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Now I'm just gonna go through a bit of an annual review with you just to go through some updates on the super there. I just wanted to quickly check security with you. Do you recall your client password with us? Yes. It is too. And how fantastic to be in the top eight all of a sudden. It was brilliant. I had my wife and my my son in the jerseys there cheering him on and looking forward to the finals. They're from Bowen, her family. Absolutely. Now I've got there's a little bit of a pack I'm gonna send through to you after this call just with some reports for your own records. Now before I jump through the review, bit of a details update, options for the super, is there anything in particular you would like to focus on for this call? Okay. Yeah. Yeah. Fantastic, Susan. I love these questions. This is brilliant because I've got a whole plan in mind for you, and I wanna kinda just work through a few options for you. So when it comes to that two year period, so in two years' time, twelve months of leave and then twelve months of super only, bit of a combination of part time work, age pension mixed in, it's actually looking pretty, pretty good. So when I look at total balances, I've got a retirement goal here from you that you're probably only aiming for about $500 a week after tax to live on. Does that still sound okay? Perfect. So when you retire and you've got all your super just sitting there, let's just say you're only relying on your super, you still haven't invested conservatively. So it's trying to generate a little bit of a return. Kinda like money in the bank, it's trying to earn its four or 5%. When you retire, you're not trying to aim for, you know, 20%. You're not trying to aim for high risk. Does that make sense? So what happens is if you can put it in something conservative where it pays 5%, but then you pull out 5% to live off, then the money's not gonna go down. So if you earn 20,000, pull out 20,000, the super is just gonna last until age 90, 100, 100 and 20, however long. If you need to pull out more than 5%, it will slowly go down and eventually run out. Does that make sense? So for a $500 a week goal, you essentially need 520,000 to be perfectly okay no matter what or at minimum, 260,000. So 260,000 would see it last until just after life expectancy because the pension will kick in as well, and that should last until age, say, 92. And you're sitting with 350,000 in total currently. So what that basically means is we do just have these last couple of years to get a little bit more growth out of it, a little bit more contributions, and then you may only need to pull out six or 7%. It'll slowly go down, but not until it won't run out until you're over a 100. Okay? So tracking very, very well, but there are a number of things that we can do. The first thing is I wouldn't take on more risk because you're already sitting kind of medium at the moment. You're in a balanced fund. It's kind of right in the middle. Now if I yeah. Because if you bumped it up in risk level, let's say the stock market crashes next year, you could lose 40% of the super just before you start living off of it. And we don't want that to happen because that's probably you've spent all this time building it up. Let's actually protect it. K? Now you're in a transition to retirement strategy at the moment with the pension and the super and the contributions. Does all that ring a bell? So because you've been doing all those extra contributions, we can well, I'll break it down for a quick second. You've got a 140,000 in your super account, and the rest of it, 212,000 that's sitting in your pension account. So we could essentially pull more money across from your super account, give you a bigger pension account, which allows you to pull more out and do more contributions back in. Do you remember that strategy of, like, you put it in salary sacrifice? It's only taxed at 15%, but you get to claim that difference in the tax to boost up your super. So because your I think your income last check was around about the 69,000 mark. Is that pretty accurate? Mhmm. Go for Yep. Okay. And do you think that would be pretty close to the mark for this financial year? Yep. Okay. I can base it off 74,000. That's no worries at all. Yes. That's right. That would be fantastic if you could. 74, Mark. Pretty safe bet. Yeah. That'd be fantastic. So I will work off the 74,000 for now. We'll update it slightly once we get that back from you, but that's enough for me to kind of do some updated planning for you. So if you're okay with that strategy, I wanna just kind of ramp that up a little bit where we fill up your pension a bit more, pull a bit more out of super, and put a bit more back in. So what I'll do is I'll do a bit of a double. I'll update a plan for you with what those calculations look like to get you the most benefit. And included in that, I'll do a bit of a retirement projection where we go, okay. Here's a two year plan, twelve months of living off of leave, and then a year of just super, and then how do the funds look from age pension age onwards. Does that sound okay? Perfect. What I'll do alongside that, so when it comes to the other thing that we can do, which is the investments inside the super, You've had a really good return this year even though the markets have kind of gone crazy with the world exploding. Yeah. So you're usually in a balanced risk profile aiming for that kind of 7% average would be really good. Some years higher, some years lower. You've pretty well hit between six and a half and seven and a half percent after fees the last twelve months, so it's still tracking pretty good. What I will do, though, is I have noticed one of the investment options has been dragging its feet a little bit. So I'm just going to do a little bit of an update on your portfolio, just a bit of an engine tune up. We'll switch out a couple of options because you have eight. If one or two aren't doing so well, that's not the end of the world, but I would like to just fix that up for you. K? Now we'll ask you one question. There's no wrong answers for this. But because Hub twenty four has the most investment options in the industry, I need a way to whittle down their couple of thousand to a couple of options for you. You can choose between low fee funds that follow the market very closely or paying higher fees to try and get a higher return. Which way do you lean between the two? So it's a bit of a blend of both at the moment where that one option that hasn't been doing too well, that's a bit of a higher fee one. So I was just wondering if you would consider maybe going for that lower fee option. Cool. So that'll say, yeah, well, when we go through the comparisons and we recommend the options to switch it out from, it's my job and the team's job to research what the best options are in either style. And then from there, I can find you good ones in active or passive, high fee or low fee, but I just wanted to see if you wanted to give that low fee approach a bit of a go. Cool. So that will help it as well. So if we tune up the portfolio a little bit, we won't change the risk level at the moment, and we just beef up your recontribution strategy. That should get you the best outcome over the next couple of years. K? Now bear in mind go go for it. I was just gonna go through a bit of a a risk discussion with you just so I can explain the ins and outs there. But if you had a question first, please, by all means, ask it because this will be a few minutes. Mhmm. Okay. Yes. Absolutely. So there's a couple of options. When you fully retire, you will have access to all of your funds. So I'll note down 15 thousand. Well, if you're past the age of 60 and fully retired, then you can access everything. So it doesn't really matter past that point as long as you're fully retired. If you're still working part time, then you can only access that 10%. Yep. Now let's just say we're only accessing five percent at the moment, and then you wanna go for a holiday. Well, then you've still got that other 5% that you could access as well. Are you thinking the holiday at age 65? Perfect. So what that mean? Go for it. Yes. Yeah. I'm gonna double check the rules for you and let you know. But either way, I'll still make it work for you. That's okay. Because what we can do too, like, let's just say it does affect your ability to access all the super. Well, five to 10% withdrawal is still 17 to over $30,000. So worst case scenario, if you talk to me in, say, May or June, and we say, hey. After July, I wanna go on my holiday and hang up the boots, then I will preplan that with you so the funds are available. K? So I'll note that down. Thank you so much for letting me know that additional expense, and I'll factor that into the plan as well. Perfect. When it comes to your balance risk level, what I do need to let you know is that you usually invest in that medium risk for about seven years. And then when you're three to five years out, we go down to a more moderate risk level. And then when you retire, you go conservative. Now I don't mind you staying in balance for the extra one or two years and then slowing it down once you retire. But I just wanted to just quickly flag it with you because you've kind of you've kind of hit your goal a little bit. Would you say that you're prioritizing growing it a bit more so than protecting it or protecting it more than growing? Yeah. So our options realistically is we either keep it at the same medium risk level for another year or we start reducing down a little bit further now or we just do that next year. So I I don't mind it being in there for maybe another year or so. But like I said, I'm not gonna increase your risk. It's really a discussion about do we keep it medium or go a little bit below medium. So from three out of five to two out of five or something like that. It depends on how close they are to their goal, but most people who are close to their goal will start to reduce the risk down and maybe just do those extra contributions instead. Whereas people still trying to play catch up need that extra little bit of growth because they don't wanna work past age 67 because they can't afford to. Alright. So I might yeah. Yeah. So that's okay. Look. You're paying the fees for us to advise you, and that's exactly what I'll do. So I will crunch the numbers and do some projections and see how you're tracking for things. If there is a huge difference where you're just gonna be on track for it no matter what, then I will recommend reducing the risk level down. If it's still a bit of a a medium certainty, then I'll keep it as is for one more year. Sound okay? Yes. Absolutely. I'm gonna do an updated plan for you to show you both the projections and the performance and the updated figures, and then we will run through that together and make sure you're a 100% comfortable. Perfect. Okay. So I've got everything I need there. Now just bear in mind that because you're sitting at that 350,000, while you're in that moderate to medium growth, you will still be seeing your super go up and down, say, five to 8%, which means that you're still gonna see it moving 10 to $25,000 up and down. So it may go from $3.50 to $3.35, and then it'll be back up to $3.80. That's pretty common. Yep. What we don't want is we don't want this super going from $3.50 to $2.40, and you're like a $100 to have to catch back up over five years. Yep. So I'm gonna try and keep the risk level manageable while still getting that last little bit of grub out of it. Perfect. I'm just gonna have a quick look. So other details to update, we've got no change in your role, just the income will clarify. No change in address. Your PO box still okay? PO Box 1346. Perfect. Assets and liabilities, we just had the the car and the credit card. And do you have a a bunch of sort of savings, rainy day funds set aside in case something happens? Yep. Sensational. And so what about cash flow? So when you've been getting these contribution sorry, pension payments out to you and you've been doing the salary sacrifice, how has that been going for your week to week, fortnight to fortnight pay? Has it been okay? Oh, perfect. So it tops it up and then also acts as a bit of forced savings off to the side for you to pull. Yep. Okay. Now do you wanna look at sacrificing more into the super, or should I just keep this top up strategy going where it keeps bringing you back to the same net income? Oh, yes. That is more than okay. Yes. Anytime that can be changed. So another thing that you could even do if this is easier is if you just keep pulling all your cash savings aside, when it gets to that April time, we can look at a one off contribution into super as we get close to the end of financial year. We don't have to do it regularly. We can do a bit of a one off if we need to. Yeah. Yeah. So what work puts in and what your salary is sacrificing, that's all your nice tax deductible. We call them concessional contributions. Now if you pull those two together, what work's paying plus what you're sacrificing, that has a cap of now 32 and a half thousand dollars per year. So we've got the difference to make up between what's going in overall and what's left over in your cap. So I'll give you a bit of an example here because I have some percentages in front of me for what you've been putting into super. Just bear with me for one moment. So let's say you're putting in 12,000 into your super in total currently. You still have $20,000 left over of your cap plus everything that you haven't used the last five financial years, which is well over a $100,000. And then even if we exhaust all of that, somehow, we still have a non concessional cap that's a $130,000 per year. So there's oodles of room to make contributions. It's just about your cash flow priorities at the end of the day. K? So at the moment, I will do that net zero strategy where what comes out tops you back up, and then we'll talk around April to make sure if you wanna do an extra little contribution, we can talk then as well. Amazing. Alrighty. Now that's quite a lot of information. I don't expect you to kind of have all that figured out in your brain because I still have to do some research and put a plan together for you. But does it make sense so far? No worries at all. Yeah. And we have to take it seriously because this will be your life in a few years' time, and we do take it seriously to try and get you there with the least risk necessary so you can be on track for your comfortable retirement goal. Alrighty. Do you have any questions for me so far? I believe so. But after 60, it's all tax free. Oh, a little bit of a difference in terminology. So if they're asking, did you receive an income, I would probably say yes, and then obviously talk to your accountant. It doesn't matter how much we pull out after 60. It's all tax free. So whether you pulled out 5,000 or 50,000 doesn't make a difference there. But, yeah, but when you do your tax return, there is a section where they say, hey. Have you put more money in and you wanna claim that as a tax deduction? That's not what you were doing. K? It's for people who have already put money in from their bank accounts and they wanna claim it. So just be careful with that section of the tax return. That's all. Cool. Yeah. Yeah. So with Matthew and Michelle, I would assume that they they would be over 18, wouldn't they? Yep. So the only unfortunate thing is when when they do the CISACT nominations for who can receive super, they're valid nominations, spouse, children of any age, they count. But when they're over 18, they're no longer a tax dependent. So that's why they cop a bit of tax. So what tends to happen is there's a bit of a calculation of the leftover when people receive a taxable portion of your super. I have seen people put money into, like, a testamentary trust. So when they pass away, they will create the trust fund. And that's really good for people underrating because it's kinda like, here's a million dollars. Let's let you live off of it for a while before we just give you a million dollars. But for the adult children, it only really saves them the Medicare rebate of 2%. It doesn't really minimize the tax much. There is something that we can do, and this is probably as far as I'm gonna go today because this will this will melt the brain a little bit. But did you remember before how I said there's a different type of cap, a nonconcessional cap? When you hit 65, we can do something called a cash out recontribution, which essentially means pull out the majority of your money out of super and then throw it all back in again as a non concessional contribution so it sits there in the tax free portion. It's essentially washing the funds after the age of 65. Yeah. So my plan for you at the moment is we'll update the the transition pension strategy now. When you hit '65, we will do that recontribution with you. And then '66, '67, you'll be in your full pension retired. So we'll kind of, we've got a three different strategies to do with you every couple of years. K. So leave that with me. We don't do it today, but we will do that at sixty five. That is a fantastic question, actually, and they're all brilliant questions. So I've already put in some notes on your file that we're gonna look at one, two, three, and every review, we're just gonna have this discussion. Are we on track? Do we reduce risk? What other strategies should we do? Amazing. Okay. Sensational. So I'm really glad I got you today for this review because it's been an excellent That's okay. From here, so beneficiaries will stay the same. Have you put in place, like, a will or a power of attorney yet? Yep. Okay. So few options. Some people go to the old $25 will kit from the post office, government approved. Not the fanciest, but they're okay. You've got the solicitors, and you've got the public trustee at the courthouse as well. So there's a few different options for you, but I'll just include a reminder in your plan to to get that sorted at some point. Yep. Alrighty. We're not doing anything with insurances at the moment. It's really just finishing off the growth of the super, and beneficiaries can stay the way they are. Amazing. So that's pretty much everything that I needed so far. You've already signed a service agreement with us. So, yes, perfectly fine, and it's all been applied. So we still have consent on your accounts to be the advisers and look after things. One thing that'll happen next year is we are bringing in a bit of a tiered fee structure so that everyone above 200,000 will start to get some discounts. So once we build all the the financial services guide and paperwork out, that'll be coming down the road next year for you as well. Alright, Sue. That's amazing. Is there anything else I can help with today? Amazing. So from here, I will go do some research and crunch the numbers with the team. I will just send out the usual satisfaction survey message to you. And from there, just keep an eye out. We'll probably give you a call in a couple of weeks to book in to go through the updated plan with me. Amazing, Sue. Thank you so much for your time today. You have a great week. Thank you. 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Tommy here, senior adviser. I work for you. How are you doing? I'm doing absolutely fantastic.\n\nIt's a beautiful cool end of the day. What about your end? Amazing. Amazing. Now I'm just gonna go through a bit of an annual review with you just to go through some updates on the super there.\n\nI just wanted to quickly check security with you. Do you recall your client password with us? Yes. It is too. And how fantastic to be in the top eight all of a sudden.\n\nIt was brilliant. I had my wife and my my son in the jerseys there cheering him on and looking forward to the finals. They're from Bowen, her family. Absolutely. Now I've got there's a little bit of a pack I'm gonna send through to you after this call just with some reports for your own records.\n\nNow before I jump through the review, bit of a details update, options for the super, is there anything in particular you would like to focus on for this call? Okay. Yeah. Yeah. Fantastic, Susan.\n\nI love these questions. This is brilliant because I've got a whole plan in mind for you, and I wanna kinda just work through a few options for you. So when it comes to that two year period, so in two years' time, twelve months of leave and then twelve months of super only, bit of a combination of part time work, age pension mixed in, it's actually looking pretty, pretty good. So when I look at total balances, I've got a retirement goal here from you that you're probably only aiming for about $500 a week after tax to live on. Does that still sound okay?\n\nPerfect. So when you retire and you've got all your super just sitting there, let's just say you're only relying on your super, you still haven't invested conservatively. So it's trying to generate a little bit of a return. Kinda like money in the bank, it's trying to earn its four or 5%. When you retire, you're not trying to aim for, you know, 20%.\n\nYou're not trying to aim for high risk. Does that make sense? So what happens is if you can put it in something conservative where it pays 5%, but then you pull out 5% to live off, then the money's not gonna go down. So if you earn 20,000, pull out 20,000, the super is just gonna last until age 90, 100, 100 and 20, however long. If you need to pull out more than 5%, it will slowly go down and eventually run out.\n\nDoes that make sense? So for a $500 a week goal, you essentially need 520,000 to be perfectly okay no matter what or at minimum, 260,000. So 260,000 would see it last until just after life expectancy because the pension will kick in as well, and that should last until age, say, 92. And you're sitting with 350,000 in total currently. So what that basically means is we do just have these last couple of years to get a little bit more growth out of it, a little bit more contributions, and then you may only need to pull out six or 7%.\n\nIt'll slowly go down, but not until it won't run out until you're over a 100. Okay? So tracking very, very well, but there are a number of things that we can do. The first thing is I wouldn't take on more risk because you're already sitting kind of medium at the moment. You're in a balanced fund.\n\nIt's kind of right in the middle. Now if I yeah. Because if you bumped it up in risk level, let's say the stock market crashes next year, you could lose 40% of the super just before you start living off of it. And we don't want that to happen because that's probably you've spent all this time building it up. Let's actually protect it.\n\nK? Now you're in a transition to retirement strategy at the moment with the pension and the super and the contributions. Does all that ring a bell? So because you've been doing all those extra contributions, we can well, I'll break it down for a quick second. You've got a 140,000 in your super account, and the rest of it, 212,000 that's sitting in your pension account.\n\nSo we could essentially pull more money across from your super account, give you a bigger pension account, which allows you to pull more out and do more contributions back in. Do you remember that strategy of, like, you put it in salary sacrifice? It's only taxed at 15%, but you get to claim that difference in the tax to boost up your super. So because your I think your income last check was around about the 69,000 mark. Is that pretty accurate?\n\nMhmm. Go for Yep. Okay. And do you think that would be pretty close to the mark for this financial year? Yep.\n\nOkay. I can base it off 74,000. That's no worries at all. Yes. That's right.\n\nThat would be fantastic if you could. 74, Mark. Pretty safe bet. Yeah. That'd be fantastic.\n\nSo I will work off the 74,000 for now. We'll update it slightly once we get that back from you, but that's enough for me to kind of do some updated planning for you. So if you're okay with that strategy, I wanna just kind of ramp that up a little bit where we fill up your pension a bit more, pull a bit more out of super, and put a bit more back in. So what I'll do is I'll do a bit of a double. I'll update a plan for you with what those calculations look like to get you the most benefit.\n\nAnd included in that, I'll do a bit of a retirement projection where we go, okay. Here's a two year plan, twelve months of living off of leave, and then a year of just super, and then how do the funds look from age pension age onwards. Does that sound okay? Perfect. What I'll do alongside that, so when it comes to the other thing that we can do, which is the investments inside the super, You've had a really good return this year even though the markets have kind of gone crazy with the world exploding.\n\nYeah. So you're usually in a balanced risk profile aiming for that kind of 7% average would be really good. Some years higher, some years lower. You've pretty well hit between six and a half and seven and a half percent after fees the last twelve months, so it's still tracking pretty good. What I will do, though, is I have noticed one of the investment options has been dragging its feet a little bit.\n\nSo I'm just going to do a little bit of an update on your portfolio, just a bit of an engine tune up. We'll switch out a couple of options because you have eight. If one or two aren't doing so well, that's not the end of the world, but I would like to just fix that up for you. K? Now we'll ask you one question.\n\nThere's no wrong answers for this. But because Hub twenty four has the most investment options in the industry, I need a way to whittle down their couple of thousand to a couple of options for you. You can choose between low fee funds that follow the market very closely or paying higher fees to try and get a higher return. Which way do you lean between the two? So it's a bit of a blend of both at the moment where that one option that hasn't been doing too well, that's a bit of a higher fee one.\n\nSo I was just wondering if you would consider maybe going for that lower fee option. Cool. So that'll say, yeah, well, when we go through the comparisons and we recommend the options to switch it out from, it's my job and the team's job to research what the best options are in either style. And then from there, I can find you good ones in active or passive, high fee or low fee, but I just wanted to see if you wanted to give that low fee approach a bit of a go. Cool.\n\nSo that will help it as well. So if we tune up the portfolio a little bit, we won't change the risk level at the moment, and we just beef up your recontribution strategy. That should get you the best outcome over the next couple of years. K? Now bear in mind go go for it.\n\nI was just gonna go through a bit of a a risk discussion with you just so I can explain the ins and outs there. But if you had a question first, please, by all means, ask it because this will be a few minutes. Mhmm. Okay. Yes.\n\nAbsolutely. So there's a couple of options. When you fully retire, you will have access to all of your funds. So I'll note down 15 thousand. Well, if you're past the age of 60 and fully retired, then you can access everything.\n\nSo it doesn't really matter past that point as long as you're fully retired. If you're still working part time, then you can only access that 10%. Yep. Now let's just say we're only accessing five percent at the moment, and then you wanna go for a holiday. Well, then you've still got that other 5% that you could access as well.\n\nAre you thinking the holiday at age 65? Perfect. So what that mean? Go for it. Yes.\n\nYeah. I'm gonna double check the rules for you and let you know. But either way, I'll still make it work for you. That's okay. Because what we can do too, like, let's just say it does affect your ability to access all the super.\n\nWell, five to 10% withdrawal is still 17 to over $30,000. So worst case scenario, if you talk to me in, say, May or June, and we say, hey. After July, I wanna go on my holiday and hang up the boots, then I will preplan that with you so the funds are available. K? So I'll note that down.\n\nThank you so much for letting me know that additional expense, and I'll factor that into the plan as well. Perfect. When it comes to your balance risk level, what I do need to let you know is that you usually invest in that medium risk for about seven years. And then when you're three to five years out, we go down to a more moderate risk level. And then when you retire, you go conservative.\n\nNow I don't mind you staying in balance for the extra one or two years and then slowing it down once you retire. But I just wanted to just quickly flag it with you because you've kind of you've kind of hit your goal a little bit. Would you say that you're prioritizing growing it a bit more so than protecting it or protecting it more than growing? Yeah. So our options realistically is we either keep it at the same medium risk level for another year or we start reducing down a little bit further now or we just do that next year.\n\nSo I I don't mind it being in there for maybe another year or so. But like I said, I'm not gonna increase your risk. It's really a discussion about do we keep it medium or go a little bit below medium. So from three out of five to two out of five or something like that. It depends on how close they are to their goal, but most people who are close to their goal will start to reduce the risk down and maybe just do those extra contributions instead.\n\nWhereas people still trying to play catch up need that extra little bit of growth because they don't wanna work past age 67 because they can't afford to. Alright. So I might yeah. Yeah. So that's okay.\n\nLook. You're paying the fees for us to advise you, and that's exactly what I'll do. So I will crunch the numbers and do some projections and see how you're tracking for things. If there is a huge difference where you're just gonna be on track for it no matter what, then I will recommend reducing the risk level down. If it's still a bit of a a medium certainty, then I'll keep it as is for one more year.\n\nSound okay? Yes. Absolutely. I'm gonna do an updated plan for you to show you both the projections and the performance and the updated figures, and then we will run through that together and make sure you're a 100% comfortable. Perfect.\n\nOkay. So I've got everything I need there. Now just bear in mind that because you're sitting at that 350,000, while you're in that moderate to medium growth, you will still be seeing your super go up and down, say, five to 8%, which means that you're still gonna see it moving 10 to $25,000 up and down. So it may go from $3.50 to $3.35, and then it'll be back up to $3.80. That's pretty common.\n\nYep. What we don't want is we don't want this super going from $3.50 to $2.40, and you're like a $100 to have to catch back up over five years. Yep. So I'm gonna try and keep the risk level manageable while still getting that last little bit of grub out of it. Perfect.\n\nI'm just gonna have a quick look. So other details to update, we've got no change in your role, just the income will clarify. No change in address. Your PO box still okay? PO Box 1346.\n\nPerfect. Assets and liabilities, we just had the the car and the credit card. And do you have a a bunch of sort of savings, rainy day funds set aside in case something happens? Yep. Sensational.\n\nAnd so what about cash flow? So when you've been getting these contribution sorry, pension payments out to you and you've been doing the salary sacrifice, how has that been going for your week to week, fortnight to fortnight pay? Has it been okay? Oh, perfect. So it tops it up and then also acts as a bit of forced savings off to the side for you to pull.\n\nYep. Okay. Now do you wanna look at sacrificing more into the super, or should I just keep this top up strategy going where it keeps bringing you back to the same net income? Oh, yes. That is more than okay.\n\nYes. Anytime that can be changed. So another thing that you could even do if this is easier is if you just keep pulling all your cash savings aside, when it gets to that April time, we can look at a one off contribution into super as we get close to the end of financial year. We don't have to do it regularly. We can do a bit of a one off if we need to.\n\nYeah. Yeah. So what work puts in and what your salary is sacrificing, that's all your nice tax deductible. We call them concessional contributions. Now if you pull those two together, what work's paying plus what you're sacrificing, that has a cap of now 32 and a half thousand dollars per year.\n\nSo we've got the difference to make up between what's going in overall and what's left over in your cap. So I'll give you a bit of an example here because I have some percentages in front of me for what you've been putting into super. Just bear with me for one moment. So let's say you're putting in 12,000 into your super in total currently. You still have $20,000 left over of your cap plus everything that you haven't used the last five financial years, which is well over a $100,000.\n\nAnd then even if we exhaust all of that, somehow, we still have a non concessional cap that's a $130,000 per year. So there's oodles of room to make contributions. It's just about your cash flow priorities at the end of the day. K? So at the moment, I will do that net zero strategy where what comes out tops you back up, and then we'll talk around April to make sure if you wanna do an extra little contribution, we can talk then as well.\n\nAmazing. Alrighty. Now that's quite a lot of information. I don't expect you to kind of have all that figured out in your brain because I still have to do some research and put a plan together for you. But does it make sense so far?\n\nNo worries at all. Yeah. And we have to take it seriously because this will be your life in a few years' time, and we do take it seriously to try and get you there with the least risk necessary so you can be on track for your comfortable retirement goal. Alrighty. Do you have any questions for me so far?\n\nI believe so. But after 60, it's all tax free. Oh, a little bit of a difference in terminology. So if they're asking, did you receive an income, I would probably say yes, and then obviously talk to your accountant. It doesn't matter how much we pull out after 60.\n\nIt's all tax free. So whether you pulled out 5,000 or 50,000 doesn't make a difference there. But, yeah, but when you do your tax return, there is a section where they say, hey. Have you put more money in and you wanna claim that as a tax deduction? That's not what you were doing.\n\nK? It's for people who have already put money in from their bank accounts and they wanna claim it. So just be careful with that section of the tax return. That's all. Cool.\n\nYeah. Yeah. So with Matthew and Michelle, I would assume that they they would be over 18, wouldn't they? Yep. So the only unfortunate thing is when when they do the CISACT nominations for who can receive super, they're valid nominations, spouse, children of any age, they count.\n\nBut when they're over 18, they're no longer a tax dependent. So that's why they cop a bit of tax. So what tends to happen is there's a bit of a calculation of the leftover when people receive a taxable portion of your super. I have seen people put money into, like, a testamentary trust. So when they pass away, they will create the trust fund.\n\nAnd that's really good for people underrating because it's kinda like, here's a million dollars. Let's let you live off of it for a while before we just give you a million dollars. But for the adult children, it only really saves them the Medicare rebate of 2%. It doesn't really minimize the tax much. There is something that we can do, and this is probably as far as I'm gonna go today because this will this will melt the brain a little bit.\n\nBut did you remember before how I said there's a different type of cap, a nonconcessional cap? When you hit 65, we can do something called a cash out recontribution, which essentially means pull out the majority of your money out of super and then throw it all back in again as a non concessional contribution so it sits there in the tax free portion. It's essentially washing the funds after the age of 65. Yeah. So my plan for you at the moment is we'll update the the transition pension strategy now.\n\nWhen you hit '65, we will do that recontribution with you. And then '66, '67, you'll be in your full pension retired. So we'll kind of, we've got a three different strategies to do with you every couple of years. K. So leave that with me.\n\nWe don't do it today, but we will do that at sixty five. That is a fantastic question, actually, and they're all brilliant questions. So I've already put in some notes on your file that we're gonna look at one, two, three, and every review, we're just gonna have this discussion. Are we on track? Do we reduce risk?\n\nWhat other strategies should we do? Amazing. Okay. Sensational. So I'm really glad I got you today for this review because it's been an excellent That's okay.\n\nFrom here, so beneficiaries will stay the same. Have you put in place, like, a will or a power of attorney yet? Yep. Okay. So few options.\n\nSome people go to the old $25 will kit from the post office, government approved. Not the fanciest, but they're okay. You've got the solicitors, and you've got the public trustee at the courthouse as well. So there's a few different options for you, but I'll just include a reminder in your plan to to get that sorted at some point. Yep.\n\nAlrighty. We're not doing anything with insurances at the moment. It's really just finishing off the growth of the super, and beneficiaries can stay the way they are. Amazing. So that's pretty much everything that I needed so far.\n\nYou've already signed a service agreement with us. So, yes, perfectly fine, and it's all been applied. So we still have consent on your accounts to be the advisers and look after things. One thing that'll happen next year is we are bringing in a bit of a tiered fee structure so that everyone above 200,000 will start to get some discounts. So once we build all the the financial services guide and paperwork out, that'll be coming down the road next year for you as well.\n\nAlright, Sue. That's amazing. Is there anything else I can help with today? Amazing. So from here, I will go do some research and crunch the numbers with the team.\n\nI will just send out the usual satisfaction survey message to you. And from there, just keep an eye out. We'll probably give you a call in a couple of weeks to book in to go through the updated plan with me. Amazing, Sue. Thank you so much for your time today.\n\nYou have a great week. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Sue.","start":5.8399997,"end":6.48,"sentiment":"neutral","sentiment_score":0.04091818258166313},{"text":"Tommy here, senior adviser.","start":6.48,"end":7.68,"sentiment":"neutral","sentiment_score":0.057831778191030025},{"text":"I work for you.","start":7.68,"end":8.24,"sentiment":"neutral","sentiment_score":0.05347641929984093},{"text":"How are you doing?","start":8.24,"end":8.98,"sentiment":"neutral","sentiment_score":0.09148124605417252},{"text":"I'm doing absolutely fantastic.","start":11.12,"end":12.74,"sentiment":"positive","sentiment_score":0.7444568872451782}],"sentiment":"neutral","sentiment_score":0.21504564935134518,"num_words":18,"start":5.8399997,"end":12.74},{"sentences":[{"text":"It's a beautiful cool end of the day.","start":12.799999,"end":14.639999,"sentiment":"positive","sentiment_score":0.6736988499760628},{"text":"What about your end?","start":14.639999,"end":15.795,"sentiment":"neutral","sentiment_score":0.11190655268728733},{"text":"Amazing.","start":23.955,"end":24.435,"sentiment":"positive","sentiment_score":0.7204031348228455},{"text":"Amazing.","start":24.435,"end":24.935,"sentiment":"positive","sentiment_score":0.6372226476669312},{"text":"Now I'm just gonna go through a bit of an annual review with you just to go through some updates on the super there.","start":25.075,"end":30.42,"sentiment":"neutral","sentiment_score":0.14326736579338709}],"sentiment":"neutral","sentiment_score":0.27982262031812416,"num_words":38,"start":12.799999,"end":30.42},{"sentences":[{"text":"I just wanted to quickly check security with you.","start":31.3,"end":33.86,"sentiment":"neutral","sentiment_score":0.052230810539589986},{"text":"Do you recall your client password with us?","start":33.86,"end":36.92,"sentiment":"neutral","sentiment_score":0.017543983063660562},{"text":"Yes.","start":39.3,"end":39.54,"sentiment":"neutral","sentiment_score":0.0672498568892479},{"text":"It is too.","start":39.54,"end":40.1,"sentiment":"neutral","sentiment_score":0.16033264497915903},{"text":"And how fantastic to be in the top eight all of a sudden.","start":40.1,"end":42.435,"sentiment":"positive","sentiment_score":0.5448293342040136}],"sentiment":"neutral","sentiment_score":0.24239583223072045,"num_words":34,"start":31.3,"end":42.435},{"sentences":[{"text":"It was brilliant.","start":48.675003,"end":49.395,"sentiment":"positive","sentiment_score":0.7405760685602824},{"text":"I had my wife and my my son in the jerseys there cheering him on and looking forward to the finals.","start":49.395,"end":54.695,"sentiment":"positive","sentiment_score":0.3494552366790317},{"text":"They're from Bowen, her family.","start":55.155,"end":57.175003,"sentiment":"neutral","sentiment_score":0.09725592881441117},{"text":"Absolutely.","start":62.050003,"end":62.550003,"sentiment":"neutral","sentiment_score":0.25020506978034973},{"text":"Now I've got there's a little bit of a pack I'm gonna send through to you after this call just with some reports for your own records.","start":63.25,"end":70.31,"sentiment":"neutral","sentiment_score":0.0316467332067313}],"sentiment":"neutral","sentiment_score":0.1956356962521871,"num_words":57,"start":48.675003,"end":70.31},{"sentences":[{"text":"Now before I jump through the review, bit of a details update, options for the super, is there anything in particular you would like to focus on for this call?","start":71.564995,"end":80.545,"sentiment":"neutral","sentiment_score":0.0096908758704861},{"text":"Okay.","start":89.5,"end":90.0,"sentiment":"neutral","sentiment_score":-0.025512635707855225},{"text":"Yeah.","start":139.07999,"end":139.57999,"sentiment":"neutral","sentiment_score":0.009162722155451776},{"text":"Yeah.","start":172.16501,"end":172.645,"sentiment":"neutral","sentiment_score":0.03225621581077576},{"text":"Fantastic, Susan.","start":172.645,"end":173.60501,"sentiment":"positive","sentiment_score":0.6675693392753601}],"sentiment":"neutral","sentiment_score":0.0469077501978193,"num_words":35,"start":71.564995,"end":173.60501},{"sentences":[{"text":"I love these questions.","start":173.60501,"end":174.40501,"sentiment":"positive","sentiment_score":0.7103081941604614},{"text":"This is brilliant because I've got a whole plan in mind for you, and I wanna kinda just work through a few options for you.","start":174.40501,"end":180.005,"sentiment":"positive","sentiment_score":0.5464080446958541},{"text":"So when it comes to that two year period, so in two years' time, twelve months of leave and then twelve months of super only, bit of a combination of part time work, age pension mixed in, it's actually looking pretty, pretty good.","start":180.005,"end":196.385,"sentiment":"neutral","sentiment_score":0.13728376850485802},{"text":"So when I look at total balances, I've got a retirement goal here from you that you're probably only aiming for about $500 a week after tax to live on.","start":197.645,"end":209.78001,"sentiment":"neutral","sentiment_score":0.0683810727049907},{"text":"Does that still sound okay?","start":209.78001,"end":211.24,"sentiment":"neutral","sentiment_score":0.07925006449222564}],"sentiment":"neutral","sentiment_score":0.23226465834913967,"num_words":107,"start":173.60501,"end":211.24},{"sentences":[{"text":"Perfect.","start":214.66,"end":215.14001,"sentiment":"neutral","sentiment_score":0.22750665247440335},{"text":"So when you retire and you've got all your super just sitting there, let's just say you're only relying on your super, you still haven't invested conservatively.","start":215.14001,"end":223.49501,"sentiment":"neutral","sentiment_score":0.08445103687268717},{"text":"So it's trying to generate a little bit of a return.","start":223.875,"end":226.375,"sentiment":"neutral","sentiment_score":0.12875045598907905},{"text":"Kinda like money in the bank, it's trying to earn its four or 5%.","start":226.835,"end":231.175,"sentiment":"neutral","sentiment_score":0.10348225704261235},{"text":"When you retire, you're not trying to aim for, you know, 20%.","start":231.315,"end":234.755,"sentiment":"neutral","sentiment_score":0.09627603739500046}],"sentiment":"neutral","sentiment_score":0.10043082632697546,"num_words":65,"start":214.66,"end":234.755},{"sentences":[{"text":"You're not trying to aim for high risk.","start":234.755,"end":236.28,"sentiment":"neutral","sentiment_score":0.019298016093671322},{"text":"Does that make sense?","start":236.36,"end":238.42,"sentiment":"neutral","sentiment_score":0.06984313111752272},{"text":"So what happens is if you can put it in something conservative where it pays 5%, but then you pull out 5% to live off, then the money's not gonna go down.","start":239.08,"end":249.735,"sentiment":"neutral","sentiment_score":0.04898538514680695},{"text":"So if you earn 20,000, pull out 20,000, the super is just gonna last until age 90, 100, 100 and 20, however long.","start":251.495,"end":259.595,"sentiment":"neutral","sentiment_score":0.17836947123641553},{"text":"If you need to pull out more than 5%, it will slowly go down and eventually run out.","start":260.055,"end":265.80002,"sentiment":"neutral","sentiment_score":0.04396157132254706}],"sentiment":"neutral","sentiment_score":0.0811187658842434,"num_words":85,"start":234.755,"end":265.80002},{"sentences":[{"text":"Does that make sense?","start":265.80002,"end":266.78,"sentiment":"neutral","sentiment_score":0.11401011236011982},{"text":"So for a $500 a week goal, you essentially need 520,000 to be perfectly okay no matter what or at minimum, 260,000.","start":268.44,"end":280.835,"sentiment":"neutral","sentiment_score":0.146486066959121},{"text":"So 260,000 would see it last until just after life expectancy because the pension will kick in as well, and that should last until age, say, 92.","start":282.655,"end":293.89,"sentiment":"neutral","sentiment_score":0.1413779413258588},{"text":"And you're sitting with 350,000 in total currently.","start":295.31,"end":298.45,"sentiment":"neutral","sentiment_score":0.07159033184871078},{"text":"So what that basically means is we do just have these last couple of years to get a little bit more growth out of it, a little bit more contributions, and then you may only need to pull out six or 7%.","start":300.27,"end":311.035,"sentiment":"neutral","sentiment_score":0.1896789614998159}],"sentiment":"neutral","sentiment_score":0.15568133374875032,"num_words":103,"start":265.80002,"end":311.035},{"sentences":[{"text":"It'll slowly go down, but not until it won't run out until you're over a 100.","start":311.17502,"end":314.95502,"sentiment":"neutral","sentiment_score":0.08032933296635747},{"text":"Okay?","start":317.03,"end":317.43,"sentiment":"neutral","sentiment_score":0.1289239227771759},{"text":"So tracking very, very well, but there are a number of things that we can do.","start":317.43,"end":321.21,"sentiment":"positive","sentiment_score":0.35549272783100605},{"text":"The first thing is I wouldn't take on more risk because you're already sitting kind of medium at the moment.","start":323.11,"end":328.97,"sentiment":"neutral","sentiment_score":-0.05114986840635538},{"text":"You're in a balanced fund.","start":329.025,"end":330.465,"sentiment":"neutral","sentiment_score":0.0785490021109581}],"sentiment":"neutral","sentiment_score":0.11158318168901164,"num_words":58,"start":311.17502,"end":330.465},{"sentences":[{"text":"It's kind of right in the middle.","start":330.465,"end":332.085,"sentiment":"neutral","sentiment_score":0.0814587649490152},{"text":"Now if I yeah.","start":333.345,"end":339.425,"sentiment":"neutral","sentiment_score":0.04781306907534599},{"text":"Because if you bumped it up in risk level, let's say the stock market crashes next year, you could lose 40% of the super just before you start living off of it.","start":339.425,"end":351.28,"sentiment":"negative","sentiment_score":-0.36181899625808},{"text":"And we don't want that to happen because that's probably you've spent all this time building it up.","start":352.94,"end":357.63498,"sentiment":"neutral","sentiment_score":-0.17064601182937622},{"text":"Let's actually protect it.","start":357.63498,"end":359.175,"sentiment":"neutral","sentiment_score":-0.022749044932425022}],"sentiment":"neutral","sentiment_score":-0.21506720987650063,"num_words":65,"start":330.465,"end":359.175},{"sentences":[{"text":"K?","start":360.75497,"end":361.25497,"sentiment":"neutral","sentiment_score":-0.053273510187864304},{"text":"Now you're in a transition to retirement strategy at the moment with the pension and the super and the contributions.","start":361.315,"end":367.815,"sentiment":"neutral","sentiment_score":0.18551098480820655},{"text":"Does all that ring a bell?","start":367.875,"end":369.03,"sentiment":"neutral","sentiment_score":0.18657954533894858},{"text":"So because you've been doing all those extra contributions, we can well, I'll break it down for a quick second.","start":370.71,"end":376.79,"sentiment":"neutral","sentiment_score":0.31471282094717024},{"text":"You've got a 140,000 in your super account, and the rest of it, 212,000 that's sitting in your pension account.","start":376.79,"end":385.095,"sentiment":"neutral","sentiment_score":0.310956172645092}],"sentiment":"neutral","sentiment_score":0.2580567661172418,"num_words":67,"start":360.75497,"end":385.095},{"sentences":[{"text":"So we could essentially pull more money across from your super account, give you a bigger pension account, which allows you to pull more out and do more contributions back in.","start":386.995,"end":398.91,"sentiment":"positive","sentiment_score":0.4553270868716701},{"text":"Do you remember that strategy of, like, you put it in salary sacrifice?","start":400.81,"end":404.51,"sentiment":"neutral","sentiment_score":0.10667474969075276},{"text":"It's only taxed at 15%, but you get to claim that difference in the tax to boost up your super.","start":404.88998,"end":411.15,"sentiment":"neutral","sentiment_score":0.24114301055669785},{"text":"So because your I think your income last check was around about the 69,000 mark.","start":413.67502,"end":418.39502,"sentiment":"neutral","sentiment_score":0.2163428763548533},{"text":"Is that pretty accurate?","start":418.39502,"end":419.45502,"sentiment":"neutral","sentiment_score":0.2230168804526329}],"sentiment":"neutral","sentiment_score":0.29472267852131145,"num_words":83,"start":386.995,"end":419.45502},{"sentences":[{"text":"Mhmm.","start":422.555,"end":423.055,"sentiment":"neutral","sentiment_score":0.06823757290840149},{"text":"Go for Yep.","start":423.195,"end":432.75,"sentiment":"neutral","sentiment_score":0.08220063646634419},{"text":"Okay.","start":439.465,"end":439.785,"sentiment":"neutral","sentiment_score":0.10763036459684372},{"text":"And do you think that would be pretty close to the mark for this financial year?","start":439.785,"end":443.48502,"sentiment":"neutral","sentiment_score":0.12415271927602589},{"text":"Yep.","start":450.6,"end":451.1,"sentiment":"neutral","sentiment_score":0.05776471644639969}],"sentiment":"neutral","sentiment_score":0.1121217305348678,"num_words":22,"start":422.555,"end":451.1},{"sentences":[{"text":"Okay.","start":463.015,"end":463.495,"sentiment":"neutral","sentiment_score":0.15047559142112732},{"text":"I can base it off 74,000.","start":463.495,"end":465.335,"sentiment":"neutral","sentiment_score":0.20559991896152496},{"text":"That's no worries at all.","start":465.335,"end":466.635,"sentiment":"positive","sentiment_score":0.37972078323364256},{"text":"Yes.","start":482.15,"end":482.55,"sentiment":"neutral","sentiment_score":0.1971108466386795},{"text":"That's right.","start":482.55,"end":483.37,"sentiment":"neutral","sentiment_score":0.15054182708263397}],"sentiment":"neutral","sentiment_score":0.2520582348108292,"num_words":15,"start":463.015,"end":483.37},{"sentences":[{"text":"That would be fantastic if you could.","start":505.94,"end":508.035,"sentiment":"positive","sentiment_score":0.6803019727979388},{"text":"74, Mark.","start":522.52997,"end":523.41,"sentiment":"neutral","sentiment_score":0.08718515560030937},{"text":"Pretty safe bet.","start":523.41,"end":524.39,"sentiment":"neutral","sentiment_score":0.2584853818019231},{"text":"Yeah.","start":528.29,"end":528.61,"sentiment":"neutral","sentiment_score":0.3186386525630951},{"text":"That'd be fantastic.","start":528.61,"end":529.51,"sentiment":"positive","sentiment_score":0.6760857899983724}],"sentiment":"positive","sentiment_score":0.5036772680468857,"num_words":16,"start":505.94,"end":529.51},{"sentences":[{"text":"So I will work off the 74,000 for now.","start":529.73,"end":532.815,"sentiment":"positive","sentiment_score":0.3543480667803023},{"text":"We'll update it slightly once we get that back from you, but that's enough for me to kind of do some updated planning for you.","start":532.895,"end":539.315,"sentiment":"positive","sentiment_score":0.33494503259658814},{"text":"So if you're okay with that strategy, I wanna just kind of ramp that up a little bit where we fill up your pension a bit more, pull a bit more out of super, and put a bit more back in.","start":541.295,"end":551.76,"sentiment":"neutral","sentiment_score":0.18574684458534893},{"text":"So what I'll do is I'll do a bit of a double.","start":553.58,"end":556.16,"sentiment":"neutral","sentiment_score":0.16002381344636282},{"text":"I'll update a plan for you with what those calculations look like to get you the most benefit.","start":556.3,"end":561.2,"sentiment":"neutral","sentiment_score":0.23270203504297468}],"sentiment":"neutral","sentiment_score":0.2408314422482536,"num_words":105,"start":529.73,"end":561.2},{"sentences":[{"text":"And included in that, I'll do a bit of a retirement projection where we go, okay.","start":561.46497,"end":566.685,"sentiment":"neutral","sentiment_score":0.16000432008877397},{"text":"Here's a two year plan, twelve months of living off of leave, and then a year of just super, and then how do the funds look from age pension age onwards.","start":566.90497,"end":578.38,"sentiment":"neutral","sentiment_score":0.1186850066146543},{"text":"Does that sound okay?","start":578.44,"end":579.5,"sentiment":"neutral","sentiment_score":0.12364741042256355},{"text":"Perfect.","start":581.32,"end":581.82,"sentiment":"positive","sentiment_score":0.34757566452026367},{"text":"What I'll do alongside that, so when it comes to the other thing that we can do, which is the investments inside the super, You've had a really good return this year even though the markets have kind of gone crazy with the world exploding.","start":581.88,"end":594.835,"sentiment":"neutral","sentiment_score":0.12252275927199258}],"sentiment":"neutral","sentiment_score":0.12984529690644175,"num_words":97,"start":561.46497,"end":594.835},{"sentences":[{"text":"Yeah.","start":598.175,"end":598.675,"sentiment":"neutral","sentiment_score":0.08318625390529633},{"text":"So you're usually in a balanced risk profile aiming for that kind of 7% average would be really good.","start":598.815,"end":605.70996,"sentiment":"neutral","sentiment_score":0.17865581653620066},{"text":"Some years higher, some years lower.","start":605.85,"end":607.61,"sentiment":"neutral","sentiment_score":0.010341595547894636},{"text":"You've pretty well hit between six and a half and seven and a half percent after fees the last twelve months, so it's still tracking pretty good.","start":607.61,"end":615.195,"sentiment":"positive","sentiment_score":0.464707891146342},{"text":"What I will do, though, is I have noticed one of the investment options has been dragging its feet a little bit.","start":617.835,"end":623.055,"sentiment":"neutral","sentiment_score":-0.17767937210473148}],"sentiment":"neutral","sentiment_score":0.1623715095470349,"num_words":75,"start":598.175,"end":623.055},{"sentences":[{"text":"So I'm just going to do a little bit of an update on your portfolio, just a bit of an engine tune up.","start":623.195,"end":629.03503,"sentiment":"neutral","sentiment_score":0.0021921855438014736},{"text":"We'll switch out a couple of options because you have eight.","start":629.03503,"end":631.87,"sentiment":"neutral","sentiment_score":-0.04706412994048812},{"text":"If one or two aren't doing so well, that's not the end of the world, but I would like to just fix that up for you.","start":631.93,"end":636.91,"sentiment":"neutral","sentiment_score":-0.1353146625825992},{"text":"K?","start":638.89,"end":639.29,"sentiment":"neutral","sentiment_score":0.1784026324748993},{"text":"Now we'll ask you one question.","start":639.29,"end":640.65,"sentiment":"neutral","sentiment_score":0.043656512474020324}],"sentiment":"neutral","sentiment_score":-0.05291230868158946,"num_words":67,"start":623.195,"end":640.65},{"sentences":[{"text":"There's no wrong answers for this.","start":640.65,"end":642.35,"sentiment":"neutral","sentiment_score":-0.001666169458379348},{"text":"But because Hub twenty four has the most investment options in the industry, I need a way to whittle down their couple of thousand to a couple of options for you.","start":642.41,"end":652.015,"sentiment":"neutral","sentiment_score":0.05173099822094364},{"text":"You can choose between low fee funds that follow the market very closely or paying higher fees to try and get a higher return.","start":653.435,"end":662.55,"sentiment":"neutral","sentiment_score":0.09115944911415379},{"text":"Which way do you lean between the two?","start":662.77,"end":664.71,"sentiment":"neutral","sentiment_score":0.017942355712875724},{"text":"So it's a bit of a blend of both at the moment where that one option that hasn't been doing too well, that's a bit of a higher fee one.","start":671.25,"end":677.875,"sentiment":"neutral","sentiment_score":-0.11544434813161691}],"sentiment":"neutral","sentiment_score":0.004663627359526928,"num_words":99,"start":640.65,"end":677.875},{"sentences":[{"text":"So I was just wondering if you would consider maybe going for that lower fee option.","start":677.875,"end":681.655,"sentiment":"neutral","sentiment_score":-0.07586863823235035},{"text":"Cool.","start":684.275,"end":684.515,"sentiment":"neutral","sentiment_score":0.1817564070224762},{"text":"So that'll say, yeah, well, when we go through the comparisons and we recommend the options to switch it out from, it's my job and the team's job to research what the best options are in either style.","start":684.515,"end":697.59,"sentiment":"neutral","sentiment_score":0.12507254140157448},{"text":"And then from there, I can find you good ones in active or passive, high fee or low fee, but I just wanted to see if you wanted to give that low fee approach a bit of a go.","start":698.945,"end":707.685,"sentiment":"neutral","sentiment_score":0.21803154509801131},{"text":"Cool.","start":709.92,"end":710.42,"sentiment":"positive","sentiment_score":0.4277723431587219}],"sentiment":"neutral","sentiment_score":0.13317491968995646,"num_words":95,"start":677.875,"end":710.42},{"sentences":[{"text":"So that will help it as well.","start":710.72,"end":712.0,"sentiment":"positive","sentiment_score":0.3577556514314243},{"text":"So if we tune up the portfolio a little bit, we won't change the risk level at the moment, and we just beef up your recontribution strategy.","start":712.0,"end":720.74,"sentiment":"neutral","sentiment_score":0.16472299935089219},{"text":"That should get you the best outcome over the next couple of years.","start":720.88,"end":723.86,"sentiment":"positive","sentiment_score":0.3791562123940541},{"text":"K?","start":726.165,"end":726.665,"sentiment":"positive","sentiment_score":0.4895978271961212},{"text":"Now bear in mind go go for it.","start":727.84503,"end":730.265,"sentiment":"positive","sentiment_score":0.44091425091028214}],"sentiment":"neutral","sentiment_score":0.28388844889455606,"num_words":56,"start":710.72,"end":730.265},{"sentences":[{"text":"I was just gonna go through a bit of a a risk discussion with you just so I can explain the ins and outs there.","start":733.125,"end":738.81,"sentiment":"neutral","sentiment_score":0.056105480343103406},{"text":"But if you had a question first, please, by all means, ask it because this will be a few minutes.","start":739.05,"end":743.23,"sentiment":"neutral","sentiment_score":0.027067569456994532},{"text":"Mhmm.","start":750.17,"end":750.67,"sentiment":"neutral","sentiment_score":-0.026235532015562057},{"text":"Okay.","start":754.505,"end":755.005,"sentiment":"neutral","sentiment_score":-0.010298483073711395},{"text":"Yes.","start":781.89496,"end":782.39496,"sentiment":"neutral","sentiment_score":0.09563586115837096}],"sentiment":"neutral","sentiment_score":0.04173104674555361,"num_words":48,"start":733.125,"end":782.39496},{"sentences":[{"text":"Absolutely.","start":782.45496,"end":782.95496,"sentiment":"neutral","sentiment_score":0.12326233088970184},{"text":"So there's a couple of options.","start":783.175,"end":785.51495,"sentiment":"neutral","sentiment_score":0.10815216352542241},{"text":"When you fully retire, you will have access to all of your funds.","start":787.11,"end":791.61,"sentiment":"neutral","sentiment_score":0.06438609212636948},{"text":"So I'll note down 15 thousand.","start":794.07,"end":796.08997,"sentiment":"neutral","sentiment_score":0.007100271061062813},{"text":"Well, if you're past the age of 60 and fully retired, then you can access everything.","start":803.125,"end":807.945,"sentiment":"neutral","sentiment_score":0.023141436434343632}],"sentiment":"neutral","sentiment_score":0.04814426473811701,"num_words":42,"start":782.45496,"end":807.945},{"sentences":[{"text":"So it doesn't really matter past that point as long as you're fully retired.","start":809.365,"end":813.22504,"sentiment":"neutral","sentiment_score":0.005697091026896877},{"text":"If you're still working part time, then you can only access that 10%.","start":813.45996,"end":817.95996,"sentiment":"neutral","sentiment_score":0.00597150487681994},{"text":"Yep.","start":820.18,"end":820.68,"sentiment":"neutral","sentiment_score":0.050399746745824814},{"text":"Now let's just say we're only accessing five percent at the moment, and then you wanna go for a holiday.","start":820.98,"end":826.5,"sentiment":"neutral","sentiment_score":0.05577693674713373},{"text":"Well, then you've still got that other 5% that you could access as well.","start":826.5,"end":832.445,"sentiment":"neutral","sentiment_score":0.10166487683142934}],"sentiment":"neutral","sentiment_score":0.044300574114576226,"num_words":62,"start":809.365,"end":832.445},{"sentences":[{"text":"Are you thinking the holiday at age 65?","start":832.445,"end":835.025,"sentiment":"neutral","sentiment_score":0.05335952097084373},{"text":"Perfect.","start":848.46,"end":848.96,"sentiment":"positive","sentiment_score":0.609373927116394},{"text":"So what that mean?","start":850.94,"end":852.32,"sentiment":"neutral","sentiment_score":0.007289246656000614},{"text":"Go for it.","start":853.195,"end":859.45496,"sentiment":"neutral","sentiment_score":-0.008365684499343237},{"text":"Yes.","start":863.595,"end":864.095,"sentiment":"neutral","sentiment_score":0.03014453873038292}],"sentiment":"neutral","sentiment_score":0.0629679156905588,"num_words":17,"start":832.445,"end":864.095},{"sentences":[{"text":"Yeah.","start":877.065,"end":877.385,"sentiment":"neutral","sentiment_score":0.06404361128807068},{"text":"I'm gonna double check the rules for you and let you know.","start":877.385,"end":880.425,"sentiment":"neutral","sentiment_score":0.08256798672179382},{"text":"But either way, I'll still make it work for you.","start":880.425,"end":883.005,"sentiment":"neutral","sentiment_score":0.17033811882138253},{"text":"That's okay.","start":887.945,"end":888.505,"sentiment":"positive","sentiment_score":0.38299258053302765},{"text":"Because what we can do too, like, let's just say it does affect your ability to access all the super.","start":888.505,"end":893.27,"sentiment":"neutral","sentiment_score":0.06181239485740662}],"sentiment":"neutral","sentiment_score":0.10578830440839132,"num_words":45,"start":877.065,"end":893.27},{"sentences":[{"text":"Well, five to 10% withdrawal is still 17 to over $30,000.","start":893.57,"end":898.71,"sentiment":"neutral","sentiment_score":0.015512603081085465},{"text":"So worst case scenario, if you talk to me in, say, May or June, and we say, hey.","start":899.01,"end":905.75,"sentiment":"neutral","sentiment_score":0.0030972292232844564},{"text":"After July, I wanna go on my holiday and hang up the boots, then I will preplan that with you so the funds are available.","start":906.105,"end":913.08496,"sentiment":"neutral","sentiment_score":0.07290266849100589},{"text":"K?","start":915.305,"end":915.705,"sentiment":"neutral","sentiment_score":0.122163288295269},{"text":"So I'll note that down.","start":915.705,"end":916.58496,"sentiment":"neutral","sentiment_score":0.07501005977392197}],"sentiment":"neutral","sentiment_score":0.042436150989184775,"num_words":60,"start":893.57,"end":916.58496},{"sentences":[{"text":"Thank you so much for letting me know that additional expense, and I'll factor that into the plan as well.","start":916.58496,"end":922.27,"sentiment":"neutral","sentiment_score":0.26152999699115753},{"text":"Perfect.","start":925.13,"end":925.63,"sentiment":"positive","sentiment_score":0.366377055644989},{"text":"When it comes to your balance risk level, what I do need to let you know is that you usually invest in that medium risk for about seven years.","start":926.09,"end":935.615,"sentiment":"neutral","sentiment_score":0.08022600553672889},{"text":"And then when you're three to five years out, we go down to a more moderate risk level.","start":935.915,"end":940.65497,"sentiment":"neutral","sentiment_score":0.07448967980841796},{"text":"And then when you retire, you go conservative.","start":940.71497,"end":942.815,"sentiment":"neutral","sentiment_score":0.06125671323388815}],"sentiment":"neutral","sentiment_score":0.12834735655863033,"num_words":76,"start":916.58496,"end":942.815},{"sentences":[{"text":"Now I don't mind you staying in balance for the extra one or two years and then slowing it down once you retire.","start":944.07495,"end":952.35,"sentiment":"neutral","sentiment_score":0.10043426603078842},{"text":"But I just wanted to just quickly flag it with you because you've kind of you've kind of hit your goal a little bit.","start":952.49,"end":958.43,"sentiment":"neutral","sentiment_score":0.19749569551398358},{"text":"Would you say that you're prioritizing growing it a bit more so than protecting it or protecting it more than growing?","start":959.37,"end":966.515,"sentiment":"neutral","sentiment_score":0.017137810587882996},{"text":"Yeah.","start":982.27,"end":982.59,"sentiment":"neutral","sentiment_score":-0.03287326544523239},{"text":"So our options realistically is we either keep it at the same medium risk level for another year or we start reducing down a little bit further now or we just do that next year.","start":982.59,"end":995.035,"sentiment":"neutral","sentiment_score":-0.015515529470784323}],"sentiment":"neutral","sentiment_score":0.06571021188910191,"num_words":104,"start":944.07495,"end":995.035},{"sentences":[{"text":"So I I don't mind it being in there for maybe another year or so.","start":995.33496,"end":998.63495,"sentiment":"neutral","sentiment_score":-0.07319007441401482},{"text":"But like I said, I'm not gonna increase your risk.","start":999.01495,"end":1001.815,"sentiment":"neutral","sentiment_score":-0.1720463562756777},{"text":"It's really a discussion about do we keep it medium or go a little bit below medium.","start":1001.815,"end":1006.02997,"sentiment":"neutral","sentiment_score":-0.08425201168831657},{"text":"So from three out of five to two out of five or something like that.","start":1006.02997,"end":1009.81,"sentiment":"neutral","sentiment_score":-0.02817753404378891},{"text":"It depends on how close they are to their goal, but most people who are close to their goal will start to reduce the risk down and maybe just do those extra contributions instead.","start":1038.14,"end":1047.175,"sentiment":"neutral","sentiment_score":-0.03541388110641171}],"sentiment":"neutral","sentiment_score":-0.06458608621915618,"num_words":91,"start":995.33496,"end":1047.175},{"sentences":[{"text":"Whereas people still trying to play catch up need that extra little bit of growth because they don't wanna work past age 67 because they can't afford to.","start":1047.555,"end":1055.895,"sentiment":"neutral","sentiment_score":-0.17367981933057308},{"text":"Alright.","start":1059.25,"end":1059.57,"sentiment":"neutral","sentiment_score":-0.012943729758262634},{"text":"So I might yeah.","start":1059.57,"end":1061.75,"sentiment":"neutral","sentiment_score":-0.1541912853717804},{"text":"Yeah.","start":1078.5449,"end":1079.0449,"sentiment":"neutral","sentiment_score":-0.13474534451961517},{"text":"So that's okay.","start":1079.585,"end":1083.94,"sentiment":"neutral","sentiment_score":-0.3321887006362279}],"sentiment":"neutral","sentiment_score":-0.1790285205116143,"num_words":37,"start":1047.555,"end":1083.94},{"sentences":[{"text":"Look.","start":1084.16,"end":1084.5599,"sentiment":"neutral","sentiment_score":-0.09592458605766296},{"text":"You're paying the fees for us to advise you, and that's exactly what I'll do.","start":1084.5599,"end":1088.08,"sentiment":"neutral","sentiment_score":0.12373712062835693},{"text":"So I will crunch the numbers and do some projections and see how you're tracking for things.","start":1088.08,"end":1092.74,"sentiment":"neutral","sentiment_score":0.05945121299694566},{"text":"If there is a huge difference where you're just gonna be on track for it no matter what, then I will recommend reducing the risk level down.","start":1093.9451,"end":1101.485,"sentiment":"neutral","sentiment_score":0.0131833892384613},{"text":"If it's still a bit of a a medium certainty, then I'll keep it as is for one more year.","start":1101.625,"end":1106.4451,"sentiment":"neutral","sentiment_score":0.044246595725417136}],"sentiment":"neutral","sentiment_score":0.05014607835328207,"num_words":80,"start":1084.16,"end":1106.4451},{"sentences":[{"text":"Sound okay?","start":1108.38,"end":1109.2,"sentiment":"neutral","sentiment_score":0.14464029297232628},{"text":"Yes.","start":1116.7799,"end":1117.2799,"sentiment":"neutral","sentiment_score":0.23162057995796204},{"text":"Absolutely.","start":1117.58,"end":1118.08,"sentiment":"neutral","sentiment_score":0.32655900716781616},{"text":"I'm gonna do an updated plan for you to show you both the projections and the performance and the updated figures, and then we will run through that together and make sure you're a 100% comfortable.","start":1118.14,"end":1127.9451,"sentiment":"neutral","sentiment_score":0.19171219567457834},{"text":"Perfect.","start":1130.005,"end":1130.505,"sentiment":"positive","sentiment_score":0.5465397834777832}],"sentiment":"neutral","sentiment_score":0.20233265855690327,"num_words":41,"start":1108.38,"end":1130.505},{"sentences":[{"text":"Okay.","start":1130.5651,"end":1131.0651,"sentiment":"neutral","sentiment_score":0.25991806387901306},{"text":"So I've got everything I need there.","start":1131.365,"end":1133.305,"sentiment":"neutral","sentiment_score":0.1823952772787639},{"text":"Now just bear in mind that because you're sitting at that 350,000, while you're in that moderate to medium growth, you will still be seeing your super go up and down, say, five to 8%, which means that you're still gonna see it moving 10 to $25,000 up and down.","start":1134.165,"end":1153.845,"sentiment":"neutral","sentiment_score":0.046431569457054137},{"text":"So it may go from $3.50 to $3.35, and then it'll be back up to $3.80.","start":1155.9249,"end":1160.4249,"sentiment":"neutral","sentiment_score":-0.01216644566738978},{"text":"That's pretty common.","start":1160.645,"end":1161.865,"sentiment":"neutral","sentiment_score":-0.010137985150019327}],"sentiment":"neutral","sentiment_score":0.04718423885136069,"num_words":77,"start":1130.5651,"end":1161.865},{"sentences":[{"text":"Yep.","start":1163.845,"end":1164.345,"sentiment":"neutral","sentiment_score":0.01598403975367546},{"text":"What we don't want is we don't want this super going from $3.50 to $2.40, and you're like a $100 to have to catch back up over five years.","start":1164.965,"end":1173.98,"sentiment":"neutral","sentiment_score":-0.07672068412447798},{"text":"Yep.","start":1175.88,"end":1176.38,"sentiment":"neutral","sentiment_score":0.07116422057151794},{"text":"So I'm gonna try and keep the risk level manageable while still getting that last little bit of grub out of it.","start":1177.16,"end":1182.8451,"sentiment":"neutral","sentiment_score":-0.0069173074920069084},{"text":"Perfect.","start":1185.305,"end":1185.805,"sentiment":"neutral","sentiment_score":0.07945884764194489}],"sentiment":"neutral","sentiment_score":-0.04093469437901621,"num_words":54,"start":1163.845,"end":1185.805},{"sentences":[{"text":"I'm just gonna have a quick look.","start":1186.3451,"end":1187.8651,"sentiment":"neutral","sentiment_score":0.028149844812495366},{"text":"So other details to update, we've got no change in your role, just the income will clarify.","start":1187.8651,"end":1194.59,"sentiment":"neutral","sentiment_score":0.006157827426624649},{"text":"No change in address.","start":1197.21,"end":1198.97,"sentiment":"neutral","sentiment_score":-0.006939701037481427},{"text":"Your PO box still okay?","start":1198.97,"end":1200.73,"sentiment":"neutral","sentiment_score":0.014727661572396755},{"text":"PO Box 1346.","start":1200.73,"end":1202.35,"sentiment":"neutral","sentiment_score":0.0101252895159026}],"sentiment":"neutral","sentiment_score":0.010499648672218123,"num_words":36,"start":1186.3451,"end":1202.35},{"sentences":[{"text":"Perfect.","start":1204.8099,"end":1205.3099,"sentiment":"positive","sentiment_score":0.543196976184845},{"text":"Assets and liabilities, we just had the the car and the credit card.","start":1206.4249,"end":1210.125,"sentiment":"neutral","sentiment_score":0.2086502989897361},{"text":"And do you have a a bunch of sort of savings, rainy day funds set aside in case something happens?","start":1212.345,"end":1218.605,"sentiment":"neutral","sentiment_score":0.13365585468709468},{"text":"Yep.","start":1222.96,"end":1223.46,"sentiment":"neutral","sentiment_score":0.17215661704540253},{"text":"Sensational.","start":1223.6799,"end":1224.1799,"sentiment":"neutral","sentiment_score":0.23770904541015625}],"sentiment":"neutral","sentiment_score":0.17607315609024632,"num_words":36,"start":1204.8099,"end":1224.1799},{"sentences":[{"text":"And so what about cash flow?","start":1224.9199,"end":1230.58,"sentiment":"neutral","sentiment_score":0.09448690836628278},{"text":"So when you've been getting these contribution sorry, pension payments out to you and you've been doing the salary sacrifice, how has that been going for your week to week, fortnight to fortnight pay?","start":1230.72,"end":1240.775,"sentiment":"neutral","sentiment_score":0.0938643446082578},{"text":"Has it been okay?","start":1240.775,"end":1241.755,"sentiment":"neutral","sentiment_score":0.08953030221164227},{"text":"Oh, perfect.","start":1260.8049,"end":1261.2849,"sentiment":"positive","sentiment_score":0.43278053402900696},{"text":"So it tops it up and then also acts as a bit of forced savings off to the side for you to pull.","start":1261.2849,"end":1266.585,"sentiment":"neutral","sentiment_score":0.28807860483293946}],"sentiment":"neutral","sentiment_score":0.1682289761585602,"num_words":69,"start":1224.9199,"end":1266.585},{"sentences":[{"text":"Yep.","start":1267.205,"end":1267.705,"sentiment":"neutral","sentiment_score":0.11156965792179108},{"text":"Okay.","start":1267.845,"end":1268.345,"sentiment":"neutral","sentiment_score":0.10917966812849043},{"text":"Now do you wanna look at sacrificing more into the super, or should I just keep this top up strategy going where it keeps bringing you back to the same net income?","start":1269.16,"end":1279.1,"sentiment":"neutral","sentiment_score":0.07345320272725075},{"text":"Oh, yes.","start":1295.51,"end":1296.25,"sentiment":"neutral","sentiment_score":0.07727747038006783},{"text":"That is more than okay.","start":1324.5801,"end":1326.92,"sentiment":"neutral","sentiment_score":-0.0498907208442688}],"sentiment":"neutral","sentiment_score":0.0603988573136853,"num_words":41,"start":1267.205,"end":1326.92},{"sentences":[{"text":"Yes.","start":1327.4601,"end":1327.9601,"sentiment":"neutral","sentiment_score":0.22419732809066772},{"text":"Anytime that can be changed.","start":1328.18,"end":1329.6201,"sentiment":"neutral","sentiment_score":0.2141609162092209},{"text":"So another thing that you could even do if this is easier is if you just keep pulling all your cash savings aside, when it gets to that April time, we can look at a one off contribution into super as we get close to the end of financial year.","start":1329.6201,"end":1343.7849,"sentiment":"neutral","sentiment_score":0.2608639931678772},{"text":"We don't have to do it regularly.","start":1343.7849,"end":1345.4049,"sentiment":"neutral","sentiment_score":0.09075263887643814},{"text":"We can do a bit of a one off if we need to.","start":1345.705,"end":1348.11,"sentiment":"neutral","sentiment_score":0.22388690824692065}],"sentiment":"neutral","sentiment_score":0.23531578745889037,"num_words":76,"start":1327.4601,"end":1348.11},{"sentences":[{"text":"Yeah.","start":1360.445,"end":1360.685,"sentiment":"neutral","sentiment_score":0.10092037916183472},{"text":"Yeah.","start":1360.685,"end":1361.085,"sentiment":"neutral","sentiment_score":0.1203618049621582},{"text":"So what work puts in and what your salary is sacrificing, that's all your nice tax deductible.","start":1361.085,"end":1366.865,"sentiment":"neutral","sentiment_score":0.1596735268831253},{"text":"We call them concessional contributions.","start":1367.005,"end":1368.865,"sentiment":"neutral","sentiment_score":0.138472318649292},{"text":"Now if you pull those two together, what work's paying plus what you're sacrificing, that has a cap of now 32 and a half thousand dollars per year.","start":1370.285,"end":1379.43,"sentiment":"neutral","sentiment_score":-0.021038168176476444}],"sentiment":"neutral","sentiment_score":0.058442788950812355,"num_words":52,"start":1360.445,"end":1379.43},{"sentences":[{"text":"So we've got the difference to make up between what's going in overall and what's left over in your cap.","start":1379.81,"end":1386.39,"sentiment":"neutral","sentiment_score":0.007151163648813963},{"text":"So I'll give you a bit of an example here because I have some percentages in front of me for what you've been putting into super.","start":1389.185,"end":1395.765,"sentiment":"neutral","sentiment_score":0.06566086712364967},{"text":"Just bear with me for one moment.","start":1396.305,"end":1397.925,"sentiment":"neutral","sentiment_score":0.019501376897096634},{"text":"So let's say you're putting in 12,000 into your super in total currently.","start":1399.76,"end":1404.4199,"sentiment":"neutral","sentiment_score":0.0671163284434722},{"text":"You still have $20,000 left over of your cap plus everything that you haven't used the last five financial years, which is well over a $100,000.","start":1405.36,"end":1414.58,"sentiment":"neutral","sentiment_score":0.045902227696317896}],"sentiment":"neutral","sentiment_score":0.04405093093848099,"num_words":92,"start":1379.81,"end":1414.58},{"sentences":[{"text":"And then even if we exhaust all of that, somehow, we still have a non concessional cap that's a $130,000 per year.","start":1416.075,"end":1424.095,"sentiment":"neutral","sentiment_score":-0.02096019685268402},{"text":"So there's oodles of room to make contributions.","start":1424.3151,"end":1426.895,"sentiment":"neutral","sentiment_score":0.26697593554854393},{"text":"It's just about your cash flow priorities at the end of the day.","start":1427.355,"end":1431.35,"sentiment":"neutral","sentiment_score":0.1465152559372095},{"text":"K?","start":1433.25,"end":1433.57,"sentiment":"neutral","sentiment_score":0.03960089758038521},{"text":"So at the moment, I will do that net zero strategy where what comes out tops you back up, and then we'll talk around April to make sure if you wanna do an extra little contribution, we can talk then as well.","start":1433.57,"end":1447.145,"sentiment":"neutral","sentiment_score":0.11386673711240292}],"sentiment":"neutral","sentiment_score":0.09769052717574807,"num_words":86,"start":1416.075,"end":1447.145},{"sentences":[{"text":"Amazing.","start":1449.925,"end":1450.425,"sentiment":"positive","sentiment_score":0.7373208999633789},{"text":"Alrighty.","start":1450.885,"end":1451.385,"sentiment":"positive","sentiment_score":0.4861623346805573},{"text":"Now that's quite a lot of information.","start":1451.4451,"end":1453.045,"sentiment":"neutral","sentiment_score":0.25871098254408154},{"text":"I don't expect you to kind of have all that figured out in your brain because I still have to do some research and put a plan together for you.","start":1453.045,"end":1459.72,"sentiment":"neutral","sentiment_score":0.11052426379173994},{"text":"But does it make sense so far?","start":1460.1799,"end":1461.96,"sentiment":"neutral","sentiment_score":0.12103078780429703}],"sentiment":"neutral","sentiment_score":0.1564652943659736,"num_words":46,"start":1449.925,"end":1461.96},{"sentences":[{"text":"No worries at all.","start":1465.5399,"end":1466.7599,"sentiment":"neutral","sentiment_score":0.22718548774719238},{"text":"Yeah.","start":1478.525,"end":1479.025,"sentiment":"neutral","sentiment_score":0.1158233880996704},{"text":"And we have to take it seriously because this will be your life in a few years' time, and we do take it seriously to try and get you there with the least risk necessary so you can be on track for your comfortable retirement goal.","start":1480.4601,"end":1492.545,"sentiment":"positive","sentiment_score":0.38969989120960236},{"text":"Alrighty.","start":1495.025,"end":1495.525,"sentiment":"neutral","sentiment_score":0.2572334408760071},{"text":"Do you have any questions for me so far?","start":1495.745,"end":1497.6051,"sentiment":"neutral","sentiment_score":0.09318302820126216}],"sentiment":"neutral","sentiment_score":0.3286334594986478,"num_words":61,"start":1465.5399,"end":1497.6051},{"sentences":[{"text":"I believe so.","start":1522.735,"end":1523.955,"sentiment":"neutral","sentiment_score":0.026416083176930744},{"text":"But after 60, it's all tax free.","start":1525.135,"end":1527.715,"sentiment":"neutral","sentiment_score":0.031666895640747886},{"text":"Oh, a little bit of a difference in terminology.","start":1540.27,"end":1544.0751,"sentiment":"neutral","sentiment_score":-0.006290869373414252},{"text":"So if they're asking, did you receive an income, I would probably say yes, and then obviously talk to your accountant.","start":1544.375,"end":1550.155,"sentiment":"neutral","sentiment_score":0.02844214474871045},{"text":"It doesn't matter how much we pull out after 60.","start":1551.655,"end":1554.135,"sentiment":"neutral","sentiment_score":0.08879482485353947}],"sentiment":"neutral","sentiment_score":0.03459063965827227,"num_words":50,"start":1522.735,"end":1554.135},{"sentences":[{"text":"It's all tax free.","start":1554.135,"end":1555.435,"sentiment":"neutral","sentiment_score":0.1391856933478266},{"text":"So whether you pulled out 5,000 or 50,000 doesn't make a difference there.","start":1555.58,"end":1559.68,"sentiment":"neutral","sentiment_score":-0.24395463672968057},{"text":"But, yeah, but when you do your tax return, there is a section where they say, hey.","start":1560.22,"end":1565.36,"sentiment":"neutral","sentiment_score":-0.08857145664446495},{"text":"Have you put more money in and you wanna claim that as a tax deduction?","start":1565.42,"end":1569.6,"sentiment":"neutral","sentiment_score":-0.1277099813024203},{"text":"That's not what you were doing.","start":1569.9,"end":1571.385,"sentiment":"neutral","sentiment_score":-0.315177025894324}],"sentiment":"neutral","sentiment_score":-0.14412898439913988,"num_words":55,"start":1554.135,"end":1571.385},{"sentences":[{"text":"K?","start":1573.9451,"end":1574.345,"sentiment":"neutral","sentiment_score":0.008183357305824757},{"text":"It's for people who have already put money in from their bank accounts and they wanna claim it.","start":1574.345,"end":1578.585,"sentiment":"neutral","sentiment_score":-0.007890306102732817},{"text":"So just be careful with that section of the tax return.","start":1578.585,"end":1580.985,"sentiment":"neutral","sentiment_score":-0.14896468750455163},{"text":"That's all.","start":1580.985,"end":1581.805,"sentiment":"neutral","sentiment_score":-0.01362087856978178},{"text":"Cool.","start":1593.64,"end":1594.14,"sentiment":"neutral","sentiment_score":-0.05529434233903885}],"sentiment":"neutral","sentiment_score":-0.056211812562788975,"num_words":33,"start":1573.9451,"end":1594.14},{"sentences":[{"text":"Yeah.","start":1597.495,"end":1597.995,"sentiment":"neutral","sentiment_score":-0.025406986474990845},{"text":"Yeah.","start":1631.46,"end":1631.96,"sentiment":"neutral","sentiment_score":0.14890116453170776},{"text":"So with Matthew and Michelle, I would assume that they they would be over 18, wouldn't they?","start":1642.34,"end":1648.245,"sentiment":"neutral","sentiment_score":0.013543091714382172},{"text":"Yep.","start":1649.505,"end":1650.005,"sentiment":"neutral","sentiment_score":0.1311248391866684},{"text":"So the only unfortunate thing is when when they do the CISACT nominations for who can receive super, they're valid nominations, spouse, children of any age, they count.","start":1650.1449,"end":1662.9,"sentiment":"neutral","sentiment_score":0.02844222728163004}],"sentiment":"neutral","sentiment_score":0.0266923737556984,"num_words":48,"start":1597.495,"end":1662.9},{"sentences":[{"text":"But when they're over 18, they're no longer a tax dependent.","start":1663.12,"end":1666.66,"sentiment":"neutral","sentiment_score":-0.005658188890348273},{"text":"So that's why they cop a bit of tax.","start":1666.9601,"end":1668.9,"sentiment":"neutral","sentiment_score":-0.08980537350806925},{"text":"So what tends to happen is there's a bit of a calculation of the leftover when people receive a taxable portion of your super.","start":1669.28,"end":1677.635,"sentiment":"neutral","sentiment_score":-0.0025750945399825773},{"text":"I have seen people put money into, like, a testamentary trust.","start":1678.5751,"end":1683.635,"sentiment":"neutral","sentiment_score":0.06167519380423156},{"text":"So when they pass away, they will create the trust fund.","start":1683.91,"end":1687.77,"sentiment":"neutral","sentiment_score":0.02566041594201868}],"sentiment":"neutral","sentiment_score":0.00043031816488964427,"num_words":66,"start":1663.12,"end":1687.77},{"sentences":[{"text":"And that's really good for people underrating because it's kinda like, here's a million dollars.","start":1688.15,"end":1692.31,"sentiment":"positive","sentiment_score":0.5301987628142039},{"text":"Let's let you live off of it for a while before we just give you a million dollars.","start":1692.31,"end":1695.85,"sentiment":"neutral","sentiment_score":0.271477985713217},{"text":"But for the adult children, it only really saves them the Medicare rebate of 2%.","start":1697.005,"end":1702.125,"sentiment":"positive","sentiment_score":0.39392535090446473},{"text":"It doesn't really minimize the tax much.","start":1702.125,"end":1704.385,"sentiment":"neutral","sentiment_score":0.20113088403429305},{"text":"There is something that we can do, and this is probably as far as I'm gonna go today because this will this will melt the brain a little bit.","start":1706.605,"end":1715.32,"sentiment":"neutral","sentiment_score":0.32151534125722686}],"sentiment":"positive","sentiment_score":0.35095626825378057,"num_words":84,"start":1688.15,"end":1715.32},{"sentences":[{"text":"But did you remember before how I said there's a different type of cap, a nonconcessional cap?","start":1715.32,"end":1721.1,"sentiment":"neutral","sentiment_score":0.004491906257017571},{"text":"When you hit 65, we can do something called a cash out recontribution, which essentially means pull out the majority of your money out of super and then throw it all back in again as a non concessional contribution so it sits there in the tax free portion.","start":1722.52,"end":1739.575,"sentiment":"neutral","sentiment_score":0.10192122426815331},{"text":"It's essentially washing the funds after the age of 65.","start":1739.84,"end":1743.86,"sentiment":"neutral","sentiment_score":0.04595908597111702},{"text":"Yeah.","start":1762.015,"end":1762.415,"sentiment":"neutral","sentiment_score":0.1600424349308014},{"text":"So my plan for you at the moment is we'll update the the transition pension strategy now.","start":1762.415,"end":1767.27,"sentiment":"neutral","sentiment_score":0.15671813181217978}],"sentiment":"neutral","sentiment_score":0.08873572802892135,"num_words":93,"start":1715.32,"end":1767.27},{"sentences":[{"text":"When you hit '65, we will do that recontribution with you.","start":1767.67,"end":1773.13,"sentiment":"neutral","sentiment_score":0.13053139028224078},{"text":"And then '66, '67, you'll be in your full pension retired.","start":1774.79,"end":1779.51,"sentiment":"neutral","sentiment_score":0.17708170210773294},{"text":"So we'll kind of, we've got a three different strategies to do with you every couple of years.","start":1779.51,"end":1785.6549,"sentiment":"neutral","sentiment_score":0.17964738296965757},{"text":"K.","start":1785.6549,"end":1785.8949,"sentiment":"neutral","sentiment_score":0.07808887213468552},{"text":"So leave that with me.","start":1785.8949,"end":1786.7749,"sentiment":"neutral","sentiment_score":0.05533810630440712}],"sentiment":"neutral","sentiment_score":0.15156905029131018,"num_words":46,"start":1767.67,"end":1786.7749},{"sentences":[{"text":"We don't do it today, but we will do that at sixty five.","start":1786.7749,"end":1790.5549,"sentiment":"neutral","sentiment_score":-0.16661163018299982},{"text":"That is a fantastic question, actually, and they're all brilliant questions.","start":1792.63,"end":1795.6699,"sentiment":"positive","sentiment_score":0.5319462601434101},{"text":"So I've already put in some notes on your file that we're gonna look at one, two, three, and every review, we're just gonna have this discussion.","start":1795.6699,"end":1803.21,"sentiment":"neutral","sentiment_score":0.06373078472636363},{"text":"Are we on track?","start":1803.51,"end":1804.65,"sentiment":"neutral","sentiment_score":0.040212137158960104},{"text":"Do we reduce risk?","start":1804.87,"end":1806.1699,"sentiment":"neutral","sentiment_score":0.02151226019486785}],"sentiment":"neutral","sentiment_score":0.09581502451229904,"num_words":59,"start":1786.7749,"end":1806.1699},{"sentences":[{"text":"What other strategies should we do?","start":1806.23,"end":1807.965,"sentiment":"neutral","sentiment_score":0.023539560691763956},{"text":"Amazing.","start":1810.365,"end":1810.865,"sentiment":"positive","sentiment_score":0.7557953596115112},{"text":"Okay.","start":1811.325,"end":1811.645,"sentiment":"positive","sentiment_score":0.3340645432472229},{"text":"Sensational.","start":1811.645,"end":1812.145,"sentiment":"neutral","sentiment_score":0.32803070545196533},{"text":"So I'm really glad I got you today for this review because it's been an excellent That's okay.","start":1812.2849,"end":1817.825,"sentiment":"positive","sentiment_score":0.44926630043321186}],"sentiment":"positive","sentiment_score":0.3572563474170036,"num_words":27,"start":1806.23,"end":1817.825},{"sentences":[{"text":"From here, so beneficiaries will stay the same.","start":1818.9249,"end":1821.505,"sentiment":"neutral","sentiment_score":0.05286204256117344},{"text":"Have you put in place, like, a will or a power of attorney yet?","start":1822.4299,"end":1825.57,"sentiment":"neutral","sentiment_score":0.03106349307511534},{"text":"Yep.","start":1836.285,"end":1836.785,"sentiment":"neutral","sentiment_score":0.029848938807845116},{"text":"Okay.","start":1838.045,"end":1838.445,"sentiment":"neutral","sentiment_score":0.02836674451828003},{"text":"So few options.","start":1838.445,"end":1839.825,"sentiment":"neutral","sentiment_score":0.015708528459072113}],"sentiment":"neutral","sentiment_score":0.035671352305346064,"num_words":27,"start":1818.9249,"end":1839.825},{"sentences":[{"text":"Some people go to the old $25 will kit from the post office, government approved.","start":1840.045,"end":1845.165,"sentiment":"neutral","sentiment_score":0.014149549913903077},{"text":"Not the fanciest, but they're okay.","start":1845.165,"end":1846.945,"sentiment":"neutral","sentiment_score":-0.014503014894823233},{"text":"You've got the solicitors, and you've got the public trustee at the courthouse as well.","start":1847.6901,"end":1852.81,"sentiment":"neutral","sentiment_score":0.018270924563209216},{"text":"So there's a few different options for you, but I'll just include a reminder in your plan to to get that sorted at some point.","start":1852.81,"end":1859.07,"sentiment":"neutral","sentiment_score":0.05787148267030716},{"text":"Yep.","start":1860.845,"end":1861.245,"sentiment":"neutral","sentiment_score":0.08556558936834335}],"sentiment":"neutral","sentiment_score":0.031155511030867215,"num_words":62,"start":1840.045,"end":1861.245},{"sentences":[{"text":"Alrighty.","start":1861.245,"end":1861.745,"sentiment":"neutral","sentiment_score":0.06797873228788376},{"text":"We're not doing anything with insurances at the moment.","start":1862.445,"end":1864.7649,"sentiment":"neutral","sentiment_score":-0.05316580265449981},{"text":"It's really just finishing off the growth of the super, and beneficiaries can stay the way they are.","start":1864.7649,"end":1871.0249,"sentiment":"neutral","sentiment_score":0.05660480043540398},{"text":"Amazing.","start":1873.26,"end":1873.74,"sentiment":"neutral","sentiment_score":0.25282976031303406},{"text":"So that's pretty much everything that I needed so far.","start":1873.74,"end":1876.5599,"sentiment":"neutral","sentiment_score":0.2807169407606125}],"sentiment":"neutral","sentiment_score":0.09406082267061067,"num_words":39,"start":1861.245,"end":1876.5599},{"sentences":[{"text":"You've already signed a service agreement with us.","start":1876.7,"end":1880.08,"sentiment":"neutral","sentiment_score":0.16198530048131943},{"text":"So, yes, perfectly fine, and it's all been applied.","start":1881.4199,"end":1885.755,"sentiment":"neutral","sentiment_score":0.20286207811699974},{"text":"So we still have consent on your accounts to be the advisers and look after things.","start":1885.755,"end":1890.735,"sentiment":"neutral","sentiment_score":0.12325528683140874},{"text":"One thing that'll happen next year is we are bringing in a bit of a tiered fee structure so that everyone above 200,000 will start to get some discounts.","start":1891.915,"end":1899.71,"sentiment":"neutral","sentiment_score":0.13788430598275414},{"text":"So once we build all the the financial services guide and paperwork out, that'll be coming down the road next year for you as well.","start":1900.1699,"end":1908.2699,"sentiment":"neutral","sentiment_score":0.1727329632639885}],"sentiment":"neutral","sentiment_score":0.15414591553224916,"num_words":87,"start":1876.7,"end":1908.2699},{"sentences":[{"text":"Alright, Sue.","start":1911.7849,"end":1912.585,"sentiment":"positive","sentiment_score":0.574460506439209},{"text":"That's amazing.","start":1912.585,"end":1913.565,"sentiment":"positive","sentiment_score":0.8503379821777344},{"text":"Is there anything else I can help with today?","start":1913.625,"end":1915.885,"sentiment":"positive","sentiment_score":0.5084656443860796},{"text":"Amazing.","start":1923.96,"end":1924.44,"sentiment":"positive","sentiment_score":0.7433499693870544},{"text":"So from here, I will go do some research and crunch the numbers with the team.","start":1924.44,"end":1928.2999,"sentiment":"positive","sentiment_score":0.3980599921196699}],"sentiment":"positive","sentiment_score":0.4846032540003459,"num_words":30,"start":1911.7849,"end":1928.2999},{"sentences":[{"text":"I will just send out the usual satisfaction survey message to you.","start":1928.84,"end":1933.02,"sentiment":"positive","sentiment_score":0.4074579005440076},{"text":"And from there, just keep an eye out.","start":1933.16,"end":1935.985,"sentiment":"neutral","sentiment_score":0.20801199972629547},{"text":"We'll probably give you a call in a couple of weeks to book in to go through the updated plan with me.","start":1935.985,"end":1940.725,"sentiment":"neutral","sentiment_score":0.23594381457025354},{"text":"Amazing, Sue.","start":1943.463,"end":1944.103,"sentiment":"positive","sentiment_score":0.7676336467266083},{"text":"Thank you so much for your time today.","start":1944.103,"end":1945.703,"sentiment":"positive","sentiment_score":0.8484683185815811}],"sentiment":"positive","sentiment_score":0.38591093398057497,"num_words":52,"start":1928.84,"end":1945.703},{"sentences":[{"text":"You have a great week.","start":1945.703,"end":1946.763,"sentiment":"positive","sentiment_score":0.7441761732101441},{"text":"Thank you.","start":1948.663,"end":1949.223,"sentiment":"positive","sentiment_score":0.5704382956027985},{"text":"Bye.","start":1949.223,"end":1949.723,"sentiment":"neutral","sentiment_score":0.2337418794631958}],"sentiment":"positive","sentiment_score":0.6369374170899391,"num_words":8,"start":1945.703,"end":1949.723}]}}]},{"alternatives":[{"transcript":"If you record your name and reason for calling Hello. Sue speaking. I'm good. Thank you. How are you? Oh, yes. Yes. Lovely here in Townsville. So nice and sunny and, yeah, not too cold. So lovely. Thank you. Cowboys? Yeah. It was a good win on Sunday or Sunday whenever day. It was a good win. Yeah. Oh, did you? Oh, excellent. Oh, okay. Yeah. Oh, well, there's big capital East of Lisbon. Oh, that's lovely. Yes. I just wanna know how I'm tracking. I've kind of made a decision to only work for two more years and retire. So I just wanna know, should I be upping the ante a bit more or you know, I'll probably have to like, I won't receive my attention until I probably have to work just have my super for a full year, you know, rely on that until I get a pension, you know, and and work and and know if I can work if I'm drawing down more of my super as well. Like, I just wanna know the ins and outs about that, like, when I do finish work, what because I was going to finish in two years, and then I've got a lot of long service leave and holidays. So that was gonna take me up to a year out from my 60 birthday, so when I was 66. And then for that year, I was just gonna rely on my super just download you know, and and working just part time a little a little bit here and there just to help myself out. So I was wondering, you know I mean, I don't have a great deal in sleep, but I was just wondering is there anything more I should be doing or upping the ante a bit more? You know, is that the advice that you would give so that I can get, you know, be on a better spot in two years time? Like, is there something I should be doing two years out? You know? Mhmm. Yep. Yep. Yep. Yes. Yeah. No. That sounds okay. Yes. Mhmm. Yes. Yes. Right. Yep. Mhmm. Yes. Right. Yep. Right. Mhmm. Yes. Yes. Excellent. Brush. Mhmm. Yep. Yep. So that was one of the questions I was gonna ask, you know, just your advice on that. So that's good. Thank you. Yeah. Yep. Yep. No. That's right. Yeah. Yep. Yep. Yes. Yes. Yes. Right. Mhmm. Okay. Mhmm. Yep. Yes. Yes. Mhmm. I've got an update on that. So I I've got my tax return, and it's so I did a bit of overtime this year. So it's now up around 60 sorry. 76,407. I don't think we'll probably do as much overtime. Like, I only did 2,000 in overtime. I I wouldn't think that that would be a a case. So I'd say probably around the 74,000, I'd say. If if that's what it is, like, it is because it's got your taxable work and leave 73,000, then allowances, and overtime, it came up to seven taxable payments $76.04 $0.07. So that's what I earned, isn't it? And then it's got pretax amount, super, and then yeah. So it's had a big breakdown of it, but, yeah, that looks like what? I can double check that tomorrow. I can look in our payroll and just double check that, you know, what my actual base is, if you'd like, and and let you know. But I'd say probably wouldn't do as much overtime as what what we did at the beginning of last of this year. So I'd say, you know, it'd be around if I took that nearly $2 off, I'd say it'd be around the 74 mark. Yeah. Yeah. But I I might just double check that if that's okay. Yep. Excellent. Mhmm. Yep. Yes. Mhmm. Yes. Yes. Yep. That sounds great. Mhmm. Yes. Yeah. Yeah. I was a little bit worried. Yeah. But, no, it seems pretty good. Yeah. Yep. Yep. Tracking while there. Yeah. Yep. Oh, that'd be great. Thank you. Yeah? Yep. Yeah. I don't know. What am I doing at the moment? I'm doing yeah. Mhmm. Do you think that's advisable? Is that, like can you give advice on that? Or yes. Yep. Yep. That's fine. Mhmm. Oh, that'd be great. That'd be great. And and oh, no. Sorry. You finished. You finished. Mhmm. Okay. I was just wondering, when I do finish work, I was thinking of going on a trip overseas, and I was hoping that I would be able to download for my super to fund that. Is that gonna be possible to do I'm thinking around 15,000 m or I can't really touch that because or can I touch that? Can I can I take a bulk sum out once I finish working, or would that not be possible? Mhmm. Yeah. Yep. Okay. Yep. And there's not a certain age, like, at sorry. At at 60 what what is it? 65, I'd be able to do that? Yeah. Yeah. Yeah. And fully retired. Yeah. Yep. The 10%. Yep. Right. Okay. Mhmm. Mhmm. Access as well. Yep. Okay. Yep. Cool. Yeah. Yeah. As soon as kind of around that time. Yeah. As soon as later in the year, but around that time before I sort of as soon as I finish work, I'm I'm thinking of that. Yeah. The only thing is the only thing is, though sorry. When I finish work, I'm gonna be paying I'm going to still be getting paid by my long service leave and my annual leave. So is that going to be a problem? Because I'll still technically be getting paid even though I won't be I'll be on on leave. I'm not getting it out as a bulk amount. Yeah. Well, thank you. I appreciate all your guidance on this. Yep. Yep. Yep. Okay. Excellent. Mhmm. Yeah. Excellent. Thank you. Yes. Right. Mhmm. Yeah. Well, I'd love to see it grow a bit more, but I'm just really scared to do that. You know what I mean? So I don't I don't I don't know what is the best thing to do, to be honest, you know, now that I'm getting quotes. Yeah. Yep. Yeah. Yeah. So can you advise, like, what would most people do with this at my in my situation? Would they start to pull it down a bit, or would they keep it for, say, another year and then start to decrease it? What on oh, you know, in in your experience, what would most people do at my age and at this time of my life? Would they try and keep it there for a bit longer? Yep. Yep. Yes. Yep. Yep. So probably I'm not I'm probably not at my goal yet really, am I? So I'd probably maybe better to just keep it as it is for the time being and then maybe for a bit longer and then try to reduce it down maybe. I'm just I'm very new to all this. I'm not a 100% sure what I should be doing. You know, I don't wanna yes. Yes. Yep. Yep. Yep. Okay. So you'll let you'll do some number crunching and and then send it to me and let me know what you think is the best your your your advice is the best way of doing it. Is that what you're going to do? Yes. Yes. Excellent. Excellent. Thank you. Yes. Yep. Yep. Okay. Mhmm. Yep. That's pretty common to have that. Yep. Okay. Don't stress about it. Yeah. Yeah. That's right. Yeah. Yes. I'd appreciate yeah. That'd be great. Thank you. Yes. Yes. I can buy. Yes. That's correct. Yep. That's right. I've probably got about 13,000 in account. Yes. Yeah. Yeah. No. It's it's been great. Yeah. I've I've been it just tops it up, you know, for me. So and I kind of been living and looking at that as, you know, a bit of savings as well. You know? So, yeah, it's been it's been good having that extra that it's it's going well, that amount. Yes. Yep. Yeah. If you wouldn't mind just keeping it at the same at the moment, only because I might look at it early next year and changing it and putting more into I need that I've just got a lot of I've got daughter's wedding. I've got kids you know, I've got my I've got a lot of things happening this year. So, you know, a lot of big birthday things happening and trips and stuff like that. So for the moment but I do get what you're saying. I probably might have more that I can put into the super come, you know, mid next year. So, you know, sort of like around April next year. I you know, when all these things are finished. So, yeah, if if that's a possibility that we can change it at any time or is that not possible? Yep. Oh, yeah. Yep. And does that have to be a certain amount? Like, is that or is that if it can be anything? Like, there's no specific, you know, amounts or anything? Right. Gotcha. Mhmm. Yes. Mhmm. Right. Okay. Yep. Understand. Yes. Yes. That'd be perfect. Thank you. Yes. Yes. Yes. I appreciate that. Yes. It does. Yes. Thank you. You've been very helpful. I appreciate all that because, you know, sort of when I first started, it was like, oh, yeah. I'm not retiring yet, but now it seems to be coming up close, and I'm thinking, oh, am I doing the right things? You know, that sort of thing. You know? So it's all those sort of questions. You know? So yes. Excellent. Yes. Thank you. Yeah. I'm I was just looking at doing a tax return my tax return, and it says, did you have income from Australian super or or funds? Do I have to declare on my tax what I do you know, that top up amount? Do I have to declare that? Okay. So I should be putting what the amount of what I get that every fortnight, that amount into my tax to say I am claiming that from super. Correct? Yep. Okay. Doesn't really make a difference. No. Okay. Yep. Yep. Yeah. Yep. Okay. I will do that. Thank you. That was one quick and the other question is, like, it's a bit morbid, but, you know, leaving say if anything happened, I was just sort of getting like, when I retire, like, someone I I sort of read somewhere that, you know, like, I'm I'm leaving it to my kids, my two children. So they seem to pay a lot of tax if I just left it. Does it have to go into a, like, a a trust fund or something? Like, is that something I need to consider when I retire, you know, just in case anything did happen or whatever? How's the best way to do that for leaving, you know, your money to your to your children? Like, I know that it's not going to my partner. It's going to my I want it to go to my children. So they are. Yeah. Yes. Yes. Yep. Right. Okay. Yes. Yes. Yes. Yes. Yep. Actually and that was the next question. I was because I had read about that, and I thought, oh, I wonder if that's a good thing to do and if that's another way of getting around that. You know? So, yeah, you've answered my question there. So that's after 65. Like, you can do that. Yes. Yes. Yep. Yep. Perfect. No. No. Sorry. Sorry to take up your time with asking that. Sorry. Yeah. Yep. Yep. Excellent. That's great. Thank you. Yeah. Thank you so much. I appreciate it. Yes. I have got a will, but it's a handwritten will. I do need to look at that, and I will and I don't have power of attorney, so I have to look at both those things to get that sorted. Yeah. No. Yes. To get that, that'd be wonderful. Yes. Correct. Mhmm. Excellent. Yes. Yes. I hope that all came through okay. Yes. Excellent. That sounds good. Thank you. Wonderful. No. No. You've answered all my questions. Thank you. I appreciate that, and I look forward to what you're going to send me. So thank you very much. Yes. Yep. Yep. That sounds fantastic. Thank you so much. Thank you. You too. Thank you. Thank you. 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you record your name and reason for calling Hello. Sue speaking. I'm good. Thank you. How are you?\n\nOh, yes. Yes. Lovely here in Townsville. So nice and sunny and, yeah, not too cold. So lovely.\n\nThank you. Cowboys? Yeah. It was a good win on Sunday or Sunday whenever day. It was a good win.\n\nYeah. Oh, did you? Oh, excellent. Oh, okay. Yeah.\n\nOh, well, there's big capital East of Lisbon. Oh, that's lovely. Yes. I just wanna know how I'm tracking. I've kind of made a decision to only work for two more years and retire.\n\nSo I just wanna know, should I be upping the ante a bit more or you know, I'll probably have to like, I won't receive my attention until I probably have to work just have my super for a full year, you know, rely on that until I get a pension, you know, and and work and and know if I can work if I'm drawing down more of my super as well. Like, I just wanna know the ins and outs about that, like, when I do finish work, what because I was going to finish in two years, and then I've got a lot of long service leave and holidays. So that was gonna take me up to a year out from my 60 birthday, so when I was 66. And then for that year, I was just gonna rely on my super just download you know, and and working just part time a little a little bit here and there just to help myself out. So I was wondering, you know I mean, I don't have a great deal in sleep, but I was just wondering is there anything more I should be doing or upping the ante a bit more?\n\nYou know, is that the advice that you would give so that I can get, you know, be on a better spot in two years time? Like, is there something I should be doing two years out? You know? Mhmm. Yep.\n\nYep. Yep. Yes. Yeah. No.\n\nThat sounds okay. Yes. Mhmm. Yes. Yes.\n\nRight. Yep. Mhmm. Yes. Right.\n\nYep. Right. Mhmm. Yes. Yes.\n\nExcellent. Brush. Mhmm. Yep. Yep.\n\nSo that was one of the questions I was gonna ask, you know, just your advice on that. So that's good. Thank you. Yeah. Yep.\n\nYep. No. That's right. Yeah. Yep.\n\nYep. Yes. Yes. Yes. Right.\n\nMhmm. Okay. Mhmm. Yep. Yes.\n\nYes. Mhmm. I've got an update on that. So I I've got my tax return, and it's so I did a bit of overtime this year. So it's now up around 60 sorry.\n\n76,407. I don't think we'll probably do as much overtime. Like, I only did 2,000 in overtime. I I wouldn't think that that would be a a case. So I'd say probably around the 74,000, I'd say.\n\nIf if that's what it is, like, it is because it's got your taxable work and leave 73,000, then allowances, and overtime, it came up to seven taxable payments $76.04 $0.07. So that's what I earned, isn't it? And then it's got pretax amount, super, and then yeah. So it's had a big breakdown of it, but, yeah, that looks like what? I can double check that tomorrow.\n\nI can look in our payroll and just double check that, you know, what my actual base is, if you'd like, and and let you know. But I'd say probably wouldn't do as much overtime as what what we did at the beginning of last of this year. So I'd say, you know, it'd be around if I took that nearly $2 off, I'd say it'd be around the 74 mark. Yeah. Yeah.\n\nBut I I might just double check that if that's okay. Yep. Excellent. Mhmm. Yep.\n\nYes. Mhmm. Yes. Yes. Yep.\n\nThat sounds great. Mhmm. Yes. Yeah. Yeah.\n\nI was a little bit worried. Yeah. But, no, it seems pretty good. Yeah. Yep.\n\nYep. Tracking while there. Yeah. Yep. Oh, that'd be great.\n\nThank you. Yeah? Yep. Yeah. I don't know.\n\nWhat am I doing at the moment? I'm doing yeah. Mhmm. Do you think that's advisable? Is that, like can you give advice on that?\n\nOr yes. Yep. Yep. That's fine. Mhmm.\n\nOh, that'd be great. That'd be great. And and oh, no. Sorry. You finished.\n\nYou finished. Mhmm. Okay. I was just wondering, when I do finish work, I was thinking of going on a trip overseas, and I was hoping that I would be able to download for my super to fund that. Is that gonna be possible to do I'm thinking around 15,000 m or I can't really touch that because or can I touch that?\n\nCan I can I take a bulk sum out once I finish working, or would that not be possible? Mhmm. Yeah. Yep. Okay.\n\nYep. And there's not a certain age, like, at sorry. At at 60 what what is it? 65, I'd be able to do that? Yeah.\n\nYeah. Yeah. And fully retired. Yeah. Yep.\n\nThe 10%. Yep. Right. Okay. Mhmm.\n\nMhmm. Access as well. Yep. Okay. Yep.\n\nCool. Yeah. Yeah. As soon as kind of around that time. Yeah.\n\nAs soon as later in the year, but around that time before I sort of as soon as I finish work, I'm I'm thinking of that. Yeah. The only thing is the only thing is, though sorry. When I finish work, I'm gonna be paying I'm going to still be getting paid by my long service leave and my annual leave. So is that going to be a problem?\n\nBecause I'll still technically be getting paid even though I won't be I'll be on on leave. I'm not getting it out as a bulk amount. Yeah. Well, thank you. I appreciate all your guidance on this.\n\nYep. Yep. Yep. Okay. Excellent.\n\nMhmm. Yeah. Excellent. Thank you. Yes.\n\nRight. Mhmm. Yeah. Well, I'd love to see it grow a bit more, but I'm just really scared to do that. You know what I mean?\n\nSo I don't I don't I don't know what is the best thing to do, to be honest, you know, now that I'm getting quotes. Yeah. Yep. Yeah. Yeah.\n\nSo can you advise, like, what would most people do with this at my in my situation? Would they start to pull it down a bit, or would they keep it for, say, another year and then start to decrease it? What on oh, you know, in in your experience, what would most people do at my age and at this time of my life? Would they try and keep it there for a bit longer? Yep.\n\nYep. Yes. Yep. Yep. So probably I'm not I'm probably not at my goal yet really, am I?\n\nSo I'd probably maybe better to just keep it as it is for the time being and then maybe for a bit longer and then try to reduce it down maybe. I'm just I'm very new to all this. I'm not a 100% sure what I should be doing. You know, I don't wanna yes. Yes.\n\nYep. Yep. Yep. Okay. So you'll let you'll do some number crunching and and then send it to me and let me know what you think is the best your your your advice is the best way of doing it.\n\nIs that what you're going to do? Yes. Yes. Excellent. Excellent.\n\nThank you. Yes. Yep. Yep. Okay.\n\nMhmm. Yep. That's pretty common to have that. Yep. Okay.\n\nDon't stress about it. Yeah. Yeah. That's right. Yeah.\n\nYes. I'd appreciate yeah. That'd be great. Thank you. Yes.\n\nYes. I can buy. Yes. That's correct. Yep.\n\nThat's right. I've probably got about 13,000 in account. Yes. Yeah. Yeah.\n\nNo. It's it's been great. Yeah. I've I've been it just tops it up, you know, for me. So and I kind of been living and looking at that as, you know, a bit of savings as well.\n\nYou know? So, yeah, it's been it's been good having that extra that it's it's going well, that amount. Yes. Yep. Yeah.\n\nIf you wouldn't mind just keeping it at the same at the moment, only because I might look at it early next year and changing it and putting more into I need that I've just got a lot of I've got daughter's wedding. I've got kids you know, I've got my I've got a lot of things happening this year. So, you know, a lot of big birthday things happening and trips and stuff like that. So for the moment but I do get what you're saying. I probably might have more that I can put into the super come, you know, mid next year.\n\nSo, you know, sort of like around April next year. I you know, when all these things are finished. So, yeah, if if that's a possibility that we can change it at any time or is that not possible? Yep. Oh, yeah.\n\nYep. And does that have to be a certain amount? Like, is that or is that if it can be anything? Like, there's no specific, you know, amounts or anything? Right.\n\nGotcha. Mhmm. Yes. Mhmm. Right.\n\nOkay. Yep. Understand. Yes. Yes.\n\nThat'd be perfect. Thank you. Yes. Yes. Yes.\n\nI appreciate that. Yes. It does. Yes. Thank you.\n\nYou've been very helpful. I appreciate all that because, you know, sort of when I first started, it was like, oh, yeah. I'm not retiring yet, but now it seems to be coming up close, and I'm thinking, oh, am I doing the right things? You know, that sort of thing. You know?\n\nSo it's all those sort of questions. You know? So yes. Excellent. Yes.\n\nThank you. Yeah. I'm I was just looking at doing a tax return my tax return, and it says, did you have income from Australian super or or funds? Do I have to declare on my tax what I do you know, that top up amount? Do I have to declare that?\n\nOkay. So I should be putting what the amount of what I get that every fortnight, that amount into my tax to say I am claiming that from super. Correct? Yep. Okay.\n\nDoesn't really make a difference. No. Okay. Yep. Yep.\n\nYeah. Yep. Okay. I will do that. Thank you.\n\nThat was one quick and the other question is, like, it's a bit morbid, but, you know, leaving say if anything happened, I was just sort of getting like, when I retire, like, someone I I sort of read somewhere that, you know, like, I'm I'm leaving it to my kids, my two children. So they seem to pay a lot of tax if I just left it. Does it have to go into a, like, a a trust fund or something? Like, is that something I need to consider when I retire, you know, just in case anything did happen or whatever? How's the best way to do that for leaving, you know, your money to your to your children?\n\nLike, I know that it's not going to my partner. It's going to my I want it to go to my children. So they are. Yeah. Yes.\n\nYes. Yep. Right. Okay. Yes.\n\nYes. Yes. Yes. Yep. Actually and that was the next question.\n\nI was because I had read about that, and I thought, oh, I wonder if that's a good thing to do and if that's another way of getting around that. You know? So, yeah, you've answered my question there. So that's after 65. Like, you can do that.\n\nYes. Yes. Yep. Yep. Perfect.\n\nNo. No. Sorry. Sorry to take up your time with asking that. Sorry.\n\nYeah. Yep. Yep. Excellent. That's great.\n\nThank you. Yeah. Thank you so much. I appreciate it. Yes.\n\nI have got a will, but it's a handwritten will. I do need to look at that, and I will and I don't have power of attorney, so I have to look at both those things to get that sorted. Yeah. No. Yes.\n\nTo get that, that'd be wonderful. Yes. Correct. Mhmm. Excellent.\n\nYes. Yes. I hope that all came through okay. Yes. Excellent.\n\nThat sounds good. Thank you. Wonderful. No. No.\n\nYou've answered all my questions. Thank you. I appreciate that, and I look forward to what you're going to send me. So thank you very much. Yes.\n\nYep. Yep. That sounds fantastic. Thank you so much. Thank you.\n\nYou too. Thank you. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"If you record your name and reason for calling Hello.","start":0.16,"end":4.64,"sentiment":"neutral","sentiment_score":0.00419432558119297},{"text":"Sue speaking.","start":4.64,"end":5.46,"sentiment":"neutral","sentiment_score":0.008469528052955866},{"text":"I'm good.","start":9.2,"end":9.679999,"sentiment":"positive","sentiment_score":0.37343747913837433},{"text":"Thank you.","start":9.679999,"end":10.16,"sentiment":"positive","sentiment_score":0.5669069141149521},{"text":"How are you?","start":10.16,"end":10.9,"sentiment":"neutral","sentiment_score":0.25477201243241626}],"sentiment":"neutral","sentiment_score":0.14230984924851278,"num_words":19,"start":0.16,"end":10.9},{"sentences":[{"text":"Oh, yes.","start":16.185,"end":16.664999,"sentiment":"neutral","sentiment_score":0.11960453912615776},{"text":"Yes.","start":16.664999,"end":16.985,"sentiment":"neutral","sentiment_score":0.20527473092079165},{"text":"Lovely here in 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much.","start":1922.215,"end":1923.595,"sentiment":"positive","sentiment_score":0.7458196759223938},{"text":"Yes.","start":1928.775,"end":1929.275,"sentiment":"neutral","sentiment_score":0.29714858531951904}],"sentiment":"positive","sentiment_score":0.6445041078108328,"num_words":27,"start":1916.855,"end":1929.275},{"sentences":[{"text":"Yep.","start":1940.11,"end":1940.59,"sentiment":"neutral","sentiment_score":0.16892628371715546},{"text":"Yep.","start":1940.59,"end":1940.99,"sentiment":"neutral","sentiment_score":0.2855754494667053},{"text":"That sounds fantastic.","start":1940.99,"end":1942.05,"sentiment":"positive","sentiment_score":0.8022029399871826},{"text":"Thank you so much.","start":1942.11,"end":1943.17,"sentiment":"positive","sentiment_score":0.8311798870563507},{"text":"Thank you.","start":1946.1029,"end":1946.8429,"sentiment":"positive","sentiment_score":0.6294935047626495}],"sentiment":"positive","sentiment_score":0.6768015555360101,"num_words":11,"start":1940.11,"end":1946.8429},{"sentences":[{"text":"You too.","start":1947.0629,"end":1947.6229,"sentiment":"positive","sentiment_score":0.3942563682794571},{"text":"Thank you.","start":1947.6229,"end":1948.3629,"sentiment":"positive","sentiment_score":0.5474260449409485},{"text":"Thank you.","start":1948.6628,"end":1949.403,"sentiment":"positive","sentiment_score":0.4105111062526703},{"text":"Bye.","start":1949.7029,"end":1950.2029,"sentiment":"neutral","sentiment_score":-0.10689299553632736}],"sentiment":"positive","sentiment_score":0.3710705776299749,"num_words":7,"start":1947.0629,"end":1950.2029}]}}]}],"paragraphs":{"transcript":"\nChannel 1: If you record your name and reason for calling Hello. Sue speaking.\n\nChannel 0: Hi, Sue. Tommy here, senior adviser. I work for you. How are you doing?\n\nChannel 1: I'm good. Thank you. How are you?\n\nChannel 0: I'm doing absolutely fantastic. It's a beautiful cool end of the day. What about your end?\n\nChannel 1: Oh, yes. Yes. Lovely here in Townsville. So nice and sunny and, yeah, not too cold. So lovely.\n\nThank you.\n\nChannel 0: Amazing. Amazing. Now I'm just gonna go through a bit of an annual review with you just to go through some updates on the super there. I just wanted to quickly check security with you. Do you recall your client password with us?\n\nYes. It is too. And how fantastic to be in the top eight all of a sudden.\n\nChannel 1: Cowboys? Yeah. It was a good win on Sunday or Sunday whenever day. It was a good win. Yeah.\n\nChannel 0: It was brilliant. I had my wife and my my son in the jerseys there cheering him on and\n\nChannel 1: Oh, did you?\n\nChannel 0: looking forward\n\nChannel 1: Oh,\n\nChannel 0: to the\n\nChannel 1: excellent.\n\nChannel 0: finals. They're from Bowen, her family.\n\nChannel 1: Oh, okay. Yeah. Oh, well, there's big capital East of Lisbon. Oh, that's lovely.\n\nChannel 0: Absolutely. Now I've got there's a little bit of a pack I'm gonna send through to you after this call just with some reports for your own\n\nChannel 1: Yes.\n\nChannel 0: records. Now before I jump through the review, bit of a details update, options for the super, is there anything in particular you would like to focus on for this call?\n\nChannel 1: I just wanna know how I'm tracking. I've kind of made a decision to only work for two more years\n\nChannel 0: Okay.\n\nChannel 1: and retire. So I just wanna know, should I be upping the ante a bit more or you know, I'll probably have to like, I won't receive my attention until I probably have to work just have my super for a full year, you know, rely on that until I get a pension, you know, and and work and and know if I can work if I'm drawing down more of my super as well. Like, I just wanna know the ins and outs about that, like, when I do finish work, what because I was going to finish in two years, and then I've got a lot of long service leave and holidays. So that was gonna take me up to a year out from my 60 birthday, so when I was\n\nChannel 0: Yeah.\n\nChannel 1: 66. And then for that year, I was just gonna rely on my super just download you know, and and working just part time a little a little bit here and there just to help myself out. So I was wondering, you know I mean, I don't have a great deal in sleep, but I was just wondering is there anything more I should be doing or upping the ante a bit more? You know, is that the advice that you would give so that I can get, you know, be on a better spot in two years time? Like, is there something I should be doing two years out?\n\nChannel 0: Yeah.\n\nChannel 1: You know?\n\nChannel 0: Fantastic, Susan. I love these questions. This is brilliant because I've got a whole plan in mind for you, and I wanna\n\nChannel 1: Mhmm.\n\nChannel 0: kinda just work through a few options for you. So\n\nChannel 1: Yep.\n\nChannel 0: when it comes to that two year period, so in two years' time, twelve months of leave and then twelve months of super only, bit of a combination of part time work, age pension mixed in, it's actually\n\nChannel 1: Yep.\n\nChannel 0: looking pretty, pretty good.\n\nChannel 1: Yep.\n\nChannel 0: So when I look at total balances, I've got a retirement goal here from you that you're probably only aiming for about $500 a week after tax\n\nChannel 1: Yes.\n\nChannel 0: to live on. Does that still sound okay?\n\nChannel 1: Yeah. No. That sounds okay. Yes. Mhmm.\n\nChannel 0: Perfect. So when you retire and you've got all your super just sitting there, let's just say you're only relying on your super, you still haven't invested conservatively. So it's trying to generate a little bit of a return. Kinda like money in the bank, it's trying to earn its four or 5%. When you retire, you're not trying to aim for, you know, 20%.\n\nYou're not trying to aim for high risk. Does that make\n\nChannel 1: Yes.\n\nChannel 0: sense? So what happens is if you can put it in something conservative where it pays 5%, but then you pull out 5% to live off, then the money's not gonna go\n\nChannel 1: Yes.\n\nChannel 0: down.\n\nChannel 1: Right.\n\nChannel 0: So if you earn 20,000, pull out 20,000, the super is just gonna last until age 90, 100, 100 and 20, however long. If you need to pull out more than 5%, it will slowly go down and eventually run out. Does that make sense?\n\nChannel 1: Yep. Mhmm.\n\nChannel 0: So for a $500 a week goal, you essentially need 520,000 to be perfectly okay no matter what or\n\nChannel 1: Yes.\n\nChannel 0: at minimum, 260,000. So 260,000 would see it last until just after life expectancy because the pension will\n\nChannel 1: Right.\n\nChannel 0: kick in as well, and that\n\nChannel 1: Yep.\n\nChannel 0: should last until age, say, 92.\n\nChannel 1: Right.\n\nChannel 0: And\n\nChannel 1: Mhmm.\n\nChannel 0: you're sitting with 350,000 in total currently.\n\nChannel 1: Yes.\n\nChannel 0: So what that basically means is we do just have these last couple of years to get a little bit more growth out of it, a little bit more contributions, and\n\nChannel 1: Yes.\n\nChannel 0: then you may only need to pull out six or 7%. It'll slowly go down, but not until it won't run out until you're over a 100. Okay? So tracking very, very well, but there are a number of things that we can\n\nChannel 1: Excellent.\n\nChannel 0: do.\n\nChannel 1: Brush. Mhmm.\n\nChannel 0: The first thing is I wouldn't take on more risk because you're already sitting kind of medium at the moment. You're in a balanced\n\nChannel 1: Yep.\n\nChannel 0: fund. It's kind of right in the middle.\n\nChannel 1: Yep. So that was\n\nChannel 0: Now\n\nChannel 1: one of\n\nChannel 0: if\n\nChannel 1: the questions\n\nChannel 0: I\n\nChannel 1: I was gonna ask, you know, just your advice on that. So that's good. Thank you.\n\nChannel 0: yeah. Because if you bumped it up in risk level, let's say the stock market crashes next year, you could lose 40% of the super just before you start living off of it.\n\nChannel 1: Yeah. Yep. Yep.\n\nChannel 0: And we don't want that to happen because that's\n\nChannel 1: No.\n\nChannel 0: probably\n\nChannel 1: That's right.\n\nChannel 0: you've spent all this time building it up. Let's actually protect\n\nChannel 1: Yeah.\n\nChannel 0: it.\n\nChannel 1: Yep. Yep.\n\nChannel 0: K? Now you're in a transition to retirement strategy at the moment with the pension\n\nChannel 1: Yes.\n\nChannel 0: and the super and the contributions. Does all that ring a bell?\n\nChannel 1: Yes. Yes.\n\nChannel 0: So because you've been doing all those extra contributions, we can well, I'll break it down for a quick second. You've got a 140,000 in your super account, and the rest of it, 212,000 that's sitting in your pension account.\n\nChannel 1: Right. Mhmm.\n\nChannel 0: So we could essentially pull more money across from your super account, give you a bigger pension account, which allows you to pull more out and do more contributions back in.\n\nChannel 1: Okay. Mhmm.\n\nChannel 0: Do you remember that strategy of, like, you put it in salary sacrifice? It's only taxed at 15%, but\n\nChannel 1: Yep.\n\nChannel 0: you get to claim that difference in the tax to boost up your super.\n\nChannel 1: Yes. Yes. Mhmm.\n\nChannel 0: So because your I think your income last check was around about the 69,000 mark. Is that pretty accurate?\n\nChannel 1: I've got an update on that.\n\nChannel 0: Mhmm. Go for\n\nChannel 1: So I I've got my tax return, and it's so I did a bit of overtime this year.\n\nChannel 0: Yep.\n\nChannel 1: So it's now up around 60 sorry. 76,407.\n\nChannel 0: Okay. And do you think that would be pretty close to the mark for this financial year?\n\nChannel 1: I don't think we'll probably do as much overtime. Like, I only did 2,000 in overtime.\n\nChannel 0: Yep.\n\nChannel 1: I I wouldn't think that that would be a a case. So I'd say probably around the 74,000, I'd say.\n\nChannel 0: Okay. I can base it off 74,000. That's no worries at all.\n\nChannel 1: If if that's what it is, like, it is because it's got your taxable work and leave 73,000, then allowances, and overtime, it came up to seven taxable payments $76.04 $0.07. So that's what I earned, isn't it?\n\nChannel 0: Yes. That's\n\nChannel 1: And then\n\nChannel 0: right.\n\nChannel 1: it's got pretax amount, super, and then yeah. So it's had a big breakdown of it, but, yeah, that looks like what? I can double check that tomorrow. I can look in our payroll and just double check that, you know, what my actual base is, if you'd like, and and let you know.\n\nChannel 0: That would be fantastic if you could.\n\nChannel 1: But I'd say probably wouldn't do as much overtime as what what we did at the beginning of last of this year. So I'd say, you know, it'd be around if I took that nearly $2 off, I'd say it'd be around the 74 mark.\n\nChannel 0: 74, Mark. Pretty safe bet.\n\nChannel 1: Yeah. Yeah. But I I might just double check that if that's okay. Yep.\n\nChannel 0: Yeah. That'd be fantastic. So I will work off the 74,000 for now. We'll update it slightly once we get that back from you, but that's enough for me to kind of do some updated planning for you.\n\nChannel 1: Excellent. Mhmm.\n\nChannel 0: So if you're okay with that strategy, I wanna just kind of ramp that up a little bit where\n\nChannel 1: Yep.\n\nChannel 0: we fill up your pension a bit more, pull a bit more out of super, and put a bit more back in.\n\nChannel 1: Yes. Mhmm.\n\nChannel 0: So what I'll do is I'll do a bit of a double. I'll update a plan for you with what those calculations look like to get you the most benefit. And\n\nChannel 1: Yes.\n\nChannel 0: included in that, I'll do a bit of a retirement projection where we go, okay. Here's a two year plan, twelve months of living off of leave, and then a year of just super, and then how do the funds look from age pension age onwards. Does that sound okay?\n\nChannel 1: Yes. Yep. That sounds great. Mhmm.\n\nChannel 0: Perfect. What I'll do alongside that, so when it comes to the other thing that we can do, which is the investments inside the super, You've had a really good return this year even though the markets\n\nChannel 1: Yes.\n\nChannel 0: have kind of gone crazy with the world\n\nChannel 1: Yeah.\n\nChannel 0: exploding.\n\nChannel 1: Yeah. I was a little bit worried. Yeah. But, no, it seems pretty good.\n\nChannel 0: Yeah. So you're usually in a balanced risk profile aiming for that kind of 7% average would be really good. Some years higher, some years\n\nChannel 1: Yeah.\n\nChannel 0: lower.\n\nChannel 1: Yep.\n\nChannel 0: You've pretty\n\nChannel 1: Yep.\n\nChannel 0: well hit between six and a half and seven and a half percent after fees the last twelve months, so it's still tracking pretty good.\n\nChannel 1: Tracking while there. Yeah.\n\nChannel 0: What I will do, though, is I have noticed one of the investment options has been dragging its feet a little bit. So\n\nChannel 1: Yep.\n\nChannel 0: I'm just going to do a little bit of an update on your portfolio, just a bit of an engine tune up. We'll switch out a couple of options because you have eight. If one or two aren't doing so well, that's not the end of the world, but I would like to just fix that up for you.\n\nChannel 1: Oh, that'd be great. Thank you.\n\nChannel 0: K? Now we'll ask you one question. There's no wrong answers for this. But\n\nChannel 1: Yeah?\n\nChannel 0: because Hub twenty four has the most investment options in the industry,\n\nChannel 1: Yep.\n\nChannel 0: I need a way to whittle down their couple of thousand to a couple of options for you.\n\nChannel 1: Yeah.\n\nChannel 0: You can choose between low fee funds that follow the market very closely or paying higher fees to try and get a higher return. Which way do you lean between the two?\n\nChannel 1: I don't know. What am I doing at the moment? I'm doing\n\nChannel 0: So it's a bit of a blend of both at the moment where that one option that hasn't been doing too well, that's a bit of a higher fee one. So I was just wondering if you would consider maybe going for that lower fee option.\n\nChannel 1: yeah. Mhmm. Do\n\nChannel 0: Cool.\n\nChannel 1: you think\n\nChannel 0: So\n\nChannel 1: that's\n\nChannel 0: that'll say,\n\nChannel 1: advisable?\n\nChannel 0: yeah,\n\nChannel 1: Is that, like can you\n\nChannel 0: well,\n\nChannel 1: give advice on that? Or\n\nChannel 0: when we go through the comparisons and we recommend the options to switch it out from, it's my job and the team's job to research what the best options are in either style.\n\nChannel 1: yes.\n\nChannel 0: And then from there, I can find you good ones in active or passive, high fee or low fee, but I just wanted to see if you wanted to give that low fee approach a bit of a go.\n\nChannel 1: Yep. Yep. That's fine. Mhmm.\n\nChannel 0: Cool. So that will help it as well. So if we tune up the portfolio a little bit, we won't change the risk level at the moment, and we just beef up your recontribution strategy. That should get you the best outcome over the next couple of years.\n\nChannel 1: Oh, that'd be great. That'd\n\nChannel 0: K?\n\nChannel 1: be great.\n\nChannel 0: Now\n\nChannel 1: And and\n\nChannel 0: bear in mind go go for it.\n\nChannel 1: oh, no. Sorry. You finished. You finished.\n\nChannel 0: I was just gonna go through a bit of a a risk discussion with you just so I can explain the ins and outs there. But if you had a\n\nChannel 1: Mhmm.\n\nChannel 0: question first, please, by all means, ask it because this will be a few minutes.\n\nChannel 1: Okay. I was just wondering, when I do finish work, I\n\nChannel 0: Mhmm.\n\nChannel 1: was thinking of going on a trip overseas, and\n\nChannel 0: Okay.\n\nChannel 1: I was hoping that I would be able to download for my super to fund that. Is that gonna be possible to do I'm thinking around 15,000 m or I can't really touch that because or can I touch that? Can I can I take a bulk sum out once I finish working, or would that not be possible?\n\nChannel 0: Yes. Absolutely. So there's a couple of options.\n\nChannel 1: Mhmm.\n\nChannel 0: When you fully retire, you will have access\n\nChannel 1: Yeah.\n\nChannel 0: to all of your funds.\n\nChannel 1: Yep. Okay. Yep.\n\nChannel 0: So I'll\n\nChannel 1: And\n\nChannel 0: note\n\nChannel 1: there's\n\nChannel 0: down\n\nChannel 1: not a\n\nChannel 0: 15\n\nChannel 1: certain age,\n\nChannel 0: thousand.\n\nChannel 1: like, at sorry. At at 60 what what is it? 65, I'd be able to do that?\n\nChannel 0: Well, if you're past\n\nChannel 1: Yeah.\n\nChannel 0: the age of 60 and fully retired, then you can access everything.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: So\n\nChannel 1: And fully\n\nChannel 0: it doesn't\n\nChannel 1: retired.\n\nChannel 0: really matter\n\nChannel 1: Yeah.\n\nChannel 0: past that point as long as you're fully retired. If you're still\n\nChannel 1: Yep.\n\nChannel 0: working part time, then you can only access that 10%.\n\nChannel 1: The 10%. Yep. Right. Okay.\n\nChannel 0: Yep.\n\nChannel 1: Mhmm.\n\nChannel 0: Now let's just say we're only accessing five percent at the moment, and then you\n\nChannel 1: Mhmm.\n\nChannel 0: wanna go for a holiday. Well, then you've still got that other 5% that you could\n\nChannel 1: Access as well. Yep. Okay.\n\nChannel 0: access\n\nChannel 1: Yep.\n\nChannel 0: as well. Are you thinking\n\nChannel 1: Cool.\n\nChannel 0: the holiday at age 65?\n\nChannel 1: Yeah. Yeah. As soon as kind of around that time. Yeah. As soon as later in the year, but around that time before I sort of as soon as I finish work, I'm\n\nChannel 0: Perfect.\n\nChannel 1: I'm thinking of that. Yeah.\n\nChannel 0: So what\n\nChannel 1: The\n\nChannel 0: that\n\nChannel 1: only\n\nChannel 0: mean?\n\nChannel 1: thing is the only\n\nChannel 0: Go\n\nChannel 1: thing is, though sorry. When I finish work, I'm gonna be\n\nChannel 0: for\n\nChannel 1: paying I'm going\n\nChannel 0: it.\n\nChannel 1: to still be getting paid by my long service leave\n\nChannel 0: Yes.\n\nChannel 1: and my annual leave. So is that going to be a problem? Because I'll still technically be getting paid even though I won't be I'll be on on leave. I'm not getting it out as a bulk amount.\n\nChannel 0: Yeah. I'm gonna double check the rules for you and let you know.\n\nChannel 1: Yeah.\n\nChannel 0: But either way, I'll still make it work for you.\n\nChannel 1: Well, thank you. I appreciate all your guidance on this.\n\nChannel 0: That's okay. Because what we can do too, like, let's just say it does affect your ability to access all the super. Well, five\n\nChannel 1: Yep.\n\nChannel 0: to 10% withdrawal is still 17 to over $30,000. So\n\nChannel 1: Yep.\n\nChannel 0: worst case scenario, if you talk to me in, say, May or June, and we say, hey. After July, I wanna go on my holiday and hang up the boots, then\n\nChannel 1: Yep.\n\nChannel 0: I will preplan that with you so the funds are available.\n\nChannel 1: Okay. Excellent.\n\nChannel 0: K? So I'll note that\n\nChannel 1: Mhmm.\n\nChannel 0: down. Thank you so much for letting me know that additional\n\nChannel 1: Yeah.\n\nChannel 0: expense, and I'll factor that into the plan as well.\n\nChannel 1: Excellent. Thank you.\n\nChannel 0: Perfect. When it comes to your balance risk level, what I do\n\nChannel 1: Yes.\n\nChannel 0: need to let you know is that you usually invest in that medium risk for about seven years. And then when you're three to five years out, we go down to a more moderate risk level. And then when you retire, you go conservative. Now\n\nChannel 1: Right.\n\nChannel 0: I don't mind you staying in balance for the extra one or two years and then slowing it down once you retire. But I just wanted\n\nChannel 1: Mhmm.\n\nChannel 0: to just quickly flag it with you because you've kind of you've kind of hit your goal a little bit. Would you say\n\nChannel 1: Yeah.\n\nChannel 0: that you're prioritizing growing it a bit more so than protecting it or protecting it more than growing?\n\nChannel 1: Well, I'd love to see it grow a bit more, but I'm just really scared to do that. You know what I mean? So I don't I don't I don't know what is the best thing to do, to be honest,\n\nChannel 0: Yeah.\n\nChannel 1: you\n\nChannel 0: So\n\nChannel 1: know, now\n\nChannel 0: our\n\nChannel 1: that\n\nChannel 0: options\n\nChannel 1: I'm getting\n\nChannel 0: realistically\n\nChannel 1: quotes.\n\nChannel 0: is we either keep it at the same medium risk level for another year\n\nChannel 1: Yeah.\n\nChannel 0: or we start reducing down a little bit further now or we just do that next year. So I I don't mind it being in there for maybe another year or so. But\n\nChannel 1: Yep.\n\nChannel 0: like I said, I'm not gonna increase your risk. It's really a discussion about do we keep it medium or go a little bit below medium. So from three\n\nChannel 1: Yeah.\n\nChannel 0: out of five to two out of five or something like that.\n\nChannel 1: Yeah. So can you advise, like, what would most people do with this at my in my situation? Would they start to pull it down a bit, or would they keep it for, say, another year and then start to decrease it? What on oh, you know, in in your experience, what would most people do at my age and at this time of my life? Would they try and keep it there for a bit longer?\n\nChannel 0: It depends on how close they are to their goal, but most people who are close to their goal will start to reduce the risk down and maybe just do those\n\nChannel 1: Yep.\n\nChannel 0: extra contributions instead. Whereas people\n\nChannel 1: Yep.\n\nChannel 0: still trying to play catch up need that extra little bit of growth because they don't wanna work past age 67 because they can't\n\nChannel 1: Yes.\n\nChannel 0: afford to.\n\nChannel 1: Yep. Yep. So\n\nChannel 0: Alright.\n\nChannel 1: probably\n\nChannel 0: So\n\nChannel 1: I'm\n\nChannel 0: I might\n\nChannel 1: not\n\nChannel 0: yeah.\n\nChannel 1: I'm probably not at my goal yet really, am I? So I'd probably maybe better to just keep it as it is for the time being and then maybe for a bit longer and then try to reduce it down maybe. I'm just\n\nChannel 0: Yeah.\n\nChannel 1: I'm very\n\nChannel 0: So\n\nChannel 1: new to all this. I'm not a 100% sure what I should be doing. You know, I don't wanna\n\nChannel 0: that's okay. Look. You're paying the fees for us to advise you, and that's exactly what I'll do. So I will crunch the numbers and do some projections and see how you're tracking for things.\n\nChannel 1: yes.\n\nChannel 0: If there is a huge difference where you're just gonna be on track for it no matter what, then I\n\nChannel 1: Yes.\n\nChannel 0: will recommend reducing the risk level down. If it's still a\n\nChannel 1: Yep.\n\nChannel 0: bit of a a medium certainty, then I'll keep it as is for one more year.\n\nChannel 1: Yep. Yep. Okay. So you'll\n\nChannel 0: Sound\n\nChannel 1: let you'll\n\nChannel 0: okay?\n\nChannel 1: do some number crunching and and then send it to me and let me know what you think is the best your your your advice is the best way of doing it. Is that what\n\nChannel 0: Yes.\n\nChannel 1: you're\n\nChannel 0: Absolutely.\n\nChannel 1: going to do?\n\nChannel 0: I'm gonna do an updated plan for you to show you both the projections and the performance\n\nChannel 1: Yes.\n\nChannel 0: and the updated figures, and then we will run through that together and make sure you're a 100% comfortable.\n\nChannel 1: Yes. Excellent. Excellent. Thank you.\n\nChannel 0: Perfect. Okay. So I've got everything I need there. Now just bear in mind that because you're sitting at that 350,000,\n\nChannel 1: Yes.\n\nChannel 0: while you're in that moderate to medium growth, you will still be seeing your super go up and down, say, five to 8%,\n\nChannel 1: Yep.\n\nChannel 0: which means that you're still gonna see it moving 10 to $25,000 up and down.\n\nChannel 1: Yep. Okay.\n\nChannel 0: So it may go from $3.50 to $3.35, and then\n\nChannel 1: Mhmm.\n\nChannel 0: it'll be back up to $3.80. That's pretty\n\nChannel 1: Yep.\n\nChannel 0: common.\n\nChannel 1: That's pretty common to have that.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: What\n\nChannel 1: Okay.\n\nChannel 0: we don't want is\n\nChannel 1: Don't\n\nChannel 0: we don't\n\nChannel 1: stress\n\nChannel 0: want this\n\nChannel 1: about it.\n\nChannel 0: super going from $3.50 to $2.40, and you're like a $100 to have to catch back up over five years.\n\nChannel 1: Yeah. Yeah. That's right. Yeah.\n\nChannel 0: Yep. So I'm gonna try and keep the risk level manageable while\n\nChannel 1: Yes.\n\nChannel 0: still getting that last\n\nChannel 1: I'd\n\nChannel 0: little bit of grub out of it.\n\nChannel 1: appreciate yeah. That'd be great. Thank you.\n\nChannel 0: Perfect. I'm just gonna have a quick look. So other details to update, we've got no change in your role, just the income\n\nChannel 1: Yes.\n\nChannel 0: will clarify. No change in address. Your PO box still okay? PO Box 1346.\n\nChannel 1: Yes. I can buy. Yes. That's correct.\n\nChannel 0: Perfect. Assets and liabilities, we just had the the car and the credit card.\n\nChannel 1: Yep. That's right.\n\nChannel 0: And do you have a a bunch of sort of savings, rainy day funds set aside in case something happens?\n\nChannel 1: I've probably got about 13,000 in account.\n\nChannel 0: Yep. Sensational.\n\nChannel 1: Yes.\n\nChannel 0: And so what about cash flow? So when you've been getting these contribution sorry, pension payments out to you and you've been doing the salary sacrifice, how has that been going for your week to week, fortnight to fortnight pay? Has it been okay?\n\nChannel 1: Yeah. Yeah. No. It's it's been great. Yeah.\n\nI've I've been it just tops it up, you know, for me. So and I kind of been living and looking at that as, you know, a bit of savings as well. You know? So, yeah, it's been it's been good having that extra that it's it's going well, that amount.\n\nChannel 0: Oh, perfect. So it tops it up and then also acts as a bit of forced savings off to the side for you to pull.\n\nChannel 1: Yes.\n\nChannel 0: Yep. Okay.\n\nChannel 1: Yep.\n\nChannel 0: Now do you wanna look at sacrificing more into the super, or should I just keep this top up strategy going where it keeps bringing you back to the same net income?\n\nChannel 1: Yeah. If you wouldn't mind just keeping it at the same at the moment, only because I might look at it early next year and changing it and putting more into I need that I've just got a lot of I've got daughter's wedding. I've got kids you know, I've\n\nChannel 0: Oh,\n\nChannel 1: got\n\nChannel 0: yes.\n\nChannel 1: my I've got a lot of things happening this year. So, you know, a lot of big birthday things happening and trips and stuff like that. So for the moment but I do get what you're saying. I probably might have more that I can put into the super come, you know, mid next year. So, you know, sort of like around April next year.\n\nI you know, when all these things are finished. So, yeah, if if that's a possibility that we\n\nChannel 0: That\n\nChannel 1: can\n\nChannel 0: is\n\nChannel 1: change it at any time\n\nChannel 0: more\n\nChannel 1: or\n\nChannel 0: than\n\nChannel 1: is\n\nChannel 0: okay.\n\nChannel 1: that not possible?\n\nChannel 0: Yes. Anytime that can be changed. So another\n\nChannel 1: Yep.\n\nChannel 0: thing that you could even do if this is easier is if you just keep pulling all your cash savings aside, when it gets to that\n\nChannel 1: Oh,\n\nChannel 0: April time, we can look at a one off contribution into super as we get close\n\nChannel 1: yeah.\n\nChannel 0: to the end of financial year. We don't have to do it regularly. We can do a\n\nChannel 1: Yep.\n\nChannel 0: bit of a one off if we need to.\n\nChannel 1: And does that have to be a certain amount? Like, is that or is that if it can be anything? Like, there's no specific, you know, amounts or anything?\n\nChannel 0: Yeah. Yeah. So what work puts in and what your salary is sacrificing, that's all your nice tax deductible. We call them concessional contributions.\n\nChannel 1: Right.\n\nChannel 0: Now if you pull those two together, what work's paying plus what you're sacrificing, that has a cap of now 32 and a half thousand dollars per year. So we've got the difference to make up between what's going in overall and what's left over in your cap.\n\nChannel 1: Gotcha.\n\nChannel 0: So I'll give you a bit of an example here because I have some percentages in front of me for what you've been putting\n\nChannel 1: Mhmm.\n\nChannel 0: into super. Just bear with me for one moment. So let's say you're putting in 12,000 into your super in total currently.\n\nChannel 1: Yes.\n\nChannel 0: You still have $20,000 left over of your cap plus everything that you haven't used the last five financial years, which is well over a $100,000.\n\nChannel 1: Mhmm.\n\nChannel 0: And then even if we exhaust all of that, somehow, we still have a non concessional cap that's a $130,000 per year. So there's oodles of room to make contributions. It's just about your cash flow priorities at the end of the day.\n\nChannel 1: Right. Okay. Yep.\n\nChannel 0: K? So at\n\nChannel 1: Understand.\n\nChannel 0: the moment, I will do that net zero strategy where what comes out tops you back up, and then we'll talk around April to make sure if you wanna do an extra little contribution, we can talk then as well.\n\nChannel 1: Yes. Yes. That'd be perfect. Thank you.\n\nChannel 0: Amazing. Alrighty. Now that's quite a lot of information. I don't expect\n\nChannel 1: Yes.\n\nChannel 0: you to kind of have all that figured out in your brain because I still have to do some research and put a plan\n\nChannel 1: Yes.\n\nChannel 0: together for you.\n\nChannel 1: Yes. I\n\nChannel 0: But\n\nChannel 1: appreciate\n\nChannel 0: does it make\n\nChannel 1: that.\n\nChannel 0: sense so far?\n\nChannel 1: Yes. It does. Yes. Thank you. You've been very helpful.\n\nI appreciate\n\nChannel 0: No worries\n\nChannel 1: all that\n\nChannel 0: at all.\n\nChannel 1: because, you know, sort of when I first started, it was like, oh, yeah. I'm not retiring yet, but now it seems to be coming up close, and I'm thinking, oh, am I doing the right things? You know, that sort of thing. You know? So it's all\n\nChannel 0: Yeah.\n\nChannel 1: those sort of questions. You know? So\n\nChannel 0: And we have to take it seriously because this will be your life in a few years' time, and we do take it seriously to try and get you there with the least risk necessary so you can be on track for your comfortable retirement goal.\n\nChannel 1: yes. Excellent. Yes. Thank you.\n\nChannel 0: Alrighty. Do you have any questions for me so far?\n\nChannel 1: Yeah. I'm I was just looking at doing a tax return my tax return, and it says, did you have income from Australian super or or funds? Do I have to declare on my tax what I do you know, that top up amount? Do I have to declare that?\n\nChannel 0: I believe so. But after 60, it's all tax free.\n\nChannel 1: Okay. So I should be putting what the amount of what I get that every fortnight, that amount into my tax to say I am claiming that from super.\n\nChannel 0: Oh,\n\nChannel 1: Correct?\n\nChannel 0: a little bit of a difference in terminology. So if they're asking, did you receive an income, I would probably say yes, and then obviously talk to your accountant.\n\nChannel 1: Yep.\n\nChannel 0: It doesn't matter how much we pull out after 60. It's all tax free. So whether you pulled out 5,000 or 50,000 doesn't make a difference there.\n\nChannel 1: Okay. Doesn't really make\n\nChannel 0: But,\n\nChannel 1: a difference.\n\nChannel 0: yeah, but when you do your tax return, there is a section where they say, hey. Have you put more money in and you wanna claim that as a tax deduction? That's not what you were doing.\n\nChannel 1: No. Okay. Yep.\n\nChannel 0: K? It's for\n\nChannel 1: Yep.\n\nChannel 0: people who have already\n\nChannel 1: Yeah.\n\nChannel 0: put money in from their bank accounts and they wanna claim it. So just be careful with that section of the tax return. That's all.\n\nChannel 1: Yep. Okay. I will do that. Thank you. That was one quick and the other question is, like, it's a bit morbid, but, you know, leaving\n\nChannel 0: Cool.\n\nChannel 1: say if anything happened,\n\nChannel 0: Yeah.\n\nChannel 1: I was just sort of getting like, when I retire, like, someone I I sort of read somewhere that, you know, like, I'm I'm leaving it to my kids, my two children. So they seem to pay a lot of tax if I just left it. Does it have to go into a, like, a a trust fund or something? Like, is that something I need to consider when I retire, you know, just in case anything did happen or whatever? How's the best\n\nChannel 0: Yeah.\n\nChannel 1: way to do that for leaving, you know, your money to your to your children? Like, I know that it's not going to my partner. It's going to my I want it to go to my children. So\n\nChannel 0: So with Matthew and Michelle, I would assume that they they would be over 18, wouldn't they?\n\nChannel 1: they are. Yeah.\n\nChannel 0: Yep. So the only unfortunate thing is when when they do the CISACT nominations for who can receive super, they're valid nominations, spouse, children of any age, they count. But when they're over 18, they're no longer a tax dependent. So that's why they\n\nChannel 1: Yes.\n\nChannel 0: cop a bit of tax. So\n\nChannel 1: Yes.\n\nChannel 0: what tends to happen is there's a bit of a calculation of the leftover when people receive a taxable portion of your super. I have seen people put money into, like, a testamentary trust. So when they pass away, they will create the trust fund. And\n\nChannel 1: Yep.\n\nChannel 0: that's really good for people underrating because it's kinda like, here's a million dollars. Let's let you live off of it for a while before we just give you a million dollars. But for the adult children, it only really saves them the Medicare rebate of 2%. It doesn't really minimize the tax much.\n\nChannel 1: Right. Okay.\n\nChannel 0: There is something that we can do, and this is probably as far as I'm gonna go today because this will this will melt the brain a little bit. But\n\nChannel 1: Yes.\n\nChannel 0: did you remember before how I said there's a different type of cap, a nonconcessional cap?\n\nChannel 1: Yes. Yes.\n\nChannel 0: When you hit 65, we can do something called a cash out recontribution, which essentially means pull out the majority of your money out of super and then throw\n\nChannel 1: Yes.\n\nChannel 0: it all back in again as a non concessional contribution so it sits there in the tax free portion. It's essentially washing the funds after the age of 65.\n\nChannel 1: Yep. Actually and that was the next question. I was because I had read about that, and I thought, oh, I wonder if that's a good thing to do and if that's another way of getting around that. You know? So, yeah, you've answered my question there.\n\nSo that's after 65. Like, you can do that.\n\nChannel 0: Yeah. So my plan for you at the moment is we'll update the the transition pension strategy now. When you hit '65, we will do that recontribution with you.\n\nChannel 1: Yes. Yes.\n\nChannel 0: And then '66, '67, you'll be in your full pension retired. So we'll kind of, we've got a three different strategies to do with you every couple of\n\nChannel 1: Yep. Yep.\n\nChannel 0: years. K.\n\nChannel 1: Perfect.\n\nChannel 0: So leave that with me. We don't do it today,\n\nChannel 1: No.\n\nChannel 0: but\n\nChannel 1: No.\n\nChannel 0: we will\n\nChannel 1: Sorry.\n\nChannel 0: do that\n\nChannel 1: Sorry\n\nChannel 0: at sixty\n\nChannel 1: to take\n\nChannel 0: five.\n\nChannel 1: up your time with asking that. Sorry. Yeah.\n\nChannel 0: That is a fantastic question, actually, and they're all brilliant questions. So I've already put in some notes on your file that we're gonna look at one, two, three, and every\n\nChannel 1: Yep.\n\nChannel 0: review, we're just gonna have this discussion. Are we on track? Do we reduce\n\nChannel 1: Yep.\n\nChannel 0: risk? What other strategies should we do?\n\nChannel 1: Excellent. That's great. Thank\n\nChannel 0: Amazing.\n\nChannel 1: you.\n\nChannel 0: Okay. Sensational. So I'm really glad I got you today for this review because it's been\n\nChannel 1: Yeah.\n\nChannel 0: an\n\nChannel 1: Thank\n\nChannel 0: excellent\n\nChannel 1: you so much. I appreciate\n\nChannel 0: That's\n\nChannel 1: it.\n\nChannel 0: okay. From here, so beneficiaries will stay the same. Have you put in place, like, a will or a power of attorney yet?\n\nChannel 1: Yes. I have got a will, but it's a handwritten will. I do need to look at that, and I will and I don't have power of attorney, so I have to look at both those things to get that\n\nChannel 0: Yep.\n\nChannel 1: sorted. Yeah.\n\nChannel 0: Okay. So few options. Some people go to the old $25 will kit from the post office, government approved. Not the fanciest, but they're okay.\n\nChannel 1: No.\n\nChannel 0: You've got the solicitors, and you've got the public trustee at the courthouse as well. So there's a few different options for you, but I'll just include a reminder in your plan to to get that sorted at\n\nChannel 1: Yes. To\n\nChannel 0: some point.\n\nChannel 1: get that, that'd be wonderful.\n\nChannel 0: Yep. Alrighty. We're not doing anything with insurances at the moment. It's really just finishing off the growth of the super, and\n\nChannel 1: Yes.\n\nChannel 0: beneficiaries can stay the way they are.\n\nChannel 1: Correct. Mhmm.\n\nChannel 0: Amazing. So that's pretty much everything that I needed so far. You've already\n\nChannel 1: Excellent.\n\nChannel 0: signed a service agreement with us.\n\nChannel 1: Yes. Yes. I\n\nChannel 0: So,\n\nChannel 1: hope that all came through okay.\n\nChannel 0: yes, perfectly fine, and it's all been applied. So we still have consent on your accounts to be the advisers and look after things.\n\nChannel 1: Yes.\n\nChannel 0: One thing that'll happen next year is we are bringing in a bit of a tiered fee structure so that everyone above 200,000 will start to get some discounts. So once we build all the the financial services guide and paperwork out, that'll be coming down the road next year for you as well.\n\nChannel 1: Excellent. That sounds good. Thank you.\n\nChannel 0: Alright, Sue. That's amazing. Is there anything else\n\nChannel 1: Wonderful.\n\nChannel 0: I can help with today?\n\nChannel 1: No. No. You've answered all my questions. Thank you. I appreciate that, and I look forward to what you're going to send me.\n\nSo thank you very much.\n\nChannel 0: Amazing. So from here, I will go do some research and crunch the numbers with the team.\n\nChannel 1: Yes.\n\nChannel 0: I will just send out the usual satisfaction survey message to you. And from there, just keep an eye out. We'll probably give you a call in a couple of weeks to book in to go through the updated plan with\n\nChannel 1: Yep.\n\nChannel 0: me.\n\nChannel 1: Yep. That sounds fantastic. Thank you so much.\n\nChannel 0: Amazing, Sue. Thank you so much for your time today. You have a\n\nChannel 1: Thank\n\nChannel 0: great week.\n\nChannel 1: you. You too. Thank you. Thank\n\nChannel 0: Thank you.\n\nChannel 1: you.\n\nChannel 0: Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"If you record your name and reason for calling Hello.","start":0.16,"end":4.64,"sentiment":"neutral","sentiment_score":0.00419432558119297},{"text":"Sue speaking.","start":4.64,"end":5.46,"sentiment":"neutral","sentiment_score":0.008469528052955866}],"sentiment":"neutral","sentiment_score":0.004906859326486786,"channel":1,"num_words":12,"start":0.16,"end":5.46},{"sentences":[{"text":"Hi, Sue.","start":5.8399997,"end":6.48,"sentiment":"neutral","sentiment_score":0.04091818258166313},{"text":"Tommy here, senior adviser.","start":6.48,"end":7.68,"sentiment":"neutral","sentiment_score":0.057831778191030025},{"text":"I work for you.","start":7.68,"end":8.24,"sentiment":"neutral","sentiment_score":0.05347641929984093},{"text":"How are you doing?","start":8.24,"end":8.98,"sentiment":"neutral","sentiment_score":0.09148124605417252}],"sentiment":"neutral","sentiment_score":0.06378529566739287,"channel":0,"num_words":14,"start":5.8399997,"end":8.98},{"sentences":[{"text":"I'm good.","start":9.2,"end":9.679999,"sentiment":"positive","sentiment_score":0.37343747913837433},{"text":"Thank you.","start":9.679999,"end":10.16,"sentiment":"positive","sentiment_score":0.5669069141149521},{"text":"How are you?","start":10.16,"end":10.9,"sentiment":"neutral","sentiment_score":0.25477201243241626}],"sentiment":"positive","sentiment_score":0.37785783197198597,"channel":1,"num_words":7,"start":9.2,"end":10.9},{"sentences":[{"text":"I'm doing absolutely fantastic.","start":11.12,"end":12.74,"sentiment":"positive","sentiment_score":0.7444568872451782},{"text":"It's a beautiful cool end of the day.","start":12.799999,"end":14.639999,"sentiment":"positive","sentiment_score":0.6736988499760628},{"text":"What about your end?","start":14.639999,"end":15.795,"sentiment":"neutral","sentiment_score":0.11190655268728733}],"sentiment":"positive","sentiment_score":0.5509402849711478,"channel":0,"num_words":16,"start":11.12,"end":15.795},{"sentences":[{"text":"Oh, yes.","start":16.185,"end":16.664999,"sentiment":"neutral","sentiment_score":0.11960453912615776},{"text":"Yes.","start":16.664999,"end":16.985,"sentiment":"neutral","sentiment_score":0.20527473092079165},{"text":"Lovely here in Townsville.","start":16.985,"end":18.585,"sentiment":"positive","sentiment_score":0.4608977735042572},{"text":"So nice and sunny and, yeah, not too cold.","start":18.585,"end":22.105,"sentiment":"positive","sentiment_score":0.46894511580467224},{"text":"So lovely.","start":22.105,"end":22.824999,"sentiment":"positive","sentiment_score":0.6499426066875458}],"sentiment":"positive","sentiment_score":0.4338036754892932,"channel":1,"num_words":18,"start":16.185,"end":22.824999},{"sentences":[{"text":"Thank you.","start":22.824999,"end":23.564999,"sentiment":"positive","sentiment_score":0.635971337556839}],"sentiment":"positive","sentiment_score":0.635971337556839,"channel":1,"num_words":2,"start":22.824999,"end":23.564999},{"sentences":[{"text":"Amazing.","start":23.955,"end":24.435,"sentiment":"positive","sentiment_score":0.7204031348228455},{"text":"Amazing.","start":24.435,"end":24.935,"sentiment":"positive","sentiment_score":0.6372226476669312},{"text":"Now I'm just gonna go through a bit of an annual review with you just to go through some updates on the super there.","start":25.075,"end":30.42,"sentiment":"neutral","sentiment_score":0.14326736579338709},{"text":"I just wanted to quickly check security with you.","start":31.3,"end":33.86,"sentiment":"neutral","sentiment_score":0.052230810539589986},{"text":"Do you recall your client password with us?","start":33.86,"end":36.92,"sentiment":"neutral","sentiment_score":0.017543983063660562}],"sentiment":"neutral","sentiment_score":0.12573190048596886,"channel":0,"num_words":43,"start":23.955,"end":36.92},{"sentences":[{"text":"Yes.","start":39.3,"end":39.54,"sentiment":"neutral","sentiment_score":0.0672498568892479},{"text":"It is too.","start":39.54,"end":40.1,"sentiment":"neutral","sentiment_score":0.16033264497915903},{"text":"And how fantastic to be in the top eight all of a sudden.","start":40.1,"end":42.435,"sentiment":"positive","sentiment_score":0.5448293342040136}],"sentiment":"positive","sentiment_score":0.44888406685170007,"channel":0,"num_words":17,"start":39.3,"end":42.435},{"sentences":[{"text":"Cowboys?","start":42.455,"end":42.955,"sentiment":"neutral","sentiment_score":0.17864075303077698},{"text":"Yeah.","start":43.015,"end":43.515,"sentiment":"positive","sentiment_score":0.3354792594909668},{"text":"It was a good win on Sunday or Sunday whenever day.","start":43.895,"end":46.855,"sentiment":"positive","sentiment_score":0.5803408487276598},{"text":"It was a good win.","start":46.855,"end":47.815002,"sentiment":"positive","sentiment_score":0.5827284097671509},{"text":"Yeah.","start":47.815002,"end":48.315002,"sentiment":"positive","sentiment_score":0.5571494698524475}],"sentiment":"positive","sentiment_score":0.5457189930112738,"channel":1,"num_words":19,"start":42.455,"end":48.315002},{"sentences":[{"text":"It was brilliant.","start":48.675003,"end":49.395,"sentiment":"positive","sentiment_score":0.7405760685602824},{"text":"I had my wife and my my son in the jerseys there cheering him on and","start":49.395,"end":53.175003,"sentiment":"positive","sentiment_score":0.35764730256050825}],"sentiment":"positive","sentiment_score":0.4181097392973147,"channel":0,"num_words":19,"start":48.675003,"end":53.175003},{"sentences":[{"text":"Oh, did you?","start":53.0,"end":53.82,"sentiment":"neutral","sentiment_score":0.1097466175754865}],"sentiment":"neutral","sentiment_score":0.1097466175754865,"channel":1,"num_words":3,"start":53.0,"end":53.82},{"sentences":[{"text":"looking forward","start":53.395,"end":53.955,"sentiment":"neutral","sentiment_score":0.19965502619743347}],"sentiment":"neutral","sentiment_score":0.19965502619743347,"channel":0,"num_words":2,"start":53.395,"end":53.955},{"sentences":[{"text":"Oh,","start":53.879997,"end":54.039997,"sentiment":"positive","sentiment_score":0.33707207441329956}],"sentiment":"positive","sentiment_score":0.33707207441329956,"channel":1,"num_words":1,"start":53.879997,"end":54.039997},{"sentences":[{"text":"to the","start":53.955,"end":54.195,"sentiment":"positive","sentiment_score":0.4693731665611267}],"sentiment":"positive","sentiment_score":0.4693731665611267,"channel":0,"num_words":2,"start":53.955,"end":54.195},{"sentences":[{"text":"excellent.","start":54.039997,"end":54.539997,"sentiment":"positive","sentiment_score":0.42633748054504395}],"sentiment":"positive","sentiment_score":0.42633748054504395,"channel":1,"num_words":1,"start":54.039997,"end":54.539997},{"sentences":[{"text":"finals.","start":54.195,"end":54.695,"sentiment":"neutral","sentiment_score":0.27814674377441406},{"text":"They're from Bowen, her family.","start":55.155,"end":57.175003,"sentiment":"neutral","sentiment_score":0.09725592881441117}],"sentiment":"neutral","sentiment_score":0.12740439797441164,"channel":0,"num_words":6,"start":54.195,"end":57.175003},{"sentences":[{"text":"Oh, okay.","start":57.48,"end":58.199997,"sentiment":"neutral","sentiment_score":0.05380595289170742},{"text":"Yeah.","start":58.199997,"end":58.6,"sentiment":"neutral","sentiment_score":0.041645899415016174},{"text":"Oh, well, there's big capital East of Lisbon.","start":58.6,"end":60.78,"sentiment":"neutral","sentiment_score":0.06819672789424658},{"text":"Oh, that's lovely.","start":61.479996,"end":62.379997,"sentiment":"positive","sentiment_score":0.42381076018015545}],"sentiment":"neutral","sentiment_score":0.14044742206377642,"channel":1,"num_words":14,"start":57.48,"end":62.379997},{"sentences":[{"text":"Absolutely.","start":62.050003,"end":62.550003,"sentiment":"neutral","sentiment_score":0.25020506978034973},{"text":"Now I've got there's a little bit of a pack I'm gonna send through to you after this call just with some reports for your own","start":63.25,"end":69.81,"sentiment":"neutral","sentiment_score":0.03231387098248188}],"sentiment":"neutral","sentiment_score":0.040383915382402914,"channel":0,"num_words":27,"start":62.050003,"end":69.81},{"sentences":[{"text":"Yes.","start":69.595,"end":70.095,"sentiment":"neutral","sentiment_score":0.02156909368932247}],"sentiment":"neutral","sentiment_score":0.02156909368932247,"channel":1,"num_words":1,"start":69.595,"end":70.095},{"sentences":[{"text":"records.","start":69.81,"end":70.31,"sentiment":"neutral","sentiment_score":0.014301151037216188},{"text":"Now before I jump through the review, bit of a details update, options for the super, is there anything in particular you would like to focus on for this call?","start":71.564995,"end":80.545,"sentiment":"neutral","sentiment_score":0.0096908758704861}],"sentiment":"neutral","sentiment_score":0.009839594424251587,"channel":0,"num_words":31,"start":69.81,"end":80.545},{"sentences":[{"text":"I just wanna know how I'm 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you're in a transition to retirement strategy at the moment with the pension","start":361.315,"end":366.35498,"sentiment":"neutral","sentiment_score":0.14652097118752344}],"sentiment":"neutral","sentiment_score":0.13320133909583093,"channel":0,"num_words":15,"start":360.75497,"end":366.35498},{"sentences":[{"text":"Yes.","start":366.29498,"end":366.79498,"sentiment":"neutral","sentiment_score":0.2263579219579697}],"sentiment":"neutral","sentiment_score":0.2263579219579697,"channel":1,"num_words":1,"start":366.29498,"end":366.79498},{"sentences":[{"text":"and the super and the contributions.","start":366.35498,"end":367.815,"sentiment":"neutral","sentiment_score":0.27648768325646716},{"text":"Does all that ring a bell?","start":367.875,"end":369.03,"sentiment":"neutral","sentiment_score":0.18657954533894858}],"sentiment":"neutral","sentiment_score":0.23153361429770788,"channel":0,"num_words":12,"start":366.35498,"end":369.03},{"sentences":[{"text":"Yes.","start":369.52002,"end":369.92,"sentiment":"neutral","sentiment_score":0.267389714717865},{"text":"Yes.","start":369.92,"end":370.42,"sentiment":"neutral","sentiment_score":0.29826968908309937}],"sentiment":"neutral","sentiment_score":0.2828297019004822,"channel":1,"num_words":2,"start":369.52002,"end":370.42},{"sentences":[{"text":"So because you've been doing all those extra contributions, we can well, I'll break it down for a quick second.","start":370.71,"end":376.79,"sentiment":"neutral","sentiment_score":0.31471282094717024},{"text":"You've got a 140,000 in your super account, and the rest of it, 212,000 that's sitting in your pension 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but","start":404.88998,"end":407.29,"sentiment":"neutral","sentiment_score":0.06213901688655218}],"sentiment":"neutral","sentiment_score":0.09261083406837363,"channel":0,"num_words":19,"start":400.81,"end":407.29},{"sentences":[{"text":"Yep.","start":407.24002,"end":407.74002,"sentiment":"neutral","sentiment_score":0.245758056640625}],"sentiment":"neutral","sentiment_score":0.245758056640625,"channel":1,"num_words":1,"start":407.24002,"end":407.74002},{"sentences":[{"text":"you get to claim that difference in the tax to boost up your 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accurate?","start":418.39502,"end":419.45502,"sentiment":"neutral","sentiment_score":0.2230168804526329}],"sentiment":"neutral","sentiment_score":0.2177479298491227,"channel":0,"num_words":19,"start":413.67502,"end":419.45502},{"sentences":[{"text":"I've got an update on that.","start":420.17502,"end":422.355,"sentiment":"neutral","sentiment_score":0.10594402998685837}],"sentiment":"neutral","sentiment_score":0.10594402998685837,"channel":1,"num_words":6,"start":420.17502,"end":422.355},{"sentences":[{"text":"Mhmm.","start":422.555,"end":423.055,"sentiment":"neutral","sentiment_score":0.06823757290840149},{"text":"Go for","start":423.195,"end":423.93,"sentiment":"neutral","sentiment_score":0.04683631658554077}],"sentiment":"neutral","sentiment_score":0.05397006869316101,"channel":0,"num_words":3,"start":422.555,"end":423.93},{"sentences":[{"text":"So I I've got my tax return, and it's so I did a bit of overtime this 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actual base is, if you'd like, and and let you know.","start":495.165,"end":505.345,"sentiment":"neutral","sentiment_score":0.08690476962007009}],"sentiment":"neutral","sentiment_score":0.06386691335312746,"channel":1,"num_words":54,"start":482.9,"end":505.345},{"sentences":[{"text":"That would be fantastic if you could.","start":505.94,"end":508.035,"sentiment":"positive","sentiment_score":0.6803019727979388}],"sentiment":"positive","sentiment_score":0.6803019727979388,"channel":0,"num_words":7,"start":505.94,"end":508.035},{"sentences":[{"text":"But I'd say probably wouldn't do as much overtime as what what we did at the beginning of last of this year.","start":508.81,"end":515.69,"sentiment":"neutral","sentiment_score":0.018509730584231544},{"text":"So I'd say, you know, it'd be around if I took that nearly $2 off, I'd say it'd be around the 74 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representative from Hello. Sue discusses updating security records and retirement goals with Tommy, including a plan to retire and possibly increase super contributions. They also discuss retirement strategy and the importance of researching options and updating portfolios. The speaker emphasizes the importance of researching options and updating portfolios, and provides information on leaving a trust fund after retirement. The retirement process involves filling out a pension plan and updating retirement projections. The agent explains the process for leaving a trust fund and provides information on the retirement process and transition pension strategy. The customer asks about leaving Cool's money in a trust fund, and the agent explains the process and provides information on leaving their retirement retirement plan and retirement projection."},"intents":{"segments":[{"text":"Now I'm just gonna go through a bit of an annual review with you just to go through some updates on the super there. I just wanted to quickly check security with you. Do you recall your client password with us? Yes. It is too.","start_word":71,"end_word":115,"intents":[{"intent":"Inform about update","confidence_score":0.00005910283}]},{"text":"Like, I just wanna know the ins and outs about that, like, when I do finish work, what because I was going to finish in two years, and then I've got a lot of long service leave and holidays. So that was gonna take me up to a year out from my 60 birthday, so when I was Yeah.","start_word":352,"end_word":410,"intents":[{"intent":"Find out about work and retirement plan","confidence_score":0.000048444905}]},{"text":"Now you're in a transition to retirement strategy at the moment with the pension Yes.","start_word":1071,"end_word":1085,"intents":[{"intent":"Check retirement strategy","confidence_score":0.00831557}]},{"text":"So I will work off the 74,000 for now. We'll update it slightly once we get that back from you, but that's enough for me to kind of do some updated planning for you. Excellent.","start_word":1504,"end_word":1538,"intents":[{"intent":"Update retirement plan","confidence_score":0.12573127}]},{"text":"I'm just going to do a little bit of an update on your portfolio, just a bit of an engine tune up. We'll switch out a couple of options because you have eight. If one or two aren't doing so well, that's not the end of the world, but I would like to just fix that up for you.","start_word":1818,"end_word":1876,"intents":[{"intent":"Update portfolio","confidence_score":0.43622744}]},{"text":"We'll switch out a couple of options because you have eight. If one or two aren't doing so well, that's not the end of the world, but I would like to just fix that up for you.","start_word":1840,"end_word":1876,"intents":[{"intent":"Switch options","confidence_score":0.049194545}]},{"text":"So if we tune up the portfolio a little bit, we won't change the risk level at the moment, and we just beef up your recontribution strategy. That should get you the best outcome over the next couple of years.","start_word":2130,"end_word":2169,"intents":[{"intent":"Manage portfolio","confidence_score":0.013230354}]},{"text":"I was just gonna go through a bit of a a risk discussion with you just so I can explain the ins and outs there. But if you had a Mhmm. question first, please, by all means, ask it because this will be a few minutes. Okay.","start_word":2194,"end_word":2240,"intents":[{"intent":"Discuss risks and expenses","confidence_score":0.0033031644}]},{"text":"When you fully retire, you will have access Yeah. to all of your funds. Yep.","start_word":2330,"end_word":2344,"intents":[{"intent":"Determine availability of funds","confidence_score":0.0013945369},{"intent":"Access funds","confidence_score":0.5686257}]},{"text":"the holiday at age 65? Yeah.","start_word":2480,"end_word":2485,"intents":[{"intent":"Discuss holiday plans","confidence_score":0.10258187}]},{"text":"that you're prioritizing growing it a bit more so than protecting it or protecting it more than growing?","start_word":2856,"end_word":2873,"intents":[{"intent":"Prioritize growth","confidence_score":0.6672957}]},{"text":"you So know, now our that options I'm getting realistically quotes. is we either keep it at the same medium risk level for another year Yeah.","start_word":2915,"end_word":2940,"intents":[{"intent":"Get quotes","confidence_score":0.49111328},{"intent":"Discuss options","confidence_score":0.20190516}]},{"text":"is we either keep it at the same medium risk level for another year Yeah.","start_word":2926,"end_word":2940,"intents":[{"intent":"Keep risk level","confidence_score":0.097351804}]},{"text":"or we start reducing down a little bit further now or we just do that next year.","start_word":2941,"end_word":2957,"intents":[{"intent":"Reduce risk","confidence_score":0.0027709305}]},{"text":"will recommend reducing the risk level down. If it's still a Yep. bit of a a medium certainty, then I'll keep it as is for one more year. Yep.","start_word":3293,"end_word":3321,"intents":[{"intent":"Improve decision-making","confidence_score":0.00020057823}]},{"text":"So other details to update, we've got no change in your role, just the income Yes. will clarify.","start_word":3584,"end_word":3601,"intents":[{"intent":"Update and clarify income","confidence_score":0.04038996}]},{"text":"Assets and liabilities, we just had the the car and the credit card. Yep.","start_word":3622,"end_word":3635,"intents":[{"intent":"Provide account details","confidence_score":0.0022869764}]},{"text":"And do you have a a bunch of sort of savings, rainy day funds set aside in case something happens?","start_word":3638,"end_word":3657,"intents":[{"intent":"Provide savings","confidence_score":0.0048475354},{"intent":"Discuss savings","confidence_score":0.13283782},{"intent":"Discuss super savings","confidence_score":0.00063614704}]},{"text":"Now do you wanna look at sacrificing more into the super, or should I just keep this top up strategy going where it keeps bringing you back to the same net income? Yeah.","start_word":3800,"end_word":3832,"intents":[{"intent":"Discuss super strategy","confidence_score":0.020145345},{"intent":"Consider sacrificing extra money","confidence_score":0.000009743862}]},{"text":"my I've got a lot of things happening this year. So, you know, a lot of big birthday things happening and trips and stuff like that.","start_word":3885,"end_word":3910,"intents":[{"intent":"Discuss big birthdays","confidence_score":0.00062754884}]},{"text":"Yes.","start_word":3984,"end_word":3984,"intents":[{"intent":"Change contribution amount","confidence_score":0.24912399}]},{"text":"you to kind of have all that figured out in your brain because I still have to do some research and put a plan Yes. together for you.","start_word":4352,"end_word":4379,"intents":[{"intent":"Set up plan","confidence_score":0.0012977031}]},{"text":"yeah, but when you do your tax return, there is a section where they say, hey. Have you put more money in and you wanna claim that as a tax deduction? That's not what you were doing. No.","start_word":4681,"end_word":4718,"intents":[{"intent":"Confirm deduction","confidence_score":0.0012809531}]},{"text":"Does it have to go into a, like, a a trust fund or something? Like, is that something I need to consider when I retire, you know, just in case anything did happen or whatever?","start_word":4833,"end_word":4867,"intents":[{"intent":"Consider trust fund","confidence_score":0.2035175}]},{"text":"what tends to happen is there's a bit of a calculation of the leftover when people receive a taxable portion of your super.","start_word":4982,"end_word":5004,"intents":[{"intent":"Calculate leftover tax","confidence_score":0.14442547}]},{"text":"So my plan for you at the moment is we'll update the the transition pension strategy now. When you hit '65, we will do that recontribution with you. Yes. Yes. And then '66, '67, you'll be in your full pension retired. So we'll kind of, we've got a three different strategies to do with you every couple of Yep.","start_word":5250,"end_word":5308,"intents":[{"intent":"Align retirement strategy","confidence_score":0.0004215558}]},{"text":"Do we reduce Yep. risk? What other strategies should we do?","start_word":5388,"end_word":5398,"intents":[{"intent":"Address risk management","confidence_score":0.00012870829}]}]},"sentiments":{"segments":[{"text":"If you record your name and reason for calling Hello. Sue speaking. Hi, Sue. Tommy here, senior adviser. I work for you. How are you doing?","start_word":0,"end_word":25,"sentiment":"neutral","sentiment_score":0.039306968450546265},{"text":"I'm good. Thank you.","start_word":26,"end_word":29,"sentiment":"positive","sentiment_score":0.4344638586044311},{"text":"How are you?","start_word":30,"end_word":32,"sentiment":"neutral","sentiment_score":0.262573778629303},{"text":"I'm doing absolutely fantastic. It's a beautiful cool end of the day.","start_word":33,"end_word":44,"sentiment":"positive","sentiment_score":0.6989848613739014},{"text":"What about your end? Oh, yes. Yes.","start_word":45,"end_word":51,"sentiment":"neutral","sentiment_score":0.14091329276561737},{"text":"Lovely here in Townsville. So nice and sunny and, yeah, not too cold. So lovely. Thank you. Amazing. Amazing.","start_word":52,"end_word":70,"sentiment":"positive","sentiment_score":0.5291416049003601},{"text":"Now I'm just gonna go through a bit of an annual review with you just to go through some updates on the super there. I just wanted to quickly check security with you. Do you recall your client password with us? Yes. It is too.","start_word":71,"end_word":115,"sentiment":"neutral","sentiment_score":0.10404129326343536},{"text":"And how fantastic to be in the top eight all of a sudden.","start_word":116,"end_word":128,"sentiment":"positive","sentiment_score":0.5381735563278198},{"text":"Cowboys?","start_word":129,"end_word":129,"sentiment":"neutral","sentiment_score":0.17864075303077698},{"text":"Yeah. It was a good win on Sunday or Sunday whenever day. It was a good win. Yeah. It was brilliant.","start_word":130,"end_word":150,"sentiment":"positive","sentiment_score":0.5858690738677979},{"text":"I had my wife and my my son in the jerseys there cheering him on and Oh, did you?","start_word":151,"end_word":169,"sentiment":"neutral","sentiment_score":0.30444765090942383},{"text":"looking forward Oh, to the excellent.","start_word":170,"end_word":175,"sentiment":"positive","sentiment_score":0.35810941457748413},{"text":"finals. They're from Bowen, her family. Oh, okay. Yeah. Oh, well, there's big capital East of Lisbon.","start_word":176,"end_word":192,"sentiment":"neutral","sentiment_score":0.09179986268281937},{"text":"Oh, that's lovely.","start_word":193,"end_word":195,"sentiment":"positive","sentiment_score":0.4310176968574524},{"text":"Absolutely. Now I've got there's a little bit of a pack I'm gonna send through to you after this call just with some reports for your own Yes. records. Now before I jump through the review, bit of a details update, options for the super, is there anything in particular you would like to focus on for this call? I just wanna know how I'm tracking. I've kind of made a decision to only work for two more years Okay. and retire. So I just wanna know, should I be upping the ante a bit more or you know, I'll probably have to like, I won't receive my attention until I probably have to work just have my super for a full year, you know, rely on that until I get a pension, you know, and and work and and know if I can work if I'm drawing down more of my super as well. Like, I just wanna know the ins and outs about that, like, when I do finish work, what because I was going to finish in two years, and then I've got a lot of long service leave and holidays. So that was gonna take me up to a year out from my 60 birthday, so when I was Yeah. 66. And then for that year, I was just gonna rely on my super just download you know, and and working just part time a little a little bit here and there just to help myself out. So I was wondering, you know I mean, I don't have a great deal in sleep, but I was just wondering is there anything more I should be doing or upping the ante a bit more? You know, is that the advice that you would give so that I can get, you know, be on a better spot in two years time? Like, is there something I should be doing two years out? Yeah. You know?","start_word":196,"end_word":522,"sentiment":"neutral","sentiment_score":-0.01506015905236045},{"text":"Fantastic, Susan. I love these questions. This is brilliant because I've got a whole plan in mind for you, and I wanna Mhmm.","start_word":523,"end_word":545,"sentiment":"positive","sentiment_score":0.646125853061676},{"text":"kinda just work through a few options for you. So Yep. when it comes to that two year period, so in two years' time, twelve months of leave and then twelve months of super only, bit of a combination of part time work, age pension mixed in, it's actually Yep.","start_word":546,"end_word":595,"sentiment":"neutral","sentiment_score":0.15887299180030823},{"text":"looking pretty, pretty good.","start_word":596,"end_word":599,"sentiment":"positive","sentiment_score":0.4280662536621094},{"text":"Yep. So when I look at total balances, I've got a retirement goal here from you that you're probably only aiming for about $500 a week after tax Yes. to live on. Does that still sound okay? Yeah. No. That sounds okay. Yes. Mhmm. Perfect. So when you retire and you've got all your super just sitting there, let's just say you're only relying on your super, you still haven't invested conservatively. So it's trying to generate a little bit of a return. Kinda like money in the bank, it's trying to earn its four or 5%. When you retire, you're not trying to aim for, you know, 20%. You're not trying to aim for high risk. Does that make Yes. sense? So what happens is if you can put it in something conservative where it pays 5%, but then you pull out 5% to live off, then the money's not gonna go Yes. down. Right. So if you earn 20,000, pull out 20,000, the super is just gonna last until age 90, 100, 100 and 20, however long. If you need to pull out more than 5%, it will slowly go down and eventually run out. Does that make sense? Yep. Mhmm. So for a $500 a week goal, you essentially need 520,000 to be perfectly okay no matter what or Yes. at minimum, 260,000. So 260,000 would see it last until just after life expectancy because the pension will Right. kick in as well, and that Yep. should last until age, say, 92. Right. And Mhmm. you're sitting with 350,000 in total currently. Yes. So what that basically means is we do just have these last couple of years to get a little bit more growth out of it, a little bit more contributions, and Yes. then you may only need to pull out six or 7%. It'll slowly go down, but not until it won't run out until you're over a 100. Okay?","start_word":600,"end_word":925,"sentiment":"neutral","sentiment_score":0.1082463854112508},{"text":"So tracking very, very well, but there are a number of things that we can Excellent. do.","start_word":926,"end_word":942,"sentiment":"positive","sentiment_score":0.3843733370304108},{"text":"Brush. Mhmm. The first thing is I wouldn't take on more risk because you're already sitting kind of medium at the moment. You're in a balanced Yep. fund. It's kind of right in the middle. Yep. So that was Now one of if the questions I I was gonna ask, you know, just your advice on that.","start_word":943,"end_word":999,"sentiment":"neutral","sentiment_score":0.04926131293177605},{"text":"So that's good. Thank you.","start_word":1000,"end_word":1004,"sentiment":"positive","sentiment_score":0.5074591040611267},{"text":"yeah.","start_word":1005,"end_word":1005,"sentiment":"neutral","sentiment_score":-0.049434810876846313},{"text":"Because if you bumped it up in risk level, let's say the stock market crashes next year, you could lose 40% of the super just before you start living off of it.","start_word":1006,"end_word":1037,"sentiment":"negative","sentiment_score":-0.35531067848205566},{"text":"Yeah. Yep. Yep. And we don't want that to happen because that's No. probably That's right. you've spent all this time building it up. Let's actually protect Yeah. it. Yep. Yep. K? Now you're in a transition to retirement strategy at the moment with the pension Yes. and the super and the contributions. Does all that ring a bell? Yes. Yes. So because you've been doing all those extra contributions, we can well, I'll break it down for a quick second. You've got a 140,000 in your super account, and the rest of it, 212,000 that's sitting in your pension account. Right. Mhmm.","start_word":1038,"end_word":1140,"sentiment":"neutral","sentiment_score":0.15508891135743522},{"text":"So we could essentially pull more money across from your super account, give you a bigger pension account, which allows you to pull more out and do more contributions back in.","start_word":1141,"end_word":1171,"sentiment":"positive","sentiment_score":0.4537699520587921},{"text":"Okay. Mhmm. Do you remember that strategy of, like, you put it in salary sacrifice? It's only taxed at 15%, but Yep. you get to claim that difference in the tax to boost up your super. Yes. Yes. Mhmm. So because your I think your income last check was around about the 69,000 mark. Is that pretty accurate? I've got an update on that. Mhmm. Go for So I I've got my tax return, and it's so I did a bit of overtime this year. Yep. So it's now up around 60 sorry. 76,407. Okay. And do you think that would be pretty close to the mark for this financial year? I don't think we'll probably do as much overtime. Like, I only did 2,000 in overtime. Yep. I I wouldn't think that that would be a a case. So I'd say probably around the 74,000, I'd say. Okay. I can base it off 74,000.","start_word":1172,"end_word":1326,"sentiment":"neutral","sentiment_score":0.08543850481510162},{"text":"That's no worries at all.","start_word":1327,"end_word":1331,"sentiment":"positive","sentiment_score":0.3794612586498261},{"text":"If if that's what it is, like, it is because it's got your taxable work and leave 73,000, then allowances, and overtime, it came up to seven taxable payments $76.04 $0.07. So that's what I earned, isn't it? Yes. That's And then right. it's got pretax amount, super, and then yeah. So it's had a big breakdown of it, but, yeah, that looks like what? I can double check that tomorrow. I can look in our payroll and just double check that, you know, what my actual base is, if you'd like, and and let you know.","start_word":1332,"end_word":1428,"sentiment":"neutral","sentiment_score":0.11525186304886316},{"text":"That would be fantastic if you could.","start_word":1429,"end_word":1435,"sentiment":"positive","sentiment_score":0.6805666089057922},{"text":"But I'd say probably wouldn't do as much overtime as what what we did at the beginning of last of this year. So I'd say, you know, it'd be around if I took that nearly $2 off, I'd say it'd be around the 74 mark. 74, Mark. Pretty safe bet. Yeah. Yeah. But I I might just double check that if that's okay. Yep. Yeah.","start_word":1436,"end_word":1500,"sentiment":"neutral","sentiment_score":0.06733398884534836},{"text":"That'd be fantastic. So I will work off the 74,000 for now. We'll update it slightly once we get that back from you, but that's enough for me to kind of do some updated planning for you. Excellent.","start_word":1501,"end_word":1538,"sentiment":"positive","sentiment_score":0.3836882710456848},{"text":"Mhmm. So if you're okay with that strategy, I wanna just kind of ramp that up a little bit where Yep. we fill up your pension a bit more, pull a bit more out of super, and put a bit more back in. Yes. Mhmm. So what I'll do is I'll do a bit of a double. I'll update a plan for you with what those calculations look like to get you the most benefit. And Yes. included in that, I'll do a bit of a retirement projection where we go, okay. Here's a two year plan, twelve months of living off of leave, and then a year of just super, and then how do the funds look from age pension age onwards. Does that sound okay? Yes. Yep.","start_word":1539,"end_word":1667,"sentiment":"neutral","sentiment_score":0.16594330966472626},{"text":"That sounds great.","start_word":1668,"end_word":1670,"sentiment":"positive","sentiment_score":0.5087062120437622},{"text":"Mhmm.","start_word":1671,"end_word":1671,"sentiment":"neutral","sentiment_score":0.19423815608024597},{"text":"Perfect.","start_word":1672,"end_word":1672,"sentiment":"positive","sentiment_score":0.34757566452026367},{"text":"What I'll do alongside that, so when it comes to the other thing that we can do, which is the investments inside the super, You've had a really good return this year even though the markets Yes. have kind of gone crazy with the world Yeah. exploding. Yeah. I was a little bit worried. Yeah. But, no, it seems pretty good. Yeah. So you're usually in a balanced risk profile aiming for that kind of 7% average would be really good. Some years higher, some years Yeah. lower. Yep.","start_word":1673,"end_word":1761,"sentiment":"neutral","sentiment_score":0.09440121054649352},{"text":"You've pretty Yep. well hit between six and a half and seven and a half percent after fees the last twelve months, so it's still tracking pretty good.","start_word":1762,"end_word":1789,"sentiment":"positive","sentiment_score":0.45930948853492737},{"text":"Tracking while there. Yeah. What I will do, though, is I have noticed one of the investment options has been dragging its feet a little bit. So Yep. I'm just going to do a little bit of an update on your portfolio, just a bit of an engine tune up. We'll switch out a couple of options because you have eight. If one or two aren't doing so well, that's not the end of the world, but I would like to just fix that up for you.","start_word":1790,"end_word":1876,"sentiment":"neutral","sentiment_score":-0.08158186078071594},{"text":"Oh, that'd be great. Thank you.","start_word":1877,"end_word":1882,"sentiment":"positive","sentiment_score":0.6192327737808228},{"text":"K? Now we'll ask you one question. There's no wrong answers for this. But Yeah? because Hub twenty four has the most investment options in the industry, Yep. I need a way to whittle down their couple of thousand to a couple of options for you. Yeah. You can choose between low fee funds that follow the market very closely or paying higher fees to try and get a higher return. Which way do you lean between the two? I don't know. What am I doing at the moment? I'm doing So it's a bit of a blend of both at the moment where that one option that hasn't been doing too well, that's a bit of a higher fee one. So I was just wondering if you would consider maybe going for that lower fee option. yeah. Mhmm. Do Cool. you think So that's that'll say, advisable? yeah, Is that, like can you well, give advice on that? Or when we go through the comparisons and we recommend the options to switch it out from, it's my job and the team's job to research what the best options are in either style. yes. And then from there, I can find you good ones in active or passive, high fee or low fee, but I just wanted to see if you wanted to give that low fee approach a bit of a go. Yep. Yep. That's fine. Mhmm.","start_word":1883,"end_word":2120,"sentiment":"neutral","sentiment_score":0.06329291313886642},{"text":"Cool. So that will help it as well.","start_word":2121,"end_word":2128,"sentiment":"positive","sentiment_score":0.3983876705169678},{"text":"So if we tune up the portfolio a little bit, we won't change the risk level at the moment, and we just beef up your recontribution strategy.","start_word":2129,"end_word":2155,"sentiment":"neutral","sentiment_score":0.17484405636787417},{"text":"That should get you the best outcome over the next couple of years. Oh, that'd be great. That'd K? be great. Now And and bear in mind go go for it.","start_word":2156,"end_word":2186,"sentiment":"positive","sentiment_score":0.4541020095348358},{"text":"oh, no. Sorry. You finished. You finished. I was just gonna go through a bit of a a risk discussion with you just so I can explain the ins and outs there. But if you had a Mhmm. question first, please, by all means, ask it because this will be a few minutes. Okay. I was just wondering, when I do finish work, I Mhmm. was thinking of going on a trip overseas, and Okay. I was hoping that I would be able to download for my super to fund that. Is that gonna be possible to do I'm thinking around 15,000 m or I can't really touch that because or can I touch that? Can I can I take a bulk sum out once I finish working, or would that not be possible? Yes. Absolutely. So there's a couple of options. Mhmm. When you fully retire, you will have access Yeah. to all of your funds. Yep. Okay. Yep. So I'll And note there's down not a 15 certain age, thousand. like, at sorry. At at 60 what what is it? 65, I'd be able to do that? Well, if you're past Yeah. the age of 60 and fully retired, then you can access everything. Yeah. Yeah. So And fully it doesn't retired. really matter Yeah. past that point as long as you're fully retired. If you're still Yep. working part time, then you can only access that 10%. The 10%. Yep. Right. Okay. Yep. Mhmm. Now let's just say we're only accessing five percent at the moment, and then you Mhmm. wanna go for a holiday. Well, then you've still got that other 5% that you could Access as well. Yep. Okay. access Yep. as well. Are you thinking Cool. the holiday at age 65? Yeah. Yeah. As soon as kind of around that time. Yeah. As soon as later in the year, but around that time before I sort of as soon as I finish work, I'm Perfect.","start_word":2187,"end_word":2517,"sentiment":"neutral","sentiment_score":0.03308321724665489},{"text":"I'm thinking of that.","start_word":2518,"end_word":2521,"sentiment":"positive","sentiment_score":0.4585353434085846},{"text":"Yeah. So what The that only mean? thing is the only Go thing is, though sorry. When I finish work, I'm gonna be for paying I'm going it. to still be getting paid by my long service leave Yes. and my annual leave. So is that going to be a problem? Because I'll still technically be getting paid even though I won't be I'll be on on leave. I'm not getting it out as a bulk amount. Yeah. I'm gonna double check the rules for you and let you know. Yeah. But either way, I'll still make it work for you.","start_word":2522,"end_word":2622,"sentiment":"neutral","sentiment_score":0.013873671181499958},{"text":"Well, thank you. I appreciate all your guidance on this. That's okay.","start_word":2623,"end_word":2634,"sentiment":"positive","sentiment_score":0.5062034726142883},{"text":"Because what we can do too, like, let's just say it does affect your ability to access all the super. Well, five Yep. to 10% withdrawal is still 17 to over $30,000. So Yep. worst case scenario, if you talk to me in, say, May or June, and we say, hey. After July, I wanna go on my holiday and hang up the boots, then Yep. I will preplan that with you so the funds are available. Okay. Excellent. K? So I'll note that Mhmm. down. Thank you so much for letting me know that additional Yeah. expense, and I'll factor that into the plan as well.","start_word":2635,"end_word":2741,"sentiment":"neutral","sentiment_score":0.08594872802495956},{"text":"Excellent. Thank you. Perfect.","start_word":2742,"end_word":2745,"sentiment":"positive","sentiment_score":0.4256393015384674},{"text":"When it comes to your balance risk level, what I do Yes. need to let you know is that you usually invest in that medium risk for about seven years. And then when you're three to five years out, we go down to a more moderate risk level. And then when you retire, you go conservative. Now Right. I don't mind you staying in balance for the extra one or two years and then slowing it down once you retire. But I just wanted Mhmm. to just quickly flag it with you because you've kind of you've kind of hit your goal a little bit. Would you say Yeah. that you're prioritizing growing it a bit more so than protecting it or protecting it more than growing? Well, I'd love to see it grow a bit more, but I'm just really scared to do that. You know what I mean? So I don't I don't I don't know what is the best thing to do, to be honest, Yeah. you So know, now our that options I'm getting realistically quotes. is we either keep it at the same medium risk level for another year Yeah. or we start reducing down a little bit further now or we just do that next year. So I I don't mind it being in there for maybe another year or so. But Yep. like I said, I'm not gonna increase your risk. It's really a discussion about do we keep it medium or go a little bit below medium. So from three Yeah. out of five to two out of five or something like that. Yeah. So can you advise, like, what would most people do with this at my in my situation? Would they start to pull it down a bit, or would they keep it for, say, another year and then start to decrease it? What on oh, you know, in in your experience, what would most people do at my age and at this time of my life? Would they try and keep it there for a bit longer? It depends on how close they are to their goal, but most people who are close to their goal will start to reduce the risk down and maybe just do those Yep. extra contributions instead. Whereas people Yep. still trying to play catch up need that extra little bit of growth because they don't wanna work past age 67 because they can't Yes. afford to. Yep. Yep. So Alright. probably So I'm I might not yeah. I'm probably not at my goal yet really, am I? So I'd probably maybe better to just keep it as it is for the time being and then maybe for a bit longer and then try to reduce it down maybe. I'm just Yeah. I'm very So new to all this.","start_word":2746,"end_word":3220,"sentiment":"neutral","sentiment_score":-0.05675658086412831},{"text":"I'm not a 100% sure what I should be doing. You know, I don't wanna that's okay.","start_word":3221,"end_word":3237,"sentiment":"negative","sentiment_score":-0.41700106859207153},{"text":"Look. You're paying the fees for us to advise you, and that's exactly what I'll do. So I will crunch the numbers and do some projections and see how you're tracking for things. yes. If there is a huge difference where you're just gonna be on track for it no matter what, then I Yes. will recommend reducing the risk level down. If it's still a Yep. bit of a a medium certainty, then I'll keep it as is for one more year. Yep. Yep. Okay. So you'll Sound let you'll okay? do some number crunching and and then send it to me and let me know what you think is the best your your your advice is the best way of doing it. Is that what Yes. you're Absolutely. going to do? I'm gonna do an updated plan for you to show you both the projections and the performance Yes. and the updated figures, and then we will run through that together and make sure you're a 100% comfortable. Yes.","start_word":3238,"end_word":3408,"sentiment":"neutral","sentiment_score":0.11892162189323302},{"text":"Excellent. Excellent. Thank you. Perfect.","start_word":3409,"end_word":3413,"sentiment":"positive","sentiment_score":0.6200587153434753},{"text":"Okay. So I've got everything I need there. Now just bear in mind that because you're sitting at that 350,000, Yes. while you're in that moderate to medium growth, you will still be seeing your super go up and down, say, five to 8%, Yep. which means that you're still gonna see it moving 10 to $25,000 up and down. Yep. Okay. So it may go from $3.50 to $3.35, and then Mhmm. it'll be back up to $3.80. That's pretty Yep. common. That's pretty common to have that. Yep. Yep. What Okay. we don't want is Don't we don't stress want this about it. super going from $3.50 to $2.40, and you're like a $100 to have to catch back up over five years. Yeah. Yeah. That's right. Yeah. Yep. So I'm gonna try and keep the risk level manageable while Yes. still getting that last I'd little bit of grub out of it. appreciate yeah.","start_word":3414,"end_word":3570,"sentiment":"neutral","sentiment_score":0.011019043624401093},{"text":"That'd be great. Thank you. Perfect.","start_word":3571,"end_word":3576,"sentiment":"positive","sentiment_score":0.5158231258392334},{"text":"I'm just gonna have a quick look. So other details to update, we've got no change in your role, just the income Yes. will clarify. No change in address. Your PO box still okay? PO Box 1346. Yes. I can buy. Yes. That's correct.","start_word":3577,"end_word":3620,"sentiment":"neutral","sentiment_score":0.03205801919102669},{"text":"Perfect.","start_word":3621,"end_word":3621,"sentiment":"positive","sentiment_score":0.543196976184845},{"text":"Assets and liabilities, we just had the the car and the credit card. Yep. That's right. And do you have a a bunch of sort of savings, rainy day funds set aside in case something happens? I've probably got about 13,000 in account. Yep. Sensational. Yes. And so what about cash flow? So when you've been getting these contribution sorry, pension payments out to you and you've been doing the salary sacrifice, how has that been going for your week to week, fortnight to fortnight pay? Has it been okay? Yeah. Yeah. No.","start_word":3622,"end_word":3714,"sentiment":"neutral","sentiment_score":0.13187408447265625},{"text":"It's it's been great. Yeah. I've I've been it just tops it up, you know, for me.","start_word":3715,"end_word":3731,"sentiment":"positive","sentiment_score":0.4281136393547058},{"text":"So and I kind of been living and looking at that as, you know, a bit of savings as well. You know?","start_word":3732,"end_word":3753,"sentiment":"neutral","sentiment_score":0.2839711904525757},{"text":"So, yeah, it's been it's been good having that extra that it's it's going well, that amount. Oh, perfect.","start_word":3754,"end_word":3772,"sentiment":"positive","sentiment_score":0.4430527687072754},{"text":"So it tops it up and then also acts as a bit of forced savings off to the side for you to pull. Yes. Yep. Okay. Yep. Now do you wanna look at sacrificing more into the super, or should I just keep this top up strategy going where it keeps bringing you back to the same net income? Yeah. If you wouldn't mind just keeping it at the same at the moment, only because I might look at it early next year and changing it and putting more into I need that I've just got a lot of I've got daughter's wedding. I've got kids you know, I've Oh, got yes. my I've got a lot of things happening this year. So, you know, a lot of big birthday things happening and trips and stuff like that. So for the moment but I do get what you're saying. I probably might have more that I can put into the super come, you know, mid next year. So, you know, sort of like around April next year. I you know, when all these things are finished. So, yeah, if if that's a possibility that we That can is change it at any time more or than is okay. that not possible? Yes. Anytime that can be changed. So another Yep. thing that you could even do if this is easier is if you just keep pulling all your cash savings aside, when it gets to that Oh, April time, we can look at a one off contribution into super as we get close yeah. to the end of financial year. We don't have to do it regularly. We can do a Yep. bit of a one off if we need to. And does that have to be a certain amount? Like, is that or is that if it can be anything? Like, there's no specific, you know, amounts or anything? Yeah. Yeah. So what work puts in and what your salary is sacrificing, that's all your nice tax deductible. We call them concessional contributions. Right. Now if you pull those two together, what work's paying plus what you're sacrificing, that has a cap of now 32 and a half thousand dollars per year. So we've got the difference to make up between what's going in overall and what's left over in your cap. Gotcha. So I'll give you a bit of an example here because I have some percentages in front of me for what you've been putting Mhmm. into super. Just bear with me for one moment. So let's say you're putting in 12,000 into your super in total currently. Yes. You still have $20,000 left over of your cap plus everything that you haven't used the last five financial years, which is well over a $100,000. Mhmm. And then even if we exhaust all of that, somehow, we still have a non concessional cap that's a $130,000 per year. So there's oodles of room to make contributions. It's just about your cash flow priorities at the end of the day. Right. Okay. Yep. K? So at Understand. the moment, I will do that net zero strategy where what comes out tops you back up, and then we'll talk around April to make sure if you wanna do an extra little contribution, we can talk then as well. Yes.","start_word":3773,"end_word":4332,"sentiment":"neutral","sentiment_score":0.09754628664148704},{"text":"Yes. That'd be perfect. Thank you. Amazing. Alrighty.","start_word":4333,"end_word":4340,"sentiment":"positive","sentiment_score":0.643602192401886},{"text":"Now that's quite a lot of information. I don't expect Yes. you to kind of have all that figured out in your brain because I still have to do some research and put a plan Yes. together for you. Yes. I But appreciate does it make that. sense so far? Yes. It does. Yes.","start_word":4341,"end_word":4394,"sentiment":"neutral","sentiment_score":0.14364038407802582},{"text":"Thank you. You've been very helpful.","start_word":4395,"end_word":4400,"sentiment":"positive","sentiment_score":0.5610141754150391},{"text":"I appreciate No worries all that at all. because, you know, sort of when I first started, it was like, oh, yeah. I'm not retiring yet, but now it seems to be coming up close, and I'm thinking, oh, am I doing the right things? You know, that sort of thing. You know? So it's all Yeah. those sort of questions. You know?","start_word":4401,"end_word":4463,"sentiment":"neutral","sentiment_score":0.12923866510391235},{"text":"So And we have to take it seriously because this will be your life in a few years' time, and we do take it seriously to try and get you there with the least risk necessary so you can be on track for your comfortable retirement goal.","start_word":4464,"end_word":4510,"sentiment":"positive","sentiment_score":0.381583571434021},{"text":"yes.","start_word":4511,"end_word":4511,"sentiment":"neutral","sentiment_score":0.31253886222839355},{"text":"Excellent. Yes. Thank you.","start_word":4512,"end_word":4515,"sentiment":"positive","sentiment_score":0.5179183483123779},{"text":"Alrighty. Do you have any questions for me so far? Yeah. I'm I was just looking at doing a tax return my tax return, and it says, did you have income from Australian super or or funds? Do I have to declare on my tax what I do you know, that top up amount? Do I have to declare that? I believe so. But after 60, it's all tax free. Okay. So I should be putting what the amount of what I get that every fortnight, that amount into my tax to say I am claiming that from super. Oh, Correct? a little bit of a difference in terminology. So if they're asking, did you receive an income, I would probably say yes, and then obviously talk to your accountant. Yep. It doesn't matter how much we pull out after 60. It's all tax free. So whether you pulled out 5,000 or 50,000 doesn't make a difference there. Okay. Doesn't really make But, a difference. yeah, but when you do your tax return, there is a section where they say, hey. Have you put more money in and you wanna claim that as a tax deduction? That's not what you were doing. No. Okay. Yep. K? It's for Yep. people who have already Yeah. put money in from their bank accounts and they wanna claim it. So just be careful with that section of the tax return. That's all. Yep. Okay.","start_word":4516,"end_word":4756,"sentiment":"neutral","sentiment_score":-0.010732929025200889},{"text":"I will do that. Thank you.","start_word":4757,"end_word":4762,"sentiment":"positive","sentiment_score":0.5366491675376892},{"text":"That was one quick and the other question is, like, it's a bit morbid, but, you know, leaving Cool. say if anything happened, Yeah. I was just sort of getting like, when I retire, like, someone I I sort of read somewhere that, you know, like, I'm I'm leaving it to my kids, my two children. So they seem to pay a lot of tax if I just left it. Does it have to go into a, like, a a trust fund or something? Like, is that something I need to consider when I retire, you know, just in case anything did happen or whatever? How's the best Yeah. way to do that for leaving, you know, your money to your to your children? Like, I know that it's not going to my partner. It's going to my I want it to go to my children. So So with Matthew and Michelle, I would assume that they they would be over 18, wouldn't they? they are. Yeah. Yep. So the only unfortunate thing is when when they do the CISACT nominations for who can receive super, they're valid nominations, spouse, children of any age, they count. But when they're over 18, they're no longer a tax dependent. So that's why they Yes. cop a bit of tax. So Yes. what tends to happen is there's a bit of a calculation of the leftover when people receive a taxable portion of your super. I have seen people put money into, like, a testamentary trust. So when they pass away, they will create the trust fund.","start_word":4763,"end_word":5026,"sentiment":"neutral","sentiment_score":-0.010280649177730083},{"text":"And Yep. that's really good for people underrating because it's kinda like, here's a million dollars.","start_word":5027,"end_word":5042,"sentiment":"positive","sentiment_score":0.5293189287185669},{"text":"Let's let you live off of it for a while before we just give you a million dollars.","start_word":5043,"end_word":5060,"sentiment":"neutral","sentiment_score":0.2757274806499481},{"text":"But for the adult children, it only really saves them the Medicare rebate of 2%.","start_word":5061,"end_word":5075,"sentiment":"positive","sentiment_score":0.3901719152927398},{"text":"It doesn't really minimize the tax much. Right. Okay. There is something that we can do, and this is probably as far as I'm gonna go today because this will this will melt the brain a little bit. But Yes. did you remember before how I said there's a different type of cap, a nonconcessional cap? Yes. Yes. When you hit 65, we can do something called a cash out recontribution, which essentially means pull out the majority of your money out of super and then throw Yes. it all back in again as a non concessional contribution so it sits there in the tax free portion. It's essentially washing the funds after the age of 65. Yep. Actually and that was the next question. I was because I had read about that, and I thought, oh, I wonder if that's a good thing to do and if that's another way of getting around that. You know? So, yeah, you've answered my question there. So that's after 65. Like, you can do that. Yeah. So my plan for you at the moment is we'll update the the transition pension strategy now. When you hit '65, we will do that recontribution with you. Yes. Yes. And then '66, '67, you'll be in your full pension retired. So we'll kind of, we've got a three different strategies to do with you every couple of Yep. Yep. years. K. Perfect. So leave that with me. We don't do it today, No. but No. we will Sorry. do that Sorry at sixty to take five. up your time with asking that. Sorry. Yeah.","start_word":5076,"end_word":5344,"sentiment":"neutral","sentiment_score":0.10207092761993408},{"text":"That is a fantastic question, actually, and they're all brilliant questions.","start_word":5345,"end_word":5355,"sentiment":"positive","sentiment_score":0.5905522704124451},{"text":"So I've already put in some notes on your file that we're gonna look at one, two, three, and every Yep. review, we're just gonna have this discussion. Are we on track? Do we reduce Yep. risk? What other strategies should we do?","start_word":5356,"end_word":5398,"sentiment":"neutral","sentiment_score":0.05253336951136589},{"text":"Excellent. That's great. Thank Amazing. you. Okay.","start_word":5399,"end_word":5405,"sentiment":"positive","sentiment_score":0.5885998010635376},{"text":"Sensational.","start_word":5406,"end_word":5406,"sentiment":"neutral","sentiment_score":0.32803070545196533},{"text":"So I'm really glad I got you today for this review because it's been Yeah. an Thank excellent you so much.","start_word":5407,"end_word":5427,"sentiment":"positive","sentiment_score":0.4575700163841248},{"text":"I appreciate That's it. okay. From here, so beneficiaries will stay the same. Have you put in place, like, a will or a power of attorney yet? Yes. I have got a will, but it's a handwritten will. I do need to look at that, and I will and I don't have power of attorney, so I have to look at both those things to get that Yep. sorted. Yeah. Okay. So few options. Some people go to the old $25 will kit from the post office, government approved. Not the fanciest, but they're okay. No. You've got the solicitors, and you've got the public trustee at the courthouse as well. So there's a few different options for you, but I'll just include a reminder in your plan to to get that sorted at Yes. To some point.","start_word":5428,"end_word":5565,"sentiment":"neutral","sentiment_score":0.037955474108457565},{"text":"get that, that'd be wonderful.","start_word":5566,"end_word":5570,"sentiment":"positive","sentiment_score":0.3737886846065521},{"text":"Yep. Alrighty. We're not doing anything with insurances at the moment. It's really just finishing off the growth of the super, and Yes. beneficiaries can stay the way they are. Correct. Mhmm. Amazing. So that's pretty much everything that I needed so far. You've already Excellent. signed a service agreement with us. Yes. Yes. I So, hope that all came through okay. yes, perfectly fine, and it's all been applied. So we still have consent on your accounts to be the advisers and look after things. Yes. One thing that'll happen next year is we are bringing in a bit of a tiered fee structure so that everyone above 200,000 will start to get some discounts. So once we build all the the financial services guide and paperwork out, that'll be coming down the road next year for you as well.","start_word":5571,"end_word":5711,"sentiment":"neutral","sentiment_score":0.13207153975963593},{"text":"Excellent. That sounds good. Thank you. Alright, Sue. That's amazing. Is there anything else Wonderful. I can help with today?","start_word":5712,"end_word":5731,"sentiment":"positive","sentiment_score":0.6456259444355965},{"text":"No. No. You've answered all my questions.","start_word":5732,"end_word":5738,"sentiment":"neutral","sentiment_score":0.2055107355117798},{"text":"Thank you. I appreciate that, and I look forward to what you're going to send me. So thank you very much. Amazing. So from here, I will go do some research and crunch the numbers with the team.","start_word":5739,"end_word":5776,"sentiment":"positive","sentiment_score":0.5986937284469604},{"text":"Yes.","start_word":5777,"end_word":5777,"sentiment":"neutral","sentiment_score":0.29714858531951904},{"text":"I will just send out the usual satisfaction survey message to you.","start_word":5778,"end_word":5789,"sentiment":"positive","sentiment_score":0.403638631105423},{"text":"And from there, just keep an eye out. We'll probably give you a call in a couple of weeks to book in to go through the updated plan with Yep. me. Yep.","start_word":5790,"end_word":5821,"sentiment":"neutral","sentiment_score":0.22467537224292755},{"text":"That sounds fantastic. Thank you so much. Amazing, Sue. Thank you so much for your time today. You have a Thank great week. you. You too. Thank you. Thank Thank you. you.","start_word":5822,"end_word":5853,"sentiment":"positive","sentiment_score":0.6966326832771301},{"text":"Bye. Bye.","start_word":5854,"end_word":5855,"sentiment":"neutral","sentiment_score":0.1925102472305298}],"average":{"sentiment":"neutral","sentiment_score":0.10408765068077616}}}}