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I think I'm still still a little bit, unfortunately, under the weather, but we're we're right and rearing and pushing through. I think just pushing too hard for too long happens, unfortunately. Now I've gone through and put together the advice based on the conversation that we had, and I've sent you an email not too long ago with reference to, like, the documents. That way, we can go through them together rather than me just talk at you. You have something to actually reference what I'm talking about. No. That's absolutely okay. Oh, well, technology is never on my side. It arrives in a minute then because I sent it just before I called you. Is it now? The one that says statement of advice rather than appendix. Okay. Page one. No. So the document, at at its entirety, is basically like, the advice that I've set out, it entails the steps that we're gonna take to put the advice in place should you accept it and goes from there. And now it does center around your, like, your your your superannuation. Obviously, your insurance, because you do have an insurance policy in place already for Australian Super. I did take into account your your mortgage and what that looks like to pay it off. And then as we discussed during our meeting, you did originally come to me a little bit more heavily on the business management side wanting to look at what that might look like. But I guess until we have a little bit more of a a goal orientated about how we're going to or what we're going to do, I can't delve too too deeply into it. But we did have that those really good discussions and originally met around some of the areas we could look into moving forward with regards to where we're gonna go. So that's where that currently kinda sits on that front. Now with with respect to, I guess, the the the document, it obviously details, like, the assets that you you listed and and assets provided. Obviously, the mortgage, I guess, not mortgage receipt, but the mortgage statement showed me where your mortgage is sitting as at when that statement was pulled. So it's sitting around that 620, which is what we discussed anyway. And then you have a little bit sitting in your offset account, which I know is a little bit fluid. Then we have, obviously, your PPR and the current value. I looked it up to see where that's at, and then, obviously, based on the commercial property, the valuation you gave me. Now because like, we we spoke about, like, the mortgage. We spoke about wanting to make sure that we're paying out, you know, the mortgage on your property and and having you pay and and where that was gonna sit. I did obviously take the mortgage into consideration. You know, you you did give me sort of about a five year timeline for the business and where that was looking at. And I have sort of looked at that, and I wanted to talk you through a couple of, like, options and stuff like that just to kind of open up further discussion as we go through. I do have formal recommendations, but I also have a couple, I guess, discussion points that we can continue kind of working on moving forward as well. So, anyway, let's keep going. Now as I said, your your Australian Super does currently have insurance in it. You have 200,000 of life insurance, and you have total permanent disability of a 100,000. Only cost you about $200 a week sorry, an annum for for that cover. So I did obviously consider that that amount when I looked at at what you currently hold with AustralianSuper and and then the all of the the benefits that AustralianSuper is giving you. Now when we spoke and met, when we were talking, we we, you know, we did talk about investments. We talked about where things fit. And you so when we invest, we there's multiple different avenues that we can invest in and when it comes to taking on risk. Now with respect to risk, there's probably three different classifications. One of them comes down to risk profile, and what risk profile means is it's referencing specifically what percentage or what what amount of the asset is actually invested in the market versus what amount is conservatively held. Now you've got, like, an an aggressive investor that's someone that's, you know I mean, you've you've got someone that's really aggressive that's basically, like, you know, red or black at the casino. But you you've got an aggressive investor that's basically a 100% invested or more because you can also have gearing where, you know, you borrow money to invest. That's where the or more than a 100% comes from, all the way down to someone who is extremely conservative, basically has their money in cash only. You came out sort of in that mid range upper mid range where you're you're probably not currently invested as suitably as you could be. And the reason you kinda came out there is a the time horizon before you can access this specific act asset. But, also, when we were talking, just some of the the like, the information you actually provided and where you're wanting to head does gear you more towards that sort of what we call a balanced growth. But, realistically, what is what we reference as a a seventy thirty investment split. The name and terminology changes depending on what provider you speak to and everything like that. So the name balanced growth doesn't mean anything, but, realistically, what it comes down to is a seventy thirty split. There's a bit of information and graphs and stuff like that that kind of explain a little bit more. I'm not gonna bore you with reading it verbatim. Yeah. This is why the visual aids are nice. Now what my recommendation ultimately comes down to is I looked at your Australian Superfund, and the investment that you currently have in Australian Super, whilst it would obviously be changed, and we could maneuver it, and I'd obviously looked at other options under Australian Super and what that could look like. But your current investments with AustralianSuper, you're sort of sitting at a fifty five forty five. So 55% sitting in, like, gross assets, so intended to grow your investment, and then about 45 sitting defensively. So it's quite conservative given your age. You'll you still got quite a while before you can touch your super asset, so it's not doing you any justice. I also looked at, obviously, other investment options under AustralianSuper because AustralianSuper does have whilst limited, they do have other options. And none of the other options gave me the confidence or the outcome that I was wanting to try and strive towards for you to try and get you the outcome that was gonna give you a decent amount of money and basically put you back on track post your payout to your ex wife. No. Heck. Yeah. Yeah. There's a graph on 17, and then yep. You're looking at oh, yep. You're looking at, like, the fee comparison table? Yep. Oh, the actual pie graph. Yep. Yeah. So what it what it lays out so the the actual graph is is the actual, like, proposed asset allocation. So the risk profile is basically, like, an algorithm that we've drawn up that we always aim to sort of hit or have a variance of sort of few percentile either either side within those different out assets. Your existing is obviously where your Australian super sits. Proposed is basically the assets that I've chosen for you to meet up with that risk profile, never gonna get exactly because I don't wanna always get exactly on the risk profile. The risk profile is a guideline, not a rule, and I wanna make sure that I'm obviously using that as a guide so that way I'm not putting you into assets that are really, really, really risky or, you know, not not investing outside of the risk profile that you sort of score in unless it's completely necessary. And there are obviously cases where, you know, investing outside of risk profile can be necessary. But, realistically and ultimately, what I wanna do is I wanna sort of hit that rough variance with that risk profile but get assets that are actually gonna work for you. And if you pop back up to the investments table where it's Yeah. Yeah. Where it's got all the fun words and numbers. It sort of shows you, I guess, like, with the actual breakdown. So currently, restraints Australian Superfund has those two holdings. So you've got the Australian shares holding and then the conservative holding. That's just the the investment name that Australia Super give them. And what the weighting is that you currently hold, it's structured exactly from your report. And, obviously, the the value based on the report, obviously, it fluctuates and moves, but it's a stagnant in time. And what we're recommending is we obviously sell out of all of that, which is why there's that negative sell amount. We're targeting to have 0%, $0 in that account. So realistically, the the recommendation is that we move a 100% of the assets out of AustralianSuper, and we move over to Hub twenty four as, like, the new investment product. I looked at multiple different providers. So Hub twenty fours, like, we're not attached to Hub twenty four. We don't get kicked back to Hub twenty four or any of the investments we we recommend. I recommended Hub twenty four because it gave a wider investment option offering, and it these were better aligned to where I wanna head. So we're not paying the, you know, constant buy sell costs. We can actually do what's called aggregate trading. So if we wanna, say, move any of the assets later in down the line because this is not set to get. You know? There are gonna come times where, say, maybe Europe's not doing so well, and we wanna pull a little bit out of Europe, you know, not say all of it, but pull a little bit out of Europe and redistribute some of the waiting elsewhere, then we can do that without incurring buy sell cost within the plat it's I so it trades within itself. Now have you ever heard of tab 24 before? And a lot of people haven't because it is what's called a retail provider. So they're not a provider that you know? Yeah. Perfect. So, yeah, all of these assets are available on the ASX. So the assets that I've recommended for which there are eight of them, realistically, your top four are what's called growth satellite the satellites. So those assets are growth assets, so they're intended to grow your your balance, but they are satellite. So they're only a small holding across all four of them. So you'll see it's anywhere between 37%. And all of them are there to diversify you out, not have a a huge, you know, asset allocation within those those areas, but they're there to essentially give you the diversification and act as a small asset to grow your farm. You'll then notice that the next two, which is your IVV and your a 200 or your S and P five 100 and your Australia 200, they are what's called the core of your investment. So the majority of holdings sit there, and that core is there acting to obviously still grow your balance, but they are a good, reliable, steady growth asset. Where your your top four have a little bit more risk variance through them, These two have a lot more stability to them. Then you have what is basically your more defensive asset. So gold is kind of a bit of a fifty fifty. It is a growth asset, but it's also technically a a a value it's more on the lines of a value asset than a growth or a defensive asset. So that's why it kinda sits basically halfway between. So it's a value asset, so it's there to give you value. It does obviously have decent growth to it, but also it's a bit of a cushion when the market goes down. Gold generally holds its value pretty well. So we have a value there, and then you've got your your defensive asset. So that's that core composite bond where you've got ass where you've got two or 24% held there. Now the core composite bond underlying within that fund so while there's only eight funds that I've recommended. The asset number under those so each of those assets holds multiple securities. So multiple different companies are listed under those. So, you know, your S and P 500 has quite a number of different securities listed under it. Same with the the the core composite bond. The actual whole holdings within that are quite vast. Each of these funds hold anywhere from sort of 10 all the way up to a couple 100 different securities or or stocks. Let's call let's call them stocks. Make it easier. So the reason we obviously don't go and specifically buy, say, like, Woolworth stocks or Caltech stocks or anything like that is because, a, that is direct trading, and it will incur a buy and sell. The cost is exponentially large when we're, you know, direct trading to a a a a stock or an asset. Whereas if we go through and actually have funds that bundle up stocks and shares, it reduces our cost down quite astronomically, and we work with the fund managers as well. So with with all these funds, they're internally trading. So, you know, your S and P 500 is obviously your your your top forming 500 companies, and that's fluid and moving constantly. So it's not something, you know, you're having to keep an eye on with respect to, well, what's what's now on the S and P 500, what's on offer, has something been kicked out, you know, do I need to change my waiting? It all happens organically without you needing to do a buy and sell and, obviously, having that higher cost involved. Does that all make sense? Amazing. Now, obviously, with the changeover of a new provider, we would, you know, we need to move your superannuation contributions and stuff like that. We obviously help you out with with redirecting contributions. We fill out the forms and send them to you to make sure that they all happen, and we try to make sure that, you know, contributions are land land on our side. I know that you're self employed, so you are, by essence, the one that takes care of that. But you and your business are two separate entities. We have to remember that. Oh, cool. You skipped Biden head. Okay. Yeah. No. You're okay. Happy to skip ahead and skip back. Like, I'm I mean, I wrote the document, so I'm I'm pretty familiar with it anyway. I don't really need to read it too much. So outside of that, the following recommendation is really centered around your contributions. Now in the reports you sent, you obviously provided two financial years, which was actually really cool. The one thing I noticed, and we did talk about this anyway, was, like, you're making the additional contributions and that you were going over the your concessional contribution cap. Now what I noticed in the reports was that the 2025 financial year, you hit 28,000 and change. That financial year, the contribution cap was $30,000. So you fell underneath that cap. Last financial year that that just closed, so 2026, your contributions were 30. Well, I should know this on top of my head. That's 30 two. So you you put $10,000 in your, like, personally? Yeah. Do you transfer it as, like, a b pay payment? Yep. No. That's absolutely fine. And then you we we we can submit what's called a notice of intent to claim. No. No. It goes on to your non concessional, which means that you you pay the tax marginally versus other. However, the report that you provided showed that you've already made 32 I think it was 32,000. I have to look at it again. But that $32,000 worth of contributions for which the concessional contribution so the the superannuation contribution amount, the last financial year was $30,000, which means you've exceeded it by 2,000, which means you pay extra tax. However, this would mean that you automatically trigger what's called the carry forward rule. I can already see, you know, just based on those two financial years that you would just carry forward the twenty twenty five financial years unused caps. The $10,000 that you've that you've paid in in cash, depending on whether you have any availability in the last five years, would depend on whether you can whether it makes yeah. Otherwise, you actually may bring up a task that's not advantageous for you. It's easy enough to check by going to myGov and seeing what available cap space you have. Yes. Yeah. And I know we spoke about the fact that you did have a little bit of room and that we were talking about you doing this anyway, but it's being very careful about not claiming too much. Yeah. The notice of intent to claim form really easy. I'm happy to fill it out for you. But before I would fill it out for you, I would wanna see a screenshot of myGov, realistically. Historically. Yeah. So I can fill that for you. That's that's fine. I do them every day. Save your paperwork. Okay? So that's net. Both though these figures are net. So it's it's that takes us up to the the so this financial year, which is 2027 financial year, the cap changed to 32,500. Superannuation, when we talk about concessional contributions, when the contribution is paid in concessionally, the super fund takes out 15%. It it pays 15% in tax because the assumption is and and what would would have happened with that money is that it hasn't been packed. It hasn't been taxed marginally, so they only they tax it at the superannuation rate of 15 percent, which is where we get that twenty seven six twenty five. So that's less than 15%. Yeah. So I'm recommending that we we keep to we keep to our $32,500, essentially. Now based on your income of 120, which I know that you were considering moving it to $1.30, 1 35, whether you've implemented that or not cool. It's a big question mark. But, essentially, what I'm recommending is that based on the $1.20 a $120,000 on the 12 percent worth of contributions, it essentially breaks down that, you know, your your your your additional contributions would just take you up to the cap. In the document, I broke it down into, you know, what how much that would be each week, fortnight, and month for you depending on how you end up paying your contributions. Obviously, we have paid pay contributions coming in now, but I wanted to make sure that I gave you all of the variances to make it easy. Now, obviously, depending on cash flow for the business, you do have the availability to you could pay the lump sum. Contributions can be paid as lump sum as well. You have a little bit more control in that area. The downside to that and when I speak to business owners, one of the things I do because I do have a lot of business owners that just hold up on paying their own contributions until end of financial year. I've seen that you don't do that. You contribute really regularly. Yeah. But I do have business owners that do tend to try and lump sum it before end of financial year because they're waiting on cash flow and all the rest of it. The downside for that is that yeah. Sorry. Yeah. No. Good. And I would recommend that we keep doing that Purely and simply, a, it means your dollar cost averaging. So you're buying in at different sections of the market constantly across time rather than just luck of the draw, dump the money in on a day, and you're gonna buy in, you know, $30 worth of. Correct. Don't be wrong. If it's low, massive win, but there's no guarantees. Whereas your dollar cost average has a better compounding outcome than lump sum contributions do. So your the contributions that I'm recommending with respect to ongoing basically amounts to the 32,500. So if you do obviously increase your wage, just making sure that we tailor the the contribution that yep. Exactly. So not exceed that on that front. But that sure makes sense. And there's obviously the the tax benefits, which for you, the tax benefits are a bit wishy washy because, obviously, it's the business that's that's paying a lot of it and and the the less yourself. Yep. Longevity wise. But that without having because I there's obviously a lot of there's a lot of oh my gosh. The word there's a lot of other variant variables that would need to be considered, but I always like just having a, I guess, a bit of a snapshot of, well, you know, if we ignore everything else, we just have your super. This is basically if we did a drawdown, this is what it would look like. I did age 60 because you can't retire today, but, yeah, from age 60 through, basically, the value that you have within the funds come age 60, so sort of thirteen years' time, what that looks like, how much money you would have, and what that longevity is. Again, Centrelink wasn't factored in, and and that would become a factor anyway. You know, you you you currently have, you know, the the the the business that could be sold and then the and the building and stuff like that. Again, not factored in. There's a big question mark. Correct. Yeah. That's okay. The the tax implications and salary sacrifice and such like that. Okay. Yep. I'm with you. So I had a look at insurance, and we did speak a bit of it a bit about insurance as well. But I had a look at it, and I looked at the, I guess, the the implications of having it versus not having a policy. Now I looked at in the event that you would have passed away, and we spoke about this as well, in the event that you would have passed away, the kids essentially get a house and they get the building, the commercial building. Business building. Yep. So they are readily looked after. They'd walk away with easy a mil each. And as we discussed, you were quite happy with that. With them having that, that sets them up without, you know, giving them an additional benefit for, you know, no real reason that you're having to pay the premiums on. I looked at total and permanent disability. And as we spoke about, theoretically speaking, the business could operate without you. You know, you'd obviously have to get someone in, and and there would be a a few things that, you know, would probably cause a bit of headache. But other than that, again, the building could be sold that your current house could be sold, and downsizing could definitely happen. And then we also spoke about income protection, which is basically if you were short term ill or injured. And, again, we had that conversation. The business is able to run-in the short term without you, and there wasn't a lot, you know, outside of maybe really, really major medical, so, like, a stroke or something that put you completely out. You know, if you broke a leg or anything like that, you would still be able to work on the business, just not in it type of thing. You know, you can still do all of the paperwork and back end stuff, so you still have that capacity because you have workers working for you. So I while I did look at, you know, what insurance would cost if we did write it, it just wasn't advantageous, and it made absolutely no sense to go ahead and write a policy. So what I'm actually recommending is we cancel it. Whilst this policy does only cost you a couple $100 a year, putting that back into your super and keeping in your super made way more sense compounding than if we were to go and write another policy. Now don't get me wrong. I did look at a policy that covered off the mortgage, so, like, that $606,120,000 dollars. And we were looking at sort of $600 a year for the first year. But the older you get, the more that is gonna cost. And, again, what was the real benefit for it? Yes. Yeah. So it just didn't it didn't have a have have a benefit. Obviously, there's risks to canceling a policy. You no longer have that additional benefit, la la la, along those lines. But it's just doesn't really give us an advantageous position long term to what our actual goals are. If I was talking to you maybe ten or fifteen years ago, kids were a little bit younger, Story would be different, but we're in a slightly different situation. Yes. So I did look at, like, the offset and whether, like because you currently have money in the offset, and I know that that's it's a little bit fluid, whether maybe taking money from your offset and putting it further into your superannuation would, like, as non concessional for after tax contribution were gonna be beneficial. And, honestly, the savings that you're getting from using your offset the way you're using it were a lot better than putting those contributions in. So I recommended that we just we you you keep using your offset the way you're using it and that we don't look to change that current position. Don't touch it. So yeah. Realistically speaking, the the the offsets doing doing wonders. I mean, they always do do do wonders, which is great. Yeah. Very much so. The good like, the the great thing with with Offset then and what I would probably recommend is that you just you make sure that you keep as much money in there as possible and just keep get paid into that account, keep as much money in there. If you have to pay a bill, you obviously pay the bill from that account. That's fine because interest is calculated daily. So that's the real benefit to it. Cool. Beneficiaries. So with with the establishment of a new fund, we need to nominate a beneficiary to receive the benefit if it was to occur that you passed away and therefore the superannuation yes. However, what I'm recommending, and this is for tax purposes, is that you actually nominate your legal personal representative, which is your estate, and then we make sure that we get the will in place and updated and make sure that it has our wishes included in it so that the benefit can go through to the kids. The reason I'm recommending this structure versus directly nominating the children because the the children I know they're not children. They're they're big, but they're still your children. Okay. The the kids, whilst they are a CIS, like, SIS, superannuation industry act legal beneficiary, they are, however, nontax dependent because they are grown. And what would happen is if you were to pass away and they receive the benefit, the taxable component for which majority of your super fund is taxable, the taxable component is paid to them with a 17% tax taken out of it versus if it's paid to your estate, it's only 15%. And, realistically, because you have you have the business, you have a house, you have the cars, personal assets, a beneficiary nomination to the super fund doesn't cover any of that, and only a will can cover all of that information off anyway. So the will is an important document to just be able to to have in place. The other benefit is is that a will has a executor nominated to on it. And, realistically, if anything were to happen to you, banks, us, super funds, insurance companies, anything like that, can't talk to anyone. Privacy act, even upon death, restricts us from talking to anyone, which is painful. But a a a will nominating executor removes that and enables us to obviously start talking and communicating with an appointed person. There are some really good providers around. If you don't wanna go to a solicitor, you you know, you don't wanna go and spend realistically, a simple will is only about 750 to 1,500 dollars depending on who you go through. So they're not stupid expensive like people think. But other than that, I wouldn't really recommend that you go for a will kit through the post office. While they are available, they're only about 30 bucks. Yeah. They're just not that great. There are some online support services, though, that can give it that can help you. There are some online companies like Willed, w I, double l, e d, that are like, you still do it yourself, but it's supported. You do it yourself supported. It's only a couple $100 doing it that way. Again, a solicitor is gonna give you a much better outcome, though. In seeing a solicitor, my other recommendation, which the next two points are basically go and get a will. And the last one is when seeing a solicitor, because you are a single person now, so no longer married, I recommend that you actually look at getting what's called a power of attorney document drawn up as well. Because it just if anything were to happen, you did fall ill, it appoints someone to make financial and medical decisions on your behalf. Doesn't have to be the kids. It can be someone else that you trust. But, generally, that falls to a spouse, so nominating someone else. Yeah. Just having that clear defined role is just gonna help you out on that on that side. Yeah. Yeah. So and, again, a a lawyer can draw them up. They can draw them up together at the same time nice and easy. If you don't have a lawyer, I have one that's I mean, you're local around my area, so I have one that's literally around the corner from the office that I can send you the details for. You're able to go and sit with them. They did my will too and my husband's if you want. Otherwise, you're more than welcome to obviously source your own lawyer. Always fun when you meet with someone, they give you homework. So now it's like the remuneration side. So, obviously, I am a fee for service provider. I do charge a fee. So if you accept the advice, ultimately, what we would do is, a, I would need your tax phone number, and I need a copy of your ID. And I would need confirmation of your birth date as well. We would then be able to implement and execute everything. I've I've emailed you these documents because it's a lot easier to go through these documents via email than it is to go through, like, the signing software that we use. But what I would do is I would send you all the documents, including the applications and everything like that for you to be able to sign. And after that, we would be able to implement the advice. So we we would execute rollovers and transfers, the account set up, and everything, and we charge the $4,950 to do that, to execute it, to set you up, to buy the investments, and make sure everything goes smoothly. We draw up all the documentation for, like, the salary sacrifice and everything like that and provide you with your contribution details. Ongoing from there, you have complete access to me and my team. So I'm one of six advisers with Oakview, and, total, we have about 20 staff, which, you know, there's administration staff as well that would be able to assist you with any inquiries or connect you straight to me. And you're not limited to how much you contact us. You can contact us as much or as little as you want. At a minimum, we will be contacting you annually, so once a year, to go through and do a complete review of your position and sit down and have an advice discussion like we did last month. And the reason for that is is because your situation is never stagnant. We wanna make sure that we're keeping up to date with it. We wanna make sure that we're keeping up to date with the market and the economy and making any tweaks and changes that may need to be made as we go through. However, more than happy to also meet quarterly or half yearly. It's just completely dependent on what you're wanting preference wise and whether, you know, you're someone that wants to continue talking or whether you're like, no. Look. Yearly is fine. But we can organize that at a later time anyway. So our service fee for that is 1.65% of the balance of some. So that would roughly be $3,006.82, but we do cap our fees at 9,900. So irrespective of how high your balance grows, we wouldn't charge more than that. That makes sense. Mhmm. But cool. I know. Sorry. It's just the talking and the voice losses and the like like I said, like, I just the flu threw me around something shocking, unfortunately. Yes. Absolutely. So if you have a look down at the second to last page, it's the page you basically sign on. It's you know, I hereby authorize myself and my author number and the company and all the rest of it to implement it. Well, the second paragraph is I have chosen to vary the recommendations, and then that nice big section of white paper for which when I send it to you via the electronic signing, you would be able to free type into that section stipulating what you do and don't want implemented. Obviously, if it's complex in nature, I e, you turn around and go, I hate this investment, I'm gonna have a follow-up question, and then I'd probably just redo the investment structure for you rather than vary the implementation or, like, cut out an investment option. I would just work with you to alter that. So that's essentially where that where that goes. Yes. Yeah. That's absolutely okay. The one question I really had for you is amongst everything, I actually never grabbed your full date of birth. I had the year you were born, but I never grabbed your month oh, Amazing. So I just I obviously need that for any of the applications and stuff like that. What I can do is I can put everything together in the signing documents, and I can email that through to you as well. So that way, after you finish reading the statement of advice that is obviously the full statement, the appendix we haven't gone through, but, realistically, the appendix is some of the research that I conducted in line with the recommendation. So it has the insurance side of stuff that I looked at and, like, links to each of the investments that I'm recommending and just supporting information for you. More? Have to read. Yeah. So I have all that sitting there as well. There's a full breakdown of, like, each of the investment opt options that we discussed. So your your risk profiles, how it breaks down, and just sort of information for you to to be able to sort of read through. It's nothing overly complex, very much similar in nature with with what we have. There's a comparison as if we were to move you to a similar investment option under AustralianSuper so that way you can see what that looks like as well, you know, mortgage currently and stuff like that. Nothing nothing complex, nothing, you know, very informative. It's a lot of graphs more so than words. So that's it. But what I'll do is I'll roll the documents up, and I'll email them to you through that signing call. That way, should you wanna proceed, you're able to sign it. But otherwise, realistically, what will happen is one of my team, Maddie, you've just talked to Maddie before, she'll basically touch base with you in a few days. And as always, if you email me, I'll get back to you. And, you know, if you wanna have another chat, we can have another chat anyway. Yeah. Look. If you end up getting through everything and, you know, you wanna go and enjoy your holiday because you weren't perfectly entitled to that, that's okay as well. Absolutely, Mark. My pleasure. Have a good one. 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Good afternoon, Mark. Larissa from Oaktree Financial. How are you going? Yeah.\n\nGood. Thank you. Oh my lord. Slowly. I think I'm still still a little bit, unfortunately, under the weather, but we're we're right and rearing and pushing through.\n\nI think just pushing too hard for too long happens, unfortunately. Now I've gone through and put together the advice based on the conversation that we had, and I've sent you an email not too long ago with reference to, like, the documents. That way, we can go through them together rather than me just talk at you. You have something to actually reference what I'm talking about. No.\n\nThat's absolutely okay. Oh, well, technology is never on my side. It arrives in a minute then because I sent it just before I called you. Is it now? The one that says statement of advice rather than appendix.\n\nOkay. Page one. No. So the document, at at its entirety, is basically like, the advice that I've set out, it entails the steps that we're gonna take to put the advice in place should you accept it and goes from there. And now it does center around your, like, your your your superannuation.\n\nObviously, your insurance, because you do have an insurance policy in place already for Australian Super. I did take into account your your mortgage and what that looks like to pay it off. And then as we discussed during our meeting, you did originally come to me a little bit more heavily on the business management side wanting to look at what that might look like. But I guess until we have a little bit more of a a goal orientated about how we're going to or what we're going to do, I can't delve too too deeply into it. But we did have that those really good discussions and originally met around some of the areas we could look into moving forward with regards to where we're gonna go.\n\nSo that's where that currently kinda sits on that front. Now with with respect to, I guess, the the the document, it obviously details, like, the assets that you you listed and and assets provided. Obviously, the mortgage, I guess, not mortgage receipt, but the mortgage statement showed me where your mortgage is sitting as at when that statement was pulled. So it's sitting around that 620, which is what we discussed anyway. And then you have a little bit sitting in your offset account, which I know is a little bit fluid.\n\nThen we have, obviously, your PPR and the current value. I looked it up to see where that's at, and then, obviously, based on the commercial property, the valuation you gave me. Now because like, we we spoke about, like, the mortgage. We spoke about wanting to make sure that we're paying out, you know, the mortgage on your property and and having you pay and and where that was gonna sit. I did obviously take the mortgage into consideration.\n\nYou know, you you did give me sort of about a five year timeline for the business and where that was looking at. And I have sort of looked at that, and I wanted to talk you through a couple of, like, options and stuff like that just to kind of open up further discussion as we go through. I do have formal recommendations, but I also have a couple, I guess, discussion points that we can continue kind of working on moving forward as well. So, anyway, let's keep going. Now as I said, your your Australian Super does currently have insurance in it.\n\nYou have 200,000 of life insurance, and you have total permanent disability of a 100,000. Only cost you about $200 a week sorry, an annum for for that cover. So I did obviously consider that that amount when I looked at at what you currently hold with AustralianSuper and and then the all of the the benefits that AustralianSuper is giving you. Now when we spoke and met, when we were talking, we we, you know, we did talk about investments. We talked about where things fit.\n\nAnd you so when we invest, we there's multiple different avenues that we can invest in and when it comes to taking on risk. Now with respect to risk, there's probably three different classifications. One of them comes down to risk profile, and what risk profile means is it's referencing specifically what percentage or what what amount of the asset is actually invested in the market versus what amount is conservatively held. Now you've got, like, an an aggressive investor that's someone that's, you know I mean, you've you've got someone that's really aggressive that's basically, like, you know, red or black at the casino. But you you've got an aggressive investor that's basically a 100% invested or more because you can also have gearing where, you know, you borrow money to invest.\n\nThat's where the or more than a 100% comes from, all the way down to someone who is extremely conservative, basically has their money in cash only. You came out sort of in that mid range upper mid range where you're you're probably not currently invested as suitably as you could be. And the reason you kinda came out there is a the time horizon before you can access this specific act asset. But, also, when we were talking, just some of the the like, the information you actually provided and where you're wanting to head does gear you more towards that sort of what we call a balanced growth. But, realistically, what is what we reference as a a seventy thirty investment split.\n\nThe name and terminology changes depending on what provider you speak to and everything like that. So the name balanced growth doesn't mean anything, but, realistically, what it comes down to is a seventy thirty split. There's a bit of information and graphs and stuff like that that kind of explain a little bit more. I'm not gonna bore you with reading it verbatim. Yeah.\n\nThis is why the visual aids are nice. Now what my recommendation ultimately comes down to is I looked at your Australian Superfund, and the investment that you currently have in Australian Super, whilst it would obviously be changed, and we could maneuver it, and I'd obviously looked at other options under Australian Super and what that could look like. But your current investments with AustralianSuper, you're sort of sitting at a fifty five forty five. So 55% sitting in, like, gross assets, so intended to grow your investment, and then about 45 sitting defensively. So it's quite conservative given your age.\n\nYou'll you still got quite a while before you can touch your super asset, so it's not doing you any justice. I also looked at, obviously, other investment options under AustralianSuper because AustralianSuper does have whilst limited, they do have other options. And none of the other options gave me the confidence or the outcome that I was wanting to try and strive towards for you to try and get you the outcome that was gonna give you a decent amount of money and basically put you back on track post your payout to your ex wife. No. Heck.\n\nYeah. Yeah. There's a graph on 17, and then yep. You're looking at oh, yep. You're looking at, like, the fee comparison table?\n\nYep. Oh, the actual pie graph. Yep. Yeah. So what it what it lays out so the the actual graph is is the actual, like, proposed asset allocation.\n\nSo the risk profile is basically, like, an algorithm that we've drawn up that we always aim to sort of hit or have a variance of sort of few percentile either either side within those different out assets. Your existing is obviously where your Australian super sits. Proposed is basically the assets that I've chosen for you to meet up with that risk profile, never gonna get exactly because I don't wanna always get exactly on the risk profile. The risk profile is a guideline, not a rule, and I wanna make sure that I'm obviously using that as a guide so that way I'm not putting you into assets that are really, really, really risky or, you know, not not investing outside of the risk profile that you sort of score in unless it's completely necessary. And there are obviously cases where, you know, investing outside of risk profile can be necessary.\n\nBut, realistically and ultimately, what I wanna do is I wanna sort of hit that rough variance with that risk profile but get assets that are actually gonna work for you. And if you pop back up to the investments table where it's Yeah. Yeah. Where it's got all the fun words and numbers. It sort of shows you, I guess, like, with the actual breakdown.\n\nSo currently, restraints Australian Superfund has those two holdings. So you've got the Australian shares holding and then the conservative holding. That's just the the investment name that Australia Super give them. And what the weighting is that you currently hold, it's structured exactly from your report. And, obviously, the the value based on the report, obviously, it fluctuates and moves, but it's a stagnant in time.\n\nAnd what we're recommending is we obviously sell out of all of that, which is why there's that negative sell amount. We're targeting to have 0%, $0 in that account. So realistically, the the recommendation is that we move a 100% of the assets out of AustralianSuper, and we move over to Hub twenty four as, like, the new investment product. I looked at multiple different providers. So Hub twenty fours, like, we're not attached to Hub twenty four.\n\nWe don't get kicked back to Hub twenty four or any of the investments we we recommend. I recommended Hub twenty four because it gave a wider investment option offering, and it these were better aligned to where I wanna head. So we're not paying the, you know, constant buy sell costs. We can actually do what's called aggregate trading. So if we wanna, say, move any of the assets later in down the line because this is not set to get.\n\nYou know? There are gonna come times where, say, maybe Europe's not doing so well, and we wanna pull a little bit out of Europe, you know, not say all of it, but pull a little bit out of Europe and redistribute some of the waiting elsewhere, then we can do that without incurring buy sell cost within the plat it's I so it trades within itself. Now have you ever heard of tab 24 before? And a lot of people haven't because it is what's called a retail provider. So they're not a provider that you know?\n\nYeah. Perfect. So, yeah, all of these assets are available on the ASX. So the assets that I've recommended for which there are eight of them, realistically, your top four are what's called growth satellite the satellites. So those assets are growth assets, so they're intended to grow your your balance, but they are satellite.\n\nSo they're only a small holding across all four of them. So you'll see it's anywhere between 37%. And all of them are there to diversify you out, not have a a huge, you know, asset allocation within those those areas, but they're there to essentially give you the diversification and act as a small asset to grow your farm. You'll then notice that the next two, which is your IVV and your a 200 or your S and P five 100 and your Australia 200, they are what's called the core of your investment. So the majority of holdings sit there, and that core is there acting to obviously still grow your balance, but they are a good, reliable, steady growth asset.\n\nWhere your your top four have a little bit more risk variance through them, These two have a lot more stability to them. Then you have what is basically your more defensive asset. So gold is kind of a bit of a fifty fifty. It is a growth asset, but it's also technically a a a value it's more on the lines of a value asset than a growth or a defensive asset. So that's why it kinda sits basically halfway between.\n\nSo it's a value asset, so it's there to give you value. It does obviously have decent growth to it, but also it's a bit of a cushion when the market goes down. Gold generally holds its value pretty well. So we have a value there, and then you've got your your defensive asset. So that's that core composite bond where you've got ass where you've got two or 24% held there.\n\nNow the core composite bond underlying within that fund so while there's only eight funds that I've recommended. The asset number under those so each of those assets holds multiple securities. So multiple different companies are listed under those. So, you know, your S and P 500 has quite a number of different securities listed under it. Same with the the the core composite bond.\n\nThe actual whole holdings within that are quite vast. Each of these funds hold anywhere from sort of 10 all the way up to a couple 100 different securities or or stocks. Let's call let's call them stocks. Make it easier. So the reason we obviously don't go and specifically buy, say, like, Woolworth stocks or Caltech stocks or anything like that is because, a, that is direct trading, and it will incur a buy and sell.\n\nThe cost is exponentially large when we're, you know, direct trading to a a a a stock or an asset. Whereas if we go through and actually have funds that bundle up stocks and shares, it reduces our cost down quite astronomically, and we work with the fund managers as well. So with with all these funds, they're internally trading. So, you know, your S and P 500 is obviously your your your top forming 500 companies, and that's fluid and moving constantly. So it's not something, you know, you're having to keep an eye on with respect to, well, what's what's now on the S and P 500, what's on offer, has something been kicked out, you know, do I need to change my waiting?\n\nIt all happens organically without you needing to do a buy and sell and, obviously, having that higher cost involved. Does that all make sense? Amazing. Now, obviously, with the changeover of a new provider, we would, you know, we need to move your superannuation contributions and stuff like that. We obviously help you out with with redirecting contributions.\n\nWe fill out the forms and send them to you to make sure that they all happen, and we try to make sure that, you know, contributions are land land on our side. I know that you're self employed, so you are, by essence, the one that takes care of that. But you and your business are two separate entities. We have to remember that. Oh, cool.\n\nYou skipped Biden head. Okay. Yeah. No. You're okay.\n\nHappy to skip ahead and skip back. Like, I'm I mean, I wrote the document, so I'm I'm pretty familiar with it anyway. I don't really need to read it too much. So outside of that, the following recommendation is really centered around your contributions. Now in the reports you sent, you obviously provided two financial years, which was actually really cool.\n\nThe one thing I noticed, and we did talk about this anyway, was, like, you're making the additional contributions and that you were going over the your concessional contribution cap. Now what I noticed in the reports was that the 2025 financial year, you hit 28,000 and change. That financial year, the contribution cap was $30,000. So you fell underneath that cap. Last financial year that that just closed, so 2026, your contributions were 30.\n\nWell, I should know this on top of my head. That's 30 two. So you you put $10,000 in your, like, personally? Yeah. Do you transfer it as, like, a b pay payment?\n\nYep. No. That's absolutely fine. And then you we we we can submit what's called a notice of intent to claim. No.\n\nNo. It goes on to your non concessional, which means that you you pay the tax marginally versus other. However, the report that you provided showed that you've already made 32 I think it was 32,000. I have to look at it again. But that $32,000 worth of contributions for which the concessional contribution so the the superannuation contribution amount, the last financial year was $30,000, which means you've exceeded it by 2,000, which means you pay extra tax.\n\nHowever, this would mean that you automatically trigger what's called the carry forward rule. I can already see, you know, just based on those two financial years that you would just carry forward the twenty twenty five financial years unused caps. The $10,000 that you've that you've paid in in cash, depending on whether you have any availability in the last five years, would depend on whether you can whether it makes yeah. Otherwise, you actually may bring up a task that's not advantageous for you. It's easy enough to check by going to myGov and seeing what available cap space you have.\n\nYes. Yeah. And I know we spoke about the fact that you did have a little bit of room and that we were talking about you doing this anyway, but it's being very careful about not claiming too much. Yeah. The notice of intent to claim form really easy.\n\nI'm happy to fill it out for you. But before I would fill it out for you, I would wanna see a screenshot of myGov, realistically. Historically. Yeah. So I can fill that for you.\n\nThat's that's fine. I do them every day. Save your paperwork. Okay? So that's net.\n\nBoth though these figures are net. So it's it's that takes us up to the the so this financial year, which is 2027 financial year, the cap changed to 32,500. Superannuation, when we talk about concessional contributions, when the contribution is paid in concessionally, the super fund takes out 15%. It it pays 15% in tax because the assumption is and and what would would have happened with that money is that it hasn't been packed. It hasn't been taxed marginally, so they only they tax it at the superannuation rate of 15 percent, which is where we get that twenty seven six twenty five.\n\nSo that's less than 15%. Yeah. So I'm recommending that we we keep to we keep to our $32,500, essentially. Now based on your income of 120, which I know that you were considering moving it to $1.30, 1 35, whether you've implemented that or not cool. It's a big question mark.\n\nBut, essentially, what I'm recommending is that based on the $1.20 a $120,000 on the 12 percent worth of contributions, it essentially breaks down that, you know, your your your your additional contributions would just take you up to the cap. In the document, I broke it down into, you know, what how much that would be each week, fortnight, and month for you depending on how you end up paying your contributions. Obviously, we have paid pay contributions coming in now, but I wanted to make sure that I gave you all of the variances to make it easy. Now, obviously, depending on cash flow for the business, you do have the availability to you could pay the lump sum. Contributions can be paid as lump sum as well.\n\nYou have a little bit more control in that area. The downside to that and when I speak to business owners, one of the things I do because I do have a lot of business owners that just hold up on paying their own contributions until end of financial year. I've seen that you don't do that. You contribute really regularly. Yeah.\n\nBut I do have business owners that do tend to try and lump sum it before end of financial year because they're waiting on cash flow and all the rest of it. The downside for that is that yeah. Sorry. Yeah. No.\n\nGood. And I would recommend that we keep doing that Purely and simply, a, it means your dollar cost averaging. So you're buying in at different sections of the market constantly across time rather than just luck of the draw, dump the money in on a day, and you're gonna buy in, you know, $30 worth of. Correct. Don't be wrong.\n\nIf it's low, massive win, but there's no guarantees. Whereas your dollar cost average has a better compounding outcome than lump sum contributions do. So your the contributions that I'm recommending with respect to ongoing basically amounts to the 32,500. So if you do obviously increase your wage, just making sure that we tailor the the contribution that yep. Exactly.\n\nSo not exceed that on that front. But that sure makes sense. And there's obviously the the tax benefits, which for you, the tax benefits are a bit wishy washy because, obviously, it's the business that's that's paying a lot of it and and the the less yourself. Yep. Longevity wise.\n\nBut that without having because I there's obviously a lot of there's a lot of oh my gosh. The word there's a lot of other variant variables that would need to be considered, but I always like just having a, I guess, a bit of a snapshot of, well, you know, if we ignore everything else, we just have your super. This is basically if we did a drawdown, this is what it would look like. I did age 60 because you can't retire today, but, yeah, from age 60 through, basically, the value that you have within the funds come age 60, so sort of thirteen years' time, what that looks like, how much money you would have, and what that longevity is. Again, Centrelink wasn't factored in, and and that would become a factor anyway.\n\nYou know, you you you currently have, you know, the the the the business that could be sold and then the and the building and stuff like that. Again, not factored in. There's a big question mark. Correct. Yeah.\n\nThat's okay. The the tax implications and salary sacrifice and such like that. Okay. Yep. I'm with you.\n\nSo I had a look at insurance, and we did speak a bit of it a bit about insurance as well. But I had a look at it, and I looked at the, I guess, the the implications of having it versus not having a policy. Now I looked at in the event that you would have passed away, and we spoke about this as well, in the event that you would have passed away, the kids essentially get a house and they get the building, the commercial building. Business building. Yep.\n\nSo they are readily looked after. They'd walk away with easy a mil each. And as we discussed, you were quite happy with that. With them having that, that sets them up without, you know, giving them an additional benefit for, you know, no real reason that you're having to pay the premiums on. I looked at total and permanent disability.\n\nAnd as we spoke about, theoretically speaking, the business could operate without you. You know, you'd obviously have to get someone in, and and there would be a a few things that, you know, would probably cause a bit of headache. But other than that, again, the building could be sold that your current house could be sold, and downsizing could definitely happen. And then we also spoke about income protection, which is basically if you were short term ill or injured. And, again, we had that conversation.\n\nThe business is able to run-in the short term without you, and there wasn't a lot, you know, outside of maybe really, really major medical, so, like, a stroke or something that put you completely out. You know, if you broke a leg or anything like that, you would still be able to work on the business, just not in it type of thing. You know, you can still do all of the paperwork and back end stuff, so you still have that capacity because you have workers working for you. So I while I did look at, you know, what insurance would cost if we did write it, it just wasn't advantageous, and it made absolutely no sense to go ahead and write a policy. So what I'm actually recommending is we cancel it.\n\nWhilst this policy does only cost you a couple $100 a year, putting that back into your super and keeping in your super made way more sense compounding than if we were to go and write another policy. Now don't get me wrong. I did look at a policy that covered off the mortgage, so, like, that $606,120,000 dollars. And we were looking at sort of $600 a year for the first year. But the older you get, the more that is gonna cost.\n\nAnd, again, what was the real benefit for it? Yes. Yeah. So it just didn't it didn't have a have have a benefit. Obviously, there's risks to canceling a policy.\n\nYou no longer have that additional benefit, la la la, along those lines. But it's just doesn't really give us an advantageous position long term to what our actual goals are. If I was talking to you maybe ten or fifteen years ago, kids were a little bit younger, Story would be different, but we're in a slightly different situation. Yes. So I did look at, like, the offset and whether, like because you currently have money in the offset, and I know that that's it's a little bit fluid, whether maybe taking money from your offset and putting it further into your superannuation would, like, as non concessional for after tax contribution were gonna be beneficial.\n\nAnd, honestly, the savings that you're getting from using your offset the way you're using it were a lot better than putting those contributions in. So I recommended that we just we you you keep using your offset the way you're using it and that we don't look to change that current position. Don't touch it. So yeah. Realistically speaking, the the the offsets doing doing wonders.\n\nI mean, they always do do do wonders, which is great. Yeah. Very much so. The good like, the the great thing with with Offset then and what I would probably recommend is that you just you make sure that you keep as much money in there as possible and just keep get paid into that account, keep as much money in there. If you have to pay a bill, you obviously pay the bill from that account.\n\nThat's fine because interest is calculated daily. So that's the real benefit to it. Cool. Beneficiaries. So with with the establishment of a new fund, we need to nominate a beneficiary to receive the benefit if it was to occur that you passed away and therefore the superannuation yes.\n\nHowever, what I'm recommending, and this is for tax purposes, is that you actually nominate your legal personal representative, which is your estate, and then we make sure that we get the will in place and updated and make sure that it has our wishes included in it so that the benefit can go through to the kids. The reason I'm recommending this structure versus directly nominating the children because the the children I know they're not children. They're they're big, but they're still your children. Okay. The the kids, whilst they are a CIS, like, SIS, superannuation industry act legal beneficiary, they are, however, nontax dependent because they are grown.\n\nAnd what would happen is if you were to pass away and they receive the benefit, the taxable component for which majority of your super fund is taxable, the taxable component is paid to them with a 17% tax taken out of it versus if it's paid to your estate, it's only 15%. And, realistically, because you have you have the business, you have a house, you have the cars, personal assets, a beneficiary nomination to the super fund doesn't cover any of that, and only a will can cover all of that information off anyway. So the will is an important document to just be able to to have in place. The other benefit is is that a will has a executor nominated to on it. And, realistically, if anything were to happen to you, banks, us, super funds, insurance companies, anything like that, can't talk to anyone.\n\nPrivacy act, even upon death, restricts us from talking to anyone, which is painful. But a a a will nominating executor removes that and enables us to obviously start talking and communicating with an appointed person. There are some really good providers around. If you don't wanna go to a solicitor, you you know, you don't wanna go and spend realistically, a simple will is only about 750 to 1,500 dollars depending on who you go through. So they're not stupid expensive like people think.\n\nBut other than that, I wouldn't really recommend that you go for a will kit through the post office. While they are available, they're only about 30 bucks. Yeah. They're just not that great. There are some online support services, though, that can give it that can help you.\n\nThere are some online companies like Willed, w I, double l, e d, that are like, you still do it yourself, but it's supported. You do it yourself supported. It's only a couple $100 doing it that way. Again, a solicitor is gonna give you a much better outcome, though. In seeing a solicitor, my other recommendation, which the next two points are basically go and get a will.\n\nAnd the last one is when seeing a solicitor, because you are a single person now, so no longer married, I recommend that you actually look at getting what's called a power of attorney document drawn up as well. Because it just if anything were to happen, you did fall ill, it appoints someone to make financial and medical decisions on your behalf. Doesn't have to be the kids. It can be someone else that you trust. But, generally, that falls to a spouse, so nominating someone else.\n\nYeah. Just having that clear defined role is just gonna help you out on that on that side. Yeah. Yeah. So and, again, a a lawyer can draw them up.\n\nThey can draw them up together at the same time nice and easy. If you don't have a lawyer, I have one that's I mean, you're local around my area, so I have one that's literally around the corner from the office that I can send you the details for. You're able to go and sit with them. They did my will too and my husband's if you want. Otherwise, you're more than welcome to obviously source your own lawyer.\n\nAlways fun when you meet with someone, they give you homework. So now it's like the remuneration side. So, obviously, I am a fee for service provider. I do charge a fee. So if you accept the advice, ultimately, what we would do is, a, I would need your tax phone number, and I need a copy of your ID.\n\nAnd I would need confirmation of your birth date as well. We would then be able to implement and execute everything. I've I've emailed you these documents because it's a lot easier to go through these documents via email than it is to go through, like, the signing software that we use. But what I would do is I would send you all the documents, including the applications and everything like that for you to be able to sign. And after that, we would be able to implement the advice.\n\nSo we we would execute rollovers and transfers, the account set up, and everything, and we charge the $4,950 to do that, to execute it, to set you up, to buy the investments, and make sure everything goes smoothly. We draw up all the documentation for, like, the salary sacrifice and everything like that and provide you with your contribution details. Ongoing from there, you have complete access to me and my team. So I'm one of six advisers with Oakview, and, total, we have about 20 staff, which, you know, there's administration staff as well that would be able to assist you with any inquiries or connect you straight to me. And you're not limited to how much you contact us.\n\nYou can contact us as much or as little as you want. At a minimum, we will be contacting you annually, so once a year, to go through and do a complete review of your position and sit down and have an advice discussion like we did last month. And the reason for that is is because your situation is never stagnant. We wanna make sure that we're keeping up to date with it. We wanna make sure that we're keeping up to date with the market and the economy and making any tweaks and changes that may need to be made as we go through.\n\nHowever, more than happy to also meet quarterly or half yearly. It's just completely dependent on what you're wanting preference wise and whether, you know, you're someone that wants to continue talking or whether you're like, no. Look. Yearly is fine. But we can organize that at a later time anyway.\n\nSo our service fee for that is 1.65% of the balance of some. So that would roughly be $3,006.82, but we do cap our fees at 9,900. So irrespective of how high your balance grows, we wouldn't charge more than that. That makes sense. Mhmm.\n\nBut cool. I know. Sorry. It's just the talking and the voice losses and the like like I said, like, I just the flu threw me around something shocking, unfortunately. Yes.\n\nAbsolutely. So if you have a look down at the second to last page, it's the page you basically sign on. It's you know, I hereby authorize myself and my author number and the company and all the rest of it to implement it. Well, the second paragraph is I have chosen to vary the recommendations, and then that nice big section of white paper for which when I send it to you via the electronic signing, you would be able to free type into that section stipulating what you do and don't want implemented. Obviously, if it's complex in nature, I e, you turn around and go, I hate this investment, I'm gonna have a follow-up question, and then I'd probably just redo the investment structure for you rather than vary the implementation or, like, cut out an investment option.\n\nI would just work with you to alter that. So that's essentially where that where that goes. Yes. Yeah. That's absolutely okay.\n\nThe one question I really had for you is amongst everything, I actually never grabbed your full date of birth. I had the year you were born, but I never grabbed your month oh, Amazing. So I just I obviously need that for any of the applications and stuff like that. What I can do is I can put everything together in the signing documents, and I can email that through to you as well. So that way, after you finish reading the statement of advice that is obviously the full statement, the appendix we haven't gone through, but, realistically, the appendix is some of the research that I conducted in line with the recommendation.\n\nSo it has the insurance side of stuff that I looked at and, like, links to each of the investments that I'm recommending and just supporting information for you. More? Have to read. Yeah. So I have all that sitting there as well.\n\nThere's a full breakdown of, like, each of the investment opt options that we discussed. So your your risk profiles, how it breaks down, and just sort of information for you to to be able to sort of read through. It's nothing overly complex, very much similar in nature with with what we have. There's a comparison as if we were to move you to a similar investment option under AustralianSuper so that way you can see what that looks like as well, you know, mortgage currently and stuff like that. Nothing nothing complex, nothing, you know, very informative.\n\nIt's a lot of graphs more so than words. So that's it. But what I'll do is I'll roll the documents up, and I'll email them to you through that signing call. That way, should you wanna proceed, you're able to sign it. But otherwise, realistically, what will happen is one of my team, Maddie, you've just talked to Maddie before, she'll basically touch base with you in a few days.\n\nAnd as always, if you email me, I'll get back to you. And, you know, if you wanna have another chat, we can have another chat anyway. Yeah. Look. If you end up getting through everything and, you know, you wanna go and enjoy your holiday because you weren't perfectly entitled to that, that's okay as well.\n\nAbsolutely, Mark. My pleasure. Have a good one. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":2.3999999,"end":2.8,"sentiment":"neutral","sentiment_score":0.20257437229156497},{"text":"Good afternoon, Mark.","start":2.8,"end":3.76,"sentiment":"positive","sentiment_score":0.4444970488548279},{"text":"Larissa from Oaktree Financial.","start":3.76,"end":5.12,"sentiment":"positive","sentiment_score":0.37548668682575226},{"text":"How are you going?","start":5.12,"end":6.02,"sentiment":"positive","sentiment_score":0.3479335978627205},{"text":"Yeah.","start":7.8399997,"end":8.32,"sentiment":"neutral","sentiment_score":0.25343674421310425}],"sentiment":"positive","sentiment_score":0.36024487706331104,"num_words":13,"start":2.3999999,"end":8.32},{"sentences":[{"text":"Good.","start":8.32,"end":8.8,"sentiment":"positive","sentiment_score":0.4496316909790039},{"text":"Thank you.","start":8.8,"end":9.62,"sentiment":"positive","sentiment_score":0.5111711472272873},{"text":"Oh my lord.","start":13.195,"end":14.174999,"sentiment":"neutral","sentiment_score":-0.24661827087402344},{"text":"Slowly.","start":14.315,"end":14.815,"sentiment":"neutral","sentiment_score":-0.196247860789299},{"text":"I think I'm still still a little bit, unfortunately, under the weather, but we're we're right and rearing and pushing through.","start":15.275,"end":22.255,"sentiment":"neutral","sentiment_score":-0.19272129166693913}],"sentiment":"neutral","sentiment_score":-0.12540270760655403,"num_words":28,"start":8.32,"end":22.255},{"sentences":[{"text":"I think just pushing too hard for too long happens, unfortunately.","start":24.864998,"end":28.85,"sentiment":"negative","sentiment_score":-0.4325858476487073},{"text":"Now I've gone through and put together the advice based on the conversation that we had, and I've sent you an email not too long ago with reference to, like, the documents.","start":32.27,"end":45.664997,"sentiment":"neutral","sentiment_score":0.08794001251226291},{"text":"That way, we can go through them together rather than me just talk at you.","start":45.664997,"end":49.024998,"sentiment":"neutral","sentiment_score":0.08553957889477412},{"text":"You have something to actually reference what I'm talking about.","start":49.024998,"end":52.004997,"sentiment":"neutral","sentiment_score":0.011717850458808243},{"text":"No.","start":55.024998,"end":55.184998,"sentiment":"neutral","sentiment_score":-0.12522414326667786}],"sentiment":"neutral","sentiment_score":-0.009700230130439868,"num_words":69,"start":24.864998,"end":55.184998},{"sentences":[{"text":"That's absolutely okay.","start":55.184998,"end":56.405,"sentiment":"neutral","sentiment_score":-0.13631044576565424},{"text":"Oh, well, technology is never on my side.","start":81.775,"end":84.595,"sentiment":"neutral","sentiment_score":-0.15408030059188604},{"text":"It arrives in a minute then because I sent it just before I called you.","start":85.979996,"end":89.6,"sentiment":"neutral","sentiment_score":-0.042408460502823195},{"text":"Is it now?","start":94.619995,"end":95.52,"sentiment":"neutral","sentiment_score":0.0778406485915184},{"text":"The one that says statement of advice rather than appendix.","start":99.435,"end":102.975,"sentiment":"neutral","sentiment_score":0.018272912502288817}],"sentiment":"neutral","sentiment_score":-0.047729476378896296,"num_words":39,"start":55.184998,"end":102.975},{"sentences":[{"text":"Okay.","start":111.369995,"end":111.869995,"sentiment":"neutral","sentiment_score":0.00678996043279767},{"text":"Page one.","start":112.17,"end":112.81,"sentiment":"neutral","sentiment_score":0.003909069579094648},{"text":"No.","start":112.81,"end":113.31,"sentiment":"neutral","sentiment_score":-0.021645665168762207},{"text":"So the document, at at its entirety, is basically like, the advice that I've set out, it entails the steps that we're gonna take to put the advice in place should you accept it and goes from there.","start":115.369995,"end":128.275,"sentiment":"neutral","sentiment_score":0.061948795802891254},{"text":"And now it does center around your, like, your your your superannuation.","start":128.275,"end":136.79,"sentiment":"neutral","sentiment_score":0.04459814541041851}],"sentiment":"neutral","sentiment_score":0.05337397073809472,"num_words":54,"start":111.369995,"end":136.79},{"sentences":[{"text":"Obviously, your insurance, because you do have an insurance policy in place already for Australian Super.","start":138.45,"end":144.31,"sentiment":"neutral","sentiment_score":0.04383536160457879},{"text":"I did take into account your your mortgage and what that looks like to pay it off.","start":144.68999,"end":152.015,"sentiment":"neutral","sentiment_score":0.006638183861094362},{"text":"And then as we discussed during our meeting, you did originally come to me a little bit more heavily on the business management side wanting to look at what that might look like.","start":152.955,"end":162.88,"sentiment":"neutral","sentiment_score":0.09118031202392145},{"text":"But I guess until we have a little bit more of a a goal orientated about how we're going to or what we're going to do, I can't delve too too deeply into it.","start":163.98001,"end":173.5,"sentiment":"neutral","sentiment_score":0.043638415853766835},{"text":"But we did have that those really good discussions and originally met around some of the areas we could look into moving forward with regards to where we're gonna go.","start":173.5,"end":185.67499,"sentiment":"positive","sentiment_score":0.4999682938059171}],"sentiment":"neutral","sentiment_score":0.1561993858562066,"num_words":130,"start":138.45,"end":185.67499},{"sentences":[{"text":"So that's where that currently kinda sits on that front.","start":186.69499,"end":189.0,"sentiment":"neutral","sentiment_score":0.13690078407526016},{"text":"Now with with respect to, I guess, the the the document, it obviously details, like, the assets that you you listed and and assets provided.","start":189.96,"end":205.105,"sentiment":"neutral","sentiment_score":0.09053377777338029},{"text":"Obviously, the mortgage, I guess, not mortgage receipt, but the mortgage statement showed me where your mortgage is sitting as at when that statement was pulled.","start":206.205,"end":217.33,"sentiment":"neutral","sentiment_score":0.008509374438570095},{"text":"So it's sitting around that 620, which is what we discussed anyway.","start":217.33,"end":220.31,"sentiment":"neutral","sentiment_score":0.053277180374910436},{"text":"And then you have a little bit sitting in your offset account, which I know is a little bit fluid.","start":220.69,"end":223.99,"sentiment":"neutral","sentiment_score":0.0382531319744885}],"sentiment":"neutral","sentiment_score":0.05653747123095297,"num_words":93,"start":186.69499,"end":223.99},{"sentences":[{"text":"Then we have, obviously, your PPR and the current value.","start":226.45,"end":229.35,"sentiment":"neutral","sentiment_score":0.035599098168313505},{"text":"I looked it up to see where that's at, and then, obviously, based on the commercial property, the valuation you gave me.","start":229.41,"end":239.795,"sentiment":"neutral","sentiment_score":0.05463350970636715},{"text":"Now because like, we we spoke about, like, the mortgage.","start":241.935,"end":246.39,"sentiment":"neutral","sentiment_score":0.045163751021027564},{"text":"We spoke about wanting to make sure that we're paying out, you know, the mortgage on your property and and having you pay and and where that was gonna sit.","start":246.39,"end":255.99,"sentiment":"neutral","sentiment_score":0.05337453708052635},{"text":"I did obviously take the mortgage into consideration.","start":255.99,"end":258.09,"sentiment":"neutral","sentiment_score":0.11958121787756681}],"sentiment":"neutral","sentiment_score":0.05709314451087266,"num_words":80,"start":226.45,"end":258.09},{"sentences":[{"text":"You know, you you did give me sort of about a five year timeline for the business and where that was looking at.","start":259.625,"end":265.005,"sentiment":"neutral","sentiment_score":0.1096859454460766},{"text":"And I have sort of looked at that, and I wanted to talk you through a couple of, like, options and stuff like that just to kind of open up further discussion as we go through.","start":266.42502,"end":274.2,"sentiment":"neutral","sentiment_score":0.22779115703370836},{"text":"I do have formal recommendations, but I also have a couple, I guess, discussion points that we can continue kind of working on moving forward as well.","start":274.28,"end":281.98,"sentiment":"neutral","sentiment_score":0.3160478698986548},{"text":"So, anyway, let's keep going.","start":283.64,"end":285.02002,"sentiment":"neutral","sentiment_score":0.2488352030515671},{"text":"Now as I said, your your Australian Super does currently have insurance in it.","start":287.055,"end":291.695,"sentiment":"neutral","sentiment_score":0.057408406133098264}],"sentiment":"neutral","sentiment_score":0.20289947225579194,"num_words":105,"start":259.625,"end":291.695},{"sentences":[{"text":"You have 200,000 of life insurance, and you have total permanent disability of a 100,000.","start":291.695,"end":296.435,"sentiment":"neutral","sentiment_score":0.028863563016057015},{"text":"Only cost you about $200 a week sorry, an annum for for that cover.","start":296.815,"end":303.68,"sentiment":"neutral","sentiment_score":0.03659708518534899},{"text":"So I did obviously consider that that amount when I looked at at what you currently hold with AustralianSuper and and then the all of the the benefits that AustralianSuper is giving you.","start":304.3,"end":316.75497,"sentiment":"neutral","sentiment_score":0.2129026543010365},{"text":"Now when we spoke and met, when we were talking, we we, you know, we did talk about investments.","start":318.25497,"end":326.835,"sentiment":"neutral","sentiment_score":0.04539295864340506},{"text":"We talked about where things fit.","start":326.895,"end":328.495,"sentiment":"neutral","sentiment_score":0.074115635206302}],"sentiment":"neutral","sentiment_score":0.10664666960037303,"num_words":87,"start":291.695,"end":328.495},{"sentences":[{"text":"And you so when we invest, we there's multiple different avenues that we can invest in and when it comes to taking on risk.","start":328.495,"end":338.53998,"sentiment":"neutral","sentiment_score":0.0667113132464389},{"text":"Now with respect to risk, there's probably three different classifications.","start":339.24,"end":344.3,"sentiment":"neutral","sentiment_score":-0.043110741302371025},{"text":"One of them comes down to risk profile, and what risk profile means is it's referencing specifically what percentage or what what amount of the asset is actually invested in the market versus what amount is conservatively held.","start":346.70502,"end":365.72998,"sentiment":"neutral","sentiment_score":-0.060614444021331634},{"text":"Now you've got, like, an an aggressive investor that's someone that's, you know I mean, you've you've got someone that's really aggressive that's basically, like, you know, red or black at the casino.","start":367.46997,"end":377.655,"sentiment":"neutral","sentiment_score":-0.01608612241618561},{"text":"But you you've got an aggressive investor that's basically a 100% invested or more because you can also have gearing where, you know, you borrow money to invest.","start":377.715,"end":387.41498,"sentiment":"neutral","sentiment_score":0.05173884491835322}],"sentiment":"neutral","sentiment_score":-0.0016205951123309315,"num_words":133,"start":328.495,"end":387.41498},{"sentences":[{"text":"That's where the or more than a 100% comes from, all the way down to someone who is extremely conservative, basically has their money in cash only.","start":387.77002,"end":396.75,"sentiment":"neutral","sentiment_score":-0.005778797246791699},{"text":"You came out sort of in that mid range upper mid range where you're you're probably not currently invested as suitably as you could be.","start":398.33002,"end":411.275,"sentiment":"neutral","sentiment_score":-0.123720181286335},{"text":"And the reason you kinda came out there is a the time horizon before you can access this specific act asset.","start":412.13498,"end":420.21,"sentiment":"neutral","sentiment_score":-0.1323195310930411},{"text":"But, also, when we were talking, just some of the the like, the information you actually provided and where you're wanting to head does gear you more towards that sort of what we call a balanced growth.","start":421.15,"end":433.245,"sentiment":"neutral","sentiment_score":0.06604043454737277},{"text":"But, realistically, what is what we reference as a a seventy thirty investment split.","start":433.245,"end":437.665,"sentiment":"neutral","sentiment_score":0.03979649607624326}],"sentiment":"neutral","sentiment_score":-0.024412057963350126,"num_words":124,"start":387.77002,"end":437.665},{"sentences":[{"text":"The name and terminology changes depending on what provider you speak to and everything like that.","start":438.845,"end":443.165,"sentiment":"neutral","sentiment_score":0.012471751892007887},{"text":"So the name balanced growth doesn't mean anything, but, realistically, what it comes down to is a seventy thirty split.","start":443.165,"end":448.49,"sentiment":"neutral","sentiment_score":0.028695282991975546},{"text":"There's a bit of information and graphs and stuff like that that kind of explain a little bit more.","start":451.11,"end":455.29,"sentiment":"neutral","sentiment_score":0.030446990540153103},{"text":"I'm not gonna bore you with reading it verbatim.","start":455.66998,"end":458.57,"sentiment":"neutral","sentiment_score":-0.07027546813090642},{"text":"Yeah.","start":461.675,"end":462.175,"sentiment":"neutral","sentiment_score":0.19372975826263428}],"sentiment":"neutral","sentiment_score":0.014049185468600347,"num_words":65,"start":438.845,"end":462.175},{"sentences":[{"text":"This is why the visual aids are nice.","start":462.715,"end":464.495,"sentiment":"positive","sentiment_score":0.39805903285741806},{"text":"Now what my recommendation ultimately comes down to is I looked at your Australian Superfund, and the investment that you currently have in Australian Super, whilst it would obviously be changed, and we could maneuver it, and I'd obviously looked at other options under Australian Super and what that could look like.","start":467.51498,"end":488.145,"sentiment":"neutral","sentiment_score":0.07479284983128309},{"text":"But your current investments with AustralianSuper, you're sort of sitting at a fifty five forty five.","start":488.625,"end":493.205,"sentiment":"neutral","sentiment_score":-0.023981095757335424},{"text":"So 55% sitting in, like, gross assets, so intended to grow your investment, and then about 45 sitting defensively.","start":493.26498,"end":503.01,"sentiment":"neutral","sentiment_score":0.01607520442063871},{"text":"So it's quite conservative given your age.","start":505.31,"end":508.35,"sentiment":"neutral","sentiment_score":0.0042344666352229455}],"sentiment":"neutral","sentiment_score":0.06887326541575878,"num_words":102,"start":462.715,"end":508.35},{"sentences":[{"text":"You'll you still got quite a while before you can touch your super asset, so it's not doing you any justice.","start":508.35,"end":515.745,"sentiment":"neutral","sentiment_score":-0.09675513190172967},{"text":"I also looked at, obviously, other investment options under AustralianSuper because AustralianSuper does have whilst limited, they do have other options.","start":516.045,"end":525.02496,"sentiment":"neutral","sentiment_score":-0.016992778960792793},{"text":"And none of the other options gave me the confidence or the outcome that I was wanting to try and strive towards for you to try and get you the outcome that was gonna give you a decent amount of money and basically put you back on track post your payout to your ex wife.","start":526.125,"end":548.685,"sentiment":"neutral","sentiment_score":0.256133126061071},{"text":"No.","start":556.52,"end":556.68005,"sentiment":"neutral","sentiment_score":-0.02279232256114483},{"text":"Heck.","start":556.68005,"end":557.08,"sentiment":"neutral","sentiment_score":0.004907010123133659}],"sentiment":"neutral","sentiment_score":0.11798717669502955,"num_words":99,"start":508.35,"end":557.08},{"sentences":[{"text":"Yeah.","start":557.08,"end":557.4,"sentiment":"neutral","sentiment_score":0.020309001207351685},{"text":"Yeah.","start":557.4,"end":557.9,"sentiment":"neutral","sentiment_score":0.027860965579748154},{"text":"There's a graph on 17, and then yep.","start":558.2,"end":561.0,"sentiment":"neutral","sentiment_score":0.032763920491561294},{"text":"You're looking at oh, yep.","start":561.0,"end":563.16003,"sentiment":"neutral","sentiment_score":0.036903084442019465},{"text":"You're looking at, like, the fee comparison table?","start":563.16003,"end":565.9,"sentiment":"neutral","sentiment_score":0.03148874477483332}],"sentiment":"neutral","sentiment_score":0.03246550917949365,"num_words":23,"start":557.08,"end":565.9},{"sentences":[{"text":"Yep.","start":566.745,"end":567.245,"sentiment":"neutral","sentiment_score":0.052622657269239426},{"text":"Oh, the actual pie graph.","start":571.145,"end":572.60504,"sentiment":"neutral","sentiment_score":0.016265720874071122},{"text":"Yep.","start":572.745,"end":573.245,"sentiment":"neutral","sentiment_score":0.06079759821295738},{"text":"Yeah.","start":575.22504,"end":575.72504,"sentiment":"neutral","sentiment_score":0.06513825803995132},{"text":"So what it what it lays out so the the actual graph is is the actual, like, proposed asset allocation.","start":580.76,"end":594.69495,"sentiment":"neutral","sentiment_score":0.06831906009465456}],"sentiment":"neutral","sentiment_score":0.058081011420914104,"num_words":28,"start":566.745,"end":594.69495},{"sentences":[{"text":"So the risk profile is basically, like, an algorithm that we've drawn up that we always aim to sort of hit or have a variance of sort of few percentile either either side within those different out assets.","start":597.475,"end":611.87,"sentiment":"neutral","sentiment_score":0.006948521850924743},{"text":"Your existing is obviously where your Australian super sits.","start":612.57,"end":615.15,"sentiment":"neutral","sentiment_score":0.058066919445991516},{"text":"Proposed is basically the assets that I've chosen for you to meet up with that risk profile, never gonna get exactly because I don't wanna always get exactly on the risk profile.","start":615.93,"end":627.10504,"sentiment":"neutral","sentiment_score":0.046185918734408915},{"text":"The risk profile is a guideline, not a rule, and I wanna make sure that I'm obviously using that as a guide so that way I'm not putting you into assets that are really, really, really risky or, you know, not not investing outside of the risk profile that you sort of score in unless it's completely necessary.","start":627.10504,"end":648.70996,"sentiment":"neutral","sentiment_score":-0.12050813918226752},{"text":"And there are obviously cases where, you know, investing outside of risk profile can be necessary.","start":649.305,"end":654.84503,"sentiment":"neutral","sentiment_score":-0.21239434741437435}],"sentiment":"neutral","sentiment_score":-0.053092719780074224,"num_words":153,"start":597.475,"end":654.84503},{"sentences":[{"text":"But, realistically and ultimately, what I wanna do is I wanna sort of hit that rough variance with that risk profile but get assets that are actually gonna work for you.","start":655.865,"end":666.12,"sentiment":"neutral","sentiment_score":0.15516179607760522},{"text":"And if you pop back up to the investments table where it's Yeah.","start":666.12,"end":674.54,"sentiment":"neutral","sentiment_score":0.09216925988976772},{"text":"Yeah.","start":674.76,"end":675.26,"sentiment":"neutral","sentiment_score":0.13626264035701752},{"text":"Where it's got all the fun words and numbers.","start":676.065,"end":680.005,"sentiment":"neutral","sentiment_score":0.1980994095404943},{"text":"It sort of shows you, I guess, like, with the actual breakdown.","start":680.465,"end":683.505,"sentiment":"neutral","sentiment_score":0.13124476559460163}],"sentiment":"neutral","sentiment_score":0.1439744025807489,"num_words":66,"start":655.865,"end":683.505},{"sentences":[{"text":"So currently, restraints Australian Superfund has those two holdings.","start":683.505,"end":688.485,"sentiment":"neutral","sentiment_score":0.0696278168923325},{"text":"So you've got the Australian shares holding and then the conservative holding.","start":689.24,"end":692.44,"sentiment":"neutral","sentiment_score":0.08497929976632197},{"text":"That's just the the investment name that Australia Super give them.","start":692.44,"end":696.13995,"sentiment":"neutral","sentiment_score":0.11178625984625383},{"text":"And what the weighting is that you currently hold, it's structured exactly from your report.","start":697.0,"end":701.57996,"sentiment":"neutral","sentiment_score":0.05957968731721242},{"text":"And, obviously, the the value based on the report, obviously, it fluctuates and moves, but it's a stagnant in time.","start":702.77496,"end":708.795,"sentiment":"neutral","sentiment_score":-0.20277473255991935}],"sentiment":"neutral","sentiment_score":-0.004264903491112723,"num_words":67,"start":683.505,"end":708.795},{"sentences":[{"text":"And what we're recommending is we obviously sell out of all of that, which is why there's that negative sell amount.","start":710.21497,"end":715.435,"sentiment":"neutral","sentiment_score":-0.2621128034024012},{"text":"We're targeting to have 0%, $0 in that account.","start":715.575,"end":719.98,"sentiment":"neutral","sentiment_score":-0.13374998337692684},{"text":"So realistically, the the recommendation is that we move a 100% of the assets out of AustralianSuper, and we move over to Hub twenty four as, like, the new investment product.","start":719.98,"end":729.36,"sentiment":"neutral","sentiment_score":0.06150974740364378},{"text":"I looked at multiple different providers.","start":730.665,"end":732.665,"sentiment":"neutral","sentiment_score":-0.037634577602148056},{"text":"So Hub twenty fours, like, we're not attached to Hub twenty four.","start":732.665,"end":735.865,"sentiment":"neutral","sentiment_score":-0.055295056818674006}],"sentiment":"neutral","sentiment_score":-0.07203373037679475,"num_words":79,"start":710.21497,"end":735.865},{"sentences":[{"text":"We don't get kicked back to Hub twenty four or any of the investments we we recommend.","start":735.865,"end":739.40497,"sentiment":"neutral","sentiment_score":-0.06291911970166598},{"text":"I recommended Hub twenty four because it gave a wider investment option offering, and it these were better aligned to where I wanna head.","start":740.105,"end":752.38995,"sentiment":"positive","sentiment_score":0.33678326321144897},{"text":"So we're not paying the, you know, constant buy sell costs.","start":752.44995,"end":755.75,"sentiment":"neutral","sentiment_score":0.01939120719378645},{"text":"We can actually do what's called aggregate trading.","start":755.88995,"end":758.38995,"sentiment":"neutral","sentiment_score":0.18654154986143112},{"text":"So if we wanna, say, move any of the assets later in down the line because this is not set to get.","start":758.79504,"end":764.395,"sentiment":"neutral","sentiment_score":0.023875078186392784}],"sentiment":"neutral","sentiment_score":0.11273244732036823,"num_words":82,"start":735.865,"end":764.395},{"sentences":[{"text":"You know?","start":764.395,"end":764.79504,"sentiment":"neutral","sentiment_score":-0.02116031013429165},{"text":"There are gonna come times where, say, maybe Europe's not doing so well, and we wanna pull a little bit out of Europe, you know, not say all of it, but pull a little bit out of Europe and redistribute some of the waiting elsewhere, then we can do that without incurring buy sell cost within the plat it's I so it trades within itself.","start":764.79504,"end":783.87,"sentiment":"neutral","sentiment_score":0.007891545444726944},{"text":"Now have you ever heard of tab 24 before?","start":786.095,"end":788.175,"sentiment":"neutral","sentiment_score":-0.0042329901415440775},{"text":"And a lot of people haven't because it is what's called a retail provider.","start":788.175,"end":791.39496,"sentiment":"neutral","sentiment_score":-0.025808376326624836},{"text":"So they're not a provider that you know?","start":791.615,"end":793.875,"sentiment":"neutral","sentiment_score":-0.035497336415573955}],"sentiment":"neutral","sentiment_score":-0.002171051403393551,"num_words":98,"start":764.395,"end":793.875},{"sentences":[{"text":"Yeah.","start":808.99,"end":809.325,"sentiment":"neutral","sentiment_score":0.003120187669992447},{"text":"Perfect.","start":811.325,"end":811.825,"sentiment":"positive","sentiment_score":0.4660760164260864},{"text":"So, yeah, all of these assets are available on the ASX.","start":812.925,"end":815.745,"sentiment":"neutral","sentiment_score":0.13635915585539557},{"text":"So the assets that I've recommended for which there are eight of them, realistically, your top four are what's called growth satellite the satellites.","start":816.685,"end":829.2,"sentiment":"neutral","sentiment_score":0.11964803095906973},{"text":"So those assets are growth assets, so they're intended to grow your your balance, but they are satellite.","start":829.9,"end":837.635,"sentiment":"neutral","sentiment_score":0.11410052246517605}],"sentiment":"neutral","sentiment_score":0.12535471028902315,"num_words":55,"start":808.99,"end":837.635},{"sentences":[{"text":"So they're only a small holding across all four of them.","start":837.635,"end":839.71497,"sentiment":"neutral","sentiment_score":0.08134530010548505},{"text":"So you'll see it's anywhere between 37%.","start":839.71497,"end":842.375,"sentiment":"neutral","sentiment_score":0.10978607939822334},{"text":"And all of them are there to diversify you out, not have a a huge, you know, asset allocation within those those areas, but they're there to essentially give you the diversification and act as a small asset to grow your farm.","start":843.875,"end":862.905,"sentiment":"neutral","sentiment_score":0.28679017580690835},{"text":"You'll then notice that the next two, which is your IVV and your a 200 or your S and P five 100 and your Australia 200, they are what's called the core of your investment.","start":863.465,"end":875.565,"sentiment":"neutral","sentiment_score":0.16391618315662657},{"text":"So the majority of holdings sit there, and that core is there acting to obviously still grow your balance, but they are a good, reliable, steady growth asset.","start":875.625,"end":886.33997,"sentiment":"positive","sentiment_score":0.4242728315293789}],"sentiment":"neutral","sentiment_score":0.25467637344831373,"num_words":123,"start":837.635,"end":886.33997},{"sentences":[{"text":"Where your your top four have a little bit more risk variance through them, These two have a lot more stability to them.","start":887.27997,"end":894.905,"sentiment":"neutral","sentiment_score":0.005753161952547405},{"text":"Then you have what is basically your more defensive asset.","start":895.525,"end":899.445,"sentiment":"neutral","sentiment_score":0.032219766080379485},{"text":"So gold is kind of a bit of a fifty fifty.","start":899.445,"end":902.265,"sentiment":"neutral","sentiment_score":0.06513970683921468},{"text":"It is a growth asset, but it's also technically a a a value it's more on the lines of a value asset than a growth or a defensive asset.","start":902.565,"end":911.62,"sentiment":"neutral","sentiment_score":0.07199931324555955},{"text":"So that's why it kinda sits basically halfway between.","start":911.68,"end":914.58,"sentiment":"neutral","sentiment_score":0.05449412763118744}],"sentiment":"neutral","sentiment_score":0.04572541943592269,"num_words":82,"start":887.27997,"end":914.58},{"sentences":[{"text":"So it's a value asset, so it's there to give you value.","start":915.2,"end":917.94,"sentiment":"neutral","sentiment_score":0.32944978897770244},{"text":"It does obviously have decent growth to it, but also it's a bit of a cushion when the market goes down.","start":918.72003,"end":925.065,"sentiment":"neutral","sentiment_score":0.32514884216444834},{"text":"Gold generally holds its value pretty well.","start":925.285,"end":927.385,"sentiment":"positive","sentiment_score":0.33687364203589304},{"text":"So we have a value there, and then you've got your your defensive asset.","start":928.085,"end":933.525,"sentiment":"neutral","sentiment_score":0.25029491420303074},{"text":"So that's that core composite bond where you've got ass where you've got two or 24% held there.","start":933.525,"end":939.78,"sentiment":"neutral","sentiment_score":0.17825189563963148}],"sentiment":"neutral","sentiment_score":0.27572641066379017,"num_words":72,"start":915.2,"end":939.78},{"sentences":[{"text":"Now the core composite bond underlying within that fund so while there's only eight funds that I've recommended.","start":940.32,"end":949.015,"sentiment":"neutral","sentiment_score":0.024920877475071594},{"text":"The asset number under those so each of those assets holds multiple securities.","start":949.795,"end":956.055,"sentiment":"neutral","sentiment_score":0.010326465448507896},{"text":"So multiple different companies are listed under those.","start":956.195,"end":958.755,"sentiment":"neutral","sentiment_score":0.01381588657386601},{"text":"So, you know, your S and P 500 has quite a number of different securities listed under it.","start":958.755,"end":964.44,"sentiment":"neutral","sentiment_score":0.029677462557123765},{"text":"Same with the the the core composite bond.","start":964.44,"end":966.92,"sentiment":"neutral","sentiment_score":0.036563643952831626}],"sentiment":"neutral","sentiment_score":0.02338539100959539,"num_words":65,"start":940.32,"end":966.92},{"sentences":[{"text":"The actual whole holdings within that are quite vast.","start":966.92,"end":971.74,"sentiment":"neutral","sentiment_score":0.03592181412710084},{"text":"Each of these funds hold anywhere from sort of 10 all the way up to a couple 100 different securities or or stocks.","start":972.04,"end":982.29504,"sentiment":"neutral","sentiment_score":0.036821541781334774},{"text":"Let's call let's call them stocks.","start":982.29504,"end":983.575,"sentiment":"neutral","sentiment_score":0.04936911227802435},{"text":"Make it easier.","start":983.575,"end":984.395,"sentiment":"neutral","sentiment_score":0.14259561896324158},{"text":"So the reason we obviously don't go and specifically buy, say, like, Woolworth stocks or Caltech stocks or anything like that is because, a, that is direct trading, and it will incur a buy and sell.","start":985.97504,"end":1000.60004,"sentiment":"neutral","sentiment_score":-0.152101611201134}],"sentiment":"neutral","sentiment_score":-0.04651252837101748,"num_words":77,"start":966.92,"end":1000.60004},{"sentences":[{"text":"The cost is exponentially large when we're, you know, direct trading to a a a a stock or an asset.","start":1001.38,"end":1009.055,"sentiment":"neutral","sentiment_score":-0.1596614396199584},{"text":"Whereas if we go through and actually have funds that bundle up stocks and shares, it reduces our cost down quite astronomically, and we work with the fund managers as well.","start":1009.675,"end":1020.76,"sentiment":"neutral","sentiment_score":0.24235636428479226},{"text":"So with with all these funds, they're internally trading.","start":1020.76,"end":1025.5599,"sentiment":"neutral","sentiment_score":0.13629803309837976},{"text":"So, you know, your S and P 500 is obviously your your your top forming 500 companies, and that's fluid and moving constantly.","start":1025.5599,"end":1035.275,"sentiment":"neutral","sentiment_score":0.08114344588703597},{"text":"So it's not something, you know, you're having to keep an eye on with respect to, well, what's what's now on the S and P 500, what's on offer, has something been kicked out, you know, do I need to change my waiting?","start":1036.4551,"end":1047.03,"sentiment":"neutral","sentiment_score":-0.09108179277025683}],"sentiment":"neutral","sentiment_score":0.027748277496790423,"num_words":126,"start":1001.38,"end":1047.03},{"sentences":[{"text":"It all happens organically without you needing to do a buy and sell and, obviously, having that higher cost involved.","start":1047.0901,"end":1057.03,"sentiment":"neutral","sentiment_score":-0.07923714965581893},{"text":"Does that all make sense?","start":1058.375,"end":1059.835,"sentiment":"neutral","sentiment_score":-0.006499115005135536},{"text":"Amazing.","start":1063.8949,"end":1064.3949,"sentiment":"positive","sentiment_score":0.4336239993572235},{"text":"Now, obviously, with the changeover of a new provider, we would, you know, we need to move your superannuation contributions and stuff like that.","start":1064.615,"end":1071.095,"sentiment":"neutral","sentiment_score":0.07628202190001805},{"text":"We obviously help you out with with redirecting contributions.","start":1071.095,"end":1074.9801,"sentiment":"neutral","sentiment_score":0.22329535252518123}],"sentiment":"neutral","sentiment_score":0.04503071406003782,"num_words":59,"start":1047.0901,"end":1074.9801},{"sentences":[{"text":"We fill out the forms and send them to you to make sure that they all happen, and we try to make sure that, you know, contributions are land land on our side.","start":1075.1201,"end":1082.7401,"sentiment":"neutral","sentiment_score":0.14048413823184092},{"text":"I know that you're self employed, so you are, by essence, the one that takes care of that.","start":1084.0,"end":1090.865,"sentiment":"neutral","sentiment_score":-0.0021090354356500837},{"text":"But you and your business are two separate entities.","start":1090.865,"end":1096.245,"sentiment":"neutral","sentiment_score":-0.021163799696498446},{"text":"We have to remember that.","start":1096.4651,"end":1097.8451,"sentiment":"neutral","sentiment_score":-0.020690246298909188},{"text":"Oh, cool.","start":1123.15,"end":1123.47,"sentiment":"neutral","sentiment_score":0.2923455834388733}],"sentiment":"neutral","sentiment_score":0.07296686062572781,"num_words":67,"start":1075.1201,"end":1123.47},{"sentences":[{"text":"You skipped Biden head.","start":1123.47,"end":1124.59,"sentiment":"neutral","sentiment_score":0.12887289188802242},{"text":"Okay.","start":1124.59,"end":1124.99,"sentiment":"neutral","sentiment_score":0.0868399441242218},{"text":"Yeah.","start":1124.99,"end":1125.49,"sentiment":"neutral","sentiment_score":0.08187693357467651},{"text":"No.","start":1128.51,"end":1128.8301,"sentiment":"neutral","sentiment_score":-0.09947574883699416},{"text":"You're okay.","start":1128.8301,"end":1129.5701,"sentiment":"neutral","sentiment_score":0.04909900389611721}],"sentiment":"neutral","sentiment_score":0.07588118935624759,"num_words":9,"start":1123.47,"end":1129.5701},{"sentences":[{"text":"Happy to skip ahead and skip back.","start":1140.125,"end":1141.725,"sentiment":"neutral","sentiment_score":0.31469285062381197},{"text":"Like, I'm I mean, I wrote the document, so I'm I'm pretty familiar with it anyway.","start":1141.725,"end":1145.645,"sentiment":"neutral","sentiment_score":0.06854488188400865},{"text":"I don't really need to read it too much.","start":1145.645,"end":1147.745,"sentiment":"neutral","sentiment_score":-0.15517363531721962},{"text":"So outside of that, the following recommendation is really centered around your contributions.","start":1153.88,"end":1160.78,"sentiment":"neutral","sentiment_score":0.0670666849383941},{"text":"Now in the reports you sent, you obviously provided two financial years, which was actually really cool.","start":1161.8,"end":1167.5549,"sentiment":"neutral","sentiment_score":0.2501482060726951}],"sentiment":"neutral","sentiment_score":0.11334502829178687,"num_words":62,"start":1140.125,"end":1167.5549},{"sentences":[{"text":"The one thing I noticed, and we did talk about this anyway, was, like, you're making the additional contributions and that you were going over the your concessional contribution cap.","start":1168.495,"end":1179.65,"sentiment":"neutral","sentiment_score":0.042623869019250075},{"text":"Now what I noticed in the reports was that the 2025 financial year, you hit 28,000 and change.","start":1182.27,"end":1191.135,"sentiment":"neutral","sentiment_score":0.009322918330629667},{"text":"That financial year, the contribution cap was $30,000.","start":1191.435,"end":1195.275,"sentiment":"neutral","sentiment_score":-0.026914438931271434},{"text":"So you fell underneath that cap.","start":1195.275,"end":1197.135,"sentiment":"neutral","sentiment_score":-0.023387110171218712},{"text":"Last financial year that that just closed, so 2026, your contributions were 30.","start":1198.555,"end":1204.335,"sentiment":"neutral","sentiment_score":0.0006650017144588324}],"sentiment":"neutral","sentiment_score":0.014660472671190897,"num_words":75,"start":1168.495,"end":1204.335},{"sentences":[{"text":"Well, I should know this on top of my head.","start":1206.37,"end":1208.39,"sentiment":"neutral","sentiment_score":-0.03395709078758955},{"text":"That's 30 two.","start":1208.53,"end":1209.75,"sentiment":"neutral","sentiment_score":-0.20977570613225302},{"text":"So you you put $10,000 in your, like, personally?","start":1222.305,"end":1226.725,"sentiment":"neutral","sentiment_score":0.08713249696625604},{"text":"Yeah.","start":1226.865,"end":1227.365,"sentiment":"neutral","sentiment_score":0.08492836356163025},{"text":"Do you transfer it as, like, a b pay payment?","start":1229.68,"end":1231.7001,"sentiment":"neutral","sentiment_score":0.05912627223879099}],"sentiment":"neutral","sentiment_score":0.014893500981005755,"num_words":33,"start":1206.37,"end":1231.7001},{"sentences":[{"text":"Yep.","start":1233.68,"end":1234.0,"sentiment":"neutral","sentiment_score":0.21610258519649503},{"text":"No.","start":1234.0,"end":1234.24,"sentiment":"neutral","sentiment_score":0.11782573908567429},{"text":"That's absolutely fine.","start":1234.24,"end":1235.36,"sentiment":"positive","sentiment_score":0.5144096612930298},{"text":"And then you we we we can submit what's called a notice of intent to claim.","start":1235.36,"end":1239.22,"sentiment":"neutral","sentiment_score":0.20945469941943884},{"text":"No.","start":1247.295,"end":1247.795,"sentiment":"neutral","sentiment_score":-0.15749788284301758}],"sentiment":"neutral","sentiment_score":0.23049702800133012,"num_words":22,"start":1233.68,"end":1247.795},{"sentences":[{"text":"No.","start":1248.015,"end":1248.515,"sentiment":"neutral","sentiment_score":-0.197538822889328},{"text":"It goes on to your non concessional, which means that you you pay the tax marginally versus other.","start":1248.895,"end":1257.9199,"sentiment":"neutral","sentiment_score":-0.11996218086116844},{"text":"However, the report that you provided showed that you've already made 32 I think it was 32,000.","start":1258.22,"end":1267.26,"sentiment":"neutral","sentiment_score":0.020552854382378215},{"text":"I have to look at it again.","start":1267.26,"end":1268.2999,"sentiment":"neutral","sentiment_score":-0.04406290075608662},{"text":"But that $32,000 worth of contributions for which the concessional contribution so the the superannuation contribution amount, the last financial year was $30,000, which means you've exceeded it by 2,000, which means you pay extra tax.","start":1268.2999,"end":1285.2251,"sentiment":"neutral","sentiment_score":-0.04044994442827172}],"sentiment":"neutral","sentiment_score":-0.0477480741594977,"num_words":79,"start":1248.015,"end":1285.2251},{"sentences":[{"text":"However, this would mean that you automatically trigger what's called the carry forward rule.","start":1285.285,"end":1291.25,"sentiment":"neutral","sentiment_score":0.1243012361228466},{"text":"I can already see, you know, just based on those two financial years that you would just carry forward the twenty twenty five financial years unused caps.","start":1291.3899,"end":1299.97,"sentiment":"neutral","sentiment_score":0.05228538797409446},{"text":"The $10,000 that you've that you've paid in in cash, depending on whether you have any availability in the last five years, would depend on whether you can whether it makes yeah.","start":1300.565,"end":1317.1,"sentiment":"neutral","sentiment_score":0.006052399752661586},{"text":"Otherwise, you actually may bring up a task that's not advantageous for you.","start":1317.1,"end":1324.0,"sentiment":"neutral","sentiment_score":-0.325798831306971},{"text":"It's easy enough to check by going to myGov and seeing what available cap space you have.","start":1327.515,"end":1333.215,"sentiment":"neutral","sentiment_score":0.09269802349016946}],"sentiment":"neutral","sentiment_score":0.006660982188813894,"num_words":103,"start":1285.285,"end":1333.215},{"sentences":[{"text":"Yes.","start":1335.515,"end":1335.995,"sentiment":"neutral","sentiment_score":0.09708955883979796},{"text":"Yeah.","start":1335.995,"end":1336.495,"sentiment":"neutral","sentiment_score":0.08824048936367035},{"text":"And I know we spoke about the fact that you did have a little bit of room and that we were talking about you doing this anyway, but it's being very careful about not claiming too much.","start":1336.715,"end":1347.3501,"sentiment":"neutral","sentiment_score":-0.09725809862484804},{"text":"Yeah.","start":1349.9701,"end":1350.4701,"sentiment":"neutral","sentiment_score":0.07860564440488815},{"text":"The notice of intent to claim form really easy.","start":1350.53,"end":1353.27,"sentiment":"neutral","sentiment_score":0.29921183817916447}],"sentiment":"neutral","sentiment_score":-0.013096069650990623,"num_words":49,"start":1335.515,"end":1353.27},{"sentences":[{"text":"I'm happy to fill it out for you.","start":1353.7301,"end":1355.825,"sentiment":"positive","sentiment_score":0.6314776316285133},{"text":"But before I would fill it out for you, I would wanna see a screenshot of myGov, realistically.","start":1356.445,"end":1361.745,"sentiment":"neutral","sentiment_score":0.07369831680423683},{"text":"Historically.","start":1365.005,"end":1365.505,"sentiment":"neutral","sentiment_score":0.07223568856716156},{"text":"Yeah.","start":1365.645,"end":1366.145,"sentiment":"neutral","sentiment_score":0.18564800918102264},{"text":"So I can fill that for you.","start":1366.6849,"end":1367.645,"sentiment":"positive","sentiment_score":0.35545592648642405}],"sentiment":"neutral","sentiment_score":0.2606990268187864,"num_words":35,"start":1353.7301,"end":1367.645},{"sentences":[{"text":"That's that's fine.","start":1367.645,"end":1368.365,"sentiment":"positive","sentiment_score":0.4821803569793701},{"text":"I do them every day.","start":1368.365,"end":1369.6649,"sentiment":"positive","sentiment_score":0.4055991470813751},{"text":"Save your paperwork.","start":1369.97,"end":1370.62,"sentiment":"neutral","sentiment_score":0.2737628718217214},{"text":"Okay?","start":1370.62,"end":1371.12,"sentiment":"neutral","sentiment_score":0.1733776181936264},{"text":"So that's net.","start":1388.865,"end":1390.0851,"sentiment":"neutral","sentiment_score":0.11637819806734721}],"sentiment":"neutral","sentiment_score":0.32122250894705456,"num_words":15,"start":1367.645,"end":1390.0851},{"sentences":[{"text":"Both though these figures are net.","start":1390.785,"end":1392.5651,"sentiment":"neutral","sentiment_score":0.02846190705895424},{"text":"So it's it's that takes us up to the the so this financial year, which is 2027 financial year, the cap changed to 32,500.","start":1393.105,"end":1403.49,"sentiment":"neutral","sentiment_score":0.02735771789836387},{"text":"Superannuation, when we talk about concessional contributions, when the contribution is paid in concessionally, the super fund takes out 15%.","start":1404.35,"end":1414.285,"sentiment":"neutral","sentiment_score":-0.0002773439511656761},{"text":"It it pays 15% in tax because the assumption is and and what would would have happened with that money is that it hasn't been packed.","start":1414.665,"end":1423.32,"sentiment":"neutral","sentiment_score":-0.1546542297762174},{"text":"It hasn't been taxed marginally, so they only they tax it at the superannuation rate of 15 percent, which is where we get that twenty seven six twenty five.","start":1423.3999,"end":1433.0199,"sentiment":"neutral","sentiment_score":-0.06308277108674419}],"sentiment":"neutral","sentiment_score":-0.04789143374101037,"num_words":105,"start":1390.785,"end":1433.0199},{"sentences":[{"text":"So that's less than 15%.","start":1433.48,"end":1435.1,"sentiment":"neutral","sentiment_score":-0.06971751973032951},{"text":"Yeah.","start":1437.845,"end":1438.1649,"sentiment":"neutral","sentiment_score":0.05620895326137543},{"text":"So I'm recommending that we we keep to we keep to our $32,500, essentially.","start":1438.1649,"end":1444.745,"sentiment":"neutral","sentiment_score":0.09738876910081931},{"text":"Now based on your income of 120, which I know that you were considering moving it to $1.30, 1 35, whether you've implemented that or not cool.","start":1447.205,"end":1462.005,"sentiment":"neutral","sentiment_score":-0.00497785317539065},{"text":"It's a big question mark.","start":1462.005,"end":1463.4651,"sentiment":"neutral","sentiment_score":-0.33062772154808046}],"sentiment":"neutral","sentiment_score":-0.013778394643360605,"num_words":52,"start":1433.48,"end":1463.4651},{"sentences":[{"text":"But, essentially, what I'm recommending is that based on the $1.20 a $120,000 on the 12 percent worth of contributions, it essentially breaks down that, you know, your your your your additional contributions would just take you up to the cap.","start":1463.925,"end":1490.025,"sentiment":"neutral","sentiment_score":0.03219636487093095},{"text":"In the document, I broke it down into, you know, what how much that would be each week, fortnight, and month for you depending on how you end up paying your contributions.","start":1490.505,"end":1499.405,"sentiment":"neutral","sentiment_score":0.06675921112764627},{"text":"Obviously, we have paid pay contributions coming in now, but I wanted to make sure that I gave you all of the variances to make it easy.","start":1499.465,"end":1508.24,"sentiment":"neutral","sentiment_score":0.13241167394099412},{"text":"Now, obviously, depending on cash flow for the business, you do have the availability to you could pay the lump sum.","start":1510.62,"end":1518.08,"sentiment":"neutral","sentiment_score":0.16243095660493487},{"text":"Contributions can be paid as lump sum as well.","start":1519.995,"end":1522.335,"sentiment":"neutral","sentiment_score":0.11715851558579339}],"sentiment":"neutral","sentiment_score":0.08843798185519587,"num_words":130,"start":1463.925,"end":1522.335},{"sentences":[{"text":"You have a little bit more control in that area.","start":1522.7949,"end":1524.815,"sentiment":"neutral","sentiment_score":0.13428184539079666},{"text":"The downside to that and when I speak to business owners, one of the things I do because I do have a lot of business owners that just hold up on paying their own contributions until end of financial year.","start":1525.115,"end":1535.1,"sentiment":"neutral","sentiment_score":-0.19853594293817878},{"text":"I've seen that you don't do that.","start":1535.1,"end":1536.72,"sentiment":"neutral","sentiment_score":-0.21173316878931864},{"text":"You contribute really regularly.","start":1536.78,"end":1539.84,"sentiment":"neutral","sentiment_score":-0.1789868101477623},{"text":"Yeah.","start":1542.62,"end":1543.12,"sentiment":"neutral","sentiment_score":-0.03761034458875656}],"sentiment":"neutral","sentiment_score":-0.14248885532781,"num_words":62,"start":1522.7949,"end":1543.12},{"sentences":[{"text":"But I do have business owners that do tend to try and lump sum it before end of financial year because they're waiting on cash flow and all the rest of it.","start":1545.255,"end":1554.7151,"sentiment":"neutral","sentiment_score":-0.06635456578806043},{"text":"The downside for that is that yeah.","start":1554.8551,"end":1557.5901,"sentiment":"neutral","sentiment_score":-0.11788034279431615},{"text":"Sorry.","start":1557.5901,"end":1558.0901,"sentiment":"neutral","sentiment_score":-0.13724938035011292},{"text":"Yeah.","start":1568.2301,"end":1568.7301,"sentiment":"neutral","sentiment_score":-0.010579725727438928},{"text":"No.","start":1568.87,"end":1569.1901,"sentiment":"neutral","sentiment_score":-0.004779364913702011}],"sentiment":"neutral","sentiment_score":-0.07383611847070001,"num_words":42,"start":1545.255,"end":1569.1901},{"sentences":[{"text":"Good.","start":1569.1901,"end":1569.51,"sentiment":"neutral","sentiment_score":0.1512899249792099},{"text":"And I would recommend that we keep doing that Purely and simply, a, it means your dollar cost averaging.","start":1569.51,"end":1575.5851,"sentiment":"neutral","sentiment_score":0.16904380995976298},{"text":"So you're buying in at different sections of the market constantly across time rather than just luck of the draw, dump the money in on a day, and you're gonna buy in, you know, $30 worth of.","start":1576.2051,"end":1587.745,"sentiment":"neutral","sentiment_score":0.06529193885020308},{"text":"Correct.","start":1588.98,"end":1589.38,"sentiment":"neutral","sentiment_score":0.17973780632019043},{"text":"Don't be wrong.","start":1589.38,"end":1589.86,"sentiment":"neutral","sentiment_score":0.15220839281876883}],"sentiment":"neutral","sentiment_score":0.10516863994178224,"num_words":61,"start":1569.1901,"end":1589.86},{"sentences":[{"text":"If it's low, massive win, but there's no guarantees.","start":1589.86,"end":1594.04,"sentiment":"neutral","sentiment_score":0.08737427327367994},{"text":"Whereas your dollar cost average has a better compounding outcome than lump sum contributions do.","start":1594.18,"end":1601.16,"sentiment":"neutral","sentiment_score":0.22893833418687184},{"text":"So your the contributions that I'm recommending with respect to ongoing basically amounts to the 32,500.","start":1603.365,"end":1613.7051,"sentiment":"neutral","sentiment_score":0.043439898756332695},{"text":"So if you do obviously increase your wage, just making sure that we tailor the the contribution that yep.","start":1614.3251,"end":1622.9099,"sentiment":"neutral","sentiment_score":0.05532689863129666},{"text":"Exactly.","start":1622.97,"end":1623.47,"sentiment":"neutral","sentiment_score":0.14280621707439425}],"sentiment":"neutral","sentiment_score":0.10182498572394252,"num_words":60,"start":1589.86,"end":1623.47},{"sentences":[{"text":"So not exceed that on that front.","start":1624.1699,"end":1626.27,"sentiment":"neutral","sentiment_score":0.10731950402259827},{"text":"But that sure makes sense.","start":1626.89,"end":1628.35,"sentiment":"neutral","sentiment_score":0.07231601849198341},{"text":"And there's obviously the the tax benefits, which for you, the tax benefits are a bit wishy washy because, obviously, it's the business that's that's paying a lot of it and and the the less yourself.","start":1628.49,"end":1641.335,"sentiment":"neutral","sentiment_score":-0.11330561940040854},{"text":"Yep.","start":1662.4651,"end":1662.9651,"sentiment":"neutral","sentiment_score":0.09289072453975676},{"text":"Longevity wise.","start":1683.5349,"end":1684.6749,"sentiment":"neutral","sentiment_score":0.09020539373159409}],"sentiment":"neutral","sentiment_score":-0.05280165030967956,"num_words":51,"start":1624.1699,"end":1684.6749},{"sentences":[{"text":"But that without having because I there's obviously a lot of there's a lot of oh my gosh.","start":1686.6549,"end":1697.27,"sentiment":"neutral","sentiment_score":0.00012306865472863946},{"text":"The word there's a lot of other variant variables that would need to be considered, but I always like just having a, I guess, a bit of a snapshot of, well, you know, if we ignore everything else, we just have your super.","start":1697.27,"end":1712.995,"sentiment":"neutral","sentiment_score":0.042423849189004235},{"text":"This is basically if we did a drawdown, this is what it would look like.","start":1713.1349,"end":1716.2749,"sentiment":"neutral","sentiment_score":0.02466901425117006},{"text":"I did age 60 because you can't retire today, but, yeah, from age 60 through, basically, the value that you have within the funds come age 60, so sort of thirteen years' time, what that looks like, how much money you would have, and what that longevity is.","start":1719.695,"end":1735.89,"sentiment":"neutral","sentiment_score":0.029420627552705508},{"text":"Again, Centrelink wasn't factored in, and and that would become a factor anyway.","start":1736.11,"end":1743.1951,"sentiment":"neutral","sentiment_score":-0.009569184568065863}],"sentiment":"neutral","sentiment_score":0.025432603560765377,"num_words":137,"start":1686.6549,"end":1743.1951},{"sentences":[{"text":"You know, you you you currently have, you know, the the the the business that could be sold and then the and the building and stuff like that.","start":1745.975,"end":1752.48,"sentiment":"neutral","sentiment_score":0.007268737469400678},{"text":"Again, not factored in.","start":1752.96,"end":1754.16,"sentiment":"neutral","sentiment_score":-0.02903932728804648},{"text":"There's a big question mark.","start":1754.16,"end":1755.54,"sentiment":"neutral","sentiment_score":-0.0644148662686348},{"text":"Correct.","start":1760.72,"end":1761.22,"sentiment":"neutral","sentiment_score":0.1801152378320694},{"text":"Yeah.","start":1767.615,"end":1767.855,"sentiment":"neutral","sentiment_score":0.13836082816123962}],"sentiment":"neutral","sentiment_score":0.0021479249907991826,"num_words":39,"start":1745.975,"end":1767.855},{"sentences":[{"text":"That's okay.","start":1767.855,"end":1768.675,"sentiment":"neutral","sentiment_score":0.16057418286800385},{"text":"The the tax implications and salary sacrifice and such like that.","start":1778.35,"end":1782.93,"sentiment":"neutral","sentiment_score":-0.09712794863364914},{"text":"Okay.","start":1789.31,"end":1789.81,"sentiment":"neutral","sentiment_score":0.003732426092028618},{"text":"Yep.","start":1795.185,"end":1795.425,"sentiment":"neutral","sentiment_score":0.0901382714509964},{"text":"I'm with you.","start":1795.425,"end":1796.325,"sentiment":"neutral","sentiment_score":0.11464058359464009}],"sentiment":"neutral","sentiment_score":-0.017192590050399303,"num_words":18,"start":1767.855,"end":1796.325},{"sentences":[{"text":"So I had a look at insurance, and we did speak a bit of it a bit about insurance as well.","start":1798.145,"end":1802.545,"sentiment":"neutral","sentiment_score":0.045305294916033745},{"text":"But I had a look at it, and I looked at the, I guess, the the implications of having it versus not having a policy.","start":1802.545,"end":1810.5701,"sentiment":"neutral","sentiment_score":-0.0026202826201915737},{"text":"Now I looked at in the event that you would have passed away, and we spoke about this as well, in the event that you would have passed away, the kids essentially get a house and they get the building, the commercial building.","start":1811.43,"end":1824.755,"sentiment":"neutral","sentiment_score":0.02633074328823145},{"text":"Business building.","start":1825.455,"end":1826.255,"sentiment":"neutral","sentiment_score":0.16411899030208588},{"text":"Yep.","start":1826.255,"end":1826.755,"sentiment":"neutral","sentiment_score":0.287261426448822}],"sentiment":"neutral","sentiment_score":0.02862636408890071,"num_words":92,"start":1798.145,"end":1826.755},{"sentences":[{"text":"So they are readily looked after.","start":1827.0549,"end":1830.0349,"sentiment":"positive","sentiment_score":0.45210400223731995},{"text":"They'd walk away with easy a mil each.","start":1830.735,"end":1833.635,"sentiment":"positive","sentiment_score":0.4917419068515301},{"text":"And as we discussed, you were quite happy with that.","start":1834.8401,"end":1837.2401,"sentiment":"positive","sentiment_score":0.5793544232845307},{"text":"With them having that, that sets them up without, you know, giving them an additional benefit for, you know, no real reason that you're having to pay the premiums on.","start":1837.2401,"end":1846.14,"sentiment":"neutral","sentiment_score":0.21701731880505878},{"text":"I looked at total and permanent disability.","start":1847.8949,"end":1849.6549,"sentiment":"neutral","sentiment_score":0.002975948196503201}],"sentiment":"neutral","sentiment_score":0.31100745414112707,"num_words":61,"start":1827.0549,"end":1849.6549},{"sentences":[{"text":"And as we spoke about, theoretically speaking, the business could operate without you.","start":1849.6549,"end":1854.315,"sentiment":"neutral","sentiment_score":-0.07255419085805233},{"text":"You know, you'd obviously have to get someone in, and and there would be a a few things that, you know, would probably cause a bit of headache.","start":1856.455,"end":1863.83,"sentiment":"neutral","sentiment_score":-0.23110738290207727},{"text":"But other than that, again, the building could be sold that your current house could be sold, and downsizing could definitely happen.","start":1864.13,"end":1870.23,"sentiment":"neutral","sentiment_score":-0.11944927681576122},{"text":"And then we also spoke about income protection, which is basically if you were short term ill or injured.","start":1872.29,"end":1877.35,"sentiment":"neutral","sentiment_score":-0.07215908454044868},{"text":"And, again, we had that conversation.","start":1877.895,"end":1879.3351,"sentiment":"neutral","sentiment_score":0.021045670223732788}],"sentiment":"neutral","sentiment_score":-0.12825958951461044,"num_words":88,"start":1849.6549,"end":1879.3351},{"sentences":[{"text":"The business is able to run-in the short term without you, and there wasn't a lot, you know, outside of maybe really, really major medical, so, like, a stroke or something that put you completely out.","start":1879.3351,"end":1891.995,"sentiment":"neutral","sentiment_score":-0.04849981899476714},{"text":"You know, if you broke a leg or anything like that, you would still be able to work on the business, just not in it type of thing.","start":1892.6951,"end":1901.89,"sentiment":"neutral","sentiment_score":-0.10159172836158957},{"text":"You know, you can still do all of the paperwork and back end stuff, so you still have that capacity because you have workers working for you.","start":1902.1901,"end":1909.4249,"sentiment":"neutral","sentiment_score":0.1272977289778215},{"text":"So I while I did look at, you know, what insurance would cost if we did write it, it just wasn't advantageous, and it made absolutely no sense to go ahead and write a policy.","start":1911.0049,"end":1922.0399,"sentiment":"neutral","sentiment_score":-0.2295506297477654},{"text":"So what I'm actually recommending is we cancel it.","start":1922.5,"end":1925.0,"sentiment":"negative","sentiment_score":-0.4719377921687232}],"sentiment":"neutral","sentiment_score":-0.09952026197203884,"num_words":135,"start":1879.3351,"end":1925.0},{"sentences":[{"text":"Whilst this policy does only cost you a couple $100 a year, putting that back into your super and keeping in your super made way more sense compounding than if we were to go and write another policy.","start":1925.0599,"end":1935.1599,"sentiment":"neutral","sentiment_score":-0.16659818805362048},{"text":"Now don't get me wrong.","start":1935.335,"end":1936.135,"sentiment":"neutral","sentiment_score":-0.04661899134516716},{"text":"I did look at a policy that covered off the mortgage, so, like, that $606,120,000 dollars.","start":1936.135,"end":1940.555,"sentiment":"neutral","sentiment_score":-0.013416850822977722},{"text":"And we were looking at sort of $600 a year for the first year.","start":1940.775,"end":1944.3151,"sentiment":"neutral","sentiment_score":-0.034656131373984475},{"text":"But the older you get, the more that is gonna cost.","start":1944.615,"end":1947.355,"sentiment":"neutral","sentiment_score":-0.2234213115139441}],"sentiment":"neutral","sentiment_score":-0.1157299521645265,"num_words":84,"start":1925.0599,"end":1947.355},{"sentences":[{"text":"And, again, what was the real benefit for it?","start":1947.9501,"end":1951.41,"sentiment":"neutral","sentiment_score":0.06144927483465937},{"text":"Yes.","start":1955.47,"end":1955.97,"sentiment":"neutral","sentiment_score":0.18109473586082456},{"text":"Yeah.","start":1956.03,"end":1956.35,"sentiment":"neutral","sentiment_score":0.011106636375188828},{"text":"So it just didn't it didn't have a have have a benefit.","start":1956.35,"end":1958.85,"sentiment":"neutral","sentiment_score":-0.15524065556625524},{"text":"Obviously, there's risks to canceling a policy.","start":1959.0701,"end":1961.0701,"sentiment":"neutral","sentiment_score":-0.21755402215889522}],"sentiment":"neutral","sentiment_score":-0.08801737253864607,"num_words":30,"start":1947.9501,"end":1961.0701},{"sentences":[{"text":"You no longer have that additional benefit, la la la, along those lines.","start":1961.0701,"end":1964.865,"sentiment":"neutral","sentiment_score":-0.12104599493054244},{"text":"But it's just doesn't really give us an advantageous position long term to what our actual goals are.","start":1965.5651,"end":1972.705,"sentiment":"neutral","sentiment_score":-0.0677795892374383},{"text":"If I was talking to you maybe ten or fifteen years ago, kids were a little bit younger, Story would be different, but we're in a slightly different situation.","start":1972.845,"end":1980.76,"sentiment":"neutral","sentiment_score":-0.029187147120206522},{"text":"Yes.","start":1988.5801,"end":1989.0801,"sentiment":"neutral","sentiment_score":0.06180767714977264},{"text":"So I did look at, like, the offset and whether, like because you currently have money in the offset, and I know that that's it's a little bit fluid, whether maybe taking money from your offset and putting it further into your superannuation would, like, as non concessional for after tax contribution were gonna be beneficial.","start":1989.14,"end":2007.26,"sentiment":"neutral","sentiment_score":0.09132033233929958}],"sentiment":"neutral","sentiment_score":0.013125542575159134,"num_words":117,"start":1961.0701,"end":2007.26},{"sentences":[{"text":"And, honestly, the savings that you're getting from using your offset the way you're using it were a lot better than putting those contributions in.","start":2007.56,"end":2016.9401,"sentiment":"neutral","sentiment_score":0.3325195163488388},{"text":"So I recommended that we just we you you keep using your offset the way you're using it and that we don't look to change that current position.","start":2017.88,"end":2027.155,"sentiment":"neutral","sentiment_score":0.10172307258471847},{"text":"Don't touch it.","start":2039.7101,"end":2040.61,"sentiment":"neutral","sentiment_score":-0.05487699620425701},{"text":"So yeah.","start":2042.91,"end":2043.73,"sentiment":"neutral","sentiment_score":0.1787920594215393},{"text":"Realistically speaking, the the the offsets doing doing wonders.","start":2044.03,"end":2048.11,"sentiment":"neutral","sentiment_score":0.2912813789314694}],"sentiment":"neutral","sentiment_score":0.20859282808517343,"num_words":67,"start":2007.56,"end":2048.11},{"sentences":[{"text":"I mean, they always do do do wonders, which is great.","start":2048.11,"end":2051.145,"sentiment":"neutral","sentiment_score":0.2998987097631801},{"text":"Yeah.","start":2056.4048,"end":2056.9048,"sentiment":"neutral","sentiment_score":0.16245687007904053},{"text":"Very much so.","start":2056.9648,"end":2058.025,"sentiment":"neutral","sentiment_score":0.2878528833389282},{"text":"The good like, the the great thing with with Offset then and what I would probably recommend is that you just you make sure that you keep as much money in there as possible and just keep get paid into that account, keep as much money in there.","start":2059.605,"end":2072.2,"sentiment":"positive","sentiment_score":0.3364781451721986},{"text":"If you have to pay a bill, you obviously pay the bill from that account.","start":2072.2,"end":2074.76,"sentiment":"neutral","sentiment_score":-0.029184500252207122}],"sentiment":"neutral","sentiment_score":0.25689852297401583,"num_words":78,"start":2048.11,"end":2074.76},{"sentences":[{"text":"That's fine because interest is calculated daily.","start":2074.76,"end":2079.2449,"sentiment":"neutral","sentiment_score":0.17962103869233811},{"text":"So that's the real benefit to it.","start":2080.105,"end":2082.445,"sentiment":"positive","sentiment_score":0.3434549697807857},{"text":"Cool.","start":2085.865,"end":2086.365,"sentiment":"positive","sentiment_score":0.5362781286239624},{"text":"Beneficiaries.","start":2089.6401,"end":2090.1401,"sentiment":"neutral","sentiment_score":0.04347354173660278},{"text":"So with with the establishment of a new fund, we need to nominate a beneficiary to receive the benefit if it was to occur that you passed away and therefore the superannuation yes.","start":2091.8801,"end":2109.7349,"sentiment":"neutral","sentiment_score":0.03696825863285498}],"sentiment":"neutral","sentiment_score":0.11145380131748257,"num_words":49,"start":2074.76,"end":2109.7349},{"sentences":[{"text":"However, what I'm recommending, and this is for tax purposes, is that you actually nominate your legal personal representative, which is your estate, and then we make sure that we get the will in place and updated and make sure that it has our wishes included in it so that the benefit can go through to the kids.","start":2110.1948,"end":2134.05,"sentiment":"neutral","sentiment_score":0.055329891949378214},{"text":"The reason I'm recommending this structure versus directly nominating the children because the the children I know they're not children.","start":2134.9949,"end":2143.075,"sentiment":"neutral","sentiment_score":-0.022381069697439672},{"text":"They're they're big, but they're still your children.","start":2143.075,"end":2145.4949,"sentiment":"neutral","sentiment_score":-0.010008589801145718},{"text":"Okay.","start":2145.555,"end":2146.055,"sentiment":"neutral","sentiment_score":0.0005920138210058212},{"text":"The the kids, whilst they are a CIS, like, SIS, superannuation industry act legal beneficiary, they are, however, nontax dependent because they are grown.","start":2146.515,"end":2163.495,"sentiment":"neutral","sentiment_score":-0.01322986352412651}],"sentiment":"neutral","sentiment_score":0.021301972161693213,"num_words":111,"start":2110.1948,"end":2163.495},{"sentences":[{"text":"And what would happen is if you were to pass away and they receive the benefit, the taxable component for which majority of your super fund is taxable, the taxable component is paid to them with a 17% tax taken out of it versus if it's paid to your estate, it's only 15%.","start":2165.315,"end":2191.11,"sentiment":"neutral","sentiment_score":-0.06007503957118628},{"text":"And, realistically, because you have you have the business, you have a house, you have the cars, personal assets, a beneficiary nomination to the super fund doesn't cover any of that, and only a will can cover all of that information off anyway.","start":2193.485,"end":2206.44,"sentiment":"neutral","sentiment_score":-0.06162917813242868},{"text":"So the will is an important document to just be able to to have in place.","start":2207.0598,"end":2212.5999,"sentiment":"neutral","sentiment_score":0.11594995809718966},{"text":"The other benefit is is that a will has a executor nominated to on it.","start":2212.9,"end":2218.095,"sentiment":"neutral","sentiment_score":0.2752367268006007},{"text":"And, realistically, if anything were to happen to you, banks, us, super funds, insurance companies, anything like that, can't talk to anyone.","start":2218.575,"end":2227.455,"sentiment":"neutral","sentiment_score":-0.00972209515219385}],"sentiment":"neutral","sentiment_score":-0.0004306551594062139,"num_words":149,"start":2165.315,"end":2227.455},{"sentences":[{"text":"Privacy act, even upon death, restricts us from talking to anyone, which is painful.","start":2227.455,"end":2234.0,"sentiment":"neutral","sentiment_score":-0.2632480540445873},{"text":"But a a a will nominating executor removes that and enables us to obviously start talking and communicating with an appointed person.","start":2234.3398,"end":2243.44,"sentiment":"neutral","sentiment_score":0.08974595655771819},{"text":"There are some really good providers around.","start":2245.02,"end":2248.335,"sentiment":"neutral","sentiment_score":0.2237882443836757},{"text":"If you don't wanna go to a solicitor, you you know, you don't wanna go and spend realistically, a simple will is only about 750 to 1,500 dollars depending on who you go through.","start":2248.335,"end":2258.735,"sentiment":"neutral","sentiment_score":0.10243220156168237},{"text":"So they're not stupid expensive like people think.","start":2258.735,"end":2261.635,"sentiment":"neutral","sentiment_score":-0.0908135799691081}],"sentiment":"neutral","sentiment_score":0.03072520249030169,"num_words":85,"start":2227.455,"end":2261.635},{"sentences":[{"text":"But other than that, I wouldn't really recommend that you go for a will kit through the post office.","start":2263.55,"end":2271.07,"sentiment":"neutral","sentiment_score":-0.206278379418348},{"text":"While they are available, they're only about 30 bucks.","start":2271.07,"end":2274.69,"sentiment":"neutral","sentiment_score":-0.0051158271316025},{"text":"Yeah.","start":2275.9648,"end":2276.4648,"sentiment":"neutral","sentiment_score":-0.03344446420669556},{"text":"They're just not that great.","start":2277.9648,"end":2279.2449,"sentiment":"neutral","sentiment_score":-0.23758487701416015},{"text":"There are some online support services, though, that can give it that can help you.","start":2279.2449,"end":2283.4248,"sentiment":"neutral","sentiment_score":0.07511788904666901}],"sentiment":"neutral","sentiment_score":-0.08285575850429583,"num_words":49,"start":2263.55,"end":2283.4248},{"sentences":[{"text":"There are some online companies like Willed, w I, double l, e d, that are like, you still do it yourself, but it's supported.","start":2284.285,"end":2292.5798,"sentiment":"neutral","sentiment_score":0.08135086111724377},{"text":"You do it yourself supported.","start":2293.5198,"end":2295.2,"sentiment":"neutral","sentiment_score":0.14621416628360748},{"text":"It's only a couple $100 doing it that way.","start":2295.2,"end":2297.2,"sentiment":"neutral","sentiment_score":0.1065144832763407},{"text":"Again, a solicitor is gonna give you a much better outcome, though.","start":2297.2,"end":2300.5,"sentiment":"neutral","sentiment_score":0.23095781356096268},{"text":"In seeing a solicitor, my other recommendation, which the next two points are basically go and get a will.","start":2302.075,"end":2307.7751,"sentiment":"neutral","sentiment_score":0.10161273142224864}],"sentiment":"neutral","sentiment_score":0.12093126822424971,"num_words":69,"start":2284.285,"end":2307.7751},{"sentences":[{"text":"And the last one is when seeing a solicitor, because you are a single person now, so no longer married, I recommend that you actually look at getting what's called a power of attorney document drawn up as well.","start":2308.155,"end":2321.45,"sentiment":"neutral","sentiment_score":0.11861279530402942},{"text":"Because it just if anything were to happen, you did fall ill, it appoints someone to make financial and medical decisions on your behalf.","start":2321.8298,"end":2329.9849,"sentiment":"neutral","sentiment_score":0.11717492124686639},{"text":"Doesn't have to be the kids.","start":2330.285,"end":2331.7449,"sentiment":"neutral","sentiment_score":-0.07616555814941724},{"text":"It can be someone else that you trust.","start":2331.9648,"end":2333.825,"sentiment":"neutral","sentiment_score":-0.0327382932882756},{"text":"But, generally, that falls to a spouse, so nominating someone else.","start":2335.2449,"end":2341.105,"sentiment":"neutral","sentiment_score":0.0006360681727528572}],"sentiment":"neutral","sentiment_score":0.07643402478953992,"num_words":88,"start":2308.155,"end":2341.105},{"sentences":[{"text":"Yeah.","start":2343.0898,"end":2343.49,"sentiment":"neutral","sentiment_score":0.07609086483716965},{"text":"Just having that clear defined role is just gonna help you out on that on that side.","start":2343.49,"end":2348.3098,"sentiment":"neutral","sentiment_score":0.23569436458980336},{"text":"Yeah.","start":2350.93,"end":2351.43,"sentiment":"neutral","sentiment_score":0.12362601608037949},{"text":"Yeah.","start":2351.73,"end":2352.23,"sentiment":"neutral","sentiment_score":0.11942697316408156},{"text":"So and, again, a a lawyer can draw them up.","start":2353.73,"end":2355.97,"sentiment":"neutral","sentiment_score":0.32169779688119887}],"sentiment":"neutral","sentiment_score":0.2514308673640092,"num_words":30,"start":2343.0898,"end":2355.97},{"sentences":[{"text":"They can draw them up together at the same time nice and easy.","start":2355.97,"end":2360.575,"sentiment":"positive","sentiment_score":0.478405067553887},{"text":"If you don't have a lawyer, I have one that's I mean, you're local around my area, so I have one that's literally around the corner from the office that I can send you the details for.","start":2361.275,"end":2371.27,"sentiment":"neutral","sentiment_score":0.14536585860155724},{"text":"You're able to go and sit with them.","start":2371.27,"end":2372.89,"sentiment":"neutral","sentiment_score":0.23669162020087242},{"text":"They did my will too and my husband's if you want.","start":2373.5898,"end":2377.51,"sentiment":"neutral","sentiment_score":0.13199839436195113},{"text":"Otherwise, you're more than welcome to obviously source your own lawyer.","start":2377.51,"end":2380.41,"sentiment":"neutral","sentiment_score":0.11311988126147877}],"sentiment":"neutral","sentiment_score":0.20234545799903572,"num_words":80,"start":2355.97,"end":2380.41},{"sentences":[{"text":"Always fun when you meet with someone, they give you homework.","start":2385.2852,"end":2387.7852,"sentiment":"positive","sentiment_score":0.34728407047011634},{"text":"So now it's like the remuneration side.","start":2397.51,"end":2399.43,"sentiment":"neutral","sentiment_score":0.02535916811653546},{"text":"So, obviously, I am a fee for service provider.","start":2399.43,"end":2402.17,"sentiment":"neutral","sentiment_score":0.032957442518737584},{"text":"I do charge a fee.","start":2402.8699,"end":2404.3298,"sentiment":"neutral","sentiment_score":0.050370517373085025},{"text":"So if you accept the advice, ultimately, what we would do is, a, I would need your tax phone number, and I need a copy of your ID.","start":2404.5498,"end":2411.745,"sentiment":"neutral","sentiment_score":0.07830454728433064}],"sentiment":"neutral","sentiment_score":0.11231059742470582,"num_words":60,"start":2385.2852,"end":2411.745},{"sentences":[{"text":"And I would need confirmation of your birth date as well.","start":2412.205,"end":2415.185,"sentiment":"neutral","sentiment_score":0.08315684646368027},{"text":"We would then be able to implement and execute everything.","start":2417.565,"end":2420.785,"sentiment":"neutral","sentiment_score":0.18710413277149202},{"text":"I've I've emailed you these documents because it's a lot easier to go through these documents via email than it is to go through, like, the signing software that we use.","start":2420.925,"end":2430.1602,"sentiment":"neutral","sentiment_score":0.1807589648712066},{"text":"But what I would do is I would send you all the documents, including the applications and everything like that for you to be able to sign.","start":2431.1,"end":2436.24,"sentiment":"neutral","sentiment_score":0.15955980398036815},{"text":"And after that, we would be able to implement the advice.","start":2437.545,"end":2440.345,"sentiment":"neutral","sentiment_score":0.21608216518705542}],"sentiment":"neutral","sentiment_score":0.16749236749278174,"num_words":90,"start":2412.205,"end":2440.345},{"sentences":[{"text":"So we we would execute rollovers and transfers, the account set up, and everything, and we charge the $4,950 to do that, to execute it, to set you up, to buy the investments, and make sure everything goes smoothly.","start":2440.345,"end":2452.69,"sentiment":"neutral","sentiment_score":0.2434746130154683},{"text":"We draw up all the documentation for, like, the salary sacrifice and everything like that and provide you with your contribution details.","start":2453.0698,"end":2460.0498,"sentiment":"neutral","sentiment_score":0.20032540471716362},{"text":"Ongoing from there, you have complete access to me and my team.","start":2462.51,"end":2466.135,"sentiment":"positive","sentiment_score":0.41876838852961856},{"text":"So I'm one of six advisers with Oakview, and, total, we have about 20 staff, which, you know, there's administration staff as well that would be able to assist you with any inquiries or connect you straight to me.","start":2466.615,"end":2479.195,"sentiment":"neutral","sentiment_score":0.3084554095298816},{"text":"And you're not limited to how much you contact us.","start":2481.3298,"end":2483.65,"sentiment":"neutral","sentiment_score":0.2257581889629364}],"sentiment":"neutral","sentiment_score":0.272256002746156,"num_words":122,"start":2440.345,"end":2483.65},{"sentences":[{"text":"You can contact us as much or as little as you want.","start":2483.65,"end":2486.15,"sentiment":"neutral","sentiment_score":0.22517150143782297},{"text":"At a minimum, we will be contacting you annually, so once a year, to go through and do a complete review of your position and sit down and have an advice discussion like we did last month.","start":2486.93,"end":2499.5051,"sentiment":"neutral","sentiment_score":0.21582096633878914},{"text":"And the reason for that is is because your situation is never stagnant.","start":2499.725,"end":2502.685,"sentiment":"neutral","sentiment_score":0.24135293410374567},{"text":"We wanna make sure that we're keeping up to date with it.","start":2502.685,"end":2504.79,"sentiment":"neutral","sentiment_score":0.3224070643385251},{"text":"We wanna make sure that we're keeping up to date with the market and the economy and making any tweaks and changes that may need to be made as we go through.","start":2504.87,"end":2512.09,"sentiment":"neutral","sentiment_score":0.24240968469530344}],"sentiment":"neutral","sentiment_score":0.24010393016462056,"num_words":106,"start":2483.65,"end":2512.09},{"sentences":[{"text":"However, more than happy to also meet quarterly or half yearly.","start":2514.1501,"end":2518.97,"sentiment":"neutral","sentiment_score":0.18945052881132474},{"text":"It's just completely dependent on what you're wanting preference wise and whether, you know, you're someone that wants to continue talking or whether you're like, no.","start":2519.535,"end":2527.375,"sentiment":"neutral","sentiment_score":0.06814497685095725},{"text":"Look.","start":2527.375,"end":2527.875,"sentiment":"neutral","sentiment_score":0.11476460099220276},{"text":"Yearly is fine.","start":2527.9348,"end":2528.9949,"sentiment":"neutral","sentiment_score":0.17017105221748352},{"text":"But we can organize that at a later time anyway.","start":2530.4949,"end":2533.25,"sentiment":"neutral","sentiment_score":0.20498055666685105}],"sentiment":"neutral","sentiment_score":0.12805506939926714,"num_words":51,"start":2514.1501,"end":2533.25},{"sentences":[{"text":"So our service fee for that is 1.65% of the balance of some.","start":2533.87,"end":2538.29,"sentiment":"neutral","sentiment_score":0.10058725940493438},{"text":"So that would roughly be $3,006.82, but we do cap our fees at 9,900.","start":2538.6702,"end":2544.77,"sentiment":"neutral","sentiment_score":0.1071879815842424},{"text":"So irrespective of how high your balance grows, we wouldn't charge more than that.","start":2546.145,"end":2551.5251,"sentiment":"neutral","sentiment_score":0.08562275075486728},{"text":"That makes sense.","start":2551.985,"end":2552.965,"sentiment":"neutral","sentiment_score":0.17466883858044943},{"text":"Mhmm.","start":2553.0251,"end":2553.425,"sentiment":"neutral","sentiment_score":0.06990237534046173}],"sentiment":"neutral","sentiment_score":0.10224207813541095,"num_words":45,"start":2533.87,"end":2553.425},{"sentences":[{"text":"But cool.","start":2553.425,"end":2555.685,"sentiment":"neutral","sentiment_score":0.1716931015253067},{"text":"I know.","start":2559.53,"end":2560.09,"sentiment":"neutral","sentiment_score":-0.060407403856515884},{"text":"Sorry.","start":2560.09,"end":2560.49,"sentiment":"neutral","sentiment_score":-0.19429470598697665},{"text":"It's just the talking and the voice losses and the like like I said, like, I just the flu threw me around something shocking, unfortunately.","start":2560.49,"end":2568.3499,"sentiment":"negative","sentiment_score":-0.36561757683753965},{"text":"Yes.","start":2582.1052,"end":2582.6052,"sentiment":"neutral","sentiment_score":-0.003180854953825474}],"sentiment":"neutral","sentiment_score":-0.29404334150134553,"num_words":31,"start":2553.425,"end":2582.6052},{"sentences":[{"text":"Absolutely.","start":2589.24,"end":2589.74,"sentiment":"neutral","sentiment_score":0.14719843864440918},{"text":"So if you have a look down at the second to last page, it's the page you basically sign on.","start":2590.76,"end":2595.74,"sentiment":"neutral","sentiment_score":0.09474111013114453},{"text":"It's you know, I hereby authorize myself and my author number and the company and all the rest of it to implement it.","start":2596.28,"end":2602.2952,"sentiment":"neutral","sentiment_score":0.09134468241878178},{"text":"Well, the second paragraph is I have chosen to vary the recommendations, and then that nice big section of white paper for which when I send it to you via the electronic signing, you would be able to free type into that section stipulating what you do and don't want implemented.","start":2602.3552,"end":2619.58,"sentiment":"neutral","sentiment_score":0.014379079983222718},{"text":"Obviously, if it's complex in nature, I e, you turn around and go, I hate this investment, I'm gonna have a follow-up question, and then I'd probably just redo the investment structure for you rather than vary the implementation or, like, cut out an investment option.","start":2620.2002,"end":2635.605,"sentiment":"neutral","sentiment_score":-0.11035041008954463}],"sentiment":"neutral","sentiment_score":-0.001417286865783076,"num_words":141,"start":2589.24,"end":2635.605},{"sentences":[{"text":"I would just work with you to alter that.","start":2635.605,"end":2637.785,"sentiment":"neutral","sentiment_score":-0.02004027780559328},{"text":"So that's essentially where that where that goes.","start":2638.9,"end":2641.08,"sentiment":"neutral","sentiment_score":0.05744166532531381},{"text":"Yes.","start":2661.2349,"end":2661.7349,"sentiment":"neutral","sentiment_score":0.047085508704185486},{"text":"Yeah.","start":2669.09,"end":2669.59,"sentiment":"neutral","sentiment_score":0.15760788321495056},{"text":"That's absolutely okay.","start":2673.17,"end":2674.37,"sentiment":"positive","sentiment_score":0.35052355627218884}],"sentiment":"neutral","sentiment_score":0.06979249468581243,"num_words":22,"start":2635.605,"end":2674.37},{"sentences":[{"text":"The one question I really had for you is amongst everything, I actually never grabbed your full date of birth.","start":2674.37,"end":2680.325,"sentiment":"neutral","sentiment_score":-0.0272330928593874},{"text":"I had the year you were born, but I never grabbed your month oh, Amazing.","start":2680.325,"end":2690.3599,"sentiment":"neutral","sentiment_score":0.05364351024230321},{"text":"So I just I obviously need that for any of the applications and stuff like that.","start":2690.42,"end":2695.96,"sentiment":"neutral","sentiment_score":0.2638971311971545},{"text":"What I can do is I can put everything together in the signing documents, and I can email that through to you as well.","start":2696.26,"end":2705.215,"sentiment":"neutral","sentiment_score":0.18001320833961168},{"text":"So that way, after you finish reading the statement of advice that is obviously the full statement, the appendix we haven't gone through, but, realistically, the appendix is some of the research that I conducted in line with the recommendation.","start":2705.215,"end":2723.13,"sentiment":"neutral","sentiment_score":0.14389597494155168}],"sentiment":"neutral","sentiment_score":0.12659565994273062,"num_words":115,"start":2674.37,"end":2723.13},{"sentences":[{"text":"So it has the insurance side of stuff that I looked at and, like, links to each of the investments that I'm recommending and just supporting information for you.","start":2723.19,"end":2734.7751,"sentiment":"neutral","sentiment_score":0.10017842786579297},{"text":"More?","start":2735.475,"end":2735.975,"sentiment":"neutral","sentiment_score":0.013163908384740353},{"text":"Have to read.","start":2736.115,"end":2736.8552,"sentiment":"neutral","sentiment_score":0.013599782871703306},{"text":"Yeah.","start":2741.3152,"end":2741.635,"sentiment":"neutral","sentiment_score":0.06321240216493607},{"text":"So I have all that sitting there as well.","start":2741.635,"end":2743.895,"sentiment":"neutral","sentiment_score":0.10361851337883207}],"sentiment":"neutral","sentiment_score":0.09197480669028538,"num_words":43,"start":2723.19,"end":2743.895},{"sentences":[{"text":"There's a full breakdown of, like, each of the investment opt options that we discussed.","start":2744.0798,"end":2748.7998,"sentiment":"neutral","sentiment_score":0.10767044027646383},{"text":"So your your risk profiles, how it breaks down, and just sort of information for you to to be able to sort of read through.","start":2748.7998,"end":2758.285,"sentiment":"neutral","sentiment_score":0.1262694464623928},{"text":"It's nothing overly complex, very much similar in nature with with what we have.","start":2758.285,"end":2766.445,"sentiment":"neutral","sentiment_score":0.011905280340995108},{"text":"There's a comparison as if we were to move you to a similar investment option under AustralianSuper so that way you can see what that looks like as well, you know, mortgage currently and stuff like that.","start":2766.445,"end":2778.52,"sentiment":"neutral","sentiment_score":0.09701915125589113},{"text":"Nothing nothing complex, nothing, you know, very informative.","start":2778.52,"end":2781.98,"sentiment":"neutral","sentiment_score":0.16335630137473345}],"sentiment":"neutral","sentiment_score":0.099343693918652,"num_words":99,"start":2744.0798,"end":2781.98},{"sentences":[{"text":"It's a lot of graphs more so than words.","start":2782.0398,"end":2784.38,"sentiment":"neutral","sentiment_score":0.14409813947147793},{"text":"So that's it.","start":2785.685,"end":2786.2449,"sentiment":"neutral","sentiment_score":0.18989657362302145},{"text":"But what I'll do is I'll roll the documents up, and I'll email them to you through that signing call.","start":2786.2449,"end":2791.465,"sentiment":"neutral","sentiment_score":0.23690189868211747},{"text":"That way, should you wanna proceed, you're able to sign it.","start":2792.645,"end":2796.025,"sentiment":"neutral","sentiment_score":0.2261490523815155},{"text":"But otherwise, realistically, what will happen is one of my team, Maddie, you've just talked to Maddie before, she'll basically touch base with you in a few days.","start":2796.2449,"end":2806.77,"sentiment":"neutral","sentiment_score":0.06233719407048609}],"sentiment":"neutral","sentiment_score":0.15264354873133798,"num_words":71,"start":2782.0398,"end":2806.77},{"sentences":[{"text":"And as always, if you email me, I'll get back to you.","start":2807.2302,"end":2810.59,"sentiment":"neutral","sentiment_score":0.11993264469007651},{"text":"And, you know, if you wanna have another chat, we can have another chat anyway.","start":2810.59,"end":2813.81,"sentiment":"neutral","sentiment_score":0.06779805198311806},{"text":"Yeah.","start":2821.535,"end":2822.015,"sentiment":"neutral","sentiment_score":0.20352092385292053},{"text":"Look.","start":2822.015,"end":2822.335,"sentiment":"neutral","sentiment_score":0.23353049159049988},{"text":"If you end up getting through everything and, you know, you wanna go and enjoy your holiday because you weren't perfectly entitled to that, that's okay as well.","start":2822.335,"end":2832.8599,"sentiment":"neutral","sentiment_score":0.32965059019625187}],"sentiment":"neutral","sentiment_score":0.21269176240291512,"num_words":57,"start":2807.2302,"end":2832.8599},{"sentences":[{"text":"Absolutely, Mark.","start":2835.32,"end":2836.2,"sentiment":"positive","sentiment_score":0.7461986243724823},{"text":"My pleasure.","start":2836.2,"end":2836.86,"sentiment":"positive","sentiment_score":0.8449743986129761},{"text":"Have a good one.","start":2838.84,"end":2839.72,"sentiment":"positive","sentiment_score":0.6811770349740982},{"text":"Bye.","start":2839.72,"end":2840.22,"sentiment":"positive","sentiment_score":0.3433995246887207}],"sentiment":"positive","sentiment_score":0.6944948567284478,"num_words":9,"start":2835.32,"end":2840.22}]}}]},{"alternatives":[{"transcript":"Hello. Mark speaking. Good. Good. How are you? That's why you've just got over your sickness the other week. Good stuff. Good stuff. Yep. Okay. Yep. Let me go sit in front of the computer. Just give me one minute. I don't have anything in my inbox. Let me have a look. No. I haven't received anything. Sorry. Yep. No worries. I'll just yep. There you go. It just came through. Okay. Excellent. Alright. So there's two documents. Which one am I opening? Yep. Got it. Alrighty. Okay. Where do we start? Yep. Mhmm. Mhmm. Mhmm. Yep. Mhmm. Yep. Mhmm. No worries. Mhmm. Mhmm. Yep. Yep. Mhmm. Mhmm. Yep. Yep. Mhmm. No worries. Yep. Yep. Mhmm. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Mhmm. Yep. Yep. Yeah. Okay. No. No. That's fine. Yeah. I'm sort of flicking through it as you're speaking about it. Yeah. Yep. Yep. Very good. Yep. Yep. Yep. Yep. Yeah. Okay. Yeah. Yep. Yep. Yep. Yep. Yep. No worries. Okay. I'm just looking at the yeah. There's a graph there on page number 20 sort of saying where the money is sort of, yeah, allocated. Yeah. So just what it's currently invested in by a risk profile. Yeah. Okay. So that polygraph represents what for Australian Super or the proposed one that you're suggesting? Yep. Mhmm. Yep. Yep. Mhmm. Mhmm. Yep. Hi, Jay. Thanks. Yep. Yep. Yep. Yep. Yep. Yep. Mhmm. Yep. Yep. Mhmm. Yep. Yep. Yep. Yeah. Okay. Yep. Yeah. Yep. I understand. Yeah. No. Look. I haven't heard of them, but I had to dealings with this kind of stuff. I I did have my some of them were super in the a six two hundred directly through. It's a strong super, but I've pulled it away and put it into, obviously, what I've got now. So I'm sort of familiar with what you're talking about. Yep. Mhmm. Yep. Yep. Yep. Yep. Yep. Yep. Mhmm. Yeah. Mhmm. Yep. Yep. Yep. Mhmm. Yep. Yep. Mhmm. Mhmm. Yep. Mhmm. Yep. Mhmm. Yep. Totally. I understand. Yep. Yeah. Yep. Yep. Yep. No. I understand. That's good. Alright. I'll I'll obviously have a read through all of this entirety, like, like, later on today. As far as your I did see somewhere your fee, so I pay that now, obviously, because you prepared the report and whatnot. So I'm looking at page number 45. So yeah. I know. I just I was just flipping through everything else. I was just making I'm like, I was gonna read all this stuff. There's a lot of words here. I'm like, oh, do you wanna we'll keep on going from where you were and work our way down to that one. Hey? Yeah. No. No. That's so that that's good. So you've explained the the Hub 24 thing. And we looked at the Yep. Yes. That's right. Oh, I've got no. No. That's fine. I've I've gotta claim one as a personal oh, is it too late now? I did put $10,000 into it. So does that make any difference? Like, personal contribution? Yes. Just cash. Yep. Yeah. Exactly. Yeah. That's what yeah. That's what I was just I wasn't sure if you have to if you don't do that, it goes onto your concessional amount, doesn't it? Non concessional. Okay. Yep. Yep. I can. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Use a carry forward balance. Yep. Yep. Yep. Yep. Understand. Yes. Yeah. Yeah. I've seen I've I've looked at it before. Yeah. Yep. Yeah. It don't go over the cap. Yep. Mhmm. Yep. Yeah. Yep. The contributions cap. Yep. Yeah. Yep. Yep. No worries. Okay. Good stuff. So, yeah, I'm on page 21, and I can see you your recommended contributions is 27,625. So, yeah, that's under the cap, obviously. Mhmm. Yep. Mhmm. Yep. Yep. Yep. Yep. Yep. Yep. No worries. Yep. Mhmm. No. Not yet. Mhmm. Yep. Yep. Yep. Yep. No. That's fine. Yep. Mhmm. No. With cellular sacrosanctomycinetoid. Yeah. Yeah. Yeah. No. No. Well, just with the cash flow reasons, I'd like to pay it weekly so that I know where we're at. At, you know, any given point, I know all my liabilities are covered. Yep. Yeah. With whether it's oil, water, or whatever. Yep. Yep. Yep. Yep. Understood. Yeah. Yeah. The excess payments. Yeah. Yep. No worries. Yeah. Yeah. Yeah. And I look I I understand sort of what you're saying here with the super. It's pretty well laid out. I mean, I sort of have familiar I'm familiar with most of what you're saying. So looks good. So that's good. And I've been on page what am I up to? Page 22. I can see that you just summarized the the chain that we've been the forecasting five to ten years. Annual investment. No. It's a you're still on super versus hub 24. That looks all good. And then so retirement income package. So this is the the income calculator on the next page. It's just about how much money is gonna be there in supers, and what is it? Yeah. Okay. So Alright. So, yeah, if I was to retire today. Yeah. Yeah. Yep. Yep. Yep. Okay. Yep. But, yeah, that's that's just a forecast of, yeah, superannuation and how far how much we pay out from the age of 60. Yep. Okay. I get that. That's no dramas. I'll have a read of the fine print on the following page when I get time. And then what's the table here on page 25? So salaries are reflected to false income. That's just summarizing. Yeah. Yep. Excellent. Alright. I'll read the advantages and disadvantages later on, and I'll review those that later. Insurance policy. Okay. So up to insurance on page 28. Yep. Yep. Yep. Yep. Correct. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. Yep. Yep. Yes. Correct. Yep. Yep. Yeah. That's good. Yep. Yeah. Yeah. Yeah. Yeah. Yep. Yeah. No. I'm I'm on I'm with you on that one. I like I like what you're saying. Yep. Understand. Yep. Yep. Nothing. Nothing. Yeah. More dependent. Yeah. Yep. I agree. I'm with you on that one. That's a good one. The next part's about the offset. Yep. Yep. Yeah. Yep. It looks like I'm saving about 28,000 on interest, is it? 28,490 or something like that. So yeah. Alright. That's good. Don't touch it, Mark. Yeah. No. That's alright. Yep. No. That's good. I could deny that I've done the right thing and sitting in the right spot. Yep. Yep. Yep. Yep. Excellent. Alright. You've covered that one off. That's good. Looks like the next section is page 35. What's that? Yep. Oh, yeah. Nominate. Oh, yeah. This is the same as what I've got with this Australian Super Year. Yep. Mhmm. Yeah. Yeah. I need to do that. Yep. Yep. No worries. Yep. Yep. Yep. Mhmm. Yep. Oh, yeah. Okay. Yep. Yes. Yep. Yep. Yep. Yep. Yep. Yep. Mhmm. Yep. Yeah. And I'll get it get it done properly. Yeah. I'll grab with you there. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. In my case, it doesn't yeah. It doesn't happen here. Yep. That's fine. That's a good one. I didn't think of that either. Very good. Yep. Yep. Yep. No worries. Alright. I've got some work to do there. Yeah. Got plenty of reading and stuff to do. So very good. Alright. What's next on the agenda? What do we go from here? What do we look at next? Yep. Yep. Yep. Yep. Yep. Yep. Mhmm. Yep. Mhmm. Yep. Mhmm. Yep. Yep. Yeah. Yep. Mhmm. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Makes sense. Yep. Sounds like you're about to die. You got me to have a glass of water. Yeah. Yeah. Yeah. Alright. No worries. So my options are to take on all your recommendations. Obviously, that's the one you just walked me through. What if there's what if there is part of the things that I wanna go ahead with and other things I don't wanna go ahead with? Yep. Yep. Yep. Yep. Excellent. Alright. Yep. Yep. No worries. So I've probably got I need to have a good read through all this now and then make make a decision on which way I'm gonna go with it. Leave it with me. Poor timing. I'm about I'm happy on long service leave for three weeks. So maybe I should just get stuck in and read it tonight and just get it out of the way. And, yeah, I'll try and get back to you as soon as possible. But, yeah, there's a lot of lot of reading and consideration there, so that that's good. Yep. May 3. Yep. Easy one. Mhmm. Yep. Yep. Yep. Wait. I'll probably flick through that one. Yep. Yep. Mhmm. Yep. Yep. That's good. Very good. Yep. Yep. Yep. Yep. Too good. Alright. Excellent. Leave it with me. As I said, I'm gonna borrow into that information now, and then I'll get back to you as soon as I can. Yeah. No worries. Alright. Thanks again, and, yeah, we'll talk soon. Alright. Bye. 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Mark speaking. Good. Good. How are you?\n\nThat's why you've just got over your sickness the other week. Good stuff. Good stuff. Yep. Okay.\n\nYep. Let me go sit in front of the computer. Just give me one minute. I don't have anything in my inbox. Let me have a look.\n\nNo. I haven't received anything. Sorry. Yep. No worries.\n\nI'll just yep. There you go. It just came through. Okay. Excellent.\n\nAlright. So there's two documents. Which one am I opening? Yep. Got it.\n\nAlrighty. Okay. Where do we start? Yep. Mhmm.\n\nMhmm. Mhmm. Yep. Mhmm. Yep.\n\nMhmm. No worries. Mhmm. Mhmm. Yep.\n\nYep. Mhmm. Mhmm. Yep. Yep.\n\nMhmm. No worries. Yep. Yep. Mhmm.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nMhmm. Yep. Yep. Yeah. Okay.\n\nNo. No. That's fine. Yeah. I'm sort of flicking through it as you're speaking about it.\n\nYeah. Yep. Yep. Very good. Yep.\n\nYep. Yep. Yep. Yeah. Okay.\n\nYeah. Yep. Yep. Yep. Yep.\n\nYep. No worries. Okay. I'm just looking at the yeah. There's a graph there on page number 20 sort of saying where the money is sort of, yeah, allocated.\n\nYeah. So just what it's currently invested in by a risk profile. Yeah. Okay. So that polygraph represents what for Australian Super or the proposed one that you're suggesting?\n\nYep. Mhmm. Yep. Yep. Mhmm.\n\nMhmm. Yep. Hi, Jay. Thanks. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nMhmm. Yep. Yep. Mhmm. Yep.\n\nYep. Yep. Yeah. Okay. Yep.\n\nYeah. Yep. I understand. Yeah. No.\n\nLook. I haven't heard of them, but I had to dealings with this kind of stuff. I I did have my some of them were super in the a six two hundred directly through. It's a strong super, but I've pulled it away and put it into, obviously, what I've got now. So I'm sort of familiar with what you're talking about.\n\nYep. Mhmm. Yep. Yep. Yep.\n\nYep. Yep. Yep. Mhmm. Yeah.\n\nMhmm. Yep. Yep. Yep. Mhmm.\n\nYep. Yep. Mhmm. Mhmm. Yep.\n\nMhmm. Yep. Mhmm. Yep. Totally.\n\nI understand. Yep. Yeah. Yep. Yep.\n\nYep. No. I understand. That's good. Alright.\n\nI'll I'll obviously have a read through all of this entirety, like, like, later on today. As far as your I did see somewhere your fee, so I pay that now, obviously, because you prepared the report and whatnot. So I'm looking at page number 45. So yeah. I know.\n\nI just I was just flipping through everything else. I was just making I'm like, I was gonna read all this stuff. There's a lot of words here. I'm like, oh, do you wanna we'll keep on going from where you were and work our way down to that one. Hey?\n\nYeah. No. No. That's so that that's good. So you've explained the the Hub 24 thing.\n\nAnd we looked at the Yep. Yes. That's right. Oh, I've got no. No.\n\nThat's fine. I've I've gotta claim one as a personal oh, is it too late now? I did put $10,000 into it. So does that make any difference? Like, personal contribution?\n\nYes. Just cash. Yep. Yeah. Exactly.\n\nYeah. That's what yeah. That's what I was just I wasn't sure if you have to if you don't do that, it goes onto your concessional amount, doesn't it? Non concessional. Okay.\n\nYep. Yep. I can. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Use a carry forward balance. Yep. Yep. Yep.\n\nYep. Understand. Yes. Yeah. Yeah.\n\nI've seen I've I've looked at it before. Yeah. Yep. Yeah. It don't go over the cap.\n\nYep. Mhmm. Yep. Yeah. Yep.\n\nThe contributions cap. Yep. Yeah. Yep. Yep.\n\nNo worries. Okay. Good stuff. So, yeah, I'm on page 21, and I can see you your recommended contributions is 27,625. So, yeah, that's under the cap, obviously.\n\nMhmm. Yep. Mhmm. Yep. Yep.\n\nYep. Yep. Yep. Yep. No worries.\n\nYep. Mhmm. No. Not yet. Mhmm.\n\nYep. Yep. Yep. Yep. No.\n\nThat's fine. Yep. Mhmm. No. With cellular sacrosanctomycinetoid.\n\nYeah. Yeah. Yeah. No. No.\n\nWell, just with the cash flow reasons, I'd like to pay it weekly so that I know where we're at. At, you know, any given point, I know all my liabilities are covered. Yep. Yeah. With whether it's oil, water, or whatever.\n\nYep. Yep. Yep. Yep. Understood.\n\nYeah. Yeah. The excess payments. Yeah. Yep.\n\nNo worries. Yeah. Yeah. Yeah. And I look I I understand sort of what you're saying here with the super.\n\nIt's pretty well laid out. I mean, I sort of have familiar I'm familiar with most of what you're saying. So looks good. So that's good. And I've been on page what am I up to?\n\nPage 22. I can see that you just summarized the the chain that we've been the forecasting five to ten years. Annual investment. No. It's a you're still on super versus hub 24.\n\nThat looks all good. And then so retirement income package. So this is the the income calculator on the next page. It's just about how much money is gonna be there in supers, and what is it? Yeah.\n\nOkay. So Alright. So, yeah, if I was to retire today. Yeah. Yeah.\n\nYep. Yep. Yep. Okay. Yep.\n\nBut, yeah, that's that's just a forecast of, yeah, superannuation and how far how much we pay out from the age of 60. Yep. Okay. I get that. That's no dramas.\n\nI'll have a read of the fine print on the following page when I get time. And then what's the table here on page 25? So salaries are reflected to false income. That's just summarizing. Yeah.\n\nYep. Excellent. Alright. I'll read the advantages and disadvantages later on, and I'll review those that later. Insurance policy.\n\nOkay. So up to insurance on page 28. Yep. Yep. Yep.\n\nYep. Correct. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yeah.\n\nYep. Yep. Yes. Correct. Yep.\n\nYep. Yeah. That's good. Yep. Yeah.\n\nYeah. Yeah. Yeah. Yep. Yeah.\n\nNo. I'm I'm on I'm with you on that one. I like I like what you're saying. Yep. Understand.\n\nYep. Yep. Nothing. Nothing. Yeah.\n\nMore dependent. Yeah. Yep. I agree. I'm with you on that one.\n\nThat's a good one. The next part's about the offset. Yep. Yep. Yeah.\n\nYep. It looks like I'm saving about 28,000 on interest, is it? 28,490 or something like that. So yeah. Alright.\n\nThat's good. Don't touch it, Mark. Yeah. No. That's alright.\n\nYep. No. That's good. I could deny that I've done the right thing and sitting in the right spot. Yep.\n\nYep. Yep. Yep. Excellent. Alright.\n\nYou've covered that one off. That's good. Looks like the next section is page 35. What's that? Yep.\n\nOh, yeah. Nominate. Oh, yeah. This is the same as what I've got with this Australian Super Year. Yep.\n\nMhmm. Yeah. Yeah. I need to do that. Yep.\n\nYep. No worries. Yep. Yep. Yep.\n\nMhmm. Yep. Oh, yeah. Okay. Yep.\n\nYes. Yep. Yep. Yep. Yep.\n\nYep. Yep. Mhmm. Yep. Yeah.\n\nAnd I'll get it get it done properly. Yeah. I'll grab with you there. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yeah.\n\nIn my case, it doesn't yeah. It doesn't happen here. Yep. That's fine. That's a good one.\n\nI didn't think of that either. Very good. Yep. Yep. Yep.\n\nNo worries. Alright. I've got some work to do there. Yeah. Got plenty of reading and stuff to do.\n\nSo very good. Alright. What's next on the agenda? What do we go from here? What do we look at next?\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Mhmm. Yep. Mhmm. Yep.\n\nMhmm. Yep. Yep. Yeah. Yep.\n\nMhmm. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Makes sense. Yep.\n\nSounds like you're about to die. You got me to have a glass of water. Yeah. Yeah. Yeah.\n\nAlright. No worries. So my options are to take on all your recommendations. Obviously, that's the one you just walked me through. What if there's what if there is part of the things that I wanna go ahead with and other things I don't wanna go ahead with?\n\nYep. Yep. Yep. Yep. Excellent.\n\nAlright. Yep. Yep. No worries. So I've probably got I need to have a good read through all this now and then make make a decision on which way I'm gonna go with it.\n\nLeave it with me. Poor timing. I'm about I'm happy on long service leave for three weeks. So maybe I should just get stuck in and read it tonight and just get it out of the way. And, yeah, I'll try and get back to you as soon as possible.\n\nBut, yeah, there's a lot of lot of reading and consideration there, so that that's good. Yep. May 3. Yep. Easy one.\n\nMhmm. Yep. Yep. Yep. Wait.\n\nI'll probably flick through that one. Yep. Yep. Mhmm. Yep.\n\nYep. That's good. Very good. Yep. Yep.\n\nYep. Yep. Too good. Alright. Excellent.\n\nLeave it with me. As I said, I'm gonna borrow into that information now, and then I'll get back to you as soon as I can. Yeah. No worries. Alright.\n\nThanks again, and, yeah, we'll talk soon. Alright. Bye. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.56,"end":0.71999997,"sentiment":"neutral","sentiment_score":0.03216973692178726},{"text":"Mark speaking.","start":0.71999997,"end":1.54,"sentiment":"neutral","sentiment_score":0.03111996129155159},{"text":"Good.","start":6.24,"end":6.56,"sentiment":"positive","sentiment_score":0.514920175075531},{"text":"Good.","start":6.56,"end":6.8799996,"sentiment":"positive","sentiment_score":0.497270405292511},{"text":"How are you?","start":6.8799996,"end":7.62,"sentiment":"neutral","sentiment_score":0.32957889636357623}],"sentiment":"neutral","sentiment_score":0.26191711612045765,"num_words":8,"start":0.56,"end":7.62},{"sentences":[{"text":"That's why you've just got over your sickness the other week.","start":9.92,"end":12.66,"sentiment":"neutral","sentiment_score":-0.1721734921871261},{"text":"Good stuff.","start":23.085,"end":23.645,"sentiment":"neutral","sentiment_score":0.3277726173400879},{"text":"Good 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good.","start":2814.1548,"end":2814.7148,"sentiment":"positive","sentiment_score":0.5275053083896637},{"text":"Alright.","start":2814.7148,"end":2815.035,"sentiment":"positive","sentiment_score":0.5125199556350708},{"text":"Excellent.","start":2815.035,"end":2815.535,"sentiment":"positive","sentiment_score":0.707297682762146}],"sentiment":"positive","sentiment_score":0.4021604855855306,"num_words":6,"start":2803.515,"end":2815.535},{"sentences":[{"text":"Leave it with me.","start":2815.595,"end":2816.2349,"sentiment":"positive","sentiment_score":0.4405714422464371},{"text":"As I said, I'm gonna borrow into that information now, and then I'll get back to you as soon as I can.","start":2816.2349,"end":2821.1301,"sentiment":"neutral","sentiment_score":0.2217254496433518},{"text":"Yeah.","start":2830.805,"end":2831.285,"sentiment":"neutral","sentiment_score":0.2009945958852768},{"text":"No worries.","start":2831.285,"end":2832.025,"sentiment":"neutral","sentiment_score":0.23048055171966553},{"text":"Alright.","start":2832.2449,"end":2832.7249,"sentiment":"neutral","sentiment_score":0.29373905062675476}],"sentiment":"neutral","sentiment_score":0.25319801370302836,"num_words":30,"start":2815.595,"end":2832.7249},{"sentences":[{"text":"Thanks again, and, yeah, we'll talk soon.","start":2832.7249,"end":2834.7449,"sentiment":"positive","sentiment_score":0.5673483567578452},{"text":"Alright.","start":2837.045,"end":2837.525,"sentiment":"positive","sentiment_score":0.5828927159309387},{"text":"Bye.","start":2837.525,"end":2838.025,"sentiment":"positive","sentiment_score":0.5765078067779541},{"text":"Bye.","start":2840.005,"end":2840.505,"sentiment":"neutral","sentiment_score":-0.11156491190195084}],"sentiment":"positive","sentiment_score":0.5019274108111859,"num_words":10,"start":2832.7249,"end":2840.505}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Mark speaking.\n\nChannel 0: Hi. Good afternoon, Mark. Larissa from Oaktree Financial. How are you going?\n\nChannel 1: Good. Good. How are you?\n\nChannel 0: Yeah. Good. Thank you.\n\nChannel 1: That's why you've just got over your sickness the other week.\n\nChannel 0: Oh my lord. Slowly. I think I'm still still a little bit, unfortunately, under the weather, but we're we're right and rearing and pushing through.\n\nChannel 1: Good stuff. Good stuff.\n\nChannel 0: I think just pushing too hard for too long happens, unfortunately.\n\nChannel 1: Yep.\n\nChannel 0: Now I've gone through and put together the advice based on the conversation that we had, and I've sent you an email not too long ago with reference to, like, the documents. That way, we can go through them together rather than me just talk at you. You have something to actually reference\n\nChannel 1: Okay.\n\nChannel 0: what I'm talking\n\nChannel 1: Yep.\n\nChannel 0: about.\n\nChannel 1: Let me go sit in front of the computer. Just give me one minute.\n\nChannel 0: No. That's absolutely okay.\n\nChannel 1: I don't have anything in my inbox. Let me have a look. No. I haven't received anything. Sorry.\n\nChannel 0: Oh, well, technology is never on my side. It arrives in a minute then because I sent it just before I called you.\n\nChannel 1: Yep. No worries. I'll just yep. There you go. It just came through.\n\nOkay. Excellent. Alright.\n\nChannel 0: Is it now?\n\nChannel 1: So there's two documents. Which one am I opening?\n\nChannel 0: The one that says statement of advice rather than\n\nChannel 1: Yep.\n\nChannel 0: appendix.\n\nChannel 1: Got it. Alrighty. Okay. Where do we start?\n\nChannel 0: Okay. Page one. No. So the document, at at its entirety, is basically like, the advice that I've set out, it entails the steps that we're gonna take to put the advice in place should you accept it\n\nChannel 1: Yep.\n\nChannel 0: and goes from there. And now it does center around your, like, your your your superannuation.\n\nChannel 1: Mhmm.\n\nChannel 0: Obviously, your insurance, because you do have an insurance policy in place already for Australian Super. I did take into account your your mortgage\n\nChannel 1: Mhmm.\n\nChannel 0: and what\n\nChannel 1: Mhmm.\n\nChannel 0: that looks like to pay it off. And then as we discussed during our meeting, you did originally come to me a little bit more heavily on the business management side wanting\n\nChannel 1: Yep.\n\nChannel 0: to look at what that might look like.\n\nChannel 1: Mhmm.\n\nChannel 0: But I guess until we have a little bit more of a a goal orientated about how we're going to or what we're going to do, I can't delve too too deeply into it. But we\n\nChannel 1: Yep.\n\nChannel 0: did have that those really good discussions and originally met around some of the areas we could look into moving forward with regards to where we're gonna go.\n\nChannel 1: Mhmm. No worries.\n\nChannel 0: So that's where that currently kinda sits on that front. Now with with respect to, I guess, the the the document, it obviously\n\nChannel 1: Mhmm.\n\nChannel 0: details, like, the assets that you you listed and and assets provided. Obviously, the mortgage, I guess, not mortgage receipt, but the mortgage statement showed me where your mortgage is sitting as at when that statement was pulled. So it's sitting around\n\nChannel 1: Mhmm.\n\nChannel 0: that 620, which is what we discussed anyway. And\n\nChannel 1: Yep.\n\nChannel 0: then you have a little bit sitting in your offset account, which I know is a little bit fluid. Then we have, obviously, your PPR and the current value. I looked it up to see where that's at, and\n\nChannel 1: Yep.\n\nChannel 0: then, obviously, based on the commercial property, the valuation you gave me.\n\nChannel 1: Mhmm.\n\nChannel 0: Now because like, we we spoke about, like, the mortgage. We spoke about wanting to make sure that we're paying out, you know, the mortgage on your property and and having\n\nChannel 1: Mhmm.\n\nChannel 0: you pay and and where that was gonna sit. I did obviously take the mortgage into consideration. You know, you you did give me sort of about a five year timeline for the business and where that was looking at. And I have sort of looked at that, and I wanted to talk you through a couple of, like, options and stuff like that just\n\nChannel 1: Yep.\n\nChannel 0: to kind of open up further discussion\n\nChannel 1: Yep.\n\nChannel 0: as we go through. I do have formal recommendations, but I also have a couple, I guess, discussion points that we can continue kind of working on moving forward as well.\n\nChannel 1: Mhmm. No worries.\n\nChannel 0: So, anyway, let's keep going. Now as I said, your your Australian Super does currently have insurance in it. You have 200,000 of life insurance, and you have total permanent disability of a\n\nChannel 1: Yep.\n\nChannel 0: 100,000. Only cost you about $200 a week sorry, an annum\n\nChannel 1: Yep.\n\nChannel 0: for for that cover. So I did obviously consider that that\n\nChannel 1: Mhmm.\n\nChannel 0: amount when I looked at at what you currently hold with AustralianSuper and and then\n\nChannel 1: Yep.\n\nChannel 0: the all of the the benefits that AustralianSuper is giving you.\n\nChannel 1: Yep.\n\nChannel 0: Now when we spoke and met, when we were talking, we we, you know, we did talk about investments. We talked about where things fit. And you so when we invest, we there's multiple different avenues that we can invest in and when it comes to taking on risk. Now with respect to risk, there's probably three different classifications. One of them comes down to risk profile, and what risk profile means is it's referencing specifically what percentage or what what amount of the asset is actually invested in the market versus what amount is conservatively held.\n\nChannel 1: Yep.\n\nChannel 0: Now you've got, like, an an aggressive investor that's someone that's, you know I mean, you've you've got someone that's really aggressive that's basically, like, you know, red or black at the casino. But you you've got an aggressive investor that's basically a 100% invested or more because you can also have gearing where, you know, you borrow money to invest.\n\nChannel 1: Yep.\n\nChannel 0: That's where\n\nChannel 1: Yep.\n\nChannel 0: the or more than a 100% comes from, all the way down to someone who is extremely conservative, basically has their money in cash only. You came out sort of in that\n\nChannel 1: Yep.\n\nChannel 0: mid range upper\n\nChannel 1: Yep.\n\nChannel 0: mid range\n\nChannel 1: Yep.\n\nChannel 0: where you're you're probably\n\nChannel 1: Yep.\n\nChannel 0: not currently invested as suitably as you could be. And the reason you kinda came out there is a the time horizon before you can access this specific act asset.\n\nChannel 1: Yep.\n\nChannel 0: But, also, when we were talking, just some of the the like, the information you actually provided and\n\nChannel 1: Mhmm.\n\nChannel 0: where you're wanting to head does gear you more towards that sort of what we call a balanced growth. But, realistically, what is what we reference as a a seventy thirty\n\nChannel 1: Yep.\n\nChannel 0: investment split.\n\nChannel 1: Yep.\n\nChannel 0: The name and terminology changes depending on what provider you speak to and everything like that. So the name balanced growth doesn't mean anything, but, realistically, what it comes down to is a seventy thirty split.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: There's a bit of information and graphs and stuff like that that kind of explain a little bit more. I'm not gonna bore you with reading\n\nChannel 1: No.\n\nChannel 0: it verbatim.\n\nChannel 1: No. That's fine. Yeah. I'm sort of flicking through it as you're speaking about it. Yeah.\n\nChannel 0: Yeah. This is why the visual aids are nice.\n\nChannel 1: Yep. Yep. Very good.\n\nChannel 0: Now what my recommendation ultimately comes down to is I looked at your Australian Superfund, and the investment that you currently have in Australian Super, whilst it would obviously be changed,\n\nChannel 1: Yep.\n\nChannel 0: and we could maneuver it, and I'd obviously looked at other options under Australian Super and what that could look like. But your current investments with AustralianSuper, you're sort of sitting at a fifty five forty five. So 55% sitting in, like, gross assets,\n\nChannel 1: Yep.\n\nChannel 0: so\n\nChannel 1: Yep.\n\nChannel 0: intended to grow your investment, and then\n\nChannel 1: Yep.\n\nChannel 0: about 45 sitting defensively.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: So it's quite conservative given your age. You'll you still got quite a while before you can\n\nChannel 1: Yeah.\n\nChannel 0: touch your super asset,\n\nChannel 1: Yep.\n\nChannel 0: so it's not doing you any justice. I also looked at, obviously, other investment options under AustralianSuper because AustralianSuper does have whilst limited, they do have other options.\n\nChannel 1: Yep.\n\nChannel 0: And none of the other options gave me the confidence or the outcome that I was wanting to try and strive towards for you to try and get you the outcome that was gonna give you a decent amount of money\n\nChannel 1: Yep.\n\nChannel 0: and basically put you back on track post your payout to your ex\n\nChannel 1: Yep. Yep. No worries. Okay. I'm just looking at the\n\nChannel 0: wife.\n\nChannel 1: yeah. There's a graph there on page number 20 sort of saying where the money is sort of, yeah, allocated.\n\nChannel 0: No. Heck. Yeah. Yeah. There's a graph on 17, and then yep.\n\nYou're looking at oh, yep. You're looking at, like, the fee comparison table?\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: So just what it's currently invested in by\n\nChannel 0: Oh,\n\nChannel 1: a risk\n\nChannel 0: the\n\nChannel 1: profile.\n\nChannel 0: actual pie graph. Yep.\n\nChannel 1: Yeah. Okay. So that polygraph\n\nChannel 0: Yeah.\n\nChannel 1: represents what for Australian Super or the proposed one that you're suggesting?\n\nChannel 0: So what it what it lays out so the the actual graph is is the actual, like, proposed asset allocation.\n\nChannel 1: Yep.\n\nChannel 0: So the risk profile is basically, like, an algorithm that we've drawn up that we always aim to sort of hit or have a variance of sort of few percentile either either side within\n\nChannel 1: Mhmm.\n\nChannel 0: those different out assets.\n\nChannel 1: Yep.\n\nChannel 0: Your existing is obviously where your Australian super sits. Proposed is basically the assets that I've chosen for you to meet up with that risk profile, never gonna get exactly because I don't wanna always get exactly on the risk profile. The risk profile is a guideline, not\n\nChannel 1: Yep.\n\nChannel 0: a rule, and I wanna make sure that I'm obviously using that as a guide so that way I'm not putting you into assets that are really, really, really risky or,\n\nChannel 1: Mhmm.\n\nChannel 0: you know, not not investing outside of the risk profile that you sort of score in unless it's completely necessary. And\n\nChannel 1: Mhmm.\n\nChannel 0: there are obviously cases where, you know, investing outside of risk profile can be necessary. But, realistically and ultimately, what I wanna do is I wanna sort of hit that rough variance with that risk profile but get assets that are actually gonna work for you. And if you pop back up to the investments table\n\nChannel 1: Yep. Hi,\n\nChannel 0: where\n\nChannel 1: Jay.\n\nChannel 0: it's\n\nChannel 1: Thanks. Yep.\n\nChannel 0: Yeah. Yeah. Where it's got all the fun words and numbers. It sort of shows you, I guess, like, with the actual breakdown. So currently, restraints Australian Superfund has those two holdings.\n\nSo you've\n\nChannel 1: Yep.\n\nChannel 0: got the Australian shares holding and then the conservative holding. That's\n\nChannel 1: Yep.\n\nChannel 0: just the the investment name that Australia Super give them. And what the weighting is that you currently hold, it's structured exactly from your report.\n\nChannel 1: Yep.\n\nChannel 0: And, obviously, the the value based on the report, obviously, it fluctuates and moves, but it's a stagnant in time. And what we're recommending is we obviously sell out of all of that, which is why\n\nChannel 1: Yep.\n\nChannel 0: there's that negative sell amount. We're\n\nChannel 1: Yep.\n\nChannel 0: targeting to have 0%, $0 in that account. So realistically, the the recommendation is that we move a 100% of the assets out of AustralianSuper, and we move over to Hub twenty four as, like, the new investment product.\n\nChannel 1: Mhmm.\n\nChannel 0: I looked at multiple different providers. So Hub twenty fours, like, we're not attached to Hub twenty four. We don't get kicked back to Hub twenty four or any of the investments we we recommend.\n\nChannel 1: Yep.\n\nChannel 0: I recommended Hub twenty four because it gave a wider investment option offering,\n\nChannel 1: Yep.\n\nChannel 0: and it these were better aligned to where I wanna head. So we're not paying the, you know, constant buy sell costs. We can actually do what's called aggregate trading.\n\nChannel 1: Mhmm.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: if we wanna, say, move any of the assets later in down the line because this is not set to get. You know? There are gonna come times where, say, maybe Europe's not doing so well, and we wanna pull a little\n\nChannel 1: Yep.\n\nChannel 0: bit out of Europe, you know, not say all of it, but pull a little bit out of Europe and redistribute some of the waiting elsewhere, then\n\nChannel 1: Yep.\n\nChannel 0: we can do that without incurring buy sell cost\n\nChannel 1: Yeah.\n\nChannel 0: within\n\nChannel 1: Okay.\n\nChannel 0: the plat it's\n\nChannel 1: Yep.\n\nChannel 0: I so it trades within itself.\n\nChannel 1: Yeah. Yep. I understand.\n\nChannel 0: Now have you ever heard of tab 24 before? And a lot of people haven't because it is what's called a retail provider. So they're\n\nChannel 1: Yeah.\n\nChannel 0: not a provider that you know?\n\nChannel 1: No. Look. I haven't heard of them, but I had to dealings with this kind of stuff. I I did have my some of them were super in the a six two hundred directly through. It's a strong super, but I've pulled it away and put it into, obviously, what I've got now.\n\nSo I'm sort of\n\nChannel 0: Yeah.\n\nChannel 1: familiar with what you're talking about.\n\nChannel 0: Perfect. So, yeah, all of these assets are available on the ASX. So the assets that I've recommended for which there are eight of them, realistically, your top four are what's called growth satellite the satellites.\n\nChannel 1: Yep.\n\nChannel 0: So those assets are growth assets, so they're intended to grow your\n\nChannel 1: Mhmm.\n\nChannel 0: your balance, but they are satellite. So they're only a small holding across all four of them. So you'll see it's anywhere between 37%.\n\nChannel 1: Yep.\n\nChannel 0: And all of them are there to diversify you out, not have a a huge, you know, asset\n\nChannel 1: Yep.\n\nChannel 0: allocation within those those areas, but they're there to essentially give you the diversification and act as a small asset to grow your farm.\n\nChannel 1: Yep.\n\nChannel 0: You'll then notice that the next two, which is your IVV and your a 200 or your S and P five\n\nChannel 1: Yep.\n\nChannel 0: 100 and your Australia 200, they are what's called the core of your investment. So the majority of holdings sit there, and that core is there acting to obviously still grow your balance, but they are a good, reliable, steady growth asset.\n\nChannel 1: Yep.\n\nChannel 0: Where your your top four have a little bit more risk variance through them,\n\nChannel 1: Yep.\n\nChannel 0: These two have a lot more stability to them.\n\nChannel 1: Mhmm.\n\nChannel 0: Then you have what is basically your more defensive asset. So gold is kind of a bit of a fifty fifty. It is a growth asset, but it's also technically a\n\nChannel 1: Yeah.\n\nChannel 0: a a value it's more on the lines of a value asset than a growth or a defensive asset. So that's\n\nChannel 1: Mhmm.\n\nChannel 0: why it kinda sits basically halfway between. So it's a value asset, so it's there to give you value. It does obviously have decent growth to it, but also it's a bit of a cushion when the market goes down. Gold generally holds its value pretty well.\n\nChannel 1: Yep.\n\nChannel 0: So we have a value there, and then you've got your your defensive asset. So that's that core composite bond where you've got ass where you've got two or 24% held there.\n\nChannel 1: Yep.\n\nChannel 0: Now the core composite bond underlying within that fund so while there's only eight funds that I've recommended. The asset number under those so each of those assets holds multiple securities. So multiple different companies are listed under those. So, you know, your S and P 500\n\nChannel 1: Yep.\n\nChannel 0: has quite a number of different securities listed under it. Same with the the the core composite bond. The actual whole holdings within that are quite vast. Each of these\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: funds hold anywhere from sort of 10 all the way up to a couple 100 different securities or or stocks. Let's\n\nChannel 1: Yep.\n\nChannel 0: call let's call them stocks. Make it easier. So the reason we obviously don't go and specifically buy, say, like, Woolworth stocks or Caltech stocks or anything like that is because, a, that is direct trading, and it will incur a buy and sell. The cost is exponentially large when we're, you know, direct trading to a a a a stock or an asset.\n\nChannel 1: Mhmm.\n\nChannel 0: Whereas if we go through and actually have funds that bundle up stocks and shares, it reduces our cost down quite astronomically, and we work with the fund managers as well. So with with all these funds, they're internally trading. So, you know, your S and P 500 is obviously your your your top forming 500 companies,\n\nChannel 1: Mhmm.\n\nChannel 0: and that's fluid and moving constantly. So it's not something, you know, you're having to keep an eye on with respect to, well, what's what's now on the S and P 500, what's on\n\nChannel 1: Yep.\n\nChannel 0: offer, has something been kicked out, you know, do I need to change my waiting? It all happens\n\nChannel 1: Mhmm.\n\nChannel 0: organically without you needing to do a buy and sell and,\n\nChannel 1: Yep.\n\nChannel 0: obviously, having that higher cost involved. Does that all make sense?\n\nChannel 1: Mhmm. Yep. Totally. I understand.\n\nChannel 0: Amazing. Now, obviously, with the changeover of a new provider, we would, you know, we need to move your superannuation contributions and stuff like that. We obviously help you out with with redirecting contributions. We fill out the forms and send them to you to make sure that they all happen,\n\nChannel 1: Yep.\n\nChannel 0: and we try to make sure that, you know, contributions are land land on our side. I know that you're self employed, so you are, by essence, the one that takes care of that. But\n\nChannel 1: Yeah.\n\nChannel 0: you and your business are two separate entities. We have to remember that.\n\nChannel 1: Yep. Yep. Yep. No. I understand.\n\nThat's good. Alright. I'll I'll obviously have a read through all of this entirety, like, like, later on today. As far as your I did see somewhere your fee, so I pay that now, obviously, because you prepared the report and whatnot. So I'm looking at page number 45.\n\nSo\n\nChannel 0: Oh, cool. You skipped Biden head. Okay. Yeah.\n\nChannel 1: yeah. I know. I just I was just flipping through everything else. I was\n\nChannel 0: No.\n\nChannel 1: just making\n\nChannel 0: You're okay.\n\nChannel 1: I'm like, I was gonna read all this stuff. There's a lot of words here. I'm like, oh, do you wanna we'll keep on going from where you were and work our way down to that one. Hey?\n\nChannel 0: Happy to skip ahead and skip back. Like, I'm I mean, I\n\nChannel 1: Yeah.\n\nChannel 0: wrote the document, so I'm I'm pretty familiar with it anyway. I don't really\n\nChannel 1: No. No.\n\nChannel 0: need to read it\n\nChannel 1: That's\n\nChannel 0: too much.\n\nChannel 1: so that that's good. So you've explained the the Hub 24 thing. And we\n\nChannel 0: So outside of that, the following recommendation is really centered\n\nChannel 1: looked\n\nChannel 0: around your contributions.\n\nChannel 1: at\n\nChannel 0: Now in the reports you sent,\n\nChannel 1: the\n\nChannel 0: you obviously provided two financial years, which was actually really cool. The one thing I noticed, and we did talk about this anyway, was, like, you're making the additional contributions and that you were going over the your concessional contribution cap. Now what I noticed in the reports was that the 2025 financial year, you hit 28,000 and change. That financial year, the contribution cap was $30,000. So you fell\n\nChannel 1: Yep.\n\nChannel 0: underneath that cap.\n\nChannel 1: Yes. That's right.\n\nChannel 0: Last financial year that that just closed, so 2026, your contributions were 30. Well, I should know this on top of my head.\n\nChannel 1: Oh, I've got\n\nChannel 0: That's\n\nChannel 1: no.\n\nChannel 0: 30\n\nChannel 1: No. That's\n\nChannel 0: two.\n\nChannel 1: fine. I've I've gotta claim one as a personal oh, is it too late now? I did put $10,000 into it. So does that make any difference? Like, personal contribution?\n\nChannel 0: So you you put $10,000 in your,\n\nChannel 1: Yes.\n\nChannel 0: like,\n\nChannel 1: Just\n\nChannel 0: personally? Yeah.\n\nChannel 1: cash. Yep.\n\nChannel 0: Do you transfer it as, like, a b pay payment?\n\nChannel 1: Yeah. Exactly.\n\nChannel 0: Yep. No. That's absolutely fine. And then you we we we can submit what's called a notice of intent to claim.\n\nChannel 1: Yeah. That's what yeah. That's what I was just I wasn't sure if you have to if you don't do that, it goes onto your concessional amount, doesn't\n\nChannel 0: No.\n\nChannel 1: it?\n\nChannel 0: No. It goes on to your non concessional,\n\nChannel 1: Non concessional.\n\nChannel 0: which means\n\nChannel 1: Okay.\n\nChannel 0: that you you pay the tax marginally\n\nChannel 1: Yep.\n\nChannel 0: versus other.\n\nChannel 1: Yep.\n\nChannel 0: However,\n\nChannel 1: I can. Yep.\n\nChannel 0: the report that you provided showed that you've already made 32 I think it was 32,000. I have to look at it again. But that $32,000 worth of contributions for which the concessional contribution so the the superannuation contribution amount, the last financial year was $30,000, which means you've exceeded it by 2,000,\n\nChannel 1: Yep.\n\nChannel 0: which means you pay extra tax. However,\n\nChannel 1: Yep.\n\nChannel 0: this would mean that you automatically trigger what's called the carry forward rule. I can already see, you know, just based on\n\nChannel 1: Yep.\n\nChannel 0: those two financial years that you would just carry forward the twenty twenty five financial years\n\nChannel 1: Yep.\n\nChannel 0: unused caps.\n\nChannel 1: Yep.\n\nChannel 0: The $10,000 that you've that you've paid in in cash, depending on whether you have any availability\n\nChannel 1: Yep.\n\nChannel 0: in the last five years, would depend on whether you can\n\nChannel 1: Yep. Use\n\nChannel 0: whether\n\nChannel 1: a\n\nChannel 0: it\n\nChannel 1: carry\n\nChannel 0: makes\n\nChannel 1: forward balance.\n\nChannel 0: yeah. Otherwise,\n\nChannel 1: Yep.\n\nChannel 0: you actually may bring up a task that's not advantageous for you.\n\nChannel 1: Yep. Yep. Yep. Understand.\n\nChannel 0: It's easy enough to check by going to myGov and seeing what\n\nChannel 1: Yes.\n\nChannel 0: available cap space\n\nChannel 1: Yeah.\n\nChannel 0: you\n\nChannel 1: Yeah.\n\nChannel 0: have.\n\nChannel 1: I've seen I've I've looked at it before. Yeah.\n\nChannel 0: Yes. Yeah. And I know we spoke about the fact that you did have a little bit of room and that we were talking about you doing this anyway,\n\nChannel 1: Yep.\n\nChannel 0: but it's being very careful about not claiming too much.\n\nChannel 1: Yeah. It don't go over the cap.\n\nChannel 0: Yeah. The notice of intent to claim form really easy. I'm\n\nChannel 1: Yep.\n\nChannel 0: happy to fill it out for you.\n\nChannel 1: Mhmm.\n\nChannel 0: But before I would fill it out for you, I would wanna see a screenshot of myGov,\n\nChannel 1: Yep. Yeah.\n\nChannel 0: realistically.\n\nChannel 1: Yep. The contributions cap. Yep.\n\nChannel 0: Historically. Yeah.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: So I can fill that for you. That's that's fine. I do them every day. Save your paperwork. Okay?\n\nChannel 1: Yep. No worries. Okay. Good stuff. So, yeah, I'm on page 21, and I can see you your recommended contributions is 27,625.\n\nSo, yeah, that's under the cap, obviously.\n\nChannel 0: So that's net. Both though these figures are net. So it's it's that takes us up to the the so this financial year, which is 2027 financial year,\n\nChannel 1: Mhmm.\n\nChannel 0: the cap changed to 32,500.\n\nChannel 1: Yep.\n\nChannel 0: Superannuation, when we talk about concessional contributions, when the contribution is paid in concessionally,\n\nChannel 1: Mhmm.\n\nChannel 0: the super fund takes out 15%. It it pays 15% in tax\n\nChannel 1: Yep.\n\nChannel 0: because the assumption is and and what would would have happened with that money is that it hasn't been packed. It hasn't been taxed marginally, so they only they tax it at the superannuation rate of 15\n\nChannel 1: Yep.\n\nChannel 0: percent, which is where\n\nChannel 1: Yep.\n\nChannel 0: we get that twenty seven six twenty five. So\n\nChannel 1: Yep.\n\nChannel 0: that's less than 15%. Yeah. So I'm recommending that we we keep to we keep to our $32,500,\n\nChannel 1: Yep.\n\nChannel 0: essentially.\n\nChannel 1: Yep. No worries.\n\nChannel 0: Now based on your income of 120, which I\n\nChannel 1: Yep.\n\nChannel 0: know that you were considering moving it to $1.30, 1\n\nChannel 1: Mhmm.\n\nChannel 0: 35, whether you've implemented that or not\n\nChannel 1: No. Not yet.\n\nChannel 0: cool. It's a big question mark. But, essentially, what I'm recommending is that based on the $1.20 a $120,000 on the 12\n\nChannel 1: Mhmm.\n\nChannel 0: percent worth of contributions, it essentially breaks down that, you know, your your your your additional contributions would just take you up to the cap. In the\n\nChannel 1: Yep.\n\nChannel 0: document, I broke it down into, you know, what how much that would be each week, fortnight, and month for you depending on how you end up paying your contributions. Obviously, we have paid pay contributions coming in now,\n\nChannel 1: Yep.\n\nChannel 0: but I wanted to make sure that I gave you all of the variances to make\n\nChannel 1: Yep.\n\nChannel 0: it\n\nChannel 1: Yep.\n\nChannel 0: easy.\n\nChannel 1: No. That's fine.\n\nChannel 0: Now, obviously, depending on cash flow for the business, you do have the availability to you could pay the lump sum. Contributions can be paid as lump sum as well.\n\nChannel 1: Yep.\n\nChannel 0: You have a little bit more control in that area. The\n\nChannel 1: Mhmm.\n\nChannel 0: downside to that and when I speak to business owners, one of the things I do because I do have a lot of business owners that just hold up on paying their own contributions until end of financial year. I've seen that you don't do that. You contribute really\n\nChannel 1: No.\n\nChannel 0: regularly.\n\nChannel 1: With cellular sacrosanctomycinetoid. Yeah.\n\nChannel 0: Yeah. But I do have business owners that do tend to try and lump sum it before end of financial year because they're waiting on cash flow and all the rest of it.\n\nChannel 1: Yeah.\n\nChannel 0: The downside\n\nChannel 1: Yeah. No.\n\nChannel 0: for that is that yeah. Sorry.\n\nChannel 1: No. Well, just with the cash flow reasons, I'd like to pay it weekly so that I know where we're at. At, you know, any given point, I know all my liabilities are covered.\n\nChannel 0: Yeah. No. Good. And I would recommend that we keep doing that Purely and simply, a, it means your dollar cost averaging. So you're buying in at different sections of the market constantly across time rather\n\nChannel 1: Yep.\n\nChannel 0: than just luck of the draw, dump the money in on a day, and you're gonna buy in, you know,\n\nChannel 1: Yeah. With\n\nChannel 0: $30\n\nChannel 1: whether it's\n\nChannel 0: worth\n\nChannel 1: oil,\n\nChannel 0: of.\n\nChannel 1: water, or whatever. Yep.\n\nChannel 0: Correct. Don't be wrong. If it's low, massive win, but there's no guarantees. Whereas your dollar cost average has a better compounding outcome\n\nChannel 1: Yep. Yep.\n\nChannel 0: than lump sum contributions do.\n\nChannel 1: Yep. Understood.\n\nChannel 0: So your the contributions that I'm recommending with respect to ongoing basically amounts to the 32,500. So if you do obviously increase your wage, just making sure that we tailor\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: the\n\nChannel 1: The excess\n\nChannel 0: the contribution\n\nChannel 1: payments.\n\nChannel 0: that\n\nChannel 1: Yeah.\n\nChannel 0: yep. Exactly. So not exceed that on that front.\n\nChannel 1: Yep.\n\nChannel 0: But\n\nChannel 1: No\n\nChannel 0: that sure\n\nChannel 1: worries.\n\nChannel 0: makes sense. And there's obviously the the tax benefits, which for you, the tax benefits are a bit wishy washy because, obviously, it's the business that's that's paying\n\nChannel 1: Yeah.\n\nChannel 0: a lot of it and and the the less yourself.\n\nChannel 1: Yeah. Yeah. And I look I I understand sort of what you're saying here with the super. It's pretty well laid out. I mean, I sort of have familiar I'm familiar with most of what you're saying.\n\nSo looks good. So that's good. And I've been on page what am I up to? Page 22. I can see that you just summarized\n\nChannel 0: Yep.\n\nChannel 1: the the chain that we've been the forecasting five to ten years. Annual investment. No. It's a you're still on super versus hub 24. That looks all good.\n\nAnd then so retirement income package. So this is the the income calculator on the next page. It's just about how much money is gonna be there in supers,\n\nChannel 0: Longevity\n\nChannel 1: and what is\n\nChannel 0: wise.\n\nChannel 1: it? Yeah. Okay.\n\nChannel 0: But\n\nChannel 1: So\n\nChannel 0: that without having because I there's obviously a lot of there's a lot of oh my gosh. The word there's a lot of other variant variables that would need to be considered, but I always like just having a, I guess, a bit of a snapshot of, well, you know, if we ignore everything else, we just have your super. This is basically if we did a drawdown, this is what it would look like.\n\nChannel 1: Alright. So, yeah, if I was to retire today.\n\nChannel 0: I did age 60 because you can't retire today,\n\nChannel 1: Yeah.\n\nChannel 0: but,\n\nChannel 1: Yeah. Yep.\n\nChannel 0: yeah, from age 60 through, basically, the value that you have within the funds come age 60, so sort of thirteen years'\n\nChannel 1: Yep.\n\nChannel 0: time, what that looks like, how much money you would have, and what that longevity is. Again, Centrelink wasn't factored in,\n\nChannel 1: Yep.\n\nChannel 0: and and that would become a factor anyway.\n\nChannel 1: Okay.\n\nChannel 0: You know,\n\nChannel 1: Yep.\n\nChannel 0: you you you currently have, you know, the the the the business that could be sold and then the and the building and stuff like that.\n\nChannel 1: But,\n\nChannel 0: Again,\n\nChannel 1: yeah,\n\nChannel 0: not\n\nChannel 1: that's\n\nChannel 0: factored in. There's\n\nChannel 1: that's\n\nChannel 0: a big\n\nChannel 1: just\n\nChannel 0: question\n\nChannel 1: a forecast\n\nChannel 0: mark.\n\nChannel 1: of, yeah, superannuation and how far how much we pay out from the age of 60. Yep. Okay.\n\nChannel 0: Correct.\n\nChannel 1: I get that. That's no dramas. I'll have a read of the fine print on the following page when I get time.\n\nChannel 0: Yeah. That's okay.\n\nChannel 1: And then what's the table here on page 25? So salaries are reflected to false income. That's just summarizing.\n\nChannel 0: The the tax implications\n\nChannel 1: Yeah.\n\nChannel 0: and salary sacrifice and such like that.\n\nChannel 1: Yep. Excellent. Alright. I'll read the advantages and disadvantages later on, and I'll review\n\nChannel 0: Okay.\n\nChannel 1: those that later. Insurance policy. Okay. So up to insurance on page 28.\n\nChannel 0: Yep. I'm with you. So I had a look at insurance, and we did speak a bit of it a bit about insurance as well. But I had a look at it, and I looked at the, I guess, the\n\nChannel 1: Yep.\n\nChannel 0: the implications of having it versus not having a policy.\n\nChannel 1: Yep.\n\nChannel 0: Now I looked at in the event that you would have passed away, and we spoke about this as well, in the event that you would have passed away, the kids essentially get a house and they get the building, the commercial building.\n\nChannel 1: Yep. Yep. Correct.\n\nChannel 0: Business building. Yep. So they are readily looked after. They'd walk away with easy a mil each. And as we discussed, you were quite happy with that.\n\nWith\n\nChannel 1: Yep.\n\nChannel 0: them\n\nChannel 1: Yep.\n\nChannel 0: having that, that sets them up without, you know, giving them an additional benefit for, you know, no real reason that you're having to pay the premiums on.\n\nChannel 1: Yep.\n\nChannel 0: I looked at total and permanent disability. And as we spoke about, theoretically speaking, the business could operate without you.\n\nChannel 1: Yep.\n\nChannel 0: You know, you'd obviously have to get someone in, and and there would be a a few things that, you know, would probably cause a bit of headache. But\n\nChannel 1: Yep.\n\nChannel 0: other than that, again, the building could be sold that your current house could be sold, and downsizing could definitely happen. And then we also spoke about income protection, which is basically if you were short term ill or injured.\n\nChannel 1: Yep. Yep.\n\nChannel 0: And, again, we had that conversation. The business is able to run-in the short term without you, and there wasn't a lot, you know, outside of maybe really, really major medical, so, like, a stroke or\n\nChannel 1: Yeah.\n\nChannel 0: something that put you completely out. You know, if you broke a leg or anything like that, you would still be able to work on the business, just not in it type of thing.\n\nChannel 1: Yep. Yep.\n\nChannel 0: You know, you can still do all of the paperwork and back end stuff, so you still have that capacity because you have workers working for you.\n\nChannel 1: Yes.\n\nChannel 0: So I while I did look at, you know, what insurance would cost\n\nChannel 1: Correct.\n\nChannel 0: if we did write it, it\n\nChannel 1: Yep.\n\nChannel 0: just wasn't advantageous, and it made absolutely no sense to\n\nChannel 1: Yep.\n\nChannel 0: go ahead and write a policy.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: That's\n\nChannel 0: what\n\nChannel 1: good.\n\nChannel 0: I'm actually recommending is we cancel it. Whilst\n\nChannel 1: Yep.\n\nChannel 0: this policy does only cost you a couple $100 a year, putting that back into your super and keeping in your super made way more sense compounding\n\nChannel 1: Yeah.\n\nChannel 0: than if we were to go and write another policy.\n\nChannel 1: Yeah.\n\nChannel 0: Now\n\nChannel 1: Yeah.\n\nChannel 0: don't get me wrong. I did look at a policy that covered off the mortgage, so, like, that $606,120,000 dollars. And\n\nChannel 1: Yeah.\n\nChannel 0: we were looking at sort of $600 a year for the\n\nChannel 1: Yep.\n\nChannel 0: first year. But the older you get, the more that is gonna cost. And, again, what was the real benefit for it?\n\nChannel 1: Yeah. No. I'm I'm on I'm with you on that one. I like I like what you're saying.\n\nChannel 0: Yes. Yeah. So it just didn't it didn't have a have have a benefit. Obviously, there's risks to canceling a policy. You no longer have that additional benefit,\n\nChannel 1: Yep.\n\nChannel 0: la la la, along those lines.\n\nChannel 1: Understand.\n\nChannel 0: But it's just doesn't really give us an advantageous position\n\nChannel 1: Yep. Yep.\n\nChannel 0: long term to what our actual goals are.\n\nChannel 1: Nothing.\n\nChannel 0: If\n\nChannel 1: Nothing.\n\nChannel 0: I was talking to you maybe ten or fifteen years ago, kids were a little bit younger,\n\nChannel 1: Yeah.\n\nChannel 0: Story would be different,\n\nChannel 1: More dependent.\n\nChannel 0: but we're in\n\nChannel 1: Yeah.\n\nChannel 0: a slightly different situation.\n\nChannel 1: Yep. I agree. I'm with you on that one. That's a good one. The next part's about the offset.\n\nChannel 0: Yes. So I did look at, like, the offset and whether, like because you currently have money in the offset, and I know that\n\nChannel 1: Yep.\n\nChannel 0: that's it's a little bit fluid, whether maybe taking money from your offset and putting it further into your superannuation would, like, as non concessional for after tax contribution were gonna be\n\nChannel 1: Yep.\n\nChannel 0: beneficial. And, honestly, the savings that you're getting from using your offset the way you're using it were a lot better than putting those contributions in. So I recommended that we just we you you keep using your offset the way you're using it\n\nChannel 1: Yeah.\n\nChannel 0: and that we don't look to\n\nChannel 1: Yep.\n\nChannel 0: change that current position.\n\nChannel 1: It looks like I'm saving about 28,000 on interest, is it? 28,490 or something like that. So yeah. Alright. That's good.\n\nDon't touch it, Mark.\n\nChannel 0: Don't touch it.\n\nChannel 1: Yeah. No. That's alright.\n\nChannel 0: So yeah. Realistically speaking, the the the offsets doing doing wonders. I mean, they always do do do\n\nChannel 1: Yep.\n\nChannel 0: wonders, which is great.\n\nChannel 1: No. That's good. I could deny that I've done the right thing and sitting in the right spot.\n\nChannel 0: Yeah. Very much so.\n\nChannel 1: Yep.\n\nChannel 0: The good like, the the great thing with with Offset then and what I would probably recommend is that you just you make sure that you keep as much money in there as possible and just keep get paid into that account, keep as much money in there. If you have to pay a bill, you obviously pay the bill from that account. That's fine\n\nChannel 1: Yep. Yep.\n\nChannel 0: because interest is calculated daily.\n\nChannel 1: Yep.\n\nChannel 0: So that's the real benefit to it.\n\nChannel 1: Excellent. Alright. You've covered that one off. That's good.\n\nChannel 0: Cool.\n\nChannel 1: Looks like the next section is page 35.\n\nChannel 0: Beneficiaries.\n\nChannel 1: What's that?\n\nChannel 0: So with with the establishment of a new fund, we\n\nChannel 1: Yep.\n\nChannel 0: need to nominate a beneficiary to receive the benefit if it was to occur that you passed away and therefore\n\nChannel 1: Oh, yeah. Nominate. Oh,\n\nChannel 0: the\n\nChannel 1: yeah.\n\nChannel 0: superannuation\n\nChannel 1: This is the same as what I've got with this Australian Super Year.\n\nChannel 0: yes. However, what I'm recommending, and this is for tax purposes, is that you actually nominate your legal personal representative,\n\nChannel 1: Yep.\n\nChannel 0: which is your estate, and then we make sure that we get the will\n\nChannel 1: Mhmm.\n\nChannel 0: in place and updated and make sure\n\nChannel 1: Yeah.\n\nChannel 0: that it has our wishes included in it\n\nChannel 1: Yeah.\n\nChannel 0: so that\n\nChannel 1: I need\n\nChannel 0: the benefit\n\nChannel 1: to do that.\n\nChannel 0: can go through to the kids.\n\nChannel 1: Yep.\n\nChannel 0: The\n\nChannel 1: Yep.\n\nChannel 0: reason\n\nChannel 1: No worries.\n\nChannel 0: I'm recommending this structure versus directly nominating the children because the the children I know they're not children. They're they're big, but they're\n\nChannel 1: Yep.\n\nChannel 0: still your children. Okay. The the kids, whilst they are a CIS, like, SIS, superannuation industry act\n\nChannel 1: Yep.\n\nChannel 0: legal beneficiary, they are, however, nontax dependent because they are grown.\n\nChannel 1: Yep.\n\nChannel 0: And what would happen is if you were to pass away and they receive the benefit, the\n\nChannel 1: Mhmm.\n\nChannel 0: taxable component for which majority of your super fund is taxable, the taxable component is paid to them with a 17% tax taken out of it\n\nChannel 1: Yep.\n\nChannel 0: versus if it's paid to your estate, it's only 15%.\n\nChannel 1: Oh, yeah. Okay.\n\nChannel 0: And, realistically, because you have you have the business, you have a house, you have the cars, personal assets, a beneficiary nomination to the super fund doesn't cover any of that, and only a will can cover all of that information off anyway. So the will is an important document to\n\nChannel 1: Yep.\n\nChannel 0: just be able to to have in place. The other benefit is is that a will has a executor nominated to on it. And,\n\nChannel 1: Yes.\n\nChannel 0: realistically, if anything were to happen to you, banks, us, super funds, insurance companies, anything like that, can't talk to anyone. Privacy act, even\n\nChannel 1: Yep.\n\nChannel 0: upon death, restricts us from talking to anyone,\n\nChannel 1: Yep.\n\nChannel 0: which is painful. But\n\nChannel 1: Yep.\n\nChannel 0: a a a will nominating executor removes that and enables us to obviously start talking and communicating with an appointed person.\n\nChannel 1: Yep.\n\nChannel 0: There are some really good providers around. If you don't wanna go to a solicitor, you you know, you don't wanna go and spend realistically, a simple will is only about 750 to 1,500\n\nChannel 1: Yep.\n\nChannel 0: dollars depending on who you go through. So they're\n\nChannel 1: Yep.\n\nChannel 0: not stupid expensive like people think.\n\nChannel 1: Mhmm.\n\nChannel 0: But other than that, I wouldn't really recommend that you go for a will kit through the post office. While they are\n\nChannel 1: Yep.\n\nChannel 0: available,\n\nChannel 1: Yeah.\n\nChannel 0: they're\n\nChannel 1: And\n\nChannel 0: only\n\nChannel 1: I'll\n\nChannel 0: about\n\nChannel 1: get\n\nChannel 0: 30\n\nChannel 1: it get\n\nChannel 0: bucks.\n\nChannel 1: it done properly. Yeah. I'll grab with you there.\n\nChannel 0: Yeah. They're just not that great. There are some online\n\nChannel 1: Yep.\n\nChannel 0: support services, though, that can give it that can help you. There are some online companies like Willed, w I, double l, e d,\n\nChannel 1: Yep.\n\nChannel 0: that are like, you still do it yourself, but it's supported. You do it yourself supported. It's only a couple $100 doing it that way. Again, a solicitor is gonna give you a much better outcome,\n\nChannel 1: Yep.\n\nChannel 0: though.\n\nChannel 1: Yep.\n\nChannel 0: In seeing a solicitor, my other recommendation, which the next two points are basically go and get a will. And\n\nChannel 1: Yep.\n\nChannel 0: the last one is when seeing a solicitor, because you are a single person now, so no longer married,\n\nChannel 1: Yep.\n\nChannel 0: I recommend that you actually look at getting what's called a power of attorney document\n\nChannel 1: Yep.\n\nChannel 0: drawn up as well.\n\nChannel 1: Yep.\n\nChannel 0: Because it just if anything were to happen, you did fall ill, it appoints someone to make financial and medical decisions on your behalf. Doesn't\n\nChannel 1: Yep.\n\nChannel 0: have to be the kids. It can be someone else that you trust.\n\nChannel 1: Yep.\n\nChannel 0: But, generally, that falls to a spouse, so\n\nChannel 1: Yep. Yeah.\n\nChannel 0: nominating\n\nChannel 1: In my\n\nChannel 0: someone\n\nChannel 1: case, it\n\nChannel 0: else.\n\nChannel 1: doesn't yeah. It doesn't happen here.\n\nChannel 0: Yeah. Just having that clear defined role is just gonna\n\nChannel 1: Yep.\n\nChannel 0: help you out on that on that side.\n\nChannel 1: That's fine. That's a good one. I didn't think of that either.\n\nChannel 0: Yeah. Yeah. So and,\n\nChannel 1: Very\n\nChannel 0: again,\n\nChannel 1: good.\n\nChannel 0: a a lawyer can draw them up. They can draw them up together at the same time nice and easy. If you don't have a lawyer, I have one that's I mean, you're local around my area, so I have one that's literally around the corner from the office\n\nChannel 1: Yep.\n\nChannel 0: that I can send you the details for. You're able to go and sit with them. They did my will too and my husband's\n\nChannel 1: Yep.\n\nChannel 0: if you want. Otherwise, you're more than welcome to obviously source your own lawyer.\n\nChannel 1: Yep. No worries. Alright. I've got some work to do there.\n\nChannel 0: Always fun when you meet with someone, they give you homework.\n\nChannel 1: Yeah. Got plenty of reading and stuff to do. So very good. Alright. What's next on the agenda?\n\nWhat do we go from here? What do we look at next?\n\nChannel 0: So now it's like the remuneration side. So, obviously, I am a fee for service provider. I\n\nChannel 1: Yep.\n\nChannel 0: do charge a fee. So if you accept the advice, ultimately, what we would do is, a, I would need your tax phone number, and I need a copy of your ID. And\n\nChannel 1: Yep.\n\nChannel 0: I would need confirmation of your birth date as well.\n\nChannel 1: Yep.\n\nChannel 0: We would then be able to implement and execute everything. I've I've emailed you these documents because it's a lot easier to go through these documents via\n\nChannel 1: Yep.\n\nChannel 0: email than it is to go through, like, the signing software that we use. But what I would do is I would send you all the documents, including the applications and everything like that for you to be able to sign.\n\nChannel 1: Yep. Yep.\n\nChannel 0: And after that, we would be able to implement the advice. So we we would execute\n\nChannel 1: Mhmm.\n\nChannel 0: rollovers and transfers, the account set up, and everything, and we charge the $4,950 to do that, to execute it, to\n\nChannel 1: Yep.\n\nChannel 0: set you up, to buy the investments, and make sure everything goes smoothly. We draw up all the documentation for, like, the salary sacrifice and everything like that and provide\n\nChannel 1: Mhmm.\n\nChannel 0: you with your contribution details.\n\nChannel 1: Yep.\n\nChannel 0: Ongoing from there, you have complete access to me and my team. So I'm one\n\nChannel 1: Mhmm.\n\nChannel 0: of six advisers with Oakview, and, total, we have about 20 staff, which, you know, there's administration staff as well that would be able to assist you with any inquiries or connect you straight to me.\n\nChannel 1: Yep. Yep.\n\nChannel 0: And you're not limited to how much you contact us. You can contact us as much or as little as you want. At a minimum, we will be contacting you annually,\n\nChannel 1: Yeah.\n\nChannel 0: so once a year, to go through and do a complete review of your position and sit down and have an advice discussion like we did last month. And the reason\n\nChannel 1: Yep.\n\nChannel 0: for that is is because your situation is never stagnant. We wanna make sure that we're keeping up to date with it. We wanna\n\nChannel 1: Mhmm.\n\nChannel 0: make sure that we're keeping up to date with the market and the economy and making any tweaks and changes that may need to be made as we go through.\n\nChannel 1: Yep.\n\nChannel 0: However, more than happy to also meet quarterly or half yearly. It's just completely dependent on what you're wanting preference wise and\n\nChannel 1: Yep.\n\nChannel 0: whether, you know, you're someone that wants to continue talking or whether you're like, no. Look. Yearly is fine.\n\nChannel 1: Yep.\n\nChannel 0: But we can organize that at a later time anyway.\n\nChannel 1: Yep.\n\nChannel 0: So our service fee for that is 1.65% of the balance of some. So that would roughly be $3,006.82, but we do cap our fees at 9,900. So irrespective of how high your balance grows, we wouldn't\n\nChannel 1: Yep.\n\nChannel 0: charge more than that. That makes sense.\n\nChannel 1: Yep.\n\nChannel 0: Mhmm.\n\nChannel 1: Yep.\n\nChannel 0: But\n\nChannel 1: Makes sense. Yep.\n\nChannel 0: cool.\n\nChannel 1: Sounds like you're about to die. You got me to have a glass of water.\n\nChannel 0: I know. Sorry. It's just the talking and the voice losses and the like like I said,\n\nChannel 1: Yeah.\n\nChannel 0: like, I just the flu threw me around something shocking, unfortunately.\n\nChannel 1: Yeah. Yeah. Alright. No worries. So my options are to take on all your recommendations.\n\nObviously, that's the one you just walked me through. What if\n\nChannel 0: Yes.\n\nChannel 1: there's what if there is part of the things that I wanna go ahead with and other things I don't wanna go ahead with?\n\nChannel 0: Absolutely. So if you have a look down at the second to last page, it's the page you basically sign on. It's you know, I hereby authorize myself and my author number and the company and all the rest of it to implement it. Well, the second paragraph is I have chosen to vary the recommendations, and then that nice big section\n\nChannel 1: Yep.\n\nChannel 0: of white paper for which\n\nChannel 1: Yep.\n\nChannel 0: when I send it to you via the electronic signing, you\n\nChannel 1: Yep.\n\nChannel 0: would be able to free type into that section stipulating what you do and don't want implemented.\n\nChannel 1: Yep. Excellent.\n\nChannel 0: Obviously, if\n\nChannel 1: Alright.\n\nChannel 0: it's complex in nature, I e, you turn around and go, I hate this investment,\n\nChannel 1: Yep.\n\nChannel 0: I'm gonna have a follow-up question, and then I'd probably just redo the investment structure for you rather than vary the implementation or, like, cut out an investment option. I would just work with you to alter that.\n\nChannel 1: Yep.\n\nChannel 0: So that's essentially where that where that goes.\n\nChannel 1: No worries. So I've probably got I need to have a good read through all this now and then make make a decision on which way I'm gonna go with it. Leave it with me. Poor timing. I'm about I'm happy on long service leave for three weeks.\n\nSo maybe I should\n\nChannel 0: Yes.\n\nChannel 1: just get stuck in and read it tonight and just get it out of the way. And, yeah, I'll try and get back to you as soon as possible. But,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, there's a lot of lot of reading and consideration there, so\n\nChannel 0: That's\n\nChannel 1: that\n\nChannel 0: absolutely\n\nChannel 1: that's good.\n\nChannel 0: okay. The one question I really had for you is amongst everything, I actually never grabbed your full date of birth. I had the year you were born,\n\nChannel 1: Yep.\n\nChannel 0: but I never\n\nChannel 1: May\n\nChannel 0: grabbed\n\nChannel 1: 3.\n\nChannel 0: your month oh,\n\nChannel 1: Yep. Easy one.\n\nChannel 0: Amazing. So I just I obviously need that for any of the applications and stuff like that. What I can do is I can put everything together in the signing documents, and I\n\nChannel 1: Mhmm.\n\nChannel 0: can email that through to you as well. So that way, after you finish reading the statement of advice that is obviously the full statement, the appendix we haven't gone through, but, realistically, the appendix is some of the research that I conducted in line with\n\nChannel 1: Yep.\n\nChannel 0: the recommendation. So it has the insurance side of stuff that I looked at and, like, links to each of the investments that I'm recommending and just supporting information for\n\nChannel 1: Yep.\n\nChannel 0: you.\n\nChannel 1: Yep.\n\nChannel 0: More? Have to read.\n\nChannel 1: Wait. I'll probably flick through that one.\n\nChannel 0: Yeah. So I have all that sitting there as well. There's a full breakdown of, like, each of the investment opt options that we discussed. So your your risk profiles, how it breaks down, and just sort of information for you to to be able to sort of read through. It's nothing overly complex, very much similar\n\nChannel 1: Yep.\n\nChannel 0: in nature with with what we have. There's a comparison\n\nChannel 1: Yep.\n\nChannel 0: as if we were to move you to a similar investment option\n\nChannel 1: Mhmm.\n\nChannel 0: under AustralianSuper so that way you can see what that looks like as well,\n\nChannel 1: Yep.\n\nChannel 0: you know, mortgage currently and stuff like that. Nothing nothing complex, nothing, you know, very informative. It's a lot of graphs more\n\nChannel 1: Yep.\n\nChannel 0: so than words.\n\nChannel 1: That's good.\n\nChannel 0: So that's it.\n\nChannel 1: Very\n\nChannel 0: But what\n\nChannel 1: good.\n\nChannel 0: I'll do is I'll roll the documents up, and I'll email them to you through that signing call.\n\nChannel 1: Yep.\n\nChannel 0: That way, should you wanna proceed, you're able to sign it.\n\nChannel 1: Yep.\n\nChannel 0: But otherwise, realistically, what will happen is one of my team, Maddie, you've just talked to Maddie\n\nChannel 1: Yep.\n\nChannel 0: before, she'll basically touch base with you in a few days. And as always, if you email me, I'll get back to you. And, you know,\n\nChannel 1: Yep.\n\nChannel 0: if you wanna have another chat, we can have another chat anyway.\n\nChannel 1: Too good. Alright. Excellent. Leave it with me. As I said, I'm gonna borrow into that information now, and then I'll get back to you as soon as I can.\n\nChannel 0: Yeah. Look. If you end up getting through everything and, you know, you wanna go and enjoy your holiday because you weren't perfectly entitled to that, that's okay as\n\nChannel 1: Yeah. No worries. Alright.\n\nChannel 0: well.\n\nChannel 1: Thanks again, and, yeah, we'll talk soon.\n\nChannel 0: Absolutely, Mark. My pleasure.\n\nChannel 1: Alright. Bye.\n\nChannel 0: Have a good one. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.56,"end":0.71999997,"sentiment":"neutral","sentiment_score":0.03216973692178726},{"text":"Mark speaking.","start":0.71999997,"end":1.54,"sentiment":"neutral","sentiment_score":0.03111996129155159}],"sentiment":"neutral","sentiment_score":0.03146988650163015,"channel":1,"num_words":3,"start":0.56,"end":1.54},{"sentences":[{"text":"Hi.","start":2.3999999,"end":2.8,"sentiment":"neutral","sentiment_score":0.20257437229156497},{"text":"Good afternoon, Mark.","start":2.8,"end":3.76,"sentiment":"positive","sentiment_score":0.4444970488548279},{"text":"Larissa from Oaktree Financial.","start":3.76,"end":5.12,"sentiment":"positive","sentiment_score":0.37548668682575226},{"text":"How are you going?","start":5.12,"end":6.02,"sentiment":"positive","sentiment_score":0.3479335978627205}],"sentiment":"positive","sentiment_score":0.3691455548008283,"channel":0,"num_words":12,"start":2.3999999,"end":6.02},{"sentences":[{"text":"Good.","start":6.24,"end":6.56,"sentiment":"positive","sentiment_score":0.514920175075531},{"text":"Good.","start":6.56,"end":6.8799996,"sentiment":"positive","sentiment_score":0.497270405292511},{"text":"How are you?","start":6.8799996,"end":7.62,"sentiment":"neutral","sentiment_score":0.32957889636357623}],"sentiment":"positive","sentiment_score":0.40018545389175414,"channel":1,"num_words":5,"start":6.24,"end":7.62},{"sentences":[{"text":"Yeah.","start":7.8399997,"end":8.32,"sentiment":"neutral","sentiment_score":0.25343674421310425},{"text":"Good.","start":8.32,"end":8.8,"sentiment":"positive","sentiment_score":0.4496316909790039},{"text":"Thank you.","start":8.8,"end":9.62,"sentiment":"positive","sentiment_score":0.5111711472272873}],"sentiment":"positive","sentiment_score":0.4313526824116707,"channel":0,"num_words":4,"start":7.8399997,"end":9.62},{"sentences":[{"text":"That's why you've just got over your sickness the other week.","start":9.92,"end":12.66,"sentiment":"neutral","sentiment_score":-0.1721734921871261}],"sentiment":"neutral","sentiment_score":-0.1721734921871261,"channel":1,"num_words":11,"start":9.92,"end":12.66},{"sentences":[{"text":"Oh my lord.","start":13.195,"end":14.174999,"sentiment":"neutral","sentiment_score":-0.24661827087402344},{"text":"Slowly.","start":14.315,"end":14.815,"sentiment":"neutral","sentiment_score":-0.196247860789299},{"text":"I think I'm still still a little bit, unfortunately, under the weather, but we're we're right and rearing and pushing through.","start":15.275,"end":22.255,"sentiment":"neutral","sentiment_score":-0.19272129166693913}],"sentiment":"neutral","sentiment_score":-0.19932999193668366,"channel":0,"num_words":25,"start":13.195,"end":22.255},{"sentences":[{"text":"Good stuff.","start":23.085,"end":23.645,"sentiment":"neutral","sentiment_score":0.3277726173400879},{"text":"Good stuff.","start":23.645,"end":24.465,"sentiment":"neutral","sentiment_score":0.18966207653284073}],"sentiment":"neutral","sentiment_score":0.2587173469364643,"channel":1,"num_words":4,"start":23.085,"end":24.465},{"sentences":[{"text":"I think just pushing too hard for too long happens, unfortunately.","start":24.864998,"end":28.85,"sentiment":"negative","sentiment_score":-0.4325858476487073}],"sentiment":"negative","sentiment_score":-0.4325858476487073,"channel":0,"num_words":11,"start":24.864998,"end":28.85},{"sentences":[{"text":"Yep.","start":29.58,"end":30.08,"sentiment":"neutral","sentiment_score":-0.008848370984196663}],"sentiment":"neutral","sentiment_score":-0.008848370984196663,"channel":1,"num_words":1,"start":29.58,"end":30.08},{"sentences":[{"text":"Now I've gone through and put together the advice based on the conversation that we had, and I've sent you an email not too long ago with reference to, like, the documents.","start":32.27,"end":45.664997,"sentiment":"neutral","sentiment_score":0.08794001251226291},{"text":"That way, we can go through them together rather than me just talk at you.","start":45.664997,"end":49.024998,"sentiment":"neutral","sentiment_score":0.08553957889477412},{"text":"You have something to actually reference","start":49.024998,"end":50.545,"sentiment":"neutral","sentiment_score":0.02233550325036049}],"sentiment":"neutral","sentiment_score":0.07983371893049411,"channel":0,"num_words":53,"start":32.27,"end":50.545},{"sentences":[{"text":"Okay.","start":50.524998,"end":51.024998,"sentiment":"neutral","sentiment_score":0.01762794330716133}],"sentiment":"neutral","sentiment_score":0.01762794330716133,"channel":1,"num_words":1,"start":50.524998,"end":51.024998},{"sentences":[{"text":"what I'm talking","start":50.545,"end":51.504997,"sentiment":"neutral","sentiment_score":-0.0015599220835914214}],"sentiment":"neutral","sentiment_score":-0.0015599220835914214,"channel":0,"num_words":3,"start":50.545,"end":51.504997},{"sentences":[{"text":"Yep.","start":51.245,"end":51.644997,"sentiment":"neutral","sentiment_score":-0.009775394573807716}],"sentiment":"neutral","sentiment_score":-0.009775394573807716,"channel":1,"num_words":1,"start":51.245,"end":51.644997},{"sentences":[{"text":"about.","start":51.504997,"end":52.004997,"sentiment":"neutral","sentiment_score":-0.012154748663306236}],"sentiment":"neutral","sentiment_score":-0.012154748663306236,"channel":0,"num_words":1,"start":51.504997,"end":52.004997},{"sentences":[{"text":"Let me go sit in front of the computer.","start":51.644997,"end":53.405,"sentiment":"neutral","sentiment_score":0.0010046536723772685},{"text":"Just give me one minute.","start":53.405,"end":54.545,"sentiment":"neutral","sentiment_score":-0.008451427705585957}],"sentiment":"neutral","sentiment_score":-0.0023725182483238833,"channel":1,"num_words":14,"start":51.644997,"end":54.545},{"sentences":[{"text":"No.","start":55.024998,"end":55.184998,"sentiment":"neutral","sentiment_score":-0.12522414326667786},{"text":"That's absolutely okay.","start":55.184998,"end":56.405,"sentiment":"neutral","sentiment_score":-0.13631044576565424}],"sentiment":"neutral","sentiment_score":-0.13353887014091015,"channel":0,"num_words":4,"start":55.024998,"end":56.405},{"sentences":[{"text":"I don't have anything in my inbox.","start":72.445,"end":74.384995,"sentiment":"neutral","sentiment_score":-0.17349133108343398},{"text":"Let me have a look.","start":74.604996,"end":75.744995,"sentiment":"neutral","sentiment_score":-0.03179590366780758},{"text":"No.","start":79.325,"end":79.485,"sentiment":"neutral","sentiment_score":-0.19627425074577332},{"text":"I haven't received anything.","start":79.485,"end":80.685,"sentiment":"neutral","sentiment_score":-0.2484697364270687},{"text":"Sorry.","start":80.685,"end":81.185,"sentiment":"neutral","sentiment_score":-0.17009004950523376}],"sentiment":"neutral","sentiment_score":-0.15187011566013098,"channel":1,"num_words":18,"start":72.445,"end":81.185},{"sentences":[{"text":"Oh, well, technology is never on my side.","start":81.775,"end":84.595,"sentiment":"neutral","sentiment_score":-0.15408030059188604},{"text":"It arrives in a minute then because I sent it just before I called you.","start":85.979996,"end":89.6,"sentiment":"neutral","sentiment_score":-0.042408460502823195}],"sentiment":"neutral","sentiment_score":-0.08125083966423637,"channel":0,"num_words":23,"start":81.775,"end":89.6},{"sentences":[{"text":"Yep.","start":89.84,"end":90.24,"sentiment":"neutral","sentiment_score":0.028957851231098175},{"text":"No worries.","start":90.24,"end":90.98,"sentiment":"neutral","sentiment_score":0.05392923578619957},{"text":"I'll just yep.","start":91.04,"end":91.68,"sentiment":"neutral","sentiment_score":0.047479518999656044},{"text":"There you go.","start":91.68,"end":92.08,"sentiment":"neutral","sentiment_score":0.08227585256099701},{"text":"It just came through.","start":92.08,"end":93.06,"sentiment":"neutral","sentiment_score":0.08322426863014698}],"sentiment":"neutral","sentiment_score":0.06607534707738803,"channel":1,"num_words":13,"start":89.84,"end":93.06},{"sentences":[{"text":"Okay.","start":93.775,"end":94.015,"sentiment":"neutral","sentiment_score":0.16669069230556488},{"text":"Excellent.","start":94.015,"end":94.515,"sentiment":"neutral","sentiment_score":0.31680893898010254},{"text":"Alright.","start":94.575,"end":95.075,"sentiment":"neutral","sentiment_score":0.1249755322933197}],"sentiment":"neutral","sentiment_score":0.20282505452632904,"channel":1,"num_words":3,"start":93.775,"end":95.075},{"sentences":[{"text":"Is it now?","start":94.619995,"end":95.52,"sentiment":"neutral","sentiment_score":0.0778406485915184}],"sentiment":"neutral","sentiment_score":0.0778406485915184,"channel":0,"num_words":3,"start":94.619995,"end":95.52},{"sentences":[{"text":"So there's two documents.","start":96.415,"end":97.535,"sentiment":"neutral","sentiment_score":0.007727457443252206},{"text":"Which one am I opening?","start":97.535,"end":98.595,"sentiment":"neutral","sentiment_score":0.008704886585474015}],"sentiment":"neutral","sentiment_score":0.008270473633375432,"channel":1,"num_words":9,"start":96.415,"end":98.595},{"sentences":[{"text":"The one that says statement of advice rather than","start":99.435,"end":102.174995,"sentiment":"neutral","sentiment_score":0.018202592929204304}],"sentiment":"neutral","sentiment_score":0.018202592929204304,"channel":0,"num_words":9,"start":99.435,"end":102.174995},{"sentences":[{"text":"Yep.","start":102.335,"end":102.735,"sentiment":"neutral","sentiment_score":0.01755722239613533}],"sentiment":"neutral","sentiment_score":0.01755722239613533,"channel":1,"num_words":1,"start":102.335,"end":102.735},{"sentences":[{"text":"appendix.","start":102.475,"end":102.975,"sentiment":"neutral","sentiment_score":0.01890578866004944}],"sentiment":"neutral","sentiment_score":0.01890578866004944,"channel":0,"num_words":1,"start":102.475,"end":102.975},{"sentences":[{"text":"Got it.","start":102.735,"end":103.395,"sentiment":"neutral","sentiment_score":0.05430026352405548},{"text":"Alrighty.","start":105.375,"end":105.875,"sentiment":"neutral","sentiment_score":0.057669248431921005},{"text":"Okay.","start":109.53,"end":109.93,"sentiment":"neutral","sentiment_score":0.02181178890168667},{"text":"Where do we start?","start":109.93,"end":110.909996,"sentiment":"neutral","sentiment_score":0.0042841683607548475}],"sentiment":"neutral","sentiment_score":0.025652279728092253,"channel":1,"num_words":8,"start":102.735,"end":110.909996},{"sentences":[{"text":"Okay.","start":111.369995,"end":111.869995,"sentiment":"neutral","sentiment_score":0.00678996043279767},{"text":"Page one.","start":112.17,"end":112.81,"sentiment":"neutral","sentiment_score":0.003909069579094648},{"text":"No.","start":112.81,"end":113.31,"sentiment":"neutral","sentiment_score":-0.021645665168762207},{"text":"So the document, at at its entirety, is basically like, the advice that I've set out, it entails the steps that we're gonna take to put the advice in place should you accept it","start":115.369995,"end":126.775,"sentiment":"neutral","sentiment_score":0.06342109878930975}],"sentiment":"neutral","sentiment_score":0.05655999455944096,"channel":0,"num_words":38,"start":111.369995,"end":126.775},{"sentences":[{"text":"Yep.","start":126.835,"end":127.335,"sentiment":"neutral","sentiment_score":0.044795699417591095}],"sentiment":"neutral","sentiment_score":0.044795699417591095,"channel":1,"num_words":1,"start":126.835,"end":127.335},{"sentences":[{"text":"and goes from there.","start":127.075,"end":128.275,"sentiment":"neutral","sentiment_score":0.04943422041833401},{"text":"And now it does center around your, like, your your your superannuation.","start":128.275,"end":136.79,"sentiment":"neutral","sentiment_score":0.04459814541041851}],"sentiment":"neutral","sentiment_score":0.045807164162397385,"channel":0,"num_words":16,"start":127.075,"end":136.79},{"sentences":[{"text":"Mhmm.","start":137.635,"end":138.12,"sentiment":"neutral","sentiment_score":0.01534762978553772}],"sentiment":"neutral","sentiment_score":0.01534762978553772,"channel":1,"num_words":1,"start":137.635,"end":138.12},{"sentences":[{"text":"Obviously, your insurance, because you do have an insurance policy in place already for Australian Super.","start":138.45,"end":144.31,"sentiment":"neutral","sentiment_score":0.04383536160457879},{"text":"I did take into account your your mortgage","start":144.68999,"end":149.375,"sentiment":"neutral","sentiment_score":0.04712588479742408}],"sentiment":"neutral","sentiment_score":0.044932202668860555,"channel":0,"num_words":24,"start":138.45,"end":149.375},{"sentences":[{"text":"Mhmm.","start":149.48,"end":149.98,"sentiment":"neutral","sentiment_score":-0.002495992463082075}],"sentiment":"neutral","sentiment_score":-0.002495992463082075,"channel":1,"num_words":1,"start":149.48,"end":149.98},{"sentences":[{"text":"and what","start":149.595,"end":150.075,"sentiment":"neutral","sentiment_score":-0.00602947175502777}],"sentiment":"neutral","sentiment_score":-0.00602947175502777,"channel":0,"num_words":2,"start":149.595,"end":150.075},{"sentences":[{"text":"Mhmm.","start":150.04,"end":150.225,"sentiment":"neutral","sentiment_score":-0.017489023506641388}],"sentiment":"neutral","sentiment_score":-0.017489023506641388,"channel":1,"num_words":1,"start":150.04,"end":150.225},{"sentences":[{"text":"that looks like to pay it off.","start":150.075,"end":152.015,"sentiment":"neutral","sentiment_score":-0.03601414417581899},{"text":"And then as we discussed during our meeting, you did originally come to me a little bit more heavily on the business management side wanting","start":152.955,"end":160.70001,"sentiment":"neutral","sentiment_score":0.08616108506917954}],"sentiment":"neutral","sentiment_score":0.05943525367183611,"channel":0,"num_words":32,"start":150.075,"end":160.70001},{"sentences":[{"text":"Yep.","start":160.54501,"end":161.04501,"sentiment":"neutral","sentiment_score":0.144891619682312}],"sentiment":"neutral","sentiment_score":0.144891619682312,"channel":1,"num_words":1,"start":160.54501,"end":161.04501},{"sentences":[{"text":"to look at what that might look like.","start":160.70001,"end":162.88,"sentiment":"neutral","sentiment_score":0.10686539625748992}],"sentiment":"neutral","sentiment_score":0.10686539625748992,"channel":0,"num_words":8,"start":160.70001,"end":162.88},{"sentences":[{"text":"Mhmm.","start":163.345,"end":163.8,"sentiment":"neutral","sentiment_score":0.07056546211242676}],"sentiment":"neutral","sentiment_score":0.07056546211242676,"channel":1,"num_words":1,"start":163.345,"end":163.8},{"sentences":[{"text":"But I guess until we have a little bit more of a a goal orientated about how we're going to or what we're going to do, I can't delve too too deeply into it.","start":163.98001,"end":173.5,"sentiment":"neutral","sentiment_score":0.043638415853766835},{"text":"But we","start":173.5,"end":174.135,"sentiment":"neutral","sentiment_score":0.28184349089860916}],"sentiment":"neutral","sentiment_score":0.056872031134035855,"channel":0,"num_words":36,"start":163.98001,"end":174.135},{"sentences":[{"text":"Yep.","start":173.96,"end":174.46,"sentiment":"positive","sentiment_score":0.39888179302215576}],"sentiment":"positive","sentiment_score":0.39888179302215576,"channel":1,"num_words":1,"start":173.96,"end":174.46},{"sentences":[{"text":"did have that those really good discussions and originally met around some of the areas we could look into moving forward with regards to where we're gonna go.","start":174.215,"end":185.67499,"sentiment":"positive","sentiment_score":0.5155486368707248}],"sentiment":"positive","sentiment_score":0.5155486368707248,"channel":0,"num_words":28,"start":174.215,"end":185.67499},{"sentences":[{"text":"Mhmm.","start":185.825,"end":186.325,"sentiment":"neutral","sentiment_score":0.1511216163635254},{"text":"No worries.","start":186.385,"end":187.125,"sentiment":"neutral","sentiment_score":0.18597020208835602}],"sentiment":"neutral","sentiment_score":0.17435400684674582,"channel":1,"num_words":3,"start":185.825,"end":187.125},{"sentences":[{"text":"So that's where that currently kinda sits on that front.","start":186.69499,"end":189.0,"sentiment":"neutral","sentiment_score":0.13690078407526016},{"text":"Now with with respect to, I guess, the the the document, it obviously","start":189.96,"end":199.18,"sentiment":"neutral","sentiment_score":0.07894043968274043}],"sentiment":"neutral","sentiment_score":0.10414058941861858,"channel":0,"num_words":23,"start":186.69499,"end":199.18},{"sentences":[{"text":"Mhmm.","start":198.75,"end":199.25,"sentiment":"neutral","sentiment_score":0.07147561013698578}],"sentiment":"neutral","sentiment_score":0.07147561013698578,"channel":1,"num_words":1,"start":198.75,"end":199.25},{"sentences":[{"text":"details, like, the assets that you you listed and and assets 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will incur a buy and sell.","start":985.97504,"end":1000.60004,"sentiment":"neutral","sentiment_score":-0.152101611201134},{"text":"The cost is exponentially large when we're, you know, direct trading to a a a a stock or an asset.","start":1001.38,"end":1009.055,"sentiment":"neutral","sentiment_score":-0.1596614396199584}],"sentiment":"neutral","sentiment_score":-0.1250034772674553,"channel":0,"num_words":64,"start":982.455,"end":1009.055},{"sentences":[{"text":"Mhmm.","start":1009.60004,"end":1010.10004,"sentiment":"neutral","sentiment_score":-0.0048145391047000885}],"sentiment":"neutral","sentiment_score":-0.0048145391047000885,"channel":1,"num_words":1,"start":1009.60004,"end":1010.10004},{"sentences":[{"text":"Whereas if we go through and actually have funds that bundle up stocks and shares, it reduces our cost down quite astronomically, and we work with the fund managers as 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you know, you're having to keep an eye on with respect to, well, what's what's now on the S and P 500, what's on","start":1036.4551,"end":1042.8551,"sentiment":"neutral","sentiment_score":-0.04608385168415095}],"sentiment":"neutral","sentiment_score":-0.035380749480442744,"channel":0,"num_words":34,"start":1032.775,"end":1042.8551},{"sentences":[{"text":"Yep.","start":1042.7,"end":1043.2,"sentiment":"neutral","sentiment_score":-0.04171250760555267}],"sentiment":"neutral","sentiment_score":-0.04171250760555267,"channel":1,"num_words":1,"start":1042.7,"end":1043.2},{"sentences":[{"text":"offer, has something been kicked out, you know, do I need to change my waiting?","start":1042.8551,"end":1047.03,"sentiment":"neutral","sentiment_score":-0.17507794946432115},{"text":"It all 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was gonna read all this stuff.","start":1130.11,"end":1131.71,"sentiment":"neutral","sentiment_score":0.07093599976764785},{"text":"There's a lot of words here.","start":1131.71,"end":1132.79,"sentiment":"neutral","sentiment_score":0.05395113490521908},{"text":"I'm like, oh, do you wanna we'll keep on going from where you were and work our way down to that one.","start":1132.79,"end":1138.03,"sentiment":"neutral","sentiment_score":0.10758684846487912},{"text":"Hey?","start":1138.03,"end":1138.305,"sentiment":"neutral","sentiment_score":0.20322445034980777}],"sentiment":"neutral","sentiment_score":0.09295436641887615,"channel":1,"num_words":38,"start":1130.11,"end":1138.305},{"sentences":[{"text":"Happy to skip ahead and skip back.","start":1140.125,"end":1141.725,"sentiment":"neutral","sentiment_score":0.31469285062381197},{"text":"Like, I'm I mean, 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and","start":2519.535,"end":2524.015,"sentiment":"neutral","sentiment_score":0.1224582472985441}],"sentiment":"neutral","sentiment_score":0.15595438805493442,"channel":0,"num_words":22,"start":2514.1501,"end":2524.015},{"sentences":[{"text":"Yep.","start":2523.9602,"end":2524.305,"sentiment":"neutral","sentiment_score":0.07555580884218216}],"sentiment":"neutral","sentiment_score":0.07555580884218216,"channel":1,"num_words":1,"start":2523.9602,"end":2524.305},{"sentences":[{"text":"whether, you know, you're someone that wants to continue talking or whether you're like, no.","start":2524.015,"end":2527.375,"sentiment":"neutral","sentiment_score":0.02831524518939356},{"text":"Look.","start":2527.375,"end":2527.875,"sentiment":"neutral","sentiment_score":0.11476460099220276},{"text":"Yearly is 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anyway.","start":2530.4949,"end":2533.25,"sentiment":"neutral","sentiment_score":0.20498055666685105}],"sentiment":"neutral","sentiment_score":0.20498055666685105,"channel":0,"num_words":10,"start":2530.4949,"end":2533.25},{"sentences":[{"text":"Yep.","start":2533.825,"end":2534.325,"sentiment":"neutral","sentiment_score":0.11492179334163666}],"sentiment":"neutral","sentiment_score":0.11492179334163666,"channel":1,"num_words":1,"start":2533.825,"end":2534.325},{"sentences":[{"text":"So our service fee for that is 1.65% of the balance of some.","start":2533.87,"end":2538.29,"sentiment":"neutral","sentiment_score":0.10058725940493438},{"text":"So that would roughly be $3,006.82, but we do cap our fees at 9,900.","start":2538.6702,"end":2544.77,"sentiment":"neutral","sentiment_score":0.1071879815842424},{"text":"So irrespective of how high your balance grows, we 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that's the one you just walked me through.","start":2578.68,"end":2581.18,"sentiment":"neutral","sentiment_score":0.04057774361636904},{"text":"What if","start":2581.765,"end":2582.405,"sentiment":"neutral","sentiment_score":-0.009550969582051039}],"sentiment":"neutral","sentiment_score":0.031463432125747204,"channel":1,"num_words":11,"start":2578.68,"end":2582.405},{"sentences":[{"text":"Yes.","start":2582.1052,"end":2582.6052,"sentiment":"neutral","sentiment_score":-0.003180854953825474}],"sentiment":"neutral","sentiment_score":-0.003180854953825474,"channel":0,"num_words":1,"start":2582.1052,"end":2582.6052},{"sentences":[{"text":"there's what if there is part of the things that I wanna go ahead with and other things I don't wanna go ahead 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I","start":2696.26,"end":2703.5352,"sentiment":"neutral","sentiment_score":0.1828594859689474}],"sentiment":"neutral","sentiment_score":0.23829836962801038,"channel":0,"num_words":33,"start":2689.8599,"end":2703.5352},{"sentences":[{"text":"Mhmm.","start":2703.395,"end":2703.895,"sentiment":"neutral","sentiment_score":0.18648827075958252}],"sentiment":"neutral","sentiment_score":0.18648827075958252,"channel":1,"num_words":1,"start":2703.395,"end":2703.895},{"sentences":[{"text":"can email that through to you as well.","start":2703.5352,"end":2705.215,"sentiment":"neutral","sentiment_score":0.17432065308094025},{"text":"So that way, after you finish reading the statement of advice that is obviously the full statement, the appendix we haven't gone through, but, realistically, the appendix is some of the research that I conducted in line 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for","start":2723.19,"end":2734.2751,"sentiment":"neutral","sentiment_score":0.10224250757268497}],"sentiment":"neutral","sentiment_score":0.10375326822201411,"channel":0,"num_words":30,"start":2721.99,"end":2734.2751},{"sentences":[{"text":"Yep.","start":2734.135,"end":2734.635,"sentiment":"neutral","sentiment_score":0.07010380923748016}],"sentiment":"neutral","sentiment_score":0.07010380923748016,"channel":1,"num_words":1,"start":2734.135,"end":2734.635},{"sentences":[{"text":"you.","start":2734.2751,"end":2734.7751,"sentiment":"neutral","sentiment_score":0.04238419607281685}],"sentiment":"neutral","sentiment_score":0.04238419607281685,"channel":0,"num_words":1,"start":2734.2751,"end":2734.7751},{"sentences":[{"text":"Yep.","start":2735.015,"end":2735.515,"sentiment":"neutral","sentiment_score":0.031661227345466614}],"sentiment":"neutral","sentiment_score":0.031661227345466614,"channel":1,"num_words":1,"start":2735.015,"end":2735.515},{"sentences":[{"text":"More?","start":2735.475,"end":2735.975,"sentiment":"neutral","sentiment_score":0.013163908384740353},{"text":"Have to read.","start":2736.115,"end":2736.8552,"sentiment":"neutral","sentiment_score":0.013599782871703306}],"sentiment":"neutral","sentiment_score":0.013490814249962568,"channel":0,"num_words":4,"start":2735.475,"end":2736.8552},{"sentences":[{"text":"Wait.","start":2738.3098,"end":2738.63,"sentiment":"neutral","sentiment_score":0.014229989610612392},{"text":"I'll probably flick through that one.","start":2738.63,"end":2740.5698,"sentiment":"neutral","sentiment_score":0.023246488844354946}],"sentiment":"neutral","sentiment_score":0.02195841752524887,"channel":1,"num_words":7,"start":2738.3098,"end":2740.5698},{"sentences":[{"text":"Yeah.","start":2741.3152,"end":2741.635,"sentiment":"neutral","sentiment_score":0.06321240216493607},{"text":"So I have all that sitting there as well.","start":2741.635,"end":2743.895,"sentiment":"neutral","sentiment_score":0.10361851337883207},{"text":"There's a full breakdown of, like, each of the investment opt options that we discussed.","start":2744.0798,"end":2748.7998,"sentiment":"neutral","sentiment_score":0.10767044027646383},{"text":"So your your risk profiles, how it breaks down, and just sort of information for you to to be able to sort of read through.","start":2748.7998,"end":2758.285,"sentiment":"neutral","sentiment_score":0.1262694464623928},{"text":"It's nothing overly complex, very much similar","start":2758.285,"end":2762.685,"sentiment":"neutral","sentiment_score":-0.0036964725170816693}],"sentiment":"neutral","sentiment_score":0.10073151720459,"channel":0,"num_words":57,"start":2741.3152,"end":2762.685},{"sentences":[{"text":"Yep.","start":2762.365,"end":2762.865,"sentiment":"neutral","sentiment_score":-0.00998329371213913}],"sentiment":"neutral","sentiment_score":-0.00998329371213913,"channel":1,"num_words":1,"start":2762.365,"end":2762.865},{"sentences":[{"text":"in nature with with what we have.","start":2762.685,"end":2766.445,"sentiment":"neutral","sentiment_score":0.027507033199071884},{"text":"There's a comparison","start":2766.445,"end":2767.345,"sentiment":"neutral","sentiment_score":0.06260908643404643}],"sentiment":"neutral","sentiment_score":0.038037649169564244,"channel":0,"num_words":10,"start":2762.685,"end":2767.345},{"sentences":[{"text":"Yep.","start":2767.1,"end":2767.6,"sentiment":"neutral","sentiment_score":0.04463453218340874}],"sentiment":"neutral","sentiment_score":0.04463453218340874,"channel":1,"num_words":1,"start":2767.1,"end":2767.6},{"sentences":[{"text":"as if we were to move you to a similar investment option","start":2767.565,"end":2771.185,"sentiment":"neutral","sentiment_score":0.08811782083163659}],"sentiment":"neutral","sentiment_score":0.08811782083163659,"channel":0,"num_words":12,"start":2767.565,"end":2771.185},{"sentences":[{"text":"Mhmm.","start":2771.74,"end":2772.24,"sentiment":"neutral","sentiment_score":0.1071704477071762}],"sentiment":"neutral","sentiment_score":0.1071704477071762,"channel":1,"num_words":1,"start":2771.74,"end":2772.24},{"sentences":[{"text":"under AustralianSuper so that way you can see what that looks like as well,","start":2772.2,"end":2775.5,"sentiment":"neutral","sentiment_score":0.1444690733083657}],"sentiment":"neutral","sentiment_score":0.1444690733083657,"channel":0,"num_words":14,"start":2772.2,"end":2775.5},{"sentences":[{"text":"Yep.","start":2775.9001,"end":2776.4001,"sentiment":"neutral","sentiment_score":0.06475088000297546}],"sentiment":"neutral","sentiment_score":0.06475088000297546,"channel":1,"num_words":1,"start":2775.9001,"end":2776.4001},{"sentences":[{"text":"you know, mortgage currently and stuff like that.","start":2776.5999,"end":2778.52,"sentiment":"neutral","sentiment_score":0.040237557608634233},{"text":"Nothing nothing complex, nothing, you know, very informative.","start":2778.52,"end":2781.98,"sentiment":"neutral","sentiment_score":0.16335630137473345},{"text":"It's a lot of graphs more","start":2782.0398,"end":2783.4,"sentiment":"neutral","sentiment_score":0.17426001280546188}],"sentiment":"neutral","sentiment_score":0.12155958857725967,"channel":0,"num_words":22,"start":2776.5999,"end":2783.4},{"sentences":[{"text":"Yep.","start":2783.355,"end":2783.855,"sentiment":"neutral","sentiment_score":0.08254076540470123}],"sentiment":"neutral","sentiment_score":0.08254076540470123,"channel":1,"num_words":1,"start":2783.355,"end":2783.855},{"sentences":[{"text":"so than words.","start":2783.4,"end":2784.38,"sentiment":"neutral","sentiment_score":0.08377439280351003}],"sentiment":"neutral","sentiment_score":0.08377439280351003,"channel":0,"num_words":3,"start":2783.4,"end":2784.38},{"sentences":[{"text":"That's good.","start":2785.195,"end":2786.015,"sentiment":"positive","sentiment_score":0.4247104823589325}],"sentiment":"positive","sentiment_score":0.4247104823589325,"channel":1,"num_words":2,"start":2785.195,"end":2786.015},{"sentences":[{"text":"So that's it.","start":2785.685,"end":2786.2449,"sentiment":"neutral","sentiment_score":0.18989657362302145}],"sentiment":"neutral","sentiment_score":0.18989657362302145,"channel":0,"num_words":3,"start":2785.685,"end":2786.2449},{"sentences":[{"text":"Very","start":2786.235,"end":2786.555,"sentiment":"neutral","sentiment_score":0.21514523029327393}],"sentiment":"neutral","sentiment_score":0.21514523029327393,"channel":1,"num_words":1,"start":2786.235,"end":2786.555},{"sentences":[{"text":"But what","start":2786.2449,"end":2786.565,"sentiment":"positive","sentiment_score":0.37094366550445557}],"sentiment":"positive","sentiment_score":0.37094366550445557,"channel":0,"num_words":2,"start":2786.2449,"end":2786.565},{"sentences":[{"text":"good.","start":2786.555,"end":2787.055,"sentiment":"positive","sentiment_score":0.3929467797279358}],"sentiment":"positive","sentiment_score":0.3929467797279358,"channel":1,"num_words":1,"start":2786.555,"end":2787.055},{"sentences":[{"text":"I'll do is I'll roll the documents up, and I'll email them to you through that signing call.","start":2786.565,"end":2791.465,"sentiment":"neutral","sentiment_score":0.222008369035191}],"sentiment":"neutral","sentiment_score":0.222008369035191,"channel":0,"num_words":18,"start":2786.565,"end":2791.465},{"sentences":[{"text":"Yep.","start":2792.0498,"end":2792.5498,"sentiment":"neutral","sentiment_score":0.16577796638011932}],"sentiment":"neutral","sentiment_score":0.16577796638011932,"channel":1,"num_words":1,"start":2792.0498,"end":2792.5498},{"sentences":[{"text":"That way, should you wanna proceed, you're able to sign it.","start":2792.645,"end":2796.025,"sentiment":"neutral","sentiment_score":0.2261490523815155}],"sentiment":"neutral","sentiment_score":0.2261490523815155,"channel":0,"num_words":11,"start":2792.645,"end":2796.025},{"sentences":[{"text":"Yep.","start":2796.21,"end":2796.71,"sentiment":"neutral","sentiment_score":0.08140022307634354}],"sentiment":"neutral","sentiment_score":0.08140022307634354,"channel":1,"num_words":1,"start":2796.21,"end":2796.71},{"sentences":[{"text":"But otherwise, realistically, what will happen is one of my team, Maddie, you've just talked to Maddie","start":2796.2449,"end":2803.6301,"sentiment":"neutral","sentiment_score":0.04121071522069328}],"sentiment":"neutral","sentiment_score":0.04121071522069328,"channel":0,"num_words":17,"start":2796.2449,"end":2803.6301},{"sentences":[{"text":"Yep.","start":2803.515,"end":2804.015,"sentiment":"neutral","sentiment_score":0.05260300636291504}],"sentiment":"neutral","sentiment_score":0.05260300636291504,"channel":1,"num_words":1,"start":2803.515,"end":2804.015},{"sentences":[{"text":"before, she'll basically touch base with you in a few days.","start":2803.6301,"end":2806.77,"sentiment":"neutral","sentiment_score":0.0949872068383477},{"text":"And as always, if you email me, I'll get back to you.","start":2807.2302,"end":2810.59,"sentiment":"neutral","sentiment_score":0.11993264469007651},{"text":"And, you know,","start":2810.59,"end":2811.2302,"sentiment":"neutral","sentiment_score":0.07240841165184975}],"sentiment":"neutral","sentiment_score":0.10389524024839585,"channel":0,"num_words":26,"start":2803.6301,"end":2811.2302},{"sentences":[{"text":"Yep.","start":2811.115,"end":2811.615,"sentiment":"neutral","sentiment_score":0.08553165197372437}],"sentiment":"neutral","sentiment_score":0.08553165197372437,"channel":1,"num_words":1,"start":2811.115,"end":2811.615},{"sentences":[{"text":"if you wanna have another chat, we can have another chat anyway.","start":2811.2302,"end":2813.81,"sentiment":"neutral","sentiment_score":0.06664546206593513}],"sentiment":"neutral","sentiment_score":0.06664546206593513,"channel":0,"num_words":12,"start":2811.2302,"end":2813.81},{"sentences":[{"text":"Too good.","start":2814.1548,"end":2814.7148,"sentiment":"positive","sentiment_score":0.5275053083896637},{"text":"Alright.","start":2814.7148,"end":2815.035,"sentiment":"positive","sentiment_score":0.5125199556350708},{"text":"Excellent.","start":2815.035,"end":2815.535,"sentiment":"positive","sentiment_score":0.707297682762146},{"text":"Leave it with me.","start":2815.595,"end":2816.2349,"sentiment":"positive","sentiment_score":0.4405714422464371},{"text":"As I said, I'm gonna borrow into that information now, and then I'll get back to you as soon as I can.","start":2816.2349,"end":2821.1301,"sentiment":"neutral","sentiment_score":0.2217254496433518}],"sentiment":"neutral","sentiment_score":0.29716913054386773,"channel":1,"num_words":30,"start":2814.1548,"end":2821.1301},{"sentences":[{"text":"Yeah.","start":2821.535,"end":2822.015,"sentiment":"neutral","sentiment_score":0.20352092385292053},{"text":"Look.","start":2822.015,"end":2822.335,"sentiment":"neutral","sentiment_score":0.23353049159049988},{"text":"If you end up getting through everything and, you know, you wanna go and enjoy your holiday because you weren't perfectly entitled to that, that's okay as","start":2822.335,"end":2829.9,"sentiment":"neutral","sentiment_score":0.3282066393229697}],"sentiment":"neutral","sentiment_score":0.32064243714357243,"channel":0,"num_words":29,"start":2821.535,"end":2829.9},{"sentences":[{"text":"Yeah.","start":2830.805,"end":2831.285,"sentiment":"neutral","sentiment_score":0.2009945958852768},{"text":"No worries.","start":2831.285,"end":2832.025,"sentiment":"neutral","sentiment_score":0.23048055171966553},{"text":"Alright.","start":2832.2449,"end":2832.7249,"sentiment":"neutral","sentiment_score":0.29373905062675476}],"sentiment":"neutral","sentiment_score":0.23892368748784065,"channel":1,"num_words":4,"start":2830.805,"end":2832.7249},{"sentences":[{"text":"well.","start":2832.3599,"end":2832.8599,"sentiment":"positive","sentiment_score":0.3686372637748718}],"sentiment":"positive","sentiment_score":0.3686372637748718,"channel":0,"num_words":1,"start":2832.3599,"end":2832.8599},{"sentences":[{"text":"Thanks again, and, yeah, we'll talk soon.","start":2832.7249,"end":2834.7449,"sentiment":"positive","sentiment_score":0.5673483567578452}],"sentiment":"positive","sentiment_score":0.5673483567578452,"channel":1,"num_words":7,"start":2832.7249,"end":2834.7449},{"sentences":[{"text":"Absolutely, Mark.","start":2835.32,"end":2836.2,"sentiment":"positive","sentiment_score":0.7461986243724823},{"text":"My pleasure.","start":2836.2,"end":2836.86,"sentiment":"positive","sentiment_score":0.8449743986129761}],"sentiment":"positive","sentiment_score":0.7955865114927292,"channel":0,"num_words":4,"start":2835.32,"end":2836.86},{"sentences":[{"text":"Alright.","start":2837.045,"end":2837.525,"sentiment":"positive","sentiment_score":0.5828927159309387},{"text":"Bye.","start":2837.525,"end":2838.025,"sentiment":"positive","sentiment_score":0.5765078067779541}],"sentiment":"positive","sentiment_score":0.5797002613544464,"channel":1,"num_words":2,"start":2837.045,"end":2838.025},{"sentences":[{"text":"Have a good one.","start":2838.84,"end":2839.72,"sentiment":"positive","sentiment_score":0.6811770349740982},{"text":"Bye.","start":2839.72,"end":2840.22,"sentiment":"positive","sentiment_score":0.3433995246887207}],"sentiment":"positive","sentiment_score":0.6136215329170227,"channel":0,"num_words":5,"start":2838.84,"end":2840.22},{"sentences":[{"text":"Bye.","start":2840.005,"end":2840.505,"sentiment":"neutral","sentiment_score":-0.11156491190195084}],"sentiment":"neutral","sentiment_score":-0.11156491190195084,"channel":1,"num_words":1,"start":2840.005,"end":2840.505}]},"summary":{"result":"success","short":"The speaker discusses the investment options and risk profiles of the customer's portfolio with the agent. They recommend moving 100% of assets out of Australia and moving over to Hub 24, with the majority of holdings sitting there to give diversification and act as a small asset to grow the balance. The speaker emphasizes the importance of maintaining control and monitoring cash flow for the business, recommending a total of $32,500 for the financial year and paying lump sum contributions to increase the cap. The speaker also emphasizes the benefits of retirement income and insurance policies, including longevity and the ability to save money. The speaker recommends keeping the money in the current position and avoid the offset, and provides information on the process of updating a will and signing documents. The agent offers to meet quarterly or half-yearly and provides guidance on the process."},"intents":{"segments":[{"text":"that looks like to pay it off.","start_word":325,"end_word":331,"intents":[{"intent":"Discuss and plan for payment","confidence_score":0.0000030080087}]},{"text":"So just what it's currently invested in by Oh, a risk the profile. actual pie graph. Yep.","start_word":1438,"end_word":1454,"intents":[{"intent":"Identify investment portfolio","confidence_score":0.0000268907}]},{"text":"So just what it's currently invested in by Oh, a risk the profile. actual pie graph. Yep. Yeah. Okay. So that polygraph Yeah. represents what for Australian Super or the proposed one that you're suggesting? So what it what it lays out so the the actual graph is is the actual, like, proposed asset allocation.","start_word":1438,"end_word":1492,"intents":[{"intent":"Discuss portfolio allocation","confidence_score":0.013589124}]},{"text":"represents what for Australian Super or the proposed one that you're suggesting?","start_word":1461,"end_word":1472,"intents":[{"intent":"Represent risk profile","confidence_score":0.02422789}]},{"text":"So what it what it lays out so the the actual graph is is the actual, like, proposed asset allocation.","start_word":1473,"end_word":1492,"intents":[{"intent":"Assess asset allocation","confidence_score":0.0005489319}]},{"text":"So the risk profile is basically, like, an algorithm that we've drawn up that we always aim to sort of hit or have a variance of sort of few percentile either either side within Mhmm. those different out assets.","start_word":1494,"end_word":1532,"intents":[{"intent":"Explain risk profile","confidence_score":0.050571714},{"intent":"Explain risk profile","confidence_score":0.23070896}]},{"text":"And what we're recommending is we obviously sell out of all of that, which is why Yep. there's that negative sell amount. We're Yep.","start_word":1794,"end_word":1817,"intents":[{"intent":"Recommend selling out of assets","confidence_score":0.12185651}]},{"text":"And what we're recommending is we obviously sell out of all of that, which is why Yep. there's that negative sell amount. We're Yep. targeting to have 0%, $0 in that account. So realistically, the the recommendation is that we move a 100% of the assets out of AustralianSuper, and we move over to Hub twenty four as, like, the new investment product. Mhmm.","start_word":1794,"end_word":1857,"intents":[{"intent":"Recommend sourcing assets","confidence_score":0.0014984675}]},{"text":"I recommended Hub twenty four because it gave a wider investment option offering, Yep. and it these were better aligned to where I wanna head. So we're not paying the, you know, constant buy sell costs. We can actually do what's called aggregate trading.","start_word":1893,"end_word":1936,"intents":[{"intent":"Describe leveraging options","confidence_score":0.000030794035}]},{"text":"There are gonna come times where, say, maybe Europe's not doing so well, and we wanna pull a little Yep. bit out of Europe, you know, not say all of it, but pull a little bit out of Europe and redistribute some of the waiting elsewhere, then Yep. we can do that without incurring buy sell cost Yeah.","start_word":1963,"end_word":2020,"intents":[{"intent":"Explain negotiating options","confidence_score":0.0019428644}]},{"text":"we can do that without incurring buy sell cost Yeah.","start_word":2011,"end_word":2020,"intents":[{"intent":"Explain avoiding buy-sell cost","confidence_score":0.0004639035}]},{"text":"Now have you ever heard of tab 24 before? And a lot of people haven't because it is what's called a retail provider. So they're Yeah.","start_word":2037,"end_word":2062,"intents":[{"intent":"Clarify if tab 24-23 is a provider","confidence_score":3.3009155e-7},{"intent":"Acknowledge obtaining tab-24's availability","confidence_score":5.538589e-7}]},{"text":"And all of them are there to diversify you out, not have a a huge, you know, asset Yep. allocation within those those areas, but they're there to essentially give you the diversification and act as a small asset to grow your farm. Yep.","start_word":2208,"end_word":2251,"intents":[{"intent":"Analyze asset diversification","confidence_score":0.056727935}]},{"text":"We obviously help you out with with redirecting contributions. We fill out the forms and send them to you to make sure that they all happen, Yep. and we try to make sure that, you know, contributions are land land on our side.","start_word":2809,"end_word":2851,"intents":[{"intent":"Redirect contributions","confidence_score":0.19923039}]},{"text":"We fill out the forms and send them to you to make sure that they all happen, Yep.","start_word":2818,"end_word":2835,"intents":[{"intent":"Submit forms","confidence_score":0.0024648176}]},{"text":"As far as your I did see somewhere your fee, so I pay that now, obviously, because you prepared the report and whatnot. So I'm looking at page number 45. So Oh, cool.","start_word":2910,"end_word":2942,"intents":[{"intent":"Confirm information about fee payment","confidence_score":0.000007641992}]},{"text":"But that $32,000 worth of contributions for which the concessional contribution so the the superannuation contribution amount, the last financial year was $30,000, which means you've exceeded it by 2,000, Yep.","start_word":3345,"end_word":3375,"intents":[{"intent":"Confirm contribution amount","confidence_score":0.0033428764}]},{"text":"the super fund takes out 15%. It it pays 15% in tax Yep. because the assumption is and and what would would have happened with that money is that it hasn't been packed. It hasn't been taxed marginally, so they only they tax it at the superannuation rate of 15 Yep.","start_word":3707,"end_word":3757,"intents":[{"intent":"Explain tax implications","confidence_score":0.057782277}]},{"text":"So I'm recommending that we we keep to we keep to our $32,500, Yep. essentially.","start_word":3778,"end_word":3792,"intents":[{"intent":"Recommend keeping contributions","confidence_score":0.023504375},{"intent":"Recommend improving income","confidence_score":0.000034387285}]},{"text":"So your the contributions that I'm recommending with respect to ongoing basically amounts to the 32,500. So if you do obviously increase your wage, just making sure that we tailor Yeah.","start_word":4218,"end_word":4248,"intents":[{"intent":"Discuss contributions","confidence_score":0.0036882956}]},{"text":"time, what that looks like, how much money you would have, and what that longevity is.","start_word":4563,"end_word":4578,"intents":[{"intent":"Discuss financial benefits","confidence_score":0.0027331703}]},{"text":"So up to insurance on page 28. Yep. I'm with you. So I had a look at insurance, and we did speak a bit of it a bit about insurance as well. But I had a look at it, and I looked at the, I guess, the Yep. the implications of having it versus not having a policy.","start_word":4734,"end_word":4791,"intents":[{"intent":"Discuss future insurance policy implications","confidence_score":0.000068918285}]},{"text":"I looked at total and permanent disability.","start_word":4899,"end_word":4905,"intents":[{"intent":"Analyze disability benefits","confidence_score":0.0014311328}]},{"text":"long term to what our actual goals are. Nothing. If I Nothing. was talking to you maybe ten or fifteen years ago, kids were a little bit younger, Yeah.","start_word":5308,"end_word":5336,"intents":[{"intent":"Share future goals","confidence_score":0.000021104044}]},{"text":"The next part's about the offset. Yes.","start_word":5364,"end_word":5370,"intents":[{"intent":"Discuss offset use","confidence_score":0.10169079}]},{"text":"So I recommended that we just we you you keep using your offset the way you're using it Yeah.","start_word":5454,"end_word":5472,"intents":[{"intent":"Recommend keeping in mind the offset","confidence_score":1.5924886e-7}]},{"text":"The good like, the the great thing with with Offset then and what I would probably recommend is that you just you make sure that you keep as much money in there as possible and just keep get paid into that account, keep as much money in there.","start_word":5562,"end_word":5609,"intents":[{"intent":"Recommend keeping funds in account","confidence_score":0.00084952114}]},{"text":"So with with the establishment of a new fund, we Yep. need to nominate a beneficiary to receive the benefit if it was to occur that you passed away and therefore Oh, yeah.","start_word":5663,"end_word":5695,"intents":[{"intent":"Nominate beneficiary","confidence_score":0.53846365}]},{"text":"I'm recommending this structure versus directly nominating the children because the the children I know they're not children. They're they're big, but they're Yep. still your children. Okay.","start_word":5788,"end_word":5815,"intents":[{"intent":"Recommend structure","confidence_score":0.026292996}]},{"text":"But, generally, that falls to a spouse, so Yep. Yeah.","start_word":6311,"end_word":6320,"intents":[{"intent":"Representing spouse's role","confidence_score":0.0000036253316}]},{"text":"Just having that clear defined role is just gonna Yep. help you out on that on that side. That's fine.","start_word":6335,"end_word":6354,"intents":[{"intent":"Asking about roles","confidence_score":0.0000044165167}]},{"text":"a a lawyer can draw them up. They can draw them up together at the same time nice and easy. If you don't have a lawyer, I have one that's I mean, you're local around my area, so I have one that's literally around the corner from the office Yep. that I can send you the details for. You're able to go and sit with them.","start_word":6372,"end_word":6437,"intents":[{"intent":"Providing legal resources","confidence_score":0.000097002434}]},{"text":"So, obviously, I am a fee for service provider. I Yep.","start_word":6520,"end_word":6530,"intents":[{"intent":"Requesting fee for service provider","confidence_score":0.0019220916}]},{"text":"So if you accept the advice, ultimately, what we would do is, a, I would need your tax phone number, and I need a copy of your ID. And Yep. I would need confirmation of your birth date as well.","start_word":6535,"end_word":6574,"intents":[{"intent":"Expressing desire for personal information","confidence_score":0.000001659791}]},{"text":"I've I've emailed you these documents because it's a lot easier to go through these documents via Yep. email than it is to go through, like, the signing software that we use. But what I would do is I would send you all the documents, including the applications and everything like that for you to be able to sign. Yep.","start_word":6586,"end_word":6645,"intents":[{"intent":"Giving advice on filing documents","confidence_score":0.000022265293},{"intent":"Sending documents by yep","confidence_score":0.00015343814}]},{"text":"And after that, we would be able to implement the advice.","start_word":6648,"end_word":6658,"intents":[{"intent":"Implement advice","confidence_score":0.2755396}]},{"text":"rollovers and transfers, the account set up, and everything, and we charge the $4,950 to do that, to execute it, to Yep. set you up, to buy the investments, and make sure everything goes smoothly.","start_word":6664,"end_word":6698,"intents":[{"intent":"Set up accounts","confidence_score":0.22378169}]},{"text":"Ongoing from there, you have complete access to me and my team. So I'm one Mhmm. of six advisers with Oakview, and, total, we have about 20 staff, which, you know, there's administration staff as well that would be able to assist you with any inquiries or connect you straight to me.","start_word":6723,"end_word":6774,"intents":[{"intent":"Assist with questions","confidence_score":0.008182201}]},{"text":"Ongoing from there, you have complete access to me and my team. So I'm one Mhmm. of six advisers with Oakview, and, total, we have about 20 staff, which, you know, there's administration staff as well that would be able to assist you with any inquiries or connect you straight to me. Yep.","start_word":6723,"end_word":6775,"intents":[{"intent":"Connect with team","confidence_score":0.0010609025}]},{"text":"so once a year, to go through and do a complete review of your position and sit down and have an advice discussion like we did last month. And the reason Yep.","start_word":6809,"end_word":6840,"intents":[{"intent":"Review position","confidence_score":0.046534527}]},{"text":"for that is is because your situation is never stagnant. We wanna make sure that we're keeping up to date with it. We wanna Mhmm. make sure that we're keeping up to date with the market and the economy and making any tweaks and changes that may need to be made as we go through. Yep.","start_word":6841,"end_word":6896,"intents":[{"intent":"Keep up with market and economy","confidence_score":0.026251478}]},{"text":"However, more than happy to also meet quarterly or half yearly. It's just completely dependent on what you're wanting preference wise and Yep. whether, you know, you're someone that wants to continue talking or whether you're like, no. Look. Yearly is fine. Yep. But we can organize that at a later time anyway. Yep.","start_word":6897,"end_word":6950,"intents":[{"intent":"Organise monthly meetings","confidence_score":0.0010126114}]},{"text":"So our service fee for that is 1.65% of the balance of some. So that would roughly be $3,006.82, but we do cap our fees at 9,900. So irrespective of how high your balance grows, we wouldn't Yep. charge more than that. That makes sense.","start_word":6951,"end_word":6995,"intents":[{"intent":"Charge service fee","confidence_score":0.36880046}]},{"text":"You got me to have a glass of water. I know. Sorry. It's just the talking and the voice losses and the like like I said, Yeah. like, I just the flu threw me around something shocking, unfortunately. Yeah.","start_word":7011,"end_word":7049,"intents":[{"intent":"Express frustration","confidence_score":0.017448017}]},{"text":"So my options are to take on all your recommendations. Obviously, that's the one you just walked me through. What if Yes.","start_word":7053,"end_word":7074,"intents":[{"intent":"Discuss options","confidence_score":0.034144994}]},{"text":"Well, the second paragraph is I have chosen to vary the recommendations, and then that nice big section Yep. of white paper for which Yep. when I send it to you via the electronic signing, you Yep. would be able to free type into that section stipulating what you do and don't want implemented. Yep.","start_word":7143,"end_word":7197,"intents":[{"intent":"Specify instructions","confidence_score":0.0020461706}]},{"text":"Obviously, if Alright. it's complex in nature, I e, you turn around and go, I hate this investment, Yep. I'm gonna have a follow-up question, and then I'd probably just redo the investment structure for you rather than vary the implementation or, like, cut out an investment option. I would just work with you to alter that. Yep.","start_word":7199,"end_word":7256,"intents":[{"intent":"Discuss investment structure","confidence_score":0.12234927}]},{"text":"So I've probably got I need to have a good read through all this now and then make make a decision on which way I'm gonna go with it. Leave it with me.","start_word":7267,"end_word":7299,"intents":[{"intent":"Determine preference","confidence_score":0.0018150458}]},{"text":"Poor timing. I'm about I'm happy on long service leave for three weeks. So maybe I should Yes. just get stuck in and read it tonight and just get it out of the way. And, yeah, I'll try and get back to you as soon as possible. But, Yeah. yeah, there's a lot of lot of reading and consideration there, so That's that absolutely that's good. okay.","start_word":7300,"end_word":7366,"intents":[{"intent":"Understand timing","confidence_score":0.0020186352}]},{"text":"yeah, there's a lot of lot of reading and consideration there, so That's that absolutely that's good. okay.","start_word":7349,"end_word":7366,"intents":[{"intent":"Confirm understanding","confidence_score":0.027084377}]},{"text":"What I can do is I can put everything together in the signing documents, and I Mhmm. can email that through to you as well.","start_word":7424,"end_word":7448,"intents":[{"intent":"Create documents","confidence_score":0.01316784}]}]},"sentiments":{"segments":[{"text":"Hello. Mark speaking. Hi.","start_word":0,"end_word":3,"sentiment":"neutral","sentiment_score":0.0812782421708107},{"text":"Good afternoon, Mark. Larissa from Oaktree Financial. How are you going? Good. Good.","start_word":4,"end_word":16,"sentiment":"positive","sentiment_score":0.4032880365848541},{"text":"How are you? Yeah.","start_word":17,"end_word":20,"sentiment":"neutral","sentiment_score":0.30234295129776},{"text":"Good. Thank you.","start_word":21,"end_word":23,"sentiment":"positive","sentiment_score":0.4781551361083984},{"text":"That's why you've just got over your sickness the other week. Oh my lord. Slowly. I think I'm still still a little bit, unfortunately, under the weather, but we're we're right and rearing and pushing through. Good stuff. Good stuff.","start_word":24,"end_word":63,"sentiment":"neutral","sentiment_score":-0.1438310146331787},{"text":"I think just pushing too hard for too long happens, unfortunately.","start_word":64,"end_word":74,"sentiment":"negative","sentiment_score":-0.42812150716781616},{"text":"Yep. Now I've gone through and put together the advice based on the conversation that we had, and I've sent you an email not too long ago with reference to, like, the documents. That way, we can go through them together rather than me just talk at you. You have something to actually reference Okay. what I'm talking Yep. about. Let me go sit in front of the computer. Just give me one minute. No. That's absolutely okay. I don't have anything in my inbox. Let me have a look. No. I haven't received anything. Sorry. Oh, well, technology is never on my side. It arrives in a minute then because I sent it just before I called you. Yep. No worries. I'll just yep. There you go. It just came through. Okay. Excellent. Alright. Is it now? So there's two documents. Which one am I opening? The one that says statement of advice rather than Yep. appendix. Got it. Alrighty. Okay. Where do we start? Okay. Page one. No. So the document, at at its entirety, is basically like, the advice that I've set out, it entails the steps that we're gonna take to put the advice in place should you accept it Yep. and goes from there. And now it does center around your, like, your your your superannuation. Mhmm. Obviously, your insurance, because you do have an insurance policy in place already for Australian Super. I did take into account your your mortgage Mhmm. and what Mhmm. that looks like to pay it off. And then as we discussed during our meeting, you did originally come to me a little bit more heavily on the business management side wanting Yep. to look at what that might look like. Mhmm. But I guess until we have a little bit more of a a goal orientated about how we're going to or what we're going to do, I can't delve too too deeply into it.","start_word":75,"end_word":400,"sentiment":"neutral","sentiment_score":0.026916976835281572},{"text":"But we Yep. did have that those really good discussions and originally met around some of the areas we could look into moving forward with regards to where we're gonna go.","start_word":401,"end_word":431,"sentiment":"positive","sentiment_score":0.4906335771083832},{"text":"Mhmm. No worries. So that's where that currently kinda sits on that front. Now with with respect to, I guess, the the the document, it obviously Mhmm. details, like, the assets that you you listed and and assets provided. Obviously, the mortgage, I guess, not mortgage receipt, but the mortgage statement showed me where your mortgage is sitting as at when that statement was pulled. So it's sitting around Mhmm. that 620, which is what we discussed anyway. And Yep. then you have a little bit sitting in your offset account, which I know is a little bit fluid. Then we have, obviously, your PPR and the current value. I looked it up to see where that's at, and Yep. then, obviously, based on the commercial property, the valuation you gave me. Mhmm. Now because like, we we spoke about, like, the mortgage. We spoke about wanting to make sure that we're paying out, you know, the mortgage on your property and and having Mhmm. you pay and and where that was gonna sit. I did obviously take the mortgage into consideration. You know, you you did give me sort of about a five year timeline for the business and where that was looking at. And I have sort of looked at that, and I wanted to talk you through a couple of, like, options and stuff like that just Yep. to kind of open up further discussion Yep. as we go through. I do have formal recommendations, but I also have a couple, I guess, discussion points that we can continue kind of working on moving forward as well. Mhmm. No worries. So, anyway, let's keep going. Now as I said, your your Australian Super does currently have insurance in it. You have 200,000 of life insurance, and you have total permanent disability of a Yep. 100,000. Only cost you about $200 a week sorry, an annum Yep. for for that cover. So I did obviously consider that that Mhmm. amount when I looked at at what you currently hold with AustralianSuper and and then Yep.","start_word":432,"end_word":778,"sentiment":"neutral","sentiment_score":0.10377286602165926},{"text":"the all of the the benefits that AustralianSuper is giving you.","start_word":779,"end_word":789,"sentiment":"positive","sentiment_score":0.41995930671691895},{"text":"Yep. Now when we spoke and met, when we were talking, we we, you know, we did talk about investments. We talked about where things fit. And you so when we invest, we there's multiple different avenues that we can invest in and when it comes to taking on risk. Now with respect to risk, there's probably three different classifications. One of them comes down to risk profile, and what risk profile means is it's referencing specifically what percentage or what what amount of the asset is actually invested in the market versus what amount is conservatively held. Yep. Now you've got, like, an an aggressive investor that's someone that's, you know I mean, you've you've got someone that's really aggressive that's basically, like, you know, red or black at the casino. But you you've got an aggressive investor that's basically a 100% invested or more because you can also have gearing where, you know, you borrow money to invest. Yep. That's where Yep. the or more than a 100% comes from, all the way down to someone who is extremely conservative, basically has their money in cash only. You came out sort of in that Yep. mid range upper Yep. mid range Yep. where you're you're probably Yep. not currently invested as suitably as you could be. And the reason you kinda came out there is a the time horizon before you can access this specific act asset. Yep. But, also, when we were talking, just some of the the like, the information you actually provided and Mhmm. where you're wanting to head does gear you more towards that sort of what we call a balanced growth. But, realistically, what is what we reference as a a seventy thirty Yep. investment split. Yep. The name and terminology changes depending on what provider you speak to and everything like that. So the name balanced growth doesn't mean anything, but, realistically, what it comes down to is a seventy thirty split. Yeah. Okay. There's a bit of information and graphs and stuff like that that kind of explain a little bit more. I'm not gonna bore you with reading No. it verbatim. No. That's fine. Yeah. I'm sort of flicking through it as you're speaking about it. Yeah. Yeah.","start_word":790,"end_word":1167,"sentiment":"neutral","sentiment_score":0.0023836519251326247},{"text":"This is why the visual aids are nice.","start_word":1168,"end_word":1175,"sentiment":"positive","sentiment_score":0.41272592544555664},{"text":"Yep.","start_word":1176,"end_word":1176,"sentiment":"neutral","sentiment_score":0.2298186272382736},{"text":"Yep. Very good.","start_word":1177,"end_word":1179,"sentiment":"positive","sentiment_score":0.497772216796875},{"text":"Now what my recommendation ultimately comes down to is I looked at your Australian Superfund, and the investment that you currently have in Australian Super, whilst it would obviously be changed, Yep. and we could maneuver it, and I'd obviously looked at other options under Australian Super and what that could look like. But your current investments with AustralianSuper, you're sort of sitting at a fifty five forty five. So 55% sitting in, like, gross assets, Yep. so Yep. intended to grow your investment, and then Yep. about 45 sitting defensively. Yeah. Okay. So it's quite conservative given your age. You'll you still got quite a while before you can Yeah. touch your super asset, Yep. so it's not doing you any justice. I also looked at, obviously, other investment options under AustralianSuper because AustralianSuper does have whilst limited, they do have other options. Yep. And none of the other options gave me the confidence or the outcome that I was wanting to try and strive towards for you to try and get you the outcome that was gonna give you a decent amount of money Yep. and basically put you back on track post your payout to your ex Yep. Yep. No worries. Okay. I'm just looking at the wife. yeah. There's a graph there on page number 20 sort of saying where the money is sort of, yeah, allocated. No. Heck. Yeah. Yeah. There's a graph on 17, and then yep. You're looking at oh, yep. You're looking at, like, the fee comparison table? Yeah. Yep. So just what it's currently invested in by Oh, a risk the profile. actual pie graph. Yep. Yeah. Okay. So that polygraph Yeah. represents what for Australian Super or the proposed one that you're suggesting? So what it what it lays out so the the actual graph is is the actual, like, proposed asset allocation. Yep. So the risk profile is basically, like, an algorithm that we've drawn up that we always aim to sort of hit or have a variance of sort of few percentile either either side within Mhmm. those different out assets. Yep. Your existing is obviously where your Australian super sits. Proposed is basically the assets that I've chosen for you to meet up with that risk profile, never gonna get exactly because I don't wanna always get exactly on the risk profile. The risk profile is a guideline, not Yep. a rule, and I wanna make sure that I'm obviously using that as a guide so that way I'm not putting you into assets that are really, really, really risky or, Mhmm. you know, not not investing outside of the risk profile that you sort of score in unless it's completely necessary. And Mhmm. there are obviously cases where, you know, investing outside of risk profile can be necessary. But, realistically and ultimately, what I wanna do is I wanna sort of hit that rough variance with that risk profile but get assets that are actually gonna work for you. And if you pop back up to the investments table Yep. Hi, where Jay. it's Thanks. Yep. Yeah. Yeah. Where it's got all the fun words and numbers. It sort of shows you, I guess, like, with the actual breakdown. So currently, restraints Australian Superfund has those two holdings. So you've Yep. got the Australian shares holding and then the conservative holding. That's Yep. just the the investment name that Australia Super give them. And what the weighting is that you currently hold, it's structured exactly from your report. Yep. And, obviously, the the value based on the report, obviously, it fluctuates and moves, but it's a stagnant in time. And what we're recommending is we obviously sell out of all of that, which is why Yep.","start_word":1180,"end_word":1809,"sentiment":"neutral","sentiment_score":0.024916711242662537},{"text":"there's that negative sell amount.","start_word":1810,"end_word":1814,"sentiment":"negative","sentiment_score":-0.4694538712501526},{"text":"We're Yep. targeting to have 0%, $0 in that account. So realistically, the the recommendation is that we move a 100% of the assets out of AustralianSuper, and we move over to Hub twenty four as, like, the new investment product. Mhmm. I looked at multiple different providers. So Hub twenty fours, like, we're not attached to Hub twenty four. We don't get kicked back to Hub twenty four or any of the investments we we recommend. Yep.","start_word":1815,"end_word":1892,"sentiment":"neutral","sentiment_score":-0.01958093978464603},{"text":"I recommended Hub twenty four because it gave a wider investment option offering, Yep.","start_word":1893,"end_word":1906,"sentiment":"positive","sentiment_score":0.3541349768638611},{"text":"and it these were better aligned to where I wanna head. So we're not paying the, you know, constant buy sell costs. We can actually do what's called aggregate trading. Mhmm. So Yep. if we wanna, say, move any of the assets later in down the line because this is not set to get. You know? There are gonna come times where, say, maybe Europe's not doing so well, and we wanna pull a little Yep. bit out of Europe, you know, not say all of it, but pull a little bit out of Europe and redistribute some of the waiting elsewhere, then Yep. we can do that without incurring buy sell cost Yeah. within Okay. the plat it's Yep. I so it trades within itself. Yeah. Yep. I understand. Now have you ever heard of tab 24 before? And a lot of people haven't because it is what's called a retail provider. So they're Yeah. not a provider that you know? No. Look. I haven't heard of them, but I had to dealings with this kind of stuff. I I did have my some of them were super in the a six two hundred directly through. It's a strong super, but I've pulled it away and put it into, obviously, what I've got now. So I'm sort of Yeah. familiar with what you're talking about.","start_word":1907,"end_word":2132,"sentiment":"neutral","sentiment_score":0.008292046375572681},{"text":"Perfect.","start_word":2133,"end_word":2133,"sentiment":"positive","sentiment_score":0.4660760164260864},{"text":"So, yeah, all of these assets are available on the ASX. So the assets that I've recommended for which there are eight of them, realistically, your top four are what's called growth satellite the satellites. Yep. So those assets are growth assets, so they're intended to grow your Mhmm. your balance, but they are satellite. So they're only a small holding across all four of them. So you'll see it's anywhere between 37%. Yep. And all of them are there to diversify you out, not have a a huge, you know, asset Yep. allocation within those those areas, but they're there to essentially give you the diversification and act as a small asset to grow your farm. Yep. You'll then notice that the next two, which is your IVV and your a 200 or your S and P five Yep. 100 and your Australia 200, they are what's called the core of your investment.","start_word":2134,"end_word":2287,"sentiment":"neutral","sentiment_score":0.17013948091438838},{"text":"So the majority of holdings sit there, and that core is there acting to obviously still grow your balance, but they are a good, reliable, steady growth asset.","start_word":2288,"end_word":2315,"sentiment":"positive","sentiment_score":0.4316392242908478},{"text":"Yep. Where your your top four have a little bit more risk variance through them, Yep. These two have a lot more stability to them. Mhmm. Then you have what is basically your more defensive asset. So gold is kind of a bit of a fifty fifty. It is a growth asset, but it's also technically a Yeah. a a value it's more on the lines of a value asset than a growth or a defensive asset. So that's Mhmm. why it kinda sits basically halfway between. So it's a value asset, so it's there to give you value. It does obviously have decent growth to it, but also it's a bit of a cushion when the market goes down.","start_word":2316,"end_word":2435,"sentiment":"neutral","sentiment_score":0.12422606348991394},{"text":"Gold generally holds its value pretty well.","start_word":2436,"end_word":2442,"sentiment":"positive","sentiment_score":0.33903902769088745},{"text":"Yep. So we have a value there, and then you've got your your defensive asset. So that's that core composite bond where you've got ass where you've got two or 24% held there. Yep. Now the core composite bond underlying within that fund so while there's only eight funds that I've recommended. The asset number under those so each of those assets holds multiple securities. So multiple different companies are listed under those. So, you know, your S and P 500 Yep. has quite a number of different securities listed under it. Same with the the the core composite bond. The actual whole holdings within that are quite vast. Each of these Mhmm. Yep. funds hold anywhere from sort of 10 all the way up to a couple 100 different securities or or stocks. Let's Yep. call let's call them stocks. Make it easier. So the reason we obviously don't go and specifically buy, say, like, Woolworth stocks or Caltech stocks or anything like that is because, a, that is direct trading, and it will incur a buy and sell. The cost is exponentially large when we're, you know, direct trading to a a a a stock or an asset. Mhmm. Whereas if we go through and actually have funds that bundle up stocks and shares, it reduces our cost down quite astronomically, and we work with the fund managers as well. So with with all these funds, they're internally trading. So, you know, your S and P 500 is obviously your your your top forming 500 companies, Mhmm. and that's fluid and moving constantly. So it's not something, you know, you're having to keep an eye on with respect to, well, what's what's now on the S and P 500, what's on Yep. offer, has something been kicked out, you know, do I need to change my waiting? It all happens Mhmm. organically without you needing to do a buy and sell and, Yep. obviously, having that higher cost involved. Does that all make sense? Mhmm. Yep. Totally. I understand.","start_word":2443,"end_word":2783,"sentiment":"neutral","sentiment_score":0.022080692371641644},{"text":"Amazing.","start_word":2784,"end_word":2784,"sentiment":"positive","sentiment_score":0.4336239993572235},{"text":"Now, obviously, with the changeover of a new provider, we would, you know, we need to move your superannuation contributions and stuff like that. We obviously help you out with with redirecting contributions. We fill out the forms and send them to you to make sure that they all happen, Yep. and we try to make sure that, you know, contributions are land land on our side. I know that you're self employed, so you are, by essence, the one that takes care of that. But Yeah. you and your business are two separate entities. We have to remember that. Yep. Yep. Yep. No. I understand.","start_word":2785,"end_word":2890,"sentiment":"neutral","sentiment_score":0.07761267374076371},{"text":"That's good.","start_word":2891,"end_word":2892,"sentiment":"positive","sentiment_score":0.4670484662055969},{"text":"Alright. I'll I'll obviously have a read through all of this entirety, like, like, later on today. As far as your I did see somewhere your fee, so I pay that now, obviously, because you prepared the report and whatnot. So I'm looking at page number 45. So Oh, cool. You skipped Biden head. Okay. Yeah. yeah. I know. I just I was just flipping through everything else. I was No. just making You're okay. I'm like, I was gonna read all this stuff. There's a lot of words here. I'm like, oh, do you wanna we'll keep on going from where you were and work our way down to that one. Hey? Happy to skip ahead and skip back. Like, I'm I mean, I Yeah. wrote the document, so I'm I'm pretty familiar with it anyway. I don't really No. No. need to read it That's too much. so that that's good. So you've explained the the Hub 24 thing. And we So outside of that, the following recommendation is really centered looked around your contributions. at Now in the reports you sent, the you obviously provided two financial years, which was actually really cool. The one thing I noticed, and we did talk about this anyway, was, like, you're making the additional contributions and that you were going over the your concessional contribution cap. Now what I noticed in the reports was that the 2025 financial year, you hit 28,000 and change. That financial year, the contribution cap was $30,000. So you fell Yep. underneath that cap. Yes. That's right. Last financial year that that just closed, so 2026, your contributions were 30. Well, I should know this on top of my head. Oh, I've got That's no. 30 No. That's two. fine. I've I've gotta claim one as a personal oh, is it too late now? I did put $10,000 into it. So does that make any difference? Like, personal contribution? So you you put $10,000 in your, Yes. like, Just personally? Yeah. cash. Yep. Do you transfer it as, like, a b pay payment? Yeah. Exactly. Yep. No.","start_word":2893,"end_word":3244,"sentiment":"neutral","sentiment_score":0.053321411134675145},{"text":"That's absolutely fine.","start_word":3245,"end_word":3247,"sentiment":"positive","sentiment_score":0.517932653427124},{"text":"And then you we we we can submit what's called a notice of intent to claim. Yeah. That's what yeah. That's what I was just I wasn't sure if you have to if you don't do that, it goes onto your concessional amount, doesn't No. it? No. It goes on to your non concessional, Non concessional. which means Okay. that you you pay the tax marginally Yep. versus other. Yep. However, I can. Yep. the report that you provided showed that you've already made 32 I think it was 32,000. I have to look at it again. But that $32,000 worth of contributions for which the concessional contribution so the the superannuation contribution amount, the last financial year was $30,000, which means you've exceeded it by 2,000, Yep. which means you pay extra tax. However, Yep. this would mean that you automatically trigger what's called the carry forward rule. I can already see, you know, just based on Yep. those two financial years that you would just carry forward the twenty twenty five financial years Yep. unused caps. Yep. The $10,000 that you've that you've paid in in cash, depending on whether you have any availability Yep. in the last five years, would depend on whether you can Yep. Use whether a it carry makes forward balance. yeah. Otherwise, Yep. you actually may bring up a task that's not advantageous for you. Yep. Yep. Yep. Understand. It's easy enough to check by going to myGov and seeing what Yes. available cap space Yeah. you Yeah. have. I've seen I've I've looked at it before. Yeah. Yes. Yeah. And I know we spoke about the fact that you did have a little bit of room and that we were talking about you doing this anyway, Yep. but it's being very careful about not claiming too much. Yeah.","start_word":3248,"end_word":3553,"sentiment":"neutral","sentiment_score":-0.017620186590790458},{"text":"It don't go over the cap.","start_word":3554,"end_word":3559,"sentiment":"negative","sentiment_score":-0.36021319031715393},{"text":"Yeah. The notice of intent to claim form really easy.","start_word":3560,"end_word":3569,"sentiment":"neutral","sentiment_score":0.2655012905597687},{"text":"I'm Yep. happy to fill it out for you.","start_word":3570,"end_word":3578,"sentiment":"positive","sentiment_score":0.5705065727233887},{"text":"Mhmm. But before I would fill it out for you, I would wanna see a screenshot of myGov, Yep. Yeah. realistically. Yep. The contributions cap. Yep. Historically. Yeah. Yeah. Yep.","start_word":3579,"end_word":3608,"sentiment":"neutral","sentiment_score":0.101539745926857},{"text":"So I can fill that for you. That's that's fine. I do them every day.","start_word":3609,"end_word":3623,"sentiment":"positive","sentiment_score":0.4160301983356476},{"text":"Save your paperwork. Okay? Yep. No worries.","start_word":3624,"end_word":3630,"sentiment":"neutral","sentiment_score":0.2323078811168671},{"text":"Okay. Good stuff.","start_word":3631,"end_word":3633,"sentiment":"positive","sentiment_score":0.6208226680755615},{"text":"So, yeah, I'm on page 21, and I can see you your recommended contributions is 27,625. So, yeah, that's under the cap, obviously. So that's net. Both though these figures are net. So it's it's that takes us up to the the so this financial year, which is 2027 financial year, Mhmm. the cap changed to 32,500. Yep. Superannuation, when we talk about concessional contributions, when the contribution is paid in concessionally, Mhmm. the super fund takes out 15%. It it pays 15% in tax Yep. because the assumption is and and what would would have happened with that money is that it hasn't been packed. It hasn't been taxed marginally, so they only they tax it at the superannuation rate of 15 Yep. percent, which is where Yep. we get that twenty seven six twenty five. So Yep. that's less than 15%. Yeah. So I'm recommending that we we keep to we keep to our $32,500, Yep. essentially. Yep. No worries. Now based on your income of 120, which I Yep. know that you were considering moving it to $1.30, 1 Mhmm. 35, whether you've implemented that or not No.","start_word":3634,"end_word":3824,"sentiment":"neutral","sentiment_score":0.010887452401220798},{"text":"Not yet.","start_word":3825,"end_word":3826,"sentiment":"negative","sentiment_score":-0.4164572954177856},{"text":"cool. It's a big question mark. But, essentially, what I'm recommending is that based on the $1.20 a $120,000 on the 12 Mhmm. percent worth of contributions, it essentially breaks down that, you know, your your your your additional contributions would just take you up to the cap. In the Yep. document, I broke it down into, you know, what how much that would be each week, fortnight, and month for you depending on how you end up paying your contributions. Obviously, we have paid pay contributions coming in now, Yep. but I wanted to make sure that I gave you all of the variances to make Yep. it Yep. easy. No. That's fine. Now, obviously, depending on cash flow for the business, you do have the availability to you could pay the lump sum. Contributions can be paid as lump sum as well. Yep. You have a little bit more control in that area. The Mhmm. downside to that and when I speak to business owners, one of the things I do because I do have a lot of business owners that just hold up on paying their own contributions until end of financial year. I've seen that you don't do that. You contribute really No. regularly. With cellular sacrosanctomycinetoid. Yeah. Yeah. But I do have business owners that do tend to try and lump sum it before end of financial year because they're waiting on cash flow and all the rest of it. Yeah. The downside Yeah. No. for that is that yeah. Sorry. No. Well, just with the cash flow reasons, I'd like to pay it weekly so that I know where we're at. At, you know, any given point, I know all my liabilities are covered. Yeah. No. Good. And I would recommend that we keep doing that Purely and simply, a, it means your dollar cost averaging. So you're buying in at different sections of the market constantly across time rather Yep. than just luck of the draw, dump the money in on a day, and you're gonna buy in, you know, Yeah. With $30 whether it's worth oil, of. water, or whatever. Yep. Correct. Don't be wrong. If it's low, massive win, but there's no guarantees. Whereas your dollar cost average has a better compounding outcome Yep. Yep. than lump sum contributions do. Yep. Understood. So your the contributions that I'm recommending with respect to ongoing basically amounts to the 32,500. So if you do obviously increase your wage, just making sure that we tailor Yeah. Yeah. the The excess the contribution payments. that Yeah. yep. Exactly. So not exceed that on that front. Yep. But No that sure worries. makes sense. And there's obviously the the tax benefits, which for you, the tax benefits are a bit wishy washy because, obviously, it's the business that's that's paying Yeah. a lot of it and and the the less yourself. Yeah. Yeah. And I look I I understand sort of what you're saying here with the super.","start_word":3827,"end_word":4328,"sentiment":"neutral","sentiment_score":0.017644193411185092},{"text":"It's pretty well laid out.","start_word":4329,"end_word":4333,"sentiment":"positive","sentiment_score":0.49898791313171387},{"text":"I mean, I sort of have familiar I'm familiar with most of what you're saying.","start_word":4334,"end_word":4348,"sentiment":"neutral","sentiment_score":0.21626050770282745},{"text":"So looks good. So that's good.","start_word":4349,"end_word":4354,"sentiment":"positive","sentiment_score":0.6044760346412659},{"text":"And I've been on page what am I up to? Page 22. I can see that you just summarized Yep. the the chain that we've been the forecasting five to ten years. Annual investment. No. It's a you're still on super versus hub 24.","start_word":4355,"end_word":4398,"sentiment":"neutral","sentiment_score":0.0948268473148346},{"text":"That looks all good.","start_word":4399,"end_word":4402,"sentiment":"positive","sentiment_score":0.5189961194992065},{"text":"And then so retirement income package. So this is the the income calculator on the next page. It's just about how much money is gonna be there in supers, Longevity and what is wise. it? Yeah. Okay. But So that without having because I there's obviously a lot of there's a lot of oh my gosh. The word there's a lot of other variant variables that would need to be considered, but I always like just having a, I guess, a bit of a snapshot of, well, you know, if we ignore everything else, we just have your super. This is basically if we did a drawdown, this is what it would look like. Alright. So, yeah, if I was to retire today. I did age 60 because you can't retire today, Yeah. but, Yeah. Yep. yeah, from age 60 through, basically, the value that you have within the funds come age 60, so sort of thirteen years' Yep. time, what that looks like, how much money you would have, and what that longevity is. Again, Centrelink wasn't factored in, Yep. and and that would become a factor anyway. Okay. You know, Yep. you you you currently have, you know, the the the the business that could be sold and then the and the building and stuff like that. But, Again, yeah, not that's factored in. There's that's a big just question a forecast mark. of, yeah, superannuation and how far how much we pay out from the age of 60. Yep. Okay. Correct. I get that. That's no dramas. I'll have a read of the fine print on the following page when I get time. Yeah. That's okay. And then what's the table here on page 25? So salaries are reflected to false income. That's just summarizing. The the tax implications Yeah. and salary sacrifice and such like that. Yep.","start_word":4403,"end_word":4713,"sentiment":"neutral","sentiment_score":0.03263274472434421},{"text":"Excellent.","start_word":4714,"end_word":4714,"sentiment":"positive","sentiment_score":0.482392817735672},{"text":"Alright. I'll read the advantages and disadvantages later on, and I'll review Okay. those that later. Insurance policy. Okay. So up to insurance on page 28. Yep. I'm with you. So I had a look at insurance, and we did speak a bit of it a bit about insurance as well. But I had a look at it, and I looked at the, I guess, the Yep. the implications of having it versus not having a policy. Yep. Now I looked at in the event that you would have passed away, and we spoke about this as well, in the event that you would have passed away, the kids essentially get a house and they get the building, the commercial building. Yep. Yep. Correct. Business building. Yep.","start_word":4715,"end_word":4841,"sentiment":"neutral","sentiment_score":0.043605539947748184},{"text":"So they are readily looked after. They'd walk away with easy a mil each. And as we discussed, you were quite happy with that.","start_word":4842,"end_word":4865,"sentiment":"positive","sentiment_score":0.5135881304740906},{"text":"With Yep. them Yep. having that, that sets them up without, you know, giving them an additional benefit for, you know, no real reason that you're having to pay the premiums on. Yep. I looked at total and permanent disability. And as we spoke about, theoretically speaking, the business could operate without you. Yep. You know, you'd obviously have to get someone in, and and there would be a a few things that, you know, would probably cause a bit of headache. But Yep. other than that, again, the building could be sold that your current house could be sold, and downsizing could definitely happen. And then we also spoke about income protection, which is basically if you were short term ill or injured. Yep. Yep. And, again, we had that conversation. The business is able to run-in the short term without you, and there wasn't a lot, you know, outside of maybe really, really major medical, so, like, a stroke or Yeah. something that put you completely out. You know, if you broke a leg or anything like that, you would still be able to work on the business, just not in it type of thing. Yep. Yep. You know, you can still do all of the paperwork and back end stuff, so you still have that capacity because you have workers working for you. Yes. So I while I did look at, you know, what insurance would cost Correct. if we did write it, it Yep.","start_word":4866,"end_word":5113,"sentiment":"neutral","sentiment_score":-0.032065960188065804},{"text":"just wasn't advantageous, and it made absolutely no sense to Yep.","start_word":5114,"end_word":5124,"sentiment":"negative","sentiment_score":-0.3993438482284546},{"text":"go ahead and write a policy. Yeah. So That's what good.","start_word":5125,"end_word":5135,"sentiment":"neutral","sentiment_score":-0.2798420488834381},{"text":"I'm actually recommending is we cancel it.","start_word":5136,"end_word":5142,"sentiment":"negative","sentiment_score":-0.5229092836380005},{"text":"Whilst Yep. this policy does only cost you a couple $100 a year, putting that back into your super and keeping in your super made way more sense compounding Yeah. than if we were to go and write another policy. Yeah. Now Yeah. don't get me wrong. I did look at a policy that covered off the mortgage, so, like, that $606,120,000 dollars. And Yeah. we were looking at sort of $600 a year for the Yep. first year. But the older you get, the more that is gonna cost. And, again, what was the real benefit for it? Yeah. No. I'm I'm on I'm with you on that one.","start_word":5143,"end_word":5252,"sentiment":"neutral","sentiment_score":-0.07414458692073822},{"text":"I like I like what you're saying.","start_word":5253,"end_word":5259,"sentiment":"positive","sentiment_score":0.5045315027236938},{"text":"Yes. Yeah. So it just didn't it didn't have a have have a benefit. Obviously, there's risks to canceling a policy. You no longer have that additional benefit, Yep. la la la, along those lines. Understand. But it's just doesn't really give us an advantageous position Yep. Yep. long term to what our actual goals are. Nothing. If I Nothing. was talking to you maybe ten or fifteen years ago, kids were a little bit younger, Yeah. Story would be different, More dependent. but we're in Yeah. a slightly different situation. Yep. I agree. I'm with you on that one.","start_word":5260,"end_word":5359,"sentiment":"neutral","sentiment_score":-0.05163336709141731},{"text":"That's a good one.","start_word":5360,"end_word":5363,"sentiment":"positive","sentiment_score":0.6501168012619019},{"text":"The next part's about the offset. Yes. So I did look at, like, the offset and whether, like because you currently have money in the offset, and I know that Yep. that's it's a little bit fluid, whether maybe taking money from your offset and putting it further into your superannuation would, like, as non concessional for after tax contribution were gonna be Yep. beneficial. And, honestly, the savings that you're getting from using your offset the way you're using it were a lot better than putting those contributions in. So I recommended that we just we you you keep using your offset the way you're using it Yeah. and that we don't look to Yep. change that current position. It looks like I'm saving about 28,000 on interest, is it? 28,490 or something like that. So yeah. Alright. That's good. Don't touch it, Mark. Don't touch it. Yeah. No. That's alright. So yeah. Realistically speaking, the the the offsets doing doing wonders. I mean, they always do do do Yep. wonders, which is great. No. That's good. I could deny that I've done the right thing and sitting in the right spot. Yeah. Very much so. Yep.","start_word":5364,"end_word":5561,"sentiment":"neutral","sentiment_score":0.1242976039648056},{"text":"The good like, the the great thing with with Offset then and what I would probably recommend is that you just you make sure that you keep as much money in there as possible and just keep get paid into that account, keep as much money in there.","start_word":5562,"end_word":5609,"sentiment":"positive","sentiment_score":0.3377223610877991},{"text":"If you have to pay a bill, you obviously pay the bill from that account. That's fine Yep. Yep. because interest is calculated daily. Yep.","start_word":5610,"end_word":5634,"sentiment":"neutral","sentiment_score":0.08482848852872849},{"text":"So that's the real benefit to it. Excellent. Alright. You've covered that one off. That's good. Cool.","start_word":5635,"end_word":5651,"sentiment":"positive","sentiment_score":0.4956827461719513},{"text":"Looks like the next section is page 35. Beneficiaries. What's that? So with with the establishment of a new fund, we Yep. need to nominate a beneficiary to receive the benefit if it was to occur that you passed away and therefore Oh, yeah. Nominate. Oh, the yeah. superannuation This is the same as what I've got with this Australian Super Year. yes. However, what I'm recommending, and this is for tax purposes, is that you actually nominate your legal personal representative, Yep. which is your estate, and then we make sure that we get the will Mhmm. in place and updated and make sure Yeah. that it has our wishes included in it Yeah. so that I need the benefit to do that. can go through to the kids. Yep. The Yep. reason No worries. I'm recommending this structure versus directly nominating the children because the the children I know they're not children. They're they're big, but they're Yep. still your children. Okay. The the kids, whilst they are a CIS, like, SIS, superannuation industry act Yep. legal beneficiary, they are, however, nontax dependent because they are grown. Yep. And what would happen is if you were to pass away and they receive the benefit, the Mhmm. taxable component for which majority of your super fund is taxable, the taxable component is paid to them with a 17% tax taken out of it Yep. versus if it's paid to your estate, it's only 15%. Oh, yeah. Okay. And, realistically, because you have you have the business, you have a house, you have the cars, personal assets, a beneficiary nomination to the super fund doesn't cover any of that, and only a will can cover all of that information off anyway. So the will is an important document to Yep. just be able to to have in place. The other benefit is is that a will has a executor nominated to on it. And, Yes. realistically, if anything were to happen to you, banks, us, super funds, insurance companies, anything like that, can't talk to anyone. Privacy act, even Yep. upon death, restricts us from talking to anyone, Yep. which is painful. But Yep. a a a will nominating executor removes that and enables us to obviously start talking and communicating with an appointed person. Yep. There are some really good providers around. If you don't wanna go to a solicitor, you you know, you don't wanna go and spend realistically, a simple will is only about 750 to 1,500 Yep. dollars depending on who you go through. So they're Yep. not stupid expensive like people think. Mhmm. But other than that, I wouldn't really recommend that you go for a will kit through the post office. While they are Yep. available, Yeah. they're And only I'll about get 30 it get bucks. it done properly. Yeah. I'll grab with you there. Yeah. They're just not that great. There are some online Yep. support services, though, that can give it that can help you. There are some online companies like Willed, w I, double l, e d, Yep. that are like, you still do it yourself, but it's supported. You do it yourself supported. It's only a couple $100 doing it that way. Again, a solicitor is gonna give you a much better outcome, Yep. though. Yep. In seeing a solicitor, my other recommendation, which the next two points are basically go and get a will. And Yep. the last one is when seeing a solicitor, because you are a single person now, so no longer married, Yep. I recommend that you actually look at getting what's called a power of attorney document Yep. drawn up as well. Yep. Because it just if anything were to happen, you did fall ill, it appoints someone to make financial and medical decisions on your behalf. Doesn't Yep. have to be the kids. It can be someone else that you trust. Yep. But, generally, that falls to a spouse, so Yep. Yeah. nominating In my someone case, it else. doesn't yeah. It doesn't happen here. Yeah. Just having that clear defined role is just gonna Yep. help you out on that on that side.","start_word":5652,"end_word":6352,"sentiment":"neutral","sentiment_score":0.03293856042709611},{"text":"That's fine. That's a good one.","start_word":6353,"end_word":6358,"sentiment":"positive","sentiment_score":0.6126613616943359},{"text":"I didn't think of that either. Yeah. Yeah.","start_word":6359,"end_word":6366,"sentiment":"neutral","sentiment_score":0.10811247676610948},{"text":"So and, Very again, good. a a lawyer can draw them up. They can draw them up together at the same time nice and easy.","start_word":6367,"end_word":6391,"sentiment":"positive","sentiment_score":0.41035985946655273},{"text":"If you don't have a lawyer, I have one that's I mean, you're local around my area, so I have one that's literally around the corner from the office Yep. that I can send you the details for. You're able to go and sit with them. They did my will too and my husband's Yep. if you want. Otherwise, you're more than welcome to obviously source your own lawyer. Yep. No worries. Alright. I've got some work to do there.","start_word":6392,"end_word":6471,"sentiment":"neutral","sentiment_score":0.14923517405986786},{"text":"Always fun when you meet with someone, they give you homework.","start_word":6472,"end_word":6482,"sentiment":"positive","sentiment_score":0.3393765389919281},{"text":"Yeah.","start_word":6483,"end_word":6483,"sentiment":"neutral","sentiment_score":0.2680225372314453},{"text":"Got plenty of reading and stuff to do. So very good.","start_word":6484,"end_word":6494,"sentiment":"positive","sentiment_score":0.4371848702430725},{"text":"Alright. What's next on the agenda? What do we go from here? What do we look at next? So now it's like the remuneration side. So, obviously, I am a fee for service provider. I Yep. do charge a fee. So if you accept the advice, ultimately, what we would do is, a, I would need your tax phone number, and I need a copy of your ID. And Yep. I would need confirmation of your birth date as well. Yep. We would then be able to implement and execute everything. I've I've emailed you these documents because it's a lot easier to go through these documents via Yep. email than it is to go through, like, the signing software that we use. But what I would do is I would send you all the documents, including the applications and everything like that for you to be able to sign. Yep. Yep. And after that, we would be able to implement the advice. So we we would execute Mhmm. rollovers and transfers, the account set up, and everything, and we charge the $4,950 to do that, to execute it, to Yep. set you up, to buy the investments, and make sure everything goes smoothly. We draw up all the documentation for, like, the salary sacrifice and everything like that and provide Mhmm. you with your contribution details. Yep.","start_word":6495,"end_word":6722,"sentiment":"neutral","sentiment_score":0.145859827597936},{"text":"Ongoing from there, you have complete access to me and my team.","start_word":6723,"end_word":6734,"sentiment":"positive","sentiment_score":0.410666286945343},{"text":"So I'm one Mhmm. of six advisers with Oakview, and, total, we have about 20 staff, which, you know, there's administration staff as well that would be able to assist you with any inquiries or connect you straight to me. Yep. Yep. And you're not limited to how much you contact us. You can contact us as much or as little as you want. At a minimum, we will be contacting you annually, Yeah. so once a year, to go through and do a complete review of your position and sit down and have an advice discussion like we did last month. And the reason Yep. for that is is because your situation is never stagnant. We wanna make sure that we're keeping up to date with it. We wanna Mhmm. make sure that we're keeping up to date with the market and the economy and making any tweaks and changes that may need to be made as we go through. Yep. However, more than happy to also meet quarterly or half yearly. It's just completely dependent on what you're wanting preference wise and Yep. whether, you know, you're someone that wants to continue talking or whether you're like, no. Look. Yearly is fine. Yep. But we can organize that at a later time anyway. Yep. So our service fee for that is 1.65% of the balance of some. So that would roughly be $3,006.82, but we do cap our fees at 9,900. So irrespective of how high your balance grows, we wouldn't Yep. charge more than that. That makes sense. Yep. Mhmm. Yep. But Makes sense. Yep. cool. Sounds like you're about to die. You got me to have a glass of water. I know. Sorry. It's just the talking and the voice losses and the like like I said, Yeah.","start_word":6735,"end_word":7036,"sentiment":"neutral","sentiment_score":0.15480968099556222},{"text":"like, I just the flu threw me around something shocking, unfortunately.","start_word":7037,"end_word":7047,"sentiment":"negative","sentiment_score":-0.451347291469574},{"text":"Yeah. Yeah. Alright. No worries. So my options are to take on all your recommendations. Obviously, that's the one you just walked me through. What if Yes. there's what if there is part of the things that I wanna go ahead with and other things I don't wanna go ahead with? Absolutely. So if you have a look down at the second to last page, it's the page you basically sign on. It's you know, I hereby authorize myself and my author number and the company and all the rest of it to implement it. Well, the second paragraph is I have chosen to vary the recommendations, and then that nice big section Yep. of white paper for which Yep. when I send it to you via the electronic signing, you Yep. would be able to free type into that section stipulating what you do and don't want implemented. Yep.","start_word":7048,"end_word":7197,"sentiment":"neutral","sentiment_score":0.029054617509245872},{"text":"Excellent.","start_word":7198,"end_word":7198,"sentiment":"positive","sentiment_score":0.4051397442817688},{"text":"Obviously, if Alright. it's complex in nature, I e, you turn around and go, I hate this investment, Yep. I'm gonna have a follow-up question, and then I'd probably just redo the investment structure for you rather than vary the implementation or, like, cut out an investment option. I would just work with you to alter that. Yep. So that's essentially where that where that goes. No worries. So I've probably got I need to have a good read through all this now and then make make a decision on which way I'm gonna go with it. Leave it with me. Poor timing. I'm about I'm happy on long service leave for three weeks. So maybe I should Yes. just get stuck in and read it tonight and just get it out of the way. And, yeah, I'll try and get back to you as soon as possible. But, Yeah. yeah, there's a lot of lot of reading and consideration there, so That's that absolutely that's good. okay. The one question I really had for you is amongst everything, I actually never grabbed your full date of birth. I had the year you were born, Yep. but I never May grabbed 3. your month oh, Yep.","start_word":7199,"end_word":7404,"sentiment":"neutral","sentiment_score":0.005506766676333127},{"text":"Easy one. Amazing.","start_word":7405,"end_word":7407,"sentiment":"positive","sentiment_score":0.5184293389320374},{"text":"So I just I obviously need that for any of the applications and stuff like that. What I can do is I can put everything together in the signing documents, and I Mhmm. can email that through to you as well. So that way, after you finish reading the statement of advice that is obviously the full statement, the appendix we haven't gone through, but, realistically, the appendix is some of the research that I conducted in line with Yep. the recommendation. So it has the insurance side of stuff that I looked at and, like, links to each of the investments that I'm recommending and just supporting information for Yep. you. Yep. More? Have to read. Wait. I'll probably flick through that one. Yeah. So I have all that sitting there as well. There's a full breakdown of, like, each of the investment opt options that we discussed. So your your risk profiles, how it breaks down, and just sort of information for you to to be able to sort of read through. It's nothing overly complex, very much similar Yep. in nature with with what we have. There's a comparison Yep. as if we were to move you to a similar investment option Mhmm. under AustralianSuper so that way you can see what that looks like as well, Yep. you know, mortgage currently and stuff like that. Nothing nothing complex, nothing, you know, very informative. It's a lot of graphs more Yep. so than words.","start_word":7408,"end_word":7654,"sentiment":"neutral","sentiment_score":0.11679699271917345},{"text":"That's good.","start_word":7655,"end_word":7656,"sentiment":"positive","sentiment_score":0.4295468032360077},{"text":"So that's it.","start_word":7657,"end_word":7659,"sentiment":"neutral","sentiment_score":0.1834009736776352},{"text":"Very But what good.","start_word":7660,"end_word":7663,"sentiment":"positive","sentiment_score":0.34858521819114685},{"text":"I'll do is I'll roll the documents up, and I'll email them to you through that signing call. Yep. That way, should you wanna proceed, you're able to sign it. Yep. But otherwise, realistically, what will happen is one of my team, Maddie, you've just talked to Maddie Yep. before, she'll basically touch base with you in a few days. And as always, if you email me, I'll get back to you. And, you know, Yep. if you wanna have another chat, we can have another chat anyway.","start_word":7664,"end_word":7751,"sentiment":"neutral","sentiment_score":0.12555570900440216},{"text":"Too good. Alright. Excellent. Leave it with me.","start_word":7752,"end_word":7759,"sentiment":"positive","sentiment_score":0.522778332233429},{"text":"As I said, I'm gonna borrow into that information now, and then I'll get back to you as soon as I can. Yeah. Look. If you end up getting through everything and, you know, you wanna go and enjoy your holiday because you weren't perfectly entitled to that, that's okay as Yeah. No worries. Alright.","start_word":7760,"end_word":7814,"sentiment":"neutral","sentiment_score":0.2628099024295807},{"text":"well. Thanks again, and, yeah, we'll talk soon. Absolutely, Mark. My pleasure. Alright. Bye. Have a good one. Bye.","start_word":7815,"end_word":7833,"sentiment":"positive","sentiment_score":0.594278872013092},{"text":"Bye.","start_word":7834,"end_word":7834,"sentiment":"neutral","sentiment_score":0.2238152027130127}],"average":{"sentiment":"neutral","sentiment_score":0.06274425564099796}}}}