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Fantastic. I do have the document to send through to you there as well. Are you able to access your emails at the moment at all? Fantastic. I'll just send that one through to you. Just while it is coming through, I do have to let you know we do record our calls for quality and training purposes. Are you happy with me proceeding with that moving forward? Fantastic. And just to do a quick security check there for you as well, just because we are discussing your personal information, I'll just get to confirm your full name, your date of birth, and address I should have on file. Yep. Yep. The full name, address, and date of birth. So sorry. Yep. Beautiful. Thank you so much for that. Sorry about that confusion there. How's your day been so far? Oh, are you getting lunch break soon, or you're having a bit of a break shortly, or is this it? Yeah. Yeah. Yep. Yep. Trying to get it all done. Understandable. No. All good. Well, I'll try not to take up too much of your time. I'll run through the areas that we need to with regards to your advice. Just touch on other recommendations, and then you'll be able to go back and have a good look at the document there as well. If you find you have any additional questions, you're welcome to let me know. Okay? Fantastic. Now has that email come through to you there at all as of yet? That's okay. You're fine. Fantastic. So if you just open the email yeah. If you press the sign button, it'll move forward so you can view the document. I don't ever want you to sign anything you haven't read, so we'll go through it prior to it allowing you to sign. Yep. So when you go forward, it should show you the next page there, which says statement of advice prepared for yourself as of the 08/25/2026. Is that what you can see? Yep. Sorry. You're a couple of pages down, but that's absolutely fine. On the very front page, it sort of dropped you down a few pages there, but it does have all my authorized representative license number. So I'm a licensed adviser, and my representative number is 1304394. That's all good. The next page as you are scrolling through has the best interest duty, and that's just letting you know that any advice we do provide is done under the best interest duty. So it's making sure that we understand all of your circumstances to the fullest and making sure we understand your goals, that any advice is provided to assist you in meeting your goals moving forward there. Okay? The the page you were looking at just before there was the scoping in and out section. So that's essentially focusing on areas that we are and are not looking at advice with regard to this advice document for you. So the areas that we are scoping in or looking at with the recommendations are superannuation. I've got a bit of a state planning there for you as well. And then we've also, just as a limited scope, considered the insurance aspect. So we weren't changing anything with the insurances, but we are scoping them into an extent that they are paid out of super. So it does have an effect on your super, and we've incorporated that into the projections for you. Okay? Beautiful. On page number five, it has the areas that we're not looking at new advice for. So income protection and trauma has been scoped out of this. If you wanted to look at additional recommendations about insurances, we can come back and have that conversation at a later time there with you. And we're also not scoping in the retirement income needs as of yet. So you're a little over ten years away there from being able to access super as per your goal. So we are essentially just not focusing on the building of your super and what to do now to help it increase and build over time. When you get closer to accessing your super, then we'll certainly look at, you know, the drawing down the retirement aspect and what that looks like for you. Okay? And estate planning has been both scoped in and out because there are different stages to it. So we're scoping in just looking at making sure you've got a will and power of attorney updated to make sure they reflect your current wishes. We are scoping out estate planning with the side of the beneficiary nominations. So you have those in place. You confirm that you were comfortable with how your beneficiary nominations were set up. So we're scoping scoping that side of it out for you. Okay? Beautiful. I will skip a few pages now if that's okay. Essentially, I'm gonna get you to go down for me just to page number 13. Yeah. That's the one. Yeah. So, essentially, we had a bit of a look at your super. You're in that discovery menu at the moment, so you do that. Essentially, with the way hub 24 works is it has several layers within the platform. So you have different different super funds within the platform, and they have, like, discovery menu, which is the cheapest option to access, but it has very limited options of availability of funds to invest you in. So when Bart moved you into that prior, it was about making sure you had a lower cost fund and just popping you into a good quality investment product to kinda get your super growing and building within that time frame with the view that as your super built over time, that we could move you into a much more sophisticated super fund and or platform there. Within Hub twenty four, they have access to those more sophisticated menu options, as we call them, or different areas within the Superfund. They have the Discover menu, they have a Core, and they have a Choice. I'm recommending that we move you out of Discover menu and into the Choice menu. This is a very simple process. There's nothing you need to do on the back end. It's just a form. You essentially sign that form and have 24 move everything in the back end. Your super account stays exactly the same from what you can see it as. It's just that in the back end, they open up the menu options, which allows us to invest in a lot more different investment options, if that makes sense. It's all just an administrative thing, essentially. So we are recommending that we move you out of that Discover side of hub twenty four and move you into the full menu there. That opens up, as I mentioned, all the different investment options there for you. Once we have completed that, we will then reinvest your portfolio, and I'll take you through how that will look for you shortly there. There'll be no real changes that you will see on your side of things. You'll have twenty four super account number stays exactly the same. It's just that you will see the investments changing in the back end there. We are still also recommending your super contributions and your salary sacrifice stays the same as well. You did mention you were happy with the level of salary sacrifice there. If you ever find that you wanted to review that level, come back and let me know. We can always definitely reevaluate the level, make sure it's, you know, suiting your cash flow, but making sure it's helping to boost your super down the track there as well. Okay? Excellent. When you do take some time to read it through, essentially, I do have what's called the best interest duties. This is relating the recommendations back to your goals and why we've made those recommendations and how they are in your best interest moving forward for you. So I'll let you go back and have a read through that. There's quite a lot of wording in here, so I'll skip a lot of that to make it easier on you today. Okay. If I can get you to move down for me just to page number 17, I can sort of show you a bit more detail around those recommendations there. Beautiful. So as I kinda mentioned, we are looking to move you out the Discover menu and into the choice menu there. The first column here shows your current balance, which at the moment, your balance is up to 100,044, which is fantastic. It's a lovely increase over the last couple of years there in your super. Within the Discover menu, as I kinda mentioned before, it is a much cheaper menu. It is designed to sorta have for lower balances where you put the money in and try to build your super so as you can move it into those more sophisticated products down the track there. Within the Discover menu, they don't have administration fees. However, you were paying investment fees for the investment products you were in, and they had other fees applicable to the funds. So, like, management fees and things that fit into the other category. Your contributions are just still going in and have been going in nicely. That's including your salary sacrifice, and that's showing net contribution for after the 15% tax has been deducted there, and your insurance premiums have been coming out at that level. You are in that high growth environment there. And as we kind of reassess, it is important to sort of stay in that high growth environment. You are happy with that. Your main sort of goal is to boost your super and build it as much as you possibly can towards your retirement goals there. That high growth environment still suits your time horizon and your risk tolerance and capacity. So remaining there is suitable for the time being. If you ever find that you're a little bit nervous about the ups and downs on what the market is doing, please let me know, and I'll make sure moving forward that we do reassess that with you again down the track. Okay? When we look at what the the previous portfolio was that you've been in, and they're looking at a five year rolling average, because it sort of shows us how this has performed over the past five years, it's averaging about 9.95%, which is not a bad return in any way, shape, or form, and it's really showing to build your super nicely over the last few years there. With updating the recommendation and moving into the choice menu, we are then obviously selling the current investment option and investing your funds into other investments. So we do know that your fund will pay or your super fund will have a capital gains consequence. Your super, just like you, does a tax return every year, and your super fund pays income tax and capital gains tax. On the top line, I have worked out the tax side of things. Your super fund is expected to pay capital gains of $815 in order to make the switch within the investments there. The good news is it doesn't affect you personally, but it does show that the starting once we've made the switch, the expected balance within the super fund is to be $99,229. Do you have any questions about the capital gains side of things or that so far? That's okay. What's what's the main thing that you're not really understanding? I'm happy to break it down more for you. Yeah. No. Yeah. Absolutely. You're absolutely fine. No worries. If anything comes through on Teams that you need to stop for, just tell me. Just say, Dana, stop. That's enough, and I'll stop for you. It's not a problem, please. Essentially, so because we are moving you out of the Discover menu, we're putting you into some different investment options. So we will have to sell down your current investment investment portfolio and move you into the newer investment options. So just like you would be doing if you were to change investments in your own name, your tax on that. Your super fund does pay income tax and capital gains tax for income that's received within the fund and also capital gains on investment switches or changing investments within the fund there. So with our research, by changing the portfolio and I'll show you what that will look like in a moment. But we know that the estimated, capital gains cost for your super fund is $815. So your super is expected to pay $815 in capital gains tax, which means once we've completed the SWIFT, the balance that we expect you to have is 99,229. Does that make sense? Yeah. Yeah. That's all good. You're fine. Honestly, it's not a problem at all. No. You're fine. You're you're fine. Please don't ever hesitate. I love the fact that you're honest, and just break it down. If you miss something or need me to break something down, just let me know. It's all good. Easy. Within the hub 24 choice menu, there is administration fees, investment fees, and any other fees applicable. It does mean, obviously, you are paying a higher administration fee than what you would have in the Discover menu. However, you are saving on investment fees and any other fees menu. However, you are saving on investment fees and any other fees applicable. So when we kind of weigh up the fees, the saving in all the other fees outweigh what you're paying in admin fees. So it actually does work out cheaper to swap the menu and move into this product for you. Okay? Yes. That is separate, but it actually does show you here. So I did speak to Bart about the fee structure afterwards because I went back, and I was like, I'm so sorry. I didn't realize. But what what do you wanna do to help out your sister? And Bart did say that because we normally are 1.65%. He's happy to put you on a lower fee structure, but because I'm looking after things and he does pay me to do my job and we are a professional service, we do have to sort of have that management fee going on. So he has agreed to make it 1.10% there for you. The ongoing service fee is that's per year, so it is deducted in smaller monthly increments out of your super. And if we ever find that there is a reason to turn it off or that the fee shouldn't be deducted or it's not working for you, we will turn them off. But I did go back and I did ask that, and I was very honest and open about it. And he has discounted it for you, so it's 1.10 per annum. Okay. Is that shows no. Well, it does sorta show you it shows you the dollar figure, but I'll take you through and show you the percentage there as well. But on that chart where the recommended column is, if you look at adviser fee adviser service fee, that shows you how much you're expected to pay for our services for the year. So on the balance there, it's $1,219. Yeah. 1.1% based on the balance at the top. Correct. Yeah. It does take in sorry. 1.65%. Yeah. If I work it out roughly So it would be just over, say, $1,700 at 1.65% factoring in growth there as well. So you are sort of saving a bit of money. So if I go yeah. That's 480 odd dollars for the year that you are saving on the ongoing service fee. One of the good things about yeah. One of the good things about this fee as well, just to kinda kinda clarify for you, is that it does sort of fluctuate with the market because it is a percentage based fee. So if we see times the market does take a bit of a dip, your ongoing service fee takes a bit of a there with it as well. So it is linked to the performance of your suit, but we wanna make sure you're making that 1.10% and then getting additional growth there on top of that for you. Okay? Yeah. Excellent. All good. You've got your contributions noted in there as well, the insurance premiums, and then you're still in that high growth environment there. And when we look at the newer portfolio, which I'll take you through in a moment there, it's averaged to higher returns, so 11.71 over the past five years. Now I am really honest and let you know that projection tables are just projection tables. They are based on market conditions, and markets can change gradually over time. So this is sort of showing you if the if the portfolio can achieve what it has over the past five years with all the fees noted above. On the next page, if you scroll down, you can sort of see the projected outcome there. So over the next five to ten years, you can actually see yourself being in a much greater position with the newer portfolio even with the ongoing service fee attached there and with the the fee savings that we're making with the newer portfolio as well. Okay? Yep. Beautiful. We do wanna make sure we readjust things as time goes on. So investments that we're putting into the portfolio now do need to be reevaluated because in, you know, another two, three, or five years' time, we might need to update those again. So investments do need to be reevaluated and checked on regularly, but this can put you in a much greater position. Sorry. You're at okay. No. So I tend to go into most people's accounts, and I have a look at everything generally at least once every sort of two to three months there. So I wanted to sort of see when you would like to do a bit of a catch up. I know it's been probably a little bit of time since we last reviewed things with you. But did you want me to do a catch up with you in, say, six months to see how things are tracking and then maybe your annual review, or what would you like to see? We'll do that? Beautiful. I'll pop it down. So it's a six month catch up there for you. Fantastic. Excellent. Now do you have any questions about the projected outcome there or the table above or anything that you needed me to clarify further there for you at all? That's all good. If I can get you to scroll down for me to the next page, it's page number 19. This is essentially showing you the investments that you'll see your funds invested within. Beautiful. So at the moment, you've got the beta shares dynamic high growth portfolio there. So as I mentioned, we'll sell that down to cash, and then we'll reinvest your funds within the choice menu available to us. Essentially, within that menu menu, sorry, all the green shows the buyers, and so you'll see about 6% invested in some global cybersecurity. We'll also have 9% sitting in the European exposure, so giving you access exposure to all the European countries. You've also got some Japanese exposure, about 5% there. Diversification is really important for making sure we're lowering overall risk and helping to, you know, spread the risk level as much as possible. So the Vanguard or WorldX US investment gives you exposure to the entire globe minus The US market, spreading that risk and diversifying as much as possible. And Vanguard, this investor, is also just a low cost investment, which is great as well. So that doesn't have any US exposure because we have the S and P 500. So giving you access and exposure to the top 500 companies on The US market there, and that's looking at 35% invested in The US. We've also got the BetaShares Rafi a a 200. This is giving you exposures to the top 200 companies on the ASX. We wanna hold Australian exposure there as well, and we'll hold 25% of that for you. Another really good area that we all love is a bit of physical gold. Gold has done very well, continues to do very well. It is a growth investment. So it doesn't earn any income, but it does see growth over time. And gold can also act defensively depending on time frames as well. So if you think back to the GFC or even COVID, people took money out of their investments and put it into gold as a bit of a safe haven. So gold is more of a growth asset, but it can act defensively as well and has been doing very, very well. Most recently has been at some of the thirty year highs. So we wanna keep and hold some significant gold in your portfolio about 7% there for you. Okay? And then in the high growth environment, we still wanna hold a small amount of defensive lower risk investments of things like cash, bonds, and fixed interest. So we're holding the iShares core composite bonds for you. This is about five percent in bonds. Bonds are good for income producing. We want income and dividends to be produced out of these investments that gets paid into your cash account, and then we reinvest that back into your portfolio for compounding effect. And this is giving you exposure to both government and corporate funds as well as notes, and it's also giving you a small amount of international exposure into defensive assets as well, which is kind of cool. That is a lot to go through. Not everyone likes the investment side of things that much. But did you have more questions? Did you want me to delve into any of that a bit deeper for you? That's okay. If you ever did, you're welcome to let me know. But it gives you a nice overview of where you can expect your funds to be invested. The green shows you what we're gonna be buying into, and then the last two columns, the target waiting and target balance, show you where you'll end up with how much roughly you need to investment at the end of it. Okay? Excellent. Down on page number 20, we do also have the cash account side of things. So at the moment within your cash account, you've got about 3% cash there. Realistically, within Hub twenty four, we only wanna hold the minimum cash balance. We want most of your money to be invested within your portfolio working harder for you. So we'll take $1,800 from the cash and reinvest that in the portfolio above, so you'll only hold the minimum cash balance. Okay? Excellent. That is essentially the bulk of the recommendations there. I have also got in there a little stint around making sure that we are continuing the salary sacrifice. You were happy with the salary sacrifice that you were doing and comfortable with that. I am recommending we continue to do so because that will essentially help in building your super long term Part of what, you know, part of yeah. Part of essentially making super work harder is part of the investments, but it's also part of that making additional contributions to super. Essentially, investments can only work so hard on their own, so additional contributions and money being invested in does provide a bit more of a super in growing and building over time. But if you ever decided you wanted to, you know, come back and review that, please do let me know. On page number 22 there, we've outlined a little bit of a a table for you showing the salary sacrifice you are making, how it can sort of affect you, and I've got a best interest duty sort of knowing the benefits of salary sacrificing there for you. Okay? Yep. Yeah. Yes. Mhmm. Yeah. Yep. Mhmm. Yeah. Yeah. Yeah. Yeah. What I yeah. A return. Yeah. No. No. Understandable. So when you sort of think about your taxable income, the salary sacrifice going in reduces how much income tax you pay because the the money is deducted out of your income before your employer works at your salary works at your income tax. However, I have seen it happen in the past that because, obviously, the income tax being deducted is lower, your employer may not be deducting enough to cover the Medicare levy. So when you think about your total assessable income, when you do your tax return, your assessable income that the ATO assessed you on isn't necessarily just minus self tax. They kind of add that back for your total gross assessable income. So it might be that your employer is not paying enough for your Medicare levy to cover that 2%, and then it could also be partly with the money sitting in your bank. Sorry. Yeah. Mhmm. Yeah. Absolutely. Yeah. No. So you yeah. It's a really good question. So having private health care doesn't weigh the Medicare levies as it is. It waives the extra surcharge that you would have to pay if your income is over a certain threshold and you don't have that extra cover. But we all still technically pay 2% Medicare levy for our income. And I have seen it, like because the similar sort of thing happened to my mom recently where she was salary packaging, but the salary packaging, when you sort of weigh up the weigh it altogether, her employer just didn't deduct enough to cover the Medicare levy, and she got a a $600 bill at tax time because she hadn't paid enough and that had to be sort of added up. So you could probably go back to your employer or even did your accountant do your tax return at all? Yep. Yep. So it get you can always go and see an accountant or get them to kind of weigh up and do, like, a mock tax return for you, which sort of estimates what you might have to pay. And they can kind of work out what you need to pay as in, like, the Medicare levy. And just make sure your employer's, you know, withdrawing enough to cover the Medicare levy and the tax side of things. You could also request you're right. Sorry. Yeah. No. Yeah. Yeah. They definitely do, but there have been instances where the employer just hasn't deducted enough over the course of the year. And sometimes salary packaging and salary sacrifice has a little bit of a hand in that. So when you're having that that money taken out pretax, the amount your employer has to deduct for the income tax and the Medicare levy is lower. But then when it all gets added back in at the end of the financial year, the ACO add it up and they go, well, you You could always ask if they just deduct a little bit more, like an extra $5 a week or a fortnight or something just to make sure that they're deducting enough. But the way I would sorta do it is go and see your accountant and just maybe get them to do, you know, do a bit of a mock tax return. Be like, hey. Look. This is what I did last year. This is what I'm doing this year. Can you estimate whether I'm gonna have a bill at the end of the financial year or whether I'm likely to have a bit of a return? Because an accountant can definitely do that for you, and they can help you to look at what sort of what tax you need to maybe increase or whether you need to maybe let your employer know to take a little bit more tax out. But I have seen that happen when it comes to salary sacrificing or salary packaging where it's just not enough to cover the tax or the the Medicare levy, and the people end up with a bill at the end of the day. It could also be because you've earned quite a lot of income from your the cash in the bank as well. It could just be a combination of those sorts of things. But, yeah, I have unfortunately seen that happen quite a lot, and it happened to my mom this year. And when I kind of went back to basics with her, I worked out it was her salary packaging that was causing the problem and that she just didn't pay enough to cover the Medicare levy for that year, and that's where the extra bill came from. Yeah. Yeah. So your employer contributions all get added back into your gross assessable income at tax time, and that all gets added back on to show how much you've actually earned, what your gross income is. And they work out for everything you've earned is your gross, and then you've got your deductions, how much tax you've paid, and that shows your net, and they kind of work out whether you owe a bill from there or not. So it's a little bit complex the way that the ACO do it. It's definitely not fair because you think you're doing the right thing. But I have unfortunately seen it occur the way the way it's happened for you. So it's definitely something I would talk to your accountant about. Yeah. Yeah. Yeah. That's stressful. Yeah. Correct. Yeah. No. No. No. Mhmm. That's, yeah, that's correct. Yeah. So the Medicare levy to 2%, that covers the cost of running and looking after Medicare. So whilst we assume we get the health care for free, we technically don't. We all pay for it as part of our tax. Yep. Yep. Yep. Yep. Yep. Yep. It's crazy. Yeah. Yeah. No. I agree. Yeah. I agree with you on that one. Absolutely. My son doesn't get bulk billed for Medicare for a doctor's appointments anymore. I have to pay a full for him and then claim it back, and it costs a $100 to take him for a fifteen minute doctor's appointment. It's pretty expensive. Horrible, isn't it? We don't get much back. So I understand your pain. It's not not very fair. They tax us and see us coming on absolutely everything. Yep. It's completely up to you. The last sort of sections there are just about making sure that you do seek the services of a solicitor and update your will, power of attorneys, and things like that. Just making sure all of those documents are up to date and and relevant there for you. I also just wanted to direct you down to, if you can, to page number 32, and this just outlines that remuneration side of things. So remember I talked about the ongoing service fee, but did you a solid and reduced it down to 1.10% there for you. And this page shows you that percentage so you can see it nice and clearly, and it shows as per the above table that we expected to be $1,219 for the year there. Okay? Okay? Excellent. Underneath that, we just like to be open and clear with everything. So because you've got your Zurich insurance policy, we do receive we can see the policy. It is sort of looked after by us as well where the adviser's noted on the policy. So we do receive remuneration on that. We do receive 22% ongoing per year for the premiums there. We just like to be open and disclose that to you so you're fully aware, but it has no effect on my recommendations. We're retaining that policy and keeping it as it is because it suited your needs at the moment, but we will review that moving down the track. And should you wanna make alterations or change the policy, we will. It'll be all about your goals and what's right for you and in your best interest. It'll have nothing to do with remuneration side of things for me. So I don't receive any of that. That goes to the company, and I receive a wage for doing what I do. So, I just like to be open and honest and clear with you and show you that so you're fully aware. Okay? Excellent. So you're welcome to take it back and have a good read to the document if you would like to. If you're happy to sign to take on the recommendations, you're more than welcome to as well. It's completely up to you. Once you've signed this document, the next document it does take you to is the ongoing service agreement for this next twelve months there. And by signing that document, you are agreeing to the ongoing service fee and the percentage of 1.10%. Okay? Excellent. Oh, yeah. You're right. Yep. And that's the one, and it will give you an option. It should bring up a signature if you're happy for it to just prepopulate for you. Yep. Next. Beautiful. Yep. Perfect. Yep. That makes sense. Yeah. I always thought with this system when it says sign all, it should just automatically sign all, but it's sort of one document at a time. Let's wonderful. Thank you so much for that. You will have a copy there that you can download if you would like to. And if you do need a copy, my team are more than welcome are more than happy to also email you through a copy there as well. But thank you so much for your time today. I've really enjoyed putting this together for you. We'll do a catch up in six months to see how things are tracking there for you. And if you find you have any questions or need anything in the meantime, please let me know. I'm more than happy to make extra time to follow-up and see how everything's tracking for you. Okay? Thank thank you so much for your time. I hope you enjoy your day. I hope your son has fun at his transition day. Well, Dave. Thanks, Camilla. See you later. 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Camilla. This is Dana from Oku Financial. How are you today? That's good. I had you booked in just to go through your updated statement of advice.\n\nIs now still a good time there for you? Fantastic. I do have the document to send through to you there as well. Are you able to access your emails at the moment at all? Fantastic.\n\nI'll just send that one through to you. Just while it is coming through, I do have to let you know we do record our calls for quality and training purposes. Are you happy with me proceeding with that moving forward? Fantastic. And just to do a quick security check there for you as well, just because we are discussing your personal information, I'll just get to confirm your full name, your date of birth, and address I should have on file.\n\nYep. Yep. The full name, address, and date of birth. So sorry. Yep.\n\nBeautiful. Thank you so much for that. Sorry about that confusion there. How's your day been so far? Oh, are you getting lunch break soon, or you're having a bit of a break shortly, or is this it?\n\nYeah. Yeah. Yep. Yep. Trying to get it all done.\n\nUnderstandable. No. All good. Well, I'll try not to take up too much of your time. I'll run through the areas that we need to with regards to your advice.\n\nJust touch on other recommendations, and then you'll be able to go back and have a good look at the document there as well. If you find you have any additional questions, you're welcome to let me know. Okay? Fantastic. Now has that email come through to you there at all as of yet?\n\nThat's okay. You're fine. Fantastic. So if you just open the email yeah. If you press the sign button, it'll move forward so you can view the document.\n\nI don't ever want you to sign anything you haven't read, so we'll go through it prior to it allowing you to sign. Yep. So when you go forward, it should show you the next page there, which says statement of advice prepared for yourself as of the 08/25/2026. Is that what you can see? Yep.\n\nSorry. You're a couple of pages down, but that's absolutely fine. On the very front page, it sort of dropped you down a few pages there, but it does have all my authorized representative license number. So I'm a licensed adviser, and my representative number is 1304394. That's all good.\n\nThe next page as you are scrolling through has the best interest duty, and that's just letting you know that any advice we do provide is done under the best interest duty. So it's making sure that we understand all of your circumstances to the fullest and making sure we understand your goals, that any advice is provided to assist you in meeting your goals moving forward there. Okay? The the page you were looking at just before there was the scoping in and out section. So that's essentially focusing on areas that we are and are not looking at advice with regard to this advice document for you.\n\nSo the areas that we are scoping in or looking at with the recommendations are superannuation. I've got a bit of a state planning there for you as well. And then we've also, just as a limited scope, considered the insurance aspect. So we weren't changing anything with the insurances, but we are scoping them into an extent that they are paid out of super. So it does have an effect on your super, and we've incorporated that into the projections for you.\n\nOkay? Beautiful. On page number five, it has the areas that we're not looking at new advice for. So income protection and trauma has been scoped out of this. If you wanted to look at additional recommendations about insurances, we can come back and have that conversation at a later time there with you.\n\nAnd we're also not scoping in the retirement income needs as of yet. So you're a little over ten years away there from being able to access super as per your goal. So we are essentially just not focusing on the building of your super and what to do now to help it increase and build over time. When you get closer to accessing your super, then we'll certainly look at, you know, the drawing down the retirement aspect and what that looks like for you. Okay?\n\nAnd estate planning has been both scoped in and out because there are different stages to it. So we're scoping in just looking at making sure you've got a will and power of attorney updated to make sure they reflect your current wishes. We are scoping out estate planning with the side of the beneficiary nominations. So you have those in place. You confirm that you were comfortable with how your beneficiary nominations were set up.\n\nSo we're scoping scoping that side of it out for you. Okay? Beautiful. I will skip a few pages now if that's okay. Essentially, I'm gonna get you to go down for me just to page number 13.\n\nYeah. That's the one. Yeah. So, essentially, we had a bit of a look at your super. You're in that discovery menu at the moment, so you do that.\n\nEssentially, with the way hub 24 works is it has several layers within the platform. So you have different different super funds within the platform, and they have, like, discovery menu, which is the cheapest option to access, but it has very limited options of availability of funds to invest you in. So when Bart moved you into that prior, it was about making sure you had a lower cost fund and just popping you into a good quality investment product to kinda get your super growing and building within that time frame with the view that as your super built over time, that we could move you into a much more sophisticated super fund and or platform there. Within Hub twenty four, they have access to those more sophisticated menu options, as we call them, or different areas within the Superfund. They have the Discover menu, they have a Core, and they have a Choice.\n\nI'm recommending that we move you out of Discover menu and into the Choice menu. This is a very simple process. There's nothing you need to do on the back end. It's just a form. You essentially sign that form and have 24 move everything in the back end.\n\nYour super account stays exactly the same from what you can see it as. It's just that in the back end, they open up the menu options, which allows us to invest in a lot more different investment options, if that makes sense. It's all just an administrative thing, essentially. So we are recommending that we move you out of that Discover side of hub twenty four and move you into the full menu there. That opens up, as I mentioned, all the different investment options there for you.\n\nOnce we have completed that, we will then reinvest your portfolio, and I'll take you through how that will look for you shortly there. There'll be no real changes that you will see on your side of things. You'll have twenty four super account number stays exactly the same. It's just that you will see the investments changing in the back end there. We are still also recommending your super contributions and your salary sacrifice stays the same as well.\n\nYou did mention you were happy with the level of salary sacrifice there. If you ever find that you wanted to review that level, come back and let me know. We can always definitely reevaluate the level, make sure it's, you know, suiting your cash flow, but making sure it's helping to boost your super down the track there as well. Okay? Excellent.\n\nWhen you do take some time to read it through, essentially, I do have what's called the best interest duties. This is relating the recommendations back to your goals and why we've made those recommendations and how they are in your best interest moving forward for you. So I'll let you go back and have a read through that. There's quite a lot of wording in here, so I'll skip a lot of that to make it easier on you today. Okay.\n\nIf I can get you to move down for me just to page number 17, I can sort of show you a bit more detail around those recommendations there. Beautiful. So as I kinda mentioned, we are looking to move you out the Discover menu and into the choice menu there. The first column here shows your current balance, which at the moment, your balance is up to 100,044, which is fantastic. It's a lovely increase over the last couple of years there in your super.\n\nWithin the Discover menu, as I kinda mentioned before, it is a much cheaper menu. It is designed to sorta have for lower balances where you put the money in and try to build your super so as you can move it into those more sophisticated products down the track there. Within the Discover menu, they don't have administration fees. However, you were paying investment fees for the investment products you were in, and they had other fees applicable to the funds. So, like, management fees and things that fit into the other category.\n\nYour contributions are just still going in and have been going in nicely. That's including your salary sacrifice, and that's showing net contribution for after the 15% tax has been deducted there, and your insurance premiums have been coming out at that level. You are in that high growth environment there. And as we kind of reassess, it is important to sort of stay in that high growth environment. You are happy with that.\n\nYour main sort of goal is to boost your super and build it as much as you possibly can towards your retirement goals there. That high growth environment still suits your time horizon and your risk tolerance and capacity. So remaining there is suitable for the time being. If you ever find that you're a little bit nervous about the ups and downs on what the market is doing, please let me know, and I'll make sure moving forward that we do reassess that with you again down the track. Okay?\n\nWhen we look at what the the previous portfolio was that you've been in, and they're looking at a five year rolling average, because it sort of shows us how this has performed over the past five years, it's averaging about 9.95%, which is not a bad return in any way, shape, or form, and it's really showing to build your super nicely over the last few years there. With updating the recommendation and moving into the choice menu, we are then obviously selling the current investment option and investing your funds into other investments. So we do know that your fund will pay or your super fund will have a capital gains consequence. Your super, just like you, does a tax return every year, and your super fund pays income tax and capital gains tax. On the top line, I have worked out the tax side of things.\n\nYour super fund is expected to pay capital gains of $815 in order to make the switch within the investments there. The good news is it doesn't affect you personally, but it does show that the starting once we've made the switch, the expected balance within the super fund is to be $99,229. Do you have any questions about the capital gains side of things or that so far? That's okay. What's what's the main thing that you're not really understanding?\n\nI'm happy to break it down more for you. Yeah. No. Yeah. Absolutely.\n\nYou're absolutely fine. No worries. If anything comes through on Teams that you need to stop for, just tell me. Just say, Dana, stop. That's enough, and I'll stop for you.\n\nIt's not a problem, please. Essentially, so because we are moving you out of the Discover menu, we're putting you into some different investment options. So we will have to sell down your current investment investment portfolio and move you into the newer investment options. So just like you would be doing if you were to change investments in your own name, your tax on that. Your super fund does pay income tax and capital gains tax for income that's received within the fund and also capital gains on investment switches or changing investments within the fund there.\n\nSo with our research, by changing the portfolio and I'll show you what that will look like in a moment. But we know that the estimated, capital gains cost for your super fund is $815. So your super is expected to pay $815 in capital gains tax, which means once we've completed the SWIFT, the balance that we expect you to have is 99,229. Does that make sense? Yeah.\n\nYeah. That's all good. You're fine. Honestly, it's not a problem at all. No.\n\nYou're fine. You're you're fine. Please don't ever hesitate. I love the fact that you're honest, and just break it down. If you miss something or need me to break something down, just let me know.\n\nIt's all good. Easy. Within the hub 24 choice menu, there is administration fees, investment fees, and any other fees applicable. It does mean, obviously, you are paying a higher administration fee than what you would have in the Discover menu. However, you are saving on investment fees and any other fees menu.\n\nHowever, you are saving on investment fees and any other fees applicable. So when we kind of weigh up the fees, the saving in all the other fees outweigh what you're paying in admin fees. So it actually does work out cheaper to swap the menu and move into this product for you. Okay? Yes.\n\nThat is separate, but it actually does show you here. So I did speak to Bart about the fee structure afterwards because I went back, and I was like, I'm so sorry. I didn't realize. But what what do you wanna do to help out your sister? And Bart did say that because we normally are 1.65%.\n\nHe's happy to put you on a lower fee structure, but because I'm looking after things and he does pay me to do my job and we are a professional service, we do have to sort of have that management fee going on. So he has agreed to make it 1.10% there for you. The ongoing service fee is that's per year, so it is deducted in smaller monthly increments out of your super. And if we ever find that there is a reason to turn it off or that the fee shouldn't be deducted or it's not working for you, we will turn them off. But I did go back and I did ask that, and I was very honest and open about it.\n\nAnd he has discounted it for you, so it's 1.10 per annum. Okay. Is that shows no. Well, it does sorta show you it shows you the dollar figure, but I'll take you through and show you the percentage there as well. But on that chart where the recommended column is, if you look at adviser fee adviser service fee, that shows you how much you're expected to pay for our services for the year.\n\nSo on the balance there, it's $1,219. Yeah. 1.1% based on the balance at the top. Correct. Yeah.\n\nIt does take in sorry. 1.65%. Yeah. If I work it out roughly So it would be just over, say, $1,700 at 1.65% factoring in growth there as well. So you are sort of saving a bit of money.\n\nSo if I go yeah. That's 480 odd dollars for the year that you are saving on the ongoing service fee. One of the good things about yeah. One of the good things about this fee as well, just to kinda kinda clarify for you, is that it does sort of fluctuate with the market because it is a percentage based fee. So if we see times the market does take a bit of a dip, your ongoing service fee takes a bit of a there with it as well.\n\nSo it is linked to the performance of your suit, but we wanna make sure you're making that 1.10% and then getting additional growth there on top of that for you. Okay? Yeah. Excellent. All good.\n\nYou've got your contributions noted in there as well, the insurance premiums, and then you're still in that high growth environment there. And when we look at the newer portfolio, which I'll take you through in a moment there, it's averaged to higher returns, so 11.71 over the past five years. Now I am really honest and let you know that projection tables are just projection tables. They are based on market conditions, and markets can change gradually over time. So this is sort of showing you if the if the portfolio can achieve what it has over the past five years with all the fees noted above.\n\nOn the next page, if you scroll down, you can sort of see the projected outcome there. So over the next five to ten years, you can actually see yourself being in a much greater position with the newer portfolio even with the ongoing service fee attached there and with the the fee savings that we're making with the newer portfolio as well. Okay? Yep. Beautiful.\n\nWe do wanna make sure we readjust things as time goes on. So investments that we're putting into the portfolio now do need to be reevaluated because in, you know, another two, three, or five years' time, we might need to update those again. So investments do need to be reevaluated and checked on regularly, but this can put you in a much greater position. Sorry. You're at okay.\n\nNo. So I tend to go into most people's accounts, and I have a look at everything generally at least once every sort of two to three months there. So I wanted to sort of see when you would like to do a bit of a catch up. I know it's been probably a little bit of time since we last reviewed things with you. But did you want me to do a catch up with you in, say, six months to see how things are tracking and then maybe your annual review, or what would you like to see?\n\nWe'll do that? Beautiful. I'll pop it down. So it's a six month catch up there for you. Fantastic.\n\nExcellent. Now do you have any questions about the projected outcome there or the table above or anything that you needed me to clarify further there for you at all? That's all good. If I can get you to scroll down for me to the next page, it's page number 19. This is essentially showing you the investments that you'll see your funds invested within.\n\nBeautiful. So at the moment, you've got the beta shares dynamic high growth portfolio there. So as I mentioned, we'll sell that down to cash, and then we'll reinvest your funds within the choice menu available to us. Essentially, within that menu menu, sorry, all the green shows the buyers, and so you'll see about 6% invested in some global cybersecurity. We'll also have 9% sitting in the European exposure, so giving you access exposure to all the European countries.\n\nYou've also got some Japanese exposure, about 5% there. Diversification is really important for making sure we're lowering overall risk and helping to, you know, spread the risk level as much as possible. So the Vanguard or WorldX US investment gives you exposure to the entire globe minus The US market, spreading that risk and diversifying as much as possible. And Vanguard, this investor, is also just a low cost investment, which is great as well. So that doesn't have any US exposure because we have the S and P 500.\n\nSo giving you access and exposure to the top 500 companies on The US market there, and that's looking at 35% invested in The US. We've also got the BetaShares Rafi a a 200. This is giving you exposures to the top 200 companies on the ASX. We wanna hold Australian exposure there as well, and we'll hold 25% of that for you. Another really good area that we all love is a bit of physical gold.\n\nGold has done very well, continues to do very well. It is a growth investment. So it doesn't earn any income, but it does see growth over time. And gold can also act defensively depending on time frames as well. So if you think back to the GFC or even COVID, people took money out of their investments and put it into gold as a bit of a safe haven.\n\nSo gold is more of a growth asset, but it can act defensively as well and has been doing very, very well. Most recently has been at some of the thirty year highs. So we wanna keep and hold some significant gold in your portfolio about 7% there for you. Okay? And then in the high growth environment, we still wanna hold a small amount of defensive lower risk investments of things like cash, bonds, and fixed interest.\n\nSo we're holding the iShares core composite bonds for you. This is about five percent in bonds. Bonds are good for income producing. We want income and dividends to be produced out of these investments that gets paid into your cash account, and then we reinvest that back into your portfolio for compounding effect. And this is giving you exposure to both government and corporate funds as well as notes, and it's also giving you a small amount of international exposure into defensive assets as well, which is kind of cool.\n\nThat is a lot to go through. Not everyone likes the investment side of things that much. But did you have more questions? Did you want me to delve into any of that a bit deeper for you? That's okay.\n\nIf you ever did, you're welcome to let me know. But it gives you a nice overview of where you can expect your funds to be invested. The green shows you what we're gonna be buying into, and then the last two columns, the target waiting and target balance, show you where you'll end up with how much roughly you need to investment at the end of it. Okay? Excellent.\n\nDown on page number 20, we do also have the cash account side of things. So at the moment within your cash account, you've got about 3% cash there. Realistically, within Hub twenty four, we only wanna hold the minimum cash balance. We want most of your money to be invested within your portfolio working harder for you. So we'll take $1,800 from the cash and reinvest that in the portfolio above, so you'll only hold the minimum cash balance.\n\nOkay? Excellent. That is essentially the bulk of the recommendations there. I have also got in there a little stint around making sure that we are continuing the salary sacrifice. You were happy with the salary sacrifice that you were doing and comfortable with that.\n\nI am recommending we continue to do so because that will essentially help in building your super long term Part of what, you know, part of yeah. Part of essentially making super work harder is part of the investments, but it's also part of that making additional contributions to super. Essentially, investments can only work so hard on their own, so additional contributions and money being invested in does provide a bit more of a super in growing and building over time. But if you ever decided you wanted to, you know, come back and review that, please do let me know. On page number 22 there, we've outlined a little bit of a a table for you showing the salary sacrifice you are making, how it can sort of affect you, and I've got a best interest duty sort of knowing the benefits of salary sacrificing there for you.\n\nOkay? Yep. Yeah. Yes. Mhmm.\n\nYeah. Yep. Mhmm. Yeah. Yeah.\n\nYeah. Yeah. What I yeah. A return. Yeah.\n\nNo. No. Understandable. So when you sort of think about your taxable income, the salary sacrifice going in reduces how much income tax you pay because the the money is deducted out of your income before your employer works at your salary works at your income tax. However, I have seen it happen in the past that because, obviously, the income tax being deducted is lower, your employer may not be deducting enough to cover the Medicare levy.\n\nSo when you think about your total assessable income, when you do your tax return, your assessable income that the ATO assessed you on isn't necessarily just minus self tax. They kind of add that back for your total gross assessable income. So it might be that your employer is not paying enough for your Medicare levy to cover that 2%, and then it could also be partly with the money sitting in your bank. Sorry. Yeah.\n\nMhmm. Yeah. Absolutely. Yeah. No.\n\nSo you yeah. It's a really good question. So having private health care doesn't weigh the Medicare levies as it is. It waives the extra surcharge that you would have to pay if your income is over a certain threshold and you don't have that extra cover. But we all still technically pay 2% Medicare levy for our income.\n\nAnd I have seen it, like because the similar sort of thing happened to my mom recently where she was salary packaging, but the salary packaging, when you sort of weigh up the weigh it altogether, her employer just didn't deduct enough to cover the Medicare levy, and she got a a $600 bill at tax time because she hadn't paid enough and that had to be sort of added up. So you could probably go back to your employer or even did your accountant do your tax return at all? Yep. Yep. So it get you can always go and see an accountant or get them to kind of weigh up and do, like, a mock tax return for you, which sort of estimates what you might have to pay.\n\nAnd they can kind of work out what you need to pay as in, like, the Medicare levy. And just make sure your employer's, you know, withdrawing enough to cover the Medicare levy and the tax side of things. You could also request you're right. Sorry. Yeah.\n\nNo. Yeah. Yeah. They definitely do, but there have been instances where the employer just hasn't deducted enough over the course of the year. And sometimes salary packaging and salary sacrifice has a little bit of a hand in that.\n\nSo when you're having that that money taken out pretax, the amount your employer has to deduct for the income tax and the Medicare levy is lower. But then when it all gets added back in at the end of the financial year, the ACO add it up and they go, well, you You could always ask if they just deduct a little bit more, like an extra $5 a week or a fortnight or something just to make sure that they're deducting enough. But the way I would sorta do it is go and see your accountant and just maybe get them to do, you know, do a bit of a mock tax return. Be like, hey. Look.\n\nThis is what I did last year. This is what I'm doing this year. Can you estimate whether I'm gonna have a bill at the end of the financial year or whether I'm likely to have a bit of a return? Because an accountant can definitely do that for you, and they can help you to look at what sort of what tax you need to maybe increase or whether you need to maybe let your employer know to take a little bit more tax out. But I have seen that happen when it comes to salary sacrificing or salary packaging where it's just not enough to cover the tax or the the Medicare levy, and the people end up with a bill at the end of the day.\n\nIt could also be because you've earned quite a lot of income from your the cash in the bank as well. It could just be a combination of those sorts of things. But, yeah, I have unfortunately seen that happen quite a lot, and it happened to my mom this year. And when I kind of went back to basics with her, I worked out it was her salary packaging that was causing the problem and that she just didn't pay enough to cover the Medicare levy for that year, and that's where the extra bill came from. Yeah.\n\nYeah. So your employer contributions all get added back into your gross assessable income at tax time, and that all gets added back on to show how much you've actually earned, what your gross income is. And they work out for everything you've earned is your gross, and then you've got your deductions, how much tax you've paid, and that shows your net, and they kind of work out whether you owe a bill from there or not. So it's a little bit complex the way that the ACO do it. It's definitely not fair because you think you're doing the right thing.\n\nBut I have unfortunately seen it occur the way the way it's happened for you. So it's definitely something I would talk to your accountant about. Yeah. Yeah. Yeah.\n\nThat's stressful. Yeah. Correct. Yeah. No.\n\nNo. No. Mhmm. That's, yeah, that's correct. Yeah.\n\nSo the Medicare levy to 2%, that covers the cost of running and looking after Medicare. So whilst we assume we get the health care for free, we technically don't. We all pay for it as part of our tax. Yep. Yep.\n\nYep. Yep. Yep. Yep. It's crazy.\n\nYeah. Yeah. No. I agree. Yeah.\n\nI agree with you on that one. Absolutely. My son doesn't get bulk billed for Medicare for a doctor's appointments anymore. I have to pay a full for him and then claim it back, and it costs a $100 to take him for a fifteen minute doctor's appointment. It's pretty expensive.\n\nHorrible, isn't it? We don't get much back. So I understand your pain. It's not not very fair. They tax us and see us coming on absolutely everything.\n\nYep. It's completely up to you. The last sort of sections there are just about making sure that you do seek the services of a solicitor and update your will, power of attorneys, and things like that. Just making sure all of those documents are up to date and and relevant there for you. I also just wanted to direct you down to, if you can, to page number 32, and this just outlines that remuneration side of things.\n\nSo remember I talked about the ongoing service fee, but did you a solid and reduced it down to 1.10% there for you. And this page shows you that percentage so you can see it nice and clearly, and it shows as per the above table that we expected to be $1,219 for the year there. Okay? Okay? Excellent.\n\nUnderneath that, we just like to be open and clear with everything. So because you've got your Zurich insurance policy, we do receive we can see the policy. It is sort of looked after by us as well where the adviser's noted on the policy. So we do receive remuneration on that. We do receive 22% ongoing per year for the premiums there.\n\nWe just like to be open and disclose that to you so you're fully aware, but it has no effect on my recommendations. We're retaining that policy and keeping it as it is because it suited your needs at the moment, but we will review that moving down the track. And should you wanna make alterations or change the policy, we will. It'll be all about your goals and what's right for you and in your best interest. It'll have nothing to do with remuneration side of things for me.\n\nSo I don't receive any of that. That goes to the company, and I receive a wage for doing what I do. So, I just like to be open and honest and clear with you and show you that so you're fully aware. Okay? Excellent.\n\nSo you're welcome to take it back and have a good read to the document if you would like to. If you're happy to sign to take on the recommendations, you're more than welcome to as well. It's completely up to you. Once you've signed this document, the next document it does take you to is the ongoing service agreement for this next twelve months there. And by signing that document, you are agreeing to the ongoing service fee and the percentage of 1.10%.\n\nOkay? Excellent. Oh, yeah. You're right. Yep.\n\nAnd that's the one, and it will give you an option. It should bring up a signature if you're happy for it to just prepopulate for you. Yep. Next. Beautiful.\n\nYep. Perfect. Yep. That makes sense. Yeah.\n\nI always thought with this system when it says sign all, it should just automatically sign all, but it's sort of one document at a time. Let's wonderful. Thank you so much for that. You will have a copy there that you can download if you would like to. And if you do need a copy, my team are more than welcome are more than happy to also email you through a copy there as well.\n\nBut thank you so much for your time today. I've really enjoyed putting this together for you. We'll do a catch up in six months to see how things are tracking there for you. And if you find you have any questions or need anything in the meantime, please let me know. I'm more than happy to make extra time to follow-up and see how everything's tracking for you.\n\nOkay? Thank thank you so much for your time. I hope you enjoy your day. I hope your son has fun at his transition day. Well, Dave.\n\nThanks, Camilla. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Camilla.","start":3.4399998,"end":4.16,"sentiment":"neutral","sentiment_score":0.15681081265211105},{"text":"This is Dana from Oku Financial.","start":4.16,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.1703719968597094},{"text":"How are you today?","start":5.8399997,"end":6.8199997,"sentiment":"neutral","sentiment_score":0.22832097113132477},{"text":"That's good.","start":8.559999,"end":9.2,"sentiment":"positive","sentiment_score":0.7009665966033936},{"text":"I had you booked in just to go through your updated statement of advice.","start":9.2,"end":12.0,"sentiment":"positive","sentiment_score":0.38073333884988514}],"sentiment":"neutral","sentiment_score":0.3207620510033199,"num_words":28,"start":3.4399998,"end":12.0},{"sentences":[{"text":"Is now still a good time there for you?","start":12.0,"end":13.94,"sentiment":"positive","sentiment_score":0.3501672115590837},{"text":"Fantastic.","start":16.215,"end":16.715,"sentiment":"positive","sentiment_score":0.6924899220466614},{"text":"I do have the document to send through to you there as well.","start":17.015,"end":19.975,"sentiment":"positive","sentiment_score":0.35184817818494946},{"text":"Are you able to access your emails at the moment at all?","start":19.975,"end":22.795,"sentiment":"neutral","sentiment_score":0.13360017786423364},{"text":"Fantastic.","start":24.535,"end":25.035,"sentiment":"positive","sentiment_score":0.48807018995285034}],"sentiment":"neutral","sentiment_score":0.2919248185224003,"num_words":36,"start":12.0,"end":25.035},{"sentences":[{"text":"I'll just send that one through to you.","start":25.175,"end":27.275002,"sentiment":"positive","sentiment_score":0.36178602278232574},{"text":"Just while it is coming through, I do have to let you know we do record our calls for quality and training purposes.","start":27.654999,"end":32.39,"sentiment":"neutral","sentiment_score":0.2483392850212429},{"text":"Are you happy with me proceeding with that moving forward?","start":32.39,"end":34.97,"sentiment":"positive","sentiment_score":0.3649081587791443},{"text":"Fantastic.","start":36.79,"end":37.29,"sentiment":"positive","sentiment_score":0.4620751738548279},{"text":"And just to do a quick security check there for you as well, just because we are discussing your personal information, I'll just get to confirm your full name, your date of birth, and address I should have on file.","start":37.51,"end":46.675,"sentiment":"neutral","sentiment_score":0.19315692018717528}],"sentiment":"neutral","sentiment_score":0.24931128423024967,"num_words":82,"start":25.175,"end":46.675},{"sentences":[{"text":"Yep.","start":49.055,"end":49.555,"sentiment":"neutral","sentiment_score":0.02718454599380493},{"text":"Yep.","start":53.775,"end":54.275,"sentiment":"neutral","sentiment_score":0.013561321422457697},{"text":"The full name, address, and date of birth.","start":57.0,"end":59.079998,"sentiment":"neutral","sentiment_score":0.01799525017850101},{"text":"So sorry.","start":59.079998,"end":59.82,"sentiment":"neutral","sentiment_score":-0.010698116384446621},{"text":"Yep.","start":63.96,"end":64.46,"sentiment":"neutral","sentiment_score":0.02876197174191475}],"sentiment":"neutral","sentiment_score":0.014774892909022478,"num_words":13,"start":49.055,"end":64.46},{"sentences":[{"text":"Beautiful.","start":67.24,"end":67.72,"sentiment":"positive","sentiment_score":0.3713432550430298},{"text":"Thank you so much for that.","start":67.72,"end":69.0,"sentiment":"positive","sentiment_score":0.42619872589906055},{"text":"Sorry about that confusion there.","start":69.0,"end":70.605,"sentiment":"neutral","sentiment_score":-0.0856880322098732},{"text":"How's your day been so far?","start":72.285,"end":73.985,"sentiment":"neutral","sentiment_score":0.008941140801956257},{"text":"Oh, are you getting lunch break soon, or you're having a bit of a break shortly, or is this it?","start":77.325005,"end":82.145004,"sentiment":"neutral","sentiment_score":-0.0331338994204998}],"sentiment":"neutral","sentiment_score":0.04976485015236234,"num_words":38,"start":67.24,"end":82.145004},{"sentences":[{"text":"Yeah.","start":85.299995,"end":85.799995,"sentiment":"neutral","sentiment_score":0.00003130920231342316},{"text":"Yeah.","start":93.06,"end":93.56,"sentiment":"neutral","sentiment_score":-0.012176783755421638},{"text":"Yep.","start":93.78,"end":94.28,"sentiment":"neutral","sentiment_score":-0.025613442063331604},{"text":"Yep.","start":99.405,"end":99.905,"sentiment":"neutral","sentiment_score":0.03023211471736431},{"text":"Trying to get it all done.","start":105.085,"end":106.525,"sentiment":"neutral","sentiment_score":0.07322394102811813}],"sentiment":"neutral","sentiment_score":0.04318168442696333,"num_words":10,"start":85.299995,"end":106.525},{"sentences":[{"text":"Understandable.","start":106.525,"end":107.025,"sentiment":"neutral","sentiment_score":0.03189241141080856},{"text":"No.","start":108.58,"end":108.82,"sentiment":"neutral","sentiment_score":-0.08018949627876282},{"text":"All good.","start":108.82,"end":109.14,"sentiment":"neutral","sentiment_score":0.005193572491407394},{"text":"Well, I'll try not to take up too much of your time.","start":109.14,"end":111.14,"sentiment":"neutral","sentiment_score":-0.0640009871373574},{"text":"I'll run through the areas that we need to with regards to your advice.","start":111.14,"end":114.1,"sentiment":"neutral","sentiment_score":0.02933480537363461}],"sentiment":"neutral","sentiment_score":-0.013174483676751454,"num_words":30,"start":106.525,"end":114.1},{"sentences":[{"text":"Just touch on other recommendations, and then you'll be able to go back and have a good look at the document there as well.","start":114.1,"end":119.54,"sentiment":"neutral","sentiment_score":0.24363802000880241},{"text":"If you find you have any additional questions, you're welcome to let me know.","start":119.54,"end":122.979996,"sentiment":"neutral","sentiment_score":0.26780753902026583},{"text":"Okay?","start":122.979996,"end":123.479996,"sentiment":"neutral","sentiment_score":0.236660897731781},{"text":"Fantastic.","start":125.435,"end":125.935,"sentiment":"positive","sentiment_score":0.6373291015625},{"text":"Now has that email come through to you there at all as of yet?","start":126.155,"end":129.455,"sentiment":"neutral","sentiment_score":0.2788530109184129}],"sentiment":"neutral","sentiment_score":0.2661953736786489,"num_words":54,"start":114.1,"end":129.455},{"sentences":[{"text":"That's okay.","start":131.915,"end":132.795,"sentiment":"neutral","sentiment_score":0.2537100911140442},{"text":"You're fine.","start":132.795,"end":133.535,"sentiment":"neutral","sentiment_score":0.32113461196422577},{"text":"Fantastic.","start":135.435,"end":135.935,"sentiment":"positive","sentiment_score":0.6369326114654541},{"text":"So if you just open the email yeah.","start":136.62,"end":138.7,"sentiment":"neutral","sentiment_score":0.2526778932660818},{"text":"If you press the sign button, it'll move forward so you can view the document.","start":138.7,"end":142.14,"sentiment":"neutral","sentiment_score":0.22031730363766353}],"sentiment":"neutral","sentiment_score":0.25402873993984293,"num_words":28,"start":131.915,"end":142.14},{"sentences":[{"text":"I don't ever want you to sign anything you haven't read, so we'll go through it prior to it allowing you to sign.","start":142.14,"end":147.28,"sentiment":"neutral","sentiment_score":-0.037970242131015526},{"text":"Yep.","start":149.42,"end":149.775,"sentiment":"neutral","sentiment_score":0.07242193818092346},{"text":"So when you go forward, it should show you the next page there, which says statement of advice prepared for yourself as of the 08/25/2026.","start":149.855,"end":157.135,"sentiment":"neutral","sentiment_score":0.08236411511898041},{"text":"Is that what you can see?","start":157.135,"end":158.515,"sentiment":"neutral","sentiment_score":0.04069445344309012},{"text":"Yep.","start":162.33499,"end":162.575,"sentiment":"neutral","sentiment_score":0.05213770270347595}],"sentiment":"neutral","sentiment_score":0.02775917268757309,"num_words":56,"start":142.14,"end":162.575},{"sentences":[{"text":"Sorry.","start":162.575,"end":162.81499,"sentiment":"neutral","sentiment_score":-0.006548050791025162},{"text":"You're a couple of pages down, but that's absolutely fine.","start":162.81499,"end":165.635,"sentiment":"neutral","sentiment_score":0.036304965242743494},{"text":"On the very front page, it sort of dropped you down a few pages there, but it does have all my authorized representative license number.","start":166.71,"end":173.67,"sentiment":"neutral","sentiment_score":0.10715264335274696},{"text":"So I'm a licensed adviser, and my representative number is 1304394.","start":173.67,"end":178.39,"sentiment":"neutral","sentiment_score":0.13229874521493912},{"text":"That's all good.","start":178.39,"end":179.45,"sentiment":"positive","sentiment_score":0.5742121736208597}],"sentiment":"neutral","sentiment_score":0.12426480807363988,"num_words":50,"start":162.575,"end":179.45},{"sentences":[{"text":"The next page as you are scrolling through has the best interest duty, and that's just letting you know that any advice we do provide is done under the best interest duty.","start":181.11,"end":188.385,"sentiment":"neutral","sentiment_score":0.13513909908942878},{"text":"So it's making sure that we understand all of your circumstances to the fullest and making sure we understand your goals, that any advice is provided to assist you in meeting your goals moving forward there.","start":188.385,"end":198.44,"sentiment":"neutral","sentiment_score":0.19449084024462435},{"text":"Okay?","start":198.44,"end":198.94,"sentiment":"neutral","sentiment_score":0.047512903809547424},{"text":"The the page you were looking at just before there was the scoping in and out section.","start":200.28,"end":204.68001,"sentiment":"neutral","sentiment_score":-0.02095163449206773},{"text":"So that's essentially focusing on areas that we are and are not looking at advice with regard to this advice document for you.","start":204.68001,"end":211.215,"sentiment":"neutral","sentiment_score":-0.04362268713505372}],"sentiment":"neutral","sentiment_score":0.09187279571565467,"num_words":109,"start":181.11,"end":211.215},{"sentences":[{"text":"So the areas that we are scoping in or looking at with the recommendations are superannuation.","start":211.69499,"end":216.355,"sentiment":"neutral","sentiment_score":0.0025697906967252493},{"text":"I've got a bit of a state planning there for you as well.","start":217.055,"end":219.795,"sentiment":"neutral","sentiment_score":0.05345496707237684},{"text":"And then we've also, just as a limited scope, considered the insurance aspect.","start":220.735,"end":224.675,"sentiment":"neutral","sentiment_score":0.016344788699195936},{"text":"So we weren't changing anything with the insurances, but we are scoping them into an extent that they are paid out of super.","start":224.7,"end":231.58,"sentiment":"neutral","sentiment_score":0.04981007880490759},{"text":"So it does have an effect on your super, and we've incorporated that into the projections for you.","start":231.58,"end":236.31999,"sentiment":"neutral","sentiment_score":0.2672753855586052}],"sentiment":"neutral","sentiment_score":0.08319400275597372,"num_words":83,"start":211.69499,"end":236.31999},{"sentences":[{"text":"Okay?","start":236.37999,"end":236.87999,"sentiment":"neutral","sentiment_score":0.08481255173683167},{"text":"Beautiful.","start":237.9,"end":238.4,"sentiment":"positive","sentiment_score":0.5614209175109863},{"text":"On page number five, it has the areas that we're not looking at new advice for.","start":239.595,"end":243.675,"sentiment":"neutral","sentiment_score":-0.04299554810859263},{"text":"So income protection and trauma has been scoped out of this.","start":243.675,"end":247.35501,"sentiment":"neutral","sentiment_score":-0.18910464576699518},{"text":"If you wanted to look at additional recommendations about insurances, we can come back and have that conversation at a later time there with you.","start":247.35501,"end":254.67,"sentiment":"neutral","sentiment_score":0.08553796947002411}],"sentiment":"neutral","sentiment_score":0.0003074598671109588,"num_words":54,"start":236.37999,"end":254.67},{"sentences":[{"text":"And we're also not scoping in the retirement income needs as of yet.","start":255.15,"end":258.75,"sentiment":"neutral","sentiment_score":-0.12072943781430905},{"text":"So you're a little over ten years away there from being able to access super as per your goal.","start":258.75,"end":263.63,"sentiment":"neutral","sentiment_score":-0.09717591224532378},{"text":"So we are essentially just not focusing on the building of your super and what to do now to help it increase and build over time.","start":263.63,"end":271.035,"sentiment":"neutral","sentiment_score":0.02589311909217101},{"text":"When you get closer to accessing your super, then we'll certainly look at, you know, the drawing down the retirement aspect and what that looks like for you.","start":271.035,"end":278.635,"sentiment":"neutral","sentiment_score":0.11512184196284839},{"text":"Okay?","start":278.635,"end":279.135,"sentiment":"neutral","sentiment_score":0.07929576933383942}],"sentiment":"neutral","sentiment_score":0.006437970303941047,"num_words":87,"start":255.15,"end":279.135},{"sentences":[{"text":"And estate planning has been both scoped in and out because there are different stages to it.","start":280.555,"end":284.85,"sentiment":"neutral","sentiment_score":0.06514959979583235},{"text":"So we're scoping in just looking at making sure you've got a will and power of attorney updated to make sure they reflect your current wishes.","start":284.85,"end":291.59,"sentiment":"neutral","sentiment_score":0.13099652614731055},{"text":"We are scoping out estate planning with the side of the beneficiary nominations.","start":291.89,"end":295.91,"sentiment":"neutral","sentiment_score":0.1630429894878314},{"text":"So you have those in place.","start":295.97,"end":297.25,"sentiment":"neutral","sentiment_score":0.20502794533967972},{"text":"You confirm that you were comfortable with how your beneficiary nominations were set up.","start":297.25,"end":301.325,"sentiment":"neutral","sentiment_score":0.2007658119712557}],"sentiment":"neutral","sentiment_score":0.14044606288600908,"num_words":76,"start":280.555,"end":301.325},{"sentences":[{"text":"So we're scoping scoping that side of it out for you.","start":301.545,"end":305.065,"sentiment":"neutral","sentiment_score":0.22276375510475852},{"text":"Okay?","start":305.065,"end":305.565,"sentiment":"neutral","sentiment_score":0.10588665306568146},{"text":"Beautiful.","start":306.985,"end":307.485,"sentiment":"positive","sentiment_score":0.4443223476409912},{"text":"I will skip a few pages now if that's okay.","start":309.065,"end":312.025,"sentiment":"neutral","sentiment_score":0.11290978044271469},{"text":"Essentially, I'm gonna get you to go down for me just to page number 13.","start":312.025,"end":319.31998,"sentiment":"neutral","sentiment_score":0.09341822937130928}],"sentiment":"neutral","sentiment_score":0.1455521461014685,"num_words":38,"start":301.545,"end":319.31998},{"sentences":[{"text":"Yeah.","start":320.25998,"end":320.75998,"sentiment":"neutral","sentiment_score":0.08497792482376099},{"text":"That's the one.","start":322.41998,"end":323.3,"sentiment":"neutral","sentiment_score":0.12609278659025827},{"text":"Yeah.","start":323.3,"end":323.78,"sentiment":"neutral","sentiment_score":0.12076778709888458},{"text":"So, essentially, we had a bit of a look at your super.","start":323.78,"end":326.43997,"sentiment":"neutral","sentiment_score":0.12396470581491788},{"text":"You're in that discovery menu at the moment, so you do that.","start":326.5,"end":329.755,"sentiment":"neutral","sentiment_score":0.14389453579982123}],"sentiment":"neutral","sentiment_score":0.130977067967941,"num_words":29,"start":320.25998,"end":329.755},{"sentences":[{"text":"Essentially, with the way hub 24 works is it has several layers within the platform.","start":329.755,"end":333.99503,"sentiment":"neutral","sentiment_score":0.11591470850010713},{"text":"So you have different different super funds within the platform, and they have, like, discovery menu, which is the cheapest option to access, but it has very limited options of availability of funds to invest you in.","start":333.99503,"end":345.66,"sentiment":"neutral","sentiment_score":0.032865819798128026},{"text":"So when Bart moved you into that prior, it was about making sure you had a lower cost fund and just popping you into a good quality investment product to kinda get your super growing and building within that time frame with the view that as your super built over time, that we could move you into a much more sophisticated super fund and or platform there.","start":345.66,"end":364.575,"sentiment":"positive","sentiment_score":0.4275477150482918},{"text":"Within Hub twenty four, they have access to those more sophisticated menu options, as we call them, or different areas within the Superfund.","start":365.035,"end":372.78998,"sentiment":"neutral","sentiment_score":0.10483531038398328},{"text":"They have the Discover menu, they have a Core, and they have a Choice.","start":372.93,"end":376.15,"sentiment":"neutral","sentiment_score":0.08805059162633759}],"sentiment":"neutral","sentiment_score":0.22592546980684766,"num_words":156,"start":329.755,"end":376.15},{"sentences":[{"text":"I'm recommending that we move you out of Discover menu and into the Choice menu.","start":376.77,"end":380.69,"sentiment":"neutral","sentiment_score":0.10807174195845921},{"text":"This is a very simple process.","start":380.69,"end":382.28998,"sentiment":"positive","sentiment_score":0.48797745009263355},{"text":"There's nothing you need to do on the back end.","start":382.28998,"end":384.21,"sentiment":"neutral","sentiment_score":0.2103641852736473},{"text":"It's just a form.","start":384.21,"end":385.34998,"sentiment":"neutral","sentiment_score":0.18892723694443703},{"text":"You essentially sign that form and have 24 move everything in the back end.","start":385.50497,"end":389.585,"sentiment":"neutral","sentiment_score":0.18729870979275023}],"sentiment":"neutral","sentiment_score":0.20470354219480436,"num_words":49,"start":376.77,"end":389.585},{"sentences":[{"text":"Your super account stays exactly the same from what you can see it as.","start":389.585,"end":393.44498,"sentiment":"positive","sentiment_score":0.4259541098560606},{"text":"It's just that in the back end, they open up the menu options, which allows us to invest in a lot more different investment options, if that makes sense.","start":393.50497,"end":400.5,"sentiment":"neutral","sentiment_score":0.2752196860724482},{"text":"It's all just an administrative thing, essentially.","start":401.94,"end":404.36,"sentiment":"neutral","sentiment_score":0.06537175072090966},{"text":"So we are recommending that we move you out of that Discover side of hub twenty four and move you into the full menu there.","start":406.74,"end":413.145,"sentiment":"neutral","sentiment_score":0.09683622717857361},{"text":"That opens up, as I mentioned, all the different investment options there for you.","start":413.22498,"end":417.16498,"sentiment":"neutral","sentiment_score":0.26545787496226175}],"sentiment":"neutral","sentiment_score":0.2307825462704294,"num_words":89,"start":389.585,"end":417.16498},{"sentences":[{"text":"Once we have completed that, we will then reinvest your portfolio, and I'll take you through how that will look for you shortly there.","start":417.465,"end":424.60498,"sentiment":"neutral","sentiment_score":0.3163878892858823},{"text":"There'll be no real changes that you will see on your side of things.","start":425.305,"end":428.30002,"sentiment":"neutral","sentiment_score":0.26084641367197037},{"text":"You'll have twenty four super account number stays exactly the same.","start":428.30002,"end":431.42,"sentiment":"positive","sentiment_score":0.44682624665173615},{"text":"It's just that you will see the investments changing in the back end there.","start":431.42,"end":434.96002,"sentiment":"neutral","sentiment_score":0.26271575902189526},{"text":"We are still also recommending your super contributions and your salary sacrifice stays the same as well.","start":435.42,"end":440.875,"sentiment":"positive","sentiment_score":0.4127113889245426}],"sentiment":"positive","sentiment_score":0.33567952606827023,"num_words":80,"start":417.465,"end":440.875},{"sentences":[{"text":"You did mention you were happy with the level of salary sacrifice there.","start":440.875,"end":444.33502,"sentiment":"positive","sentiment_score":0.4650101157335135},{"text":"If you ever find that you wanted to review that level, come back and let me know.","start":444.55502,"end":448.415,"sentiment":"neutral","sentiment_score":0.1958889391492395},{"text":"We can always definitely reevaluate the level, make sure it's, you know, suiting your cash flow, but making sure it's helping to boost your super down the track there as well.","start":448.795,"end":456.73,"sentiment":"positive","sentiment_score":0.3816275115936033},{"text":"Okay?","start":456.73,"end":457.23,"sentiment":"neutral","sentiment_score":0.1535702645778656},{"text":"Excellent.","start":459.21,"end":459.71,"sentiment":"positive","sentiment_score":0.7182356119155884}],"sentiment":"positive","sentiment_score":0.3504365429518715,"num_words":63,"start":440.875,"end":459.71},{"sentences":[{"text":"When you do take some time to read it through, essentially, I do have what's called the best interest duties.","start":460.09,"end":465.29,"sentiment":"neutral","sentiment_score":0.2768860999494791},{"text":"This is relating the recommendations back to your goals and why we've made those recommendations and how they are in your best interest moving forward for you.","start":465.29,"end":472.555,"sentiment":"neutral","sentiment_score":0.30596780004324736},{"text":"So I'll let you go back and have a read through that.","start":472.555,"end":474.955,"sentiment":"neutral","sentiment_score":0.1875114974876245},{"text":"There's quite a lot of wording in here, so I'll skip a lot of that to make it easier on you today.","start":474.955,"end":479.535,"sentiment":"neutral","sentiment_score":0.12457385930148038},{"text":"Okay.","start":480.47498,"end":480.97498,"sentiment":"neutral","sentiment_score":0.06264413148164749}],"sentiment":"neutral","sentiment_score":0.22990560495271917,"num_words":82,"start":460.09,"end":480.97498},{"sentences":[{"text":"If I can get you to move down for me just to page number 17, I can sort of show you a bit more detail around those recommendations there.","start":482.17,"end":490.19,"sentiment":"neutral","sentiment_score":0.06790650417578631},{"text":"Beautiful.","start":492.09,"end":492.59,"sentiment":"positive","sentiment_score":0.5377551317214966},{"text":"So as I kinda mentioned, we are looking to move you out the Discover menu and into the choice menu there.","start":493.45,"end":498.905,"sentiment":"neutral","sentiment_score":0.18699334065119425},{"text":"The first column here shows your current balance, which at the moment, your balance is up to 100,044, which is fantastic.","start":499.045,"end":505.465,"sentiment":"positive","sentiment_score":0.4135066668192546},{"text":"It's a lovely increase over the last couple of years there in your super.","start":505.525,"end":508.905,"sentiment":"positive","sentiment_score":0.6387906691857747}],"sentiment":"neutral","sentiment_score":0.27977457300348335,"num_words":86,"start":482.17,"end":508.905},{"sentences":[{"text":"Within the Discover menu, as I kinda mentioned before, it is a much cheaper menu.","start":510.7,"end":514.62,"sentiment":"neutral","sentiment_score":0.2272620548804601},{"text":"It is designed to sorta have for lower balances where you put the money in and try to build your super so as you can move it into those more sophisticated products down the track there.","start":514.62,"end":523.76,"sentiment":"neutral","sentiment_score":0.2995819341805246},{"text":"Within the Discover menu, they don't have administration fees.","start":524.295,"end":527.255,"sentiment":"neutral","sentiment_score":0.08121014986601141},{"text":"However, you were paying investment fees for the investment products you were in, and they had other fees applicable to the funds.","start":527.255,"end":533.415,"sentiment":"neutral","sentiment_score":0.13839771734042602},{"text":"So, like, management fees and things that fit into the other category.","start":533.415,"end":537.59503,"sentiment":"neutral","sentiment_score":0.22068365042408308}],"sentiment":"neutral","sentiment_score":0.21933750413913042,"num_words":94,"start":510.7,"end":537.59503},{"sentences":[{"text":"Your contributions are just still going in and have been going in nicely.","start":538.68,"end":542.44,"sentiment":"positive","sentiment_score":0.6273662768877469},{"text":"That's including your salary sacrifice, and that's showing net contribution for after the 15% tax has been deducted there, and your insurance premiums have been coming out at that level.","start":542.44,"end":552.62,"sentiment":"positive","sentiment_score":0.4037353307008743},{"text":"You are in that high growth environment there.","start":553.185,"end":555.34503,"sentiment":"neutral","sentiment_score":0.24130182340741158},{"text":"And as we kind of reassess, it is important to sort of stay in that high growth environment.","start":555.34503,"end":559.105,"sentiment":"neutral","sentiment_score":0.2563265760739644},{"text":"You are happy with that.","start":559.105,"end":560.145,"sentiment":"positive","sentiment_score":0.46943235099315644}],"sentiment":"positive","sentiment_score":0.39404427340707265,"num_words":74,"start":538.68,"end":560.145},{"sentences":[{"text":"Your main sort of goal is to boost your super and build it as much as you possibly can towards your retirement goals there.","start":560.145,"end":566.01,"sentiment":"positive","sentiment_score":0.5371915971239408},{"text":"That high growth environment still suits your time horizon and your risk tolerance and capacity.","start":566.57,"end":571.15,"sentiment":"positive","sentiment_score":0.5138261636098226},{"text":"So remaining there is suitable for the time being.","start":571.29004,"end":574.11,"sentiment":"positive","sentiment_score":0.41997462179925704},{"text":"If you ever find that you're a little bit nervous about the ups and downs on what the market is doing, please let me know, and I'll make sure moving forward that we do reassess that with you again down the track.","start":574.17,"end":583.755,"sentiment":"neutral","sentiment_score":-0.020188626846426076},{"text":"Okay?","start":583.895,"end":584.395,"sentiment":"neutral","sentiment_score":0.028315674513578415}],"sentiment":"neutral","sentiment_score":0.2589028102008672,"num_words":91,"start":560.145,"end":584.395},{"sentences":[{"text":"When we look at what the the previous portfolio was that you've been in, and they're looking at a five year rolling average, because it sort of shows us how this has performed over the past five years, it's averaging about 9.95%, which is not a bad return in any way, shape, or form, and it's really showing to build your super nicely over the last few years there.","start":586.21497,"end":604.85,"sentiment":"positive","sentiment_score":0.37841343318206677},{"text":"With updating the recommendation and moving into the choice menu, we are then obviously selling the current investment option and investing your funds into other investments.","start":605.62994,"end":614.725,"sentiment":"neutral","sentiment_score":0.2068151757121086},{"text":"So we do know that your fund will pay or your super fund will have a capital gains consequence.","start":615.185,"end":620.085,"sentiment":"neutral","sentiment_score":0.1446347315060465},{"text":"Your super, just like you, does a tax return every year, and your super fund pays income tax and capital gains tax.","start":620.785,"end":627.76996,"sentiment":"neutral","sentiment_score":0.1368414102630182},{"text":"On the top line, I have worked out the tax side of things.","start":628.55,"end":632.00995,"sentiment":"neutral","sentiment_score":0.1980817329425078}],"sentiment":"neutral","sentiment_score":0.2672574155082639,"num_words":149,"start":586.21497,"end":632.00995},{"sentences":[{"text":"Your super fund is expected to pay capital gains of $815 in order to make the switch within the investments there.","start":632.14996,"end":639.05,"sentiment":"neutral","sentiment_score":0.2690346609978449},{"text":"The good news is it doesn't affect you personally, but it does show that the starting once we've made the switch, the expected balance within the super fund is to be $99,229.","start":639.245,"end":650.285,"sentiment":"positive","sentiment_score":0.4142374685034156},{"text":"Do you have any questions about the capital gains side of things or that so far?","start":650.285,"end":655.06,"sentiment":"neutral","sentiment_score":0.07158950576558709},{"text":"That's okay.","start":658.88,"end":659.7,"sentiment":"neutral","sentiment_score":-0.12384521961212158},{"text":"What's what's the main thing that you're not really understanding?","start":659.76,"end":662.66003,"sentiment":"neutral","sentiment_score":-0.16739059537649154}],"sentiment":"neutral","sentiment_score":0.2238168218805466,"num_words":81,"start":632.14996,"end":662.66003},{"sentences":[{"text":"I'm happy to break it down more for you.","start":662.72003,"end":664.98004,"sentiment":"neutral","sentiment_score":0.32202572955025566},{"text":"Yeah.","start":669.35504,"end":669.85504,"sentiment":"neutral","sentiment_score":-0.08337228000164032},{"text":"No.","start":675.515,"end":676.015,"sentiment":"neutral","sentiment_score":-0.2861087918281555},{"text":"Yeah.","start":677.67505,"end":677.995,"sentiment":"neutral","sentiment_score":-0.02237284928560257},{"text":"Absolutely.","start":677.995,"end":678.495,"sentiment":"positive","sentiment_score":0.4293045699596405}],"sentiment":"neutral","sentiment_score":0.22582170883050331,"num_words":13,"start":662.72003,"end":678.495},{"sentences":[{"text":"You're absolutely fine.","start":679.54004,"end":681.22003,"sentiment":"positive","sentiment_score":0.39255107442537945},{"text":"No worries.","start":681.22003,"end":681.96,"sentiment":"neutral","sentiment_score":0.14830117672681808},{"text":"If anything comes through on Teams that you need to stop for, just tell me.","start":682.02,"end":685.14,"sentiment":"neutral","sentiment_score":0.05138746177156766},{"text":"Just say, Dana, stop.","start":685.14,"end":686.10004,"sentiment":"neutral","sentiment_score":0.06198675371706486},{"text":"That's enough, and I'll stop for you.","start":686.10004,"end":687.7,"sentiment":"neutral","sentiment_score":0.10989270572151456}],"sentiment":"neutral","sentiment_score":0.10523430510394034,"num_words":31,"start":679.54004,"end":687.7},{"sentences":[{"text":"It's not a problem, please.","start":687.7,"end":689.16003,"sentiment":"neutral","sentiment_score":0.15724870562553406},{"text":"Essentially, so because we are moving you out of the Discover menu, we're putting you into some different investment options.","start":690.58,"end":696.545,"sentiment":"neutral","sentiment_score":0.029946344904601574},{"text":"So we will have to sell down your current investment investment portfolio and move you into the newer investment options.","start":696.545,"end":702.96497,"sentiment":"neutral","sentiment_score":0.015231634303927422},{"text":"So just like you would be doing if you were to change investments in your own name, your tax on that.","start":703.345,"end":710.74,"sentiment":"neutral","sentiment_score":0.026321538324866976},{"text":"Your super fund does pay income tax and capital gains tax for income that's received within the fund and also capital gains on investment switches or changing investments within the fund there.","start":710.74,"end":721.95996,"sentiment":"neutral","sentiment_score":0.028440944792237133}],"sentiment":"neutral","sentiment_score":0.03217005765787801,"num_words":98,"start":687.7,"end":721.95996},{"sentences":[{"text":"So with our research, by changing the portfolio and I'll show you what that will look like in a moment.","start":722.205,"end":727.585,"sentiment":"neutral","sentiment_score":0.039064382947981355},{"text":"But we know that the estimated, capital gains cost for your super fund is $815.","start":728.125,"end":733.98,"sentiment":"neutral","sentiment_score":0.01667168699204922},{"text":"So your super is expected to pay $815 in capital gains tax, which means once we've completed the SWIFT, the balance that we expect you to have is 99,229.","start":734.06,"end":745.18,"sentiment":"neutral","sentiment_score":0.026742082924164575},{"text":"Does that make sense?","start":745.18,"end":746.32,"sentiment":"neutral","sentiment_score":0.015432699583470821},{"text":"Yeah.","start":747.025,"end":747.525,"sentiment":"neutral","sentiment_score":0.06404684484004974}],"sentiment":"neutral","sentiment_score":0.028009579881377842,"num_words":69,"start":722.205,"end":747.525},{"sentences":[{"text":"Yeah.","start":747.585,"end":748.085,"sentiment":"neutral","sentiment_score":0.08283770084381104},{"text":"That's all good.","start":748.465,"end":749.525,"sentiment":"neutral","sentiment_score":0.276845782995224},{"text":"You're fine.","start":750.305,"end":751.025,"sentiment":"neutral","sentiment_score":0.25347964465618134},{"text":"Honestly, it's not a problem at all.","start":751.025,"end":753.125,"sentiment":"neutral","sentiment_score":0.16200992465019226},{"text":"No.","start":757.985,"end":758.305,"sentiment":"neutral","sentiment_score":-0.0677904561161995}],"sentiment":"neutral","sentiment_score":0.17761523968407086,"num_words":14,"start":747.585,"end":758.305},{"sentences":[{"text":"You're fine.","start":758.305,"end":759.125,"sentiment":"neutral","sentiment_score":-0.007138749584555626},{"text":"You're you're fine.","start":762.08,"end":763.44,"sentiment":"neutral","sentiment_score":0.10863463332255681},{"text":"Please don't ever hesitate.","start":763.44,"end":764.82,"sentiment":"neutral","sentiment_score":0.13548358343541622},{"text":"I love the fact that you're honest, and just break it down.","start":764.88,"end":768.0,"sentiment":"positive","sentiment_score":0.44521858791510266},{"text":"If you miss something or need me to break something down, just let me know.","start":768.0,"end":771.68,"sentiment":"neutral","sentiment_score":0.2292607327302297}],"sentiment":"neutral","sentiment_score":0.2676415216798584,"num_words":36,"start":758.305,"end":771.68},{"sentences":[{"text":"It's all good.","start":771.68,"end":772.66,"sentiment":"positive","sentiment_score":0.43430931369463605},{"text":"Easy.","start":774.365,"end":774.865,"sentiment":"neutral","sentiment_score":0.18131829798221588},{"text":"Within the hub 24 choice menu, there is administration fees, investment fees, and any other fees applicable.","start":775.165,"end":781.425,"sentiment":"neutral","sentiment_score":0.05468347668647766},{"text":"It does mean, obviously, you are paying a higher administration fee than what you would have in the Discover menu.","start":782.125,"end":785.2403,"sentiment":"neutral","sentiment_score":0.0215317789465189},{"text":"However, you are saving on investment fees and any other fees menu.","start":785.2403,"end":786.89,"sentiment":"neutral","sentiment_score":0.11497122965132196}],"sentiment":"neutral","sentiment_score":0.07970105051853747,"num_words":53,"start":771.68,"end":786.89},{"sentences":[{"text":"However, you are saving on investment fees and any other fees applicable.","start":788.31,"end":791.03,"sentiment":"positive","sentiment_score":0.5185481632749239},{"text":"So when we kind of weigh up the fees, the saving in all the other fees outweigh what you're paying in admin fees.","start":791.03,"end":797.11,"sentiment":"positive","sentiment_score":0.5602904376776322},{"text":"So it actually does work out cheaper to swap the menu and move into this product for you.","start":797.11,"end":801.425,"sentiment":"positive","sentiment_score":0.7447477976481119},{"text":"Okay?","start":805.485,"end":805.985,"sentiment":"neutral","sentiment_score":0.02163065224885941},{"text":"Yes.","start":806.125,"end":806.625,"sentiment":"neutral","sentiment_score":0.017791759222745895}],"sentiment":"positive","sentiment_score":0.5918934690004045,"num_words":55,"start":788.31,"end":806.625},{"sentences":[{"text":"That is separate, but it actually does show you here.","start":810.845,"end":813.58,"sentiment":"neutral","sentiment_score":0.057160420995205644},{"text":"So I did speak to Bart about the fee structure afterwards because I went back, and I was like, I'm so sorry.","start":813.58,"end":818.78,"sentiment":"neutral","sentiment_score":0.018803386356342922},{"text":"I didn't realize.","start":818.78,"end":819.68,"sentiment":"neutral","sentiment_score":-0.07227884978055954},{"text":"But what what do you wanna do to help out your sister?","start":819.98004,"end":822.96,"sentiment":"neutral","sentiment_score":0.03725730534642935},{"text":"And Bart did say that because we normally are 1.65%.","start":823.5,"end":826.935,"sentiment":"neutral","sentiment_score":0.13151311501860619}],"sentiment":"neutral","sentiment_score":0.04439756096128309,"num_words":57,"start":810.845,"end":826.935},{"sentences":[{"text":"He's happy to put you on a lower fee structure, but because I'm looking after things and he does pay me to do my job and we are a professional service, we do have to sort of have that management fee going on.","start":826.935,"end":837.115,"sentiment":"positive","sentiment_score":0.3543298296457113},{"text":"So he has agreed to make it 1.10% there for you.","start":837.815,"end":842.55005,"sentiment":"positive","sentiment_score":0.3942493958906694},{"text":"The ongoing service fee is that's per year, so it is deducted in smaller monthly increments out of your super.","start":843.09,"end":849.09,"sentiment":"neutral","sentiment_score":0.18170143105089664},{"text":"And if we ever find that there is a reason to turn it off or that the fee shouldn't be deducted or it's not working for you, we will turn them off.","start":849.09,"end":856.065,"sentiment":"neutral","sentiment_score":-0.08102349925320596},{"text":"But I did go back and I did ask that, and I was very honest and open about it.","start":856.065,"end":859.82495,"sentiment":"neutral","sentiment_score":0.2634080119038883}],"sentiment":"neutral","sentiment_score":0.20495163920521736,"num_words":125,"start":826.935,"end":859.82495},{"sentences":[{"text":"And he has discounted it for you, so it's 1.10 per annum.","start":859.985,"end":864.165,"sentiment":"neutral","sentiment_score":0.2840580381453037},{"text":"Okay.","start":864.38495,"end":864.69,"sentiment":"neutral","sentiment_score":0.01612827554345131},{"text":"Is that shows no.","start":869.57,"end":871.73,"sentiment":"neutral","sentiment_score":-0.030931342858821154},{"text":"Well, it does sorta show you it shows you the dollar figure, but I'll take you through and show you the percentage there as well.","start":871.73,"end":876.945,"sentiment":"neutral","sentiment_score":0.08694880947470665},{"text":"But on that chart where the recommended column is, if you look at adviser fee adviser service fee, that shows you how much you're expected to pay for our services for the year.","start":877.34503,"end":886.145,"sentiment":"neutral","sentiment_score":0.09673078595237299}],"sentiment":"neutral","sentiment_score":0.11555914046863715,"num_words":75,"start":859.985,"end":886.145},{"sentences":[{"text":"So on the balance there, it's $1,219.","start":886.145,"end":889.59,"sentiment":"neutral","sentiment_score":0.0704677722283772},{"text":"Yeah.","start":894.39,"end":894.47003,"sentiment":"neutral","sentiment_score":0.06572776287794113},{"text":"1.1% based on the balance at the top.","start":894.47003,"end":897.19,"sentiment":"neutral","sentiment_score":0.06907536601647735},{"text":"Correct.","start":897.19,"end":897.69,"sentiment":"neutral","sentiment_score":0.1216738298535347},{"text":"Yeah.","start":899.27,"end":899.77,"sentiment":"neutral","sentiment_score":0.05656386911869049}],"sentiment":"neutral","sentiment_score":0.07165793308781253,"num_words":18,"start":886.145,"end":899.77},{"sentences":[{"text":"It does take in sorry.","start":900.23004,"end":902.09,"sentiment":"neutral","sentiment_score":-0.003274174779653549},{"text":"1.65%.","start":903.025,"end":904.645,"sentiment":"neutral","sentiment_score":0.016928520053625107},{"text":"Yeah.","start":907.025,"end":907.525,"sentiment":"neutral","sentiment_score":0.07934631407260895},{"text":"If I work it out roughly So it would be just over, say, $1,700 at 1.65% factoring in growth there as well.","start":910.945,"end":930.81,"sentiment":"neutral","sentiment_score":0.1432841813869097},{"text":"So you are sort of saving a bit of money.","start":931.07495,"end":933.15497,"sentiment":"neutral","sentiment_score":0.324059696495533}],"sentiment":"neutral","sentiment_score":0.16596802347936693,"num_words":39,"start":900.23004,"end":933.15497},{"sentences":[{"text":"So if I go yeah.","start":933.15497,"end":937.795,"sentiment":"neutral","sentiment_score":0.1124639168381691},{"text":"That's 480 odd dollars for the year that you are saving on the ongoing service fee.","start":937.795,"end":942.855,"sentiment":"neutral","sentiment_score":0.16397230932489038},{"text":"One of the good things about yeah.","start":943.07495,"end":945.04004,"sentiment":"positive","sentiment_score":0.35388090780803133},{"text":"One of the good things about this fee as well, just to kinda kinda clarify for you, is that it does sort of fluctuate with the market because it is a percentage based fee.","start":945.04004,"end":952.24005,"sentiment":"neutral","sentiment_score":0.271550207891885},{"text":"So if we see times the market does take a bit of a dip, your ongoing service fee takes a bit of a there with it as well.","start":952.24005,"end":958.585,"sentiment":"neutral","sentiment_score":0.15180876265679086}],"sentiment":"neutral","sentiment_score":0.21273772567510604,"num_words":90,"start":933.15497,"end":958.585},{"sentences":[{"text":"So it is linked to the performance of your suit, but we wanna make sure you're making that 1.10% and then getting additional growth there on top of that for you.","start":958.585,"end":966.825,"sentiment":"neutral","sentiment_score":0.22715205771307792},{"text":"Okay?","start":966.825,"end":967.325,"sentiment":"neutral","sentiment_score":0.07983215898275375},{"text":"Yeah.","start":968.42505,"end":968.92505,"sentiment":"neutral","sentiment_score":0.3095308244228363},{"text":"Excellent.","start":969.145,"end":969.645,"sentiment":"positive","sentiment_score":0.6672587990760803},{"text":"All good.","start":969.86505,"end":970.60504,"sentiment":"positive","sentiment_score":0.6690499484539032}],"sentiment":"neutral","sentiment_score":0.26212320745819145,"num_words":36,"start":958.585,"end":970.60504},{"sentences":[{"text":"You've got your contributions noted in there as well, the insurance premiums, and then you're still in that high growth environment there.","start":971.16,"end":977.56,"sentiment":"positive","sentiment_score":0.3624452000314539},{"text":"And when we look at the newer portfolio, which I'll take you through in a moment there, it's averaged to higher returns, so 11.71 over the past five years.","start":977.56,"end":986.67505,"sentiment":"neutral","sentiment_score":0.2553891087400502},{"text":"Now I am really honest and let you know that projection tables are just projection tables.","start":986.67505,"end":991.23505,"sentiment":"neutral","sentiment_score":0.07628313265740871},{"text":"They are based on market conditions, and markets can change gradually over time.","start":991.23505,"end":995.73505,"sentiment":"neutral","sentiment_score":0.0594707948084061},{"text":"So this is sort of showing you if the if the portfolio can achieve what it has over the past five years with all the fees noted above.","start":996.35504,"end":1004.76996,"sentiment":"neutral","sentiment_score":0.21038949170282908}],"sentiment":"neutral","sentiment_score":0.21541328497093032,"num_words":108,"start":971.16,"end":1004.76996},{"sentences":[{"text":"On the next page, if you scroll down, you can sort of see the projected outcome there.","start":1005.47,"end":1009.73,"sentiment":"neutral","sentiment_score":0.09625804095583804},{"text":"So over the next five to ten years, you can actually see yourself being in a much greater position with the newer portfolio even with the ongoing service fee attached there and with the the fee savings that we're making with the newer portfolio as well.","start":1009.835,"end":1023.92,"sentiment":"positive","sentiment_score":0.5735087465980778},{"text":"Okay?","start":1023.98,"end":1024.48,"sentiment":"neutral","sentiment_score":0.2200319766998291},{"text":"Yep.","start":1025.66,"end":1026.14,"sentiment":"neutral","sentiment_score":0.19215944409370425},{"text":"Beautiful.","start":1026.14,"end":1026.64,"sentiment":"positive","sentiment_score":0.5538060069084167}],"sentiment":"positive","sentiment_score":0.4391482798100421,"num_words":66,"start":1005.47,"end":1026.64},{"sentences":[{"text":"We do wanna make sure we readjust things as time goes on.","start":1027.4199,"end":1030.62,"sentiment":"neutral","sentiment_score":0.18864009715616703},{"text":"So investments that we're putting into the portfolio now do need to be reevaluated because in, you know, another two, three, or five years' time, we might need to update those again.","start":1030.62,"end":1039.655,"sentiment":"neutral","sentiment_score":0.022101037349784747},{"text":"So investments do need to be reevaluated and checked on regularly, but this can put you in a much greater position.","start":1039.7151,"end":1046.055,"sentiment":"neutral","sentiment_score":0.21221572621947243},{"text":"Sorry.","start":1046.115,"end":1046.515,"sentiment":"neutral","sentiment_score":-0.023808710277080536},{"text":"You're at okay.","start":1046.515,"end":1051.0951,"sentiment":"neutral","sentiment_score":-0.010881915998955568}],"sentiment":"neutral","sentiment_score":0.10682594425220421,"num_words":69,"start":1027.4199,"end":1051.0951},{"sentences":[{"text":"No.","start":1052.8401,"end":1053.3401,"sentiment":"neutral","sentiment_score":-0.03655758127570152},{"text":"So I tend to go into most people's accounts, and I have a look at everything generally at least once every sort of two to three months there.","start":1053.4,"end":1059.9601,"sentiment":"neutral","sentiment_score":0.00182768635983978},{"text":"So I wanted to sort of see when you would like to do a bit of a catch up.","start":1059.9601,"end":1064.1201,"sentiment":"neutral","sentiment_score":0.027490775444005664},{"text":"I know it's been probably a little bit of time since we last reviewed things with you.","start":1064.1201,"end":1068.4149,"sentiment":"neutral","sentiment_score":0.012275547172655077},{"text":"But did you want me to do a catch up with you in, say, six months to see how things are tracking and then maybe your annual review, or what would you like to see?","start":1068.4149,"end":1075.7949,"sentiment":"neutral","sentiment_score":0.03362559053514685}],"sentiment":"neutral","sentiment_score":0.01922522340901196,"num_words":100,"start":1052.8401,"end":1075.7949},{"sentences":[{"text":"We'll do that?","start":1077.9349,"end":1078.735,"sentiment":"neutral","sentiment_score":0.0666383629043897},{"text":"Beautiful.","start":1078.735,"end":1079.235,"sentiment":"positive","sentiment_score":0.4772588014602661},{"text":"I'll pop it down.","start":1079.455,"end":1080.1749,"sentiment":"positive","sentiment_score":0.4128952845931053},{"text":"So it's a six month catch up there for you.","start":1080.1749,"end":1082.46,"sentiment":"positive","sentiment_score":0.34188989698886874},{"text":"Fantastic.","start":1082.46,"end":1082.96,"sentiment":"positive","sentiment_score":0.6206456422805786}],"sentiment":"positive","sentiment_score":0.3351736653007959,"num_words":19,"start":1077.9349,"end":1082.96},{"sentences":[{"text":"Excellent.","start":1085.26,"end":1085.76,"sentiment":"positive","sentiment_score":0.5563663840293884},{"text":"Now do you have any questions about the projected outcome there or the table above or anything that you needed me to clarify further there for you at all?","start":1086.54,"end":1095.4401,"sentiment":"neutral","sentiment_score":0.18766028665263076},{"text":"That's all good.","start":1098.0449,"end":1099.105,"sentiment":"neutral","sentiment_score":0.21251959602038065},{"text":"If I can get you to scroll down for me to the next page, it's page number 19.","start":1100.125,"end":1104.0449,"sentiment":"neutral","sentiment_score":0.10628659195370144},{"text":"This is essentially showing you the investments that you'll see your funds invested within.","start":1104.0449,"end":1108.3049,"sentiment":"neutral","sentiment_score":0.10428684896656445}],"sentiment":"neutral","sentiment_score":0.15398843116485156,"num_words":65,"start":1085.26,"end":1108.3049},{"sentences":[{"text":"Beautiful.","start":1110.445,"end":1110.945,"sentiment":"positive","sentiment_score":0.35042041540145874},{"text":"So at the moment, you've got the beta shares dynamic high growth portfolio there.","start":1112.13,"end":1116.4501,"sentiment":"neutral","sentiment_score":0.1958484761416912},{"text":"So as I mentioned, we'll sell that down to cash, and then we'll reinvest your funds within the choice menu available to us.","start":1116.4501,"end":1122.9501,"sentiment":"neutral","sentiment_score":0.11497877149478249},{"text":"Essentially, within that menu menu, sorry, all the green shows the buyers, and so you'll see about 6% invested in some global cybersecurity.","start":1123.3301,"end":1130.9249,"sentiment":"neutral","sentiment_score":0.1434796838008839},{"text":"We'll also have 9% sitting in the European exposure, so giving you access exposure to all the European countries.","start":1131.705,"end":1138.365,"sentiment":"neutral","sentiment_score":0.14531460325968892}],"sentiment":"neutral","sentiment_score":0.1474727626889944,"num_words":80,"start":1110.445,"end":1138.365},{"sentences":[{"text":"You've also got some Japanese exposure, about 5% there.","start":1139.28,"end":1143.3,"sentiment":"neutral","sentiment_score":0.09058810936080085},{"text":"Diversification is really important for making sure we're lowering overall risk and helping to, you know, spread the risk level as much as possible.","start":1143.68,"end":1151.3601,"sentiment":"neutral","sentiment_score":0.3266803544635574},{"text":"So the Vanguard or WorldX US investment gives you exposure to the entire globe minus The US market, spreading that risk and diversifying as much as possible.","start":1151.3601,"end":1161.735,"sentiment":"neutral","sentiment_score":0.28078354784735926},{"text":"And Vanguard, this investor, is also just a low cost investment, which is great as well.","start":1162.435,"end":1167.255,"sentiment":"positive","sentiment_score":0.5555707421153784},{"text":"So that doesn't have any US exposure because we have the S and P 500.","start":1168.6,"end":1172.9199,"sentiment":"neutral","sentiment_score":0.10016175036629041}],"sentiment":"neutral","sentiment_score":0.2926190704680406,"num_words":91,"start":1139.28,"end":1172.9199},{"sentences":[{"text":"So giving you access and exposure to the top 500 companies on The US market there, and that's looking at 35% invested in The US.","start":1172.9199,"end":1181.58,"sentiment":"neutral","sentiment_score":0.16527414739131926},{"text":"We've also got the BetaShares Rafi a a 200.","start":1182.395,"end":1185.6749,"sentiment":"neutral","sentiment_score":0.18150192168023851},{"text":"This is giving you exposures to the top 200 companies on the ASX.","start":1185.6749,"end":1189.455,"sentiment":"neutral","sentiment_score":0.20375336821262652},{"text":"We wanna hold Australian exposure there as well, and we'll hold 25% of that for you.","start":1189.595,"end":1195.2949,"sentiment":"neutral","sentiment_score":0.20321766333654523},{"text":"Another really good area that we all love is a bit of physical gold.","start":1196.2001,"end":1199.9,"sentiment":"positive","sentiment_score":0.44323543991361347}],"sentiment":"neutral","sentiment_score":0.23209017582915045,"num_words":77,"start":1172.9199,"end":1199.9},{"sentences":[{"text":"Gold has done very well, continues to do very well.","start":1199.9601,"end":1202.92,"sentiment":"positive","sentiment_score":0.6246644556522369},{"text":"It is a growth investment.","start":1202.92,"end":1204.3,"sentiment":"positive","sentiment_score":0.48530938029289244},{"text":"So it doesn't earn any income, but it does see growth over time.","start":1204.4401,"end":1207.9801,"sentiment":"positive","sentiment_score":0.33703809403456175},{"text":"And gold can also act defensively depending on time frames as well.","start":1208.265,"end":1211.865,"sentiment":"positive","sentiment_score":0.3475921203692754},{"text":"So if you think back to the GFC or even COVID, people took money out of their investments and put it into gold as a bit of a safe haven.","start":1211.865,"end":1218.665,"sentiment":"neutral","sentiment_score":0.21466145540277162}],"sentiment":"positive","sentiment_score":0.33808051124215127,"num_words":70,"start":1199.9601,"end":1218.665},{"sentences":[{"text":"So gold is more of a growth asset, but it can act defensively as well and has been doing very, very well.","start":1218.665,"end":1225.16,"sentiment":"positive","sentiment_score":0.49680207669734955},{"text":"Most recently has been at some of the thirty year highs.","start":1225.16,"end":1227.8,"sentiment":"positive","sentiment_score":0.4498430300842632},{"text":"So we wanna keep and hold some significant gold in your portfolio about 7% there for you.","start":1227.8,"end":1233.3201,"sentiment":"positive","sentiment_score":0.4611678105943343},{"text":"Okay?","start":1233.3201,"end":1233.8201,"sentiment":"neutral","sentiment_score":0.16516944766044617},{"text":"And then in the high growth environment, we still wanna hold a small amount of defensive lower risk investments of things like cash, bonds, and fixed interest.","start":1235.16,"end":1243.025,"sentiment":"neutral","sentiment_score":0.1798628585206138}],"sentiment":"positive","sentiment_score":0.3684517746934524,"num_words":78,"start":1218.665,"end":1243.025},{"sentences":[{"text":"So we're holding the iShares core composite bonds for you.","start":1243.4851,"end":1246.4451,"sentiment":"neutral","sentiment_score":0.2687873810529709},{"text":"This is about five percent in bonds.","start":1246.4451,"end":1248.545,"sentiment":"positive","sentiment_score":0.35182335121291025},{"text":"Bonds are good for income producing.","start":1248.925,"end":1250.625,"sentiment":"positive","sentiment_score":0.6402435600757599},{"text":"We want income and dividends to be produced out of these investments that gets paid into your cash account, and then we reinvest that back into your portfolio for compounding effect.","start":1250.685,"end":1261.0499,"sentiment":"positive","sentiment_score":0.457668109286216},{"text":"And this is giving you exposure to both government and corporate funds as well as notes, and it's also giving you a small amount of international exposure into defensive assets as well, which is kind of cool.","start":1261.0499,"end":1272.635,"sentiment":"positive","sentiment_score":0.5195476855780627}],"sentiment":"positive","sentiment_score":0.4659678503707215,"num_words":91,"start":1243.4851,"end":1272.635},{"sentences":[{"text":"That is a lot to go through.","start":1273.575,"end":1275.655,"sentiment":"neutral","sentiment_score":0.0722086328480925},{"text":"Not everyone likes the investment side of things that much.","start":1275.655,"end":1278.935,"sentiment":"neutral","sentiment_score":-0.10195768401026725},{"text":"But did you have more questions?","start":1278.935,"end":1280.295,"sentiment":"neutral","sentiment_score":-0.022598314099013805},{"text":"Did you want me to delve into any of that a bit deeper for you?","start":1280.295,"end":1284.9299,"sentiment":"neutral","sentiment_score":-0.010854837795098623},{"text":"That's okay.","start":1286.03,"end":1286.85,"sentiment":"neutral","sentiment_score":0.1675036996603012}],"sentiment":"neutral","sentiment_score":-0.011938036559149623,"num_words":40,"start":1273.575,"end":1286.85},{"sentences":[{"text":"If you ever did, you're welcome to let me know.","start":1287.63,"end":1289.7899,"sentiment":"neutral","sentiment_score":0.310464009642601},{"text":"But it gives you a nice overview of where you can expect your funds to be invested.","start":1289.7899,"end":1293.65,"sentiment":"positive","sentiment_score":0.3714832532055238},{"text":"The green shows you what we're gonna be buying into, and then the last two columns, the target waiting and target balance, show you where you'll end up with how much roughly you need to investment at the end of it.","start":1294.19,"end":1304.455,"sentiment":"neutral","sentiment_score":0.1908701272999368},{"text":"Okay?","start":1304.455,"end":1304.955,"sentiment":"neutral","sentiment_score":0.12350979447364809},{"text":"Excellent.","start":1306.455,"end":1306.955,"sentiment":"positive","sentiment_score":0.45223402976989746}],"sentiment":"neutral","sentiment_score":0.25458963492086956,"num_words":70,"start":1287.63,"end":1306.955},{"sentences":[{"text":"Down on page number 20, we do also have the cash account side of things.","start":1308.0549,"end":1312.1,"sentiment":"neutral","sentiment_score":0.23970448672771455},{"text":"So at the moment within your cash account, you've got about 3% cash there.","start":1312.1,"end":1316.0399,"sentiment":"neutral","sentiment_score":0.20003255988870347},{"text":"Realistically, within Hub twenty four, we only wanna hold the minimum cash balance.","start":1316.1,"end":1319.94,"sentiment":"neutral","sentiment_score":0.17240467209082383},{"text":"We want most of your money to be invested within your portfolio working harder for you.","start":1319.94,"end":1324.4199,"sentiment":"neutral","sentiment_score":0.27610109373927116},{"text":"So we'll take $1,800 from the cash and reinvest that in the portfolio above, so you'll only hold the minimum cash balance.","start":1324.4199,"end":1331.9951,"sentiment":"neutral","sentiment_score":0.1905194033275951}],"sentiment":"neutral","sentiment_score":0.21557910311967135,"num_words":80,"start":1308.0549,"end":1331.9951},{"sentences":[{"text":"Okay?","start":1332.295,"end":1332.795,"sentiment":"neutral","sentiment_score":0.1094931811094284},{"text":"Excellent.","start":1334.6151,"end":1335.1151,"sentiment":"positive","sentiment_score":0.531740665435791},{"text":"That is essentially the bulk of the recommendations there.","start":1336.055,"end":1338.775,"sentiment":"positive","sentiment_score":0.40016236901283264},{"text":"I have also got in there a little stint around making sure that we are continuing the salary sacrifice.","start":1338.775,"end":1343.5701,"sentiment":"neutral","sentiment_score":0.2613159120082855},{"text":"You were happy with the salary sacrifice that you were doing and comfortable with that.","start":1343.63,"end":1347.55,"sentiment":"positive","sentiment_score":0.4151749630769094}],"sentiment":"positive","sentiment_score":0.3430071542660395,"num_words":45,"start":1332.295,"end":1347.55},{"sentences":[{"text":"I am recommending we continue to do so because that will essentially help in building your super long term Part of what, you know, part of yeah.","start":1347.55,"end":1356.545,"sentiment":"positive","sentiment_score":0.3356979886690776},{"text":"Part of essentially making super work harder is part of the investments, but it's also part of that making additional contributions to super.","start":1356.605,"end":1364.0651,"sentiment":"neutral","sentiment_score":0.18911631858867148},{"text":"Essentially, investments can only work so hard on their own, so additional contributions and money being invested in does provide a bit more of a super in growing and building over time.","start":1364.285,"end":1375.6499,"sentiment":"positive","sentiment_score":0.3722903858870268},{"text":"But if you ever decided you wanted to, you know, come back and review that, please do let me know.","start":1375.6499,"end":1380.95,"sentiment":"neutral","sentiment_score":0.12365391477942467},{"text":"On page number 22 there, we've outlined a little bit of a a table for you showing the salary sacrifice you are making, how it can sort of affect you, and I've got a best interest duty sort of knowing the benefits of salary sacrificing there for you.","start":1381.5449,"end":1395.62,"sentiment":"neutral","sentiment_score":0.08722161447318892}],"sentiment":"neutral","sentiment_score":0.21324352773527305,"num_words":150,"start":1347.55,"end":1395.62},{"sentences":[{"text":"Okay?","start":1395.68,"end":1396.18,"sentiment":"neutral","sentiment_score":0.023563746362924576},{"text":"Yep.","start":1396.72,"end":1397.22,"sentiment":"neutral","sentiment_score":0.002689669607207179},{"text":"Yeah.","start":1402.08,"end":1402.58,"sentiment":"neutral","sentiment_score":-0.06053661555051803},{"text":"Yes.","start":1407.76,"end":1408.125,"sentiment":"neutral","sentiment_score":-0.024282114580273628},{"text":"Mhmm.","start":1408.125,"end":1408.625,"sentiment":"neutral","sentiment_score":-0.00503619946539402}],"sentiment":"neutral","sentiment_score":-0.012720302725210787,"num_words":5,"start":1395.68,"end":1408.625},{"sentences":[{"text":"Yeah.","start":1414.3275,"end":1414.8275,"sentiment":"neutral","sentiment_score":-0.01567099243402481},{"text":"Yep.","start":1434.2101,"end":1434.675,"sentiment":"neutral","sentiment_score":-0.19785594940185547},{"text":"Mhmm.","start":1441.7151,"end":1442.2151,"sentiment":"neutral","sentiment_score":-0.1697520911693573},{"text":"Yeah.","start":1459.25,"end":1459.6499,"sentiment":"neutral","sentiment_score":-0.1250651627779007},{"text":"Yeah.","start":1459.6499,"end":1460.1499,"sentiment":"neutral","sentiment_score":-0.1352350115776062}],"sentiment":"neutral","sentiment_score":-0.1287158414721489,"num_words":5,"start":1414.3275,"end":1460.1499},{"sentences":[{"text":"Yeah.","start":1460.45,"end":1460.95,"sentiment":"neutral","sentiment_score":-0.27385300397872925},{"text":"Yeah.","start":1473.665,"end":1474.165,"sentiment":"neutral","sentiment_score":-0.17351898550987244},{"text":"What I yeah.","start":1477.11,"end":1480.25,"sentiment":"neutral","sentiment_score":-0.12831856310367584},{"text":"A return.","start":1481.27,"end":1482.01,"sentiment":"neutral","sentiment_score":-0.06898394785821438},{"text":"Yeah.","start":1483.35,"end":1483.85,"sentiment":"neutral","sentiment_score":-0.11501292884349824}],"sentiment":"neutral","sentiment_score":-0.13566356291994452,"num_words":8,"start":1460.45,"end":1483.85},{"sentences":[{"text":"No.","start":1484.47,"end":1484.97,"sentiment":"neutral","sentiment_score":-0.20839470624923703},{"text":"No.","start":1485.27,"end":1485.59,"sentiment":"neutral","sentiment_score":-0.20431016385555267},{"text":"Understandable.","start":1485.59,"end":1486.09,"sentiment":"neutral","sentiment_score":-0.12851037085056305},{"text":"So when you sort of think about your taxable income, the salary sacrifice going in reduces how much income tax you pay because the the money is deducted out of your income before your employer works at your salary works at your income tax.","start":1486.71,"end":1500.4249,"sentiment":"neutral","sentiment_score":-0.049569630487398667},{"text":"However, I have seen it happen in the past that because, obviously, the income tax being deducted is lower, your employer may not be deducting enough to cover the Medicare levy.","start":1501.09,"end":1510.9299,"sentiment":"neutral","sentiment_score":-0.19290652498602867}],"sentiment":"neutral","sentiment_score":-0.11156899047394593,"num_words":78,"start":1484.47,"end":1510.9299},{"sentences":[{"text":"So when you think about your total assessable income, when you do your tax return, your assessable income that the ATO assessed you on isn't necessarily just minus self tax.","start":1510.9299,"end":1522.5951,"sentiment":"neutral","sentiment_score":-0.1123420442144076},{"text":"They kind of add that back for your total gross assessable income.","start":1522.5951,"end":1527.175,"sentiment":"neutral","sentiment_score":-0.1934060441950957},{"text":"So it might be that your employer is not paying enough for your Medicare levy to cover that 2%, and then it could also be partly with the money sitting in your bank.","start":1527.4751,"end":1536.89,"sentiment":"neutral","sentiment_score":-0.2828181011207176},{"text":"Sorry.","start":1536.89,"end":1537.39,"sentiment":"neutral","sentiment_score":-0.17385265231132507},{"text":"Yeah.","start":1539.2899,"end":1539.7899,"sentiment":"neutral","sentiment_score":-0.1019330769777298}],"sentiment":"neutral","sentiment_score":-0.19870021977981964,"num_words":77,"start":1510.9299,"end":1539.7899},{"sentences":[{"text":"Mhmm.","start":1549.065,"end":1549.565,"sentiment":"negative","sentiment_score":-0.349910169839859},{"text":"Yeah.","start":1551.785,"end":1552.285,"sentiment":"neutral","sentiment_score":-0.3177289664745331},{"text":"Absolutely.","start":1553.865,"end":1554.365,"sentiment":"neutral","sentiment_score":-0.13475823402404785},{"text":"Yeah.","start":1561.07,"end":1561.57,"sentiment":"neutral","sentiment_score":-0.04156436026096344},{"text":"No.","start":1563.87,"end":1564.19,"sentiment":"neutral","sentiment_score":-0.16192322969436646}],"sentiment":"neutral","sentiment_score":-0.20117699205875397,"num_words":5,"start":1549.065,"end":1564.19},{"sentences":[{"text":"So you yeah.","start":1564.19,"end":1565.63,"sentiment":"neutral","sentiment_score":-0.02655382702747981},{"text":"It's a really good question.","start":1565.63,"end":1566.83,"sentiment":"neutral","sentiment_score":0.10437023341655731},{"text":"So having private health care doesn't weigh the Medicare levies as it is.","start":1566.83,"end":1571.675,"sentiment":"neutral","sentiment_score":0.03991436456831602},{"text":"It waives the extra surcharge that you would have to pay if your income is over a certain threshold and you don't have that extra cover.","start":1571.675,"end":1579.055,"sentiment":"neutral","sentiment_score":-0.05567210540175438},{"text":"But we all still technically pay 2% Medicare levy for our income.","start":1579.515,"end":1584.8099,"sentiment":"neutral","sentiment_score":-0.048018853180110455}],"sentiment":"neutral","sentiment_score":-0.018010585647770912,"num_words":59,"start":1564.19,"end":1584.8099},{"sentences":[{"text":"And I have seen it, like because the similar sort of thing happened to my mom recently where she was salary packaging, but the salary packaging, when you sort of weigh up the weigh it altogether, her employer just didn't deduct enough to cover the Medicare levy, and she got a a $600 bill at tax time because she hadn't paid enough and that had to be sort of added up.","start":1584.87,"end":1606.355,"sentiment":"neutral","sentiment_score":-0.2849719849690585},{"text":"So you could probably go back to your employer or even did your accountant do your tax return at all?","start":1606.655,"end":1611.63,"sentiment":"neutral","sentiment_score":-0.05211973693221807},{"text":"Yep.","start":1616.27,"end":1616.51,"sentiment":"neutral","sentiment_score":0.2414599657058716},{"text":"Yep.","start":1616.51,"end":1616.91,"sentiment":"neutral","sentiment_score":0.30886155366897583},{"text":"So it get you can always go and see an accountant or get them to kind of weigh up and do, like, a mock tax return for you, which sort of estimates what you might have to pay.","start":1616.91,"end":1626.85,"sentiment":"positive","sentiment_score":0.35155839982785675}],"sentiment":"neutral","sentiment_score":-0.05622797678331382,"num_words":131,"start":1584.87,"end":1626.85},{"sentences":[{"text":"And they can kind of work out what you need to pay as in, like, the Medicare levy.","start":1627.4249,"end":1631.9249,"sentiment":"neutral","sentiment_score":0.2727797230084737},{"text":"And just make sure your employer's, you know, withdrawing enough to cover the Medicare levy and the tax side of things.","start":1631.985,"end":1638.4049,"sentiment":"neutral","sentiment_score":0.19147960806176775},{"text":"You could also request you're right.","start":1638.7849,"end":1641.1699,"sentiment":"neutral","sentiment_score":0.12941237290700278},{"text":"Sorry.","start":1648.2699,"end":1648.7699,"sentiment":"neutral","sentiment_score":-0.24026675522327423},{"text":"Yeah.","start":1649.3099,"end":1649.8099,"sentiment":"neutral","sentiment_score":-0.15793763101100922}],"sentiment":"neutral","sentiment_score":0.1980718432905826,"num_words":47,"start":1627.4249,"end":1649.8099},{"sentences":[{"text":"No.","start":1654.4299,"end":1654.875,"sentiment":"neutral","sentiment_score":-0.1769174039363861},{"text":"Yeah.","start":1656.155,"end":1656.655,"sentiment":"neutral","sentiment_score":-0.05042372643947601},{"text":"Yeah.","start":1657.035,"end":1657.535,"sentiment":"neutral","sentiment_score":0.006658708676695824},{"text":"They definitely do, but there have been instances where the employer just hasn't deducted enough over the course of the year.","start":1658.795,"end":1664.975,"sentiment":"neutral","sentiment_score":-0.05962240695953369},{"text":"And sometimes salary packaging and salary sacrifice has a little bit of a hand in that.","start":1665.515,"end":1669.755,"sentiment":"neutral","sentiment_score":-0.12998964777216315}],"sentiment":"neutral","sentiment_score":-0.0888146833050996,"num_words":40,"start":1654.4299,"end":1669.755},{"sentences":[{"text":"So when you're having that that money taken out pretax, the amount your employer has to deduct for the income tax and the Medicare levy is lower.","start":1669.755,"end":1678.25,"sentiment":"neutral","sentiment_score":0.06380965008779808},{"text":"But then when it all gets added back in at the end of the financial year, the ACO add it up and they go, well, you You could always ask if they just deduct a little bit more, like an extra $5 a week or a fortnight or something just to make sure that they're deducting enough.","start":1678.39,"end":1695.6449,"sentiment":"neutral","sentiment_score":0.023440628132799214},{"text":"But the way I would sorta do it is go and see your accountant and just maybe get them to do, you know, do a bit of a mock tax return.","start":1696.2,"end":1703.1599,"sentiment":"neutral","sentiment_score":0.015213606819029777},{"text":"Be like, hey.","start":1703.1599,"end":1703.72,"sentiment":"neutral","sentiment_score":0.04024233544866244},{"text":"Look.","start":1703.72,"end":1703.96,"sentiment":"neutral","sentiment_score":0.04647476226091385}],"sentiment":"neutral","sentiment_score":0.03107394904148679,"num_words":119,"start":1669.755,"end":1703.96},{"sentences":[{"text":"This is what I did last year.","start":1703.96,"end":1705.58,"sentiment":"neutral","sentiment_score":0.055684713912861686},{"text":"This is what I'm doing this year.","start":1705.72,"end":1707.32,"sentiment":"neutral","sentiment_score":0.09844844149691719},{"text":"Can you estimate whether I'm gonna have a bill at the end of the financial year or whether I'm likely to have a bit of a return?","start":1707.32,"end":1713.335,"sentiment":"neutral","sentiment_score":0.06346410744030166},{"text":"Because an accountant can definitely do that for you, and they can help you to look at what sort of what tax you need to maybe increase or whether you need to maybe let your employer know to take a little bit more tax out.","start":1713.335,"end":1725.42,"sentiment":"neutral","sentiment_score":0.07621457030375799},{"text":"But I have seen that happen when it comes to salary sacrificing or salary packaging where it's just not enough to cover the tax or the the Medicare levy, and the people end up with a bill at the end of the day.","start":1725.42,"end":1737.715,"sentiment":"negative","sentiment_score":-0.37058347862127217}],"sentiment":"neutral","sentiment_score":-0.07529434828131004,"num_words":129,"start":1703.96,"end":1737.715},{"sentences":[{"text":"It could also be because you've earned quite a lot of income from your the cash in the bank as well.","start":1737.715,"end":1743.735,"sentiment":"neutral","sentiment_score":-0.1695751136257535},{"text":"It could just be a combination of those sorts of things.","start":1744.4349,"end":1747.255,"sentiment":"neutral","sentiment_score":-0.15253174982287668},{"text":"But, yeah, I have unfortunately seen that happen quite a lot, and it happened to my mom this year.","start":1747.83,"end":1752.07,"sentiment":"negative","sentiment_score":-0.3988061359054164},{"text":"And when I kind of went back to basics with her, I worked out it was her salary packaging that was causing the problem and that she just didn't pay enough to cover the Medicare levy for that year, and that's where the extra bill came from.","start":1752.07,"end":1768.5651,"sentiment":"negative","sentiment_score":-0.3502758763572003},{"text":"Yeah.","start":1769.265,"end":1769.765,"sentiment":"neutral","sentiment_score":-0.08211027085781097}],"sentiment":"neutral","sentiment_score":-0.29657898662668286,"num_words":99,"start":1737.715,"end":1769.765},{"sentences":[{"text":"Yeah.","start":1770.465,"end":1770.965,"sentiment":"neutral","sentiment_score":-0.06071411445736885},{"text":"So your employer contributions all get added back into your gross assessable income at tax time, and that all gets added back on to show how much you've actually earned, what your gross income is.","start":1771.265,"end":1782.79,"sentiment":"neutral","sentiment_score":-0.05066120017852102},{"text":"And they work out for everything you've earned is your gross, and then you've got your deductions, how much tax you've paid, and that shows your net, and they kind of work out whether you owe a bill from there or not.","start":1782.85,"end":1792.37,"sentiment":"neutral","sentiment_score":-0.08337565928342797},{"text":"So it's a little bit complex the way that the ACO do it.","start":1792.37,"end":1796.0449,"sentiment":"negative","sentiment_score":-0.5858966501859518},{"text":"It's definitely not fair because you think you're doing the right thing.","start":1796.0449,"end":1798.865,"sentiment":"negative","sentiment_score":-0.6801484649380048}],"sentiment":"neutral","sentiment_score":-0.20499098876002922,"num_words":103,"start":1770.465,"end":1798.865},{"sentences":[{"text":"But I have unfortunately seen it occur the way the way it's happened for you.","start":1799.405,"end":1803.325,"sentiment":"neutral","sentiment_score":-0.30316376611590384},{"text":"So it's definitely something I would talk to your accountant about.","start":1803.325,"end":1806.2101,"sentiment":"neutral","sentiment_score":0.05324349467727271},{"text":"Yeah.","start":1814.67,"end":1815.17,"sentiment":"neutral","sentiment_score":0.013642506673932076},{"text":"Yeah.","start":1818.27,"end":1818.77,"sentiment":"neutral","sentiment_score":-0.0630575567483902},{"text":"Yeah.","start":1825.6449,"end":1825.725,"sentiment":"neutral","sentiment_score":-0.2015192061662674}],"sentiment":"neutral","sentiment_score":-0.14526594160445805,"num_words":29,"start":1799.405,"end":1825.725},{"sentences":[{"text":"That's stressful.","start":1825.725,"end":1826.625,"sentiment":"negative","sentiment_score":-0.39124545454978943},{"text":"Yeah.","start":1828.765,"end":1829.265,"sentiment":"neutral","sentiment_score":-0.2744508683681488},{"text":"Correct.","start":1829.8049,"end":1830.3049,"sentiment":"neutral","sentiment_score":-0.1745551824569702},{"text":"Yeah.","start":1831.245,"end":1831.745,"sentiment":"neutral","sentiment_score":-0.0926753431558609},{"text":"No.","start":1832.8,"end":1833.3,"sentiment":"neutral","sentiment_score":-0.2234881967306137}],"sentiment":"neutral","sentiment_score":-0.25794341663519543,"num_words":6,"start":1825.725,"end":1833.3},{"sentences":[{"text":"No.","start":1834.24,"end":1834.48,"sentiment":"neutral","sentiment_score":-0.24036923050880432},{"text":"No.","start":1834.48,"end":1834.98,"sentiment":"neutral","sentiment_score":-0.21923062205314636},{"text":"Mhmm.","start":1839.84,"end":1840.34,"sentiment":"neutral","sentiment_score":-0.11493408679962158},{"text":"That's, yeah, that's correct.","start":1843.68,"end":1846.655,"sentiment":"neutral","sentiment_score":-0.021770835854113102},{"text":"Yeah.","start":1846.655,"end":1846.895,"sentiment":"neutral","sentiment_score":-0.003094073385000229}],"sentiment":"neutral","sentiment_score":-0.08308891952037811,"num_words":8,"start":1834.24,"end":1846.895},{"sentences":[{"text":"So the Medicare levy to 2%, that covers the cost of running and looking after Medicare.","start":1846.895,"end":1851.295,"sentiment":"neutral","sentiment_score":-0.005359994887840003},{"text":"So whilst we assume we get the health care for free, we technically don't.","start":1851.295,"end":1854.735,"sentiment":"neutral","sentiment_score":-0.08630353372011866},{"text":"We all pay for it as part of our tax.","start":1854.735,"end":1856.73,"sentiment":"neutral","sentiment_score":-0.07441355250775814},{"text":"Yep.","start":1857.69,"end":1858.19,"sentiment":"neutral","sentiment_score":-0.2823871076107025},{"text":"Yep.","start":1863.29,"end":1863.79,"sentiment":"neutral","sentiment_score":-0.16929017007350922}],"sentiment":"neutral","sentiment_score":-0.059281480786878435,"num_words":42,"start":1846.895,"end":1863.79},{"sentences":[{"text":"Yep.","start":1864.97,"end":1865.47,"sentiment":"neutral","sentiment_score":-0.14044639468193054},{"text":"Yep.","start":1869.9299,"end":1870.245,"sentiment":"neutral","sentiment_score":-0.1255938708782196},{"text":"Yep.","start":1875.765,"end":1876.265,"sentiment":"negative","sentiment_score":-0.3365856111049652},{"text":"Yep.","start":1882.725,"end":1883.07,"sentiment":"neutral","sentiment_score":-0.2499922811985016},{"text":"It's crazy.","start":1884.11,"end":1885.0099,"sentiment":"negative","sentiment_score":-0.34914806485176086}],"sentiment":"neutral","sentiment_score":-0.25848571459452313,"num_words":6,"start":1864.97,"end":1885.0099},{"sentences":[{"text":"Yeah.","start":1889.95,"end":1890.45,"sentiment":"neutral","sentiment_score":-0.2104279398918152},{"text":"Yeah.","start":1892.19,"end":1892.69,"sentiment":"neutral","sentiment_score":-0.13902130722999573},{"text":"No.","start":1892.83,"end":1893.1499,"sentiment":"neutral","sentiment_score":-0.27816134691238403},{"text":"I agree.","start":1893.1499,"end":1894.13,"sentiment":"negative","sentiment_score":-0.3675621598958969},{"text":"Yeah.","start":1894.83,"end":1895.325,"sentiment":"neutral","sentiment_score":0.05013655871152878}],"sentiment":"neutral","sentiment_score":-0.21876639251907667,"num_words":6,"start":1889.95,"end":1895.325},{"sentences":[{"text":"I agree with you on that one.","start":1895.485,"end":1897.005,"sentiment":"neutral","sentiment_score":0.13720238315207617},{"text":"Absolutely.","start":1897.005,"end":1897.505,"sentiment":"neutral","sentiment_score":0.08815020322799683},{"text":"My son doesn't get bulk billed for Medicare for a doctor's appointments anymore.","start":1897.6449,"end":1901.9049,"sentiment":"negative","sentiment_score":-0.436875772017699},{"text":"I have to pay a full for him and then claim it back, and it costs a $100 to take him for a fifteen minute doctor's appointment.","start":1902.445,"end":1908.51,"sentiment":"negative","sentiment_score":-0.4655212274304143},{"text":"It's pretty expensive.","start":1908.59,"end":1909.65,"sentiment":"negative","sentiment_score":-0.7724195718765259}],"sentiment":"negative","sentiment_score":-0.382689215827222,"num_words":51,"start":1895.485,"end":1909.65},{"sentences":[{"text":"Horrible, isn't it?","start":1910.1901,"end":1911.0701,"sentiment":"negative","sentiment_score":-0.4938594897588094},{"text":"We don't get much back.","start":1911.0701,"end":1912.27,"sentiment":"negative","sentiment_score":-0.5189261913299561},{"text":"So I understand your pain.","start":1912.27,"end":1914.59,"sentiment":"negative","sentiment_score":-0.34603421688079833},{"text":"It's not not very fair.","start":1914.59,"end":1915.95,"sentiment":"negative","sentiment_score":-0.5844211220741272},{"text":"They tax us and see us coming on absolutely everything.","start":1915.95,"end":1918.6901,"sentiment":"negative","sentiment_score":-0.4342571824789047}],"sentiment":"negative","sentiment_score":-0.4668234980532101,"num_words":28,"start":1910.1901,"end":1918.6901},{"sentences":[{"text":"Yep.","start":1921.15,"end":1921.65,"sentiment":"neutral","sentiment_score":0.02248084545135498},{"text":"It's completely up to you.","start":1925.745,"end":1927.105,"sentiment":"neutral","sentiment_score":0.13141726851463317},{"text":"The last sort of sections there are just about making sure that you do seek the services of a solicitor and update your will, power of attorneys, and things like that.","start":1927.105,"end":1934.7051,"sentiment":"neutral","sentiment_score":0.0736598597178536},{"text":"Just making sure all of those documents are up to date and and relevant there for you.","start":1934.7051,"end":1939.17,"sentiment":"neutral","sentiment_score":0.15264828371651032},{"text":"I also just wanted to direct you down to, if you can, to page number 32, and this just outlines that remuneration side of things.","start":1939.55,"end":1947.55,"sentiment":"neutral","sentiment_score":0.10409139811992646}],"sentiment":"neutral","sentiment_score":0.10329529892983316,"num_words":79,"start":1921.15,"end":1947.55},{"sentences":[{"text":"So remember I talked about the ongoing service fee, but did you a solid and reduced it down to 1.10% there for you.","start":1947.55,"end":1955.465,"sentiment":"neutral","sentiment_score":0.11080969983468884},{"text":"And this page shows you that percentage so you can see it nice and clearly, and it shows as per the above table that we expected to be $1,219 for the year there.","start":1956.245,"end":1967.445,"sentiment":"neutral","sentiment_score":0.17841883906812378},{"text":"Okay?","start":1967.445,"end":1967.82,"sentiment":"neutral","sentiment_score":0.05579185485839844},{"text":"Okay?","start":1969.58,"end":1969.82,"sentiment":"neutral","sentiment_score":0.05710010230541229},{"text":"Excellent.","start":1969.82,"end":1970.32,"sentiment":"positive","sentiment_score":0.4173017740249634}],"sentiment":"neutral","sentiment_score":0.15197692401075769,"num_words":59,"start":1947.55,"end":1970.32},{"sentences":[{"text":"Underneath that, we just like to be open and clear with everything.","start":1970.7799,"end":1973.7599,"sentiment":"neutral","sentiment_score":0.21807422240575156},{"text":"So because you've got your Zurich insurance policy, we do receive we can see the policy.","start":1973.8999,"end":1979.1,"sentiment":"neutral","sentiment_score":0.18288531713187695},{"text":"It is sort of looked after by us as well where the adviser's noted on the policy.","start":1979.1,"end":1982.88,"sentiment":"neutral","sentiment_score":0.16407093843993018},{"text":"So we do receive remuneration on that.","start":1983.315,"end":1985.3949,"sentiment":"neutral","sentiment_score":0.17726320028305054},{"text":"We do receive 22% ongoing per year for the premiums there.","start":1985.3949,"end":1990.215,"sentiment":"neutral","sentiment_score":0.2219234759157354}],"sentiment":"neutral","sentiment_score":0.19070257672241755,"num_words":63,"start":1970.7799,"end":1990.215},{"sentences":[{"text":"We just like to be open and disclose that to you so you're fully aware, but it has no effect on my recommendations.","start":1990.595,"end":1996.135,"sentiment":"neutral","sentiment_score":0.15644311872513397},{"text":"We're retaining that policy and keeping it as it is because it suited your needs at the moment, but we will review that moving down the track.","start":1996.5149,"end":2004.12,"sentiment":"neutral","sentiment_score":0.28295977579222786},{"text":"And should you wanna make alterations or change the policy, we will.","start":2004.12,"end":2008.68,"sentiment":"neutral","sentiment_score":0.1582287292306622},{"text":"It'll be all about your goals and what's right for you and in your best interest.","start":2008.68,"end":2012.155,"sentiment":"positive","sentiment_score":0.42041986249387264},{"text":"It'll have nothing to do with remuneration side of things for me.","start":2012.155,"end":2015.035,"sentiment":"neutral","sentiment_score":0.021619366171459358}],"sentiment":"neutral","sentiment_score":0.2235888957977295,"num_words":90,"start":1990.595,"end":2015.035},{"sentences":[{"text":"So I don't receive any of that.","start":2015.035,"end":2016.395,"sentiment":"neutral","sentiment_score":-0.1783126656498228},{"text":"That goes to the company, and I receive a wage for doing what I do.","start":2016.395,"end":2020.555,"sentiment":"neutral","sentiment_score":-0.03872537364562353},{"text":"So, I just like to be open and honest and clear with you and show you that so you're fully aware.","start":2020.555,"end":2025.77,"sentiment":"neutral","sentiment_score":0.21947249823382922},{"text":"Okay?","start":2025.99,"end":2026.49,"sentiment":"neutral","sentiment_score":0.1666528731584549},{"text":"Excellent.","start":2027.51,"end":2028.01,"sentiment":"positive","sentiment_score":0.660675048828125}],"sentiment":"neutral","sentiment_score":0.08015958045919737,"num_words":45,"start":2015.035,"end":2028.01},{"sentences":[{"text":"So you're welcome to take it back and have a good read to the document if you would like to.","start":2028.15,"end":2032.65,"sentiment":"positive","sentiment_score":0.5689648777246475},{"text":"If you're happy to sign to take on the recommendations, you're more than welcome to as well.","start":2033.03,"end":2037.67,"sentiment":"positive","sentiment_score":0.48478424023179445},{"text":"It's completely up to you.","start":2037.67,"end":2039.265,"sentiment":"positive","sentiment_score":0.41902207732200625},{"text":"Once you've signed this document, the next document it does take you to is the ongoing service agreement for this next twelve months there.","start":2039.8251,"end":2047.265,"sentiment":"neutral","sentiment_score":0.20756321027874947},{"text":"And by signing that document, you are agreeing to the ongoing service fee and the percentage of 1.10%.","start":2047.265,"end":2053.59,"sentiment":"neutral","sentiment_score":0.1545042118264569}],"sentiment":"positive","sentiment_score":0.3509325343405917,"num_words":84,"start":2028.15,"end":2053.59},{"sentences":[{"text":"Okay?","start":2053.99,"end":2054.49,"sentiment":"neutral","sentiment_score":0.09218745678663254},{"text":"Excellent.","start":2055.75,"end":2056.25,"sentiment":"neutral","sentiment_score":-0.26617807149887085},{"text":"Oh, yeah.","start":2057.75,"end":2061.03,"sentiment":"neutral","sentiment_score":-0.12381455954164267},{"text":"You're right.","start":2061.03,"end":2061.85,"sentiment":"neutral","sentiment_score":-0.005906349513679743},{"text":"Yep.","start":2065.51,"end":2066.01,"sentiment":"neutral","sentiment_score":0.011826511472463608}],"sentiment":"neutral","sentiment_score":-0.060229417335774214,"num_words":7,"start":2053.99,"end":2066.01},{"sentences":[{"text":"And that's the one, and it will give you an option.","start":2068.0151,"end":2072.815,"sentiment":"neutral","sentiment_score":0.04863123240118677},{"text":"It should bring up a signature if you're happy for it to just prepopulate for you.","start":2072.815,"end":2077.135,"sentiment":"neutral","sentiment_score":0.08254745020531118},{"text":"Yep.","start":2077.135,"end":2077.635,"sentiment":"neutral","sentiment_score":0.07694561034440994},{"text":"Next.","start":2079.455,"end":2079.9,"sentiment":"neutral","sentiment_score":0.08425357937812805},{"text":"Beautiful.","start":2080.14,"end":2080.64,"sentiment":"neutral","sentiment_score":0.24876399338245392}],"sentiment":"neutral","sentiment_score":0.07552219809343418,"num_words":30,"start":2068.0151,"end":2080.64},{"sentences":[{"text":"Yep.","start":2084.14,"end":2084.64,"sentiment":"neutral","sentiment_score":0.08230680227279663},{"text":"Perfect.","start":2088.0598,"end":2088.5598,"sentiment":"neutral","sentiment_score":0.22003930807113647},{"text":"Yep.","start":2093.8198,"end":2094.3198,"sentiment":"neutral","sentiment_score":0.034880973398685455},{"text":"That makes sense.","start":2096.375,"end":2097.4949,"sentiment":"neutral","sentiment_score":0.03834644891321659},{"text":"Yeah.","start":2097.4949,"end":2097.9949,"sentiment":"neutral","sentiment_score":0.04631083831191063}],"sentiment":"neutral","sentiment_score":0.07122532411345414,"num_words":7,"start":2084.14,"end":2097.9949},{"sentences":[{"text":"I always thought with this system when it says sign all, it should just automatically sign all, but it's sort of one document at a time.","start":2098.135,"end":2104.9548,"sentiment":"neutral","sentiment_score":0.03727027426402156},{"text":"Let's wonderful.","start":2111.65,"end":2112.95,"sentiment":"neutral","sentiment_score":0.33156661316752434},{"text":"Thank you so much for that.","start":2113.41,"end":2114.7698,"sentiment":"positive","sentiment_score":0.5843069354693095},{"text":"You will have a copy there that you can download if you would like to.","start":2114.7698,"end":2117.49,"sentiment":"neutral","sentiment_score":0.22809208631515504},{"text":"And if you do need a copy, my team are more than welcome are more than happy to also email you through a copy there as well.","start":2117.49,"end":2123.8948,"sentiment":"neutral","sentiment_score":0.3128418563692658}],"sentiment":"neutral","sentiment_score":0.22376464982517064,"num_words":76,"start":2098.135,"end":2123.8948},{"sentences":[{"text":"But thank you so much for your time today.","start":2123.8948,"end":2126.375,"sentiment":"positive","sentiment_score":0.7806609902116988},{"text":"I've really enjoyed putting this together for you.","start":2126.375,"end":2128.4548,"sentiment":"positive","sentiment_score":0.9024550765752792},{"text":"We'll do a catch up in six months to see how things are tracking there for you.","start":2128.4548,"end":2133.095,"sentiment":"positive","sentiment_score":0.5483825013918036},{"text":"And if you find you have any questions or need anything in the meantime, please let me know.","start":2133.095,"end":2137.2698,"sentiment":"neutral","sentiment_score":0.31125228189759785},{"text":"I'm more than happy to make extra time to follow-up and see how everything's tracking for you.","start":2137.2698,"end":2141.5098,"sentiment":"positive","sentiment_score":0.5837300156845766}],"sentiment":"positive","sentiment_score":0.5665803389704746,"num_words":69,"start":2123.8948,"end":2141.5098},{"sentences":[{"text":"Okay?","start":2141.5098,"end":2142.0098,"sentiment":"neutral","sentiment_score":0.2179558128118515},{"text":"Thank thank you so much for your time.","start":2143.75,"end":2145.99,"sentiment":"positive","sentiment_score":0.7428994029760361},{"text":"I hope you enjoy your day.","start":2145.99,"end":2147.5098,"sentiment":"positive","sentiment_score":0.7890031735102335},{"text":"I hope your son has fun at his transition day.","start":2147.5098,"end":2150.3298,"sentiment":"positive","sentiment_score":0.6040022075176239},{"text":"Well, Dave.","start":2153.761,"end":2154.241,"sentiment":"neutral","sentiment_score":0.22668235003948212}],"sentiment":"positive","sentiment_score":0.6440206241828424,"num_words":27,"start":2141.5098,"end":2154.241},{"sentences":[{"text":"Thanks, Camilla.","start":2154.241,"end":2155.1208,"sentiment":"positive","sentiment_score":0.5452719330787659},{"text":"See you later.","start":2155.1208,"end":2156.021,"sentiment":"positive","sentiment_score":0.4208518962065379},{"text":"Bye.","start":2156.5608,"end":2157.0608,"sentiment":"neutral","sentiment_score":0.16496232151985168}],"sentiment":"positive","sentiment_score":0.4196769793828328,"num_words":6,"start":2154.241,"end":2157.0608}]}}]},{"alternatives":[{"transcript":"Good. Thanks. Yep. That's fine. Yep. Yep. Camila barrett camilabarrett@icloud.com. Did you say did you say email? Address. Address. 36 McBay Street, Pimpama, and 16th Of The 1277. Busy busy working. Sort of. I'm working from home today because my son's got a he starts high school next year, and they've got a they've got a day, like an orientation kinda day at the school. So I gotta I gotta drop him off and pick him up today, which is outside of my normal work hours. So, yeah, so that I'm trying to be productive here. Yeah. Mhmm. Let me check. Yes. Got that. Donna. Yep. SkyUPID device. Mhmm. Yeah. Uh-huh. Mhmm. Yep. Yep. Yep. Yep. Yep. Strategy recommendations. Yep. Yep. Yep. Yes. Yep. Okay. Yeah. Yep. No. I don't really understand it all, to be honest. Can you just say what you said again? Sorry. I was I'm gonna admit I was looking at a team chat for work thinking what do you want now because I'm supposed to be working. You know what I mean? Anyway, I'm listening. You have my full attention. Yeah. Uh-huh. I know. Yep. Oh, yeah. It does. Helps when you listen. I was like, how am I gonna wing this I wasn't listening properly to when you were live. What did you want me to explain that? I I yeah. Anyway. No worries. Yeah. And my you know how I mentioned that Bart was my brother, any discount, so they they're not part of these totals? Is that separate? Yep. Well, where do I see that fee? That's not in the charts that we're looking at currently, is it? That must be a different section. Okay. Is that at the 1.1%? Okay. And what would it what would it normally be? Oh, yeah. So what does that equate to that I'm saving? Like like five is that, like, $500 a year or something? Yeah. Okay. Cool. Yeah. Yeah. Mhmm. Mhmm. Yep. Yep. How you're alright. How often do you go in yourself and have a look at them? Is it, like, once a year? Oh, it's okay. Okay. Yeah. Let's do that. No. I don't think so. Mhmm. Mhmm. Yep. Yes. Yes. Yep. No. It's okay. Yeah. Yeah. Yep. Yeah. I'll keep that as is. Mhmm. Yeah. I'm related to you, but I just I don't know how it works. I did my tax last week. And last last year, I did my tax. I still ended up with a $300 bill. And you think to yourself, how? One, like, I know Centrelink's different, but I estimate 85 or even a 100. I don't know. I overestimate with Centrelink, so I never have an issue with them. But when it comes to yeah. So I just don't get it. Like, I don't understand why, especially now when the salary sacrifice comes off my total, total income is theoretically 72 if you don't add on the salary sacrifice. So that, from what I would believe, is supposed to bring my tax bracket down. How on earth am I still owing they did say to me I had money in a bank. Like, I've I've got a 100 in a bank, and that that incurred almost $5,000 worth of income, which sucks. So you put it in a bank to earn money, and then they take it off you anyway. Like, that's that's sucks in itself. But the thing is 72,000 plus an extra 5,000 is still only 77,000. How on earth am I managing to still have a $600 tax bill? I just my brain can't even fathom how that's possible. Let alone, like, getting a return back. Like, I'm I was expecting a return like I was last year. I just don't understand how it works. Yep. So so that has confused me that that the the med you're right. The Medicare levy has does that have anything to do with the private health where you you get some sort of because I swear like, I pay for private health as well, which is debilitatingly crippling in a financial situation, yet I've had that for a million years. And I swear on those forms that you get at tax time, aren't you waived that Medicare levy surcharge? I don't understand. I just go to income tax professionals. So as yeah. As as an employer, don't they get told what the correct amount is that they should be? Like, usually, it's not something the employee has to tell them what to do. I thought they have structured guidelines of the amount they've got a tax. Yeah. I thought having the salary sacrifice was gonna do me a favor in paying less tax. Yeah. Yeah. And where's the where's where's the incentive in banking money with a high interest so you can grow your little bit of money that you've got if you then gotta classify that as an income? Like, well, there's no point. Like, you I don't know. I just I don't see the I don't know. You put it in the bank to make more money, but then you'll have money taken off you for that. So it's not as grand as what it seems. And and the and the Medicare levy, is that, like, a levy surcharge that we pay for everything Medicare related that we get that's both billed? Because, obviously, someone's gotta pay for that. We're technically done. And you know what? The crazy thing is in the last eighteen months, doctors have still been charging a fee. So for instance, what was both billing now cost me $84, and I tap once, pay $84, tap again, and I get $42 back. So every doctor's appointment is now costing me an extra $40 times however many doctor's appointments in a year, that extra. So shouldn't that shouldn't everything just be bulk billed if we're being charged for it in the levy? I don't really understand how that is fair or works because wages don't go up. I know. It's ridiculous. I know. I know. Anyway alright. Did you want me to sign now? We up to that part? Yes. Okay. Yep. Yeah. Yep. Yep. The thing wasn't loading. It wasn't working for me. I'm gonna I'm gonna go into it again. I just want to start. So what do I do? I click to start and then do I I click sign all? Yeah. Yeah. Then it says next. Next document. Yeah. Next document. Now it's saying click to start again. Is that right? Yeah. Must be the other spot with the signature that you were talking about. Yeah. Everything. Yeah. It says, now I've got a ticket signed. You'll get the signed document by email. So I must have done it. No worries. No worries. Alright. Thanks, Sarah. Thank you. Talk to you soon. Thank you. Bye bye. 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Thanks. Yep. That's fine. Yep.\n\nYep. Camila barrett camilabarrett@icloud.com. Did you say did you say email? Address. Address.\n\n36 McBay Street, Pimpama, and 16th Of The 1277. Busy busy working. Sort of. I'm working from home today because my son's got a he starts high school next year, and they've got a they've got a day, like an orientation kinda day at the school. So I gotta I gotta drop him off and pick him up today, which is outside of my normal work hours.\n\nSo, yeah, so that I'm trying to be productive here. Yeah. Mhmm. Let me check. Yes.\n\nGot that. Donna. Yep. SkyUPID device. Mhmm.\n\nYeah. Uh-huh. Mhmm. Yep. Yep.\n\nYep. Yep. Yep. Strategy recommendations. Yep.\n\nYep. Yep. Yes. Yep. Okay.\n\nYeah. Yep. No. I don't really understand it all, to be honest. Can you just say what you said again?\n\nSorry. I was I'm gonna admit I was looking at a team chat for work thinking what do you want now because I'm supposed to be working. You know what I mean? Anyway, I'm listening. You have my full attention.\n\nYeah. Uh-huh. I know. Yep. Oh, yeah.\n\nIt does. Helps when you listen. I was like, how am I gonna wing this I wasn't listening properly to when you were live. What did you want me to explain that? I I yeah.\n\nAnyway. No worries. Yeah. And my you know how I mentioned that Bart was my brother, any discount, so they they're not part of these totals? Is that separate?\n\nYep. Well, where do I see that fee? That's not in the charts that we're looking at currently, is it? That must be a different section. Okay.\n\nIs that at the 1.1%? Okay. And what would it what would it normally be? Oh, yeah. So what does that equate to that I'm saving?\n\nLike like five is that, like, $500 a year or something? Yeah. Okay. Cool. Yeah.\n\nYeah. Mhmm. Mhmm. Yep. Yep.\n\nHow you're alright. How often do you go in yourself and have a look at them? Is it, like, once a year? Oh, it's okay. Okay.\n\nYeah. Let's do that. No. I don't think so. Mhmm.\n\nMhmm. Yep. Yes. Yes. Yep.\n\nNo. It's okay. Yeah. Yeah. Yep.\n\nYeah. I'll keep that as is. Mhmm. Yeah. I'm related to you, but I just I don't know how it works.\n\nI did my tax last week. And last last year, I did my tax. I still ended up with a $300 bill. And you think to yourself, how? One, like, I know Centrelink's different, but I estimate 85 or even a 100.\n\nI don't know. I overestimate with Centrelink, so I never have an issue with them. But when it comes to yeah. So I just don't get it. Like, I don't understand why, especially now when the salary sacrifice comes off my total, total income is theoretically 72 if you don't add on the salary sacrifice.\n\nSo that, from what I would believe, is supposed to bring my tax bracket down. How on earth am I still owing they did say to me I had money in a bank. Like, I've I've got a 100 in a bank, and that that incurred almost $5,000 worth of income, which sucks. So you put it in a bank to earn money, and then they take it off you anyway. Like, that's that's sucks in itself.\n\nBut the thing is 72,000 plus an extra 5,000 is still only 77,000. How on earth am I managing to still have a $600 tax bill? I just my brain can't even fathom how that's possible. Let alone, like, getting a return back. Like, I'm I was expecting a return like I was last year.\n\nI just don't understand how it works. Yep. So so that has confused me that that the the med you're right. The Medicare levy has does that have anything to do with the private health where you you get some sort of because I swear like, I pay for private health as well, which is debilitatingly crippling in a financial situation, yet I've had that for a million years. And I swear on those forms that you get at tax time, aren't you waived that Medicare levy surcharge?\n\nI don't understand. I just go to income tax professionals. So as yeah. As as an employer, don't they get told what the correct amount is that they should be? Like, usually, it's not something the employee has to tell them what to do.\n\nI thought they have structured guidelines of the amount they've got a tax. Yeah. I thought having the salary sacrifice was gonna do me a favor in paying less tax. Yeah. Yeah.\n\nAnd where's the where's where's the incentive in banking money with a high interest so you can grow your little bit of money that you've got if you then gotta classify that as an income? Like, well, there's no point. Like, you I don't know. I just I don't see the I don't know. You put it in the bank to make more money, but then you'll have money taken off you for that.\n\nSo it's not as grand as what it seems. And and the and the Medicare levy, is that, like, a levy surcharge that we pay for everything Medicare related that we get that's both billed? Because, obviously, someone's gotta pay for that. We're technically done. And you know what?\n\nThe crazy thing is in the last eighteen months, doctors have still been charging a fee. So for instance, what was both billing now cost me $84, and I tap once, pay $84, tap again, and I get $42 back. So every doctor's appointment is now costing me an extra $40 times however many doctor's appointments in a year, that extra. So shouldn't that shouldn't everything just be bulk billed if we're being charged for it in the levy? I don't really understand how that is fair or works because wages don't go up.\n\nI know. It's ridiculous. I know. I know. Anyway alright.\n\nDid you want me to sign now? We up to that part? Yes. Okay. Yep.\n\nYeah. Yep. Yep. The thing wasn't loading. It wasn't working for me.\n\nI'm gonna I'm gonna go into it again. I just want to start. So what do I do? I click to start and then do I I click sign all? Yeah.\n\nYeah. Then it says next. Next document. Yeah. Next document.\n\nNow it's saying click to start again. Is that right? Yeah. Must be the other spot with the signature that you were talking about. Yeah.\n\nEverything. Yeah. It says, now I've got a ticket signed. You'll get the signed document by email. So I must have done it.\n\nNo worries. No worries. Alright. Thanks, Sarah. Thank you.\n\nTalk to you soon. Thank you. Bye bye. Bye.","paragraphs":[{"sentences":[{"text":"Good.","start":7.2,"end":7.44,"sentiment":"positive","sentiment_score":0.6037395000457764},{"text":"Thanks.","start":7.44,"end":7.94,"sentiment":"positive","sentiment_score":0.690333902835846},{"text":"Yep.","start":14.32,"end":14.639999,"sentiment":"neutral","sentiment_score":0.19763122498989105},{"text":"That's fine.","start":14.639999,"end":15.46,"sentiment":"positive","sentiment_score":0.3603205233812332},{"text":"Yep.","start":23.105,"end":23.605,"sentiment":"neutral","sentiment_score":0.1690128743648529}],"sentiment":"positive","sentiment_score":0.39689309149980545,"num_words":6,"start":7.2,"end":23.605},{"sentences":[{"text":"Yep.","start":35.49,"end":35.99,"sentiment":"neutral","sentiment_score":0.20966610312461853},{"text":"Camila barrett camilabarrett@icloud.com.","start":47.395,"end":52.375,"sentiment":"neutral","sentiment_score":0.031680285930633545},{"text":"Did you say did you say email?","start":53.555,"end":56.215,"sentiment":"neutral","sentiment_score":0.0029565029378448215},{"text":"Address.","start":59.77,"end":60.25,"sentiment":"neutral","sentiment_score":-0.0060343388468027115},{"text":"Address.","start":60.25,"end":60.75,"sentiment":"neutral","sentiment_score":0.0014209323562681675}],"sentiment":"neutral","sentiment_score":0.02467608269160757,"num_words":13,"start":35.49,"end":60.75},{"sentences":[{"text":"36 McBay Street, Pimpama, and 16th Of The 1277.","start":61.129997,"end":66.909996,"sentiment":"neutral","sentiment_score":0.018484061376916036},{"text":"Busy busy working.","start":74.965,"end":76.345,"sentiment":"neutral","sentiment_score":-0.08578285078207652},{"text":"Sort of.","start":82.244995,"end":82.645,"sentiment":"neutral","sentiment_score":-0.02438409347087145},{"text":"I'm working from home today because my son's got a he starts high school next year, and they've got a they've got a day, like an orientation kinda day at the school.","start":82.645,"end":92.990005,"sentiment":"neutral","sentiment_score":-0.0012102941473131068},{"text":"So I gotta I gotta drop him off and pick him up today, which is outside of my normal work hours.","start":92.990005,"end":98.850006,"sentiment":"neutral","sentiment_score":-0.030794129573873112}],"sentiment":"neutral","sentiment_score":-0.012315915233747506,"num_words":67,"start":61.129997,"end":98.850006},{"sentences":[{"text":"So, yeah, so that I'm trying to be productive here.","start":99.23,"end":104.665,"sentiment":"neutral","sentiment_score":0.058919471502304074},{"text":"Yeah.","start":106.885,"end":107.385,"sentiment":"neutral","sentiment_score":-0.018388964235782623},{"text":"Mhmm.","start":124.329994,"end":124.829994,"sentiment":"neutral","sentiment_score":0.18674659729003903},{"text":"Let me check.","start":130.495,"end":131.315,"sentiment":"neutral","sentiment_score":0.0785555603603522},{"text":"Yes.","start":133.295,"end":133.795,"sentiment":"neutral","sentiment_score":0.3193022906780243}],"sentiment":"neutral","sentiment_score":0.08203258248977363,"num_words":16,"start":99.23,"end":133.795},{"sentences":[{"text":"Got that.","start":133.935,"end":134.755,"sentiment":"positive","sentiment_score":0.453162282705307},{"text":"Donna.","start":137.05501,"end":137.55501,"sentiment":"neutral","sentiment_score":0.23642125725746155},{"text":"Yep.","start":148.06999,"end":148.56999,"sentiment":"neutral","sentiment_score":0.07405626773834229},{"text":"SkyUPID 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recommendations.","start":320.36002,"end":321.42,"sentiment":"neutral","sentiment_score":0.1330665722489357},{"text":"Yep.","start":364.995,"end":365.495,"sentiment":"neutral","sentiment_score":0.137822687625885}],"sentiment":"neutral","sentiment_score":0.13041355709234873,"num_words":6,"start":279.805,"end":365.495},{"sentences":[{"text":"Yep.","start":393.79498,"end":394.29498,"sentiment":"neutral","sentiment_score":0.31994563341140747},{"text":"Yep.","start":400.98,"end":401.48,"sentiment":"neutral","sentiment_score":0.12916749715805054},{"text":"Yes.","start":435.345,"end":435.845,"sentiment":"neutral","sentiment_score":0.3265705108642578},{"text":"Yep.","start":458.13,"end":458.63,"sentiment":"positive","sentiment_score":0.35866448283195496},{"text":"Okay.","start":480.38,"end":480.88,"sentiment":"neutral","sentiment_score":0.07251343131065369}],"sentiment":"neutral","sentiment_score":0.2413723111152649,"num_words":5,"start":393.79498,"end":480.88},{"sentences":[{"text":"Yeah.","start":490.79498,"end":491.29498,"sentiment":"neutral","sentiment_score":0.26364463567733765},{"text":"Yep.","start":585.15,"end":585.65,"sentiment":"neutral","sentiment_score":0.14537540078163147},{"text":"No.","start":655.725,"end":655.88495,"sentiment":"neutral","sentiment_score":-0.23215225338935852},{"text":"I don't really understand it all, to be honest.","start":655.88495,"end":658.305,"sentiment":"neutral","sentiment_score":-0.3290139436721802},{"text":"Can you just say what you said again?","start":665.88495,"end":668.60004,"sentiment":"neutral","sentiment_score":-0.006128688342869282}],"sentiment":"neutral","sentiment_score":-0.14166436083614825,"num_words":20,"start":490.79498,"end":668.60004},{"sentences":[{"text":"Sorry.","start":668.74,"end":669.06,"sentiment":"neutral","sentiment_score":-0.11322015523910522},{"text":"I was I'm gonna admit I was looking at a team chat for work thinking what do you want now because I'm supposed to be working.","start":669.06,"end":676.26,"sentiment":"neutral","sentiment_score":-0.18085024849726603},{"text":"You know what I mean?","start":676.26,"end":677.32,"sentiment":"neutral","sentiment_score":-0.13338735699653625},{"text":"Anyway, I'm listening.","start":677.54004,"end":678.68,"sentiment":"neutral","sentiment_score":0.22606215750177702},{"text":"You have my full attention.","start":679.06,"end":680.44,"sentiment":"positive","sentiment_score":0.4178632616996765}],"sentiment":"neutral","sentiment_score":-0.06786901550367475,"num_words":40,"start":668.74,"end":680.44},{"sentences":[{"text":"Yeah.","start":688.645,"end":689.145,"sentiment":"neutral","sentiment_score":0.139088436961174},{"text":"Uh-huh.","start":714.835,"end":715.335,"sentiment":"neutral","sentiment_score":0.029120562598109245},{"text":"I know.","start":734.41,"end":735.07,"sentiment":"neutral","sentiment_score":0.026415572501718998},{"text":"Yep.","start":739.13,"end":739.63,"sentiment":"neutral","sentiment_score":0.02185935340821743},{"text":"Oh, yeah.","start":745.695,"end":746.895,"sentiment":"neutral","sentiment_score":0.02956405095756054}],"sentiment":"neutral","sentiment_score":0.043146799983722825,"num_words":7,"start":688.645,"end":746.895},{"sentences":[{"text":"It does.","start":746.895,"end":747.635,"sentiment":"neutral","sentiment_score":0.05198931694030762},{"text":"Helps when you listen.","start":748.09503,"end":749.315,"sentiment":"neutral","sentiment_score":0.11067837104201317},{"text":"I was like, how am I gonna wing this I wasn't listening properly to when you were live.","start":752.975,"end":758.44,"sentiment":"neutral","sentiment_score":-0.04399110645883613},{"text":"What did you want me to explain that?","start":758.44,"end":760.27997,"sentiment":"neutral","sentiment_score":-0.010023722425103188},{"text":"I I 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separate?","start":809.04504,"end":809.945,"sentiment":"neutral","sentiment_score":-0.0027008540928363804}],"sentiment":"neutral","sentiment_score":0.0385735135862668,"num_words":29,"start":761.48,"end":809.945},{"sentences":[{"text":"Yep.","start":812.41003,"end":812.91003,"sentiment":"neutral","sentiment_score":0.10345357656478882},{"text":"Well, where do I see that fee?","start":864.045,"end":866.31,"sentiment":"neutral","sentiment_score":-0.0005149665687765389},{"text":"That's not in the charts that we're looking at currently, is it?","start":866.31,"end":869.27,"sentiment":"neutral","sentiment_score":-0.035306042060256004},{"text":"That must be a different section.","start":869.27,"end":870.89,"sentiment":"neutral","sentiment_score":-0.029900821236272652},{"text":"Okay.","start":890.685,"end":891.185,"sentiment":"neutral","sentiment_score":0.024639707058668137}],"sentiment":"neutral","sentiment_score":-0.017725515351803216,"num_words":27,"start":812.41003,"end":891.185},{"sentences":[{"text":"Is that at the 1.1%?","start":891.47003,"end":893.81,"sentiment":"neutral","sentiment_score":0.009203870594501496},{"text":"Okay.","start":898.11,"end":898.61,"sentiment":"neutral","sentiment_score":0.07863625884056091},{"text":"And what would it what would it normally be?","start":899.95,"end":902.37,"sentiment":"neutral","sentiment_score":0.005395818191270034},{"text":"Oh, yeah.","start":905.55,"end":906.195,"sentiment":"neutral","sentiment_score":0.05170368403196335},{"text":"So what does that equate to that I'm 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you're alright.","start":1046.6549,"end":1047.695,"sentiment":"neutral","sentiment_score":-0.009911150050659975},{"text":"How often do you go in yourself and have a look at them?","start":1047.695,"end":1050.6549,"sentiment":"neutral","sentiment_score":-0.0028098179743840145},{"text":"Is it, like, once a year?","start":1050.6549,"end":1052.115,"sentiment":"neutral","sentiment_score":0.0013844251322249572},{"text":"Oh, it's okay.","start":1053.455,"end":1054.4349,"sentiment":"neutral","sentiment_score":0.0012198689704140027},{"text":"Okay.","start":1060.575,"end":1061.075,"sentiment":"neutral","sentiment_score":0.03892306610941887}],"sentiment":"neutral","sentiment_score":-0.0005912253848062112,"num_words":26,"start":1046.6549,"end":1061.075},{"sentences":[{"text":"Yeah.","start":1076.2949,"end":1076.5349,"sentiment":"neutral","sentiment_score":0.0410572774708271},{"text":"Let's do 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okay.","start":1284.29,"end":1285.11,"sentiment":"neutral","sentiment_score":0.029634413309395313},{"text":"Yeah.","start":1294.37,"end":1294.87,"sentiment":"neutral","sentiment_score":0.24508081376552585},{"text":"Yeah.","start":1305.115,"end":1305.615,"sentiment":"neutral","sentiment_score":0.27874547243118286},{"text":"Yep.","start":1332.6051,"end":1333.1051,"sentiment":"neutral","sentiment_score":0.24005375802516937}],"sentiment":"neutral","sentiment_score":0.13143326621502638,"num_words":6,"start":1284.05,"end":1333.1051},{"sentences":[{"text":"Yeah.","start":1353.51,"end":1354.01,"sentiment":"neutral","sentiment_score":0.06724739074707031},{"text":"I'll keep that as is.","start":1354.0701,"end":1355.565,"sentiment":"neutral","sentiment_score":0.05218592658638954},{"text":"Mhmm.","start":1364.7649,"end":1365.2649,"sentiment":"neutral","sentiment_score":0.1336081624031067},{"text":"Yeah.","start":1395.485,"end":1395.985,"sentiment":"neutral","sentiment_score":0.028338473290205},{"text":"I'm related to you, but I just I don't know how it works.","start":1396.2849,"end":1399.565,"sentiment":"neutral","sentiment_score":-0.07527635232187234}],"sentiment":"neutral","sentiment_score":-0.02326042480057194,"num_words":21,"start":1353.51,"end":1399.565},{"sentences":[{"text":"I did my tax last week.","start":1399.565,"end":1401.51,"sentiment":"neutral","sentiment_score":-0.09802034373084705},{"text":"And last last year, I did my tax.","start":1401.97,"end":1404.45,"sentiment":"neutral","sentiment_score":-0.09822143753990531},{"text":"I still ended up with a $300 bill.","start":1404.45,"end":1407.11,"sentiment":"neutral","sentiment_score":-0.1930878944694996},{"text":"And you think to yourself, how?","start":1407.25,"end":1409.1901,"sentiment":"neutral","sentiment_score":-0.022641086174796026},{"text":"One, like, I know Centrelink's different, but I estimate 85 or even a 100.","start":1409.73,"end":1415.5851,"sentiment":"neutral","sentiment_score":-0.027192151440041407}],"sentiment":"neutral","sentiment_score":-0.0817888894207066,"num_words":42,"start":1399.565,"end":1415.5851},{"sentences":[{"text":"I don't know.","start":1415.5851,"end":1415.985,"sentiment":"neutral","sentiment_score":-0.14593425889809927},{"text":"I overestimate with Centrelink, so I never have an issue with them.","start":1415.985,"end":1419.365,"sentiment":"neutral","sentiment_score":-0.09871336941917737},{"text":"But when it comes to yeah.","start":1419.505,"end":1422.865,"sentiment":"neutral","sentiment_score":-0.12652563800414404},{"text":"So I just don't get it.","start":1422.865,"end":1424.145,"sentiment":"neutral","sentiment_score":-0.28142688423395157},{"text":"Like, I don't understand why, especially now when the salary sacrifice comes off my total, total income is theoretically 72 if you don't add on the salary sacrifice.","start":1424.145,"end":1436.5,"sentiment":"neutral","sentiment_score":-0.26673324406147003}],"sentiment":"neutral","sentiment_score":-0.20979289412498475,"num_words":55,"start":1415.5851,"end":1436.5},{"sentences":[{"text":"So that, from what I would believe, is supposed to bring my tax bracket down.","start":1436.64,"end":1440.98,"sentiment":"neutral","sentiment_score":-0.2543149431546529},{"text":"How on earth am I still owing they did say to me I had money in a bank.","start":1441.36,"end":1446.225,"sentiment":"neutral","sentiment_score":-0.267323380543126},{"text":"Like, I've I've got a 100 in a bank, and that that incurred almost $5,000 worth of income, which sucks.","start":1446.225,"end":1455.105,"sentiment":"neutral","sentiment_score":-0.32202195301651954},{"text":"So you put it in a bank to earn money, and then they take it off you anyway.","start":1455.105,"end":1459.08,"sentiment":"negative","sentiment_score":-0.3381392972336875},{"text":"Like, that's that's sucks in itself.","start":1459.7,"end":1461.8,"sentiment":"neutral","sentiment_score":-0.3030116334557533}],"sentiment":"neutral","sentiment_score":-0.2983319637450305,"num_words":77,"start":1436.64,"end":1461.8},{"sentences":[{"text":"But the thing is 72,000 plus an extra 5,000 is still only 77,000.","start":1461.86,"end":1467.96,"sentiment":"neutral","sentiment_score":-0.3120286487616025},{"text":"How on earth am I managing to still have a $600 tax bill?","start":1468.42,"end":1472.955,"sentiment":"neutral","sentiment_score":-0.07149887371521729},{"text":"I just my brain can't even fathom how that's possible.","start":1472.955,"end":1476.495,"sentiment":"negative","sentiment_score":-0.3764515921473503},{"text":"Let alone, like, getting a return back.","start":1476.635,"end":1478.7949,"sentiment":"neutral","sentiment_score":-0.11828317386763436},{"text":"Like, I'm I was expecting a return like I was last year.","start":1478.7949,"end":1482.5549,"sentiment":"neutral","sentiment_score":-0.0857192383458217}],"sentiment":"neutral","sentiment_score":-0.1928543052890084,"num_words":55,"start":1461.86,"end":1482.5549},{"sentences":[{"text":"I just don't understand how it works.","start":1482.5549,"end":1484.735,"sentiment":"neutral","sentiment_score":-0.18706032367689268},{"text":"Yep.","start":1501.035,"end":1501.535,"sentiment":"neutral","sentiment_score":0.06133514642715454},{"text":"So so that has confused me that that the the med you're right.","start":1533.365,"end":1538.565,"sentiment":"neutral","sentiment_score":-0.2031363002382792},{"text":"The Medicare levy has does that have anything to do with the private health where you you get some sort of because I swear like, I pay for private health as well, which is debilitatingly crippling in a financial situation, yet I've had that for a million years.","start":1538.565,"end":1555.735,"sentiment":"neutral","sentiment_score":-0.26855376238624257},{"text":"And I swear on those forms that you get at tax time, aren't you waived that Medicare levy surcharge?","start":1555.735,"end":1562.955,"sentiment":"neutral","sentiment_score":-0.052817440934871375}],"sentiment":"neutral","sentiment_score":-0.20207921584898775,"num_words":88,"start":1482.5549,"end":1562.955},{"sentences":[{"text":"I don't understand.","start":1563.655,"end":1564.475,"sentiment":"neutral","sentiment_score":-0.1372662956515948},{"text":"I just go to income tax professionals.","start":1612.255,"end":1614.995,"sentiment":"neutral","sentiment_score":0.03946695051022938},{"text":"So as yeah.","start":1638.87,"end":1641.0851,"sentiment":"neutral","sentiment_score":0.14424124856789908},{"text":"As as an employer, don't they get told what the correct amount is that they should be?","start":1641.145,"end":1647.7251,"sentiment":"neutral","sentiment_score":-0.17882592976093292},{"text":"Like, usually, it's not something the employee has to tell them what to do.","start":1647.9451,"end":1653.545,"sentiment":"neutral","sentiment_score":-0.25807108730077744}],"sentiment":"neutral","sentiment_score":-0.14445096626877785,"num_words":44,"start":1563.655,"end":1653.545},{"sentences":[{"text":"I thought they have structured guidelines of the amount they've got a tax.","start":1653.545,"end":1658.44,"sentiment":"neutral","sentiment_score":-0.08128637677201858},{"text":"Yeah.","start":1763.74,"end":1764.06,"sentiment":"neutral","sentiment_score":-0.1563182771205902},{"text":"I thought having the salary sacrifice was gonna do me a favor in paying less tax.","start":1764.06,"end":1769.84,"sentiment":"neutral","sentiment_score":-0.24641818832606077},{"text":"Yeah.","start":1802.92,"end":1803.4,"sentiment":"neutral","sentiment_score":-0.12969601154327393},{"text":"Yeah.","start":1803.4,"end":1803.8,"sentiment":"neutral","sentiment_score":0.0395670160651207}],"sentiment":"neutral","sentiment_score":-0.16393316199537367,"num_words":32,"start":1653.545,"end":1803.8},{"sentences":[{"text":"And where's the where's where's the incentive in banking money with a high interest so you can grow your little bit of money that you've got if you then gotta classify that as an income?","start":1803.8,"end":1817.555,"sentiment":"neutral","sentiment_score":0.09523233058197157},{"text":"Like, well, there's no point.","start":1817.615,"end":1819.155,"sentiment":"neutral","sentiment_score":-0.1222669430077076},{"text":"Like, you I don't know.","start":1819.3301,"end":1820.77,"sentiment":"neutral","sentiment_score":-0.17943937182426453},{"text":"I just I don't see the I don't know.","start":1820.77,"end":1823.81,"sentiment":"neutral","sentiment_score":-0.19129236208068},{"text":"You put it in the bank to make more money, but then you'll have money taken off you for that.","start":1823.81,"end":1829.0901,"sentiment":"neutral","sentiment_score":-0.33305217772722245}],"sentiment":"neutral","sentiment_score":-0.08862263266299222,"num_words":74,"start":1803.8,"end":1829.0901},{"sentences":[{"text":"So it's not as grand as what it seems.","start":1829.0901,"end":1832.0701,"sentiment":"neutral","sentiment_score":-0.18696290254592896},{"text":"And and the and the Medicare levy, is that, like, a levy surcharge that we pay for everything Medicare related that we get that's both billed?","start":1832.53,"end":1842.845,"sentiment":"neutral","sentiment_score":-0.15016688234530962},{"text":"Because, obviously, someone's gotta pay for that.","start":1842.845,"end":1845.265,"sentiment":"neutral","sentiment_score":-0.10992907945598875},{"text":"We're technically done.","start":1855.02,"end":1855.98,"sentiment":"neutral","sentiment_score":-0.0759271817902724},{"text":"And you know what?","start":1855.98,"end":1856.78,"sentiment":"neutral","sentiment_score":-0.071212537586689}],"sentiment":"neutral","sentiment_score":-0.14018653705716133,"num_words":49,"start":1829.0901,"end":1856.78},{"sentences":[{"text":"The crazy thing is in the last eighteen months, doctors have still been charging a fee.","start":1856.78,"end":1862.8351,"sentiment":"negative","sentiment_score":-0.3723166882991791},{"text":"So for instance, what was both billing now cost me $84, and I tap once, pay $84, tap again, and I get $42 back.","start":1864.255,"end":1875.12,"sentiment":"neutral","sentiment_score":-0.191422114148736},{"text":"So every doctor's appointment is now costing me an extra $40 times however many doctor's appointments in a year, that extra.","start":1875.12,"end":1883.38,"sentiment":"negative","sentiment_score":-0.337014125926154},{"text":"So shouldn't that shouldn't everything just be bulk billed if we're being charged for it in the levy?","start":1883.68,"end":1889.265,"sentiment":"negative","sentiment_score":-0.3753275093105104},{"text":"I don't really understand how that is fair or works because wages don't go up.","start":1889.325,"end":1894.225,"sentiment":"neutral","sentiment_score":-0.2727060010035833}],"sentiment":"neutral","sentiment_score":-0.3029253146749862,"num_words":94,"start":1856.78,"end":1894.225},{"sentences":[{"text":"I know.","start":1909.18,"end":1909.76,"sentiment":"negative","sentiment_score":-0.5680248737335205},{"text":"It's ridiculous.","start":1910.22,"end":1910.9601,"sentiment":"negative","sentiment_score":-0.702417254447937},{"text":"I know.","start":1911.74,"end":1913.4401,"sentiment":"negative","sentiment_score":-0.4017382189631462},{"text":"I know.","start":1919.8451,"end":1920.505,"sentiment":"neutral","sentiment_score":-0.17168346047401428},{"text":"Anyway alright.","start":1921.125,"end":1922.5851,"sentiment":"neutral","sentiment_score":-0.0024196337908506393}],"sentiment":"negative","sentiment_score":-0.36925668828189373,"num_words":10,"start":1909.18,"end":1922.5851},{"sentences":[{"text":"Did you want me to sign now?","start":1922.885,"end":1924.245,"sentiment":"neutral","sentiment_score":0.028600082333598818},{"text":"We up to that part?","start":1924.245,"end":1925.4651,"sentiment":"neutral","sentiment_score":0.0234302069991827},{"text":"Yes.","start":1956.165,"end":1956.665,"sentiment":"neutral","sentiment_score":0.14829450845718384},{"text":"Okay.","start":1968.87,"end":1969.37,"sentiment":"neutral","sentiment_score":0.047636158764362335},{"text":"Yep.","start":1969.75,"end":1970.235,"sentiment":"neutral","sentiment_score":0.1643957644701004}],"sentiment":"neutral","sentiment_score":0.04517853620151679,"num_words":15,"start":1922.885,"end":1970.235},{"sentences":[{"text":"Yeah.","start":2021.47,"end":2021.97,"sentiment":"neutral","sentiment_score":0.10437092185020448},{"text":"Yep.","start":2026.51,"end":2027.01,"sentiment":"positive","sentiment_score":0.3439931869506836},{"text":"Yep.","start":2054.48,"end":2054.98,"sentiment":"neutral","sentiment_score":0.026145726442337036},{"text":"The thing wasn't loading.","start":2055.1748,"end":2056.555,"sentiment":"neutral","sentiment_score":-0.24109573289752007},{"text":"It wasn't working for me.","start":2056.775,"end":2058.2148,"sentiment":"neutral","sentiment_score":-0.2773003101348877}],"sentiment":"neutral","sentiment_score":-0.15636455391844115,"num_words":12,"start":2021.47,"end":2058.2148},{"sentences":[{"text":"I'm gonna I'm gonna go into it again.","start":2058.2148,"end":2060.2349,"sentiment":"neutral","sentiment_score":-0.08104831213131547},{"text":"I just want to start.","start":2060.9348,"end":2062.555,"sentiment":"neutral","sentiment_score":-0.009749606624245644},{"text":"So what do I do?","start":2062.615,"end":2063.6548,"sentiment":"neutral","sentiment_score":-0.004328865185379982},{"text":"I click to start and then do I I click sign all?","start":2063.6548,"end":2070.2349,"sentiment":"neutral","sentiment_score":0.010670103675996264},{"text":"Yeah.","start":2076.11,"end":2076.61,"sentiment":"neutral","sentiment_score":0.10384424030780792}],"sentiment":"neutral","sentiment_score":-0.015706237796093186,"num_words":31,"start":2058.2148,"end":2076.61},{"sentences":[{"text":"Yeah.","start":2077.15,"end":2077.55,"sentiment":"neutral","sentiment_score":0.06652601808309555},{"text":"Then it says next.","start":2077.55,"end":2078.85,"sentiment":"neutral","sentiment_score":0.045593095012009144},{"text":"Next document.","start":2082.59,"end":2083.41,"sentiment":"neutral","sentiment_score":0.08623054623603821},{"text":"Yeah.","start":2085.0852,"end":2085.5852,"sentiment":"neutral","sentiment_score":0.07247009873390198},{"text":"Next document.","start":2086.365,"end":2087.185,"sentiment":"neutral","sentiment_score":0.08545627072453499}],"sentiment":"neutral","sentiment_score":0.06647421307861805,"num_words":10,"start":2077.15,"end":2087.185},{"sentences":[{"text":"Now it's saying click to start again.","start":2089.3252,"end":2091.165,"sentiment":"neutral","sentiment_score":0.05983065441250801},{"text":"Is that right?","start":2091.165,"end":2092.0652,"sentiment":"neutral","sentiment_score":0.05715831244985262},{"text":"Yeah.","start":2092.365,"end":2092.865,"sentiment":"neutral","sentiment_score":0.03473147004842758},{"text":"Must be the other spot with the signature that you were talking about.","start":2093.165,"end":2097.0051,"sentiment":"neutral","sentiment_score":0.0293297773370376},{"text":"Yeah.","start":2097.0051,"end":2097.5051,"sentiment":"neutral","sentiment_score":0.057943277060985565}],"sentiment":"neutral","sentiment_score":0.042570054829120636,"num_words":25,"start":2089.3252,"end":2097.5051},{"sentences":[{"text":"Everything.","start":2103.14,"end":2103.64,"sentiment":"neutral","sentiment_score":0.008787247352302074},{"text":"Yeah.","start":2104.1,"end":2104.6,"sentiment":"neutral","sentiment_score":0.04495507478713989},{"text":"It says, now I've got a ticket signed.","start":2107.3801,"end":2109.86,"sentiment":"neutral","sentiment_score":0.08964948914945126},{"text":"You'll get the signed document by email.","start":2109.86,"end":2111.7,"sentiment":"neutral","sentiment_score":0.12318436375686101},{"text":"So I must have done it.","start":2111.7,"end":2113.08,"sentiment":"positive","sentiment_score":0.3503928755720456}],"sentiment":"neutral","sentiment_score":0.1624167841332762,"num_words":23,"start":2103.14,"end":2113.08},{"sentences":[{"text":"No worries.","start":2142.07,"end":2142.73,"sentiment":"neutral","sentiment_score":0.2526881992816925},{"text":"No worries.","start":2143.19,"end":2143.93,"sentiment":"neutral","sentiment_score":0.2846027538180351},{"text":"Alright.","start":2144.875,"end":2145.375,"sentiment":"positive","sentiment_score":0.5917503833770752},{"text":"Thanks, Sarah.","start":2148.155,"end":2148.975,"sentiment":"positive","sentiment_score":0.49702394008636475},{"text":"Thank you.","start":2150.7952,"end":2151.615,"sentiment":"positive","sentiment_score":0.6885079741477966}],"sentiment":"positive","sentiment_score":0.44859956867165035,"num_words":9,"start":2142.07,"end":2151.615},{"sentences":[{"text":"Talk to you soon.","start":2152.235,"end":2153.2952,"sentiment":"positive","sentiment_score":0.4540254771709442},{"text":"Thank you.","start":2154.955,"end":2155.695,"sentiment":"positive","sentiment_score":0.5065141320228577},{"text":"Bye bye.","start":2156.155,"end":2156.975,"sentiment":"neutral","sentiment_score":0.1982487216591835},{"text":"Bye.","start":2157.115,"end":2157.615,"sentiment":"neutral","sentiment_score":-0.1223612129688263}],"sentiment":"positive","sentiment_score":0.34480737811989254,"num_words":9,"start":2152.235,"end":2157.615}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hi, Camilla. This is Dana from Oku Financial. How are you today?\n\nChannel 1: Good. Thanks.\n\nChannel 0: That's good. I had you booked in just to go through your updated statement of advice. Is now still a good time there for you?\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Fantastic. I do have the document to send through to you there as well. Are you able to access your emails at the moment at all?\n\nChannel 1: Yep.\n\nChannel 0: Fantastic. I'll just send that one through to you. Just while it is coming through, I do have to let you know we do record our calls for quality and training purposes. Are you happy with me proceeding with that moving forward?\n\nChannel 1: Yep.\n\nChannel 0: Fantastic. And just to do a quick security check there for you as well, just because we are discussing your personal information, I'll just get to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: Camila barrett\n\nChannel 0: Yep.\n\nChannel 1: camilabarrett@icloud.com. Did\n\nChannel 0: Yep.\n\nChannel 1: you say did you say email?\n\nChannel 0: The full name, address, and date of birth. So sorry.\n\nChannel 1: Address. Address. 36 McBay Street, Pimpama,\n\nChannel 0: Yep.\n\nChannel 1: and 16th Of The 1277.\n\nChannel 0: Beautiful. Thank you so much for that. Sorry about that confusion there. How's your day been so far?\n\nChannel 1: Busy busy working.\n\nChannel 0: Oh, are you getting lunch break soon, or you're having a bit of a break shortly, or is this it?\n\nChannel 1: Sort of. I'm working from home today because\n\nChannel 0: Yeah.\n\nChannel 1: my son's got a he starts high school next year, and they've got a they've got a day, like an orientation kinda day at the school. So\n\nChannel 0: Yeah.\n\nChannel 1: I gotta\n\nChannel 0: Yep.\n\nChannel 1: I gotta drop him off and pick him up today, which is outside of my normal work hours. So,\n\nChannel 0: Yep.\n\nChannel 1: yeah, so that I'm trying to be productive here.\n\nChannel 0: Trying to get it all done. Understandable.\n\nChannel 1: Yeah.\n\nChannel 0: No. All good. Well, I'll try not to take up too much of your time. I'll run through the areas that we need to with regards to your advice. Just touch on other recommendations, and then you'll be able to go back and have a good look at the document there as well.\n\nIf you find you have any additional questions, you're welcome to let me know. Okay?\n\nChannel 1: Mhmm.\n\nChannel 0: Fantastic. Now has that email come through to you there at all as of yet?\n\nChannel 1: Let me check.\n\nChannel 0: That's okay. You're fine.\n\nChannel 1: Yes. Got that.\n\nChannel 0: Fantastic. So if you just\n\nChannel 1: Donna.\n\nChannel 0: open the email yeah. If you press the sign button, it'll move forward so you can view the document. I don't ever want you to sign anything you haven't read, so we'll go through it prior to it allowing you to sign.\n\nChannel 1: Yep.\n\nChannel 0: Yep. So when you go forward, it should show you the next page there, which says statement of advice prepared for yourself as of the 08/25/2026. Is that what you can see?\n\nChannel 1: SkyUPID device.\n\nChannel 0: Yep. Sorry. You're a couple of pages down, but that's absolutely fine. On the very front page, it sort of dropped you down a few pages there, but it does have all my authorized representative license number. So I'm a licensed adviser, and my representative number is 1304394.\n\nThat's all good. The next page as you are scrolling through has the best interest duty, and that's just letting you know that any advice we do provide is done under the best interest duty. So it's making sure that we understand all of your circumstances to the fullest and making sure we understand your goals, that any advice is provided to assist you in meeting your goals moving forward there. Okay?\n\nChannel 1: Mhmm. Yeah.\n\nChannel 0: The the page you were looking at just before there was the scoping in and out section. So that's essentially focusing on areas that we are and are not looking at advice with regard to this advice document for you. So\n\nChannel 1: Uh-huh.\n\nChannel 0: the areas that we are scoping in or looking at with the recommendations are superannuation. I've got a bit of a state planning there for you as well. And then we've also, just as a limited scope, considered the insurance aspect. So we weren't changing anything with the insurances, but we are scoping them into an extent that they are paid out of super. So it does have an effect on your super, and we've incorporated that into the projections for you.\n\nOkay?\n\nChannel 1: Mhmm.\n\nChannel 0: Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: On page number five, it has the areas that we're not looking at new advice for. So income protection and trauma has been scoped out of this. If you wanted to look at additional recommendations about insurances, we can come back and have that conversation at a later time there with you. And we're also not scoping in the retirement income needs as of yet. So you're a little over ten years away there from being able to access super as per your goal.\n\nSo we are essentially just not focusing on the building of your super and what to do now to help it increase and build over time. When you get closer to accessing your super, then we'll certainly look at, you know, the drawing down the retirement aspect and what that looks like for you. Okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: And estate planning has been both scoped in and out because there are different stages to it. So we're scoping in just looking at making sure you've got a will and power of attorney updated to make sure they reflect your current wishes. We are scoping out estate planning with the side of the beneficiary nominations. So you have those in place. You confirm that you were comfortable with how your beneficiary nominations were set up.\n\nSo we're scoping scoping that side of it out for you. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. I will skip a few pages now if that's okay. Essentially, I'm gonna get you to go down for me just to page number 13.\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Strategy recommendations.\n\nChannel 0: That's the one. Yeah. So, essentially, we had a bit of a look at your super. You're in that discovery menu at the moment, so you do that. Essentially, with the way hub 24 works is it has several layers within the platform.\n\nSo you have different different super funds within the platform, and they have, like, discovery menu, which is the cheapest option to access, but it has very limited options of availability of funds to invest you in. So when Bart moved you into that prior, it was about making sure you had a lower cost fund and just popping you into a good quality investment product to kinda get your super growing and building within that time frame with the view that as your super built over time, that we could move you into a much more sophisticated super fund and or platform there.\n\nChannel 1: Yep.\n\nChannel 0: Within Hub twenty four, they have access to those more sophisticated menu options, as we call them, or different areas within the Superfund. They have the Discover menu, they have a Core, and they have a Choice. I'm recommending that we move you out of Discover menu and into the Choice menu. This is a very simple process. There's nothing you need to do on the back end.\n\nIt's just a form. You essentially sign that form and have 24 move everything in the back end. Your super account stays exactly the same from what you can see it as. It's just\n\nChannel 1: Yep.\n\nChannel 0: that in the back end, they open up the menu options, which allows us to invest in a lot more different investment options, if that makes sense.\n\nChannel 1: Yep.\n\nChannel 0: It's all just an administrative thing, essentially. So we are recommending that we move you out of that Discover side of hub twenty four and move you into the full menu there. That opens up, as I mentioned, all the different investment options there for you. Once we have completed that, we will then reinvest your portfolio, and I'll take you through how that will look for you shortly there. There'll be no real changes that you will see on your side of things.\n\nYou'll have twenty four super account number stays exactly the same. It's just that you will see the investments changing in the back end there.\n\nChannel 1: Yes.\n\nChannel 0: We are still also recommending your super contributions and your salary sacrifice stays the same as well. You did mention you were happy with the level of salary sacrifice there. If you ever find that you wanted to review that level, come back and let me know. We can always definitely reevaluate the level, make sure it's, you know, suiting your cash flow, but making sure it's helping to boost your super down the track there as well. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Excellent. When you do take some time to read it through, essentially, I do have what's called the best interest duties. This is relating the recommendations back to your goals and why we've made those recommendations and how they are in your best interest moving forward for you. So I'll let you go back and have a read through that. There's quite a lot of wording in here, so I'll skip a lot of that to make it easier on you today.\n\nChannel 1: Okay.\n\nChannel 0: Okay. If I can get you to move down for me just to page number 17, I can sort of show you a bit more detail around those recommendations there.\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful. So as I kinda mentioned, we are looking to move you out the Discover menu and into the choice menu there. The first column here shows your current balance, which at the moment, your balance is up to 100,044, which is fantastic. It's a lovely increase over the last couple of years there in your super. Within the Discover menu, as I kinda mentioned before, it is a much cheaper menu.\n\nIt is designed to sorta have for lower balances where you put the money in and try to build your super so as you can move it into those more sophisticated products down the track there. Within the Discover menu, they don't have administration fees. However, you were paying investment fees for the investment products you were in, and they had other fees applicable to the funds. So, like, management fees and things that fit into the other category. Your contributions are just still going in and have been going in nicely.\n\nThat's including your salary sacrifice, and that's showing net contribution for after the 15% tax has been deducted there, and your insurance premiums have been coming out at that level. You are in that high growth environment there. And as we kind of reassess, it is important to sort of stay in that high growth environment. You are happy with that. Your main sort of goal is to boost your super and build it as much as you possibly can towards your retirement goals there.\n\nThat high growth environment still suits your time horizon and your risk tolerance and capacity. So remaining there is suitable for the time being. If you ever find that you're a little bit nervous about the ups and downs on what the market is doing, please let me know, and I'll make sure moving forward that we do reassess that with you again down the track. Okay?\n\nChannel 1: Yep.\n\nChannel 0: When we look at what the the previous portfolio was that you've been in, and they're looking at a five year rolling average, because it sort of shows us how this has performed over the past five years, it's averaging about 9.95%, which is not a bad return in any way, shape, or form, and it's really showing to build your super nicely over the last few years there. With updating the recommendation and moving into the choice menu, we are then obviously selling the current investment option and investing your funds into other investments. So we do know that your fund will pay or your super fund will have a capital gains consequence. Your super, just like you, does a tax return every year, and your super fund pays income tax and capital gains tax. On the top line, I have worked out the tax side of things.\n\nYour super fund is expected to pay capital gains of $815 in order to make the switch within the investments there. The good news is it doesn't affect you personally, but it does show that the starting once we've made the switch, the expected balance within the super fund is to be $99,229. Do you have any questions about the capital gains side of things or that so far?\n\nChannel 1: No. I don't really understand it all, to be honest.\n\nChannel 0: That's okay. What's what's the main thing that you're not really understanding? I'm happy to break it down more for you.\n\nChannel 1: Can you just say what you said again? Sorry. I was\n\nChannel 0: Yeah.\n\nChannel 1: I'm gonna admit I was looking at a team chat for work thinking what do you want now because I'm supposed\n\nChannel 0: No.\n\nChannel 1: to be working. You know what I mean? Anyway,\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: I'm listening. You have my\n\nChannel 0: You're\n\nChannel 1: full attention.\n\nChannel 0: absolutely fine. No worries. If anything comes through on Teams that you need to stop for, just tell me. Just say, Dana, stop. That's enough, and I'll stop for you.\n\nIt's not a problem,\n\nChannel 1: Yeah.\n\nChannel 0: please. Essentially, so because we are moving you out of the Discover menu, we're putting you into some different investment options. So we will have to sell down your current investment investment portfolio and move you into the newer investment options. So just like you would be doing if you were to change investments in your own name, your tax on that. Your super fund does pay income tax and capital gains tax for\n\nChannel 1: Uh-huh.\n\nChannel 0: income that's received within the fund and also capital gains on investment switches or changing investments within the fund there. So with our research, by changing the portfolio and I'll show you what that will look like in a moment. But we know that the estimated, capital gains cost for your super fund is $815. So your\n\nChannel 1: I\n\nChannel 0: super\n\nChannel 1: know.\n\nChannel 0: is expected to pay $815 in capital gains tax, which means\n\nChannel 1: Yep.\n\nChannel 0: once we've completed the SWIFT, the balance that we expect you to have is 99,229. Does that make\n\nChannel 1: Oh,\n\nChannel 0: sense?\n\nChannel 1: yeah. It\n\nChannel 0: Yeah.\n\nChannel 1: does.\n\nChannel 0: Yeah.\n\nChannel 1: Helps when\n\nChannel 0: That's\n\nChannel 1: you listen.\n\nChannel 0: all good. You're fine. Honestly, it's not a problem at all.\n\nChannel 1: I was like, how am I gonna wing this I wasn't listening properly to when you\n\nChannel 0: No.\n\nChannel 1: were live.\n\nChannel 0: You're\n\nChannel 1: What did\n\nChannel 0: fine.\n\nChannel 1: you want me to explain that? I I yeah. Anyway.\n\nChannel 0: You're you're fine. Please don't ever hesitate. I love the fact that you're honest, and just break it down. If you miss something or need me to break something down, just let me know. It's all good.\n\nChannel 1: No worries.\n\nChannel 0: Easy. Within the hub 24 choice menu, there is administration fees, investment fees, and any other fees applicable. It does mean, obviously, you are paying a higher administration fee than what you would have in the Discover menu. However, you are saving on investment fees and any other fees menu. However, you are saving on investment fees and any other fees applicable.\n\nSo when we kind of weigh up the fees, the saving in all the other fees outweigh what you're paying in admin fees. So it actually does work out cheaper to swap the menu and move into this product for you.\n\nChannel 1: Yeah. And my you know how I mentioned that Bart was my brother, any\n\nChannel 0: Okay?\n\nChannel 1: discount,\n\nChannel 0: Yes.\n\nChannel 1: so they they're not part of these totals? Is that separate?\n\nChannel 0: That is separate, but it actually\n\nChannel 1: Yep.\n\nChannel 0: does show you here. So I did speak to Bart about the fee structure afterwards because I went back, and I was like, I'm so sorry. I didn't realize. But what what do you wanna do to help out your sister? And Bart did say that because we normally are 1.65%.\n\nHe's happy to put you on a lower fee structure, but because I'm looking after things and he does pay me to do my job and we are a professional service, we do have to sort of have that management fee going on. So he has agreed to make it 1.10% there for you. The ongoing service fee is that's per year, so it is deducted in smaller monthly increments out of your super. And if we ever find that there is a reason to turn it off or that the fee shouldn't be deducted or it's not working for you, we will turn them off. But I did go back and I did ask that, and I was very honest and open about it.\n\nAnd he has discounted it for you, so it's 1.10 per annum.\n\nChannel 1: Well,\n\nChannel 0: Okay.\n\nChannel 1: where do I see that fee? That's not in the charts that we're looking at currently, is it? That must\n\nChannel 0: Is\n\nChannel 1: be\n\nChannel 0: that\n\nChannel 1: a different\n\nChannel 0: shows\n\nChannel 1: section.\n\nChannel 0: no. Well, it does sorta show you it shows you the dollar figure, but I'll take you through and show you the percentage there as well. But on that chart where the recommended column is, if you look at adviser fee adviser service fee, that shows you how much you're expected to pay for our services for the year. So on the balance there, it's $1,219.\n\nChannel 1: Okay. Is that at the 1.1%?\n\nChannel 0: Yeah. 1.1% based on the balance at the top. Correct.\n\nChannel 1: Okay.\n\nChannel 0: Yeah.\n\nChannel 1: And what\n\nChannel 0: It\n\nChannel 1: would\n\nChannel 0: does\n\nChannel 1: it\n\nChannel 0: take\n\nChannel 1: what would\n\nChannel 0: in\n\nChannel 1: it normally\n\nChannel 0: sorry.\n\nChannel 1: be?\n\nChannel 0: 1.65%.\n\nChannel 1: Oh, yeah. So\n\nChannel 0: Yeah.\n\nChannel 1: what does that equate to that I'm saving?\n\nChannel 0: If I work it out roughly So it would be just over, say, $1,700 at 1.65% factoring in growth there as well. So you are sort of saving a bit of money.\n\nChannel 1: Like\n\nChannel 0: So if I\n\nChannel 1: like\n\nChannel 0: go\n\nChannel 1: five is that, like, $500 a year or something?\n\nChannel 0: yeah. That's 480 odd dollars for the year that you\n\nChannel 1: Yeah.\n\nChannel 0: are saving on the ongoing service fee. One\n\nChannel 1: Okay.\n\nChannel 0: of the good things\n\nChannel 1: Cool.\n\nChannel 0: about yeah. One of the good things about this fee as well, just to kinda kinda clarify for you, is that it does sort of fluctuate with the market because it is a percentage based fee. So if we see times the market does take a bit of a dip, your ongoing service fee takes a bit of a there with it as well. So it is linked to the performance of your suit, but we wanna make sure you're making that 1.10% and then getting additional growth there on top of that for\n\nChannel 1: Yeah.\n\nChannel 0: you. Okay? Yeah. Excellent. All good.\n\nYou've got your contributions noted in there as well, the\n\nChannel 1: Yeah.\n\nChannel 0: insurance premiums, and then you're still in that high growth environment there. And when we look at the newer portfolio, which I'll take you through in a moment there, it's averaged to higher returns, so 11.71 over the past five years. Now I am\n\nChannel 1: Mhmm.\n\nChannel 0: really honest and let you know that projection tables are just projection tables. They are based on market conditions, and markets can change gradually over time.\n\nChannel 1: Mhmm.\n\nChannel 0: So this is sort of showing you if the if the portfolio can achieve what it has over the past five years with all the fees noted above. On the next page, if you scroll down, you can sort of see the projected outcome there. So over the next five to ten years, you can actually see yourself being in a much greater position with the newer portfolio even with the ongoing service fee attached there and with the the fee savings that we're making with the newer portfolio as well. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. We do wanna make sure we readjust things as time goes on. So investments that we're putting into the portfolio now do need to be reevaluated because in, you know, another two, three, or five years' time, we might need to update those again. So\n\nChannel 1: Yep.\n\nChannel 0: investments do need to be reevaluated and checked on regularly, but this can put you in a much greater position. Sorry. You're at\n\nChannel 1: How you're alright. How often do you go in yourself and have a look at them?\n\nChannel 0: okay.\n\nChannel 1: Is it, like, once a year?\n\nChannel 0: No. So\n\nChannel 1: Oh,\n\nChannel 0: I\n\nChannel 1: it's\n\nChannel 0: tend\n\nChannel 1: okay.\n\nChannel 0: to go into most people's accounts, and I have a look at everything generally at least once every sort of two to three months there. So\n\nChannel 1: Okay.\n\nChannel 0: I wanted to sort of see when you would like to do a bit of a catch up. I know it's been probably a little bit of time since we last reviewed things with you. But did you want me to do a catch up with you in, say, six months to see how things are tracking and then maybe your annual review, or what would you like to see?\n\nChannel 1: Yeah. Let's do that.\n\nChannel 0: We'll do that? Beautiful. I'll pop it down. So it's a six month catch up there for you. Fantastic.\n\nExcellent. Now do you have any questions about the projected outcome there or the table above or anything that you needed me to clarify further there for you at all?\n\nChannel 1: No. I don't think so.\n\nChannel 0: That's all good. If I can get you to scroll down for me to the next page, it's page number 19. This is essentially showing you the investments that you'll see your funds invested within.\n\nChannel 1: Mhmm.\n\nChannel 0: Beautiful. So at the moment, you've got the beta shares dynamic high growth portfolio there. So as I mentioned, we'll sell that down to cash, and then we'll reinvest your funds within the choice menu available to us. Essentially, within that menu menu, sorry, all the green shows the buyers, and so you'll see about 6% invested in some global cybersecurity. We'll also have 9% sitting in the European exposure, so giving you access exposure to all the European countries.\n\nYou've also got some Japanese exposure, about 5% there. Diversification is really important for making sure we're lowering overall risk and helping to, you know, spread the risk level as much as possible. So the Vanguard or WorldX US investment gives you exposure to the entire globe minus The US market, spreading that risk and diversifying as much as possible. And Vanguard, this investor, is also just a low cost investment, which is great as well.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: So that doesn't have any US exposure because we have the S and P 500. So giving you access and exposure to the top 500 companies on The US market there, and that's looking at 35% invested in The US. We've also got the BetaShares Rafi a a 200. This is giving you exposures to the top 200 companies on the ASX. We wanna hold Australian exposure there as well, and we'll hold 25% of that for you.\n\nChannel 1: Yes.\n\nChannel 0: Another really good area that we all love is a bit of physical gold. Gold has done very well, continues to do very well. It is a growth investment. So it doesn't earn any income, but it does see growth over time. And gold can also act defensively depending on time frames as well.\n\nSo if you think back to the GFC or even COVID, people took money out of their investments and put it into gold as a bit of a safe haven. So gold is more of a growth asset, but it can act defensively as well and has been doing very, very well. Most recently has been at some of the thirty year highs. So we wanna keep and hold some significant gold in your portfolio about 7% there for you. Okay?\n\nChannel 1: Yes.\n\nChannel 0: And then in the high growth environment, we still wanna hold a small amount of defensive lower risk investments of things like cash, bonds, and fixed interest. So we're holding the iShares core composite bonds for you. This is about five percent in bonds. Bonds are good for income producing. We want income and dividends to be produced out of these investments that gets paid into your cash account, and then we reinvest that back into your portfolio for compounding effect.\n\nAnd this is giving you exposure to both government and corporate funds as well as notes, and it's also giving you a small amount of international exposure into defensive assets as well, which is kind of cool.\n\nChannel 1: Yep.\n\nChannel 0: That is a lot to go through. Not everyone likes the investment side of things that much. But did you have more questions? Did you want me to delve into any of that a bit deeper for\n\nChannel 1: No. It's\n\nChannel 0: you?\n\nChannel 1: okay.\n\nChannel 0: That's okay. If you ever did, you're welcome to let me know. But it gives you a nice overview of where you can expect your funds to be invested. The\n\nChannel 1: Yeah.\n\nChannel 0: green shows you what we're gonna be buying into, and then the last two columns, the target waiting and target balance, show you where you'll end up with how much roughly you need to investment at the end of it. Okay?\n\nChannel 1: Yeah.\n\nChannel 0: Excellent. Down on page number 20, we do also have the cash account side of things. So at the moment within your cash account, you've got about 3% cash there. Realistically, within Hub twenty four, we only wanna hold the minimum cash balance. We want most of your money to be invested within your portfolio working harder for you.\n\nSo we'll take $1,800 from the cash and reinvest that in the portfolio above, so you'll only hold the minimum cash balance. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Excellent. That is essentially the bulk of the recommendations there. I have also got in there a little stint around making sure that we are continuing the salary sacrifice. You were happy with the salary sacrifice that you were doing and comfortable with that. I am recommending we continue to do so because that will essentially help in building your super long term\n\nChannel 1: Yeah.\n\nChannel 0: Part\n\nChannel 1: I'll\n\nChannel 0: of what,\n\nChannel 1: keep\n\nChannel 0: you\n\nChannel 1: that\n\nChannel 0: know, part\n\nChannel 1: as\n\nChannel 0: of\n\nChannel 1: is.\n\nChannel 0: yeah. Part of essentially making super work harder is part of the investments, but it's also part of that making additional contributions to super. Essentially,\n\nChannel 1: Mhmm.\n\nChannel 0: investments can only work so hard on their own, so additional contributions and money being invested in does provide a bit more of a super in growing and building over time. But if you ever decided you wanted to, you know, come back and review that, please do let me know. On page number 22 there, we've outlined a little bit of a a table for you showing the salary sacrifice you are making, how it can sort of affect you, and I've got a best interest duty sort of knowing the benefits of salary sacrificing there for you.\n\nChannel 1: Yeah.\n\nChannel 0: Okay?\n\nChannel 1: I'm related\n\nChannel 0: Yep.\n\nChannel 1: to you, but I just I don't know how it works. I did my tax last week. And\n\nChannel 0: Yeah.\n\nChannel 1: last last year, I did my tax. I still ended up with a $300 bill. And you think\n\nChannel 0: Yes.\n\nChannel 1: to yourself,\n\nChannel 0: Mhmm.\n\nChannel 1: how? One, like, I know Centrelink's different, but I estimate 85\n\nChannel 0: Yeah.\n\nChannel 1: or even a 100. I don't know. I overestimate with Centrelink, so I never have an issue with them. But when it comes to yeah. So I just don't get it.\n\nLike, I don't understand why, especially now when the salary sacrifice comes off my total, total income is theoretically 72 if\n\nChannel 0: Yep.\n\nChannel 1: you don't add on the salary sacrifice. So that, from what I would believe, is supposed to bring my tax bracket down. How on\n\nChannel 0: Mhmm.\n\nChannel 1: earth am I still owing they did say to me I had money in a bank. Like, I've I've got a 100 in a bank, and that that incurred almost $5,000 worth of income, which sucks. So you put it in a bank to earn money, and then they take it off you anyway.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Like, that's that's\n\nChannel 0: Yeah.\n\nChannel 1: sucks in itself. But the thing is 72,000 plus an extra 5,000 is still only 77,000. How on earth am I managing to still have a $600 tax bill? I just my\n\nChannel 0: Yeah.\n\nChannel 1: brain can't even fathom how that's possible. Let alone,\n\nChannel 0: What\n\nChannel 1: like,\n\nChannel 0: I\n\nChannel 1: getting a return back. Like, I'm I was expecting\n\nChannel 0: yeah.\n\nChannel 1: a return like\n\nChannel 0: A\n\nChannel 1: I\n\nChannel 0: return.\n\nChannel 1: was last year. I just don't understand\n\nChannel 0: Yeah.\n\nChannel 1: how it works.\n\nChannel 0: No. No. Understandable. So when you sort of think about your taxable income, the salary sacrifice going in reduces how much income tax you pay because the the money is deducted out of your income before your employer works at your salary works at your income tax.\n\nChannel 1: Yep.\n\nChannel 0: However, I have seen it happen in the past that because, obviously, the income tax being deducted is lower, your employer may not be deducting enough to cover the Medicare levy. So when you think about your total assessable income, when you do your tax return, your assessable income that the ATO assessed you on isn't necessarily just minus self tax. They kind of add that back for your total gross assessable income. So it might be that your employer is not paying enough for your Medicare levy to cover that 2%, and\n\nChannel 1: So\n\nChannel 0: then\n\nChannel 1: so\n\nChannel 0: it\n\nChannel 1: that\n\nChannel 0: could\n\nChannel 1: has\n\nChannel 0: also\n\nChannel 1: confused\n\nChannel 0: be\n\nChannel 1: me\n\nChannel 0: partly\n\nChannel 1: that\n\nChannel 0: with\n\nChannel 1: that\n\nChannel 0: the money sitting in your bank.\n\nChannel 1: the\n\nChannel 0: Sorry.\n\nChannel 1: the med you're right. The Medicare levy\n\nChannel 0: Yeah.\n\nChannel 1: has does that have anything to do with the private health where you you get some sort of because I swear like, I pay for private health as well, which is\n\nChannel 0: Mhmm.\n\nChannel 1: debilitatingly crippling in a financial\n\nChannel 0: Yeah.\n\nChannel 1: situation, yet I've had that\n\nChannel 0: Absolutely.\n\nChannel 1: for a million years. And I swear on those forms that you get at tax time, aren't you waived\n\nChannel 0: Yeah.\n\nChannel 1: that Medicare levy surcharge? I don't\n\nChannel 0: No.\n\nChannel 1: understand.\n\nChannel 0: So you yeah. It's a really good question. So having private health care doesn't weigh the Medicare levies as it is. It waives the extra surcharge that you would have to pay if your income is over a certain threshold and you don't have that extra cover. But we all still technically pay 2% Medicare levy for our income.\n\nAnd I have seen it, like because the similar sort of thing happened to my mom recently where she was salary packaging, but the salary packaging, when you sort of weigh up the weigh it altogether, her employer just didn't deduct enough to cover the Medicare levy, and she got a a $600 bill at tax time because she hadn't paid enough and that had to be sort of added up. So you could probably go back to your employer or even did your accountant do your tax return at all?\n\nChannel 1: I just go to income tax professionals.\n\nChannel 0: Yep. Yep. So it get you can always go and see an accountant or get them to kind of weigh up and do, like, a mock tax return for you, which sort of estimates what you might have to pay. And they can kind of work out what you need to pay as in, like, the Medicare levy. And just make sure your employer's, you know, withdrawing enough to cover the Medicare levy and the tax side of things.\n\nYou\n\nChannel 1: So\n\nChannel 0: could\n\nChannel 1: as\n\nChannel 0: also request\n\nChannel 1: yeah.\n\nChannel 0: you're right.\n\nChannel 1: As as an employer, don't they get told what the correct amount is that they should be? Like,\n\nChannel 0: Sorry. Yeah.\n\nChannel 1: usually, it's not something the employee has to tell them what to do. I thought they have\n\nChannel 0: No.\n\nChannel 1: structured guidelines\n\nChannel 0: Yeah.\n\nChannel 1: of the amount\n\nChannel 0: Yeah.\n\nChannel 1: they've got a tax.\n\nChannel 0: They definitely do, but there have been instances where the employer just hasn't deducted enough over the course of the year. And sometimes salary packaging and salary sacrifice has a little bit of a hand in that. So when you're having that that money taken out pretax, the amount your employer has to deduct for the income tax and the Medicare levy is lower. But then when it all gets added back in at the end of the financial year, the ACO add it up and they go, well, you You could always ask if they just deduct a little bit more, like an extra $5 a week or a fortnight or something just to make sure that they're deducting enough. But the way I would sorta do it is go and see your accountant and just maybe get them to do, you know, do a bit of a mock tax return.\n\nBe like, hey. Look. This is what I did last year. This is what I'm doing this year. Can you estimate whether I'm gonna have a bill at the end of the financial year or whether I'm likely to have a bit of a return?\n\nBecause an accountant can definitely do that for you, and they can help you to look at what sort of what tax you need to maybe increase or whether you need to maybe let your employer know to take a little bit more tax out. But I have seen that happen when it comes to salary sacrificing or salary packaging where it's just not enough to cover the tax or the the Medicare levy, and the people end up with a bill at the end of the day. It could also be because you've earned quite a lot of income from your the cash in the bank as well. It could just be a combination of those sorts of things. But, yeah, I have unfortunately seen that happen quite a lot, and it happened to my mom this year.\n\nAnd when I kind of went back to basics with her, I worked out it was her salary packaging that was causing the problem and that she just didn't pay enough to cover the Medicare levy for that year, and that's where the extra bill came\n\nChannel 1: Yeah. I thought having the salary sacrifice was gonna do me a favor\n\nChannel 0: from.\n\nChannel 1: in paying less\n\nChannel 0: Yeah.\n\nChannel 1: tax.\n\nChannel 0: Yeah. So your employer contributions all get added back into your gross assessable income at tax time, and that all gets added back on to show how much you've actually earned, what your gross income is. And they work out for everything you've earned is your gross, and then you've got your deductions, how much tax you've paid, and that shows your net, and they kind of work out whether you owe a bill from there or not. So it's a little bit complex the way that the ACO do it. It's definitely not fair because you think you're doing the right thing.\n\nBut I have unfortunately seen it occur the way the way it's happened\n\nChannel 1: Yeah.\n\nChannel 0: for you. So\n\nChannel 1: Yeah.\n\nChannel 0: it's\n\nChannel 1: And\n\nChannel 0: definitely\n\nChannel 1: where's\n\nChannel 0: something\n\nChannel 1: the\n\nChannel 0: I would talk\n\nChannel 1: where's\n\nChannel 0: to your accountant\n\nChannel 1: where's\n\nChannel 0: about.\n\nChannel 1: the incentive in banking money with a high interest so you can grow your little bit of money that you've got if you then\n\nChannel 0: Yeah.\n\nChannel 1: gotta classify that as an income? Like, well, there's\n\nChannel 0: Yeah.\n\nChannel 1: no point. Like, you I don't know. I just I don't see the I don't know. You put it in the bank to make more money,\n\nChannel 0: Yeah. That's\n\nChannel 1: but then\n\nChannel 0: stressful.\n\nChannel 1: you'll have money taken off you for\n\nChannel 0: Yeah.\n\nChannel 1: that. So it's not\n\nChannel 0: Correct.\n\nChannel 1: as grand as what\n\nChannel 0: Yeah.\n\nChannel 1: it seems. And\n\nChannel 0: No.\n\nChannel 1: and\n\nChannel 0: No. No.\n\nChannel 1: the and the Medicare levy, is that, like, a levy surcharge that we pay for\n\nChannel 0: Mhmm.\n\nChannel 1: everything Medicare related that we get that's both billed? Because, obviously, someone's\n\nChannel 0: That's,\n\nChannel 1: gotta pay for that.\n\nChannel 0: yeah, that's correct. Yeah. So the Medicare levy to 2%, that covers the cost of running and looking after Medicare. So whilst we assume we get the health care for free, we technically don't. We all\n\nChannel 1: We're\n\nChannel 0: pay\n\nChannel 1: technically\n\nChannel 0: for it as part\n\nChannel 1: done. And\n\nChannel 0: of\n\nChannel 1: you\n\nChannel 0: our\n\nChannel 1: know\n\nChannel 0: tax.\n\nChannel 1: what? The crazy thing is\n\nChannel 0: Yep.\n\nChannel 1: in the last eighteen months, doctors have still been charging a fee.\n\nChannel 0: Yep.\n\nChannel 1: So for instance,\n\nChannel 0: Yep.\n\nChannel 1: what was both billing now cost me $84, and I tap once,\n\nChannel 0: Yep.\n\nChannel 1: pay $84, tap again, and I get $42 back. So every doctor's\n\nChannel 0: Yep.\n\nChannel 1: appointment is now costing me an extra $40 times however many doctor's appointments in a year, that\n\nChannel 0: Yep.\n\nChannel 1: extra. So shouldn't\n\nChannel 0: It's\n\nChannel 1: that\n\nChannel 0: crazy.\n\nChannel 1: shouldn't everything just be bulk billed if we're being charged for it in the levy? I don't really\n\nChannel 0: Yeah.\n\nChannel 1: understand how that is fair or works\n\nChannel 0: Yeah.\n\nChannel 1: because wages\n\nChannel 0: No. I\n\nChannel 1: don't go\n\nChannel 0: agree.\n\nChannel 1: up.\n\nChannel 0: Yeah. I agree with you on that one. Absolutely. My son doesn't get bulk billed for Medicare for a doctor's appointments anymore. I have to pay a full for him and then claim it back, and it costs a $100 to take him for a fifteen minute doctor's appointment.\n\nIt's pretty expensive.\n\nChannel 1: I know.\n\nChannel 0: Horrible,\n\nChannel 1: It's ridiculous.\n\nChannel 0: isn't it? We don't get much\n\nChannel 1: I\n\nChannel 0: back. So\n\nChannel 1: know.\n\nChannel 0: I understand your pain. It's not not very fair. They tax us and see us coming on absolutely everything.\n\nChannel 1: I know. Anyway\n\nChannel 0: Yep.\n\nChannel 1: alright. Did you want me to sign now? We up to that part?\n\nChannel 0: It's completely up to you. The last sort of sections there are just about making sure that you do seek the services of a solicitor and update your will, power of attorneys, and things like that. Just making sure all of those documents are up to date and and relevant there for you. I also just wanted to direct you down to, if you can, to page number 32, and this just outlines that remuneration side of things. So remember I talked about the ongoing service fee, but did you a solid and reduced it down to 1.10% there for you.\n\nChannel 1: Yes.\n\nChannel 0: And this page shows you that percentage so you can see it nice and clearly, and it shows as per the above table that we expected to be $1,219 for the year there. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Okay?\n\nChannel 1: Yep.\n\nChannel 0: Excellent. Underneath that, we just like to be open and clear with everything. So because you've got your Zurich insurance policy, we do receive we can see the policy. It is sort of looked after by us as well where the adviser's noted on the policy. So we do receive remuneration on that.\n\nWe do receive 22% ongoing per year for the premiums there. We just like to be open and disclose that to you so you're fully aware, but it has no effect on my recommendations. We're retaining that policy and keeping it as it is because it suited your needs at the moment, but we will review that moving down the track. And should you wanna make alterations or change the policy, we will. It'll be all about your goals and what's right for you and in your best interest.\n\nIt'll have nothing to do with remuneration side of things for me. So I don't receive any of that. That goes to the company, and I receive a wage for doing what I do. So, I just\n\nChannel 1: Yeah.\n\nChannel 0: like to be open and honest and clear with you and show you that so you're fully aware. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Excellent. So you're welcome to take it back and have a good read to the document if you would like to. If you're happy to sign to take on the recommendations, you're more than welcome to as well. It's completely up to you. Once you've signed this document, the next document it does take you to is the ongoing service agreement for this next twelve months there.\n\nAnd by signing that document, you are agreeing to the ongoing service fee and the percentage of 1.10%. Okay?\n\nChannel 1: Yep. The thing wasn't\n\nChannel 0: Excellent.\n\nChannel 1: loading. It wasn't working\n\nChannel 0: Oh,\n\nChannel 1: for me. I'm gonna I'm gonna go into it again.\n\nChannel 0: yeah.\n\nChannel 1: I just\n\nChannel 0: You're\n\nChannel 1: want\n\nChannel 0: right.\n\nChannel 1: to start. So what do I do? I click to start\n\nChannel 0: Yep.\n\nChannel 1: and then\n\nChannel 0: And\n\nChannel 1: do I I click sign all?\n\nChannel 0: that's the one, and it will give you an option. It should bring up a signature if you're happy for it to just prepopulate\n\nChannel 1: Yeah.\n\nChannel 0: for you. Yep.\n\nChannel 1: Yeah. Then it says next.\n\nChannel 0: Next. Beautiful.\n\nChannel 1: Next document.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. Next document.\n\nChannel 0: Perfect.\n\nChannel 1: Now it's saying click to start again. Is that right? Yeah. Must\n\nChannel 0: Yep.\n\nChannel 1: be the other spot with the signature that you were talking\n\nChannel 0: That\n\nChannel 1: about.\n\nChannel 0: makes\n\nChannel 1: Yeah.\n\nChannel 0: sense. Yeah. I always thought with this system when it says sign all, it should just automatically sign all, but\n\nChannel 1: Everything.\n\nChannel 0: it's sort of one document\n\nChannel 1: Yeah.\n\nChannel 0: at a time.\n\nChannel 1: It says, now I've got a ticket signed. You'll get the signed document by email.\n\nChannel 0: Let's\n\nChannel 1: So I must have done\n\nChannel 0: wonderful.\n\nChannel 1: it.\n\nChannel 0: Thank you so much for that. You will have a copy there that you can download if you would like to. And if you do need a copy, my team are more than welcome are more than happy to also email you through a copy there as well. But thank you so much for your time today. I've really enjoyed putting this together for you.\n\nWe'll do a catch up in six months to see how things are tracking there for you. And if you find you have any questions or need anything in the meantime, please let me know. I'm more than happy to make extra time to follow-up and see how everything's tracking for you. Okay?\n\nChannel 1: No worries. No worries.\n\nChannel 0: Thank thank you\n\nChannel 1: Alright.\n\nChannel 0: so much for your time. I hope you enjoy your day. I hope your son\n\nChannel 1: Thanks,\n\nChannel 0: has\n\nChannel 1: Sarah.\n\nChannel 0: fun at his transition day.\n\nChannel 1: Thank you. Talk to you soon.\n\nChannel 0: Well, Dave. Thanks, Camilla.\n\nChannel 1: Thank\n\nChannel 0: See\n\nChannel 1: you.\n\nChannel 0: you later.\n\nChannel 1: Bye bye.\n\nChannel 0: Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hi, Camilla.","start":3.4399998,"end":4.16,"sentiment":"neutral","sentiment_score":0.15681081265211105},{"text":"This is Dana from Oku Financial.","start":4.16,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.1703719968597094},{"text":"How are you today?","start":5.8399997,"end":6.8199997,"sentiment":"neutral","sentiment_score":0.22832097113132477}],"sentiment":"neutral","sentiment_score":0.18742812424898148,"channel":0,"num_words":12,"start":3.4399998,"end":6.8199997},{"sentences":[{"text":"Good.","start":7.2,"end":7.44,"sentiment":"positive","sentiment_score":0.6037395000457764},{"text":"Thanks.","start":7.44,"end":7.94,"sentiment":"positive","sentiment_score":0.690333902835846}],"sentiment":"positive","sentiment_score":0.6470367014408112,"channel":1,"num_words":2,"start":7.2,"end":7.94},{"sentences":[{"text":"That's good.","start":8.559999,"end":9.2,"sentiment":"positive","sentiment_score":0.7009665966033936},{"text":"I had you booked in just to go through your updated statement of advice.","start":9.2,"end":12.0,"sentiment":"positive","sentiment_score":0.38073333884988514},{"text":"Is now still a good time there for you?","start":12.0,"end":13.94,"sentiment":"positive","sentiment_score":0.3501672115590837}],"sentiment":"positive","sentiment_score":0.3953481936454773,"channel":0,"num_words":25,"start":8.559999,"end":13.94},{"sentences":[{"text":"Yep.","start":14.32,"end":14.639999,"sentiment":"neutral","sentiment_score":0.19763122498989105},{"text":"That's fine.","start":14.639999,"end":15.46,"sentiment":"positive","sentiment_score":0.3603205233812332}],"sentiment":"neutral","sentiment_score":0.3060907572507858,"channel":1,"num_words":3,"start":14.32,"end":15.46},{"sentences":[{"text":"Fantastic.","start":16.215,"end":16.715,"sentiment":"positive","sentiment_score":0.6924899220466614},{"text":"I do have the document to send through to you there as well.","start":17.015,"end":19.975,"sentiment":"positive","sentiment_score":0.35184817818494946},{"text":"Are you able to access your emails at the moment at all?","start":19.975,"end":22.795,"sentiment":"neutral","sentiment_score":0.13360017786423364}],"sentiment":"neutral","sentiment_score":0.2642199374162234,"channel":0,"num_words":26,"start":16.215,"end":22.795},{"sentences":[{"text":"Yep.","start":23.105,"end":23.605,"sentiment":"neutral","sentiment_score":0.1690128743648529}],"sentiment":"neutral","sentiment_score":0.1690128743648529,"channel":1,"num_words":1,"start":23.105,"end":23.605},{"sentences":[{"text":"Fantastic.","start":24.535,"end":25.035,"sentiment":"positive","sentiment_score":0.48807018995285034},{"text":"I'll just send that one through to you.","start":25.175,"end":27.275002,"sentiment":"positive","sentiment_score":0.36178602278232574},{"text":"Just while it is coming through, I do have to let you know we do record our calls for quality and training purposes.","start":27.654999,"end":32.39,"sentiment":"neutral","sentiment_score":0.2483392850212429},{"text":"Are you happy with me proceeding with that moving forward?","start":32.39,"end":34.97,"sentiment":"positive","sentiment_score":0.3649081587791443}],"sentiment":"neutral","sentiment_score":0.3034105598926544,"channel":0,"num_words":42,"start":24.535,"end":34.97},{"sentences":[{"text":"Yep.","start":35.49,"end":35.99,"sentiment":"neutral","sentiment_score":0.20966610312461853}],"sentiment":"neutral","sentiment_score":0.20966610312461853,"channel":1,"num_words":1,"start":35.49,"end":35.99},{"sentences":[{"text":"Fantastic.","start":36.79,"end":37.29,"sentiment":"positive","sentiment_score":0.4620751738548279},{"text":"And just to do a quick security check there for you as well, just because we are discussing your personal information, I'll just get to confirm your full name, your date of birth, and address I should have on file.","start":37.51,"end":46.675,"sentiment":"neutral","sentiment_score":0.19315692018717528}],"sentiment":"neutral","sentiment_score":0.19971590198394729,"channel":0,"num_words":41,"start":36.79,"end":46.675},{"sentences":[{"text":"Camila barrett","start":47.395,"end":48.375,"sentiment":"neutral","sentiment_score":0.027917303144931793}],"sentiment":"neutral","sentiment_score":0.027917303144931793,"channel":1,"num_words":2,"start":47.395,"end":48.375},{"sentences":[{"text":"Yep.","start":49.055,"end":49.555,"sentiment":"neutral","sentiment_score":0.02718454599380493}],"sentiment":"neutral","sentiment_score":0.02718454599380493,"channel":0,"num_words":1,"start":49.055,"end":49.555},{"sentences":[{"text":"camilabarrett@icloud.com.","start":50.195,"end":52.375,"sentiment":"neutral","sentiment_score":0.03920625150203705},{"text":"Did","start":53.555,"end":53.795,"sentiment":"neutral","sentiment_score":0.009990771301090716}],"sentiment":"neutral","sentiment_score":0.024598511401563883,"channel":1,"num_words":2,"start":50.195,"end":53.795},{"sentences":[{"text":"Yep.","start":53.775,"end":54.275,"sentiment":"neutral","sentiment_score":0.013561321422457697}],"sentiment":"neutral","sentiment_score":0.013561321422457697,"channel":0,"num_words":1,"start":53.775,"end":54.275},{"sentences":[{"text":"you say did you say email?","start":53.795,"end":56.215,"sentiment":"neutral","sentiment_score":0.0017841248773038387}],"sentiment":"neutral","sentiment_score":0.0017841248773038387,"channel":1,"num_words":6,"start":53.795,"end":56.215},{"sentences":[{"text":"The full name, address, and date of birth.","start":57.0,"end":59.079998,"sentiment":"neutral","sentiment_score":0.01799525017850101},{"text":"So sorry.","start":59.079998,"end":59.82,"sentiment":"neutral","sentiment_score":-0.010698116384446621}],"sentiment":"neutral","sentiment_score":0.012256576865911483,"channel":0,"num_words":10,"start":57.0,"end":59.82},{"sentences":[{"text":"Address.","start":59.77,"end":60.25,"sentiment":"neutral","sentiment_score":-0.0060343388468027115},{"text":"Address.","start":60.25,"end":60.75,"sentiment":"neutral","sentiment_score":0.0014209323562681675},{"text":"36 McBay Street, Pimpama,","start":61.129997,"end":63.23,"sentiment":"neutral","sentiment_score":0.013059668242931366}],"sentiment":"neutral","sentiment_score":0.00793754441353182,"channel":1,"num_words":6,"start":59.77,"end":63.23},{"sentences":[{"text":"Yep.","start":63.96,"end":64.46,"sentiment":"neutral","sentiment_score":0.02876197174191475}],"sentiment":"neutral","sentiment_score":0.02876197174191475,"channel":0,"num_words":1,"start":63.96,"end":64.46},{"sentences":[{"text":"and 16th Of The 1277.","start":64.729996,"end":66.909996,"sentiment":"neutral","sentiment_score":0.022823575884103775}],"sentiment":"neutral","sentiment_score":0.022823575884103775,"channel":1,"num_words":5,"start":64.729996,"end":66.909996},{"sentences":[{"text":"Beautiful.","start":67.24,"end":67.72,"sentiment":"positive","sentiment_score":0.3713432550430298},{"text":"Thank you so much for that.","start":67.72,"end":69.0,"sentiment":"positive","sentiment_score":0.42619872589906055},{"text":"Sorry about that confusion there.","start":69.0,"end":70.605,"sentiment":"neutral","sentiment_score":-0.0856880322098732},{"text":"How's your day been so far?","start":72.285,"end":73.985,"sentiment":"neutral","sentiment_score":0.008941140801956257}],"sentiment":"neutral","sentiment_score":0.14187457189998692,"channel":0,"num_words":18,"start":67.24,"end":73.985},{"sentences":[{"text":"Busy busy working.","start":74.965,"end":76.345,"sentiment":"neutral","sentiment_score":-0.08578285078207652}],"sentiment":"neutral","sentiment_score":-0.08578285078207652,"channel":1,"num_words":3,"start":74.965,"end":76.345},{"sentences":[{"text":"Oh, are you getting lunch break soon, or you're having a bit of a break shortly, or is this it?","start":77.325005,"end":82.145004,"sentiment":"neutral","sentiment_score":-0.0331338994204998}],"sentiment":"neutral","sentiment_score":-0.0331338994204998,"channel":0,"num_words":20,"start":77.325005,"end":82.145004},{"sentences":[{"text":"Sort 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know.","start":119.54,"end":122.979996,"sentiment":"neutral","sentiment_score":0.26780753902026583},{"text":"Okay?","start":122.979996,"end":123.479996,"sentiment":"neutral","sentiment_score":0.236660897731781}],"sentiment":"neutral","sentiment_score":0.2657310962677002,"channel":0,"num_words":15,"start":119.54,"end":123.479996},{"sentences":[{"text":"Mhmm.","start":124.329994,"end":124.829994,"sentiment":"neutral","sentiment_score":0.18674659729003903}],"sentiment":"neutral","sentiment_score":0.18674659729003903,"channel":1,"num_words":1,"start":124.329994,"end":124.829994},{"sentences":[{"text":"Fantastic.","start":125.435,"end":125.935,"sentiment":"positive","sentiment_score":0.6373291015625},{"text":"Now has that email come through to you there at all as of 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fine.","start":162.81499,"end":165.635,"sentiment":"neutral","sentiment_score":0.036304965242743494},{"text":"On the very front page, it sort of dropped you down a few pages there, but it does have all my authorized representative license number.","start":166.71,"end":173.67,"sentiment":"neutral","sentiment_score":0.10715264335274696},{"text":"So I'm a licensed adviser, and my representative number is 1304394.","start":173.67,"end":178.39,"sentiment":"neutral","sentiment_score":0.13229874521493912}],"sentiment":"neutral","sentiment_score":0.09464044969839354,"channel":0,"num_words":48,"start":162.33499,"end":178.39},{"sentences":[{"text":"That's all good.","start":178.39,"end":179.45,"sentiment":"positive","sentiment_score":0.5742121736208597},{"text":"The next page as you are scrolling through has the best interest duty, and that's just letting you know that any advice we do provide is done under the best interest 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page you were looking at just before there was the scoping in and out section.","start":200.28,"end":204.68001,"sentiment":"neutral","sentiment_score":-0.02095163449206773},{"text":"So that's essentially focusing on areas that we are and are not looking at advice with regard to this advice document for you.","start":204.68001,"end":211.215,"sentiment":"neutral","sentiment_score":-0.04362268713505372},{"text":"So","start":211.69499,"end":211.775,"sentiment":"neutral","sentiment_score":-0.004528306424617767}],"sentiment":"neutral","sentiment_score":-0.0332689730950245,"channel":0,"num_words":41,"start":200.28,"end":211.775},{"sentences":[{"text":"Uh-huh.","start":211.755,"end":212.255,"sentiment":"neutral","sentiment_score":0.00020580366253852844}],"sentiment":"neutral","sentiment_score":0.00020580366253852844,"channel":1,"num_words":1,"start":211.755,"end":212.255},{"sentences":[{"text":"the areas that we are scoping in or looking at with the recommendations are superannuation.","start":211.775,"end":216.355,"sentiment":"neutral","sentiment_score":0.0030429971714814505},{"text":"I've got a bit of a state planning there for you as well.","start":217.055,"end":219.795,"sentiment":"neutral","sentiment_score":0.05345496707237684},{"text":"And then we've also, just as a limited scope, considered the insurance aspect.","start":220.735,"end":224.675,"sentiment":"neutral","sentiment_score":0.016344788699195936},{"text":"So we weren't changing anything with the insurances, but we are scoping them into an extent that they are paid out of super.","start":224.7,"end":231.58,"sentiment":"neutral","sentiment_score":0.04981007880490759},{"text":"So it does have an effect on your super, and we've incorporated that into the projections for you.","start":231.58,"end":236.31999,"sentiment":"neutral","sentiment_score":0.2672753855586052}],"sentiment":"neutral","sentiment_score":0.0842637870142736,"channel":0,"num_words":82,"start":211.775,"end":236.31999},{"sentences":[{"text":"Okay?","start":236.37999,"end":236.87999,"sentiment":"neutral","sentiment_score":0.08481255173683167}],"sentiment":"neutral","sentiment_score":0.08481255173683167,"channel":0,"num_words":1,"start":236.37999,"end":236.87999},{"sentences":[{"text":"Mhmm.","start":236.9,"end":237.4,"sentiment":"neutral","sentiment_score":0.1329229176044464}],"sentiment":"neutral","sentiment_score":0.1329229176044464,"channel":1,"num_words":1,"start":236.9,"end":237.4},{"sentences":[{"text":"Beautiful.","start":237.9,"end":238.4,"sentiment":"positive","sentiment_score":0.5614209175109863}],"sentiment":"positive","sentiment_score":0.5614209175109863,"channel":0,"num_words":1,"start":237.9,"end":238.4},{"sentences":[{"text":"Yep.","start":238.31499,"end":238.81499,"sentiment":"neutral","sentiment_score":0.2880322337150574}],"sentiment":"neutral","sentiment_score":0.2880322337150574,"channel":1,"num_words":1,"start":238.31499,"end":238.81499},{"sentences":[{"text":"On page number five, it has the areas that we're not looking at new advice for.","start":239.595,"end":243.675,"sentiment":"neutral","sentiment_score":-0.04299554810859263},{"text":"So income protection and trauma has been scoped out of this.","start":243.675,"end":247.35501,"sentiment":"neutral","sentiment_score":-0.18910464576699518},{"text":"If you wanted to look at additional recommendations about insurances, we can come back and have that conversation at a later time there with you.","start":247.35501,"end":254.67,"sentiment":"neutral","sentiment_score":0.08553796947002411},{"text":"And we're also not scoping in the retirement income needs as of yet.","start":255.15,"end":258.75,"sentiment":"neutral","sentiment_score":-0.12072943781430905},{"text":"So you're a little over ten years away there from being able to access super as per your goal.","start":258.75,"end":263.63,"sentiment":"neutral","sentiment_score":-0.09717591224532378}],"sentiment":"neutral","sentiment_score":-0.04816018643655947,"channel":0,"num_words":84,"start":239.595,"end":263.63},{"sentences":[{"text":"So we are essentially just not focusing on the building of your super and what to do now to help it increase and build over time.","start":263.63,"end":271.035,"sentiment":"neutral","sentiment_score":0.02589311909217101},{"text":"When you get closer to accessing your super, then we'll certainly look at, you know, the drawing down the retirement aspect and what that looks like for you.","start":271.035,"end":278.635,"sentiment":"neutral","sentiment_score":0.11512184196284839},{"text":"Okay?","start":278.635,"end":279.135,"sentiment":"neutral","sentiment_score":0.07929576933383942}],"sentiment":"neutral","sentiment_score":0.07228960801254619,"channel":0,"num_words":55,"start":263.63,"end":279.135},{"sentences":[{"text":"Yep.","start":279.245,"end":279.745,"sentiment":"neutral","sentiment_score":0.09156634658575058},{"text":"Yep.","start":279.805,"end":280.305,"sentiment":"neutral","sentiment_score":0.08510337769985199}],"sentiment":"neutral","sentiment_score":0.08833486214280128,"channel":1,"num_words":2,"start":279.245,"end":280.305},{"sentences":[{"text":"And estate planning has been both scoped in and out because there are different stages to it.","start":280.555,"end":284.85,"sentiment":"neutral","sentiment_score":0.06514959979583235},{"text":"So we're scoping in just looking at making sure you've got a will and power of attorney updated to make sure they reflect your current wishes.","start":284.85,"end":291.59,"sentiment":"neutral","sentiment_score":0.13099652614731055},{"text":"We are scoping out estate planning with the side of the beneficiary nominations.","start":291.89,"end":295.91,"sentiment":"neutral","sentiment_score":0.1630429894878314},{"text":"So you have those in place.","start":295.97,"end":297.25,"sentiment":"neutral","sentiment_score":0.20502794533967972},{"text":"You confirm that you were comfortable with how your beneficiary nominations were set up.","start":297.25,"end":301.325,"sentiment":"neutral","sentiment_score":0.2007658119712557}],"sentiment":"neutral","sentiment_score":0.14044606288600908,"channel":0,"num_words":76,"start":280.555,"end":301.325},{"sentences":[{"text":"So we're scoping scoping that side of it out for you.","start":301.545,"end":305.065,"sentiment":"neutral","sentiment_score":0.22276375510475852},{"text":"Okay?","start":305.065,"end":305.565,"sentiment":"neutral","sentiment_score":0.10588665306568146}],"sentiment":"neutral","sentiment_score":0.2130239966015021,"channel":0,"num_words":12,"start":301.545,"end":305.565},{"sentences":[{"text":"Yep.","start":306.36502,"end":306.86502,"sentiment":"neutral","sentiment_score":0.20819410681724548}],"sentiment":"neutral","sentiment_score":0.20819410681724548,"channel":1,"num_words":1,"start":306.36502,"end":306.86502},{"sentences":[{"text":"Beautiful.","start":306.985,"end":307.485,"sentiment":"positive","sentiment_score":0.4443223476409912},{"text":"I will skip a few pages now if that's okay.","start":309.065,"end":312.025,"sentiment":"neutral","sentiment_score":0.11290978044271469},{"text":"Essentially, I'm gonna get you to go down for me just to page number 13.","start":312.025,"end":319.31998,"sentiment":"neutral","sentiment_score":0.09341822937130928}],"sentiment":"neutral","sentiment_score":0.1144112920245299,"channel":0,"num_words":26,"start":306.985,"end":319.31998},{"sentences":[{"text":"Yep.","start":319.8,"end":320.3,"sentiment":"neutral","sentiment_score":0.08522802591323853}],"sentiment":"neutral","sentiment_score":0.08522802591323853,"channel":1,"num_words":1,"start":319.8,"end":320.3},{"sentences":[{"text":"Yeah.","start":320.25998,"end":320.75998,"sentiment":"neutral","sentiment_score":0.08497792482376099}],"sentiment":"neutral","sentiment_score":0.08497792482376099,"channel":0,"num_words":1,"start":320.25998,"end":320.75998},{"sentences":[{"text":"Strategy recommendations.","start":320.36002,"end":321.42,"sentiment":"neutral","sentiment_score":0.1330665722489357}],"sentiment":"neutral","sentiment_score":0.1330665722489357,"channel":1,"num_words":2,"start":320.36002,"end":321.42},{"sentences":[{"text":"That's the one.","start":322.41998,"end":323.3,"sentiment":"neutral","sentiment_score":0.12609278659025827},{"text":"Yeah.","start":323.3,"end":323.78,"sentiment":"neutral","sentiment_score":0.12076778709888458},{"text":"So, essentially, we had a bit of a look at your super.","start":323.78,"end":326.43997,"sentiment":"neutral","sentiment_score":0.12396470581491788},{"text":"You're in that discovery menu at the moment, so you do that.","start":326.5,"end":329.755,"sentiment":"neutral","sentiment_score":0.14389453579982123},{"text":"Essentially, with the way hub 24 works is it has several layers within the platform.","start":329.755,"end":333.99503,"sentiment":"neutral","sentiment_score":0.11591470850010713}],"sentiment":"neutral","sentiment_score":0.1267925040406543,"channel":0,"num_words":43,"start":322.41998,"end":333.99503},{"sentences":[{"text":"So you have different different super funds within the platform, and they have, like, discovery menu, which is the cheapest option to access, but it has very limited options of availability of funds to invest you in.","start":333.99503,"end":345.66,"sentiment":"neutral","sentiment_score":0.032865819798128026},{"text":"So when Bart moved you into that prior, it was about making sure you had a lower cost fund and just popping you into a good quality investment product to kinda get your super growing and building within that time frame with the view that as your super built over time, that we could move you into a much more sophisticated super fund and or platform there.","start":345.66,"end":364.575,"sentiment":"positive","sentiment_score":0.4275477150482918}],"sentiment":"neutral","sentiment_score":0.28713204077659893,"channel":0,"num_words":104,"start":333.99503,"end":364.575},{"sentences":[{"text":"Yep.","start":364.995,"end":365.495,"sentiment":"neutral","sentiment_score":0.137822687625885}],"sentiment":"neutral","sentiment_score":0.137822687625885,"channel":1,"num_words":1,"start":364.995,"end":365.495},{"sentences":[{"text":"Within Hub twenty four, they have access to those more sophisticated menu options, as we call them, or different areas within the Superfund.","start":365.035,"end":372.78998,"sentiment":"neutral","sentiment_score":0.10483531038398328},{"text":"They have the Discover menu, they have a Core, and they have a Choice.","start":372.93,"end":376.15,"sentiment":"neutral","sentiment_score":0.08805059162633759},{"text":"I'm recommending that we move you out of Discover menu and into the Choice menu.","start":376.77,"end":380.69,"sentiment":"neutral","sentiment_score":0.10807174195845921},{"text":"This is a very simple process.","start":380.69,"end":382.28998,"sentiment":"positive","sentiment_score":0.48797745009263355},{"text":"There's nothing you need to do on the back end.","start":382.28998,"end":384.21,"sentiment":"neutral","sentiment_score":0.2103641852736473}],"sentiment":"neutral","sentiment_score":0.15141916329808094,"channel":0,"num_words":68,"start":365.035,"end":384.21},{"sentences":[{"text":"It's just a form.","start":384.21,"end":385.34998,"sentiment":"neutral","sentiment_score":0.18892723694443703},{"text":"You essentially sign that form and have 24 move everything in the back end.","start":385.50497,"end":389.585,"sentiment":"neutral","sentiment_score":0.18729870979275023},{"text":"Your super account stays exactly the same from what you can see it as.","start":389.585,"end":393.44498,"sentiment":"positive","sentiment_score":0.4259541098560606},{"text":"It's just","start":393.50497,"end":393.905,"sentiment":"neutral","sentiment_score":0.2936471849679947}],"sentiment":"neutral","sentiment_score":0.292015964494032,"channel":0,"num_words":34,"start":384.21,"end":393.905},{"sentences":[{"text":"Yep.","start":393.79498,"end":394.29498,"sentiment":"neutral","sentiment_score":0.31994563341140747}],"sentiment":"neutral","sentiment_score":0.31994563341140747,"channel":1,"num_words":1,"start":393.79498,"end":394.29498},{"sentences":[{"text":"that in the back end, they open up the menu options, which allows us to invest in a lot more different investment options, if that makes sense.","start":393.905,"end":400.5,"sentiment":"neutral","sentiment_score":0.27385468615425956}],"sentiment":"neutral","sentiment_score":0.27385468615425956,"channel":0,"num_words":27,"start":393.905,"end":400.5},{"sentences":[{"text":"Yep.","start":400.98,"end":401.48,"sentiment":"neutral","sentiment_score":0.12916749715805054}],"sentiment":"neutral","sentiment_score":0.12916749715805054,"channel":1,"num_words":1,"start":400.98,"end":401.48},{"sentences":[{"text":"It's all just an administrative thing, essentially.","start":401.94,"end":404.36,"sentiment":"neutral","sentiment_score":0.06537175072090966},{"text":"So we are recommending that we move you out of that Discover side of hub twenty four and move you into the full menu there.","start":406.74,"end":413.145,"sentiment":"neutral","sentiment_score":0.09683622717857361},{"text":"That opens up, as I mentioned, all the different investment options there for you.","start":413.22498,"end":417.16498,"sentiment":"neutral","sentiment_score":0.26545787496226175},{"text":"Once we have completed that, we will then reinvest your portfolio, and I'll take you through how that will look for you shortly there.","start":417.465,"end":424.60498,"sentiment":"neutral","sentiment_score":0.3163878892858823},{"text":"There'll be no real changes that you will see on your side of things.","start":425.305,"end":428.30002,"sentiment":"neutral","sentiment_score":0.26084641367197037}],"sentiment":"neutral","sentiment_score":0.212381872836323,"channel":0,"num_words":84,"start":401.94,"end":428.30002},{"sentences":[{"text":"You'll have twenty four super account number stays exactly the same.","start":428.30002,"end":431.42,"sentiment":"positive","sentiment_score":0.44682624665173615},{"text":"It's just that you will see the investments changing in the back end there.","start":431.42,"end":434.96002,"sentiment":"neutral","sentiment_score":0.26271575902189526}],"sentiment":"positive","sentiment_score":0.34372437357902524,"channel":0,"num_words":25,"start":428.30002,"end":434.96002},{"sentences":[{"text":"Yes.","start":435.345,"end":435.845,"sentiment":"neutral","sentiment_score":0.3265705108642578}],"sentiment":"neutral","sentiment_score":0.3265705108642578,"channel":1,"num_words":1,"start":435.345,"end":435.845},{"sentences":[{"text":"We are still also recommending your super contributions and your salary sacrifice stays the same as well.","start":435.42,"end":440.875,"sentiment":"positive","sentiment_score":0.4127113889245426},{"text":"You did mention you were happy with the level of salary sacrifice there.","start":440.875,"end":444.33502,"sentiment":"positive","sentiment_score":0.4650101157335135},{"text":"If you ever find that you wanted to review that level, come back and let me know.","start":444.55502,"end":448.415,"sentiment":"neutral","sentiment_score":0.1958889391492395},{"text":"We can always definitely reevaluate the level, make sure it's, you know, suiting your cash flow, but making sure it's helping to boost your super down the track there as well.","start":448.795,"end":456.73,"sentiment":"positive","sentiment_score":0.3816275115936033},{"text":"Okay?","start":456.73,"end":457.23,"sentiment":"neutral","sentiment_score":0.1535702645778656}],"sentiment":"positive","sentiment_score":0.3591817747565764,"channel":0,"num_words":79,"start":435.42,"end":457.23},{"sentences":[{"text":"Yep.","start":458.13,"end":458.63,"sentiment":"positive","sentiment_score":0.35866448283195496}],"sentiment":"positive","sentiment_score":0.35866448283195496,"channel":1,"num_words":1,"start":458.13,"end":458.63},{"sentences":[{"text":"Excellent.","start":459.21,"end":459.71,"sentiment":"positive","sentiment_score":0.7182356119155884},{"text":"When you do take some time to read it through, essentially, I do have what's called the best interest duties.","start":460.09,"end":465.29,"sentiment":"neutral","sentiment_score":0.2768860999494791},{"text":"This is relating the recommendations back to your goals and why we've made those recommendations and how they are in your best interest moving forward for you.","start":465.29,"end":472.555,"sentiment":"neutral","sentiment_score":0.30596780004324736},{"text":"So I'll let you go back and have a read through that.","start":472.555,"end":474.955,"sentiment":"neutral","sentiment_score":0.1875114974876245},{"text":"There's quite a lot of wording in here, so I'll skip a lot of that to make it easier on you today.","start":474.955,"end":479.535,"sentiment":"neutral","sentiment_score":0.12457385930148038}],"sentiment":"neutral","sentiment_score":0.2379006230067916,"channel":0,"num_words":82,"start":459.21,"end":479.535},{"sentences":[{"text":"Okay.","start":480.38,"end":480.88,"sentiment":"neutral","sentiment_score":0.07251343131065369}],"sentiment":"neutral","sentiment_score":0.07251343131065369,"channel":1,"num_words":1,"start":480.38,"end":480.88},{"sentences":[{"text":"Okay.","start":480.47498,"end":480.97498,"sentiment":"neutral","sentiment_score":0.06264413148164749},{"text":"If I can get you to move down for me just to page number 17, I can sort of show you a bit more detail around those recommendations there.","start":482.17,"end":490.19,"sentiment":"neutral","sentiment_score":0.06790650417578631}],"sentiment":"neutral","sentiment_score":0.06773109175264835,"channel":0,"num_words":30,"start":480.47498,"end":490.19},{"sentences":[{"text":"Yeah.","start":490.79498,"end":491.29498,"sentiment":"neutral","sentiment_score":0.26364463567733765}],"sentiment":"neutral","sentiment_score":0.26364463567733765,"channel":1,"num_words":1,"start":490.79498,"end":491.29498},{"sentences":[{"text":"Beautiful.","start":492.09,"end":492.59,"sentiment":"positive","sentiment_score":0.5377551317214966},{"text":"So as I kinda mentioned, we are looking to move you out the Discover menu and into the choice menu there.","start":493.45,"end":498.905,"sentiment":"neutral","sentiment_score":0.18699334065119425},{"text":"The first column here shows your current balance, which at the moment, your balance is up to 100,044, which is fantastic.","start":499.045,"end":505.465,"sentiment":"positive","sentiment_score":0.4135066668192546},{"text":"It's a lovely increase over the last couple of years there in your super.","start":505.525,"end":508.905,"sentiment":"positive","sentiment_score":0.6387906691857747},{"text":"Within the Discover menu, as I kinda mentioned before, it is a much cheaper menu.","start":510.7,"end":514.62,"sentiment":"neutral","sentiment_score":0.2272620548804601}],"sentiment":"positive","sentiment_score":0.35417021500567597,"channel":0,"num_words":72,"start":492.09,"end":514.62},{"sentences":[{"text":"It is designed to sorta have for lower balances where you put the money in and try to build your super so as you can move it into those more sophisticated products down the track there.","start":514.62,"end":523.76,"sentiment":"neutral","sentiment_score":0.2995819341805246},{"text":"Within the Discover menu, they don't have administration fees.","start":524.295,"end":527.255,"sentiment":"neutral","sentiment_score":0.08121014986601141},{"text":"However, you were paying investment fees for the investment products you were in, and they had other fees applicable to the funds.","start":527.255,"end":533.415,"sentiment":"neutral","sentiment_score":0.13839771734042602},{"text":"So, like, management fees and things that fit into the other category.","start":533.415,"end":537.59503,"sentiment":"neutral","sentiment_score":0.22068365042408308},{"text":"Your contributions are just still going in and have been going in nicely.","start":538.68,"end":542.44,"sentiment":"positive","sentiment_score":0.6273662768877469}],"sentiment":"neutral","sentiment_score":0.2757016974501312,"channel":0,"num_words":92,"start":514.62,"end":542.44},{"sentences":[{"text":"That's including your salary sacrifice, and that's showing net contribution for after the 15% tax has been deducted there, and your insurance premiums have been coming out at that level.","start":542.44,"end":552.62,"sentiment":"positive","sentiment_score":0.4037353307008743},{"text":"You are in that high growth environment there.","start":553.185,"end":555.34503,"sentiment":"neutral","sentiment_score":0.24130182340741158},{"text":"And as we kind of reassess, it is important to sort of stay in that high growth environment.","start":555.34503,"end":559.105,"sentiment":"neutral","sentiment_score":0.2563265760739644},{"text":"You are happy with that.","start":559.105,"end":560.145,"sentiment":"positive","sentiment_score":0.46943235099315644},{"text":"Your main sort of goal is to boost your super and build it as much as you possibly can towards your retirement goals there.","start":560.145,"end":566.01,"sentiment":"positive","sentiment_score":0.5371915971239408}],"sentiment":"positive","sentiment_score":0.3987777995712617,"channel":0,"num_words":85,"start":542.44,"end":566.01},{"sentences":[{"text":"That high growth environment still suits your time horizon and your risk tolerance and capacity.","start":566.57,"end":571.15,"sentiment":"positive","sentiment_score":0.5138261636098226},{"text":"So remaining there is suitable for the time being.","start":571.29004,"end":574.11,"sentiment":"positive","sentiment_score":0.41997462179925704},{"text":"If you ever find that you're a little bit nervous about the ups and downs on what the market is doing, please let me know, and I'll make sure moving forward that we do reassess that with you again down the track.","start":574.17,"end":583.755,"sentiment":"neutral","sentiment_score":-0.020188626846426076},{"text":"Okay?","start":583.895,"end":584.395,"sentiment":"neutral","sentiment_score":0.028315674513578415}],"sentiment":"neutral","sentiment_score":0.15921727458663187,"channel":0,"num_words":67,"start":566.57,"end":584.395},{"sentences":[{"text":"Yep.","start":585.15,"end":585.65,"sentiment":"neutral","sentiment_score":0.14537540078163147}],"sentiment":"neutral","sentiment_score":0.14537540078163147,"channel":1,"num_words":1,"start":585.15,"end":585.65},{"sentences":[{"text":"When we look at what the the previous portfolio was that you've been in, and they're looking at a five year rolling average, because it sort of shows us how this has performed over the past five years, it's averaging about 9.95%, which is not a bad return in any way, shape, or form, and it's really showing to build your super nicely over the last few years there.","start":586.21497,"end":604.85,"sentiment":"positive","sentiment_score":0.37841343318206677},{"text":"With updating the recommendation and moving into the choice menu, we are then obviously selling the current investment option and investing your funds into other investments.","start":605.62994,"end":614.725,"sentiment":"neutral","sentiment_score":0.2068151757121086},{"text":"So we do know that your fund will pay or your super fund will have a capital gains consequence.","start":615.185,"end":620.085,"sentiment":"neutral","sentiment_score":0.1446347315060465},{"text":"Your super, just like you, does a tax return every year, and your super fund pays income tax and capital gains tax.","start":620.785,"end":627.76996,"sentiment":"neutral","sentiment_score":0.1368414102630182},{"text":"On the top line, I have worked out the tax side of 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far?","start":650.285,"end":655.06,"sentiment":"neutral","sentiment_score":0.07158950576558709}],"sentiment":"neutral","sentiment_score":0.29059070964222367,"channel":0,"num_words":69,"start":632.14996,"end":655.06},{"sentences":[{"text":"No.","start":655.725,"end":655.88495,"sentiment":"neutral","sentiment_score":-0.23215225338935852},{"text":"I don't really understand it all, to be honest.","start":655.88495,"end":658.305,"sentiment":"neutral","sentiment_score":-0.3290139436721802}],"sentiment":"neutral","sentiment_score":-0.319327774643898,"channel":1,"num_words":10,"start":655.725,"end":658.305},{"sentences":[{"text":"That's okay.","start":658.88,"end":659.7,"sentiment":"neutral","sentiment_score":-0.12384521961212158},{"text":"What's what's the main thing that you're not really understanding?","start":659.76,"end":662.66003,"sentiment":"neutral","sentiment_score":-0.16739059537649154},{"text":"I'm happy to break it down more for 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go into most people's accounts, and I have a look at everything generally at least once every sort of two to three months there.","start":1054.1201,"end":1059.9601,"sentiment":"neutral","sentiment_score":0.0025817468017339707},{"text":"So","start":1059.9601,"end":1060.4601,"sentiment":"neutral","sentiment_score":0.02481882832944393}],"sentiment":"neutral","sentiment_score":0.003437019168184354,"channel":0,"num_words":26,"start":1054.1201,"end":1060.4601},{"sentences":[{"text":"Okay.","start":1060.575,"end":1061.075,"sentiment":"neutral","sentiment_score":0.03892306610941887}],"sentiment":"neutral","sentiment_score":0.03892306610941887,"channel":1,"num_words":1,"start":1060.575,"end":1061.075},{"sentences":[{"text":"I wanted to sort of see when you would like to do a bit of a catch up.","start":1060.8401,"end":1064.1201,"sentiment":"neutral","sentiment_score":0.027639216950370207},{"text":"I know it's been probably a little bit of time since we last reviewed things with you.","start":1064.1201,"end":1068.4149,"sentiment":"neutral","sentiment_score":0.012275547172655077},{"text":"But did you want me to do a catch up with you in, say, six months to see how things are tracking and then maybe your annual review, or what would you like to see?","start":1068.4149,"end":1075.7949,"sentiment":"neutral","sentiment_score":0.03362559053514685}],"sentiment":"neutral","sentiment_score":0.026901226796741996,"channel":0,"num_words":70,"start":1060.8401,"end":1075.7949},{"sentences":[{"text":"Yeah.","start":1076.2949,"end":1076.5349,"sentiment":"neutral","sentiment_score":0.0410572774708271},{"text":"Let's do that.","start":1076.5349,"end":1077.6749,"sentiment":"neutral","sentiment_score":0.04791288450360298}],"sentiment":"neutral","sentiment_score":0.04619898274540901,"channel":1,"num_words":4,"start":1076.2949,"end":1077.6749},{"sentences":[{"text":"We'll do that?","start":1077.9349,"end":1078.735,"sentiment":"neutral","sentiment_score":0.0666383629043897},{"text":"Beautiful.","start":1078.735,"end":1079.235,"sentiment":"positive","sentiment_score":0.4772588014602661},{"text":"I'll pop it down.","start":1079.455,"end":1080.1749,"sentiment":"positive","sentiment_score":0.4128952845931053},{"text":"So it's a six month catch up there for you.","start":1080.1749,"end":1082.46,"sentiment":"positive","sentiment_score":0.34188989698886874},{"text":"Fantastic.","start":1082.46,"end":1082.96,"sentiment":"positive","sentiment_score":0.6206456422805786}],"sentiment":"positive","sentiment_score":0.3351736653007959,"channel":0,"num_words":19,"start":1077.9349,"end":1082.96},{"sentences":[{"text":"Excellent.","start":1085.26,"end":1085.76,"sentiment":"positive","sentiment_score":0.5563663840293884},{"text":"Now do you have any questions about the projected outcome there or the table above or anything that you needed me to clarify further there for you at all?","start":1086.54,"end":1095.4401,"sentiment":"neutral","sentiment_score":0.18766028665263076}],"sentiment":"neutral","sentiment_score":0.19995048989852268,"channel":0,"num_words":30,"start":1085.26,"end":1095.4401},{"sentences":[{"text":"No.","start":1095.75,"end":1096.07,"sentiment":"neutral","sentiment_score":-0.08800563216209412},{"text":"I don't think so.","start":1096.07,"end":1097.21,"sentiment":"neutral","sentiment_score":-0.10220661759376526}],"sentiment":"neutral","sentiment_score":-0.09936642050743102,"channel":1,"num_words":5,"start":1095.75,"end":1097.21},{"sentences":[{"text":"That's all good.","start":1098.0449,"end":1099.105,"sentiment":"neutral","sentiment_score":0.21251959602038065},{"text":"If I can get you to scroll down for me to the next page, it's page number 19.","start":1100.125,"end":1104.0449,"sentiment":"neutral","sentiment_score":0.10628659195370144},{"text":"This is essentially showing you the investments that you'll see your funds invested within.","start":1104.0449,"end":1108.3049,"sentiment":"neutral","sentiment_score":0.10428684896656445}],"sentiment":"neutral","sentiment_score":0.11459238082170486,"channel":0,"num_words":35,"start":1098.0449,"end":1108.3049},{"sentences":[{"text":"Mhmm.","start":1108.895,"end":1109.395,"sentiment":"neutral","sentiment_score":0.1397276222705841}],"sentiment":"neutral","sentiment_score":0.1397276222705841,"channel":1,"num_words":1,"start":1108.895,"end":1109.395},{"sentences":[{"text":"Beautiful.","start":1110.445,"end":1110.945,"sentiment":"positive","sentiment_score":0.35042041540145874},{"text":"So at the moment, you've got the beta shares dynamic high growth portfolio there.","start":1112.13,"end":1116.4501,"sentiment":"neutral","sentiment_score":0.1958484761416912},{"text":"So as I mentioned, we'll sell that down to cash, and then we'll reinvest your funds within the choice menu available to us.","start":1116.4501,"end":1122.9501,"sentiment":"neutral","sentiment_score":0.11497877149478249},{"text":"Essentially, within that menu menu, sorry, all the green shows the buyers, and so you'll see about 6% invested in some global cybersecurity.","start":1123.3301,"end":1130.9249,"sentiment":"neutral","sentiment_score":0.1434796838008839},{"text":"We'll also have 9% sitting in the European exposure, so giving you access exposure to all the European countries.","start":1131.705,"end":1138.365,"sentiment":"neutral","sentiment_score":0.14531460325968892}],"sentiment":"neutral","sentiment_score":0.1474727626889944,"channel":0,"num_words":80,"start":1110.445,"end":1138.365},{"sentences":[{"text":"You've also got some Japanese exposure, about 5% there.","start":1139.28,"end":1143.3,"sentiment":"neutral","sentiment_score":0.09058810936080085},{"text":"Diversification is really important for making sure we're lowering overall risk and helping to, you know, spread the risk level as much as possible.","start":1143.68,"end":1151.3601,"sentiment":"neutral","sentiment_score":0.3266803544635574},{"text":"So the Vanguard or WorldX US investment gives you exposure to the entire globe minus The US market, spreading that risk and diversifying as much as possible.","start":1151.3601,"end":1161.735,"sentiment":"neutral","sentiment_score":0.28078354784735926},{"text":"And Vanguard, this investor, is also just a low cost investment, which is great as 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US.","start":1172.9199,"end":1181.58,"sentiment":"neutral","sentiment_score":0.16527414739131926},{"text":"We've also got the BetaShares Rafi a a 200.","start":1182.395,"end":1185.6749,"sentiment":"neutral","sentiment_score":0.18150192168023851},{"text":"This is giving you exposures to the top 200 companies on the ASX.","start":1185.6749,"end":1189.455,"sentiment":"neutral","sentiment_score":0.20375336821262652},{"text":"We wanna hold Australian exposure there as well, and we'll hold 25% of that for you.","start":1189.595,"end":1195.2949,"sentiment":"neutral","sentiment_score":0.20321766333654523}],"sentiment":"neutral","sentiment_score":0.16882145686600453,"channel":0,"num_words":78,"start":1168.6,"end":1195.2949},{"sentences":[{"text":"Yes.","start":1195.865,"end":1196.365,"sentiment":"neutral","sentiment_score":0.2439577877521515}],"sentiment":"neutral","sentiment_score":0.2439577877521515,"channel":1,"num_words":1,"start":1195.865,"end":1196.365},{"sentences":[{"text":"Another 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time.","start":1364.8451,"end":1375.6499,"sentiment":"positive","sentiment_score":0.38036155508410546},{"text":"But if you ever decided you wanted to, you know, come back and review that, please do let me know.","start":1375.6499,"end":1380.95,"sentiment":"neutral","sentiment_score":0.12365391477942467},{"text":"On page number 22 there, we've outlined a little bit of a a table for you showing the salary sacrifice you are making, how it can sort of affect you, and I've got a best interest duty sort of knowing the benefits of salary sacrificing there for 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salary packaging and salary sacrifice has a little bit of a hand in that.","start":1665.515,"end":1669.755,"sentiment":"neutral","sentiment_score":-0.12998964777216315},{"text":"So when you're having that that money taken out pretax, the amount your employer has to deduct for the income tax and the Medicare levy is lower.","start":1669.755,"end":1678.25,"sentiment":"neutral","sentiment_score":0.06380965008779808},{"text":"But then when it all gets added back in at the end of the financial year, the ACO add it up and they go, well, you You could always ask if they just deduct a little bit more, like an extra $5 a week or a fortnight or something just to make sure that they're deducting enough.","start":1678.39,"end":1695.6449,"sentiment":"neutral","sentiment_score":0.023440628132799214},{"text":"But the way I would sorta do it is go and see your accountant and just maybe get them to do, you know, do a bit of a mock tax return.","start":1696.2,"end":1703.1599,"sentiment":"neutral","sentiment_score":0.015213606819029777}],"sentiment":"neutral","sentiment_score":0.0013071924791132148,"channel":0,"num_words":152,"start":1658.795,"end":1703.1599},{"sentences":[{"text":"Be like, hey.","start":1703.1599,"end":1703.72,"sentiment":"neutral","sentiment_score":0.04024233544866244},{"text":"Look.","start":1703.72,"end":1703.96,"sentiment":"neutral","sentiment_score":0.04647476226091385},{"text":"This is what I did last year.","start":1703.96,"end":1705.58,"sentiment":"neutral","sentiment_score":0.055684713912861686},{"text":"This is what I'm doing this year.","start":1705.72,"end":1707.32,"sentiment":"neutral","sentiment_score":0.09844844149691719},{"text":"Can you estimate whether I'm gonna have a bill at the end of the financial year or whether I'm likely to have a bit of a return?","start":1707.32,"end":1713.335,"sentiment":"neutral","sentiment_score":0.06346410744030166}],"sentiment":"neutral","sentiment_score":0.06577032794141108,"channel":0,"num_words":45,"start":1703.1599,"end":1713.335},{"sentences":[{"text":"Because an accountant can definitely do that for you, and they can help you to look at what sort of what tax you need to maybe increase or whether you need to maybe let your employer know to take a little bit more tax out.","start":1713.335,"end":1725.42,"sentiment":"neutral","sentiment_score":0.07621457030375799},{"text":"But I have seen that happen when it comes to salary sacrificing or salary packaging where it's just not enough to cover the tax or the the Medicare levy, and the people end up with a bill at the end of the day.","start":1725.42,"end":1737.715,"sentiment":"negative","sentiment_score":-0.37058347862127217},{"text":"It could also be because you've earned quite a lot of income from your the cash in the bank as 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came","start":1752.07,"end":1763.025,"sentiment":"negative","sentiment_score":-0.35331723936226056}],"sentiment":"negative","sentiment_score":-0.35331723936226056,"channel":0,"num_words":46,"start":1752.07,"end":1763.025},{"sentences":[{"text":"Yeah.","start":1763.74,"end":1764.06,"sentiment":"neutral","sentiment_score":-0.1563182771205902},{"text":"I thought having the salary sacrifice was gonna do me a favor","start":1764.06,"end":1768.24,"sentiment":"neutral","sentiment_score":-0.2736730140944322}],"sentiment":"neutral","sentiment_score":-0.2646457266349059,"channel":1,"num_words":13,"start":1763.74,"end":1768.24},{"sentences":[{"text":"from.","start":1768.0651,"end":1768.5651,"sentiment":"neutral","sentiment_score":-0.2103731781244278}],"sentiment":"neutral","sentiment_score":-0.2103731781244278,"channel":0,"num_words":1,"start":1768.0651,"end":1768.5651},{"sentences":[{"text":"in paying 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earned, what your gross income is.","start":1771.265,"end":1782.79,"sentiment":"neutral","sentiment_score":-0.05066120017852102},{"text":"And they work out for everything you've earned is your gross, and then you've got your deductions, how much tax you've paid, and that shows your net, and they kind of work out whether you owe a bill from there or not.","start":1782.85,"end":1792.37,"sentiment":"neutral","sentiment_score":-0.08337565928342797},{"text":"So it's a little bit complex the way that the ACO do it.","start":1792.37,"end":1796.0449,"sentiment":"negative","sentiment_score":-0.5858966501859518},{"text":"It's definitely not fair because you think you're doing the right thing.","start":1796.0449,"end":1798.865,"sentiment":"negative","sentiment_score":-0.6801484649380048}],"sentiment":"neutral","sentiment_score":-0.20499098876002922,"channel":0,"num_words":103,"start":1770.465,"end":1798.865},{"sentences":[{"text":"But I have unfortunately seen it occur the way the way it's 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to.","start":2114.7698,"end":2117.49,"sentiment":"neutral","sentiment_score":0.22809208631515504},{"text":"And if you do need a copy, my team are more than welcome are more than happy to also email you through a copy there as well.","start":2117.49,"end":2123.8948,"sentiment":"neutral","sentiment_score":0.3128418563692658},{"text":"But thank you so much for your time today.","start":2123.8948,"end":2126.375,"sentiment":"positive","sentiment_score":0.7806609902116988},{"text":"I've really enjoyed putting this together for you.","start":2126.375,"end":2128.4548,"sentiment":"positive","sentiment_score":0.9024550765752792}],"sentiment":"positive","sentiment_score":0.4556852700618597,"channel":0,"num_words":65,"start":2113.41,"end":2128.4548},{"sentences":[{"text":"We'll do a catch up in six months to see how things are tracking there for you.","start":2128.4548,"end":2133.095,"sentiment":"positive","sentiment_score":0.5483825013918036},{"text":"And if you find you have any questions or need anything in the meantime, please let me know.","start":2133.095,"end":2137.2698,"sentiment":"neutral","sentiment_score":0.31125228189759785},{"text":"I'm more than happy to make extra time to follow-up and see how everything's tracking for you.","start":2137.2698,"end":2141.5098,"sentiment":"positive","sentiment_score":0.5837300156845766},{"text":"Okay?","start":2141.5098,"end":2142.0098,"sentiment":"neutral","sentiment_score":0.2179558128118515}],"sentiment":"positive","sentiment_score":0.47295112598617123,"channel":0,"num_words":53,"start":2128.4548,"end":2142.0098},{"sentences":[{"text":"No worries.","start":2142.07,"end":2142.73,"sentiment":"neutral","sentiment_score":0.2526881992816925},{"text":"No worries.","start":2143.19,"end":2143.93,"sentiment":"neutral","sentiment_score":0.2846027538180351}],"sentiment":"neutral","sentiment_score":0.2686454765498638,"channel":1,"num_words":4,"start":2142.07,"end":2143.93},{"sentences":[{"text":"Thank thank you","start":2143.75,"end":2144.95,"sentiment":"positive","sentiment_score":0.6318288644154867}],"sentiment":"positive","sentiment_score":0.6318288644154867,"channel":0,"num_words":3,"start":2143.75,"end":2144.95},{"sentences":[{"text":"Alright.","start":2144.875,"end":2145.375,"sentiment":"positive","sentiment_score":0.5917503833770752}],"sentiment":"positive","sentiment_score":0.5917503833770752,"channel":1,"num_words":1,"start":2144.875,"end":2145.375},{"sentences":[{"text":"so much for your time.","start":2144.95,"end":2145.99,"sentiment":"positive","sentiment_score":0.8095417261123657},{"text":"I hope you enjoy your day.","start":2145.99,"end":2147.5098,"sentiment":"positive","sentiment_score":0.7890031735102335},{"text":"I hope your son","start":2147.5098,"end":2148.3098,"sentiment":"positive","sentiment_score":0.5179872065782547}],"sentiment":"positive","sentiment_score":0.7235784331957499,"channel":0,"num_words":15,"start":2144.95,"end":2148.3098},{"sentences":[{"text":"Thanks,","start":2148.155,"end":2148.475,"sentiment":"positive","sentiment_score":0.5300504565238953}],"sentiment":"positive","sentiment_score":0.5300504565238953,"channel":1,"num_words":1,"start":2148.155,"end":2148.475},{"sentences":[{"text":"has","start":2148.3098,"end":2148.63,"sentiment":"positive","sentiment_score":0.6303154230117798}],"sentiment":"positive","sentiment_score":0.6303154230117798,"channel":0,"num_words":1,"start":2148.3098,"end":2148.63},{"sentences":[{"text":"Sarah.","start":2148.475,"end":2148.975,"sentiment":"positive","sentiment_score":0.46399742364883423}],"sentiment":"positive","sentiment_score":0.46399742364883423,"channel":1,"num_words":1,"start":2148.475,"end":2148.975},{"sentences":[{"text":"fun at his transition day.","start":2148.63,"end":2150.3298,"sentiment":"positive","sentiment_score":0.6675515651702881}],"sentiment":"positive","sentiment_score":0.6675515651702881,"channel":0,"num_words":5,"start":2148.63,"end":2150.3298},{"sentences":[{"text":"Thank you.","start":2150.7952,"end":2151.615,"sentiment":"positive","sentiment_score":0.6885079741477966},{"text":"Talk to you soon.","start":2152.235,"end":2153.2952,"sentiment":"positive","sentiment_score":0.4540254771709442}],"sentiment":"positive","sentiment_score":0.5321863094965616,"channel":1,"num_words":6,"start":2150.7952,"end":2153.2952},{"sentences":[{"text":"Well, Dave.","start":2153.761,"end":2154.241,"sentiment":"neutral","sentiment_score":0.22668235003948212},{"text":"Thanks, Camilla.","start":2154.241,"end":2155.1208,"sentiment":"positive","sentiment_score":0.5452719330787659}],"sentiment":"positive","sentiment_score":0.385977141559124,"channel":0,"num_words":4,"start":2153.761,"end":2155.1208},{"sentences":[{"text":"Thank","start":2154.955,"end":2155.195,"sentiment":"positive","sentiment_score":0.5361008048057556}],"sentiment":"positive","sentiment_score":0.5361008048057556,"channel":1,"num_words":1,"start":2154.955,"end":2155.195},{"sentences":[{"text":"See","start":2155.1208,"end":2155.3608,"sentiment":"positive","sentiment_score":0.5772275328636169}],"sentiment":"positive","sentiment_score":0.5772275328636169,"channel":0,"num_words":1,"start":2155.1208,"end":2155.3608},{"sentences":[{"text":"you.","start":2155.195,"end":2155.695,"sentiment":"positive","sentiment_score":0.4769274592399597}],"sentiment":"positive","sentiment_score":0.4769274592399597,"channel":1,"num_words":1,"start":2155.195,"end":2155.695},{"sentences":[{"text":"you later.","start":2155.3608,"end":2156.021,"sentiment":"positive","sentiment_score":0.34266407787799835}],"sentiment":"positive","sentiment_score":0.34266407787799835,"channel":0,"num_words":2,"start":2155.3608,"end":2156.021},{"sentences":[{"text":"Bye bye.","start":2156.155,"end":2156.975,"sentiment":"neutral","sentiment_score":0.1982487216591835}],"sentiment":"neutral","sentiment_score":0.1982487216591835,"channel":1,"num_words":2,"start":2156.155,"end":2156.975},{"sentences":[{"text":"Bye.","start":2156.5608,"end":2157.0608,"sentiment":"neutral","sentiment_score":0.16496232151985168}],"sentiment":"neutral","sentiment_score":0.16496232151985168,"channel":0,"num_words":1,"start":2156.5608,"end":2157.0608},{"sentences":[{"text":"Bye.","start":2157.115,"end":2157.615,"sentiment":"neutral","sentiment_score":-0.1223612129688263}],"sentiment":"neutral","sentiment_score":-0.1223612129688263,"channel":1,"num_words":1,"start":2157.115,"end":2157.615}]},"summary":{"result":"success","short":"Representatives from Oku Financial speak with customers about their investment portfolio and offer advice on topics such as income protection, estate planning, and retirement income needs. They recommend moving customers out of the Discover and Choice menus, staying in a high growth environment, and diversifying risk levels. The speaker emphasizes the importance of updating will and power of attorneys for the employer and offers to show the fees and percentages. They also explain the benefits of salary sacrificing and offer to catch-up in six months to see how things are tracking. The speakers stress the importance of updating will and power of attorneys for the employer and offer guidance on signing documents."},"intents":{"segments":[{"text":"Thank you so much for that. Sorry about that confusion there. How's your day been so far? Busy busy working.","start_word":188,"end_word":207,"intents":[{"intent":"Manage misunderstandings","confidence_score":0.0000032649373}]},{"text":"Just touch on other recommendations, and then you'll be able to go back and have a good look at the document there as well.","start_word":335,"end_word":358,"intents":[{"intent":"Assist with recommendations","confidence_score":0.026819762}]},{"text":"Now has that email come through to you there at all as of yet? Let me check.","start_word":375,"end_word":391,"intents":[{"intent":"Check email","confidence_score":0.4608814}]},{"text":"So if you just Donna. open the email yeah. If you press the sign button, it'll move forward so you can view the document. I don't ever want you to sign anything you haven't read, so we'll go through it prior to it allowing you to sign. Yep.","start_word":400,"end_word":447,"intents":[{"intent":"Open email","confidence_score":0.11018615},{"intent":"Access document","confidence_score":0.18733992}]},{"text":"So when you go forward, it should show you the next page there, which says statement of advice prepared for yourself as of the 08/25/2026. Is that what you can see?","start_word":449,"end_word":479,"intents":[{"intent":"Confirm information","confidence_score":0.008198063},{"intent":"Clarify information","confidence_score":0.0012805134}]},{"text":"The the page you were looking at just before there was the scoping in and out section. So that's essentially focusing on areas that we are and are not looking at advice with regard to this advice document for you. So Uh-huh.","start_word":604,"end_word":645,"intents":[{"intent":"Explain purpose of call","confidence_score":0.02078565},{"intent":"Explain purpose of call","confidence_score":0.009187928}]},{"text":"And then we've also, just as a limited scope, considered the insurance aspect.","start_word":674,"end_word":686,"intents":[{"intent":"Highlight limited scope","confidence_score":0.020904938}]},{"text":"If you wanted to look at additional recommendations about insurances, we can come back and have that conversation at a later time there with you.","start_word":759,"end_word":783,"intents":[{"intent":"Provide recommendations","confidence_score":0.0020530885}]},{"text":"Once we have completed that, we will then reinvest your portfolio, and I'll take you through how that will look for you shortly there.","start_word":1317,"end_word":1340,"intents":[{"intent":"Recommend reinvestment","confidence_score":0.0026155524}]},{"text":"We can always definitely reevaluate the level, make sure it's, you know, suiting your cash flow, but making sure it's helping to boost your super down the track there as well.","start_word":1429,"end_word":1459,"intents":[{"intent":"Reevaluate and clarify level","confidence_score":0.00016014132},{"intent":"Reevaluate level","confidence_score":0.00026333655}]},{"text":"When you do take some time to read it through, essentially, I do have what's called the best interest duties. This is relating the recommendations back to your goals and why we've made those recommendations and how they are in your best interest moving forward for you.","start_word":1462,"end_word":1508,"intents":[{"intent":"Discuss recommendations","confidence_score":0.10684636}]},{"text":"If I can get you to move down for me just to page number 17, I can sort of show you a bit more detail around those recommendations there. Yeah.","start_word":1545,"end_word":1574,"intents":[{"intent":"Move up to discover menu","confidence_score":0.08401126},{"intent":"Move into submenu","confidence_score":9.295439e-7}]},{"text":"It's a lovely increase over the last couple of years there in your super.","start_word":1618,"end_word":1631,"intents":[{"intent":"Achieve higher balance","confidence_score":0.00008651814}]},{"text":"You are in that high growth environment there. And as we kind of reassess, it is important to sort of stay in that high growth environment. You are happy with that.","start_word":1769,"end_word":1799,"intents":[{"intent":"Stay in high growth environment","confidence_score":0.46877414}]},{"text":"Your main sort of goal is to boost your super and build it as much as you possibly can towards your retirement goals there. That high growth environment still suits your time horizon and your risk tolerance and capacity. So remaining there is suitable for the time being.","start_word":1801,"end_word":1848,"intents":[{"intent":"Improve super funds and prepare for market changes","confidence_score":0.0000016419699}]},{"text":"Essentially, so because we are moving you out of the Discover menu, we're putting you into some different investment options. So we will have to sell down your current investment investment portfolio and move you into the newer investment options.","start_word":2230,"end_word":2269,"intents":[{"intent":"Explain investment options","confidence_score":0.107626505}]},{"text":"So it actually does work out cheaper to swap the menu and move into this product for you. Yeah.","start_word":2574,"end_word":2592,"intents":[{"intent":"Swap menu","confidence_score":0.57805413}]},{"text":"So I did speak to Bart about the fee structure afterwards because I went back, and I was like, I'm so sorry. I didn't realize. But what what do you wanna do to help out your sister?","start_word":2631,"end_word":2667,"intents":[{"intent":"Help out sister","confidence_score":0.15148386},{"intent":"Discuss fee structure","confidence_score":0.07844615}]},{"text":"And if we ever find that there is a reason to turn it off or that the fee shouldn't be deducted or it's not working for you, we will turn them off. But I did go back and I did ask that, and I was very honest and open about it. And he has discounted it for you, so it's 1.10 per annum. Well, Okay.","start_word":2752,"end_word":2816,"intents":[{"intent":"Discharge fee","confidence_score":0.0017364231}]},{"text":"So on the balance there, it's $1,219. Okay.","start_word":2903,"end_word":2910,"intents":[{"intent":"Confirm fee amount","confidence_score":0.003991811}]},{"text":"Is that at the 1.1%? Yeah.","start_word":2912,"end_word":2917,"intents":[{"intent":"Calculate fees","confidence_score":0.011349021}]},{"text":"So over the next five to ten years, you can actually see yourself being in a much greater position with the newer portfolio even with the ongoing service fee attached there and with the the fee savings that we're making with the newer portfolio as well. Okay? Yep.","start_word":3257,"end_word":3304,"intents":[{"intent":"Acknowledge portfolio position","confidence_score":0.000024428151}]},{"text":"So we wanna keep and hold some significant gold in your portfolio about 7% there for you. Okay?","start_word":3950,"end_word":3967,"intents":[{"intent":"Hold gold portfolio","confidence_score":0.007311165}]},{"text":"And then in the high growth environment, we still wanna hold a small amount of defensive lower risk investments of things like cash, bonds, and fixed interest. So we're holding the iShares core composite bonds for you. This is about five percent in bonds.","start_word":3970,"end_word":4013,"intents":[{"intent":"Hold bond","confidence_score":0.010525613}]},{"text":"This is about five percent in bonds. Bonds are good for income producing. We want income and dividends to be produced out of these investments that gets paid into your cash account, and then we reinvest that back into your portfolio for compounding effect. And this is giving you exposure to both government and corporate funds as well as notes, and it's also giving you a small amount of international exposure into defensive assets as well, which is kind of cool.","start_word":4006,"end_word":4086,"intents":[{"intent":"Define","confidence_score":0.04276516},{"intent":"Explain","confidence_score":0.07541555}]},{"text":"We want income and dividends to be produced out of these investments that gets paid into your cash account, and then we reinvest that back into your portfolio for compounding effect.","start_word":4019,"end_word":4049,"intents":[{"intent":"Reinvest","confidence_score":0.35377732}]},{"text":"That is a lot to go through. Not everyone likes the investment side of things that much. But did you have more questions? Did you want me to delve into any of that a bit deeper for No. It's you? okay.","start_word":4088,"end_word":4128,"intents":[{"intent":"Understand","confidence_score":0.2417312}]},{"text":"That is essentially the bulk of the recommendations there. I have also got in there a little stint around making sure that we are continuing the salary sacrifice. You were happy with the salary sacrifice that you were doing and comfortable with that. I am recommending we continue to do so because that will essentially help in building your super long term Yeah.","start_word":4286,"end_word":4348,"intents":[{"intent":"Recommend","confidence_score":0.32112733}]},{"text":"On page number 22 there, we've outlined a little bit of a a table for you showing the salary sacrifice you are making, how it can sort of affect you, and I've got a best interest duty sort of knowing the benefits of salary sacrificing there for you. Yeah. Okay?","start_word":4438,"end_word":4487,"intents":[{"intent":"Explain salary sacrifice benefits","confidence_score":0.06241439}]},{"text":"So when you sort of think about your taxable income, the salary sacrifice going in reduces how much income tax you pay because the the money is deducted out of your income before your employer works at your salary works at your income tax. Yep.","start_word":4757,"end_word":4801,"intents":[{"intent":"Understand tax deductions","confidence_score":0.019279378},{"intent":"Discuss tax deductions","confidence_score":0.012446416},{"intent":"Clarify tax deductions","confidence_score":0.0155162895}]},{"text":"And I swear on those forms that you get at tax time, aren't you waived Yeah.","start_word":4974,"end_word":4989,"intents":[{"intent":"Discuss medicare levy waiver","confidence_score":0.23212977}]},{"text":"that Medicare levy surcharge? I don't No.","start_word":4990,"end_word":4996,"intents":[{"intent":"Understand medicare levy surcharge","confidence_score":0.0036715963}]},{"text":"So you could probably go back to your employer or even did your accountant do your tax return at all?","start_word":5128,"end_word":5147,"intents":[{"intent":"Inquire about employer deductions","confidence_score":0.0009604156}]},{"text":"Can you estimate whether I'm gonna have a bill at the end of the financial year or whether I'm likely to have a bit of a return?","start_word":5462,"end_word":5488,"intents":[{"intent":"Estimate bill amount and deductions","confidence_score":0.00003479537}]},{"text":"I thought having the salary sacrifice was gonna do me a favor from. in paying less Yeah. tax.","start_word":5675,"end_word":5692,"intents":[{"intent":"Determine pay amount","confidence_score":0.00005843402}]},{"text":"So your employer contributions all get added back into your gross assessable income at tax time, and that all gets added back on to show how much you've actually earned, what your gross income is. And they work out for everything you've earned is your gross, and then you've got your deductions, how much tax you've paid, and that shows your net, and they kind of work out whether you owe a bill from there or not.","start_word":5694,"end_word":5770,"intents":[{"intent":"Determine tax deductions and net income","confidence_score":0.03367875}]},{"text":"And of you our know tax. what?","start_word":5997,"end_word":6003,"intents":[{"intent":"Clarify tax and billing","confidence_score":0.0009634729}]},{"text":"My son doesn't get bulk billed for Medicare for a doctor's appointments anymore. I have to pay a full for him and then claim it back, and it costs a $100 to take him for a fifteen minute doctor's appointment. It's pretty expensive.","start_word":6121,"end_word":6163,"intents":[{"intent":"Resolve medicare billing issue","confidence_score":0.02382767}]},{"text":"We're retaining that policy and keeping it as it is because it suited your needs at the moment, but we will review that moving down the track. And should you wanna make alterations or change the policy, we will.","start_word":6440,"end_word":6478,"intents":[{"intent":"Relay policy information","confidence_score":0.00016534387}]},{"text":"If you're happy to sign to take on the recommendations, you're more than welcome to as well. It's completely up to you. Once you've signed this document, the next document it does take you to is the ongoing service agreement for this next twelve months there. And by signing that document, you are agreeing to the ongoing service fee and the percentage of 1.10%. Okay? Yep.","start_word":6574,"end_word":6639,"intents":[{"intent":"Assist signers","confidence_score":0.00013324786}]},{"text":"Once you've signed this document, the next document it does take you to is the ongoing service agreement for this next twelve months there. And by signing that document, you are agreeing to the ongoing service fee and the percentage of 1.10%. Okay? Yep.","start_word":6596,"end_word":6639,"intents":[{"intent":"Verify document","confidence_score":0.0012743787},{"intent":"Sign document","confidence_score":0.022036301}]},{"text":"that's the one, and it will give you an option. It should bring up a signature if you're happy for it to just prepopulate Yeah.","start_word":6686,"end_word":6710,"intents":[{"intent":"Confirm signature","confidence_score":0.1159102}]}]},"sentiments":{"segments":[{"text":"Hi, Camilla. This is Dana from Oku Financial. How are you today?","start_word":0,"end_word":11,"sentiment":"neutral","sentiment_score":0.1826442927122116},{"text":"Good. Thanks. That's good. I had you booked in just to go through your updated statement of advice. Is now still a good time there for you?","start_word":12,"end_word":38,"sentiment":"positive","sentiment_score":0.4411236047744751},{"text":"Yep.","start_word":39,"end_word":39,"sentiment":"neutral","sentiment_score":0.19763122498989105},{"text":"That's fine. Fantastic. I do have the document to send through to you there as well.","start_word":40,"end_word":55,"sentiment":"positive","sentiment_score":0.38379597663879395},{"text":"Are you able to access your emails at the moment at all? Yep.","start_word":56,"end_word":68,"sentiment":"neutral","sentiment_score":0.1407659500837326},{"text":"Fantastic. I'll just send that one through to you.","start_word":69,"end_word":77,"sentiment":"positive","sentiment_score":0.37618982791900635},{"text":"Just while it is coming through, I do have to let you know we do record our calls for quality and training purposes.","start_word":78,"end_word":100,"sentiment":"neutral","sentiment_score":0.2463015764951706},{"text":"Are you happy with me proceeding with that moving forward?","start_word":101,"end_word":110,"sentiment":"positive","sentiment_score":0.3659874498844147},{"text":"Yep.","start_word":111,"end_word":111,"sentiment":"neutral","sentiment_score":0.20966610312461853},{"text":"Fantastic.","start_word":112,"end_word":112,"sentiment":"positive","sentiment_score":0.4620751738548279},{"text":"And just to do a quick security check there for you as well, just because we are discussing your personal information, I'll just get to confirm your full name, your date of birth, and address I should have on file. Camila barrett Yep. camilabarrett@icloud.com. Did Yep. you say did you say email? The full name, address, and date of birth. So sorry. Address. Address. 36 McBay Street, Pimpama, Yep. and 16th Of The 1277.","start_word":113,"end_word":186,"sentiment":"neutral","sentiment_score":0.08983597904443741},{"text":"Beautiful. Thank you so much for that.","start_word":187,"end_word":193,"sentiment":"positive","sentiment_score":0.4093843996524811},{"text":"Sorry about that confusion there. How's your day been so far? Busy busy working. Oh, are you getting lunch break soon, or you're having a bit of a break shortly, or is this it? Sort of. I'm working from home today because Yeah. my son's got a he starts high school next year, and they've got a they've got a day, like an orientation kinda day at the school. So Yeah. I gotta Yep. I gotta drop him off and pick him up today, which is outside of my normal work hours. So, Yep. yeah, so that I'm trying to be productive here. Trying to get it all done. Understandable. Yeah. No. All good. Well, I'll try not to take up too much of your time. I'll run through the areas that we need to with regards to your advice. Just touch on other recommendations, and then you'll be able to go back and have a good look at the document there as well. If you find you have any additional questions, you're welcome to let me know. Okay? Mhmm.","start_word":194,"end_word":373,"sentiment":"neutral","sentiment_score":0.04742997181084421},{"text":"Fantastic.","start_word":374,"end_word":374,"sentiment":"positive","sentiment_score":0.6373291015625},{"text":"Now has that email come through to you there at all as of yet? Let me check. That's okay. You're fine. Yes.","start_word":375,"end_word":396,"sentiment":"neutral","sentiment_score":0.25785690546035767},{"text":"Got that. Fantastic.","start_word":397,"end_word":399,"sentiment":"positive","sentiment_score":0.5252813696861267},{"text":"So if you just Donna. open the email yeah. If you press the sign button, it'll move forward so you can view the document. I don't ever want you to sign anything you haven't read, so we'll go through it prior to it allowing you to sign. Yep. Yep. So when you go forward, it should show you the next page there, which says statement of advice prepared for yourself as of the 08/25/2026. Is that what you can see? SkyUPID device. Yep. Sorry. You're a couple of pages down, but that's absolutely fine. On the very front page, it sort of dropped you down a few pages there, but it does have all my authorized representative license number. So I'm a licensed adviser, and my representative number is 1304394.","start_word":400,"end_word":529,"sentiment":"neutral","sentiment_score":0.08707361668348312},{"text":"That's all good.","start_word":530,"end_word":532,"sentiment":"positive","sentiment_score":0.5781118869781494},{"text":"The next page as you are scrolling through has the best interest duty, and that's just letting you know that any advice we do provide is done under the best interest duty. So it's making sure that we understand all of your circumstances to the fullest and making sure we understand your goals, that any advice is provided to assist you in meeting your goals moving forward there. Okay? Mhmm. Yeah. The the page you were looking at just before there was the scoping in and out section. So that's essentially focusing on areas that we are and are not looking at advice with regard to this advice document for you. So Uh-huh. the areas that we are scoping in or looking at with the recommendations are superannuation. I've got a bit of a state planning there for you as well. And then we've also, just as a limited scope, considered the insurance aspect. So we weren't changing anything with the insurances, but we are scoping them into an extent that they are paid out of super. So it does have an effect on your super, and we've incorporated that into the projections for you. Okay? Mhmm.","start_word":533,"end_word":729,"sentiment":"neutral","sentiment_score":0.08305551096570069},{"text":"Beautiful.","start_word":730,"end_word":730,"sentiment":"positive","sentiment_score":0.5614209175109863},{"text":"Yep. On page number five, it has the areas that we're not looking at new advice for. So income protection and trauma has been scoped out of this. If you wanted to look at additional recommendations about insurances, we can come back and have that conversation at a later time there with you. And we're also not scoping in the retirement income needs as of yet. So you're a little over ten years away there from being able to access super as per your goal. So we are essentially just not focusing on the building of your super and what to do now to help it increase and build over time. When you get closer to accessing your super, then we'll certainly look at, you know, the drawing down the retirement aspect and what that looks like for you. Okay? Yep. Yep. And estate planning has been both scoped in and out because there are different stages to it. So we're scoping in just looking at making sure you've got a will and power of attorney updated to make sure they reflect your current wishes. We are scoping out estate planning with the side of the beneficiary nominations. So you have those in place. You confirm that you were comfortable with how your beneficiary nominations were set up. So we're scoping scoping that side of it out for you. Okay? Yep.","start_word":731,"end_word":961,"sentiment":"neutral","sentiment_score":0.0617147758603096},{"text":"Beautiful.","start_word":962,"end_word":962,"sentiment":"positive","sentiment_score":0.4443223476409912},{"text":"I will skip a few pages now if that's okay. Essentially, I'm gonna get you to go down for me just to page number 13. Yep. Yeah. Strategy recommendations. That's the one. Yeah. So, essentially, we had a bit of a look at your super. You're in that discovery menu at the moment, so you do that. Essentially, with the way hub 24 works is it has several layers within the platform. So you have different different super funds within the platform, and they have, like, discovery menu, which is the cheapest option to access, but it has very limited options of availability of funds to invest you in.","start_word":963,"end_word":1071,"sentiment":"neutral","sentiment_score":0.09138673161147932},{"text":"So when Bart moved you into that prior, it was about making sure you had a lower cost fund and just popping you into a good quality investment product to kinda get your super growing and building within that time frame with the view that as your super built over time, that we could move you into a much more sophisticated super fund and or platform there.","start_word":1072,"end_word":1138,"sentiment":"positive","sentiment_score":0.42060989141464233},{"text":"Yep. Within Hub twenty four, they have access to those more sophisticated menu options, as we call them, or different areas within the Superfund. They have the Discover menu, they have a Core, and they have a Choice. I'm recommending that we move you out of Discover menu and into the Choice menu.","start_word":1139,"end_word":1191,"sentiment":"neutral","sentiment_score":0.10428917407989502},{"text":"This is a very simple process.","start_word":1192,"end_word":1197,"sentiment":"positive","sentiment_score":0.4791906774044037},{"text":"There's nothing you need to do on the back end. It's just a form. You essentially sign that form and have 24 move everything in the back end.","start_word":1198,"end_word":1225,"sentiment":"neutral","sentiment_score":0.2001069933176041},{"text":"Your super account stays exactly the same from what you can see it as.","start_word":1226,"end_word":1239,"sentiment":"positive","sentiment_score":0.4208916425704956},{"text":"It's just Yep. that in the back end, they open up the menu options, which allows us to invest in a lot more different investment options, if that makes sense. Yep. It's all just an administrative thing, essentially. So we are recommending that we move you out of that Discover side of hub twenty four and move you into the full menu there. That opens up, as I mentioned, all the different investment options there for you. Once we have completed that, we will then reinvest your portfolio, and I'll take you through how that will look for you shortly there. There'll be no real changes that you will see on your side of things.","start_word":1240,"end_word":1354,"sentiment":"neutral","sentiment_score":0.22950884699821472},{"text":"You'll have twenty four super account number stays exactly the same.","start_word":1355,"end_word":1365,"sentiment":"positive","sentiment_score":0.4420201778411865},{"text":"It's just that you will see the investments changing in the back end there. Yes.","start_word":1366,"end_word":1380,"sentiment":"neutral","sentiment_score":0.26985087990760803},{"text":"We are still also recommending your super contributions and your salary sacrifice stays the same as well. You did mention you were happy with the level of salary sacrifice there.","start_word":1381,"end_word":1410,"sentiment":"positive","sentiment_score":0.4320317506790161},{"text":"If you ever find that you wanted to review that level, come back and let me know.","start_word":1411,"end_word":1427,"sentiment":"neutral","sentiment_score":0.19951754808425903},{"text":"We can always definitely reevaluate the level, make sure it's, you know, suiting your cash flow, but making sure it's helping to boost your super down the track there as well.","start_word":1428,"end_word":1458,"sentiment":"positive","sentiment_score":0.3562529385089874},{"text":"Okay?","start_word":1459,"end_word":1459,"sentiment":"neutral","sentiment_score":0.1535702645778656},{"text":"Yep. Excellent.","start_word":1460,"end_word":1461,"sentiment":"positive","sentiment_score":0.5024929642677307},{"text":"When you do take some time to read it through, essentially, I do have what's called the best interest duties. This is relating the recommendations back to your goals and why we've made those recommendations and how they are in your best interest moving forward for you. So I'll let you go back and have a read through that. There's quite a lot of wording in here, so I'll skip a lot of that to make it easier on you today. Okay. Okay. If I can get you to move down for me just to page number 17, I can sort of show you a bit more detail around those recommendations there. Yeah.","start_word":1462,"end_word":1574,"sentiment":"neutral","sentiment_score":0.1841769814491272},{"text":"Beautiful.","start_word":1575,"end_word":1575,"sentiment":"positive","sentiment_score":0.5377551317214966},{"text":"So as I kinda mentioned, we are looking to move you out the Discover menu and into the choice menu there.","start_word":1576,"end_word":1596,"sentiment":"neutral","sentiment_score":0.19453424215316772},{"text":"The first column here shows your current balance, which at the moment, your balance is up to 100,044, which is fantastic. It's a lovely increase over the last couple of years there in your super.","start_word":1597,"end_word":1631,"sentiment":"positive","sentiment_score":0.5049952864646912},{"text":"Within the Discover menu, as I kinda mentioned before, it is a much cheaper menu. It is designed to sorta have for lower balances where you put the money in and try to build your super so as you can move it into those more sophisticated products down the track there. Within the Discover menu, they don't have administration fees. However, you were paying investment fees for the investment products you were in, and they had other fees applicable to the funds. So, like, management fees and things that fit into the other category.","start_word":1632,"end_word":1725,"sentiment":"neutral","sentiment_score":0.21184159815311432},{"text":"Your contributions are just still going in and have been going in nicely. That's including your salary sacrifice, and that's showing net contribution for after the 15% tax has been deducted there, and your insurance premiums have been coming out at that level.","start_word":1726,"end_word":1768,"sentiment":"positive","sentiment_score":0.4554893970489502},{"text":"You are in that high growth environment there. And as we kind of reassess, it is important to sort of stay in that high growth environment.","start_word":1769,"end_word":1794,"sentiment":"neutral","sentiment_score":0.24037626385688785},{"text":"You are happy with that. Your main sort of goal is to boost your super and build it as much as you possibly can towards your retirement goals there. That high growth environment still suits your time horizon and your risk tolerance and capacity. So remaining there is suitable for the time being.","start_word":1795,"end_word":1847,"sentiment":"positive","sentiment_score":0.5121622512925346},{"text":"If you ever find that you're a little bit nervous about the ups and downs on what the market is doing, please let me know, and I'll make sure moving forward that we do reassess that with you again down the track. Okay? Yep.","start_word":1848,"end_word":1891,"sentiment":"neutral","sentiment_score":-0.011139648966491222},{"text":"When we look at what the the previous portfolio was that you've been in, and they're looking at a five year rolling average, because it sort of shows us how this has performed over the past five years, it's averaging about 9.95%, which is not a bad return in any way, shape, or form, and it's really showing to build your super nicely over the last few years there.","start_word":1892,"end_word":1960,"sentiment":"positive","sentiment_score":0.38018879294395447},{"text":"With updating the recommendation and moving into the choice menu, we are then obviously selling the current investment option and investing your funds into other investments. So we do know that your fund will pay or your super fund will have a capital gains consequence. Your super, just like you, does a tax return every year, and your super fund pays income tax and capital gains tax. On the top line, I have worked out the tax side of things. Your super fund is expected to pay capital gains of $815 in order to make the switch within the investments there. The good news is it doesn't affect you personally, but it does show that the starting once we've made the switch, the expected balance within the super fund is to be $99,229. Do you have any questions about the capital gains side of things or that so far? No. I don't really understand it all, to be honest. That's okay. What's what's the main thing that you're not really understanding? I'm happy to break it down more for you. Can you just say what you said again? Sorry. I was Yeah. I'm gonna admit I was looking at a team chat for work thinking what do you want now because I'm supposed No. to be working. You know what I mean? Anyway, Yeah.","start_word":1961,"end_word":2184,"sentiment":"neutral","sentiment_score":0.09683016687631608},{"text":"Absolutely. I'm listening. You have my You're full absolutely attention.","start_word":2185,"end_word":2194,"sentiment":"positive","sentiment_score":0.41008260846138},{"text":"fine. No worries. If anything comes through on Teams that you need to stop for, just tell me. Just say, Dana, stop. That's enough, and I'll stop for you. It's not a problem, Yeah. please. Essentially, so because we are moving you out of the Discover menu, we're putting you into some different investment options. So we will have to sell down your current investment investment portfolio and move you into the newer investment options. So just like you would be doing if you were to change investments in your own name, your tax on that. Your super fund does pay income tax and capital gains tax for Uh-huh. income that's received within the fund and also capital gains on investment switches or changing investments within the fund there. So with our research, by changing the portfolio and I'll show you what that will look like in a moment. But we know that the estimated, capital gains cost for your super fund is $815. So your I super know. is expected to pay $815 in capital gains tax, which means Yep. once we've completed the SWIFT, the balance that we expect you to have is 99,229. Does that make Oh, sense? yeah. It Yeah. does. Yeah. Helps when That's you listen.","start_word":2195,"end_word":2405,"sentiment":"neutral","sentiment_score":0.04564491659402847},{"text":"all good.","start_word":2406,"end_word":2407,"sentiment":"positive","sentiment_score":0.35443049669265747},{"text":"You're fine. Honestly, it's not a problem at all. I was like, how am I gonna wing this I wasn't listening properly to when you No. were live. You're What did fine. you want me to explain that? I I yeah. Anyway. You're you're fine. Please don't ever hesitate.","start_word":2408,"end_word":2456,"sentiment":"neutral","sentiment_score":0.04715912044048309},{"text":"I love the fact that you're honest, and just break it down.","start_word":2457,"end_word":2468,"sentiment":"positive","sentiment_score":0.4470864534378052},{"text":"If you miss something or need me to break something down, just let me know.","start_word":2469,"end_word":2483,"sentiment":"neutral","sentiment_score":0.233331099152565},{"text":"It's all good.","start_word":2484,"end_word":2486,"sentiment":"positive","sentiment_score":0.4327005743980408},{"text":"No worries. Easy. Within the hub 24 choice menu, there is administration fees, investment fees, and any other fees applicable. It does mean, obviously, you are paying a higher administration fee than what you would have in the Discover menu. However, you are saving on investment fees and any other fees menu.","start_word":2487,"end_word":2538,"sentiment":"neutral","sentiment_score":0.06566648185253143},{"text":"However, you are saving on investment fees and any other fees applicable. So when we kind of weigh up the fees, the saving in all the other fees outweigh what you're paying in admin fees. So it actually does work out cheaper to swap the menu and move into this product for you.","start_word":2539,"end_word":2591,"sentiment":"positive","sentiment_score":0.5997816324234009},{"text":"Yeah. And my you know how I mentioned that Bart was my brother, any Okay? discount, Yes. so they they're not part of these totals? Is that separate? That is separate, but it actually Yep. does show you here. So I did speak to Bart about the fee structure afterwards because I went back, and I was like, I'm so sorry. I didn't realize. But what what do you wanna do to help out your sister? And Bart did say that because we normally are 1.65%.","start_word":2592,"end_word":2677,"sentiment":"neutral","sentiment_score":0.03597402200102806},{"text":"He's happy to put you on a lower fee structure, but because I'm looking after things and he does pay me to do my job and we are a professional service, we do have to sort of have that management fee going on. So he has agreed to make it 1.10% there for you.","start_word":2678,"end_word":2731,"sentiment":"positive","sentiment_score":0.3662260174751282},{"text":"The ongoing service fee is that's per year, so it is deducted in smaller monthly increments out of your super. And if we ever find that there is a reason to turn it off or that the fee shouldn't be deducted or it's not working for you, we will turn them off. But I did go back and I did ask that, and I was very honest and open about it. And he has discounted it for you, so it's 1.10 per annum. Well, Okay. where do I see that fee? That's not in the charts that we're looking at currently, is it? That must Is be that a different shows section. no. Well, it does sorta show you it shows you the dollar figure, but I'll take you through and show you the percentage there as well. But on that chart where the recommended column is, if you look at adviser fee adviser service fee, that shows you how much you're expected to pay for our services for the year. So on the balance there, it's $1,219. Okay. Is that at the 1.1%? Yeah. 1.1% based on the balance at the top. Correct. Okay. Yeah. And what It would does it take what would in it normally sorry. be? 1.65%. Oh, yeah. So Yeah. what does that equate to that I'm saving? If I work it out roughly So it would be just over, say, $1,700 at 1.65% factoring in growth there as well. So you are sort of saving a bit of money. Like So if I like go five is that, like, $500 a year or something? yeah. That's 480 odd dollars for the year that you Yeah. are saving on the ongoing service fee. One Okay.","start_word":2732,"end_word":3021,"sentiment":"neutral","sentiment_score":0.0935695552363478},{"text":"of the good things Cool.","start_word":3022,"end_word":3026,"sentiment":"positive","sentiment_score":0.40717813372612},{"text":"about yeah. One of the good things about this fee as well, just to kinda kinda clarify for you, is that it does sort of fluctuate with the market because it is a percentage based fee. So if we see times the market does take a bit of a dip, your ongoing service fee takes a bit of a there with it as well. So it is linked to the performance of your suit, but we wanna make sure you're making that 1.10% and then getting additional growth there on top of that for Yeah. you. Okay? Yeah.","start_word":3027,"end_word":3124,"sentiment":"neutral","sentiment_score":0.22043746709823608},{"text":"Excellent. All good. You've got your contributions noted in there as well, the Yeah. insurance premiums, and then you're still in that high growth environment there.","start_word":3125,"end_word":3150,"sentiment":"positive","sentiment_score":0.3924032151699066},{"text":"And when we look at the newer portfolio, which I'll take you through in a moment there, it's averaged to higher returns, so 11.71 over the past five years. Now I am Mhmm. really honest and let you know that projection tables are just projection tables. They are based on market conditions, and markets can change gradually over time. Mhmm. So this is sort of showing you if the if the portfolio can achieve what it has over the past five years with all the fees noted above. On the next page, if you scroll down, you can sort of see the projected outcome there.","start_word":3151,"end_word":3255,"sentiment":"neutral","sentiment_score":0.16421720385551453},{"text":"So over the next five to ten years, you can actually see yourself being in a much greater position with the newer portfolio even with the ongoing service fee attached there and with the the fee savings that we're making with the newer portfolio as well.","start_word":3256,"end_word":3301,"sentiment":"positive","sentiment_score":0.5684314370155334},{"text":"Okay? Yep. Yep.","start_word":3302,"end_word":3304,"sentiment":"neutral","sentiment_score":0.1820495128631592},{"text":"Beautiful.","start_word":3305,"end_word":3305,"sentiment":"positive","sentiment_score":0.5538060069084167},{"text":"We do wanna make sure we readjust things as time goes on. So investments that we're putting into the portfolio now do need to be reevaluated because in, you know, another two, three, or five years' time, we might need to update those again. So Yep. investments do need to be reevaluated and checked on regularly, but this can put you in a much greater position. Sorry. You're at How you're alright. How often do you go in yourself and have a look at them? okay. Is it, like, once a year? No. So Oh, I it's tend okay. to go into most people's accounts, and I have a look at everything generally at least once every sort of two to three months there. So Okay. I wanted to sort of see when you would like to do a bit of a catch up. I know it's been probably a little bit of time since we last reviewed things with you. But did you want me to do a catch up with you in, say, six months to see how things are tracking and then maybe your annual review, or what would you like to see? Yeah. Let's do that. We'll do that?","start_word":3306,"end_word":3508,"sentiment":"neutral","sentiment_score":0.04713953658938408},{"text":"Beautiful. I'll pop it down. So it's a six month catch up there for you. Fantastic. Excellent.","start_word":3509,"end_word":3525,"sentiment":"positive","sentiment_score":0.4013785421848297},{"text":"Now do you have any questions about the projected outcome there or the table above or anything that you needed me to clarify further there for you at all? No. I don't think so. That's all good. If I can get you to scroll down for me to the next page, it's page number 19. This is essentially showing you the investments that you'll see your funds invested within. Mhmm.","start_word":3526,"end_word":3595,"sentiment":"neutral","sentiment_score":0.1204303428530693},{"text":"Beautiful.","start_word":3596,"end_word":3596,"sentiment":"positive","sentiment_score":0.35042041540145874},{"text":"So at the moment, you've got the beta shares dynamic high growth portfolio there. So as I mentioned, we'll sell that down to cash, and then we'll reinvest your funds within the choice menu available to us. Essentially, within that menu menu, sorry, all the green shows the buyers, and so you'll see about 6% invested in some global cybersecurity. We'll also have 9% sitting in the European exposure, so giving you access exposure to all the European countries. You've also got some Japanese exposure, about 5% there. Diversification is really important for making sure we're lowering overall risk and helping to, you know, spread the risk level as much as possible. So the Vanguard or WorldX US investment gives you exposure to the entire globe minus The US market, spreading that risk and diversifying as much as possible.","start_word":3597,"end_word":3735,"sentiment":"neutral","sentiment_score":0.19711027171114365},{"text":"And Vanguard, this investor, is also just a low cost investment, which is great as well.","start_word":3736,"end_word":3751,"sentiment":"positive","sentiment_score":0.5396367311477661},{"text":"Mhmm. Yep. So that doesn't have any US exposure because we have the S and P 500. So giving you access and exposure to the top 500 companies on The US market there, and that's looking at 35% invested in The US. We've also got the BetaShares Rafi a a 200. This is giving you exposures to the top 200 companies on the ASX. We wanna hold Australian exposure there as well, and we'll hold 25% of that for you. Yes.","start_word":3752,"end_word":3832,"sentiment":"neutral","sentiment_score":0.17088522017002106},{"text":"Another really good area that we all love is a bit of physical gold. Gold has done very well, continues to do very well. It is a growth investment.","start_word":3833,"end_word":3861,"sentiment":"positive","sentiment_score":0.5106452107429504},{"text":"So it doesn't earn any income, but it does see growth over time.","start_word":3862,"end_word":3874,"sentiment":"neutral","sentiment_score":0.33270829916000366},{"text":"And gold can also act defensively depending on time frames as well.","start_word":3875,"end_word":3886,"sentiment":"positive","sentiment_score":0.3381613790988922},{"text":"So if you think back to the GFC or even COVID, people took money out of their investments and put it into gold as a bit of a safe haven.","start_word":3887,"end_word":3916,"sentiment":"neutral","sentiment_score":0.22190693020820615},{"text":"So gold is more of a growth asset, but it can act defensively as well and has been doing very, very well. Most recently has been at some of the thirty year highs. So we wanna keep and hold some significant gold in your portfolio about 7% there for you.","start_word":3917,"end_word":3966,"sentiment":"positive","sentiment_score":0.4775243401527405},{"text":"Okay? Yes. And then in the high growth environment, we still wanna hold a small amount of defensive lower risk investments of things like cash, bonds, and fixed interest. So we're holding the iShares core composite bonds for you.","start_word":3967,"end_word":4005,"sentiment":"neutral","sentiment_score":0.21046155156233373},{"text":"This is about five percent in bonds. Bonds are good for income producing. We want income and dividends to be produced out of these investments that gets paid into your cash account, and then we reinvest that back into your portfolio for compounding effect. And this is giving you exposure to both government and corporate funds as well as notes, and it's also giving you a small amount of international exposure into defensive assets as well, which is kind of cool.","start_word":4006,"end_word":4086,"sentiment":"positive","sentiment_score":0.49338337779045105},{"text":"Yep. That is a lot to go through. Not everyone likes the investment side of things that much. But did you have more questions? Did you want me to delve into any of that a bit deeper for No. It's you? okay. That's okay. If you ever did, you're welcome to let me know.","start_word":4087,"end_word":4140,"sentiment":"neutral","sentiment_score":0.06374015659093857},{"text":"But it gives you a nice overview of where you can expect your funds to be invested.","start_word":4141,"end_word":4157,"sentiment":"positive","sentiment_score":0.365658700466156},{"text":"The Yeah. green shows you what we're gonna be buying into, and then the last two columns, the target waiting and target balance, show you where you'll end up with how much roughly you need to investment at the end of it. Okay? Yeah.","start_word":4158,"end_word":4201,"sentiment":"neutral","sentiment_score":0.1930554360151291},{"text":"Excellent.","start_word":4202,"end_word":4202,"sentiment":"positive","sentiment_score":0.45223402976989746},{"text":"Down on page number 20, we do also have the cash account side of things. So at the moment within your cash account, you've got about 3% cash there. Realistically, within Hub twenty four, we only wanna hold the minimum cash balance. We want most of your money to be invested within your portfolio working harder for you. So we'll take $1,800 from the cash and reinvest that in the portfolio above, so you'll only hold the minimum cash balance. Okay? Yep.","start_word":4203,"end_word":4284,"sentiment":"neutral","sentiment_score":0.2081427127122879},{"text":"Excellent. That is essentially the bulk of the recommendations there.","start_word":4285,"end_word":4294,"sentiment":"positive","sentiment_score":0.41573643684387207},{"text":"I have also got in there a little stint around making sure that we are continuing the salary sacrifice.","start_word":4295,"end_word":4313,"sentiment":"neutral","sentiment_score":0.2604473829269409},{"text":"You were happy with the salary sacrifice that you were doing and comfortable with that. I am recommending we continue to do so because that will essentially help in building your super long term Yeah.","start_word":4314,"end_word":4348,"sentiment":"positive","sentiment_score":0.42590469121932983},{"text":"Part I'll of what, keep you that know, part as of is. yeah. Part of essentially making super work harder is part of the investments, but it's also part of that making additional contributions to super. Essentially, Mhmm.","start_word":4349,"end_word":4386,"sentiment":"neutral","sentiment_score":0.12975923717021942},{"text":"investments can only work so hard on their own, so additional contributions and money being invested in does provide a bit more of a super in growing and building over time.","start_word":4387,"end_word":4417,"sentiment":"positive","sentiment_score":0.37407615780830383},{"text":"But if you ever decided you wanted to, you know, come back and review that, please do let me know. On page number 22 there, we've outlined a little bit of a a table for you showing the salary sacrifice you are making, how it can sort of affect you, and I've got a best interest duty sort of knowing the benefits of salary sacrificing there for you. Yeah. Okay? I'm related Yep. to you, but I just I don't know how it works. I did my tax last week. And Yeah. last last year, I did my tax. I still ended up with a $300 bill. And you think Yes. to yourself, Mhmm. how? One, like, I know Centrelink's different, but I estimate 85 Yeah. or even a 100. I don't know. I overestimate with Centrelink, so I never have an issue with them. But when it comes to yeah. So I just don't get it. Like, I don't understand why, especially now when the salary sacrifice comes off my total, total income is theoretically 72 if Yep. you don't add on the salary sacrifice. So that, from what I would believe, is supposed to bring my tax bracket down. How on Mhmm. earth am I still owing they did say to me I had money in a bank. Like, I've I've got a 100 in a bank, and that that incurred almost $5,000 worth of income, which sucks.","start_word":4418,"end_word":4657,"sentiment":"neutral","sentiment_score":-0.10536272823810576},{"text":"So you put it in a bank to earn money, and then they take it off you anyway.","start_word":4658,"end_word":4675,"sentiment":"negative","sentiment_score":-0.33458372950553894},{"text":"Yeah. Yeah. Like, that's that's Yeah.","start_word":4676,"end_word":4681,"sentiment":"neutral","sentiment_score":-0.169477641582489},{"text":"sucks in itself.","start_word":4682,"end_word":4684,"sentiment":"negative","sentiment_score":-0.46340250968933105},{"text":"But the thing is 72,000 plus an extra 5,000 is still only 77,000. How on earth am I managing to still have a $600 tax bill? I just my Yeah.","start_word":4685,"end_word":4714,"sentiment":"neutral","sentiment_score":-0.1844322810570399},{"text":"brain can't even fathom how that's possible.","start_word":4715,"end_word":4721,"sentiment":"negative","sentiment_score":-0.4751950204372406},{"text":"Let alone, What like, I getting a return back. Like, I'm I was expecting yeah. a return like A I return. was last year. I just don't understand Yeah. how it works. No. No. Understandable. So when you sort of think about your taxable income, the salary sacrifice going in reduces how much income tax you pay because the the money is deducted out of your income before your employer works at your salary works at your income tax. Yep. However, I have seen it happen in the past that because, obviously, the income tax being deducted is lower, your employer may not be deducting enough to cover the Medicare levy. So when you think about your total assessable income, when you do your tax return, your assessable income that the ATO assessed you on isn't necessarily just minus self tax. They kind of add that back for your total gross assessable income. So it might be that your employer is not paying enough for your Medicare levy to cover that 2%, and So then so it that could has also confused be me partly that with that the money sitting in your bank. the Sorry. the med you're right. The Medicare levy Yeah. has does that have anything to do with the private health where you you get some sort of because I swear like, I pay for private health as well, which is Mhmm.","start_word":4722,"end_word":4957,"sentiment":"neutral","sentiment_score":-0.15954843163490295},{"text":"debilitatingly crippling in a financial Yeah.","start_word":4958,"end_word":4963,"sentiment":"negative","sentiment_score":-0.6063884496688843},{"text":"situation, yet I've had that Absolutely. for a million years. And I swear on those forms that you get at tax time, aren't you waived Yeah. that Medicare levy surcharge? I don't No. understand. So you yeah. It's a really good question. So having private health care doesn't weigh the Medicare levies as it is. It waives the extra surcharge that you would have to pay if your income is over a certain threshold and you don't have that extra cover. But we all still technically pay 2% Medicare levy for our income. And I have seen it, like because the similar sort of thing happened to my mom recently where she was salary packaging, but the salary packaging, when you sort of weigh up the weigh it altogether, her employer just didn't deduct enough to cover the Medicare levy, and she got a a $600 bill at tax time because she hadn't paid enough and that had to be sort of added up. So you could probably go back to your employer or even did your accountant do your tax return at all? I just go to income tax professionals. Yep. Yep.","start_word":4964,"end_word":5156,"sentiment":"neutral","sentiment_score":-0.1354095385327858},{"text":"So it get you can always go and see an accountant or get them to kind of weigh up and do, like, a mock tax return for you, which sort of estimates what you might have to pay.","start_word":5157,"end_word":5194,"sentiment":"positive","sentiment_score":0.3539919853210449},{"text":"And they can kind of work out what you need to pay as in, like, the Medicare levy. And just make sure your employer's, you know, withdrawing enough to cover the Medicare levy and the tax side of things. You So could as also request yeah. you're right. As as an employer, don't they get told what the correct amount is that they should be? Like, Sorry. Yeah. usually, it's not something the employee has to tell them what to do. I thought they have No. structured guidelines Yeah. of the amount Yeah. they've got a tax. They definitely do, but there have been instances where the employer just hasn't deducted enough over the course of the year. And sometimes salary packaging and salary sacrifice has a little bit of a hand in that. So when you're having that that money taken out pretax, the amount your employer has to deduct for the income tax and the Medicare levy is lower. But then when it all gets added back in at the end of the financial year, the ACO add it up and they go, well, you You could always ask if they just deduct a little bit more, like an extra $5 a week or a fortnight or something just to make sure that they're deducting enough. But the way I would sorta do it is go and see your accountant and just maybe get them to do, you know, do a bit of a mock tax return. Be like, hey. Look. This is what I did last year. This is what I'm doing this year. Can you estimate whether I'm gonna have a bill at the end of the financial year or whether I'm likely to have a bit of a return? Because an accountant can definitely do that for you, and they can help you to look at what sort of what tax you need to maybe increase or whether you need to maybe let your employer know to take a little bit more tax out.","start_word":5195,"end_word":5533,"sentiment":"neutral","sentiment_score":0.024956361981312083},{"text":"But I have seen that happen when it comes to salary sacrificing or salary packaging where it's just not enough to cover the tax or the the Medicare levy, and the people end up with a bill at the end of the day.","start_word":5534,"end_word":5576,"sentiment":"negative","sentiment_score":-0.37073084712028503},{"text":"It could also be because you've earned quite a lot of income from your the cash in the bank as well. It could just be a combination of those sorts of things.","start_word":5577,"end_word":5608,"sentiment":"neutral","sentiment_score":-0.1666487455368042},{"text":"But, yeah, I have unfortunately seen that happen quite a lot, and it happened to my mom this year. And when I kind of went back to basics with her, I worked out it was her salary packaging that was causing the problem and that she just didn't pay enough to cover the Medicare levy for that year, and that's where the extra bill came Yeah.","start_word":5609,"end_word":5674,"sentiment":"negative","sentiment_score":-0.3626953065395355},{"text":"I thought having the salary sacrifice was gonna do me a favor from. in paying less Yeah. tax. Yeah. So your employer contributions all get added back into your gross assessable income at tax time, and that all gets added back on to show how much you've actually earned, what your gross income is. And they work out for everything you've earned is your gross, and then you've got your deductions, how much tax you've paid, and that shows your net, and they kind of work out whether you owe a bill from there or not.","start_word":5675,"end_word":5770,"sentiment":"neutral","sentiment_score":-0.09599592536687852},{"text":"So it's a little bit complex the way that the ACO do it. It's definitely not fair because you think you're doing the right thing.","start_word":5771,"end_word":5795,"sentiment":"negative","sentiment_score":-0.6438456177711487},{"text":"But I have unfortunately seen it occur the way the way it's happened Yeah. for you. So Yeah. it's And definitely where's something the I would talk where's to your accountant where's about. the incentive in banking money with a high interest so you can grow your little bit of money that you've got if you then Yeah. gotta classify that as an income? Like, well, there's Yeah. no point. Like, you I don't know. I just I don't see the I don't know. You put it in the bank to make more money, Yeah.","start_word":5796,"end_word":5890,"sentiment":"neutral","sentiment_score":-0.06591450423002243},{"text":"That's but then stressful. you'll have money taken off you for Yeah.","start_word":5891,"end_word":5902,"sentiment":"negative","sentiment_score":-0.4374125897884369},{"text":"that. So it's not Correct. as grand as what Yeah. it seems. And No. and No. No. the and the Medicare levy, is that, like, a levy surcharge that we pay for Mhmm. everything Medicare related that we get that's both billed? Because, obviously, someone's That's, gotta pay for that. yeah, that's correct. Yeah. So the Medicare levy to 2%, that covers the cost of running and looking after Medicare. So whilst we assume we get the health care for free, we technically don't. We all We're pay technically for it as part done. And of you our know tax. what? The crazy thing is Yep.","start_word":5903,"end_word":6008,"sentiment":"neutral","sentiment_score":-0.11286362260580064},{"text":"in the last eighteen months, doctors have still been charging a fee.","start_word":6009,"end_word":6020,"sentiment":"negative","sentiment_score":-0.40630581974983215},{"text":"Yep. So for instance, Yep. what was both billing now cost me $84, and I tap once, Yep. pay $84, tap again, and I get $42 back. So every doctor's Yep. appointment is now costing me an extra $40 times however many doctor's appointments in a year, that Yep. extra. So shouldn't It's that crazy.","start_word":6021,"end_word":6075,"sentiment":"neutral","sentiment_score":-0.2493174821138382},{"text":"shouldn't everything just be bulk billed if we're being charged for it in the levy?","start_word":6076,"end_word":6090,"sentiment":"negative","sentiment_score":-0.3932085037231446},{"text":"I don't really Yeah. understand how that is fair or works Yeah. because wages No.","start_word":6091,"end_word":6105,"sentiment":"neutral","sentiment_score":-0.2614322304725647},{"text":"I don't go agree.","start_word":6106,"end_word":6109,"sentiment":"negative","sentiment_score":-0.34388551115989685},{"text":"up. Yeah. I agree with you on that one. Absolutely.","start_word":6110,"end_word":6119,"sentiment":"neutral","sentiment_score":0.08752592653036118},{"text":"My son doesn't get bulk billed for Medicare for a doctor's appointments anymore. I have to pay a full for him and then claim it back, and it costs a $100 to take him for a fifteen minute doctor's appointment. It's pretty expensive. I know. Horrible, It's ridiculous. isn't it? We don't get much I back.","start_word":6120,"end_word":6175,"sentiment":"negative","sentiment_score":-0.5054758191108704},{"text":"So know.","start_word":6176,"end_word":6177,"sentiment":"neutral","sentiment_score":-0.2215799391269684},{"text":"I understand your pain. It's not not very fair. They tax us and see us coming on absolutely everything.","start_word":6178,"end_word":6196,"sentiment":"negative","sentiment_score":-0.4632452428340912},{"text":"I know. Anyway Yep. alright. Did you want me to sign now? We up to that part? It's completely up to you. The last sort of sections there are just about making sure that you do seek the services of a solicitor and update your will, power of attorneys, and things like that. Just making sure all of those documents are up to date and and relevant there for you. I also just wanted to direct you down to, if you can, to page number 32, and this just outlines that remuneration side of things. So remember I talked about the ongoing service fee, but did you a solid and reduced it down to 1.10% there for you. Yes. And this page shows you that percentage so you can see it nice and clearly, and it shows as per the above table that we expected to be $1,219 for the year there. Okay? Okay. Okay? Yep.","start_word":6197,"end_word":6352,"sentiment":"neutral","sentiment_score":0.10410678386688232},{"text":"Excellent.","start_word":6353,"end_word":6353,"sentiment":"positive","sentiment_score":0.4173017740249634},{"text":"Underneath that, we just like to be open and clear with everything. So because you've got your Zurich insurance policy, we do receive we can see the policy. It is sort of looked after by us as well where the adviser's noted on the policy. So we do receive remuneration on that. We do receive 22% ongoing per year for the premiums there. We just like to be open and disclose that to you so you're fully aware, but it has no effect on my recommendations. We're retaining that policy and keeping it as it is because it suited your needs at the moment, but we will review that moving down the track. And should you wanna make alterations or change the policy, we will.","start_word":6354,"end_word":6478,"sentiment":"neutral","sentiment_score":0.20124594867229464},{"text":"It'll be all about your goals and what's right for you and in your best interest.","start_word":6479,"end_word":6494,"sentiment":"positive","sentiment_score":0.40820005536079407},{"text":"It'll have nothing to do with remuneration side of things for me. So I don't receive any of that. That goes to the company, and I receive a wage for doing what I do. So, I just Yeah. like to be open and honest and clear with you and show you that so you're fully aware. Okay?","start_word":6495,"end_word":6551,"sentiment":"neutral","sentiment_score":0.0499325767159462},{"text":"Yep. Excellent. So you're welcome to take it back and have a good read to the document if you would like to. If you're happy to sign to take on the recommendations, you're more than welcome to as well. It's completely up to you.","start_word":6552,"end_word":6595,"sentiment":"positive","sentiment_score":0.5084596872329712},{"text":"Once you've signed this document, the next document it does take you to is the ongoing service agreement for this next twelve months there. And by signing that document, you are agreeing to the ongoing service fee and the percentage of 1.10%. Okay? Yep. The thing wasn't Excellent. loading. It wasn't working Oh, for me. I'm gonna I'm gonna go into it again. yeah. I just You're want right. to start. So what do I do? I click to start Yep. and then And do I I click sign all? that's the one, and it will give you an option. It should bring up a signature if you're happy for it to just prepopulate Yeah. for you. Yep. Yeah. Then it says next. Next. Beautiful. Next document. Yep. Yeah. Next document. Perfect. Now it's saying click to start again. Is that right? Yeah. Must Yep. be the other spot with the signature that you were talking That about. makes Yeah. sense. Yeah. I always thought with this system when it says sign all, it should just automatically sign all, but Everything. it's sort of one document Yeah. at a time. It says, now I've got a ticket signed. You'll get the signed document by email. Let's So I must have done wonderful.","start_word":6596,"end_word":6807,"sentiment":"neutral","sentiment_score":0.05746748670935631},{"text":"it. Thank you so much for that.","start_word":6808,"end_word":6814,"sentiment":"positive","sentiment_score":0.6066339015960693},{"text":"You will have a copy there that you can download if you would like to. And if you do need a copy, my team are more than welcome are more than happy to also email you through a copy there as well.","start_word":6815,"end_word":6856,"sentiment":"neutral","sentiment_score":0.2727798521518707},{"text":"But thank you so much for your time today. I've really enjoyed putting this together for you. We'll do a catch up in six months to see how things are tracking there for you.","start_word":6857,"end_word":6890,"sentiment":"positive","sentiment_score":0.7069473266601562},{"text":"And if you find you have any questions or need anything in the meantime, please let me know.","start_word":6891,"end_word":6908,"sentiment":"neutral","sentiment_score":0.31479665637016296},{"text":"I'm more than happy to make extra time to follow-up and see how everything's tracking for you.","start_word":6909,"end_word":6925,"sentiment":"positive","sentiment_score":0.5735000967979431},{"text":"Okay? No worries. No worries.","start_word":6926,"end_word":6930,"sentiment":"neutral","sentiment_score":0.2642035186290741},{"text":"Thank thank you Alright. so much for your time. I hope you enjoy your day. I hope your son Thanks, has Sarah. fun at his transition day. Thank you. Talk to you soon.","start_word":6931,"end_word":6963,"sentiment":"positive","sentiment_score":0.6417564749717712},{"text":"Well, Dave.","start_word":6964,"end_word":6965,"sentiment":"neutral","sentiment_score":0.22668235003948212},{"text":"Thanks, Camilla. Thank See you. you later.","start_word":6966,"end_word":6972,"sentiment":"positive","sentiment_score":0.4911442697048187},{"text":"Bye bye. Bye. Bye.","start_word":6973,"end_word":6976,"sentiment":"neutral","sentiment_score":0.17751428484916687}],"average":{"sentiment":"neutral","sentiment_score":0.10140989259161122}}}}