn't been Yeah. smooth sailing. Yep. So we can sort of see that with this newer portfolio. Yep. With the past five years, it has averaged about 11.57%.","start_word":4136,"end_word":4308,"sentiment":"neutral","sentiment_score":0.13399626314640045},{"text":"So we know in the future, it it has the potential to achieve this sort of return moving forward as well.","start_word":4309,"end_word":4329,"sentiment":"positive","sentiment_score":0.4626297950744629},{"text":"Okay. I'm always realistic, and I know I don't expect you to get 11.57% every single year, but it's sort of showing you the average. One year, you might get 15%, 20%. Another year, it might be a five or 6%, but Yeah. that's sort of looking at the average over the Yep. past five years. Okay. Yep.","start_word":4330,"end_word":4387,"sentiment":"neutral","sentiment_score":0.049932449734930336},{"text":"No worries. Excellent. And if it is able to obtain the same level of return as has in the past, over the next five to ten years, underneath, you can see the projected outcome there.","start_word":4388,"end_word":4422,"sentiment":"positive","sentiment_score":0.4030401110649109},{"text":"So we Mhmm. can sort of see that if it's able to generate the same sort of performance as well as the fee savings, we can end up within five years a bit over 510,000 or at age 65, around about 713,000 there. Okay. I am realistic. And when you retire at age 65, I would not want you to be in this growth environment. So there is a chance that prior to age 65, I wanna look at reducing a risk level Yes. Yep. with Yep. this sort of portfolio. When you sort of look at risk out of, say, a number of things one and five, you're sitting at about a three there. That's not bad, but A this trade. sort of Did portfolio you say? yeah. Yep. Yeah. Sort A trade. of middle Okay. range. This sort of a portfolio suits someone who has at least six years before they're accessing their super or their funds. Okay. When you are sort of closer to accessing, I would like to reduce the exposure a little bit, having Yep. this sort of portfolio. Whilst you're in the middle range, there has the potential to see a negative return one in every five years. So if you are sort of six years out, I wouldn't want you to see a negative return just before you're wanting to access your super. Right. Yeah. So Yeah. Yeah. we Yeah. do start Yep. to reduce that risk level incrementally as you get closer to accessing your super. Okay? Okay. Yep.","start_word":4423,"end_word":4679,"sentiment":"neutral","sentiment_score":0.014918714761734009},{"text":"Excellent.","start_word":4680,"end_word":4680,"sentiment":"positive","sentiment_score":0.4370211362838745},{"text":"The next page down just shows you the annual returns as of between the current and recommended portfolios as they have gone over the past twelve months, three years, five years, and ten years. We just note that in there for you. Okay? Okay.","start_word":4681,"end_word":4724,"sentiment":"neutral","sentiment_score":0.14935079216957092},{"text":"Cool. Excellent. Looks good.","start_word":4725,"end_word":4728,"sentiment":"positive","sentiment_score":0.49817246198654175},{"text":"The the following page gives you a bit of an idea of where we're tracking for. So so long as that we can get, obviously, what's above in the the top sort of column there, when we sort of look at where you're at, what your assets look like over the course of time, this is depending this is showing if you're eligible for age pension as well to sort of supplement when we get to that point, and we'll definitely look at it closer too. But when Mhmm. you sort of get there, looking at your circumstances, you should be able to draw down the income that you're after on a fortnightly basis. Basis. And if we're able to offset that with Centrelink, then we should be able to get you super lasting till around about age 90. This is just giving Okay. you a really good overview of where we're tracking for currently. However, this will be looked at in a lot more detail as we get closer. There's other detail as we get closer. There's other strategies that we can put in place to assist you as well, Mhmm. and then we'll kind of keep tracking and looking at how this looks. And when you actually get to the time and start to draw down an income, then we can look at a lot more detail exactly how long that's expected to last for you. Okay? Mhmm. Okay. Yep.","start_word":4729,"end_word":4970,"sentiment":"neutral","sentiment_score":0.11324501037597656},{"text":"Excellent. Beautiful.","start_word":4971,"end_word":4972,"sentiment":"positive","sentiment_score":0.614612877368927},{"text":"The next page down is essentially going through the investment changes with regard to your your personal investment Mhmm. If you can scroll down for me to page number 25, this is running through those.","start_word":4973,"end_word":5007,"sentiment":"neutral","sentiment_score":0.07332611083984375},{"text":"Beautiful.","start_word":5008,"end_word":5008,"sentiment":"positive","sentiment_score":0.36201515793800354},{"text":"Now I will note you'll probably note that the investment changes are slightly different to what we Yep. had recommended with super. So Yeah. because of the the different tax consequences to your personal investment account, I tried to limit the CGT consequences as much as possible. And Okay. with the balance in your investment account being much higher, smaller returns do make a greater difference to growth and income within the fund there. So the Okay. portfolio I'm recommending is different just because the the CGT isn't within the fund. It's more affecting your personal. So Okay. I'll go through this, and then I'll show you what is sort of looking at. Sorry. Yep. With the Benelon Australian Equities, again, we are removing that wholly. We don't wanna keep that in the fund regardless of, you know, the consequences that is down, and it is definitely worth removing completely Yep. for you. With the battery and lithium tech, we are looking to keep that within the fund. Look, it hasn't done too bad at all.","start_word":5009,"end_word":5184,"sentiment":"neutral","sentiment_score":-0.0878558624535799},{"text":"It's not performing at the moment.","start_word":5185,"end_word":5190,"sentiment":"negative","sentiment_score":-0.411342978477478},{"text":"If there's a need to remove it in the future, we will. But there was no need to sell it completely out of this portfolio. So I am just reweighting this one and reducing Okay. the exposure to 7% for you. Okay. Okay? Yep. Yep. With the bank hybrids, again, these ones are actually being phased out by the government. So we are removing them completely from your portfolio, and we'll replace Mhmm. them with something different. Physical gold, you're a little bit overweight, and you've had some really good growth there, so we're just reducing your exposure to 6% and selling some of that off. Yep. With the cybersecurity, again, we're just reweighting and reducing the exposure from 8% to 7%. I'm just kind of rebalancing it back a little bit for you because you've got a bit more exposure than required. Mhmm. And Mhmm. then because the bank hybrids are being removed, we're still replacing that with core composite bonds. With this one, we're gonna hold about 20% of core composite funds. So Mhmm. just increasing your exposure there. This portfolio is also within that growth area, but we're able to increase this exposure to 20% there for you. Okay? Okay. The s and p 500, again, we wanna hold some of that. This portfolio, we just wanna hold about 25%. It is slightly different to the super portfolio because this is more of your older portfolio just trying to make slight changes In Mhmm. your older portfolio, it was recommended about 25 of the s and p 500. So we just wanna rebalance that back for you. I didn't Mhmm. wanna kind of increase it to 30% to sort of make two bigger changes because it meant selling off too much of something else, which has more Okay. of a tax consequence for you. So Yep. we'll Yep. just try to minimize the effect on yourself for this one and keep it Yeah.","start_word":5191,"end_word":5516,"sentiment":"neutral","sentiment_score":0.026580540623310153},{"text":"at 25%, which is still performing quite nicely as well.","start_word":5517,"end_word":5526,"sentiment":"positive","sentiment_score":0.4356631934642792},{"text":"Okay.","start_word":5527,"end_word":5527,"sentiment":"neutral","sentiment_score":0.2692088484764099},{"text":"Cool.","start_word":5528,"end_word":5528,"sentiment":"positive","sentiment_score":0.3747133016586304},{"text":"With the VanEck property, in this personal investment option, we're just gonna reweight increase the exposure to 5%. We are selling VanEck in super. Property hasn't done bad in any way, shape, or form.","start_word":5529,"end_word":5562,"sentiment":"neutral","sentiment_score":0.20481815934181213},{"text":"Within super, it's just the whole overall newer portfolio works better for you.","start_word":5563,"end_word":5575,"sentiment":"positive","sentiment_score":0.3842367231845856},{"text":"However, Mhmm. in this with this older portfolio, it's still performing quite well. I'll watch it to make sure that if there's any need we need to remove it, that we will. But I as Mhmm. I said, I just wanted to limit the tax consequences with this one. I opted to change minimal investments to make it work better and also just rebalance the other investments for you to make sure you're not overweighted in any way. Okay? Mhmm. Okay. So we've got 4.3% there. We wanna hold about 5%. So we're just gonna buy a bit more of the Verdeck property there. We do have the Raffy 200 in here. We can't sell all of that because it was gonna be too much of a tax effect there. So I'm keeping a weighting of 15%. And because realistically, we want we wanna hold about 30% in Australian equities, but also then gonna increase or add the a 200 to 15% as well. That way, you hold 30% of Australian equities, and it's balanced Okay. between the a 200, which replaces a ban along Australian equities, but it's Yes. also offsetting the Raffy there for you as well. So we didn't have to sell too much of the Raffy in your own personal portfolio. Okay. Okay.","start_word":5576,"end_word":5792,"sentiment":"neutral","sentiment_score":0.11127406358718872},{"text":"Cool. Excellent.","start_word":5793,"end_word":5794,"sentiment":"positive","sentiment_score":0.37192362546920776},{"text":"At the moment within your investment account, you're a little bit underweighted in cash. So you've got about 5,349 in cash there. To hold the Mhmm. 1.25% we need, we need to make sure we hold a bit more cash. So we're just gonna add about 1,900 in cash there so Yep. that your minimum cash balance is at 7,283, which is the minimum required for the investment account within the hub 24 there. Okay. Okay. Yep. Yep.","start_word":5795,"end_word":5872,"sentiment":"neutral","sentiment_score":0.006014590844129905},{"text":"Excellent.","start_word":5873,"end_word":5873,"sentiment":"positive","sentiment_score":0.6672338843345642},{"text":"If you get under page 28 for me, this shows you the difference. Mhmm.","start_word":5874,"end_word":5887,"sentiment":"neutral","sentiment_score":0.26866215467453003},{"text":"Perfect. Your balance within that investment account is about $5.","start_word":5888,"end_word":5897,"sentiment":"positive","sentiment_score":0.4284058809280395},{"text":"82 and 61. In underneath that, again, we've got the admin fees, investment fees noted, any other fees applicable, the ongoing service fee for us. There's no additional Mhmm.","start_word":5897,"end_word":5925,"sentiment":"neutral","sentiment_score":0.2552107572555542},{"text":"contributions going in regularly here at the moment and no insurance premiums being deducted, which is great.","start_word":5926,"end_word":5942,"sentiment":"positive","sentiment_score":0.4309411942958832},{"text":"Okay. You are in that growth environment there. And, again, the older portfolio has kinda averaged about 9.12%. When we sort of look at the CGT consequences, now Hub twenty four actually note the CGT consequences at 47%. So it's kind of overestimated because we're Go not ahead. able to put your your personal tax percentage in there. But, essentially, what'll happen is at the end of the financial year, they provide us a a investment kind of tax statement for you, Summary? which you take Yep. into Yep. account. Yeah. Yep. And in Yep. there, it'll note the CGT for the changes. But we noted that when we completed the looked at completing the switch to kinda minimize it as much as possible, the expected Mhmm. CGT consequences sitting at $805. So we wanted Okay. to actually limit to that as much as possible. Admittedly, Yep. CGT is always dependent upon what happens. So depending on how markets react between now to when you sign the document to when we get the switch completed, the CGT Yep. could be minimized a little bit more. So it just depends Okay. upon how long it actually goes, but this is an estimate based on 47%. Your tax rate on your income is lower than that, so your CGT estimate should be Yep. slightly lower, but we wanted Mhmm. to make that overestimated for you for this document so you can see the difference in the expected balance. Okay. Cool. Okay?","start_word":5943,"end_word":6191,"sentiment":"neutral","sentiment_score":-0.01827744290561801},{"text":"Excellent.","start_word":6192,"end_word":6192,"sentiment":"positive","sentiment_score":0.524372935295105},{"text":"Can I just ask it's it's Yeah. probably Of course. a silly question, but No. Never. does any of this affect my do I have to pay, you know, pay tax at the end of the financial year with any of all these changes happening? Does it affect any of that? With your personal investment account, you'll get Yes. the CGT will be accounted into your So end that's of what you are financial just saying. year Yep. tax. Yeah. Yep. Correct. And that will be part of your tax statement. There is Yes. a chance it could be offset by dividends and other things that are coming in, Yes. Okay. but Got this is you. just the estimated CGT that would be expected that you might have to add to your income for Yep. Okay. the changes there. So, yeah, that that is Yep. something. Yeah. It's only for the personal investment account, not for the super. The super CGT Yeah. Yeah. Yeah. is all dealt with inside the super system. Okay? Yep. Yep. Yep. Yep. Gotcha. Beautiful. Yep. I thought when I did this, I thought that one of the things you'll probably notice is the difference in the two portfolios because super is very much different to your personal. Yeah. I It wanted is. to make Yeah. sure it's working harder for you, that you're getting good returns, that you're paying lower fees, but I wanted to try and minimize the tax consequences for you because Yeah. Yeah. you've had Great.","start_word":6193,"end_word":6446,"sentiment":"neutral","sentiment_score":0.015008277259767056},{"text":"really great growth in that investment account.","start_word":6447,"end_word":6453,"sentiment":"positive","sentiment_score":0.3966517150402069},{"text":"Yeah. But when I looked at the total, I looked at selling down a you know, I think it was the 390,000, the 3 Yep. 100,000, all the different options there, but the tax consequences were within the thousand. So it Yeah. was Okay. not worthwhile doing in any way, shape, or form, which is a benefit because it means that you've got really good growth in the portfolio. It's been working quite well. So Mhmm. we just wanna Mhmm. continue that essentially. Essentially. Yeah. Yeah. Yeah.","start_word":6454,"end_word":6540,"sentiment":"neutral","sentiment_score":-0.005808153093375009},{"text":"Definitely.","start_word":6541,"end_word":6541,"sentiment":"positive","sentiment_score":0.3602750301361084},{"text":"Yeah. Okay. Yeah.","start_word":6542,"end_word":6544,"sentiment":"neutral","sentiment_score":0.25739091634750366},{"text":"Good. Excellent.","start_word":6545,"end_word":6546,"sentiment":"positive","sentiment_score":0.646064817905426},{"text":"Now you'll see there's no difference to the admin fees there. However, the investment fees do change. So we this newer this newer portfolio with the changes that we are making is estimated Mhmm. to reduce your investment fees by $901 for the year.","start_word":6547,"end_word":6590,"sentiment":"neutral","sentiment_score":0.18156732618808744},{"text":"So that is a good advantage for you.","start_word":6591,"end_word":6598,"sentiment":"positive","sentiment_score":0.6044045686721802},{"text":"No change there to the other fees or the ongoing service fee. At the moment, you're paying a set dollar figure fee. When Yep. you're adding review or when everything sort of comes up for renewal in October, we'll touch base then, look at how things are going, and Mhmm. we'll also then talk about the fee structure and how that looks for you moving forward. Okay? Okay.","start_word":6599,"end_word":6666,"sentiment":"neutral","sentiment_score":0.08764021098613739},{"text":"Great. Yep. Excellent. Mhmm. We'll keep you in that growth environment as well. However, making the changes does show that the newer version of the portfolio has performed greater.","start_word":6667,"end_word":6695,"sentiment":"positive","sentiment_score":0.3764490783214569},{"text":"So over the past five years, it's averaged about 10.70%. So if Mhmm.","start_word":6696,"end_word":6708,"sentiment":"neutral","sentiment_score":0.30773648619651794},{"text":"we're able to achieve that moving forward over the next five to ten years, your investment could go up to 800,000 or a little over 1,000,000 in ten years' time. So love to see that happening for you, and we'll just make sure we review things to keep you on track and make changes Yep.","start_word":6709,"end_word":6763,"sentiment":"positive","sentiment_score":0.4025231599807739},{"text":"where we need to as well. Okay. Okay. Cool. Yep.","start_word":6764,"end_word":6773,"sentiment":"neutral","sentiment_score":0.17535465955734253},{"text":"Excellent. All good.","start_word":6774,"end_word":6776,"sentiment":"positive","sentiment_score":0.501032292842865},{"text":"The only other part of the recommendation to let you know about is the beneficiary side of things. So at the moment in your super, Mhmm. the beneficiary nomination is set up to each of your children at 50% each. Absolutely Yes. fine. However, because neither of them are a tax dependent, in the event of you passing away, your super benefit paid out to each of them means that they do pay, tax from the taxable component there. One of the things Yep. that you and I talked about was trying to limit that tax consequence on your kids. And because one Yeah. of your children actually lives in The UK, it is better to structure your beneficiary nomination so that it's paid to your will. That means in the event that you pass away, your Mhmm.","start_word":6777,"end_word":6914,"sentiment":"neutral","sentiment_score":0.03567007556557655},{"text":"super benefit is paid to your estate, lumped in with everything else, and then it is paid out to your beneficiaries. It makes Right. it a much easier way. That way your daughter in The UK can access that with everything else depending on how her everything's set up, whether she chooses to keep it here at a bank account or transfer it over.","start_word":6915,"end_word":6978,"sentiment":"positive","sentiment_score":0.46416687965393066},{"text":"Mhmm. Yep. It is Yep. better Yep. to do it through your state, but it also limits the amount of tax payable as well. So it Okay. it does essentially mean that the benefit the taxable component when paid to beneficiaries, they don't have to pay the Medicare levy.","start_word":6979,"end_word":7027,"sentiment":"neutral","sentiment_score":0.16263650357723236},{"text":"Yep. It just sort of reduces the tax that they would have to pay. It's only a little bit, but, you know, reducing taxes is a good thing.","start_word":7028,"end_word":7055,"sentiment":"positive","sentiment_score":0.5189130902290344},{"text":"I don't agree on tax on death benefits, but, unfortunately, we don't really have a choice.","start_word":7056,"end_word":7071,"sentiment":"neutral","sentiment_score":-0.14480546116828918},{"text":"So where Yep. we can minimize the tax and maximize the benefit to our beneficiaries is always a positive thing.","start_word":7072,"end_word":7091,"sentiment":"positive","sentiment_score":0.5388776063919067},{"text":"Does that make sense? Yeah. Yeah. Yeah. Yeah. Yep.","start_word":7092,"end_word":7100,"sentiment":"neutral","sentiment_score":0.1913171112537384},{"text":"All good.","start_word":7101,"end_word":7102,"sentiment":"positive","sentiment_score":0.3428816497325897},{"text":"Nomination called legal personal representative. We Mhmm. just tick that box. That essentially gets added to your super fund, and it means that in the event of passing, the fund goes through and does the claim, and they see that we've nominated your will or your estate through the legal personal representative nomination, and then they will pay everything to Yep. your estate, and it will all get debited as per your will. So it is really important that you do have an up to date will that reflects your wishes and have that reviewed by a lawyer on a regular basis to make sure that that is reflective. The Yep. same sort of thing does go through your investment account as well because we don't make beneficiary nominations on the investment. That is an automatic estate asset. So having a will to reflect how you want your investment proceeds also paid out to whom and in what percentage is really important to make sure that the amount does get to where you want it to go without Right. having a will and power of attorney that reflects your wishes means that it all goes through probate. A probate is a legal costly process where a judge Yeah. gets Yeah. to Yeah. make a decision, and it's Yep.","start_word":7103,"end_word":7320,"sentiment":"neutral","sentiment_score":0.08466602260366492},{"text":"not preferable to anyone.","start_word":7321,"end_word":7324,"sentiment":"negative","sentiment_score":-0.3570532202720642},{"text":"And you've also got your business. You've worked really hard. You've built everything up. So Yep. protecting those wishes and having an up to date will is really important to reflect your circumstances. Okay? Yep. No worries.","start_word":7325,"end_word":7361,"sentiment":"neutral","sentiment_score":0.22376035153865817},{"text":"All good. Excellent.","start_word":7362,"end_word":7364,"sentiment":"positive","sentiment_score":0.544913649559021},{"text":"I'm sorry. That is a lot. I know it's a lot, but do you have any questions at the moment? No. I don't think so. So you just said if I change this, which is great Mhmm. with the with the, yeah, non bind the binding non lapsing, do I have to change the will to stipulate that, or Yep. is it yeah. It should be reflective. So you do wanna make sure Yeah. that you speak to a solicitor and make sure your will is reflective. Normally, in the body of the will, you just wanna make sure everything is correct. But, normally, a solicitor will talk to you about incorporating the super assets and just noting that, you know, your super assets are to be incorporated into your estate and how you would like that split, whether you want your investment split one way, your super split Mhmm. another way, or whether you want everything lumped together and split out. You can also have trust set up and have, Yep. you know, income paid out to people at certain times of the year or at certain ages. There's Yep. lots of different Okay. ways that you can do that. So it is just worth speaking to a solicitor and having everything set up correctly, but also factoring Yep. in your business and making sure that your business is all sort of covered in there as well, the proceeds and what you want to happen to that and all Okay. the all the Yeah. bits Yeah. and Yeah. pieces. Yeah. Okay. No worries. Oh, what? Easy.","start_word":7365,"end_word":7631,"sentiment":"neutral","sentiment_score":0.07016734033823013},{"text":"All good.","start_word":7632,"end_word":7633,"sentiment":"positive","sentiment_score":0.476889967918396},{"text":"I'll let you go back and have a really good read of the document as I said I've outlined. All of the all the advantages, disadvantages, and risks involved, any alternatives that we've considered as well. We do also have the fees noted in there. You're paying us that ongoing service fee as a dollar figure split between the super and the investment there. That's not to change, Yep. and we'll catch up in October when there is time to review that and update that for the next twelve months. And then depending on how much you like reading, I've also got the hub 24 PDFs attached with the investment and the super side of things. And I've also got Okay. our ongoing service sorry. Our financial services guide as that has been updated recently as well. So you're welcome to run your eyes over that and look at any major Okay. changes with our ads as well. Okay?","start_word":7634,"end_word":7792,"sentiment":"neutral","sentiment_score":0.10800445136034265},{"text":"Excellent. Feel free to have a read. Let me know if there are any questions. And if you decide you're happy to take on the advice and move forward, we'll just get you to sign and return that back.","start_word":7793,"end_word":7831,"sentiment":"positive","sentiment_score":0.42742517590522766},{"text":"If any Okay. questions come out, I always just say there's no such thing as a silly question.","start_word":7832,"end_word":7849,"sentiment":"neutral","sentiment_score":0.04551231861114502},{"text":"If it's something that you would like to know, you're welcome to let me know, and I'm more than happy to answer it for you.","start_word":7850,"end_word":7874,"sentiment":"positive","sentiment_score":0.42864561080932617},{"text":"Okay. Okay? Sure. So I just pretty Oh, much, good. when I'm ready, just sign page 38. Is that right? And date That's it. correct. Yeah. It's You it's just just click the on the one button. one signature. Yeah. Yep. Okay. Absolutely. Yeah. Yep. And then it should automatically date it. There is a multiline there. So if there's any section of advice or anything you wanna change, you're welcome to make a note in there. That's not Okay. normally mandatory. But if it won't let you pass without putting something in that box, just put NA if you're happy with all the recommendations. Okay. Yep. If there's something you wanna change or alter, you can write a little note in Okay. No worries. there as well. Okay.","start_word":7875,"end_word":8003,"sentiment":"neutral","sentiment_score":0.10486092418432236},{"text":"Excellent.","start_word":8004,"end_word":8004,"sentiment":"positive","sentiment_score":0.3563123941421509},{"text":"So so then as soon as you get this back, Yeah. you pretty much take make the changes that you discussed in the Yeah. super and the investment. Yep. Yeah. So we'll Sell it said sell to it's off gonna and be buy. takes yeah. Yep. Correct. So we start to submit those changes. You might receive emails in the back end to show that we're buying and selling bits and pieces. It can take anywhere up to a couple of weeks to complete the changes. Selling Ben along is Right. a bit of a process because it's a managed Right. fund and it is harder to sell. But Yep. majority investors can all be switched within about a week. It's just Benelon can take a little bit longer. So we start that process nice and quick and get it over and done with as quickly as possible for you. Yep. Okay. Okay. No worries.","start_word":8005,"end_word":8159,"sentiment":"neutral","sentiment_score":0.08612707377441468},{"text":"Excellent. Well, I might All just good.","start_word":8160,"end_word":8166,"sentiment":"positive","sentiment_score":0.38663116097450256},{"text":"I might just sign it now while I've got Yeah. time.","start_word":8167,"end_word":8177,"sentiment":"neutral","sentiment_score":0.17761895060539246},{"text":"Just That's get absolutely it done. fine. That's absolutely fine. It's been a pleasure to put this together, and I really enjoyed putting the research together for you as well. So, you know, if there's ever any questions or anything else comes up, please let us know, and I'll definitely make sure we catch up in October to see how things are going, review everything, and I look forward Mhmm. to what we can help you with next year as well.","start_word":8178,"end_word":8258,"sentiment":"positive","sentiment_score":0.5911500453948975},{"text":"Yeah.","start_word":8259,"end_word":8259,"sentiment":"neutral","sentiment_score":0.29372334480285645},{"text":"Easy.","start_word":8260,"end_word":8260,"sentiment":"positive","sentiment_score":0.3762533664703369},{"text":"Cool. So do I do I just so I'll sign it. Is there a submit button or do I save it? Or Once you press sign and it puts your your signature in there, then yep. the date should automatically come up. If it doesn't, Yep. just press on the date, and Yeah. it should Now happen. it has. And then at Yeah. It's come up. Yep. at the bottom, there should be another box that's appeared. It should say continue or next or finalized. Next. Got you. Yep. Next. Perfect. So, actually, the the text. Yep. The So text just box. yeah. Yeah. If Not there's a nothing, physical. you can just put NA. Yeah. Yep. And then it should say next or finalized or complete. Okay. Next document. Okay. Yep. Cool. And then it's just yep. Perfect. Next document. I am in the financial guide. Send Shouldn't it let completed. you go through Yeah. that one. It's it's There shouldn't be a signature required there. yeah. No. It's validating and sending, so that should be alright. Yep.","start_word":8261,"end_word":8439,"sentiment":"neutral","sentiment_score":0.05230046159395293},{"text":"Perfect.","start_word":8440,"end_word":8440,"sentiment":"positive","sentiment_score":0.5773118734359741},{"text":"And then it Okay. will just email us once it's all done, and you'll get an email copy as well. And we can always download and resend them to you if you ever need a copy at any point in time. Okay. Okay.","start_word":8441,"end_word":8483,"sentiment":"neutral","sentiment_score":0.2150092571973801},{"text":"Cool. Sounds good. Alright. Wonderful. Well, thank you very much for that. Not a problem at all. Thank you Well so done. much for your time. I hope you have a lovely Yes. Will do. Thank you so much.","start_word":8484,"end_word":8522,"sentiment":"positive","sentiment_score":0.7000763416290283},{"text":"afternoon.","start_word":8523,"end_word":8523,"sentiment":"neutral","sentiment_score":0.2283153533935547},{"text":"My See pleasure. Thanks, Bronwyn.","start_word":8524,"end_word":8528,"sentiment":"positive","sentiment_score":0.44611334800720215},{"text":"you. See you See later. you later. Bye. Bye. Bye.","start_word":8529,"end_word":8538,"sentiment":"neutral","sentiment_score":0.16964170336723328}],"average":{"sentiment":"neutral","sentiment_score":0.10328911144446158}}}}