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Is now still a good time there for you? Fantastic. All good. I'm just gonna email this one through to you. So if you're able to open up your emails there and open up the document, we'll we'll be able to go through that together, and then you'd be able to take it back and have a bit of a read through it as well. Okay? It should be on its way to you there. Now just before we jump into the call, Neil, I do need to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And, also, just to do security today with you, just to confirm your full name, your address, and date of birth I should have on file. Beautiful. Thank you so much for that. And how's your week been so far? That's good. That's good. And, Camilla, are you on the line as well? How are you? Oh, that that's good. How was jury duty? A lot? Oh, really? Yeah. Oh, wow. Oh. Yeah. Absolutely. Wow. Yeah. Absolutely. Wow. I I've never really met anyone that's had to go to jury or being called for jury duty before. So, wow, that's definitely an interesting one. But, yeah, I'm glad you yeah. You know, it worked out well for yourself. You didn't have to sit there and go through a long arduous case. Yeah. Oh, wow. Wow. And how's sorry. You're right. All good. Has that email popped through to you guys at the moment yet? Yeah. Yeah. Fantastic. And you I know you guys submitted your Centrelink application last week or the week before there. How is that going? Have they come back asking for anything additional, or are they still just processing everything? You're still just waiting? Yes. Yeah. Yeah. No. That's okay. It can take upwards of thirteen weeks if if they are doing things in a timely manner, but it can also take a little bit longer there. So if anything does come back different, let me know. As with this advice document, I've gone back and calculated the income and assets test that I'm able to do so and looked at how the property should be assessed for you and worked out the entitlement based on where you are currently at, and then looked at any additional alternatives and what else we can do there. So I'll go through what I'm recommending for you now. I'll let you know sort of what we have the advantages, disadvantages, alternatives, risks involved, things like that. I'll go through just a couple of the pages, sort of direct you through. And then once I've gone through the sections that I need to, I'll let you guys go back and read through the rest of the document properly. I've also got the appendices attached there, which outlines all the research conducted. I've also got the math equation, noting down how I've come through to the assets and income testing for you and come to the numbers that I've got there. If Centrelink does come back because there is always a there can be a discrepancy. So because I do all the math manually, they have a computer that does it. If Centrelink come back and note that there's a different assessment to what I've been able to work out, you guys just come and let me know. We can alter the advice to reflect and make some changes where we need to. Okay? All good. So when you've got that one open there, Neil, you'll note on the front page, it has your beautiful name there, so prepared for yourself. We did complete the document as of the May 25 and had it all ready to go for you. And on the bottom there for you both, it has my registration license information for you. Okay? Yeah. Yeah. That's the one. Yeah. Sorry. You're right. All good. All good. Now it should be letting you go up and down through that document. Is that working for you okay? Yep. Beautiful. Excellent. On the front there for your reference, my license number registered with ASIC is 1304394. And on the next page, it does outline the best interest duty. So as advisers, we have a fiduciary duty to make sure our advice is appropriate to you is there to help you meet your goals, but also under best interest. If there's a point where we're not meeting your goals, it's also within our fiduciary duty to make sure we disclose that to you. Okay? To make things a little bit easier, as you are sort of scrolling through the first few pages there, sort of pages three onwards, it notes the areas that we are scoping in and scoping out with regards to the advice there. So we're looking at superannuation, Centrelink assessment, retirement income needs, the estate planning side of things because we are looking at your retirement accounts now as well, and then also withdrawing some funds to pay off the debt, your home loan as well. Okay? We're not looking at anything with regard to personal insurances, and I've actually scoped out the AMP shares there. So the state that you sent me was good. It does note that you do have the shares there, but it doesn't kinda give me any cost base. So I've scoped that out of the advice for now. What I'll get you to do is if you want me to look at maybe whether you sell or keep those shares, I can look at that a little bit down the track, but I'll need to find out what the original cost base does. So when you originally purchased those shares or when they were provided to you, what was the purchase price that you paid for them or the capital you put into it so I can work out the tax consequences? They were just given to you? Yeah. Yep. That's okay. Yep. Yep. Okay. No. That's okay. Do you happen to have any of the documents anywhere when they were originally gifted or provided to you guys with the information? Just because I do need to be able to work out essentially what the cost base might be if there is a cost base, what they've said the initial buy price would look like, and work out the CGT consequences for you guys if you were to sell them. No. That's okay. That's okay. Okay. Yep. No. That's okay. That's not a problem at all. We can always sort of revisit that down the track. One of the big things is because, Neil, you have technically worked for some of this financial year, I would be suggesting we just hold off on the AMP shares for now. I did work out the value essentially with the current share price of those shares and the amount you do hold. The value is approximately about $2,600 worth. So it's not a huge asset to hold. It is something that does need to be disclosed to Centrelink as to the application, and it looks like on the application, they haven't been disclosed. So it is something to definitely make sure that we do add into the Centrelink update there. But for the time being, holding them is not a problem. We can maybe come back down the track and reassess those shares and work out, you know, if selling them is a good idea or keeping them. Normally, when we talk about selling investments and shares and things like that, because there are CGT of tax consequences for selling an investment, we normally sort of say, hold off until you have to sell them. If there's no need to sell them now, if you don't need the money desperately, then there's no point in creating a CDT event. You may as well just hold on to them. But, also, Neil, once you are officially, you know, not or haven't worked for twelve months, realistically, you won't have any actual income or you should be under the tax rate threshold. So selling them when you kind of hit that point could come at more of an advantage for you as well. That way, the money you sell them for, you get to keep for yourselves instead of having to pay tax on those. So we'll hold off for now. If I if we can get you to gather a bit more detail down the track for me, I can have more of a look at those for you, and then we might sort of revisit that in the new financial year when we, you know, when you haven't worked for twelve months, then you're hopefully under that tax free threshold with income side of things. Does that make sense? Yep. Beautiful. All good. So we're holding off on those shares at the moment there, but it's good to kinda keep those as a record. To make things a bit easier, what I'll get you to do is if you can scroll forward for me down to about page number 12, this is essentially where the recommendations are starting for you. Beautiful. So I've put them into stages to kinda show you how this will work. I'll go through it as easily as possible. Feel free to let me know if you do happen to have any questions there. Essentially, to start with, I am recommending, Neil, that you do move a 100% into the account based pension side of things. So we're gonna retain Hub twenty four as a platform and move all of your super a 100% into an account based pension for you within Hub twenty four. Essentially, this then allows you to start drawing an income there. With this recommendation here, I'm recommending that you do retain the full amount and that we would retain everything in your super and roll you over. The biggest thing with this is that I did go back and have a look at Centrelink and the assessment there because the way they assess your property, even though your property is essentially over that two hectares, just a little bit over the two hectares side of things, because, essentially, you guys have confirmed the property is not suitable for farming. It's swampy. The soil isn't of a condition to do so. Essentially, for them to assess that, they're assessing it under what's called the extended land purpose. So they need to be able to show that, a, you've had the property for more than twenty years, which you absolutely have, and I was able to Google to check that too. So I'm not sure how they couldn't prove that originally. You need to be of age pension age, which you do need, but then the other thing is making effective use of the productive land to generate income. So because the land is not suitable for generating income, it's swampy. The soil is another condition where you can farm. The exception to this extended land use test is that the land is is that if the land has no scope or limited potential to you to earn income, it can still satisfy the test as long as it isn't being produced as a or used as a commercial property in any way, shape, or form. So it all comes down to is the land over that two hectares being used for the purpose that it is able to be used for? Is it being used in yeah. If it could be farmed, is it being used to to farm? If it can't be farmed, then you can't use it for that practicality. So they can still assess it that way. And when I've kinda gone back and looked at everything, the land over the two hectares is technically not usable as a income producing purpose. Therefore, it should absolutely be completely exempt for Centrelink purposes, and under their rules, it can be. So I've assessed it to be that to be completely exempt for you. We are obviously waiting for them to complete the assessment, and if they come back and say, hey. We don't believe so, I would suggest that you guys ask them on what grounds, on what basis, and what have they done to show that. Because, realistically, if you can't use the land as farming, if it's not viable for primary production or for farming, then you can't use it for that purpose. So it realistically should still be considered a fully exempt asset for you on that basis, but it also comes down to what Centrelink say, and I've seen some of them come back and have some really strange reasons for it. So if at any point they come back and say it's not fully exempt, can you find out the reason why, what they've done, and how, and then come back to me? I can always go back and reevaluate things if they are assessing some of the land as an asset. But, theoretically, based on everything I've looked at and their own rules, your whole property should be fully exempt. Okay? Yeah. Perfect. And in the advice document, I've actually got snippets there and also in the appendices snippets from their ruling for you to show you exactly how they're assessing that under the extended land use test. Okay? Beautiful. It's a very broad statement they make, honestly. Make effective use of the property. Well, the property can't be used for farming, so therefore, it's used effectively. Yeah. All good. So, theoretically, I know one of the things that was made mentioned to you when you spoke to Maddie the other day, someone at Centrelink have made mention about drawing some money out and possibly putting that in your super, Camilla. That is something I have assessed. It is really honestly not worth doing at the moment. If there is any change to the Centrelink assessment, then we can absolutely look at doing that. But to do that, I would want to make sure that I'm assessing your super as well, looking at how it's invested, whether the money being deposited make you know, what kind of caps it meets for you, how it's best to be deposited, and how that looks long term for you both as well. Because the main sort of thing the main advantage to moving solely into the age pension side of things so in super in the accumulation stage at the moment, any income or capital gains that your super is making is actually being taxed at 15%. Neil, by you actually moving wholly into the pension phase, moving all your funds into there, there's no income or capital gains tax applicable to your funds. So all of your money is sitting in that pension phase. It's still working and growing, producing income and growth, and it's not paying any income or CDT tax. So that phase is completely tax free as well as the the drawdowns being tax free for you. Does that make sense? Yeah. Yeah. No. Not in pension phase. You're in the coolest phase of life. So, look, the first other recommendation that is that we do, we move you into the hub twenty four pension account. It's a full account based pension there, and it's it's a very easy transfer. Everything is in specie transferred across. We just get you to sign the form, get your bank information, and we do all that process there for you. It's a straight transfer, and it happens very quickly for you. Okay? Once we've done that, if you scroll further on down there for me to page number 19, you'll have the stage two. This is where we're gonna start by drawing a lump sum drawdown from your pension account of 87,000. So, essentially, with the statement you provided from the bank, you owe just over 86,000 on the mortgage there. I've just rounded it up to 87,000 just to make sure we're covering any differences. Because when you think about mortgages, interest is calculated daily and charged monthly. So the payout figure they give you can change on a regular basis. So I just sort of when I looked at things, my let's just round it up to 87,000, a nice rounded figure there for you. It gives you a bit of a buffer in case there's some additional interest somewhere that they haven't accounted for. And then it also just gives you a small buffer, a a few x you know, a couple extra $100 just to sort of have sitting aside to go out and enjoy yourself or to put, you know, in a in an account somewhere. So I've just kind of rounded that figure up for you, but the reason we're moving into pension phase first is because, a, your income payments are drawn down completely tax free, but there's no income or CDT tax in pension phase. So by moving into pension phase first and then drawing down from the pension of the 87,000, your fund will have no tax consequences for selling down the investments. Whereas if we held you in the accumulation phase first and then completed the sell down, your fund would have to account for capital gains tax at 10 to 15% and or income tax at 15% there as well. So it works out to your benefit to move in the pension phase and then complete that drawdown. Does that make sense? Yep. Perfect. That's okay. So that'll be drawn down to your bank account, and then you can move the funds across, and then you'll be able to pay out your mortgage there. These recommendations are in your best interest because it is a more tax effective way for you. As I mentioned, there's no income or CD tax in that pension phase, and it's very easy to have the lump sum drawn down nice and quickly for you as well. Okay? Excellent. If you go down to page number 23 for me, we have stage three for you. Now this is essentially what we wanna do with regard to an investment switch. So once we've completed that drawdown of the of the funds for you to pay out your mortgage, which will leave you both completely debt free, which is fantastic, we're gonna also do a bit of an investment switch here. Essentially, I had a really good look at your investments at the way you were invested. We did talk about just maybe reducing the risk level a little bit and making sure you're in that balanced kind of environment, which is generally where you see about 60% of your super invested in growth assets, things like Australian shares, international shares, listed property, commodities like gold and silver, and then just increasing some of those defensive lower risk investments like cash and bonds and fixed interest to make sure that you're taking less risk in the market. The idea and the goal here is to provide longevity out of your super to supplement the age pension eligibility and to make sure that you can, you know, suffice or live in the retirement years for the next sort of ten to twenty to thirty to forty years, and longevity becomes really important here. So taking less risk in the market and not seeing such drastic ups and downs in your super balance is where we kind of end up in this this stage of life. Does that make sense? Yeah. It is. Yeah. It's a soup it's a super pension, essentially. So it's just the wording that they have in the template there. I do apologize that, but you'll be in the pension phase first. Sorry. Yeah. That's okay. Absolutely. Absolutely. All good. So that's essentially underneath the outlining the best interest, Judy, the recommendations around the advantages, disadvantages, and the risk of that strategy there. If you scroll down a little bit further for me to page number 30, I'll show you what changes we're gonna make to the investments just so you can see all of that. Beautiful. Beautiful. So this is essentially the investments that you do have in there. So you've got well, what what we're going to do sorry. And the red is what gonna be selling off, and the green is what we're gonna be purchasing into. So we are gonna be selling down the battery and lithium tax, selling down the ban along Australian equities, which is the one that's been underperforming a little bit there as well. We'll also be selling down the bank hybrids. They are actually being phased out as an investment in the future, so removing those whilst we are making changes of portfolio and distributing the funds now is a good idea. Best to do it now while we have the option to do it rather than down the track when we have no choice and have to do it quickly for you. So selling off all the bank hybrids there. Physical gold is a great investment. We're just rebalancing it for you. So you are a bit you've got a 9% at the moment. We do wanna hold 10% of your total balance there. But when we look at the amount you hold now compared to what we need to have in your total balance, we just need to sell off a little bit of that as well. And we're also selling some of that down to withdraw the 87,000 for you. With the core composite bonds, because we are getting rid of the bank hybrids, we wanna make sure and increase those defensive lower risk investments, and core composite bonds are essentially that. Bonds are more of an income producing lower risk investment. They do tend to get a lower rate of return, but they don't fluctuate. They don't go up and down as drastically like shares do. So we do wanna increase exposure into these lower risk investments like just like bonds. So putting 25% of your funds into this sort of investment here. We are still holding the S and P 500, so exposure into The US is still really important. And you do wanna have some growth investments in your soup in your super in your pension anyway. Even when we are taking lower risk, having some growth investments is still really important for getting some good higher returns and providing longevity. So we are gonna keep the S and P 500, but we're just gonna sell some of it off and rebalance that reduce your risk in that and also selling some of that to be able to draw down the 87,000 for you as well. Okay? The beta shares Rafi 200, we're gonna sell that down completely, remove that out of the portfolio, and also removing all the infrastructure there as well. Where we are gonna see your funds invested, so, essentially, what you'll see once we've completed the rebalance and altered the investments, you'll still have about 10% physical gold. We'll have 25% in the core composite funds. We're gonna retain 22% of the s and p 500, so The US exposure. We're also gonna have some cybersecurity, so some global cybersecurity, which is diversifying, giving you access to cybersecurity country across the globe, all over the world. We're also gonna keep some European exposure, and that's into all the European countries, not just one, two, or three. So, again, looking at diversification for lowering risk, but also looking for some growth in those areas. The Vanguard or WorldX US, that's essentially looking at investing across every country except for The US, and that's because we have the S and P 500 above there. And, again, it's diversification. So one of the best best ways to mitigate long term market risk is to diversify. Make sure you're spreading your risk across lots of different countries, asset classes, across those growth and defensive assets there. So this Vanguard index fund is essentially looking to do that, and we'll hold about 6% of that for you as well. It's important to have some Australian exposure, and that's what the BetaShares Australian 200 is. That's essentially giving you exposure to the top 200 companies on the ASX. And one of the things I do like about these sorts of index investments is that they're tracking in indices. So one of the things that I like to make sure we're doing or is really good to do is that with the a 200 and even the S and P 500, you're tracking those indexes with the top 200 or the top 500 companies on The US and the Australian market there. In order for companies to be inside the indices that this investment is tracking, they have to meet a criteria. So say if a company on the ASX didn't meet the criteria to be in the a 200, it would be removed out of the industry and therefore removed out of the investment that you're invested in as well and replaced with something else that does meet that criteria. So you can rest assured that you are always invested in the top 200 companies with the a 200, and the same goes with the S and P 500. It tracks the S and P 500 index. And, essentially, in order to be in that index, you have to meet a certain criteria. So companies that don't meet the criteria, whenever the investment committee for the indices meets, which at the moment is every quarter, companies are removed out of the index and therefore moved out of the S and P 500 investment as well. So it's good to know that companies that aren't performing that don't meet those criterias don't stay in those investments, and they're replaced with companies that do. So you are always tracking the top 500 companies on the a with the S and P 500. And with the a 200, you're always tracking the top 200 companies on the ASX as well. Does that make sense? Yeah. Beautiful. And then the last one at the bottom there is the beta shares high interest cash account. So this is looking at fixed interest cash accounts, trying to get the best returns on the market for you. Essentially, again, it's important to have this as more of a defensive lower risk investment. High interest cash accounts, bonds, and fixed interest, they are lower risk. They do tend to get a lower rate of return, but when we are taking less risk in the market, it's, again, it's about longevity and income producing. One of the big important factors of this stage of your life there is that you're going into those retirement years, so we are drawing income out of your pension account. And because there's no tax consequences in this phase of life for you with regard to your pension account, we can then be making more in the way of income because there's no income tax to be made. And the income that's generated by the portfolio helps to draw down your regular pension payments for you so that you're hopefully taking less out of your capital. Does that make sense? Yeah. Do you have any questions so far either of you? All good. All good. The next page just outlines the amount of cash that we do need to hold. So within hub twenty four, we do have to hold a minimum of 1.25% cash. This shows that at the moment, your cash holding is a little bit higher than that, so we will just invest a bit over a thousand dollars there to make sure your cash holding remains at 1.25%, keeping as much money as we can invested into those investments working harder for you. Okay? Perfect. So sorry. My throat's a little bit sore today, so I'm just having a quick drink. I apologize. All good. You're right. Neil, did you wanna ask a question? Or No. All good. Perfect. So, essentially, where we are at the moment with the recommendations of stage one, two, and three, they will start by moving you into the pension phase, Then we'll draw down that 87,000 so you can pay off the mortgage, and then we're gonna do an investment switch there for you as well, which is also lowering your risk level and changing your investments so that things are working harder for you. Okay? On page number 35, you've got your fourth stage of the plan, and this is essentially where the draw downs and the age pension side of things comes into account. So you've sent your application off for the age pension, essentially. We're just now waiting for that to be, essentially accepted and for that to go into play and for them to assess that. It can take up to thirteen weeks if everything is in line. If they don't require anything additional, I have seen it take a little bit longer essentially as well. So what I'm recommending with this stage is once we've done we've moved you into pension. We've drawn down the 87,000 for you. We've done we're doing the investments which as well, but we're also gonna set up a regular pension payment for you. Now you guys filled out the budget plan, and thank you so much for doing that. I went back and entered all the information through and had a really good look. And in order for you to survive, you need to live on about $868 per week to cover all of your expenditure. And that's not including, Camilla, your income. So I've separated your your income away from this. So your income provides just a buffer additional funds and a little bit extra for you guys as well as we discussed. Okay? So once we open the pension account, we'll set your pension up. And look, this won't happen in this order. We'll essentially open the pension account up. We'll tell them how much to start drawing down, and these pension payments will start very quickly for you as well. We won't make you wait till after the draw downs or anything like that. It's just the way we've set it out in the plan to make it a bit clearer for you. Okay? All good. So, essentially, to start with, we're gonna draw down the full $868 on a weekly basis or essentially per fortnight if you prefer. Fortnightly, it's $17.36 and 1¢ there. Essentially, that will give you the regular drawdown out of your pension account to cover all of your expenditure, and then it leaves your additional income there, Camilla, for additional expenditures, holidays, savings, whatever it is that you guys might wanna spend that money on for you. And Neil's pension payments paid down regularly will cover your base expenditure. Okay? We'll start these draw downs as soon as absolutely possible. We'll get your bank details and start them straight away for you. And then once your Centrelink has been assessed, we'll start to just pull them back a little bit. So I went back and I looked at how you had filled out the application form, and I had a look at the assessment. I did the math equation on both the income and the assets test for you. What I've essentially worked out is that you're actually probably gonna be assessed under the assets test that showed to provide a lower payment. So, essentially, they're gonna pick the one that gives you the lower the lower payment, which from my which from my calculations is the assets test. To kinda give you an idea on how we work this out and how the math equation works, and in the appendix which you'll have attached there, you can actually open that up and see. I've set it out bit by bit for you. But how the income test and the asset test is essentially assessed, Income test first for you is that they take your your fortnightly income, Camilla. That is set to one five for the moment. They then look at your financial assets. The financial assets for yourselves are the shares that you do hold with AMP, the funds in your bank account there, and also your super. I've assessed your super balance after the 87,000 drawdown for you as well. So it's actually gonna be a less of a super balance than what you've declared them currently. But they essentially look at this and these assets are deemed. So they're not gonna look and assess at the $800 that you're drawing down out of the pension account on a weekly basis. They're deeming a certain rate of return that your investments can receive. Because you're a couple, they deem the first 106,200 of your financial assets at a rate of 1.25%, and then everything over that is deemed at 3.25. So I took your initial your balance after we take your current balance now, subtract out the 87,000. We end up with a balance owing of about 690,005 oh, sorry. No. $6.06 my apologies. I'm looking at the wrong page. We have a balance of $6.06 $67.09 $9.07 after we take out the 87,000. So it's taking your current super balance, subtracting 87,000, and then adding that balance to your other financial assets, so your shares, your bank accounts. We ended up with 690,598 and 60¢. We then subtract off the deeming amount there, the 106,200. We apply the 1.25%, and then anything over that, which worked out to be a 584,398 is being the 3.25%. And that tells us how much income that Centrelink will assess you under the income test. We add that to, Camilla, your fortnightly income, convert it all to a fortnightly amount, and then subtract that from the the maximum you're able to earn, which is $380 on a fortnightly basis. And then we take the amount the amount over the $3.80. We take that away from the full pension payment of $905.20 per fortnight, and that essentially gives us the total amount that you're able to receive for the income test, which essentially is about a $187.93 per fortnight. So it gives you a part pension, and it's estimated that you'll be able to receive a $187.93 per fortnight from the age pension, which gives you access to the pension card and all the additional benefits with that. Okay? Yeah. It's a lot. I'm sorry. It is a lot. It is a lot. We've stepped it out bit by bit for you there. In order to look at the assets test, essentially, they look at the total asset value, your super balance, the bank account balances, your shares. They also take into account the two vehicles and your contents there as well. Your income is not assessed under the assets test. They essentially add all of that together, and then they subtract that away from the minimum threshold, which is currently 481,500. That gives them a total of how much is over the minimum threshold. Under the assets test, essentially, for every 1,000 over the minimum threshold, we lose about $78 per year, which is $3 per week. So we take that amount. We divide that by a thousand, then we multiply that by three, and that gives us how much you lose. We subtract that from the total full pension amount, and that leaves you with how much you would be estimated to receive. Under the assets test, you were oh, sorry. Under the sorry. My computer just froze on me. Under the assets test, you were able to receive about a hunt $187.93. Under the income test, you were actually eligible for about 329. So because the assets test provides you with a lower rate of pension payment, that's the one they're probably gonna go with. Okay? Beautiful. All good. It's a lot. I know that, and I'm so sorry. Oh, that's okay. I try to sort of give you a bit of context on how we get to the figures that we do, but it is a lot to go through. It is not easy. And, look, I always kind of make sure I let you know that I do this manually. Centrelink don't do this manually. They input everything into a computer, and a computer tells them how to you know, what's gonna happen, which is kind of interesting because I did this in less than thirteen weeks. So you think a computer should be able to do their assessment less than thirteen weeks too. But but yeah. So they assess you under both those tests. As I kinda mentioned, the asset test is the one that provides you with the lower payment, so that's the one they're going to probably assess you under. It's it's kind of interesting. You would think that they're gonna assess you under the income test because you're getting still income regularly, but it doesn't tend to work that way. I did look at, obviously, looking at maybe sheltering a bit more money and putting some more money, say, into your account, Camilla, or putting some money into other areas. I discounted that solely because to start with, this assessment is still giving you a part pension. So long as the the house is fully exempt, it's still giving you a part pension entitlement. And, Camilla, you're 60, so you've still got quite a bit of time ahead of you there. And your super is not assessable by Centrelink until you reach the age of 67. So depending on how things track down the down the road, we are going to have to down the track look at sheltering money in other ways. And there are ways of sheltering, but sheltering now means we are locking the funds away. So if we were to move the funds from Neil's super into yours because you're still working, there are limitations around accessibility. So we'd be locking it away till you turn 65 unless you were to stop working. If we were to look at things like funeral bonds or annuities, which also are great for Centrelink sheltering, we would be locking the funds away. So we're better off to do that down the track when we are assessing you both as a unit and when your super then becomes accessible to, you know, look at how to maximize things down the track for you. And for now, just starting off simple, moving into pension, paying down the mortgage, getting a part pension to start with, and then just making sure that you're you're covering your weekly expenditure. You've got your income as a separate amount for the buffer, but also making sure that if you need large sums of money, you know, we still have bills coming in. There's still rates to pay. You might want holidays or might wanna buy a new car or something down the track. That keeping Neil's Neil's super working allows you guys to draw down, you know, additional lump sums if you need them as well, whereas moving that money back reduces how much is in his pension working harder. And that also then means that if you take lump sums down the track, it provides more of a disadvantage. We're taking more chunks out of the super, which reduces longevity of it. So I wanted to just look at getting a part pension now, give you guys the access to the pension, but also making sure that that you have access to additional funds when you need them because things can come up, life can change, and Neil's sleep is where you'll be able to take that money from. So, yep, that's okay. So with this to start with, we'll be drawing out the $6.86 on a weekly basis there or the 7 $17.36 per fortnight. It's completely up to you how you want it weekly or fortnightly. We can work it either way within the pension fund for you. Once the Centrelink assessment comes through, essentially, we wanna just reduce that back a little bit. So by being under the assets test and getting the $1.87 93 per fortnight from Centrelink, we can then reduce your pension payments out of your pension account to $7.74 and 4¢. That still gives you the fortnightly income amount of the $17.36. It just means you draw a little bit less out of super, which provides a bit more longevity to your super there. Okay? Beautiful. This is a lot, and I understand that. Do you guys have any questions for me at the moment? Did you wanna break me to break anything more down for you? Yeah. That's all good. As I said, after this, you'll take you can take some time to read through the advice document, read through the appendices, come back, and let me know if you do have any questions. I've outlined all the math for you, laid it down, added all the research information for you, and just let me know if there are any additional questions or if there's anything that you do wanna look at changing. If it comes back in Centrelink assessing slightly differently, that's absolutely okay. We can adjust the pension payments to, you know, coordinate, and we can also if they come back and jump up and down about the main primary residence exemption, then we can always look at sheltering money or look at altering the plan. So moving forward with this advice does not in any way, shape, or form restrict us from to making change to that at any point in time. The advice is very liquid. It can be altered and changed as we need to. Okay? Perfect. Excellent. That's essentially the bulk of the advice for you. I won't go through too many more numbers. You probably both it's still early there. You're probably both hanging out for a a coffee. And then and then I'll try numbers at you both. The other thing we do wanna look at is the the beneficiary side of things. So, Neil, because we are opening up a pension account for you, you have your beneficiary nomination, your super. We need to make sure one is applied to the pension account as well. I'm recommending that we actually apply a reversionary beneficiary for you. So it's a bit different to the way a normal beneficiary works. Normally, you have what's called a binding lapsing or a binding non lapsing beneficiary. That essentially, in the event of you passing, means that your spouse needs to go through a claim. In pension phase, we get access to some cooler beneficiary nominations. Sorry. I'm definitely an adviser. I do apologize. It's cool to me. With a reversionary beneficiary, they're only available in pension account, and it can only be paid to your spouse. And it means that if anything happens, once you're in pension phase with your pension being paid down, if you were to pass away, your pension payments would continue to be paid to Camilla with no stopping. Under a normal, beneficiary nomination, whether it be binding or nonbinding, the pension payments after your passing would essentially stop, and, Camilla, you would have to claim on the on the super or the pension account and have that transferred into your name. With a yeah. With a reversionary beneficiary, if you're getting that $868 or the $7.74 on a regular weekly basis and Neil was to pass away, those pension payments just continue. They're still doing all the claiming the back end, but it means that you don't miss out on those additional funds, which because you still have, you know, your expenditure, you've got life and fuel and groceries and everything else that goes into that. Just because one person passes away, doesn't mean your bills stop at the same time. So it does allow you to continue to receive that, pension payment on a regular basis. It doesn't stop in any way, and they still just go through the claims process in the background whilst they transfer everything into your name. So it's a really cool way of just making sure that everything is, you know, dotted, that you're still able to access those funds when needed, and making sure that you're supported even through the time. And sometimes it's the most expensive time I do know going through. I mean, I'm 41 now, so, unfortunately, I'm at the point where a lot of people I've known for years and years are at that passing stage and, unfortunately, going to a lot of funerals at the moment. So, you know, it is it is something you think about. And families actually find it's a lot more expensive at the time people are coming in. You've got expenditure. You might be taking time off work, and you're buying food and paying for everything for the funeral and things like that. So it can be more of an expensive time frame. So continuing those pension payments there just protects you and looks after you whilst you're going through that time. In saying that, Neil, I hope nothing happens. I'm touching all the wood possible. I want you to live and enjoy the next thirty to forty years of your retirement. Okay? Beautiful. Beautiful. But, look, that's essentially all the stages of the advice there. I the only other thing I need to point out to you, Neil, is that you do pay an ongoing service fee for having us as your advisers. You pay 1.65% per annum. That is capped at balance of those 600,000. So it's capped at 9,900. We don't charge 1.65% of anything over above that 600,000 balance, so it is capped for you. Camilla, down the track, if you decide you want me to look at your super, look at doing joint advice and, you know, helping you along, we absolutely can do so. If you decide to come on as a client, we do reduce Neil's fee to 1.1% ongoing, and yours is also of that reflection. We join couples together and have a coupling fee. There is an implementation fee for doing that, but we can kinda go through that in a bit more detail when and if you're ready to do so. I don't want ever want anyone to feel pushed or rushed into things. Advice is a personal decision. So Yeah. Absolutely. Absolutely. Perfect. I definitely agree with that. That's absolutely fine. And I'm here to always have a conversation with you If you wanna start by just talking to me about what you're after, what you want, and we can have a general conversation, then we can kinda go from there. But, yeah, when you're ready, you let me know. I'll make time to have a chat. As I said, I love this. I'm probably the happiest person on the planet talk about beneficiary nominations and super and pension and do math equations. So more than happy to help you whenever you need, but I really enjoyed putting this advice together. I do apologize that I had to push it back a week to make sure the research was done correctly. But oh, it's all good. But, no, thank you for getting everything correlated. You did amazing in amongst going to jury duty. I tell you what. Yeah. Yeah. Wow. It is. Yeah. Yep. Yeah. So on the very last page of that email, you'll have a little sign box. Neil just needs to click and sign that, return it back to us. I'll then get the admin team to give him a call, get his bank information, and we'll go forward and start opening the account and getting it all sorted. One of the things I did wanna sort of point out as well is when I've done the calculations, you'll notice in the appendices, I've used different figures to what you've actually got there. So it's about once we get the pension account opened, we get the drawdown done, your balance in Super will also be different. So it's about updating Centrelink with the the Super balance after you've drawn that 87,000 out. We will need to make sure the shares are noted there as well. But just making sure the figures are essentially in line with what we have here to get the assessment. Because at the moment, your super balance is higher than what we have noted, so the assessment could be quite different to start with. But once we start things once I've assessed everything, we can go back and make alterations to everything. But, yeah, making sure that we update them with your super balance to show that the assessment is correct, the shares get added there for you, and we'll make sure that drawdown for the 87,000 happens nice and quickly because that shelters that money fast. And they're gonna wanna see if your super balance has dropped where the money's gone to and why it's come out, and you paid off your mortgage. So you they'll ask the bank statements to show where that transaction has gone to. Okay? Yeah. Okay. Yep. That's correct. That is that's you accepting all of the recommendations. If you decide there's something you wanna alter or change, there is a text box for you to write in. But, yeah, if you're happy to to sign on the bottom line, accept all the recommendations, and have it all put into place, we'll just get you to sign, date, return it back to me. And I've attached all those documents to the email as an attachment so you can save them down, and you can also look at them again a bit later. It's got the statement of advice for you, the appendices, the financial services guide for us for your reference as well, and any PDF documents for hub twenty four on their pension accounts for you as well. Okay? Excellent. That's okay. Do either of you have any questions at the moment? Absolutely. Perfect. Beautiful. Thank you so much for your time today. I'll let you both go to have a nice morning coffee. Thank you for taking my call. I'm sorry. It's so early. Okay. My pleasure. It's been a oh, not a problem, Neil. Are you going golfing today? Oh, no. Oh, no. Well, hopefully, next time you have a better one. Yeah. Oh, are you? Yeah. Wow. Yeah. Oh, all good. Well, thank you so much for your time. I'll let you both go. Let me know if there's any additional questions or concerns that you have. But, yeah, take your time to have a good read through that. Okay? My pleasure. Thank you so much. See you later. 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Neil. It's Dana from Oakview Financial. How are you this morning? I'm very well. Thank you.\n\nI have your updated statement of advice to run through with you this morning. Is now still a good time there for you? Fantastic. All good. I'm just gonna email this one through to you.\n\nSo if you're able to open up your emails there and open up the document, we'll we'll be able to go through that together, and then you'd be able to take it back and have a bit of a read through it as well. Okay? It should be on its way to you there. Now just before we jump into the call, Neil, I do need to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nFantastic. And, also, just to do security today with you, just to confirm your full name, your address, and date of birth I should have on file. Beautiful. Thank you so much for that. And how's your week been so far?\n\nThat's good. That's good. And, Camilla, are you on the line as well? How are you? Oh, that that's good.\n\nHow was jury duty? A lot? Oh, really? Yeah. Oh, wow.\n\nOh. Yeah. Absolutely. Wow. Yeah.\n\nAbsolutely. Wow. I I've never really met anyone that's had to go to jury or being called for jury duty before. So, wow, that's definitely an interesting one. But, yeah, I'm glad you yeah.\n\nYou know, it worked out well for yourself. You didn't have to sit there and go through a long arduous case. Yeah. Oh, wow. Wow.\n\nAnd how's sorry. You're right. All good. Has that email popped through to you guys at the moment yet? Yeah.\n\nYeah. Fantastic. And you I know you guys submitted your Centrelink application last week or the week before there. How is that going? Have they come back asking for anything additional, or are they still just processing everything?\n\nYou're still just waiting? Yes. Yeah. Yeah. No.\n\nThat's okay. It can take upwards of thirteen weeks if if they are doing things in a timely manner, but it can also take a little bit longer there. So if anything does come back different, let me know. As with this advice document, I've gone back and calculated the income and assets test that I'm able to do so and looked at how the property should be assessed for you and worked out the entitlement based on where you are currently at, and then looked at any additional alternatives and what else we can do there. So I'll go through what I'm recommending for you now.\n\nI'll let you know sort of what we have the advantages, disadvantages, alternatives, risks involved, things like that. I'll go through just a couple of the pages, sort of direct you through. And then once I've gone through the sections that I need to, I'll let you guys go back and read through the rest of the document properly. I've also got the appendices attached there, which outlines all the research conducted. I've also got the math equation, noting down how I've come through to the assets and income testing for you and come to the numbers that I've got there.\n\nIf Centrelink does come back because there is always a there can be a discrepancy. So because I do all the math manually, they have a computer that does it. If Centrelink come back and note that there's a different assessment to what I've been able to work out, you guys just come and let me know. We can alter the advice to reflect and make some changes where we need to. Okay?\n\nAll good. So when you've got that one open there, Neil, you'll note on the front page, it has your beautiful name there, so prepared for yourself. We did complete the document as of the May 25 and had it all ready to go for you. And on the bottom there for you both, it has my registration license information for you. Okay?\n\nYeah. Yeah. That's the one. Yeah. Sorry.\n\nYou're right. All good. All good. Now it should be letting you go up and down through that document. Is that working for you okay?\n\nYep. Beautiful. Excellent. On the front there for your reference, my license number registered with ASIC is 1304394. And on the next page, it does outline the best interest duty.\n\nSo as advisers, we have a fiduciary duty to make sure our advice is appropriate to you is there to help you meet your goals, but also under best interest. If there's a point where we're not meeting your goals, it's also within our fiduciary duty to make sure we disclose that to you. Okay? To make things a little bit easier, as you are sort of scrolling through the first few pages there, sort of pages three onwards, it notes the areas that we are scoping in and scoping out with regards to the advice there. So we're looking at superannuation, Centrelink assessment, retirement income needs, the estate planning side of things because we are looking at your retirement accounts now as well, and then also withdrawing some funds to pay off the debt, your home loan as well.\n\nOkay? We're not looking at anything with regard to personal insurances, and I've actually scoped out the AMP shares there. So the state that you sent me was good. It does note that you do have the shares there, but it doesn't kinda give me any cost base. So I've scoped that out of the advice for now.\n\nWhat I'll get you to do is if you want me to look at maybe whether you sell or keep those shares, I can look at that a little bit down the track, but I'll need to find out what the original cost base does. So when you originally purchased those shares or when they were provided to you, what was the purchase price that you paid for them or the capital you put into it so I can work out the tax consequences? They were just given to you? Yeah. Yep.\n\nThat's okay. Yep. Yep. Okay. No.\n\nThat's okay. Do you happen to have any of the documents anywhere when they were originally gifted or provided to you guys with the information? Just because I do need to be able to work out essentially what the cost base might be if there is a cost base, what they've said the initial buy price would look like, and work out the CGT consequences for you guys if you were to sell them. No. That's okay.\n\nThat's okay. Okay. Yep. No. That's okay.\n\nThat's not a problem at all. We can always sort of revisit that down the track. One of the big things is because, Neil, you have technically worked for some of this financial year, I would be suggesting we just hold off on the AMP shares for now. I did work out the value essentially with the current share price of those shares and the amount you do hold. The value is approximately about $2,600 worth.\n\nSo it's not a huge asset to hold. It is something that does need to be disclosed to Centrelink as to the application, and it looks like on the application, they haven't been disclosed. So it is something to definitely make sure that we do add into the Centrelink update there. But for the time being, holding them is not a problem. We can maybe come back down the track and reassess those shares and work out, you know, if selling them is a good idea or keeping them.\n\nNormally, when we talk about selling investments and shares and things like that, because there are CGT of tax consequences for selling an investment, we normally sort of say, hold off until you have to sell them. If there's no need to sell them now, if you don't need the money desperately, then there's no point in creating a CDT event. You may as well just hold on to them. But, also, Neil, once you are officially, you know, not or haven't worked for twelve months, realistically, you won't have any actual income or you should be under the tax rate threshold. So selling them when you kind of hit that point could come at more of an advantage for you as well.\n\nThat way, the money you sell them for, you get to keep for yourselves instead of having to pay tax on those. So we'll hold off for now. If I if we can get you to gather a bit more detail down the track for me, I can have more of a look at those for you, and then we might sort of revisit that in the new financial year when we, you know, when you haven't worked for twelve months, then you're hopefully under that tax free threshold with income side of things. Does that make sense? Yep.\n\nBeautiful. All good. So we're holding off on those shares at the moment there, but it's good to kinda keep those as a record. To make things a bit easier, what I'll get you to do is if you can scroll forward for me down to about page number 12, this is essentially where the recommendations are starting for you. Beautiful.\n\nSo I've put them into stages to kinda show you how this will work. I'll go through it as easily as possible. Feel free to let me know if you do happen to have any questions there. Essentially, to start with, I am recommending, Neil, that you do move a 100% into the account based pension side of things. So we're gonna retain Hub twenty four as a platform and move all of your super a 100% into an account based pension for you within Hub twenty four.\n\nEssentially, this then allows you to start drawing an income there. With this recommendation here, I'm recommending that you do retain the full amount and that we would retain everything in your super and roll you over. The biggest thing with this is that I did go back and have a look at Centrelink and the assessment there because the way they assess your property, even though your property is essentially over that two hectares, just a little bit over the two hectares side of things, because, essentially, you guys have confirmed the property is not suitable for farming. It's swampy. The soil isn't of a condition to do so.\n\nEssentially, for them to assess that, they're assessing it under what's called the extended land purpose. So they need to be able to show that, a, you've had the property for more than twenty years, which you absolutely have, and I was able to Google to check that too. So I'm not sure how they couldn't prove that originally. You need to be of age pension age, which you do need, but then the other thing is making effective use of the productive land to generate income. So because the land is not suitable for generating income, it's swampy.\n\nThe soil is another condition where you can farm. The exception to this extended land use test is that the land is is that if the land has no scope or limited potential to you to earn income, it can still satisfy the test as long as it isn't being produced as a or used as a commercial property in any way, shape, or form. So it all comes down to is the land over that two hectares being used for the purpose that it is able to be used for? Is it being used in yeah. If it could be farmed, is it being used to to farm?\n\nIf it can't be farmed, then you can't use it for that practicality. So they can still assess it that way. And when I've kinda gone back and looked at everything, the land over the two hectares is technically not usable as a income producing purpose. Therefore, it should absolutely be completely exempt for Centrelink purposes, and under their rules, it can be. So I've assessed it to be that to be completely exempt for you.\n\nWe are obviously waiting for them to complete the assessment, and if they come back and say, hey. We don't believe so, I would suggest that you guys ask them on what grounds, on what basis, and what have they done to show that. Because, realistically, if you can't use the land as farming, if it's not viable for primary production or for farming, then you can't use it for that purpose. So it realistically should still be considered a fully exempt asset for you on that basis, but it also comes down to what Centrelink say, and I've seen some of them come back and have some really strange reasons for it. So if at any point they come back and say it's not fully exempt, can you find out the reason why, what they've done, and how, and then come back to me?\n\nI can always go back and reevaluate things if they are assessing some of the land as an asset. But, theoretically, based on everything I've looked at and their own rules, your whole property should be fully exempt. Okay? Yeah. Perfect.\n\nAnd in the advice document, I've actually got snippets there and also in the appendices snippets from their ruling for you to show you exactly how they're assessing that under the extended land use test. Okay? Beautiful. It's a very broad statement they make, honestly. Make effective use of the property.\n\nWell, the property can't be used for farming, so therefore, it's used effectively. Yeah. All good. So, theoretically, I know one of the things that was made mentioned to you when you spoke to Maddie the other day, someone at Centrelink have made mention about drawing some money out and possibly putting that in your super, Camilla. That is something I have assessed.\n\nIt is really honestly not worth doing at the moment. If there is any change to the Centrelink assessment, then we can absolutely look at doing that. But to do that, I would want to make sure that I'm assessing your super as well, looking at how it's invested, whether the money being deposited make you know, what kind of caps it meets for you, how it's best to be deposited, and how that looks long term for you both as well. Because the main sort of thing the main advantage to moving solely into the age pension side of things so in super in the accumulation stage at the moment, any income or capital gains that your super is making is actually being taxed at 15%. Neil, by you actually moving wholly into the pension phase, moving all your funds into there, there's no income or capital gains tax applicable to your funds.\n\nSo all of your money is sitting in that pension phase. It's still working and growing, producing income and growth, and it's not paying any income or CDT tax. So that phase is completely tax free as well as the the drawdowns being tax free for you. Does that make sense? Yeah.\n\nYeah. No. Not in pension phase. You're in the coolest phase of life. So, look, the first other recommendation that is that we do, we move you into the hub twenty four pension account.\n\nIt's a full account based pension there, and it's it's a very easy transfer. Everything is in specie transferred across. We just get you to sign the form, get your bank information, and we do all that process there for you. It's a straight transfer, and it happens very quickly for you. Okay?\n\nOnce we've done that, if you scroll further on down there for me to page number 19, you'll have the stage two. This is where we're gonna start by drawing a lump sum drawdown from your pension account of 87,000. So, essentially, with the statement you provided from the bank, you owe just over 86,000 on the mortgage there. I've just rounded it up to 87,000 just to make sure we're covering any differences. Because when you think about mortgages, interest is calculated daily and charged monthly.\n\nSo the payout figure they give you can change on a regular basis. So I just sort of when I looked at things, my let's just round it up to 87,000, a nice rounded figure there for you. It gives you a bit of a buffer in case there's some additional interest somewhere that they haven't accounted for. And then it also just gives you a small buffer, a a few x you know, a couple extra $100 just to sort of have sitting aside to go out and enjoy yourself or to put, you know, in a in an account somewhere. So I've just kind of rounded that figure up for you, but the reason we're moving into pension phase first is because, a, your income payments are drawn down completely tax free, but there's no income or CDT tax in pension phase.\n\nSo by moving into pension phase first and then drawing down from the pension of the 87,000, your fund will have no tax consequences for selling down the investments. Whereas if we held you in the accumulation phase first and then completed the sell down, your fund would have to account for capital gains tax at 10 to 15% and or income tax at 15% there as well. So it works out to your benefit to move in the pension phase and then complete that drawdown. Does that make sense? Yep.\n\nPerfect. That's okay. So that'll be drawn down to your bank account, and then you can move the funds across, and then you'll be able to pay out your mortgage there. These recommendations are in your best interest because it is a more tax effective way for you. As I mentioned, there's no income or CD tax in that pension phase, and it's very easy to have the lump sum drawn down nice and quickly for you as well.\n\nOkay? Excellent. If you go down to page number 23 for me, we have stage three for you. Now this is essentially what we wanna do with regard to an investment switch. So once we've completed that drawdown of the of the funds for you to pay out your mortgage, which will leave you both completely debt free, which is fantastic, we're gonna also do a bit of an investment switch here.\n\nEssentially, I had a really good look at your investments at the way you were invested. We did talk about just maybe reducing the risk level a little bit and making sure you're in that balanced kind of environment, which is generally where you see about 60% of your super invested in growth assets, things like Australian shares, international shares, listed property, commodities like gold and silver, and then just increasing some of those defensive lower risk investments like cash and bonds and fixed interest to make sure that you're taking less risk in the market. The idea and the goal here is to provide longevity out of your super to supplement the age pension eligibility and to make sure that you can, you know, suffice or live in the retirement years for the next sort of ten to twenty to thirty to forty years, and longevity becomes really important here. So taking less risk in the market and not seeing such drastic ups and downs in your super balance is where we kind of end up in this this stage of life. Does that make sense?\n\nYeah. It is. Yeah. It's a soup it's a super pension, essentially. So it's just the wording that they have in the template there.\n\nI do apologize that, but you'll be in the pension phase first. Sorry. Yeah. That's okay. Absolutely.\n\nAbsolutely. All good. So that's essentially underneath the outlining the best interest, Judy, the recommendations around the advantages, disadvantages, and the risk of that strategy there. If you scroll down a little bit further for me to page number 30, I'll show you what changes we're gonna make to the investments just so you can see all of that. Beautiful.\n\nBeautiful. So this is essentially the investments that you do have in there. So you've got well, what what we're going to do sorry. And the red is what gonna be selling off, and the green is what we're gonna be purchasing into. So we are gonna be selling down the battery and lithium tax, selling down the ban along Australian equities, which is the one that's been underperforming a little bit there as well.\n\nWe'll also be selling down the bank hybrids. They are actually being phased out as an investment in the future, so removing those whilst we are making changes of portfolio and distributing the funds now is a good idea. Best to do it now while we have the option to do it rather than down the track when we have no choice and have to do it quickly for you. So selling off all the bank hybrids there. Physical gold is a great investment.\n\nWe're just rebalancing it for you. So you are a bit you've got a 9% at the moment. We do wanna hold 10% of your total balance there. But when we look at the amount you hold now compared to what we need to have in your total balance, we just need to sell off a little bit of that as well. And we're also selling some of that down to withdraw the 87,000 for you.\n\nWith the core composite bonds, because we are getting rid of the bank hybrids, we wanna make sure and increase those defensive lower risk investments, and core composite bonds are essentially that. Bonds are more of an income producing lower risk investment. They do tend to get a lower rate of return, but they don't fluctuate. They don't go up and down as drastically like shares do. So we do wanna increase exposure into these lower risk investments like just like bonds.\n\nSo putting 25% of your funds into this sort of investment here. We are still holding the S and P 500, so exposure into The US is still really important. And you do wanna have some growth investments in your soup in your super in your pension anyway. Even when we are taking lower risk, having some growth investments is still really important for getting some good higher returns and providing longevity. So we are gonna keep the S and P 500, but we're just gonna sell some of it off and rebalance that reduce your risk in that and also selling some of that to be able to draw down the 87,000 for you as well.\n\nOkay? The beta shares Rafi 200, we're gonna sell that down completely, remove that out of the portfolio, and also removing all the infrastructure there as well. Where we are gonna see your funds invested, so, essentially, what you'll see once we've completed the rebalance and altered the investments, you'll still have about 10% physical gold. We'll have 25% in the core composite funds. We're gonna retain 22% of the s and p 500, so The US exposure.\n\nWe're also gonna have some cybersecurity, so some global cybersecurity, which is diversifying, giving you access to cybersecurity country across the globe, all over the world. We're also gonna keep some European exposure, and that's into all the European countries, not just one, two, or three. So, again, looking at diversification for lowering risk, but also looking for some growth in those areas. The Vanguard or WorldX US, that's essentially looking at investing across every country except for The US, and that's because we have the S and P 500 above there. And, again, it's diversification.\n\nSo one of the best best ways to mitigate long term market risk is to diversify. Make sure you're spreading your risk across lots of different countries, asset classes, across those growth and defensive assets there. So this Vanguard index fund is essentially looking to do that, and we'll hold about 6% of that for you as well. It's important to have some Australian exposure, and that's what the BetaShares Australian 200 is. That's essentially giving you exposure to the top 200 companies on the ASX.\n\nAnd one of the things I do like about these sorts of index investments is that they're tracking in indices. So one of the things that I like to make sure we're doing or is really good to do is that with the a 200 and even the S and P 500, you're tracking those indexes with the top 200 or the top 500 companies on The US and the Australian market there. In order for companies to be inside the indices that this investment is tracking, they have to meet a criteria. So say if a company on the ASX didn't meet the criteria to be in the a 200, it would be removed out of the industry and therefore removed out of the investment that you're invested in as well and replaced with something else that does meet that criteria. So you can rest assured that you are always invested in the top 200 companies with the a 200, and the same goes with the S and P 500.\n\nIt tracks the S and P 500 index. And, essentially, in order to be in that index, you have to meet a certain criteria. So companies that don't meet the criteria, whenever the investment committee for the indices meets, which at the moment is every quarter, companies are removed out of the index and therefore moved out of the S and P 500 investment as well. So it's good to know that companies that aren't performing that don't meet those criterias don't stay in those investments, and they're replaced with companies that do. So you are always tracking the top 500 companies on the a with the S and P 500.\n\nAnd with the a 200, you're always tracking the top 200 companies on the ASX as well. Does that make sense? Yeah. Beautiful. And then the last one at the bottom there is the beta shares high interest cash account.\n\nSo this is looking at fixed interest cash accounts, trying to get the best returns on the market for you. Essentially, again, it's important to have this as more of a defensive lower risk investment. High interest cash accounts, bonds, and fixed interest, they are lower risk. They do tend to get a lower rate of return, but when we are taking less risk in the market, it's, again, it's about longevity and income producing. One of the big important factors of this stage of your life there is that you're going into those retirement years, so we are drawing income out of your pension account.\n\nAnd because there's no tax consequences in this phase of life for you with regard to your pension account, we can then be making more in the way of income because there's no income tax to be made. And the income that's generated by the portfolio helps to draw down your regular pension payments for you so that you're hopefully taking less out of your capital. Does that make sense? Yeah. Do you have any questions so far either of you?\n\nAll good. All good. The next page just outlines the amount of cash that we do need to hold. So within hub twenty four, we do have to hold a minimum of 1.25% cash. This shows that at the moment, your cash holding is a little bit higher than that, so we will just invest a bit over a thousand dollars there to make sure your cash holding remains at 1.25%, keeping as much money as we can invested into those investments working harder for you.\n\nOkay? Perfect. So sorry. My throat's a little bit sore today, so I'm just having a quick drink. I apologize.\n\nAll good. You're right. Neil, did you wanna ask a question? Or No. All good.\n\nPerfect. So, essentially, where we are at the moment with the recommendations of stage one, two, and three, they will start by moving you into the pension phase, Then we'll draw down that 87,000 so you can pay off the mortgage, and then we're gonna do an investment switch there for you as well, which is also lowering your risk level and changing your investments so that things are working harder for you. Okay? On page number 35, you've got your fourth stage of the plan, and this is essentially where the draw downs and the age pension side of things comes into account. So you've sent your application off for the age pension, essentially.\n\nWe're just now waiting for that to be, essentially accepted and for that to go into play and for them to assess that. It can take up to thirteen weeks if everything is in line. If they don't require anything additional, I have seen it take a little bit longer essentially as well. So what I'm recommending with this stage is once we've done we've moved you into pension. We've drawn down the 87,000 for you.\n\nWe've done we're doing the investments which as well, but we're also gonna set up a regular pension payment for you. Now you guys filled out the budget plan, and thank you so much for doing that. I went back and entered all the information through and had a really good look. And in order for you to survive, you need to live on about $868 per week to cover all of your expenditure. And that's not including, Camilla, your income.\n\nSo I've separated your your income away from this. So your income provides just a buffer additional funds and a little bit extra for you guys as well as we discussed. Okay? So once we open the pension account, we'll set your pension up. And look, this won't happen in this order.\n\nWe'll essentially open the pension account up. We'll tell them how much to start drawing down, and these pension payments will start very quickly for you as well. We won't make you wait till after the draw downs or anything like that. It's just the way we've set it out in the plan to make it a bit clearer for you. Okay?\n\nAll good. So, essentially, to start with, we're gonna draw down the full $868 on a weekly basis or essentially per fortnight if you prefer. Fortnightly, it's $17.36 and 1¢ there. Essentially, that will give you the regular drawdown out of your pension account to cover all of your expenditure, and then it leaves your additional income there, Camilla, for additional expenditures, holidays, savings, whatever it is that you guys might wanna spend that money on for you. And Neil's pension payments paid down regularly will cover your base expenditure.\n\nOkay? We'll start these draw downs as soon as absolutely possible. We'll get your bank details and start them straight away for you. And then once your Centrelink has been assessed, we'll start to just pull them back a little bit. So I went back and I looked at how you had filled out the application form, and I had a look at the assessment.\n\nI did the math equation on both the income and the assets test for you. What I've essentially worked out is that you're actually probably gonna be assessed under the assets test that showed to provide a lower payment. So, essentially, they're gonna pick the one that gives you the lower the lower payment, which from my which from my calculations is the assets test. To kinda give you an idea on how we work this out and how the math equation works, and in the appendix which you'll have attached there, you can actually open that up and see. I've set it out bit by bit for you.\n\nBut how the income test and the asset test is essentially assessed, Income test first for you is that they take your your fortnightly income, Camilla. That is set to one five for the moment. They then look at your financial assets. The financial assets for yourselves are the shares that you do hold with AMP, the funds in your bank account there, and also your super. I've assessed your super balance after the 87,000 drawdown for you as well.\n\nSo it's actually gonna be a less of a super balance than what you've declared them currently. But they essentially look at this and these assets are deemed. So they're not gonna look and assess at the $800 that you're drawing down out of the pension account on a weekly basis. They're deeming a certain rate of return that your investments can receive. Because you're a couple, they deem the first 106,200 of your financial assets at a rate of 1.25%, and then everything over that is deemed at 3.25.\n\nSo I took your initial your balance after we take your current balance now, subtract out the 87,000. We end up with a balance owing of about 690,005 oh, sorry. No. $6.06 my apologies. I'm looking at the wrong page.\n\nWe have a balance of $6.06 $67.09 $9.07 after we take out the 87,000. So it's taking your current super balance, subtracting 87,000, and then adding that balance to your other financial assets, so your shares, your bank accounts. We ended up with 690,598 and 60¢. We then subtract off the deeming amount there, the 106,200. We apply the 1.25%, and then anything over that, which worked out to be a 584,398 is being the 3.25%.\n\nAnd that tells us how much income that Centrelink will assess you under the income test. We add that to, Camilla, your fortnightly income, convert it all to a fortnightly amount, and then subtract that from the the maximum you're able to earn, which is $380 on a fortnightly basis. And then we take the amount the amount over the $3.80. We take that away from the full pension payment of $905.20 per fortnight, and that essentially gives us the total amount that you're able to receive for the income test, which essentially is about a $187.93 per fortnight. So it gives you a part pension, and it's estimated that you'll be able to receive a $187.93 per fortnight from the age pension, which gives you access to the pension card and all the additional benefits with that.\n\nOkay? Yeah. It's a lot. I'm sorry. It is a lot.\n\nIt is a lot. We've stepped it out bit by bit for you there. In order to look at the assets test, essentially, they look at the total asset value, your super balance, the bank account balances, your shares. They also take into account the two vehicles and your contents there as well. Your income is not assessed under the assets test.\n\nThey essentially add all of that together, and then they subtract that away from the minimum threshold, which is currently 481,500. That gives them a total of how much is over the minimum threshold. Under the assets test, essentially, for every 1,000 over the minimum threshold, we lose about $78 per year, which is $3 per week. So we take that amount. We divide that by a thousand, then we multiply that by three, and that gives us how much you lose.\n\nWe subtract that from the total full pension amount, and that leaves you with how much you would be estimated to receive. Under the assets test, you were oh, sorry. Under the sorry. My computer just froze on me. Under the assets test, you were able to receive about a hunt $187.93.\n\nUnder the income test, you were actually eligible for about 329. So because the assets test provides you with a lower rate of pension payment, that's the one they're probably gonna go with. Okay? Beautiful. All good.\n\nIt's a lot. I know that, and I'm so sorry. Oh, that's okay. I try to sort of give you a bit of context on how we get to the figures that we do, but it is a lot to go through. It is not easy.\n\nAnd, look, I always kind of make sure I let you know that I do this manually. Centrelink don't do this manually. They input everything into a computer, and a computer tells them how to you know, what's gonna happen, which is kind of interesting because I did this in less than thirteen weeks. So you think a computer should be able to do their assessment less than thirteen weeks too. But but yeah.\n\nSo they assess you under both those tests. As I kinda mentioned, the asset test is the one that provides you with the lower payment, so that's the one they're going to probably assess you under. It's it's kind of interesting. You would think that they're gonna assess you under the income test because you're getting still income regularly, but it doesn't tend to work that way. I did look at, obviously, looking at maybe sheltering a bit more money and putting some more money, say, into your account, Camilla, or putting some money into other areas.\n\nI discounted that solely because to start with, this assessment is still giving you a part pension. So long as the the house is fully exempt, it's still giving you a part pension entitlement. And, Camilla, you're 60, so you've still got quite a bit of time ahead of you there. And your super is not assessable by Centrelink until you reach the age of 67. So depending on how things track down the down the road, we are going to have to down the track look at sheltering money in other ways.\n\nAnd there are ways of sheltering, but sheltering now means we are locking the funds away. So if we were to move the funds from Neil's super into yours because you're still working, there are limitations around accessibility. So we'd be locking it away till you turn 65 unless you were to stop working. If we were to look at things like funeral bonds or annuities, which also are great for Centrelink sheltering, we would be locking the funds away. So we're better off to do that down the track when we are assessing you both as a unit and when your super then becomes accessible to, you know, look at how to maximize things down the track for you.\n\nAnd for now, just starting off simple, moving into pension, paying down the mortgage, getting a part pension to start with, and then just making sure that you're you're covering your weekly expenditure. You've got your income as a separate amount for the buffer, but also making sure that if you need large sums of money, you know, we still have bills coming in. There's still rates to pay. You might want holidays or might wanna buy a new car or something down the track. That keeping Neil's Neil's super working allows you guys to draw down, you know, additional lump sums if you need them as well, whereas moving that money back reduces how much is in his pension working harder.\n\nAnd that also then means that if you take lump sums down the track, it provides more of a disadvantage. We're taking more chunks out of the super, which reduces longevity of it. So I wanted to just look at getting a part pension now, give you guys the access to the pension, but also making sure that that you have access to additional funds when you need them because things can come up, life can change, and Neil's sleep is where you'll be able to take that money from. So, yep, that's okay. So with this to start with, we'll be drawing out the $6.86 on a weekly basis there or the 7 $17.36 per fortnight.\n\nIt's completely up to you how you want it weekly or fortnightly. We can work it either way within the pension fund for you. Once the Centrelink assessment comes through, essentially, we wanna just reduce that back a little bit. So by being under the assets test and getting the $1.87 93 per fortnight from Centrelink, we can then reduce your pension payments out of your pension account to $7.74 and 4¢. That still gives you the fortnightly income amount of the $17.36.\n\nIt just means you draw a little bit less out of super, which provides a bit more longevity to your super there. Okay? Beautiful. This is a lot, and I understand that. Do you guys have any questions for me at the moment?\n\nDid you wanna break me to break anything more down for you? Yeah. That's all good. As I said, after this, you'll take you can take some time to read through the advice document, read through the appendices, come back, and let me know if you do have any questions. I've outlined all the math for you, laid it down, added all the research information for you, and just let me know if there are any additional questions or if there's anything that you do wanna look at changing.\n\nIf it comes back in Centrelink assessing slightly differently, that's absolutely okay. We can adjust the pension payments to, you know, coordinate, and we can also if they come back and jump up and down about the main primary residence exemption, then we can always look at sheltering money or look at altering the plan. So moving forward with this advice does not in any way, shape, or form restrict us from to making change to that at any point in time. The advice is very liquid. It can be altered and changed as we need to.\n\nOkay? Perfect. Excellent. That's essentially the bulk of the advice for you. I won't go through too many more numbers.\n\nYou probably both it's still early there. You're probably both hanging out for a a coffee. And then and then I'll try numbers at you both. The other thing we do wanna look at is the the beneficiary side of things. So, Neil, because we are opening up a pension account for you, you have your beneficiary nomination, your super.\n\nWe need to make sure one is applied to the pension account as well. I'm recommending that we actually apply a reversionary beneficiary for you. So it's a bit different to the way a normal beneficiary works. Normally, you have what's called a binding lapsing or a binding non lapsing beneficiary. That essentially, in the event of you passing, means that your spouse needs to go through a claim.\n\nIn pension phase, we get access to some cooler beneficiary nominations. Sorry. I'm definitely an adviser. I do apologize. It's cool to me.\n\nWith a reversionary beneficiary, they're only available in pension account, and it can only be paid to your spouse. And it means that if anything happens, once you're in pension phase with your pension being paid down, if you were to pass away, your pension payments would continue to be paid to Camilla with no stopping. Under a normal, beneficiary nomination, whether it be binding or nonbinding, the pension payments after your passing would essentially stop, and, Camilla, you would have to claim on the on the super or the pension account and have that transferred into your name. With a yeah. With a reversionary beneficiary, if you're getting that $868 or the $7.74 on a regular weekly basis and Neil was to pass away, those pension payments just continue.\n\nThey're still doing all the claiming the back end, but it means that you don't miss out on those additional funds, which because you still have, you know, your expenditure, you've got life and fuel and groceries and everything else that goes into that. Just because one person passes away, doesn't mean your bills stop at the same time. So it does allow you to continue to receive that, pension payment on a regular basis. It doesn't stop in any way, and they still just go through the claims process in the background whilst they transfer everything into your name. So it's a really cool way of just making sure that everything is, you know, dotted, that you're still able to access those funds when needed, and making sure that you're supported even through the time.\n\nAnd sometimes it's the most expensive time I do know going through. I mean, I'm 41 now, so, unfortunately, I'm at the point where a lot of people I've known for years and years are at that passing stage and, unfortunately, going to a lot of funerals at the moment. So, you know, it is it is something you think about. And families actually find it's a lot more expensive at the time people are coming in. You've got expenditure.\n\nYou might be taking time off work, and you're buying food and paying for everything for the funeral and things like that. So it can be more of an expensive time frame. So continuing those pension payments there just protects you and looks after you whilst you're going through that time. In saying that, Neil, I hope nothing happens. I'm touching all the wood possible.\n\nI want you to live and enjoy the next thirty to forty years of your retirement. Okay? Beautiful. Beautiful. But, look, that's essentially all the stages of the advice there.\n\nI the only other thing I need to point out to you, Neil, is that you do pay an ongoing service fee for having us as your advisers. You pay 1.65% per annum. That is capped at balance of those 600,000. So it's capped at 9,900. We don't charge 1.65% of anything over above that 600,000 balance, so it is capped for you.\n\nCamilla, down the track, if you decide you want me to look at your super, look at doing joint advice and, you know, helping you along, we absolutely can do so. If you decide to come on as a client, we do reduce Neil's fee to 1.1% ongoing, and yours is also of that reflection. We join couples together and have a coupling fee. There is an implementation fee for doing that, but we can kinda go through that in a bit more detail when and if you're ready to do so. I don't want ever want anyone to feel pushed or rushed into things.\n\nAdvice is a personal decision. So Yeah. Absolutely. Absolutely. Perfect.\n\nI definitely agree with that. That's absolutely fine. And I'm here to always have a conversation with you If you wanna start by just talking to me about what you're after, what you want, and we can have a general conversation, then we can kinda go from there. But, yeah, when you're ready, you let me know. I'll make time to have a chat.\n\nAs I said, I love this. I'm probably the happiest person on the planet talk about beneficiary nominations and super and pension and do math equations. So more than happy to help you whenever you need, but I really enjoyed putting this advice together. I do apologize that I had to push it back a week to make sure the research was done correctly. But oh, it's all good.\n\nBut, no, thank you for getting everything correlated. You did amazing in amongst going to jury duty. I tell you what. Yeah. Yeah.\n\nWow. It is. Yeah. Yep. Yeah.\n\nSo on the very last page of that email, you'll have a little sign box. Neil just needs to click and sign that, return it back to us. I'll then get the admin team to give him a call, get his bank information, and we'll go forward and start opening the account and getting it all sorted. One of the things I did wanna sort of point out as well is when I've done the calculations, you'll notice in the appendices, I've used different figures to what you've actually got there. So it's about once we get the pension account opened, we get the drawdown done, your balance in Super will also be different.\n\nSo it's about updating Centrelink with the the Super balance after you've drawn that 87,000 out. We will need to make sure the shares are noted there as well. But just making sure the figures are essentially in line with what we have here to get the assessment. Because at the moment, your super balance is higher than what we have noted, so the assessment could be quite different to start with. But once we start things once I've assessed everything, we can go back and make alterations to everything.\n\nBut, yeah, making sure that we update them with your super balance to show that the assessment is correct, the shares get added there for you, and we'll make sure that drawdown for the 87,000 happens nice and quickly because that shelters that money fast. And they're gonna wanna see if your super balance has dropped where the money's gone to and why it's come out, and you paid off your mortgage. So you they'll ask the bank statements to show where that transaction has gone to. Okay? Yeah.\n\nOkay. Yep. That's correct. That is that's you accepting all of the recommendations. If you decide there's something you wanna alter or change, there is a text box for you to write in.\n\nBut, yeah, if you're happy to to sign on the bottom line, accept all the recommendations, and have it all put into place, we'll just get you to sign, date, return it back to me. And I've attached all those documents to the email as an attachment so you can save them down, and you can also look at them again a bit later. It's got the statement of advice for you, the appendices, the financial services guide for us for your reference as well, and any PDF documents for hub twenty four on their pension accounts for you as well. Okay? Excellent.\n\nThat's okay. Do either of you have any questions at the moment? Absolutely. Perfect. Beautiful.\n\nThank you so much for your time today. I'll let you both go to have a nice morning coffee. Thank you for taking my call. I'm sorry. It's so early.\n\nOkay. My pleasure. It's been a oh, not a problem, Neil. Are you going golfing today? Oh, no.\n\nOh, no. Well, hopefully, next time you have a better one. Yeah. Oh, are you? Yeah.\n\nWow. Yeah. Oh, all good. Well, thank you so much for your time. I'll let you both go.\n\nLet me know if there's any additional questions or concerns that you have. But, yeah, take your time to have a good read through that. Okay? My pleasure. Thank you so much.\n\nSee you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Neil.","start":1.76,"end":2.24,"sentiment":"neutral","sentiment_score":0.07458410784602165},{"text":"It's Dana from Oakview Financial.","start":2.24,"end":3.9399998,"sentiment":"neutral","sentiment_score":0.12088576108217239},{"text":"How are you this morning?","start":4.0,"end":5.22,"sentiment":"neutral","sentiment_score":0.15190335512161254},{"text":"I'm very well.","start":7.52,"end":8.4,"sentiment":"positive","sentiment_score":0.5411209464073181},{"text":"Thank you.","start":8.4,"end":8.96,"sentiment":"positive","sentiment_score":0.7142592370510101}],"sentiment":"neutral","sentiment_score":0.26852912411970253,"num_words":17,"start":1.76,"end":8.96},{"sentences":[{"text":"I have your updated statement of advice to run through with you this morning.","start":8.96,"end":12.4,"sentiment":"positive","sentiment_score":0.3998186545712607},{"text":"Is now still a good time there for you?","start":12.4,"end":14.5,"sentiment":"neutral","sentiment_score":0.3063049614429474},{"text":"Fantastic.","start":16.365,"end":16.865,"sentiment":"positive","sentiment_score":0.5893893837928772},{"text":"All good.","start":18.605,"end":19.165,"sentiment":"positive","sentiment_score":0.5572351515293121},{"text":"I'm just gonna email this one through to you.","start":19.165,"end":21.325,"sentiment":"neutral","sentiment_score":0.32170697881115806}],"sentiment":"positive","sentiment_score":0.3700979518038886,"num_words":35,"start":8.96,"end":21.325},{"sentences":[{"text":"So if you're able to open up your emails there and open up the document, we'll we'll be able to go through that together, and then you'd be able to take it back and have a bit of a read through it as well.","start":21.325,"end":30.400002,"sentiment":"neutral","sentiment_score":0.27144805816086853},{"text":"Okay?","start":30.54,"end":31.04,"sentiment":"neutral","sentiment_score":0.18479645252227783},{"text":"It should be on its way to you there.","start":33.1,"end":34.78,"sentiment":"neutral","sentiment_score":0.2967417852746116},{"text":"Now just before we jump into the call, Neil, I do need to let you know we do record our calls for quality and training purposes.","start":34.78,"end":39.9,"sentiment":"neutral","sentiment_score":0.051489558070898056},{"text":"Are you happy for me to proceed with that?","start":39.9,"end":42.08,"sentiment":"neutral","sentiment_score":0.11557585166560279}],"sentiment":"neutral","sentiment_score":0.19301233993152553,"num_words":89,"start":21.325,"end":42.08},{"sentences":[{"text":"Fantastic.","start":43.385002,"end":43.885002,"sentiment":"positive","sentiment_score":0.41235190629959106},{"text":"And, also, just to do security today with you, just to confirm your full name, your address, and date of birth I should have on file.","start":44.505,"end":50.445,"sentiment":"neutral","sentiment_score":0.142271415831951},{"text":"Beautiful.","start":59.0,"end":59.5,"sentiment":"positive","sentiment_score":0.37800082564353943},{"text":"Thank you so much for that.","start":59.56,"end":61.0,"sentiment":"positive","sentiment_score":0.4832462668418884},{"text":"And how's your week been so far?","start":61.0,"end":63.02,"sentiment":"neutral","sentiment_score":0.15568492987326213}],"sentiment":"neutral","sentiment_score":0.2067971135058054,"num_words":41,"start":43.385002,"end":63.02},{"sentences":[{"text":"That's good.","start":65.08,"end":65.72,"sentiment":"neutral","sentiment_score":0.051085215061903},{"text":"That's good.","start":65.72,"end":66.36,"sentiment":"neutral","sentiment_score":0.2032516747713089},{"text":"And, Camilla, are you on the line as well?","start":66.36,"end":68.36,"sentiment":"neutral","sentiment_score":0.043677920682562724},{"text":"How are you?","start":68.36,"end":69.18,"sentiment":"neutral","sentiment_score":0.04733355094989141},{"text":"Oh, that that's good.","start":71.915,"end":73.515,"sentiment":"neutral","sentiment_score":0.11946796998381615}],"sentiment":"neutral","sentiment_score":0.07608237992972136,"num_words":20,"start":65.08,"end":73.515},{"sentences":[{"text":"How was jury duty?","start":73.515,"end":75.055,"sentiment":"neutral","sentiment_score":0.004682228434830904},{"text":"A lot?","start":78.395004,"end":78.975,"sentiment":"neutral","sentiment_score":-0.14158053323626518},{"text":"Oh, really?","start":81.93,"end":83.95,"sentiment":"neutral","sentiment_score":-0.12175372987985611},{"text":"Yeah.","start":89.53,"end":90.03,"sentiment":"neutral","sentiment_score":-0.15043127536773682},{"text":"Oh, wow.","start":119.174995,"end":120.155,"sentiment":"neutral","sentiment_score":-0.18396331369876862}],"sentiment":"neutral","sentiment_score":-0.09329977411438119,"num_words":11,"start":73.515,"end":120.155},{"sentences":[{"text":"Oh.","start":131.59001,"end":132.09001,"sentiment":"neutral","sentiment_score":-0.06668220460414886},{"text":"Yeah.","start":138.55,"end":139.05,"sentiment":"neutral","sentiment_score":-0.2894749641418457},{"text":"Absolutely.","start":141.51001,"end":142.01001,"sentiment":"neutral","sentiment_score":-0.06473857909440994},{"text":"Wow.","start":143.27,"end":143.77,"sentiment":"neutral","sentiment_score":-0.15579108893871307},{"text":"Yeah.","start":147.475,"end":147.975,"sentiment":"neutral","sentiment_score":-0.03923465311527252}],"sentiment":"neutral","sentiment_score":-0.12318429797887802,"num_words":5,"start":131.59001,"end":147.975},{"sentences":[{"text":"Absolutely.","start":148.115,"end":148.615,"sentiment":"neutral","sentiment_score":0.10156230628490448},{"text":"Wow.","start":149.315,"end":149.815,"sentiment":"neutral","sentiment_score":0.05409364774823189},{"text":"I I've never really met anyone that's had to go to jury or being called for jury duty before.","start":149.875,"end":155.01501,"sentiment":"neutral","sentiment_score":-0.05488461452095132},{"text":"So, wow, that's definitely an interesting one.","start":155.07501,"end":157.955,"sentiment":"neutral","sentiment_score":0.19868164083787374},{"text":"But, yeah, I'm glad you yeah.","start":157.955,"end":159.475,"sentiment":"positive","sentiment_score":0.449096458653609}],"sentiment":"neutral","sentiment_score":0.09406466223299503,"num_words":34,"start":148.115,"end":159.475},{"sentences":[{"text":"You know, it worked out well for yourself.","start":159.475,"end":161.42,"sentiment":"positive","sentiment_score":0.6248755194246769},{"text":"You didn't have to sit there and go through a long arduous case.","start":161.42,"end":164.72,"sentiment":"neutral","sentiment_score":0.010984562910520114},{"text":"Yeah.","start":164.94,"end":165.44,"sentiment":"neutral","sentiment_score":0.10125144571065904},{"text":"Oh, wow.","start":167.34,"end":168.0,"sentiment":"neutral","sentiment_score":0.12439572811126709},{"text":"Wow.","start":168.06,"end":168.56,"sentiment":"neutral","sentiment_score":0.203530877828598}],"sentiment":"neutral","sentiment_score":0.22781509011983872,"num_words":25,"start":159.475,"end":168.56},{"sentences":[{"text":"And how's sorry.","start":169.66,"end":171.1,"sentiment":"neutral","sentiment_score":0.03969745431095362},{"text":"You're right.","start":171.1,"end":171.76,"sentiment":"neutral","sentiment_score":0.02401067316532135},{"text":"All good.","start":173.755,"end":174.495,"sentiment":"neutral","sentiment_score":0.1696041375398636},{"text":"Has that email popped through to you guys at the moment yet?","start":174.555,"end":177.675,"sentiment":"neutral","sentiment_score":0.03603882109746337},{"text":"Yeah.","start":177.675,"end":178.155,"sentiment":"neutral","sentiment_score":0.04620358347892761}],"sentiment":"neutral","sentiment_score":0.04924957104958594,"num_words":20,"start":169.66,"end":178.155},{"sentences":[{"text":"Yeah.","start":178.155,"end":178.655,"sentiment":"neutral","sentiment_score":0.10404852032661438},{"text":"Fantastic.","start":179.355,"end":179.855,"sentiment":"positive","sentiment_score":0.5217812061309814},{"text":"And you I know you guys submitted your Centrelink application last week or the week before there.","start":180.315,"end":186.175,"sentiment":"neutral","sentiment_score":0.17884355389020024},{"text":"How is that going?","start":186.83,"end":187.79001,"sentiment":"neutral","sentiment_score":0.1742359660565853},{"text":"Have they come back asking for anything additional, or are they still just processing everything?","start":187.79001,"end":192.67,"sentiment":"neutral","sentiment_score":0.018258895104130108}],"sentiment":"neutral","sentiment_score":0.12202624824682348,"num_words":38,"start":178.155,"end":192.67},{"sentences":[{"text":"You're still just waiting?","start":192.67,"end":193.73001,"sentiment":"neutral","sentiment_score":-0.03862967621535063},{"text":"Yes.","start":195.79001,"end":196.29001,"sentiment":"neutral","sentiment_score":0.016424868255853653},{"text":"Yeah.","start":200.205,"end":200.705,"sentiment":"neutral","sentiment_score":0.01532642263919115},{"text":"Yeah.","start":203.005,"end":203.505,"sentiment":"neutral","sentiment_score":0.02605670690536499},{"text":"No.","start":205.725,"end":206.045,"sentiment":"neutral","sentiment_score":-0.08557036519050598}],"sentiment":"neutral","sentiment_score":-0.022785134031437337,"num_words":8,"start":192.67,"end":206.045},{"sentences":[{"text":"That's okay.","start":206.045,"end":206.765,"sentiment":"neutral","sentiment_score":-0.06886932626366615},{"text":"It can take upwards of thirteen weeks if if they are doing things in a timely manner, but it can also take a little bit longer there.","start":206.765,"end":214.3,"sentiment":"neutral","sentiment_score":-0.06871141589902065},{"text":"So if anything does come back different, let me know.","start":214.84,"end":217.5,"sentiment":"neutral","sentiment_score":-0.06133610494434834},{"text":"As with this advice document, I've gone back and calculated the income and assets test that I'm able to do so and looked at how the property should be assessed for you and worked out the entitlement based on where you are currently at, and then looked at any additional alternatives and what else we can do there.","start":217.72,"end":234.465,"sentiment":"neutral","sentiment_score":0.056295068806101536},{"text":"So I'll go through what I'm recommending for you now.","start":234.465,"end":237.285,"sentiment":"neutral","sentiment_score":0.123612529784441}],"sentiment":"neutral","sentiment_score":0.017709638853775005,"num_words":107,"start":206.045,"end":237.285},{"sentences":[{"text":"I'll let you know sort of what we have the advantages, disadvantages, alternatives, risks involved, things like that.","start":237.825,"end":243.42,"sentiment":"neutral","sentiment_score":0.06011553346696827},{"text":"I'll go through just a couple of the pages, sort of direct you through.","start":243.88,"end":247.24,"sentiment":"neutral","sentiment_score":0.08992847653904132},{"text":"And then once I've gone through the sections that I need to, I'll let you guys go back and read through the rest of the document properly.","start":247.24,"end":253.5,"sentiment":"neutral","sentiment_score":0.12264383805018884},{"text":"I've also got the appendices attached there, which outlines all the research conducted.","start":253.8,"end":258.495,"sentiment":"neutral","sentiment_score":0.11787990251412758},{"text":"I've also got the math equation, noting down how I've come through to the assets and income testing for you and come to the numbers that I've got there.","start":258.495,"end":266.835,"sentiment":"neutral","sentiment_score":0.10076424158338843}],"sentiment":"neutral","sentiment_score":0.10006993702880226,"num_words":101,"start":237.825,"end":266.835},{"sentences":[{"text":"If Centrelink does come back because there is always a there can be a discrepancy.","start":267.29498,"end":271.63498,"sentiment":"neutral","sentiment_score":-0.13432524253924688},{"text":"So because I do all the math manually, they have a computer that does it.","start":271.935,"end":276.24,"sentiment":"neutral","sentiment_score":-0.13721721470355988},{"text":"If Centrelink come back and note that there's a different assessment to what I've been able to work out, you guys just come and let me know.","start":276.24,"end":282.72,"sentiment":"neutral","sentiment_score":-0.011364140375344842},{"text":"We can alter the advice to reflect and make some changes where we need to.","start":282.72,"end":286.72,"sentiment":"neutral","sentiment_score":0.07921881973743439},{"text":"Okay?","start":286.72,"end":287.22,"sentiment":"neutral","sentiment_score":0.07081609964370728}],"sentiment":"neutral","sentiment_score":-0.042751647302345056,"num_words":73,"start":267.29498,"end":287.22},{"sentences":[{"text":"All good.","start":289.07498,"end":289.895,"sentiment":"positive","sentiment_score":0.5735420882701874},{"text":"So when you've got that one open there, Neil, you'll note on the front page, it has your beautiful name there, so prepared for yourself.","start":290.195,"end":296.29498,"sentiment":"positive","sentiment_score":0.3692186987400055},{"text":"We did complete the document as of the May 25 and had it all ready to go for you.","start":296.595,"end":301.2,"sentiment":"positive","sentiment_score":0.4082833010899393},{"text":"And on the bottom there for you both, it has my registration license information for you.","start":301.28,"end":306.08002,"sentiment":"neutral","sentiment_score":0.14099506195634604},{"text":"Okay?","start":306.08002,"end":306.58002,"sentiment":"neutral","sentiment_score":0.07380886375904083}],"sentiment":"neutral","sentiment_score":0.32483594001285615,"num_words":63,"start":289.07498,"end":306.58002},{"sentences":[{"text":"Yeah.","start":307.6,"end":308.1,"sentiment":"neutral","sentiment_score":0.04687877371907234},{"text":"Yeah.","start":309.44,"end":309.94,"sentiment":"neutral","sentiment_score":0.08894960582256317},{"text":"That's the one.","start":310.0,"end":310.88,"sentiment":"neutral","sentiment_score":0.11522745589415233},{"text":"Yeah.","start":310.88,"end":311.2,"sentiment":"neutral","sentiment_score":0.0895172506570816},{"text":"Sorry.","start":311.2,"end":311.7,"sentiment":"neutral","sentiment_score":0.12314633280038834}],"sentiment":"neutral","sentiment_score":0.0991677615259375,"num_words":7,"start":307.6,"end":311.7},{"sentences":[{"text":"You're right.","start":317.17502,"end":317.815,"sentiment":"neutral","sentiment_score":0.32133710384368896},{"text":"All good.","start":317.815,"end":318.375,"sentiment":"positive","sentiment_score":0.5115357637405396},{"text":"All good.","start":318.375,"end":319.015,"sentiment":"positive","sentiment_score":0.4817880690097809},{"text":"Now it should be letting you go up and down through that document.","start":319.015,"end":322.295,"sentiment":"neutral","sentiment_score":0.27731455174776226},{"text":"Is that working for you okay?","start":322.295,"end":324.05502,"sentiment":"neutral","sentiment_score":0.16262181848287582}],"sentiment":"neutral","sentiment_score":0.28840567827224733,"num_words":25,"start":317.17502,"end":324.05502},{"sentences":[{"text":"Yep.","start":324.05502,"end":324.535,"sentiment":"neutral","sentiment_score":0.1261032223701477},{"text":"Beautiful.","start":324.535,"end":325.035,"sentiment":"positive","sentiment_score":0.6972464323043823},{"text":"Excellent.","start":325.83,"end":326.33,"sentiment":"positive","sentiment_score":0.6721737384796143},{"text":"On the front there for your reference, my license number registered with ASIC is 1304394.","start":326.94998,"end":332.97,"sentiment":"neutral","sentiment_score":0.23470110495885213},{"text":"And on the next page, it does outline the best interest duty.","start":333.35,"end":336.22998,"sentiment":"neutral","sentiment_score":0.16058844390014806}],"sentiment":"neutral","sentiment_score":0.2314367098112901,"num_words":30,"start":324.05502,"end":336.22998},{"sentences":[{"text":"So as advisers, we have a fiduciary duty to make sure our advice is appropriate to you is there to help you meet your goals, but also under best interest.","start":336.22998,"end":344.17502,"sentiment":"neutral","sentiment_score":0.2623757302761078},{"text":"If there's a point where we're not meeting your goals, it's also within our fiduciary duty to make sure we disclose that to you.","start":344.17502,"end":351.215,"sentiment":"neutral","sentiment_score":0.004093179324020942},{"text":"Okay?","start":351.215,"end":351.715,"sentiment":"neutral","sentiment_score":0.0409131795167923},{"text":"To make things a little bit easier, as you are sort of scrolling through the first few pages there, sort of pages three onwards, it notes the areas that we are scoping in and scoping out with regards to the advice there.","start":353.88,"end":365.175,"sentiment":"neutral","sentiment_score":0.17142456042624654},{"text":"So we're looking at superannuation, Centrelink assessment, retirement income needs, the estate planning side of things because we are looking at your retirement accounts now as well, and then also withdrawing some funds to pay off the debt, your home loan as well.","start":365.175,"end":379.755,"sentiment":"neutral","sentiment_score":0.13949497252009635}],"sentiment":"neutral","sentiment_score":0.15148954819887878,"num_words":140,"start":336.22998,"end":379.755},{"sentences":[{"text":"Okay?","start":379.895,"end":380.395,"sentiment":"neutral","sentiment_score":0.06589075177907944},{"text":"We're not looking at anything with regard to personal insurances, and I've actually scoped out the AMP shares there.","start":382.11002,"end":388.59,"sentiment":"neutral","sentiment_score":0.046848564555770474},{"text":"So the state that you sent me was good.","start":388.59,"end":390.85,"sentiment":"positive","sentiment_score":0.5130039619074928},{"text":"It does note that you do have the shares there, but it doesn't kinda give me any cost base.","start":391.31,"end":395.63,"sentiment":"neutral","sentiment_score":0.10221944318005913},{"text":"So I've scoped that out of the advice for now.","start":395.63,"end":398.325,"sentiment":"neutral","sentiment_score":0.07600670494139194}],"sentiment":"neutral","sentiment_score":0.14267733802312407,"num_words":58,"start":379.895,"end":398.325},{"sentences":[{"text":"What I'll get you to do is if you want me to look at maybe whether you sell or keep those shares, I can look at that a little bit down the track, but I'll need to find out what the original cost base does.","start":398.465,"end":408.865,"sentiment":"neutral","sentiment_score":0.06619553830888536},{"text":"So when you originally purchased those shares or when they were provided to you, what was the purchase price that you paid for them or the capital you put into it so I can work out the tax consequences?","start":408.865,"end":419.77002,"sentiment":"neutral","sentiment_score":-0.03890500155587991},{"text":"They were just given to you?","start":419.99,"end":421.53,"sentiment":"neutral","sentiment_score":-0.03910117161770662},{"text":"Yeah.","start":421.67,"end":422.17,"sentiment":"neutral","sentiment_score":0.01693563163280487},{"text":"Yep.","start":422.89502,"end":423.215,"sentiment":"neutral","sentiment_score":0.06980973482131958}],"sentiment":"neutral","sentiment_score":0.014278722825743582,"num_words":92,"start":398.465,"end":423.215},{"sentences":[{"text":"That's okay.","start":423.215,"end":424.035,"sentiment":"neutral","sentiment_score":0.15829017758369446},{"text":"Yep.","start":428.495,"end":428.995,"sentiment":"neutral","sentiment_score":0.013204464688897131},{"text":"Yep.","start":434.415,"end":434.915,"sentiment":"neutral","sentiment_score":0.001999313710257411},{"text":"Okay.","start":441.04,"end":441.54,"sentiment":"neutral","sentiment_score":0.003914492204785347},{"text":"No.","start":441.6,"end":441.91998,"sentiment":"neutral","sentiment_score":-0.04633653163909912}],"sentiment":"neutral","sentiment_score":0.048227015688704945,"num_words":6,"start":423.215,"end":441.91998},{"sentences":[{"text":"That's okay.","start":441.91998,"end":442.63998,"sentiment":"neutral","sentiment_score":0.002683260943740607},{"text":"Do you happen to have any of the documents anywhere when they were originally gifted or provided to you guys with the information?","start":442.63998,"end":448.97998,"sentiment":"neutral","sentiment_score":-0.022985576125590698},{"text":"Just because I do need to be able to work out essentially what the cost base might be if there is a cost base, what they've said the initial buy price would look like, and work out the CGT consequences for you guys if you were to sell them.","start":449.04,"end":464.555,"sentiment":"neutral","sentiment_score":-0.09554542836790182},{"text":"No.","start":467.79,"end":468.11002,"sentiment":"neutral","sentiment_score":-0.25975102186203003},{"text":"That's okay.","start":468.11002,"end":469.01,"sentiment":"neutral","sentiment_score":-0.09641316533088684}],"sentiment":"neutral","sentiment_score":-0.07347539053963763,"num_words":77,"start":441.91998,"end":469.01},{"sentences":[{"text":"That's okay.","start":469.23,"end":470.05002,"sentiment":"neutral","sentiment_score":0.12895886600017548},{"text":"Okay.","start":476.27002,"end":476.77002,"sentiment":"neutral","sentiment_score":-0.02200653590261936},{"text":"Yep.","start":481.405,"end":481.905,"sentiment":"neutral","sentiment_score":-0.04729028791189194},{"text":"No.","start":483.645,"end":484.125,"sentiment":"neutral","sentiment_score":-0.19820043444633484},{"text":"That's okay.","start":484.125,"end":484.845,"sentiment":"neutral","sentiment_score":0.004522526636719704}],"sentiment":"neutral","sentiment_score":-0.00007635328386511122,"num_words":7,"start":469.23,"end":484.845},{"sentences":[{"text":"That's not a problem at all.","start":484.845,"end":486.125,"sentiment":"neutral","sentiment_score":0.3273703505595525},{"text":"We can always sort of revisit that down the track.","start":486.125,"end":488.785,"sentiment":"neutral","sentiment_score":0.2965052217245102},{"text":"One of the big things is because, Neil, you have technically worked for some of this financial year, I would be suggesting we just hold off on the AMP shares for now.","start":488.845,"end":497.36002,"sentiment":"neutral","sentiment_score":0.0022229867754504085},{"text":"I did work out the value essentially with the current share price of those shares and the amount you do hold.","start":497.66,"end":503.76,"sentiment":"neutral","sentiment_score":0.2326486525791032},{"text":"The value is approximately about $2,600 worth.","start":504.025,"end":507.94498,"sentiment":"neutral","sentiment_score":0.22808403415339334}],"sentiment":"neutral","sentiment_score":0.1510871031664704,"num_words":76,"start":484.845,"end":507.94498},{"sentences":[{"text":"So it's not a huge asset to hold.","start":507.94498,"end":510.525,"sentiment":"neutral","sentiment_score":0.003669652156531809},{"text":"It is something that does need to be disclosed to Centrelink as to the application, and it looks like on the application, they haven't been disclosed.","start":511.065,"end":517.645,"sentiment":"neutral","sentiment_score":0.07258634154613201},{"text":"So it is something to definitely make sure that we do add into the Centrelink update there.","start":517.785,"end":523.72003,"sentiment":"neutral","sentiment_score":0.30405838173978467},{"text":"But for the time being, holding them is not a problem.","start":524.26,"end":527.08,"sentiment":"neutral","sentiment_score":0.2404905679551038},{"text":"We can maybe come back down the track and reassess those shares and work out, you know, if selling them is a good idea or keeping them.","start":527.38,"end":533.715,"sentiment":"positive","sentiment_score":0.36487297382619643}],"sentiment":"neutral","sentiment_score":0.2200287767173199,"num_words":89,"start":507.94498,"end":533.715},{"sentences":[{"text":"Normally, when we talk about selling investments and shares and things like that, because there are CGT of tax consequences for selling an investment, we normally sort of say, hold off until you have to sell them.","start":534.11505,"end":545.255,"sentiment":"neutral","sentiment_score":-0.015874266624450684},{"text":"If there's no need to sell them now, if you don't need the money desperately, then there's no point in creating a CDT event.","start":545.55505,"end":551.99,"sentiment":"neutral","sentiment_score":-0.03802874800749123},{"text":"You may as well just hold on to them.","start":551.99,"end":554.00995,"sentiment":"neutral","sentiment_score":0.09103011008765963},{"text":"But, also, Neil, once you are officially, you know, not or haven't worked for twelve months, realistically, you won't have any actual income or you should be under the tax rate threshold.","start":554.47,"end":564.435,"sentiment":"neutral","sentiment_score":0.0695573469856754},{"text":"So selling them when you kind of hit that point could come at more of an advantage for you as well.","start":564.495,"end":570.65497,"sentiment":"positive","sentiment_score":0.5685202848343622}],"sentiment":"neutral","sentiment_score":0.10962596958185114,"num_words":123,"start":534.11505,"end":570.65497},{"sentences":[{"text":"That way, the money you sell them for, you get to keep for yourselves instead of having to pay tax on those.","start":570.65497,"end":576.815,"sentiment":"positive","sentiment_score":0.4760599867864089},{"text":"So we'll hold off for now.","start":576.815,"end":578.72003,"sentiment":"neutral","sentiment_score":0.07008234784007072},{"text":"If I if we can get you to gather a bit more detail down the track for me, I can have more of a look at those for you, and then we might sort of revisit that in the new financial year when we, you know, when you haven't worked for twelve months, then you're hopefully under that tax free threshold with income side of things.","start":578.86,"end":594.40497,"sentiment":"neutral","sentiment_score":0.04950610592001767},{"text":"Does that make sense?","start":594.40497,"end":595.545,"sentiment":"neutral","sentiment_score":0.03783375583589077},{"text":"Yep.","start":596.96497,"end":597.285,"sentiment":"neutral","sentiment_score":0.20042340457439425}],"sentiment":"neutral","sentiment_score":0.1465957092422277,"num_words":99,"start":570.65497,"end":597.285},{"sentences":[{"text":"Beautiful.","start":597.285,"end":597.785,"sentiment":"positive","sentiment_score":0.6460627317428589},{"text":"All good.","start":598.08496,"end":598.825,"sentiment":"positive","sentiment_score":0.6293671429157257},{"text":"So we're holding off on those shares at the moment there, but it's good to kinda keep those as a record.","start":599.205,"end":604.265,"sentiment":"neutral","sentiment_score":0.2887333060304324},{"text":"To make things a bit easier, what I'll get you to do is if you can scroll forward for me down to about page number 12, this is essentially where the recommendations are starting for you.","start":606.21,"end":616.15,"sentiment":"neutral","sentiment_score":0.21633562280072105},{"text":"Beautiful.","start":619.535,"end":620.035,"sentiment":"positive","sentiment_score":0.6342544555664062}],"sentiment":"neutral","sentiment_score":0.268697267550914,"num_words":61,"start":597.285,"end":620.035},{"sentences":[{"text":"So I've put them into stages to kinda show you how this will work.","start":620.175,"end":623.615,"sentiment":"positive","sentiment_score":0.5287796940122332},{"text":"I'll go through it as easily as possible.","start":623.615,"end":625.615,"sentiment":"positive","sentiment_score":0.5439831912517548},{"text":"Feel free to let me know if you do happen to have any questions there.","start":625.615,"end":628.915,"sentiment":"neutral","sentiment_score":0.29510628382364906},{"text":"Essentially, to start with, I am recommending, Neil, that you do move a 100% into the account based pension side of things.","start":629.74,"end":635.57996,"sentiment":"neutral","sentiment_score":0.18158445033160123},{"text":"So we're gonna retain Hub twenty four as a platform and move all of your super a 100% into an account based pension for you within Hub twenty four.","start":635.57996,"end":644.8,"sentiment":"neutral","sentiment_score":0.25642779007040223}],"sentiment":"neutral","sentiment_score":0.31377999230541964,"num_words":88,"start":620.175,"end":644.8},{"sentences":[{"text":"Essentially, this then allows you to start drawing an income there.","start":645.605,"end":648.90497,"sentiment":"neutral","sentiment_score":0.1933350901712071},{"text":"With this recommendation here, I'm recommending that you do retain the full amount and that we would retain everything in your super and roll you over.","start":649.685,"end":658.185,"sentiment":"neutral","sentiment_score":0.2349137170956685},{"text":"The biggest thing with this is that I did go back and have a look at Centrelink and the assessment there because the way they assess your property, even though your property is essentially over that two hectares, just a little bit over the two hectares side of things, because, essentially, you guys have confirmed the property is not suitable for farming.","start":658.64996,"end":678.115,"sentiment":"neutral","sentiment_score":-0.17951028217231074},{"text":"It's swampy.","start":678.115,"end":678.915,"sentiment":"negative","sentiment_score":-0.4313633292913437},{"text":"The soil isn't of a condition to do so.","start":678.915,"end":681.495,"sentiment":"neutral","sentiment_score":-0.3234262449873818}],"sentiment":"neutral","sentiment_score":-0.06062507019801573,"num_words":110,"start":645.605,"end":681.495},{"sentences":[{"text":"Essentially, for them to assess that, they're assessing it under what's called the extended land purpose.","start":682.755,"end":689.45,"sentiment":"neutral","sentiment_score":-0.06362725188955665},{"text":"So they need to be able to show that, a, you've had the property for more than twenty years, which you absolutely have, and I was able to Google to check that too.","start":689.59,"end":697.91,"sentiment":"neutral","sentiment_score":0.08585598167370666},{"text":"So I'm not sure how they couldn't prove that originally.","start":697.91,"end":700.57,"sentiment":"neutral","sentiment_score":-0.25358622819185256},{"text":"You need to be of age pension age, which you do need, but then the other thing is making effective use of the productive land to generate income.","start":701.315,"end":708.935,"sentiment":"neutral","sentiment_score":-0.06246293083365474},{"text":"So because the land is not suitable for generating income, it's swampy.","start":709.395,"end":714.20996,"sentiment":"negative","sentiment_score":-0.6900247782468796}],"sentiment":"neutral","sentiment_score":-0.10858495271943434,"num_words":99,"start":682.755,"end":714.20996},{"sentences":[{"text":"The soil is another condition where you can farm.","start":714.20996,"end":717.19,"sentiment":"neutral","sentiment_score":-0.32736602425575256},{"text":"The exception to this extended land use test is that the land is is that if the land has no scope or limited potential to you to earn income, it can still satisfy the test as long as it isn't being produced as a or used as a commercial property in any way, shape, or form.","start":717.81,"end":735.785,"sentiment":"neutral","sentiment_score":0.02978589804843068},{"text":"So it all comes down to is the land over that two hectares being used for the purpose that it is able to be used for?","start":736.565,"end":745.14,"sentiment":"neutral","sentiment_score":0.08507695579184936},{"text":"Is it being used in yeah.","start":745.14,"end":747.94,"sentiment":"neutral","sentiment_score":-0.00743415051450332},{"text":"If it could be farmed, is it being used to to farm?","start":747.94,"end":751.08,"sentiment":"neutral","sentiment_score":-0.057285972870886326}],"sentiment":"neutral","sentiment_score":0.0018502783987226837,"num_words":109,"start":714.20996,"end":751.08},{"sentences":[{"text":"If it can't be farmed, then you can't use it for that practicality.","start":751.14,"end":754.585,"sentiment":"negative","sentiment_score":-0.43956302450253415},{"text":"So they can still assess it that way.","start":754.965,"end":757.125,"sentiment":"neutral","sentiment_score":-0.05426435545086861},{"text":"And when I've kinda gone back and looked at everything, the land over the two hectares is technically not usable as a income producing purpose.","start":757.125,"end":766.74,"sentiment":"negative","sentiment_score":-0.3488344690203667},{"text":"Therefore, it should absolutely be completely exempt for Centrelink purposes, and under their rules, it can be.","start":766.74,"end":773.54,"sentiment":"neutral","sentiment_score":-0.22944396558929891},{"text":"So I've assessed it to be that to be completely exempt for you.","start":773.54,"end":777.585,"sentiment":"neutral","sentiment_score":0.03282001614570618}],"sentiment":"neutral","sentiment_score":-0.24135767227332844,"num_words":76,"start":751.14,"end":777.585},{"sentences":[{"text":"We are obviously waiting for them to complete the assessment, and if they come back and say, hey.","start":778.305,"end":783.745,"sentiment":"neutral","sentiment_score":-0.1602013053165542},{"text":"We don't believe so, I would suggest that you guys ask them on what grounds, on what basis, and what have they done to show that.","start":783.745,"end":792.005,"sentiment":"neutral","sentiment_score":-0.27013628356731856},{"text":"Because, realistically, if you can't use the land as farming, if it's not viable for primary production or for farming, then you can't use it for that purpose.","start":792.41003,"end":803.23004,"sentiment":"negative","sentiment_score":-0.4841902862702097},{"text":"So it realistically should still be considered a fully exempt asset for you on that basis, but it also comes down to what Centrelink say, and I've seen some of them come back and have some really strange reasons for it.","start":803.45,"end":818.535,"sentiment":"neutral","sentiment_score":-0.23707490614274654},{"text":"So if at any point they come back and say it's not fully exempt, can you find out the reason why, what they've done, and how, and then come back to me?","start":818.535,"end":827.88,"sentiment":"neutral","sentiment_score":-0.2747680083848536}],"sentiment":"neutral","sentiment_score":-0.28949753313229004,"num_words":145,"start":778.305,"end":827.88},{"sentences":[{"text":"I can always go back and reevaluate things if they are assessing some of the land as an asset.","start":827.88,"end":833.42,"sentiment":"neutral","sentiment_score":-0.017783635050842638},{"text":"But, theoretically, based on everything I've looked at and their own rules, your whole property should be fully exempt.","start":834.05505,"end":841.43506,"sentiment":"neutral","sentiment_score":0.011864993966331608},{"text":"Okay?","start":841.575,"end":842.075,"sentiment":"neutral","sentiment_score":0.03613448143005371},{"text":"Yeah.","start":843.655,"end":844.05505,"sentiment":"neutral","sentiment_score":0.20899513363838196},{"text":"Perfect.","start":844.05505,"end":844.53503,"sentiment":"positive","sentiment_score":0.503226637840271}],"sentiment":"neutral","sentiment_score":0.015509806641536514,"num_words":41,"start":827.88,"end":844.53503},{"sentences":[{"text":"And in the advice document, I've actually got snippets there and also in the appendices snippets from their ruling for you to show you exactly how they're assessing that under the extended land use test.","start":844.53503,"end":856.61,"sentiment":"neutral","sentiment_score":0.14981415633644377},{"text":"Okay?","start":856.83,"end":857.33,"sentiment":"neutral","sentiment_score":0.09029920399188995},{"text":"Beautiful.","start":858.99,"end":859.49,"sentiment":"positive","sentiment_score":0.5792513489723206},{"text":"It's a very broad statement they make, honestly.","start":859.63,"end":862.21,"sentiment":"positive","sentiment_score":0.5103166215121746},{"text":"Make effective use of the property.","start":862.99,"end":864.69,"sentiment":"positive","sentiment_score":0.4478229780991872}],"sentiment":"neutral","sentiment_score":0.24867680128298553,"num_words":51,"start":844.53503,"end":864.69},{"sentences":[{"text":"Well, the property can't be used for farming, so therefore, it's used effectively.","start":864.855,"end":868.635,"sentiment":"neutral","sentiment_score":0.051053828273255095},{"text":"Yeah.","start":870.77496,"end":871.27496,"sentiment":"neutral","sentiment_score":0.08094150573015213},{"text":"All good.","start":871.33496,"end":872.07495,"sentiment":"neutral","sentiment_score":0.2040492221713066},{"text":"So, theoretically, I know one of the things that was made mentioned to you when you spoke to Maddie the other day, someone at Centrelink have made mention about drawing some money out and possibly putting that in your super, Camilla.","start":872.375,"end":883.52997,"sentiment":"neutral","sentiment_score":-0.14922039483378574},{"text":"That is something I have assessed.","start":883.91,"end":885.51,"sentiment":"negative","sentiment_score":-0.5542064507802328}],"sentiment":"neutral","sentiment_score":-0.13159579643240524,"num_words":63,"start":864.855,"end":885.51},{"sentences":[{"text":"It is really honestly not worth doing at the moment.","start":885.51,"end":888.41,"sentiment":"negative","sentiment_score":-0.6889231443405152},{"text":"If there is any change to the Centrelink assessment, then we can absolutely look at doing that.","start":889.02997,"end":893.58997,"sentiment":"neutral","sentiment_score":-0.08506463446161326},{"text":"But to do that, I would want to make sure that I'm assessing your super as well, looking at how it's invested, whether the money being deposited make you know, what kind of caps it meets for you, how it's best to be deposited, and how that looks long term for you both as well.","start":893.58997,"end":909.365,"sentiment":"neutral","sentiment_score":0.07676403813741424},{"text":"Because the main sort of thing the main advantage to moving solely into the age pension side of things so in super in the accumulation stage at the moment, any income or capital gains that your super is making is actually being taxed at 15%.","start":909.75,"end":925.13,"sentiment":"neutral","sentiment_score":0.11409367380870714},{"text":"Neil, by you actually moving wholly into the pension phase, moving all your funds into there, there's no income or capital gains tax applicable to your funds.","start":925.815,"end":936.775,"sentiment":"neutral","sentiment_score":0.09140951020850076}],"sentiment":"neutral","sentiment_score":0.022655610164458103,"num_words":154,"start":885.51,"end":936.775},{"sentences":[{"text":"So all of your money is sitting in that pension phase.","start":936.775,"end":939.255,"sentiment":"neutral","sentiment_score":0.19881901415911588},{"text":"It's still working and growing, producing income and growth, and it's not paying any income or CDT tax.","start":939.255,"end":946.42,"sentiment":"neutral","sentiment_score":0.2100955918431282},{"text":"So that phase is completely tax free as well as the the drawdowns being tax free for you.","start":946.42,"end":952.26,"sentiment":"neutral","sentiment_score":0.23815775911013284},{"text":"Does that make sense?","start":952.26,"end":953.32,"sentiment":"neutral","sentiment_score":0.13419170305132866},{"text":"Yeah.","start":956.645,"end":957.145,"sentiment":"neutral","sentiment_score":-0.04413940757513046}],"sentiment":"neutral","sentiment_score":0.20669609379882997,"num_words":52,"start":936.775,"end":957.145},{"sentences":[{"text":"Yeah.","start":959.365,"end":959.685,"sentiment":"neutral","sentiment_score":-0.1911982297897339},{"text":"No.","start":959.685,"end":960.005,"sentiment":"neutral","sentiment_score":-0.30712196230888367},{"text":"Not in pension phase.","start":960.005,"end":961.205,"sentiment":"neutral","sentiment_score":-0.2667926177382469},{"text":"You're in the coolest phase of life.","start":961.205,"end":963.145,"sentiment":"positive","sentiment_score":0.4100871128695352},{"text":"So, look, the first other recommendation that is that we do, we move you into the hub twenty four pension account.","start":966.67,"end":972.67,"sentiment":"neutral","sentiment_score":0.3100596410887582}],"sentiment":"neutral","sentiment_score":0.2298932820558548,"num_words":34,"start":959.365,"end":972.67},{"sentences":[{"text":"It's a full account based pension there, and it's it's a very easy transfer.","start":972.67,"end":977.08997,"sentiment":"positive","sentiment_score":0.49957147240638733},{"text":"Everything is in specie transferred across.","start":977.14996,"end":979.125,"sentiment":"positive","sentiment_score":0.4325753152370453},{"text":"We just get you to sign the form, get your bank information, and we do all that process there for you.","start":979.125,"end":984.005,"sentiment":"positive","sentiment_score":0.39225151141484577},{"text":"It's a straight transfer, and it happens very quickly for you.","start":984.005,"end":987.205,"sentiment":"positive","sentiment_score":0.6624923890287225},{"text":"Okay?","start":987.205,"end":987.705,"sentiment":"neutral","sentiment_score":0.2429366111755371}],"sentiment":"positive","sentiment_score":0.478435606326697,"num_words":53,"start":972.67,"end":987.705},{"sentences":[{"text":"Once we've done that, if you scroll further on down there for me to page number 19, you'll have the stage two.","start":989.365,"end":997.4,"sentiment":"neutral","sentiment_score":0.13196211037310687},{"text":"This is where we're gonna start by drawing a lump sum drawdown from your pension account of 87,000.","start":997.54004,"end":1003.96,"sentiment":"neutral","sentiment_score":0.1630653076701694},{"text":"So, essentially, with the statement you provided from the bank, you owe just over 86,000 on the mortgage there.","start":1004.615,"end":1012.135,"sentiment":"neutral","sentiment_score":0.14557817460674988},{"text":"I've just rounded it up to 87,000 just to make sure we're covering any differences.","start":1012.135,"end":1017.33496,"sentiment":"neutral","sentiment_score":0.16543079415957132},{"text":"Because when you think about mortgages, interest is calculated daily and charged monthly.","start":1017.33496,"end":1022.43,"sentiment":"neutral","sentiment_score":0.15409797659287086}],"sentiment":"neutral","sentiment_score":0.15044899875747747,"num_words":87,"start":989.365,"end":1022.43},{"sentences":[{"text":"So the payout figure they give you can change on a regular basis.","start":1022.64996,"end":1026.73,"sentiment":"neutral","sentiment_score":0.3002964017482904},{"text":"So I just sort of when I looked at things, my let's just round it up to 87,000, a nice rounded figure there for you.","start":1026.73,"end":1033.815,"sentiment":"neutral","sentiment_score":0.32626461625099185},{"text":"It gives you a bit of a buffer in case there's some additional interest somewhere that they haven't accounted for.","start":1033.815,"end":1038.875,"sentiment":"neutral","sentiment_score":0.30582207068800926},{"text":"And then it also just gives you a small buffer, a a few x you know, a couple extra $100 just to sort of have sitting aside to go out and enjoy yourself or to put, you know, in a in an account somewhere.","start":1039.1749,"end":1049.73,"sentiment":"positive","sentiment_score":0.4237791204994375},{"text":"So I've just kind of rounded that figure up for you, but the reason we're moving into pension phase first is because, a, your income payments are drawn down completely tax free, but there's no income or CDT tax in pension phase.","start":1050.4299,"end":1063.95,"sentiment":"neutral","sentiment_score":0.22543507299962498}],"sentiment":"neutral","sentiment_score":0.3214685028522379,"num_words":144,"start":1022.64996,"end":1063.95},{"sentences":[{"text":"So by moving into pension phase first and then drawing down from the pension of the 87,000, your fund will have no tax consequences for selling down the investments.","start":1063.95,"end":1074.985,"sentiment":"neutral","sentiment_score":0.3051775471981743},{"text":"Whereas if we held you in the accumulation phase first and then completed the sell down, your fund would have to account for capital gains tax at 10 to 15% and or income tax at 15% there as well.","start":1075.0449,"end":1088.16,"sentiment":"neutral","sentiment_score":-0.025259453086898878},{"text":"So it works out to your benefit to move in the pension phase and then complete that drawdown.","start":1088.16,"end":1092.825,"sentiment":"neutral","sentiment_score":0.05489997731314765},{"text":"Does that make sense?","start":1092.825,"end":1093.965,"sentiment":"neutral","sentiment_score":0.023993132170289755},{"text":"Yep.","start":1095.465,"end":1095.965,"sentiment":"positive","sentiment_score":0.35434064269065857}],"sentiment":"neutral","sentiment_score":0.10223673583919203,"num_words":91,"start":1063.95,"end":1095.965},{"sentences":[{"text":"Perfect.","start":1096.1849,"end":1096.585,"sentiment":"positive","sentiment_score":0.603549599647522},{"text":"That's okay.","start":1096.585,"end":1097.325,"sentiment":"positive","sentiment_score":0.4087197184562683},{"text":"So that'll be drawn down to your bank account, and then you can move the funds across, and then you'll be able to pay out your mortgage there.","start":1098.1849,"end":1105.245,"sentiment":"neutral","sentiment_score":0.27769908575075014},{"text":"These recommendations are in your best interest because it is a more tax effective way for you.","start":1105.53,"end":1110.25,"sentiment":"positive","sentiment_score":0.4530538478318383},{"text":"As I mentioned, there's no income or CD tax in that pension phase, and it's very easy to have the lump sum drawn down nice and quickly for you as well.","start":1110.25,"end":1118.8301,"sentiment":"positive","sentiment_score":0.4530457200542573}],"sentiment":"positive","sentiment_score":0.39168223003043406,"num_words":79,"start":1096.1849,"end":1118.8301},{"sentences":[{"text":"Okay?","start":1118.89,"end":1119.39,"sentiment":"neutral","sentiment_score":0.1670520305633545},{"text":"Excellent.","start":1121.1449,"end":1121.6449,"sentiment":"positive","sentiment_score":0.5736638307571411},{"text":"If you go down to page number 23 for me, we have stage three for you.","start":1122.505,"end":1127.8049,"sentiment":"neutral","sentiment_score":0.2025348274037242},{"text":"Now this is essentially what we wanna do with regard to an investment switch.","start":1128.0249,"end":1131.945,"sentiment":"neutral","sentiment_score":0.13458287609475},{"text":"So once we've completed that drawdown of the of the funds for you to pay out your mortgage, which will leave you both completely debt free, which is fantastic, we're gonna also do a bit of an investment switch here.","start":1131.945,"end":1144.19,"sentiment":"positive","sentiment_score":0.3797598369419575}],"sentiment":"neutral","sentiment_score":0.29244203948312336,"num_words":72,"start":1118.89,"end":1144.19},{"sentences":[{"text":"Essentially, I had a really good look at your investments at the way you were invested.","start":1144.8099,"end":1149.47,"sentiment":"neutral","sentiment_score":0.18654348328709602},{"text":"We did talk about just maybe reducing the risk level a little bit and making sure you're in that balanced kind of environment, which is generally where you see about 60% of your super invested in growth assets, things like Australian shares, international shares, listed property, commodities like gold and silver, and then just increasing some of those defensive lower risk investments like cash and bonds and fixed interest to make sure that you're taking less risk in the market.","start":1149.5299,"end":1175.26,"sentiment":"neutral","sentiment_score":0.23055530739948155},{"text":"The idea and the goal here is to provide longevity out of your super to supplement the age pension eligibility and to make sure that you can, you know, suffice or live in the retirement years for the next sort of ten to twenty to thirty to forty years, and longevity becomes really important here.","start":1175.3201,"end":1193.415,"sentiment":"positive","sentiment_score":0.34552437175403944},{"text":"So taking less risk in the market and not seeing such drastic ups and downs in your super balance is where we kind of end up in this this stage of life.","start":1193.415,"end":1202.8999,"sentiment":"neutral","sentiment_score":0.23537825932726264},{"text":"Does that make sense?","start":1202.8999,"end":1204.0399,"sentiment":"neutral","sentiment_score":0.1805693544447422}],"sentiment":"neutral","sentiment_score":0.2603601202528107,"num_words":187,"start":1144.8099,"end":1204.0399},{"sentences":[{"text":"Yeah.","start":1205.7799,"end":1206.2799,"sentiment":"neutral","sentiment_score":0.023268571123480797},{"text":"It is.","start":1213.925,"end":1214.665,"sentiment":"neutral","sentiment_score":-0.03140217158943414},{"text":"Yeah.","start":1214.9651,"end":1215.285,"sentiment":"neutral","sentiment_score":-0.013926147483289242},{"text":"It's a soup it's a super pension, essentially.","start":1215.285,"end":1217.785,"sentiment":"neutral","sentiment_score":-0.015639726480003446},{"text":"So it's just the wording that they have in the template there.","start":1217.925,"end":1220.9299,"sentiment":"neutral","sentiment_score":0.011721451922009388}],"sentiment":"neutral","sentiment_score":-0.001580096179774652,"num_words":24,"start":1205.7799,"end":1220.9299},{"sentences":[{"text":"I do apologize that, but you'll be in the pension phase first.","start":1220.9299,"end":1224.21,"sentiment":"neutral","sentiment_score":-0.014225715422071517},{"text":"Sorry.","start":1224.21,"end":1224.71,"sentiment":"neutral","sentiment_score":-0.0404692143201828},{"text":"Yeah.","start":1225.09,"end":1225.59,"sentiment":"neutral","sentiment_score":-0.017929542809724808},{"text":"That's okay.","start":1227.25,"end":1228.07,"sentiment":"neutral","sentiment_score":0.04595279321074486},{"text":"Absolutely.","start":1229.01,"end":1229.51,"sentiment":"positive","sentiment_score":0.3542898893356323}],"sentiment":"neutral","sentiment_score":0.012769890209550367,"num_words":17,"start":1220.9299,"end":1229.51},{"sentences":[{"text":"Absolutely.","start":1231.1699,"end":1231.6699,"sentiment":"positive","sentiment_score":0.3903416395187378},{"text":"All good.","start":1233.0349,"end":1233.695,"sentiment":"positive","sentiment_score":0.5055546462535858},{"text":"So that's essentially underneath the outlining the best interest, Judy, the recommendations around the advantages, disadvantages, and the risk of that strategy there.","start":1235.6749,"end":1245.81,"sentiment":"neutral","sentiment_score":0.10542633202250885},{"text":"If you scroll down a little bit further for me to page number 30, I'll show you what changes we're gonna make to the investments just so you can see all of that.","start":1245.89,"end":1254.39,"sentiment":"neutral","sentiment_score":0.060567007146098396},{"text":"Beautiful.","start":1263.4249,"end":1263.9249,"sentiment":"positive","sentiment_score":0.5568015575408936}],"sentiment":"neutral","sentiment_score":0.10636282269842923,"num_words":60,"start":1231.1699,"end":1263.9249},{"sentences":[{"text":"Beautiful.","start":1264.945,"end":1265.105,"sentiment":"positive","sentiment_score":0.5186579823493958},{"text":"So this is essentially the investments that you do have in there.","start":1265.105,"end":1268.3049,"sentiment":"neutral","sentiment_score":0.16941645989815393},{"text":"So you've got well, what what we're going to do sorry.","start":1268.3049,"end":1271.6649,"sentiment":"neutral","sentiment_score":0.0796944432976571},{"text":"And the red is what gonna be selling off, and the green is what we're gonna be purchasing into.","start":1271.6649,"end":1275.98,"sentiment":"neutral","sentiment_score":0.011533022122947793},{"text":"So we are gonna be selling down the battery and lithium tax, selling down the ban along Australian equities, which is the one that's been underperforming a little bit there as well.","start":1275.98,"end":1285.12,"sentiment":"neutral","sentiment_score":-0.04661007138201967}],"sentiment":"neutral","sentiment_score":0.028745326846837997,"num_words":75,"start":1264.945,"end":1285.12},{"sentences":[{"text":"We'll also be selling down the bank hybrids.","start":1285.725,"end":1288.305,"sentiment":"neutral","sentiment_score":-0.03312321100383997},{"text":"They are actually being phased out as an investment in the future, so removing those whilst we are making changes of portfolio and distributing the funds now is a good idea.","start":1288.765,"end":1297.825,"sentiment":"neutral","sentiment_score":0.052697576342090484},{"text":"Best to do it now while we have the option to do it rather than down the track when we have no choice and have to do it quickly for you.","start":1298.0801,"end":1304.5801,"sentiment":"neutral","sentiment_score":0.049466489784179196},{"text":"So selling off all the bank hybrids there.","start":1305.36,"end":1307.78,"sentiment":"neutral","sentiment_score":-0.00747220404446125},{"text":"Physical gold is a great investment.","start":1308.0801,"end":1309.86,"sentiment":"positive","sentiment_score":0.38421062628428143}],"sentiment":"neutral","sentiment_score":0.06128079151468618,"num_words":84,"start":1285.725,"end":1309.86},{"sentences":[{"text":"We're just rebalancing it for you.","start":1309.92,"end":1312.24,"sentiment":"neutral","sentiment_score":0.22228619704643884},{"text":"So you are a bit you've got a 9% at the moment.","start":1312.24,"end":1314.9249,"sentiment":"neutral","sentiment_score":0.07395317529638608},{"text":"We do wanna hold 10% of your total balance there.","start":1314.9249,"end":1317.8049,"sentiment":"neutral","sentiment_score":0.05602140016853809},{"text":"But when we look at the amount you hold now compared to what we need to have in your total balance, we just need to sell off a little bit of that as well.","start":1317.8049,"end":1325.725,"sentiment":"neutral","sentiment_score":-0.040363543831250244},{"text":"And we're also selling some of that down to withdraw the 87,000 for you.","start":1325.725,"end":1330.46,"sentiment":"neutral","sentiment_score":0.1304858172578471}],"sentiment":"neutral","sentiment_score":0.042576450511421025,"num_words":76,"start":1309.92,"end":1330.46},{"sentences":[{"text":"With the core composite bonds, because we are getting rid of the bank hybrids, we wanna make sure and increase those defensive lower risk investments, and core composite bonds are essentially that.","start":1331.32,"end":1341.795,"sentiment":"neutral","sentiment_score":0.19757731817662716},{"text":"Bonds are more of an income producing lower risk investment.","start":1342.435,"end":1345.8151,"sentiment":"neutral","sentiment_score":0.29320949763059617},{"text":"They do tend to get a lower rate of return, but they don't fluctuate.","start":1345.875,"end":1348.775,"sentiment":"neutral","sentiment_score":0.2741514540144375},{"text":"They don't go up and down as drastically like shares do.","start":1348.8351,"end":1351.9751,"sentiment":"neutral","sentiment_score":0.011713005602359772},{"text":"So we do wanna increase exposure into these lower risk investments like just like bonds.","start":1352.115,"end":1357.5751,"sentiment":"neutral","sentiment_score":0.25555024047692615}],"sentiment":"neutral","sentiment_score":0.2079851973529269,"num_words":82,"start":1331.32,"end":1357.5751},{"sentences":[{"text":"So putting 25% of your funds into this sort of investment here.","start":1358.09,"end":1361.9501,"sentiment":"neutral","sentiment_score":0.31691887229681015},{"text":"We are still holding the S and P 500, so exposure into The US is still really important.","start":1362.5701,"end":1367.93,"sentiment":"neutral","sentiment_score":0.16114572849538591},{"text":"And you do wanna have some growth investments in your soup in your super in your pension anyway.","start":1367.93,"end":1373.23,"sentiment":"positive","sentiment_score":0.3350677722030216},{"text":"Even when we are taking lower risk, having some growth investments is still really important for getting some good higher returns and providing longevity.","start":1373.625,"end":1381.245,"sentiment":"positive","sentiment_score":0.3384547101644178},{"text":"So we are gonna keep the S and P 500, but we're just gonna sell some of it off and rebalance that reduce your risk in that and also selling some of that to be able to draw down the 87,000 for you as well.","start":1382.025,"end":1394.32,"sentiment":"neutral","sentiment_score":0.3075027061833276}],"sentiment":"neutral","sentiment_score":0.2965419171139216,"num_words":117,"start":1358.09,"end":1394.32},{"sentences":[{"text":"Okay?","start":1394.32,"end":1394.82,"sentiment":"neutral","sentiment_score":0.1701478660106659},{"text":"The beta shares Rafi 200, we're gonna sell that down completely, remove that out of the portfolio, and also removing all the infrastructure there as well.","start":1396.64,"end":1405.0599,"sentiment":"neutral","sentiment_score":0.015617489671477905},{"text":"Where we are gonna see your funds invested, so, essentially, what you'll see once we've completed the rebalance and altered the investments, you'll still have about 10% physical gold.","start":1405.815,"end":1415.195,"sentiment":"neutral","sentiment_score":0.21627065924734906},{"text":"We'll have 25% in the core composite funds.","start":1415.255,"end":1418.28,"sentiment":"neutral","sentiment_score":0.2531580235809088},{"text":"We're gonna retain 22% of the s and p 500, so The US exposure.","start":1418.28,"end":1423.18,"sentiment":"neutral","sentiment_score":0.22151782044342586}],"sentiment":"neutral","sentiment_score":0.15352006910894161,"num_words":78,"start":1394.32,"end":1423.18},{"sentences":[{"text":"We're also gonna have some cybersecurity, so some global cybersecurity, which is diversifying, giving you access to cybersecurity country across the globe, all over the world.","start":1423.72,"end":1433.955,"sentiment":"neutral","sentiment_score":0.31623154706679857},{"text":"We're also gonna keep some European exposure, and that's into all the European countries, not just one, two, or three.","start":1434.515,"end":1440.115,"sentiment":"neutral","sentiment_score":0.20787709727883338},{"text":"So, again, looking at diversification for lowering risk, but also looking for some growth in those areas.","start":1440.115,"end":1445.575,"sentiment":"positive","sentiment_score":0.3486339082831846},{"text":"The Vanguard or WorldX US, that's essentially looking at investing across every country except for The US, and that's because we have the S and P 500 above there.","start":1446.69,"end":1457.59,"sentiment":"neutral","sentiment_score":0.09672077462590974},{"text":"And, again, it's diversification.","start":1457.65,"end":1458.87,"sentiment":"neutral","sentiment_score":0.2562934309244156}],"sentiment":"neutral","sentiment_score":0.2305876541455897,"num_words":96,"start":1423.72,"end":1458.87},{"sentences":[{"text":"So one of the best best ways to mitigate long term market risk is to diversify.","start":1459.4099,"end":1464.115,"sentiment":"neutral","sentiment_score":0.2905186861753464},{"text":"Make sure you're spreading your risk across lots of different countries, asset classes, across those growth and defensive assets there.","start":1465.4551,"end":1472.255,"sentiment":"neutral","sentiment_score":0.29230368584394456},{"text":"So this Vanguard index fund is essentially looking to do that, and we'll hold about 6% of that for you as well.","start":1472.255,"end":1479.78,"sentiment":"positive","sentiment_score":0.40923164649443194},{"text":"It's important to have some Australian exposure, and that's what the BetaShares Australian 200 is.","start":1480.88,"end":1486.905,"sentiment":"neutral","sentiment_score":0.15270923574765524},{"text":"That's essentially giving you exposure to the top 200 companies on the ASX.","start":1487.305,"end":1491.805,"sentiment":"neutral","sentiment_score":0.2137306653536283}],"sentiment":"neutral","sentiment_score":0.28565821051597595,"num_words":86,"start":1459.4099,"end":1491.805},{"sentences":[{"text":"And one of the things I do like about these sorts of index investments is that they're tracking in indices.","start":1492.505,"end":1497.725,"sentiment":"neutral","sentiment_score":0.26337161660194397},{"text":"So one of the things that I like to make sure we're doing or is really good to do is that with the a 200 and even the S and P 500, you're tracking those indexes with the top 200 or the top 500 companies on The US and the Australian market there.","start":1498.345,"end":1513.785,"sentiment":"neutral","sentiment_score":0.23335869933636683},{"text":"In order for companies to be inside the indices that this investment is tracking, they have to meet a criteria.","start":1514.025,"end":1520.285,"sentiment":"neutral","sentiment_score":0.01714373230934143},{"text":"So say if a company on the ASX didn't meet the criteria to be in the a 200, it would be removed out of the industry and therefore removed out of the investment that you're invested in as well and replaced with something else that does meet that criteria.","start":1520.8251,"end":1534.4601,"sentiment":"neutral","sentiment_score":-0.15377850176728503},{"text":"So you can rest assured that you are always invested in the top 200 companies with the a 200, and the same goes with the S and P 500.","start":1534.92,"end":1542.665,"sentiment":"neutral","sentiment_score":0.16733284834130058}],"sentiment":"neutral","sentiment_score":0.08944926349914561,"num_words":171,"start":1492.505,"end":1542.665},{"sentences":[{"text":"It tracks the S and P 500 index.","start":1542.665,"end":1545.005,"sentiment":"neutral","sentiment_score":0.10912825725972652},{"text":"And, essentially, in order to be in that index, you have to meet a certain criteria.","start":1545.2251,"end":1550.045,"sentiment":"neutral","sentiment_score":0.02202802267856896},{"text":"So companies that don't meet the criteria, whenever the investment committee for the indices meets, which at the moment is every quarter, companies are removed out of the index and therefore moved out of the S and P 500 investment as well.","start":1550.665,"end":1564.1101,"sentiment":"neutral","sentiment_score":-0.2672821432352066},{"text":"So it's good to know that companies that aren't performing that don't meet those criterias don't stay in those investments, and they're replaced with companies that do.","start":1564.1101,"end":1572.0349,"sentiment":"neutral","sentiment_score":-0.1733807623386383},{"text":"So you are always tracking the top 500 companies on the a with the S and P 500.","start":1572.0349,"end":1577.255,"sentiment":"neutral","sentiment_score":0.09624054489864244}],"sentiment":"neutral","sentiment_score":-0.11666059792713002,"num_words":111,"start":1542.665,"end":1577.255},{"sentences":[{"text":"And with the a 200, you're always tracking the top 200 companies on the ASX as well.","start":1577.635,"end":1583.075,"sentiment":"neutral","sentiment_score":0.09782507577363182},{"text":"Does that make sense?","start":1583.075,"end":1584.215,"sentiment":"neutral","sentiment_score":0.07444289419800043},{"text":"Yeah.","start":1585.57,"end":1586.07,"sentiment":"positive","sentiment_score":0.43253710865974426},{"text":"Beautiful.","start":1586.13,"end":1586.63,"sentiment":"positive","sentiment_score":0.6650376319885254},{"text":"And then the last one at the bottom there is the beta shares high interest cash account.","start":1588.21,"end":1593.25,"sentiment":"neutral","sentiment_score":0.14714699282365687}],"sentiment":"neutral","sentiment_score":0.13899678708985447,"num_words":40,"start":1577.635,"end":1593.25},{"sentences":[{"text":"So this is looking at fixed interest cash accounts, trying to get the best returns on the market for you.","start":1593.25,"end":1598.355,"sentiment":"neutral","sentiment_score":0.20024899654090406},{"text":"Essentially, again, it's important to have this as more of a defensive lower risk investment.","start":1598.915,"end":1603.015,"sentiment":"neutral","sentiment_score":0.18077361186345417},{"text":"High interest cash accounts, bonds, and fixed interest, they are lower risk.","start":1604.4349,"end":1609.075,"sentiment":"neutral","sentiment_score":0.2007564182082812},{"text":"They do tend to get a lower rate of return, but when we are taking less risk in the market, it's, again, it's about longevity and income producing.","start":1609.075,"end":1616.55,"sentiment":"neutral","sentiment_score":0.28895093340958866},{"text":"One of the big important factors of this stage of your life there is that you're going into those retirement years, so we are drawing income out of your pension account.","start":1617.0901,"end":1625.5701,"sentiment":"positive","sentiment_score":0.33591936769024017}],"sentiment":"neutral","sentiment_score":0.2606583741616528,"num_words":106,"start":1593.25,"end":1625.5701},{"sentences":[{"text":"And because there's no tax consequences in this phase of life for you with regard to your pension account, we can then be making more in the way of income because there's no income tax to be made.","start":1625.5701,"end":1637.1051,"sentiment":"neutral","sentiment_score":0.31512986947047084},{"text":"And the income that's generated by the portfolio helps to draw down your regular pension payments for you so that you're hopefully taking less out of your capital.","start":1637.1051,"end":1646.0499,"sentiment":"neutral","sentiment_score":0.2982623390853405},{"text":"Does that make sense?","start":1646.19,"end":1647.25,"sentiment":"neutral","sentiment_score":0.09837242588400841},{"text":"Yeah.","start":1648.6699,"end":1649.15,"sentiment":"neutral","sentiment_score":0.11579284071922302},{"text":"Do you have any questions so far either of you?","start":1649.15,"end":1651.8099,"sentiment":"neutral","sentiment_score":0.05146959852427244}],"sentiment":"neutral","sentiment_score":0.2635834452316717,"num_words":81,"start":1625.5701,"end":1651.8099},{"sentences":[{"text":"All good.","start":1656.6849,"end":1657.425,"sentiment":"neutral","sentiment_score":0.07446078211069107},{"text":"All good.","start":1657.565,"end":1658.3049,"sentiment":"neutral","sentiment_score":0.11503636464476585},{"text":"The next page just outlines the amount of cash that we do need to hold.","start":1659.325,"end":1662.365,"sentiment":"neutral","sentiment_score":0.05273607149720192},{"text":"So within hub twenty four, we do have to hold a minimum of 1.25% cash.","start":1662.365,"end":1667.49,"sentiment":"neutral","sentiment_score":0.053414146850506466},{"text":"This shows that at the moment, your cash holding is a little bit higher than that, so we will just invest a bit over a thousand dollars there to make sure your cash holding remains at 1.25%, keeping as much money as we can invested into those investments working harder for you.","start":1667.73,"end":1685.4116,"sentiment":"neutral","sentiment_score":0.06253618653863668}],"sentiment":"neutral","sentiment_score":0.06073406126436799,"num_words":86,"start":1656.6849,"end":1685.4116},{"sentences":[{"text":"Okay?","start":1685.4116,"end":1685.625,"sentiment":"neutral","sentiment_score":0.05437127873301506},{"text":"Perfect.","start":1685.625,"end":1686.125,"sentiment":"neutral","sentiment_score":0.13152581453323364},{"text":"So sorry.","start":1689.225,"end":1689.705,"sentiment":"neutral","sentiment_score":-0.11379438079893589},{"text":"My throat's a little bit sore today, so I'm just having a quick drink.","start":1689.705,"end":1692.025,"sentiment":"neutral","sentiment_score":-0.25234874550785336},{"text":"I apologize.","start":1692.025,"end":1692.685,"sentiment":"neutral","sentiment_score":-0.13389607518911362}],"sentiment":"neutral","sentiment_score":-0.19211831279098987,"num_words":20,"start":1685.4116,"end":1692.685},{"sentences":[{"text":"All good.","start":1695.625,"end":1696.365,"sentiment":"neutral","sentiment_score":0.11476795375347137},{"text":"You're right.","start":1697.62,"end":1698.02,"sentiment":"neutral","sentiment_score":0.054466020315885544},{"text":"Neil, did you wanna ask a question?","start":1698.02,"end":1699.62,"sentiment":"neutral","sentiment_score":-0.0008561659072126659},{"text":"Or No.","start":1699.62,"end":1701.7999,"sentiment":"neutral","sentiment_score":-0.03380115143954754},{"text":"All good.","start":1701.94,"end":1702.5,"sentiment":"neutral","sentiment_score":0.09099726751446724}],"sentiment":"neutral","sentiment_score":0.02979113459587097,"num_words":15,"start":1695.625,"end":1702.5},{"sentences":[{"text":"Perfect.","start":1702.5,"end":1703.0,"sentiment":"neutral","sentiment_score":0.06348216533660889},{"text":"So, essentially, where we are at the moment with the recommendations of stage one, two, and three, they will start by moving you into the pension phase, Then we'll draw down that 87,000 so you can pay off the mortgage, and then we're gonna do an investment switch there for you as well, which is also lowering your risk level and changing your investments so that things are working harder for you.","start":1703.0599,"end":1721.615,"sentiment":"neutral","sentiment_score":0.20056472040919793},{"text":"Okay?","start":1721.615,"end":1722.115,"sentiment":"neutral","sentiment_score":0.08426864445209503},{"text":"On page number 35, you've got your fourth stage of the plan, and this is essentially where the draw downs and the age pension side of things comes into account.","start":1724.33,"end":1733.2899,"sentiment":"neutral","sentiment_score":0.0681538230429093},{"text":"So you've sent your application off for the age pension, essentially.","start":1733.2899,"end":1737.1499,"sentiment":"neutral","sentiment_score":0.06908489323475143}],"sentiment":"neutral","sentiment_score":0.1512431234445261,"num_words":115,"start":1702.5,"end":1737.1499},{"sentences":[{"text":"We're just now waiting for that to be, essentially accepted and for that to go into play and for them to assess that.","start":1737.605,"end":1744.985,"sentiment":"neutral","sentiment_score":0.06031454192555469},{"text":"It can take up to thirteen weeks if everything is in line.","start":1745.285,"end":1748.5651,"sentiment":"neutral","sentiment_score":-0.02851153335844477},{"text":"If they don't require anything additional, I have seen it take a little bit longer essentially as well.","start":1748.5651,"end":1753.5499,"sentiment":"neutral","sentiment_score":-0.19487660129865012},{"text":"So what I'm recommending with this stage is once we've done we've moved you into pension.","start":1753.5499,"end":1758.11,"sentiment":"neutral","sentiment_score":0.15738841658458114},{"text":"We've drawn down the 87,000 for you.","start":1758.11,"end":1760.51,"sentiment":"neutral","sentiment_score":0.19487297322068894}],"sentiment":"neutral","sentiment_score":0.01867950945406368,"num_words":76,"start":1737.605,"end":1760.51},{"sentences":[{"text":"We've done we're doing the investments which as well, but we're also gonna set up a regular pension payment for you.","start":1760.51,"end":1766.265,"sentiment":"neutral","sentiment_score":0.20285786404496148},{"text":"Now you guys filled out the budget plan, and thank you so much for doing that.","start":1766.745,"end":1770.765,"sentiment":"positive","sentiment_score":0.6582785472273827},{"text":"I went back and entered all the information through and had a really good look.","start":1770.985,"end":1774.4451,"sentiment":"positive","sentiment_score":0.5535301407178242},{"text":"And in order for you to survive, you need to live on about $868 per week to cover all of your expenditure.","start":1774.745,"end":1781.5651,"sentiment":"neutral","sentiment_score":0.06209034438837658},{"text":"And that's not including, Camilla, your income.","start":1783.1699,"end":1785.57,"sentiment":"neutral","sentiment_score":-0.044441938932452886}],"sentiment":"neutral","sentiment_score":0.29815207426378754,"num_words":81,"start":1760.51,"end":1785.57},{"sentences":[{"text":"So I've separated your your income away from this.","start":1785.57,"end":1788.37,"sentiment":"neutral","sentiment_score":-0.0755558307800028},{"text":"So your income provides just a buffer additional funds and a little bit extra for you guys as well as we discussed.","start":1788.37,"end":1795.35,"sentiment":"neutral","sentiment_score":0.13831434873017398},{"text":"Okay?","start":1795.4099,"end":1795.9099,"sentiment":"neutral","sentiment_score":0.0657595619559288},{"text":"So once we open the pension account, we'll set your pension up.","start":1797.145,"end":1799.945,"sentiment":"neutral","sentiment_score":0.10089512169361115},{"text":"And look, this won't happen in this order.","start":1799.945,"end":1801.785,"sentiment":"neutral","sentiment_score":0.028443928342312574}],"sentiment":"neutral","sentiment_score":0.07436472392426087,"num_words":52,"start":1785.57,"end":1801.785},{"sentences":[{"text":"We'll essentially open the pension account up.","start":1801.785,"end":1803.625,"sentiment":"neutral","sentiment_score":0.1679490783384868},{"text":"We'll tell them how much to start drawing down, and these pension payments will start very quickly for you as well.","start":1803.625,"end":1808.905,"sentiment":"positive","sentiment_score":0.46561282518364133},{"text":"We won't make you wait till after the draw downs or anything like that.","start":1808.905,"end":1812.12,"sentiment":"neutral","sentiment_score":0.17117067958627427},{"text":"It's just the way we've set it out in the plan to make it a bit clearer for you.","start":1812.2,"end":1816.12,"sentiment":"positive","sentiment_score":0.35154279203791367},{"text":"Okay?","start":1816.12,"end":1816.62,"sentiment":"neutral","sentiment_score":0.12420173734426498}],"sentiment":"neutral","sentiment_score":0.32505511576610224,"num_words":62,"start":1801.785,"end":1816.62},{"sentences":[{"text":"All good.","start":1818.92,"end":1819.66,"sentiment":"positive","sentiment_score":0.7017122805118561},{"text":"So, essentially, to start with, we're gonna draw down the full $868 on a weekly basis or essentially per fortnight if you prefer.","start":1820.12,"end":1827.6549,"sentiment":"neutral","sentiment_score":0.09813844282989917},{"text":"Fortnightly, it's $17.36 and 1¢ there.","start":1827.6549,"end":1831.355,"sentiment":"neutral","sentiment_score":0.08775020688772202},{"text":"Essentially, that will give you the regular drawdown out of your pension account to cover all of your expenditure, and then it leaves your additional income there, Camilla, for additional expenditures, holidays, savings, whatever it is that you guys might wanna spend that money on for you.","start":1832.0549,"end":1846.8099,"sentiment":"neutral","sentiment_score":0.20332980441286208},{"text":"And Neil's pension payments paid down regularly will cover your base expenditure.","start":1846.87,"end":1850.89,"sentiment":"neutral","sentiment_score":0.25282803426186246}],"sentiment":"neutral","sentiment_score":0.1875258089786165,"num_words":90,"start":1818.92,"end":1850.89},{"sentences":[{"text":"Okay?","start":1851.35,"end":1851.85,"sentiment":"neutral","sentiment_score":0.15645083785057068},{"text":"We'll start these draw downs as soon as absolutely possible.","start":1853.235,"end":1856.515,"sentiment":"positive","sentiment_score":0.3369258254766464},{"text":"We'll get your bank details and start them straight away for you.","start":1856.515,"end":1859.5751,"sentiment":"neutral","sentiment_score":0.29744718720515567},{"text":"And then once your Centrelink has been assessed, we'll start to just pull them back a little bit.","start":1859.715,"end":1865.46,"sentiment":"neutral","sentiment_score":0.13295121449563238},{"text":"So I went back and I looked at how you had filled out the application form, and I had a look at the assessment.","start":1865.46,"end":1871.94,"sentiment":"neutral","sentiment_score":0.09038124000653625}],"sentiment":"neutral","sentiment_score":0.17934379938703318,"num_words":65,"start":1851.35,"end":1871.94},{"sentences":[{"text":"I did the math equation on both the income and the assets test for you.","start":1871.94,"end":1876.0399,"sentiment":"neutral","sentiment_score":0.0874624083439509},{"text":"What I've essentially worked out is that you're actually probably gonna be assessed under the assets test that showed to provide a lower payment.","start":1876.34,"end":1884.735,"sentiment":"neutral","sentiment_score":-0.00104082686205705},{"text":"So, essentially, they're gonna pick the one that gives you the lower the lower payment, which from my which from my calculations is the assets test.","start":1885.115,"end":1895.19,"sentiment":"neutral","sentiment_score":0.02052901337782924},{"text":"To kinda give you an idea on how we work this out and how the math equation works, and in the appendix which you'll have attached there, you can actually open that up and see.","start":1895.35,"end":1904.09,"sentiment":"neutral","sentiment_score":0.10903804738606726},{"text":"I've set it out bit by bit for you.","start":1904.5499,"end":1907.4299,"sentiment":"neutral","sentiment_score":0.12068973978360494}],"sentiment":"neutral","sentiment_score":0.06168119215466287,"num_words":109,"start":1871.94,"end":1907.4299},{"sentences":[{"text":"But how the income test and the asset test is essentially assessed, Income test first for you is that they take your your fortnightly income, Camilla.","start":1907.4299,"end":1916.1749,"sentiment":"neutral","sentiment_score":0.032762542725182496},{"text":"That is set to one five for the moment.","start":1916.235,"end":1918.255,"sentiment":"neutral","sentiment_score":0.04796576789683766},{"text":"They then look at your financial assets.","start":1918.475,"end":1921.0349,"sentiment":"neutral","sentiment_score":0.021981503814458847},{"text":"The financial assets for yourselves are the shares that you do hold with AMP, the funds in your bank account there, and also your super.","start":1921.0349,"end":1927.9801,"sentiment":"neutral","sentiment_score":0.04053699344396591},{"text":"I've assessed your super balance after the 87,000 drawdown for you as well.","start":1928.52,"end":1932.92,"sentiment":"neutral","sentiment_score":0.017865764836852368}],"sentiment":"neutral","sentiment_score":0.033538354095071554,"num_words":80,"start":1907.4299,"end":1932.92},{"sentences":[{"text":"So it's actually gonna be a less of a super balance than what you've declared them currently.","start":1932.92,"end":1938.14,"sentiment":"neutral","sentiment_score":-0.10582720751271528},{"text":"But they essentially look at this and these assets are deemed.","start":1939.655,"end":1943.995,"sentiment":"neutral","sentiment_score":-0.003810078667646105},{"text":"So they're not gonna look and assess at the $800 that you're drawing down out of the pension account on a weekly basis.","start":1944.455,"end":1950.63,"sentiment":"neutral","sentiment_score":-0.06745529304380002},{"text":"They're deeming a certain rate of return that your investments can receive.","start":1950.95,"end":1954.97,"sentiment":"neutral","sentiment_score":0.08020588383078575},{"text":"Because you're a couple, they deem the first 106,200 of your financial assets at a rate of 1.25%, and then everything over that is deemed at 3.25.","start":1955.43,"end":1968.0249,"sentiment":"neutral","sentiment_score":0.06549011281243076}],"sentiment":"neutral","sentiment_score":-0.007352683124028974,"num_words":90,"start":1932.92,"end":1968.0249},{"sentences":[{"text":"So I took your initial your balance after we take your current balance now, subtract out the 87,000.","start":1968.4049,"end":1974.745,"sentiment":"neutral","sentiment_score":0.022179095902376704},{"text":"We end up with a balance owing of about 690,005 oh, sorry.","start":1975.205,"end":1979.88,"sentiment":"neutral","sentiment_score":-0.01242935451834152},{"text":"No.","start":1979.88,"end":1980.36,"sentiment":"neutral","sentiment_score":-0.14177148044109344},{"text":"$6.06 my apologies.","start":1980.36,"end":1983.7999,"sentiment":"neutral","sentiment_score":-0.1949151506026586},{"text":"I'm looking at the wrong page.","start":1983.7999,"end":1985.1799,"sentiment":"neutral","sentiment_score":-0.1590041865905126}],"sentiment":"neutral","sentiment_score":-0.035761764494236556,"num_words":40,"start":1968.4049,"end":1985.1799},{"sentences":[{"text":"We have a balance of $6.06 $67.09 $9.07 after we take out the 87,000.","start":1985.96,"end":1994.615,"sentiment":"neutral","sentiment_score":0.0027449656959756146},{"text":"So it's taking your current super balance, subtracting 87,000, and then adding that balance to your other financial assets, so your shares, your bank accounts.","start":1994.615,"end":2004.555,"sentiment":"neutral","sentiment_score":0.04277610883116722},{"text":"We ended up with 690,598 and 60¢.","start":2005.2,"end":2009.78,"sentiment":"neutral","sentiment_score":0.06503845068315665},{"text":"We then subtract off the deeming amount there, the 106,200.","start":2009.84,"end":2015.86,"sentiment":"neutral","sentiment_score":0.05977191440761089},{"text":"We apply the 1.25%, and then anything over that, which worked out to be a 584,398 is being the 3.25%.","start":2016.08,"end":2025.855,"sentiment":"neutral","sentiment_score":0.09467282854020595}],"sentiment":"neutral","sentiment_score":0.05318984879336009,"num_words":76,"start":1985.96,"end":2025.855},{"sentences":[{"text":"And that tells us how much income that Centrelink will assess you under the income test.","start":2025.995,"end":2031.615,"sentiment":"neutral","sentiment_score":0.12120075384154916},{"text":"We add that to, Camilla, your fortnightly income, convert it all to a fortnightly amount, and then subtract that from the the maximum you're able to earn, which is $380 on a fortnightly basis.","start":2031.8351,"end":2045.0,"sentiment":"neutral","sentiment_score":0.08438251266146407},{"text":"And then we take the amount the amount over the $3.80.","start":2045.3,"end":2050.385,"sentiment":"neutral","sentiment_score":0.07706899297508327},{"text":"We take that away from the full pension payment of $905.20 per fortnight, and that essentially gives us the total amount that you're able to receive for the income test, which essentially is about a $187.93 per fortnight.","start":2050.685,"end":2067.0498,"sentiment":"neutral","sentiment_score":0.1263169599206824},{"text":"So it gives you a part pension, and it's estimated that you'll be able to receive a $187.93 per fortnight from the age pension, which gives you access to the pension card and all the additional benefits with that.","start":2067.0498,"end":2080.985,"sentiment":"neutral","sentiment_score":0.1887049634869282}],"sentiment":"neutral","sentiment_score":0.12909793092504793,"num_words":138,"start":2025.995,"end":2080.985},{"sentences":[{"text":"Okay?","start":2080.985,"end":2081.485,"sentiment":"neutral","sentiment_score":0.06933639943599701},{"text":"Yeah.","start":2083.3052,"end":2083.705,"sentiment":"neutral","sentiment_score":-0.18409383296966553},{"text":"It's a lot.","start":2083.705,"end":2084.425,"sentiment":"negative","sentiment_score":-0.34049588441848755},{"text":"I'm sorry.","start":2084.425,"end":2085.165,"sentiment":"neutral","sentiment_score":-0.3156553655862808},{"text":"It is a lot.","start":2090.92,"end":2091.72,"sentiment":"neutral","sentiment_score":0.07905633933842182}],"sentiment":"neutral","sentiment_score":-0.13193913278254596,"num_words":11,"start":2080.985,"end":2091.72},{"sentences":[{"text":"It is a lot.","start":2091.72,"end":2092.3599,"sentiment":"neutral","sentiment_score":0.04957917332649231},{"text":"We've stepped it out bit by bit for you there.","start":2092.3599,"end":2094.7,"sentiment":"neutral","sentiment_score":0.09418327808380127},{"text":"In order to look at the assets test, essentially, they look at the total asset value, your super balance, the bank account balances, your shares.","start":2094.92,"end":2102.675,"sentiment":"neutral","sentiment_score":0.05249227836728096},{"text":"They also take into account the two vehicles and your contents there as well.","start":2103.0552,"end":2107.235,"sentiment":"neutral","sentiment_score":0.044496653601527214},{"text":"Your income is not assessed under the assets test.","start":2107.7751,"end":2110.2551,"sentiment":"neutral","sentiment_score":-0.0022410742110676235}],"sentiment":"neutral","sentiment_score":0.049278063158835136,"num_words":62,"start":2091.72,"end":2110.2551},{"sentences":[{"text":"They essentially add all of that together, and then they subtract that away from the minimum threshold, which is currently 481,500.","start":2110.2551,"end":2119.5198,"sentiment":"neutral","sentiment_score":-0.005750260848019805},{"text":"That gives them a total of how much is over the minimum threshold.","start":2120.7798,"end":2124.7998,"sentiment":"neutral","sentiment_score":0.008283369816266574},{"text":"Under the assets test, essentially, for every 1,000 over the minimum threshold, we lose about $78 per year, which is $3 per week.","start":2125.5,"end":2134.365,"sentiment":"neutral","sentiment_score":-0.003939720599547676},{"text":"So we take that amount.","start":2134.365,"end":2135.4849,"sentiment":"neutral","sentiment_score":0.04550605714321136},{"text":"We divide that by a thousand, then we multiply that by three, and that gives us how much you lose.","start":2135.4849,"end":2140.2249,"sentiment":"neutral","sentiment_score":0.05434856386855245}],"sentiment":"neutral","sentiment_score":0.014766052671958034,"num_words":82,"start":2110.2551,"end":2140.2249},{"sentences":[{"text":"We subtract that from the total full pension amount, and that leaves you with how much you would be estimated to receive.","start":2140.365,"end":2145.9849,"sentiment":"neutral","sentiment_score":0.053549447266215626},{"text":"Under the assets test, you were oh, sorry.","start":2146.99,"end":2149.3901,"sentiment":"neutral","sentiment_score":-0.019852306693792343},{"text":"Under the sorry.","start":2149.3901,"end":2156.35,"sentiment":"neutral","sentiment_score":-0.10884380092223485},{"text":"My computer just froze on me.","start":2156.35,"end":2158.125,"sentiment":"negative","sentiment_score":-0.43959395090738934},{"text":"Under the assets test, you were able to receive about a hunt $187.93.","start":2159.885,"end":2165.405,"sentiment":"neutral","sentiment_score":0.019744653398027785}],"sentiment":"neutral","sentiment_score":-0.03246433130250527,"num_words":52,"start":2140.365,"end":2165.405},{"sentences":[{"text":"Under the income test, you were actually eligible for about 329.","start":2165.405,"end":2169.805,"sentiment":"neutral","sentiment_score":0.08796432546593926},{"text":"So because the assets test provides you with a lower rate of pension payment, that's the one they're probably gonna go with.","start":2169.805,"end":2176.68,"sentiment":"neutral","sentiment_score":0.10954218967394395},{"text":"Okay?","start":2176.74,"end":2177.24,"sentiment":"neutral","sentiment_score":0.104042187333107},{"text":"Beautiful.","start":2179.38,"end":2179.88,"sentiment":"positive","sentiment_score":0.5234099626541138},{"text":"All good.","start":2180.42,"end":2181.16,"sentiment":"positive","sentiment_score":0.4924672544002533}],"sentiment":"neutral","sentiment_score":0.13486276788486018,"num_words":37,"start":2165.405,"end":2181.16},{"sentences":[{"text":"It's a lot.","start":2181.6199,"end":2182.42,"sentiment":"neutral","sentiment_score":0.17791524529457092},{"text":"I know that, and I'm so sorry.","start":2182.42,"end":2183.96,"sentiment":"neutral","sentiment_score":-0.06335179348077093},{"text":"Oh, that's okay.","start":2192.875,"end":2193.915,"sentiment":"neutral","sentiment_score":0.034614172453681626},{"text":"I try to sort of give you a bit of context on how we get to the figures that we do, but it is a lot to go through.","start":2193.915,"end":2200.155,"sentiment":"neutral","sentiment_score":-0.036671274181069996},{"text":"It is not easy.","start":2200.155,"end":2201.2952,"sentiment":"neutral","sentiment_score":-0.26184137910604477}],"sentiment":"neutral","sentiment_score":-0.04166753845208365,"num_words":46,"start":2181.6199,"end":2201.2952},{"sentences":[{"text":"And, look, I always kind of make sure I let you know that I do this manually.","start":2201.96,"end":2205.9,"sentiment":"neutral","sentiment_score":-0.04691525132340543},{"text":"Centrelink don't do this manually.","start":2206.5198,"end":2208.1199,"sentiment":"neutral","sentiment_score":-0.02887909011915326},{"text":"They input everything into a computer, and a computer tells them how to you know, what's gonna happen, which is kind of interesting because I did this in less than thirteen weeks.","start":2208.1199,"end":2217.105,"sentiment":"neutral","sentiment_score":-0.0414031672407873},{"text":"So you think a computer should be able to do their assessment less than thirteen weeks too.","start":2217.185,"end":2220.865,"sentiment":"neutral","sentiment_score":0.044902993256554884},{"text":"But but yeah.","start":2220.865,"end":2224.225,"sentiment":"neutral","sentiment_score":0.060109841326872505}],"sentiment":"neutral","sentiment_score":-0.017880752235902724,"num_words":74,"start":2201.96,"end":2224.225},{"sentences":[{"text":"So they assess you under both those tests.","start":2224.225,"end":2226.385,"sentiment":"neutral","sentiment_score":0.16155311465263367},{"text":"As I kinda mentioned, the asset test is the one that provides you with the lower payment, so that's the one they're going to probably assess you under.","start":2226.385,"end":2234.37,"sentiment":"neutral","sentiment_score":0.1804351500634636},{"text":"It's it's kind of interesting.","start":2235.31,"end":2236.6702,"sentiment":"neutral","sentiment_score":0.10217670947313309},{"text":"You would think that they're gonna assess you under the income test because you're getting still income regularly, but it doesn't tend to work that way.","start":2236.6702,"end":2243.6501,"sentiment":"neutral","sentiment_score":0.046644145193008274},{"text":"I did look at, obviously, looking at maybe sheltering a bit more money and putting some more money, say, into your account, Camilla, or putting some money into other areas.","start":2244.9248,"end":2254.1448,"sentiment":"neutral","sentiment_score":0.048603629941741625}],"sentiment":"neutral","sentiment_score":0.09820978700653794,"num_words":97,"start":2224.225,"end":2254.1448},{"sentences":[{"text":"I discounted that solely because to start with, this assessment is still giving you a part pension.","start":2254.525,"end":2260.305,"sentiment":"neutral","sentiment_score":0.12446713491397746},{"text":"So long as the the house is fully exempt, it's still giving you a part pension entitlement.","start":2261.0,"end":2265.5,"sentiment":"neutral","sentiment_score":0.25437377656207366},{"text":"And, Camilla, you're 60, so you've still got quite a bit of time ahead of you there.","start":2265.96,"end":2270.38,"sentiment":"neutral","sentiment_score":0.07585981948410764},{"text":"And your super is not assessable by Centrelink until you reach the age of 67.","start":2270.52,"end":2276.22,"sentiment":"neutral","sentiment_score":-0.05239929979046186},{"text":"So depending on how things track down the down the road, we are going to have to down the track look at sheltering money in other ways.","start":2276.685,"end":2284.0652,"sentiment":"neutral","sentiment_score":-0.09882521505157153}],"sentiment":"neutral","sentiment_score":0.04597464648465956,"num_words":93,"start":2254.525,"end":2284.0652},{"sentences":[{"text":"And there are ways of sheltering, but sheltering now means we are locking the funds away.","start":2284.7651,"end":2288.845,"sentiment":"neutral","sentiment_score":-0.23845638055354357},{"text":"So if we were to move the funds from Neil's super into yours because you're still working, there are limitations around accessibility.","start":2288.845,"end":2296.15,"sentiment":"neutral","sentiment_score":-0.2669128860262307},{"text":"So we'd be locking it away till you turn 65 unless you were to stop working.","start":2296.6099,"end":2301.43,"sentiment":"neutral","sentiment_score":-0.2449372038245201},{"text":"If we were to look at things like funeral bonds or annuities, which also are great for Centrelink sheltering, we would be locking the funds away.","start":2301.81,"end":2309.865,"sentiment":"neutral","sentiment_score":-0.2878092905649772},{"text":"So we're better off to do that down the track when we are assessing you both as a unit and when your super then becomes accessible to, you know, look at how to maximize things down the track for you.","start":2309.865,"end":2321.8052,"sentiment":"neutral","sentiment_score":0.05195513069629669}],"sentiment":"neutral","sentiment_score":-0.15842680974553028,"num_words":120,"start":2284.7651,"end":2321.8052},{"sentences":[{"text":"And for now, just starting off simple, moving into pension, paying down the mortgage, getting a part pension to start with, and then just making sure that you're you're covering your weekly expenditure.","start":2322.0251,"end":2333.84,"sentiment":"neutral","sentiment_score":0.21933818337592212},{"text":"You've got your income as a separate amount for the buffer, but also making sure that if you need large sums of money, you know, we still have bills coming in.","start":2334.06,"end":2343.055,"sentiment":"neutral","sentiment_score":0.0512655271036971},{"text":"There's still rates to pay.","start":2343.055,"end":2344.255,"sentiment":"neutral","sentiment_score":-0.027865656465291978},{"text":"You might want holidays or might wanna buy a new car or something down the track.","start":2344.255,"end":2348.275,"sentiment":"neutral","sentiment_score":0.012789412750862539},{"text":"That keeping Neil's Neil's super working allows you guys to draw down, you know, additional lump sums if you need them as well, whereas moving that money back reduces how much is in his pension working harder.","start":2348.4949,"end":2360.74,"sentiment":"neutral","sentiment_score":0.19053081564001134}],"sentiment":"neutral","sentiment_score":0.1306748679671131,"num_words":122,"start":2322.0251,"end":2360.74},{"sentences":[{"text":"And that also then means that if you take lump sums down the track, it provides more of a disadvantage.","start":2361.6,"end":2366.835,"sentiment":"neutral","sentiment_score":-0.14717819336801768},{"text":"We're taking more chunks out of the super, which reduces longevity of it.","start":2366.8948,"end":2371.2148,"sentiment":"neutral","sentiment_score":-0.18408670792212853},{"text":"So I wanted to just look at getting a part pension now, give you guys the access to the pension, but also making sure that that you have access to additional funds when you need them because things can come up, life can change, and Neil's sleep is where you'll be able to take that money from.","start":2371.2148,"end":2388.24,"sentiment":"neutral","sentiment_score":0.21407447925262285},{"text":"So, yep, that's okay.","start":2388.24,"end":2393.305,"sentiment":"neutral","sentiment_score":0.19999374449253082},{"text":"So with this to start with, we'll be drawing out the $6.86 on a weekly basis there or the 7 $17.36 per fortnight.","start":2394.085,"end":2402.105,"sentiment":"neutral","sentiment_score":0.13810887932777405}],"sentiment":"neutral","sentiment_score":0.09266695256034534,"num_words":117,"start":2361.6,"end":2402.105},{"sentences":[{"text":"It's completely up to you how you want it weekly or fortnightly.","start":2402.48,"end":2405.6199,"sentiment":"neutral","sentiment_score":0.19317478934923807},{"text":"We can work it either way within the pension fund for you.","start":2405.8398,"end":2409.6199,"sentiment":"neutral","sentiment_score":0.1604601281384627},{"text":"Once the Centrelink assessment comes through, essentially, we wanna just reduce that back a little bit.","start":2410.4,"end":2416.635,"sentiment":"neutral","sentiment_score":0.08000597008503973},{"text":"So by being under the assets test and getting the $1.87 93 per fortnight from Centrelink, we can then reduce your pension payments out of your pension account to $7.74 and 4¢.","start":2416.715,"end":2430.81,"sentiment":"neutral","sentiment_score":0.10069475851712688},{"text":"That still gives you the fortnightly income amount of the $17.36.","start":2431.21,"end":2436.35,"sentiment":"neutral","sentiment_score":0.14357303082942963}],"sentiment":"neutral","sentiment_score":0.12468969980936224,"num_words":83,"start":2402.48,"end":2436.35},{"sentences":[{"text":"It just means you draw a little bit less out of super, which provides a bit more longevity to your super there.","start":2436.57,"end":2442.35,"sentiment":"neutral","sentiment_score":0.12576567178422754},{"text":"Okay?","start":2442.4102,"end":2442.9102,"sentiment":"neutral","sentiment_score":0.05415897071361542},{"text":"Beautiful.","start":2445.1948,"end":2445.6948,"sentiment":"positive","sentiment_score":0.4658772647380829},{"text":"This is a lot, and I understand that.","start":2446.4749,"end":2448.315,"sentiment":"neutral","sentiment_score":0.23455902840942144},{"text":"Do you guys have any questions for me at the moment?","start":2448.315,"end":2450.555,"sentiment":"neutral","sentiment_score":0.08124805749817328}],"sentiment":"neutral","sentiment_score":0.14086236917348796,"num_words":43,"start":2436.57,"end":2450.555},{"sentences":[{"text":"Did you wanna break me to break anything more down for you?","start":2450.555,"end":2454.255,"sentiment":"neutral","sentiment_score":0.04603704592833916},{"text":"Yeah.","start":2459.85,"end":2460.35,"sentiment":"neutral","sentiment_score":0.33236581087112427},{"text":"That's all good.","start":2463.05,"end":2464.25,"sentiment":"neutral","sentiment_score":0.3102189265191555},{"text":"As I said, after this, you'll take you can take some time to read through the advice document, read through the appendices, come back, and let me know if you do have any questions.","start":2464.25,"end":2472.365,"sentiment":"neutral","sentiment_score":0.08963328961502104},{"text":"I've outlined all the math for you, laid it down, added all the research information for you, and just let me know if there are any additional questions or if there's anything that you do wanna look at changing.","start":2472.365,"end":2482.785,"sentiment":"neutral","sentiment_score":0.1701951808272264}],"sentiment":"neutral","sentiment_score":0.1292203487723731,"num_words":89,"start":2450.555,"end":2482.785},{"sentences":[{"text":"If it comes back in Centrelink assessing slightly differently, that's absolutely okay.","start":2483.4,"end":2487.88,"sentiment":"neutral","sentiment_score":0.13906324468553066},{"text":"We can adjust the pension payments to, you know, coordinate, and we can also if they come back and jump up and down about the main primary residence exemption, then we can always look at sheltering money or look at altering the plan.","start":2487.88,"end":2500.865,"sentiment":"neutral","sentiment_score":0.09441389541986377},{"text":"So moving forward with this advice does not in any way, shape, or form restrict us from to making change to that at any point in time.","start":2500.865,"end":2508.7852,"sentiment":"neutral","sentiment_score":0.04900854950149854},{"text":"The advice is very liquid.","start":2508.7852,"end":2510.145,"sentiment":"neutral","sentiment_score":0.06180197075009346},{"text":"It can be altered and changed as we need to.","start":2510.145,"end":2512.95,"sentiment":"neutral","sentiment_score":0.102149548381567}],"sentiment":"neutral","sentiment_score":0.0864153877668774,"num_words":97,"start":2483.4,"end":2512.95},{"sentences":[{"text":"Okay?","start":2512.95,"end":2513.45,"sentiment":"neutral","sentiment_score":0.06495578587055206},{"text":"Perfect.","start":2515.83,"end":2516.33,"sentiment":"positive","sentiment_score":0.5835880637168884},{"text":"Excellent.","start":2516.71,"end":2517.21,"sentiment":"positive","sentiment_score":0.5579198598861694},{"text":"That's essentially the bulk of the advice for you.","start":2518.1501,"end":2520.47,"sentiment":"neutral","sentiment_score":0.1296631039844619},{"text":"I won't go through too many more numbers.","start":2520.47,"end":2522.47,"sentiment":"neutral","sentiment_score":0.015891464427113533}],"sentiment":"neutral","sentiment_score":0.12502816803753375,"num_words":20,"start":2512.95,"end":2522.47},{"sentences":[{"text":"You probably both it's still early there.","start":2522.47,"end":2524.23,"sentiment":"neutral","sentiment_score":0.014070714158671243},{"text":"You're probably both hanging out for a a coffee.","start":2524.23,"end":2532.0852,"sentiment":"neutral","sentiment_score":0.04214798514213827},{"text":"And then and then I'll try numbers at you both.","start":2532.385,"end":2535.5251,"sentiment":"neutral","sentiment_score":0.04627910405397415},{"text":"The other thing we do wanna look at is the the beneficiary side of things.","start":2538.145,"end":2543.56,"sentiment":"neutral","sentiment_score":0.043847435836990675},{"text":"So, Neil, because we are opening up a pension account for you, you have your beneficiary nomination, your super.","start":2543.56,"end":2549.88,"sentiment":"neutral","sentiment_score":0.04162004433180157}],"sentiment":"neutral","sentiment_score":0.03981850476314624,"num_words":60,"start":2522.47,"end":2549.88},{"sentences":[{"text":"We need to make sure one is applied to the pension account as well.","start":2549.88,"end":2553.02,"sentiment":"neutral","sentiment_score":0.036323277545826774},{"text":"I'm recommending that we actually apply a reversionary beneficiary for you.","start":2553.16,"end":2557.5251,"sentiment":"neutral","sentiment_score":0.047989648512818596},{"text":"So it's a bit different to the way a normal beneficiary works.","start":2557.5251,"end":2560.645,"sentiment":"neutral","sentiment_score":-0.0022549128237490854},{"text":"Normally, you have what's called a binding lapsing or a binding non lapsing beneficiary.","start":2560.645,"end":2564.665,"sentiment":"neutral","sentiment_score":0.0017318340666991258},{"text":"That essentially, in the event of you passing, means that your spouse needs to go through a claim.","start":2565.205,"end":2569.705,"sentiment":"neutral","sentiment_score":0.015588167123496532}],"sentiment":"neutral","sentiment_score":0.019046170297888635,"num_words":69,"start":2549.88,"end":2569.705},{"sentences":[{"text":"In pension phase, we get access to some cooler beneficiary nominations.","start":2570.24,"end":2574.9,"sentiment":"neutral","sentiment_score":0.051232018931345505},{"text":"Sorry.","start":2575.04,"end":2575.44,"sentiment":"neutral","sentiment_score":-0.09935229271650314},{"text":"I'm definitely an adviser.","start":2575.44,"end":2576.64,"sentiment":"neutral","sentiment_score":-0.1118371207267046},{"text":"I do apologize.","start":2576.64,"end":2577.46,"sentiment":"neutral","sentiment_score":-0.11898319919904073},{"text":"It's cool to me.","start":2577.92,"end":2578.98,"sentiment":"neutral","sentiment_score":0.07347856275737286}],"sentiment":"neutral","sentiment_score":-0.002007996258528337,"num_words":23,"start":2570.24,"end":2578.98},{"sentences":[{"text":"With a reversionary beneficiary, they're only available in pension account, and it can only be paid to your spouse.","start":2579.52,"end":2585.78,"sentiment":"neutral","sentiment_score":-0.018669006194135074},{"text":"And it means that if anything happens, once you're in pension phase with your pension being paid down, if you were to pass away, your pension payments would continue to be paid to Camilla with no stopping.","start":2586.045,"end":2598.545,"sentiment":"neutral","sentiment_score":0.15079772814705567},{"text":"Under a normal, beneficiary nomination, whether it be binding or nonbinding, the pension payments after your passing would essentially stop, and, Camilla, you would have to claim on the on the super or the pension account and have that transferred into your name.","start":2599.26,"end":2616.0452,"sentiment":"neutral","sentiment_score":0.13863719254732132},{"text":"With a yeah.","start":2616.5852,"end":2617.8652,"sentiment":"neutral","sentiment_score":0.14288089672724405},{"text":"With a reversionary beneficiary, if you're getting that $868 or the $7.74 on a regular weekly basis and Neil was to pass away, those pension payments just continue.","start":2617.8652,"end":2629.32,"sentiment":"neutral","sentiment_score":0.0988819572542395}],"sentiment":"neutral","sentiment_score":0.11064262766605959,"num_words":130,"start":2579.52,"end":2629.32},{"sentences":[{"text":"They're still doing all the claiming the back end, but it means that you don't miss out on those additional funds, which because you still have, you know, your expenditure, you've got life and fuel and groceries and everything else that goes into that.","start":2629.7,"end":2642.385,"sentiment":"neutral","sentiment_score":0.3095204457640648},{"text":"Just because one person passes away, doesn't mean your bills stop at the same time.","start":2642.625,"end":2647.745,"sentiment":"neutral","sentiment_score":0.18914371182521184},{"text":"So it does allow you to continue to receive that, pension payment on a regular basis.","start":2647.745,"end":2652.885,"sentiment":"positive","sentiment_score":0.5216750483959913},{"text":"It doesn't stop in any way, and they still just go through the claims process in the background whilst they transfer everything into your name.","start":2653.105,"end":2660.44,"sentiment":"neutral","sentiment_score":0.26692467868328096},{"text":"So it's a really cool way of just making sure that everything is, you know, dotted, that you're still able to access those funds when needed, and making sure that you're supported even through the time.","start":2660.44,"end":2671.9048,"sentiment":"positive","sentiment_score":0.6019654431276851}],"sentiment":"positive","sentiment_score":0.39078477194861455,"num_words":136,"start":2629.7,"end":2671.9048},{"sentences":[{"text":"And sometimes it's the most expensive time I do know going through.","start":2671.9048,"end":2675.9248,"sentiment":"neutral","sentiment_score":-0.30730406381189823},{"text":"I mean, I'm 41 now, so, unfortunately, I'm at the point where a lot of people I've known for years and years are at that passing stage and, unfortunately, going to a lot of funerals at the moment.","start":2676.4648,"end":2685.8298,"sentiment":"neutral","sentiment_score":-0.25258304061074005},{"text":"So, you know, it is it is something you think about.","start":2685.8298,"end":2688.47,"sentiment":"neutral","sentiment_score":-0.07718776301904158},{"text":"And families actually find it's a lot more expensive at the time people are coming in.","start":2688.47,"end":2693.3499,"sentiment":"neutral","sentiment_score":-0.2695469353348017},{"text":"You've got expenditure.","start":2693.3499,"end":2694.3298,"sentiment":"neutral","sentiment_score":-0.22139039635658264}],"sentiment":"neutral","sentiment_score":-0.23889739820733666,"num_words":80,"start":2671.9048,"end":2694.3298},{"sentences":[{"text":"You might be taking time off work, and you're buying food and paying for everything for the funeral and things like that.","start":2694.47,"end":2700.775,"sentiment":"neutral","sentiment_score":-0.20629314197735352},{"text":"So it can be more of an expensive time frame.","start":2700.775,"end":2703.4949,"sentiment":"neutral","sentiment_score":-0.25565662384033205},{"text":"So continuing those pension payments there just protects you and looks after you whilst you're going through that time.","start":2703.4949,"end":2710.1548,"sentiment":"neutral","sentiment_score":0.13083415007904955},{"text":"In saying that, Neil, I hope nothing happens.","start":2710.53,"end":2713.09,"sentiment":"neutral","sentiment_score":0.054134412202984095},{"text":"I'm touching all the wood possible.","start":2713.09,"end":2714.87,"sentiment":"positive","sentiment_score":0.4215940584739049}],"sentiment":"neutral","sentiment_score":-0.02533118249132083,"num_words":65,"start":2694.47,"end":2714.87},{"sentences":[{"text":"I want you to live and enjoy the next thirty to forty years of your retirement.","start":2714.93,"end":2718.95,"sentiment":"positive","sentiment_score":0.6663482822477818},{"text":"Okay?","start":2719.57,"end":2720.07,"sentiment":"positive","sentiment_score":0.48971107602119446},{"text":"Beautiful.","start":2726.2249,"end":2726.7249,"sentiment":"positive","sentiment_score":0.7577114105224609},{"text":"Beautiful.","start":2727.1848,"end":2727.6848,"sentiment":"positive","sentiment_score":0.6991009712219238},{"text":"But, look, that's essentially all the stages of the advice there.","start":2728.545,"end":2732.165,"sentiment":"neutral","sentiment_score":0.09315568479624661}],"sentiment":"positive","sentiment_score":0.4544269502162933,"num_words":30,"start":2714.93,"end":2732.165},{"sentences":[{"text":"I the only other thing I need to point out to you, Neil, is that you do pay an ongoing service fee for having us as your advisers.","start":2732.545,"end":2738.76,"sentiment":"neutral","sentiment_score":0.010428824378842754},{"text":"You pay 1.65% per annum.","start":2738.76,"end":2741.42,"sentiment":"neutral","sentiment_score":0.015053759329020977},{"text":"That is capped at balance of those 600,000.","start":2742.12,"end":2744.68,"sentiment":"neutral","sentiment_score":0.016321138245984912},{"text":"So it's capped at 9,900.","start":2744.68,"end":2747.24,"sentiment":"neutral","sentiment_score":0.005992806702852249},{"text":"We don't charge 1.65% of anything over above that 600,000 balance, so it is capped for you.","start":2747.24,"end":2754.575,"sentiment":"neutral","sentiment_score":-0.0019300566876635833}],"sentiment":"neutral","sentiment_score":0.007857111984834311,"num_words":63,"start":2732.545,"end":2754.575},{"sentences":[{"text":"Camilla, down the track, if you decide you want me to look at your super, look at doing joint advice and, you know, helping you along, we absolutely can do so.","start":2755.195,"end":2763.835,"sentiment":"neutral","sentiment_score":0.17585910616382475},{"text":"If you decide to come on as a client, we do reduce Neil's fee to 1.1% ongoing, and yours is also of that reflection.","start":2763.835,"end":2773.3599,"sentiment":"neutral","sentiment_score":0.12036870621765654},{"text":"We join couples together and have a coupling fee.","start":2773.42,"end":2776.24,"sentiment":"neutral","sentiment_score":0.10437825239366955},{"text":"There is an implementation fee for doing that, but we can kinda go through that in a bit more detail when and if you're ready to do so.","start":2776.6199,"end":2782.935,"sentiment":"neutral","sentiment_score":0.07576780207455158},{"text":"I don't want ever want anyone to feel pushed or rushed into things.","start":2782.935,"end":2786.7751,"sentiment":"neutral","sentiment_score":-0.19198598684026644}],"sentiment":"neutral","sentiment_score":0.0848149156286603,"num_words":105,"start":2755.195,"end":2786.7751},{"sentences":[{"text":"Advice is a personal decision.","start":2786.7751,"end":2788.5552,"sentiment":"neutral","sentiment_score":-0.11503316760063172},{"text":"So Yeah.","start":2788.7751,"end":2791.5151,"sentiment":"neutral","sentiment_score":-0.041728089563548565},{"text":"Absolutely.","start":2794.47,"end":2794.97,"sentiment":"neutral","sentiment_score":0.0027496740221977234},{"text":"Absolutely.","start":2801.83,"end":2802.33,"sentiment":"neutral","sentiment_score":0.16881541907787323},{"text":"Perfect.","start":2803.67,"end":2804.17,"sentiment":"positive","sentiment_score":0.5839042663574219}],"sentiment":"neutral","sentiment_score":0.009684734232723712,"num_words":10,"start":2786.7751,"end":2804.17},{"sentences":[{"text":"I definitely agree with that.","start":2804.31,"end":2805.75,"sentiment":"positive","sentiment_score":0.5776669144630432},{"text":"That's absolutely fine.","start":2805.75,"end":2806.8699,"sentiment":"positive","sentiment_score":0.4738361934820811},{"text":"And I'm here to always have a conversation with you If you wanna start by just talking to me about what you're after, what you want, and we can have a general conversation, then we can kinda go from there.","start":2806.8699,"end":2816.775,"sentiment":"neutral","sentiment_score":0.2205237127840519},{"text":"But, yeah, when you're ready, you let me know.","start":2816.775,"end":2818.855,"sentiment":"neutral","sentiment_score":0.18052007423506844},{"text":"I'll make time to have a chat.","start":2818.855,"end":2820.555,"sentiment":"neutral","sentiment_score":0.28531103687626974}],"sentiment":"neutral","sentiment_score":0.26176014984957874,"num_words":64,"start":2804.31,"end":2820.555},{"sentences":[{"text":"As I said, I love this.","start":2820.695,"end":2821.7349,"sentiment":"positive","sentiment_score":0.4880557395517826},{"text":"I'm probably the happiest person on the planet talk about beneficiary nominations and super and pension and do math equations.","start":2821.7349,"end":2827.82,"sentiment":"positive","sentiment_score":0.4341379672288895},{"text":"So more than happy to help you whenever you need, but I really enjoyed putting this advice together.","start":2829.0,"end":2834.04,"sentiment":"positive","sentiment_score":0.7866493927107917},{"text":"I do apologize that I had to push it back a week to make sure the research was done correctly.","start":2834.04,"end":2838.6199,"sentiment":"neutral","sentiment_score":-0.14407452382147312},{"text":"But oh, it's all good.","start":2840.075,"end":2842.315,"sentiment":"neutral","sentiment_score":0.26082619428634646}],"sentiment":"positive","sentiment_score":0.3506293238505073,"num_words":69,"start":2820.695,"end":2842.315},{"sentences":[{"text":"But, no, thank you for getting everything correlated.","start":2842.315,"end":2844.7148,"sentiment":"positive","sentiment_score":0.3659413605928421},{"text":"You did amazing in amongst going to jury duty.","start":2844.7148,"end":2847.275,"sentiment":"positive","sentiment_score":0.7063066959381104},{"text":"I tell you what.","start":2847.275,"end":2848.255,"sentiment":"neutral","sentiment_score":0.11217453330755234},{"text":"Yeah.","start":2854.73,"end":2855.23,"sentiment":"neutral","sentiment_score":-0.000497845932841301},{"text":"Yeah.","start":2857.85,"end":2858.35,"sentiment":"neutral","sentiment_score":-0.01258475985378027}],"sentiment":"positive","sentiment_score":0.4226046380708399,"num_words":23,"start":2842.315,"end":2858.35},{"sentences":[{"text":"Wow.","start":2868.185,"end":2868.685,"sentiment":"neutral","sentiment_score":-0.09017156064510344},{"text":"It is.","start":2872.585,"end":2873.405,"sentiment":"neutral","sentiment_score":-0.09853553771972656},{"text":"Yeah.","start":2887.7349,"end":2888.2349,"sentiment":"neutral","sentiment_score":-0.009533897042274477},{"text":"Yep.","start":2893.4949,"end":2893.9949,"sentiment":"neutral","sentiment_score":0.0355338416993618},{"text":"Yeah.","start":2900.7102,"end":2901.03,"sentiment":"neutral","sentiment_score":0.0477498397231102}],"sentiment":"neutral","sentiment_score":-0.03558214195072651,"num_words":6,"start":2868.185,"end":2901.03},{"sentences":[{"text":"So on the very last page of that email, you'll have a little sign box.","start":2901.03,"end":2906.2302,"sentiment":"neutral","sentiment_score":0.06322081660230955},{"text":"Neil just needs to click and sign that, return it back to us.","start":2906.2302,"end":2909.4502,"sentiment":"neutral","sentiment_score":0.06711049951039828},{"text":"I'll then get the admin team to give him a call, get his bank information, and we'll go forward and start opening the account and getting it all sorted.","start":2909.99,"end":2918.385,"sentiment":"neutral","sentiment_score":0.1728084452193359},{"text":"One of the things I did wanna sort of point out as well is when I've done the calculations, you'll notice in the appendices, I've used different figures to what you've actually got there.","start":2919.085,"end":2928.045,"sentiment":"neutral","sentiment_score":0.05650255177170038},{"text":"So it's about once we get the pension account opened, we get the drawdown done, your balance in Super will also be different.","start":2928.045,"end":2935.6301,"sentiment":"neutral","sentiment_score":0.010435044117595839}],"sentiment":"neutral","sentiment_score":0.07888847744713227,"num_words":114,"start":2901.03,"end":2935.6301},{"sentences":[{"text":"So it's about updating Centrelink with the the Super balance after you've drawn that 87,000 out.","start":2935.6301,"end":2941.455,"sentiment":"neutral","sentiment_score":0.06286065420135856},{"text":"We will need to make sure the shares are noted there as well.","start":2942.175,"end":2945.235,"sentiment":"neutral","sentiment_score":0.06686752031628902},{"text":"But just making sure the figures are essentially in line with what we have here to get the assessment.","start":2946.095,"end":2953.155,"sentiment":"neutral","sentiment_score":0.038096434093619645},{"text":"Because at the moment, your super balance is higher than what we have noted, so the assessment could be quite different to start with.","start":2953.61,"end":2959.71,"sentiment":"neutral","sentiment_score":-0.04026258666999638},{"text":"But once we start things once I've assessed everything, we can go back and make alterations to everything.","start":2959.85,"end":2964.99,"sentiment":"neutral","sentiment_score":0.060657973711689316}],"sentiment":"neutral","sentiment_score":0.030271354731586243,"num_words":90,"start":2935.6301,"end":2964.99},{"sentences":[{"text":"But, yeah, making sure that we update them with your super balance to show that the assessment is correct, the shares get added there for you, and we'll make sure that drawdown for the 87,000 happens nice and quickly because that shelters that money fast.","start":2965.53,"end":2978.8152,"sentiment":"positive","sentiment_score":0.3652927511268192},{"text":"And they're gonna wanna see if your super balance has dropped where the money's gone to and why it's come out, and you paid off your mortgage.","start":2978.9001,"end":2986.1802,"sentiment":"neutral","sentiment_score":0.044445665535965455},{"text":"So you they'll ask the bank statements to show where that transaction has gone to.","start":2986.1802,"end":2990.52,"sentiment":"neutral","sentiment_score":0.03080286520222823},{"text":"Okay?","start":2990.6602,"end":2991.1602,"sentiment":"neutral","sentiment_score":0.04079091921448707},{"text":"Yeah.","start":2993.455,"end":2993.615,"sentiment":"neutral","sentiment_score":0.06659919768571854}],"sentiment":"neutral","sentiment_score":0.20458022320350067,"num_words":89,"start":2965.53,"end":2993.615},{"sentences":[{"text":"Okay.","start":2993.615,"end":2994.115,"sentiment":"neutral","sentiment_score":0.06331361830234528},{"text":"Yep.","start":2998.655,"end":2999.155,"sentiment":"neutral","sentiment_score":0.056698575615882874},{"text":"That's correct.","start":3002.735,"end":3003.455,"sentiment":"neutral","sentiment_score":0.1849871203303337},{"text":"That is that's you accepting all of the recommendations.","start":3003.455,"end":3006.035,"sentiment":"neutral","sentiment_score":0.20846356451511383},{"text":"If you decide there's something you wanna alter or change, there is a text box for you to write in.","start":3007.0298,"end":3011.75,"sentiment":"neutral","sentiment_score":0.09728116858750582}],"sentiment":"neutral","sentiment_score":0.13066005718075868,"num_words":33,"start":2993.615,"end":3011.75},{"sentences":[{"text":"But, yeah, if you're happy to to sign on the bottom line, accept all the recommendations, and have it all put into place, we'll just get you to sign, date, return it back to me.","start":3011.75,"end":3020.715,"sentiment":"neutral","sentiment_score":0.22322329474346977},{"text":"And I've attached all those documents to the email as an attachment so you can save them down, and you can also look at them again a bit later.","start":3021.115,"end":3028.715,"sentiment":"neutral","sentiment_score":0.22158775812592998},{"text":"It's got the statement of advice for you, the appendices, the financial services guide for us for your reference as well, and any PDF documents for hub twenty four on their pension accounts for you as well.","start":3028.715,"end":3040.59,"sentiment":"neutral","sentiment_score":0.13286712222002647},{"text":"Okay?","start":3040.59,"end":3041.09,"sentiment":"neutral","sentiment_score":0.10059241205453873},{"text":"Excellent.","start":3043.47,"end":3043.97,"sentiment":"positive","sentiment_score":0.7617647647857666}],"sentiment":"neutral","sentiment_score":0.1943427281616961,"num_words":103,"start":3011.75,"end":3043.97},{"sentences":[{"text":"That's okay.","start":3044.35,"end":3045.1702,"sentiment":"neutral","sentiment_score":0.270035482943058},{"text":"Do either of you have any questions at the moment?","start":3045.47,"end":3048.05,"sentiment":"neutral","sentiment_score":0.09614846780896187},{"text":"Absolutely.","start":3053.575,"end":3054.075,"sentiment":"positive","sentiment_score":0.35331156849861145},{"text":"Perfect.","start":3058.295,"end":3058.795,"sentiment":"positive","sentiment_score":0.7799427509307861},{"text":"Beautiful.","start":3059.015,"end":3059.515,"sentiment":"positive","sentiment_score":0.8201755881309509}],"sentiment":"neutral","sentiment_score":0.23033237010240554,"num_words":15,"start":3044.35,"end":3059.515},{"sentences":[{"text":"Thank you so much for your time today.","start":3059.575,"end":3061.255,"sentiment":"positive","sentiment_score":0.8504336625337601},{"text":"I'll let you both go to have a nice morning coffee.","start":3061.255,"end":3063.755,"sentiment":"positive","sentiment_score":0.6535997607491233},{"text":"Thank you for taking my call.","start":3063.815,"end":3065.4,"sentiment":"positive","sentiment_score":0.6538064479827881},{"text":"I'm sorry.","start":3065.4,"end":3065.88,"sentiment":"neutral","sentiment_score":-0.036466831967118196},{"text":"It's so early.","start":3065.88,"end":3066.8599,"sentiment":"neutral","sentiment_score":-0.062866756071647}],"sentiment":"positive","sentiment_score":0.5884790474752662,"num_words":30,"start":3059.575,"end":3066.8599},{"sentences":[{"text":"Okay.","start":3070.92,"end":3071.42,"sentiment":"neutral","sentiment_score":0.1791979968547821},{"text":"My pleasure.","start":3071.72,"end":3072.5999,"sentiment":"positive","sentiment_score":0.40929603576660156},{"text":"It's been a oh, not a problem, Neil.","start":3072.5999,"end":3075.0798,"sentiment":"neutral","sentiment_score":0.3287613596767187},{"text":"Are you going golfing today?","start":3075.0798,"end":3076.5398,"sentiment":"neutral","sentiment_score":0.11384463757276535},{"text":"Oh, no.","start":3081.895,"end":3082.715,"sentiment":"neutral","sentiment_score":-0.12316758558154106}],"sentiment":"neutral","sentiment_score":0.2194871645834711,"num_words":18,"start":3070.92,"end":3082.715},{"sentences":[{"text":"Oh, no.","start":3087.335,"end":3089.735,"sentiment":"neutral","sentiment_score":-0.1707022786140442},{"text":"Well, hopefully, next time you have a better one.","start":3089.735,"end":3092.555,"sentiment":"neutral","sentiment_score":0.009063368870152367},{"text":"Yeah.","start":3098.26,"end":3098.76,"sentiment":"neutral","sentiment_score":-0.04811106622219086},{"text":"Oh, are you?","start":3099.7,"end":3100.76,"sentiment":"neutral","sentiment_score":-0.003758414648473263},{"text":"Yeah.","start":3101.3801,"end":3101.8801,"sentiment":"neutral","sentiment_score":0.033364538103342056}],"sentiment":"neutral","sentiment_score":-0.017866000591311604,"num_words":16,"start":3087.335,"end":3101.8801},{"sentences":[{"text":"Wow.","start":3102.34,"end":3102.84,"sentiment":"neutral","sentiment_score":0.07402485609054565},{"text":"Yeah.","start":3105.06,"end":3105.56,"sentiment":"neutral","sentiment_score":0.2290443629026413},{"text":"Oh, all good.","start":3106.9148,"end":3107.815,"sentiment":"positive","sentiment_score":0.37875986099243164},{"text":"Well, thank you so much for your time.","start":3107.9548,"end":3109.4749,"sentiment":"positive","sentiment_score":0.6665209643542767},{"text":"I'll let you both go.","start":3109.4749,"end":3110.595,"sentiment":"positive","sentiment_score":0.43094769716262815}],"sentiment":"positive","sentiment_score":0.4959030557009909,"num_words":18,"start":3102.34,"end":3110.595},{"sentences":[{"text":"Let me know if there's any additional questions or concerns that you have.","start":3110.595,"end":3113.435,"sentiment":"neutral","sentiment_score":0.19251163934285825},{"text":"But, yeah, take your time to have a good read through that.","start":3113.435,"end":3115.875,"sentiment":"neutral","sentiment_score":0.27234483261903125},{"text":"Okay?","start":3115.875,"end":3116.375,"sentiment":"neutral","sentiment_score":0.1423805058002472},{"text":"My pleasure.","start":3118.4849,"end":3119.2048,"sentiment":"positive","sentiment_score":0.7339855134487152},{"text":"Thank you so much.","start":3119.2048,"end":3120.345,"sentiment":"positive","sentiment_score":0.780602291226387}],"sentiment":"neutral","sentiment_score":0.3282359375152737,"num_words":32,"start":3110.595,"end":3120.345},{"sentences":[{"text":"See you later.","start":3120.565,"end":3121.305,"sentiment":"positive","sentiment_score":0.528672436873118},{"text":"Bye.","start":3122.9648,"end":3123.4648,"sentiment":"neutral","sentiment_score":-0.08557115495204926}],"sentiment":"positive","sentiment_score":0.37511153891682625,"num_words":4,"start":3120.565,"end":3123.4648}]}}]},{"alternatives":[{"transcript":"Hello? Not bad, Dana. How are you? Yep. Yep. Neil Allen, 09/04/1959. PO Box 205. Point up with 16. Close. Point up. Not bad. Yeah. I'm here too. Thanks, Dana. Good. Thanks. Oh, yeah. It was it was in the end, it was a bit anticlimactic. We yeah. It was due to the sensitivity of the case, it was a closed court. And by the end of the week, after some legal counsel, they actually discharged our jury, And the jury, you know, sort of officer who's looking after us said it was probably in all likelihood some either some evidence had been withdrawn or or whatever, and we'd all been contaminated. So yeah. So we were discharged, and and they would obviously, I guess, go ahead with another jury at another time. But, yeah, he sort of walked away with no closure. It yeah. But it was, you know I mean, it wasn't a nice case anyway. You know, either way it went to ruin someone's life. So, yeah. But week of my life, I'll never get it back. Yes. Exactly. Yep. Good. No. No. You go. Yep. Yep. Yep. No. Still just waiting. I'm assuming they're they did say Neil handed it over in person, and they did say that thing now. So, yes, that won't be too long. Yes. Yep. Yep. Yes. Is this the statement of advice we're looking at? Yep. That's fine. Just right. Making sure I'm clicking on the right thing. Yep. Yep. Yep. Yeah. Yes. We didn't pay we yeah. I think it was with a with a changeover of something with the AMP Bank or a it was something to do with, like, years ago with the a with the AMP. But, yeah, we never bought them. They were actually gifted as part of some changeover on their behalf. Yeah. Look. I doubt it very much. But I yeah. We're talking this is probably, like, close to thirty years ago. I I don't know. I have to go way back in my archives and I but I doubt it very much. Yes. Yeah. Yep. Yeah. Mhmm. Yes. Yeah. Yeah. Yep. Yeah. Yeah. Yes. Yeah. Yeah. I didn't think I didn't know that stuff like that happened. It's tax you on everything. Yep. Yes. Absolutely. Thank you. Mhmm. Yep. Yep. Yeah. So this here, where it says retain your HUB24 Superfund, it's actually the the pension phase of the Superfund, though, isn't it talking about? Yeah. Yeah. Yep. Yep. Right. No. Not at all. Not at all. Just making sure on the right page. Yep. I'm there. Mhmm. Mhmm. Mhmm. Yes. Yes. Yep. Yep. Okay. Yep. Yep. Sure. Yeah. Yeah. Thank you. No. No. Mhmm. Yeah. Yeah. No. No. I hear you good. No. No. All good. Yep. Yeah. Yep. Good. Yeah. Yeah. Yes. Yep. Yeah. Yeah. Yep. Yep. No. It's okay. I'll be doing I guess tonight. But yeah. Yep. Yep. Yeah. Yes. Oh, no. Yeah. It's all the work. We've just got You've done amazing. Thank you. Yeah. Yes. Yeah. Yeah. Yes. Yes. Yes. Yes. Yes. Yes. Yes. Yes. Yes. Yep. Yep. Yep. Yep. No. That's good. Thanks, Dana. Yep. Yeah. Yeah. Yeah. No. No. No. That Everything's clear as well. Yep. Yes. Yes. Yep. Yep. Perfect. Perfect. Yeah. Yeah. And so far this morning. Yes. Yes. Yes. Yes. Yes. Yes. Yeah. Yes. Yes. Yes. Yep. Yep. Yes. Yeah. Yeah. No. No. I was like yeah. I've been thinking about it, and I've just I think if we just get Neil's shit sorted, then we can look at mine once this is all all sorted. Yeah. Yep. Yep. Yes. Yes. Cool. Yes. I understand. Yeah. It was it was fun. Centrelink. I had to go in just taking the forms off me. I was trying to get down at the front. Get caught up. No. Oh, no. You need to go at the back. So I just had this about there for an hour and a half to give you these forms. Yeah. It's it's just really time consuming going into that. 4p, you know. Why not? And then she said, oh, because of your super in your bank. And I said, well, I've worked at fifty two years. Yeah. No. But that doesn't it doesn't work. I've got tax. Dana, what do we do now? So we yeah. We'll have a we'll have a read through where do we find where we have to or where Neil has to rather sign to get this all started. Yep. Yep. Yep. Yep. Yep. Yep. Yes. Yes. Yep. Yep. Yep. Yep. Alright. So so, essentially, just signing on the bottom of that page 55 covers putting all the above steps in place? Yep. Yep. Yep. Yes. Yeah. Yep. Perfect, Dana. Thank you. No. No. Sorry. I think we'll just have a bit of a read through all of this, and I'll get Neil to to sign and return it to you ASAP. No. Golf yesterday. I had a really good front nine and a horrible back nine. Thought I was gonna be a winner. I was playing really well and then collapsed. I was supposed to play tomorrow, but I don't like playing in the rain. We're getting a bit of wet today. Alright. Yeah. No. It's good. We need it. So yeah. All good. Alright. Sure. Right. Thank you, Diana. Thank you, Diana. You Have a good day. Bye 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Not bad, Dana. How are you? Yep. Yep.\n\nNeil Allen, 09/04/1959. PO Box 205. Point up with 16. Close. Point up.\n\nNot bad. Yeah. I'm here too. Thanks, Dana. Good.\n\nThanks. Oh, yeah. It was it was in the end, it was a bit anticlimactic. We yeah. It was due to the sensitivity of the case, it was a closed court.\n\nAnd by the end of the week, after some legal counsel, they actually discharged our jury, And the jury, you know, sort of officer who's looking after us said it was probably in all likelihood some either some evidence had been withdrawn or or whatever, and we'd all been contaminated. So yeah. So we were discharged, and and they would obviously, I guess, go ahead with another jury at another time. But, yeah, he sort of walked away with no closure. It yeah.\n\nBut it was, you know I mean, it wasn't a nice case anyway. You know, either way it went to ruin someone's life. So, yeah. But week of my life, I'll never get it back. Yes.\n\nExactly. Yep. Good. No. No.\n\nYou go. Yep. Yep. Yep. No.\n\nStill just waiting. I'm assuming they're they did say Neil handed it over in person, and they did say that thing now. So, yes, that won't be too long. Yes. Yep.\n\nYep. Yes. Is this the statement of advice we're looking at? Yep. That's fine.\n\nJust right. Making sure I'm clicking on the right thing. Yep. Yep. Yep.\n\nYeah. Yes. We didn't pay we yeah. I think it was with a with a changeover of something with the AMP Bank or a it was something to do with, like, years ago with the a with the AMP. But, yeah, we never bought them.\n\nThey were actually gifted as part of some changeover on their behalf. Yeah. Look. I doubt it very much. But I yeah.\n\nWe're talking this is probably, like, close to thirty years ago. I I don't know. I have to go way back in my archives and I but I doubt it very much. Yes. Yeah.\n\nYep. Yeah. Mhmm. Yes. Yeah.\n\nYeah. Yep. Yeah. Yeah. Yes.\n\nYeah. Yeah. I didn't think I didn't know that stuff like that happened. It's tax you on everything. Yep.\n\nYes. Absolutely. Thank you. Mhmm. Yep.\n\nYep. Yeah. So this here, where it says retain your HUB24 Superfund, it's actually the the pension phase of the Superfund, though, isn't it talking about? Yeah. Yeah.\n\nYep. Yep. Right. No. Not at all.\n\nNot at all. Just making sure on the right page. Yep. I'm there. Mhmm.\n\nMhmm. Mhmm. Yes. Yes. Yep.\n\nYep. Okay. Yep. Yep. Sure.\n\nYeah. Yeah. Thank you. No. No.\n\nMhmm. Yeah. Yeah. No. No.\n\nI hear you good. No. No. All good. Yep.\n\nYeah. Yep. Good. Yeah. Yeah.\n\nYes. Yep. Yeah. Yeah. Yep.\n\nYep. No. It's okay. I'll be doing I guess tonight. But yeah.\n\nYep. Yep. Yeah. Yes. Oh, no.\n\nYeah. It's all the work. We've just got You've done amazing. Thank you. Yeah.\n\nYes. Yeah. Yeah. Yes. Yes.\n\nYes. Yes. Yes. Yes. Yes.\n\nYes. Yes. Yep. Yep. Yep.\n\nYep. No. That's good. Thanks, Dana. Yep.\n\nYeah. Yeah. Yeah. No. No.\n\nNo. That Everything's clear as well. Yep. Yes. Yes.\n\nYep. Yep. Perfect. Perfect. Yeah.\n\nYeah. And so far this morning. Yes. Yes. Yes.\n\nYes. Yes. Yes. Yeah. Yes.\n\nYes. Yes. Yep. Yep. Yes.\n\nYeah. Yeah. No. No. I was like yeah.\n\nI've been thinking about it, and I've just I think if we just get Neil's shit sorted, then we can look at mine once this is all all sorted. Yeah. Yep. Yep. Yes.\n\nYes. Cool. Yes. I understand. Yeah.\n\nIt was it was fun. Centrelink. I had to go in just taking the forms off me. I was trying to get down at the front. Get caught up.\n\nNo. Oh, no. You need to go at the back. So I just had this about there for an hour and a half to give you these forms. Yeah.\n\nIt's it's just really time consuming going into that. 4p, you know. Why not? And then she said, oh, because of your super in your bank. And I said, well, I've worked at fifty two years.\n\nYeah. No. But that doesn't it doesn't work. I've got tax. Dana, what do we do now?\n\nSo we yeah. We'll have a we'll have a read through where do we find where we have to or where Neil has to rather sign to get this all started. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yes. Yes.\n\nYep. Yep. Yep. Yep. Alright.\n\nSo so, essentially, just signing on the bottom of that page 55 covers putting all the above steps in place? Yep. Yep. Yep. Yes.\n\nYeah. Yep. Perfect, Dana. Thank you. No.\n\nNo. Sorry. I think we'll just have a bit of a read through all of this, and I'll get Neil to to sign and return it to you ASAP. No. Golf yesterday.\n\nI had a really good front nine and a horrible back nine. Thought I was gonna be a winner. I was playing really well and then collapsed. I was supposed to play tomorrow, but I don't like playing in the rain. We're getting a bit of wet today.\n\nAlright. Yeah. No. It's good. We need it.\n\nSo yeah. All good. Alright. Sure. Right.\n\nThank you, Diana. Thank you, Diana. You Have a good day. Bye bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.48,"end":0.98,"sentiment":"neutral","sentiment_score":0.016876447945833206},{"text":"Not bad, Dana.","start":5.68,"end":6.48,"sentiment":"neutral","sentiment_score":0.24126823246479034},{"text":"How are you?","start":6.48,"end":7.2999997,"sentiment":"neutral","sentiment_score":0.19076389571030936},{"text":"Yep.","start":14.719999,"end":15.219999,"sentiment":"neutral","sentiment_score":0.3002260625362396},{"text":"Yep.","start":42.29,"end":42.79,"sentiment":"neutral","sentiment_score":0.1514998972415924}],"sentiment":"neutral","sentiment_score":0.19607764358321825,"num_words":9,"start":0.48,"end":42.79},{"sentences":[{"text":"Neil Allen, 09/04/1959.","start":51.305,"end":53.725,"sentiment":"neutral","sentiment_score":0.012719734261433283},{"text":"PO Box 205.","start":54.025,"end":55.565002,"sentiment":"neutral","sentiment_score":0.017023663967847824},{"text":"Point up with 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so, essentially, just signing on the bottom of that page 55 covers putting all the above steps in place?","start":2993.2852,"end":3002.425,"sentiment":"neutral","sentiment_score":0.07345103919506073},{"text":"Yep.","start":3006.81,"end":3007.31,"sentiment":"neutral","sentiment_score":0.11799880117177965},{"text":"Yep.","start":3012.09,"end":3012.59,"sentiment":"neutral","sentiment_score":0.1619199812412262},{"text":"Yep.","start":3017.77,"end":3018.255,"sentiment":"neutral","sentiment_score":0.2182345390319824},{"text":"Yes.","start":3028.9749,"end":3029.4749,"sentiment":"neutral","sentiment_score":0.12147175520658492}],"sentiment":"neutral","sentiment_score":0.08702691085636616,"num_words":24,"start":2993.2852,"end":3029.4749},{"sentences":[{"text":"Yeah.","start":3031.2148,"end":3031.7148,"sentiment":"neutral","sentiment_score":0.1124410331249237},{"text":"Yep.","start":3041.62,"end":3042.12,"sentiment":"neutral","sentiment_score":0.169082373380661},{"text":"Perfect, Dana.","start":3042.18,"end":3043.3,"sentiment":"positive","sentiment_score":0.5973865985870361},{"text":"Thank you.","start":3043.3,"end":3044.04,"sentiment":"positive","sentiment_score":0.6627687215805054},{"text":"No.","start":3048.715,"end":3049.215,"sentiment":"neutral","sentiment_score":-0.14472278952598572}],"sentiment":"positive","sentiment_score":0.379587322473526,"num_words":7,"start":3031.2148,"end":3049.215},{"sentences":[{"text":"No.","start":3049.275,"end":3049.775,"sentiment":"neutral","sentiment_score":-0.1467367261648178},{"text":"Sorry.","start":3050.155,"end":3050.655,"sentiment":"neutral","sentiment_score":-0.03122418187558651},{"text":"I think we'll just have a bit of a read through all of this, and I'll get Neil to to sign and return it to you ASAP.","start":3050.715,"end":3058.175,"sentiment":"neutral","sentiment_score":0.2340957693479679},{"text":"No.","start":3076.915,"end":3077.315,"sentiment":"neutral","sentiment_score":-0.06369765102863312},{"text":"Golf yesterday.","start":3077.315,"end":3078.055,"sentiment":"neutral","sentiment_score":0.018899967893958092}],"sentiment":"neutral","sentiment_score":0.1911477234098129,"num_words":32,"start":3049.275,"end":3078.055},{"sentences":[{"text":"I had a really good front nine and a horrible back nine.","start":3078.115,"end":3080.855,"sentiment":"neutral","sentiment_score":0.27942536522944766},{"text":"Thought I was gonna be a winner.","start":3082.915,"end":3084.4348,"sentiment":"neutral","sentiment_score":-0.01872140701328005},{"text":"I was playing really well and then collapsed.","start":3084.4348,"end":3086.615,"sentiment":"neutral","sentiment_score":-0.11169847473502159},{"text":"I was supposed to play tomorrow, but I don't like playing in the rain.","start":3093.1401,"end":3097.54,"sentiment":"neutral","sentiment_score":-0.21200594838176454},{"text":"We're getting a bit of wet today.","start":3097.54,"end":3099.6401,"sentiment":"neutral","sentiment_score":-0.10176278225013188}],"sentiment":"neutral","sentiment_score":-0.028165750360737245,"num_words":48,"start":3078.115,"end":3099.6401},{"sentences":[{"text":"Alright.","start":3100.9949,"end":3101.4949,"sentiment":"neutral","sentiment_score":0.03484531491994858},{"text":"Yeah.","start":3102.355,"end":3102.4348,"sentiment":"neutral","sentiment_score":0.04916037619113922},{"text":"No.","start":3102.4348,"end":3102.9348,"sentiment":"neutral","sentiment_score":-0.06002776697278023},{"text":"It's good.","start":3103.075,"end":3103.7148,"sentiment":"neutral","sentiment_score":0.21101287752389908},{"text":"We need it.","start":3103.7148,"end":3104.515,"sentiment":"neutral","sentiment_score":0.29591841995716095}],"sentiment":"neutral","sentiment_score":0.16671986738219857,"num_words":8,"start":3100.9949,"end":3104.515},{"sentences":[{"text":"So yeah.","start":3104.515,"end":3105.315,"sentiment":"neutral","sentiment_score":0.21459852159023285},{"text":"All good.","start":3105.315,"end":3106.055,"sentiment":"positive","sentiment_score":0.36920109391212463},{"text":"Alright.","start":3106.515,"end":3107.015,"sentiment":"neutral","sentiment_score":0.2357661575078964},{"text":"Sure.","start":3113.075,"end":3113.575,"sentiment":"neutral","sentiment_score":0.12171870470046996},{"text":"Right.","start":3116.08,"end":3116.58,"sentiment":"neutral","sentiment_score":0.26949775218963623}],"sentiment":"neutral","sentiment_score":0.2563688350575311,"num_words":7,"start":3104.515,"end":3116.58},{"sentences":[{"text":"Thank you, Diana.","start":3116.8,"end":3117.68,"sentiment":"positive","sentiment_score":0.5900919437408447},{"text":"Thank you, Diana.","start":3117.68,"end":3118.58,"sentiment":"positive","sentiment_score":0.6463290452957153},{"text":"You Have a good day.","start":3119.32,"end":3121.6199,"sentiment":"positive","sentiment_score":0.5529121160507202},{"text":"Bye bye.","start":3121.92,"end":3122.66,"sentiment":"neutral","sentiment_score":0.2342159003019333}],"sentiment":"positive","sentiment_score":0.534019642151319,"num_words":13,"start":3116.8,"end":3122.66}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Neil. It's Dana from Oakview Financial. How are you this morning?\n\nChannel 1: Not bad, Dana. How are you?\n\nChannel 0: I'm very well. Thank you. I have your updated statement of advice to run through with you this morning. Is now still a good time there for you?\n\nChannel 1: Yep.\n\nChannel 0: Fantastic. All good. I'm just gonna email this one through to you. So if you're able to open up your emails there and open up the document, we'll we'll be able to go through that together, and then you'd be able to take it back and have a bit of a read through it as well. Okay?\n\nIt should be on its way to you there. Now just before we jump into the call, Neil, I do need to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yep.\n\nChannel 0: Fantastic. And, also, just to do security today with you, just to confirm your full name, your address, and date of birth I should have on file.\n\nChannel 1: Neil Allen, 09/04/1959. PO Box 205. Point up with 16. Close. Point up.\n\nChannel 0: Beautiful. Thank you so much for that. And how's your week been so far?\n\nChannel 1: Not\n\nChannel 0: That's good. That's good. And,\n\nChannel 1: bad.\n\nChannel 0: Camilla, are you on the line as well? How are you?\n\nChannel 1: Yeah. I'm here too. Thanks, Dana. Good. Thanks.\n\nChannel 0: Oh, that that's good. How was jury duty?\n\nChannel 1: Oh, yeah. It was it was\n\nChannel 0: A lot?\n\nChannel 1: in the end, it was a bit anticlimactic.\n\nChannel 0: Oh,\n\nChannel 1: We\n\nChannel 0: really?\n\nChannel 1: yeah. It was due to the sensitivity of the case, it was a closed court.\n\nChannel 0: Yeah.\n\nChannel 1: And by the end of the week, after some legal counsel, they actually discharged our jury, And the jury, you know, sort of officer who's looking after us said it was probably in all likelihood some either some evidence had been withdrawn or or whatever, and we'd all been contaminated. So\n\nChannel 0: Oh, wow.\n\nChannel 1: yeah. So we were discharged, and and they would obviously, I guess, go ahead with another jury at another time. But, yeah, he sort of walked away with no closure.\n\nChannel 0: Oh.\n\nChannel 1: It yeah. But it was, you know I mean, it wasn't a nice case anyway. You know, either way it\n\nChannel 0: Yeah.\n\nChannel 1: went to ruin someone's life. So,\n\nChannel 0: Absolutely.\n\nChannel 1: yeah.\n\nChannel 0: Wow.\n\nChannel 1: But week of my life, I'll never get it back.\n\nChannel 0: Yeah. Absolutely. Wow. I I've never really met anyone that's had to go to jury or being called for jury duty before. So, wow, that's definitely an interesting\n\nChannel 1: Yes.\n\nChannel 0: one. But, yeah, I'm glad you yeah. You know, it worked out well for yourself. You didn't have to sit there and go through a long arduous case. Yeah.\n\nChannel 1: Exactly. Yep.\n\nChannel 0: Oh, wow. Wow.\n\nChannel 1: Good.\n\nChannel 0: And how's sorry. You're right.\n\nChannel 1: No. No. You go.\n\nChannel 0: All good. Has that email popped through to you guys at the moment\n\nChannel 1: Yep.\n\nChannel 0: yet? Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Fantastic. And you I know you guys submitted your Centrelink application last week or the week before there. How is that going? Have they come back asking for anything additional, or are they still just processing everything? You're still just waiting?\n\nChannel 1: No. Still just waiting. I'm assuming\n\nChannel 0: Yes.\n\nChannel 1: they're they did say Neil handed it over in person, and they did\n\nChannel 0: Yeah.\n\nChannel 1: say that thing now. So,\n\nChannel 0: Yeah.\n\nChannel 1: yes, that won't be too long.\n\nChannel 0: No. That's okay. It can take upwards of thirteen weeks if if they are doing things in a timely manner, but it can also take a little bit longer there. So if anything does come back different, let me know. As with this advice document, I've gone back and calculated the income and assets test that I'm able to do so and looked at how the property should be assessed for you and worked out the entitlement based on where you are currently at,\n\nChannel 1: Yes.\n\nChannel 0: and then looked at any additional alternatives and what else we can do there. So I'll go through what I'm recommending for you now.\n\nChannel 1: Yep.\n\nChannel 0: I'll let you know sort of what we have the advantages, disadvantages, alternatives, risks involved, things like that.\n\nChannel 1: Yep.\n\nChannel 0: I'll go through just a couple of the pages, sort of direct you through. And then once I've gone through the sections that I need to, I'll let you guys go back and read through the rest of the document properly. I've also got the appendices attached there, which outlines all the research conducted. I've also got the math equation, noting down how I've come through to the assets and income testing for you and come to the numbers that I've got there. If Centrelink does come back because there is always a there can be a discrepancy.\n\nSo because I do all the math manually, they have a computer that does it. If Centrelink come back and note that there's a different assessment to what I've been able to work out, you guys just come and let me know. We can alter the advice to reflect and make some changes where we need to. Okay?\n\nChannel 1: Yes.\n\nChannel 0: All good. So when you've got that one open there, Neil, you'll note on the front page, it has your beautiful name there, so prepared for yourself. We did complete the document as of the May 25 and had it all ready to go for\n\nChannel 1: Is\n\nChannel 0: you. And on the bottom there for you both, it has my registration license information for you. Okay?\n\nChannel 1: this the\n\nChannel 0: Yeah.\n\nChannel 1: statement of advice we're looking at?\n\nChannel 0: Yeah. That's the\n\nChannel 1: Yep.\n\nChannel 0: one. Yeah. Sorry.\n\nChannel 1: That's fine. Just right. Making sure I'm clicking on the right thing. Yep.\n\nChannel 0: You're right. All good. All good. Now it should be letting you go up and down through that document. Is that\n\nChannel 1: Yep.\n\nChannel 0: working for you okay? Yep.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Excellent. On the front there for your reference, my license number registered with ASIC is 1304394. And on the next page, it does outline the best interest duty. So as advisers, we have a fiduciary duty to make sure our advice is appropriate to you is there to help you meet your goals, but also under best interest.\n\nIf there's a point where we're not meeting your goals, it's also within our fiduciary duty to make sure we disclose that to you. Okay?\n\nChannel 1: Yeah.\n\nChannel 0: To make things a little bit easier, as you are sort of scrolling through the first few pages there, sort of pages three onwards, it notes the areas that we are scoping in and scoping out with regards to the advice there. So we're looking at superannuation, Centrelink assessment, retirement income needs, the estate planning side of things because we are looking at your retirement accounts now as well, and then also withdrawing some funds to pay off the debt, your home loan as well. Okay?\n\nChannel 1: Yes.\n\nChannel 0: We're not looking at anything with regard to personal insurances, and I've actually scoped out the AMP shares there. So the state that you sent me was good. It does note that you do have the shares there, but it doesn't kinda give me any cost base. So I've scoped that out of the advice for now. What I'll get you to do is if you want me to look at maybe whether you sell or keep those shares, I can look at that a little bit down the track, but I'll need to find out what the original cost base does.\n\nSo when you originally purchased those shares or when they were provided to you, what was the purchase price that you paid for them or the capital you put into it so\n\nChannel 1: We\n\nChannel 0: I\n\nChannel 1: didn't\n\nChannel 0: can work\n\nChannel 1: pay\n\nChannel 0: out the tax consequences? They were just\n\nChannel 1: we\n\nChannel 0: given to you? Yeah.\n\nChannel 1: yeah. I think\n\nChannel 0: Yep.\n\nChannel 1: it\n\nChannel 0: That's\n\nChannel 1: was\n\nChannel 0: okay.\n\nChannel 1: with a with a changeover of something with the AMP Bank or a it\n\nChannel 0: Yep.\n\nChannel 1: was something to do with, like, years ago with the a with the AMP. But,\n\nChannel 0: Yep.\n\nChannel 1: yeah, we never bought them. They were actually gifted as part of some changeover on their behalf.\n\nChannel 0: Okay. No. That's okay. Do you happen to have any of the documents anywhere when they were originally gifted or provided to you guys with the information? Just because I do need to be able to work out essentially what the cost base might be if there is a cost base, what they've said the initial buy price would look like, and work out the CGT consequences for you guys if you were to sell them.\n\nChannel 1: Yeah. Look. I doubt it very much. But\n\nChannel 0: No.\n\nChannel 1: I\n\nChannel 0: That's okay. That's okay.\n\nChannel 1: yeah. We're talking this is probably, like, close to thirty years ago.\n\nChannel 0: Okay.\n\nChannel 1: I I don't know. I have to go way back in my archives and\n\nChannel 0: Yep.\n\nChannel 1: I but I doubt it very much.\n\nChannel 0: No. That's okay. That's not a problem at all. We can always sort of revisit that down the track. One of the big things is because, Neil, you have technically worked for some of this financial year, I would be suggesting we just hold off on the AMP shares for now.\n\nI did\n\nChannel 1: Yes.\n\nChannel 0: work out the value essentially with the current share price of those shares and the amount you do hold. The value is approximately about $2,600 worth. So it's not a huge asset to hold. It is something that does need to be disclosed to Centrelink as to the application, and it looks like on the application, they haven't been disclosed. So it is something to definitely make sure that we do add into the Centrelink update there.\n\nChannel 1: Yeah.\n\nChannel 0: But for the time being, holding them is not a problem. We can maybe come back down the track and reassess those shares and work out, you know, if selling them is a good idea or keeping them. Normally, when we talk about selling investments and shares and things like that, because there are CGT of tax consequences for selling an investment, we normally sort of say, hold off until you have to sell them. If there's no need to sell them now, if you don't need the money desperately, then there's no point in creating a CDT event. You may as well just hold on to them.\n\nBut, also, Neil, once you are officially, you know, not or haven't worked for twelve months, realistically, you won't have any actual income or you should be under the tax rate threshold. So selling them when you kind of hit that point could come at more of an advantage for you as well. That way, the money you sell them for, you get to keep for yourselves instead of having to pay tax on those. So we'll hold off for now. If I if we can get you to gather a bit more detail down the track for me, I can have more of a look at those for you, and then we might sort of revisit that in the new financial year when we, you know, when you haven't worked for twelve months, then you're hopefully under that tax free threshold with income side of things.\n\nDoes that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. All good. So we're holding off on those shares at the moment there, but it's good to kinda keep those as a record. To make things a bit easier, what I'll get you to do is if you can scroll forward for me down to about page number 12, this is essentially where the recommendations are starting for you.\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful. So I've put them into stages to kinda show you how this will work. I'll go through it as easily as possible. Feel free to let me know if you do happen to have any questions there. Essentially, to start with, I am recommending, Neil, that you do move a 100% into the account based pension side of things.\n\nSo we're gonna retain Hub twenty four as a platform and move all of your super a 100% into an account based pension for you within Hub twenty four. Essentially, this then allows you to start drawing an income there. With this recommendation here, I'm recommending that you do retain the full amount and that we would retain everything in your super and roll you over. The biggest thing with this is that I did go back and have a look at Centrelink and the assessment there because the way they assess your property, even though your property is essentially over that two hectares, just a little bit over the two hectares side of things, because, essentially, you guys have confirmed the property is not suitable for farming. It's swampy.\n\nThe soil isn't of a condition to do so. Essentially, for them to assess that, they're assessing it under what's called the extended land purpose. So they need to be able to show that, a, you've had the property for more than twenty years, which you absolutely have, and I was able to Google to check that too. So I'm not sure how they couldn't prove that originally. You need to be of age pension age, which you do need, but then the other thing is making effective use of the productive land to generate income.\n\nSo because the land is not suitable for generating income, it's swampy. The soil is another condition where you can farm. The exception to this extended land use test is that the land is is that if the land has no scope or limited potential to you to earn income, it can still satisfy the test as long as it isn't being produced as a or used as a commercial property in any way, shape, or form. So it all comes down to is the land over that two hectares being used for the purpose that it is able to be used for? Is it being used in yeah.\n\nIf it could be farmed, is it being used to to farm? If it can't be farmed, then you can't use it for that practicality. So they can still assess it that way. And when I've kinda gone back and looked at everything, the land over the two hectares is technically not usable as a income producing purpose. Therefore, it should absolutely be completely exempt for Centrelink purposes, and under their rules, it can be.\n\nSo I've assessed it to be that to be completely exempt for you. We are obviously waiting for them to complete the assessment, and if they come back and say, hey. We don't believe so, I would suggest that you guys ask them on what grounds, on what basis, and what have they done to show that. Because,\n\nChannel 1: Mhmm.\n\nChannel 0: realistically, if you can't use the land as farming, if it's not viable for primary production or for farming, then you can't use it for that purpose. So it realistically should still be considered a fully exempt asset for you on that basis, but it also comes down to what Centrelink say, and I've seen some of them come back and have some really strange reasons for it. So if at any point they come back and say it's not fully exempt, can you find out the reason why,\n\nChannel 1: Yes.\n\nChannel 0: what they've done, and how, and then come back to me? I can always go back and reevaluate things if they are assessing some of the land as an asset. But, theoretically, based on everything I've looked at and their own rules, your whole property should be fully exempt. Okay?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah. Perfect. And in the advice document, I've actually got snippets there and also in the appendices snippets from their ruling for you to show you exactly how they're assessing that under the extended land use test. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. It's a very broad statement they make, honestly. Make effective use of the property. Well, the property\n\nChannel 1: Yeah.\n\nChannel 0: can't be used for farming, so therefore, it's used effectively.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. All good. So, theoretically, I know one of the things that was made mentioned to you when you spoke to Maddie the other day, someone at Centrelink have made mention about drawing some money out and possibly putting that in your super, Camilla. That is something I have assessed. It is really honestly not worth doing at the moment.\n\nChannel 1: Yes.\n\nChannel 0: If there is any change to the Centrelink assessment, then we can absolutely look at doing that. But to do that, I would want to make sure that I'm assessing your super as well, looking at how it's invested, whether the money being deposited make you know, what kind of caps it meets for you, how it's best to be deposited, and how that looks long term for you both as well. Because the main sort of thing the main advantage to moving solely into the age pension side of things so in super in the accumulation stage at the moment, any income or capital gains that your super is making is actually being taxed at 15%. Neil, by you actually moving wholly into the pension phase, moving all your funds into there, there's no income or capital gains tax applicable to your funds. So all of your money is sitting in that pension phase.\n\nIt's still working and growing, producing income and growth, and it's not paying any income or CDT tax. So that phase is completely tax free as well as the the drawdowns being tax free for you. Does that make sense?\n\nChannel 1: Yeah. Yeah. I didn't think I didn't know that stuff like that\n\nChannel 0: Yeah.\n\nChannel 1: happened. It's tax you on everything.\n\nChannel 0: Yeah. No. Not in pension phase. You're in the coolest phase of life. So, look, the first other recommendation that is that we do, we move you into the hub twenty four pension account.\n\nIt's a full account based pension there, and it's it's a very easy transfer. Everything is in specie transferred across. We just get you to sign the form, get your bank information, and we do all that process there for you. It's a straight transfer, and it happens very quickly for you. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Once we've done that, if you scroll further on down there for me to page number 19, you'll have the stage two. This is where we're gonna start by drawing a lump sum drawdown from your pension account of 87,000. So, essentially, with the statement you provided from the bank, you owe just over 86,000 on the mortgage there. I've just rounded it up to 87,000 just to make sure we're covering any differences. Because when you think about mortgages, interest is calculated daily and charged monthly.\n\nSo the payout figure they give you can change on a regular basis. So I just sort of when I looked at things, my let's just round it up to 87,000, a nice rounded figure there for you. It gives you a bit of a buffer in case there's some additional interest somewhere that they haven't accounted for. And then it also just gives you a small buffer, a a few x you know, a couple extra $100 just to sort of have sitting aside to go out and enjoy yourself or to put, you know, in a in an account somewhere. So I've just kind of rounded that figure up for you, but the reason we're moving into pension phase first is because, a, your income payments are drawn down completely tax free, but there's no income or CDT tax in pension phase.\n\nSo by moving into pension phase first and then drawing down from the pension of the 87,000,\n\nChannel 1: Yes.\n\nChannel 0: your fund will have no tax consequences for selling down the investments. Whereas if we held you in the accumulation phase first and then completed the sell down, your fund would have to account for capital gains tax at 10 to 15% and or income tax at 15% there as well. So it works out to your benefit to move in the pension phase and then complete that drawdown. Does that make sense?\n\nChannel 1: Absolutely. Thank you.\n\nChannel 0: Yep. Perfect. That's okay. So that'll be drawn down to your bank account, and then you can move the funds across, and then you'll be able to pay out your mortgage there. These\n\nChannel 1: Mhmm.\n\nChannel 0: recommendations are in your best interest because it is a more tax effective way for you. As I mentioned, there's no income or CD tax in that pension phase, and it's very easy to have the lump sum drawn down nice and quickly for you as well. Okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Excellent. If you go down to page number 23 for me, we have stage three for you. Now this is essentially what we wanna do with regard to an investment switch. So once we've completed that drawdown of the of the funds for you to pay out your mortgage, which will leave you both completely debt free, which is fantastic, we're gonna also do a bit of an investment switch here. Essentially, I had a really good look at your investments at the way you were invested.\n\nWe did talk about just maybe reducing the risk level a little bit and making sure you're in that balanced kind of environment, which is generally where you see about 60% of your super invested in growth assets, things like Australian shares, international shares, listed property, commodities like gold and silver, and then just increasing some of those defensive lower risk investments like cash and bonds and fixed interest to make sure that you're taking less risk in the market. The idea and the goal here is to provide longevity out of your super to supplement the age pension eligibility and to make sure that you can, you know, suffice or live in the retirement years for the next sort of ten to twenty to thirty to forty years, and longevity becomes really important here. So taking less risk in the market and not seeing such drastic ups and downs in your super balance is where we kind of end up in this this stage of life. Does that make sense?\n\nChannel 1: Yeah. So this here,\n\nChannel 0: Yeah.\n\nChannel 1: where it says retain your HUB24 Superfund, it's actually the the pension phase of the Superfund, though,\n\nChannel 0: It\n\nChannel 1: isn't\n\nChannel 0: is.\n\nChannel 1: it talking\n\nChannel 0: Yeah.\n\nChannel 1: about?\n\nChannel 0: It's a soup it's a super pension, essentially.\n\nChannel 1: Yeah.\n\nChannel 0: So it's\n\nChannel 1: Yeah.\n\nChannel 0: just the wording that they have in the\n\nChannel 1: Yep.\n\nChannel 0: template there. I do apologize\n\nChannel 1: Yep.\n\nChannel 0: that, but you'll be\n\nChannel 1: Right.\n\nChannel 0: in the pension phase first. Sorry. Yeah.\n\nChannel 1: No. Not at all. Not at all. Just making\n\nChannel 0: That's\n\nChannel 1: sure\n\nChannel 0: okay.\n\nChannel 1: on the right page.\n\nChannel 0: Absolutely. Absolutely. All good. So that's essentially underneath the outlining the best interest, Judy, the recommendations around the advantages, disadvantages, and the risk of that strategy there. If you scroll down a little bit further for me to page number 30, I'll show you what changes we're gonna make to the investments just so you can see all of that.\n\nChannel 1: Yep. I'm there.\n\nChannel 0: Beautiful. Beautiful. So this is essentially the investments that you do have in there. So you've got well, what what we're going to do sorry. And the red is what gonna be selling off, and the green is what we're gonna be purchasing into.\n\nSo we are gonna be selling down the battery and lithium tax, selling down the ban along Australian equities, which is the one that's been underperforming a little bit there as well. We'll also be selling down the bank hybrids. They are actually being phased out as an investment in the future, so removing those whilst we are making changes of portfolio and distributing the funds now is a good idea. Best to do it now while we have the option to do it rather than down the track when we have no choice and have to do it quickly for you.\n\nChannel 1: Mhmm.\n\nChannel 0: So selling off all the bank hybrids there. Physical gold is a great investment. We're just rebalancing it for you. So you are a bit you've got a 9% at the moment. We do wanna hold 10% of your total balance there.\n\nBut when we\n\nChannel 1: Mhmm.\n\nChannel 0: look at the amount you hold now compared to what we need to have in your total balance, we just need to sell off a little bit of that as well. And we're also selling some of that down to withdraw the 87,000 for you.\n\nChannel 1: Mhmm.\n\nChannel 0: With the core composite bonds, because we are getting rid of the bank hybrids, we wanna make sure and increase those defensive lower risk investments, and core composite bonds are essentially that. Bonds are more of an income producing lower risk investment. They do tend to get a lower rate of return, but they don't fluctuate. They don't go up and down as drastically like shares do. So we\n\nChannel 1: Yes.\n\nChannel 0: do wanna increase exposure into these lower risk investments like just like bonds. So putting 25% of your funds into this sort of investment here. We are still holding the S and P 500, so exposure into The US is still really important. And you do wanna have some growth investments in your soup in your super in your pension anyway. Even when we are taking lower risk, having some growth investments is still really important for\n\nChannel 1: Yes.\n\nChannel 0: getting some good higher returns and providing longevity. So we are gonna keep the S and P 500, but we're just gonna sell some of it off and rebalance that reduce your risk in that and also selling some of that to be able to draw down the 87,000 for you as well. Okay?\n\nChannel 1: Yep.\n\nChannel 0: The beta shares Rafi 200, we're gonna sell that down completely, remove that out of the portfolio, and also removing all the infrastructure there as well. Where we are gonna see your funds invested, so, essentially, what you'll see once we've completed the rebalance and altered the investments, you'll still have about 10% physical gold. We'll have 25% in the core composite funds. We're gonna retain 22% of the s and p 500, so The US exposure. We're also gonna have some cybersecurity, so some global cybersecurity, which is diversifying, giving you access to cybersecurity country across the globe, all over the world.\n\nWe're also gonna keep some European exposure, and that's into all the European countries, not just one, two, or three. So, again, looking at diversification for lowering risk, but also looking for some growth in those areas. The Vanguard or WorldX US, that's essentially looking at investing across every country except for The US, and that's because we have the S and P 500 above there. And, again, it's diversification. So one of the best best ways to mitigate long term market risk is to diversify.\n\nMake sure you're spreading your risk across lots of different countries, asset classes, across those growth and defensive assets there. So this Vanguard index fund is essentially looking to do that, and we'll hold about 6% of that for you as well.\n\nChannel 1: Yep.\n\nChannel 0: It's important to have some Australian exposure, and that's what the BetaShares Australian 200 is. That's essentially giving you exposure to the top 200 companies on the ASX. And one of the things I do like about these sorts of index investments is that they're tracking in indices. So one of the things that I like to make sure we're doing or is really good to do is that with the a 200 and even the S and P 500, you're tracking those indexes with the top 200 or the top 500 companies on The US and the Australian market there. In order for companies to be inside the indices that this investment is tracking, they have to meet a criteria.\n\nSo say if a company on the ASX didn't meet the criteria to be in the a 200, it would be removed out of the industry and therefore removed out of the investment that you're invested in as well and replaced with something else that does meet that criteria. So you\n\nChannel 1: Okay.\n\nChannel 0: can rest assured that you are always invested in the top 200 companies with the a 200, and the same goes with the S and P 500. It tracks the S and P 500 index. And, essentially, in order to be in that index, you have to meet a certain criteria. So companies that don't meet the criteria, whenever the investment committee for the indices meets, which at the moment is every quarter, companies are removed out of the index and therefore moved out of the S and P 500 investment as well. So it's good to know that companies that aren't performing that don't meet those criterias don't stay in those investments, and they're replaced with companies that do.\n\nSo you are always tracking the top 500 companies on the a with the S and P 500. And with the a 200, you're always tracking the top 200 companies on the ASX as well. Does that make sense?\n\nChannel 1: Yep. Yep. Sure.\n\nChannel 0: Yeah. Beautiful. And then the last one at the bottom there is the beta shares high interest cash account. So this is looking at fixed interest cash accounts, trying to get the best returns on the market for you. Essentially, again, it's important to have this as more of a defensive lower risk investment.\n\nHigh interest cash accounts, bonds, and fixed interest, they are lower risk. They do tend to get a lower rate of return, but when we are taking less risk in the market, it's, again, it's about longevity and income producing. One of the big important factors of this stage of your life there is that you're going into those retirement years, so we are drawing income out of your pension account. And because there's no tax consequences in this phase of life for you with regard to your pension account, we can then be making more in the way of income because there's no income tax to be made. And the income that's generated by the portfolio helps to draw down your regular pension payments for you so that you're hopefully taking less out of your capital.\n\nDoes that make sense?\n\nChannel 1: Yeah. Yeah. Thank you.\n\nChannel 0: Yeah. Do you have any questions so far either of you?\n\nChannel 1: No. No.\n\nChannel 0: All good. All good. The next page just outlines the amount of cash that we do need to hold. So within hub twenty four, we do have to hold a minimum of 1.25% cash. This shows that at the moment, your cash holding is a little bit higher than that, so we will just invest a bit over a thousand dollars there to make sure your cash holding remains at 1.25%,\n\nChannel 1: Mhmm.\n\nChannel 0: keeping as much money as we can invested into those investments working harder\n\nChannel 1: Yeah.\n\nChannel 0: for you. Okay? Perfect. So sorry. My throat's a little bit sore today, so I'm just having a quick drink.\n\nI apologize.\n\nChannel 1: Yeah. No. No. I hear you good.\n\nChannel 0: All good. You're right. Neil, did you wanna ask a question? Or\n\nChannel 1: No. No. All good.\n\nChannel 0: No. All good. Perfect. So, essentially, where we are at the moment with the recommendations of stage one, two, and three, they will start by moving you into the pension phase, Then we'll draw down that 87,000 so you can pay off the mortgage, and then we're gonna do an investment switch there for you as well, which is also lowering your risk level and changing your investments so that things are working harder for you. Okay?\n\nChannel 1: Yep. Yeah.\n\nChannel 0: On page number 35, you've got your fourth stage of the plan, and this is essentially where the draw downs and the age pension side of things comes into account. So you've sent your application off for the age pension, essentially. We're just now waiting for that to be, essentially accepted and for that to go into play and for them to assess that. It can take up to thirteen weeks if everything is in line. If they don't require anything additional, I have seen it take a little bit longer essentially as well.\n\nSo what I'm recommending with this stage is once we've done we've moved you into pension. We've drawn down the 87,000 for you. We've done we're doing the investments which as well, but we're also gonna set up a regular pension payment for you. Now you guys filled out the budget plan, and thank you so much for doing that. I went back and entered all the information through and had a really good look.\n\nAnd in order for you to survive, you need to live on about $868 per week to cover all of your expenditure. And that's not including, Camilla, your income. So I've separated your your income away from this. So your income provides just a buffer additional funds\n\nChannel 1: Yep.\n\nChannel 0: and a little bit extra for you guys as well as we discussed. Okay? So once we open the pension account, we'll set your pension up. And look, this won't happen in this order. We'll essentially open the pension account up.\n\nWe'll tell them how much\n\nChannel 1: Good.\n\nChannel 0: to start drawing down, and these pension payments will start very quickly for you as well. We won't make you wait till after the draw downs or anything like that. It's just the way we've set it out in the plan to make it a bit clearer for you. Okay?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: All good. So, essentially, to start with, we're gonna draw down the full $868 on a weekly basis or essentially per fortnight if you prefer. Fortnightly, it's $17.36 and 1¢ there. Essentially, that will give you the regular drawdown out of your pension account to cover all of your expenditure, and then it leaves your additional income there, Camilla, for additional expenditures, holidays, savings, whatever it is that you guys might wanna spend that money on for you. And Neil's pension payments paid down regularly will cover your base expenditure.\n\nOkay?\n\nChannel 1: Yes. Yep.\n\nChannel 0: We'll start these draw downs as soon as absolutely possible. We'll get your bank details and start them straight away for you. And then once your Centrelink has been assessed, we'll start to just pull them back a little bit. So I went back and I looked at how you had filled out the application form, and I had a look at the assessment. I did the math equation on both the income and the assets test for you.\n\nWhat I've essentially worked out is that you're actually probably gonna be assessed under the assets test that showed to provide a lower payment. So, essentially, they're gonna pick the one that gives you the lower the lower payment, which from my which from my calculations is the assets test. To\n\nChannel 1: Yeah.\n\nChannel 0: kinda give you an idea on how we work this out and how the math equation works, and in the appendix which you'll have attached there, you can actually open that up and see. I've set it out bit by bit for you. But how the income test and the asset test is essentially assessed, Income test first for you is that they take your your fortnightly income, Camilla. That is set to one five for the moment. They then look at your financial assets.\n\nThe financial assets for yourselves are the shares that you do hold with AMP, the funds in your bank account there, and also your super. I've assessed your super balance after the 87,000 drawdown for you as well. So it's actually gonna be a less of a super balance than what you've declared them currently. But they essentially look at this and these assets are deemed. So they're not gonna look and assess at the $800 that you're drawing down out of the pension account on a weekly basis.\n\nThey're deeming a certain rate of return that your investments can receive. Because you're a couple, they deem the first 106,200 of your financial assets at a rate of 1.25%, and then everything over that is deemed at 3.25. So I took your initial your balance after we take your current balance now, subtract out the 87,000. We end up with a balance owing of about 690,005 oh, sorry. No.\n\n$6.06 my apologies. I'm looking at the wrong page. We have a balance of $6.06 $67.09 $9.07 after we take out the 87,000. So it's taking your current super balance, subtracting 87,000, and then adding that balance to your other financial assets, so your shares, your bank accounts. We ended up with 690,598 and 60¢.\n\nWe then subtract off the deeming amount there, the 106,200. We apply the 1.25%, and then anything over that, which worked out to be a 584,398 is being the 3.25%. And that tells us how much income that Centrelink will assess you under the income test. We add that to, Camilla, your fortnightly income,\n\nChannel 1: Yeah.\n\nChannel 0: convert it all to a fortnightly amount, and then\n\nChannel 1: Yep.\n\nChannel 0: subtract that from the the maximum you're able to earn, which is $380 on a fortnightly basis. And then we take the amount the amount over the $3.80. We take that away from the full pension payment of $905.20 per fortnight, and that essentially gives us the total amount that you're able to receive for the income test, which essentially is about a $187.93 per fortnight. So it gives you a part pension, and it's estimated that you'll be able to receive a $187.93 per fortnight from the age pension, which gives you access to the pension card and all the additional benefits with that. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. It's a lot. I'm sorry.\n\nChannel 1: No. It's okay. I'll be doing I guess tonight. But yeah.\n\nChannel 0: It is a lot. It is a lot. We've stepped it out bit by bit for you there.\n\nChannel 1: Yep.\n\nChannel 0: In\n\nChannel 1: Yep.\n\nChannel 0: order to look at the assets test, essentially, they look at the total asset value, your super balance, the bank account balances, your shares. They also take into account the two vehicles and your contents there as well.\n\nChannel 1: Yeah.\n\nChannel 0: Your income is not assessed under the assets test. They essentially add all of that together, and then\n\nChannel 1: Yes.\n\nChannel 0: they subtract that away from the minimum threshold, which is currently 481,500. That gives them a total of how much is over the minimum threshold. Under the assets test, essentially, for every 1,000 over the minimum threshold, we lose about $78 per year, which is $3 per week. So we take that amount. We divide that by a thousand, then we multiply that by three, and that gives us how much you lose.\n\nWe subtract that from the total full pension amount, and that leaves you with how much you would be estimated to receive. Under the assets test, you were oh, sorry. Under the sorry. My computer just froze on me.\n\nChannel 1: Oh, no.\n\nChannel 0: Under the assets test, you were able to receive about a hunt $187.93. Under the income test, you were actually eligible for about 329. So because the assets test provides you with a lower rate of pension payment, that's the one they're probably gonna go with. Okay? Beautiful.\n\nAll good. It's a lot. I know that, and I'm so sorry.\n\nChannel 1: Yeah. It's all the work. We've just got You've done amazing. Thank you.\n\nChannel 0: Oh, that's okay. I try to sort of give you a bit of context on how we get to the figures that we do, but\n\nChannel 1: Yeah.\n\nChannel 0: it is a lot to go through. It is not easy. And, look, I always kind of make sure I let you know that I do this manually. Centrelink\n\nChannel 1: Yes.\n\nChannel 0: don't do this manually. They input everything into a computer, and a computer tells them how to you know, what's gonna happen, which is kind of interesting because I did this in less than thirteen weeks. So you think a computer should be able to do their assessment less than thirteen weeks too. But\n\nChannel 1: Yeah.\n\nChannel 0: but yeah. So they assess you under both those tests. As I kinda mentioned, the asset test is the one that provides you with the lower payment, so that's the one they're going to probably assess you under.\n\nChannel 1: Yeah.\n\nChannel 0: It's it's kind of interesting. You would think that they're gonna assess you under the income test because you're getting still income regularly, but it doesn't tend to work that way. I did look at, obviously, looking at maybe sheltering a bit more money and putting some more money, say, into your account, Camilla, or putting some money into other areas. I discounted that solely because to start with, this assessment is still giving you a part pension.\n\nChannel 1: Yes.\n\nChannel 0: So long as the the house is fully exempt, it's still giving you a part pension entitlement. And, Camilla, you're 60, so you've still got quite a bit of time ahead of you there. And your super is not assessable by Centrelink until you reach the age of 67.\n\nChannel 1: Yes.\n\nChannel 0: So depending on how things track down the down the road, we are going to have to down the track look at sheltering money in other ways.\n\nChannel 1: Yes.\n\nChannel 0: And there are ways of sheltering, but sheltering now means we are locking the funds away. So if we were to move the funds from Neil's super into yours because you're still working, there are limitations around accessibility. So we'd be locking it away till you turn 65 unless\n\nChannel 1: Yes.\n\nChannel 0: you were to stop working. If we were to look at things like funeral bonds or annuities, which also are great for Centrelink sheltering, we would be locking the funds away. So we're better off to do that down the track when we are assessing you both as a unit and when your super then becomes accessible to, you know, look at how to maximize things down the track for you. And\n\nChannel 1: Yes.\n\nChannel 0: for now, just starting off simple, moving into pension, paying down the mortgage, getting a part pension to start with, and then just making sure that you're you're covering your weekly expenditure. You've got your income as a separate amount\n\nChannel 1: Yes.\n\nChannel 0: for the buffer, but also\n\nChannel 1: Yes.\n\nChannel 0: making sure that if you need large sums of money, you know, we still have bills coming in. There's still rates to pay. You might want holidays or might wanna buy a new car or something down the track. That\n\nChannel 1: Yes.\n\nChannel 0: keeping Neil's Neil's super working allows you guys to draw down, you know, additional lump sums if you need them as well, whereas moving that money back reduces how much is in his pension working harder.\n\nChannel 1: Yes.\n\nChannel 0: And that also then means that if you take lump sums down the track, it provides more of a disadvantage. We're taking more chunks out of the super, which reduces longevity of it. So I wanted to just look at getting a part pension now,\n\nChannel 1: Yep.\n\nChannel 0: give you guys the access to the pension, but also making sure that that you have access to additional funds when you need them because things can come up, life can change, and Neil's sleep is where you'll be able to take that money from. So,\n\nChannel 1: Yep. Yep. Yep. No. That's good.\n\nThanks, Dana.\n\nChannel 0: yep, that's okay. So with this to start with, we'll be drawing out the $6.86 on a weekly basis there or the 7 $17.36 per fortnight. It's completely up to you how you want it weekly or fortnightly. We can work it either way within the pension fund for you.\n\nChannel 1: Yep.\n\nChannel 0: Once the Centrelink assessment comes through, essentially, we wanna just reduce that back a little bit. So by being under the assets test and getting the $1.87 93 per fortnight from Centrelink, we can then reduce your pension payments out of your pension account to $7.74 and 4¢. That still gives you the fortnightly income amount of the $17.36. It just means you draw a little bit less out of super, which provides a bit more longevity to your super there. Okay?\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: Beautiful. This is a lot, and I understand that. Do you guys have any questions for me at the moment? Did you wanna break me to break anything more down for you?\n\nChannel 1: No. No. No. That Everything's clear as well. Yep.\n\nChannel 0: Yeah. That's all good. As I said, after this, you'll take you can take some time to read through the advice document, read through the appendices, come back, and let me know if you do have any questions. I've outlined all the math for you, laid it down, added all the research information for you, and just let me know if there are any additional questions or if there's anything that you do wanna look at changing. If\n\nChannel 1: Yes.\n\nChannel 0: it comes back in Centrelink assessing slightly differently, that's absolutely okay. We can adjust the pension payments to, you know, coordinate,\n\nChannel 1: Yes.\n\nChannel 0: and we can also if they come back and jump up and down about the main primary residence exemption, then we can always look at sheltering money or look at altering the plan. So moving forward with this advice does not in any way, shape, or form restrict us from to making change to that at any point in time. The advice is very liquid. It can be altered and changed as we need to. Okay?\n\nChannel 1: Yep. Yep. Perfect. Perfect.\n\nChannel 0: Perfect. Excellent. That's essentially\n\nChannel 1: Yeah.\n\nChannel 0: the bulk of the advice for you. I won't go through too many more numbers. You probably both it's still early there. You're probably both hanging out for a a\n\nChannel 1: Yeah. And so far this morning.\n\nChannel 0: coffee. And then and then I'll try numbers at you both. The other thing we do wanna look at is the the beneficiary side of things. So, Neil, because we are opening up a pension account for you, you have your beneficiary nomination, your super. We need to make sure one is applied to the pension account as well.\n\nI'm recommending that we actually apply a reversionary beneficiary for you. So it's a bit different to the way a normal beneficiary works. Normally, you have what's called a binding lapsing or a binding non lapsing beneficiary. That essentially, in the event of you passing, means that your spouse needs to go through a claim. In pension phase, we get access to some cooler beneficiary nominations.\n\nSorry. I'm definitely an adviser. I do apologize. It's cool to me. With a reversionary beneficiary, they're only available in pension account, and it can only be paid to your spouse.\n\nAnd it means that if anything happens, once you're in pension phase with your pension being paid down, if you were to pass away, your pension payments would continue to be paid to Camilla with no stopping. Under\n\nChannel 1: Yes.\n\nChannel 0: a normal, beneficiary nomination, whether it be binding or nonbinding, the pension payments after your passing would essentially stop, and, Camilla, you would have to claim on the on the super or the pension account and have that transferred into your name. With a yeah. With a reversionary beneficiary, if you're getting that $868 or the $7.74 on a regular weekly basis and Neil was to pass away, those pension payments just continue. They're still doing all the claiming the back end, but it means that you don't miss out on those additional funds, which because you still have, you know, your expenditure, you've got life and fuel and groceries and everything else\n\nChannel 1: Yes.\n\nChannel 0: that goes into that. Just because one person passes away, doesn't mean your bills stop at the same time. So it does allow you to continue to receive that, pension payment on a regular basis. It doesn't stop in any way, and they still just go through the claims process in the background whilst they transfer everything into your name. So\n\nChannel 1: Yes.\n\nChannel 0: it's a really cool way of just making sure that everything is, you know, dotted, that you're still able to access those funds when needed, and\n\nChannel 1: Yes.\n\nChannel 0: making sure that you're supported even through the time. And sometimes it's the most expensive time I do know going through. I mean, I'm 41 now, so, unfortunately, I'm at the point where a lot of people I've known for years and years are at that passing stage and, unfortunately, going to a lot of funerals at the moment. So,\n\nChannel 1: Yes.\n\nChannel 0: you know, it is it is something you think about. And families actually find it's a lot more expensive at the time people are coming in. You've got expenditure. You might be taking time off work,\n\nChannel 1: Yes.\n\nChannel 0: and you're buying food and paying for everything for the funeral and things like that. So it can be more of an expensive time frame. So continuing those pension payments there just protects you and looks after you whilst you're going through that time. In saying that, Neil, I hope nothing happens. I'm touching all the wood possible.\n\nI want you to live and enjoy the next thirty to forty years of your retirement. Okay? Beautiful. Beautiful. But, look, that's essentially all the stages of the advice there.\n\nI the\n\nChannel 1: Yeah.\n\nChannel 0: only other thing I need to point out to you, Neil, is that you do pay an ongoing service fee for having us as your advisers. You pay 1.65% per annum.\n\nChannel 1: Yes. Yes.\n\nChannel 0: That is capped at balance of those 600,000. So it's capped at 9,900. We don't charge 1.65% of anything over above that 600,000 balance, so it is capped for you.\n\nChannel 1: Yes.\n\nChannel 0: Camilla, down the track, if you decide\n\nChannel 1: Yep.\n\nChannel 0: you want me to look at your super, look at doing joint advice and, you know, helping you along, we absolutely\n\nChannel 1: Yep.\n\nChannel 0: can do so. If you decide to come on as a client, we do reduce Neil's fee to 1.1% ongoing, and yours is also of that reflection. We join\n\nChannel 1: Yes.\n\nChannel 0: couples together and have a coupling fee. There is an implementation fee for doing that, but we can kinda go through that in a bit more detail when and if you're ready to do so. I don't want ever want anyone to feel pushed or rushed\n\nChannel 1: Yeah.\n\nChannel 0: into things.\n\nChannel 1: Yeah.\n\nChannel 0: Advice\n\nChannel 1: No.\n\nChannel 0: is\n\nChannel 1: No.\n\nChannel 0: a personal decision. So\n\nChannel 1: I was like yeah. I've been\n\nChannel 0: Yeah.\n\nChannel 1: thinking about it, and I've just I think if we just get Neil's\n\nChannel 0: Absolutely.\n\nChannel 1: shit sorted, then we can look at mine once this is all all sorted. Yeah.\n\nChannel 0: Absolutely.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Perfect. I definitely agree with that. That's absolutely fine. And I'm here to always have a conversation\n\nChannel 1: Yes.\n\nChannel 0: with you If you wanna start by just talking to me about what you're after, what you want, and we can have a general conversation, then we can kinda go from there. But, yeah, when you're ready, you let me know. I'll\n\nChannel 1: Yes.\n\nChannel 0: make time to have a chat.\n\nChannel 1: Cool.\n\nChannel 0: As I said, I love this. I'm probably the happiest person on the planet talk about beneficiary nominations and super and pension and do math equations.\n\nChannel 1: Yes.\n\nChannel 0: So more than happy to help you whenever you need, but I really enjoyed putting this advice together. I do apologize that I had to push it back a week to make sure the research was done correctly. But oh, it's all good. But, no, thank you for getting everything correlated. You did amazing in amongst going to jury duty.\n\nI tell you what.\n\nChannel 1: I understand. Yeah. It was it was fun. Centrelink. I had to go\n\nChannel 0: Yeah.\n\nChannel 1: in just taking the forms off me. I was trying\n\nChannel 0: Yeah.\n\nChannel 1: to get down at the front. Get caught up. No. Oh, no. You need to go at the back.\n\nSo I just had this about there for an hour and a half to give you these forms.\n\nChannel 0: Wow.\n\nChannel 1: Yeah. It's it's just really time consuming going into that.\n\nChannel 0: It is.\n\nChannel 1: 4p, you know. Why not? And then she said, oh, because of your super in your bank. And I said, well, I've worked at fifty two years. Yeah.\n\nNo. But that doesn't it doesn't work. I've got tax. Dana,\n\nChannel 0: Yeah.\n\nChannel 1: what do we do now? So we yeah. We'll have a we'll have a read through where\n\nChannel 0: Yep.\n\nChannel 1: do we find where we have to or where Neil has to rather sign to get this all started.\n\nChannel 0: Yeah. So on the very last page of that email, you'll have a little\n\nChannel 1: Yep.\n\nChannel 0: sign box. Neil\n\nChannel 1: Yep.\n\nChannel 0: just needs to click and sign that, return it back to us.\n\nChannel 1: Yep.\n\nChannel 0: I'll then get the admin team to give him a call, get his bank information, and\n\nChannel 1: Yep.\n\nChannel 0: we'll go forward and start opening the account and getting it all sorted. One of the things I did wanna sort of point out as well is when I've done the calculations, you'll notice in the appendices, I've used different figures to what you've actually got there. So it's about once we get the pension account opened, we get the drawdown done, your balance in Super will also be different. So it's about updating Centrelink with the the Super balance after you've drawn that 87,000 out.\n\nChannel 1: Yep.\n\nChannel 0: We will need to make sure the shares are noted there as well.\n\nChannel 1: Yep.\n\nChannel 0: But just making sure the figures are essentially in line with what we have here to get the assessment. Because at the moment, your super balance is higher than what we have noted, so the assessment could be quite different to start with. But\n\nChannel 1: Yes.\n\nChannel 0: once we start things once I've assessed everything, we can go back and make alterations to everything.\n\nChannel 1: Yes.\n\nChannel 0: But, yeah, making sure that we update them with your super balance to show that the assessment is correct, the shares get added there for you, and we'll make sure that drawdown for the 87,000 happens nice and quickly because that shelters that money fast. And they're gonna\n\nChannel 1: Yep.\n\nChannel 0: wanna see if your super balance has dropped where the money's gone to and why it's come out, and you paid off your mortgage. So you they'll ask the bank statements to show where that transaction has gone to.\n\nChannel 1: Yep.\n\nChannel 0: Okay?\n\nChannel 1: Yep. Yep. Alright. So\n\nChannel 0: Yeah. Okay.\n\nChannel 1: so, essentially, just signing on the bottom of that page 55\n\nChannel 0: Yep.\n\nChannel 1: covers putting all the above steps in place?\n\nChannel 0: That's correct. That is that's you accepting all of the recommendations.\n\nChannel 1: Yep.\n\nChannel 0: If you decide there's something you wanna alter or change, there is a text box for you to write in. But, yeah, if\n\nChannel 1: Yep.\n\nChannel 0: you're happy to to sign on the bottom line, accept all the recommendations, and have it all put into place, we'll just\n\nChannel 1: Yep.\n\nChannel 0: get you to sign, date, return it back to me. And I've attached all those documents to the email as an attachment so you can save them down, and you can also look at them again a bit later. It's got\n\nChannel 1: Yes.\n\nChannel 0: the statement of advice for you, the\n\nChannel 1: Yeah.\n\nChannel 0: appendices, the financial services guide for us for your reference as well, and any PDF documents for hub twenty four on their pension accounts for you as well. Okay?\n\nChannel 1: Yep. Perfect, Dana. Thank\n\nChannel 0: Excellent.\n\nChannel 1: you.\n\nChannel 0: That's okay. Do either of you have any questions at the moment?\n\nChannel 1: No. No. Sorry. I think we'll just have a bit of a read through all of this,\n\nChannel 0: Absolutely.\n\nChannel 1: and I'll get Neil to to sign and return it to you ASAP.\n\nChannel 0: Perfect. Beautiful. Thank you so much for your time today. I'll let you both go to have a nice morning coffee. Thank you for taking my call.\n\nI'm sorry. It's so early. Okay. My pleasure. It's been a oh, not a problem, Neil.\n\nAre you going golfing today?\n\nChannel 1: No. Golf yesterday. I had a really good front nine and a horrible back nine.\n\nChannel 0: Oh, no.\n\nChannel 1: Thought I was gonna be a winner. I was playing really well and then collapsed.\n\nChannel 0: Oh, no. Well, hopefully, next time you have a better one.\n\nChannel 1: I was supposed to play tomorrow, but I don't like playing in the rain. We're getting a bit of\n\nChannel 0: Yeah.\n\nChannel 1: wet today.\n\nChannel 0: Oh, are you?\n\nChannel 1: Alright.\n\nChannel 0: Yeah. Wow.\n\nChannel 1: Yeah. No. It's good. We need it. So yeah.\n\nChannel 0: Yeah.\n\nChannel 1: All good. Alright.\n\nChannel 0: Oh, all good. Well, thank you so much for your time. I'll let you both go. Let me know if there's any additional questions or concerns that\n\nChannel 1: Sure.\n\nChannel 0: you have. But, yeah, take your time to have a good read through that. Okay?\n\nChannel 1: Right. Thank you, Diana. Thank you, Diana.\n\nChannel 0: My pleasure. Thank\n\nChannel 1: You\n\nChannel 0: you so much. See\n\nChannel 1: Have\n\nChannel 0: you later.\n\nChannel 1: a good day. Bye bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.48,"end":0.98,"sentiment":"neutral","sentiment_score":0.016876447945833206}],"sentiment":"neutral","sentiment_score":0.016876447945833206,"channel":1,"num_words":1,"start":0.48,"end":0.98},{"sentences":[{"text":"Hi, Neil.","start":1.76,"end":2.24,"sentiment":"neutral","sentiment_score":0.07458410784602165},{"text":"It's Dana from Oakview Financial.","start":2.24,"end":3.9399998,"sentiment":"neutral","sentiment_score":0.12088576108217239},{"text":"How are you this morning?","start":4.0,"end":5.22,"sentiment":"neutral","sentiment_score":0.15190335512161254}],"sentiment":"neutral","sentiment_score":0.12609281639258066,"channel":0,"num_words":12,"start":1.76,"end":5.22},{"sentences":[{"text":"Not bad, Dana.","start":5.68,"end":6.48,"sentiment":"neutral","sentiment_score":0.24126823246479034},{"text":"How are you?","start":6.48,"end":7.2999997,"sentiment":"neutral","sentiment_score":0.19076389571030936}],"sentiment":"neutral","sentiment_score":0.21601606408754984,"channel":1,"num_words":6,"start":5.68,"end":7.2999997},{"sentences":[{"text":"I'm very well.","start":7.52,"end":8.4,"sentiment":"positive","sentiment_score":0.5411209464073181},{"text":"Thank you.","start":8.4,"end":8.96,"sentiment":"positive","sentiment_score":0.7142592370510101},{"text":"I have your updated statement of advice to run through with you this morning.","start":8.96,"end":12.4,"sentiment":"positive","sentiment_score":0.3998186545712607},{"text":"Is now still a good time there for you?","start":12.4,"end":14.5,"sentiment":"neutral","sentiment_score":0.3063049614429474}],"sentiment":"positive","sentiment_score":0.40736025465386255,"channel":0,"num_words":28,"start":7.52,"end":14.5},{"sentences":[{"text":"Yep.","start":14.719999,"end":15.219999,"sentiment":"neutral","sentiment_score":0.3002260625362396}],"sentiment":"neutral","sentiment_score":0.3002260625362396,"channel":1,"num_words":1,"start":14.719999,"end":15.219999},{"sentences":[{"text":"Fantastic.","start":16.365,"end":16.865,"sentiment":"positive","sentiment_score":0.5893893837928772},{"text":"All good.","start":18.605,"end":19.165,"sentiment":"positive","sentiment_score":0.5572351515293121},{"text":"I'm just gonna email this one through to you.","start":19.165,"end":21.325,"sentiment":"neutral","sentiment_score":0.32170697881115806},{"text":"So if you're able to open up your emails there and open up the document, we'll we'll be able to go through that together, and then you'd be able to take it back and have a bit of a read through it as well.","start":21.325,"end":30.400002,"sentiment":"neutral","sentiment_score":0.27144805816086853},{"text":"Okay?","start":30.54,"end":31.04,"sentiment":"neutral","sentiment_score":0.18479645252227783}],"sentiment":"neutral","sentiment_score":0.29346900890793715,"channel":0,"num_words":57,"start":16.365,"end":31.04},{"sentences":[{"text":"It should be on its way to you there.","start":33.1,"end":34.78,"sentiment":"neutral","sentiment_score":0.2967417852746116},{"text":"Now just before we jump into the call, Neil, I do need to let you know we do record our calls for quality and training purposes.","start":34.78,"end":39.9,"sentiment":"neutral","sentiment_score":0.051489558070898056},{"text":"Are you happy for me to proceed with that?","start":39.9,"end":42.08,"sentiment":"neutral","sentiment_score":0.11557585166560279}],"sentiment":"neutral","sentiment_score":0.11476334641602906,"channel":0,"num_words":44,"start":33.1,"end":42.08},{"sentences":[{"text":"Yep.","start":42.29,"end":42.79,"sentiment":"neutral","sentiment_score":0.1514998972415924}],"sentiment":"neutral","sentiment_score":0.1514998972415924,"channel":1,"num_words":1,"start":42.29,"end":42.79},{"sentences":[{"text":"Fantastic.","start":43.385002,"end":43.885002,"sentiment":"positive","sentiment_score":0.41235190629959106},{"text":"And, also, just to do security today with you, just to confirm your full name, your address, and date of birth I should have on file.","start":44.505,"end":50.445,"sentiment":"neutral","sentiment_score":0.142271415831951}],"sentiment":"neutral","sentiment_score":0.1522743969603821,"channel":0,"num_words":27,"start":43.385002,"end":50.445},{"sentences":[{"text":"Neil Allen, 09/04/1959.","start":51.305,"end":53.725,"sentiment":"neutral","sentiment_score":0.012719734261433283},{"text":"PO Box 205.","start":54.025,"end":55.565002,"sentiment":"neutral","sentiment_score":0.017023663967847824},{"text":"Point up with 16.","start":56.025,"end":57.145,"sentiment":"neutral","sentiment_score":0.023128492292016745},{"text":"Close.","start":57.145,"end":57.645,"sentiment":"neutral","sentiment_score":0.02948041632771492},{"text":"Point up.","start":58.265,"end":58.86,"sentiment":"neutral","sentiment_score":0.07548776268959045}],"sentiment":"neutral","sentiment_score":0.02786154658175432,"channel":1,"num_words":13,"start":51.305,"end":58.86},{"sentences":[{"text":"Beautiful.","start":59.0,"end":59.5,"sentiment":"positive","sentiment_score":0.37800082564353943},{"text":"Thank you so much for that.","start":59.56,"end":61.0,"sentiment":"positive","sentiment_score":0.4832462668418884},{"text":"And how's your week been so far?","start":61.0,"end":63.02,"sentiment":"neutral","sentiment_score":0.15568492987326213}],"sentiment":"neutral","sentiment_score":0.3119480668434075,"channel":0,"num_words":14,"start":59.0,"end":63.02},{"sentences":[{"text":"Not","start":63.58,"end":64.08,"sentiment":"neutral","sentiment_score":-0.007236026227474213}],"sentiment":"neutral","sentiment_score":-0.007236026227474213,"channel":1,"num_words":1,"start":63.58,"end":64.08},{"sentences":[{"text":"That's good.","start":65.08,"end":65.72,"sentiment":"neutral","sentiment_score":0.051085215061903},{"text":"That's good.","start":65.72,"end":66.36,"sentiment":"neutral","sentiment_score":0.2032516747713089},{"text":"And,","start":66.36,"end":66.68,"sentiment":"neutral","sentiment_score":0.07112540304660797}],"sentiment":"neutral","sentiment_score":0.11595983654260636,"channel":0,"num_words":5,"start":65.08,"end":66.68},{"sentences":[{"text":"bad.","start":66.5,"end":67.0,"sentiment":"neutral","sentiment_score":0.07215628027915955}],"sentiment":"neutral","sentiment_score":0.07215628027915955,"channel":1,"num_words":1,"start":66.5,"end":67.0},{"sentences":[{"text":"Camilla, are you on the line as well?","start":66.68,"end":68.36,"sentiment":"neutral","sentiment_score":0.040246985387057066},{"text":"How are you?","start":68.36,"end":69.18,"sentiment":"neutral","sentiment_score":0.04733355094989141}],"sentiment":"neutral","sentiment_score":0.04217968508601189,"channel":0,"num_words":11,"start":66.68,"end":69.18},{"sentences":[{"text":"Yeah.","start":69.42,"end":69.9,"sentiment":"neutral","sentiment_score":0.05505212023854256},{"text":"I'm here too.","start":69.9,"end":70.62,"sentiment":"neutral","sentiment_score":0.0798638438185056},{"text":"Thanks, Dana.","start":70.62,"end":71.520004,"sentiment":"neutral","sentiment_score":0.26251646131277084},{"text":"Good.","start":71.58,"end":71.82,"sentiment":"neutral","sentiment_score":0.27729424834251404},{"text":"Thanks.","start":71.82,"end":72.32,"sentiment":"neutral","sentiment_score":0.258518248796463}],"sentiment":"neutral","sentiment_score":0.16943613393232226,"channel":1,"num_words":8,"start":69.42,"end":72.32},{"sentences":[{"text":"Oh, that that's good.","start":71.915,"end":73.515,"sentiment":"neutral","sentiment_score":0.11946796998381615},{"text":"How was jury duty?","start":73.515,"end":75.055,"sentiment":"neutral","sentiment_score":0.004682228434830904}],"sentiment":"neutral","sentiment_score":0.062075099209323525,"channel":0,"num_words":8,"start":71.915,"end":75.055},{"sentences":[{"text":"Oh, yeah.","start":76.135,"end":76.775,"sentiment":"neutral","sentiment_score":-0.05713975429534912},{"text":"It was it was","start":76.775,"end":78.615,"sentiment":"neutral","sentiment_score":-0.07055803947150707}],"sentiment":"neutral","sentiment_score":-0.0660852777461211,"channel":1,"num_words":6,"start":76.135,"end":78.615},{"sentences":[{"text":"A lot?","start":78.395004,"end":78.975,"sentiment":"neutral","sentiment_score":-0.14158053323626518}],"sentiment":"neutral","sentiment_score":-0.14158053323626518,"channel":0,"num_words":2,"start":78.395004,"end":78.975},{"sentences":[{"text":"in the end, it was a bit anticlimactic.","start":79.655,"end":81.755,"sentiment":"neutral","sentiment_score":-0.3196527920663357}],"sentiment":"neutral","sentiment_score":-0.3196527920663357,"channel":1,"num_words":8,"start":79.655,"end":81.755},{"sentences":[{"text":"Oh,","start":81.93,"end":82.43,"sentiment":"neutral","sentiment_score":-0.11663420498371124}],"sentiment":"neutral","sentiment_score":-0.11663420498371124,"channel":0,"num_words":1,"start":81.93,"end":82.43},{"sentences":[{"text":"We","start":82.695,"end":83.015,"sentiment":"neutral","sentiment_score":-0.1404733806848526}],"sentiment":"neutral","sentiment_score":-0.1404733806848526,"channel":1,"num_words":1,"start":82.695,"end":83.015},{"sentences":[{"text":"really?","start":83.45,"end":83.95,"sentiment":"neutral","sentiment_score":-0.12687325477600098}],"sentiment":"neutral","sentiment_score":-0.12687325477600098,"channel":0,"num_words":1,"start":83.45,"end":83.95},{"sentences":[{"text":"yeah.","start":84.295,"end":84.795,"sentiment":"neutral","sentiment_score":-0.1452576071023941},{"text":"It was due to the sensitivity of the case, it was a closed court.","start":84.854996,"end":89.02,"sentiment":"neutral","sentiment_score":-0.19071263819932938}],"sentiment":"neutral","sentiment_score":-0.18768230279286702,"channel":1,"num_words":15,"start":84.295,"end":89.02},{"sentences":[{"text":"Yeah.","start":89.53,"end":90.03,"sentiment":"neutral","sentiment_score":-0.15043127536773682}],"sentiment":"neutral","sentiment_score":-0.15043127536773682,"channel":0,"num_words":1,"start":89.53,"end":90.03},{"sentences":[{"text":"And by the end of the week, after some legal counsel, they actually discharged our jury, And the jury, you know, sort of officer who's looking after us said it was probably in all likelihood some either some evidence had been withdrawn or or whatever, and we'd all been contaminated.","start":91.479996,"end":117.84,"sentiment":"neutral","sentiment_score":-0.21129832297563553},{"text":"So","start":118.38,"end":118.88,"sentiment":"neutral","sentiment_score":-0.1259162724018097}],"sentiment":"neutral","sentiment_score":-0.2096241651212468,"channel":1,"num_words":51,"start":91.479996,"end":118.88},{"sentences":[{"text":"Oh, wow.","start":119.174995,"end":120.155,"sentiment":"neutral","sentiment_score":-0.18396331369876862}],"sentiment":"neutral","sentiment_score":-0.18396331369876862,"channel":0,"num_words":2,"start":119.174995,"end":120.155},{"sentences":[{"text":"yeah.","start":119.82,"end":120.32,"sentiment":"neutral","sentiment_score":-0.13545116782188416},{"text":"So we were discharged, and and they would obviously, I guess, go ahead with another jury at another time.","start":120.38,"end":126.86,"sentiment":"neutral","sentiment_score":-0.19375900061506973},{"text":"But, yeah, he sort of walked away with no 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think","start":422.6,"end":423.08002,"sentiment":"neutral","sentiment_score":0.051242031157016754}],"sentiment":"neutral","sentiment_score":0.04502612352371216,"channel":1,"num_words":3,"start":421.675,"end":423.08002},{"sentences":[{"text":"Yep.","start":422.89502,"end":423.215,"sentiment":"neutral","sentiment_score":0.06980973482131958}],"sentiment":"neutral","sentiment_score":0.06980973482131958,"channel":0,"num_words":1,"start":422.89502,"end":423.215},{"sentences":[{"text":"it","start":423.08002,"end":423.24002,"sentiment":"neutral","sentiment_score":0.08480873703956604}],"sentiment":"neutral","sentiment_score":0.08480873703956604,"channel":1,"num_words":1,"start":423.08002,"end":423.24002},{"sentences":[{"text":"That's","start":423.215,"end":423.535,"sentiment":"neutral","sentiment_score":0.1600312888622284}],"sentiment":"neutral","sentiment_score":0.1600312888622284,"channel":0,"num_words":1,"start":423.215,"end":423.535},{"sentences":[{"text":"was","start":423.24002,"end":423.74002,"sentiment":"neutral","sentiment_score":0.1707211434841156}],"sentiment":"neutral","sentiment_score":0.1707211434841156,"channel":1,"num_words":1,"start":423.24002,"end":423.74002},{"sentences":[{"text":"okay.","start":423.535,"end":424.035,"sentiment":"neutral","sentiment_score":0.15654906630516052}],"sentiment":"neutral","sentiment_score":0.15654906630516052,"channel":0,"num_words":1,"start":423.535,"end":424.035},{"sentences":[{"text":"with a with a changeover of something with the AMP Bank or a it","start":424.04,"end":428.6,"sentiment":"neutral","sentiment_score":0.022939341541911875}],"sentiment":"neutral","sentiment_score":0.022939341541911875,"channel":1,"num_words":14,"start":424.04,"end":428.6},{"sentences":[{"text":"Yep.","start":428.495,"end":428.995,"sentiment":"neutral","sentiment_score":0.013204464688897131}],"sentiment":"neutral","sentiment_score":0.013204464688897131,"channel":0,"num_words":1,"start":428.495,"end":428.995},{"sentences":[{"text":"was something to do with, like, years ago with the a with the AMP.","start":428.6,"end":433.58002,"sentiment":"neutral","sentiment_score":0.006938837202531951},{"text":"But,","start":434.36002,"end":434.6,"sentiment":"neutral","sentiment_score":-0.005156697705388069}],"sentiment":"neutral","sentiment_score":0.006132468208670616,"channel":1,"num_words":15,"start":428.6,"end":434.6},{"sentences":[{"text":"Yep.","start":434.415,"end":434.915,"sentiment":"neutral","sentiment_score":0.001999313710257411}],"sentiment":"neutral","sentiment_score":0.001999313710257411,"channel":0,"num_words":1,"start":434.415,"end":434.915},{"sentences":[{"text":"yeah, we never bought them.","start":434.6,"end":435.88,"sentiment":"neutral","sentiment_score":-0.026075610145926475},{"text":"They were actually gifted as part of some changeover on their behalf.","start":435.88,"end":440.295,"sentiment":"neutral","sentiment_score":0.020537989679723978}],"sentiment":"neutral","sentiment_score":0.00682810737806208,"channel":1,"num_words":17,"start":434.6,"end":440.295},{"sentences":[{"text":"Okay.","start":441.04,"end":441.54,"sentiment":"neutral","sentiment_score":0.003914492204785347},{"text":"No.","start":441.6,"end":441.91998,"sentiment":"neutral","sentiment_score":-0.04633653163909912},{"text":"That's okay.","start":441.91998,"end":442.63998,"sentiment":"neutral","sentiment_score":0.002683260943740607},{"text":"Do you happen to have any of the documents anywhere when they were originally gifted or provided to you guys with the information?","start":442.63998,"end":448.97998,"sentiment":"neutral","sentiment_score":-0.022985576125590698},{"text":"Just because I do need to be able to work out essentially what the cost base might be if there is a cost base, what they've said the initial buy price would look like, and work out the CGT consequences for you guys if you were to sell them.","start":449.04,"end":464.555,"sentiment":"neutral","sentiment_score":-0.09554542836790182}],"sentiment":"neutral","sentiment_score":-0.06904539155871853,"channel":0,"num_words":76,"start":441.04,"end":464.555},{"sentences":[{"text":"Yeah.","start":464.995,"end":465.395,"sentiment":"neutral","sentiment_score":-0.03828665614128113},{"text":"Look.","start":465.395,"end":465.875,"sentiment":"neutral","sentiment_score":-0.13055071234703064},{"text":"I doubt it very much.","start":465.875,"end":467.175,"sentiment":"neutral","sentiment_score":-0.3240158438682556},{"text":"But","start":467.63498,"end":467.875,"sentiment":"neutral","sentiment_score":-0.2697555124759674}],"sentiment":"neutral","sentiment_score":-0.25733401253819466,"channel":1,"num_words":8,"start":464.995,"end":467.875},{"sentences":[{"text":"No.","start":467.79,"end":468.11002,"sentiment":"neutral","sentiment_score":-0.25975102186203003}],"sentiment":"neutral","sentiment_score":-0.25975102186203003,"channel":0,"num_words":1,"start":467.79,"end":468.11002},{"sentences":[{"text":"I","start":467.875,"end":468.035,"sentiment":"neutral","sentiment_score":-0.22877325117588043}],"sentiment":"neutral","sentiment_score":-0.22877325117588043,"channel":1,"num_words":1,"start":467.875,"end":468.035},{"sentences":[{"text":"That's okay.","start":468.11002,"end":469.01,"sentiment":"neutral","sentiment_score":-0.09641316533088684},{"text":"That's okay.","start":469.23,"end":470.05002,"sentiment":"neutral","sentiment_score":0.12895886600017548}],"sentiment":"neutral","sentiment_score":0.016272850334644318,"channel":0,"num_words":4,"start":468.11002,"end":470.05002},{"sentences":[{"text":"yeah.","start":469.63498,"end":470.13498,"sentiment":"neutral","sentiment_score":-0.015222519636154177},{"text":"We're talking this is probably, like, close to thirty years ago.","start":470.19498,"end":475.57498,"sentiment":"neutral","sentiment_score":-0.032021112740039825}],"sentiment":"neutral","sentiment_score":-0.030621229981382687,"channel":1,"num_words":12,"start":469.63498,"end":475.57498},{"sentences":[{"text":"Okay.","start":476.27002,"end":476.77002,"sentiment":"neutral","sentiment_score":-0.02200653590261936}],"sentiment":"neutral","sentiment_score":-0.02200653590261936,"channel":0,"num_words":1,"start":476.27002,"end":476.77002},{"sentences":[{"text":"I I don't know.","start":477.49,"end":478.53,"sentiment":"neutral","sentiment_score":-0.09580133110284805},{"text":"I have to go way back in my archives and","start":478.53,"end":481.49,"sentiment":"neutral","sentiment_score":-0.06948719583451748}],"sentiment":"neutral","sentiment_score":-0.07700552019689764,"channel":1,"num_words":14,"start":477.49,"end":481.49},{"sentences":[{"text":"Yep.","start":481.405,"end":481.905,"sentiment":"neutral","sentiment_score":-0.04729028791189194}],"sentiment":"neutral","sentiment_score":-0.04729028791189194,"channel":0,"num_words":1,"start":481.405,"end":481.905},{"sentences":[{"text":"I but I doubt it very much.","start":481.49,"end":483.66998,"sentiment":"neutral","sentiment_score":-0.210971223456519}],"sentiment":"neutral","sentiment_score":-0.210971223456519,"channel":1,"num_words":7,"start":481.49,"end":483.66998},{"sentences":[{"text":"No.","start":483.645,"end":484.125,"sentiment":"neutral","sentiment_score":-0.19820043444633484},{"text":"That's okay.","start":484.125,"end":484.845,"sentiment":"neutral","sentiment_score":0.004522526636719704},{"text":"That's not a problem at all.","start":484.845,"end":486.125,"sentiment":"neutral","sentiment_score":0.3273703505595525},{"text":"We can always sort of revisit that down the track.","start":486.125,"end":488.785,"sentiment":"neutral","sentiment_score":0.2965052217245102},{"text":"One of the big things is because, Neil, you have technically worked for some of this financial year, I would be suggesting we just hold off on the AMP shares for now.","start":488.845,"end":497.36002,"sentiment":"neutral","sentiment_score":0.0022229867754504085}],"sentiment":"neutral","sentiment_score":0.09433832384792029,"channel":0,"num_words":51,"start":483.645,"end":497.36002},{"sentences":[{"text":"I did","start":497.66,"end":498.06,"sentiment":"neutral","sentiment_score":0.1252671666443348}],"sentiment":"neutral","sentiment_score":0.1252671666443348,"channel":0,"num_words":2,"start":497.66,"end":498.06},{"sentences":[{"text":"Yes.","start":497.855,"end":498.355,"sentiment":"neutral","sentiment_score":0.1901501715183258}],"sentiment":"neutral","sentiment_score":0.1901501715183258,"channel":1,"num_words":1,"start":497.855,"end":498.355},{"sentences":[{"text":"work out the value essentially with the current share price of those shares and the amount you do hold.","start":498.06,"end":503.76,"sentiment":"neutral","sentiment_score":0.2439519668880262},{"text":"The value is approximately about $2,600 worth.","start":504.025,"end":507.94498,"sentiment":"neutral","sentiment_score":0.22808403415339334},{"text":"So it's not a huge asset to hold.","start":507.94498,"end":510.525,"sentiment":"neutral","sentiment_score":0.003669652156531809},{"text":"It is something that does need to be disclosed to Centrelink as to the application, and it looks like on the application, they haven't been disclosed.","start":511.065,"end":517.645,"sentiment":"neutral","sentiment_score":0.07258634154613201},{"text":"So it is something to definitely make sure that we do add into the Centrelink update there.","start":517.785,"end":523.72003,"sentiment":"neutral","sentiment_score":0.30405838173978467}],"sentiment":"neutral","sentiment_score":0.17295156099966594,"channel":0,"num_words":77,"start":498.06,"end":523.72003},{"sentences":[{"text":"Yeah.","start":524.155,"end":524.655,"sentiment":"neutral","sentiment_score":0.24970924854278564}],"sentiment":"neutral","sentiment_score":0.24970924854278564,"channel":1,"num_words":1,"start":524.155,"end":524.655},{"sentences":[{"text":"But for the time being, holding them is not a problem.","start":524.26,"end":527.08,"sentiment":"neutral","sentiment_score":0.2404905679551038},{"text":"We can maybe come back down the track and reassess those shares and work out, you know, if selling them is a good idea or keeping them.","start":527.38,"end":533.715,"sentiment":"positive","sentiment_score":0.36487297382619643},{"text":"Normally, when we talk about selling investments and shares and things like that, because there are CGT of tax consequences for selling an investment, we normally sort of say, hold off until you have to sell them.","start":534.11505,"end":545.255,"sentiment":"neutral","sentiment_score":-0.015874266624450684},{"text":"If there's no need to sell them now, if you don't need the money desperately, then there's no point in creating a CDT event.","start":545.55505,"end":551.99,"sentiment":"neutral","sentiment_score":-0.03802874800749123},{"text":"You may as well just hold on to them.","start":551.99,"end":554.00995,"sentiment":"neutral","sentiment_score":0.09103011008765963}],"sentiment":"neutral","sentiment_score":0.10940925661405479,"channel":0,"num_words":108,"start":524.26,"end":554.00995},{"sentences":[{"text":"But, also, Neil, once you are officially, you know, not or haven't worked for twelve months, realistically, you won't have any actual income or you should be under the tax rate threshold.","start":554.47,"end":564.435,"sentiment":"neutral","sentiment_score":0.0695573469856754},{"text":"So selling them when you kind of hit that point could come at more of an advantage for you as well.","start":564.495,"end":570.65497,"sentiment":"positive","sentiment_score":0.5685202848343622},{"text":"That way, the money you sell them for, you get to keep for yourselves instead of having to pay tax on those.","start":570.65497,"end":576.815,"sentiment":"positive","sentiment_score":0.4760599867864089},{"text":"So we'll hold off for now.","start":576.815,"end":578.72003,"sentiment":"neutral","sentiment_score":0.07008234784007072},{"text":"If I if we can get you to gather a bit more detail down the track for me, I can have more of a look at those for you, and then we might sort of revisit that in the new financial year when we, you know, when you haven't worked for twelve months, then you're hopefully under that tax free threshold with income side of things.","start":578.86,"end":594.40497,"sentiment":"neutral","sentiment_score":0.04950610592001767}],"sentiment":"neutral","sentiment_score":0.19269372702126397,"channel":0,"num_words":147,"start":554.47,"end":594.40497},{"sentences":[{"text":"Does that make sense?","start":594.40497,"end":595.545,"sentiment":"neutral","sentiment_score":0.03783375583589077}],"sentiment":"neutral","sentiment_score":0.03783375583589077,"channel":0,"num_words":4,"start":594.40497,"end":595.545},{"sentences":[{"text":"Yep.","start":595.61,"end":596.11,"sentiment":"neutral","sentiment_score":0.1003432720899582}],"sentiment":"neutral","sentiment_score":0.1003432720899582,"channel":1,"num_words":1,"start":595.61,"end":596.11},{"sentences":[{"text":"Yep.","start":596.96497,"end":597.285,"sentiment":"neutral","sentiment_score":0.20042340457439425},{"text":"Beautiful.","start":597.285,"end":597.785,"sentiment":"positive","sentiment_score":0.6460627317428589},{"text":"All good.","start":598.08496,"end":598.825,"sentiment":"positive","sentiment_score":0.6293671429157257},{"text":"So we're holding off on those shares at the moment there, but it's good to kinda keep those as a record.","start":599.205,"end":604.265,"sentiment":"neutral","sentiment_score":0.2887333060304324},{"text":"To make things a bit easier, what I'll get you to do is if you can scroll forward for me down to about page number 12, this is essentially where the recommendations are starting for you.","start":606.21,"end":616.15,"sentiment":"neutral","sentiment_score":0.21633562280072105}],"sentiment":"neutral","sentiment_score":0.261585283108422,"channel":0,"num_words":61,"start":596.96497,"end":616.15},{"sentences":[{"text":"Yeah.","start":618.14,"end":618.64,"sentiment":"positive","sentiment_score":0.3958594799041748}],"sentiment":"positive","sentiment_score":0.3958594799041748,"channel":1,"num_words":1,"start":618.14,"end":618.64},{"sentences":[{"text":"Beautiful.","start":619.535,"end":620.035,"sentiment":"positive","sentiment_score":0.6342544555664062},{"text":"So I've put them into stages to kinda show you how this will work.","start":620.175,"end":623.615,"sentiment":"positive","sentiment_score":0.5287796940122332},{"text":"I'll go through it as easily as possible.","start":623.615,"end":625.615,"sentiment":"positive","sentiment_score":0.5439831912517548},{"text":"Feel free to let me know if you do happen to have any questions there.","start":625.615,"end":628.915,"sentiment":"neutral","sentiment_score":0.29510628382364906},{"text":"Essentially, to start with, I am recommending, Neil, that you do move a 100% into the account based pension side of things.","start":629.74,"end":635.57996,"sentiment":"neutral","sentiment_score":0.18158445033160123}],"sentiment":"positive","sentiment_score":0.3468414644400279,"channel":0,"num_words":60,"start":619.535,"end":635.57996},{"sentences":[{"text":"So we're gonna retain Hub twenty four as a platform and move all of your super a 100% into an account based pension for you within Hub twenty four.","start":635.57996,"end":644.8,"sentiment":"neutral","sentiment_score":0.25642779007040223},{"text":"Essentially, this then allows you to start drawing an income there.","start":645.605,"end":648.90497,"sentiment":"neutral","sentiment_score":0.1933350901712071},{"text":"With this recommendation here, I'm recommending that you do retain the full amount and that we would retain everything in your super and roll you over.","start":649.685,"end":658.185,"sentiment":"neutral","sentiment_score":0.2349137170956685},{"text":"The biggest thing with this is that I did go back and have a look at Centrelink and the assessment there because the way they assess your property, even though your property is essentially over that two hectares, just a little bit over the two hectares side of things, because, essentially, you guys have confirmed the property is not suitable for farming.","start":658.64996,"end":678.115,"sentiment":"neutral","sentiment_score":-0.17951028217231074},{"text":"It's swampy.","start":678.115,"end":678.915,"sentiment":"negative","sentiment_score":-0.4313633292913437}],"sentiment":"neutral","sentiment_score":0.02829603380881823,"channel":0,"num_words":130,"start":635.57996,"end":678.915},{"sentences":[{"text":"The soil isn't of a condition to do so.","start":678.915,"end":681.495,"sentiment":"neutral","sentiment_score":-0.3234262449873818},{"text":"Essentially, for them to assess that, they're assessing it under what's called the extended land purpose.","start":682.755,"end":689.45,"sentiment":"neutral","sentiment_score":-0.06362725188955665},{"text":"So they need to be able to show that, a, you've had the property for more than twenty years, which you absolutely have, and I was able to Google to check that too.","start":689.59,"end":697.91,"sentiment":"neutral","sentiment_score":0.08585598167370666},{"text":"So I'm not sure how they couldn't prove that originally.","start":697.91,"end":700.57,"sentiment":"neutral","sentiment_score":-0.25358622819185256},{"text":"You need to be of age pension age, which you do need, but then the other thing is making effective use of the productive land to generate income.","start":701.315,"end":708.935,"sentiment":"neutral","sentiment_score":-0.06246293083365474}],"sentiment":"neutral","sentiment_score":-0.056046345678623766,"channel":0,"num_words":96,"start":678.915,"end":708.935},{"sentences":[{"text":"So because the land is not suitable for generating income, it's swampy.","start":709.395,"end":714.20996,"sentiment":"negative","sentiment_score":-0.6900247782468796},{"text":"The soil is another condition where you can farm.","start":714.20996,"end":717.19,"sentiment":"neutral","sentiment_score":-0.32736602425575256},{"text":"The exception to this extended land use test is that the land is is that if the land has no scope or limited potential to you to earn income, it can still satisfy the test as long as it isn't being produced as a or used as a commercial property in any way, shape, or form.","start":717.81,"end":735.785,"sentiment":"neutral","sentiment_score":0.02978589804843068},{"text":"So it all comes down to is the land over that two hectares being used for the purpose that it is able to be used for?","start":736.565,"end":745.14,"sentiment":"neutral","sentiment_score":0.08507695579184936},{"text":"Is it being used in yeah.","start":745.14,"end":747.94,"sentiment":"neutral","sentiment_score":-0.00743415051450332}],"sentiment":"neutral","sentiment_score":-0.06780903962432244,"channel":0,"num_words":109,"start":709.395,"end":747.94},{"sentences":[{"text":"If it could be farmed, is it being used to to farm?","start":747.94,"end":751.08,"sentiment":"neutral","sentiment_score":-0.057285972870886326},{"text":"If it can't be farmed, then you can't use it for that practicality.","start":751.14,"end":754.585,"sentiment":"negative","sentiment_score":-0.43956302450253415},{"text":"So they can still assess it that way.","start":754.965,"end":757.125,"sentiment":"neutral","sentiment_score":-0.05426435545086861},{"text":"And when I've kinda gone back and looked at everything, the land over the two hectares is technically not usable as a income producing purpose.","start":757.125,"end":766.74,"sentiment":"negative","sentiment_score":-0.3488344690203667},{"text":"Therefore, it should absolutely be completely exempt for Centrelink purposes, and under their rules, it can be.","start":766.74,"end":773.54,"sentiment":"neutral","sentiment_score":-0.22944396558929891}],"sentiment":"neutral","sentiment_score":-0.25943033302823704,"channel":0,"num_words":75,"start":747.94,"end":773.54},{"sentences":[{"text":"So I've assessed it to be that to be completely exempt for you.","start":773.54,"end":777.585,"sentiment":"neutral","sentiment_score":0.03282001614570618},{"text":"We are obviously waiting for them to complete the assessment, and if they come back and say, hey.","start":778.305,"end":783.745,"sentiment":"neutral","sentiment_score":-0.1602013053165542},{"text":"We don't believe so, I would suggest that you guys ask them on what grounds, on what basis, and what have they done to show that.","start":783.745,"end":792.005,"sentiment":"neutral","sentiment_score":-0.27013628356731856},{"text":"Because,","start":792.41003,"end":792.81,"sentiment":"neutral","sentiment_score":-0.21127647161483765}],"sentiment":"neutral","sentiment_score":-0.16709970914084335,"channel":0,"num_words":58,"start":773.54,"end":792.81},{"sentences":[{"text":"Mhmm.","start":792.53,"end":793.03,"sentiment":"neutral","sentiment_score":-0.20192822813987732}],"sentiment":"neutral","sentiment_score":-0.20192822813987732,"channel":1,"num_words":1,"start":792.53,"end":793.03},{"sentences":[{"text":"realistically, if you can't use the land as farming, if it's not viable for primary production or for farming, then you can't use it for that purpose.","start":792.81,"end":803.23004,"sentiment":"negative","sentiment_score":-0.4942982053315198},{"text":"So it realistically should still be considered a fully exempt asset for you on that basis, but it also comes down to what Centrelink say, and I've seen some of them come back and have some really strange reasons for it.","start":803.45,"end":818.535,"sentiment":"neutral","sentiment_score":-0.23707490614274654},{"text":"So if at any point they come back and say it's not fully exempt, can you find out the reason why,","start":818.535,"end":824.84,"sentiment":"neutral","sentiment_score":-0.2957293079012916}],"sentiment":"neutral","sentiment_score":-0.32894874339023333,"channel":0,"num_words":89,"start":792.81,"end":824.84},{"sentences":[{"text":"Yes.","start":824.635,"end":825.135,"sentiment":"neutral","sentiment_score":-0.10412265360355376}],"sentiment":"neutral","sentiment_score":-0.10412265360355376,"channel":1,"num_words":1,"start":824.635,"end":825.135},{"sentences":[{"text":"what they've done, and how, and then come back to me?","start":824.84,"end":827.88,"sentiment":"neutral","sentiment_score":-0.2347509820352901},{"text":"I can always go back and reevaluate things if they are assessing some of the land as an asset.","start":827.88,"end":833.42,"sentiment":"neutral","sentiment_score":-0.017783635050842638},{"text":"But, theoretically, based on everything I've looked at and their own rules, your whole property should be fully exempt.","start":834.05505,"end":841.43506,"sentiment":"neutral","sentiment_score":0.011864993966331608},{"text":"Okay?","start":841.575,"end":842.075,"sentiment":"neutral","sentiment_score":0.03613448143005371}],"sentiment":"neutral","sentiment_score":-0.05317161003127694,"channel":0,"num_words":50,"start":824.84,"end":842.075},{"sentences":[{"text":"Yeah.","start":842.01,"end":842.51,"sentiment":"neutral","sentiment_score":0.05369514226913452},{"text":"Yeah.","start":842.81,"end":843.31,"sentiment":"neutral","sentiment_score":0.09120893478393556}],"sentiment":"neutral","sentiment_score":0.07245203852653503,"channel":1,"num_words":2,"start":842.01,"end":843.31},{"sentences":[{"text":"Yeah.","start":843.655,"end":844.05505,"sentiment":"neutral","sentiment_score":0.20899513363838196},{"text":"Perfect.","start":844.05505,"end":844.53503,"sentiment":"positive","sentiment_score":0.503226637840271},{"text":"And in the advice document, I've actually got snippets there and also in the appendices snippets from their ruling for you to show you exactly how they're assessing that under the extended land use test.","start":844.53503,"end":856.61,"sentiment":"neutral","sentiment_score":0.14981415633644377},{"text":"Okay?","start":856.83,"end":857.33,"sentiment":"neutral","sentiment_score":0.09029920399188995}],"sentiment":"neutral","sentiment_score":0.15910569598015986,"channel":0,"num_words":38,"start":843.655,"end":857.33},{"sentences":[{"text":"Yep.","start":858.135,"end":858.635,"sentiment":"neutral","sentiment_score":0.19527140259742737}],"sentiment":"neutral","sentiment_score":0.19527140259742737,"channel":1,"num_words":1,"start":858.135,"end":858.635},{"sentences":[{"text":"Beautiful.","start":858.99,"end":859.49,"sentiment":"positive","sentiment_score":0.5792513489723206},{"text":"It's a very broad statement they make, honestly.","start":859.63,"end":862.21,"sentiment":"positive","sentiment_score":0.5103166215121746},{"text":"Make effective use of the property.","start":862.99,"end":864.69,"sentiment":"positive","sentiment_score":0.4478229780991872},{"text":"Well, the property","start":864.855,"end":865.65497,"sentiment":"neutral","sentiment_score":0.09088608870903651}],"sentiment":"positive","sentiment_score":0.423410025321775,"channel":0,"num_words":18,"start":858.99,"end":865.65497},{"sentences":[{"text":"Yeah.","start":865.33,"end":865.83,"sentiment":"neutral","sentiment_score":0.07990073412656784}],"sentiment":"neutral","sentiment_score":0.07990073412656784,"channel":1,"num_words":1,"start":865.33,"end":865.83},{"sentences":[{"text":"can't be used for farming, so therefore, it's used effectively.","start":865.65497,"end":868.635,"sentiment":"neutral","sentiment_score":0.039104150142520666}],"sentiment":"neutral","sentiment_score":0.039104150142520666,"channel":0,"num_words":10,"start":865.65497,"end":868.635},{"sentences":[{"text":"Yeah.","start":869.25,"end":869.75,"sentiment":"neutral","sentiment_score":0.053872182965278625}],"sentiment":"neutral","sentiment_score":0.053872182965278625,"channel":1,"num_words":1,"start":869.25,"end":869.75},{"sentences":[{"text":"Yeah.","start":870.77496,"end":871.27496,"sentiment":"neutral","sentiment_score":0.08094150573015213},{"text":"All good.","start":871.33496,"end":872.07495,"sentiment":"neutral","sentiment_score":0.2040492221713066},{"text":"So, theoretically, I know one of the things that was made mentioned to you when you spoke to Maddie the other day, someone at Centrelink have made mention about drawing some money out and possibly putting that in your super, Camilla.","start":872.375,"end":883.52997,"sentiment":"neutral","sentiment_score":-0.14922039483378574},{"text":"That is something I have assessed.","start":883.91,"end":885.51,"sentiment":"negative","sentiment_score":-0.5542064507802328},{"text":"It is really honestly not worth doing at the moment.","start":885.51,"end":888.41,"sentiment":"negative","sentiment_score":-0.6889231443405152}],"sentiment":"neutral","sentiment_score":-0.26405777310331663,"channel":0,"num_words":60,"start":870.77496,"end":888.41},{"sentences":[{"text":"Yes.","start":888.935,"end":889.435,"sentiment":"neutral","sentiment_score":-0.1249479278922081}],"sentiment":"neutral","sentiment_score":-0.1249479278922081,"channel":1,"num_words":1,"start":888.935,"end":889.435},{"sentences":[{"text":"If there is any change to the Centrelink assessment, then we can absolutely look at doing that.","start":889.02997,"end":893.58997,"sentiment":"neutral","sentiment_score":-0.08506463446161326},{"text":"But to do that, I would want to make sure that I'm assessing your super as well, looking at how it's invested, whether the money being deposited make you know, what kind of caps it meets for you, how it's best to be deposited, and how that looks long term for you both as well.","start":893.58997,"end":909.365,"sentiment":"neutral","sentiment_score":0.07676403813741424},{"text":"Because the main sort of thing the main advantage to moving solely into the age pension side of things so in super in the accumulation stage at the moment, any income or capital gains that your super is making is actually being taxed at 15%.","start":909.75,"end":925.13,"sentiment":"neutral","sentiment_score":0.11409367380870714},{"text":"Neil, by you actually moving wholly into the pension phase, moving all your funds into there, there's no income or capital gains tax applicable to your funds.","start":925.815,"end":936.775,"sentiment":"neutral","sentiment_score":0.09140951020850076},{"text":"So all of your money is sitting in that pension phase.","start":936.775,"end":939.255,"sentiment":"neutral","sentiment_score":0.19881901415911588}],"sentiment":"neutral","sentiment_score":0.0810658358998837,"channel":0,"num_words":155,"start":889.02997,"end":939.255},{"sentences":[{"text":"It's still working and growing, producing income and growth, and it's not paying any income or CDT tax.","start":939.255,"end":946.42,"sentiment":"neutral","sentiment_score":0.2100955918431282},{"text":"So that phase is completely tax free as well as the the drawdowns being tax free for you.","start":946.42,"end":952.26,"sentiment":"neutral","sentiment_score":0.23815775911013284},{"text":"Does that make sense?","start":952.26,"end":953.32,"sentiment":"neutral","sentiment_score":0.13419170305132866}],"sentiment":"neutral","sentiment_score":0.21513317823410033,"channel":0,"num_words":40,"start":939.255,"end":953.32},{"sentences":[{"text":"Yeah.","start":953.5,"end":953.82,"sentiment":"neutral","sentiment_score":0.021231312304735184},{"text":"Yeah.","start":953.82,"end":953.98004,"sentiment":"neutral","sentiment_score":-0.002424372360110283},{"text":"I didn't think I didn't know that stuff like that","start":953.98004,"end":956.7,"sentiment":"neutral","sentiment_score":-0.08366461247205734}],"sentiment":"neutral","sentiment_score":-0.06815326539799571,"channel":1,"num_words":12,"start":953.5,"end":956.7},{"sentences":[{"text":"Yeah.","start":956.645,"end":957.145,"sentiment":"neutral","sentiment_score":-0.04413940757513046}],"sentiment":"neutral","sentiment_score":-0.04413940757513046,"channel":0,"num_words":1,"start":956.645,"end":957.145},{"sentences":[{"text":"happened.","start":956.7,"end":957.2,"sentiment":"neutral","sentiment_score":-0.025876380503177643},{"text":"It's tax you on everything.","start":957.5,"end":958.72003,"sentiment":"neutral","sentiment_score":-0.31163517832756044}],"sentiment":"neutral","sentiment_score":-0.26400871202349663,"channel":1,"num_words":6,"start":956.7,"end":958.72003},{"sentences":[{"text":"Yeah.","start":959.365,"end":959.685,"sentiment":"neutral","sentiment_score":-0.1911982297897339},{"text":"No.","start":959.685,"end":960.005,"sentiment":"neutral","sentiment_score":-0.30712196230888367},{"text":"Not in pension phase.","start":960.005,"end":961.205,"sentiment":"neutral","sentiment_score":-0.2667926177382469},{"text":"You're in the coolest phase of life.","start":961.205,"end":963.145,"sentiment":"positive","sentiment_score":0.4100871128695352},{"text":"So, look, the first other recommendation that is that we do, we move you into the hub twenty four pension account.","start":966.67,"end":972.67,"sentiment":"neutral","sentiment_score":0.3100596410887582}],"sentiment":"neutral","sentiment_score":0.2298932820558548,"channel":0,"num_words":34,"start":959.365,"end":972.67},{"sentences":[{"text":"It's a full account based pension there, and it's it's a very easy transfer.","start":972.67,"end":977.08997,"sentiment":"positive","sentiment_score":0.49957147240638733},{"text":"Everything is in specie transferred across.","start":977.14996,"end":979.125,"sentiment":"positive","sentiment_score":0.4325753152370453},{"text":"We just get you to sign the form, get your bank information, and we do all that process there for you.","start":979.125,"end":984.005,"sentiment":"positive","sentiment_score":0.39225151141484577},{"text":"It's a straight transfer, and it happens very quickly for you.","start":984.005,"end":987.205,"sentiment":"positive","sentiment_score":0.6624923890287225},{"text":"Okay?","start":987.205,"end":987.705,"sentiment":"neutral","sentiment_score":0.2429366111755371}],"sentiment":"positive","sentiment_score":0.478435606326697,"channel":0,"num_words":53,"start":972.67,"end":987.705},{"sentences":[{"text":"Yep.","start":988.33,"end":988.83,"sentiment":"neutral","sentiment_score":0.2781384587287903}],"sentiment":"neutral","sentiment_score":0.2781384587287903,"channel":1,"num_words":1,"start":988.33,"end":988.83},{"sentences":[{"text":"Once we've done that, if you scroll further on down there for me to page number 19, you'll have the stage two.","start":989.365,"end":997.4,"sentiment":"neutral","sentiment_score":0.13196211037310687},{"text":"This is where we're gonna start by drawing a lump sum drawdown from your pension account of 87,000.","start":997.54004,"end":1003.96,"sentiment":"neutral","sentiment_score":0.1630653076701694},{"text":"So, essentially, with the statement you provided from the bank, you owe just over 86,000 on the mortgage there.","start":1004.615,"end":1012.135,"sentiment":"neutral","sentiment_score":0.14557817460674988},{"text":"I've just rounded it up to 87,000 just to make sure we're covering any differences.","start":1012.135,"end":1017.33496,"sentiment":"neutral","sentiment_score":0.16543079415957132},{"text":"Because when you think about mortgages, interest is calculated daily and charged monthly.","start":1017.33496,"end":1022.43,"sentiment":"neutral","sentiment_score":0.15409797659287086}],"sentiment":"neutral","sentiment_score":0.15044899875747747,"channel":0,"num_words":87,"start":989.365,"end":1022.43},{"sentences":[{"text":"So the payout figure they give you can change on a regular basis.","start":1022.64996,"end":1026.73,"sentiment":"neutral","sentiment_score":0.3002964017482904},{"text":"So I just sort of when I looked at things, my let's just round it up to 87,000, a nice rounded figure there for you.","start":1026.73,"end":1033.815,"sentiment":"neutral","sentiment_score":0.32626461625099185},{"text":"It gives you a bit of a buffer in case there's some additional interest somewhere that they haven't accounted for.","start":1033.815,"end":1038.875,"sentiment":"neutral","sentiment_score":0.30582207068800926},{"text":"And then it also just gives you a small buffer, a a few x you know, a couple extra $100 just to sort of have sitting aside to go out and enjoy yourself or to put, you know, in a in an account somewhere.","start":1039.1749,"end":1049.73,"sentiment":"positive","sentiment_score":0.4237791204994375},{"text":"So I've just kind of rounded that figure up for you, but the reason we're moving into pension phase first is because, a, your income payments are drawn down completely tax free, but there's no income or CDT tax in pension phase.","start":1050.4299,"end":1063.95,"sentiment":"neutral","sentiment_score":0.22543507299962498}],"sentiment":"neutral","sentiment_score":0.3214685028522379,"channel":0,"num_words":144,"start":1022.64996,"end":1063.95},{"sentences":[{"text":"So by moving into pension phase first and then drawing down from the pension of the 87,000,","start":1063.95,"end":1070.4249,"sentiment":"neutral","sentiment_score":0.3325512794887318}],"sentiment":"neutral","sentiment_score":0.3325512794887318,"channel":0,"num_words":17,"start":1063.95,"end":1070.4249},{"sentences":[{"text":"Yes.","start":1070.98,"end":1071.48,"sentiment":"positive","sentiment_score":0.4434772729873657}],"sentiment":"positive","sentiment_score":0.4434772729873657,"channel":1,"num_words":1,"start":1070.98,"end":1071.48},{"sentences":[{"text":"your fund will have no tax consequences for selling down the investments.","start":1071.0449,"end":1074.985,"sentiment":"neutral","sentiment_score":0.26639809311988455},{"text":"Whereas if we held you in the accumulation phase first and then completed the sell down, your fund would have to account for capital gains tax at 10 to 15% and or income tax at 15% there as well.","start":1075.0449,"end":1088.16,"sentiment":"neutral","sentiment_score":-0.025259453086898878},{"text":"So it works out to your benefit to move in the pension phase and then complete that drawdown.","start":1088.16,"end":1092.825,"sentiment":"neutral","sentiment_score":0.05489997731314765},{"text":"Does that make sense?","start":1092.825,"end":1093.965,"sentiment":"neutral","sentiment_score":0.023993132170289755}],"sentiment":"neutral","sentiment_score":0.045148363936539385,"channel":0,"num_words":73,"start":1071.0449,"end":1093.965},{"sentences":[{"text":"Absolutely.","start":1094.19,"end":1094.69,"sentiment":"positive","sentiment_score":0.4314424693584442},{"text":"Thank you.","start":1094.99,"end":1095.73,"sentiment":"positive","sentiment_score":0.5921454131603241}],"sentiment":"positive","sentiment_score":0.5385777652263641,"channel":1,"num_words":3,"start":1094.19,"end":1095.73},{"sentences":[{"text":"Yep.","start":1095.465,"end":1095.965,"sentiment":"positive","sentiment_score":0.35434064269065857},{"text":"Perfect.","start":1096.1849,"end":1096.585,"sentiment":"positive","sentiment_score":0.603549599647522},{"text":"That's okay.","start":1096.585,"end":1097.325,"sentiment":"positive","sentiment_score":0.4087197184562683},{"text":"So that'll be drawn down to your bank account, and then you can move the funds across, and then you'll be able to pay out your mortgage 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well.","start":1110.25,"end":1118.8301,"sentiment":"positive","sentiment_score":0.4530457200542573},{"text":"Okay?","start":1118.89,"end":1119.39,"sentiment":"neutral","sentiment_score":0.1670520305633545}],"sentiment":"positive","sentiment_score":0.44981146790087223,"channel":0,"num_words":48,"start":1105.8501,"end":1119.39},{"sentences":[{"text":"Yep.","start":1119.1799,"end":1119.6799,"sentiment":"neutral","sentiment_score":0.19032518565654755},{"text":"Yep.","start":1119.98,"end":1120.48,"sentiment":"neutral","sentiment_score":0.27605926990509033}],"sentiment":"neutral","sentiment_score":0.23319222778081894,"channel":1,"num_words":2,"start":1119.1799,"end":1120.48},{"sentences":[{"text":"Excellent.","start":1121.1449,"end":1121.6449,"sentiment":"positive","sentiment_score":0.5736638307571411},{"text":"If you go down to page number 23 for me, we have stage three for you.","start":1122.505,"end":1127.8049,"sentiment":"neutral","sentiment_score":0.2025348274037242},{"text":"Now this is essentially what we wanna do with regard to an investment switch.","start":1128.0249,"end":1131.945,"sentiment":"neutral","sentiment_score":0.13458287609475},{"text":"So once we've completed that drawdown of the of the funds for you to pay out your mortgage, which will leave you both completely debt free, which is fantastic, we're gonna also do a bit of an investment switch here.","start":1131.945,"end":1144.19,"sentiment":"positive","sentiment_score":0.3797598369419575},{"text":"Essentially, I had a really good look at your investments at the way you were invested.","start":1144.8099,"end":1149.47,"sentiment":"neutral","sentiment_score":0.18654348328709602}],"sentiment":"neutral","sentiment_score":0.2744077074116674,"channel":0,"num_words":87,"start":1121.1449,"end":1149.47},{"sentences":[{"text":"We did talk about just maybe reducing the risk level a little bit and making sure you're in that balanced kind of environment, which is generally where you see about 60% of your super 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life.","start":1193.415,"end":1202.8999,"sentiment":"neutral","sentiment_score":0.23537825932726264},{"text":"Does that make sense?","start":1202.8999,"end":1204.0399,"sentiment":"neutral","sentiment_score":0.1805693544447422}],"sentiment":"neutral","sentiment_score":0.26726694008586005,"channel":0,"num_words":171,"start":1149.5299,"end":1204.0399},{"sentences":[{"text":"Yeah.","start":1204.49,"end":1204.8099,"sentiment":"neutral","sentiment_score":0.08058682829141617},{"text":"So this here,","start":1204.8099,"end":1206.03,"sentiment":"neutral","sentiment_score":0.04331685851017634}],"sentiment":"neutral","sentiment_score":0.0526343509554863,"channel":1,"num_words":4,"start":1204.49,"end":1206.03},{"sentences":[{"text":"Yeah.","start":1205.7799,"end":1206.2799,"sentiment":"neutral","sentiment_score":0.023268571123480797}],"sentiment":"neutral","sentiment_score":0.023268571123480797,"channel":0,"num_words":1,"start":1205.7799,"end":1206.2799},{"sentences":[{"text":"where it says retain your HUB24 Superfund, it's actually the the pension phase of the Superfund, 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the wording that they have in the","start":1218.7699,"end":1220.13,"sentiment":"neutral","sentiment_score":0.012026984361000359}],"sentiment":"neutral","sentiment_score":0.012026984361000359,"channel":0,"num_words":8,"start":1218.7699,"end":1220.13},{"sentences":[{"text":"Yep.","start":1220.0751,"end":1220.5751,"sentiment":"neutral","sentiment_score":0.012194017879664898}],"sentiment":"neutral","sentiment_score":0.012194017879664898,"channel":1,"num_words":1,"start":1220.0751,"end":1220.5751},{"sentences":[{"text":"template there.","start":1220.13,"end":1220.9299,"sentiment":"neutral","sentiment_score":0.008285326417535543},{"text":"I do apologize","start":1220.9299,"end":1221.6699,"sentiment":"neutral","sentiment_score":-0.034730286647876106}],"sentiment":"neutral","sentiment_score":-0.017524041421711444,"channel":0,"num_words":5,"start":1220.13,"end":1221.6699},{"sentences":[{"text":"Yep.","start":1221.1951,"end":1221.6951,"sentiment":"neutral","sentiment_score":-0.014084207825362682}],"sentiment":"neutral","sentiment_score":-0.014084207825362682,"channel":1,"num_words":1,"start":1221.1951,"end":1221.6951},{"sentences":[{"text":"that, but you'll be","start":1221.73,"end":1222.7699,"sentiment":"neutral","sentiment_score":-0.015669140964746475}],"sentiment":"neutral","sentiment_score":-0.015669140964746475,"channel":0,"num_words":4,"start":1221.73,"end":1222.7699},{"sentences":[{"text":"Right.","start":1222.635,"end":1223.135,"sentiment":"neutral","sentiment_score":-0.0005103256553411484}],"sentiment":"neutral","sentiment_score":-0.0005103256553411484,"channel":1,"num_words":1,"start":1222.635,"end":1223.135},{"sentences":[{"text":"in the pension phase first.","start":1222.7699,"end":1224.21,"sentiment":"neutral","sentiment_score":-0.0007682322524487972},{"text":"Sorry.","start":1224.21,"end":1224.71,"sentiment":"neutral","sentiment_score":-0.0404692143201828},{"text":"Yeah.","start":1225.09,"end":1225.59,"sentiment":"neutral","sentiment_score":-0.017929542809724808}],"sentiment":"neutral","sentiment_score":-0.008891416913164514,"channel":0,"num_words":7,"start":1222.7699,"end":1225.59},{"sentences":[{"text":"No.","start":1225.1151,"end":1225.435,"sentiment":"neutral","sentiment_score":-0.07137036323547363},{"text":"Not at all.","start":1225.435,"end":1226.0751,"sentiment":"neutral","sentiment_score":-0.09874474753936131},{"text":"Not at all.","start":1226.0751,"end":1226.7151,"sentiment":"neutral","sentiment_score":-0.08289873351653416},{"text":"Just making","start":1226.7151,"end":1227.435,"sentiment":"neutral","sentiment_score":-0.005972438957542181}],"sentiment":"neutral","sentiment_score":-0.0698050760353605,"channel":1,"num_words":9,"start":1225.1151,"end":1227.435},{"sentences":[{"text":"That's","start":1227.25,"end":1227.57,"sentiment":"neutral","sentiment_score":0.03978407382965088}],"sentiment":"neutral","sentiment_score":0.03978407382965088,"channel":0,"num_words":1,"start":1227.25,"end":1227.57},{"sentences":[{"text":"sure","start":1227.435,"end":1227.935,"sentiment":"neutral","sentiment_score":0.06094968318939209}],"sentiment":"neutral","sentiment_score":0.06094968318939209,"channel":1,"num_words":1,"start":1227.435,"end":1227.935},{"sentences":[{"text":"okay.","start":1227.57,"end":1228.07,"sentiment":"neutral","sentiment_score":0.05212151259183884}],"sentiment":"neutral","sentiment_score":0.05212151259183884,"channel":0,"num_words":1,"start":1227.57,"end":1228.07},{"sentences":[{"text":"on the right page.","start":1228.3151,"end":1229.4551,"sentiment":"neutral","sentiment_score":0.06725757848471403}],"sentiment":"neutral","sentiment_score":0.06725757848471403,"channel":1,"num_words":4,"start":1228.3151,"end":1229.4551},{"sentences":[{"text":"Absolutely.","start":1229.01,"end":1229.51,"sentiment":"positive","sentiment_score":0.3542898893356323},{"text":"Absolutely.","start":1231.1699,"end":1231.6699,"sentiment":"positive","sentiment_score":0.3903416395187378},{"text":"All good.","start":1233.0349,"end":1233.695,"sentiment":"positive","sentiment_score":0.5055546462535858},{"text":"So that's essentially underneath the outlining the best interest, Judy, the recommendations around the advantages, disadvantages, and the risk of that strategy there.","start":1235.6749,"end":1245.81,"sentiment":"neutral","sentiment_score":0.10542633202250885},{"text":"If you scroll down a little bit further for me to page number 30, I'll show you what changes we're gonna make to the investments just so you can see all of that.","start":1245.89,"end":1254.39,"sentiment":"neutral","sentiment_score":0.060567007146098396}],"sentiment":"neutral","sentiment_score":0.10298762822834154,"channel":0,"num_words":60,"start":1229.01,"end":1254.39},{"sentences":[{"text":"Yep.","start":1261.95,"end":1262.45,"sentiment":"neutral","sentiment_score":0.11670523136854172},{"text":"I'm there.","start":1262.75,"end":1263.41,"sentiment":"neutral","sentiment_score":0.12204479426145554}],"sentiment":"neutral","sentiment_score":0.1202649399638176,"channel":1,"num_words":3,"start":1261.95,"end":1263.41},{"sentences":[{"text":"Beautiful.","start":1263.4249,"end":1263.9249,"sentiment":"positive","sentiment_score":0.5568015575408936},{"text":"Beautiful.","start":1264.945,"end":1265.105,"sentiment":"positive","sentiment_score":0.5186579823493958},{"text":"So this is essentially the investments that you do have in there.","start":1265.105,"end":1268.3049,"sentiment":"neutral","sentiment_score":0.16941645989815393},{"text":"So you've got well, what what we're going to do sorry.","start":1268.3049,"end":1271.6649,"sentiment":"neutral","sentiment_score":0.0796944432976571},{"text":"And the red is what gonna be selling off, and the green is what we're gonna be purchasing into.","start":1271.6649,"end":1275.98,"sentiment":"neutral","sentiment_score":0.011533022122947793}],"sentiment":"neutral","sentiment_score":0.0955505308017812,"channel":0,"num_words":44,"start":1263.4249,"end":1275.98},{"sentences":[{"text":"So we are gonna be selling down the battery and lithium tax, selling down the ban along Australian equities, which is the one that's been underperforming a little bit there as well.","start":1275.98,"end":1285.12,"sentiment":"neutral","sentiment_score":-0.04661007138201967},{"text":"We'll also be selling down the bank hybrids.","start":1285.725,"end":1288.305,"sentiment":"neutral","sentiment_score":-0.03312321100383997},{"text":"They are actually being phased out as an investment in the future, so removing those whilst we are making changes of portfolio and distributing the funds now is a good idea.","start":1288.765,"end":1297.825,"sentiment":"neutral","sentiment_score":0.052697576342090484},{"text":"Best to do it now while we have the option to do it rather than down the track when we have no choice and have to do it quickly for you.","start":1298.0801,"end":1304.5801,"sentiment":"neutral","sentiment_score":0.049466489784179196}],"sentiment":"neutral","sentiment_score":0.013829196839794224,"channel":0,"num_words":102,"start":1275.98,"end":1304.5801},{"sentences":[{"text":"Mhmm.","start":1304.975,"end":1305.475,"sentiment":"neutral","sentiment_score":0.02776641957461834}],"sentiment":"neutral","sentiment_score":0.02776641957461834,"channel":1,"num_words":1,"start":1304.975,"end":1305.475},{"sentences":[{"text":"So selling off all the bank hybrids there.","start":1305.36,"end":1307.78,"sentiment":"neutral","sentiment_score":-0.00747220404446125},{"text":"Physical gold is a great investment.","start":1308.0801,"end":1309.86,"sentiment":"positive","sentiment_score":0.38421062628428143},{"text":"We're just rebalancing it for you.","start":1309.92,"end":1312.24,"sentiment":"neutral","sentiment_score":0.22228619704643884},{"text":"So you are a bit you've got a 9% at the moment.","start":1312.24,"end":1314.9249,"sentiment":"neutral","sentiment_score":0.07395317529638608},{"text":"We do wanna hold 10% of your total balance there.","start":1314.9249,"end":1317.8049,"sentiment":"neutral","sentiment_score":0.05602140016853809}],"sentiment":"neutral","sentiment_score":0.11968703363977727,"channel":0,"num_words":42,"start":1305.36,"end":1317.8049},{"sentences":[{"text":"But when we","start":1317.8049,"end":1318.2849,"sentiment":"neutral","sentiment_score":0.0009127122660477956}],"sentiment":"neutral","sentiment_score":0.0009127122660477956,"channel":0,"num_words":3,"start":1317.8049,"end":1318.2849},{"sentences":[{"text":"Mhmm.","start":1318.2799,"end":1318.7799,"sentiment":"neutral","sentiment_score":-0.0046347323805093765}],"sentiment":"neutral","sentiment_score":-0.0046347323805093765,"channel":1,"num_words":1,"start":1318.2799,"end":1318.7799},{"sentences":[{"text":"look at the amount you hold now compared to what we need to have in your total balance, we just need to sell off a little bit of that as well.","start":1318.2849,"end":1325.725,"sentiment":"neutral","sentiment_score":-0.04435802022776296},{"text":"And we're also selling some of that down to withdraw the 87,000 for you.","start":1325.725,"end":1330.46,"sentiment":"neutral","sentiment_score":0.1304858172578471}],"sentiment":"neutral","sentiment_score":0.010037840323315726,"channel":0,"num_words":45,"start":1318.2849,"end":1330.46},{"sentences":[{"text":"Mhmm.","start":1331.0149,"end":1331.5149,"sentiment":"neutral","sentiment_score":0.07238167524337769}],"sentiment":"neutral","sentiment_score":0.07238167524337769,"channel":1,"num_words":1,"start":1331.0149,"end":1331.5149},{"sentences":[{"text":"With the core composite bonds, because we are getting rid of the bank hybrids, we wanna make sure and increase those defensive lower risk investments, and core composite bonds are essentially that.","start":1331.32,"end":1341.795,"sentiment":"neutral","sentiment_score":0.19757731817662716},{"text":"Bonds are more of an income producing lower risk investment.","start":1342.435,"end":1345.8151,"sentiment":"neutral","sentiment_score":0.29320949763059617},{"text":"They do tend to get a lower rate of return, but they don't fluctuate.","start":1345.875,"end":1348.775,"sentiment":"neutral","sentiment_score":0.2741514540144375},{"text":"They don't go up and down as drastically like shares do.","start":1348.8351,"end":1351.9751,"sentiment":"neutral","sentiment_score":0.011713005602359772},{"text":"So we","start":1352.115,"end":1352.515,"sentiment":"neutral","sentiment_score":0.15467273443937302}],"sentiment":"neutral","sentiment_score":0.1960996818067371,"channel":0,"num_words":69,"start":1331.32,"end":1352.515},{"sentences":[{"text":"Yes.","start":1352.3501,"end":1352.8501,"sentiment":"neutral","sentiment_score":0.30697986483573914}],"sentiment":"neutral","sentiment_score":0.30697986483573914,"channel":1,"num_words":1,"start":1352.3501,"end":1352.8501},{"sentences":[{"text":"do wanna increase exposure into these lower risk investments like just like bonds.","start":1352.515,"end":1357.5751,"sentiment":"neutral","sentiment_score":0.27106985679039586},{"text":"So putting 25% of your funds into this sort of investment here.","start":1358.09,"end":1361.9501,"sentiment":"neutral","sentiment_score":0.31691887229681015},{"text":"We are still holding the S and P 500, so exposure into The US is still really important.","start":1362.5701,"end":1367.93,"sentiment":"neutral","sentiment_score":0.16114572849538591},{"text":"And you do wanna have some growth investments in your soup in your super in your pension anyway.","start":1367.93,"end":1373.23,"sentiment":"positive","sentiment_score":0.3350677722030216},{"text":"Even when we are taking lower risk, having some growth investments is still really important for","start":1373.625,"end":1378.505,"sentiment":"neutral","sentiment_score":0.21175871300511062}],"sentiment":"neutral","sentiment_score":0.25515476657779185,"channel":0,"num_words":77,"start":1352.515,"end":1378.505},{"sentences":[{"text":"Yes.","start":1378.5,"end":1379.0,"sentiment":"positive","sentiment_score":0.4418831169605255}],"sentiment":"positive","sentiment_score":0.4418831169605255,"channel":1,"num_words":1,"start":1378.5,"end":1379.0},{"sentences":[{"text":"getting some good higher returns and providing longevity.","start":1378.505,"end":1381.245,"sentiment":"positive","sentiment_score":0.5918467044830322},{"text":"So we are gonna keep the S and P 500, but we're just gonna sell some of it off and rebalance that reduce your risk in that and also selling some of that to be able to draw down the 87,000 for you as well.","start":1382.025,"end":1394.32,"sentiment":"neutral","sentiment_score":0.3075027061833276},{"text":"Okay?","start":1394.32,"end":1394.82,"sentiment":"neutral","sentiment_score":0.1701478660106659}],"sentiment":"positive","sentiment_score":0.3470841348171234,"channel":0,"num_words":54,"start":1378.505,"end":1394.82},{"sentences":[{"text":"Yep.","start":1395.4199,"end":1395.9199,"sentiment":"neutral","sentiment_score":0.2263086289167404}],"sentiment":"neutral","sentiment_score":0.2263086289167404,"channel":1,"num_words":1,"start":1395.4199,"end":1395.9199},{"sentences":[{"text":"The beta shares Rafi 200, we're gonna sell that down completely, remove that out of the portfolio, and also removing all the infrastructure there as well.","start":1396.64,"end":1405.0599,"sentiment":"neutral","sentiment_score":0.015617489671477905},{"text":"Where we are gonna see your funds invested, so, essentially, what you'll see once we've completed the rebalance and altered the investments, you'll still have about 10% physical gold.","start":1405.815,"end":1415.195,"sentiment":"neutral","sentiment_score":0.21627065924734906},{"text":"We'll have 25% in the core composite funds.","start":1415.255,"end":1418.28,"sentiment":"neutral","sentiment_score":0.2531580235809088},{"text":"We're gonna retain 22% of the s and p 500, so The US exposure.","start":1418.28,"end":1423.18,"sentiment":"neutral","sentiment_score":0.22151782044342586},{"text":"We're also gonna have some cybersecurity, so some global cybersecurity, which is diversifying, giving you access to cybersecurity country across the globe, all over the world.","start":1423.72,"end":1433.955,"sentiment":"neutral","sentiment_score":0.31623154706679857}],"sentiment":"neutral","sentiment_score":0.19443143444877226,"channel":0,"num_words":103,"start":1396.64,"end":1433.955},{"sentences":[{"text":"We're also gonna keep some European exposure, and that's into all the European countries, not just one, two, or three.","start":1434.515,"end":1440.115,"sentiment":"neutral","sentiment_score":0.20787709727883338},{"text":"So, again, looking at diversification for lowering risk, but also looking for some growth in those areas.","start":1440.115,"end":1445.575,"sentiment":"positive","sentiment_score":0.3486339082831846},{"text":"The Vanguard or WorldX US, that's essentially looking at investing across every country except for The US, and that's because we have the S and P 500 above there.","start":1446.69,"end":1457.59,"sentiment":"neutral","sentiment_score":0.09672077462590974},{"text":"And, again, it's diversification.","start":1457.65,"end":1458.87,"sentiment":"neutral","sentiment_score":0.2562934309244156},{"text":"So one of the best best ways to mitigate long term market risk is to diversify.","start":1459.4099,"end":1464.115,"sentiment":"neutral","sentiment_score":0.2905186861753464}],"sentiment":"neutral","sentiment_score":0.21584527387262084,"channel":0,"num_words":86,"start":1434.515,"end":1464.115},{"sentences":[{"text":"Make sure you're spreading your risk across lots of different countries, asset classes, across those growth and defensive assets there.","start":1465.4551,"end":1472.255,"sentiment":"neutral","sentiment_score":0.29230368584394456},{"text":"So this Vanguard index fund is essentially looking to do that, and we'll hold about 6% of that for you as well.","start":1472.255,"end":1479.78,"sentiment":"positive","sentiment_score":0.40923164649443194}],"sentiment":"positive","sentiment_score":0.3535516652322951,"channel":0,"num_words":42,"start":1465.4551,"end":1479.78},{"sentences":[{"text":"Yep.","start":1480.52,"end":1481.02,"sentiment":"neutral","sentiment_score":0.13447871804237366}],"sentiment":"neutral","sentiment_score":0.13447871804237366,"channel":1,"num_words":1,"start":1480.52,"end":1481.02},{"sentences":[{"text":"It's important to have some Australian exposure, and that's what the BetaShares Australian 200 is.","start":1480.88,"end":1486.905,"sentiment":"neutral","sentiment_score":0.15270923574765524},{"text":"That's essentially giving you exposure to the top 200 companies on the ASX.","start":1487.305,"end":1491.805,"sentiment":"neutral","sentiment_score":0.2137306653536283},{"text":"And one of the things I do like about these sorts of index investments is that they're tracking in indices.","start":1492.505,"end":1497.725,"sentiment":"neutral","sentiment_score":0.26337161660194397},{"text":"So one of the things that I like to make sure we're doing or is really good to do is that with the a 200 and even the S and P 500, you're tracking those indexes with the top 200 or the top 500 companies on The US and the Australian market there.","start":1498.345,"end":1513.785,"sentiment":"neutral","sentiment_score":0.23335869933636683},{"text":"In order for companies to be inside the indices that this investment is tracking, they have to meet a criteria.","start":1514.025,"end":1520.285,"sentiment":"neutral","sentiment_score":0.01714373230934143}],"sentiment":"neutral","sentiment_score":0.1904748366021913,"channel":0,"num_words":121,"start":1480.88,"end":1520.285},{"sentences":[{"text":"So say if a company on the ASX didn't meet the criteria to be in the a 200, it would be removed out of the industry and therefore removed out of the investment that you're invested in as well and replaced with something else that does meet that criteria.","start":1520.8251,"end":1534.4601,"sentiment":"neutral","sentiment_score":-0.15377850176728503},{"text":"So you","start":1534.92,"end":1535.24,"sentiment":"neutral","sentiment_score":0.03960314020514488}],"sentiment":"neutral","sentiment_score":-0.14619490796444462,"channel":0,"num_words":51,"start":1520.8251,"end":1535.24},{"sentences":[{"text":"Okay.","start":1535.24,"end":1535.74,"sentiment":"neutral","sentiment_score":0.14806535840034485}],"sentiment":"neutral","sentiment_score":0.14806535840034485,"channel":1,"num_words":1,"start":1535.24,"end":1535.74},{"sentences":[{"text":"can rest assured that you are always invested in the top 200 companies with the a 200, and the same goes with the S and P 500.","start":1535.24,"end":1542.665,"sentiment":"neutral","sentiment_score":0.17679430820323802},{"text":"It tracks the S and P 500 index.","start":1542.665,"end":1545.005,"sentiment":"neutral","sentiment_score":0.10912825725972652},{"text":"And, essentially, in order to be in that index, you have to meet a certain criteria.","start":1545.2251,"end":1550.045,"sentiment":"neutral","sentiment_score":0.02202802267856896},{"text":"So companies that don't meet the criteria, whenever the investment committee for the indices meets, which at the moment is every quarter, companies are removed out of the index and therefore moved out of the S and P 500 investment as well.","start":1550.665,"end":1564.1101,"sentiment":"neutral","sentiment_score":-0.2672821432352066},{"text":"So it's good to know that companies that aren't performing that don't meet those criterias don't stay in those investments, and they're replaced with companies that do.","start":1564.1101,"end":1572.0349,"sentiment":"neutral","sentiment_score":-0.1733807623386383}],"sentiment":"neutral","sentiment_score":-0.08256841547166308,"channel":0,"num_words":120,"start":1535.24,"end":1572.0349},{"sentences":[{"text":"So you are always tracking the top 500 companies on the a with the S and P 500.","start":1572.0349,"end":1577.255,"sentiment":"neutral","sentiment_score":0.09624054489864244},{"text":"And with the a 200, you're always tracking the top 200 companies on the ASX as well.","start":1577.635,"end":1583.075,"sentiment":"neutral","sentiment_score":0.09782507577363182},{"text":"Does that make sense?","start":1583.075,"end":1584.215,"sentiment":"neutral","sentiment_score":0.07444289419800043}],"sentiment":"neutral","sentiment_score":0.0946955813620335,"channel":0,"num_words":39,"start":1572.0349,"end":1584.215},{"sentences":[{"text":"Yep.","start":1584.205,"end":1584.5249,"sentiment":"neutral","sentiment_score":0.09004723280668259},{"text":"Yep.","start":1584.5249,"end":1584.9249,"sentiment":"neutral","sentiment_score":0.10649897903203964},{"text":"Sure.","start":1584.9249,"end":1585.4249,"sentiment":"neutral","sentiment_score":0.2549072802066803}],"sentiment":"neutral","sentiment_score":0.1504844973484675,"channel":1,"num_words":3,"start":1584.205,"end":1585.4249},{"sentences":[{"text":"Yeah.","start":1585.57,"end":1586.07,"sentiment":"positive","sentiment_score":0.43253710865974426},{"text":"Beautiful.","start":1586.13,"end":1586.63,"sentiment":"positive","sentiment_score":0.6650376319885254},{"text":"And then the last one at the bottom there is the beta shares high interest cash account.","start":1588.21,"end":1593.25,"sentiment":"neutral","sentiment_score":0.14714699282365687},{"text":"So this is looking at fixed interest cash accounts, trying to get the best returns on the market for you.","start":1593.25,"end":1598.355,"sentiment":"neutral","sentiment_score":0.20024899654090406},{"text":"Essentially, again, it's important to have this as more of a defensive lower risk investment.","start":1598.915,"end":1603.015,"sentiment":"neutral","sentiment_score":0.18077361186345417}],"sentiment":"neutral","sentiment_score":0.19103069865593203,"channel":0,"num_words":54,"start":1585.57,"end":1603.015},{"sentences":[{"text":"High interest cash accounts, bonds, and fixed interest, they are lower risk.","start":1604.4349,"end":1609.075,"sentiment":"neutral","sentiment_score":0.2007564182082812},{"text":"They do tend to get a lower rate of return, but when we are taking less risk in the market, it's, again, it's about longevity and income producing.","start":1609.075,"end":1616.55,"sentiment":"neutral","sentiment_score":0.28895093340958866},{"text":"One of the big important factors of this stage of your life there is that you're going into those retirement years, so we are drawing income out of your pension account.","start":1617.0901,"end":1625.5701,"sentiment":"positive","sentiment_score":0.33591936769024017},{"text":"And because there's no tax consequences in this phase of life for you with regard to your pension account, we can then be making more in the way of income because there's no income tax to be made.","start":1625.5701,"end":1637.1051,"sentiment":"neutral","sentiment_score":0.31512986947047084},{"text":"And the income that's generated by the portfolio helps to draw down your regular pension payments for you so that you're hopefully taking less out of your capital.","start":1637.1051,"end":1646.0499,"sentiment":"neutral","sentiment_score":0.2982623390853405}],"sentiment":"neutral","sentiment_score":0.301018132019217,"channel":0,"num_words":137,"start":1604.4349,"end":1646.0499},{"sentences":[{"text":"Does that make sense?","start":1646.19,"end":1647.25,"sentiment":"neutral","sentiment_score":0.09837242588400841}],"sentiment":"neutral","sentiment_score":0.09837242588400841,"channel":0,"num_words":4,"start":1646.19,"end":1647.25},{"sentences":[{"text":"Yeah.","start":1647.255,"end":1647.655,"sentiment":"neutral","sentiment_score":0.10261955857276917},{"text":"Yeah.","start":1647.655,"end":1647.99,"sentiment":"neutral","sentiment_score":0.15567249059677124},{"text":"Thank you.","start":1648.15,"end":1648.89,"sentiment":"neutral","sentiment_score":0.2908959239721298}],"sentiment":"neutral","sentiment_score":0.21002097427845,"channel":1,"num_words":4,"start":1647.255,"end":1648.89},{"sentences":[{"text":"Yeah.","start":1648.6699,"end":1649.15,"sentiment":"neutral","sentiment_score":0.11579284071922302},{"text":"Do you have any questions so far either of you?","start":1649.15,"end":1651.8099,"sentiment":"neutral","sentiment_score":0.05146959852427244}],"sentiment":"neutral","sentiment_score":0.05731716599654068,"channel":0,"num_words":11,"start":1648.6699,"end":1651.8099},{"sentences":[{"text":"No.","start":1652.23,"end":1652.73,"sentiment":"neutral","sentiment_score":-0.06064359098672867},{"text":"No.","start":1653.11,"end":1653.61,"sentiment":"neutral","sentiment_score":-0.032569289207458496}],"sentiment":"neutral","sentiment_score":-0.04660644009709358,"channel":1,"num_words":2,"start":1652.23,"end":1653.61},{"sentences":[{"text":"All good.","start":1656.6849,"end":1657.425,"sentiment":"neutral","sentiment_score":0.07446078211069107},{"text":"All good.","start":1657.565,"end":1658.3049,"sentiment":"neutral","sentiment_score":0.11503636464476585},{"text":"The next page just outlines the amount of cash that we do need to hold.","start":1659.325,"end":1662.365,"sentiment":"neutral","sentiment_score":0.05273607149720192},{"text":"So within hub twenty four, we do have to hold a minimum of 1.25% cash.","start":1662.365,"end":1667.49,"sentiment":"neutral","sentiment_score":0.053414146850506466},{"text":"This shows that at the moment, your cash holding is a little bit higher than that, so we will just invest a bit over a thousand dollars there to make sure your cash holding remains at 1.25%,","start":1667.73,"end":1677.35,"sentiment":"neutral","sentiment_score":0.0719413292166349}],"sentiment":"neutral","sentiment_score":0.06525460210904269,"channel":0,"num_words":71,"start":1656.6849,"end":1677.35},{"sentences":[{"text":"Mhmm.","start":1678.24,"end":1678.74,"sentiment":"neutral","sentiment_score":0.016969364136457443}],"sentiment":"neutral","sentiment_score":0.016969364136457443,"channel":1,"num_words":1,"start":1678.24,"end":1678.74},{"sentences":[{"text":"keeping as much money as we can invested into those investments working harder","start":1678.53,"end":1682.505,"sentiment":"neutral","sentiment_score":0.03874480695678638}],"sentiment":"neutral","sentiment_score":0.03874480695678638,"channel":0,"num_words":13,"start":1678.53,"end":1682.505},{"sentences":[{"text":"Yeah.","start":1684.24,"end":1684.74,"sentiment":"neutral","sentiment_score":0.04999980702996254}],"sentiment":"neutral","sentiment_score":0.04999980702996254,"channel":1,"num_words":1,"start":1684.24,"end":1684.74},{"sentences":[{"text":"for you.","start":1684.985,"end":1685.4116,"sentiment":"neutral","sentiment_score":0.04318501427769661},{"text":"Okay?","start":1685.4116,"end":1685.625,"sentiment":"neutral","sentiment_score":0.05437127873301506},{"text":"Perfect.","start":1685.625,"end":1686.125,"sentiment":"neutral","sentiment_score":0.13152581453323364},{"text":"So sorry.","start":1689.225,"end":1689.705,"sentiment":"neutral","sentiment_score":-0.11379438079893589},{"text":"My throat's a little bit sore today, so I'm just having a quick drink.","start":1689.705,"end":1692.025,"sentiment":"neutral","sentiment_score":-0.25234874550785336}],"sentiment":"neutral","sentiment_score":-0.17441020384430886,"channel":0,"num_words":20,"start":1684.985,"end":1692.025},{"sentences":[{"text":"I apologize.","start":1692.025,"end":1692.685,"sentiment":"neutral","sentiment_score":-0.13389607518911362}],"sentiment":"neutral","sentiment_score":-0.13389607518911362,"channel":0,"num_words":2,"start":1692.025,"end":1692.685},{"sentences":[{"text":"Yeah.","start":1692.7949,"end":1693.275,"sentiment":"neutral","sentiment_score":-0.050996799021959305},{"text":"No.","start":1693.275,"end":1693.515,"sentiment":"neutral","sentiment_score":-0.11138840764760972},{"text":"No.","start":1693.515,"end":1693.755,"sentiment":"neutral","sentiment_score":-0.11093056201934814},{"text":"I hear you good.","start":1693.755,"end":1694.655,"sentiment":"neutral","sentiment_score":-0.04433555994182825}],"sentiment":"neutral","sentiment_score":-0.06437971549374717,"channel":1,"num_words":7,"start":1692.7949,"end":1694.655},{"sentences":[{"text":"All good.","start":1695.625,"end":1696.365,"sentiment":"neutral","sentiment_score":0.11476795375347137},{"text":"You're right.","start":1697.62,"end":1698.02,"sentiment":"neutral","sentiment_score":0.054466020315885544},{"text":"Neil, did you wanna ask a question?","start":1698.02,"end":1699.62,"sentiment":"neutral","sentiment_score":-0.0008561659072126659},{"text":"Or","start":1699.62,"end":1700.12,"sentiment":"neutral","sentiment_score":-0.03977213799953461}],"sentiment":"neutral","sentiment_score":0.02439188739905755,"channel":0,"num_words":12,"start":1695.625,"end":1700.12},{"sentences":[{"text":"No.","start":1700.235,"end":1700.475,"sentiment":"neutral","sentiment_score":-0.11328955739736556},{"text":"No.","start":1700.475,"end":1700.7949,"sentiment":"neutral","sentiment_score":-0.10239692032337187},{"text":"All good.","start":1700.7949,"end":1701.5349,"sentiment":"neutral","sentiment_score":-0.013883240520954132}],"sentiment":"neutral","sentiment_score":-0.06086323969066142,"channel":1,"num_words":4,"start":1700.235,"end":1701.5349},{"sentences":[{"text":"No.","start":1701.2999,"end":1701.7999,"sentiment":"neutral","sentiment_score":-0.02783016487956047},{"text":"All good.","start":1701.94,"end":1702.5,"sentiment":"neutral","sentiment_score":0.09099726751446724},{"text":"Perfect.","start":1702.5,"end":1703.0,"sentiment":"neutral","sentiment_score":0.06348216533660889},{"text":"So, essentially, where we are at the moment with the recommendations of stage one, two, and three, they will start by moving you into the pension phase, Then we'll draw down that 87,000 so you can pay off the mortgage, and then we're gonna do an investment switch there for you as well, which is also lowering your risk level and changing your investments so that things are working harder for you.","start":1703.0599,"end":1721.615,"sentiment":"neutral","sentiment_score":0.20056472040919793},{"text":"Okay?","start":1721.615,"end":1722.115,"sentiment":"neutral","sentiment_score":0.08426864445209503}],"sentiment":"neutral","sentiment_score":0.1914620136285757,"channel":0,"num_words":77,"start":1701.2999,"end":1722.115},{"sentences":[{"text":"Yep.","start":1722.8151,"end":1722.895,"sentiment":"neutral","sentiment_score":0.10332614183425903},{"text":"Yeah.","start":1722.895,"end":1723.395,"sentiment":"neutral","sentiment_score":0.0843733623623848}],"sentiment":"neutral","sentiment_score":0.09384975209832191,"channel":1,"num_words":2,"start":1722.8151,"end":1723.395},{"sentences":[{"text":"On page number 35, you've got your fourth stage of the plan, and this is essentially where the draw downs and the age pension side of things comes into account.","start":1724.33,"end":1733.2899,"sentiment":"neutral","sentiment_score":0.0681538230429093},{"text":"So you've sent your application off for the age pension, essentially.","start":1733.2899,"end":1737.1499,"sentiment":"neutral","sentiment_score":0.06908489323475143},{"text":"We're just now waiting for that to be, essentially accepted and for that to go into play and for them to assess that.","start":1737.605,"end":1744.985,"sentiment":"neutral","sentiment_score":0.06031454192555469},{"text":"It can take up to thirteen weeks if everything is in line.","start":1745.285,"end":1748.5651,"sentiment":"neutral","sentiment_score":-0.02851153335844477},{"text":"If they don't require anything additional, I have seen it take a little bit longer essentially as well.","start":1748.5651,"end":1753.5499,"sentiment":"neutral","sentiment_score":-0.19487660129865012}],"sentiment":"neutral","sentiment_score":0.0036368697604283375,"channel":0,"num_words":94,"start":1724.33,"end":1753.5499},{"sentences":[{"text":"So what I'm recommending with this stage is once we've done we've moved you into pension.","start":1753.5499,"end":1758.11,"sentiment":"neutral","sentiment_score":0.15738841658458114},{"text":"We've drawn down the 87,000 for you.","start":1758.11,"end":1760.51,"sentiment":"neutral","sentiment_score":0.19487297322068894},{"text":"We've done we're doing the investments which as well, but we're also gonna set up a regular pension payment for you.","start":1760.51,"end":1766.265,"sentiment":"neutral","sentiment_score":0.20285786404496148},{"text":"Now you guys filled out the budget plan, and thank you so much for doing that.","start":1766.745,"end":1770.765,"sentiment":"positive","sentiment_score":0.6582785472273827},{"text":"I went back and entered all the information through and had a really good look.","start":1770.985,"end":1774.4451,"sentiment":"positive","sentiment_score":0.5535301407178242}],"sentiment":"positive","sentiment_score":0.359703326523304,"channel":0,"num_words":75,"start":1753.5499,"end":1774.4451},{"sentences":[{"text":"And in order for you to survive, you need to live on about $868 per week to cover all of your expenditure.","start":1774.745,"end":1781.5651,"sentiment":"neutral","sentiment_score":0.06209034438837658},{"text":"And that's not including, Camilla, your income.","start":1783.1699,"end":1785.57,"sentiment":"neutral","sentiment_score":-0.044441938932452886},{"text":"So I've separated your your income away from this.","start":1785.57,"end":1788.37,"sentiment":"neutral","sentiment_score":-0.0755558307800028},{"text":"So your income provides just a buffer additional funds","start":1788.37,"end":1791.9099,"sentiment":"neutral","sentiment_score":0.07924385865529378}],"sentiment":"neutral","sentiment_score":0.02315077138073901,"channel":0,"num_words":47,"start":1774.745,"end":1791.9099},{"sentences":[{"text":"Yep.","start":1792.3999,"end":1792.8999,"sentiment":"neutral","sentiment_score":0.15757521986961365}],"sentiment":"neutral","sentiment_score":0.15757521986961365,"channel":1,"num_words":1,"start":1792.3999,"end":1792.8999},{"sentences":[{"text":"and a little bit extra for you guys as well as we discussed.","start":1792.45,"end":1795.35,"sentiment":"neutral","sentiment_score":0.17920930339739874},{"text":"Okay?","start":1795.4099,"end":1795.9099,"sentiment":"neutral","sentiment_score":0.0657595619559288},{"text":"So once we open the pension account, we'll set your pension up.","start":1797.145,"end":1799.945,"sentiment":"neutral","sentiment_score":0.10089512169361115},{"text":"And look, this won't happen in this order.","start":1799.945,"end":1801.785,"sentiment":"neutral","sentiment_score":0.028443928342312574},{"text":"We'll essentially open the pension account up.","start":1801.785,"end":1803.625,"sentiment":"neutral","sentiment_score":0.1679490783384868}],"sentiment":"neutral","sentiment_score":0.12218090101349645,"channel":0,"num_words":41,"start":1792.45,"end":1803.625},{"sentences":[{"text":"We'll tell them how much","start":1803.625,"end":1804.585,"sentiment":"neutral","sentiment_score":0.2688171297311783}],"sentiment":"neutral","sentiment_score":0.2688171297311783,"channel":0,"num_words":5,"start":1803.625,"end":1804.585},{"sentences":[{"text":"Good.","start":1804.4651,"end":1804.9651,"sentiment":"positive","sentiment_score":0.39902251958847046}],"sentiment":"positive","sentiment_score":0.39902251958847046,"channel":1,"num_words":1,"start":1804.4651,"end":1804.9651},{"sentences":[{"text":"to start drawing down, and these pension payments will start very quickly for you as well.","start":1804.585,"end":1808.905,"sentiment":"positive","sentiment_score":0.527111480012536},{"text":"We won't make you wait till after the draw downs or anything like that.","start":1808.905,"end":1812.12,"sentiment":"neutral","sentiment_score":0.17117067958627427},{"text":"It's just the way we've set it out in the plan to make it a bit clearer for you.","start":1812.2,"end":1816.12,"sentiment":"positive","sentiment_score":0.35154279203791367},{"text":"Okay?","start":1816.12,"end":1816.62,"sentiment":"neutral","sentiment_score":0.12420173734426498}],"sentiment":"positive","sentiment_score":0.35267375960946085,"channel":0,"num_words":50,"start":1804.585,"end":1816.62},{"sentences":[{"text":"Yeah.","start":1816.385,"end":1816.885,"sentiment":"neutral","sentiment_score":0.327262282371521},{"text":"Yeah.","start":1817.025,"end":1817.52,"sentiment":"positive","sentiment_score":0.5247411727905273}],"sentiment":"positive","sentiment_score":0.42600172758102417,"channel":1,"num_words":2,"start":1816.385,"end":1817.52},{"sentences":[{"text":"All good.","start":1818.92,"end":1819.66,"sentiment":"positive","sentiment_score":0.7017122805118561},{"text":"So, essentially, to start with, we're gonna draw down the full $868 on a weekly basis or essentially per fortnight if you prefer.","start":1820.12,"end":1827.6549,"sentiment":"neutral","sentiment_score":0.09813844282989917},{"text":"Fortnightly, it's $17.36 and 1¢ there.","start":1827.6549,"end":1831.355,"sentiment":"neutral","sentiment_score":0.08775020688772202},{"text":"Essentially, that will give you the regular drawdown out of your pension account to cover all of your expenditure, and then it leaves your additional income there, Camilla, for additional expenditures, holidays, savings, whatever it is that you guys might wanna spend that money on for you.","start":1832.0549,"end":1846.8099,"sentiment":"neutral","sentiment_score":0.20332980441286208},{"text":"And Neil's pension payments paid down regularly will cover your base expenditure.","start":1846.87,"end":1850.89,"sentiment":"neutral","sentiment_score":0.25282803426186246}],"sentiment":"neutral","sentiment_score":0.1875258089786165,"channel":0,"num_words":90,"start":1818.92,"end":1850.89},{"sentences":[{"text":"Okay?","start":1851.35,"end":1851.85,"sentiment":"neutral","sentiment_score":0.15645083785057068}],"sentiment":"neutral","sentiment_score":0.15645083785057068,"channel":0,"num_words":1,"start":1851.35,"end":1851.85},{"sentences":[{"text":"Yes.","start":1851.63,"end":1852.13,"sentiment":"neutral","sentiment_score":0.27531540393829346},{"text":"Yep.","start":1852.35,"end":1852.85,"sentiment":"positive","sentiment_score":0.35830995440483093}],"sentiment":"neutral","sentiment_score":0.3168126791715622,"channel":1,"num_words":2,"start":1851.63,"end":1852.85},{"sentences":[{"text":"We'll start these draw downs as soon as absolutely possible.","start":1853.235,"end":1856.515,"sentiment":"positive","sentiment_score":0.3369258254766464},{"text":"We'll get your bank details and start them straight away for you.","start":1856.515,"end":1859.5751,"sentiment":"neutral","sentiment_score":0.29744718720515567},{"text":"And then once your Centrelink has been assessed, we'll start to just pull them back a little bit.","start":1859.715,"end":1865.46,"sentiment":"neutral","sentiment_score":0.13295121449563238},{"text":"So I went back and I looked at how you had filled out the application form, and I had a look at the assessment.","start":1865.46,"end":1871.94,"sentiment":"neutral","sentiment_score":0.09038124000653625},{"text":"I did the math equation on both the income and the assets test for you.","start":1871.94,"end":1876.0399,"sentiment":"neutral","sentiment_score":0.0874624083439509}],"sentiment":"neutral","sentiment_score":0.16218774996792215,"channel":0,"num_words":79,"start":1853.235,"end":1876.0399},{"sentences":[{"text":"What I've essentially worked out is that you're actually probably gonna be assessed under the assets test that showed to provide a lower payment.","start":1876.34,"end":1884.735,"sentiment":"neutral","sentiment_score":-0.00104082686205705},{"text":"So, essentially, they're gonna pick the one that gives you the lower the lower payment, which from my which from my calculations is the assets test.","start":1885.115,"end":1895.19,"sentiment":"neutral","sentiment_score":0.02052901337782924},{"text":"To","start":1895.35,"end":1895.59,"sentiment":"neutral","sentiment_score":0.050361085683107376}],"sentiment":"neutral","sentiment_score":0.010963442917986243,"channel":0,"num_words":51,"start":1876.34,"end":1895.59},{"sentences":[{"text":"Yeah.","start":1895.4149,"end":1895.9149,"sentiment":"neutral","sentiment_score":0.05748913437128067}],"sentiment":"neutral","sentiment_score":0.05748913437128067,"channel":1,"num_words":1,"start":1895.4149,"end":1895.9149},{"sentences":[{"text":"kinda give you an idea on how we work this out and how the math equation works, and in the appendix which you'll have attached there, you can actually open that up and see.","start":1895.59,"end":1904.09,"sentiment":"neutral","sentiment_score":0.11076384037733078},{"text":"I've set it out bit by bit for you.","start":1904.5499,"end":1907.4299,"sentiment":"neutral","sentiment_score":0.12068973978360494},{"text":"But how the income test and the asset test is essentially assessed, Income test first for you is that they take your your fortnightly income, Camilla.","start":1907.4299,"end":1916.1749,"sentiment":"neutral","sentiment_score":0.032762542725182496},{"text":"That is set to one five for the moment.","start":1916.235,"end":1918.255,"sentiment":"neutral","sentiment_score":0.04796576789683766},{"text":"They then look at your financial assets.","start":1918.475,"end":1921.0349,"sentiment":"neutral","sentiment_score":0.021981503814458847}],"sentiment":"neutral","sentiment_score":0.07399490328834338,"channel":0,"num_words":85,"start":1895.59,"end":1921.0349},{"sentences":[{"text":"The financial assets for yourselves are the shares that you do hold with AMP, the funds in your bank account there, and also your super.","start":1921.0349,"end":1927.9801,"sentiment":"neutral","sentiment_score":0.04053699344396591},{"text":"I've assessed your super balance after the 87,000 drawdown for you as well.","start":1928.52,"end":1932.92,"sentiment":"neutral","sentiment_score":0.017865764836852368},{"text":"So it's actually gonna be a less of a super balance than what you've declared them currently.","start":1932.92,"end":1938.14,"sentiment":"neutral","sentiment_score":-0.10582720751271528},{"text":"But they essentially look at this and these assets are deemed.","start":1939.655,"end":1943.995,"sentiment":"neutral","sentiment_score":-0.003810078667646105},{"text":"So they're not gonna look and assess at the $800 that you're drawing down out of the pension account on a weekly basis.","start":1944.455,"end":1950.63,"sentiment":"neutral","sentiment_score":-0.06745529304380002}],"sentiment":"neutral","sentiment_score":-0.024120959034712796,"channel":0,"num_words":89,"start":1921.0349,"end":1950.63},{"sentences":[{"text":"They're deeming a certain rate of return that your investments can receive.","start":1950.95,"end":1954.97,"sentiment":"neutral","sentiment_score":0.08020588383078575},{"text":"Because you're a couple, they deem the first 106,200 of your financial assets at a rate of 1.25%, and then everything over that is deemed at 3.25.","start":1955.43,"end":1968.0249,"sentiment":"neutral","sentiment_score":0.06549011281243076},{"text":"So I took your initial your balance after we take your current balance now, subtract out the 87,000.","start":1968.4049,"end":1974.745,"sentiment":"neutral","sentiment_score":0.022179095902376704},{"text":"We end up with a balance owing of about 690,005 oh, sorry.","start":1975.205,"end":1979.88,"sentiment":"neutral","sentiment_score":-0.01242935451834152},{"text":"No.","start":1979.88,"end":1980.36,"sentiment":"neutral","sentiment_score":-0.14177148044109344}],"sentiment":"neutral","sentiment_score":0.04055719490695212,"channel":0,"num_words":70,"start":1950.95,"end":1980.36},{"sentences":[{"text":"$6.06 my apologies.","start":1980.36,"end":1983.7999,"sentiment":"neutral","sentiment_score":-0.1949151506026586},{"text":"I'm looking at the wrong page.","start":1983.7999,"end":1985.1799,"sentiment":"neutral","sentiment_score":-0.1590041865905126},{"text":"We have a balance of $6.06 $67.09 $9.07 after we take out the 87,000.","start":1985.96,"end":1994.615,"sentiment":"neutral","sentiment_score":0.0027449656959756146},{"text":"So it's taking your current super balance, subtracting 87,000, and then adding that balance to your other financial assets, so your shares, your bank accounts.","start":1994.615,"end":2004.555,"sentiment":"neutral","sentiment_score":0.04277610883116722},{"text":"We ended up with 690,598 and 60¢.","start":2005.2,"end":2009.78,"sentiment":"neutral","sentiment_score":0.06503845068315665}],"sentiment":"neutral","sentiment_score":-0.0007538449394309686,"channel":0,"num_words":55,"start":1980.36,"end":2009.78},{"sentences":[{"text":"We then subtract off the deeming amount there, the 106,200.","start":2009.84,"end":2015.86,"sentiment":"neutral","sentiment_score":0.05977191440761089},{"text":"We apply the 1.25%, and then anything over that, which worked out to be a 584,398 is being the 3.25%.","start":2016.08,"end":2025.855,"sentiment":"neutral","sentiment_score":0.09467282854020595},{"text":"And that tells us how much income that Centrelink will assess you under the income test.","start":2025.995,"end":2031.615,"sentiment":"neutral","sentiment_score":0.12120075384154916},{"text":"We add that to, Camilla, your fortnightly income,","start":2031.8351,"end":2035.055,"sentiment":"neutral","sentiment_score":0.07286697765812278}],"sentiment":"neutral","sentiment_score":0.0928393258816666,"channel":0,"num_words":54,"start":2009.84,"end":2035.055},{"sentences":[{"text":"Yeah.","start":2035.665,"end":2036.165,"sentiment":"neutral","sentiment_score":0.13145285844802856}],"sentiment":"neutral","sentiment_score":0.13145285844802856,"channel":1,"num_words":1,"start":2035.665,"end":2036.165},{"sentences":[{"text":"convert it all to a fortnightly amount, and then","start":2035.78,"end":2038.76,"sentiment":"neutral","sentiment_score":0.10276126033729976}],"sentiment":"neutral","sentiment_score":0.10276126033729976,"channel":0,"num_words":9,"start":2035.78,"end":2038.76},{"sentences":[{"text":"Yep.","start":2038.305,"end":2038.805,"sentiment":"neutral","sentiment_score":0.11300307512283324}],"sentiment":"neutral","sentiment_score":0.11300307512283324,"channel":1,"num_words":1,"start":2038.305,"end":2038.805},{"sentences":[{"text":"subtract that from the the maximum you're able to earn, which is $380 on a fortnightly basis.","start":2038.82,"end":2045.0,"sentiment":"neutral","sentiment_score":0.08007166271700579},{"text":"And then we take the amount the amount over the $3.80.","start":2045.3,"end":2050.385,"sentiment":"neutral","sentiment_score":0.07706899297508327},{"text":"We take that away from the full pension payment of $905.20 per fortnight, and that essentially gives us the total amount that you're able to receive for the income test, which essentially is about a $187.93 per fortnight.","start":2050.685,"end":2067.0498,"sentiment":"neutral","sentiment_score":0.1263169599206824},{"text":"So it gives you a part pension, and it's estimated that you'll be able to receive a $187.93 per fortnight from the age pension, which gives you access to the pension card and all the additional benefits with that.","start":2067.0498,"end":2080.985,"sentiment":"neutral","sentiment_score":0.1887049634869282},{"text":"Okay?","start":2080.985,"end":2081.485,"sentiment":"neutral","sentiment_score":0.06933639943599701}],"sentiment":"neutral","sentiment_score":0.13620614755969002,"channel":0,"num_words":106,"start":2038.82,"end":2081.485},{"sentences":[{"text":"Yep.","start":2082.24,"end":2082.74,"sentiment":"neutral","sentiment_score":0.015191515907645226}],"sentiment":"neutral","sentiment_score":0.015191515907645226,"channel":1,"num_words":1,"start":2082.24,"end":2082.74},{"sentences":[{"text":"Yeah.","start":2083.3052,"end":2083.705,"sentiment":"neutral","sentiment_score":-0.18409383296966553},{"text":"It's a lot.","start":2083.705,"end":2084.425,"sentiment":"negative","sentiment_score":-0.34049588441848755},{"text":"I'm sorry.","start":2084.425,"end":2085.165,"sentiment":"neutral","sentiment_score":-0.3156553655862808}],"sentiment":"neutral","sentiment_score":-0.306148702899615,"channel":0,"num_words":6,"start":2083.3052,"end":2085.165},{"sentences":[{"text":"No.","start":2085.465,"end":2085.965,"sentiment":"neutral","sentiment_score":-0.21095767617225647},{"text":"It's okay.","start":2086.2651,"end":2086.8252,"sentiment":"neutral","sentiment_score":-0.08290954120457172},{"text":"I'll be doing I guess tonight.","start":2086.8252,"end":2089.0652,"sentiment":"neutral","sentiment_score":0.06425168613592784},{"text":"But yeah.","start":2089.0652,"end":2089.885,"sentiment":"neutral","sentiment_score":0.054275451228022575}],"sentiment":"neutral","sentiment_score":0.010662205517292023,"channel":1,"num_words":11,"start":2085.465,"end":2089.885},{"sentences":[{"text":"It is a lot.","start":2090.92,"end":2091.72,"sentiment":"neutral","sentiment_score":0.07905633933842182},{"text":"It is a lot.","start":2091.72,"end":2092.3599,"sentiment":"neutral","sentiment_score":0.04957917332649231},{"text":"We've stepped it out bit by bit for you 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essentially, they look at the total asset value, your super balance, the bank account balances, your shares.","start":2095.16,"end":2102.675,"sentiment":"neutral","sentiment_score":0.05259868719925483},{"text":"They also take into account the two vehicles and your contents there as well.","start":2103.0552,"end":2107.235,"sentiment":"neutral","sentiment_score":0.044496653601527214}],"sentiment":"neutral","sentiment_score":0.049613727452723605,"channel":0,"num_words":38,"start":2095.16,"end":2107.235},{"sentences":[{"text":"Yeah.","start":2107.22,"end":2107.72,"sentiment":"neutral","sentiment_score":0.022505003958940503}],"sentiment":"neutral","sentiment_score":0.022505003958940503,"channel":1,"num_words":1,"start":2107.22,"end":2107.72},{"sentences":[{"text":"Your income is not assessed under the assets test.","start":2107.7751,"end":2110.2551,"sentiment":"neutral","sentiment_score":-0.0022410742110676235},{"text":"They essentially add all of that together, and then","start":2110.2551,"end":2112.975,"sentiment":"neutral","sentiment_score":0.008912052648762861}],"sentiment":"neutral","sentiment_score":0.0033354892188476194,"channel":0,"num_words":18,"start":2107.7751,"end":2112.975},{"sentences":[{"text":"Yes.","start":2112.865,"end":2113.365,"sentiment":"neutral","sentiment_score":0.008593224920332432}],"sentiment":"neutral","sentiment_score":0.008593224920332432,"channel":1,"num_words":1,"start":2112.865,"end":2113.365},{"sentences":[{"text":"they subtract that away from the minimum threshold, which is currently 481,500.","start":2112.975,"end":2119.5198,"sentiment":"neutral","sentiment_score":-0.016746995970606804},{"text":"That gives them a total of how much is over the minimum threshold.","start":2120.7798,"end":2124.7998,"sentiment":"neutral","sentiment_score":0.008283369816266574},{"text":"Under the assets test, essentially, for every 1,000 over the minimum threshold, we lose about $78 per year, which is $3 per week.","start":2125.5,"end":2134.365,"sentiment":"neutral","sentiment_score":-0.003939720599547676},{"text":"So we take that amount.","start":2134.365,"end":2135.4849,"sentiment":"neutral","sentiment_score":0.04550605714321136},{"text":"We divide that by a thousand, then we multiply that by three, and that gives us how much you lose.","start":2135.4849,"end":2140.2249,"sentiment":"neutral","sentiment_score":0.05434856386855245}],"sentiment":"neutral","sentiment_score":0.015487778702214973,"channel":0,"num_words":73,"start":2112.975,"end":2140.2249},{"sentences":[{"text":"We subtract that from the total full pension amount, and that leaves you with how much you would be estimated to receive.","start":2140.365,"end":2145.9849,"sentiment":"neutral","sentiment_score":0.053549447266215626},{"text":"Under the assets test, you were oh, sorry.","start":2146.99,"end":2149.3901,"sentiment":"neutral","sentiment_score":-0.019852306693792343},{"text":"Under the sorry.","start":2149.3901,"end":2156.35,"sentiment":"neutral","sentiment_score":-0.10884380092223485},{"text":"My computer just froze on me.","start":2156.35,"end":2158.125,"sentiment":"negative","sentiment_score":-0.43959395090738934}],"sentiment":"neutral","sentiment_score":-0.04986732620268296,"channel":0,"num_words":39,"start":2140.365,"end":2158.125},{"sentences":[{"text":"Oh, no.","start":2158.32,"end":2158.98,"sentiment":"neutral","sentiment_score":-0.0846603699028492}],"sentiment":"neutral","sentiment_score":-0.0846603699028492,"channel":1,"num_words":2,"start":2158.32,"end":2158.98},{"sentences":[{"text":"Under the assets test, you were able to receive about a hunt $187.93.","start":2159.885,"end":2165.405,"sentiment":"neutral","sentiment_score":0.019744653398027785},{"text":"Under the income test, you were actually eligible for about 329.","start":2165.405,"end":2169.805,"sentiment":"neutral","sentiment_score":0.08796432546593926},{"text":"So because the assets test provides you with a lower rate of pension payment, that's the one they're probably gonna go with.","start":2169.805,"end":2176.68,"sentiment":"neutral","sentiment_score":0.10954218967394395},{"text":"Okay?","start":2176.74,"end":2177.24,"sentiment":"neutral","sentiment_score":0.104042187333107},{"text":"Beautiful.","start":2179.38,"end":2179.88,"sentiment":"positive","sentiment_score":0.5234099626541138}],"sentiment":"neutral","sentiment_score":0.08878475827320169,"channel":0,"num_words":48,"start":2159.885,"end":2179.88},{"sentences":[{"text":"All good.","start":2180.42,"end":2181.16,"sentiment":"positive","sentiment_score":0.4924672544002533},{"text":"It's a lot.","start":2181.6199,"end":2182.42,"sentiment":"neutral","sentiment_score":0.17791524529457092},{"text":"I know that, and I'm so 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you a bit of context on how we get to the figures that we do, but","start":2193.915,"end":2198.715,"sentiment":"neutral","sentiment_score":-0.0004365847192027352}],"sentiment":"neutral","sentiment_score":0.0037695061415433883,"channel":0,"num_words":25,"start":2192.875,"end":2198.715},{"sentences":[{"text":"Yeah.","start":2198.5652,"end":2199.0652,"sentiment":"neutral","sentiment_score":-0.05803683027625084}],"sentiment":"neutral","sentiment_score":-0.05803683027625084,"channel":1,"num_words":1,"start":2198.5652,"end":2199.0652},{"sentences":[{"text":"it is a lot to go through.","start":2198.715,"end":2200.155,"sentiment":"neutral","sentiment_score":-0.15055172677550996},{"text":"It is not easy.","start":2200.155,"end":2201.2952,"sentiment":"neutral","sentiment_score":-0.26184137910604477},{"text":"And, look, I always kind of make sure I let you know that I do this manually.","start":2201.96,"end":2205.9,"sentiment":"neutral","sentiment_score":-0.04691525132340543},{"text":"Centrelink","start":2206.5198,"end":2207.0,"sentiment":"neutral","sentiment_score":0.0037053371779620647}],"sentiment":"neutral","sentiment_score":-0.09983039790250618,"channel":0,"num_words":29,"start":2198.715,"end":2207.0},{"sentences":[{"text":"Yes.","start":2206.6301,"end":2207.1301,"sentiment":"neutral","sentiment_score":-0.014388213865458964}],"sentiment":"neutral","sentiment_score":-0.014388213865458964,"channel":1,"num_words":1,"start":2206.6301,"end":2207.1301},{"sentences":[{"text":"don't do this manually.","start":2207.0,"end":2208.1199,"sentiment":"neutral","sentiment_score":-0.03702519694343209},{"text":"They input everything into a computer, and a computer tells them how to you know, what's gonna happen, which is kind of interesting because I did this in less than thirteen weeks.","start":2208.1199,"end":2217.105,"sentiment":"neutral","sentiment_score":-0.0414031672407873},{"text":"So you think a computer should be able to do their assessment less than thirteen weeks too.","start":2217.185,"end":2220.865,"sentiment":"neutral","sentiment_score":0.044902993256554884},{"text":"But","start":2220.865,"end":2221.365,"sentiment":"neutral","sentiment_score":0.049995698034763336}],"sentiment":"neutral","sentiment_score":-0.012215843631161584,"channel":0,"num_words":54,"start":2207.0,"end":2221.365},{"sentences":[{"text":"Yeah.","start":2220.875,"end":2221.375,"sentiment":"neutral","sentiment_score":0.04503269121050835}],"sentiment":"neutral","sentiment_score":0.04503269121050835,"channel":1,"num_words":1,"start":2220.875,"end":2221.375},{"sentences":[{"text":"but yeah.","start":2223.7449,"end":2224.225,"sentiment":"neutral","sentiment_score":0.0651669129729271},{"text":"So they assess you under both those 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tend to work that way.","start":2236.6702,"end":2243.6501,"sentiment":"neutral","sentiment_score":0.046644145193008274},{"text":"I did look at, obviously, looking at maybe sheltering a bit more money and putting some more money, say, into your account, Camilla, or putting some money into other areas.","start":2244.9248,"end":2254.1448,"sentiment":"neutral","sentiment_score":0.048603629941741625},{"text":"I discounted that solely because to start with, this assessment is still giving you a part pension.","start":2254.525,"end":2260.305,"sentiment":"neutral","sentiment_score":0.12446713491397746}],"sentiment":"neutral","sentiment_score":0.06791899377145828,"channel":0,"num_words":78,"start":2235.31,"end":2260.305},{"sentences":[{"text":"Yes.","start":2260.04,"end":2260.54,"sentiment":"neutral","sentiment_score":0.14450213313102722}],"sentiment":"neutral","sentiment_score":0.14450213313102722,"channel":1,"num_words":1,"start":2260.04,"end":2260.54},{"sentences":[{"text":"So long as the 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your income as a separate amount","start":2334.06,"end":2336.4,"sentiment":"neutral","sentiment_score":0.14266408327966928}],"sentiment":"neutral","sentiment_score":0.20752863194793464,"channel":0,"num_words":40,"start":2322.2651,"end":2336.4},{"sentences":[{"text":"Yes.","start":2336.525,"end":2337.025,"sentiment":"neutral","sentiment_score":0.09299486875534058}],"sentiment":"neutral","sentiment_score":0.09299486875534058,"channel":1,"num_words":1,"start":2336.525,"end":2337.025},{"sentences":[{"text":"for the buffer, but 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harder.","start":2348.815,"end":2360.74,"sentiment":"neutral","sentiment_score":0.19483926706016064}],"sentiment":"neutral","sentiment_score":0.19483926706016064,"channel":0,"num_words":36,"start":2348.815,"end":2360.74},{"sentences":[{"text":"Yes.","start":2361.4548,"end":2361.9548,"sentiment":"neutral","sentiment_score":0.03085494227707386}],"sentiment":"neutral","sentiment_score":0.03085494227707386,"channel":1,"num_words":1,"start":2361.4548,"end":2361.9548},{"sentences":[{"text":"And that also then means that if you take lump sums down the track, it provides more of a disadvantage.","start":2361.6,"end":2366.835,"sentiment":"neutral","sentiment_score":-0.14717819336801768},{"text":"We're taking more chunks out of the super, which reduces longevity of it.","start":2366.8948,"end":2371.2148,"sentiment":"neutral","sentiment_score":-0.18408670792212853},{"text":"So I wanted to just look at getting a part pension now,","start":2371.2148,"end":2375.315,"sentiment":"neutral","sentiment_score":0.11702544863025348}],"sentiment":"neutral","sentiment_score":-0.08738634859522183,"channel":0,"num_words":45,"start":2361.6,"end":2375.315},{"sentences":[{"text":"Yep.","start":2375.47,"end":2375.97,"sentiment":"neutral","sentiment_score":0.21442459523677823}],"sentiment":"neutral","sentiment_score":0.21442459523677823,"channel":1,"num_words":1,"start":2375.47,"end":2375.97},{"sentences":[{"text":"give you guys the access to the pension, but also making sure that that you have access to additional funds when you need them because things can come up, life can change, and Neil's sleep is where you'll be able to take that money from.","start":2375.535,"end":2388.24,"sentiment":"neutral","sentiment_score":0.23995422075192133},{"text":"So,","start":2388.24,"end":2388.74,"sentiment":"neutral","sentiment_score":0.12392562627792358}],"sentiment":"neutral","sentiment_score":0.2374318600024866,"channel":0,"num_words":46,"start":2375.535,"end":2388.74},{"sentences":[{"text":"Yep.","start":2388.775,"end":2389.255,"sentiment":"neutral","sentiment_score":0.09758083522319794},{"text":"Yep.","start":2389.255,"end":2389.495,"sentiment":"neutral","sentiment_score":0.08856736868619919},{"text":"Yep.","start":2389.495,"end":2389.815,"sentiment":"neutral","sentiment_score":0.08303611725568771},{"text":"No.","start":2389.815,"end":2390.135,"sentiment":"neutral","sentiment_score":0.10225361585617064},{"text":"That's good.","start":2390.135,"end":2391.255,"sentiment":"positive","sentiment_score":0.34762927889823914}],"sentiment":"neutral","sentiment_score":0.17778274913628897,"channel":1,"num_words":6,"start":2388.775,"end":2391.255},{"sentences":[{"text":"Thanks, Dana.","start":2391.255,"end":2392.155,"sentiment":"positive","sentiment_score":0.5045147836208344}],"sentiment":"positive","sentiment_score":0.5045147836208344,"channel":1,"num_words":2,"start":2391.255,"end":2392.155},{"sentences":[{"text":"yep, that's okay.","start":2392.085,"end":2393.305,"sentiment":"neutral","sentiment_score":0.2253497838973999},{"text":"So with this to start with, we'll be drawing out the $6.86 on a weekly basis there or the 7 $17.36 per fortnight.","start":2394.085,"end":2402.105,"sentiment":"neutral","sentiment_score":0.13810887932777405},{"text":"It's completely up to you how you want it weekly or fortnightly.","start":2402.48,"end":2405.6199,"sentiment":"neutral","sentiment_score":0.19317478934923807},{"text":"We can work it either way within the pension fund for you.","start":2405.8398,"end":2409.6199,"sentiment":"neutral","sentiment_score":0.1604601281384627}],"sentiment":"neutral","sentiment_score":0.16192345172166825,"channel":0,"num_words":50,"start":2392.085,"end":2409.6199},{"sentences":[{"text":"Yep.","start":2409.9001,"end":2410.4001,"sentiment":"neutral","sentiment_score":0.10727295279502869}],"sentiment":"neutral","sentiment_score":0.10727295279502869,"channel":1,"num_words":1,"start":2409.9001,"end":2410.4001},{"sentences":[{"text":"Once the Centrelink assessment comes through, essentially, we wanna just reduce that back a little bit.","start":2410.4,"end":2416.635,"sentiment":"neutral","sentiment_score":0.08000597008503973},{"text":"So by being under the assets test and getting the $1.87 93 per fortnight from Centrelink, we can then reduce your pension payments out of your pension account to $7.74 and 4¢.","start":2416.715,"end":2430.81,"sentiment":"neutral","sentiment_score":0.10069475851712688},{"text":"That still gives you the fortnightly income amount of the $17.36.","start":2431.21,"end":2436.35,"sentiment":"neutral","sentiment_score":0.14357303082942963},{"text":"It just means you draw a little bit less out of super, which provides a bit more longevity to your super there.","start":2436.57,"end":2442.35,"sentiment":"neutral","sentiment_score":0.12576567178422754},{"text":"Okay?","start":2442.4102,"end":2442.9102,"sentiment":"neutral","sentiment_score":0.05415897071361542}],"sentiment":"neutral","sentiment_score":0.1086659274627397,"channel":0,"num_words":82,"start":2410.4,"end":2442.9102},{"sentences":[{"text":"Yeah.","start":2442.675,"end":2443.175,"sentiment":"neutral","sentiment_score":0.07480955123901367},{"text":"Yeah.","start":2443.395,"end":2443.875,"sentiment":"neutral","sentiment_score":0.12422163784503935},{"text":"Yeah.","start":2443.875,"end":2444.375,"sentiment":"positive","sentiment_score":0.37175267934799194}],"sentiment":"neutral","sentiment_score":0.19026128947734833,"channel":1,"num_words":3,"start":2442.675,"end":2444.375},{"sentences":[{"text":"Beautiful.","start":2445.1948,"end":2445.6948,"sentiment":"positive","sentiment_score":0.4658772647380829},{"text":"This is a lot, and I understand that.","start":2446.4749,"end":2448.315,"sentiment":"neutral","sentiment_score":0.23455902840942144},{"text":"Do you guys have any questions for me at the moment?","start":2448.315,"end":2450.555,"sentiment":"neutral","sentiment_score":0.08124805749817328},{"text":"Did you wanna break me to break anything more down for you?","start":2450.555,"end":2454.255,"sentiment":"neutral","sentiment_score":0.04603704592833916}],"sentiment":"neutral","sentiment_score":0.1183913336135447,"channel":0,"num_words":32,"start":2445.1948,"end":2454.255},{"sentences":[{"text":"No.","start":2455.05,"end":2455.53,"sentiment":"neutral","sentiment_score":-0.09853290766477583},{"text":"No.","start":2455.53,"end":2456.03,"sentiment":"neutral","sentiment_score":-0.08399330079555511},{"text":"No.","start":2456.09,"end":2456.4102,"sentiment":"neutral","sentiment_score":-0.0758754163980484},{"text":"That Everything's clear as well.","start":2456.4102,"end":2458.81,"sentiment":"neutral","sentiment_score":0.0074196164496243},{"text":"Yep.","start":2458.81,"end":2459.31,"sentiment":"neutral","sentiment_score":0.15118934214115143}],"sentiment":"neutral","sentiment_score":-0.007790466718789604,"channel":1,"num_words":9,"start":2455.05,"end":2459.31},{"sentences":[{"text":"Yeah.","start":2459.85,"end":2460.35,"sentiment":"neutral","sentiment_score":0.33236581087112427},{"text":"That's all good.","start":2463.05,"end":2464.25,"sentiment":"neutral","sentiment_score":0.3102189265191555},{"text":"As I said, after this, you'll take you can take some time to read through the advice document, read through the appendices, come back, and let me know if you do have any questions.","start":2464.25,"end":2472.365,"sentiment":"neutral","sentiment_score":0.08963328961502104},{"text":"I've outlined all the math for you, laid it down, added all the research information for you, and just let me know if there are any additional questions or if there's anything that you do wanna look at changing.","start":2472.365,"end":2482.785,"sentiment":"neutral","sentiment_score":0.1701951808272264},{"text":"If","start":2483.4,"end":2483.5598,"sentiment":"neutral","sentiment_score":0.12589335441589355}],"sentiment":"neutral","sentiment_score":0.14197512620534652,"channel":0,"num_words":78,"start":2459.85,"end":2483.5598},{"sentences":[{"text":"Yes.","start":2483.4001,"end":2483.9001,"sentiment":"neutral","sentiment_score":0.18220598995685575}],"sentiment":"neutral","sentiment_score":0.18220598995685575,"channel":1,"num_words":1,"start":2483.4001,"end":2483.9001},{"sentences":[{"text":"it comes back in Centrelink assessing slightly differently, that's absolutely okay.","start":2483.5598,"end":2487.88,"sentiment":"neutral","sentiment_score":0.14026050743731586},{"text":"We can adjust the pension payments to, you know, coordinate,","start":2487.88,"end":2491.0999,"sentiment":"neutral","sentiment_score":0.16648500338196753}],"sentiment":"neutral","sentiment_score":0.15274836264905475,"channel":0,"num_words":21,"start":2483.5598,"end":2491.0999},{"sentences":[{"text":"Yes.","start":2491.855,"end":2492.355,"sentiment":"neutral","sentiment_score":0.1876356303691864}],"sentiment":"neutral","sentiment_score":0.1876356303691864,"channel":1,"num_words":1,"start":2491.855,"end":2492.355},{"sentences":[{"text":"and we can also if they come back and jump up and down about the main primary residence exemption, then we can always look at sheltering money or look at altering the plan.","start":2491.96,"end":2500.865,"sentiment":"neutral","sentiment_score":0.07257416573437778},{"text":"So moving forward with this advice does not in any way, shape, or form restrict us from to making change to that at any point in time.","start":2500.865,"end":2508.7852,"sentiment":"neutral","sentiment_score":0.04900854950149854},{"text":"The advice is very liquid.","start":2508.7852,"end":2510.145,"sentiment":"neutral","sentiment_score":0.06180197075009346},{"text":"It can be altered and changed as we need to.","start":2510.145,"end":2512.95,"sentiment":"neutral","sentiment_score":0.102149548381567},{"text":"Okay?","start":2512.95,"end":2513.45,"sentiment":"neutral","sentiment_score":0.06495578587055206}],"sentiment":"neutral","sentiment_score":0.0672847293317318,"channel":0,"num_words":76,"start":2491.96,"end":2513.45},{"sentences":[{"text":"Yep.","start":2513.3801,"end":2513.8801,"sentiment":"neutral","sentiment_score":0.08026952296495438},{"text":"Yep.","start":2513.9402,"end":2514.4402,"sentiment":"neutral","sentiment_score":0.14178955554962158},{"text":"Perfect.","start":2514.5,"end":2515.0,"sentiment":"positive","sentiment_score":0.5213935971260071},{"text":"Perfect.","start":2515.22,"end":2515.72,"sentiment":"positive","sentiment_score":0.5364506244659424}],"sentiment":"neutral","sentiment_score":0.31997582502663136,"channel":1,"num_words":4,"start":2513.3801,"end":2515.72},{"sentences":[{"text":"Perfect.","start":2515.83,"end":2516.33,"sentiment":"positive","sentiment_score":0.5835880637168884},{"text":"Excellent.","start":2516.71,"end":2517.21,"sentiment":"positive","sentiment_score":0.5579198598861694},{"text":"That's essentially","start":2518.1501,"end":2518.95,"sentiment":"neutral","sentiment_score":0.2247084528207779}],"sentiment":"positive","sentiment_score":0.3977312073111534,"channel":0,"num_words":4,"start":2515.83,"end":2518.95},{"sentences":[{"text":"Yeah.","start":2518.485,"end":2518.985,"sentiment":"neutral","sentiment_score":0.13447138667106628}],"sentiment":"neutral","sentiment_score":0.13447138667106628,"channel":1,"num_words":1,"start":2518.485,"end":2518.985},{"sentences":[{"text":"the bulk of the advice for you.","start":2518.95,"end":2520.47,"sentiment":"neutral","sentiment_score":0.10250729003122874},{"text":"I won't go through too many more numbers.","start":2520.47,"end":2522.47,"sentiment":"neutral","sentiment_score":0.015891464427113533},{"text":"You probably both it's still early there.","start":2522.47,"end":2524.23,"sentiment":"neutral","sentiment_score":0.014070714158671243},{"text":"You're probably both hanging out for a a","start":2524.23,"end":2526.245,"sentiment":"neutral","sentiment_score":0.04146502888761461}],"sentiment":"neutral","sentiment_score":0.042496599194904165,"channel":0,"num_words":30,"start":2518.95,"end":2526.245},{"sentences":[{"text":"Yeah.","start":2527.8452,"end":2528.3452,"sentiment":"neutral","sentiment_score":0.044629085808992386},{"text":"And so far this morning.","start":2528.645,"end":2530.3452,"sentiment":"neutral","sentiment_score":0.0475726492702961}],"sentiment":"neutral","sentiment_score":0.04708205536007881,"channel":1,"num_words":6,"start":2527.8452,"end":2530.3452},{"sentences":[{"text":"coffee.","start":2531.5852,"end":2532.0852,"sentiment":"neutral","sentiment_score":0.04761163517832756},{"text":"And then and then I'll try numbers at you both.","start":2532.385,"end":2535.5251,"sentiment":"neutral","sentiment_score":0.04627910405397415},{"text":"The other thing we do wanna look at is the the beneficiary side of things.","start":2538.145,"end":2543.56,"sentiment":"neutral","sentiment_score":0.043847435836990675},{"text":"So, Neil, because we are opening up a pension account for you, you have your beneficiary nomination, your super.","start":2543.56,"end":2549.88,"sentiment":"neutral","sentiment_score":0.04162004433180157},{"text":"We need to make sure one is applied to the pension account as well.","start":2549.88,"end":2553.02,"sentiment":"neutral","sentiment_score":0.036323277545826774}],"sentiment":"neutral","sentiment_score":0.041820693918961586,"channel":0,"num_words":59,"start":2531.5852,"end":2553.02},{"sentences":[{"text":"I'm recommending that we actually apply a reversionary beneficiary for you.","start":2553.16,"end":2557.5251,"sentiment":"neutral","sentiment_score":0.047989648512818596},{"text":"So it's a bit different to the way a normal beneficiary works.","start":2557.5251,"end":2560.645,"sentiment":"neutral","sentiment_score":-0.0022549128237490854},{"text":"Normally, you have what's called a binding lapsing or a binding non lapsing beneficiary.","start":2560.645,"end":2564.665,"sentiment":"neutral","sentiment_score":0.0017318340666991258},{"text":"That essentially, in the event of you passing, means that your spouse needs to go through a claim.","start":2565.205,"end":2569.705,"sentiment":"neutral","sentiment_score":0.015588167123496532},{"text":"In pension phase, we get access to some cooler beneficiary nominations.","start":2570.24,"end":2574.9,"sentiment":"neutral","sentiment_score":0.051232018931345505}],"sentiment":"neutral","sentiment_score":0.020745637472083963,"channel":0,"num_words":66,"start":2553.16,"end":2574.9},{"sentences":[{"text":"Sorry.","start":2575.04,"end":2575.44,"sentiment":"neutral","sentiment_score":-0.09935229271650314},{"text":"I'm definitely an adviser.","start":2575.44,"end":2576.64,"sentiment":"neutral","sentiment_score":-0.1118371207267046},{"text":"I do apologize.","start":2576.64,"end":2577.46,"sentiment":"neutral","sentiment_score":-0.11898319919904073},{"text":"It's cool to me.","start":2577.92,"end":2578.98,"sentiment":"neutral","sentiment_score":0.07347856275737286},{"text":"With a reversionary beneficiary, they're only available in pension account, and it can only be paid to your spouse.","start":2579.52,"end":2585.78,"sentiment":"neutral","sentiment_score":-0.018669006194135074}],"sentiment":"neutral","sentiment_score":-0.031111201286436088,"channel":0,"num_words":31,"start":2575.04,"end":2585.78},{"sentences":[{"text":"And it means that if anything happens, once you're in pension phase with your pension being paid down, if you were to pass away, your pension payments would continue to be paid to Camilla with no stopping.","start":2586.045,"end":2598.545,"sentiment":"neutral","sentiment_score":0.15079772814705567},{"text":"Under","start":2599.26,"end":2599.5,"sentiment":"neutral","sentiment_score":0.16244569420814514}],"sentiment":"neutral","sentiment_score":0.1511042535697159,"channel":0,"num_words":38,"start":2586.045,"end":2599.5},{"sentences":[{"text":"Yes.","start":2599.2698,"end":2599.755,"sentiment":"neutral","sentiment_score":0.19737659394741056}],"sentiment":"neutral","sentiment_score":0.19737659394741056,"channel":1,"num_words":1,"start":2599.2698,"end":2599.755},{"sentences":[{"text":"a normal, beneficiary nomination, whether it be binding or nonbinding, the pension payments after your passing would essentially stop, and, Camilla, you would have to claim on the on the super or the pension account and have that transferred into your name.","start":2599.5,"end":2616.0452,"sentiment":"neutral","sentiment_score":0.13807032346015885},{"text":"With a yeah.","start":2616.5852,"end":2617.8652,"sentiment":"neutral","sentiment_score":0.14288089672724405},{"text":"With a reversionary beneficiary, if you're getting that $868 or the $7.74 on a regular weekly basis and Neil was to pass away, those pension payments just continue.","start":2617.8652,"end":2629.32,"sentiment":"neutral","sentiment_score":0.0988819572542395},{"text":"They're still doing all the claiming the back end, but it means that you don't miss out on those additional funds, which because you still have, you know, your expenditure, you've got life and fuel and groceries and everything else","start":2629.7,"end":2641.14,"sentiment":"neutral","sentiment_score":0.31077530682086946}],"sentiment":"neutral","sentiment_score":0.18962215355276008,"channel":0,"num_words":113,"start":2599.5,"end":2641.14},{"sentences":[{"text":"Yes.","start":2640.955,"end":2641.455,"sentiment":"neutral","sentiment_score":0.3168959617614746}],"sentiment":"neutral","sentiment_score":0.3168959617614746,"channel":1,"num_words":1,"start":2640.955,"end":2641.455},{"sentences":[{"text":"that goes into that.","start":2641.14,"end":2642.385,"sentiment":"neutral","sentiment_score":0.2969718351960182},{"text":"Just because one person passes away, doesn't mean your bills stop at the same time.","start":2642.625,"end":2647.745,"sentiment":"neutral","sentiment_score":0.18914371182521184},{"text":"So it does allow you to continue to receive that, pension payment on a regular basis.","start":2647.745,"end":2652.885,"sentiment":"positive","sentiment_score":0.5216750483959913},{"text":"It doesn't stop in any way, and they still just go through the claims process in the background whilst they transfer everything into your name.","start":2653.105,"end":2660.44,"sentiment":"neutral","sentiment_score":0.26692467868328096},{"text":"So","start":2660.44,"end":2660.94,"sentiment":"neutral","sentiment_score":0.3165474534034729}],"sentiment":"neutral","sentiment_score":0.31740177398333785,"channel":0,"num_words":61,"start":2641.14,"end":2660.94},{"sentences":[{"text":"Yes.","start":2661.385,"end":2661.885,"sentiment":"positive","sentiment_score":0.4755215048789978}],"sentiment":"positive","sentiment_score":0.4755215048789978,"channel":1,"num_words":1,"start":2661.385,"end":2661.885},{"sentences":[{"text":"it's a really cool way of just making sure that everything is, you know, dotted, that you're still able to access those funds when needed, and","start":2661.72,"end":2669.505,"sentiment":"positive","sentiment_score":0.663588013786536}],"sentiment":"positive","sentiment_score":0.663588013786536,"channel":0,"num_words":26,"start":2661.72,"end":2669.505},{"sentences":[{"text":"Yes.","start":2669.385,"end":2669.885,"sentiment":"positive","sentiment_score":0.4657551050186157}],"sentiment":"positive","sentiment_score":0.4657551050186157,"channel":1,"num_words":1,"start":2669.385,"end":2669.885},{"sentences":[{"text":"making sure that you're supported even through the time.","start":2669.505,"end":2671.9048,"sentiment":"positive","sentiment_score":0.4556577934159173},{"text":"And sometimes it's the most expensive time I do know going through.","start":2671.9048,"end":2675.9248,"sentiment":"neutral","sentiment_score":-0.30730406381189823},{"text":"I mean, I'm 41 now, so, unfortunately, I'm at the point where a lot of people I've known for years and years are at that passing stage and, unfortunately, going to a lot of funerals at the moment.","start":2676.4648,"end":2685.8298,"sentiment":"neutral","sentiment_score":-0.25258304061074005},{"text":"So,","start":2685.8298,"end":2686.3098,"sentiment":"neutral","sentiment_score":-0.06830833107233047}],"sentiment":"neutral","sentiment_score":-0.1542198749879996,"channel":0,"num_words":60,"start":2669.505,"end":2686.3098},{"sentences":[{"text":"Yes.","start":2686.1,"end":2686.6,"sentiment":"neutral","sentiment_score":-0.06424989551305771}],"sentiment":"neutral","sentiment_score":-0.06424989551305771,"channel":1,"num_words":1,"start":2686.1,"end":2686.6},{"sentences":[{"text":"you know, it is it is something you think about.","start":2686.3098,"end":2688.47,"sentiment":"neutral","sentiment_score":-0.0780757062137127},{"text":"And families actually find it's a lot more expensive at the time people are coming in.","start":2688.47,"end":2693.3499,"sentiment":"neutral","sentiment_score":-0.2695469353348017},{"text":"You've got expenditure.","start":2693.3499,"end":2694.3298,"sentiment":"neutral","sentiment_score":-0.22139039635658264},{"text":"You might be taking time off work,","start":2694.47,"end":2696.23,"sentiment":"neutral","sentiment_score":-0.17579381806509836}],"sentiment":"neutral","sentiment_score":-0.19411766508387196,"channel":0,"num_words":36,"start":2686.3098,"end":2696.23},{"sentences":[{"text":"Yes.","start":2695.965,"end":2696.465,"sentiment":"neutral","sentiment_score":-0.08645883202552795}],"sentiment":"neutral","sentiment_score":-0.08645883202552795,"channel":1,"num_words":1,"start":2695.965,"end":2696.465},{"sentences":[{"text":"and you're buying food and paying for everything for the funeral and things like that.","start":2696.23,"end":2700.775,"sentiment":"neutral","sentiment_score":-0.2205261598030726},{"text":"So it can be more of an expensive time frame.","start":2700.775,"end":2703.4949,"sentiment":"neutral","sentiment_score":-0.25565662384033205},{"text":"So continuing those pension payments there just protects you and looks after you whilst you're going through that time.","start":2703.4949,"end":2710.1548,"sentiment":"neutral","sentiment_score":0.13083415007904955},{"text":"In saying that, Neil, I hope nothing happens.","start":2710.53,"end":2713.09,"sentiment":"neutral","sentiment_score":0.054134412202984095},{"text":"I'm touching all the wood possible.","start":2713.09,"end":2714.87,"sentiment":"positive","sentiment_score":0.4215940584739049}],"sentiment":"neutral","sentiment_score":-0.00717189888758906,"channel":0,"num_words":58,"start":2696.23,"end":2714.87},{"sentences":[{"text":"I want you to live and enjoy the next thirty to forty years of your retirement.","start":2714.93,"end":2718.95,"sentiment":"positive","sentiment_score":0.6663482822477818},{"text":"Okay?","start":2719.57,"end":2720.07,"sentiment":"positive","sentiment_score":0.48971107602119446},{"text":"Beautiful.","start":2726.2249,"end":2726.7249,"sentiment":"positive","sentiment_score":0.7577114105224609},{"text":"Beautiful.","start":2727.1848,"end":2727.6848,"sentiment":"positive","sentiment_score":0.6991009712219238},{"text":"But, look, that's essentially all the stages of the advice there.","start":2728.545,"end":2732.165,"sentiment":"neutral","sentiment_score":0.09315568479624661}],"sentiment":"positive","sentiment_score":0.4544269502162933,"channel":0,"num_words":30,"start":2714.93,"end":2732.165},{"sentences":[{"text":"I the","start":2732.545,"end":2732.865,"sentiment":"neutral","sentiment_score":0.01615985296666622}],"sentiment":"neutral","sentiment_score":0.01615985296666622,"channel":0,"num_words":2,"start":2732.545,"end":2732.865},{"sentences":[{"text":"Yeah.","start":2732.8398,"end":2733.3398,"sentiment":"neutral","sentiment_score":0.021197397261857983}],"sentiment":"neutral","sentiment_score":0.021197397261857983,"channel":1,"num_words":1,"start":2732.8398,"end":2733.3398},{"sentences":[{"text":"only other thing I need to point out to you, Neil, is that you do pay an ongoing service fee for having us as your advisers.","start":2732.865,"end":2738.76,"sentiment":"neutral","sentiment_score":0.009987976025933256},{"text":"You pay 1.65% per 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pleasure.","start":3118.4849,"end":3119.2048,"sentiment":"positive","sentiment_score":0.7339855134487152},{"text":"Thank","start":3119.2048,"end":3119.365,"sentiment":"positive","sentiment_score":0.706018328666687}],"sentiment":"positive","sentiment_score":0.7246631185213724,"channel":0,"num_words":3,"start":3118.4849,"end":3119.365},{"sentences":[{"text":"You","start":3119.32,"end":3119.82,"sentiment":"positive","sentiment_score":0.7208473682403564}],"sentiment":"positive","sentiment_score":0.7208473682403564,"channel":1,"num_words":1,"start":3119.32,"end":3119.82},{"sentences":[{"text":"you so much.","start":3119.365,"end":3120.345,"sentiment":"positive","sentiment_score":0.8054636120796204},{"text":"See","start":3120.565,"end":3120.7249,"sentiment":"positive","sentiment_score":0.4840804934501648}],"sentiment":"positive","sentiment_score":0.7251178324222565,"channel":0,"num_words":4,"start":3119.365,"end":3120.7249},{"sentences":[{"text":"Have","start":3120.72,"end":3120.8398,"sentiment":"positive","sentiment_score":0.5470476746559143}],"sentiment":"positive","sentiment_score":0.5470476746559143,"channel":1,"num_words":1,"start":3120.72,"end":3120.8398},{"sentences":[{"text":"you later.","start":3120.7249,"end":3121.305,"sentiment":"positive","sentiment_score":0.5509684085845947}],"sentiment":"positive","sentiment_score":0.5509684085845947,"channel":0,"num_words":2,"start":3120.7249,"end":3121.305},{"sentences":[{"text":"a good day.","start":3120.8398,"end":3121.6199,"sentiment":"positive","sentiment_score":0.4988885124524434},{"text":"Bye bye.","start":3121.92,"end":3122.66,"sentiment":"neutral","sentiment_score":0.2342159003019333}],"sentiment":"positive","sentiment_score":0.3930194675922394,"channel":1,"num_words":5,"start":3120.8398,"end":3122.66},{"sentences":[{"text":"Bye.","start":3122.9648,"end":3123.4648,"sentiment":"neutral","sentiment_score":-0.08557115495204926}],"sentiment":"neutral","sentiment_score":-0.08557115495204926,"channel":0,"num_words":1,"start":3122.9648,"end":3123.4648}]},"summary":{"result":"success","short":"The representative from Oakview Financial confirms a call with Neil and provides guidance on the process of sending an updated statement of advice and obtaining personal information. They emphasize the importance of researching income and assets, including a computer tool, and recommend a retirement plan. The speaker emphasizes the importance of reducing risk levels and maintaining a balanced portfolio for longevity. They also explain the process of transferring funds into a pension account and recommend moving 100% into a pension plan. The agent emphasizes the importance of staying under the asset test and reducing risk levels, and provides guidance on updating bank information and updating the financial services guide. The speaker emphasizes the importance of updating retirement accounts and updating financial services, and offers guidance on signing and returning recommendations."},"intents":{"segments":[{"text":"I have your updated statement of advice to run through with you this morning. Is now still a good time there for you?","start_word":24,"end_word":46,"intents":[{"intent":"Update statement of advice","confidence_score":0.34308052}]},{"text":"Now just before we jump into the call, Neil, I do need to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yep. Fantastic.","start_word":114,"end_word":150,"intents":[{"intent":"Record calls","confidence_score":0.1376986}]},{"text":"And, also, just to do security today with you, just to confirm your full name, your address, and date of birth I should have on file.","start_word":151,"end_word":176,"intents":[{"intent":"Confirm security","confidence_score":0.24423134}]},{"text":"How was jury duty? Oh, yeah.","start_word":234,"end_word":239,"intents":[{"intent":"Discuss jury duty","confidence_score":0.047556926}]},{"text":"It was due to the sensitivity of the case, it was a closed court. Yeah. And by the end of the week, after some legal counsel, they actually discharged our jury, And the jury, you know, sort of officer who's looking after us said it was probably in all likelihood some either some evidence had been withdrawn or or whatever, and we'd all been contaminated. So Oh, wow.","start_word":258,"end_word":325,"intents":[{"intent":"Discuss contaminated evidence","confidence_score":0.056836024}]},{"text":"And by the end of the week, after some legal counsel, they actually discharged our jury, And the jury, you know, sort of officer who's looking after us said it was probably in all likelihood some either some evidence had been withdrawn or or whatever, and we'd all been contaminated. So Oh, wow.","start_word":273,"end_word":325,"intents":[{"intent":"Discharge jury","confidence_score":0.053503446}]},{"text":"So I'll go through what I'm recommending for you now.","start_word":662,"end_word":671,"intents":[{"intent":"Recommend options","confidence_score":0.11065336}]},{"text":"And then once I've gone through the sections that I need to, I'll let you guys go back and read through the rest of the document properly.","start_word":707,"end_word":733,"intents":[{"intent":"Guide document navigate","confidence_score":0.00041832408}]},{"text":"So we're looking at superannuation, Centrelink assessment, retirement income needs, the estate planning side of things because we are looking at your retirement accounts now as well, and then also withdrawing some funds to pay off the debt, your home loan as well. Okay?","start_word":1097,"end_word":1140,"intents":[{"intent":"Explore investment strategies","confidence_score":0.00040236363}]},{"text":"One of the big things is because, Neil, you have technically worked for some of this financial year, I would be suggesting we just hold off on the AMP shares for now.","start_word":1494,"end_word":1525,"intents":[{"intent":"Hold off","confidence_score":0.26459953}]},{"text":"But for the time being, holding them is not a problem. We can maybe come back down the track and reassess those shares and work out, you know, if selling them is a good idea or keeping them.","start_word":1607,"end_word":1644,"intents":[{"intent":"Reassess shares","confidence_score":0.009451971}]},{"text":"With this recommendation here, I'm recommending that you do retain the full amount and that we would retain everything in your super and roll you over.","start_word":2029,"end_word":2054,"intents":[{"intent":"Recommend retaining pension","confidence_score":0.052283205},{"intent":"Suggest retaining all pension amount","confidence_score":0.00005403686}]},{"text":"The biggest thing with this is that I did go back and have a look at Centrelink and the assessment there because the way they assess your property, even though your property is essentially over that two hectares, just a little bit over the two hectares side of things, because, essentially, you guys have confirmed the property is not suitable for farming.","start_word":2055,"end_word":2116,"intents":[{"intent":"Discuss centrelink assessment","confidence_score":0.06458011}]},{"text":"The exception to this extended land use test is that the land is is that if the land has no scope or limited potential to you to earn income, it can still satisfy the test as long as it isn't being produced as a or used as a commercial property in any way, shape, or form.","start_word":2236,"end_word":2291,"intents":[{"intent":"Assess land use eligibility","confidence_score":0.05289722}]},{"text":"I can always go back and reevaluate things if they are assessing some of the land as an asset. But, theoretically, based on everything I've looked at and their own rules, your whole property should be fully exempt. Okay? Yeah.","start_word":2560,"end_word":2599,"intents":[{"intent":"Evaluate property under the extended land use test","confidence_score":0.00020560673},{"intent":"Assess super as investment and asset","confidence_score":0.0002382065},{"intent":"Evaluate super as investment","confidence_score":0.04844824}]},{"text":"I can always go back and reevaluate things if they are assessing some of the land as an asset. But, theoretically, based on everything I've looked at and their own rules, your whole property should be fully exempt. Okay? Yeah. Yeah.","start_word":2560,"end_word":2600,"intents":[{"intent":"Evaluate land as asset","confidence_score":0.49270383}]},{"text":"If there is any change to the Centrelink assessment, then we can absolutely look at doing that. But to do that, I would want to make sure that I'm assessing your super as well, looking at how it's invested, whether the money being deposited make you know, what kind of caps it meets for you, how it's best to be deposited, and how that looks long term for you both as well.","start_word":2730,"end_word":2801,"intents":[{"intent":"Consider possible changes to the centrelink assessment","confidence_score":0.0000379319}]},{"text":"So that phase is completely tax free as well as the the drawdowns being tax free for you. Does that make sense? Yeah.","start_word":2903,"end_word":2925,"intents":[{"intent":"Look at tax-free tax","confidence_score":0.0000042598003},{"intent":"Confirm understanding of tax-free tax","confidence_score":0.0005968202}]},{"text":"recommendations are in your best interest because it is a more tax effective way for you.","start_word":3391,"end_word":3406,"intents":[{"intent":"Recommend tax-efficient investment plan","confidence_score":0.00022929034}]},{"text":"where it says retain your HUB24 Superfund, it's actually the the pension phase of the Superfund, though, It isn't is.","start_word":3705,"end_word":3724,"intents":[{"intent":"Remain superfund","confidence_score":0.046644423}]},{"text":"If you scroll down a little bit further for me to page number 30, I'll show you what changes we're gonna make to the investments just so you can see all of that. Yep.","start_word":3810,"end_word":3843,"intents":[{"intent":"Discuss investments","confidence_score":0.03667485}]},{"text":"We'll also be selling down the bank hybrids.","start_word":3922,"end_word":3929,"intents":[{"intent":"Sell bank hybrids","confidence_score":0.45811632}]},{"text":"We're just rebalancing it for you. So you are a bit you've got a 9% at the moment. We do wanna hold 10% of your total balance there. But when we Mhmm. look at the amount you hold now compared to what we need to have in your total balance, we just need to sell off a little bit of that as well.","start_word":4007,"end_word":4069,"intents":[{"intent":"Rebalance portfolio","confidence_score":0.30563918}]},{"text":"So putting 25% of your funds into this sort of investment here. We are still holding the S and P 500, so exposure into The US is still really important. And you do wanna have some growth investments in your soup in your super in your pension anyway.","start_word":4168,"end_word":4215,"intents":[{"intent":"Promote investing practices","confidence_score":0.000011813593}]},{"text":"The Vanguard or WorldX US, that's essentially looking at investing across every country except for The US, and that's because we have the S and P 500 above there. And, again, it's diversification. So one of the best best ways to mitigate long term market risk is to diversify. Make sure you're spreading your risk across lots of different countries, asset classes, across those growth and defensive assets there.","start_word":4429,"end_word":4497,"intents":[{"intent":"Analyze investment diversification","confidence_score":0.012218791}]},{"text":"So you are always tracking the top 500 companies on the a with the S and P 500. And with the a 200, you're always tracking the top 200 companies on the ASX as well. Does that make sense?","start_word":4814,"end_word":4852,"intents":[{"intent":"Track stocks","confidence_score":0.0019877588}]},{"text":"So, essentially, where we are at the moment with the recommendations of stage one, two, and three, they will start by moving you into the pension phase, Then we'll draw down that 87,000 so you can pay off the mortgage, and then we're gonna do an investment switch there for you as well, which is also lowering your risk level and changing your investments so that things are working harder for you. Okay?","start_word":5203,"end_word":5275,"intents":[{"intent":"Transfer call into pension","confidence_score":1.4503696e-7}]},{"text":"So what I'm recommending with this stage is once we've done we've moved you into pension. We've drawn down the 87,000 for you. We've done we're doing the investments which as well, but we're also gonna set up a regular pension payment for you.","start_word":5371,"end_word":5414,"intents":[{"intent":"Set up regular pension payment","confidence_score":0.5230597}]},{"text":"So once we open the pension account, we'll set your pension up.","start_word":5508,"end_word":5519,"intents":[{"intent":"Set up pension account","confidence_score":0.36312103}]},{"text":"So I went back and I looked at how you had filled out the application form, and I had a look at the assessment.","start_word":5726,"end_word":5749,"intents":[{"intent":"Review application form","confidence_score":0.00029627484}]},{"text":"And that tells us how much income that Centrelink will assess you under the income test.","start_word":6146,"end_word":6161,"intents":[{"intent":"Calculate income","confidence_score":0.45139924}]},{"text":"order to look at the assets test, essentially, they look at the total asset value, your super balance, the bank account balances, your shares. They also take into account the two vehicles and your contents there as well. Yeah.","start_word":6326,"end_word":6364,"intents":[{"intent":"Analyze assets test","confidence_score":0.26343098}]},{"text":"You would think that they're gonna assess you under the income test because you're getting still income regularly, but it doesn't tend to work that way.","start_word":6726,"end_word":6751,"intents":[{"intent":"Evaluate income and sheltering","confidence_score":0.01195395}]},{"text":"Once the Centrelink assessment comes through, essentially, we wanna just reduce that back a little bit. So by being under the assets test and getting the $1.87 93 per fortnight from Centrelink, we can then reduce your pension payments out of your pension account to $7.74 and 4<unk>.","start_word":7277,"end_word":7324,"intents":[{"intent":"Reduce pension payments","confidence_score":0.4112134}]},{"text":"The advice is very liquid. It can be altered and changed as we need to. Okay? Yep.","start_word":7564,"end_word":7580,"intents":[{"intent":"Clarify pension instructions","confidence_score":0.0004548376}]},{"text":"And it means that if anything happens, once you're in pension phase with your pension being paid down, if you were to pass away, your pension payments would continue to be paid to Camilla with no stopping. Under Yes.","start_word":7782,"end_word":7820,"intents":[{"intent":"Update pension payments","confidence_score":0.008497916}]},{"text":"only other thing I need to point out to you, Neil, is that you do pay an ongoing service fee for having us as your advisers. You pay 1.65% per annum.","start_word":8212,"end_word":8242,"intents":[{"intent":"Clarify fee charges","confidence_score":0.000053393545}]},{"text":"So it's about updating Centrelink with the the Super balance after you've drawn that 87,000 out.","start_word":8864,"end_word":8879,"intents":[{"intent":"Update centrelink","confidence_score":0.49352157},{"intent":"Update super balance","confidence_score":0.6762494}]},{"text":"So it's about updating Centrelink with the the Super balance after you've drawn that 87,000 out. Yep.","start_word":8864,"end_word":8880,"intents":[{"intent":"Obtain appraisal","confidence_score":0.00086400524}]},{"text":"once we start things once I've assessed everything, we can go back and make alterations to everything. Yes.","start_word":8939,"end_word":8956,"intents":[{"intent":"Make alterations","confidence_score":0.034430303},{"intent":"Confirm changes","confidence_score":0.00036067254}]},{"text":"If you decide there's something you wanna alter or change, there is a text box for you to write in.","start_word":9085,"end_word":9104,"intents":[{"intent":"Advise on changes","confidence_score":0.014537642}]},{"text":"And I've attached all those documents to the email as an attachment so you can save them down, and you can also look at them again a bit later.","start_word":9142,"end_word":9170,"intents":[{"intent":"Document changes","confidence_score":0.00076871866}]},{"text":"That's okay. Do either of you have any questions at the moment? No. No. Sorry.","start_word":9217,"end_word":9231,"intents":[{"intent":"End conversation","confidence_score":0.0127421785}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Neil. It's Dana from Oakview Financial. How are you this morning? Not bad, Dana. How are you?","start_word":0,"end_word":18,"sentiment":"neutral","sentiment_score":0.14259696006774902},{"text":"I'm very well. Thank you. I have your updated statement of advice to run through with you this morning.","start_word":19,"end_word":37,"sentiment":"positive","sentiment_score":0.4697890877723694},{"text":"Is now still a good time there for you? Yep.","start_word":38,"end_word":47,"sentiment":"neutral","sentiment_score":0.304101824760437},{"text":"Fantastic. All good. I'm just gonna email this one through to you.","start_word":48,"end_word":59,"sentiment":"positive","sentiment_score":0.40288957953453064},{"text":"So if you're able to open up your emails there and open up the document, we'll we'll be able to go through that together, and then you'd be able to take it back and have a bit of a read through it as well. Okay? It should be on its way to you there. Now just before we jump into the call, Neil, I do need to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yep.","start_word":60,"end_word":149,"sentiment":"neutral","sentiment_score":0.19844116270542145},{"text":"Fantastic.","start_word":150,"end_word":150,"sentiment":"positive","sentiment_score":0.41235190629959106},{"text":"And, also, just to do security today with you, just to confirm your full name, your address, and date of birth I should have on file. Neil Allen, 09/04/1959. PO Box 205. Point up with 16. Close. Point up.","start_word":151,"end_word":189,"sentiment":"neutral","sentiment_score":0.0954095721244812},{"text":"Beautiful. Thank you so much for that.","start_word":190,"end_word":196,"sentiment":"positive","sentiment_score":0.4583219885826111},{"text":"And how's your week been so far? Not That's good. That's good. And, bad. Camilla, are you on the line as well? How are you? Yeah. I'm here too. Thanks, Dana. Good. Thanks. Oh, that that's good. How was jury duty? Oh, yeah. It was it was A lot? in the end, it was a bit anticlimactic. Oh, We really? yeah. It was due to the sensitivity of the case, it was a closed court. Yeah. And by the end of the week, after some legal counsel, they actually discharged our jury, And the jury, you know, sort of officer who's looking after us said it was probably in all likelihood some either some evidence had been withdrawn or or whatever, and we'd all been contaminated. So Oh, wow. yeah. So we were discharged, and and they would obviously, I guess, go ahead with another jury at another time. But, yeah, he sort of walked away with no closure. Oh. It yeah.","start_word":197,"end_word":358,"sentiment":"neutral","sentiment_score":-0.11076337844133376},{"text":"But it was, you know I mean, it wasn't a nice case anyway.","start_word":359,"end_word":371,"sentiment":"negative","sentiment_score":-0.4334074854850769},{"text":"You know, either way it Yeah.","start_word":372,"end_word":377,"sentiment":"neutral","sentiment_score":-0.23379018902778623},{"text":"went to ruin someone's life.","start_word":378,"end_word":382,"sentiment":"negative","sentiment_score":-0.550220251083374},{"text":"So, Absolutely. yeah. Wow.","start_word":383,"end_word":386,"sentiment":"neutral","sentiment_score":-0.1268625259399414},{"text":"But week of my life, I'll never get it back.","start_word":387,"end_word":396,"sentiment":"negative","sentiment_score":-0.419993132352829},{"text":"Yeah. Absolutely. Wow. I I've never really met anyone that's had to go to jury or being called for jury duty before. So, wow, that's definitely an interesting Yes. one.","start_word":397,"end_word":426,"sentiment":"neutral","sentiment_score":0.04910996928811073},{"text":"But, yeah, I'm glad you yeah. You know, it worked out well for yourself.","start_word":427,"end_word":440,"sentiment":"positive","sentiment_score":0.513119101524353},{"text":"You didn't have to sit there and go through a long arduous case. Yeah. Exactly. Yep. Oh, wow. Wow. Good. And how's sorry. You're right. No. No. You go. All good. Has that email popped through to you guys at the moment Yep. yet? Yeah. Yep. Yeah. Yep.","start_word":441,"end_word":488,"sentiment":"neutral","sentiment_score":0.06062682718038559},{"text":"Fantastic.","start_word":489,"end_word":489,"sentiment":"positive","sentiment_score":0.5217812061309814},{"text":"And you I know you guys submitted your Centrelink application last week or the week before there. How is that going? Have they come back asking for anything additional, or are they still just processing everything? You're still just waiting? No. Still just waiting. I'm assuming Yes. they're they did say Neil handed it over in person, and they did Yeah. say that thing now. So, Yeah. yes, that won't be too long. No. That's okay. It can take upwards of thirteen weeks if if they are doing things in a timely manner, but it can also take a little bit longer there. So if anything does come back different, let me know. As with this advice document, I've gone back and calculated the income and assets test that I'm able to do so and looked at how the property should be assessed for you and worked out the entitlement based on where you are currently at, Yes. and then looked at any additional alternatives and what else we can do there. So I'll go through what I'm recommending for you now. Yep. I'll let you know sort of what we have the advantages, disadvantages, alternatives, risks involved, things like that. Yep. I'll go through just a couple of the pages, sort of direct you through. And then once I've gone through the sections that I need to, I'll let you guys go back and read through the rest of the document properly. I've also got the appendices attached there, which outlines all the research conducted. I've also got the math equation, noting down how I've come through to the assets and income testing for you and come to the numbers that I've got there. If Centrelink does come back because there is always a there can be a discrepancy. So because I do all the math manually, they have a computer that does it. If Centrelink come back and note that there's a different assessment to what I've been able to work out, you guys just come and let me know. We can alter the advice to reflect and make some changes where we need to. Okay? Yes.","start_word":490,"end_word":848,"sentiment":"neutral","sentiment_score":0.034405387875761494},{"text":"All good. So when you've got that one open there, Neil, you'll note on the front page, it has your beautiful name there, so prepared for yourself. We did complete the document as of the May 25 and had it all ready to go for Is you.","start_word":849,"end_word":895,"sentiment":"positive","sentiment_score":0.3835539221763611},{"text":"And on the bottom there for you both, it has my registration license information for you. Okay? this the Yeah. statement of advice we're looking at? Yeah. That's the Yep. one. Yeah. Sorry. That's fine. Just right. Making sure I'm clicking on the right thing. Yep. You're right.","start_word":896,"end_word":943,"sentiment":"neutral","sentiment_score":0.1407056450843811},{"text":"All good. All good.","start_word":944,"end_word":947,"sentiment":"positive","sentiment_score":0.49344462156295776},{"text":"Now it should be letting you go up and down through that document. Is that Yep. working for you okay? Yep. Yep.","start_word":948,"end_word":969,"sentiment":"neutral","sentiment_score":0.2203035205602646},{"text":"Beautiful. Excellent.","start_word":970,"end_word":971,"sentiment":"positive","sentiment_score":0.6847100853919983},{"text":"On the front there for your reference, my license number registered with ASIC is 1304394. And on the next page, it does outline the best interest duty. So as advisers, we have a fiduciary duty to make sure our advice is appropriate to you is there to help you meet your goals, but also under best interest. If there's a point where we're not meeting your goals, it's also within our fiduciary duty to make sure we disclose that to you. Okay? Yeah. To make things a little bit easier, as you are sort of scrolling through the first few pages there, sort of pages three onwards, it notes the areas that we are scoping in and scoping out with regards to the advice there. So we're looking at superannuation, Centrelink assessment, retirement income needs, the estate planning side of things because we are looking at your retirement accounts now as well, and then also withdrawing some funds to pay off the debt, your home loan as well. Okay? Yes. We're not looking at anything with regard to personal insurances, and I've actually scoped out the AMP shares there.","start_word":972,"end_word":1160,"sentiment":"neutral","sentiment_score":0.1395282898315046},{"text":"So the state that you sent me was good.","start_word":1161,"end_word":1169,"sentiment":"positive","sentiment_score":0.5090963244438171},{"text":"It does note that you do have the shares there, but it doesn't kinda give me any cost base. So I've scoped that out of the advice for now. What I'll get you to do is if you want me to look at maybe whether you sell or keep those shares, I can look at that a little bit down the track, but I'll need to find out what the original cost base does. So when you originally purchased those shares or when they were provided to you, what was the purchase price that you paid for them or the capital you put into it so We I didn't can work pay out the tax consequences? They were just we given to you? Yeah. yeah. I think Yep. it That's was okay. with a with a changeover of something with the AMP Bank or a it Yep. was something to do with, like, years ago with the a with the AMP. But, Yep. yeah, we never bought them. They were actually gifted as part of some changeover on their behalf. Okay. No. That's okay. Do you happen to have any of the documents anywhere when they were originally gifted or provided to you guys with the information? Just because I do need to be able to work out essentially what the cost base might be if there is a cost base, what they've said the initial buy price would look like, and work out the CGT consequences for you guys if you were to sell them. Yeah. Look. I doubt it very much. But No. I That's okay. That's okay. yeah. We're talking this is probably, like, close to thirty years ago. Okay. I I don't know. I have to go way back in my archives and Yep. I but I doubt it very much. No. That's okay. That's not a problem at all. We can always sort of revisit that down the track. One of the big things is because, Neil, you have technically worked for some of this financial year, I would be suggesting we just hold off on the AMP shares for now. I did Yes. work out the value essentially with the current share price of those shares and the amount you do hold. The value is approximately about $2,600 worth. So it's not a huge asset to hold. It is something that does need to be disclosed to Centrelink as to the application, and it looks like on the application, they haven't been disclosed. So it is something to definitely make sure that we do add into the Centrelink update there. Yeah. But for the time being, holding them is not a problem.","start_word":1170,"end_word":1617,"sentiment":"neutral","sentiment_score":0.034104188600654846},{"text":"We can maybe come back down the track and reassess those shares and work out, you know, if selling them is a good idea or keeping them.","start_word":1618,"end_word":1644,"sentiment":"positive","sentiment_score":0.3553944528102875},{"text":"Normally, when we talk about selling investments and shares and things like that, because there are CGT of tax consequences for selling an investment, we normally sort of say, hold off until you have to sell them. If there's no need to sell them now, if you don't need the money desperately, then there's no point in creating a CDT event. You may as well just hold on to them. But, also, Neil, once you are officially, you know, not or haven't worked for twelve months, realistically, you won't have any actual income or you should be under the tax rate threshold.","start_word":1645,"end_word":1746,"sentiment":"neutral","sentiment_score":0.02228139154613018},{"text":"So selling them when you kind of hit that point could come at more of an advantage for you as well. That way, the money you sell them for, you get to keep for yourselves instead of having to pay tax on those.","start_word":1747,"end_word":1789,"sentiment":"positive","sentiment_score":0.5206205248832703},{"text":"So we'll hold off for now. If I if we can get you to gather a bit more detail down the track for me, I can have more of a look at those for you, and then we might sort of revisit that in the new financial year when we, you know, when you haven't worked for twelve months, then you're hopefully under that tax free threshold with income side of things. Does that make sense? Yep. Yep.","start_word":1790,"end_word":1867,"sentiment":"neutral","sentiment_score":0.058276139199733734},{"text":"Beautiful. All good.","start_word":1868,"end_word":1870,"sentiment":"positive","sentiment_score":0.6249397397041321},{"text":"So we're holding off on those shares at the moment there, but it's good to kinda keep those as a record. To make things a bit easier, what I'll get you to do is if you can scroll forward for me down to about page number 12, this is essentially where the recommendations are starting for you.","start_word":1871,"end_word":1927,"sentiment":"neutral","sentiment_score":0.2513215243816376},{"text":"Yeah. Beautiful. So I've put them into stages to kinda show you how this will work. I'll go through it as easily as possible.","start_word":1928,"end_word":1951,"sentiment":"positive","sentiment_score":0.528606653213501},{"text":"Feel free to let me know if you do happen to have any questions there. Essentially, to start with, I am recommending, Neil, that you do move a 100% into the account based pension side of things. So we're gonna retain Hub twenty four as a platform and move all of your super a 100% into an account based pension for you within Hub twenty four. Essentially, this then allows you to start drawing an income there. With this recommendation here, I'm recommending that you do retain the full amount and that we would retain everything in your super and roll you over. The biggest thing with this is that I did go back and have a look at Centrelink and the assessment there because the way they assess your property, even though your property is essentially over that two hectares, just a little bit over the two hectares side of things, because, essentially, you guys have confirmed the property is not suitable for farming.","start_word":1952,"end_word":2116,"sentiment":"neutral","sentiment_score":0.07764015346765518},{"text":"It's swampy.","start_word":2117,"end_word":2118,"sentiment":"negative","sentiment_score":-0.4313633441925049},{"text":"The soil isn't of a condition to do so. Essentially, for them to assess that, they're assessing it under what's called the extended land purpose. So they need to be able to show that, a, you've had the property for more than twenty years, which you absolutely have, and I was able to Google to check that too. So I'm not sure how they couldn't prove that originally. You need to be of age pension age, which you do need, but then the other thing is making effective use of the productive land to generate income.","start_word":2119,"end_word":2214,"sentiment":"neutral","sentiment_score":-0.06753556232433766},{"text":"So because the land is not suitable for generating income, it's swampy.","start_word":2215,"end_word":2226,"sentiment":"negative","sentiment_score":-0.7117681503295898},{"text":"The soil is another condition where you can farm. The exception to this extended land use test is that the land is is that if the land has no scope or limited potential to you to earn income, it can still satisfy the test as long as it isn't being produced as a or used as a commercial property in any way, shape, or form. So it all comes down to is the land over that two hectares being used for the purpose that it is able to be used for? Is it being used in yeah. If it could be farmed, is it being used to to farm?","start_word":2227,"end_word":2335,"sentiment":"neutral","sentiment_score":-0.004374745301902294},{"text":"If it can't be farmed, then you can't use it for that practicality.","start_word":2336,"end_word":2348,"sentiment":"negative","sentiment_score":-0.43945813179016113},{"text":"So they can still assess it that way.","start_word":2349,"end_word":2356,"sentiment":"neutral","sentiment_score":-0.05684562027454376},{"text":"And when I've kinda gone back and looked at everything, the land over the two hectares is technically not usable as a income producing purpose.","start_word":2357,"end_word":2381,"sentiment":"negative","sentiment_score":-0.3447500169277191},{"text":"Therefore, it should absolutely be completely exempt for Centrelink purposes, and under their rules, it can be. So I've assessed it to be that to be completely exempt for you. We are obviously waiting for them to complete the assessment, and if they come back and say, hey. We don't believe so, I would suggest that you guys ask them on what grounds, on what basis, and what have they done to show that. Because, Mhmm.","start_word":2382,"end_word":2457,"sentiment":"neutral","sentiment_score":-0.18730272352695465},{"text":"realistically, if you can't use the land as farming, if it's not viable for primary production or for farming, then you can't use it for that purpose.","start_word":2458,"end_word":2484,"sentiment":"negative","sentiment_score":-0.488823264837265},{"text":"So it realistically should still be considered a fully exempt asset for you on that basis, but it also comes down to what Centrelink say, and I've seen some of them come back and have some really strange reasons for it. So if at any point they come back and say it's not fully exempt, can you find out the reason why, Yes. what they've done, and how, and then come back to me? I can always go back and reevaluate things if they are assessing some of the land as an asset. But, theoretically, based on everything I've looked at and their own rules, your whole property should be fully exempt. Okay? Yeah. Yeah. Yeah.","start_word":2485,"end_word":2600,"sentiment":"neutral","sentiment_score":-0.15557125278202624},{"text":"Perfect.","start_word":2601,"end_word":2601,"sentiment":"positive","sentiment_score":0.503226637840271},{"text":"And in the advice document, I've actually got snippets there and also in the appendices snippets from their ruling for you to show you exactly how they're assessing that under the extended land use test. Okay? Yep.","start_word":2602,"end_word":2638,"sentiment":"neutral","sentiment_score":0.1442584991455078},{"text":"Beautiful. It's a very broad statement they make, honestly. Make effective use of the property.","start_word":2639,"end_word":2653,"sentiment":"positive","sentiment_score":0.4928811490535736},{"text":"Well, the property Yeah. can't be used for farming, so therefore, it's used effectively. Yeah. Yeah. All good. So, theoretically, I know one of the things that was made mentioned to you when you spoke to Maddie the other day, someone at Centrelink have made mention about drawing some money out and possibly putting that in your super, Camilla.","start_word":2654,"end_word":2712,"sentiment":"neutral","sentiment_score":-0.06733395904302597},{"text":"That is something I have assessed. It is really honestly not worth doing at the moment.","start_word":2713,"end_word":2728,"sentiment":"negative","sentiment_score":-0.6283903121948242},{"text":"Yes. If there is any change to the Centrelink assessment, then we can absolutely look at doing that. But to do that, I would want to make sure that I'm assessing your super as well, looking at how it's invested, whether the money being deposited make you know, what kind of caps it meets for you, how it's best to be deposited, and how that looks long term for you both as well. Because the main sort of thing the main advantage to moving solely into the age pension side of things so in super in the accumulation stage at the moment, any income or capital gains that your super is making is actually being taxed at 15%. Neil, by you actually moving wholly into the pension phase, moving all your funds into there, there's no income or capital gains tax applicable to your funds. So all of your money is sitting in that pension phase. It's still working and growing, producing income and growth, and it's not paying any income or CDT tax. So that phase is completely tax free as well as the the drawdowns being tax free for you. Does that make sense? Yeah. Yeah. I didn't think I didn't know that stuff like that Yeah. happened. It's tax you on everything. Yeah. No. Not in pension phase.","start_word":2729,"end_word":2949,"sentiment":"neutral","sentiment_score":0.07326919784373288},{"text":"You're in the coolest phase of life.","start_word":2950,"end_word":2956,"sentiment":"positive","sentiment_score":0.3741772472858429},{"text":"So, look, the first other recommendation that is that we do, we move you into the hub twenty four pension account.","start_word":2957,"end_word":2977,"sentiment":"neutral","sentiment_score":0.30815786123275757},{"text":"It's a full account based pension there, and it's it's a very easy transfer. Everything is in specie transferred across. We just get you to sign the form, get your bank information, and we do all that process there for you. It's a straight transfer, and it happens very quickly for you.","start_word":2978,"end_word":3029,"sentiment":"positive","sentiment_score":0.4797247350215912},{"text":"Okay? Yep. Once we've done that, if you scroll further on down there for me to page number 19, you'll have the stage two. This is where we're gonna start by drawing a lump sum drawdown from your pension account of 87,000. So, essentially, with the statement you provided from the bank, you owe just over 86,000 on the mortgage there. I've just rounded it up to 87,000 just to make sure we're covering any differences. Because when you think about mortgages, interest is calculated daily and charged monthly. So the payout figure they give you can change on a regular basis. So I just sort of when I looked at things, my let's just round it up to 87,000, a nice rounded figure there for you. It gives you a bit of a buffer in case there's some additional interest somewhere that they haven't accounted for.","start_word":3030,"end_word":3176,"sentiment":"neutral","sentiment_score":0.2172076404094696},{"text":"And then it also just gives you a small buffer, a a few x you know, a couple extra $100 just to sort of have sitting aside to go out and enjoy yourself or to put, you know, in a in an account somewhere.","start_word":3177,"end_word":3220,"sentiment":"positive","sentiment_score":0.4169173836708069},{"text":"So I've just kind of rounded that figure up for you, but the reason we're moving into pension phase first is because, a, your income payments are drawn down completely tax free, but there's no income or CDT tax in pension phase.","start_word":3221,"end_word":3262,"sentiment":"neutral","sentiment_score":0.2306497693061829},{"text":"So by moving into pension phase first and then drawing down from the pension of the 87,000, Yes.","start_word":3263,"end_word":3280,"sentiment":"positive","sentiment_score":0.3437137007713318},{"text":"your fund will have no tax consequences for selling down the investments. Whereas if we held you in the accumulation phase first and then completed the sell down, your fund would have to account for capital gains tax at 10 to 15% and or income tax at 15% there as well. So it works out to your benefit to move in the pension phase and then complete that drawdown. Does that make sense?","start_word":3281,"end_word":3353,"sentiment":"neutral","sentiment_score":0.046871995231637424},{"text":"Absolutely. Thank you. Yep. Perfect. That's okay.","start_word":3354,"end_word":3360,"sentiment":"positive","sentiment_score":0.460341215133667},{"text":"So that'll be drawn down to your bank account, and then you can move the funds across, and then you'll be able to pay out your mortgage there. These Mhmm.","start_word":3361,"end_word":3390,"sentiment":"neutral","sentiment_score":0.28078100085258484},{"text":"recommendations are in your best interest because it is a more tax effective way for you. As I mentioned, there's no income or CD tax in that pension phase, and it's very easy to have the lump sum drawn down nice and quickly for you as well.","start_word":3391,"end_word":3437,"sentiment":"positive","sentiment_score":0.4566645920276642},{"text":"Okay? Yep. Yep.","start_word":3438,"end_word":3440,"sentiment":"neutral","sentiment_score":0.21665716171264648},{"text":"Excellent.","start_word":3441,"end_word":3441,"sentiment":"positive","sentiment_score":0.5736638307571411},{"text":"If you go down to page number 23 for me, we have stage three for you. Now this is essentially what we wanna do with regard to an investment switch.","start_word":3442,"end_word":3471,"sentiment":"neutral","sentiment_score":0.1677853763103485},{"text":"So once we've completed that drawdown of the of the funds for you to pay out your mortgage, which will leave you both completely debt free, which is fantastic, we're gonna also do a bit of an investment switch here.","start_word":3472,"end_word":3511,"sentiment":"positive","sentiment_score":0.3845164179801941},{"text":"Essentially, I had a really good look at your investments at the way you were invested. We did talk about just maybe reducing the risk level a little bit and making sure you're in that balanced kind of environment, which is generally where you see about 60% of your super invested in growth assets, things like Australian shares, international shares, listed property, commodities like gold and silver, and then just increasing some of those defensive lower risk investments like cash and bonds and fixed interest to make sure that you're taking less risk in the market.","start_word":3512,"end_word":3607,"sentiment":"neutral","sentiment_score":0.2225468009710312},{"text":"The idea and the goal here is to provide longevity out of your super to supplement the age pension eligibility and to make sure that you can, you know, suffice or live in the retirement years for the next sort of ten to twenty to thirty to forty years, and longevity becomes really important here.","start_word":3608,"end_word":3662,"sentiment":"positive","sentiment_score":0.34558922052383423},{"text":"So taking less risk in the market and not seeing such drastic ups and downs in your super balance is where we kind of end up in this this stage of life. Does that make sense? Yeah. So this here, Yeah. where it says retain your HUB24 Superfund, it's actually the the pension phase of the Superfund, though, It isn't is. it talking Yeah. about? It's a soup it's a super pension, essentially. Yeah. So it's Yeah. just the wording that they have in the Yep. template there. I do apologize Yep. that, but you'll be Right. in the pension phase first. Sorry. Yeah. No. Not at all. Not at all. Just making That's sure okay. on the right page.","start_word":3663,"end_word":3782,"sentiment":"neutral","sentiment_score":0.06161513861346369},{"text":"Absolutely. Absolutely. All good.","start_word":3783,"end_word":3786,"sentiment":"positive","sentiment_score":0.42087653279304504},{"text":"So that's essentially underneath the outlining the best interest, Judy, the recommendations around the advantages, disadvantages, and the risk of that strategy there. If you scroll down a little bit further for me to page number 30, I'll show you what changes we're gonna make to the investments just so you can see all of that. Yep. I'm there.","start_word":3787,"end_word":3845,"sentiment":"neutral","sentiment_score":0.08707253634929657},{"text":"Beautiful. Beautiful.","start_word":3846,"end_word":3847,"sentiment":"positive","sentiment_score":0.5377297401428223},{"text":"So this is essentially the investments that you do have in there. So you've got well, what what we're going to do sorry. And the red is what gonna be selling off, and the green is what we're gonna be purchasing into. So we are gonna be selling down the battery and lithium tax, selling down the ban along Australian equities, which is the one that's been underperforming a little bit there as well. We'll also be selling down the bank hybrids. They are actually being phased out as an investment in the future, so removing those whilst we are making changes of portfolio and distributing the funds now is a good idea. Best to do it now while we have the option to do it rather than down the track when we have no choice and have to do it quickly for you. Mhmm. So selling off all the bank hybrids there.","start_word":3848,"end_word":4000,"sentiment":"neutral","sentiment_score":0.02730372734367847},{"text":"Physical gold is a great investment.","start_word":4001,"end_word":4006,"sentiment":"positive","sentiment_score":0.38436436653137207},{"text":"We're just rebalancing it for you. So you are a bit you've got a 9% at the moment. We do wanna hold 10% of your total balance there. But when we Mhmm. look at the amount you hold now compared to what we need to have in your total balance, we just need to sell off a little bit of that as well. And we're also selling some of that down to withdraw the 87,000 for you. Mhmm. With the core composite bonds, because we are getting rid of the bank hybrids, we wanna make sure and increase those defensive lower risk investments, and core composite bonds are essentially that. Bonds are more of an income producing lower risk investment. They do tend to get a lower rate of return, but they don't fluctuate. They don't go up and down as drastically like shares do. So we Yes. do wanna increase exposure into these lower risk investments like just like bonds. So putting 25% of your funds into this sort of investment here. We are still holding the S and P 500, so exposure into The US is still really important.","start_word":4007,"end_word":4197,"sentiment":"neutral","sentiment_score":0.14629041270903892},{"text":"And you do wanna have some growth investments in your soup in your super in your pension anyway.","start_word":4198,"end_word":4215,"sentiment":"positive","sentiment_score":0.3351002037525177},{"text":"Even when we are taking lower risk, having some growth investments is still really important for Yes.","start_word":4216,"end_word":4232,"sentiment":"neutral","sentiment_score":0.2276645451784134},{"text":"getting some good higher returns and providing longevity.","start_word":4233,"end_word":4240,"sentiment":"positive","sentiment_score":0.5917893648147583},{"text":"So we are gonna keep the S and P 500, but we're just gonna sell some of it off and rebalance that reduce your risk in that and also selling some of that to be able to draw down the 87,000 for you as well. Okay? Yep. The beta shares Rafi 200, we're gonna sell that down completely, remove that out of the portfolio, and also removing all the infrastructure there as well. Where we are gonna see your funds invested, so, essentially, what you'll see once we've completed the rebalance and altered the investments, you'll still have about 10% physical gold. We'll have 25% in the core composite funds. We're gonna retain 22% of the s and p 500, so The US exposure. We're also gonna have some cybersecurity, so some global cybersecurity, which is diversifying, giving you access to cybersecurity country across the globe, all over the world. We're also gonna keep some European exposure, and that's into all the European countries, not just one, two, or three.","start_word":4241,"end_word":4410,"sentiment":"neutral","sentiment_score":0.22586823999881744},{"text":"So, again, looking at diversification for lowering risk, but also looking for some growth in those areas.","start_word":4411,"end_word":4427,"sentiment":"positive","sentiment_score":0.35337159037590027},{"text":"The Vanguard or WorldX US, that's essentially looking at investing across every country except for The US, and that's because we have the S and P 500 above there. And, again, it's diversification. So one of the best best ways to mitigate long term market risk is to diversify. Make sure you're spreading your risk across lots of different countries, asset classes, across those growth and defensive assets there.","start_word":4428,"end_word":4496,"sentiment":"neutral","sentiment_score":0.20454448461532593},{"text":"So this Vanguard index fund is essentially looking to do that, and we'll hold about 6% of that for you as well.","start_word":4497,"end_word":4518,"sentiment":"positive","sentiment_score":0.41080811619758606},{"text":"Yep. It's important to have some Australian exposure, and that's what the BetaShares Australian 200 is. That's essentially giving you exposure to the top 200 companies on the ASX. And one of the things I do like about these sorts of index investments is that they're tracking in indices. So one of the things that I like to make sure we're doing or is really good to do is that with the a 200 and even the S and P 500, you're tracking those indexes with the top 200 or the top 500 companies on The US and the Australian market there. In order for companies to be inside the indices that this investment is tracking, they have to meet a criteria. So say if a company on the ASX didn't meet the criteria to be in the a 200, it would be removed out of the industry and therefore removed out of the investment that you're invested in as well and replaced with something else that does meet that criteria. So you can Okay. rest assured that you are always invested in the top 200 companies with the a 200, and the same goes with the S and P 500. It tracks the S and P 500 index. And, essentially, in order to be in that index, you have to meet a certain criteria. So companies that don't meet the criteria, whenever the investment committee for the indices meets, which at the moment is every quarter, companies are removed out of the index and therefore moved out of the S and P 500 investment as well. So it's good to know that companies that aren't performing that don't meet those criterias don't stay in those investments, and they're replaced with companies that do. So you are always tracking the top 500 companies on the a with the S and P 500. And with the a 200, you're always tracking the top 200 companies on the ASX as well. Does that make sense? Yep. Yep. Sure.","start_word":4519,"end_word":4854,"sentiment":"neutral","sentiment_score":0.030877440935000777},{"text":"Yeah. Beautiful.","start_word":4855,"end_word":4856,"sentiment":"positive","sentiment_score":0.5487873554229736},{"text":"And then the last one at the bottom there is the beta shares high interest cash account. So this is looking at fixed interest cash accounts, trying to get the best returns on the market for you. Essentially, again, it's important to have this as more of a defensive lower risk investment. High interest cash accounts, bonds, and fixed interest, they are lower risk. They do tend to get a lower rate of return, but when we are taking less risk in the market, it's, again, it's about longevity and income producing. One of the big important factors of this stage of your life there is that you're going into those retirement years, so we are drawing income out of your pension account. And because there's no tax consequences in this phase of life for you with regard to your pension account, we can then be making more in the way of income because there's no income tax to be made. And the income that's generated by the portfolio helps to draw down your regular pension payments for you so that you're hopefully taking less out of your capital. Does that make sense? Yeah. Yeah. Thank you. Yeah. Do you have any questions so far either of you? No. No. All good. All good. The next page just outlines the amount of cash that we do need to hold. So within hub twenty four, we do have to hold a minimum of 1.25% cash. This shows that at the moment, your cash holding is a little bit higher than that, so we will just invest a bit over a thousand dollars there to make sure your cash holding remains at 1.25%, Mhmm. keeping as much money as we can invested into those investments working harder Yeah. for you. Okay? Perfect. So sorry. My throat's a little bit sore today, so I'm just having a quick drink. I apologize. Yeah. No. No. I hear you good. All good. You're right. Neil, did you wanna ask a question? Or No. No. All good. No. All good. Perfect. So, essentially, where we are at the moment with the recommendations of stage one, two, and three, they will start by moving you into the pension phase, Then we'll draw down that 87,000 so you can pay off the mortgage, and then we're gonna do an investment switch there for you as well, which is also lowering your risk level and changing your investments so that things are working harder for you. Okay? Yep. Yeah. On page number 35, you've got your fourth stage of the plan, and this is essentially where the draw downs and the age pension side of things comes into account. So you've sent your application off for the age pension, essentially. We're just now waiting for that to be, essentially accepted and for that to go into play and for them to assess that. It can take up to thirteen weeks if everything is in line. If they don't require anything additional, I have seen it take a little bit longer essentially as well. So what I'm recommending with this stage is once we've done we've moved you into pension. We've drawn down the 87,000 for you. We've done we're doing the investments which as well, but we're also gonna set up a regular pension payment for you.","start_word":4857,"end_word":5414,"sentiment":"neutral","sentiment_score":0.12869308352149944},{"text":"Now you guys filled out the budget plan, and thank you so much for doing that. I went back and entered all the information through and had a really good look.","start_word":5415,"end_word":5445,"sentiment":"positive","sentiment_score":0.6017831563949585},{"text":"And in order for you to survive, you need to live on about $868 per week to cover all of your expenditure. And that's not including, Camilla, your income. So I've separated your your income away from this. So your income provides just a buffer additional funds Yep. and a little bit extra for you guys as well as we discussed. Okay? So once we open the pension account, we'll set your pension up. And look, this won't happen in this order. We'll essentially open the pension account up. We'll tell them how much Good.","start_word":5446,"end_word":5540,"sentiment":"neutral","sentiment_score":0.08289092779159546},{"text":"to start drawing down, and these pension payments will start very quickly for you as well.","start_word":5541,"end_word":5556,"sentiment":"positive","sentiment_score":0.514658510684967},{"text":"We won't make you wait till after the draw downs or anything like that.","start_word":5557,"end_word":5570,"sentiment":"neutral","sentiment_score":0.183667853474617},{"text":"It's just the way we've set it out in the plan to make it a bit clearer for you.","start_word":5571,"end_word":5589,"sentiment":"positive","sentiment_score":0.3508288562297821},{"text":"Okay? Yeah.","start_word":5590,"end_word":5591,"sentiment":"neutral","sentiment_score":0.2257320135831833},{"text":"Yeah. All good.","start_word":5592,"end_word":5594,"sentiment":"positive","sentiment_score":0.6263809204101562},{"text":"So, essentially, to start with, we're gonna draw down the full $868 on a weekly basis or essentially per fortnight if you prefer. Fortnightly, it's $17.36 and 1<unk> there. Essentially, that will give you the regular drawdown out of your pension account to cover all of your expenditure, and then it leaves your additional income there, Camilla, for additional expenditures, holidays, savings, whatever it is that you guys might wanna spend that money on for you. And Neil's pension payments paid down regularly will cover your base expenditure. Okay? Yes.","start_word":5595,"end_word":5685,"sentiment":"neutral","sentiment_score":0.16414007544517517},{"text":"Yep. We'll start these draw downs as soon as absolutely possible.","start_word":5686,"end_word":5696,"sentiment":"positive","sentiment_score":0.3404320776462555},{"text":"We'll get your bank details and start them straight away for you. And then once your Centrelink has been assessed, we'll start to just pull them back a little bit. So I went back and I looked at how you had filled out the application form, and I had a look at the assessment. I did the math equation on both the income and the assets test for you. What I've essentially worked out is that you're actually probably gonna be assessed under the assets test that showed to provide a lower payment. So, essentially, they're gonna pick the one that gives you the lower the lower payment, which from my which from my calculations is the assets test. To Yeah. kinda give you an idea on how we work this out and how the math equation works, and in the appendix which you'll have attached there, you can actually open that up and see. I've set it out bit by bit for you. But how the income test and the asset test is essentially assessed, Income test first for you is that they take your your fortnightly income, Camilla. That is set to one five for the moment. They then look at your financial assets. The financial assets for yourselves are the shares that you do hold with AMP, the funds in your bank account there, and also your super. I've assessed your super balance after the 87,000 drawdown for you as well. So it's actually gonna be a less of a super balance than what you've declared them currently. But they essentially look at this and these assets are deemed. So they're not gonna look and assess at the $800 that you're drawing down out of the pension account on a weekly basis. They're deeming a certain rate of return that your investments can receive. Because you're a couple, they deem the first 106,200 of your financial assets at a rate of 1.25%, and then everything over that is deemed at 3.25. So I took your initial your balance after we take your current balance now, subtract out the 87,000. We end up with a balance owing of about 690,005 oh, sorry. No. $6.06 my apologies. I'm looking at the wrong page. We have a balance of $6.06 $67.09 $9.07 after we take out the 87,000. So it's taking your current super balance, subtracting 87,000, and then adding that balance to your other financial assets, so your shares, your bank accounts. We ended up with 690,598 and 60<unk>. We then subtract off the deeming amount there, the 106,200. We apply the 1.25%, and then anything over that, which worked out to be a 584,398 is being the 3.25%. And that tells us how much income that Centrelink will assess you under the income test. We add that to, Camilla, your fortnightly income, Yeah. convert it all to a fortnightly amount, and then Yep. subtract that from the the maximum you're able to earn, which is $380 on a fortnightly basis. And then we take the amount the amount over the $3.80. We take that away from the full pension payment of $905.20 per fortnight, and that essentially gives us the total amount that you're able to receive for the income test, which essentially is about a $187.93 per fortnight. So it gives you a part pension, and it's estimated that you'll be able to receive a $187.93 per fortnight from the age pension, which gives you access to the pension card and all the additional benefits with that. Okay? Yep. Yeah.","start_word":5697,"end_word":6290,"sentiment":"neutral","sentiment_score":0.05913885379279101},{"text":"It's a lot. I'm sorry.","start_word":6290,"end_word":6295,"sentiment":"negative","sentiment_score":-0.33637404441833496},{"text":"No. It's okay. I'll be doing I guess tonight. But yeah. It is a lot. It is a lot. We've stepped it out bit by bit for you there. Yep. In Yep. order to look at the assets test, essentially, they look at the total asset value, your super balance, the bank account balances, your shares. They also take into account the two vehicles and your contents there as well. Yeah. Your income is not assessed under the assets test. They essentially add all of that together, and then Yes. they subtract that away from the minimum threshold, which is currently 481,500. That gives them a total of how much is over the minimum threshold. Under the assets test, essentially, for every 1,000 over the minimum threshold, we lose about $78 per year, which is $3 per week. So we take that amount. We divide that by a thousand, then we multiply that by three, and that gives us how much you lose. We subtract that from the total full pension amount, and that leaves you with how much you would be estimated to receive. Under the assets test, you were oh, sorry. Under the sorry.","start_word":6295,"end_word":6489,"sentiment":"neutral","sentiment_score":0.025976874182621637},{"text":"My computer just froze on me.","start_word":6490,"end_word":6495,"sentiment":"negative","sentiment_score":-0.4322660267353058},{"text":"Oh, no. Under the assets test, you were able to receive about a hunt $187.93. Under the income test, you were actually eligible for about 329. So because the assets test provides you with a lower rate of pension payment, that's the one they're probably gonna go with. Okay?","start_word":6496,"end_word":6544,"sentiment":"neutral","sentiment_score":0.06355393677949905},{"text":"Beautiful. All good.","start_word":6545,"end_word":6547,"sentiment":"positive","sentiment_score":0.49662309885025024},{"text":"It's a lot. I know that, and I'm so sorry. Yeah. It's all the work.","start_word":6548,"end_word":6562,"sentiment":"neutral","sentiment_score":0.05425750091671944},{"text":"We've just got You've done amazing. Thank you.","start_word":6563,"end_word":6570,"sentiment":"positive","sentiment_score":0.4197303354740143},{"text":"Oh, that's okay. I try to sort of give you a bit of context on how we get to the figures that we do, but Yeah. it is a lot to go through. It is not easy. And, look, I always kind of make sure I let you know that I do this manually. Centrelink Yes. don't do this manually. They input everything into a computer, and a computer tells them how to you know, what's gonna happen, which is kind of interesting because I did this in less than thirteen weeks. So you think a computer should be able to do their assessment less than thirteen weeks too. But Yeah. but yeah. So they assess you under both those tests. As I kinda mentioned, the asset test is the one that provides you with the lower payment, so that's the one they're going to probably assess you under. Yeah. It's it's kind of interesting. You would think that they're gonna assess you under the income test because you're getting still income regularly, but it doesn't tend to work that way. I did look at, obviously, looking at maybe sheltering a bit more money and putting some more money, say, into your account, Camilla, or putting some money into other areas. I discounted that solely because to start with, this assessment is still giving you a part pension. Yes. So long as the the house is fully exempt, it's still giving you a part pension entitlement. And, Camilla, you're 60, so you've still got quite a bit of time ahead of you there. And your super is not assessable by Centrelink until you reach the age of 67. Yes. So depending on how things track down the down the road, we are going to have to down the track look at sheltering money in other ways. Yes. And there are ways of sheltering, but sheltering now means we are locking the funds away. So if we were to move the funds from Neil's super into yours because you're still working, there are limitations around accessibility. So we'd be locking it away till you turn 65 unless Yes. you were to stop working. If we were to look at things like funeral bonds or annuities, which also are great for Centrelink sheltering, we would be locking the funds away. So we're better off to do that down the track when we are assessing you both as a unit and when your super then becomes accessible to, you know, look at how to maximize things down the track for you. And Yes. for now, just starting off simple, moving into pension, paying down the mortgage, getting a part pension to start with, and then just making sure that you're you're covering your weekly expenditure. You've got your income as a separate amount Yes. for the buffer, but also Yes. making sure that if you need large sums of money, you know, we still have bills coming in. There's still rates to pay. You might want holidays or might wanna buy a new car or something down the track. That Yes. keeping Neil's Neil's super working allows you guys to draw down, you know, additional lump sums if you need them as well, whereas moving that money back reduces how much is in his pension working harder. Yes. And that also then means that if you take lump sums down the track, it provides more of a disadvantage. We're taking more chunks out of the super, which reduces longevity of it. So I wanted to just look at getting a part pension now, Yep. give you guys the access to the pension, but also making sure that that you have access to additional funds when you need them because things can come up, life can change, and Neil's sleep is where you'll be able to take that money from. So, Yep. Yep. Yep. No.","start_word":6571,"end_word":7221,"sentiment":"neutral","sentiment_score":0.026224656156428765},{"text":"That's good. Thanks, Dana.","start_word":7222,"end_word":7225,"sentiment":"positive","sentiment_score":0.42345163226127625},{"text":"yep, that's okay. So with this to start with, we'll be drawing out the $6.86 on a weekly basis there or the 7 $17.36 per fortnight. It's completely up to you how you want it weekly or fortnightly. We can work it either way within the pension fund for you. Yep. Once the Centrelink assessment comes through, essentially, we wanna just reduce that back a little bit. So by being under the assets test and getting the $1.87 93 per fortnight from Centrelink, we can then reduce your pension payments out of your pension account to $7.74 and 4<unk>. That still gives you the fortnightly income amount of the $17.36. It just means you draw a little bit less out of super, which provides a bit more longevity to your super there. Okay? Yeah. Yeah. Yeah.","start_word":7226,"end_word":7363,"sentiment":"neutral","sentiment_score":0.1278473734855652},{"text":"Beautiful.","start_word":7363,"end_word":7364,"sentiment":"positive","sentiment_score":0.5235512256622314},{"text":"This is a lot, and I understand that. Do you guys have any questions for me at the moment? Did you wanna break me to break anything more down for you? No. No. No. That Everything's clear as well. Yep. Yeah.","start_word":7364,"end_word":7405,"sentiment":"neutral","sentiment_score":0.0852007046341896},{"text":"That's all good.","start_word":7405,"end_word":7408,"sentiment":"positive","sentiment_score":0.4142456948757171},{"text":"As I said, after this, you'll take you can take some time to read through the advice document, read through the appendices, come back, and let me know if you do have any questions. I've outlined all the math for you, laid it down, added all the research information for you, and just let me know if there are any additional questions or if there's anything that you do wanna look at changing. If Yes. it comes back in Centrelink assessing slightly differently, that's absolutely okay. We can adjust the pension payments to, you know, coordinate, Yes. and we can also if they come back and jump up and down about the main primary residence exemption, then we can always look at sheltering money or look at altering the plan. So moving forward with this advice does not in any way, shape, or form restrict us from to making change to that at any point in time. The advice is very liquid. It can be altered and changed as we need to. Okay? Yep. Yep.","start_word":7407,"end_word":7581,"sentiment":"neutral","sentiment_score":0.10883687436580658},{"text":"Perfect. Perfect. Perfect. Excellent.","start_word":7582,"end_word":7585,"sentiment":"positive","sentiment_score":0.5498380064964294},{"text":"That's essentially Yeah. the bulk of the advice for you. I won't go through too many more numbers. You probably both it's still early there. You're probably both hanging out for a a Yeah. And so far this morning. coffee. And then and then I'll try numbers at you both. The other thing we do wanna look at is the the beneficiary side of things. So, Neil, because we are opening up a pension account for you, you have your beneficiary nomination, your super. We need to make sure one is applied to the pension account as well. I'm recommending that we actually apply a reversionary beneficiary for you. So it's a bit different to the way a normal beneficiary works. Normally, you have what's called a binding lapsing or a binding non lapsing beneficiary. That essentially, in the event of you passing, means that your spouse needs to go through a claim. In pension phase, we get access to some cooler beneficiary nominations. Sorry. I'm definitely an adviser. I do apologize. It's cool to me. With a reversionary beneficiary, they're only available in pension account, and it can only be paid to your spouse. And it means that if anything happens, once you're in pension phase with your pension being paid down, if you were to pass away, your pension payments would continue to be paid to Camilla with no stopping. Under Yes. a normal, beneficiary nomination, whether it be binding or nonbinding, the pension payments after your passing would essentially stop, and, Camilla, you would have to claim on the on the super or the pension account and have that transferred into your name. With a yeah. With a reversionary beneficiary, if you're getting that $868 or the $7.74 on a regular weekly basis and Neil was to pass away, those pension payments just continue. They're still doing all the claiming the back end, but it means that you don't miss out on those additional funds, which because you still have, you know, your expenditure, you've got life and fuel and groceries and everything else Yes. that goes into that. Just because one person passes away, doesn't mean your bills stop at the same time.","start_word":7586,"end_word":7952,"sentiment":"neutral","sentiment_score":0.10006553895913611},{"text":"So it does allow you to continue to receive that, pension payment on a regular basis.","start_word":7953,"end_word":7968,"sentiment":"positive","sentiment_score":0.5134516358375549},{"text":"It doesn't stop in any way, and they still just go through the claims process in the background whilst they transfer everything into your name.","start_word":7969,"end_word":7993,"sentiment":"neutral","sentiment_score":0.2651965916156769},{"text":"So Yes. it's a really cool way of just making sure that everything is, you know, dotted, that you're still able to access those funds when needed, and Yes. making sure that you're supported even through the time.","start_word":7994,"end_word":8031,"sentiment":"positive","sentiment_score":0.5916264653205872},{"text":"And sometimes it's the most expensive time I do know going through. I mean, I'm 41 now, so, unfortunately, I'm at the point where a lot of people I've known for years and years are at that passing stage and, unfortunately, going to a lot of funerals at the moment. So, Yes. you know, it is it is something you think about. And families actually find it's a lot more expensive at the time people are coming in. You've got expenditure. You might be taking time off work, Yes. and you're buying food and paying for everything for the funeral and things like that. So it can be more of an expensive time frame. So continuing those pension payments there just protects you and looks after you whilst you're going through that time. In saying that, Neil, I hope nothing happens.","start_word":8032,"end_word":8172,"sentiment":"neutral","sentiment_score":-0.16360766033754282},{"text":"I'm touching all the wood possible. I want you to live and enjoy the next thirty to forty years of your retirement. Okay? Beautiful. Beautiful.","start_word":8173,"end_word":8197,"sentiment":"positive","sentiment_score":0.5835245847702026},{"text":"But, look, that's essentially all the stages of the advice there. I the Yeah. only other thing I need to point out to you, Neil, is that you do pay an ongoing service fee for having us as your advisers. You pay 1.65% per annum. Yes. Yes. That is capped at balance of those 600,000. So it's capped at 9,900. We don't charge 1.65% of anything over above that 600,000 balance, so it is capped for you. Yes. Camilla, down the track, if you decide Yep. you want me to look at your super, look at doing joint advice and, you know, helping you along, we absolutely Yep. can do so. If you decide to come on as a client, we do reduce Neil's fee to 1.1% ongoing, and yours is also of that reflection. We join Yes. couples together and have a coupling fee. There is an implementation fee for doing that, but we can kinda go through that in a bit more detail when and if you're ready to do so. I don't want ever want anyone to feel pushed or rushed Yeah. into things. Yeah. Advice No. is No. a personal decision. So I was like yeah. I've been Yeah. thinking about it, and I've just I think if we just get Neil's Absolutely. shit sorted, then we can look at mine once this is all all sorted. Yeah. Absolutely. Yep. Yep.","start_word":8198,"end_word":8432,"sentiment":"neutral","sentiment_score":0.04078768193721771},{"text":"Perfect. I definitely agree with that. That's absolutely fine.","start_word":8433,"end_word":8441,"sentiment":"positive","sentiment_score":0.5366384387016296},{"text":"And I'm here to always have a conversation Yes. with you If you wanna start by just talking to me about what you're after, what you want, and we can have a general conversation, then we can kinda go from there. But, yeah, when you're ready, you let me know. I'll Yes. make time to have a chat.","start_word":8442,"end_word":8499,"sentiment":"neutral","sentiment_score":0.215982049703598},{"text":"Cool. As I said, I love this. I'm probably the happiest person on the planet talk about beneficiary nominations and super and pension and do math equations. Yes. So more than happy to help you whenever you need, but I really enjoyed putting this advice together.","start_word":8500,"end_word":8545,"sentiment":"positive","sentiment_score":0.5835590738317241},{"text":"I do apologize that I had to push it back a week to make sure the research was done correctly. But oh, it's all good.","start_word":8546,"end_word":8570,"sentiment":"neutral","sentiment_score":-0.005551157519221306},{"text":"But, no, thank you for getting everything correlated. You did amazing in amongst going to jury duty.","start_word":8571,"end_word":8587,"sentiment":"positive","sentiment_score":0.522723376750946},{"text":"I tell you what. I understand. Yeah.","start_word":8588,"end_word":8594,"sentiment":"neutral","sentiment_score":0.12906014919281006},{"text":"It was it was fun.","start_word":8595,"end_word":8599,"sentiment":"positive","sentiment_score":0.4139338433742523},{"text":"Centrelink. I had to go Yeah. in just taking the forms off me. I was trying Yeah. to get down at the front. Get caught up. No. Oh, no. You need to go at the back. So I just had this about there for an hour and a half to give you these forms. Wow. Yeah. It's it's just really time consuming going into that. It is. 4p, you know. Why not? And then she said, oh, because of your super in your bank. And I said, well, I've worked at fifty two years. Yeah. No. But that doesn't it doesn't work. I've got tax. Dana, Yeah. what do we do now? So we yeah. We'll have a we'll have a read through where Yep. do we find where we have to or where Neil has to rather sign to get this all started. Yeah. So on the very last page of that email, you'll have a little Yep. sign box. Neil Yep. just needs to click and sign that, return it back to us. Yep. I'll then get the admin team to give him a call, get his bank information, and Yep. we'll go forward and start opening the account and getting it all sorted. One of the things I did wanna sort of point out as well is when I've done the calculations, you'll notice in the appendices, I've used different figures to what you've actually got there. So it's about once we get the pension account opened, we get the drawdown done, your balance in Super will also be different. So it's about updating Centrelink with the the Super balance after you've drawn that 87,000 out. Yep. We will need to make sure the shares are noted there as well. Yep. But just making sure the figures are essentially in line with what we have here to get the assessment. Because at the moment, your super balance is higher than what we have noted, so the assessment could be quite different to start with. But Yes. once we start things once I've assessed everything, we can go back and make alterations to everything. Yes.","start_word":8600,"end_word":8956,"sentiment":"neutral","sentiment_score":0.016010850774912107},{"text":"But, yeah, making sure that we update them with your super balance to show that the assessment is correct, the shares get added there for you, and we'll make sure that drawdown for the 87,000 happens nice and quickly because that shelters that money fast.","start_word":8957,"end_word":9001,"sentiment":"positive","sentiment_score":0.36482396721839905},{"text":"And they're gonna Yep. wanna see if your super balance has dropped where the money's gone to and why it's come out, and you paid off your mortgage. So you they'll ask the bank statements to show where that transaction has gone to. Yep. Okay? Yep. Yep. Alright. So Yeah. Okay. so, essentially, just signing on the bottom of that page 55 Yep. covers putting all the above steps in place? That's correct. That is that's you accepting all of the recommendations. Yep. If you decide there's something you wanna alter or change, there is a text box for you to write in. But, yeah, if Yep. you're happy to to sign on the bottom line, accept all the recommendations, and have it all put into place, we'll just Yep. get you to sign, date, return it back to me. And I've attached all those documents to the email as an attachment so you can save them down, and you can also look at them again a bit later. It's got Yes. the statement of advice for you, the Yeah. appendices, the financial services guide for us for your reference as well, and any PDF documents for hub twenty four on their pension accounts for you as well. Okay? Yep.","start_word":9002,"end_word":9211,"sentiment":"neutral","sentiment_score":0.13047708570957184},{"text":"Perfect, Dana. Thank Excellent. you.","start_word":9212,"end_word":9216,"sentiment":"positive","sentiment_score":0.6356697082519531},{"text":"That's okay. Do either of you have any questions at the moment? No. No. Sorry. I think we'll just have a bit of a read through all of this, Absolutely. and I'll get Neil to to sign and return it to you ASAP.","start_word":9217,"end_word":9259,"sentiment":"neutral","sentiment_score":0.1780227247712224},{"text":"Perfect. Beautiful. Thank you so much for your time today. I'll let you both go to have a nice morning coffee. Thank you for taking my call.","start_word":9260,"end_word":9286,"sentiment":"positive","sentiment_score":0.7189579606056213},{"text":"I'm sorry. It's so early. Okay.","start_word":9287,"end_word":9292,"sentiment":"neutral","sentiment_score":-0.012428335845470428},{"text":"My pleasure.","start_word":9293,"end_word":9294,"sentiment":"positive","sentiment_score":0.41883331537246704},{"text":"It's been a oh, not a problem, Neil. Are you going golfing today? No. Golf yesterday. I had a really good front nine and a horrible back nine. Oh, no. Thought I was gonna be a winner. I was playing really well and then collapsed. Oh, no. Well, hopefully, next time you have a better one. I was supposed to play tomorrow, but I don't like playing in the rain. We're getting a bit Yeah. of wet today. Oh, are you? Alright. Yeah. Wow. Yeah. No. It's good. We need it. So yeah. Yeah.","start_word":9295,"end_word":9388,"sentiment":"neutral","sentiment_score":0.03904496133327484},{"text":"All good.","start_word":9389,"end_word":9390,"sentiment":"positive","sentiment_score":0.35897549986839294},{"text":"Alright.","start_word":9391,"end_word":9391,"sentiment":"neutral","sentiment_score":0.2357661575078964},{"text":"Oh, all good. Well, thank you so much for your time. I'll let you both go.","start_word":9392,"end_word":9407,"sentiment":"positive","sentiment_score":0.5107209086418152},{"text":"Let me know if there's any additional questions or concerns that Sure. you have. But, yeah, take your time to have a good read through that. Okay? Right.","start_word":9408,"end_word":9435,"sentiment":"neutral","sentiment_score":0.22156020998954773},{"text":"Thank you, Diana. Thank you, Diana. My pleasure. Thank You you so much. See Have you later. a good day.","start_word":9436,"end_word":9455,"sentiment":"positive","sentiment_score":0.6242978572845459},{"text":"Bye bye. Bye.","start_word":9456,"end_word":9458,"sentiment":"neutral","sentiment_score":0.21631011366844177}],"average":{"sentiment":"neutral","sentiment_score":0.10042455600267268}}}}