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I had you both in just to kind of go through the rest of the the recommendations. Do you guys still have time this morning? Yes. Perfect. Now because we already have gone through a bit. Hopefully, I won't keep you guys for too long this morning. But before I do kind of jump in, I do need to let you both know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just as per last time, just for security purposes so that I can confirm I am speaking with the right people, could you just confirm full name, date of birth, and address, please? Yep. Yep. Yep. Perfect. And have you guys had a chance to look through anything or or not really? Okay. No. Yep. No. That's all good. So what I will do today is just kind of briefly go through the rest of the recommendations with you guys. And then afterwards, you still have obviously some time to have a read over everything and decide what you would like to do. And if you do have any further questions, we can always book in for another catch up. But do you guys have access to your emails again for that document? Just one of you is fine. Yep. Now yeah. Perfect. Now if you can jump into the document and scroll down to page let me see here. 23. That's kind of where we stopped last time. Perfect. So we basically have touched on, obviously, Quinn's recommendation for superannuation. Then the next thing we were going to focus on is obviously the different contribution ways of trying to make things as tax effective for both of you, but also making sure that we are boosting both of your superannuation, but basically in the most tax effective way. Now one of the recommendations I have made for Quinn was when it comes to making those additional contributions. You mentioned when we did the, the first conversation that you were willing to put potentially a little bit into your if it was going to be the best for you. But, obviously, with the income that you are on at the moment, doing it through salary sacrifice is not the most tax effective way because you are on, a very low income from that point, so the tax savings won't be as great. So what I have recommended instead, it is a little bit different. It is called a government co contribution. So if you did have a chance to have a read through the document, but, basically, what it is, it is a scheme where the government are basically having a strategy in place to help low and middle income earners boost their super. So how it works is that if you make a after tax contribution, so let's say just from your bank account into superannuation, the government make an additional contributions themselves to help boost that for you. Now how it is is that they will do a maximum of $500 if you are eligible. The eligibility criteria for this new financial year is that your income to get the full of 5 100, your income has to be under 49,293. Now it is something that you can make at the end of this financial year. So it's not something you have to decide now even, and you can obviously see how, obviously, the business and and everything else is going. And then if it is that you are under that threshold, obviously, given we have rolled over to a new financial year, it is something that you can decide closer to the end of this financial year to make sure you're still eligible because, obviously, things can change in the meantime. So how it works is that if you put in a thousand dollars yourself, but from your bank account, the government will match 500 dollars. That's probably, like, the most tax effective way. You can obviously put more in, but the max they will do is 500. So by putting thousand in, they will put 500 and match it themselves, which is a really good incentive. Does that make sense? Yep. Perfect. Now it is pretty straightforward. In the strategy paper, I have outlined some advantages in regards to it. It is the most tax effective way where they literally just match 500. You don't have to pay tax on it or anything like that. They just put that in to help boost your superannuation. This advantage, obviously, is that you will have a thousand dollars less in your cash account if something, you know, were to happen, and it is locked in until you meet a condition of a lease. So, obviously, make sure you don't need that thousand dollars if something were to happen. Yep. One of the risk is that there can obviously be changes to superannuation and tax legislation if something were to happen, but, also, obviously, your income will be the biggest change. So, obviously, keep an eye on it if it was something you wanted to to do sooner. Obviously, the the sooner you put the money in, the longer it will compound and be invested for you. But, also, just be mindful that if your income does exceed a lot this year, that you may not be eligible for it. Yeah. Does that make sense? Perfect. And now other alternatives like I mentioned, I did consider, obviously, salary sacrifice wasn't very tax effective for you or even just making personal contributions, claiming an NOI on that. But, again, because of your income, it's not the most tax effective. The the kind of highest return rate is this government co contribution strategy. So it is pretty straightforward. Yep. Any questions before I move on to the next contribution strategy? It'll auto Correct. So what you'll do is you'll just put a thousand dollars in, and then the government will automatically put it into your superannuation When you do, like, your tax return and everything and they see that you are a lower middle middle income earner, you have made that contribution. So you don't have to do anything. They will just put that in automatically. Yep. Any other questions? No. Perfect. Now the the next strategy I have done is on page 26. So this is kind of a little bit like we were touching on for both of you guys when it comes to different spousal contribution strategies. So, essentially, there are two ways you can make spousal contributions. One is what I have recommended, and the other one is that contribution splitting. Now I think that was kind of what we were touching on first, Alan, and I think that is something you touched on with my sorry. Do you guys hear my dog? Yes. Sorry. I'm just working from home today, and it's just a delivery. So I'll just let her outside because she sounds aggressive, but she's harmless. She's a little loud. So apologies for that. Now like I said, there are two different contributions for spousal. So there's spousal splitting, which is basically where Alan decides to give up a portion of his contributions going into Quinn's superannuation. It was something I did consider, but for, like, a overall situation, it wasn't the most tax effective, and that is essentially because Alan is already above the concessional contribution cap. Now to make it very tax effective, it would be if Alan was quite below the contribution cap, then Alan's salary sacrificing into his superannuation because he is on a high tax bracket, splitting some of those contribution with UQIN would be the most tax effective. But because of, obviously, Alan being receiving quite a lot of contributions already through superannuation and, obviously, the salary sacrifice you are doing and kind of exceeding that cap space, it wasn't as effective. So what I have recommended instead, it is something that's called spousal contribution. So it's not where Alan touches any of his contributions himself, instead makes an additional contribution. Now how it works is if Alan decides to put in $3,000 into Queen's Super, and, again, this is after tax contribution. So it can be from your your bank account or anything like that, puts it into Queen's Superannuation. Because of it, he can get a tax offset of 18% of the contributions made, which equates to about $540 per financial year. Does that make sense? Yeah. And, obviously, tax offset can be a little bit more beneficial than, like, a tax deduction deduction because the tax offset is essentially where you deduct directly from the final amount of your tax. So it's basically a dollar for dollar discount. So it is pretty good. So it is a way where Queen, you can pour a little bit more into super. At the same time, Alan will get that tax offset. So kind of factoring in for both of you, it was the most tax effective way in making sure that we've boost Queen's superannuation while also giving Alan a little bit of that tax offset given he is on the highest income. Does that make sense? Yep. But, again, these are just recommendations in trying to boost super for for both of you while also making it tax effective. Like I said last time, it is completely up to you whether you wanted to do all of these contribution strategies or just one or see how you go. And, again, it does depend on, Quinn's income at the end of the financial year. So if it is something that you just wanna hold off, see whatever happens, because obviously, just rolled into that new financial year, so there's obviously a bit of time where things can change. It is completely up to you guys. It's not something you even have to decide what if you wanted to do now or not. Mhmm. Yes. Yes. Correct. Yeah. So if it was that you did it last financial year, they would have then put it in. But because they have rolled into a new financial year, it has to be done the the contribution has to be made that financial year. Correct. Yes. Yep. So, obviously, time was a bit crunch time getting so close to the end of this money into a year. But even if it was that we did it, let's say, last week, obviously, opening up accounts and doing everything with the money would have been really crunch time because, also, with the super funds and the administration process, it can take a little bit for things to get into place as well. Yep. But this is also something that if your situation, Quinn, stays the same for a couple of years, it is something you can do each financial year as well. But, obviously, it is something that I recommend we reassess as we go. Obviously, if your situation changed, then, obviously, the business is making a lot more money and you decide to obviously draw an income a lot more, other investments are making obviously money, then it is something we should reassess just to make sure it still aligns with both of you. Yes. Any questions about that? Oh, that's pretty straightforward as well. So he would just have to put it in, essentially. Whether that come from a joint bank account or not, it doesn't really matter as long as he's the one making that contribution, and we would then assist with all the administrative side of it. So whether that is actually from Queen, let's say, you transfer money into your joint bank account, as long as it is a bank account, obviously, that Alan is also part of, and then Alan makes it that way, there's no way of them, obviously, knowing if you transferred, let's say, 3,000 into your joint account and then Alan made it that way. As long as it's kind of registered that Alan made the contribution. But we can also assist with how to do it. So there are when you are doing it with hub twenty four, for example, they have a lot of different codes depending on how you want to put it in. And that's where we would then obviously assist with directing, okay, use this code or here's the form to do it this way. So make sure it then gets, like, added into the the correct way of doing it. Because there's a lot of different type of contributions you can make, and it does make it a little bit tricky as well. But that is something that we would assist. Yep. Correct. Yes. Yeah. Not just, okay. Off you go. And then you could do it a different way. No. We would help through all of all of that. But it is a good question, though. Now, again, very similar, obviously, when it comes to advantages disadvantages and risk. Obviously, an advantage is that it will help boost quince your preannuation. Again, give Alan that tax offset, which is great. Obviously, disadvantage, you will have $3,000 less in cash if something were to happen. It is locked in till contribution sorry. It is locked in until you make additional release again. Similar risk, obviously, if Queen's income just increases a lot this financial year, that could obviously change thing. Also, future changes in legislation. Often often, they do make the changes at their financial year, though, and because they've kind of already have set them. But, obviously, it is something that can always change. So something to be mindful of. Yep. Now any other questions before I move on to Alan's superannuation? Nope. Yep. Perfect. Now I have already touched a little bit on the recommendation for you, Alan, last time, but, essentially, I have recommended that you stay in hub twenty four, change some of those underlying investments that we went through, and then add that family linking to give you both a bit of a discount on those administration fees. Again, every time we do make a recommendation, I do consider a lot of different alternative to the funds as well just to make sure because there are always things that are continuously changing. So it is important to make sure that even though we originally recommended Hub twenty four, that that's still aligned with everything. Because, yeah, things are always changing. And that's not just a in a couple of years, if there's a new product that comes out that is more competitive than Hub 24, there is nothing that ties us to hub 24 if it's going to be the best for both of you. Yep. Now if you can basically scroll down to page 32 for me, it kind of summarizes everything in a table similar to what we did for Quinn. Yep. Now what you will see here in the balance difference, it's obviously not an upfront fee, what it which it was for Quinn. The difference here is the estimated capital gains tax. So when we make changes to investments, if they have gone up as well, there will be capital gains tax. Now like I talked to them last time, that is all within the superannuation environment and something that they will manage and and do. That's something to be mindful of. So I've tried to minimize that as much as possible for you by still making sure that we are swapping it through the best investment. Now just for your reference, if I were to do a full sell down, so let's say change all of your investments, the capital gains tax was approximately 5,676. So, obviously, try to reduce that as much as possible. Now it is also fluctuating and can vary a little bit because the prices of everything does change on the daily, but it is estimated at around that 1,392. And, again, that is just for the capital gains tax paid within the super environment. Yep. Now you can see here the admin fee and the investment fee are the biggest change. So like I touched on the family linking, we will see that admin fee being reduced for around a $163 per year, which, again, does make a bit of a difference when you compound everything. And, obviously, as your super balance grows, same with Quinn, you will get more of that savings as your balance grows. Yep. Now the biggest thing is what you can actually see the investment fee change. So even though we are recommending that you increase the risk exposure a little bit up to that high growth, given you do still have plenty of time until retirement. The investment fees alone are still quite a bit cheaper, which is really good. Yep. And that is saving about 800 and $66 per year, which, again, makes a pretty big difference. Other fees are also reduced, which is great. Stays you about $69. So, again, overall, pretty good saving in just the platform and the investment fee. Now what you will also see is the discount in the adviser servicing fee, and that is if, obviously, Quinn decides to come on board because exactly. Because you will then be on the couple fee, which will see it reduced to 1.1% instead of the standard 1.65. So you can see that it will save you quite a bit as well in just that discounted adviser service fee. Yep. Now the contribution you can see have been reduced in the recommended, and I will go through that on the next couple of pages. But, basically, what you can see that even though I have projected the recommendation forward for five and ten years, which factors in as the reduction in the contributions, the reduction in adviser fee, reduction in fees, along with the capital gains tax, it's still making at about $53,000 difference in about five years, which is a pretty crazy difference given you are also reducing contribution. Yep. Now similar for for claim, you can see your return. So on your current portfolio in hub twenty four, using that five year rolling average of about 9.95%, recommended at about 12.55%, which is obviously a little bit better, which is great. Now, obviously, in a high growth portfolio, you can see more fluctuations in the short term because you do have a higher portion allocated through those growth investments. The long term, we should obviously see those returns, being better than in a growth portfolio. Yep. Does that make sense? Yep. Perfect. Now on the next page, you can then see the the contribution sorry. You can then see everything fast forward, five and the ten years. Again, it's not something we obviously can guarantee because you never know what's going to happen with the market. So that is, again, why we use a five year rolling average. But you can even see twelve months, three years, five years, and ten year time frame to see that again even on a shorter period where we have had a bit of in the last twelve months, the high growth portfolio still has outperformed your current growth portfolio. Yep. Perfect. Now I have made a little note here as well just in regards to that division two nine three that will be applicable for you, obviously, being a high income earner, which you obviously would know. And when you guys do your tax return, you can then obviously choose whether you want that to come out of super or whether you wanna pay for it yourself. The choice is up to you. Sometimes people just don't want to pay for it from their cash flow, so they take it from superannuation. So it it kind of depends on what your cash flow situation is like. Because it's the same amount, obviously, something to factor in is, well, if it comes from your cash flow that just sits in a savings account, what's the returns you're getting on those investments versus if you take it out of superannuation? Yeah. Yeah. It's something that you can decide depending on how much you you want the money, like, needed from the cash flow or whether you wanna take it from superannuation. Yes. Yes. Perfect. And now with investments, it is same as what I recommended for Quinn. So on page 34, you can see the the recommendation. So you can again see your current investments. You can see your current balance and the current weight into those investments. You can then see the buy and sell. So all the thing in red is what we are selling. Now you can see that we are not selling all of them. Some are just being rebalanced. So you can see that then along investments, we are changing the ClearBridge. We are changing the bank hybrid is being phased out as well. So we're changing that one along with the global agriculture. You can see gold, we are still keeping in your portfolio. But because we are moving to a high growth, you will have a little bit less in your defensive. Therefore, that is reduced a little bit to align with that high growth portfolio. It still very much wants to keep it in your portfolio. Same with cybersecurity. Again, keeping it in your portfolio, just reducing it a little bit down to 6%. IShares S and P 500, we are keeping it as increasing the allocation a little bit. Roughly, we are selling out. And then the bottoms there, you can see same as Quinn. We are adding the Europe, Japan, all world, BetaShares Australia 200, and then the fixed interest at 5% at the bottom there as well. And, again, all those investments are in the appendix if it is that you guys want to go and have a bit of a review over them in your own time as well. Yep. Now if you can scroll to the next page, which is page 36, you should then have the asset allocation outlined for you. Yep. So you can see the risk profile, which is aiming for around ninety ten. Now it can vary with with market. So it's often between 90 to about 95 and then to five and ten. So it does obviously range a little bit with market prices, but around that nine to 10 allocation. You can see your existing portfolio, which is about $87.07 5 in growth, about $12.02 5 in defensive. And then you can see that the repost, because we are moving to a high growth, you will have a little bit higher allocation through those growth investments than what you currently have. Yep. Any questions in regards to that? Or that's pretty straightforward as well. Yep. Perfect. Now the next thing can be a little bit messy, so I will try to make it as easy as I can, which is when it comes to your contribution strategy, Alex. So at the moment, you are salary sacrificing about 400 and fortnight. What I have recommended is that we reduce it to $200 per fortnight and utilize a carry forward for the the last financial year, which you already have caught up, which is great without knowing it, so that's good, and for the next couple of financial yet. So, essentially, because your employer does pay contributions above the cap, which is fantastic, I don't wanted to use up all your available carry forward basis. Because if I do, like, a lump sum for for this financial year, it will mean that for the next couple of years, you don't have anything available. So what would happen because you are already getting basically for free additional contributions made from your employer, you will lose out on those benefits. So, therefore, I wanted to make sure that we leave a bit of space so that each financial year as your you know, if your income continues to go up and if your employer continues to pay contributions above that cap space, you're not losing out on basically free benefits that your employer is paying for you. Yep. Now by doing the fortnightly salary sacrifice, obviously, salary sacrifice is pretax. So that's how you are saving, obviously, a little bit in tax. And by doing it on a fortnightly basis, instead of, let's say, a lump sum, is that you will continue to take advantage of that dollar cost averaging. So as you are obviously making regular contributions, sometimes the market will be high. Sometimes the market will be low. So you're kind of utilizing the market fluctuations to benefit you as well then if you were to make, like, one lump sum contribution at one point in time, you can be very lucky in that when the market is low, but it could also be that when it's high. Obviously, the longer you have the money invested as well, the more it's gonna compound and grow. Does that make sense? Yeah. Perfect. Now how that actually looks like in terms of that carry forward and, again, it is something we should reassess at the end of each financial year, especially if your income continues to go up and your employer continues to pay those contributions because things can change. Now how it's displayed for you is if you wanna go down to table sorry. Page 39, you should see a salary sacrifice table first. 39. Yes. So you basically can see here your current position and your proposed position. So you can see that by reducing your salary sacrifice, you will have more income available yourself. So you will have about 3,536 extra each year to obviously not do that additional contribution. When it comes to actual contributions, though, you will have a little bit less going into super as a result. So that basically shows that. It shows that the tax as well, taxable income, and everything like that. Does that make sense? Exactly. The contribution change. Yes. Yep. So not like the capital gains, but that will be obviously less contributions going into super. Yep. Yep. Now how that then works with the carry forward strategy is on the following page, page 40. So how the carry forward work is where you can use up unused concessional contributions from previous financial years. So how it normally works is start from the oldest financial year first. So as you exceed contributions, so which you have done for the last financial year that was just then, it will then automatically deducted from the oldest financial year first. Now I have included the different concessional contribution cap amount so that you can see it. So over CER continue to going up. So you can see from 2020 to 2021, it was 25,000. It then increases. And even this financial year that just takes over is now up at 32,500, which I have factored in into these calculations for you as well. Make make sense? Yep. Now the next two tables is where it gets a little bit messy, but it's just to show you. So for, obviously, the financial year that just ticked over, what that basically looks like, you can see you can see the financial years first. And, again, going back to the oldest financial year available, you can see the contributions that was made into super, and that was also from those screenshots you sent me from the ATO, which was great because that gave me all the insights that I needed. You can see the concessional caps again outlined for each financial year to make it easy. And you can then also see the cap spaces remaining in each of those financial years. So you can obviously see as your income went higher and you started to make contributions yourself, obviously, there was less and less and less cap spaces remaining. So the reason why I did not recommend to discontinue that 400 is that because each year, you will continue to go up over the cap space a lot more than what's available. So you would run out very quickly, of available cap space, and then you'll be over and having to pay that additional tax. Yep. So for the last financial year, that was just done. You already used up, which was great, the cap space of the 2020 and 2021. So you can basically see that at the start of the financial year, the last financial year, at the start, you had about 25,300 available through all the financial years. You then went over the cap space for the last financial year by about 13,760, which we then used up from those previous financial year, which means that for this financial year, you have about 11,540 combined across all those financial years left. And if you were to continue to pay that 400 per fortnight and your income stays exactly the same, even this financial year, you'd already used up every yep. Makes sense? Yep. Perfect. Now on the next page, it then shows you for this financial year. So, again, starting this financial year, it was the 11,540 available. Assuming your income stays the same and you're reducing salary sacrifice to $200 per fortnight, it will mean that for this financial year, you are still exceeding the cap space by only by 6,460. Now you still have that because you have 11,540 available, it will mean that for the next financial year, you would still have about 5,080 available. Now because, obviously, your employer are continued to going over the cap space, that's where I didn't wanna use up everything because then that means that you obviously continue to run out. And if you are getting those contributions for free, essentially, from your employer, it is a benefit I do not want you to lose out. Yep. Now, obviously, if you were to change employer and they don't pay over their concessional cap, let me know because then we can obviously reassess everything for you. Or, again, if your income if you get a bit of a pay rise, we wanna obviously reassess whether we need to reduce that salary sacrifice further for you. Yep. Makes sense? Yep. Perfect. Again, you will have advantages, some disadvantages, and risks in regards to the recommendation. Some of the advantages that it is a very tax effective way to utilize your carry forward contribution spaces before they do expire, which is really good. You will continue to obviously have salary sacrifice, which again is a very tax effective way, especially with your high income. One of the disadvantages that obviously by salary sacrificing, you are still having less cash flow available than if you decided not to salary sacrifice at all. But the good thing is that because you have already salary sacrificed 400 per fortnight, you will have a little bit extra cash available to then utilize the other goals and stuff that you guys want to achieve together. Yep. And, again, a risk is that it is locked in until you meet a condition of release, and, again, it changes to superannuation legislation. The good thing is because it has gone up by 3,000 2,500 for this money issue year, it means that we have a little bit more space. And then if there are changes to next money issue year with those cap spaces, we then might want to alter things again for you. Yep. Yep. Perfect. Now all of these contribution strategies, all three that I have mentioned was factored into those projection tables I mentioned as well. So it factors in everything. Yep. Now the last thing is just estate planning. So I have included some information in regards to your beneficiary. So that is for your super and for your insurances as well. So there are a lot of different ways you can structure things. Nominating a spouse is a valid nomination because they do make it quite tricky in who you can nominate directly through the legislation. A spouse is a valid nomination. And what would happen is that if something were to happen to either of you, the other partner would receive everything tax free because you are a spouse. Yep. Now the type of nomination I have recommended, it is a binding and nonlapsing. Basically, what it means, a binding means that the trustees or your super insurers are bound to follow your wishes. The other type of nomination is a nonbinding. Basically, what it means is to say that this is what you want to have happen, but it is ultimately up to the trustee to decide whether they agree with it or whether they feel that there is something someone else that is more suitable for it. So, basically, binding gives you more certainty. Does that make sense? Yep. Perfect. Non lapsing also means that you just make the the the nomination type once and then never again. So, obviously, if, your situation ever were to change or you wanna change the nomination, you just have to let me know, and we have to change it. The other type of nomination was to do a lapsing, which means you have to complete the forms every three years. Yep. And most people prefer to just let me know if anything changes and leave it so you don't have to do it every three years. Yep. Perfect. I have also just included some information in regards to setting up a a will and power of attorney. It is something I always recommend everyone to consider. It is completely up to you, But it does mean that if something were to happen, it does provide that certainty on your assets as well. Yeah. Yeah. And most people are the same. Everyone's like, yep. It's not my to do list, but it's one of those things that often is something you know you should be doing, but it just kinda falls off to the sides because everything gets really busy. So that's why I have included information often if you do a will through a lawyer as well. You can also make a power of attorney nomination at the same time as well. Yep. Now as you scroll through, so on page 52, you will see a little bit about our ongoing service. Obviously, Alan, you would know, at a minimum, we do a comprehensive annual review every twelve months, which is where we reassess everything. So we reassess to make sure that the recommendation we have in place still aligns with your goals and your objectives and everything. If there's anything that has changed in your life and we need to make tweaks and changes, this is where we want to do it. That is just at a minimum, though. If you guys want more frequent catch up, it is something that we can do. There's no additional fees or charges. It is all part of the service. But at a minimum, every twelve months, we do that comprehensive annual review, which is also where you decide if you would like to stay on for the next twelve months or so. But it is not a lock in contract. It is something if at any point in time you guys are not happy, it is not a lock in contract. There's no excess fees or anything like that. But with the legislation is that you have to sign that ongoing service agreement every twelve months. We can't just keep charging fees. Yep. It also obviously, if there's any other areas of advice that you guys need, so whether that is you wanna have a look at your personal investments or whatever it might be, it's all part of the service for you as well. Yep. Perfect. Now the last thing I do wanna touch on is just a remuneration again just to make sure you guys fully understand. So if you can scroll down to page 54 for me. So you can see here that Alan, for you, there is no upfront advice fee. You pay that once when you came on board. So every, you know, advice piece and stuff we do here for you, there's no upfront advice fee for you. Quinn for you is at 4,900 and 50, which was that balance difference in your projection table. Now that is usually 3.3% capped at a 150,000. And because you see the balance is above that, it's capped for you. Yep. The next page, you can then see the ongoing. So you can see here the ongoing advice fee reduced for both of you down to 1.1 from superannuation. Now I have also included for you, Alan, your insurances. So when it comes to insurances, it is not something that you pay. It is something that Tau pays us at Oakview, and we do get a commission on the insurance policy, which is 22% of the premium. But, again, it's not something that you pay before compliances. We have to disclose all commissions so that you are fully aware of them. Yep. Do you guys have any questions in regards to the fee structure? No. Perfect. And the last couple of pages just kind of summarizes everything. So all the recommendations are outlined for you. So what I have recommended again, Quinn, is for you to roll over your Aware Super into Hub twenty four, make a contribution to benefit of that government co contribution for Alan to make the spouse contributions on your behalf, Alan to keep his hub twenty four account to change the underlying investment, Alan to reduce the salary sacrifice from 400 to 200 per fortnight, and then the estate planning. Again, though, these are just recommendations whether you wanna take some of it or none of it or all of it. It is completely up to you guys. Yep. Now you will also see how to implement our advice. That is more just so that you can see the steps. But if it was something that you guys were happy to go ahead with, that is something that we would guide and and talk you through the process and how it all works. So you guys wouldn't have to think, oh, when should I do this, or when should I do this? It is something that we would do all for you. Perfect. Now you would have seen as well a couple if you went through it. There were quite a few documents in the DocuSign folder for you. So the second attachment is the appendix. Now this is the one I mentioned that has kind of all the research and everything attached for you. You will have the investment link. Now what I have also included is a comparison as well where if, Quinn, you decide not to wanting to make the government co contribution and if Alan decides that he does not want to make the spousal contribution, how that would change things for your superannuation. And it would still put you ahead by quite a lot. But, obviously, the more you have in super, the more it compounds and growth. But just to show you if you guys decided that you did not want to do those extra contributions for quick. Just so that you have that. So if you press next in the DocuSign or if you scroll all the way to the bottom of the SOA, it should take you to the next document. Yes. Yes. That's that's a lot. You should still be able to to press next, like next document or okay. Yep. Because some photos show it's up a little bit differently. Okay. Okay. If for some reason you can't access it, though, I can see all of that on my end here in in your document. But if for some reason you can't, just let me know, and I can always get it emailed to you. But, yeah, maybe because there are quite a lot of attachments, a computer later might be a bit easier because you can see, yep, that appendix. You can also see all the application and documents. So there is a pre prepared application for Queen to set up the '24 application. There's also a new ongoing service agreement for you, Alan, and that is to reduce your ongoing advice fee. You also have all the corresponding product disclosure statement. So every time we do make a recommendation on a product, we have to give you the product disclosure statement as well. So, basically, what they are is just massive documents, but it provides you all the information in regards to the product. So you will have everything in regards to hub 24. You will have the the menu investment booklet and and everything in there for you. And you'll also have just another version of that financial services guide again. Alan, you would have seen it from your annual review. Quinn, I believe the onboarding team did email that to you as well. If not, it's in the document. It is just one of those documents to give you all the important information regarding us here at Oakview as well so that you can decide if we are a good fit for yourself. You can see all the team, the directors, or advisers, and everything in that document as well. Now that was essentially everything that I needed to go through with the two of you, which I know there's obviously a lot. So take your time. Have a read over everything. Now Maddie, who you, Quinn, I believe you spoke to last time, you spoke to Maddie or Jordan for the first kind of research process, will give you guys a call in a couple of days just to see if you've had a chance to read over everything and what your thoughts are. Obviously, take your time to read over it because there is a lot to go through. If you have any further questions, though, at any point in time, just let me know or let Maddie know when she gives you a call, and we can always book you in for another catch up and and discuss and go through any questions you might have. Same for you, Alan. Yes. Often, it will allow you to do it after you sign, but what I can do is I can just email them to both of you so you have a a PDF version. Would you like all the documents, like, all the PDFs and everything as well? Yeah. Okay. Perfect. I may have to do it in two documents. I'll see just how big it is, but I will get that out to both of you. And you're happy with one joint email for the two of you? Like, you both will be cc'd in the same email? Yep. Perfect. I will get that all emailed out to you today. Yeah. No. Paris. Yes. Yep. No. I'm the same. I sometimes, you know, highlight different things. Sorry. I I completely get it. No. I will get that emailed through to both of you. But do you guys have any other questions before I kind of let you go this morning otherwise at this point in time? Nope. Yep. Yes. Yes. Exactly. And like I said, you have a bit of time to decide for for the two of you. Any questions, you can even just email me or give me a call, and we can book you in for another catch up as well. Yep. Beautiful. No. That's okay. Thank you so much for your time, both of you today and last time as well. And I look forward to hearing from the two of you soon. And, yeah, any questions or anything that I can help you with, just let me know. Mhmm. Yes. Correct. Yeah. Exactly. But it is valid. So it is valid for sixty days. So the document was created on the June 23, which means that you have sixty days. So just let me know, ideally, by the end of this month, the latest on what you are thinking. Just because, obviously, if it does expire, we will just have to redo everything to make sure it's still, obviously, the numbers and everything because there is obviously a deadline with numbers. But just let me know. You still have time to have a look through everything. But, yes, we did factoring all the changes to this financial year because it was so close when we'd prepared everything. Yep. Perfect. Yeah. Just let me know how you go. And thank you so much for your time, and I hope you enjoy the rest of your day. No worries. We'll speak soon. You too. 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morning. Is this Quinn? This is Veronica from Financial. How are you? That's good.\n\nHi, Alan. How are you? Yeah. That's good. I had you both in just to kind of go through the rest of the the recommendations.\n\nDo you guys still have time this morning? Yes. Perfect. Now because we already have gone through a bit. Hopefully, I won't keep you guys for too long this morning.\n\nBut before I do kind of jump in, I do need to let you both know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just as per last time, just for security purposes so that I can confirm I am speaking with the right people, could you just confirm full name, date of birth, and address, please? Yep. Yep.\n\nYep. Perfect. And have you guys had a chance to look through anything or or not really? Okay. No.\n\nYep. No. That's all good. So what I will do today is just kind of briefly go through the rest of the recommendations with you guys. And then afterwards, you still have obviously some time to have a read over everything and decide what you would like to do.\n\nAnd if you do have any further questions, we can always book in for another catch up. But do you guys have access to your emails again for that document? Just one of you is fine. Yep. Now yeah.\n\nPerfect. Now if you can jump into the document and scroll down to page let me see here. 23. That's kind of where we stopped last time. Perfect.\n\nSo we basically have touched on, obviously, Quinn's recommendation for superannuation. Then the next thing we were going to focus on is obviously the different contribution ways of trying to make things as tax effective for both of you, but also making sure that we are boosting both of your superannuation, but basically in the most tax effective way. Now one of the recommendations I have made for Quinn was when it comes to making those additional contributions. You mentioned when we did the, the first conversation that you were willing to put potentially a little bit into your if it was going to be the best for you. But, obviously, with the income that you are on at the moment, doing it through salary sacrifice is not the most tax effective way because you are on, a very low income from that point, so the tax savings won't be as great.\n\nSo what I have recommended instead, it is a little bit different. It is called a government co contribution. So if you did have a chance to have a read through the document, but, basically, what it is, it is a scheme where the government are basically having a strategy in place to help low and middle income earners boost their super. So how it works is that if you make a after tax contribution, so let's say just from your bank account into superannuation, the government make an additional contributions themselves to help boost that for you. Now how it is is that they will do a maximum of $500 if you are eligible.\n\nThe eligibility criteria for this new financial year is that your income to get the full of 5 100, your income has to be under 49,293. Now it is something that you can make at the end of this financial year. So it's not something you have to decide now even, and you can obviously see how, obviously, the business and and everything else is going. And then if it is that you are under that threshold, obviously, given we have rolled over to a new financial year, it is something that you can decide closer to the end of this financial year to make sure you're still eligible because, obviously, things can change in the meantime. So how it works is that if you put in a thousand dollars yourself, but from your bank account, the government will match 500 dollars.\n\nThat's probably, like, the most tax effective way. You can obviously put more in, but the max they will do is 500. So by putting thousand in, they will put 500 and match it themselves, which is a really good incentive. Does that make sense? Yep.\n\nPerfect. Now it is pretty straightforward. In the strategy paper, I have outlined some advantages in regards to it. It is the most tax effective way where they literally just match 500. You don't have to pay tax on it or anything like that.\n\nThey just put that in to help boost your superannuation. This advantage, obviously, is that you will have a thousand dollars less in your cash account if something, you know, were to happen, and it is locked in until you meet a condition of a lease. So, obviously, make sure you don't need that thousand dollars if something were to happen. Yep. One of the risk is that there can obviously be changes to superannuation and tax legislation if something were to happen, but, also, obviously, your income will be the biggest change.\n\nSo, obviously, keep an eye on it if it was something you wanted to to do sooner. Obviously, the the sooner you put the money in, the longer it will compound and be invested for you. But, also, just be mindful that if your income does exceed a lot this year, that you may not be eligible for it. Yeah. Does that make sense?\n\nPerfect. And now other alternatives like I mentioned, I did consider, obviously, salary sacrifice wasn't very tax effective for you or even just making personal contributions, claiming an NOI on that. But, again, because of your income, it's not the most tax effective. The the kind of highest return rate is this government co contribution strategy. So it is pretty straightforward.\n\nYep. Any questions before I move on to the next contribution strategy? It'll auto Correct. So what you'll do is you'll just put a thousand dollars in, and then the government will automatically put it into your superannuation When you do, like, your tax return and everything and they see that you are a lower middle middle income earner, you have made that contribution. So you don't have to do anything.\n\nThey will just put that in automatically. Yep. Any other questions? No. Perfect.\n\nNow the the next strategy I have done is on page 26. So this is kind of a little bit like we were touching on for both of you guys when it comes to different spousal contribution strategies. So, essentially, there are two ways you can make spousal contributions. One is what I have recommended, and the other one is that contribution splitting. Now I think that was kind of what we were touching on first, Alan, and I think that is something you touched on with my sorry.\n\nDo you guys hear my dog? Yes. Sorry. I'm just working from home today, and it's just a delivery. So I'll just let her outside because she sounds aggressive, but she's harmless.\n\nShe's a little loud. So apologies for that. Now like I said, there are two different contributions for spousal. So there's spousal splitting, which is basically where Alan decides to give up a portion of his contributions going into Quinn's superannuation. It was something I did consider, but for, like, a overall situation, it wasn't the most tax effective, and that is essentially because Alan is already above the concessional contribution cap.\n\nNow to make it very tax effective, it would be if Alan was quite below the contribution cap, then Alan's salary sacrificing into his superannuation because he is on a high tax bracket, splitting some of those contribution with UQIN would be the most tax effective. But because of, obviously, Alan being receiving quite a lot of contributions already through superannuation and, obviously, the salary sacrifice you are doing and kind of exceeding that cap space, it wasn't as effective. So what I have recommended instead, it is something that's called spousal contribution. So it's not where Alan touches any of his contributions himself, instead makes an additional contribution. Now how it works is if Alan decides to put in $3,000 into Queen's Super, and, again, this is after tax contribution.\n\nSo it can be from your your bank account or anything like that, puts it into Queen's Superannuation. Because of it, he can get a tax offset of 18% of the contributions made, which equates to about $540 per financial year. Does that make sense? Yeah. And, obviously, tax offset can be a little bit more beneficial than, like, a tax deduction deduction because the tax offset is essentially where you deduct directly from the final amount of your tax.\n\nSo it's basically a dollar for dollar discount. So it is pretty good. So it is a way where Queen, you can pour a little bit more into super. At the same time, Alan will get that tax offset. So kind of factoring in for both of you, it was the most tax effective way in making sure that we've boost Queen's superannuation while also giving Alan a little bit of that tax offset given he is on the highest income.\n\nDoes that make sense? Yep. But, again, these are just recommendations in trying to boost super for for both of you while also making it tax effective. Like I said last time, it is completely up to you whether you wanted to do all of these contribution strategies or just one or see how you go. And, again, it does depend on, Quinn's income at the end of the financial year.\n\nSo if it is something that you just wanna hold off, see whatever happens, because obviously, just rolled into that new financial year, so there's obviously a bit of time where things can change. It is completely up to you guys. It's not something you even have to decide what if you wanted to do now or not. Mhmm. Yes.\n\nYes. Correct. Yeah. So if it was that you did it last financial year, they would have then put it in. But because they have rolled into a new financial year, it has to be done the the contribution has to be made that financial year.\n\nCorrect. Yes. Yep. So, obviously, time was a bit crunch time getting so close to the end of this money into a year. But even if it was that we did it, let's say, last week, obviously, opening up accounts and doing everything with the money would have been really crunch time because, also, with the super funds and the administration process, it can take a little bit for things to get into place as well.\n\nYep. But this is also something that if your situation, Quinn, stays the same for a couple of years, it is something you can do each financial year as well. But, obviously, it is something that I recommend we reassess as we go. Obviously, if your situation changed, then, obviously, the business is making a lot more money and you decide to obviously draw an income a lot more, other investments are making obviously money, then it is something we should reassess just to make sure it still aligns with both of you. Yes.\n\nAny questions about that? Oh, that's pretty straightforward as well. So he would just have to put it in, essentially. Whether that come from a joint bank account or not, it doesn't really matter as long as he's the one making that contribution, and we would then assist with all the administrative side of it. So whether that is actually from Queen, let's say, you transfer money into your joint bank account, as long as it is a bank account, obviously, that Alan is also part of, and then Alan makes it that way, there's no way of them, obviously, knowing if you transferred, let's say, 3,000 into your joint account and then Alan made it that way.\n\nAs long as it's kind of registered that Alan made the contribution. But we can also assist with how to do it. So there are when you are doing it with hub twenty four, for example, they have a lot of different codes depending on how you want to put it in. And that's where we would then obviously assist with directing, okay, use this code or here's the form to do it this way. So make sure it then gets, like, added into the the correct way of doing it.\n\nBecause there's a lot of different type of contributions you can make, and it does make it a little bit tricky as well. But that is something that we would assist. Yep. Correct. Yes.\n\nYeah. Not just, okay. Off you go. And then you could do it a different way. No.\n\nWe would help through all of all of that. But it is a good question, though. Now, again, very similar, obviously, when it comes to advantages disadvantages and risk. Obviously, an advantage is that it will help boost quince your preannuation. Again, give Alan that tax offset, which is great.\n\nObviously, disadvantage, you will have $3,000 less in cash if something were to happen. It is locked in till contribution sorry. It is locked in until you make additional release again. Similar risk, obviously, if Queen's income just increases a lot this financial year, that could obviously change thing. Also, future changes in legislation.\n\nOften often, they do make the changes at their financial year, though, and because they've kind of already have set them. But, obviously, it is something that can always change. So something to be mindful of. Yep. Now any other questions before I move on to Alan's superannuation?\n\nNope. Yep. Perfect. Now I have already touched a little bit on the recommendation for you, Alan, last time, but, essentially, I have recommended that you stay in hub twenty four, change some of those underlying investments that we went through, and then add that family linking to give you both a bit of a discount on those administration fees. Again, every time we do make a recommendation, I do consider a lot of different alternative to the funds as well just to make sure because there are always things that are continuously changing.\n\nSo it is important to make sure that even though we originally recommended Hub twenty four, that that's still aligned with everything. Because, yeah, things are always changing. And that's not just a in a couple of years, if there's a new product that comes out that is more competitive than Hub 24, there is nothing that ties us to hub 24 if it's going to be the best for both of you. Yep. Now if you can basically scroll down to page 32 for me, it kind of summarizes everything in a table similar to what we did for Quinn.\n\nYep. Now what you will see here in the balance difference, it's obviously not an upfront fee, what it which it was for Quinn. The difference here is the estimated capital gains tax. So when we make changes to investments, if they have gone up as well, there will be capital gains tax. Now like I talked to them last time, that is all within the superannuation environment and something that they will manage and and do.\n\nThat's something to be mindful of. So I've tried to minimize that as much as possible for you by still making sure that we are swapping it through the best investment. Now just for your reference, if I were to do a full sell down, so let's say change all of your investments, the capital gains tax was approximately 5,676. So, obviously, try to reduce that as much as possible. Now it is also fluctuating and can vary a little bit because the prices of everything does change on the daily, but it is estimated at around that 1,392.\n\nAnd, again, that is just for the capital gains tax paid within the super environment. Yep. Now you can see here the admin fee and the investment fee are the biggest change. So like I touched on the family linking, we will see that admin fee being reduced for around a $163 per year, which, again, does make a bit of a difference when you compound everything. And, obviously, as your super balance grows, same with Quinn, you will get more of that savings as your balance grows.\n\nYep. Now the biggest thing is what you can actually see the investment fee change. So even though we are recommending that you increase the risk exposure a little bit up to that high growth, given you do still have plenty of time until retirement. The investment fees alone are still quite a bit cheaper, which is really good. Yep.\n\nAnd that is saving about 800 and $66 per year, which, again, makes a pretty big difference. Other fees are also reduced, which is great. Stays you about $69. So, again, overall, pretty good saving in just the platform and the investment fee. Now what you will also see is the discount in the adviser servicing fee, and that is if, obviously, Quinn decides to come on board because exactly.\n\nBecause you will then be on the couple fee, which will see it reduced to 1.1% instead of the standard 1.65. So you can see that it will save you quite a bit as well in just that discounted adviser service fee. Yep. Now the contribution you can see have been reduced in the recommended, and I will go through that on the next couple of pages. But, basically, what you can see that even though I have projected the recommendation forward for five and ten years, which factors in as the reduction in the contributions, the reduction in adviser fee, reduction in fees, along with the capital gains tax, it's still making at about $53,000 difference in about five years, which is a pretty crazy difference given you are also reducing contribution.\n\nYep. Now similar for for claim, you can see your return. So on your current portfolio in hub twenty four, using that five year rolling average of about 9.95%, recommended at about 12.55%, which is obviously a little bit better, which is great. Now, obviously, in a high growth portfolio, you can see more fluctuations in the short term because you do have a higher portion allocated through those growth investments. The long term, we should obviously see those returns, being better than in a growth portfolio.\n\nYep. Does that make sense? Yep. Perfect. Now on the next page, you can then see the the contribution sorry.\n\nYou can then see everything fast forward, five and the ten years. Again, it's not something we obviously can guarantee because you never know what's going to happen with the market. So that is, again, why we use a five year rolling average. But you can even see twelve months, three years, five years, and ten year time frame to see that again even on a shorter period where we have had a bit of in the last twelve months, the high growth portfolio still has outperformed your current growth portfolio. Yep.\n\nPerfect. Now I have made a little note here as well just in regards to that division two nine three that will be applicable for you, obviously, being a high income earner, which you obviously would know. And when you guys do your tax return, you can then obviously choose whether you want that to come out of super or whether you wanna pay for it yourself. The choice is up to you. Sometimes people just don't want to pay for it from their cash flow, so they take it from superannuation.\n\nSo it it kind of depends on what your cash flow situation is like. Because it's the same amount, obviously, something to factor in is, well, if it comes from your cash flow that just sits in a savings account, what's the returns you're getting on those investments versus if you take it out of superannuation? Yeah. Yeah. It's something that you can decide depending on how much you you want the money, like, needed from the cash flow or whether you wanna take it from superannuation.\n\nYes. Yes. Perfect. And now with investments, it is same as what I recommended for Quinn. So on page 34, you can see the the recommendation.\n\nSo you can again see your current investments. You can see your current balance and the current weight into those investments. You can then see the buy and sell. So all the thing in red is what we are selling. Now you can see that we are not selling all of them.\n\nSome are just being rebalanced. So you can see that then along investments, we are changing the ClearBridge. We are changing the bank hybrid is being phased out as well. So we're changing that one along with the global agriculture. You can see gold, we are still keeping in your portfolio.\n\nBut because we are moving to a high growth, you will have a little bit less in your defensive. Therefore, that is reduced a little bit to align with that high growth portfolio. It still very much wants to keep it in your portfolio. Same with cybersecurity. Again, keeping it in your portfolio, just reducing it a little bit down to 6%.\n\nIShares S and P 500, we are keeping it as increasing the allocation a little bit. Roughly, we are selling out. And then the bottoms there, you can see same as Quinn. We are adding the Europe, Japan, all world, BetaShares Australia 200, and then the fixed interest at 5% at the bottom there as well. And, again, all those investments are in the appendix if it is that you guys want to go and have a bit of a review over them in your own time as well.\n\nYep. Now if you can scroll to the next page, which is page 36, you should then have the asset allocation outlined for you. Yep. So you can see the risk profile, which is aiming for around ninety ten. Now it can vary with with market.\n\nSo it's often between 90 to about 95 and then to five and ten. So it does obviously range a little bit with market prices, but around that nine to 10 allocation. You can see your existing portfolio, which is about $87.07 5 in growth, about $12.02 5 in defensive. And then you can see that the repost, because we are moving to a high growth, you will have a little bit higher allocation through those growth investments than what you currently have. Yep.\n\nAny questions in regards to that? Or that's pretty straightforward as well. Yep. Perfect. Now the next thing can be a little bit messy, so I will try to make it as easy as I can, which is when it comes to your contribution strategy, Alex.\n\nSo at the moment, you are salary sacrificing about 400 and fortnight. What I have recommended is that we reduce it to $200 per fortnight and utilize a carry forward for the the last financial year, which you already have caught up, which is great without knowing it, so that's good, and for the next couple of financial yet. So, essentially, because your employer does pay contributions above the cap, which is fantastic, I don't wanted to use up all your available carry forward basis. Because if I do, like, a lump sum for for this financial year, it will mean that for the next couple of years, you don't have anything available. So what would happen because you are already getting basically for free additional contributions made from your employer, you will lose out on those benefits.\n\nSo, therefore, I wanted to make sure that we leave a bit of space so that each financial year as your you know, if your income continues to go up and if your employer continues to pay contributions above that cap space, you're not losing out on basically free benefits that your employer is paying for you. Yep. Now by doing the fortnightly salary sacrifice, obviously, salary sacrifice is pretax. So that's how you are saving, obviously, a little bit in tax. And by doing it on a fortnightly basis, instead of, let's say, a lump sum, is that you will continue to take advantage of that dollar cost averaging.\n\nSo as you are obviously making regular contributions, sometimes the market will be high. Sometimes the market will be low. So you're kind of utilizing the market fluctuations to benefit you as well then if you were to make, like, one lump sum contribution at one point in time, you can be very lucky in that when the market is low, but it could also be that when it's high. Obviously, the longer you have the money invested as well, the more it's gonna compound and grow. Does that make sense?\n\nYeah. Perfect. Now how that actually looks like in terms of that carry forward and, again, it is something we should reassess at the end of each financial year, especially if your income continues to go up and your employer continues to pay those contributions because things can change. Now how it's displayed for you is if you wanna go down to table sorry. Page 39, you should see a salary sacrifice table first.\n\n39. Yes. So you basically can see here your current position and your proposed position. So you can see that by reducing your salary sacrifice, you will have more income available yourself. So you will have about 3,536 extra each year to obviously not do that additional contribution.\n\nWhen it comes to actual contributions, though, you will have a little bit less going into super as a result. So that basically shows that. It shows that the tax as well, taxable income, and everything like that. Does that make sense? Exactly.\n\nThe contribution change. Yes. Yep. So not like the capital gains, but that will be obviously less contributions going into super. Yep.\n\nYep. Now how that then works with the carry forward strategy is on the following page, page 40. So how the carry forward work is where you can use up unused concessional contributions from previous financial years. So how it normally works is start from the oldest financial year first. So as you exceed contributions, so which you have done for the last financial year that was just then, it will then automatically deducted from the oldest financial year first.\n\nNow I have included the different concessional contribution cap amount so that you can see it. So over CER continue to going up. So you can see from 2020 to 2021, it was 25,000. It then increases. And even this financial year that just takes over is now up at 32,500, which I have factored in into these calculations for you as well.\n\nMake make sense? Yep. Now the next two tables is where it gets a little bit messy, but it's just to show you. So for, obviously, the financial year that just ticked over, what that basically looks like, you can see you can see the financial years first. And, again, going back to the oldest financial year available, you can see the contributions that was made into super, and that was also from those screenshots you sent me from the ATO, which was great because that gave me all the insights that I needed.\n\nYou can see the concessional caps again outlined for each financial year to make it easy. And you can then also see the cap spaces remaining in each of those financial years. So you can obviously see as your income went higher and you started to make contributions yourself, obviously, there was less and less and less cap spaces remaining. So the reason why I did not recommend to discontinue that 400 is that because each year, you will continue to go up over the cap space a lot more than what's available. So you would run out very quickly, of available cap space, and then you'll be over and having to pay that additional tax.\n\nYep. So for the last financial year, that was just done. You already used up, which was great, the cap space of the 2020 and 2021. So you can basically see that at the start of the financial year, the last financial year, at the start, you had about 25,300 available through all the financial years. You then went over the cap space for the last financial year by about 13,760, which we then used up from those previous financial year, which means that for this financial year, you have about 11,540 combined across all those financial years left.\n\nAnd if you were to continue to pay that 400 per fortnight and your income stays exactly the same, even this financial year, you'd already used up every yep. Makes sense? Yep. Perfect. Now on the next page, it then shows you for this financial year.\n\nSo, again, starting this financial year, it was the 11,540 available. Assuming your income stays the same and you're reducing salary sacrifice to $200 per fortnight, it will mean that for this financial year, you are still exceeding the cap space by only by 6,460. Now you still have that because you have 11,540 available, it will mean that for the next financial year, you would still have about 5,080 available. Now because, obviously, your employer are continued to going over the cap space, that's where I didn't wanna use up everything because then that means that you obviously continue to run out. And if you are getting those contributions for free, essentially, from your employer, it is a benefit I do not want you to lose out.\n\nYep. Now, obviously, if you were to change employer and they don't pay over their concessional cap, let me know because then we can obviously reassess everything for you. Or, again, if your income if you get a bit of a pay rise, we wanna obviously reassess whether we need to reduce that salary sacrifice further for you. Yep. Makes sense?\n\nYep. Perfect. Again, you will have advantages, some disadvantages, and risks in regards to the recommendation. Some of the advantages that it is a very tax effective way to utilize your carry forward contribution spaces before they do expire, which is really good. You will continue to obviously have salary sacrifice, which again is a very tax effective way, especially with your high income.\n\nOne of the disadvantages that obviously by salary sacrificing, you are still having less cash flow available than if you decided not to salary sacrifice at all. But the good thing is that because you have already salary sacrificed 400 per fortnight, you will have a little bit extra cash available to then utilize the other goals and stuff that you guys want to achieve together. Yep. And, again, a risk is that it is locked in until you meet a condition of release, and, again, it changes to superannuation legislation. The good thing is because it has gone up by 3,000 2,500 for this money issue year, it means that we have a little bit more space.\n\nAnd then if there are changes to next money issue year with those cap spaces, we then might want to alter things again for you. Yep. Yep. Perfect. Now all of these contribution strategies, all three that I have mentioned was factored into those projection tables I mentioned as well.\n\nSo it factors in everything. Yep. Now the last thing is just estate planning. So I have included some information in regards to your beneficiary. So that is for your super and for your insurances as well.\n\nSo there are a lot of different ways you can structure things. Nominating a spouse is a valid nomination because they do make it quite tricky in who you can nominate directly through the legislation. A spouse is a valid nomination. And what would happen is that if something were to happen to either of you, the other partner would receive everything tax free because you are a spouse. Yep.\n\nNow the type of nomination I have recommended, it is a binding and nonlapsing. Basically, what it means, a binding means that the trustees or your super insurers are bound to follow your wishes. The other type of nomination is a nonbinding. Basically, what it means is to say that this is what you want to have happen, but it is ultimately up to the trustee to decide whether they agree with it or whether they feel that there is something someone else that is more suitable for it. So, basically, binding gives you more certainty.\n\nDoes that make sense? Yep. Perfect. Non lapsing also means that you just make the the the nomination type once and then never again. So, obviously, if, your situation ever were to change or you wanna change the nomination, you just have to let me know, and we have to change it.\n\nThe other type of nomination was to do a lapsing, which means you have to complete the forms every three years. Yep. And most people prefer to just let me know if anything changes and leave it so you don't have to do it every three years. Yep. Perfect.\n\nI have also just included some information in regards to setting up a a will and power of attorney. It is something I always recommend everyone to consider. It is completely up to you, But it does mean that if something were to happen, it does provide that certainty on your assets as well. Yeah. Yeah.\n\nAnd most people are the same. Everyone's like, yep. It's not my to do list, but it's one of those things that often is something you know you should be doing, but it just kinda falls off to the sides because everything gets really busy. So that's why I have included information often if you do a will through a lawyer as well. You can also make a power of attorney nomination at the same time as well.\n\nYep. Now as you scroll through, so on page 52, you will see a little bit about our ongoing service. Obviously, Alan, you would know, at a minimum, we do a comprehensive annual review every twelve months, which is where we reassess everything. So we reassess to make sure that the recommendation we have in place still aligns with your goals and your objectives and everything. If there's anything that has changed in your life and we need to make tweaks and changes, this is where we want to do it.\n\nThat is just at a minimum, though. If you guys want more frequent catch up, it is something that we can do. There's no additional fees or charges. It is all part of the service. But at a minimum, every twelve months, we do that comprehensive annual review, which is also where you decide if you would like to stay on for the next twelve months or so.\n\nBut it is not a lock in contract. It is something if at any point in time you guys are not happy, it is not a lock in contract. There's no excess fees or anything like that. But with the legislation is that you have to sign that ongoing service agreement every twelve months. We can't just keep charging fees.\n\nYep. It also obviously, if there's any other areas of advice that you guys need, so whether that is you wanna have a look at your personal investments or whatever it might be, it's all part of the service for you as well. Yep. Perfect. Now the last thing I do wanna touch on is just a remuneration again just to make sure you guys fully understand.\n\nSo if you can scroll down to page 54 for me. So you can see here that Alan, for you, there is no upfront advice fee. You pay that once when you came on board. So every, you know, advice piece and stuff we do here for you, there's no upfront advice fee for you. Quinn for you is at 4,900 and 50, which was that balance difference in your projection table.\n\nNow that is usually 3.3% capped at a 150,000. And because you see the balance is above that, it's capped for you. Yep. The next page, you can then see the ongoing. So you can see here the ongoing advice fee reduced for both of you down to 1.1 from superannuation.\n\nNow I have also included for you, Alan, your insurances. So when it comes to insurances, it is not something that you pay. It is something that Tau pays us at Oakview, and we do get a commission on the insurance policy, which is 22% of the premium. But, again, it's not something that you pay before compliances. We have to disclose all commissions so that you are fully aware of them.\n\nYep. Do you guys have any questions in regards to the fee structure? No. Perfect. And the last couple of pages just kind of summarizes everything.\n\nSo all the recommendations are outlined for you. So what I have recommended again, Quinn, is for you to roll over your Aware Super into Hub twenty four, make a contribution to benefit of that government co contribution for Alan to make the spouse contributions on your behalf, Alan to keep his hub twenty four account to change the underlying investment, Alan to reduce the salary sacrifice from 400 to 200 per fortnight, and then the estate planning. Again, though, these are just recommendations whether you wanna take some of it or none of it or all of it. It is completely up to you guys. Yep.\n\nNow you will also see how to implement our advice. That is more just so that you can see the steps. But if it was something that you guys were happy to go ahead with, that is something that we would guide and and talk you through the process and how it all works. So you guys wouldn't have to think, oh, when should I do this, or when should I do this? It is something that we would do all for you.\n\nPerfect. Now you would have seen as well a couple if you went through it. There were quite a few documents in the DocuSign folder for you. So the second attachment is the appendix. Now this is the one I mentioned that has kind of all the research and everything attached for you.\n\nYou will have the investment link. Now what I have also included is a comparison as well where if, Quinn, you decide not to wanting to make the government co contribution and if Alan decides that he does not want to make the spousal contribution, how that would change things for your superannuation. And it would still put you ahead by quite a lot. But, obviously, the more you have in super, the more it compounds and growth. But just to show you if you guys decided that you did not want to do those extra contributions for quick.\n\nJust so that you have that. So if you press next in the DocuSign or if you scroll all the way to the bottom of the SOA, it should take you to the next document. Yes. Yes. That's that's a lot.\n\nYou should still be able to to press next, like next document or okay. Yep. Because some photos show it's up a little bit differently. Okay. Okay.\n\nIf for some reason you can't access it, though, I can see all of that on my end here in in your document. But if for some reason you can't, just let me know, and I can always get it emailed to you. But, yeah, maybe because there are quite a lot of attachments, a computer later might be a bit easier because you can see, yep, that appendix. You can also see all the application and documents. So there is a pre prepared application for Queen to set up the '24 application.\n\nThere's also a new ongoing service agreement for you, Alan, and that is to reduce your ongoing advice fee. You also have all the corresponding product disclosure statement. So every time we do make a recommendation on a product, we have to give you the product disclosure statement as well. So, basically, what they are is just massive documents, but it provides you all the information in regards to the product. So you will have everything in regards to hub 24.\n\nYou will have the the menu investment booklet and and everything in there for you. And you'll also have just another version of that financial services guide again. Alan, you would have seen it from your annual review. Quinn, I believe the onboarding team did email that to you as well. If not, it's in the document.\n\nIt is just one of those documents to give you all the important information regarding us here at Oakview as well so that you can decide if we are a good fit for yourself. You can see all the team, the directors, or advisers, and everything in that document as well. Now that was essentially everything that I needed to go through with the two of you, which I know there's obviously a lot. So take your time. Have a read over everything.\n\nNow Maddie, who you, Quinn, I believe you spoke to last time, you spoke to Maddie or Jordan for the first kind of research process, will give you guys a call in a couple of days just to see if you've had a chance to read over everything and what your thoughts are. Obviously, take your time to read over it because there is a lot to go through. If you have any further questions, though, at any point in time, just let me know or let Maddie know when she gives you a call, and we can always book you in for another catch up and and discuss and go through any questions you might have. Same for you, Alan. Yes.\n\nOften, it will allow you to do it after you sign, but what I can do is I can just email them to both of you so you have a a PDF version. Would you like all the documents, like, all the PDFs and everything as well? Yeah. Okay. Perfect.\n\nI may have to do it in two documents. I'll see just how big it is, but I will get that out to both of you. And you're happy with one joint email for the two of you? Like, you both will be cc'd in the same email? Yep.\n\nPerfect. I will get that all emailed out to you today. Yeah. No. Paris.\n\nYes. Yep. No. I'm the same. I sometimes, you know, highlight different things.\n\nSorry. I I completely get it. No. I will get that emailed through to both of you. But do you guys have any other questions before I kind of let you go this morning otherwise at this point in time?\n\nNope. Yep. Yes. Yes. Exactly.\n\nAnd like I said, you have a bit of time to decide for for the two of you. Any questions, you can even just email me or give me a call, and we can book you in for another catch up as well. Yep. Beautiful. No.\n\nThat's okay. Thank you so much for your time, both of you today and last time as well. And I look forward to hearing from the two of you soon. And, yeah, any questions or anything that I can help you with, just let me know. Mhmm.\n\nYes. Correct. Yeah. Exactly. But it is valid.\n\nSo it is valid for sixty days. So the document was created on the June 23, which means that you have sixty days. So just let me know, ideally, by the end of this month, the latest on what you are thinking. Just because, obviously, if it does expire, we will just have to redo everything to make sure it's still, obviously, the numbers and everything because there is obviously a deadline with numbers. But just let me know.\n\nYou still have time to have a look through everything. But, yes, we did factoring all the changes to this financial year because it was so close when we'd prepared everything. Yep. Perfect. Yeah.\n\nJust let me know how you go. And thank you so much for your time, and I hope you enjoy the rest of your day. No worries. We'll speak soon. You too.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good morning.","start":2.48,"end":2.96,"sentiment":"neutral","sentiment_score":0.24927698820829391},{"text":"Is this Quinn?","start":2.96,"end":3.78,"sentiment":"neutral","sentiment_score":0.11373837788899739},{"text":"This is Veronica from Financial.","start":5.2,"end":6.8999996,"sentiment":"neutral","sentiment_score":0.135921648144722},{"text":"How are you?","start":7.3599997,"end":8.18,"sentiment":"neutral","sentiment_score":0.1448762764533361},{"text":"That's good.","start":10.08,"end":11.059999,"sentiment":"positive","sentiment_score":0.5154310464859009}],"sentiment":"neutral","sentiment_score":0.19899121820926666,"num_words":15,"start":2.48,"end":11.059999},{"sentences":[{"text":"Hi, Alan.","start":12.24,"end":13.04,"sentiment":"neutral","sentiment_score":0.22550591826438904},{"text":"How are you?","start":13.04,"end":13.86,"sentiment":"neutral","sentiment_score":0.230278879404068},{"text":"Yeah.","start":15.955,"end":16.355,"sentiment":"positive","sentiment_score":0.4099382758140564},{"text":"That's good.","start":16.355,"end":17.415,"sentiment":"positive","sentiment_score":0.5872142016887665},{"text":"I had you both in just to kind of go through the rest of the the recommendations.","start":18.275,"end":22.935,"sentiment":"neutral","sentiment_score":0.25851210513535666}],"sentiment":"neutral","sentiment_score":0.2848368376493454,"num_words":25,"start":12.24,"end":22.935},{"sentences":[{"text":"Do you guys still have time this morning?","start":23.315,"end":25.015,"sentiment":"neutral","sentiment_score":0.051537797786295414},{"text":"Yes.","start":26.435001,"end":26.935001,"sentiment":"neutral","sentiment_score":0.1644067019224167},{"text":"Perfect.","start":27.21,"end":27.71,"sentiment":"positive","sentiment_score":0.34960508346557617},{"text":"Now because we already have gone through a bit.","start":27.849998,"end":30.029999,"sentiment":"neutral","sentiment_score":0.11731387674808502},{"text":"Hopefully, I won't keep you guys for too long this morning.","start":30.169998,"end":33.23,"sentiment":"neutral","sentiment_score":0.05588590692390095}],"sentiment":"neutral","sentiment_score":0.08656280115246773,"num_words":30,"start":23.315,"end":33.23},{"sentences":[{"text":"But before I do kind of jump in, I do need to let you both know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":33.61,"end":41.55,"sentiment":"neutral","sentiment_score":0.023597694809238116},{"text":"Perfect.","start":43.495,"end":43.995,"sentiment":"neutral","sentiment_score":0.2352193295955658},{"text":"And just as per last time, just for security purposes so that I can confirm I am speaking with the right people, could you just confirm full name, date of birth, and address, please?","start":44.695,"end":55.355,"sentiment":"neutral","sentiment_score":0.07503202568520517},{"text":"Yep.","start":65.07,"end":65.57,"sentiment":"neutral","sentiment_score":0.02667122147977352},{"text":"Yep.","start":72.205,"end":72.705,"sentiment":"neutral","sentiment_score":0.02980564348399639}],"sentiment":"neutral","sentiment_score":0.05299575988258889,"num_words":67,"start":33.61,"end":72.705},{"sentences":[{"text":"Yep.","start":73.565,"end":74.065,"sentiment":"neutral","sentiment_score":0.07925629615783691},{"text":"Perfect.","start":74.285,"end":74.785,"sentiment":"neutral","sentiment_score":0.17930863797664642},{"text":"And have you guys had a chance to look through anything or or not really?","start":75.405,"end":79.825,"sentiment":"neutral","sentiment_score":0.024937058364351592},{"text":"Okay.","start":84.86,"end":85.36,"sentiment":"neutral","sentiment_score":-0.015713533386588097},{"text":"No.","start":85.98,"end":86.48,"sentiment":"neutral","sentiment_score":-0.05536925792694092}],"sentiment":"neutral","sentiment_score":0.02955463254138043,"num_words":19,"start":73.565,"end":86.48},{"sentences":[{"text":"Yep.","start":92.875,"end":93.375,"sentiment":"neutral","sentiment_score":0.04563646763563156},{"text":"No.","start":94.555,"end":94.795006,"sentiment":"neutral","sentiment_score":0.008451070636510849},{"text":"That's all good.","start":94.795006,"end":95.935005,"sentiment":"neutral","sentiment_score":0.1367214247584343},{"text":"So what I will do today is just kind of briefly go through the rest of the recommendations with you guys.","start":96.235,"end":102.015,"sentiment":"neutral","sentiment_score":0.13085227601584934},{"text":"And then afterwards, you still have obviously some time to have a read over everything and decide what you would like to do.","start":102.955,"end":109.31,"sentiment":"neutral","sentiment_score":0.0994431629129078}],"sentiment":"neutral","sentiment_score":0.1122314766505543,"num_words":49,"start":92.875,"end":109.31},{"sentences":[{"text":"And if you do have any further questions, we can always book in for another catch up.","start":109.69,"end":114.270004,"sentiment":"neutral","sentiment_score":0.10507064137388678},{"text":"But do you guys have access to your emails again for that document?","start":114.57,"end":118.67,"sentiment":"neutral","sentiment_score":0.039134242930091344},{"text":"Just one of you is fine.","start":119.21,"end":120.49,"sentiment":"neutral","sentiment_score":0.12473490337530772},{"text":"Yep.","start":120.49,"end":120.945,"sentiment":"neutral","sentiment_score":0.07345938682556152},{"text":"Now yeah.","start":122.145,"end":123.265,"sentiment":"neutral","sentiment_score":0.1274813450872898}],"sentiment":"neutral","sentiment_score":0.08645583483844231,"num_words":39,"start":109.69,"end":123.265},{"sentences":[{"text":"Perfect.","start":123.265,"end":123.765,"sentiment":"neutral","sentiment_score":0.26741212606430054},{"text":"Now if you can jump into the document and scroll down to page let me see here.","start":123.905,"end":132.245,"sentiment":"neutral","sentiment_score":0.1069936051088221},{"text":"23.","start":135.04001,"end":136.18001,"sentiment":"neutral","sentiment_score":0.030657965689897537},{"text":"That's kind of where we stopped last time.","start":136.72,"end":139.78,"sentiment":"neutral","sentiment_score":0.04565383726730943},{"text":"Perfect.","start":142.32,"end":142.82,"sentiment":"positive","sentiment_score":0.6802823543548584}],"sentiment":"neutral","sentiment_score":0.11294551539633955,"num_words":28,"start":123.265,"end":142.82},{"sentences":[{"text":"So we basically have touched on, obviously, Quinn's recommendation for superannuation.","start":142.96,"end":147.78,"sentiment":"positive","sentiment_score":0.3758674887093631},{"text":"Then the next thing we were going to focus on is obviously the different contribution ways of trying to make things as tax effective for both of you, but also making sure that we are boosting both of your superannuation, but basically in the most tax effective way.","start":148.985,"end":165.95001,"sentiment":"positive","sentiment_score":0.41091891285032034},{"text":"Now one of the recommendations I have made for Quinn was when it comes to making those additional contributions.","start":166.65001,"end":173.15001,"sentiment":"neutral","sentiment_score":0.18624646922475413},{"text":"You mentioned when we did the, the first conversation that you were willing to put potentially a little bit into your if it was going to be the best for you.","start":174.41,"end":184.47499,"sentiment":"neutral","sentiment_score":0.15904368171768804},{"text":"But, obviously, with the income that you are on at the moment, doing it through salary sacrifice is not the most tax effective way because you are on, a very low income from that point, so the tax savings won't be as great.","start":184.775,"end":198.81,"sentiment":"negative","sentiment_score":-0.380677470374246}],"sentiment":"neutral","sentiment_score":0.10499050009897665,"num_words":152,"start":142.96,"end":198.81},{"sentences":[{"text":"So what I have recommended instead, it is a little bit different.","start":200.55,"end":205.03,"sentiment":"neutral","sentiment_score":0.038317560528715454},{"text":"It is called a government co contribution.","start":205.03,"end":207.93001,"sentiment":"neutral","sentiment_score":0.06725292173879487},{"text":"So if you did have a chance to have a read through the document, but, basically, what it is, it is a scheme where the government are basically having a strategy in place to help low and middle income earners boost their super.","start":209.025,"end":224.95999,"sentiment":"neutral","sentiment_score":0.201951659869316},{"text":"So how it works is that if you make a after tax contribution, so let's say just from your bank account into superannuation, the government make an additional contributions themselves to help boost that for you.","start":225.5,"end":240.985,"sentiment":"neutral","sentiment_score":0.25080487752954167},{"text":"Now how it is is that they will do a maximum of $500 if you are eligible.","start":241.68501,"end":248.425,"sentiment":"neutral","sentiment_score":0.1961573897039189}],"sentiment":"neutral","sentiment_score":0.191114380599364,"num_words":115,"start":200.55,"end":248.425},{"sentences":[{"text":"The eligibility criteria for this new financial year is that your income to get the full of 5 100, your income has to be under 49,293.","start":249.68501,"end":262.15,"sentiment":"neutral","sentiment_score":0.12266630650712894},{"text":"Now it is something that you can make at the end of this financial year.","start":262.85,"end":266.905,"sentiment":"neutral","sentiment_score":0.32268143196900684},{"text":"So it's not something you have to decide now even, and you can obviously see how, obviously, the business and and everything else is going.","start":266.905,"end":274.985,"sentiment":"neutral","sentiment_score":0.07296299695968628},{"text":"And then if it is that you are under that threshold, obviously, given we have rolled over to a new financial year, it is something that you can decide closer to the end of this financial year to make sure you're still eligible because, obviously, things can change in the meantime.","start":274.985,"end":288.71,"sentiment":"neutral","sentiment_score":0.07444980437410813},{"text":"So how it works is that if you put in a thousand dollars yourself, but from your bank account, the government will match 500 dollars.","start":290.61,"end":298.305,"sentiment":"neutral","sentiment_score":0.1155884613096714}],"sentiment":"neutral","sentiment_score":0.11648078822911205,"num_words":142,"start":249.68501,"end":298.305},{"sentences":[{"text":"That's probably, like, the most tax effective way.","start":298.685,"end":301.505,"sentiment":"neutral","sentiment_score":0.2042614482343197},{"text":"You can obviously put more in, but the max they will do is 500.","start":301.805,"end":305.26498,"sentiment":"neutral","sentiment_score":0.12191351556352206},{"text":"So by putting thousand in, they will put 500 and match it themselves, which is a really good incentive.","start":305.405,"end":311.69,"sentiment":"positive","sentiment_score":0.3936491553720675},{"text":"Does that make sense?","start":312.79,"end":314.01,"sentiment":"neutral","sentiment_score":0.2628760188817978},{"text":"Yep.","start":315.35,"end":315.83002,"sentiment":"neutral","sentiment_score":0.24103647470474243}],"sentiment":"neutral","sentiment_score":0.263320767523154,"num_words":46,"start":298.685,"end":315.83002},{"sentences":[{"text":"Perfect.","start":315.83002,"end":316.33002,"sentiment":"positive","sentiment_score":0.6593753099441528},{"text":"Now it is pretty straightforward.","start":317.19,"end":318.49002,"sentiment":"positive","sentiment_score":0.5947755813598633},{"text":"In the strategy paper, I have outlined some advantages in regards to it.","start":319.67,"end":324.075,"sentiment":"positive","sentiment_score":0.4454014759797316},{"text":"It is the most tax effective way where they literally just match 500.","start":324.23502,"end":327.915,"sentiment":"positive","sentiment_score":0.4516033369761247},{"text":"You don't have to pay tax on it or anything like that.","start":327.915,"end":330.23502,"sentiment":"positive","sentiment_score":0.3334938312570254}],"sentiment":"positive","sentiment_score":0.4385509490966797,"num_words":44,"start":315.83002,"end":330.23502},{"sentences":[{"text":"They just put that in to help boost your superannuation.","start":330.23502,"end":333.05502,"sentiment":"positive","sentiment_score":0.639025616645813},{"text":"This advantage, obviously, is that you will have a thousand dollars less in your cash account if something, you know, were to happen, and it is locked in until you meet a condition of a lease.","start":334.315,"end":344.81,"sentiment":"positive","sentiment_score":0.3890000854929288},{"text":"So, obviously, make sure you don't need that thousand dollars if something were to happen.","start":344.95,"end":348.89,"sentiment":"neutral","sentiment_score":-0.008340176939964295},{"text":"Yep.","start":350.31,"end":350.81,"sentiment":"neutral","sentiment_score":0.0017518848180770874},{"text":"One of the risk is that there can obviously be changes to superannuation and tax legislation if something were to happen, but, also, obviously, your income will be the biggest change.","start":351.095,"end":362.475,"sentiment":"neutral","sentiment_score":-0.2527585716978196}],"sentiment":"neutral","sentiment_score":0.1337139005622556,"num_words":93,"start":330.23502,"end":362.475},{"sentences":[{"text":"So, obviously, keep an eye on it if it was something you wanted to to do sooner.","start":363.575,"end":367.87,"sentiment":"neutral","sentiment_score":-0.06746995668200885},{"text":"Obviously, the the sooner you put the money in, the longer it will compound and be invested for you.","start":367.87,"end":374.44998,"sentiment":"neutral","sentiment_score":0.08311545790026062},{"text":"But, also, just be mindful that if your income does exceed a lot this year, that you may not be eligible for it.","start":374.50998,"end":382.21,"sentiment":"neutral","sentiment_score":-0.21885475192380988},{"text":"Yeah.","start":383.475,"end":383.79498,"sentiment":"neutral","sentiment_score":0.09023861587047576},{"text":"Does that make sense?","start":383.79498,"end":384.935,"sentiment":"neutral","sentiment_score":0.09701384510844946}],"sentiment":"neutral","sentiment_score":-0.06442438845988363,"num_words":64,"start":363.575,"end":384.935},{"sentences":[{"text":"Perfect.","start":386.995,"end":387.495,"sentiment":"neutral","sentiment_score":-0.028375353664159775},{"text":"And now other alternatives like I mentioned, I did consider, obviously, salary sacrifice wasn't very tax effective for you or even just making personal contributions, claiming an NOI on that.","start":388.195,"end":399.78,"sentiment":"neutral","sentiment_score":-0.2256030117472013},{"text":"But, again, because of your income, it's not the most tax effective.","start":399.78,"end":403.06,"sentiment":"negative","sentiment_score":-0.37201881657044095},{"text":"The the kind of highest return rate is this government co contribution strategy.","start":403.06,"end":407.96,"sentiment":"neutral","sentiment_score":0.2217365285524955},{"text":"So it is pretty straightforward.","start":408.18,"end":409.56,"sentiment":"positive","sentiment_score":0.44783095717430116}],"sentiment":"neutral","sentiment_score":-0.10063871881756627,"num_words":61,"start":386.995,"end":409.56},{"sentences":[{"text":"Yep.","start":411.555,"end":412.055,"sentiment":"neutral","sentiment_score":0.2468872666358948},{"text":"Any questions before I move on to the next contribution strategy?","start":412.435,"end":416.69498,"sentiment":"neutral","sentiment_score":0.12091699445789511},{"text":"It'll auto Correct.","start":425.89,"end":427.97,"sentiment":"neutral","sentiment_score":0.1310175284743309},{"text":"So what you'll do is you'll just put a thousand dollars in, and then the government will automatically put it into your superannuation When you do, like, your tax return and everything and they see that you are a lower middle middle income earner, you have made that contribution.","start":427.97,"end":443.01498,"sentiment":"neutral","sentiment_score":0.21423382205622538},{"text":"So you don't have to do anything.","start":443.01498,"end":444.455,"sentiment":"neutral","sentiment_score":0.2023921353476388}],"sentiment":"neutral","sentiment_score":0.1955525213983697,"num_words":71,"start":411.555,"end":444.455},{"sentences":[{"text":"They will just put that in automatically.","start":444.455,"end":446.235,"sentiment":"neutral","sentiment_score":0.19228394755295344},{"text":"Yep.","start":447.99,"end":448.49,"sentiment":"neutral","sentiment_score":0.05927842855453491},{"text":"Any other questions?","start":449.35,"end":450.33,"sentiment":"neutral","sentiment_score":0.02601387972633044},{"text":"No.","start":451.91,"end":452.41,"sentiment":"neutral","sentiment_score":-0.12072449922561646},{"text":"Perfect.","start":452.55,"end":453.05,"sentiment":"neutral","sentiment_score":0.21863162517547607}],"sentiment":"neutral","sentiment_score":0.12163190973492768,"num_words":13,"start":444.455,"end":453.05},{"sentences":[{"text":"Now the the next strategy I have done is on page 26.","start":453.67,"end":458.57,"sentiment":"neutral","sentiment_score":0.09593033231794834},{"text":"So this is kind of a little bit like we were touching on for both of you guys when it comes to different spousal contribution strategies.","start":458.71,"end":467.415,"sentiment":"neutral","sentiment_score":0.13077490031719208},{"text":"So, essentially, there are two ways you can make spousal contributions.","start":467.475,"end":470.935,"sentiment":"neutral","sentiment_score":0.16688482598824936},{"text":"One is what I have recommended, and the other one is that contribution splitting.","start":471.95502,"end":476.935,"sentiment":"neutral","sentiment_score":0.12513282522559166},{"text":"Now I think that was kind of what we were touching on first, Alan, and I think that is something you touched on with my sorry.","start":477.40997,"end":485.33,"sentiment":"neutral","sentiment_score":-0.025049213463297255}],"sentiment":"neutral","sentiment_score":0.0841306121915244,"num_words":89,"start":453.67,"end":485.33},{"sentences":[{"text":"Do you guys hear my dog?","start":485.33,"end":486.71,"sentiment":"neutral","sentiment_score":-0.16760706529021263},{"text":"Yes.","start":487.88998,"end":488.37,"sentiment":"neutral","sentiment_score":0.05595369637012482},{"text":"Sorry.","start":488.37,"end":488.68997,"sentiment":"neutral","sentiment_score":-0.09080864489078522},{"text":"I'm just working from home today, and it's just a delivery.","start":488.68997,"end":491.34998,"sentiment":"neutral","sentiment_score":-0.052230736071413215},{"text":"So I'll just let her outside because she sounds aggressive, but she's harmless.","start":492.285,"end":498.125,"sentiment":"neutral","sentiment_score":-0.07041824780977689}],"sentiment":"neutral","sentiment_score":-0.07907727058045566,"num_words":32,"start":485.33,"end":498.125},{"sentences":[{"text":"She's a little loud.","start":498.125,"end":499.185,"sentiment":"negative","sentiment_score":-0.39874227344989777},{"text":"So apologies for that.","start":500.60498,"end":502.38498,"sentiment":"negative","sentiment_score":-0.4266978055238724},{"text":"Now like I said, there are two different contributions for spousal.","start":503.405,"end":507.16498,"sentiment":"neutral","sentiment_score":-0.08729630878025835},{"text":"So there's spousal splitting, which is basically where Alan decides to give up a portion of his contributions going into Quinn's superannuation.","start":507.16498,"end":515.32,"sentiment":"neutral","sentiment_score":-0.035798941146243705},{"text":"It was something I did consider, but for, like, a overall situation, it wasn't the most tax effective, and that is essentially because Alan is already above the concessional contribution cap.","start":516.42,"end":527.855,"sentiment":"neutral","sentiment_score":-0.2206205680005012}],"sentiment":"neutral","sentiment_score":-0.16512269480153918,"num_words":72,"start":498.125,"end":527.855},{"sentences":[{"text":"Now to make it very tax effective, it would be if Alan was quite below the contribution cap, then Alan's salary sacrificing into his superannuation because he is on a high tax bracket, splitting some of those contribution with UQIN would be the most tax effective.","start":528.63495,"end":547.17,"sentiment":"neutral","sentiment_score":-0.03407309446281389},{"text":"But because of, obviously, Alan being receiving quite a lot of contributions already through superannuation and, obviously, the salary sacrifice you are doing and kind of exceeding that cap space, it wasn't as effective.","start":547.55,"end":560.295,"sentiment":"neutral","sentiment_score":-0.18222114630043507},{"text":"So what I have recommended instead, it is something that's called spousal contribution.","start":560.355,"end":565.17004,"sentiment":"neutral","sentiment_score":0.009873047471046448},{"text":"So it's not where Alan touches any of his contributions himself, instead makes an additional contribution.","start":566.35004,"end":573.17004,"sentiment":"neutral","sentiment_score":0.008683771127834916},{"text":"Now how it works is if Alan decides to put in $3,000 into Queen's Super, and, again, this is after tax contribution.","start":574.59,"end":584.025,"sentiment":"neutral","sentiment_score":0.2029502368108793}],"sentiment":"neutral","sentiment_score":-0.02313500881294599,"num_words":131,"start":528.63495,"end":584.025},{"sentences":[{"text":"So it can be from your your bank account or anything like that, puts it into Queen's Superannuation.","start":584.16504,"end":589.86505,"sentiment":"neutral","sentiment_score":0.20148252240485615},{"text":"Because of it, he can get a tax offset of 18% of the contributions made, which equates to about $540 per financial year.","start":591.125,"end":603.72,"sentiment":"neutral","sentiment_score":0.24578895419836044},{"text":"Does that make sense?","start":604.18,"end":605.32,"sentiment":"neutral","sentiment_score":0.11044377274811268},{"text":"Yeah.","start":606.825,"end":607.145,"sentiment":"neutral","sentiment_score":0.3043879270553589},{"text":"And, obviously, tax offset can be a little bit more beneficial than, like, a tax deduction deduction because the tax offset is essentially where you deduct directly from the final amount of your tax.","start":607.145,"end":621.09,"sentiment":"neutral","sentiment_score":0.2666081063011113}],"sentiment":"neutral","sentiment_score":0.2386333747766912,"num_words":80,"start":584.16504,"end":621.09},{"sentences":[{"text":"So it's basically a dollar for dollar discount.","start":621.09,"end":624.55005,"sentiment":"neutral","sentiment_score":0.28564078733325005},{"text":"So it is pretty good.","start":625.09,"end":626.39,"sentiment":"positive","sentiment_score":0.7733203172683716},{"text":"So it is a way where Queen, you can pour a little bit more into super.","start":626.85004,"end":630.71,"sentiment":"positive","sentiment_score":0.6233645062893629},{"text":"At the same time, Alan will get that tax offset.","start":630.93005,"end":633.75,"sentiment":"positive","sentiment_score":0.3686147999018431},{"text":"So kind of factoring in for both of you, it was the most tax effective way in making sure that we've boost Queen's superannuation while also giving Alan a little bit of that tax offset given he is on the highest income.","start":634.055,"end":646.39496,"sentiment":"positive","sentiment_score":0.5568516595023019}],"sentiment":"positive","sentiment_score":0.5333268849846021,"num_words":81,"start":621.09,"end":646.39496},{"sentences":[{"text":"Does that make sense?","start":647.49005,"end":648.63,"sentiment":"neutral","sentiment_score":0.22664989158511162},{"text":"Yep.","start":649.81006,"end":650.31006,"sentiment":"neutral","sentiment_score":0.2126609981060028},{"text":"But, again, these are just recommendations in trying to boost super for for both of you while also making it tax effective.","start":650.37006,"end":658.47003,"sentiment":"positive","sentiment_score":0.5143402273004706},{"text":"Like I said last time, it is completely up to you whether you wanted to do all of these contribution strategies or just one or see how you go.","start":658.53,"end":666.69495,"sentiment":"neutral","sentiment_score":0.2906592930185384},{"text":"And, again, it does depend on, Quinn's income at the end of the financial year.","start":666.995,"end":672.27496,"sentiment":"neutral","sentiment_score":0.06367309341828029}],"sentiment":"neutral","sentiment_score":0.30730931639251574,"num_words":71,"start":647.49005,"end":672.27496},{"sentences":[{"text":"So if it is something that you just wanna hold off, see whatever happens, because obviously, just rolled into that new financial year, so there's obviously a bit of time where things can change.","start":672.27496,"end":681.16003,"sentiment":"neutral","sentiment_score":-0.054494956398711485},{"text":"It is completely up to you guys.","start":681.46,"end":682.82,"sentiment":"neutral","sentiment_score":0.25852944808346884},{"text":"It's not something you even have to decide what if you wanted to do now or not.","start":682.82,"end":687.0,"sentiment":"neutral","sentiment_score":0.0694583733292187},{"text":"Mhmm.","start":691.235,"end":691.735,"sentiment":"neutral","sentiment_score":0.06263613700866699},{"text":"Yes.","start":693.555,"end":694.055,"sentiment":"neutral","sentiment_score":0.102187879383564}],"sentiment":"neutral","sentiment_score":0.02170823303361734,"num_words":60,"start":672.27496,"end":694.055},{"sentences":[{"text":"Yes.","start":695.155,"end":695.655,"sentiment":"neutral","sentiment_score":0.06947186589241028},{"text":"Correct.","start":698.995,"end":699.495,"sentiment":"neutral","sentiment_score":0.10899154841899872},{"text":"Yeah.","start":701.32,"end":701.82,"sentiment":"neutral","sentiment_score":0.05254393070936203},{"text":"So if it was that you did it last financial year, they would have then put it in.","start":702.12,"end":707.42004,"sentiment":"neutral","sentiment_score":0.02879475098517206},{"text":"But because they have rolled into a new financial year, it has to be done the the contribution has to be made that financial year.","start":707.72003,"end":716.125,"sentiment":"neutral","sentiment_score":0.07016732141375542}],"sentiment":"neutral","sentiment_score":0.05442382387169029,"num_words":46,"start":695.155,"end":716.125},{"sentences":[{"text":"Correct.","start":721.305,"end":721.805,"sentiment":"neutral","sentiment_score":0.05922951549291611},{"text":"Yes.","start":722.185,"end":722.685,"sentiment":"neutral","sentiment_score":0.047702472656965256},{"text":"Yep.","start":724.105,"end":724.605,"sentiment":"neutral","sentiment_score":0.011684570461511612},{"text":"So, obviously, time was a bit crunch time getting so close to the end of this money into a year.","start":725.12,"end":729.86,"sentiment":"neutral","sentiment_score":-0.2859411545097828},{"text":"But even if it was that we did it, let's say, last week, obviously, opening up accounts and doing everything with the money would have been really crunch time because, also, with the super funds and the administration process, it can take a little bit for things to get into place as well.","start":730.8,"end":747.075,"sentiment":"neutral","sentiment_score":-0.16881226691997275}],"sentiment":"neutral","sentiment_score":-0.19141127208345815,"num_words":76,"start":721.305,"end":747.075},{"sentences":[{"text":"Yep.","start":748.255,"end":748.755,"sentiment":"neutral","sentiment_score":0.20123332738876343},{"text":"But this is also something that if your situation, Quinn, stays the same for a couple of years, it is something you can do each financial year as well.","start":749.695,"end":758.01,"sentiment":"neutral","sentiment_score":0.2895575314760208},{"text":"But, obviously, it is something that I recommend we reassess as we go.","start":758.23004,"end":762.57,"sentiment":"neutral","sentiment_score":0.20058827560681564},{"text":"Obviously, if your situation changed, then, obviously, the business is making a lot more money and you decide to obviously draw an income a lot more, other investments are making obviously money, then it is something we should reassess just to make sure it still aligns with both of you.","start":763.03,"end":778.245,"sentiment":"neutral","sentiment_score":0.14614367142319679},{"text":"Yes.","start":779.425,"end":779.925,"sentiment":"neutral","sentiment_score":0.14554721117019653}],"sentiment":"neutral","sentiment_score":0.1984976606958724,"num_words":94,"start":748.255,"end":779.925},{"sentences":[{"text":"Any questions about that?","start":780.22504,"end":781.585,"sentiment":"neutral","sentiment_score":0.1109861209988594},{"text":"Oh, that's pretty straightforward as well.","start":781.585,"end":783.525,"sentiment":"positive","sentiment_score":0.43796518445014954},{"text":"So he would just have to put it in, essentially.","start":791.57,"end":794.21,"sentiment":"neutral","sentiment_score":0.022217254713177682},{"text":"Whether that come from a joint bank account or not, it doesn't really matter as long as he's the one making that contribution, and we would then assist with all the administrative side of it.","start":794.21,"end":805.645,"sentiment":"neutral","sentiment_score":0.1185246221188988},{"text":"So whether that is actually from Queen, let's say, you transfer money into your joint bank account, as long as it is a bank account, obviously, that Alan is also part of, and then Alan makes it that way, there's no way of them, obviously, knowing if you transferred, let's say, 3,000 into your joint account and then Alan made it that way.","start":805.645,"end":825.315,"sentiment":"neutral","sentiment_score":0.09982850745556847}],"sentiment":"neutral","sentiment_score":0.11636835492957952,"num_words":118,"start":780.22504,"end":825.315},{"sentences":[{"text":"As long as it's kind of registered that Alan made the contribution.","start":825.475,"end":828.775,"sentiment":"neutral","sentiment_score":0.14908764200905958},{"text":"But we can also assist with how to do it.","start":829.555,"end":832.995,"sentiment":"neutral","sentiment_score":0.17488027960062028},{"text":"So there are when you are doing it with hub twenty four, for example, they have a lot of different codes depending on how you want to put it in.","start":832.995,"end":839.64,"sentiment":"neutral","sentiment_score":0.09358773616453012},{"text":"And that's where we would then obviously assist with directing, okay, use this code or here's the form to do it this way.","start":839.88,"end":846.86,"sentiment":"neutral","sentiment_score":0.15753913282052331},{"text":"So make sure it then gets, like, added into the the correct way of doing it.","start":847.0,"end":850.76,"sentiment":"neutral","sentiment_score":0.24237910937517881}],"sentiment":"neutral","sentiment_score":0.1521643119772057,"num_words":91,"start":825.475,"end":850.76},{"sentences":[{"text":"Because there's a lot of different type of contributions you can make, and it does make it a little bit tricky as well.","start":850.76,"end":856.165,"sentiment":"neutral","sentiment_score":-0.0991967105023239},{"text":"But that is something that we would assist.","start":856.165,"end":857.785,"sentiment":"neutral","sentiment_score":0.026732163038104773},{"text":"Yep.","start":859.52496,"end":860.02496,"sentiment":"neutral","sentiment_score":0.07382243871688843},{"text":"Correct.","start":865.605,"end":866.105,"sentiment":"neutral","sentiment_score":0.02642900124192238},{"text":"Yes.","start":867.60004,"end":868.10004,"sentiment":"neutral","sentiment_score":0.04833699017763138}],"sentiment":"neutral","sentiment_score":-0.05644348844447557,"num_words":34,"start":850.76,"end":868.10004},{"sentences":[{"text":"Yeah.","start":868.16003,"end":868.48004,"sentiment":"neutral","sentiment_score":0.016399677842855453},{"text":"Not just, okay.","start":868.48004,"end":869.28,"sentiment":"neutral","sentiment_score":-0.00691172977288564},{"text":"Off you go.","start":869.28,"end":870.0,"sentiment":"neutral","sentiment_score":0.003015493042767048},{"text":"And then you could do it a different way.","start":870.0,"end":872.08,"sentiment":"neutral","sentiment_score":-0.004464892980953057},{"text":"No.","start":872.08,"end":872.32,"sentiment":"neutral","sentiment_score":-0.054497405886650085}],"sentiment":"neutral","sentiment_score":-0.005292380886042819,"num_words":17,"start":868.16003,"end":872.32},{"sentences":[{"text":"We would help through all of all of that.","start":872.32,"end":874.24005,"sentiment":"neutral","sentiment_score":-0.0009314844177828894},{"text":"But it is a good question, though.","start":874.24005,"end":875.86005,"sentiment":"neutral","sentiment_score":0.08963384692158018},{"text":"Now, again, very similar, obviously, when it comes to advantages disadvantages and risk.","start":879.375,"end":884.435,"sentiment":"neutral","sentiment_score":-0.027323770981568556},{"text":"Obviously, an advantage is that it will help boost quince your preannuation.","start":884.57495,"end":888.195,"sentiment":"positive","sentiment_score":0.33472924679517746},{"text":"Again, give Alan that tax offset, which is great.","start":888.89496,"end":892.11,"sentiment":"positive","sentiment_score":0.36597944961653817}],"sentiment":"neutral","sentiment_score":0.15148821108043195,"num_words":50,"start":872.32,"end":892.11},{"sentences":[{"text":"Obviously, disadvantage, you will have $3,000 less in cash if something were to happen.","start":893.07,"end":898.58997,"sentiment":"neutral","sentiment_score":-0.12377801058547837},{"text":"It is locked in till contribution sorry.","start":898.58997,"end":901.47,"sentiment":"neutral","sentiment_score":-0.0926753037742206},{"text":"It is locked in until you make additional release again.","start":901.47,"end":904.13,"sentiment":"neutral","sentiment_score":-0.10048096999526024},{"text":"Similar risk, obviously, if Queen's income just increases a lot this financial year, that could obviously change thing.","start":905.725,"end":914.365,"sentiment":"neutral","sentiment_score":-0.07708499539229605},{"text":"Also, future changes in legislation.","start":914.365,"end":917.345,"sentiment":"neutral","sentiment_score":-0.0801037646830082}],"sentiment":"neutral","sentiment_score":-0.09582366138972619,"num_words":54,"start":893.07,"end":917.345},{"sentences":[{"text":"Often often, they do make the changes at their financial year, though, and because they've kind of already have set them.","start":917.64496,"end":923.72003,"sentiment":"neutral","sentiment_score":-0.05257874798207056},{"text":"But, obviously, it is something that can always change.","start":924.02,"end":927.16003,"sentiment":"neutral","sentiment_score":-0.09262250529395209},{"text":"So something to be mindful of.","start":927.38,"end":929.24,"sentiment":"neutral","sentiment_score":-0.06876532050470512},{"text":"Yep.","start":930.66003,"end":931.16003,"sentiment":"neutral","sentiment_score":0.030732687562704086},{"text":"Now any other questions before I move on to Alan's superannuation?","start":932.26,"end":936.60504,"sentiment":"neutral","sentiment_score":0.0334933806549419}],"sentiment":"neutral","sentiment_score":-0.04064975632354617,"num_words":48,"start":917.64496,"end":936.60504},{"sentences":[{"text":"Nope.","start":938.98505,"end":939.48505,"sentiment":"neutral","sentiment_score":0.020841805264353752},{"text":"Yep.","start":940.34503,"end":940.84503,"sentiment":"neutral","sentiment_score":0.17359596490859985},{"text":"Perfect.","start":941.065,"end":941.565,"sentiment":"positive","sentiment_score":0.35303178429603577},{"text":"Now I have already touched a little bit on the recommendation for you, Alan, last time, but, essentially, I have recommended that you stay in hub twenty four, change some of those underlying investments that we went through, and then add that family linking to give you both a bit of a discount on those administration fees.","start":942.34503,"end":960.86,"sentiment":"neutral","sentiment_score":0.21352330712895645},{"text":"Again, every time we do make a recommendation, I do consider a lot of different alternative to the funds as well just to make sure because there are always things that are continuously changing.","start":961.53503,"end":972.675,"sentiment":"neutral","sentiment_score":0.1605231887934839}],"sentiment":"neutral","sentiment_score":0.1933626221255102,"num_words":94,"start":938.98505,"end":972.675},{"sentences":[{"text":"So it is important to make sure that even though we originally recommended Hub twenty four, that that's still aligned with everything.","start":973.29504,"end":979.64,"sentiment":"neutral","sentiment_score":0.2005152092738585},{"text":"Because, yeah, things are always changing.","start":980.5,"end":982.36005,"sentiment":"neutral","sentiment_score":0.049125008285045624},{"text":"And that's not just a in a couple of years, if there's a new product that comes out that is more competitive than Hub 24, there is nothing that ties us to hub 24 if it's going to be the best for both of you.","start":982.74,"end":993.435,"sentiment":"neutral","sentiment_score":0.23408432635996076},{"text":"Yep.","start":994.775,"end":995.275,"sentiment":"neutral","sentiment_score":0.129967600107193},{"text":"Now if you can basically scroll down to page 32 for me, it kind of summarizes everything in a table similar to what we did for Quinn.","start":995.65497,"end":1008.25,"sentiment":"neutral","sentiment_score":0.10893383594574751}],"sentiment":"neutral","sentiment_score":0.1812976288175819,"num_words":101,"start":973.29504,"end":1008.25},{"sentences":[{"text":"Yep.","start":1009.99,"end":1010.49,"sentiment":"neutral","sentiment_score":0.10472039878368378},{"text":"Now what you will see here in the balance difference, it's obviously not an upfront fee, what it which it was for Quinn.","start":1010.71,"end":1017.505,"sentiment":"neutral","sentiment_score":-0.004646338704649521},{"text":"The difference here is the estimated capital gains tax.","start":1017.965,"end":1022.305,"sentiment":"neutral","sentiment_score":-0.08709508263402516},{"text":"So when we make changes to investments, if they have gone up as well, there will be capital gains tax.","start":1023.16504,"end":1030.68,"sentiment":"neutral","sentiment_score":-0.0777067169547081},{"text":"Now like I talked to them last time, that is all within the superannuation environment and something that they will manage and and do.","start":1031.2401,"end":1038.7001,"sentiment":"neutral","sentiment_score":-0.019556258494655292}],"sentiment":"neutral","sentiment_score":-0.036486826988251564,"num_words":77,"start":1009.99,"end":1038.7001},{"sentences":[{"text":"That's something to be mindful of.","start":1038.8401,"end":1040.8401,"sentiment":"neutral","sentiment_score":-0.05872076377272606},{"text":"So I've tried to minimize that as much as possible for you by still making sure that we are swapping it through the best investment.","start":1040.8401,"end":1049.415,"sentiment":"neutral","sentiment_score":0.03467316418886185},{"text":"Now just for your reference, if I were to do a full sell down, so let's say change all of your investments, the capital gains tax was approximately 5,676.","start":1050.035,"end":1062.57,"sentiment":"neutral","sentiment_score":-0.008146843070100093},{"text":"So, obviously, try to reduce that as much as possible.","start":1063.19,"end":1066.33,"sentiment":"neutral","sentiment_score":0.05348887890577316},{"text":"Now it is also fluctuating and can vary a little bit because the prices of everything does change on the daily, but it is estimated at around that 1,392.","start":1066.63,"end":1079.5951,"sentiment":"neutral","sentiment_score":-0.0478635518972216}],"sentiment":"neutral","sentiment_score":-0.005807152958680885,"num_words":99,"start":1038.8401,"end":1079.5951},{"sentences":[{"text":"And, again, that is just for the capital gains tax paid within the super environment.","start":1079.7351,"end":1084.0751,"sentiment":"neutral","sentiment_score":-0.009982251127560933},{"text":"Yep.","start":1085.99,"end":1086.49,"sentiment":"neutral","sentiment_score":0.11495804786682128},{"text":"Now you can see here the admin fee and the investment fee are the biggest change.","start":1086.95,"end":1091.85,"sentiment":"neutral","sentiment_score":0.1289684809744358},{"text":"So like I touched on the family linking, we will see that admin fee being reduced for around a $163 per year, which, again, does make a bit of a difference when you compound everything.","start":1092.87,"end":1105.905,"sentiment":"neutral","sentiment_score":0.2871845820120403},{"text":"And, obviously, as your super balance grows, same with Quinn, you will get more of that savings as your balance grows.","start":1105.965,"end":1113.185,"sentiment":"positive","sentiment_score":0.43290353814760846}],"sentiment":"neutral","sentiment_score":0.2405813028189269,"num_words":88,"start":1079.7351,"end":1113.185},{"sentences":[{"text":"Yep.","start":1115.1699,"end":1115.25,"sentiment":"neutral","sentiment_score":0.06936370581388474},{"text":"Now the biggest thing is what you can actually see the investment fee change.","start":1115.25,"end":1119.99,"sentiment":"neutral","sentiment_score":0.09254098044974464},{"text":"So even though we are recommending that you increase the risk exposure a little bit up to that high growth, given you do still have plenty of time until retirement.","start":1120.21,"end":1129.395,"sentiment":"neutral","sentiment_score":0.064545771976312},{"text":"The investment fees alone are still quite a bit cheaper, which is really good.","start":1130.575,"end":1135.875,"sentiment":"positive","sentiment_score":0.6757661870547703},{"text":"Yep.","start":1137.375,"end":1137.875,"sentiment":"positive","sentiment_score":0.4593501687049866}],"sentiment":"neutral","sentiment_score":0.22035645631452402,"num_words":60,"start":1115.1699,"end":1137.875},{"sentences":[{"text":"And that is saving about 800 and $66 per year, which, again, makes a pretty big difference.","start":1138.255,"end":1146.0399,"sentiment":"positive","sentiment_score":0.5069016411023981},{"text":"Other fees are also reduced, which is great.","start":1147.46,"end":1150.1,"sentiment":"positive","sentiment_score":0.514222614467144},{"text":"Stays you about $69.","start":1150.1,"end":1152.2,"sentiment":"positive","sentiment_score":0.47264616936445236},{"text":"So, again, overall, pretty good saving in just the platform and the investment fee.","start":1152.4199,"end":1158.275,"sentiment":"positive","sentiment_score":0.6317543940884727},{"text":"Now what you will also see is the discount in the adviser servicing fee, and that is if, obviously, Quinn decides to come on board because exactly.","start":1159.4551,"end":1170.97,"sentiment":"neutral","sentiment_score":0.1930585520135032}],"sentiment":"positive","sentiment_score":0.409697655907699,"num_words":70,"start":1138.255,"end":1170.97},{"sentences":[{"text":"Because you will then be on the couple fee, which will see it reduced to 1.1% instead of the standard 1.65.","start":1170.97,"end":1179.47,"sentiment":"neutral","sentiment_score":0.19201801965634027},{"text":"So you can see that it will save you quite a bit as well in just that discounted adviser service fee.","start":1179.53,"end":1185.585,"sentiment":"positive","sentiment_score":0.37002192792438326},{"text":"Yep.","start":1187.345,"end":1187.585,"sentiment":"neutral","sentiment_score":0.09307499974966048},{"text":"Now the contribution you can see have been reduced in the recommended, and I will go through that on the next couple of pages.","start":1187.585,"end":1195.365,"sentiment":"neutral","sentiment_score":0.09002295881509781},{"text":"But, basically, what you can see that even though I have projected the recommendation forward for five and ten years, which factors in as the reduction in the contributions, the reduction in adviser fee, reduction in fees, along with the capital gains tax, it's still making at about $53,000 difference in about five years, which is a pretty crazy difference given you are also reducing contribution.","start":1196.3049,"end":1224.025,"sentiment":"neutral","sentiment_score":0.017436748060087364}],"sentiment":"neutral","sentiment_score":0.11434052843964637,"num_words":133,"start":1170.97,"end":1224.025},{"sentences":[{"text":"Yep.","start":1225.8451,"end":1226.3451,"sentiment":"neutral","sentiment_score":0.05123325809836387},{"text":"Now similar for for claim, you can see your return.","start":1226.805,"end":1231.25,"sentiment":"neutral","sentiment_score":0.09768987745046616},{"text":"So on your current portfolio in hub twenty four, using that five year rolling average of about 9.95%, recommended at about 12.55%, which is obviously a little bit better, which is great.","start":1231.31,"end":1247.715,"sentiment":"neutral","sentiment_score":0.13226010301150382},{"text":"Now, obviously, in a high growth portfolio, you can see more fluctuations in the short term because you do have a higher portion allocated through those growth investments.","start":1247.855,"end":1258.5199,"sentiment":"neutral","sentiment_score":0.09486471861600876},{"text":"The long term, we should obviously see those returns, being better than in a growth portfolio.","start":1259.2999,"end":1266.12,"sentiment":"neutral","sentiment_score":0.16647464060224593}],"sentiment":"neutral","sentiment_score":0.12161220344661296,"num_words":87,"start":1225.8451,"end":1266.12},{"sentences":[{"text":"Yep.","start":1267.855,"end":1268.175,"sentiment":"neutral","sentiment_score":0.06470374017953873},{"text":"Does that make sense?","start":1268.175,"end":1269.315,"sentiment":"neutral","sentiment_score":0.08468851074576378},{"text":"Yep.","start":1271.215,"end":1271.695,"sentiment":"positive","sentiment_score":0.372786283493042},{"text":"Perfect.","start":1271.695,"end":1272.195,"sentiment":"positive","sentiment_score":0.7080335021018982},{"text":"Now on the next page, you can then see the the contribution sorry.","start":1272.655,"end":1279.53,"sentiment":"neutral","sentiment_score":0.16752250148699835}],"sentiment":"neutral","sentiment_score":0.18310350440442563,"num_words":20,"start":1267.855,"end":1279.53},{"sentences":[{"text":"You can then see everything fast forward, five and the ten years.","start":1279.53,"end":1282.9701,"sentiment":"neutral","sentiment_score":0.14692589330176511},{"text":"Again, it's not something we obviously can guarantee because you never know what's going to happen with the market.","start":1282.9701,"end":1288.75,"sentiment":"neutral","sentiment_score":0.014777994861728266},{"text":"So that is, again, why we use a five year rolling average.","start":1288.81,"end":1292.1901,"sentiment":"neutral","sentiment_score":0.12015970113376777},{"text":"But you can even see twelve months, three years, five years, and ten year time frame to see that again even on a shorter period where we have had a bit of in the last twelve months, the high growth portfolio still has outperformed your current growth portfolio.","start":1292.375,"end":1309.6101,"sentiment":"neutral","sentiment_score":0.3011954290171464},{"text":"Yep.","start":1311.3501,"end":1311.8501,"sentiment":"neutral","sentiment_score":0.2539304494857788}],"sentiment":"neutral","sentiment_score":0.19779478345552218,"num_words":92,"start":1279.53,"end":1311.8501},{"sentences":[{"text":"Perfect.","start":1311.91,"end":1312.41,"sentiment":"positive","sentiment_score":0.546786904335022},{"text":"Now I have made a little note here as well just in regards to that division two nine three that will be applicable for you, obviously, being a high income earner, which you obviously would know.","start":1313.3501,"end":1323.545,"sentiment":"neutral","sentiment_score":0.15023583504888746},{"text":"And when you guys do your tax return, you can then obviously choose whether you want that to come out of super or whether you wanna pay for it yourself.","start":1323.545,"end":1330.845,"sentiment":"neutral","sentiment_score":0.09102465957403183},{"text":"The choice is up to you.","start":1340.21,"end":1341.83,"sentiment":"neutral","sentiment_score":0.045305789137880005},{"text":"Sometimes people just don't want to pay for it from their cash flow, so they take it from superannuation.","start":1342.13,"end":1348.105,"sentiment":"neutral","sentiment_score":-0.08021475806048042}],"sentiment":"neutral","sentiment_score":0.08080185961950084,"num_words":92,"start":1311.91,"end":1348.105},{"sentences":[{"text":"So it it kind of depends on what your cash flow situation is like.","start":1349.0449,"end":1353.385,"sentiment":"neutral","sentiment_score":-0.027288360787289485},{"text":"Because it's the same amount, obviously, something to factor in is, well, if it comes from your cash flow that just sits in a savings account, what's the returns you're getting on those investments versus if you take it out of superannuation?","start":1354.325,"end":1366.78,"sentiment":"neutral","sentiment_score":0.02086807069385291},{"text":"Yeah.","start":1368.84,"end":1369.34,"sentiment":"neutral","sentiment_score":0.05050947144627571},{"text":"Yeah.","start":1370.4401,"end":1370.68,"sentiment":"neutral","sentiment_score":0.11400668323040009},{"text":"It's something that you can decide depending on how much you you want the money, like, needed from the cash flow or whether you wanna take it from superannuation.","start":1370.68,"end":1379.255,"sentiment":"neutral","sentiment_score":0.0617195079424258}],"sentiment":"neutral","sentiment_score":0.028147170150882684,"num_words":87,"start":1349.0449,"end":1379.255},{"sentences":[{"text":"Yes.","start":1381.235,"end":1381.735,"sentiment":"neutral","sentiment_score":0.08081190288066864},{"text":"Yes.","start":1382.2749,"end":1382.7749,"sentiment":"neutral","sentiment_score":0.16097265481948853},{"text":"Perfect.","start":1383.3949,"end":1383.8949,"sentiment":"positive","sentiment_score":0.4076184034347534},{"text":"And now with investments, it is same as what I recommended for Quinn.","start":1384.195,"end":1389.075,"sentiment":"neutral","sentiment_score":0.1798943693821247},{"text":"So on page 34, you can see the the recommendation.","start":1389.075,"end":1393.2201,"sentiment":"neutral","sentiment_score":0.13458340018987655}],"sentiment":"neutral","sentiment_score":0.16668706788466528,"num_words":26,"start":1381.235,"end":1393.2201},{"sentences":[{"text":"So you can again see your current investments.","start":1393.36,"end":1395.7001,"sentiment":"neutral","sentiment_score":0.1061933459714055},{"text":"You can see your current balance and the current weight into those investments.","start":1395.92,"end":1399.86,"sentiment":"neutral","sentiment_score":0.05558977877864471},{"text":"You can then see the buy and sell.","start":1400.64,"end":1402.64,"sentiment":"neutral","sentiment_score":0.09269898384809494},{"text":"So all the thing in red is what we are selling.","start":1402.64,"end":1406.025,"sentiment":"neutral","sentiment_score":0.07750207151878964},{"text":"Now you can see that we are not selling all of them.","start":1406.025,"end":1409.245,"sentiment":"neutral","sentiment_score":-0.15997516829520464}],"sentiment":"neutral","sentiment_score":0.02397358711235798,"num_words":52,"start":1393.36,"end":1409.245},{"sentences":[{"text":"Some are just being rebalanced.","start":1409.545,"end":1411.0851,"sentiment":"neutral","sentiment_score":-0.06839144583791494},{"text":"So you can see that then along investments, we are changing the ClearBridge.","start":1411.305,"end":1414.925,"sentiment":"neutral","sentiment_score":0.09091925363128002},{"text":"We are changing the bank hybrid is being phased out as well.","start":1415.0651,"end":1419.0651,"sentiment":"neutral","sentiment_score":0.039693331656356655},{"text":"So we're changing that one along with the global agriculture.","start":1419.0651,"end":1422.9401,"sentiment":"neutral","sentiment_score":0.12080048471689224},{"text":"You can see gold, we are still keeping in your portfolio.","start":1423.8,"end":1426.9401,"sentiment":"neutral","sentiment_score":0.2331784259189259}],"sentiment":"neutral","sentiment_score":0.09978981529745985,"num_words":51,"start":1409.545,"end":1426.9401},{"sentences":[{"text":"But because we are moving to a high growth, you will have a little bit less in your defensive.","start":1427.0,"end":1432.06,"sentiment":"neutral","sentiment_score":0.00503665130389364},{"text":"Therefore, that is reduced a little bit to align with that high growth portfolio.","start":1432.68,"end":1436.8049,"sentiment":"neutral","sentiment_score":0.06646810950977462},{"text":"It still very much wants to keep it in your portfolio.","start":1438.065,"end":1440.885,"sentiment":"neutral","sentiment_score":0.277283482930877},{"text":"Same with cybersecurity.","start":1441.825,"end":1443.525,"sentiment":"neutral","sentiment_score":0.14140123377243677},{"text":"Again, keeping it in your portfolio, just reducing it a little bit down to 6%.","start":1444.145,"end":1448.885,"sentiment":"neutral","sentiment_score":0.1038721094528834}],"sentiment":"neutral","sentiment_score":0.09772021876227471,"num_words":62,"start":1427.0,"end":1448.885},{"sentences":[{"text":"IShares S and P 500, we are keeping it as increasing the allocation a little bit.","start":1449.91,"end":1455.05,"sentiment":"neutral","sentiment_score":0.2519793310202658},{"text":"Roughly, we are selling out.","start":1455.27,"end":1457.13,"sentiment":"neutral","sentiment_score":0.1374625578522682},{"text":"And then the bottoms there, you can see same as Quinn.","start":1457.35,"end":1460.15,"sentiment":"neutral","sentiment_score":0.20034762946042148},{"text":"We are adding the Europe, Japan, all world, BetaShares Australia 200, and then the fixed interest at 5% at the bottom there as well.","start":1460.15,"end":1469.455,"sentiment":"neutral","sentiment_score":0.2052531335502863},{"text":"And, again, all those investments are in the appendix if it is that you guys want to go and have a bit of a review over them in your own time as well.","start":1470.635,"end":1478.97,"sentiment":"neutral","sentiment_score":0.20319068431854248}],"sentiment":"neutral","sentiment_score":0.20847386289178654,"num_words":89,"start":1449.91,"end":1478.97},{"sentences":[{"text":"Yep.","start":1480.33,"end":1480.83,"sentiment":"neutral","sentiment_score":0.1186925619840622},{"text":"Now if you can scroll to the next page, which is page 36, you should then have the asset allocation outlined for you.","start":1481.21,"end":1489.23,"sentiment":"neutral","sentiment_score":0.11824241798856984},{"text":"Yep.","start":1491.13,"end":1491.63,"sentiment":"neutral","sentiment_score":0.08486750721931458},{"text":"So you can see the risk profile, which is aiming for around ninety ten.","start":1491.915,"end":1497.055,"sentiment":"neutral","sentiment_score":0.06226425405059542},{"text":"Now it can vary with with market.","start":1497.3551,"end":1499.675,"sentiment":"neutral","sentiment_score":-0.021995203835623606}],"sentiment":"neutral","sentiment_score":0.07914932201737943,"num_words":46,"start":1480.33,"end":1499.675},{"sentences":[{"text":"So it's often between 90 to about 95 and then to five and ten.","start":1499.675,"end":1505.035,"sentiment":"neutral","sentiment_score":0.028523184092981473},{"text":"So it does obviously range a little bit with market prices, but around that nine to 10 allocation.","start":1505.035,"end":1510.9501,"sentiment":"neutral","sentiment_score":0.05073125660419464},{"text":"You can see your existing portfolio, which is about $87.07 5 in growth, about $12.02 5 in defensive.","start":1511.97,"end":1520.0701,"sentiment":"neutral","sentiment_score":0.13101752562862304},{"text":"And then you can see that the repost, because we are moving to a high growth, you will have a little bit higher allocation through those growth investments than what you currently have.","start":1520.775,"end":1530.055,"sentiment":"neutral","sentiment_score":0.23494642927791132},{"text":"Yep.","start":1530.055,"end":1530.555,"sentiment":"neutral","sentiment_score":0.11761977523565292}],"sentiment":"neutral","sentiment_score":0.13740064998689508,"num_words":84,"start":1499.675,"end":1530.555},{"sentences":[{"text":"Any questions in regards to that?","start":1531.895,"end":1533.415,"sentiment":"neutral","sentiment_score":0.07238627225160599},{"text":"Or that's pretty straightforward as well.","start":1533.415,"end":1535.355,"sentiment":"neutral","sentiment_score":0.13749112064639726},{"text":"Yep.","start":1537.52,"end":1538.02,"sentiment":"neutral","sentiment_score":0.26478311419487},{"text":"Perfect.","start":1538.0801,"end":1538.5801,"sentiment":"positive","sentiment_score":0.5769083499908447},{"text":"Now the next thing can be a little bit messy, so I will try to make it as easy as I can, which is when it comes to your contribution strategy, Alex.","start":1538.8,"end":1548.285,"sentiment":"neutral","sentiment_score":0.07681085451622494}],"sentiment":"neutral","sentiment_score":0.09910659056723765,"num_words":46,"start":1531.895,"end":1548.285},{"sentences":[{"text":"So at the moment, you are salary sacrificing about 400 and fortnight.","start":1548.605,"end":1553.265,"sentiment":"neutral","sentiment_score":-0.05854090039307872},{"text":"What I have recommended is that we reduce it to $200 per fortnight and utilize a carry forward for the the last financial year, which you already have caught up, which is great without knowing it, so that's good, and for the next couple of financial yet.","start":1554.8451,"end":1572.975,"sentiment":"neutral","sentiment_score":0.10802556833926033},{"text":"So, essentially, because your employer does pay contributions above the cap, which is fantastic, I don't wanted to use up all your available carry forward basis.","start":1573.855,"end":1584.4349,"sentiment":"neutral","sentiment_score":-0.15345024446455333},{"text":"Because if I do, like, a lump sum for for this financial year, it will mean that for the next couple of years, you don't have anything available.","start":1585.07,"end":1592.37,"sentiment":"neutral","sentiment_score":-0.18032263591885567},{"text":"So what would happen because you are already getting basically for free additional contributions made from your employer, you will lose out on those benefits.","start":1592.99,"end":1601.295,"sentiment":"neutral","sentiment_score":-0.17176587015390396}],"sentiment":"neutral","sentiment_score":-0.06491431890163517,"num_words":138,"start":1548.605,"end":1601.295},{"sentences":[{"text":"So, therefore, I wanted to make sure that we leave a bit of space so that each financial year as your you know, if your income continues to go up and if your employer continues to pay contributions above that cap space, you're not losing out on basically free benefits that your employer is paying for you.","start":1601.8351,"end":1619.25,"sentiment":"neutral","sentiment_score":0.08044479042291641},{"text":"Yep.","start":1621.07,"end":1621.57,"sentiment":"neutral","sentiment_score":0.15922847390174866},{"text":"Now by doing the fortnightly salary sacrifice, obviously, salary sacrifice is pretax.","start":1621.6299,"end":1628.3049,"sentiment":"neutral","sentiment_score":0.126335550720493},{"text":"So that's how you are saving, obviously, a little bit in tax.","start":1628.6849,"end":1631.745,"sentiment":"neutral","sentiment_score":0.1928437730918328},{"text":"And by doing it on a fortnightly basis, instead of, let's say, a lump sum, is that you will continue to take advantage of that dollar cost averaging.","start":1631.965,"end":1640.705,"sentiment":"neutral","sentiment_score":0.23749518234814918}],"sentiment":"neutral","sentiment_score":0.13840544108640063,"num_words":110,"start":1601.8351,"end":1640.705},{"sentences":[{"text":"So as you are obviously making regular contributions, sometimes the market will be high.","start":1641.33,"end":1646.61,"sentiment":"neutral","sentiment_score":0.06959550987396922},{"text":"Sometimes the market will be low.","start":1646.61,"end":1648.5499,"sentiment":"neutral","sentiment_score":-0.036967597901821136},{"text":"So you're kind of utilizing the market fluctuations to benefit you as well then if you were to make, like, one lump sum contribution at one point in time, you can be very lucky in that when the market is low, but it could also be that when it's high.","start":1648.77,"end":1663.805,"sentiment":"neutral","sentiment_score":0.26504871174693106},{"text":"Obviously, the longer you have the money invested as well, the more it's gonna compound and grow.","start":1663.9451,"end":1669.7251,"sentiment":"positive","sentiment_score":0.4559878812116735},{"text":"Does that make sense?","start":1671.29,"end":1672.27,"sentiment":"neutral","sentiment_score":0.22665398940443993}],"sentiment":"neutral","sentiment_score":0.24904809974052095,"num_words":91,"start":1641.33,"end":1672.27},{"sentences":[{"text":"Yeah.","start":1672.3301,"end":1672.8301,"sentiment":"positive","sentiment_score":0.4322240650653839},{"text":"Perfect.","start":1672.89,"end":1673.39,"sentiment":"positive","sentiment_score":0.6118379831314087},{"text":"Now how that actually looks like in terms of that carry forward and, again, it is something we should reassess at the end of each financial year, especially if your income continues to go up and your employer continues to pay those contributions because things can change.","start":1674.41,"end":1690.235,"sentiment":"neutral","sentiment_score":0.1451842302971698},{"text":"Now how it's displayed for you is if you wanna go down to table sorry.","start":1691.095,"end":1696.25,"sentiment":"neutral","sentiment_score":0.06156351168950399},{"text":"Page 39, you should see a salary sacrifice table first.","start":1696.25,"end":1700.9901,"sentiment":"neutral","sentiment_score":0.024566301330924033}],"sentiment":"neutral","sentiment_score":0.12211941298399423,"num_words":74,"start":1672.3301,"end":1700.9901},{"sentences":[{"text":"39.","start":1705.6101,"end":1706.0901,"sentiment":"neutral","sentiment_score":0.029833802953362465},{"text":"Yes.","start":1706.0901,"end":1706.41,"sentiment":"neutral","sentiment_score":0.10023324191570282},{"text":"So you basically can see here your current position and your proposed position.","start":1706.41,"end":1710.1101,"sentiment":"neutral","sentiment_score":0.11904691904783249},{"text":"So you can see that by reducing your salary sacrifice, you will have more income available yourself.","start":1710.8351,"end":1718.375,"sentiment":"neutral","sentiment_score":0.23862006559091456},{"text":"So you will have about 3,536 extra each year to obviously not do that additional contribution.","start":1718.435,"end":1726.73,"sentiment":"neutral","sentiment_score":0.061180459568277}],"sentiment":"neutral","sentiment_score":0.1398563637631014,"num_words":48,"start":1705.6101,"end":1726.73},{"sentences":[{"text":"When it comes to actual contributions, though, you will have a little bit less going into super as a result.","start":1727.9099,"end":1733.5299,"sentiment":"neutral","sentiment_score":-0.0319317989051342},{"text":"So that basically shows that.","start":1734.63,"end":1736.1499,"sentiment":"neutral","sentiment_score":0.06090004071593284},{"text":"It shows that the tax as well, taxable income, and everything like that.","start":1736.1499,"end":1741.115,"sentiment":"neutral","sentiment_score":0.05044944827946333},{"text":"Does that make sense?","start":1741.1749,"end":1742.235,"sentiment":"neutral","sentiment_score":0.0682544601149857},{"text":"Exactly.","start":1752.63,"end":1753.11,"sentiment":"neutral","sentiment_score":0.023862268775701523}],"sentiment":"neutral","sentiment_score":0.014385747961526694,"num_words":43,"start":1727.9099,"end":1753.11},{"sentences":[{"text":"The contribution change.","start":1753.11,"end":1754.49,"sentiment":"neutral","sentiment_score":0.0137364628414313},{"text":"Yes.","start":1754.63,"end":1755.13,"sentiment":"neutral","sentiment_score":0.06657560914754868},{"text":"Yep.","start":1756.15,"end":1756.65,"sentiment":"neutral","sentiment_score":0.1014752835035324},{"text":"So not like the capital gains, but that will be obviously less contributions going into super.","start":1756.71,"end":1761.77,"sentiment":"neutral","sentiment_score":-0.015069408342242241},{"text":"Yep.","start":1763.445,"end":1763.6849,"sentiment":"neutral","sentiment_score":0.10669704526662828}],"sentiment":"neutral","sentiment_score":0.003402126953005791,"num_words":22,"start":1753.11,"end":1763.6849},{"sentences":[{"text":"Yep.","start":1763.6849,"end":1764.1849,"sentiment":"neutral","sentiment_score":0.14333435893058777},{"text":"Now how that then works with the carry forward strategy is on the following page, page 40.","start":1766.245,"end":1773.225,"sentiment":"neutral","sentiment_score":0.23280469547299779},{"text":"So how the carry forward work is where you can use up unused concessional contributions from previous financial years.","start":1773.9249,"end":1784.2899,"sentiment":"neutral","sentiment_score":0.12949699830067785},{"text":"So how it normally works is start from the oldest financial year first.","start":1784.99,"end":1789.695,"sentiment":"neutral","sentiment_score":0.04252989676136237},{"text":"So as you exceed contributions, so which you have done for the last financial year that was just then, it will then automatically deducted from the oldest financial year first.","start":1789.7749,"end":1801.955,"sentiment":"neutral","sentiment_score":0.07234275986750921}],"sentiment":"neutral","sentiment_score":0.11605785754509271,"num_words":80,"start":1763.6849,"end":1801.955},{"sentences":[{"text":"Now I have included the different concessional contribution cap amount so that you can see it.","start":1804.04,"end":1810.4401,"sentiment":"neutral","sentiment_score":0.21018461417406797},{"text":"So over CER continue to going up.","start":1810.4401,"end":1812.8401,"sentiment":"neutral","sentiment_score":0.17211098117487772},{"text":"So you can see from 2020 to 2021, it was 25,000.","start":1812.8401,"end":1817.255,"sentiment":"neutral","sentiment_score":0.15942898866805164},{"text":"It then increases.","start":1817.315,"end":1818.375,"sentiment":"neutral","sentiment_score":0.14303439855575562},{"text":"And even this financial year that just takes over is now up at 32,500, which I have factored in into these calculations for you as well.","start":1818.595,"end":1827.42,"sentiment":"neutral","sentiment_score":0.16832181839988783}],"sentiment":"neutral","sentiment_score":0.17661777848289126,"num_words":63,"start":1804.04,"end":1827.42},{"sentences":[{"text":"Make make sense?","start":1827.42,"end":1830.0,"sentiment":"neutral","sentiment_score":0.15848895410696665},{"text":"Yep.","start":1831.26,"end":1831.76,"sentiment":"neutral","sentiment_score":0.11116190999746324},{"text":"Now the next two tables is where it gets a little bit messy, but it's just to show you.","start":1832.06,"end":1838.0,"sentiment":"neutral","sentiment_score":-0.04774494096636772},{"text":"So for, obviously, the financial year that just ticked over, what that basically looks like, you can see you can see the financial years first.","start":1838.4601,"end":1847.725,"sentiment":"neutral","sentiment_score":0.0735098648071289},{"text":"And, again, going back to the oldest financial year available, you can see the contributions that was made into super, and that was also from those screenshots you sent me from the ATO, which was great because that gave me all the insights that I needed.","start":1847.725,"end":1862.31,"sentiment":"positive","sentiment_score":0.3393252726806247}],"sentiment":"neutral","sentiment_score":0.18219344741962057,"num_words":94,"start":1827.42,"end":1862.31},{"sentences":[{"text":"You can see the concessional caps again outlined for each financial year to make it easy.","start":1863.01,"end":1868.2301,"sentiment":"positive","sentiment_score":0.3458383549004793},{"text":"And you can then also see the cap spaces remaining in each of those financial years.","start":1868.615,"end":1874.055,"sentiment":"neutral","sentiment_score":0.11950575024820864},{"text":"So you can obviously see as your income went higher and you started to make contributions yourself, obviously, there was less and less and less cap spaces remaining.","start":1874.055,"end":1883.755,"sentiment":"neutral","sentiment_score":0.03166139844272818},{"text":"So the reason why I did not recommend to discontinue that 400 is that because each year, you will continue to go up over the cap space a lot more than what's available.","start":1884.79,"end":1895.61,"sentiment":"neutral","sentiment_score":-0.21963446034174977},{"text":"So you would run out very quickly, of available cap space, and then you'll be over and having to pay that additional tax.","start":1896.165,"end":1902.745,"sentiment":"neutral","sentiment_score":-0.15189477898504422}],"sentiment":"neutral","sentiment_score":-0.020771485078951407,"num_words":116,"start":1863.01,"end":1902.745},{"sentences":[{"text":"Yep.","start":1904.245,"end":1904.745,"sentiment":"neutral","sentiment_score":0.06013738736510277},{"text":"So for the last financial year, that was just done.","start":1905.045,"end":1909.1799,"sentiment":"neutral","sentiment_score":0.03486827425658703},{"text":"You already used up, which was great, the cap space of the 2020 and 2021.","start":1909.4,"end":1915.74,"sentiment":"neutral","sentiment_score":0.229382819434007},{"text":"So you can basically see that at the start of the financial year, the last financial year, at the start, you had about 25,300 available through all the financial years.","start":1915.7999,"end":1928.205,"sentiment":"neutral","sentiment_score":0.0897391361494859},{"text":"You then went over the cap space for the last financial year by about 13,760, which we then used up from those previous financial year, which means that for this financial year, you have about 11,540 combined across all those financial years left.","start":1929.065,"end":1950.555,"sentiment":"neutral","sentiment_score":0.018133050170057008}],"sentiment":"neutral","sentiment_score":0.07395411781048593,"num_words":99,"start":1904.245,"end":1950.555},{"sentences":[{"text":"And if you were to continue to pay that 400 per fortnight and your income stays exactly the same, even this financial year, you'd already used up every yep.","start":1951.035,"end":1962.155,"sentiment":"neutral","sentiment_score":-0.042386093401703344},{"text":"Makes sense?","start":1962.155,"end":1962.895,"sentiment":"neutral","sentiment_score":0.049836425110697746},{"text":"Yep.","start":1964.7301,"end":1964.81,"sentiment":"neutral","sentiment_score":0.23509816825389865},{"text":"Perfect.","start":1964.81,"end":1965.31,"sentiment":"positive","sentiment_score":0.5176165103912354},{"text":"Now on the next page, it then shows you for this financial year.","start":1965.6101,"end":1970.75,"sentiment":"neutral","sentiment_score":0.17839954220331633}],"sentiment":"neutral","sentiment_score":0.04222575801870097,"num_words":46,"start":1951.035,"end":1970.75},{"sentences":[{"text":"So, again, starting this financial year, it was the 11,540 available.","start":1971.13,"end":1978.6849,"sentiment":"neutral","sentiment_score":0.134423704309897},{"text":"Assuming your income stays the same and you're reducing salary sacrifice to $200 per fortnight, it will mean that for this financial year, you are still exceeding the cap space by only by 6,460.","start":1979.785,"end":1993.7401,"sentiment":"neutral","sentiment_score":0.08819369423915357},{"text":"Now you still have that because you have 11,540 available, it will mean that for the next financial year, you would still have about 5,080 available.","start":1995.56,"end":2006.875,"sentiment":"neutral","sentiment_score":0.1052248149823684},{"text":"Now because, obviously, your employer are continued to going over the cap space, that's where I didn't wanna use up everything because then that means that you obviously continue to run out.","start":2007.735,"end":2018.855,"sentiment":"neutral","sentiment_score":-0.0653900644974783},{"text":"And if you are getting those contributions for free, essentially, from your employer, it is a benefit I do not want you to lose out.","start":2018.855,"end":2026.24,"sentiment":"neutral","sentiment_score":0.04333049088716507}],"sentiment":"neutral","sentiment_score":0.048467748041730374,"num_words":128,"start":1971.13,"end":2026.24},{"sentences":[{"text":"Yep.","start":2027.58,"end":2028.08,"sentiment":"neutral","sentiment_score":0.047073863446712494},{"text":"Now, obviously, if you were to change employer and they don't pay over their concessional cap, let me know because then we can obviously reassess everything for you.","start":2028.3,"end":2037.9651,"sentiment":"neutral","sentiment_score":-0.0409925031874861},{"text":"Or, again, if your income if you get a bit of a pay rise, we wanna obviously reassess whether we need to reduce that salary sacrifice further for you.","start":2037.9651,"end":2046.69,"sentiment":"neutral","sentiment_score":-0.062310500391598404},{"text":"Yep.","start":2047.8099,"end":2048.31,"sentiment":"neutral","sentiment_score":0.05029920861124992},{"text":"Makes sense?","start":2048.69,"end":2049.5898,"sentiment":"neutral","sentiment_score":0.06814548000693321}],"sentiment":"neutral","sentiment_score":-0.044608697844821896,"num_words":61,"start":2027.58,"end":2049.5898},{"sentences":[{"text":"Yep.","start":2051.0898,"end":2051.5698,"sentiment":"neutral","sentiment_score":0.16454778611660004},{"text":"Perfect.","start":2051.5698,"end":2052.0698,"sentiment":"positive","sentiment_score":0.3955840766429901},{"text":"Again, you will have advantages, some disadvantages, and risks in regards to the recommendation.","start":2053.5698,"end":2059.5898,"sentiment":"neutral","sentiment_score":0.024263625698430196},{"text":"Some of the advantages that it is a very tax effective way to utilize your carry forward contribution spaces before they do expire, which is really good.","start":2061.5151,"end":2072.395,"sentiment":"positive","sentiment_score":0.39601761626976506},{"text":"You will continue to obviously have salary sacrifice, which again is a very tax effective way, especially with your high income.","start":2072.395,"end":2079.63,"sentiment":"neutral","sentiment_score":0.09178196248554048}],"sentiment":"neutral","sentiment_score":0.2112456167815253,"num_words":64,"start":2051.0898,"end":2079.63},{"sentences":[{"text":"One of the disadvantages that obviously by salary sacrificing, you are still having less cash flow available than if you decided not to salary sacrifice at all.","start":2081.05,"end":2090.125,"sentiment":"negative","sentiment_score":-0.4355726087534869},{"text":"But the good thing is that because you have already salary sacrificed 400 per fortnight, you will have a little bit extra cash available to then utilize the other goals and stuff that you guys want to achieve together.","start":2090.265,"end":2101.085,"sentiment":"positive","sentiment_score":0.6730038535136443},{"text":"Yep.","start":2103.0898,"end":2103.5898,"sentiment":"neutral","sentiment_score":0.05486740916967392},{"text":"And, again, a risk is that it is locked in until you meet a condition of release, and, again, it changes to superannuation legislation.","start":2103.73,"end":2112.95,"sentiment":"neutral","sentiment_score":-0.16608497314155102},{"text":"The good thing is because it has gone up by 3,000 2,500 for this money issue year, it means that we have a little bit more space.","start":2113.41,"end":2122.185,"sentiment":"positive","sentiment_score":0.45042142271995544}],"sentiment":"neutral","sentiment_score":0.1925160704906714,"num_words":118,"start":2081.05,"end":2122.185},{"sentences":[{"text":"And then if there are changes to next money issue year with those cap spaces, we then might want to alter things again for you.","start":2122.185,"end":2129.16,"sentiment":"neutral","sentiment_score":0.16708744943141937},{"text":"Yep.","start":2130.76,"end":2131.26,"sentiment":"neutral","sentiment_score":0.293989896774292},{"text":"Yep.","start":2131.3198,"end":2131.7998,"sentiment":"neutral","sentiment_score":0.3228519856929779},{"text":"Perfect.","start":2131.7998,"end":2132.2998,"sentiment":"positive","sentiment_score":0.6332530975341797},{"text":"Now all of these contribution strategies, all three that I have mentioned was factored into those projection tables I mentioned as well.","start":2132.8398,"end":2140.8398,"sentiment":"neutral","sentiment_score":0.29694298045201734}],"sentiment":"neutral","sentiment_score":0.23920053571462632,"num_words":50,"start":2122.185,"end":2140.8398},{"sentences":[{"text":"So it factors in everything.","start":2140.8398,"end":2142.7,"sentiment":"neutral","sentiment_score":0.13012557625770568},{"text":"Yep.","start":2144.705,"end":2145.205,"sentiment":"neutral","sentiment_score":0.12178997695446014},{"text":"Now the last thing is just estate planning.","start":2146.225,"end":2150.085,"sentiment":"neutral","sentiment_score":0.11588987708091736},{"text":"So I have included some information in regards to your beneficiary.","start":2150.145,"end":2154.485,"sentiment":"neutral","sentiment_score":0.16331709244034506},{"text":"So that is for your super and for your insurances as well.","start":2155.3599,"end":2159.68,"sentiment":"neutral","sentiment_score":0.1666277435918649}],"sentiment":"neutral","sentiment_score":0.14852858959017573,"num_words":37,"start":2140.8398,"end":2159.68},{"sentences":[{"text":"So there are a lot of different ways you can structure things.","start":2159.68,"end":2162.66,"sentiment":"neutral","sentiment_score":0.14440156829853854},{"text":"Nominating a spouse is a valid nomination because they do make it quite tricky in who you can nominate directly through the legislation.","start":2163.1199,"end":2170.26,"sentiment":"neutral","sentiment_score":0.05230925183581269},{"text":"A spouse is a valid nomination.","start":2171.145,"end":2172.925,"sentiment":"neutral","sentiment_score":0.11340611924727757},{"text":"And what would happen is that if something were to happen to either of you, the other partner would receive everything tax free because you are a spouse.","start":2173.145,"end":2181.0051,"sentiment":"neutral","sentiment_score":0.1384289794202362},{"text":"Yep.","start":2182.425,"end":2182.925,"sentiment":"neutral","sentiment_score":0.12276965379714966}],"sentiment":"neutral","sentiment_score":0.10878784864076546,"num_words":70,"start":2159.68,"end":2182.925},{"sentences":[{"text":"Now the type of nomination I have recommended, it is a binding and nonlapsing.","start":2183.27,"end":2187.13,"sentiment":"neutral","sentiment_score":0.14460155527506555},{"text":"Basically, what it means, a binding means that the trustees or your super insurers are bound to follow your wishes.","start":2187.99,"end":2194.5698,"sentiment":"neutral","sentiment_score":0.14072100073099136},{"text":"The other type of nomination is a nonbinding.","start":2194.79,"end":2197.45,"sentiment":"neutral","sentiment_score":0.022700376342982054},{"text":"Basically, what it means is to say that this is what you want to have happen, but it is ultimately up to the trustee to decide whether they agree with it or whether they feel that there is something someone else that is more suitable for it.","start":2198.595,"end":2212.4202,"sentiment":"neutral","sentiment_score":-0.008263573367544946},{"text":"So, basically, binding gives you more certainty.","start":2212.4202,"end":2214.6,"sentiment":"neutral","sentiment_score":0.17882441942180907}],"sentiment":"neutral","sentiment_score":0.061289872780131795,"num_words":96,"start":2183.27,"end":2214.6},{"sentences":[{"text":"Does that make sense?","start":2214.82,"end":2215.8801,"sentiment":"neutral","sentiment_score":0.15698111802339554},{"text":"Yep.","start":2217.1401,"end":2217.54,"sentiment":"positive","sentiment_score":0.400948166847229},{"text":"Perfect.","start":2217.54,"end":2218.04,"sentiment":"positive","sentiment_score":0.6334120035171509},{"text":"Non lapsing also means that you just make the the the nomination type once and then never again.","start":2218.58,"end":2225.945,"sentiment":"neutral","sentiment_score":0.21903573142157662},{"text":"So, obviously, if, your situation ever were to change or you wanna change the nomination, you just have to let me know, and we have to change it.","start":2225.945,"end":2233.085,"sentiment":"neutral","sentiment_score":0.1612937261483499}],"sentiment":"neutral","sentiment_score":0.19463754115769497,"num_words":52,"start":2214.82,"end":2233.085},{"sentences":[{"text":"The other type of nomination was to do a lapsing, which means you have to complete the forms every three years.","start":2233.385,"end":2240.125,"sentiment":"neutral","sentiment_score":0.10736214156661715},{"text":"Yep.","start":2241.45,"end":2241.95,"sentiment":"neutral","sentiment_score":0.1638924777507782},{"text":"And most people prefer to just let me know if anything changes and leave it so you don't have to do it every three years.","start":2242.01,"end":2248.91,"sentiment":"neutral","sentiment_score":0.18905440866947174},{"text":"Yep.","start":2250.25,"end":2250.75,"sentiment":"positive","sentiment_score":0.4322670102119446},{"text":"Perfect.","start":2250.81,"end":2251.31,"sentiment":"positive","sentiment_score":0.6506664156913757}],"sentiment":"neutral","sentiment_score":0.16791410394469086,"num_words":49,"start":2233.385,"end":2251.31},{"sentences":[{"text":"I have also just included some information in regards to setting up a a will and power of attorney.","start":2253.4648,"end":2260.125,"sentiment":"positive","sentiment_score":0.36572489456126567},{"text":"It is something I always recommend everyone to consider.","start":2260.505,"end":2263.305,"sentiment":"positive","sentiment_score":0.41776881615320843},{"text":"It is completely up to you, But it does mean that if something were to happen, it does provide that certainty on your assets as well.","start":2263.305,"end":2271.75,"sentiment":"positive","sentiment_score":0.3762530982494354},{"text":"Yeah.","start":2273.4102,"end":2273.9102,"sentiment":"neutral","sentiment_score":0.08494365215301514},{"text":"Yeah.","start":2275.49,"end":2275.99,"sentiment":"neutral","sentiment_score":-0.028178174048662186}],"sentiment":"positive","sentiment_score":0.3669292566898678,"num_words":56,"start":2253.4648,"end":2275.99},{"sentences":[{"text":"And most people are the same.","start":2277.7449,"end":2278.945,"sentiment":"neutral","sentiment_score":-0.029869303728143375},{"text":"Everyone's like, yep.","start":2278.945,"end":2279.505,"sentiment":"neutral","sentiment_score":-0.01024067991723617},{"text":"It's not my to do list, but it's one of those things that often is something you know you should be doing, but it just kinda falls off to the sides because everything gets really busy.","start":2279.505,"end":2289.045,"sentiment":"neutral","sentiment_score":-0.06808340430466665},{"text":"So that's why I have included information often if you do a will through a lawyer as well.","start":2289.6802,"end":2295.12,"sentiment":"neutral","sentiment_score":0.1743031959566805},{"text":"You can also make a power of attorney nomination at the same time as well.","start":2295.12,"end":2299.54,"sentiment":"neutral","sentiment_score":0.20010924637317656}],"sentiment":"neutral","sentiment_score":0.044591741099093966,"num_words":78,"start":2277.7449,"end":2299.54},{"sentences":[{"text":"Yep.","start":2301.2002,"end":2301.7002,"sentiment":"neutral","sentiment_score":0.09026705473661424},{"text":"Now as you scroll through, so on page 52, you will see a little bit about our ongoing service.","start":2302.0,"end":2309.365,"sentiment":"neutral","sentiment_score":0.09576427897340373},{"text":"Obviously, Alan, you would know, at a minimum, we do a comprehensive annual review every twelve months, which is where we reassess everything.","start":2309.4248,"end":2317.85,"sentiment":"neutral","sentiment_score":0.0950350029313046},{"text":"So we reassess to make sure that the recommendation we have in place still aligns with your goals and your objectives and everything.","start":2317.85,"end":2324.83,"sentiment":"neutral","sentiment_score":0.2287740778663884},{"text":"If there's anything that has changed in your life and we need to make tweaks and changes, this is where we want to do it.","start":2325.2102,"end":2331.315,"sentiment":"neutral","sentiment_score":0.11550305888056756}],"sentiment":"neutral","sentiment_score":0.13456015039112543,"num_words":91,"start":2301.2002,"end":2331.315},{"sentences":[{"text":"That is just at a minimum, though.","start":2331.795,"end":2333.395,"sentiment":"neutral","sentiment_score":0.11542460641690663},{"text":"If you guys want more frequent catch up, it is something that we can do.","start":2333.395,"end":2337.395,"sentiment":"neutral","sentiment_score":0.1946483314037323},{"text":"There's no additional fees or charges.","start":2337.395,"end":2339.335,"sentiment":"neutral","sentiment_score":0.17593240489562353},{"text":"It is all part of the service.","start":2339.7148,"end":2341.315,"sentiment":"neutral","sentiment_score":0.2913818785122463},{"text":"But at a minimum, every twelve months, we do that comprehensive annual review, which is also where you decide if you would like to stay on for the next twelve months or so.","start":2341.315,"end":2351.01,"sentiment":"neutral","sentiment_score":0.18113790497635351}],"sentiment":"neutral","sentiment_score":0.18824287734049208,"num_words":68,"start":2331.795,"end":2351.01},{"sentences":[{"text":"But it is not a lock in contract.","start":2351.01,"end":2352.69,"sentiment":"neutral","sentiment_score":-0.050340743735432625},{"text":"It is something if at any point in time you guys are not happy, it is not a lock in contract.","start":2352.69,"end":2358.93,"sentiment":"neutral","sentiment_score":-0.1323871970886276},{"text":"There's no excess fees or anything like that.","start":2358.93,"end":2361.465,"sentiment":"neutral","sentiment_score":-0.04068986093625426},{"text":"But with the legislation is that you have to sign that ongoing service agreement every twelve months.","start":2362.0251,"end":2367.725,"sentiment":"neutral","sentiment_score":0.06351881397559363},{"text":"We can't just keep charging fees.","start":2367.7852,"end":2369.645,"sentiment":"neutral","sentiment_score":-0.06295574751372139}],"sentiment":"neutral","sentiment_score":-0.04677151039553185,"num_words":60,"start":2351.01,"end":2369.645},{"sentences":[{"text":"Yep.","start":2371.225,"end":2371.725,"sentiment":"neutral","sentiment_score":0.1420523226261139},{"text":"It also obviously, if there's any other areas of advice that you guys need, so whether that is you wanna have a look at your personal investments or whatever it might be, it's all part of the service for you as well.","start":2372.745,"end":2385.26,"sentiment":"neutral","sentiment_score":0.1662404982461816},{"text":"Yep.","start":2387.0,"end":2387.48,"sentiment":"positive","sentiment_score":0.40533584356307983},{"text":"Perfect.","start":2387.48,"end":2387.98,"sentiment":"positive","sentiment_score":0.5972895622253418},{"text":"Now the last thing I do wanna touch on is just a remuneration again just to make sure you guys fully understand.","start":2388.52,"end":2395.2651,"sentiment":"neutral","sentiment_score":0.11840917948972095}],"sentiment":"neutral","sentiment_score":0.16017582990340332,"num_words":67,"start":2371.225,"end":2395.2651},{"sentences":[{"text":"So if you can scroll down to page 54 for me.","start":2395.805,"end":2399.345,"sentiment":"neutral","sentiment_score":0.0589161908084696},{"text":"So you can see here that Alan, for you, there is no upfront advice fee.","start":2401.485,"end":2406.69,"sentiment":"neutral","sentiment_score":0.09351392438014348},{"text":"You pay that once when you came on board.","start":2406.69,"end":2408.3699,"sentiment":"neutral","sentiment_score":0.18901648786332872},{"text":"So every, you know, advice piece and stuff we do here for you, there's no upfront advice fee for you.","start":2408.3699,"end":2415.27,"sentiment":"neutral","sentiment_score":0.18837791830301284},{"text":"Quinn for you is at 4,900 and 50, which was that balance difference in your projection table.","start":2415.57,"end":2422.5251,"sentiment":"neutral","sentiment_score":0.0558443781645859}],"sentiment":"neutral","sentiment_score":0.1176228909753263,"num_words":72,"start":2395.805,"end":2422.5251},{"sentences":[{"text":"Now that is usually 3.3% capped at a 150,000.","start":2423.465,"end":2428.105,"sentiment":"neutral","sentiment_score":0.06720650361643897},{"text":"And because you see the balance is above that, it's capped for you.","start":2428.105,"end":2432.205,"sentiment":"neutral","sentiment_score":0.06473383135520495},{"text":"Yep.","start":2433.48,"end":2433.98,"sentiment":"neutral","sentiment_score":0.10324890911579132},{"text":"The next page, you can then see the ongoing.","start":2434.6,"end":2437.66,"sentiment":"neutral","sentiment_score":0.08795404061675072},{"text":"So you can see here the ongoing advice fee reduced for both of you down to 1.1 from superannuation.","start":2437.72,"end":2445.9,"sentiment":"neutral","sentiment_score":0.1585871738038565}],"sentiment":"neutral","sentiment_score":0.10498803759030267,"num_words":51,"start":2423.465,"end":2445.9},{"sentences":[{"text":"Now I have also included for you, Alan, your insurances.","start":2447.2551,"end":2451.0352,"sentiment":"neutral","sentiment_score":0.09666581004858017},{"text":"So when it comes to insurances, it is not something that you pay.","start":2451.495,"end":2456.2952,"sentiment":"neutral","sentiment_score":0.04887532012966963},{"text":"It is something that Tau pays us at Oakview, and we do get a commission on the insurance policy, which is 22% of the premium.","start":2456.2952,"end":2465.3801,"sentiment":"neutral","sentiment_score":0.1358000349998474},{"text":"But, again, it's not something that you pay before compliances.","start":2465.76,"end":2468.74,"sentiment":"neutral","sentiment_score":0.007569271884858608},{"text":"We have to disclose all commissions so that you are fully aware of them.","start":2468.96,"end":2472.465,"sentiment":"neutral","sentiment_score":0.0684567101831947}],"sentiment":"neutral","sentiment_score":0.08376562220251395,"num_words":72,"start":2447.2551,"end":2472.465},{"sentences":[{"text":"Yep.","start":2473.665,"end":2474.165,"sentiment":"neutral","sentiment_score":0.05368765816092491},{"text":"Do you guys have any questions in regards to the fee structure?","start":2474.385,"end":2477.125,"sentiment":"neutral","sentiment_score":0.005345438917477925},{"text":"No.","start":2479.185,"end":2479.685,"sentiment":"neutral","sentiment_score":0.1007169783115387},{"text":"Perfect.","start":2479.905,"end":2480.405,"sentiment":"positive","sentiment_score":0.5145554542541504},{"text":"And the last couple of pages just kind of summarizes everything.","start":2480.945,"end":2484.965,"sentiment":"neutral","sentiment_score":0.2506940324198116}],"sentiment":"neutral","sentiment_score":0.1342592197828568,"num_words":26,"start":2473.665,"end":2484.965},{"sentences":[{"text":"So all the recommendations are outlined for you.","start":2485.2651,"end":2489.24,"sentiment":"positive","sentiment_score":0.35396841540932655},{"text":"So what I have recommended again, Quinn, is for you to roll over your Aware Super into Hub twenty four, make a contribution to benefit of that government co contribution for Alan to make the spouse contributions on your behalf, Alan to keep his hub twenty four account to change the underlying investment, Alan to reduce the salary sacrifice from 400 to 200 per fortnight, and then the estate planning.","start":2489.24,"end":2517.89,"sentiment":"neutral","sentiment_score":0.20859305411577225},{"text":"Again, though, these are just recommendations whether you wanna take some of it or none of it or all of it.","start":2518.67,"end":2524.8298,"sentiment":"neutral","sentiment_score":0.1491008610242889},{"text":"It is completely up to you guys.","start":2524.8298,"end":2526.93,"sentiment":"neutral","sentiment_score":0.31188136977808817},{"text":"Yep.","start":2528.365,"end":2528.865,"sentiment":"positive","sentiment_score":0.5493260622024536}],"sentiment":"neutral","sentiment_score":0.2177278022760543,"num_words":107,"start":2485.2651,"end":2528.865},{"sentences":[{"text":"Now you will also see how to implement our advice.","start":2530.365,"end":2535.5051,"sentiment":"neutral","sentiment_score":0.2889987677335739},{"text":"That is more just so that you can see the steps.","start":2535.645,"end":2537.885,"sentiment":"neutral","sentiment_score":0.29342159222472797},{"text":"But if it was something that you guys were happy to go ahead with, that is something that we would guide and and talk you through the process and how it all works.","start":2537.885,"end":2545.98,"sentiment":"positive","sentiment_score":0.46268545949097833},{"text":"So you guys wouldn't have to think, oh, when should I do this, or when should I do this?","start":2545.98,"end":2549.5,"sentiment":"neutral","sentiment_score":0.12972286010259076},{"text":"It is something that we would do all for you.","start":2549.5,"end":2551.92,"sentiment":"positive","sentiment_score":0.5693684220314026}],"sentiment":"positive","sentiment_score":0.35595980623220824,"num_words":83,"start":2530.365,"end":2551.92},{"sentences":[{"text":"Perfect.","start":2554.155,"end":2554.655,"sentiment":"positive","sentiment_score":0.7049108743667603},{"text":"Now you would have seen as well a couple if you went through it.","start":2555.435,"end":2559.675,"sentiment":"neutral","sentiment_score":0.2840336390904018},{"text":"There were quite a few documents in the DocuSign folder for you.","start":2559.675,"end":2565.7751,"sentiment":"neutral","sentiment_score":0.2523716054856777},{"text":"So the second attachment is the appendix.","start":2566.23,"end":2570.41,"sentiment":"neutral","sentiment_score":0.16209153405257634},{"text":"Now this is the one I mentioned that has kind of all the research and everything attached for you.","start":2570.79,"end":2575.93,"sentiment":"neutral","sentiment_score":0.21517425540246463}],"sentiment":"neutral","sentiment_score":0.24401495619764868,"num_words":53,"start":2554.155,"end":2575.93},{"sentences":[{"text":"You will have the investment link.","start":2576.15,"end":2578.49,"sentiment":"neutral","sentiment_score":0.16193859304864114},{"text":"Now what I have also included is a comparison as well where if, Quinn, you decide not to wanting to make the government co contribution and if Alan decides that he does not want to make the spousal contribution, how that would change things for your superannuation.","start":2579.705,"end":2601.04,"sentiment":"neutral","sentiment_score":-0.07643301404537038},{"text":"And it would still put you ahead by quite a lot.","start":2602.22,"end":2605.1199,"sentiment":"neutral","sentiment_score":0.0021220073103904724},{"text":"But, obviously, the more you have in super, the more it compounds and growth.","start":2605.3398,"end":2609.025,"sentiment":"neutral","sentiment_score":-0.0606886518320867},{"text":"But just to show you if you guys decided that you did not want to do those extra contributions for quick.","start":2609.265,"end":2614.9648,"sentiment":"neutral","sentiment_score":-0.1008850151584262}],"sentiment":"neutral","sentiment_score":-0.05621822692325687,"num_words":99,"start":2576.15,"end":2614.9648},{"sentences":[{"text":"Just so that you have that.","start":2615.7449,"end":2617.2048,"sentiment":"neutral","sentiment_score":0.01516701839864254},{"text":"So if you press next in the DocuSign or if you scroll all the way to the bottom of the SOA, it should take you to the next document.","start":2620.385,"end":2632.17,"sentiment":"neutral","sentiment_score":0.014933272714501825},{"text":"Yes.","start":2634.55,"end":2635.05,"sentiment":"neutral","sentiment_score":-0.001661543734371662},{"text":"Yes.","start":2636.31,"end":2636.71,"sentiment":"neutral","sentiment_score":-0.010852938517928123},{"text":"That's that's a lot.","start":2636.71,"end":2638.57,"sentiment":"neutral","sentiment_score":-0.0841860231012106}],"sentiment":"neutral","sentiment_score":0.004263620596469902,"num_words":41,"start":2615.7449,"end":2638.57},{"sentences":[{"text":"You should still be able to to press next, like next document or okay.","start":2645.175,"end":2655.05,"sentiment":"neutral","sentiment_score":0.0014171356867466653},{"text":"Yep.","start":2655.1099,"end":2655.6099,"sentiment":"neutral","sentiment_score":0.03245221823453903},{"text":"Because some photos show it's up a little bit differently.","start":2657.3499,"end":2659.69,"sentiment":"neutral","sentiment_score":-0.009229611605405807},{"text":"Okay.","start":2661.8298,"end":2662.3298,"sentiment":"neutral","sentiment_score":0.05474524199962616},{"text":"Okay.","start":2663.845,"end":2664.245,"sentiment":"neutral","sentiment_score":0.07828961312770844}],"sentiment":"neutral","sentiment_score":0.0034455872934173654,"num_words":27,"start":2645.175,"end":2664.245},{"sentences":[{"text":"If for some reason you can't access it, though, I can see all of that on my end here in in your document.","start":2664.245,"end":2670.185,"sentiment":"neutral","sentiment_score":-0.042963481143764824},{"text":"But if for some reason you can't, just let me know, and I can always get it emailed to you.","start":2670.5652,"end":2675.225,"sentiment":"neutral","sentiment_score":0.006914635561406613},{"text":"But, yeah, maybe because there are quite a lot of attachments, a computer later might be a bit easier because you can see, yep, that appendix.","start":2675.365,"end":2683.27,"sentiment":"neutral","sentiment_score":0.10658917436376214},{"text":"You can also see all the application and documents.","start":2684.05,"end":2687.03,"sentiment":"neutral","sentiment_score":0.14797494808832803},{"text":"So there is a pre prepared application for Queen to set up the '24 application.","start":2687.09,"end":2692.4702,"sentiment":"neutral","sentiment_score":0.13395500034093857}],"sentiment":"neutral","sentiment_score":0.05658656684181062,"num_words":93,"start":2664.245,"end":2692.4702},{"sentences":[{"text":"There's also a new ongoing service agreement for you, Alan, and that is to reduce your ongoing advice fee.","start":2693.955,"end":2700.8552,"sentiment":"positive","sentiment_score":0.33600870010099915},{"text":"You also have all the corresponding product disclosure statement.","start":2702.5952,"end":2706.57,"sentiment":"positive","sentiment_score":0.38808321124977535},{"text":"So every time we do make a recommendation on a product, we have to give you the product disclosure statement as well.","start":2706.57,"end":2712.1902,"sentiment":"positive","sentiment_score":0.33420906690033997},{"text":"So, basically, what they are is just massive documents, but it provides you all the information in regards to the product.","start":2712.33,"end":2718.51,"sentiment":"neutral","sentiment_score":0.27690363710834864},{"text":"So you will have everything in regards to hub 24.","start":2719.005,"end":2722.305,"sentiment":"positive","sentiment_score":0.38446578085422517}],"sentiment":"neutral","sentiment_score":0.33196478842953103,"num_words":81,"start":2693.955,"end":2722.305},{"sentences":[{"text":"You will have the the menu investment booklet and and everything in there for you.","start":2722.605,"end":2728.045,"sentiment":"positive","sentiment_score":0.3887578805287679},{"text":"And you'll also have just another version of that financial services guide again.","start":2728.045,"end":2732.865,"sentiment":"neutral","sentiment_score":0.3082728981971741},{"text":"Alan, you would have seen it from your annual review.","start":2733.69,"end":2736.3499,"sentiment":"neutral","sentiment_score":0.22087867558002472},{"text":"Quinn, I believe the onboarding team did email that to you as well.","start":2736.89,"end":2740.73,"sentiment":"neutral","sentiment_score":0.18411970138549805},{"text":"If not, it's in the document.","start":2740.73,"end":2742.83,"sentiment":"neutral","sentiment_score":0.010757520173986753}],"sentiment":"neutral","sentiment_score":0.254487787357025,"num_words":57,"start":2722.605,"end":2742.83},{"sentences":[{"text":"It is just one of those documents to give you all the important information regarding us here at Oakview as well so that you can decide if we are a good fit for yourself.","start":2743.8499,"end":2752.365,"sentiment":"positive","sentiment_score":0.38054821508772235},{"text":"You can see all the team, the directors, or advisers, and everything in that document as well.","start":2753.625,"end":2758.685,"sentiment":"neutral","sentiment_score":0.25348718113758983},{"text":"Now that was essentially everything that I needed to go through with the two of you, which I know there's obviously a lot.","start":2761.2402,"end":2767.9602,"sentiment":"neutral","sentiment_score":0.026268385350704193},{"text":"So take your time.","start":2767.9602,"end":2769.34,"sentiment":"neutral","sentiment_score":0.00834132544696331},{"text":"Have a read over everything.","start":2769.4001,"end":2771.02,"sentiment":"neutral","sentiment_score":0.05146172940731049}],"sentiment":"neutral","sentiment_score":0.21858756872544804,"num_words":83,"start":2743.8499,"end":2771.02},{"sentences":[{"text":"Now Maddie, who you, Quinn, I believe you spoke to last time, you spoke to Maddie or Jordan for the first kind of research process, will give you guys a call in a couple of days just to see if you've had a chance to read over everything and what your thoughts are.","start":2772.4402,"end":2791.785,"sentiment":"neutral","sentiment_score":0.17948428485191092},{"text":"Obviously, take your time to read over it because there is a lot to go through.","start":2792.23,"end":2796.01,"sentiment":"neutral","sentiment_score":0.11549707222729921},{"text":"If you have any further questions, though, at any point in time, just let me know or let Maddie know when she gives you a call, and we can always book you in for another catch up and and discuss and go through any questions you might have.","start":2796.55,"end":2809.7551,"sentiment":"neutral","sentiment_score":0.2896030405536294},{"text":"Same for you, Alan.","start":2809.7551,"end":2810.895,"sentiment":"neutral","sentiment_score":0.23423124477267265},{"text":"Yes.","start":2820.57,"end":2821.05,"sentiment":"neutral","sentiment_score":0.02112050913274288}],"sentiment":"neutral","sentiment_score":0.21491484989824353,"num_words":122,"start":2772.4402,"end":2821.05},{"sentences":[{"text":"Often, it will allow you to do it after you sign, but what I can do is I can just email them to both of you so you have a a PDF version.","start":2821.05,"end":2829.37,"sentiment":"neutral","sentiment_score":0.06251845102418553},{"text":"Would you like all the documents, like, all the PDFs and everything as well?","start":2829.37,"end":2833.4949,"sentiment":"neutral","sentiment_score":0.05545708590320179},{"text":"Yeah.","start":2835.315,"end":2835.635,"sentiment":"neutral","sentiment_score":0.09074316173791884},{"text":"Okay.","start":2835.635,"end":2835.9548,"sentiment":"neutral","sentiment_score":0.1441059410572052},{"text":"Perfect.","start":2835.9548,"end":2836.4348,"sentiment":"positive","sentiment_score":0.6201591491699219}],"sentiment":"neutral","sentiment_score":0.07389032676815986,"num_words":50,"start":2821.05,"end":2836.4348},{"sentences":[{"text":"I may have to do it in two documents.","start":2836.4348,"end":2838.1948,"sentiment":"neutral","sentiment_score":0.2468886656893624},{"text":"I'll see just how big it is, but I will get that out to both of you.","start":2838.1948,"end":2844.72,"sentiment":"neutral","sentiment_score":0.2943665534257889},{"text":"And you're happy with one joint email for the two of you?","start":2844.72,"end":2847.46,"sentiment":"positive","sentiment_score":0.43205172816912335},{"text":"Like, you both will be cc'd in the same email?","start":2847.6,"end":2849.6,"sentiment":"neutral","sentiment_score":0.09671138748526573},{"text":"Yep.","start":2849.6,"end":2850.0,"sentiment":"neutral","sentiment_score":0.26180312037467957}],"sentiment":"neutral","sentiment_score":0.27836259454488754,"num_words":49,"start":2836.4348,"end":2850.0},{"sentences":[{"text":"Perfect.","start":2850.0,"end":2850.5,"sentiment":"positive","sentiment_score":0.6636170148849487},{"text":"I will get that all emailed out to you today.","start":2850.8801,"end":2853.62,"sentiment":"positive","sentiment_score":0.5837239563465119},{"text":"Yeah.","start":2855.28,"end":2855.78,"sentiment":"neutral","sentiment_score":0.08431099355220795},{"text":"No.","start":2856.08,"end":2856.4,"sentiment":"neutral","sentiment_score":-0.06423179805278778},{"text":"Paris.","start":2856.4,"end":2856.9,"sentiment":"neutral","sentiment_score":-0.08637359738349915}],"sentiment":"positive","sentiment_score":0.4596115840332849,"num_words":14,"start":2850.0,"end":2856.9},{"sentences":[{"text":"Yes.","start":2857.905,"end":2858.405,"sentiment":"neutral","sentiment_score":0.0023885443806648254},{"text":"Yep.","start":2861.2651,"end":2861.7651,"sentiment":"neutral","sentiment_score":0.016234537586569786},{"text":"No.","start":2862.225,"end":2862.385,"sentiment":"neutral","sentiment_score":-0.012208112515509129},{"text":"I'm the same.","start":2862.385,"end":2862.945,"sentiment":"neutral","sentiment_score":-0.012002335706104835},{"text":"I sometimes, you know, highlight different things.","start":2862.945,"end":2865.125,"sentiment":"neutral","sentiment_score":-0.0054439033514687}],"sentiment":"neutral","sentiment_score":-0.005207643163605378,"num_words":13,"start":2857.905,"end":2865.125},{"sentences":[{"text":"Sorry.","start":2865.825,"end":2866.145,"sentiment":"neutral","sentiment_score":0.002141151577234268},{"text":"I I completely get it.","start":2866.145,"end":2867.685,"sentiment":"neutral","sentiment_score":0.05762831270694733},{"text":"No.","start":2868.705,"end":2868.945,"sentiment":"neutral","sentiment_score":0.001432955265045166},{"text":"I will get that emailed through to both of you.","start":2868.945,"end":2871.185,"sentiment":"neutral","sentiment_score":0.04875660482794046},{"text":"But do you guys have any other questions before I kind of let you go this morning otherwise at this point in time?","start":2871.185,"end":2877.26,"sentiment":"neutral","sentiment_score":-0.02021042848734752}],"sentiment":"neutral","sentiment_score":0.007861046586185694,"num_words":40,"start":2865.825,"end":2877.26},{"sentences":[{"text":"Nope.","start":2879.24,"end":2879.74,"sentiment":"neutral","sentiment_score":-0.08676832914352417},{"text":"Yep.","start":2880.04,"end":2880.54,"sentiment":"neutral","sentiment_score":0.04149779677391052},{"text":"Yes.","start":2887.495,"end":2887.995,"sentiment":"neutral","sentiment_score":0.04443628340959549},{"text":"Yes.","start":2888.375,"end":2888.875,"sentiment":"neutral","sentiment_score":0.10200081765651704},{"text":"Exactly.","start":2889.655,"end":2890.155,"sentiment":"neutral","sentiment_score":0.11220304667949677}],"sentiment":"neutral","sentiment_score":0.04267392307519913,"num_words":5,"start":2879.24,"end":2890.155},{"sentences":[{"text":"And like I said, you have a bit of time to decide for for the two of you.","start":2890.615,"end":2894.395,"sentiment":"neutral","sentiment_score":0.13904466604193053},{"text":"Any questions, you can even just email me or give me a call, and we can book you in for another catch up as well.","start":2895.095,"end":2901.6099,"sentiment":"neutral","sentiment_score":0.18237291872501374},{"text":"Yep.","start":2902.63,"end":2903.13,"sentiment":"neutral","sentiment_score":0.2859278917312622},{"text":"Beautiful.","start":2903.27,"end":2903.77,"sentiment":"positive","sentiment_score":0.6815907955169678},{"text":"No.","start":2904.39,"end":2904.79,"sentiment":"positive","sentiment_score":0.3395671844482422}],"sentiment":"neutral","sentiment_score":0.18193940931688185,"num_words":46,"start":2890.615,"end":2904.79},{"sentences":[{"text":"That's okay.","start":2904.79,"end":2905.5898,"sentiment":"positive","sentiment_score":0.43120525777339935},{"text":"Thank you so much for your time, both of you today and last time as well.","start":2905.5898,"end":2910.73,"sentiment":"positive","sentiment_score":0.7481795661151409},{"text":"And I look forward to hearing from the two of you soon.","start":2911.655,"end":2915.335,"sentiment":"positive","sentiment_score":0.6678852873543898},{"text":"And, yeah, any questions or anything that I can help you with, just let me know.","start":2915.335,"end":2918.955,"sentiment":"neutral","sentiment_score":0.24559376761317253},{"text":"Mhmm.","start":2930.55,"end":2931.05,"sentiment":"neutral","sentiment_score":0.2957770824432373}],"sentiment":"positive","sentiment_score":0.5334720082105474,"num_words":47,"start":2904.79,"end":2931.05},{"sentences":[{"text":"Yes.","start":2932.2302,"end":2932.7302,"sentiment":"neutral","sentiment_score":0.26981115341186523},{"text":"Correct.","start":2937.2249,"end":2937.7249,"sentiment":"positive","sentiment_score":0.3539034426212311},{"text":"Yeah.","start":2945.065,"end":2945.565,"sentiment":"neutral","sentiment_score":0.15967845916748047},{"text":"Exactly.","start":2947.145,"end":2947.645,"sentiment":"neutral","sentiment_score":0.14679257571697235},{"text":"But it is valid.","start":2947.785,"end":2949.14,"sentiment":"neutral","sentiment_score":0.1544266678392887}],"sentiment":"neutral","sentiment_score":0.193486537784338,"num_words":8,"start":2932.2302,"end":2949.14},{"sentences":[{"text":"So it is valid for sixty days.","start":2949.2,"end":2951.2,"sentiment":"neutral","sentiment_score":0.17363873549870082},{"text":"So the document was created on the June 23, which means that you have sixty days.","start":2951.2,"end":2957.46,"sentiment":"neutral","sentiment_score":0.13219417538493872},{"text":"So just let me know, ideally, by the end of this month, the latest on what you are thinking.","start":2957.52,"end":2965.305,"sentiment":"neutral","sentiment_score":0.09239934424036428},{"text":"Just because, obviously, if it does expire, we will just have to redo everything to make sure it's still, obviously, the numbers and everything because there is obviously a deadline with numbers.","start":2966.805,"end":2976.36,"sentiment":"neutral","sentiment_score":-0.11879561701789498},{"text":"But just let me know.","start":2977.08,"end":2978.04,"sentiment":"neutral","sentiment_score":0.022757852077484132}],"sentiment":"neutral","sentiment_score":0.017702468494071238,"num_words":79,"start":2949.2,"end":2978.04},{"sentences":[{"text":"You still have time to have a look through everything.","start":2978.04,"end":2980.84,"sentiment":"neutral","sentiment_score":0.014025995507836342},{"text":"But, yes, we did factoring all the changes to this financial year because it was so close when we'd prepared everything.","start":2980.84,"end":2987.34,"sentiment":"neutral","sentiment_score":-0.02555917575955391},{"text":"Yep.","start":2989.015,"end":2989.515,"sentiment":"neutral","sentiment_score":0.1710580289363861},{"text":"Perfect.","start":2989.575,"end":2990.075,"sentiment":"positive","sentiment_score":0.7067903280258179},{"text":"Yeah.","start":2990.695,"end":2991.015,"sentiment":"positive","sentiment_score":0.6043530702590942}],"sentiment":"neutral","sentiment_score":0.03193290268673616,"num_words":34,"start":2978.04,"end":2991.015},{"sentences":[{"text":"Just let me know how you go.","start":2991.015,"end":2992.295,"sentiment":"positive","sentiment_score":0.6706256525857108},{"text":"And thank you so much for your time, and I hope you enjoy the rest of your day.","start":2992.295,"end":2996.635,"sentiment":"positive","sentiment_score":0.7855527102947235},{"text":"No worries.","start":3000.043,"end":3000.6829,"sentiment":"neutral","sentiment_score":0.32822711765766144},{"text":"We'll speak soon.","start":3000.6829,"end":3001.743,"sentiment":"neutral","sentiment_score":0.29619884490966797},{"text":"You too.","start":3001.803,"end":3002.543,"sentiment":"neutral","sentiment_score":0.25359896570444107}],"sentiment":"positive","sentiment_score":0.652705532964319,"num_words":32,"start":2991.015,"end":3002.543},{"sentences":[{"text":"Bye.","start":3002.6829,"end":3003.1829,"sentiment":"neutral","sentiment_score":-0.0677611231803894}],"sentiment":"neutral","sentiment_score":-0.0677611231803894,"num_words":1,"start":3002.6829,"end":3003.1829}]}}]},{"alternatives":[{"transcript":"Hello. Quinn speaking. Yes. Good. Thank you. My Verizon account. Allan here with me. Hello? I'm doing well. Yeah. Mhmm. Mhmm. Nope. Yep. Quinn Ho. Date of birth, twenty six zero six nineteen eighty nine. Address, Number 1 Longbourn Avenue, Notting Hill. Alan Ethan Ory. Date of birth, 11/01/1988. Same address. Yep. I have looked through most of it, but not all of it. Yeah. So I think I got to, like, about page 45 or something like that. So yeah. Mhmm. Yeah. Yep. Yep. Yeah. I still got it. Yeah. Mhmm. Yeah. Mhmm. Yep. Mhmm. Mhmm. Mhmm. Mhmm. Yes. Mhmm. Mhmm. Yep. Mhmm. Yep. Yep. Mhmm. Mhmm. Mhmm. Mhmm. Yep. Mhmm. Yep. Yep. Like, if we do it, do we have to do anything to the government, or the government will just say that income is yep. Mhmm. Yep. Yep. Okay. Mhmm. Nope. No. That's it. Yep. Yeah. Yeah. Alright. Yeah. Mhmm. Mhmm. Mhmm. Yep. Mhmm. Yep. Yep. Okay. Yep. Yep. Mhmm. Yep. Yep. Yep. So for the last financial year and the first tax strategy that we talked about, which is the 1,000 contribution, did it have to be added in during that financial year? Okay. Yep. Mhmm. And then does yep. Yep. Okay. And then the same thing with this one. We're talking about the spousal contribution? Yeah. Okay. Mhmm. Mhmm. Mhmm. Yep. Yep. Mhmm. Yep. Yep. Yep. Mhmm. Yep. Yep. So then how does how does the government know that it's coming from Allan's account for this second strategy? Okay. Yep. Yeah. Right. Yep. Yes. Mhmm. Okay. Yep. Alright. Yeah. I I assume that if we said if we agreed to it, you would yeah. You'd you guys would assist with the actual mechanics of of doing think. Yeah. Mhmm. Okay. Yeah. Yeah. Yep. Perfect. Mhmm. Yep. Yep. Nope. That's pretty straightforward. Yep. Yep. Yep. Mhmm. Yep. Yeah. Okay. Mhmm. Yeah. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. Yep. Yep. Mhmm. Yeah. Mhmm. Yeah. Yep. Mhmm. Yep. Mhmm. Yeah. It does. Yeah. Yep. Yeah. Interesting. Should I be taking that out of my super, or should I be paying for that personally? Because I I think I paid for that personally. Yep. Yeah. Okay. Yeah. It makes sense. K. Yeah. Okay. No. That makes sense. Yep. Mhmm. Mhmm. Yep. Yeah. Yep. Yep. Yep. I see him. Yep. Yep. Yep. No. All makes sense. Mhmm. Yeah. Yeah. Okay. Yeah. Okay. Right. Yeah. Makes sense. Yep. Yep. Yep. Yep. Yeah. Makes sense. Page 29. Yep. Yep. Yep. Yep. Mhmm. Right. Okay. So this was that 4,420 is the figure on the the other table that that we had, the one that was on yeah. Yeah. Yeah. Yeah. Okay. Cool. That makes sense. Yep. Yep. Yeah. I see. Cool. Mhmm. Yep. Right. Yep. Okay. Yeah. Makes sense. Yeah. Mhmm. Yep. Yep. Yep. Yep. Yep. Yeah. Yeah. Yep. Yep. Yeah. Mhmm. Yeah. Yeah. Makes sense. Mhmm. Mhmm. Yep. Yep. Yep. Okay. Yeah. Okay. Yeah. It makes sense. Yep. Yep. Yep. That's fine. Yeah. Yeah. Seems good. Yep. Mhmm. Yep. Yes. Yes. Yeah. That's it. Yep. Yeah. Okay. Yeah. Yeah. Sounds good. Yep. Yeah. That's something that we know we should do. We haven't really gotten into it. Yeah. Yep. Yep. Yep. Mhmm. Yep. Yeah. Cool. Yep. Yeah. Mhmm. Yep. Yes. Yep. Mhmm. Nope. That makes sense. Mhmm. Mhmm. Thank you. Yep. Yep. Yep. Mhmm. Yep. Mhmm. Where's the where's the appendix again? Can I where was that one that you just needed? In the browser, there's, like, a little error. So there's, like, twelve twelve things in here. Yep. Okay. Maybe I just can't see it on mobile if I'm on mobile. I think it do I have to press click to start. Maybe I press that test. No. I'll pull it up on I I can see on Quinton, and I'll pull it up in Apple. So it's all good. Yep. Yeah. Mhmm. Yep. Yep. Yep. Mhmm. Mhmm. Yep. Mhmm. Mhmm. Yeah. Is there a way to download, like, a PDF version of these on files to read them? Yep. Yep. Yes, please. Yeah. Yep. Yep. Yep. Yeah. That's fine. Yeah. Yep. Yep. That'd be perfect. It's just a bit harder to read on laptop, and I usually like to read on my iPad. Yeah. Yeah. Yeah. No. At that moment. I think, yeah, I think that was for you. It was very yeah. And I think, yeah, just making sure that we understand everything before we sign Yeah. Is the next step. Mhmm. Yep. Mhmm. Yep. Perfect. Thank you, Veronica. Alright. Thank you, Veronica. Yep. So in terms of deadline, the like, obviously, we're we're in the new financials. So all this process is for this like, as in it's the July 1. Happy financial year, but we're in so we'll be we'll be working for this. And I guess, like, essentially, the sooner we do it, just kinda the better it is. Yeah. Yeah. Okay. Yeah. Yep. Mhmm. Yep. Yep. Mhmm. Yep. Yep. Mhmm. Mhmm. Yep. Mhmm. Alright. Happy thank you, Veronica. Alright. 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Quinn speaking. Yes. Good. Thank you.\n\nMy Verizon account. Allan here with me. Hello? I'm doing well. Yeah.\n\nMhmm. Mhmm. Nope. Yep. Quinn Ho.\n\nDate of birth, twenty six zero six nineteen eighty nine. Address, Number 1 Longbourn Avenue, Notting Hill. Alan Ethan Ory. Date of birth, 11/01/1988. Same address.\n\nYep. I have looked through most of it, but not all of it. Yeah. So I think I got to, like, about page 45 or something like that. So yeah.\n\nMhmm. Yeah. Yep. Yep. Yeah.\n\nI still got it. Yeah. Mhmm. Yeah. Mhmm.\n\nYep. Mhmm. Mhmm. Mhmm. Mhmm.\n\nYes. Mhmm. Mhmm. Yep. Mhmm.\n\nYep. Yep. Mhmm. Mhmm. Mhmm.\n\nMhmm. Yep. Mhmm. Yep. Yep.\n\nLike, if we do it, do we have to do anything to the government, or the government will just say that income is yep. Mhmm. Yep. Yep. Okay.\n\nMhmm. Nope. No. That's it. Yep.\n\nYeah. Yeah. Alright. Yeah. Mhmm.\n\nMhmm. Mhmm. Yep. Mhmm. Yep.\n\nYep. Okay. Yep. Yep. Mhmm.\n\nYep. Yep. Yep. So for the last financial year and the first tax strategy that we talked about, which is the 1,000 contribution, did it have to be added in during that financial year? Okay.\n\nYep. Mhmm. And then does yep. Yep. Okay.\n\nAnd then the same thing with this one. We're talking about the spousal contribution? Yeah. Okay. Mhmm.\n\nMhmm. Mhmm. Yep. Yep. Mhmm.\n\nYep. Yep. Yep. Mhmm. Yep.\n\nYep. So then how does how does the government know that it's coming from Allan's account for this second strategy? Okay. Yep. Yeah.\n\nRight. Yep. Yes. Mhmm. Okay.\n\nYep. Alright. Yeah. I I assume that if we said if we agreed to it, you would yeah. You'd you guys would assist with the actual mechanics of of doing think.\n\nYeah. Mhmm. Okay. Yeah. Yeah.\n\nYep. Perfect. Mhmm. Yep. Yep.\n\nNope. That's pretty straightforward. Yep. Yep. Yep.\n\nMhmm. Yep. Yeah. Okay. Mhmm.\n\nYeah. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yeah. Yep.\n\nYep. Mhmm. Yeah. Mhmm. Yeah.\n\nYep. Mhmm. Yep. Mhmm. Yeah.\n\nIt does. Yeah. Yep. Yeah. Interesting.\n\nShould I be taking that out of my super, or should I be paying for that personally? Because I I think I paid for that personally. Yep. Yeah. Okay.\n\nYeah. It makes sense. K. Yeah. Okay.\n\nNo. That makes sense. Yep. Mhmm. Mhmm.\n\nYep. Yeah. Yep. Yep. Yep.\n\nI see him. Yep. Yep. Yep. No.\n\nAll makes sense. Mhmm. Yeah. Yeah. Okay.\n\nYeah. Okay. Right. Yeah. Makes sense.\n\nYep. Yep. Yep. Yep. Yeah.\n\nMakes sense. Page 29. Yep. Yep. Yep.\n\nYep. Mhmm. Right. Okay. So this was that 4,420 is the figure on the the other table that that we had, the one that was on yeah.\n\nYeah. Yeah. Yeah. Okay. Cool.\n\nThat makes sense. Yep. Yep. Yeah. I see.\n\nCool. Mhmm. Yep. Right. Yep.\n\nOkay. Yeah. Makes sense. Yeah. Mhmm.\n\nYep. Yep. Yep. Yep. Yep.\n\nYeah. Yeah. Yep. Yep. Yeah.\n\nMhmm. Yeah. Yeah. Makes sense. Mhmm.\n\nMhmm. Yep. Yep. Yep. Okay.\n\nYeah. Okay. Yeah. It makes sense. Yep.\n\nYep. Yep. That's fine. Yeah. Yeah.\n\nSeems good. Yep. Mhmm. Yep. Yes.\n\nYes. Yeah. That's it. Yep. Yeah.\n\nOkay. Yeah. Yeah. Sounds good. Yep.\n\nYeah. That's something that we know we should do. We haven't really gotten into it. Yeah. Yep.\n\nYep. Yep. Mhmm. Yep. Yeah.\n\nCool. Yep. Yeah. Mhmm. Yep.\n\nYes. Yep. Mhmm. Nope. That makes sense.\n\nMhmm. Mhmm. Thank you. Yep. Yep.\n\nYep. Mhmm. Yep. Mhmm. Where's the where's the appendix again?\n\nCan I where was that one that you just needed? In the browser, there's, like, a little error. So there's, like, twelve twelve things in here. Yep. Okay.\n\nMaybe I just can't see it on mobile if I'm on mobile. I think it do I have to press click to start. Maybe I press that test. No. I'll pull it up on I I can see on Quinton, and I'll pull it up in Apple.\n\nSo it's all good. Yep. Yeah. Mhmm. Yep.\n\nYep. Yep. Mhmm. Mhmm. Yep.\n\nMhmm. Mhmm. Yeah. Is there a way to download, like, a PDF version of these on files to read them? Yep.\n\nYep. Yes, please. Yeah. Yep. Yep.\n\nYep. Yeah. That's fine. Yeah. Yep.\n\nYep. That'd be perfect. It's just a bit harder to read on laptop, and I usually like to read on my iPad. Yeah. Yeah.\n\nYeah. No. At that moment. I think, yeah, I think that was for you. It was very yeah.\n\nAnd I think, yeah, just making sure that we understand everything before we sign Yeah. Is the next step. Mhmm. Yep. Mhmm.\n\nYep. Perfect. Thank you, Veronica. Alright. Thank you, Veronica.\n\nYep. So in terms of deadline, the like, obviously, we're we're in the new financials. So all this process is for this like, as in it's the July 1. Happy financial year, but we're in so we'll be we'll be working for this. And I guess, like, essentially, the sooner we do it, just kinda the better it is.\n\nYeah. Yeah. Okay. Yeah. Yep.\n\nMhmm. Yep. Yep. Mhmm. Yep.\n\nYep. Mhmm. Mhmm. Yep. Mhmm.\n\nAlright. Happy thank you, Veronica. Alright. Have a good day.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.24,"end":0.48,"sentiment":"neutral","sentiment_score":0.027711492031812668},{"text":"Quinn speaking.","start":0.48,"end":1.38,"sentiment":"neutral","sentiment_score":0.02864335384219885},{"text":"Yes.","start":4.24,"end":4.74,"sentiment":"neutral","sentiment_score":0.1122041568160057},{"text":"Good.","start":8.4,"end":8.72,"sentiment":"positive","sentiment_score":0.4986509680747986},{"text":"Thank you.","start":8.72,"end":9.46,"sentiment":"positive","sentiment_score":0.6092045307159424}],"sentiment":"neutral","sentiment_score":0.2734660551484142,"num_words":7,"start":0.24,"end":9.46},{"sentences":[{"text":"My Verizon account.","start":9.5199995,"end":10.48,"sentiment":"positive","sentiment_score":0.360248068968455},{"text":"Allan here with 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yeah.","start":2882.035,"end":2883.355,"sentiment":"neutral","sentiment_score":0.1405831314623356}],"sentiment":"neutral","sentiment_score":0.055845258550511465,"num_words":18,"start":2866.47,"end":2883.355},{"sentences":[{"text":"And I think, yeah, just making sure that we understand everything before we sign Yeah.","start":2883.355,"end":2887.915,"sentiment":"neutral","sentiment_score":0.01664433181285858},{"text":"Is the next 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Veronica.","start":2902.7349,"end":2903.795,"sentiment":"positive","sentiment_score":0.5801288286844889},{"text":"Alright.","start":2903.855,"end":2904.095,"sentiment":"neutral","sentiment_score":0.30979758501052856},{"text":"Thank you, Veronica.","start":2904.095,"end":2904.915,"sentiment":"positive","sentiment_score":0.3498874406019847}],"sentiment":"positive","sentiment_score":0.40960826476414997,"num_words":9,"start":2901.76,"end":2904.915},{"sentences":[{"text":"Yep.","start":2919.24,"end":2919.72,"sentiment":"neutral","sentiment_score":0.1145929917693138},{"text":"So in terms of deadline, the like, obviously, we're we're in the new financials.","start":2919.72,"end":2924.78,"sentiment":"neutral","sentiment_score":0.015987354995948926},{"text":"So all this process is for this like, as in it's the July 1.","start":2924.8398,"end":2930.085,"sentiment":"neutral","sentiment_score":0.03391428717545101},{"text":"Happy financial year, but we're in so we'll be we'll be working for this.","start":2930.085,"end":2936.665,"sentiment":"positive","sentiment_score":0.39234448437179836},{"text":"And I guess, like, essentially, the sooner we do it, just kinda the better it is.","start":2938.165,"end":2944.56,"sentiment":"neutral","sentiment_score":0.24473035242408514}],"sentiment":"neutral","sentiment_score":0.1732495661382958,"num_words":59,"start":2919.24,"end":2944.56},{"sentences":[{"text":"Yeah.","start":2945.82,"end":2946.14,"sentiment":"neutral","sentiment_score":0.14166148006916046},{"text":"Yeah.","start":2946.14,"end":2946.6199,"sentiment":"neutral","sentiment_score":0.11733107268810272},{"text":"Okay.","start":2946.6199,"end":2946.94,"sentiment":"neutral","sentiment_score":0.11234180629253387},{"text":"Yeah.","start":2946.94,"end":2947.44,"sentiment":"neutral","sentiment_score":0.11901862919330596},{"text":"Yep.","start":2948.14,"end":2948.64,"sentiment":"neutral","sentiment_score":0.15220199525356293}],"sentiment":"neutral","sentiment_score":0.1285109966993332,"num_words":5,"start":2945.82,"end":2948.64},{"sentences":[{"text":"Mhmm.","start":2957.02,"end":2957.52,"sentiment":"neutral","sentiment_score":0.05186761915683746},{"text":"Yep.","start":2958.14,"end":2958.465,"sentiment":"neutral","sentiment_score":0.08680649846792221},{"text":"Yep.","start":2965.985,"end":2966.485,"sentiment":"neutral","sentiment_score":0.044013574719429016},{"text":"Mhmm.","start":2976.8098,"end":2976.89,"sentiment":"neutral","sentiment_score":0.004669660702347755},{"text":"Yep.","start":2976.89,"end":2977.39,"sentiment":"neutral","sentiment_score":0.04586430639028549}],"sentiment":"neutral","sentiment_score":0.04664433188736439,"num_words":5,"start":2957.02,"end":2977.39},{"sentences":[{"text":"Yep.","start":2978.65,"end":2979.15,"sentiment":"neutral","sentiment_score":0.033986177295446396},{"text":"Mhmm.","start":2981.6099,"end":2982.1099,"sentiment":"neutral","sentiment_score":0.014555731788277626},{"text":"Mhmm.","start":2988.17,"end":2988.67,"sentiment":"neutral","sentiment_score":0.11284631490707396},{"text":"Yep.","start":2989.1948,"end":2989.6948,"sentiment":"neutral","sentiment_score":0.2678908705711365},{"text":"Mhmm.","start":2997.115,"end":2997.595,"sentiment":"neutral","sentiment_score":0.2638809084892273}],"sentiment":"neutral","sentiment_score":0.13863200061023234,"num_words":5,"start":2978.65,"end":2997.595},{"sentences":[{"text":"Alright.","start":2997.595,"end":2998.095,"sentiment":"positive","sentiment_score":0.4696529805660248},{"text":"Happy thank you, Veronica.","start":2998.155,"end":2999.535,"sentiment":"positive","sentiment_score":0.7293973714113235},{"text":"Alright.","start":2999.755,"end":3000.0298,"sentiment":"positive","sentiment_score":0.3758108019828797},{"text":"Have a good day.","start":3000.0298,"end":3001.295,"sentiment":"positive","sentiment_score":0.42999205738306046}],"sentiment":"positive","sentiment_score":0.548302149772644,"num_words":10,"start":2997.595,"end":3001.295}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Quinn speaking.\n\nChannel 0: Good morning. Is this Quinn?\n\nChannel 1: Yes.\n\nChannel 0: This is Veronica from Financial. How are you?\n\nChannel 1: Good. Thank you. My Verizon account.\n\nChannel 0: That's\n\nChannel 1: Allan\n\nChannel 0: good.\n\nChannel 1: here with me. Hello?\n\nChannel 0: Hi, Alan. How are you?\n\nChannel 1: I'm doing well.\n\nChannel 0: Yeah. That's good. I had you both in just to kind of go through the rest of the the recommendations. Do you guys still have time this morning?\n\nChannel 1: Yeah. Mhmm.\n\nChannel 0: Yes. Perfect. Now because we already have gone through a bit. Hopefully, I won't keep you guys for too long this morning. But before I do kind of jump in, I do need to let you both know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Mhmm. Nope.\n\nChannel 0: Perfect. And just as per last time, just for security purposes so that I can confirm I am speaking with the right people, could you just confirm full name, date of birth, and address, please?\n\nChannel 1: Yep. Quinn Ho. Date of birth, twenty six zero six nineteen eighty nine. Address, Number 1 Longbourn Avenue, Notting Hill.\n\nChannel 0: Yep.\n\nChannel 1: Alan Ethan Ory. Date of birth, 11/01/1988.\n\nChannel 0: Yep.\n\nChannel 1: Same address. Yep.\n\nChannel 0: Yep. Perfect. And have you guys had a chance to look through anything or or not really?\n\nChannel 1: I have looked through most of it, but not all of\n\nChannel 0: Okay.\n\nChannel 1: it.\n\nChannel 0: No.\n\nChannel 1: Yeah. So I think I got to, like, about page 45 or something like that. So\n\nChannel 0: Yep.\n\nChannel 1: yeah.\n\nChannel 0: No. That's all good. So what I will do today is just kind of briefly go through the rest of the recommendations with you guys.\n\nChannel 1: Mhmm. Yeah.\n\nChannel 0: And then afterwards, you still have obviously some time to have a read over everything and decide what you would like to do. And if you do have any further questions, we can always book in for another catch up. But do you guys have access to your emails again for that document? Just\n\nChannel 1: Yep.\n\nChannel 0: one of you is fine. Yep.\n\nChannel 1: Yep. Yeah. I still got\n\nChannel 0: Now\n\nChannel 1: it.\n\nChannel 0: yeah. Perfect. Now if you can jump into the document and scroll down to page let me see here. 23. That's kind of where we stopped last time.\n\nChannel 1: Yeah. Mhmm. Yeah.\n\nChannel 0: Perfect. So we basically have touched on, obviously, Quinn's recommendation for superannuation. Then the next thing we were going to focus on is obviously the different contribution ways of trying to make things as tax effective for both of you, but also making sure that we are boosting both of your superannuation, but basically in the most tax effective way. Now\n\nChannel 1: Mhmm.\n\nChannel 0: one of the recommendations I have made for Quinn was when it comes to making those additional contributions. You mentioned when we did the, the first conversation that you were willing to put potentially a little bit into your if it was going to be the best for you. But,\n\nChannel 1: Yep.\n\nChannel 0: obviously, with the income that you are on at the moment, doing it through salary sacrifice is not the most tax effective way because you are on, a very low income from that point, so the tax savings won't be as great. So what I have recommended instead, it is a little bit different. It is called a government co contribution. So\n\nChannel 1: Mhmm.\n\nChannel 0: if you did have a chance to have a read through the document, but, basically, what it is, it is a scheme where the government are basically having a strategy in place to help low and middle income earners boost their super. So\n\nChannel 1: Mhmm.\n\nChannel 0: how it works is that if you make a after tax contribution, so let's say just from your bank account into superannuation, the government make an additional contributions themselves to help boost that for you.\n\nChannel 1: Mhmm.\n\nChannel 0: Now how it is is that they will do a maximum of $500 if you are eligible. The eligibility criteria for this new financial year is that your income to get the full of 5\n\nChannel 1: Mhmm.\n\nChannel 0: 100, your income has to be under 49,293. Now it\n\nChannel 1: Yes.\n\nChannel 0: is something that you can make at the end of this financial year. So it's not something you have to decide now even, and you can obviously\n\nChannel 1: Mhmm.\n\nChannel 0: see how, obviously, the business and and everything else is going. And then if it is that you are under that threshold, obviously, given we have rolled over to a new financial year, it is something that you can decide closer to the end of this financial year to make sure you're still eligible because, obviously, things can change in the meantime. So how it works is that if you put\n\nChannel 1: Mhmm.\n\nChannel 0: in a thousand dollars yourself, but from your bank account, the government will match 500\n\nChannel 1: Yep.\n\nChannel 0: dollars. That's probably,\n\nChannel 1: Mhmm.\n\nChannel 0: like, the most tax effective way. You can obviously put more in, but the max they will do is 500. So by\n\nChannel 1: Yep.\n\nChannel 0: putting thousand in, they will put 500 and match it themselves, which is a really good incentive. Does that make sense?\n\nChannel 1: Yep. Mhmm.\n\nChannel 0: Yep. Perfect. Now it is pretty straightforward. In the strategy paper, I have outlined some advantages in regards to it. It is the most tax effective way where they literally just match 500.\n\nYou don't have to pay tax on it or anything like that. They just put that in to help boost your superannuation. This advantage, obviously, is that you will have a thousand dollars less in your cash account if something, you know, were to happen, and it is locked in until you meet a condition of a lease. So, obviously,\n\nChannel 1: Mhmm.\n\nChannel 0: make sure you don't need that thousand dollars if something were to happen.\n\nChannel 1: Mhmm.\n\nChannel 0: Yep. One of the risk is that there can obviously be changes to superannuation and tax legislation if something were to happen, but, also, obviously, your income will be the biggest change. So, obviously, keep an eye on it if it was something you wanted to to do sooner. Obviously, the the sooner you put the money in, the longer it will compound and be invested for you. But, also, just be mindful that if your income does exceed a lot this year, that you may not be eligible for it.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Yeah. Does that make sense?\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Perfect. And now other alternatives like I mentioned, I did consider, obviously, salary sacrifice wasn't very tax effective for you or even just making personal contributions, claiming an NOI on that. But, again, because of your income, it's not the most tax effective. The the kind of highest return rate is this government co contribution strategy. So it is pretty straightforward.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Any questions before I move on to the next contribution strategy?\n\nChannel 1: Like, if we do it, do we have to do anything to the government, or the government will just say that income\n\nChannel 0: It'll\n\nChannel 1: is\n\nChannel 0: auto Correct. So what you'll do is you'll just put a thousand dollars in, and\n\nChannel 1: yep.\n\nChannel 0: then the government will automatically put it into your superannuation When you do, like, your tax return and everything and they see that you are a lower middle middle income earner, you\n\nChannel 1: Mhmm.\n\nChannel 0: have\n\nChannel 1: Yep.\n\nChannel 0: made that contribution. So you don't have to do anything. They will just put that in automatically.\n\nChannel 1: Yep. Okay. Mhmm.\n\nChannel 0: Yep. Any other questions?\n\nChannel 1: Nope. No. That's it.\n\nChannel 0: No. Perfect. Now the the next strategy I have done is on page 26. So this is kind of a little bit like we were touching on for both of you guys when it comes to different spousal contribution strategies. So, essentially, there are two ways you can make spousal contributions.\n\nOne is what I have recommended, and the other one is that contribution splitting. Now I think that was kind of what we were touching on first, Alan,\n\nChannel 1: Yep.\n\nChannel 0: and I think that is something you touched on with my sorry. Do you guys hear my dog?\n\nChannel 1: Yeah. Yeah. Alright.\n\nChannel 0: Yes. Sorry. I'm just working from home today, and it's just a delivery.\n\nChannel 1: Yeah.\n\nChannel 0: So I'll just let her outside because she sounds aggressive, but she's harmless. She's a little loud. So apologies for that. Now like I said, there are two different contributions for spousal. So there's spousal splitting, which is basically where Alan decides to give up a portion of his contributions going into Quinn's superannuation.\n\nIt was something I did consider, but for, like, a overall situation, it wasn't the most tax effective, and that is essentially because Alan is already above the concessional contribution cap.\n\nChannel 1: Mhmm.\n\nChannel 0: Now to make it very tax effective, it would be if Alan was quite below the contribution cap, then Alan's salary sacrificing into his superannuation because he is on a high tax bracket, splitting some of those contribution with UQIN would be the most tax effective. But because\n\nChannel 1: Mhmm.\n\nChannel 0: of, obviously, Alan being receiving quite a lot of contributions already through superannuation and, obviously, the salary sacrifice you are doing and kind of exceeding that cap space, it\n\nChannel 1: Mhmm.\n\nChannel 0: wasn't as effective. So what I have recommended instead, it is something that's called spousal contribution. So it's not where Alan touches any of his contributions himself, instead makes an additional contribution. Now how it works is if Alan decides to put in $3,000 into Queen's Super, and,\n\nChannel 1: Yep.\n\nChannel 0: again, this is after tax contribution. So it can be from your your bank account or anything like that, puts it into Queen's Superannuation. Because of it, he can get a tax offset of 18% of the contributions made, which equates to about $540 per financial year.\n\nChannel 1: Mhmm.\n\nChannel 0: Does that\n\nChannel 1: Yep.\n\nChannel 0: make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. And, obviously, tax offset can be a little bit more beneficial than, like, a tax deduction deduction because the tax offset is essentially where you deduct directly from the final amount of your tax. So it's basically a dollar for dollar discount.\n\nChannel 1: Okay.\n\nChannel 0: So it is pretty good. So it is a way where Queen, you can pour a little bit more into super. At the same time, Alan will get that tax offset. So kind of factoring in for both of you, it was the most tax effective way in making sure that we've boost Queen's superannuation while also giving Alan a little bit of that tax offset given he is on the highest income.\n\nChannel 1: Yep.\n\nChannel 0: Does that\n\nChannel 1: Yep.\n\nChannel 0: make sense?\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Yep. But, again, these are just recommendations in trying to boost super for for both of you while also making it tax effective. Like I said last time, it is completely up to you whether you wanted to do all of these contribution strategies or just one or see how you go. And, again, it does depend on, Quinn's income at the end of the financial year. So if it is something that\n\nChannel 1: Yep.\n\nChannel 0: you just wanna hold off, see whatever happens, because obviously, just rolled into that new financial year, so there's obviously a bit of time where things can change. It is\n\nChannel 1: Yep.\n\nChannel 0: completely up to you guys. It's not something you even have to decide what if you wanted to do now or not.\n\nChannel 1: So for the last financial year and the first tax\n\nChannel 0: Mhmm.\n\nChannel 1: strategy that we talked about, which is the 1,000\n\nChannel 0: Yes.\n\nChannel 1: contribution, did it have\n\nChannel 0: Yes.\n\nChannel 1: to be added in during that financial year?\n\nChannel 0: Correct.\n\nChannel 1: Okay. Yep. Mhmm.\n\nChannel 0: Yeah. So\n\nChannel 1: And then\n\nChannel 0: if\n\nChannel 1: does\n\nChannel 0: it was that you did it last financial year, they would have\n\nChannel 1: yep.\n\nChannel 0: then put it in. But because they have rolled into a new financial year, it has to be done the the contribution has to be made that financial year.\n\nChannel 1: Yep. Okay. And then the same thing with this one. We're talking about the spousal contribution?\n\nChannel 0: Correct. Yes.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Yep.\n\nChannel 1: Mhmm.\n\nChannel 0: So, obviously, time was a bit crunch time getting so close to the end of this money into a year.\n\nChannel 1: Mhmm.\n\nChannel 0: But even if it was that we did it, let's say, last week, obviously, opening\n\nChannel 1: Mhmm.\n\nChannel 0: up accounts and doing everything with the money would have been really crunch time because, also, with the super funds and the administration\n\nChannel 1: Yep.\n\nChannel 0: process, it can take a little bit for things to get into place as well. Yep.\n\nChannel 1: Yep.\n\nChannel 0: But this is also something that if your situation, Quinn, stays the same for a couple of years, it is something you can do each financial year as well. But, obviously, it is something that I recommend we reassess as we go. Obviously,\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: if your situation changed, then, obviously, the business is making a lot more money and you decide to obviously draw an income a lot more, other investments are making obviously money, then it is something we should reassess\n\nChannel 1: Yep.\n\nChannel 0: just to make sure it still aligns with both of you.\n\nChannel 1: Yep. Mhmm. Yep.\n\nChannel 0: Yes. Any questions about that? Oh, that's pretty straightforward as well.\n\nChannel 1: Yep. So then how does how does the government know that it's coming from Allan's account for this second strategy?\n\nChannel 0: So he would just have to put it in, essentially. Whether that come from a joint bank account or not, it doesn't\n\nChannel 1: Okay.\n\nChannel 0: really matter as long as he's the one making that contribution, and we would then assist with all the administrative side of it. So whether that is actually from Queen, let's say, you transfer money into your joint bank account, as long as it is a bank account, obviously, that Alan is also part of, and then Alan makes it that way, there's no way of them, obviously, knowing if you transferred, let's say, 3,000 into your joint\n\nChannel 1: Yep.\n\nChannel 0: account and then Alan made it that way. As long as it's\n\nChannel 1: Yeah.\n\nChannel 0: kind of registered that Alan made the contribution. But we can also assist with how to do it. So there are when you are doing it with hub twenty four, for example, they have a lot of different codes depending on how you want to put it in. And that's where we\n\nChannel 1: Right.\n\nChannel 0: would then obviously assist with directing, okay, use this code or here's the form to do it this way. So make\n\nChannel 1: Yep.\n\nChannel 0: sure it then gets, like, added into the the correct way of doing it. Because there's\n\nChannel 1: Yes.\n\nChannel 0: a lot of different type of contributions you can make, and it does\n\nChannel 1: Mhmm.\n\nChannel 0: make it a little bit tricky as well. But that is something that we would assist.\n\nChannel 1: Okay. Yep. Alright. Yeah. I I\n\nChannel 0: Yep.\n\nChannel 1: assume that if we said if we agreed to it, you would yeah. You'd you guys would assist with the actual\n\nChannel 0: Correct.\n\nChannel 1: mechanics of of doing think.\n\nChannel 0: Yes.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Not\n\nChannel 1: Mhmm.\n\nChannel 0: just, okay. Off you go. And then\n\nChannel 1: Okay.\n\nChannel 0: you\n\nChannel 1: Yeah.\n\nChannel 0: could do\n\nChannel 1: Yeah.\n\nChannel 0: it a different way. No. We would help through all of all of that. But it is a good question, though.\n\nChannel 1: Yep. Perfect.\n\nChannel 0: Now, again, very similar, obviously, when it comes to advantages disadvantages and risk. Obviously, an advantage is that it will help boost quince your preannuation. Again, give Alan that tax offset, which is great. Obviously, disadvantage, you will have $3,000 less in cash if something were to happen. It is locked in till contribution sorry.\n\nIt is locked in until you make additional release again.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Similar risk, obviously, if Queen's income just increases a lot this financial year, that could obviously change thing. Also, future changes in legislation. Often often, they do make the changes at their financial year, though, and because they've kind of already have set them. But, obviously, it is something that can always change. So something to be mindful of.\n\nYep. Now any other questions before I move on to Alan's\n\nChannel 1: Yep.\n\nChannel 0: superannuation?\n\nChannel 1: Nope. That's pretty\n\nChannel 0: Nope.\n\nChannel 1: straightforward. Yep.\n\nChannel 0: Yep. Perfect. Now I have already touched a little bit on the recommendation for you, Alan, last time, but, essentially, I have recommended that you stay in hub twenty four,\n\nChannel 1: Yep.\n\nChannel 0: change some of those underlying investments that we went through, and then add that family linking to give you both a bit of a discount on those administration fees.\n\nChannel 1: Yep.\n\nChannel 0: Again, every time we do make a recommendation, I do consider a lot of different alternative to the funds as well just to make sure because there are always things that are continuously changing. So it is important to make sure that even though we originally recommended Hub twenty four, that that's still aligned with everything. Because, yeah, things are always changing. And that's not just a in a couple of years, if there's a new product that comes out that is more competitive than Hub 24, there is nothing that ties us to hub 24 if it's going to be the best for both of you.\n\nChannel 1: Mhmm.\n\nChannel 0: Yep. Now if you can basically scroll down to page 32 for me, it kind of summarizes everything in a table similar to what we did for Quinn.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Now what you will see here in the balance difference, it's obviously not an upfront fee, what it which it was for Quinn. The difference here is the estimated capital gains tax. So when we make changes to investments, if they have gone up as well, there will be capital gains tax. Now like I talked to them last time, that is all within the superannuation environment and something that they will manage and and do.\n\nThat's something to be mindful of. So I've tried to minimize that as much as possible for you by still\n\nChannel 1: Yeah.\n\nChannel 0: making sure that we are swapping it through the best investment. Now just for your reference, if I were to do a full sell down, so let's say change all of your investments, the capital gains tax was approximately 5,676.\n\nChannel 1: Okay.\n\nChannel 0: So, obviously, try to reduce that as much as possible. Now it is also fluctuating and can vary a little bit because the prices of everything does change on the daily, but it\n\nChannel 1: Mhmm.\n\nChannel 0: is estimated at around that 1,392. And, again, that is just for the capital gains tax paid within the super environment.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Now you can see here the admin fee and the investment fee are the biggest change. So like I touched on the family linking, we will see that admin fee being reduced for around a $163 per year, which, again, does make a bit of a difference when you compound everything. And, obviously, as your super balance grows, same with Quinn, you will get more of that savings as your balance grows.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Now the biggest thing is what you can actually see the investment fee change. So even though we are recommending that you increase the risk exposure a little bit up to that high growth, given you do still have plenty of time until retirement.\n\nChannel 1: Yep.\n\nChannel 0: The investment fees alone are still quite a bit cheaper, which is really good. Yep. And that is saving about 800\n\nChannel 1: Yep.\n\nChannel 0: and $66 per year, which, again,\n\nChannel 1: Yep.\n\nChannel 0: makes a pretty big difference.\n\nChannel 1: Yep.\n\nChannel 0: Other fees are also reduced, which is great. Stays you about $69. So, again, overall, pretty good saving in just the platform and the investment fee.\n\nChannel 1: Yep.\n\nChannel 0: Now what you will also see is the discount in the adviser servicing fee, and that is if, obviously, Quinn decides to come on board because\n\nChannel 1: Yep.\n\nChannel 0: exactly. Because you will then be on the couple fee, which will see it reduced to 1.1% instead of the standard 1.65. So you can see that it will save you quite a bit as well in just that discounted adviser service fee.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yep. Now the contribution you can see have been reduced in the recommended, and I will go through that on the next couple of pages.\n\nChannel 1: Yep.\n\nChannel 0: But, basically, what you can see that even though I have projected the recommendation forward for five and ten years, which factors in as the reduction in the contributions, the reduction\n\nChannel 1: Mhmm.\n\nChannel 0: in adviser fee, reduction in fees, along with the capital gains tax, it's still making at about $53,000 difference in about five years,\n\nChannel 1: Yeah.\n\nChannel 0: which is a pretty crazy difference given you are also reducing contribution.\n\nChannel 1: Mhmm. Yeah. Yep.\n\nChannel 0: Yep. Now similar for for claim, you can see your return. So on your current portfolio in hub twenty four, using that five year rolling average of about 9.95%, recommended at about 12.55%, which\n\nChannel 1: Mhmm.\n\nChannel 0: is obviously a little bit better, which is great. Now, obviously, in a high growth portfolio, you can see more fluctuations in the short term because you do have a higher portion allocated through those growth investments. The long term, we should obviously see those returns, being better than in a growth portfolio.\n\nChannel 1: Yep. Mhmm.\n\nChannel 0: Yep. Does that make sense?\n\nChannel 1: Yeah. It does.\n\nChannel 0: Yep. Perfect. Now on the next page, you can then see the the contribution sorry. You can then see everything fast forward, five and the ten years. Again, it's not something we obviously can guarantee because you never know\n\nChannel 1: Yeah.\n\nChannel 0: what's going to happen with the market. So that is, again, why we use a five year rolling average. But you can even see twelve months, three years, five years, and ten year time frame to see that again even on a shorter period where we have had a bit of in the last twelve months, the high growth portfolio still has outperformed your current growth portfolio.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now I have made a little note here as well just in regards to that division two nine three that will be applicable for you, obviously, being a\n\nChannel 1: Yeah.\n\nChannel 0: high income earner, which you obviously would know. And when you guys do your tax return, you can then obviously choose whether you want that to come out of super or whether you wanna pay for it yourself.\n\nChannel 1: Interesting. Should I be taking that out of my super, or should I be paying for that personally? Because I I think I paid for that personally.\n\nChannel 0: The choice is up to you. Sometimes people just don't want to pay for it from their cash flow, so they\n\nChannel 1: Yep.\n\nChannel 0: take it from superannuation. So it it kind of depends on what your cash flow situation is like. Because it's the same amount, obviously, something to factor in is, well, if it comes from your cash flow that just sits in a savings account, what's the returns you're getting on those investments versus if you take it out of superannuation?\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: It makes\n\nChannel 0: It's something\n\nChannel 1: sense.\n\nChannel 0: that you can decide\n\nChannel 1: K.\n\nChannel 0: depending on how much you you want the money, like, needed from the cash flow or whether you wanna take it from superannuation.\n\nChannel 1: Yeah. Okay. No. That\n\nChannel 0: Yes. Yes. Perfect. And now with investments,\n\nChannel 1: makes\n\nChannel 0: it is same as what I recommended for Quinn. So on page 34, you can see the the\n\nChannel 1: sense.\n\nChannel 0: recommendation.\n\nChannel 1: Yep.\n\nChannel 0: So you can again see your current investments. You can see your current balance\n\nChannel 1: Mhmm.\n\nChannel 0: and the current weight into those investments. You can then see the buy and sell. So all the thing in red is what we are selling. Now you\n\nChannel 1: Mhmm.\n\nChannel 0: can see\n\nChannel 1: Yep.\n\nChannel 0: that we are not selling all of them. Some are just\n\nChannel 1: Yeah.\n\nChannel 0: being rebalanced. So you can see that then along investments, we are changing the ClearBridge. We are changing the bank hybrid is being phased out as well. So we're changing that one along with the global agriculture. You can see gold, we are still keeping in your portfolio.\n\nBut because we are moving to a high growth, you will have a little bit less in your defensive. Therefore, that is reduced a little bit to align with that high growth portfolio. It still very much wants to keep it in your portfolio. Same with cybersecurity. Again, keeping it in your portfolio, just reducing it a little bit down to 6%.\n\nIShares S and P 500, we are keeping it as increasing the allocation a little bit. Roughly, we are selling out. And then the bottoms there, you can see same as Quinn. We are adding the Europe, Japan, all world, BetaShares Australia 200, and then the fixed interest at 5% at the bottom there as well.\n\nChannel 1: Yep.\n\nChannel 0: And, again, all those investments are in the appendix if it is that you guys want to go and have a bit of a review over them in your own time as well.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Now if you can scroll to the next page, which is page 36, you should then have the asset allocation outlined for you.\n\nChannel 1: Yep. I see him.\n\nChannel 0: Yep. So you can see the risk profile, which is aiming for around ninety ten. Now it can vary with with market. So it's often between 90 to about 95 and then to five and ten. So it does obviously range a little bit with market prices, but around that nine to 10 allocation.\n\nYou can\n\nChannel 1: Yep.\n\nChannel 0: see your existing portfolio, which is about $87.07 5 in growth, about $12.02 5 in defensive. And then you can see that the repost, because we are moving to a high growth, you will have a little bit higher allocation through those\n\nChannel 1: Yep.\n\nChannel 0: growth investments than what you\n\nChannel 1: Yep.\n\nChannel 0: currently have. Yep. Any questions in regards to that? Or that's pretty straightforward as well.\n\nChannel 1: No. All makes sense.\n\nChannel 0: Yep. Perfect. Now the next thing can be a little bit messy, so I will try to make it as easy as I can, which is when it comes to your contribution strategy, Alex. So\n\nChannel 1: Mhmm.\n\nChannel 0: at the moment, you are salary sacrificing about 400 and fortnight. What I have recommended is that we reduce it to $200 per fortnight and utilize a carry forward for the the last financial year, which you already have caught up, which is great without knowing it, so that's good,\n\nChannel 1: Yeah.\n\nChannel 0: and for the next couple of financial yet. So, essentially, because your employer does pay contributions above the cap, which is fantastic, I don't wanted to use\n\nChannel 1: Yeah.\n\nChannel 0: up all your available carry forward basis. Because\n\nChannel 1: Okay.\n\nChannel 0: if I do, like, a lump sum for for this financial year, it will mean that for the next couple of years, you don't have anything available. So\n\nChannel 1: Yeah.\n\nChannel 0: what would\n\nChannel 1: Okay.\n\nChannel 0: happen because you are already getting basically for free additional contributions made from your employer, you will lose out on those benefits. So,\n\nChannel 1: Right.\n\nChannel 0: therefore, I wanted to make sure that we leave a bit of space so that each financial year as your you know, if your income continues to go up and if your employer continues to pay contributions above that cap space, you're not losing out on basically free benefits that your employer is paying for you.\n\nChannel 1: Yeah. Makes sense.\n\nChannel 0: Yep. Now by doing the fortnightly salary sacrifice, obviously, salary sacrifice is pretax. So that's how you are saving, obviously, a little bit in tax. And\n\nChannel 1: Yep.\n\nChannel 0: by doing it on a fortnightly basis, instead of, let's say, a lump sum, is that you will continue to take advantage of that dollar cost averaging. So as you are obviously making regular contributions, sometimes the market will be high. Sometimes the market will be low. So you're\n\nChannel 1: Yep.\n\nChannel 0: kind of utilizing the market fluctuations to benefit you as well then if\n\nChannel 1: Yep.\n\nChannel 0: you were to make, like, one lump sum contribution at one point in time, you can be very lucky in that when the market is low, but it could also be that when it's high. Obviously,\n\nChannel 1: Yep.\n\nChannel 0: the longer you have the money invested as well, the more it's gonna compound and grow.\n\nChannel 1: Yeah. Makes sense.\n\nChannel 0: Does that make sense? Yeah. Perfect. Now how that actually looks like in terms of that carry forward and, again, it is something we should reassess at the end of each financial year, especially if your income continues to go up and your employer continues to pay those contributions because things can change. Now how it's displayed for you is if you wanna go down to table sorry.\n\nPage 39, you should see a salary sacrifice table first.\n\nChannel 1: Page 29. Yep.\n\nChannel 0: 39. Yes. So you basically can see here your current position and your proposed position.\n\nChannel 1: Yep.\n\nChannel 0: So you can see that by reducing your salary sacrifice, you will have more income available yourself. So you will have about 3,536 extra\n\nChannel 1: Yep.\n\nChannel 0: each year to obviously not do that additional contribution.\n\nChannel 1: Yep.\n\nChannel 0: When it comes to actual contributions, though, you will have a little\n\nChannel 1: Mhmm.\n\nChannel 0: bit less going into super as a result. So that basically shows that. It shows that the\n\nChannel 1: Right.\n\nChannel 0: tax as well, taxable income, and everything like that. Does that make\n\nChannel 1: Okay.\n\nChannel 0: sense?\n\nChannel 1: So this was that 4,420 is the figure on the the other table that that we had, the one that was on\n\nChannel 0: Exactly. The contribution change. Yes.\n\nChannel 1: yeah. Yeah. Yeah. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Okay.\n\nChannel 0: So\n\nChannel 1: Cool.\n\nChannel 0: not like\n\nChannel 1: That\n\nChannel 0: the capital gains, but that will be obviously less contributions going into super.\n\nChannel 1: makes sense. Yep. Yep. Yeah.\n\nChannel 0: Yep. Yep.\n\nChannel 1: I see. Cool.\n\nChannel 0: Now how that then works with the carry forward strategy is on the following page, page 40. So how the carry forward work is where you can use up unused concessional contributions from previous financial years.\n\nChannel 1: Mhmm.\n\nChannel 0: So how it normally works is start from the oldest financial year first. So as you exceed contributions, so which you have done for the last financial year that was just then, it will then automatically deducted from the oldest financial year first.\n\nChannel 1: Yep.\n\nChannel 0: Now I have included the different concessional contribution cap amount so that you can see it. So over CER continue to going up. So you can see from 2020 to 2021, it was 25,000. It then increases. And even this financial year that just takes over is now up at 32,500, which I have factored in into these calculations for you as\n\nChannel 1: Right.\n\nChannel 0: well. Make\n\nChannel 1: Yep. Okay.\n\nChannel 0: make sense?\n\nChannel 1: Yeah. Makes sense.\n\nChannel 0: Yep. Now the next two tables is where it gets a little bit messy, but it's just to show you.\n\nChannel 1: Yeah.\n\nChannel 0: So for, obviously, the financial year that just ticked over,\n\nChannel 1: Mhmm.\n\nChannel 0: what that basically looks like, you can see you can see the financial years first. And, again, going back to the oldest financial year available, you can see the contributions that was made\n\nChannel 1: Yep.\n\nChannel 0: into super, and that was also from those screenshots you sent\n\nChannel 1: Yep.\n\nChannel 0: me from the ATO, which was great because that gave me all the insights that I needed. You can see the concessional caps again outlined for each financial year to make it easy. And\n\nChannel 1: Yep.\n\nChannel 0: you can then also see the cap spaces remaining in each of those financial years. So you can obviously see as your income went higher and you started to make contributions yourself,\n\nChannel 1: Yep.\n\nChannel 0: obviously, there was less and less and less cap spaces remaining. So\n\nChannel 1: Yep.\n\nChannel 0: the reason why I did not recommend to discontinue that 400 is that because each year, you will continue to go up over the cap space a lot more than what's available. So you would run out very quickly,\n\nChannel 1: Yeah.\n\nChannel 0: of available cap space, and then you'll be over and having to pay that additional tax.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. So for the last financial year, that was just done. You already used up, which was great, the cap space of the 2020 and 2021. So you can\n\nChannel 1: Yep.\n\nChannel 0: basically see that at the start of the financial year, the last financial year, at the start, you had about 25,300 available through all the financial years.\n\nChannel 1: Yep.\n\nChannel 0: You then went over the cap space for the last financial year by about 13,760,\n\nChannel 1: Yeah.\n\nChannel 0: which we then used up from those previous financial year, which means that for this financial year, you have about 11,540 combined across all those financial years left. And if you were to continue to pay that 400 per fortnight and your income stays exactly the same, even this financial year, you'd already used up every\n\nChannel 1: Mhmm. Yeah.\n\nChannel 0: yep. Makes sense?\n\nChannel 1: Yeah. Makes sense.\n\nChannel 0: Yep. Perfect. Now on the next page, it then shows you for this financial year. So, again, starting this financial year, it was the 11,540 available. Assuming your income stays the same and you're reducing salary sacrifice to $200 per fortnight, it will\n\nChannel 1: Mhmm.\n\nChannel 0: mean that for this financial year, you are still exceeding the cap space by only by 6,460.\n\nChannel 1: Mhmm.\n\nChannel 0: Now you still have that because you have 11,540 available, it will mean that for the next financial year, you would still have about 5,080 available. Now\n\nChannel 1: Yep.\n\nChannel 0: because, obviously, your employer are continued to going over the cap space, that's where I didn't wanna use up everything because then\n\nChannel 1: Yep.\n\nChannel 0: that means that you obviously continue to run out. And if you are getting those contributions for free, essentially, from your employer, it is a benefit I do not want you to lose out.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Yep. Now, obviously, if you were to change employer and they don't pay over their concessional cap, let me know because then we can obviously reassess everything for you. Or, again, if your income if you get a bit of a pay rise, we wanna obviously reassess whether we need to reduce that salary sacrifice further for you.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Yep. Makes sense?\n\nChannel 1: Yeah. It makes sense.\n\nChannel 0: Yep. Perfect. Again, you will have advantages, some disadvantages, and risks in regards to the recommendation. Some of the advantages that it is a very tax effective way to utilize your carry forward contribution spaces before they do expire, which is really good. You will continue to obviously have salary sacrifice, which again is a very tax effective way, especially with your high income.\n\nOne of the disadvantages that obviously by salary sacrificing, you are still having less cash flow available than if you decided not to salary sacrifice at all. But\n\nChannel 1: Yep.\n\nChannel 0: the good thing is that because you have already salary sacrificed 400 per fortnight, you will have a little bit extra cash available to then utilize the other goals and stuff that you guys want to achieve together.\n\nChannel 1: Yep.\n\nChannel 0: Yep. And, again, a risk is that it is locked in until you meet a condition of release,\n\nChannel 1: Yep.\n\nChannel 0: and,\n\nChannel 1: That's\n\nChannel 0: again, it changes to superannuation legislation.\n\nChannel 1: fine.\n\nChannel 0: The good thing\n\nChannel 1: Yeah.\n\nChannel 0: is because it has gone up by 3,000 2,500 for this money issue year, it means that we have a little bit more space. And then if there are changes to next money issue year with those cap spaces, we then might want to alter things again for you.\n\nChannel 1: Yeah. Seems good.\n\nChannel 0: Yep. Yep. Perfect. Now all of these contribution strategies, all three that I have mentioned was factored into those projection tables I mentioned as well. So it factors in\n\nChannel 1: Yep.\n\nChannel 0: everything. Yep. Now the last thing is just estate planning. So I have included some information in regards to your beneficiary. So that\n\nChannel 1: Mhmm.\n\nChannel 0: is for your super and for your insurances as well. So there are a lot of different ways you can structure things. Nominating a spouse is a valid nomination because they do make it quite tricky in who you can nominate directly through the legislation. A spouse is a valid nomination. And what would happen is that if something were to happen to either of you, the other partner would receive everything tax free because you are a spouse.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Now the type of nomination I have recommended, it is a binding and nonlapsing. Basically, what it means, a binding means that the trustees or your super insurers are bound to follow your wishes. The other type of nomination is a nonbinding. Basically, what it means is to say that this is what you want to have happen, but it is ultimately up to the trustee to decide whether they agree with it or whether they feel that there is something someone else that is more suitable for it.\n\nSo, basically,\n\nChannel 1: Yes.\n\nChannel 0: binding gives you more certainty. Does that\n\nChannel 1: Yes.\n\nChannel 0: make sense?\n\nChannel 1: Yeah. That's it.\n\nChannel 0: Yep. Perfect. Non lapsing also means that you just make the the the nomination type once and then never again. So, obviously, if, your situation ever were to change or you wanna change the nomination, you just have to let me know, and we have to change it.\n\nChannel 1: Yep.\n\nChannel 0: The other type of nomination was to do a lapsing, which means you have to complete the forms every three years.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Yep. And most people prefer to just let me know if anything changes\n\nChannel 1: Yeah.\n\nChannel 0: and leave it so you don't have to do it every three years.\n\nChannel 1: Yeah. Sounds good.\n\nChannel 0: Yep. Perfect. I have also just included some information in regards to setting up a a will and power of attorney. It is something I always recommend everyone to consider. It is completely up to you, But\n\nChannel 1: Yep.\n\nChannel 0: it does mean that if something were to happen, it does provide that certainty on your assets as well.\n\nChannel 1: Yeah. That's something that\n\nChannel 0: Yeah.\n\nChannel 1: we know we should do. We haven't\n\nChannel 0: Yeah.\n\nChannel 1: really gotten into it. Yeah.\n\nChannel 0: And most people are the same. Everyone's like, yep. It's not my to do list, but it's one of those things that often is something you know you should be doing, but it just kinda falls off to the sides because everything gets really busy.\n\nChannel 1: Yep.\n\nChannel 0: So that's why I have included information often if you do a will through a lawyer as well. You can also make a power of attorney nomination at the same time as well.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Now as you scroll through, so on page 52, you will see a little bit about our ongoing service. Obviously, Alan, you would know,\n\nChannel 1: Yep.\n\nChannel 0: at a minimum, we do a comprehensive annual review every twelve months, which is where we reassess everything. So we reassess to make sure that the recommendation we have in place still aligns with your goals and your objectives and everything. If there's anything that has changed in your life and we need to make tweaks and changes, this is where we want to do it. That is just at a minimum, though. If you guys want more frequent catch up, it is something that we can do.\n\nThere's no additional fees or charges. It is all part of the service. But at a minimum, every twelve months, we do that comprehensive annual review, which is also where you decide if you would like to stay on for the next twelve months or so. But it is not a lock in contract. It is something if at any point in time you guys are not happy, it is not a lock in contract.\n\nThere's no excess fees or anything like that. But with the legislation is that you have to sign that ongoing\n\nChannel 1: Mhmm.\n\nChannel 0: service agreement every twelve months. We can't just keep charging fees.\n\nChannel 1: Yep.\n\nChannel 0: Yep. It also obviously, if there's any other areas of advice that you guys need, so whether that is you wanna have a look at your personal investments or whatever it might be, it's all part of the service for you as well.\n\nChannel 1: Yeah. Cool. Yep.\n\nChannel 0: Yep. Perfect. Now the last thing I do wanna touch on is just a remuneration again just to make sure you guys fully understand. So if you can scroll down to page 54 for me. So you can see here that Alan, for you, there is no upfront\n\nChannel 1: Yeah.\n\nChannel 0: advice fee. You pay that once when you came on board. So every, you know, advice piece and stuff we do here for you, there's no upfront advice fee for you. Quinn\n\nChannel 1: Mhmm.\n\nChannel 0: for you is at 4,900\n\nChannel 1: Yep.\n\nChannel 0: and 50, which was that balance difference in your projection table. Now that is usually 3.3% capped at a 150,000. And because you see the balance is above that, it's capped for you. Yep. The next page, you can then see the ongoing.\n\nSo you can see here the ongoing advice fee reduced for both of you down to 1.1 from superannuation. Now I have also included for you, Alan, your insurances. So when\n\nChannel 1: Yes.\n\nChannel 0: it comes to insurances, it is not something that you pay. It is something that Tau pays us at Oakview, and we do\n\nChannel 1: Yep.\n\nChannel 0: get a commission on the insurance policy, which is 22% of the premium. But, again, it's not something that you pay before compliances. We have to disclose all commissions so that you are fully aware of them.\n\nChannel 1: Mhmm.\n\nChannel 0: Yep. Do you guys have any questions in regards to the fee structure?\n\nChannel 1: Nope. That makes sense.\n\nChannel 0: No. Perfect. And the last couple of pages just kind of summarizes everything. So all the recommendations are outlined for you. So what I have recommended again, Quinn, is for you to roll over your Aware Super into Hub twenty four, make a contribution to benefit of that government co contribution for Alan to make the spouse contributions on your behalf,\n\nChannel 1: Mhmm.\n\nChannel 0: Alan to keep his hub twenty four account to change the underlying investment, Alan to reduce the salary sacrifice from 400 to 200 per fortnight, and then the estate\n\nChannel 1: Mhmm.\n\nChannel 0: planning. Again, though, these are just recommendations whether you wanna take some of it or none of it or all of it. It is completely up to you guys.\n\nChannel 1: Thank\n\nChannel 0: Yep.\n\nChannel 1: you. Yep.\n\nChannel 0: Now you will also see how to implement our advice. That is more just so that you can see the steps. But if it was something that you guys were happy to go ahead with, that is something that we would guide and and talk you through the process and how it all works. So you guys wouldn't have to think, oh, when should I do this, or when should I do this? It\n\nChannel 1: Yep.\n\nChannel 0: is something that we would do all for you. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: Now you would have seen as well a couple if you went through it. There were quite a few documents in the DocuSign folder for you. So the second attachment is the appendix. Now this is the one I mentioned that has kind of all the research and everything attached for you. You will have the investment link.\n\nNow what I have also included is a comparison as well where if, Quinn, you decide not to wanting to make the government co contribution and if Alan decides that he does not want to make the\n\nChannel 1: Mhmm.\n\nChannel 0: spousal contribution, how that would change things for your superannuation. And it would still put you ahead by quite a lot. But, obviously, the more you have in super, the more it compounds and growth. But just to show you if you guys decided that you did not want to do those extra contributions\n\nChannel 1: Yep.\n\nChannel 0: for quick.\n\nChannel 1: Mhmm. Where's\n\nChannel 0: Just so\n\nChannel 1: the\n\nChannel 0: that you have that.\n\nChannel 1: where's the appendix again? Can I where was that\n\nChannel 0: So\n\nChannel 1: one that you\n\nChannel 0: if\n\nChannel 1: just\n\nChannel 0: you\n\nChannel 1: needed?\n\nChannel 0: press next in the DocuSign or if you scroll all the way to the bottom of the SOA, it should take you to\n\nChannel 1: In\n\nChannel 0: the next\n\nChannel 1: the browser,\n\nChannel 0: document.\n\nChannel 1: there's, like, a little error. So there's, like,\n\nChannel 0: Yes.\n\nChannel 1: twelve twelve things\n\nChannel 0: Yes.\n\nChannel 1: in here.\n\nChannel 0: That's that's a lot.\n\nChannel 1: Yep. Okay. Maybe I just can't see it on mobile if I'm on mobile.\n\nChannel 0: You should still be able to to press next, like next document or\n\nChannel 1: I think it do I have to press click to start. Maybe I press that\n\nChannel 0: okay. Yep.\n\nChannel 1: test.\n\nChannel 0: Because some photos show it's up\n\nChannel 1: No.\n\nChannel 0: a little\n\nChannel 1: I'll\n\nChannel 0: bit\n\nChannel 1: pull\n\nChannel 0: differently.\n\nChannel 1: it up on I I can see on Quinton, and I'll pull it up in\n\nChannel 0: Okay.\n\nChannel 1: Apple. So it's all good.\n\nChannel 0: Okay. If for some reason you can't access it, though, I can see all of that on my end here in in your document. But if for some reason you can't, just let me know, and I can always get it emailed to you. But, yeah, maybe because there are quite a lot of attachments,\n\nChannel 1: Yep. Yeah.\n\nChannel 0: a computer later might be a bit easier because you can see, yep, that appendix. You can also see all the application and documents. So there is a pre prepared application for Queen to set up the '24 application.\n\nChannel 1: Mhmm.\n\nChannel 0: There's also a new ongoing service agreement for you, Alan, and that is to reduce your ongoing advice fee.\n\nChannel 1: Yep. Yep.\n\nChannel 0: You also have all the corresponding product disclosure statement. So every time we do make a recommendation on a product, we have to give you the product disclosure statement as well. So, basically, what they are is just massive documents, but it provides you all the information in regards to the product. So you\n\nChannel 1: Yep.\n\nChannel 0: will have everything in regards to hub 24. You will have the the menu investment booklet and and everything in there for you. And you'll also have just another version of that financial services guide again. Alan, you would have seen it from your annual review. Quinn, I believe the onboarding team did email that to you as well.\n\nIf not, it's in the document.\n\nChannel 1: Mhmm.\n\nChannel 0: It is just one of those documents to give you all the important information regarding us here at Oakview as well so that you can decide if we are a good fit for yourself. You can see all the team, the directors, or advisers, and everything in that document as well.\n\nChannel 1: Mhmm.\n\nChannel 0: Now that was essentially everything that I needed to go through with the two of you, which I know there's obviously a lot. So take your time. Have a read over everything. Now Maddie, who you, Quinn, I believe you spoke to last time, you spoke to Maddie or Jordan for the first kind of research process,\n\nChannel 1: Yep. Mhmm.\n\nChannel 0: will give you guys a call in a couple of days just to see if you've had a chance to read over everything and what your thoughts are. Obviously, take your time to read over it because there is a lot to go through. If you\n\nChannel 1: Mhmm.\n\nChannel 0: have any further questions, though, at any point in time, just let me know or let Maddie know when she gives you a call, and we can always book you in for another catch up and and discuss and go through any questions you might have. Same for you,\n\nChannel 1: Yeah.\n\nChannel 0: Alan.\n\nChannel 1: Is there a way to download, like, a PDF version of these on files to read them?\n\nChannel 0: Yes. Often, it will allow you to do it after you sign, but what I can do is I can just email them to both of you so you have a\n\nChannel 1: Yep.\n\nChannel 0: a PDF version. Would you like\n\nChannel 1: Yep.\n\nChannel 0: all the documents, like, all the PDFs and everything as well?\n\nChannel 1: Yes, please. Yeah.\n\nChannel 0: Yeah. Okay.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. I may have to do it in two documents.\n\nChannel 1: Yep.\n\nChannel 0: I'll see just how big it is,\n\nChannel 1: Yep.\n\nChannel 0: but I will get that out to both of you. And you're happy with one joint email for the two of you? Like,\n\nChannel 1: Yeah.\n\nChannel 0: you both\n\nChannel 1: That's\n\nChannel 0: will\n\nChannel 1: fine.\n\nChannel 0: be cc'd\n\nChannel 1: Yeah.\n\nChannel 0: in the same email? Yep. Perfect. I will get that all emailed out to you today.\n\nChannel 1: Yep. Yep. That'd be perfect.\n\nChannel 0: Yeah.\n\nChannel 1: It's just a bit\n\nChannel 0: No.\n\nChannel 1: harder\n\nChannel 0: Paris.\n\nChannel 1: to read\n\nChannel 0: Yes.\n\nChannel 1: on laptop, and I usually like to read on my iPad.\n\nChannel 0: Yep. No. I'm the\n\nChannel 1: Yeah.\n\nChannel 0: same. I sometimes, you know, highlight different things.\n\nChannel 1: Yeah.\n\nChannel 0: Sorry. I I completely\n\nChannel 1: Yeah.\n\nChannel 0: get it. No. I will get that emailed through to both of you. But do you guys have any other questions before I kind of let you go this morning otherwise at this point in time?\n\nChannel 1: No. At that moment.\n\nChannel 0: Nope.\n\nChannel 1: I think,\n\nChannel 0: Yep.\n\nChannel 1: yeah, I think that was for you. It was very yeah. And I think, yeah, just making sure that we understand everything before we sign\n\nChannel 0: Yes.\n\nChannel 1: Yeah. Is the\n\nChannel 0: Yes.\n\nChannel 1: next step. Mhmm.\n\nChannel 0: Exactly. And like I said, you have a bit of time to decide for for the two of you.\n\nChannel 1: Yep.\n\nChannel 0: Any questions, you can even just email me or give\n\nChannel 1: Mhmm.\n\nChannel 0: me a call, and we can book you in for another catch up as well.\n\nChannel 1: Yep. Perfect.\n\nChannel 0: Yep.\n\nChannel 1: Thank you,\n\nChannel 0: Beautiful.\n\nChannel 1: Veronica. Alright. Thank you,\n\nChannel 0: No.\n\nChannel 1: Veronica.\n\nChannel 0: That's okay. Thank you so much for your time, both of you today and last time as well. And I look forward to hearing from the two of you soon. And, yeah, any questions or anything that I can help you with, just let me know.\n\nChannel 1: Yep. So in terms of deadline, the like, obviously, we're we're in the new financials. So all this process is for this like, as in it's the July 1. Happy\n\nChannel 0: Mhmm.\n\nChannel 1: financial year, but\n\nChannel 0: Yes.\n\nChannel 1: we're in so we'll be we'll be working for this.\n\nChannel 0: Correct.\n\nChannel 1: And I guess, like, essentially, the sooner we do it, just kinda the better it is.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Yeah. Okay. Yeah.\n\nChannel 0: Exactly. But\n\nChannel 1: Yep.\n\nChannel 0: it is valid. So it is valid for sixty days. So the document was created on the June 23, which means that you have sixty days.\n\nChannel 1: Mhmm.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: just let me know, ideally, by the end of this month, the latest on what you are thinking.\n\nChannel 1: Yep.\n\nChannel 0: Just because, obviously, if it does expire, we will just have to redo everything to make sure it's still, obviously, the numbers and everything because there is obviously a deadline with numbers.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: But just let me know. You still have\n\nChannel 1: Yep.\n\nChannel 0: time to have a look through everything. But, yes, we did\n\nChannel 1: Mhmm.\n\nChannel 0: factoring all the changes to this financial year because it was so close when we'd prepared everything.\n\nChannel 1: Mhmm.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Yeah. Just let me know how you go. And thank you so much for your time, and I hope you enjoy the rest of your day.\n\nChannel 1: Mhmm. Alright. Happy thank you, Veronica. Alright. Have\n\nChannel 0: No worries.\n\nChannel 1: a good\n\nChannel 0: We'll\n\nChannel 1: day.\n\nChannel 0: speak soon. You too. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.24,"end":0.48,"sentiment":"neutral","sentiment_score":0.027711492031812668},{"text":"Quinn speaking.","start":0.48,"end":1.38,"sentiment":"neutral","sentiment_score":0.02864335384219885}],"sentiment":"neutral","sentiment_score":0.02833273323873679,"channel":1,"num_words":3,"start":0.24,"end":1.38},{"sentences":[{"text":"Good morning.","start":2.48,"end":2.96,"sentiment":"neutral","sentiment_score":0.24927698820829391},{"text":"Is this Quinn?","start":2.96,"end":3.78,"sentiment":"neutral","sentiment_score":0.11373837788899739}],"sentiment":"neutral","sentiment_score":0.167953822016716,"channel":0,"num_words":5,"start":2.48,"end":3.78},{"sentences":[{"text":"Yes.","start":4.24,"end":4.74,"sentiment":"neutral","sentiment_score":0.1122041568160057}],"sentiment":"neutral","sentiment_score":0.1122041568160057,"channel":1,"num_words":1,"start":4.24,"end":4.74},{"sentences":[{"text":"This is Veronica from Financial.","start":5.2,"end":6.8999996,"sentiment":"neutral","sentiment_score":0.135921648144722},{"text":"How are you?","start":7.3599997,"end":8.18,"sentiment":"neutral","sentiment_score":0.1448762764533361}],"sentiment":"neutral","sentiment_score":0.13927963376045227,"channel":0,"num_words":8,"start":5.2,"end":8.18},{"sentences":[{"text":"Good.","start":8.4,"end":8.72,"sentiment":"positive","sentiment_score":0.4986509680747986},{"text":"Thank you.","start":8.72,"end":9.46,"sentiment":"positive","sentiment_score":0.6092045307159424},{"text":"My Verizon account.","start":9.5199995,"end":10.48,"sentiment":"positive","sentiment_score":0.360248068968455}],"sentiment":"positive","sentiment_score":0.46630070606867474,"channel":1,"num_words":6,"start":8.4,"end":10.48},{"sentences":[{"text":"That's","start":10.08,"end":10.559999,"sentiment":"positive","sentiment_score":0.5076686143875122}],"sentiment":"positive","sentiment_score":0.5076686143875122,"channel":0,"num_words":1,"start":10.08,"end":10.559999},{"sentences":[{"text":"Allan","start":10.48,"end":10.8,"sentiment":"positive","sentiment_score":0.5022054314613342}],"sentiment":"positive","sentiment_score":0.5022054314613342,"channel":1,"num_words":1,"start":10.48,"end":10.8},{"sentences":[{"text":"good.","start":10.559999,"end":11.059999,"sentiment":"positive","sentiment_score":0.5231934785842896}],"sentiment":"positive","sentiment_score":0.5231934785842896,"channel":0,"num_words":1,"start":10.559999,"end":11.059999},{"sentences":[{"text":"here with me.","start":10.8,"end":11.78,"sentiment":"neutral","sentiment_score":0.3078409830729167},{"text":"Hello?","start":11.92,"end":12.42,"sentiment":"neutral","sentiment_score":0.16324296593666077}],"sentiment":"neutral","sentiment_score":0.2716914787888527,"channel":1,"num_words":4,"start":10.8,"end":12.42},{"sentences":[{"text":"Hi, Alan.","start":12.24,"end":13.04,"sentiment":"neutral","sentiment_score":0.22550591826438904},{"text":"How are you?","start":13.04,"end":13.86,"sentiment":"neutral","sentiment_score":0.230278879404068}],"sentiment":"neutral","sentiment_score":0.22836969494819642,"channel":0,"num_words":5,"start":12.24,"end":13.86},{"sentences":[{"text":"I'm doing well.","start":14.4,"end":15.46,"sentiment":"positive","sentiment_score":0.4750576118628184}],"sentiment":"positive","sentiment_score":0.4750576118628184,"channel":1,"num_words":3,"start":14.4,"end":15.46},{"sentences":[{"text":"Yeah.","start":15.955,"end":16.355,"sentiment":"positive","sentiment_score":0.4099382758140564},{"text":"That's good.","start":16.355,"end":17.415,"sentiment":"positive","sentiment_score":0.5872142016887665},{"text":"I had you both in just to kind of go through the rest of the the recommendations.","start":18.275,"end":22.935,"sentiment":"neutral","sentiment_score":0.25851210513535666},{"text":"Do you guys still have time this morning?","start":23.315,"end":25.015,"sentiment":"neutral","sentiment_score":0.051537797786295414}],"sentiment":"neutral","sentiment_score":0.2282633874565363,"channel":0,"num_words":28,"start":15.955,"end":25.015},{"sentences":[{"text":"Yeah.","start":25.585,"end":26.085,"sentiment":"neutral","sentiment_score":0.050430163741111755},{"text":"Mhmm.","start":26.145,"end":26.645,"sentiment":"neutral","sentiment_score":0.04528850317001343}],"sentiment":"neutral","sentiment_score":0.04785933345556259,"channel":1,"num_words":2,"start":25.585,"end":26.645},{"sentences":[{"text":"Yes.","start":26.435001,"end":26.935001,"sentiment":"neutral","sentiment_score":0.1644067019224167},{"text":"Perfect.","start":27.21,"end":27.71,"sentiment":"positive","sentiment_score":0.34960508346557617},{"text":"Now because we already have gone through a bit.","start":27.849998,"end":30.029999,"sentiment":"neutral","sentiment_score":0.11731387674808502},{"text":"Hopefully, I won't keep you guys for too long this morning.","start":30.169998,"end":33.23,"sentiment":"neutral","sentiment_score":0.05588590692390095},{"text":"But before I do kind of jump in, I do need to let you both know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":33.61,"end":41.55,"sentiment":"neutral","sentiment_score":0.023597694809238116}],"sentiment":"neutral","sentiment_score":0.055625240318477154,"channel":0,"num_words":52,"start":26.435001,"end":41.55},{"sentences":[{"text":"Mhmm.","start":42.05,"end":42.55,"sentiment":"neutral","sentiment_score":0.02971296943724155},{"text":"Nope.","start":42.85,"end":43.155,"sentiment":"neutral","sentiment_score":0.10668452829122543}],"sentiment":"neutral","sentiment_score":0.0681987488642335,"channel":1,"num_words":2,"start":42.05,"end":43.155},{"sentences":[{"text":"Perfect.","start":43.495,"end":43.995,"sentiment":"neutral","sentiment_score":0.2352193295955658},{"text":"And just as per last time, just for security purposes so that I can confirm I am speaking with the right people, could you just confirm full name, date of birth, and address, please?","start":44.695,"end":55.355,"sentiment":"neutral","sentiment_score":0.07503202568520517}],"sentiment":"neutral","sentiment_score":0.07960880579692976,"channel":0,"num_words":35,"start":43.495,"end":55.355},{"sentences":[{"text":"Yep.","start":55.795,"end":56.295,"sentiment":"neutral","sentiment_score":0.02325313165783882},{"text":"Quinn Ho.","start":56.835,"end":57.815,"sentiment":"neutral","sentiment_score":0.014946193899959326},{"text":"Date of birth, twenty six zero six nineteen eighty nine.","start":58.52,"end":61.399998,"sentiment":"neutral","sentiment_score":0.022100500389933588},{"text":"Address, Number 1 Longbourn Avenue, Notting Hill.","start":61.399998,"end":64.54,"sentiment":"neutral","sentiment_score":0.032951097403253825}],"sentiment":"neutral","sentiment_score":0.025240410258993505,"channel":1,"num_words":20,"start":55.795,"end":64.54},{"sentences":[{"text":"Yep.","start":65.07,"end":65.57,"sentiment":"neutral","sentiment_score":0.02667122147977352}],"sentiment":"neutral","sentiment_score":0.02667122147977352,"channel":0,"num_words":1,"start":65.07,"end":65.57},{"sentences":[{"text":"Alan Ethan Ory.","start":66.119995,"end":67.5,"sentiment":"neutral","sentiment_score":0.021031338721513748},{"text":"Date of birth, 11/01/1988.","start":67.96,"end":71.705,"sentiment":"neutral","sentiment_score":0.020282301353290677}],"sentiment":"neutral","sentiment_score":0.02060331736824342,"channel":1,"num_words":7,"start":66.119995,"end":71.705},{"sentences":[{"text":"Yep.","start":72.205,"end":72.705,"sentiment":"neutral","sentiment_score":0.02980564348399639}],"sentiment":"neutral","sentiment_score":0.02980564348399639,"channel":0,"num_words":1,"start":72.205,"end":72.705},{"sentences":[{"text":"Same address.","start":72.325005,"end":73.145004,"sentiment":"neutral","sentiment_score":0.03017389588057995},{"text":"Yep.","start":73.285,"end":73.785,"sentiment":"neutral","sentiment_score":0.04618581756949425}],"sentiment":"neutral","sentiment_score":0.03551120311021805,"channel":1,"num_words":3,"start":72.325005,"end":73.785},{"sentences":[{"text":"Yep.","start":73.565,"end":74.065,"sentiment":"neutral","sentiment_score":0.07925629615783691},{"text":"Perfect.","start":74.285,"end":74.785,"sentiment":"neutral","sentiment_score":0.17930863797664642},{"text":"And have you guys had a chance to look through anything or or not really?","start":75.405,"end":79.825,"sentiment":"neutral","sentiment_score":0.024937058364351592}],"sentiment":"neutral","sentiment_score":0.03721298879998572,"channel":0,"num_words":17,"start":73.565,"end":79.825},{"sentences":[{"text":"I have looked through most of it, but not all of","start":80.725006,"end":84.885,"sentiment":"neutral","sentiment_score":-0.04244956814429977}],"sentiment":"neutral","sentiment_score":-0.04244956814429977,"channel":1,"num_words":11,"start":80.725006,"end":84.885},{"sentences":[{"text":"Okay.","start":84.86,"end":85.36,"sentiment":"neutral","sentiment_score":-0.015713533386588097}],"sentiment":"neutral","sentiment_score":-0.015713533386588097,"channel":0,"num_words":1,"start":84.86,"end":85.36},{"sentences":[{"text":"it.","start":84.885,"end":85.11,"sentiment":"neutral","sentiment_score":-0.025880418717861176}],"sentiment":"neutral","sentiment_score":-0.025880418717861176,"channel":1,"num_words":1,"start":84.885,"end":85.11},{"sentences":[{"text":"No.","start":85.98,"end":86.48,"sentiment":"neutral","sentiment_score":-0.05536925792694092}],"sentiment":"neutral","sentiment_score":-0.05536925792694092,"channel":0,"num_words":1,"start":85.98,"end":86.48},{"sentences":[{"text":"Yeah.","start":87.19,"end":87.69,"sentiment":"neutral","sentiment_score":-0.033230118453502655},{"text":"So I think I got to, like, about page 45 or something like that.","start":87.99,"end":92.31,"sentiment":"neutral","sentiment_score":-0.03744740557989904},{"text":"So","start":92.31,"end":92.81,"sentiment":"neutral","sentiment_score":0.027147483080625538}],"sentiment":"neutral","sentiment_score":-0.03314664459321648,"channel":1,"num_words":16,"start":87.19,"end":92.81},{"sentences":[{"text":"Yep.","start":92.875,"end":93.375,"sentiment":"neutral","sentiment_score":0.04563646763563156}],"sentiment":"neutral","sentiment_score":0.04563646763563156,"channel":0,"num_words":1,"start":92.875,"end":93.375},{"sentences":[{"text":"yeah.","start":93.75,"end":94.25,"sentiment":"neutral","sentiment_score":0.03046426922082901}],"sentiment":"neutral","sentiment_score":0.03046426922082901,"channel":1,"num_words":1,"start":93.75,"end":94.25},{"sentences":[{"text":"No.","start":94.555,"end":94.795006,"sentiment":"neutral","sentiment_score":0.008451070636510849},{"text":"That's all good.","start":94.795006,"end":95.935005,"sentiment":"neutral","sentiment_score":0.1367214247584343},{"text":"So what I will do today is just kind of briefly go through the rest of the recommendations with you guys.","start":96.235,"end":102.015,"sentiment":"neutral","sentiment_score":0.13085227601584934}],"sentiment":"neutral","sentiment_score":0.126660525649786,"channel":0,"num_words":25,"start":94.555,"end":102.015},{"sentences":[{"text":"Mhmm.","start":102.305,"end":102.785,"sentiment":"neutral","sentiment_score":0.04885021969676018},{"text":"Yeah.","start":102.785,"end":103.285,"sentiment":"neutral","sentiment_score":0.05494054779410362}],"sentiment":"neutral","sentiment_score":0.0518953837454319,"channel":1,"num_words":2,"start":102.305,"end":103.285},{"sentences":[{"text":"And then afterwards, you still have obviously some time to have a read over everything and decide what you would like to do.","start":102.955,"end":109.31,"sentiment":"neutral","sentiment_score":0.0994431629129078},{"text":"And if you do have any further questions, we can always book in for another catch up.","start":109.69,"end":114.270004,"sentiment":"neutral","sentiment_score":0.10507064137388678},{"text":"But do you guys have access to your emails again for that document?","start":114.57,"end":118.67,"sentiment":"neutral","sentiment_score":0.039134242930091344},{"text":"Just","start":119.21,"end":119.45,"sentiment":"neutral","sentiment_score":0.07912784069776535}],"sentiment":"neutral","sentiment_score":0.08631975276188718,"channel":0,"num_words":54,"start":102.955,"end":119.45},{"sentences":[{"text":"Yep.","start":119.42,"end":119.92,"sentiment":"neutral","sentiment_score":0.08583327382802963}],"sentiment":"neutral","sentiment_score":0.08583327382802963,"channel":1,"num_words":1,"start":119.42,"end":119.92},{"sentences":[{"text":"one of you is fine.","start":119.45,"end":120.49,"sentiment":"neutral","sentiment_score":0.1338563159108162},{"text":"Yep.","start":120.49,"end":120.945,"sentiment":"neutral","sentiment_score":0.07345938682556152}],"sentiment":"neutral","sentiment_score":0.12379016106327374,"channel":0,"num_words":6,"start":119.45,"end":120.945},{"sentences":[{"text":"Yep.","start":120.939995,"end":121.42,"sentiment":"neutral","sentiment_score":0.07371094822883606},{"text":"Yeah.","start":121.42,"end":121.659996,"sentiment":"neutral","sentiment_score":0.08554206788539886},{"text":"I still got","start":121.659996,"end":122.22,"sentiment":"neutral","sentiment_score":0.0745248794555664}],"sentiment":"neutral","sentiment_score":0.07656553089618683,"channel":1,"num_words":5,"start":120.939995,"end":122.22},{"sentences":[{"text":"Now","start":122.145,"end":122.645,"sentiment":"neutral","sentiment_score":0.09403235465288162}],"sentiment":"neutral","sentiment_score":0.09403235465288162,"channel":0,"num_words":1,"start":122.145,"end":122.645},{"sentences":[{"text":"it.","start":122.22,"end":122.655,"sentiment":"neutral","sentiment_score":0.11226846277713776}],"sentiment":"neutral","sentiment_score":0.11226846277713776,"channel":1,"num_words":1,"start":122.22,"end":122.655},{"sentences":[{"text":"yeah.","start":122.945,"end":123.265,"sentiment":"neutral","sentiment_score":0.160930335521698},{"text":"Perfect.","start":123.265,"end":123.765,"sentiment":"neutral","sentiment_score":0.26741212606430054},{"text":"Now if you can jump into the document and scroll down to page let me see here.","start":123.905,"end":132.245,"sentiment":"neutral","sentiment_score":0.1069936051088221},{"text":"23.","start":135.04001,"end":136.18001,"sentiment":"neutral","sentiment_score":0.030657965689897537},{"text":"That's kind of where we stopped last time.","start":136.72,"end":139.78,"sentiment":"neutral","sentiment_score":0.04565383726730943}],"sentiment":"neutral","sentiment_score":0.09439722900944096,"channel":0,"num_words":28,"start":122.945,"end":139.78},{"sentences":[{"text":"Yeah.","start":140.26999,"end":140.67,"sentiment":"neutral","sentiment_score":0.0907195508480072},{"text":"Mhmm.","start":140.67,"end":141.15,"sentiment":"neutral","sentiment_score":0.1353476345539093},{"text":"Yeah.","start":141.15,"end":141.65,"sentiment":"positive","sentiment_score":0.36201930046081543}],"sentiment":"neutral","sentiment_score":0.19602882862091064,"channel":1,"num_words":3,"start":140.26999,"end":141.65},{"sentences":[{"text":"Perfect.","start":142.32,"end":142.82,"sentiment":"positive","sentiment_score":0.6802823543548584},{"text":"So we basically have touched on, obviously, Quinn's recommendation for superannuation.","start":142.96,"end":147.78,"sentiment":"positive","sentiment_score":0.3758674887093631},{"text":"Then the next thing we were going to focus on is obviously the different contribution ways of trying to make things as tax effective for both of you, but also making sure that we are boosting both of your superannuation, but basically in the most tax effective way.","start":148.985,"end":165.95001,"sentiment":"positive","sentiment_score":0.41091891285032034},{"text":"Now","start":166.65001,"end":167.15001,"sentiment":"neutral","sentiment_score":0.17780986428260803}],"sentiment":"positive","sentiment_score":0.40519249854517764,"channel":0,"num_words":61,"start":142.32,"end":167.15001},{"sentences":[{"text":"Mhmm.","start":166.735,"end":167.235,"sentiment":"neutral","sentiment_score":0.19525882601737976}],"sentiment":"neutral","sentiment_score":0.19525882601737976,"channel":1,"num_words":1,"start":166.735,"end":167.235},{"sentences":[{"text":"one of the recommendations I have made for Quinn was when it comes to making those additional 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are on, a very low income from that point, so the tax savings won't be as great.","start":185.015,"end":198.81,"sentiment":"negative","sentiment_score":-0.38937734847977046},{"text":"So what I have recommended instead, it is a little bit different.","start":200.55,"end":205.03,"sentiment":"neutral","sentiment_score":0.038317560528715454},{"text":"It is called a government co contribution.","start":205.03,"end":207.93001,"sentiment":"neutral","sentiment_score":0.06725292173879487},{"text":"So","start":209.025,"end":209.105,"sentiment":"neutral","sentiment_score":0.10752005130052568}],"sentiment":"neutral","sentiment_score":-0.24702818397312395,"channel":0,"num_words":62,"start":185.015,"end":209.105},{"sentences":[{"text":"Mhmm.","start":209.08,"end":209.58,"sentiment":"neutral","sentiment_score":0.12226325273513794}],"sentiment":"neutral","sentiment_score":0.12226325273513794,"channel":1,"num_words":1,"start":209.08,"end":209.58},{"sentences":[{"text":"if you did have a chance to have a read through the document, but, basically, what it is, it is a scheme where the government are basically having a strategy in place to help low and middle income earners boost their super.","start":209.105,"end":224.95999,"sentiment":"neutral","sentiment_score":0.20420003150190627},{"text":"So","start":225.5,"end":225.81999,"sentiment":"neutral","sentiment_score":0.204551562666893}],"sentiment":"neutral","sentiment_score":0.20420820664527806,"channel":0,"num_words":43,"start":209.105,"end":225.81999},{"sentences":[{"text":"Mhmm.","start":225.725,"end":226.225,"sentiment":"neutral","sentiment_score":0.2296460121870041}],"sentiment":"neutral","sentiment_score":0.2296460121870041,"channel":1,"num_words":1,"start":225.725,"end":226.225},{"sentences":[{"text":"how it works is that if you make a after tax contribution, so let's say just from your bank account into superannuation, the government make an additional contributions themselves to help boost that for you.","start":225.81999,"end":240.985,"sentiment":"neutral","sentiment_score":0.2521264008113316}],"sentiment":"neutral","sentiment_score":0.2521264008113316,"channel":0,"num_words":35,"start":225.81999,"end":240.985},{"sentences":[{"text":"Mhmm.","start":241.37,"end":241.87,"sentiment":"neutral","sentiment_score":0.12351132929325104}],"sentiment":"neutral","sentiment_score":0.12351132929325104,"channel":1,"num_words":1,"start":241.37,"end":241.87},{"sentences":[{"text":"Now how it is is that they will do a maximum of $500 if you are eligible.","start":241.68501,"end":248.425,"sentiment":"neutral","sentiment_score":0.1961573897039189},{"text":"The eligibility criteria for this new financial year is that your income to get the full of 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advantages in regards to it.","start":319.67,"end":324.075,"sentiment":"positive","sentiment_score":0.4454014759797316},{"text":"It is the most tax effective way where they literally just match 500.","start":324.23502,"end":327.915,"sentiment":"positive","sentiment_score":0.4516033369761247}],"sentiment":"positive","sentiment_score":0.47076825029922253,"channel":0,"num_words":33,"start":315.35,"end":327.915},{"sentences":[{"text":"You don't have to pay tax on it or anything like that.","start":327.915,"end":330.23502,"sentiment":"positive","sentiment_score":0.3334938312570254},{"text":"They just put that in to help boost your superannuation.","start":330.23502,"end":333.05502,"sentiment":"positive","sentiment_score":0.639025616645813},{"text":"This advantage, obviously, is that you will have a thousand dollars less in your cash account if something, you know, were to happen, and it is locked in until you meet a condition of a 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happen.","start":345.51,"end":348.89,"sentiment":"neutral","sentiment_score":-0.031057357788085938}],"sentiment":"neutral","sentiment_score":-0.031057357788085938,"channel":0,"num_words":13,"start":345.51,"end":348.89},{"sentences":[{"text":"Mhmm.","start":349.59,"end":350.09,"sentiment":"neutral","sentiment_score":0.016599159687757492}],"sentiment":"neutral","sentiment_score":0.016599159687757492,"channel":1,"num_words":1,"start":349.59,"end":350.09},{"sentences":[{"text":"Yep.","start":350.31,"end":350.81,"sentiment":"neutral","sentiment_score":0.0017518848180770874},{"text":"One of the risk is that there can obviously be changes to superannuation and tax legislation if something were to happen, but, also, obviously, your income will be the biggest change.","start":351.095,"end":362.475,"sentiment":"neutral","sentiment_score":-0.2527585716978196},{"text":"So, obviously, keep an eye on it if it was something you wanted to to do 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26.","start":453.67,"end":458.57,"sentiment":"neutral","sentiment_score":0.09593033231794834},{"text":"So this is kind of a little bit like we were touching on for both of you guys when it comes to different spousal contribution strategies.","start":458.71,"end":467.415,"sentiment":"neutral","sentiment_score":0.13077490031719208},{"text":"So, essentially, there are two ways you can make spousal contributions.","start":467.475,"end":470.935,"sentiment":"neutral","sentiment_score":0.16688482598824936}],"sentiment":"neutral","sentiment_score":0.12715591388005837,"channel":0,"num_words":51,"start":451.91,"end":470.935},{"sentences":[{"text":"One is what I have recommended, and the other one is that contribution splitting.","start":471.95502,"end":476.935,"sentiment":"neutral","sentiment_score":0.12513282522559166},{"text":"Now I think that was kind of what we were touching on first, Alan,","start":477.40997,"end":480.94998,"sentiment":"neutral","sentiment_score":0.04522133379110268}],"sentiment":"neutral","sentiment_score":0.08517707950834717,"channel":0,"num_words":28,"start":471.95502,"end":480.94998},{"sentences":[{"text":"Yep.","start":481.54498,"end":482.04498,"sentiment":"neutral","sentiment_score":0.0025687317829579115}],"sentiment":"neutral","sentiment_score":0.0025687317829579115,"channel":1,"num_words":1,"start":481.54498,"end":482.04498},{"sentences":[{"text":"and I think that is something you touched on with my sorry.","start":481.65,"end":485.33,"sentiment":"neutral","sentiment_score":-0.10703151859343052},{"text":"Do you guys hear my 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tax.","start":1898.645,"end":1902.745,"sentiment":"neutral","sentiment_score":-0.12915349146351218}],"sentiment":"neutral","sentiment_score":-0.12915349146351218,"channel":0,"num_words":16,"start":1898.645,"end":1902.745},{"sentences":[{"text":"Yeah.","start":1902.865,"end":1903.365,"sentiment":"neutral","sentiment_score":0.026097942143678665}],"sentiment":"neutral","sentiment_score":0.026097942143678665,"channel":1,"num_words":1,"start":1902.865,"end":1903.365},{"sentences":[{"text":"Yep.","start":1904.245,"end":1904.745,"sentiment":"neutral","sentiment_score":0.06013738736510277},{"text":"So for the last financial year, that was just done.","start":1905.045,"end":1909.1799,"sentiment":"neutral","sentiment_score":0.03486827425658703},{"text":"You already used up, which was great, the cap space of the 2020 and 2021.","start":1909.4,"end":1915.74,"sentiment":"neutral","sentiment_score":0.229382819434007},{"text":"So you 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starting this financial year, it was the 11,540 available.","start":1971.13,"end":1978.6849,"sentiment":"neutral","sentiment_score":0.134423704309897},{"text":"Assuming your income stays the same and you're reducing salary sacrifice to $200 per fortnight, it will","start":1979.785,"end":1987.145,"sentiment":"neutral","sentiment_score":0.145696082535912}],"sentiment":"neutral","sentiment_score":0.16342797390250272,"channel":0,"num_words":43,"start":1964.7301,"end":1987.145},{"sentences":[{"text":"Mhmm.","start":1986.9199,"end":1987.185,"sentiment":"neutral","sentiment_score":0.09571045637130736}],"sentiment":"neutral","sentiment_score":0.09571045637130736,"channel":1,"num_words":1,"start":1986.9199,"end":1987.185},{"sentences":[{"text":"mean that for this financial year, you are still exceeding the cap space by only by 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you get a bit of a pay rise, we wanna obviously reassess whether we need to reduce that salary sacrifice further for you.","start":2037.9651,"end":2046.69,"sentiment":"neutral","sentiment_score":-0.062310500391598404}],"sentiment":"neutral","sentiment_score":-0.05013311615791814,"channel":0,"num_words":58,"start":2027.58,"end":2046.69},{"sentences":[{"text":"Yeah.","start":2047.275,"end":2047.515,"sentiment":"neutral","sentiment_score":0.028770701959729195},{"text":"Okay.","start":2047.515,"end":2048.0151,"sentiment":"neutral","sentiment_score":0.0365578792989254}],"sentiment":"neutral","sentiment_score":0.0326642906293273,"channel":1,"num_words":2,"start":2047.275,"end":2048.0151},{"sentences":[{"text":"Yep.","start":2047.8099,"end":2048.31,"sentiment":"neutral","sentiment_score":0.05029920861124992},{"text":"Makes 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recommendation.","start":2053.5698,"end":2059.5898,"sentiment":"neutral","sentiment_score":0.024263625698430196},{"text":"Some of the advantages that it is a very tax effective way to utilize your carry forward contribution spaces before they do expire, which is really good.","start":2061.5151,"end":2072.395,"sentiment":"positive","sentiment_score":0.39601761626976506},{"text":"You will continue to obviously have salary sacrifice, which again is a very tax effective way, especially with your high income.","start":2072.395,"end":2079.63,"sentiment":"neutral","sentiment_score":0.09178196248554048}],"sentiment":"neutral","sentiment_score":0.2112456167815253,"channel":0,"num_words":64,"start":2051.0898,"end":2079.63},{"sentences":[{"text":"One of the disadvantages that obviously by salary sacrificing, you are still having less cash flow available than if you decided not to salary sacrifice at 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is valid.","start":2948.24,"end":2949.14,"sentiment":"neutral","sentiment_score":0.17129386961460114},{"text":"So it is valid for sixty days.","start":2949.2,"end":2951.2,"sentiment":"neutral","sentiment_score":0.17363873549870082},{"text":"So the document was created on the June 23, which means that you have sixty 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Veronica.","start":2998.155,"end":2999.535,"sentiment":"positive","sentiment_score":0.7293973714113235},{"text":"Alright.","start":2999.755,"end":3000.0298,"sentiment":"positive","sentiment_score":0.3758108019828797},{"text":"Have","start":3000.0298,"end":3000.305,"sentiment":"positive","sentiment_score":0.3911871314048767}],"sentiment":"positive","sentiment_score":0.5522651635110378,"channel":1,"num_words":8,"start":2997.115,"end":3000.305},{"sentences":[{"text":"No worries.","start":3000.043,"end":3000.6829,"sentiment":"neutral","sentiment_score":0.32822711765766144}],"sentiment":"neutral","sentiment_score":0.32822711765766144,"channel":0,"num_words":2,"start":3000.043,"end":3000.6829},{"sentences":[{"text":"a 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They discuss the benefits of a government co contribution strategy and emphasize the importance of saving on taxes and reducing risk exposure. The speaker recommends staying in the hub twenty four strategy and emphasizes the importance of minimizing risk exposure. They also discuss the retirement plan's benefits and recommend reducing contributions and adding family linking to discount the administration fees. The speaker emphasizes the importance of saving on taxes and offers advice on how to reduce risk exposure. They also recommend rolling over advice into Hub twenty four and reducing salary accruals. The speaker provides resources and information for the customer to read over and provide feedback on their progress."},"intents":{"segments":[{"text":"I had you both in just to kind of go through the rest of the the recommendations. Do you guys still have time this morning? Yeah.","start_word":41,"end_word":66,"intents":[{"intent":"Go through recommendations","confidence_score":0.13237418}]},{"text":"Now because we already have gone through a bit. Hopefully, I won't keep you guys for too long this morning. But before I do kind of jump in, I do need to let you both know that our calls are being recorded for quality and coaching purposes, if that's okay. Mhmm. Nope.","start_word":70,"end_word":121,"intents":[{"intent":"Call back","confidence_score":0.00087124674}]},{"text":"And just as per last time, just for security purposes so that I can confirm I am speaking with the right people, could you just confirm full name, date of birth, and address, please? 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Just Yep.","start_word":265,"end_word":319,"intents":[{"intent":"Book a catch up","confidence_score":0.005442513}]},{"text":"Then the next thing we were going to focus on is obviously the different contribution ways of trying to make things as tax effective for both of you, but also making sure that we are boosting both of your superannuation, but basically in the most tax effective way. Now Mhmm.","start_word":376,"end_word":425,"intents":[{"intent":"Highlight contributions","confidence_score":0.0021076081}]},{"text":"obviously, with the income that you are on at the moment, doing it through salary sacrifice is not the most tax effective way because you are on, a very low income from that point, so the tax savings won't be as great.","start_word":477,"end_word":518,"intents":[{"intent":"Discuss tax savings","confidence_score":0.4487128},{"intent":"Discuss tax savings","confidence_score":0.17586613}]},{"text":"The eligibility criteria for this new financial year is that your income to get the full of 5 Mhmm. 100, your income has to be under 49,293. Now it Yes.","start_word":637,"end_word":666,"intents":[{"intent":"Discuss income eligibility","confidence_score":0.0649654},{"intent":"Clarify income criteria","confidence_score":0.0018087092}]},{"text":"see how, obviously, the business and and everything else is going.","start_word":695,"end_word":705,"intents":[{"intent":"Discuss business and finances","confidence_score":0.033277463}]},{"text":"In the strategy paper, I have outlined some advantages in regards to it. It is the most tax effective way where they literally just match 500. You don't have to pay tax on it or anything like that. They just put that in to help boost your superannuation.","start_word":840,"end_word":887,"intents":[{"intent":"Explain tax advantage","confidence_score":0.003521501}]},{"text":"Now the the next strategy I have done is on page 26. So this is kind of a little bit like we were touching on for both of you guys when it comes to different spousal contribution strategies.","start_word":1220,"end_word":1257,"intents":[{"intent":"Discuss contribution strategies","confidence_score":0.12563582}]},{"text":"And, obviously, tax offset can be a little bit more beneficial than, like, a tax deduction deduction because the tax offset is essentially where you deduct directly from the final amount of your tax. So it's basically a dollar for dollar discount. Okay.","start_word":1602,"end_word":1644,"intents":[{"intent":"Explain tax deduction benefits","confidence_score":0.032250293}]},{"text":"So kind of factoring in for both of you, it was the most tax effective way in making sure that we've boost Queen's superannuation while also giving Alan a little bit of that tax offset given he is on the highest income. Yep.","start_word":1677,"end_word":1719,"intents":[{"intent":"Update superannuation strategies","confidence_score":0.0071822545}]},{"text":"But, obviously, it is something that I recommend we reassess as we go.","start_word":2068,"end_word":2080,"intents":[{"intent":"Reassess yep","confidence_score":0.024441697}]},{"text":"So then how does how does the government know that it's coming from Allan's account for this second strategy? So he would just have to put it in, essentially. Whether that come from a joint bank account or not, it doesn't Okay.","start_word":2149,"end_word":2190,"intents":[{"intent":"Assist with strategy","confidence_score":0.07106173}]},{"text":"So there are when you are doing it with hub twenty four, for example, they have a lot of different codes depending on how you want to put it in.","start_word":2301,"end_word":2330,"intents":[{"intent":"Explain code usage","confidence_score":0.00053098256}]},{"text":"So there are when you are doing it with hub twenty four, for example, they have a lot of different codes depending on how you want to put it in. And that's where we Right. would then obviously assist with directing, okay, use this code or here's the form to do it this way. So make Yep.","start_word":2301,"end_word":2357,"intents":[{"intent":"Help with code usage","confidence_score":0.0015057597}]},{"text":"a lot of different type of contributions you can make, and it does Mhmm. make it a little bit tricky as well. But that is something that we would assist. Okay.","start_word":2376,"end_word":2406,"intents":[{"intent":"Assist with contributions","confidence_score":0.71127665}]},{"text":"Now, again, very similar, obviously, when it comes to advantages disadvantages and risk. Obviously, an advantage is that it will help boost quince your preannuation. Again, give Alan that tax offset, which is great. Obviously, disadvantage, you will have $3,000 less in cash if something were to happen. It is locked in till contribution sorry. It is locked in until you make additional release again. Mhmm.","start_word":2480,"end_word":2545,"intents":[{"intent":"Assist with benefits and disadvantages","confidence_score":0.03365012}]},{"text":"Now I have already touched a little bit on the recommendation for you, Alan, last time, but, essentially, I have recommended that you stay in hub twenty four, Yep. change some of those underlying investments that we went through, and then add that family linking to give you both a bit of a discount on those administration fees. Yep.","start_word":2627,"end_word":2685,"intents":[{"intent":"Update underlying investments and relatives","confidence_score":0.0000034016787}]},{"text":"Again, every time we do make a recommendation, I do consider a lot of different alternative to the funds as well just to make sure because there are always things that are continuously changing.","start_word":2686,"end_word":2719,"intents":[{"intent":"Consider alternatives to funds","confidence_score":0.0058045886}]},{"text":"So it is important to make sure that even though we originally recommended Hub twenty four, that that's still aligned with everything.","start_word":2721,"end_word":2742,"intents":[{"intent":"Acquire alignment and alignment with everything","confidence_score":1.6643223e-7}]},{"text":"The difference here is the estimated capital gains tax. So when we make changes to investments, if they have gone up as well, there will be capital gains tax.","start_word":2847,"end_word":2875,"intents":[{"intent":"Discuss and minimize capital gains tax","confidence_score":0.009374385}]},{"text":"The difference here is the estimated capital gains tax. So when we make changes to investments, if they have gone up as well, there will be capital gains tax. Now like I talked to them last time, that is all within the superannuation environment and something that they will manage and and do. That's something to be mindful of. So I've tried to minimize that as much as possible for you by still Yeah.","start_word":2847,"end_word":2920,"intents":[{"intent":"Reduce capital gains tax","confidence_score":0.629914}]},{"text":"Now you can see here the admin fee and the investment fee are the biggest change. So like I touched on the family linking, we will see that admin fee being reduced for around a $163 per year, which, again, does make a bit of a difference when you compound everything.","start_word":3019,"end_word":3069,"intents":[{"intent":"Explain admin fee and investment fee reduction","confidence_score":0.002339496}]},{"text":"Now the biggest thing is what you can actually see the investment fee change. So even though we are recommending that you increase the risk exposure a little bit up to that high growth, given you do still have plenty of time until retirement. Yep.","start_word":3094,"end_word":3138,"intents":[{"intent":"Analyze investment fee change","confidence_score":0.000809438}]},{"text":"what's going to happen with the market. So that is, again, why we use a five year rolling average. But you can even see twelve months, three years, five years, and ten year time frame to see that again even on a shorter period where we have had a bit of in the last twelve months, the high growth portfolio still has outperformed your current growth portfolio. Yep.","start_word":3507,"end_word":3574,"intents":[{"intent":"Inquire about market trends","confidence_score":0.00033418083}]},{"text":"Now if you can scroll to the next page, which is page 36, you should then have the asset allocation outlined for you. Yep.","start_word":4085,"end_word":4108,"intents":[{"intent":"Navigate portfolios","confidence_score":0.0006337036}]},{"text":"at the moment, you are salary sacrificing about 400 and fortnight. What I have recommended is that we reduce it to $200 per fortnight and utilize a carry forward for the the last financial year, which you already have caught up, which is great without knowing it, so that's good, Yeah.","start_word":4273,"end_word":4323,"intents":[{"intent":"Reduce salary","confidence_score":0.23118211}]},{"text":"What I have recommended is that we reduce it to $200 per fortnight and utilize a carry forward for the the last financial year, which you already have caught up, which is great without knowing it, so that's good, Yeah.","start_word":4284,"end_word":4323,"intents":[{"intent":"Utilize carry forward","confidence_score":0.767239}]},{"text":"if I do, like, a lump sum for for this financial year, it will mean that for the next couple of years, you don't have anything available. So Yeah.","start_word":4361,"end_word":4389,"intents":[{"intent":"Use lump sum","confidence_score":0.11484683}]},{"text":"happen because you are already getting basically for free additional contributions made from your employer, you will lose out on those benefits. So, Right. therefore, I wanted to make sure that we leave a bit of space so that each financial year as your you know, if your income continues to go up and if your employer continues to pay contributions above that cap space, you're not losing out on basically free benefits that your employer is paying for you. Yeah.","start_word":4393,"end_word":4473,"intents":[{"intent":"Save on benefits","confidence_score":0.01581954}]},{"text":"by doing it on a fortnightly basis, instead of, let's say, a lump sum, is that you will continue to take advantage of that dollar cost averaging. So as you are obviously making regular contributions, sometimes the market will be high. Sometimes the market will be low. So you're Yep.","start_word":4503,"end_word":4552,"intents":[{"intent":"Take advantage of market","confidence_score":0.06309727}]},{"text":"So as you are obviously making regular contributions, sometimes the market will be high. Sometimes the market will be low. So you're Yep.","start_word":4530,"end_word":4552,"intents":[{"intent":"Consider regular contributions","confidence_score":0.00451761}]},{"text":"kind of utilizing the market fluctuations to benefit you as well then if Yep. you were to make, like, one lump sum contribution at one point in time, you can be very lucky in that when the market is low, but it could also be that when it's high. Obviously, Yep.","start_word":4554,"end_word":4604,"intents":[{"intent":"Use market fluctuations","confidence_score":0.024408204}]},{"text":"you were to make, like, one lump sum contribution at one point in time, you can be very lucky in that when the market is low, but it could also be that when it's high. Obviously, Yep.","start_word":4567,"end_word":4603,"intents":[{"intent":"Describe contribution amount","confidence_score":0.001254224}]},{"text":"the longer you have the money invested as well, the more it's gonna compound and grow. Yeah.","start_word":4604,"end_word":4620,"intents":[{"intent":"Ensure long-term investment","confidence_score":0.00011918965}]},{"text":"Now how that actually looks like in terms of that carry forward and, again, it is something we should reassess at the end of each financial year, especially if your income continues to go up and your employer continues to pay those contributions because things can change.","start_word":4629,"end_word":4675,"intents":[{"intent":"Reassess income","confidence_score":0.018750075}]},{"text":"So you can see that by reducing your salary sacrifice, you will have more income available yourself. So you will have about 3,536 extra Yep. each year to obviously not do that additional contribution. Yep.","start_word":4720,"end_word":4754,"intents":[{"intent":"Recommend reduced salary sacrifice","confidence_score":0.004281592}]},{"text":"Now how that then works with the carry forward strategy is on the following page, page 40. So how the carry forward work is where you can use up unused concessional contributions from previous financial years. Mhmm.","start_word":4861,"end_word":4897,"intents":[{"intent":"Discuss carry forward strategy","confidence_score":0.039325368}]},{"text":"So as you exceed contributions, so which you have done for the last financial year that was just then, it will then automatically deducted from the oldest financial year first. Yep.","start_word":4912,"end_word":4942,"intents":[{"intent":"Calculate contributions","confidence_score":0.2911195}]},{"text":"Now, obviously, if you were to change employer and they don't pay over their concessional cap, let me know because then we can obviously reassess everything for you. Or, again, if your income if you get a bit of a pay rise, we wanna obviously reassess whether we need to reduce that salary sacrifice further for you. Yeah.","start_word":5518,"end_word":5575,"intents":[{"intent":"Evaluate salary sacrifice recommendations","confidence_score":0.00024020462}]},{"text":"Nominating a spouse is a valid nomination because they do make it quite tricky in who you can nominate directly through the legislation.","start_word":5876,"end_word":5898,"intents":[{"intent":"Educate about nominations","confidence_score":0.0032248723}]},{"text":"Now as you scroll through, so on page 52, you will see a little bit about our ongoing service. Obviously, Alan, you would know, Yep. at a minimum, we do a comprehensive annual review every twelve months, which is where we reassess everything.","start_word":6298,"end_word":6340,"intents":[{"intent":"Reassure trustees","confidence_score":0.0049463953}]},{"text":"So we reassess to make sure that the recommendation we have in place still aligns with your goals and your objectives and everything.","start_word":6342,"end_word":6364,"intents":[{"intent":"Reassess recommendation","confidence_score":0.15951788}]},{"text":"If you guys want more frequent catch up, it is something that we can do.","start_word":6396,"end_word":6410,"intents":[{"intent":"Schedule catch-up","confidence_score":0.40047526}]},{"text":"There's no additional fees or charges. It is all part of the service.","start_word":6411,"end_word":6423,"intents":[{"intent":"Inquire about fees and fees","confidence_score":0.0013295896}]},{"text":"But with the legislation is that you have to sign that ongoing Mhmm. service agreement every twelve months.","start_word":6494,"end_word":6511,"intents":[{"intent":"Confirm agreement agreement","confidence_score":0.00075451593}]},{"text":"It also obviously, if there's any other areas of advice that you guys need, so whether that is you wanna have a look at your personal investments or whatever it might be, it's all part of the service for you as well. Yeah. Cool.","start_word":6520,"end_word":6563,"intents":[{"intent":"Discuss personal investments and investments","confidence_score":0.00019263136}]},{"text":"Now the last thing I do wanna touch on is just a remuneration again just to make sure you guys fully understand.","start_word":6567,"end_word":6588,"intents":[{"intent":"Negotiate remuneration","confidence_score":0.008495496},{"intent":"Inquire about remuneration","confidence_score":0.0065785297},{"intent":"Compare remuneration","confidence_score":0.0011659358}]},{"text":"You pay that once when you came on board. So every, you know, advice piece and stuff we do here for you, there's no upfront advice fee for you. Quinn Mhmm.","start_word":6616,"end_word":6646,"intents":[{"intent":"Pay advice fee","confidence_score":0.001961932}]},{"text":"So what I have recommended again, Quinn, is for you to roll over your Aware Super into Hub twenty four, make a contribution to benefit of that government co contribution for Alan to make the spouse contributions on your behalf, Mhmm. Alan to keep his hub twenty four account to change the underlying investment, Alan to reduce the salary sacrifice from 400 to 200 per fortnight, and then the estate Mhmm. planning.","start_word":6828,"end_word":6899,"intents":[{"intent":"Eliminate purpose","confidence_score":0.0012202282}]},{"text":"But just to show you if you guys decided that you did not want to do those extra contributions Yep.","start_word":7149,"end_word":7168,"intents":[{"intent":"Create extra contributions","confidence_score":0.0052579534}]},{"text":"where's the appendix again?","start_word":7180,"end_word":7183,"intents":[{"intent":"Access appendix","confidence_score":0.13333435}]},{"text":"There's also a new ongoing service agreement for you, Alan, and that is to reduce your ongoing advice fee. Yep.","start_word":7422,"end_word":7441,"intents":[{"intent":"Reducing advice fee","confidence_score":0.07343482}]},{"text":"So, basically, what they are is just massive documents, but it provides you all the information in regards to the product. So you Yep.","start_word":7473,"end_word":7496,"intents":[{"intent":"Highlighting documents","confidence_score":0.0002234703},{"intent":"Providing information","confidence_score":0.24616517}]},{"text":"It is just one of those documents to give you all the important information regarding us here at Oakview as well so that you can decide if we are a good fit for yourself. You can see all the team, the directors, or advisers, and everything in that document as well. Mhmm.","start_word":7563,"end_word":7614,"intents":[{"intent":"Checking fit","confidence_score":0.0009902765}]},{"text":"will give you guys a call in a couple of days just to see if you've had a chance to read over everything and what your thoughts are.","start_word":7674,"end_word":7701,"intents":[{"intent":"Requesting call","confidence_score":0.025000853}]},{"text":"Is there a way to download, like, a PDF version of these on files to read them? Yes.","start_word":7772,"end_word":7789,"intents":[{"intent":"Providing options","confidence_score":0.0027635735}]},{"text":"Often, it will allow you to do it after you sign, but what I can do is I can just email them to both of you so you have a Yep. a PDF version.","start_word":7791,"end_word":7824,"intents":[{"intent":"Email documents","confidence_score":0.566884},{"intent":"Provide email","confidence_score":0.0105259195}]},{"text":"It's just a bit No. harder Paris. to read Yes. on laptop, and I usually like to read on my iPad. Yep.","start_word":7918,"end_word":7939,"intents":[{"intent":"Identify preferred language","confidence_score":0.0000024785913}]},{"text":"I will get that emailed through to both of you. But do you guys have any other questions before I kind of let you go this morning otherwise at this point in time? No. At that moment.","start_word":7961,"end_word":7997,"intents":[{"intent":"Ask questions","confidence_score":0.015424521}]},{"text":"Nope. I think, Yep. yeah, I think that was for you. It was very yeah. And I think, yeah, just making sure that we understand everything before we sign Yes. Yeah.","start_word":7998,"end_word":8028,"intents":[{"intent":"Understand situation","confidence_score":0.00018037701}]},{"text":"Any questions, you can even just email me or give Mhmm. me a call, and we can book you in for another catch up as well. Yep.","start_word":8055,"end_word":8081,"intents":[{"intent":"Book catch up","confidence_score":0.24287598}]}]},"sentiments":{"segments":[{"text":"Hello. Quinn speaking. Good morning. Is this Quinn? Yes. This is Veronica from Financial. How are you?","start_word":0,"end_word":16,"sentiment":"neutral","sentiment_score":0.12098497152328493},{"text":"Good. Thank you. My Verizon account. That's Allan good.","start_word":17,"end_word":25,"sentiment":"positive","sentiment_score":0.4917475581169128},{"text":"here with me. Hello? Hi, Alan. How are you?","start_word":26,"end_word":34,"sentiment":"neutral","sentiment_score":0.24362877011299133},{"text":"I'm doing well. Yeah. That's good.","start_word":35,"end_word":40,"sentiment":"positive","sentiment_score":0.5096637606620789},{"text":"I had you both in just to kind of go through the rest of the the recommendations. Do you guys still have time this morning? Yeah. Mhmm. Yes.","start_word":41,"end_word":68,"sentiment":"neutral","sentiment_score":0.16229885816574097},{"text":"Perfect.","start_word":69,"end_word":69,"sentiment":"positive","sentiment_score":0.34960508346557617},{"text":"Now because we already have gone through a bit. Hopefully, I won't keep you guys for too long this morning. But before I do kind of jump in, I do need to let you both know that our calls are being recorded for quality and coaching purposes, if that's okay. Mhmm. Nope. Perfect. And just as per last time, just for security purposes so that I can confirm I am speaking with the right people, could you just confirm full name, date of birth, and address, please? Yep. Quinn Ho. Date of birth, twenty six zero six nineteen eighty nine. Address, Number 1 Longbourn Avenue, Notting Hill. Yep. Alan Ethan Ory. Date of birth, 11/01/1988. Yep. Same address. Yep. Yep. Perfect. And have you guys had a chance to look through anything or or not really? I have looked through most of it, but not all of Okay. it. No. Yeah. So I think I got to, like, about page 45 or something like that. So Yep. yeah. No. That's all good. So what I will do today is just kind of briefly go through the rest of the recommendations with you guys. Mhmm. Yeah. And then afterwards, you still have obviously some time to have a read over everything and decide what you would like to do. And if you do have any further questions, we can always book in for another catch up. But do you guys have access to your emails again for that document? Just Yep. one of you is fine. Yep. Yep. Yeah. I still got Now it. yeah. Perfect. Now if you can jump into the document and scroll down to page let me see here. 23. That's kind of where we stopped last time. Yeah. Mhmm.","start_word":70,"end_word":362,"sentiment":"neutral","sentiment_score":0.05985073496050395},{"text":"Yeah. Perfect. So we basically have touched on, obviously, Quinn's recommendation for superannuation. Then the next thing we were going to focus on is obviously the different contribution ways of trying to make things as tax effective for both of you, but also making sure that we are boosting both of your superannuation, but basically in the most tax effective way.","start_word":363,"end_word":423,"sentiment":"positive","sentiment_score":0.4161495566368103},{"text":"Now Mhmm. one of the recommendations I have made for Quinn was when it comes to making those additional contributions. You mentioned when we did the, the first conversation that you were willing to put potentially a little bit into your if it was going to be the best for you. But, Yep.","start_word":424,"end_word":476,"sentiment":"neutral","sentiment_score":0.15779758989810944},{"text":"obviously, with the income that you are on at the moment, doing it through salary sacrifice is not the most tax effective way because you are on, a very low income from that point, so the tax savings won't be as great.","start_word":477,"end_word":518,"sentiment":"negative","sentiment_score":-0.3857412934303284},{"text":"So what I have recommended instead, it is a little bit different. It is called a government co contribution. So Mhmm. if you did have a chance to have a read through the document, but, basically, what it is, it is a scheme where the government are basically having a strategy in place to help low and middle income earners boost their super. So Mhmm. how it works is that if you make a after tax contribution, so let's say just from your bank account into superannuation, the government make an additional contributions themselves to help boost that for you. Mhmm. Now how it is is that they will do a maximum of $500 if you are eligible. The eligibility criteria for this new financial year is that your income to get the full of 5 Mhmm. 100, your income has to be under 49,293. Now it Yes.","start_word":519,"end_word":666,"sentiment":"neutral","sentiment_score":0.17424705624580383},{"text":"is something that you can make at the end of this financial year.","start_word":667,"end_word":679,"sentiment":"positive","sentiment_score":0.3542831540107727},{"text":"So it's not something you have to decide now even, and you can obviously Mhmm. see how, obviously, the business and and everything else is going. And then if it is that you are under that threshold, obviously, given we have rolled over to a new financial year, it is something that you can decide closer to the end of this financial year to make sure you're still eligible because, obviously, things can change in the meantime. So how it works is that if you put Mhmm. in a thousand dollars yourself, but from your bank account, the government will match 500 Yep. dollars. That's probably, Mhmm. like, the most tax effective way. You can obviously put more in, but the max they will do is 500. So by Yep.","start_word":680,"end_word":809,"sentiment":"neutral","sentiment_score":0.10396810621023178},{"text":"putting thousand in, they will put 500 and match it themselves, which is a really good incentive.","start_word":810,"end_word":826,"sentiment":"positive","sentiment_score":0.4096710979938507},{"text":"Does that make sense? Yep. Mhmm. Yep.","start_word":827,"end_word":833,"sentiment":"neutral","sentiment_score":0.19397832453250885},{"text":"Perfect. Now it is pretty straightforward. In the strategy paper, I have outlined some advantages in regards to it. It is the most tax effective way where they literally just match 500. You don't have to pay tax on it or anything like that. They just put that in to help boost your superannuation. This advantage, obviously, is that you will have a thousand dollars less in your cash account if something, you know, were to happen, and it is locked in until you meet a condition of a lease.","start_word":834,"end_word":923,"sentiment":"positive","sentiment_score":0.44934162497520447},{"text":"So, obviously, Mhmm. make sure you don't need that thousand dollars if something were to happen. Mhmm. Yep. One of the risk is that there can obviously be changes to superannuation and tax legislation if something were to happen, but, also, obviously, your income will be the biggest change. So, obviously, keep an eye on it if it was something you wanted to to do sooner. Obviously, the the sooner you put the money in, the longer it will compound and be invested for you. But, also, just be mindful that if your income does exceed a lot this year, that you may not be eligible for it. Mhmm. Yep. Yeah. Does that make sense? Mhmm. Yep.","start_word":924,"end_word":1040,"sentiment":"neutral","sentiment_score":-0.08663146197795868},{"text":"Perfect.","start_word":1041,"end_word":1041,"sentiment":"positive","sentiment_score":0.43825697898864746},{"text":"And now other alternatives like I mentioned, I did consider, obviously, salary sacrifice wasn't very tax effective for you or even just making personal contributions, claiming an NOI on that.","start_word":1042,"end_word":1071,"sentiment":"neutral","sentiment_score":-0.2284486293792725},{"text":"But, again, because of your income, it's not the most tax effective.","start_word":1072,"end_word":1083,"sentiment":"negative","sentiment_score":-0.3646474778652191},{"text":"The the kind of highest return rate is this government co contribution strategy.","start_word":1084,"end_word":1096,"sentiment":"neutral","sentiment_score":0.222045436501503},{"text":"So it is pretty straightforward.","start_word":1097,"end_word":1101,"sentiment":"positive","sentiment_score":0.4357525110244751},{"text":"Yep. Yep. Any questions before I move on to the next contribution strategy? Like, if we do it, do we have to do anything to the government, or the government will just say that income It'll is auto Correct. So what you'll do is you'll just put a thousand dollars in, and yep. then the government will automatically put it into your superannuation When you do, like, your tax return and everything and they see that you are a lower middle middle income earner, you Mhmm. have Yep. made that contribution. So you don't have to do anything. They will just put that in automatically. Yep. Okay. Mhmm. Yep. Any other questions? Nope. No. That's it. No. Perfect. Now the the next strategy I have done is on page 26. So this is kind of a little bit like we were touching on for both of you guys when it comes to different spousal contribution strategies. So, essentially, there are two ways you can make spousal contributions. One is what I have recommended, and the other one is that contribution splitting. Now I think that was kind of what we were touching on first, Alan, Yep. and I think that is something you touched on with my sorry. Do you guys hear my dog? Yeah. Yeah. Alright. Yes. Sorry. I'm just working from home today, and it's just a delivery. Yeah. So I'll just let her outside because she sounds aggressive, but she's harmless.","start_word":1102,"end_word":1345,"sentiment":"neutral","sentiment_score":0.08955936133861542},{"text":"She's a little loud. So apologies for that.","start_word":1346,"end_word":1353,"sentiment":"negative","sentiment_score":-0.42525768280029297},{"text":"Now like I said, there are two different contributions for spousal. So there's spousal splitting, which is basically where Alan decides to give up a portion of his contributions going into Quinn's superannuation. It was something I did consider, but for, like, a overall situation, it wasn't the most tax effective, and that is essentially because Alan is already above the concessional contribution cap. Mhmm. Now to make it very tax effective, it would be if Alan was quite below the contribution cap, then Alan's salary sacrificing into his superannuation because he is on a high tax bracket, splitting some of those contribution with UQIN would be the most tax effective. But because Mhmm. of, obviously, Alan being receiving quite a lot of contributions already through superannuation and, obviously, the salary sacrifice you are doing and kind of exceeding that cap space, it Mhmm.","start_word":1354,"end_word":1497,"sentiment":"neutral","sentiment_score":-0.09976957557309005},{"text":"wasn't as effective.","start_word":1498,"end_word":1500,"sentiment":"negative","sentiment_score":-0.342843621969223},{"text":"So what I have recommended instead, it is something that's called spousal contribution. So it's not where Alan touches any of his contributions himself, instead makes an additional contribution. Now how it works is if Alan decides to put in $3,000 into Queen's Super, and, Yep. again, this is after tax contribution. So it can be from your your bank account or anything like that, puts it into Queen's Superannuation. Because of it, he can get a tax offset of 18% of the contributions made, which equates to about $540 per financial year. Mhmm. Does that Yep. make sense? Yep. Yeah. And, obviously, tax offset can be a little bit more beneficial than, like, a tax deduction deduction because the tax offset is essentially where you deduct directly from the final amount of your tax. So it's basically a dollar for dollar discount.","start_word":1501,"end_word":1643,"sentiment":"neutral","sentiment_score":0.18961462378501892},{"text":"Okay. So it is pretty good. So it is a way where Queen, you can pour a little bit more into super. At the same time, Alan will get that tax offset. So kind of factoring in for both of you, it was the most tax effective way in making sure that we've boost Queen's superannuation while also giving Alan a little bit of that tax offset given he is on the highest income.","start_word":1644,"end_word":1717,"sentiment":"positive","sentiment_score":0.5771133690266996},{"text":"Yep. Does that Yep. make sense? Mhmm. Yep. Yep.","start_word":1718,"end_word":1726,"sentiment":"neutral","sentiment_score":0.18357352912425995},{"text":"But, again, these are just recommendations in trying to boost super for for both of you while also making it tax effective.","start_word":1727,"end_word":1748,"sentiment":"positive","sentiment_score":0.49027135968208313},{"text":"Like I said last time, it is completely up to you whether you wanted to do all of these contribution strategies or just one or see how you go. And, again, it does depend on, Quinn's income at the end of the financial year. So if it is something that Yep. you just wanna hold off, see whatever happens, because obviously, just rolled into that new financial year, so there's obviously a bit of time where things can change. It is Yep. completely up to you guys. It's not something you even have to decide what if you wanted to do now or not. So for the last financial year and the first tax Mhmm. strategy that we talked about, which is the 1,000 Yes. contribution, did it Yes. have to be added in during that financial year? Correct. Okay. Yep. Mhmm. Yeah. So And then if does it was that you did it last financial year, they would have yep. then put it in. But because they have rolled into a new financial year, it has to be done the the contribution has to be made that financial year. Yep. Okay. And then the same thing with this one. We're talking about the spousal contribution? Correct. Yes. Yeah. Okay. Yep. Mhmm. So, obviously, time was a bit crunch time getting so close to the end of this money into a year. Mhmm. But even if it was that we did it, let's say, last week, obviously, opening Mhmm. up accounts and doing everything with the money would have been really crunch time because, also, with the super funds and the administration Yep. process, it can take a little bit for things to get into place as well. Yep. Yep. But this is also something that if your situation, Quinn, stays the same for a couple of years, it is something you can do each financial year as well. But, obviously, it is something that I recommend we reassess as we go. Obviously, Mhmm. Yep. if your situation changed, then, obviously, the business is making a lot more money and you decide to obviously draw an income a lot more, other investments are making obviously money, then it is something we should reassess Yep. just to make sure it still aligns with both of you. Yep. Mhmm. Yep. Yes. Any questions about that?","start_word":1749,"end_word":2141,"sentiment":"neutral","sentiment_score":0.05246726883120323},{"text":"Oh, that's pretty straightforward as well.","start_word":2142,"end_word":2147,"sentiment":"positive","sentiment_score":0.4348882734775543},{"text":"Yep. So then how does how does the government know that it's coming from Allan's account for this second strategy? So he would just have to put it in, essentially. Whether that come from a joint bank account or not, it doesn't Okay. really matter as long as he's the one making that contribution, and we would then assist with all the administrative side of it. So whether that is actually from Queen, let's say, you transfer money into your joint bank account, as long as it is a bank account, obviously, that Alan is also part of, and then Alan makes it that way, there's no way of them, obviously, knowing if you transferred, let's say, 3,000 into your joint Yep. account and then Alan made it that way. As long as it's Yeah. kind of registered that Alan made the contribution. But we can also assist with how to do it. So there are when you are doing it with hub twenty four, for example, they have a lot of different codes depending on how you want to put it in. And that's where we Right. would then obviously assist with directing, okay, use this code or here's the form to do it this way. So make Yep. sure it then gets, like, added into the the correct way of doing it. Because there's Yes. a lot of different type of contributions you can make, and it does Mhmm. make it a little bit tricky as well. But that is something that we would assist. Okay. Yep. Alright. Yeah. I I Yep. assume that if we said if we agreed to it, you would yeah. You'd you guys would assist with the actual Correct. mechanics of of doing think. Yes. Yeah. Yeah. Not Mhmm. just, okay. Off you go. And then Okay. you Yeah. could do Yeah. it a different way. No. We would help through all of all of that. But it is a good question, though. Yep.","start_word":2148,"end_word":2478,"sentiment":"neutral","sentiment_score":0.08150164220268273},{"text":"Perfect.","start_word":2479,"end_word":2479,"sentiment":"positive","sentiment_score":0.4209845662117005},{"text":"Now, again, very similar, obviously, when it comes to advantages disadvantages and risk. Obviously, an advantage is that it will help boost quince your preannuation.","start_word":2480,"end_word":2504,"sentiment":"neutral","sentiment_score":0.14038749039173126},{"text":"Again, give Alan that tax offset, which is great.","start_word":2505,"end_word":2513,"sentiment":"positive","sentiment_score":0.34821492433547974},{"text":"Obviously, disadvantage, you will have $3,000 less in cash if something were to happen. It is locked in till contribution sorry. It is locked in until you make additional release again. Mhmm. Yep. Similar risk, obviously, if Queen's income just increases a lot this financial year, that could obviously change thing. Also, future changes in legislation. Often often, they do make the changes at their financial year, though, and because they've kind of already have set them. But, obviously, it is something that can always change. So something to be mindful of. Yep. Now any other questions before I move on to Alan's Yep. superannuation? Nope. That's pretty Nope. straightforward. Yep. Yep.","start_word":2514,"end_word":2625,"sentiment":"neutral","sentiment_score":-0.048834178596735},{"text":"Perfect.","start_word":2626,"end_word":2626,"sentiment":"positive","sentiment_score":0.35303178429603577},{"text":"Now I have already touched a little bit on the recommendation for you, Alan, last time, but, essentially, I have recommended that you stay in hub twenty four, Yep. change some of those underlying investments that we went through, and then add that family linking to give you both a bit of a discount on those administration fees. Yep. Again, every time we do make a recommendation, I do consider a lot of different alternative to the funds as well just to make sure because there are always things that are continuously changing. So it is important to make sure that even though we originally recommended Hub twenty four, that that's still aligned with everything. Because, yeah, things are always changing. And that's not just a in a couple of years, if there's a new product that comes out that is more competitive than Hub 24, there is nothing that ties us to hub 24 if it's going to be the best for both of you. Mhmm. Yep. Now if you can basically scroll down to page 32 for me, it kind of summarizes everything in a table similar to what we did for Quinn. Yep. Yep. Now what you will see here in the balance difference, it's obviously not an upfront fee, what it which it was for Quinn. The difference here is the estimated capital gains tax. So when we make changes to investments, if they have gone up as well, there will be capital gains tax. Now like I talked to them last time, that is all within the superannuation environment and something that they will manage and and do. That's something to be mindful of. So I've tried to minimize that as much as possible for you by still Yeah. making sure that we are swapping it through the best investment. Now just for your reference, if I were to do a full sell down, so let's say change all of your investments, the capital gains tax was approximately 5,676. Okay. So, obviously, try to reduce that as much as possible. Now it is also fluctuating and can vary a little bit because the prices of everything does change on the daily, but it Mhmm. is estimated at around that 1,392. And, again, that is just for the capital gains tax paid within the super environment. Yeah. Yep. Now you can see here the admin fee and the investment fee are the biggest change. So like I touched on the family linking, we will see that admin fee being reduced for around a $163 per year, which, again, does make a bit of a difference when you compound everything.","start_word":2627,"end_word":3069,"sentiment":"neutral","sentiment_score":0.10339766734071563},{"text":"And, obviously, as your super balance grows, same with Quinn, you will get more of that savings as your balance grows.","start_word":3070,"end_word":3090,"sentiment":"positive","sentiment_score":0.4247418940067291},{"text":"Yep. Yep. Now the biggest thing is what you can actually see the investment fee change. So even though we are recommending that you increase the risk exposure a little bit up to that high growth, given you do still have plenty of time until retirement.","start_word":3091,"end_word":3136,"sentiment":"neutral","sentiment_score":0.07730689903964168},{"text":"Yep. The investment fees alone are still quite a bit cheaper, which is really good. Yep. And that is saving about 800 Yep. and $66 per year, which, again, Yep. makes a pretty big difference. Yep. Other fees are also reduced, which is great. Stays you about $69. So, again, overall, pretty good saving in just the platform and the investment fee.","start_word":3137,"end_word":3198,"sentiment":"positive","sentiment_score":0.5552533268928528},{"text":"Yep. Now what you will also see is the discount in the adviser servicing fee, and that is if, obviously, Quinn decides to come on board because Yep. exactly. Because you will then be on the couple fee, which will see it reduced to 1.1% instead of the standard 1.65.","start_word":3199,"end_word":3248,"sentiment":"neutral","sentiment_score":0.19592249393463135},{"text":"So you can see that it will save you quite a bit as well in just that discounted adviser service fee.","start_word":3249,"end_word":3269,"sentiment":"positive","sentiment_score":0.3647734224796295},{"text":"Yeah. Yep. Yep. Now the contribution you can see have been reduced in the recommended, and I will go through that on the next couple of pages. Yep. But, basically, what you can see that even though I have projected the recommendation forward for five and ten years, which factors in as the reduction in the contributions, the reduction Mhmm. in adviser fee, reduction in fees, along with the capital gains tax, it's still making at about $53,000 difference in about five years, Yeah. which is a pretty crazy difference given you are also reducing contribution. Mhmm. Yeah. Yep. Yep. Now similar for for claim, you can see your return. So on your current portfolio in hub twenty four, using that five year rolling average of about 9.95%, recommended at about 12.55%, which Mhmm. is obviously a little bit better, which is great. Now, obviously, in a high growth portfolio, you can see more fluctuations in the short term because you do have a higher portion allocated through those growth investments. The long term, we should obviously see those returns, being better than in a growth portfolio. Yep. Mhmm. Yep. Does that make sense? Yeah. It does.","start_word":3270,"end_word":3466,"sentiment":"neutral","sentiment_score":0.07745097732634713},{"text":"Yep. Perfect.","start_word":3467,"end_word":3468,"sentiment":"positive","sentiment_score":0.5068851709365845},{"text":"Now on the next page, you can then see the the contribution sorry. You can then see everything fast forward, five and the ten years. Again, it's not something we obviously can guarantee because you never know Yeah. what's going to happen with the market. So that is, again, why we use a five year rolling average. But you can even see twelve months, three years, five years, and ten year time frame to see that again even on a shorter period where we have had a bit of in the last twelve months, the high growth portfolio still has outperformed your current growth portfolio. Yep. Yep.","start_word":3469,"end_word":3575,"sentiment":"neutral","sentiment_score":0.19015419483184817},{"text":"Perfect.","start_word":3576,"end_word":3576,"sentiment":"positive","sentiment_score":0.546786904335022},{"text":"Now I have made a little note here as well just in regards to that division two nine three that will be applicable for you, obviously, being a Yeah. high income earner, which you obviously would know. And when you guys do your tax return, you can then obviously choose whether you want that to come out of super or whether you wanna pay for it yourself. Interesting. Should I be taking that out of my super, or should I be paying for that personally? Because I I think I paid for that personally. The choice is up to you. Sometimes people just don't want to pay for it from their cash flow, so they Yep. take it from superannuation. So it it kind of depends on what your cash flow situation is like. Because it's the same amount, obviously, something to factor in is, well, if it comes from your cash flow that just sits in a savings account, what's the returns you're getting on those investments versus if you take it out of superannuation? Yeah. Okay. Yeah. Yeah. Yeah. It makes It's something sense. that you can decide K. depending on how much you you want the money, like, needed from the cash flow or whether you wanna take it from superannuation. Yeah. Okay. No. That Yes. Yes.","start_word":3577,"end_word":3796,"sentiment":"neutral","sentiment_score":0.037771210074424744},{"text":"Perfect.","start_word":3797,"end_word":3797,"sentiment":"positive","sentiment_score":0.4076184034347534},{"text":"And now with investments, makes it is same as what I recommended for Quinn. So on page 34, you can see the the sense. recommendation. Yep. So you can again see your current investments. You can see your current balance Mhmm. and the current weight into those investments. You can then see the buy and sell. So all the thing in red is what we are selling. Now you Mhmm. can see Yep. that we are not selling all of them. Some are just Yeah. being rebalanced. So you can see that then along investments, we are changing the ClearBridge. We are changing the bank hybrid is being phased out as well. So we're changing that one along with the global agriculture. You can see gold, we are still keeping in your portfolio. But because we are moving to a high growth, you will have a little bit less in your defensive. Therefore, that is reduced a little bit to align with that high growth portfolio. It still very much wants to keep it in your portfolio. Same with cybersecurity. Again, keeping it in your portfolio, just reducing it a little bit down to 6%. IShares S and P 500, we are keeping it as increasing the allocation a little bit. Roughly, we are selling out. And then the bottoms there, you can see same as Quinn. We are adding the Europe, Japan, all world, BetaShares Australia 200, and then the fixed interest at 5% at the bottom there as well. Yep. And, again, all those investments are in the appendix if it is that you guys want to go and have a bit of a review over them in your own time as well. Yep. Yep. Now if you can scroll to the next page, which is page 36, you should then have the asset allocation outlined for you. Yep. I see him. Yep. So you can see the risk profile, which is aiming for around ninety ten. Now it can vary with with market. So it's often between 90 to about 95 and then to five and ten. So it does obviously range a little bit with market prices, but around that nine to 10 allocation. You can Yep. see your existing portfolio, which is about $87.07 5 in growth, about $12.02 5 in defensive. And then you can see that the repost, because we are moving to a high growth, you will have a little bit higher allocation through those Yep. growth investments than what you Yep. currently have. Yep. Any questions in regards to that? Or that's pretty straightforward as well. No. All makes sense. Yep.","start_word":3798,"end_word":4237,"sentiment":"neutral","sentiment_score":0.11978209330277008},{"text":"Perfect.","start_word":4238,"end_word":4238,"sentiment":"positive","sentiment_score":0.5769083499908447},{"text":"Now the next thing can be a little bit messy, so I will try to make it as easy as I can, which is when it comes to your contribution strategy, Alex. So Mhmm. at the moment, you are salary sacrificing about 400 and fortnight. What I have recommended is that we reduce it to $200 per fortnight and utilize a carry forward for the the last financial year, which you already have caught up, which is great without knowing it, so that's good, Yeah. and for the next couple of financial yet. So, essentially, because your employer does pay contributions above the cap, which is fantastic, I don't wanted to use Yeah. up all your available carry forward basis. Because Okay. if I do, like, a lump sum for for this financial year, it will mean that for the next couple of years, you don't have anything available. So Yeah. what would Okay. happen because you are already getting basically for free additional contributions made from your employer, you will lose out on those benefits. So, Right. therefore, I wanted to make sure that we leave a bit of space so that each financial year as your you know, if your income continues to go up and if your employer continues to pay contributions above that cap space, you're not losing out on basically free benefits that your employer is paying for you. Yeah. Makes sense. Yep. Now by doing the fortnightly salary sacrifice, obviously, salary sacrifice is pretax. So that's how you are saving, obviously, a little bit in tax. And Yep. by doing it on a fortnightly basis, instead of, let's say, a lump sum, is that you will continue to take advantage of that dollar cost averaging. So as you are obviously making regular contributions, sometimes the market will be high. Sometimes the market will be low. So you're Yep. kind of utilizing the market fluctuations to benefit you as well then if Yep. you were to make, like, one lump sum contribution at one point in time, you can be very lucky in that when the market is low, but it could also be that when it's high. Obviously, Yep.","start_word":4239,"end_word":4603,"sentiment":"neutral","sentiment_score":0.06884873950318114},{"text":"the longer you have the money invested as well, the more it's gonna compound and grow.","start_word":4604,"end_word":4619,"sentiment":"positive","sentiment_score":0.4707530736923218},{"text":"Yeah. Makes sense. Does that make sense?","start_word":4620,"end_word":4626,"sentiment":"neutral","sentiment_score":0.26798781752586365},{"text":"Yeah. Perfect.","start_word":4627,"end_word":4628,"sentiment":"positive","sentiment_score":0.5220310091972351},{"text":"Now how that actually looks like in terms of that carry forward and, again, it is something we should reassess at the end of each financial year, especially if your income continues to go up and your employer continues to pay those contributions because things can change. Now how it's displayed for you is if you wanna go down to table sorry. Page 39, you should see a salary sacrifice table first. Page 29. Yep. 39. Yes. So you basically can see here your current position and your proposed position. Yep. So you can see that by reducing your salary sacrifice, you will have more income available yourself. So you will have about 3,536 extra Yep. each year to obviously not do that additional contribution. Yep. When it comes to actual contributions, though, you will have a little Mhmm. bit less going into super as a result. So that basically shows that. It shows that the Right. tax as well, taxable income, and everything like that. Does that make Okay. sense? So this was that 4,420 is the figure on the the other table that that we had, the one that was on Exactly. The contribution change. Yes. yeah. Yeah. Yeah. Yeah. Yep. Okay. So Cool. not like That the capital gains, but that will be obviously less contributions going into super. makes sense. Yep. Yep. Yeah. Yep. Yep. I see.","start_word":4629,"end_word":4859,"sentiment":"neutral","sentiment_score":0.07888960093259811},{"text":"Cool.","start_word":4860,"end_word":4860,"sentiment":"positive","sentiment_score":0.3995843529701233},{"text":"Now how that then works with the carry forward strategy is on the following page, page 40. So how the carry forward work is where you can use up unused concessional contributions from previous financial years. Mhmm. So how it normally works is start from the oldest financial year first. So as you exceed contributions, so which you have done for the last financial year that was just then, it will then automatically deducted from the oldest financial year first. Yep. Now I have included the different concessional contribution cap amount so that you can see it. So over CER continue to going up. So you can see from 2020 to 2021, it was 25,000. It then increases. And even this financial year that just takes over is now up at 32,500, which I have factored in into these calculations for you as Right. well. Make Yep. Okay. make sense? Yeah. Makes sense. Yep. Now the next two tables is where it gets a little bit messy, but it's just to show you. Yeah. So for, obviously, the financial year that just ticked over, Mhmm. what that basically looks like, you can see you can see the financial years first. And, again, going back to the oldest financial year available, you can see the contributions that was made Yep. into super, and that was also from those screenshots you sent me Yep.","start_word":4861,"end_word":5092,"sentiment":"neutral","sentiment_score":0.12509410609972887},{"text":"from the ATO, which was great because that gave me all the insights that I needed. You can see the concessional caps again outlined for each financial year to make it easy.","start_word":5093,"end_word":5124,"sentiment":"positive","sentiment_score":0.4710525870323181},{"text":"And Yep. you can then also see the cap spaces remaining in each of those financial years. So you can obviously see as your income went higher and you started to make contributions yourself, Yep. obviously, there was less and less and less cap spaces remaining. So Yep. the reason why I did not recommend to discontinue that 400 is that because each year, you will continue to go up over the cap space a lot more than what's available. So you would run out very quickly, Yeah. of available cap space, and then you'll be over and having to pay that additional tax. Yeah. Yep. So for the last financial year, that was just done. You already used up, which was great, the cap space of the 2020 and 2021. So you can Yep. basically see that at the start of the financial year, the last financial year, at the start, you had about 25,300 available through all the financial years. Yep. You then went over the cap space for the last financial year by about 13,760, Yeah. which we then used up from those previous financial year, which means that for this financial year, you have about 11,540 combined across all those financial years left. And if you were to continue to pay that 400 per fortnight and your income stays exactly the same, even this financial year, you'd already used up every Mhmm. Yeah. yep. Makes sense? Yeah. Makes sense. Yep.","start_word":5125,"end_word":5368,"sentiment":"neutral","sentiment_score":-0.00080387659378533},{"text":"Perfect.","start_word":5369,"end_word":5369,"sentiment":"positive","sentiment_score":0.5176165103912354},{"text":"Now on the next page, it then shows you for this financial year. So, again, starting this financial year, it was the 11,540 available. Assuming your income stays the same and you're reducing salary sacrifice to $200 per fortnight, it will Mhmm. mean that for this financial year, you are still exceeding the cap space by only by 6,460. Mhmm. Now you still have that because you have 11,540 available, it will mean that for the next financial year, you would still have about 5,080 available. Now Yep. because, obviously, your employer are continued to going over the cap space, that's where I didn't wanna use up everything because then Yep. that means that you obviously continue to run out. And if you are getting those contributions for free, essentially, from your employer, it is a benefit I do not want you to lose out. Yep. Okay. Yep. Now, obviously, if you were to change employer and they don't pay over their concessional cap, let me know because then we can obviously reassess everything for you. Or, again, if your income if you get a bit of a pay rise, we wanna obviously reassess whether we need to reduce that salary sacrifice further for you. Yeah. Okay. Yep. Makes sense? Yeah. It makes sense. Yep.","start_word":5370,"end_word":5584,"sentiment":"neutral","sentiment_score":0.034746911376714706},{"text":"Perfect.","start_word":5585,"end_word":5585,"sentiment":"positive","sentiment_score":0.3955840766429901},{"text":"Again, you will have advantages, some disadvantages, and risks in regards to the recommendation.","start_word":5586,"end_word":5599,"sentiment":"neutral","sentiment_score":0.026036417111754417},{"text":"Some of the advantages that it is a very tax effective way to utilize your carry forward contribution spaces before they do expire, which is really good.","start_word":5600,"end_word":5626,"sentiment":"positive","sentiment_score":0.4109546542167664},{"text":"You will continue to obviously have salary sacrifice, which again is a very tax effective way, especially with your high income.","start_word":5627,"end_word":5647,"sentiment":"neutral","sentiment_score":0.0912322849035263},{"text":"One of the disadvantages that obviously by salary sacrificing, you are still having less cash flow available than if you decided not to salary sacrifice at all.","start_word":5648,"end_word":5674,"sentiment":"negative","sentiment_score":-0.43123888969421387},{"text":"But Yep.","start_word":5675,"end_word":5676,"sentiment":"neutral","sentiment_score":0.3150244951248169},{"text":"the good thing is that because you have already salary sacrificed 400 per fortnight, you will have a little bit extra cash available to then utilize the other goals and stuff that you guys want to achieve together.","start_word":5677,"end_word":5714,"sentiment":"positive","sentiment_score":0.6787365674972534},{"text":"Yep. Yep. And, again, a risk is that it is locked in until you meet a condition of release, Yep. and, That's again, it changes to superannuation legislation. fine.","start_word":5715,"end_word":5743,"sentiment":"neutral","sentiment_score":-0.08905394375324249},{"text":"The good thing Yeah. is because it has gone up by 3,000 2,500 for this money issue year, it means that we have a little bit more space.","start_word":5744,"end_word":5771,"sentiment":"positive","sentiment_score":0.4462539255619049},{"text":"And then if there are changes to next money issue year with those cap spaces, we then might want to alter things again for you.","start_word":5772,"end_word":5796,"sentiment":"neutral","sentiment_score":0.17033454775810242},{"text":"Yeah. Seems good.","start_word":5797,"end_word":5799,"sentiment":"positive","sentiment_score":0.5117351412773132},{"text":"Yep. Yep.","start_word":5800,"end_word":5801,"sentiment":"neutral","sentiment_score":0.30842095613479614},{"text":"Perfect.","start_word":5802,"end_word":5802,"sentiment":"positive","sentiment_score":0.6332530975341797},{"text":"Now all of these contribution strategies, all three that I have mentioned was factored into those projection tables I mentioned as well. So it factors in Yep. everything. Yep. Now the last thing is just estate planning. So I have included some information in regards to your beneficiary. So that Mhmm. is for your super and for your insurances as well. So there are a lot of different ways you can structure things. Nominating a spouse is a valid nomination because they do make it quite tricky in who you can nominate directly through the legislation. A spouse is a valid nomination. And what would happen is that if something were to happen to either of you, the other partner would receive everything tax free because you are a spouse. Yep. Yep. Now the type of nomination I have recommended, it is a binding and nonlapsing. Basically, what it means, a binding means that the trustees or your super insurers are bound to follow your wishes. The other type of nomination is a nonbinding. Basically, what it means is to say that this is what you want to have happen, but it is ultimately up to the trustee to decide whether they agree with it or whether they feel that there is something someone else that is more suitable for it. So, basically, Yes. binding gives you more certainty. Does that Yes. make sense? Yeah. That's it.","start_word":5803,"end_word":6039,"sentiment":"neutral","sentiment_score":0.1168187557707859},{"text":"Yep. Perfect.","start_word":6040,"end_word":6041,"sentiment":"positive","sentiment_score":0.49393367767333984},{"text":"Non lapsing also means that you just make the the the nomination type once and then never again. So, obviously, if, your situation ever were to change or you wanna change the nomination, you just have to let me know, and we have to change it. Yep. The other type of nomination was to do a lapsing, which means you have to complete the forms every three years. Yeah. Okay. Yep. And most people prefer to just let me know if anything changes Yeah. and leave it so you don't have to do it every three years. Yeah.","start_word":6042,"end_word":6139,"sentiment":"neutral","sentiment_score":0.17037729918956757},{"text":"Sounds good. Yep. Perfect. I have also just included some information in regards to setting up a a will and power of attorney. It is something I always recommend everyone to consider. It is completely up to you, But Yep. it does mean that if something were to happen, it does provide that certainty on your assets as well.","start_word":6140,"end_word":6198,"sentiment":"positive","sentiment_score":0.3944464921951294},{"text":"Yeah. That's something that Yeah. we know we should do. We haven't Yeah. really gotten into it. Yeah. And most people are the same. Everyone's like, yep. It's not my to do list, but it's one of those things that often is something you know you should be doing, but it just kinda falls off to the sides because everything gets really busy. Yep. So that's why I have included information often if you do a will through a lawyer as well. You can also make a power of attorney nomination at the same time as well. Yep. Yep. Now as you scroll through, so on page 52, you will see a little bit about our ongoing service. Obviously, Alan, you would know, Yep. at a minimum, we do a comprehensive annual review every twelve months, which is where we reassess everything. So we reassess to make sure that the recommendation we have in place still aligns with your goals and your objectives and everything. If there's anything that has changed in your life and we need to make tweaks and changes, this is where we want to do it. That is just at a minimum, though. If you guys want more frequent catch up, it is something that we can do. There's no additional fees or charges. It is all part of the service. But at a minimum, every twelve months, we do that comprehensive annual review, which is also where you decide if you would like to stay on for the next twelve months or so. But it is not a lock in contract. It is something if at any point in time you guys are not happy, it is not a lock in contract. There's no excess fees or anything like that. But with the legislation is that you have to sign that ongoing Mhmm. service agreement every twelve months. We can't just keep charging fees. Yep. Yep. It also obviously, if there's any other areas of advice that you guys need, so whether that is you wanna have a look at your personal investments or whatever it might be, it's all part of the service for you as well. Yeah.","start_word":6199,"end_word":6562,"sentiment":"neutral","sentiment_score":0.09253588081388683},{"text":"Cool.","start_word":6563,"end_word":6563,"sentiment":"positive","sentiment_score":0.391725480556488},{"text":"Yep.","start_word":6564,"end_word":6564,"sentiment":"neutral","sentiment_score":0.2739521265029907},{"text":"Yep. Perfect.","start_word":6565,"end_word":6566,"sentiment":"positive","sentiment_score":0.4821173846721649},{"text":"Now the last thing I do wanna touch on is just a remuneration again just to make sure you guys fully understand. So if you can scroll down to page 54 for me. So you can see here that Alan, for you, there is no upfront Yeah. advice fee. You pay that once when you came on board. So every, you know, advice piece and stuff we do here for you, there's no upfront advice fee for you. Quinn Mhmm. for you is at 4,900 Yep. and 50, which was that balance difference in your projection table. Now that is usually 3.3% capped at a 150,000. And because you see the balance is above that, it's capped for you. Yep. The next page, you can then see the ongoing. So you can see here the ongoing advice fee reduced for both of you down to 1.1 from superannuation. Now I have also included for you, Alan, your insurances. So when Yes. it comes to insurances, it is not something that you pay. It is something that Tau pays us at Oakview, and we do Yep. get a commission on the insurance policy, which is 22% of the premium. But, again, it's not something that you pay before compliances. We have to disclose all commissions so that you are fully aware of them. Mhmm. Yep. Do you guys have any questions in regards to the fee structure? Nope. That makes sense. No.","start_word":6567,"end_word":6807,"sentiment":"neutral","sentiment_score":0.09437172164313526},{"text":"Perfect.","start_word":6808,"end_word":6808,"sentiment":"positive","sentiment_score":0.5145554542541504},{"text":"And the last couple of pages just kind of summarizes everything.","start_word":6809,"end_word":6819,"sentiment":"neutral","sentiment_score":0.24892786145210263},{"text":"So all the recommendations are outlined for you.","start_word":6820,"end_word":6827,"sentiment":"positive","sentiment_score":0.35826191306114197},{"text":"So what I have recommended again, Quinn, is for you to roll over your Aware Super into Hub twenty four, make a contribution to benefit of that government co contribution for Alan to make the spouse contributions on your behalf, Mhmm. Alan to keep his hub twenty four account to change the underlying investment, Alan to reduce the salary sacrifice from 400 to 200 per fortnight, and then the estate Mhmm. planning. Again, though, these are just recommendations whether you wanna take some of it or none of it or all of it. It is completely up to you guys.","start_word":6828,"end_word":6927,"sentiment":"neutral","sentiment_score":0.19716742634773257},{"text":"Thank Yep. you.","start_word":6928,"end_word":6930,"sentiment":"positive","sentiment_score":0.5602072477340698},{"text":"Yep. Now you will also see how to implement our advice. That is more just so that you can see the steps.","start_word":6931,"end_word":6952,"sentiment":"neutral","sentiment_score":0.29305654764175415},{"text":"But if it was something that you guys were happy to go ahead with, that is something that we would guide and and talk you through the process and how it all works.","start_word":6953,"end_word":6985,"sentiment":"positive","sentiment_score":0.4574521481990814},{"text":"So you guys wouldn't have to think, oh, when should I do this, or when should I do this?","start_word":6986,"end_word":7004,"sentiment":"neutral","sentiment_score":0.1219261959195137},{"text":"It Yep. is something that we would do all for you. Perfect. Yep.","start_word":7005,"end_word":7017,"sentiment":"positive","sentiment_score":0.5283052325248718},{"text":"Now you would have seen as well a couple if you went through it. There were quite a few documents in the DocuSign folder for you. So the second attachment is the appendix. Now this is the one I mentioned that has kind of all the research and everything attached for you. You will have the investment link. Now what I have also included is a comparison as well where if, Quinn, you decide not to wanting to make the government co contribution and if Alan decides that he does not want to make the Mhmm. spousal contribution, how that would change things for your superannuation. And it would still put you ahead by quite a lot. But, obviously, the more you have in super, the more it compounds and growth. But just to show you if you guys decided that you did not want to do those extra contributions Yep. for quick. Mhmm. Where's Just so the that you have that. where's the appendix again? Can I where was that So one that you if just you needed? press next in the DocuSign or if you scroll all the way to the bottom of the SOA, it should take you to In the next the browser, document. there's, like, a little error. So there's, like, Yes. twelve twelve things Yes. in here. That's that's a lot. Yep. Okay. Maybe I just can't see it on mobile if I'm on mobile. You should still be able to to press next, like next document or I think it do I have to press click to start. Maybe I press that okay. Yep. test. Because some photos show it's up No. a little I'll bit pull differently. it up on I I can see on Quinton, and I'll pull it up in Okay. Apple.","start_word":7018,"end_word":7319,"sentiment":"neutral","sentiment_score":0.015753437154340428},{"text":"So it's all good.","start_word":7320,"end_word":7323,"sentiment":"positive","sentiment_score":0.437537133693695},{"text":"Okay. If for some reason you can't access it, though, I can see all of that on my end here in in your document. But if for some reason you can't, just let me know, and I can always get it emailed to you. But, yeah, maybe because there are quite a lot of attachments, Yep. Yeah. a computer later might be a bit easier because you can see, yep, that appendix. You can also see all the application and documents. So there is a pre prepared application for Queen to set up the '24 application. Mhmm.","start_word":7324,"end_word":7420,"sentiment":"neutral","sentiment_score":0.05390661582350731},{"text":"There's also a new ongoing service agreement for you, Alan, and that is to reduce your ongoing advice fee. Yep. Yep. You also have all the corresponding product disclosure statement. So every time we do make a recommendation on a product, we have to give you the product disclosure statement as well.","start_word":7421,"end_word":7472,"sentiment":"positive","sentiment_score":0.3528658449649811},{"text":"So, basically, what they are is just massive documents, but it provides you all the information in regards to the product.","start_word":7473,"end_word":7493,"sentiment":"neutral","sentiment_score":0.2693508267402649},{"text":"So you Yep. will have everything in regards to hub 24. You will have the the menu investment booklet and and everything in there for you.","start_word":7494,"end_word":7519,"sentiment":"positive","sentiment_score":0.3887539505958557},{"text":"And you'll also have just another version of that financial services guide again. Alan, you would have seen it from your annual review. Quinn, I believe the onboarding team did email that to you as well. If not, it's in the document. Mhmm.","start_word":7520,"end_word":7562,"sentiment":"neutral","sentiment_score":0.1975453644990921},{"text":"It is just one of those documents to give you all the important information regarding us here at Oakview as well so that you can decide if we are a good fit for yourself.","start_word":7563,"end_word":7596,"sentiment":"positive","sentiment_score":0.38813841342926025},{"text":"You can see all the team, the directors, or advisers, and everything in that document as well. Mhmm. Now that was essentially everything that I needed to go through with the two of you, which I know there's obviously a lot. So take your time. Have a read over everything. Now Maddie, who you, Quinn, I believe you spoke to last time, you spoke to Maddie or Jordan for the first kind of research process, Yep. Mhmm. will give you guys a call in a couple of days just to see if you've had a chance to read over everything and what your thoughts are. Obviously, take your time to read over it because there is a lot to go through. If you Mhmm. have any further questions, though, at any point in time, just let me know or let Maddie know when she gives you a call, and we can always book you in for another catch up and and discuss and go through any questions you might have. Same for you, Yeah. Alan. Is there a way to download, like, a PDF version of these on files to read them? Yes. Often, it will allow you to do it after you sign, but what I can do is I can just email them to both of you so you have a Yep. a PDF version. Would you like Yep. all the documents, like, all the PDFs and everything as well? Yes, please. Yeah. Yeah. Okay. Yep.","start_word":7597,"end_word":7844,"sentiment":"neutral","sentiment_score":0.14763675939532056},{"text":"Perfect.","start_word":7845,"end_word":7845,"sentiment":"positive","sentiment_score":0.6201591491699219},{"text":"I may have to do it in two documents. Yep. I'll see just how big it is, Yep.","start_word":7846,"end_word":7863,"sentiment":"neutral","sentiment_score":0.20089073479175568},{"text":"but I will get that out to both of you. And you're happy with one joint email for the two of you?","start_word":7864,"end_word":7885,"sentiment":"positive","sentiment_score":0.40101897716522217},{"text":"Like, Yeah. you both That's will fine. be cc'd Yeah. in the same email? Yep.","start_word":7886,"end_word":7900,"sentiment":"neutral","sentiment_score":0.13415353000164032},{"text":"Perfect. I will get that all emailed out to you today.","start_word":7901,"end_word":7911,"sentiment":"positive","sentiment_score":0.5858627557754517},{"text":"Yep. Yep.","start_word":7912,"end_word":7913,"sentiment":"neutral","sentiment_score":0.23126862943172455},{"text":"That'd be perfect.","start_word":7914,"end_word":7916,"sentiment":"positive","sentiment_score":0.5314750075340271},{"text":"Yeah. It's just a bit No. harder Paris. to read Yes. on laptop, and I usually like to read on my iPad. Yep. No. I'm the Yeah. same. I sometimes, you know, highlight different things. Yeah. Sorry. I I completely Yeah. get it. No. I will get that emailed through to both of you. But do you guys have any other questions before I kind of let you go this morning otherwise at this point in time? No. At that moment. Nope. I think, Yep. yeah, I think that was for you. It was very yeah. And I think, yeah, just making sure that we understand everything before we sign Yes. Yeah. Is the Yes. next step. Mhmm. Exactly. And like I said, you have a bit of time to decide for for the two of you. Yep. Any questions, you can even just email me or give Mhmm. me a call, and we can book you in for another catch up as well. Yep.","start_word":7917,"end_word":8081,"sentiment":"neutral","sentiment_score":0.056931301951408386},{"text":"Perfect.","start_word":8082,"end_word":8082,"sentiment":"positive","sentiment_score":0.4269554018974304},{"text":"Yep.","start_word":8083,"end_word":8083,"sentiment":"neutral","sentiment_score":0.2859278917312622},{"text":"Thank you, Beautiful. Veronica.","start_word":8084,"end_word":8087,"sentiment":"positive","sentiment_score":0.5633410215377808},{"text":"Alright.","start_word":8088,"end_word":8088,"sentiment":"neutral","sentiment_score":0.30979758501052856},{"text":"Thank you, No.","start_word":8089,"end_word":8091,"sentiment":"positive","sentiment_score":0.3705502450466156},{"text":"Veronica.","start_word":8092,"end_word":8092,"sentiment":"neutral","sentiment_score":0.26308685541152954},{"text":"That's okay. Thank you so much for your time, both of you today and last time as well. And I look forward to hearing from the two of you soon.","start_word":8093,"end_word":8122,"sentiment":"positive","sentiment_score":0.6857632994651794},{"text":"And, yeah, any questions or anything that I can help you with, just let me know. Yep. So in terms of deadline, the like, obviously, we're we're in the new financials. So all this process is for this like, as in it's the July 1. Happy Mhmm. financial year, but Yes.","start_word":8123,"end_word":8173,"sentiment":"neutral","sentiment_score":0.11924275755882265},{"text":"we're in so we'll be we'll be working for this. Correct.","start_word":8174,"end_word":8184,"sentiment":"positive","sentiment_score":0.4388813376426697},{"text":"And I guess, like, essentially, the sooner we do it, just kinda the better it is. Yeah. Yeah. Yeah. Okay. Yeah. Exactly. But Yep. it is valid. So it is valid for sixty days. So the document was created on the June 23, which means that you have sixty days. Mhmm. So Yep. just let me know, ideally, by the end of this month, the latest on what you are thinking. Yep. Just because, obviously, if it does expire, we will just have to redo everything to make sure it's still, obviously, the numbers and everything because there is obviously a deadline with numbers. Mhmm. Yep. But just let me know. You still have Yep. time to have a look through everything. But, yes, we did Mhmm. factoring all the changes to this financial year because it was so close when we'd prepared everything. Mhmm. Yep. Yep.","start_word":8185,"end_word":8331,"sentiment":"neutral","sentiment_score":0.05310161039233208},{"text":"Perfect. Yeah. Just let me know how you go. And thank you so much for your time, and I hope you enjoy the rest of your day.","start_word":8332,"end_word":8358,"sentiment":"positive","sentiment_score":0.7394953966140747},{"text":"Mhmm.","start_word":8359,"end_word":8359,"sentiment":"neutral","sentiment_score":0.2638809084892273},{"text":"Alright. Happy thank you, Veronica. Alright. Have No worries. a good We'll day.","start_word":8360,"end_word":8372,"sentiment":"positive","sentiment_score":0.49796855449676514},{"text":"speak soon. You too. Bye.","start_word":8373,"end_word":8377,"sentiment":"neutral","sentiment_score":0.23212885856628415}],"average":{"sentiment":"neutral","sentiment_score":0.1194303475439021}}}}