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I have you booked have you booked in just to go to your updated advice document. Is now a good time there for you? Oh, congratulations. Yeah. Yeah. It's a lot. Yeah. It's a lot. No. All good. You're right. Yeah. So, basically, last time we called up, we had a bit of an admin review. I went back and looked at doing some advice for you to sort of look at what we might need to change and update the advice to sort of keep you on track for your retirement goals there. So this this is essentially the advice document showing you. I've done the research. I've got the recommendation here. It was around sort of looking at your super, maybe readjusting the portfolio as well, maybe removing some investments that'll be underperforming a little bit for you. And then we also talked about salary sacrifice and what you might need to maybe do to increase that to kinda keep you on track to boost the super a bit over the next few years. Easy. I have sent you an email. Are you able to open that email at all? If you're not, that's absolutely fine. Sorry. Oh, Shane. Oh, no. Oh, no. And you probably just had everything right. Right? You wanted it today as well. No. Honestly, I understand. I am in my forties. I'm 41, but, like, I can do math on the back of my hands. I can do finance left, right, and center. But when the phone doesn't work, oh my god. If the printer won't print, oh my god. I need help quickly. Yep. You're right. It'll come from the Odoo site. It'll say from Dana at Oakview as well or from, I think, sign at Oakview. Yeah. Nothing yet. That's okay. The others, yeah, are about sort of five to ten minutes ago. Yeah. That's okay. Did you want me to run you through the recommendations while that sort of does come through? And if it does pop through, just let me know. I will try to keep it as brief. I don't wanna kinda overcomplicate it for you at all. So with the document there, we have stated it as of yesterday's day, which is when we completed it just to keep it valid for you, so our documents statements of advice are valid for six days from the date on the document. So you've got some time to read it over. Let me know if you do happen to have any questions at all. Have been prepared for yourself as of July 15. It's almost sorry. Also got my representative number on there as well. So I'm an authorized licensed financial adviser registered with ASIC, and my registration number is 1304394. Now I do also have to sorry. Because we've got chatting. I forgot to mention, we do record our calls moving forward for training and quality purposes, and it also helps me with file noting. Are you happy for me to proceed with that? Fantastic. Now this document has been limited to essentially suit regulation. So when I had a bit of a look at your super after the last sort of call and this last twelve months, your super has still performed very well. You have received net of fees of 8.77% return, so it is really good. However, our conversation last year was you are getting closer to retirement, so you wanted to make sure and maybe readjust the portfolio to there have been some underperforming investments that have held the portfolio back a little bit. So I did wanna look at adjusting things for you, keep you on track, maybe also look at the fees you're paying within the portfolio as well and try to limit those a bit because that takes more money invested for you at the end of day as well. Yeah. So your goal with regard to super in retirement was that you're hoping to retire at about age 65, and income in retirement was about $600 per week currently. Is that still fairly accurate? Yes. Beautiful. So I have scoped in the superannuation side of things. Now you did kinda mention to me last year when we spoke that you were happy with the insurances that you did have as well, so there was no need to change the insurances. Into this document, I've not made any new recommendations about insurances, but I what I do is I essentially scope it into a limited scope. So I've accepted the insurance premiums into the projection side of things, and that is appropriate to be advised because as insurances get more expensive as they get older, they do have an effect in our retirement. So this sort of shows you the projected outcome of what we're expecting based on the changes and your current scenario, and it's factors in the insurance premiums there for you as well. Okay? And the other thing I sort of wanted to look at with you is because you are getting closer to retirement, that you have about nine years before you're wanting to access the super. Essentially, we wanted to also look at where you were tracking for, so actually have a look at the retirement projection. It is limited, so it's in because I don't do a full retirement advice document until you are actually ready to retire, and we know exactly what you're gonna need to earn and how it's gonna And I wanna also factor Deborah into that kind of advice as well. So as you guys get closer, I would like to really look at things together for you, look at your goals together, look at what you're tracking for, how that affects the both of you, and how long super might last between the two of you. But for this document, I've done a limited straight projection based on what I'm recommending and what this looks like in retirement based on this goal just for yourself. Okay? Excellent. Areas we're not looking at is cash on debt reduction for you guys. Do have a bit of a mortgage. You are wanting to pay that down prior to, obviously, retiring there. If you did need any assistance in the area, we do provide financial advice around those, but I'll just scope that out of this document for the time being for you. We'll focus on super for this moment for you. Okay? Excellent. As you are going through the document, we do have assets and liabilities noted down as per your last conversation with us. If if they have changed, that is okay. It is normal and expected. But if there is anything else you are reading it later on you want me to update in the back end, just let me know. I'm more than happy to make any changes that you need. Okay? Excellent. So yeah. Oh, fantastic. Yep. So if you just press on the sign and go through to the next page, it should let you scroll through that document there. Excellent. And to make things easier on you, I'm yeah. And if you go down to page 17 when you're able to look at that, that's probably really good timing, actually. Page 17. Yeah. You'll see the heading is recommended investment superannuation. The 17. Yep. That's the one. Yeah. Good timing. Because this is the part that gets a little bit convoluted. But, essentially, having a look at your investments within Hub twenty four, you can see, essentially what we wanna change in buy and sell. Now I did go back and review Hub twenty four as a super platform as well, and I am recommending we retain that. It is not a bad platform. You guys are linked in the background as well, so you do have the aggregation, which means that because you're the link in the background, all your fees, like admin fees and things are reduced as much as absolute possible. They have this family fee aggregation side of it. So what I'm recommending we do with the investments is we do do a bit of a switch around. So we are going to sell off all the battery and lithium tech. It has done really well. It's not a bad place to be, but it is very much a somatic or a themed ETF. I wanna sell that down completely and cement the gains that you have had out of that one. Then along the same equity, this investment has been underperforming in your portfolio for the last couple of months, and I wanted to get rid of that. And I've looked at some other options for you. Essentially, then along was placed as an actively managed investment. So the job of the investment manager for Bennelong is they're trying to buy and sell in a way that the returns that they achieve outperform against the market. They haven't been able to do that, And active managers as a whole have had trouble doing that this year, not just because of what's been occurring in the market generally with The US and Iran war, but Benelbaum have had some underlying issues that we've decided it's not worth you staying in there. You're too close to retirement to be in underperforming investors, so it's time to give them the second move from your portfolio. Yeah. You've also got some bank hybrids in there as well. These are more of a complex investments. They're sort of like bonds where you're putting money into the bank's investment areas. They're giving you regular income payments, but bank hybrids are also traded like shares are on the on the ASX. These are actually being phased out by the government in the next couple of years. So instead of having to hold on to them now and sell them down the track because you are so close to retirement, we're better off getting rid of those now for you as well. Okay? Physical gold has done really, really well. We wanna keep that in your portfolio. It is still a great place to be. Physical gold is a growth investment, but it also acts alternatively. So you've got about 8.91% in your portfolio. At the moment, we wanna hold 10%, so we're gonna buy a little bit more of that for you. Cool. Yeah. Cybersecurity, again, is a really good investment. It has had a bit of a pullback this year. It has been affected by the Iran war with The US, so it has had a little bit of a downtime, but it's still a good investment to hold on to. You have about 7% there at the moment, and we wanna hold about 5%. So we're just gonna submit some of the gains that you've received in that investment and rebalance it back for you. Okay? Bonds are are great investments. These are more defensive in nature. They are it's a combination of government and corporate bonds essentially. You've only got about 8% there at the moment. Because we're removing the bank hybrid completely, we wanna still have defensive investments, and defensive investments are low risk cash producing. And we need to make sure we have enough of those in your portfolio. So we're gonna increase your exposure in the core composite bonds to account for removing the bank hybrid and bring you up to about 14% there. Okay? The SMB 500, this is giving you exposure to the top 500 companies on The US, and it is still a good investment today. Has seen a bit of fluctuation. Overall, has seen really good gains after, you know, everything we went through with that. Between I think the downtime, the worst point for that investment was around about March and April, which is when Trump was absolutely in the news every day, and there was a lot more sort of said about it. But it has kinda evened out quite significantly, and we're still seeing really good gains out of the S and P 500. So we're gonna increase your exposure a bit to 30% for the portfolio. We've also got Van X Property. This is giving you exposure to property in Australia. It has been really good, but property is having a bit of a fallback. So we are just gonna remove that. It's more of a somatic sort of themed investment. It is there more for growth. We also wanna look at reducing your risk level in your portfolio because you are closer to retirement as well. So the that reducing the cost, keeping the gains working and compounding, but also sort of reducing the risk level as much as possible as you get closer to retirement as well. So I am gonna remove that completely from the portfolio and sell that down. And we've got the beta shares roughly 200. That's giving you exposure to 200 companies on the ASX. We're looking at both mid, large cap, and small cap companies. Sorry. Because they're getting rid of the Venelong Equities, I'm also removing the BetaShares RAPI 200, and we're gonna move that exposure into something else for you. It's still gonna be Australian equity, so we'll keep that exposure level. With the purchases, to replace a lot of what we're removing, we're gonna give you exposure to Europe. This is giving you exposure to all 16 European countries, all established markets, and it is a really good place to see a lot of growth at the moment, and moving forward, we'll continue. It's also giving you more diversification because it's spreading your risk level across more countries. Japan has looked after its economy really, really well at the moment, so it is a really good place to see growth, especially with a lot of the hardship. Like, China was meant to come out of COVID and be kind of the building block for most investments in companies. However, it hasn't kind of worked out that way. There's still a lot of hostility with China, but Japan has been where a lot of companies are kind of moving their manufacturing into. And Japan also looked after their country very, very well with stockpiling fuel and things like that for what we've just gone through. So we are wanting to put some more money into the Japanese economy and just having about 5% of your portfolio there for you. Okay? Yeah. With Vanguard All World ex US investment there, that's essentially giving you exposure to the entire globe. They're giving you more diversification, which overall helps to reduce the risk of your portfolio. It is ex US, so not including The US, and that's because you've got the S and P 500 exposure above this. Don't wanna have too much exposure into The US. But that's a really good low risk investment. It's a really good diversified investment as well, and it's low costing because it's Vanguard. It tracks essentially the all world index, so it's fantastic. And then because we are removing the Australian exposure out of the banner long and the beta shares, Rafi, we're gonna put you into the a 200. This is giving you exposure to the top 200 companies on the ASX. So it's actually by removing the banner long, it's actually giving you more diversification. It's still giving you a great exposure into the market. We're gonna hold about 20% of your portfolio, and it's actually lower cost as well. So it's healthy to save fees, investment fees in your portfolio, which is really important. But that's essentially the changes that I wanna make to your portfolio for you. That's okay. Yeah. Essentially, with your cash account, we only ever wanna hold 1.5% cash within the cash account in the super fund. You do have about 1.6 at the moment, so we're gonna take some of that cash and reinvest it. Our money was part of being invested rather than sitting in cash. So we'll just make sure that that cash account is reduced to the minimum it needs to be. If you scroll down for me sorry. Just to page number I'm just going through really To page number 23. Yeah. Page number 23. Yep. This got the fee comparison table for you. Beautiful. Now the other part of the recommendation, essentially, is that you are currently salary sacrificing. It's about a $164 on a a weekly basis in the super. I did sort of have a look at the projected outcome, and I'm recommending that you just increase that salary sacrifice a little bit more. So adding it to $36 per week will bring your salary sacrifice up to about $200 per week. So if you guys can afford that, just increasing your salary sacrifice each week will also provide benefit. It means that more money will be going into your space. So being invested in the portfolio to help grow that over the next couple of years for you as well. Okay? Yep. Yep. Yep. Yeah. So that's where the employer takes that money out of your income pretax, and they just put deposit that straight into your super fund the same as your employer contribution. So, yeah, we just want you, yeah, just recommending that you make that an even 200 every fortnight so every week. This all continues to go in and is paid into your sleep. But now that employers are supposed to be paying our contributions as payday, it means that we're gonna get proper dollar cost averaging. So with your contributions going in every week or fortnight with your income being paid to you, it means that you're really gonna take advantage of the market. And instead of having lump sum once every couple of months, we'll have regular contributions, which is gonna provide greater benefit long term. So yeah. Yeah. Yep. Yep. Yep. Yeah. It's yeah. Just increase it. So it levels out of the set 200 every week for you just to make it a bit easier. And then if you are getting additional overtime, what you could always do is put that aside into an account in, like, your bank account or something. If you wanted to make extra contributions when you get more money, absolutely. But you could also hold that aside. And at the end of the financial year, we can always have a look at what you've got available to you, what your contributions look like, and we could also look at making tax up contributions and deductible contributions that might also give you a tax deduction at the end of the year as well. So I just yeah. I just think if we have a level a level of salary sacrifice on top of your normal employer contributions, that just kinda gives you regular increments of money being invested, which is dollar cost averaging and provides that greater benefit. And then anything additional, if you hold that aside, if you want, end of financial year so I could make it in May every year. I give you a call. We talk about what you have available, the contributions that have gone in, and we can look at whether we make additional contributions and make it more of a tax deduction for you so you get a little bit more of a deduction at the end of the financial year. Yeah. Let's have a look. That's okay. Let me have a look there for you. Okay. Perfect. So you received a call from Michelle that was on the ninth of the sixth. Yeah. So she noted that you'd you'd that you'd made some personal contributions. She was reaching out to find out whether you wanted to claim this as a tax deduction. So let me just have a look at your actual super and go back here for you. And yeah. Yep. Yeah. It definitely does. So it looks like you made some additional non concessional contributions last financial year of and we still have non concessional contributions of $3,787.01 that was made to the fund. You can claim a notice of intent against those funds, and that essentially means that they become what's called a deductible contribution. So that 3,000 what have we got? $3,787, you can claim as a tax deduction at the end of the financial year, and you claim that on your tax return. But in order to have that happen, we just have to claim a notice of intent. The only issue I have with doing that full amount is that your contributions for the last financial year actually totaled 29,707 and 63¢. So you were actually very close to the cap at the end of the year. So what I would probably like to do really quickly is if after the call, are you able, at some point, say, able to get into your myGov account at all and get your yep. Because of your balance and your age, we can look to utilize carry forward contributions, so unused employer and sell back from the last five financial years. But I just need to see what you have available to you over the past five years to determine how much we can actually claim under that tax deduction. So I'll send you an email after the call with directions on how to get that. Can you grab the email to me? I can have a look at your availability and look at whether we can claim that full amount for you. Is that okay? Yep. That's okay. Easy done. And, look, honestly, we can do we do that every year. We can have a look at what you've got available to you and make that deductible contribution at the end of the finance to a year if you'd like to and look at what available cap space you have. You're able to use carry form contributions until your balance reaches 500,000. Once your balance reaches 500,000, as at June 30, any financial year, the following year, you lose tax to carry forward. So it's good to try and use that now, and it'll also provide a little bit of a boost to you. And then look, a tax deduction's not a bad thing. We all pay way too much tax. Yeah. That's it. So yeah. Look. Honestly, that that's what I'm what I'm recommending. We switch the investments out a little bit, do a bit of an update of your portfolio there. With that page, you'll see at the bottom, you are a growth investor. As I kind of explained last time, was a growth investor has that eighty twenty split between growth investments to defensive investments there. And in your current tab there, you'll see the older investments, whilst your portfolio was a little bit lower than that this year, has averaged about 9.54% on a yearly basis over the past five years, which isn't bad at all. But the newer portfolio, when we look at how that has performed, it had a greater past performance. So if that can do the same thing over the next five to ten years, it actually puts you in a much greater position. So in nine years, we could actually see you with a bit over $700,000 in super. Yeah. Yeah. As a bit of a disadvantage, I do have to let you know, I do consider the tax effect on your super. So just like you do a tax return every year, so does your super fund. The CGT is something super does account for. To make the switch on the investment, it's essentially worked out that the CGT is expected to be $1,886. It just means that your super fund accounts that after we complete the switch, and they take care of that for you. But I just have to let you know that that is an expectation. Okay? Easy. But the positive to it is, as I mentioned, the new investors are cheaper. So the cheaper. So the investment fee is actually expected to save you $755 for the first year. So it's a cheaper portfolio and means more money stays invested in your super for you. Yeah. Oh, that's okay. Essentially, I kinda mentioned I did do a bit of a retirement projection for you, and that's sitting on page number 25. So it's looking at if you were able to, you know, get your super up as high. I use a much more conservative rate return. So when I'm doing the projection table above with the fees, we utilize the 11.7 and project that forward. However, in retirement, I use a much more conservative rate projection. So it essentially shows we should be able to see your balance at least at 560,000 and in between that sort of $760,000 mark as well. So it's kind of about determining what the expectation is around market performance, but understanding volatility is a factor as well. So I kind of do that range. And when I'm projecting into retirement, I do do a much more conservative projection for you. So we can sort of see what the expectation is and build on that. It means that anything that we would achieve over that expectation is only a benefit to you and puts you in a much greater position long term as well. Okay? Yes. It's a roller coaster of emotion, isn't it? Look. I honestly really enjoy it, and I think the one thing I like to point out to people is that we all you know, we see things that are red and negative figures, and we're taught to look at that as a a negative thing. It makes us doesn't make us feel good in any way, shape, or form. But the idea of having me here as your adviser is that I'm here to talk you through those downtime to keep you invested because the last thing we should be doing is selling out of those downtime. And, I mean, I actually kinda get excited when there's a downtime. So long as you're not retiring this year or next year or the year after, it's about taking advantage of that. So when the markets do take a bit of a dip truck, you know, put something out there and, you know, the market's taking a bit of a hit, that's a buying opportunity. So it's good to get some money into the market by those discount investments. And when that market takes effect and people see that going up, most people are gonna get into it. The biggest thing with market ups and downs is it's all about emotional buying and selling. So when people say investment is going down, they go, oh, no. I have to get out. And that's real that creates a bit of a sell off, and that's where those larger dips come out of. What I like to do is, yeah, we go, cool. That's a dip. That's down. That's okay. You're not retiring. Let's buy into that now, and let's wait for it to come out, and then you kinda see the the advantage of that. The risk is you buy in and it keeps falling, but that's okay. You just kinda gotta wait. You wait through it, and that's why contributions and salary sacrifice on a weekly basis is really good for you because you're you're putting that money in on a regular basis. It's buying into the market no matter what the market's doing. We're not trying to time the market, but we are staying invested throughout the market and taking advantage of whatever the market is doing and buying in at the all the ups and the downtime consistently. And that's where the events have come out at the end of the day. So yeah. Yeah. Easy. All good. So feel free to have a good reach of the documents there. I'll just let you know, obviously, you do pay an ongoing service fee for our services. There's no implementation fees or upfront cost for this. The last document is all part of you being a client and me looking after you and working in your best interest. The ongoing service fee for yourself and because Deborah is a client as well is 1.10% per annum, and then we deduct that in smaller monthly income as that of your super. And the document does outline what the expectation is, and that's added into the projection side of things for you as well there. So if you wanted to have a bit of a range of the document, I've got advantages, disadvantages, risks, alternatives that I've considered, and I've also got a best interest duty related back to each of the recommendations Just so you can kinda see how we relate that back to your goal and why the recommendations and the advice is in your best interest. Okay. Easy. Yep. Yep. Yep. So the multiline is just if you don't have if there's any part of the recommendations you do not wish to take on board, if you the multiline should be optional. If it's mandated and makes you put something in it, you can write NA if there's nothing that you wanna if you have your take on all the recommendations. Or if there's something that you decide you're not wanting to take on board or don't wish us to implement, just write a little note in there. Okay? Yep. Perfect. Perfect. And, yeah, and the other document attaches the ongoing service agreement for the next twelve months there as well if you're happy to remain a client for another year. Oh, yeah. The date should automatically prompt for you. Yeah. Easy. And then next. Yep. Yep. Did you want me to let me just go into mine as well so I can I tend to have to go into mine to follow through because you get a little bit lost in them, I guess? Yep. So if you go into service yeah. And then services when you get the services option. So if you go into myGov, it says, hi, Shane. If are you on your phone in the app? Yep. So at the very bottom, you should have home, wallet, inbox, and services. Yep. So services, and then click on the ATO. Beautiful. That should just take a second to load. And then from there, you've got menu at the very top. Just click on the menu. Yep. And then we click on super. Beautiful. And then we should go for information, and then we go carry forward concessional contribution. And then if we scroll down, it'll tell us essentially whether you're eligible or not eligible for carry forward. If you go down further under the financial year, it still should say unused concessional contributions available to carry forward. Can you see that in, like, a little blue box? Yep. Does it give you an option for financial years? Because normally, it has the heading carry forward concessional contributions, a whole bunch of information on eligibility, and then it should say total superannuation balance as of thirtieth of June 2025. And then underneath that yep. And then underneath that, you'll have financial year, and then underneath that is, like, a unused concessional contributions available for the section. Section. Yep. Yep. Okay. Is there, like, a drop down section? Does it sort of say more information or anything underneath that? Does it say show details? Interesting. Because your balance is definitely under the threshold. You should have access to carry forward. Unless unless you've used the cap most years, and there isn't any carry forward put in. That's okay. Let me have a look. I'm just gonna go back in hub to the earliest I can see to see what we've got available. Okay. So last yep. Yep. Yep. Perfect. Perfect. Underneath that, you should have a whole list of previous financial years as well. Do can you see that list? Yep. Yep. Yep. Beautiful. Yep. Beautiful. Can I'm gonna send you an email now so you've got my email there. Can you do me a favor and screenshot that and email it to me? Yeah. If you can. Yeah. If you if you can if it's possible, try to get as many as many of the last five years as possible. Normally, it shows you all previous financial years, so you can kinda screenshot them. If not, if you can just go back the years that let you and just screenshot those for me and send those individually through, I can just tally up what you have available. And that way, we've got a bit of a record for you for moving forward, and I'll reply back with what you're able to claim under the notice of intent. And then you can just let me know if that's what you want me to do. We don't need you to sign anything. I just need confirmation via email that's what you want me to do, and I can do that in the system for you and then send you the confirmation of that for the last financial year. Oh, fantastic. Yeah. That sounds about right. I'm just Beautiful. Alright. I'm just sending that email to you now. Hopefully, it comes through fairly quickly. If not, whenever it comes through, that's absolutely fine. And as soon as I get it, I'll look at that for you. I'll do the math. I'll work out what I'll just double check that you have the whole available for this last financial year. And if that's what if you have that available, are you happy to claim the whole amount that you've got there? So we've essentially got $3,787.01 to claim. Beautiful. Alright. I've sent that one to you. And I've just got the confirmation that you signed the documents, so thank you for that. Really appreciate it. All good. I really enjoy this. I wanna make sure things work harder for you. And, look, advice doesn't stop at retirement. You could have a whole another lifetime in retirement. We'll keep updating and making sure it all lasts for you in those retirement years as well. Okay? Beautiful. That's what I do. I'm very much the retirement person with us. So happy to help you along and make sure we get to that point and that you enjoy your retirement years and spend as much time with your grandkids as possible. My pleasure. I'll let you go. When that email comes, if you send those back to me, I'll reply back straight away so you know that I've got it, and we'll get that sorted for you today. Easy. Absolutely. Yep. Absolutely. Not a problem. If any questions come out of it, let me know. If you have trouble reaccessing it, let me know. We can always resend it back to you as well. Okay? Thanks. The you too. Thanks so much, Shane. Talk to you soon. See you later. 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Shane. It's Shane of Smoky Financial. How are you this morning? I'm very well. Thank you.\n\nThank you for asking. I have you booked have you booked in just to go to your updated advice document. Is now a good time there for you? Oh, congratulations. Yeah.\n\nYeah. It's a lot. Yeah. It's a lot. No.\n\nAll good. You're right. Yeah. So, basically, last time we called up, we had a bit of an admin review. I went back and looked at doing some advice for you to sort of look at what we might need to change and update the advice to sort of keep you on track for your retirement goals there.\n\nSo this this is essentially the advice document showing you. I've done the research. I've got the recommendation here. It was around sort of looking at your super, maybe readjusting the portfolio as well, maybe removing some investments that'll be underperforming a little bit for you. And then we also talked about salary sacrifice and what you might need to maybe do to increase that to kinda keep you on track to boost the super a bit over the next few years.\n\nEasy. I have sent you an email. Are you able to open that email at all? If you're not, that's absolutely fine. Sorry.\n\nOh, Shane. Oh, no. Oh, no. And you probably just had everything right. Right?\n\nYou wanted it today as well. No. Honestly, I understand. I am in my forties. I'm 41, but, like, I can do math on the back of my hands.\n\nI can do finance left, right, and center. But when the phone doesn't work, oh my god. If the printer won't print, oh my god. I need help quickly. Yep.\n\nYou're right. It'll come from the Odoo site. It'll say from Dana at Oakview as well or from, I think, sign at Oakview. Yeah. Nothing yet.\n\nThat's okay. The others, yeah, are about sort of five to ten minutes ago. Yeah. That's okay. Did you want me to run you through the recommendations while that sort of does come through?\n\nAnd if it does pop through, just let me know. I will try to keep it as brief. I don't wanna kinda overcomplicate it for you at all. So with the document there, we have stated it as of yesterday's day, which is when we completed it just to keep it valid for you, so our documents statements of advice are valid for six days from the date on the document. So you've got some time to read it over.\n\nLet me know if you do happen to have any questions at all. Have been prepared for yourself as of July 15. It's almost sorry. Also got my representative number on there as well. So I'm an authorized licensed financial adviser registered with ASIC, and my registration number is 1304394.\n\nNow I do also have to sorry. Because we've got chatting. I forgot to mention, we do record our calls moving forward for training and quality purposes, and it also helps me with file noting. Are you happy for me to proceed with that? Fantastic.\n\nNow this document has been limited to essentially suit regulation. So when I had a bit of a look at your super after the last sort of call and this last twelve months, your super has still performed very well. You have received net of fees of 8.77% return, so it is really good. However, our conversation last year was you are getting closer to retirement, so you wanted to make sure and maybe readjust the portfolio to there have been some underperforming investments that have held the portfolio back a little bit. So I did wanna look at adjusting things for you, keep you on track, maybe also look at the fees you're paying within the portfolio as well and try to limit those a bit because that takes more money invested for you at the end of day as well.\n\nYeah. So your goal with regard to super in retirement was that you're hoping to retire at about age 65, and income in retirement was about $600 per week currently. Is that still fairly accurate? Yes. Beautiful.\n\nSo I have scoped in the superannuation side of things. Now you did kinda mention to me last year when we spoke that you were happy with the insurances that you did have as well, so there was no need to change the insurances. Into this document, I've not made any new recommendations about insurances, but I what I do is I essentially scope it into a limited scope. So I've accepted the insurance premiums into the projection side of things, and that is appropriate to be advised because as insurances get more expensive as they get older, they do have an effect in our retirement. So this sort of shows you the projected outcome of what we're expecting based on the changes and your current scenario, and it's factors in the insurance premiums there for you as well.\n\nOkay? And the other thing I sort of wanted to look at with you is because you are getting closer to retirement, that you have about nine years before you're wanting to access the super. Essentially, we wanted to also look at where you were tracking for, so actually have a look at the retirement projection. It is limited, so it's in because I don't do a full retirement advice document until you are actually ready to retire, and we know exactly what you're gonna need to earn and how it's gonna And I wanna also factor Deborah into that kind of advice as well. So as you guys get closer, I would like to really look at things together for you, look at your goals together, look at what you're tracking for, how that affects the both of you, and how long super might last between the two of you.\n\nBut for this document, I've done a limited straight projection based on what I'm recommending and what this looks like in retirement based on this goal just for yourself. Okay? Excellent. Areas we're not looking at is cash on debt reduction for you guys. Do have a bit of a mortgage.\n\nYou are wanting to pay that down prior to, obviously, retiring there. If you did need any assistance in the area, we do provide financial advice around those, but I'll just scope that out of this document for the time being for you. We'll focus on super for this moment for you. Okay? Excellent.\n\nAs you are going through the document, we do have assets and liabilities noted down as per your last conversation with us. If if they have changed, that is okay. It is normal and expected. But if there is anything else you are reading it later on you want me to update in the back end, just let me know. I'm more than happy to make any changes that you need.\n\nOkay? Excellent. So yeah. Oh, fantastic. Yep.\n\nSo if you just press on the sign and go through to the next page, it should let you scroll through that document there. Excellent. And to make things easier on you, I'm yeah. And if you go down to page 17 when you're able to look at that, that's probably really good timing, actually. Page 17.\n\nYeah. You'll see the heading is recommended investment superannuation. The 17. Yep. That's the one.\n\nYeah. Good timing. Because this is the part that gets a little bit convoluted. But, essentially, having a look at your investments within Hub twenty four, you can see, essentially what we wanna change in buy and sell. Now I did go back and review Hub twenty four as a super platform as well, and I am recommending we retain that.\n\nIt is not a bad platform. You guys are linked in the background as well, so you do have the aggregation, which means that because you're the link in the background, all your fees, like admin fees and things are reduced as much as absolute possible. They have this family fee aggregation side of it. So what I'm recommending we do with the investments is we do do a bit of a switch around. So we are going to sell off all the battery and lithium tech.\n\nIt has done really well. It's not a bad place to be, but it is very much a somatic or a themed ETF. I wanna sell that down completely and cement the gains that you have had out of that one. Then along the same equity, this investment has been underperforming in your portfolio for the last couple of months, and I wanted to get rid of that. And I've looked at some other options for you.\n\nEssentially, then along was placed as an actively managed investment. So the job of the investment manager for Bennelong is they're trying to buy and sell in a way that the returns that they achieve outperform against the market. They haven't been able to do that, And active managers as a whole have had trouble doing that this year, not just because of what's been occurring in the market generally with The US and Iran war, but Benelbaum have had some underlying issues that we've decided it's not worth you staying in there. You're too close to retirement to be in underperforming investors, so it's time to give them the second move from your portfolio. Yeah.\n\nYou've also got some bank hybrids in there as well. These are more of a complex investments. They're sort of like bonds where you're putting money into the bank's investment areas. They're giving you regular income payments, but bank hybrids are also traded like shares are on the on the ASX. These are actually being phased out by the government in the next couple of years.\n\nSo instead of having to hold on to them now and sell them down the track because you are so close to retirement, we're better off getting rid of those now for you as well. Okay? Physical gold has done really, really well. We wanna keep that in your portfolio. It is still a great place to be.\n\nPhysical gold is a growth investment, but it also acts alternatively. So you've got about 8.91% in your portfolio. At the moment, we wanna hold 10%, so we're gonna buy a little bit more of that for you. Cool. Yeah.\n\nCybersecurity, again, is a really good investment. It has had a bit of a pullback this year. It has been affected by the Iran war with The US, so it has had a little bit of a downtime, but it's still a good investment to hold on to. You have about 7% there at the moment, and we wanna hold about 5%. So we're just gonna submit some of the gains that you've received in that investment and rebalance it back for you.\n\nOkay? Bonds are are great investments. These are more defensive in nature. They are it's a combination of government and corporate bonds essentially. You've only got about 8% there at the moment.\n\nBecause we're removing the bank hybrid completely, we wanna still have defensive investments, and defensive investments are low risk cash producing. And we need to make sure we have enough of those in your portfolio. So we're gonna increase your exposure in the core composite bonds to account for removing the bank hybrid and bring you up to about 14% there. Okay? The SMB 500, this is giving you exposure to the top 500 companies on The US, and it is still a good investment today.\n\nHas seen a bit of fluctuation. Overall, has seen really good gains after, you know, everything we went through with that. Between I think the downtime, the worst point for that investment was around about March and April, which is when Trump was absolutely in the news every day, and there was a lot more sort of said about it. But it has kinda evened out quite significantly, and we're still seeing really good gains out of the S and P 500. So we're gonna increase your exposure a bit to 30% for the portfolio.\n\nWe've also got Van X Property. This is giving you exposure to property in Australia. It has been really good, but property is having a bit of a fallback. So we are just gonna remove that. It's more of a somatic sort of themed investment.\n\nIt is there more for growth. We also wanna look at reducing your risk level in your portfolio because you are closer to retirement as well. So the that reducing the cost, keeping the gains working and compounding, but also sort of reducing the risk level as much as possible as you get closer to retirement as well. So I am gonna remove that completely from the portfolio and sell that down. And we've got the beta shares roughly 200.\n\nThat's giving you exposure to 200 companies on the ASX. We're looking at both mid, large cap, and small cap companies. Sorry. Because they're getting rid of the Venelong Equities, I'm also removing the BetaShares RAPI 200, and we're gonna move that exposure into something else for you. It's still gonna be Australian equity, so we'll keep that exposure level.\n\nWith the purchases, to replace a lot of what we're removing, we're gonna give you exposure to Europe. This is giving you exposure to all 16 European countries, all established markets, and it is a really good place to see a lot of growth at the moment, and moving forward, we'll continue. It's also giving you more diversification because it's spreading your risk level across more countries. Japan has looked after its economy really, really well at the moment, so it is a really good place to see growth, especially with a lot of the hardship. Like, China was meant to come out of COVID and be kind of the building block for most investments in companies.\n\nHowever, it hasn't kind of worked out that way. There's still a lot of hostility with China, but Japan has been where a lot of companies are kind of moving their manufacturing into. And Japan also looked after their country very, very well with stockpiling fuel and things like that for what we've just gone through. So we are wanting to put some more money into the Japanese economy and just having about 5% of your portfolio there for you. Okay?\n\nYeah. With Vanguard All World ex US investment there, that's essentially giving you exposure to the entire globe. They're giving you more diversification, which overall helps to reduce the risk of your portfolio. It is ex US, so not including The US, and that's because you've got the S and P 500 exposure above this. Don't wanna have too much exposure into The US.\n\nBut that's a really good low risk investment. It's a really good diversified investment as well, and it's low costing because it's Vanguard. It tracks essentially the all world index, so it's fantastic. And then because we are removing the Australian exposure out of the banner long and the beta shares, Rafi, we're gonna put you into the a 200. This is giving you exposure to the top 200 companies on the ASX.\n\nSo it's actually by removing the banner long, it's actually giving you more diversification. It's still giving you a great exposure into the market. We're gonna hold about 20% of your portfolio, and it's actually lower cost as well. So it's healthy to save fees, investment fees in your portfolio, which is really important. But that's essentially the changes that I wanna make to your portfolio for you.\n\nThat's okay. Yeah. Essentially, with your cash account, we only ever wanna hold 1.5% cash within the cash account in the super fund. You do have about 1.6 at the moment, so we're gonna take some of that cash and reinvest it. Our money was part of being invested rather than sitting in cash.\n\nSo we'll just make sure that that cash account is reduced to the minimum it needs to be. If you scroll down for me sorry. Just to page number I'm just going through really To page number 23. Yeah. Page number 23.\n\nYep. This got the fee comparison table for you. Beautiful. Now the other part of the recommendation, essentially, is that you are currently salary sacrificing. It's about a $164 on a a weekly basis in the super.\n\nI did sort of have a look at the projected outcome, and I'm recommending that you just increase that salary sacrifice a little bit more. So adding it to $36 per week will bring your salary sacrifice up to about $200 per week. So if you guys can afford that, just increasing your salary sacrifice each week will also provide benefit. It means that more money will be going into your space. So being invested in the portfolio to help grow that over the next couple of years for you as well.\n\nOkay? Yep. Yep. Yep. Yeah.\n\nSo that's where the employer takes that money out of your income pretax, and they just put deposit that straight into your super fund the same as your employer contribution. So, yeah, we just want you, yeah, just recommending that you make that an even 200 every fortnight so every week. This all continues to go in and is paid into your sleep. But now that employers are supposed to be paying our contributions as payday, it means that we're gonna get proper dollar cost averaging. So with your contributions going in every week or fortnight with your income being paid to you, it means that you're really gonna take advantage of the market.\n\nAnd instead of having lump sum once every couple of months, we'll have regular contributions, which is gonna provide greater benefit long term. So yeah. Yeah. Yep. Yep.\n\nYep. Yeah. It's yeah. Just increase it. So it levels out of the set 200 every week for you just to make it a bit easier.\n\nAnd then if you are getting additional overtime, what you could always do is put that aside into an account in, like, your bank account or something. If you wanted to make extra contributions when you get more money, absolutely. But you could also hold that aside. And at the end of the financial year, we can always have a look at what you've got available to you, what your contributions look like, and we could also look at making tax up contributions and deductible contributions that might also give you a tax deduction at the end of the year as well. So I just yeah.\n\nI just think if we have a level a level of salary sacrifice on top of your normal employer contributions, that just kinda gives you regular increments of money being invested, which is dollar cost averaging and provides that greater benefit. And then anything additional, if you hold that aside, if you want, end of financial year so I could make it in May every year. I give you a call. We talk about what you have available, the contributions that have gone in, and we can look at whether we make additional contributions and make it more of a tax deduction for you so you get a little bit more of a deduction at the end of the financial year. Yeah.\n\nLet's have a look. That's okay. Let me have a look there for you. Okay. Perfect.\n\nSo you received a call from Michelle that was on the ninth of the sixth. Yeah. So she noted that you'd you'd that you'd made some personal contributions. She was reaching out to find out whether you wanted to claim this as a tax deduction. So let me just have a look at your actual super and go back here for you.\n\nAnd yeah. Yep. Yeah. It definitely does. So it looks like you made some additional non concessional contributions last financial year of and we still have non concessional contributions of $3,787.01 that was made to the fund.\n\nYou can claim a notice of intent against those funds, and that essentially means that they become what's called a deductible contribution. So that 3,000 what have we got? $3,787, you can claim as a tax deduction at the end of the financial year, and you claim that on your tax return. But in order to have that happen, we just have to claim a notice of intent. The only issue I have with doing that full amount is that your contributions for the last financial year actually totaled 29,707 and 63¢.\n\nSo you were actually very close to the cap at the end of the year. So what I would probably like to do really quickly is if after the call, are you able, at some point, say, able to get into your myGov account at all and get your yep. Because of your balance and your age, we can look to utilize carry forward contributions, so unused employer and sell back from the last five financial years. But I just need to see what you have available to you over the past five years to determine how much we can actually claim under that tax deduction. So I'll send you an email after the call with directions on how to get that.\n\nCan you grab the email to me? I can have a look at your availability and look at whether we can claim that full amount for you. Is that okay? Yep. That's okay.\n\nEasy done. And, look, honestly, we can do we do that every year. We can have a look at what you've got available to you and make that deductible contribution at the end of the finance to a year if you'd like to and look at what available cap space you have. You're able to use carry form contributions until your balance reaches 500,000. Once your balance reaches 500,000, as at June 30, any financial year, the following year, you lose tax to carry forward.\n\nSo it's good to try and use that now, and it'll also provide a little bit of a boost to you. And then look, a tax deduction's not a bad thing. We all pay way too much tax. Yeah. That's it.\n\nSo yeah. Look. Honestly, that that's what I'm what I'm recommending. We switch the investments out a little bit, do a bit of an update of your portfolio there. With that page, you'll see at the bottom, you are a growth investor.\n\nAs I kind of explained last time, was a growth investor has that eighty twenty split between growth investments to defensive investments there. And in your current tab there, you'll see the older investments, whilst your portfolio was a little bit lower than that this year, has averaged about 9.54% on a yearly basis over the past five years, which isn't bad at all. But the newer portfolio, when we look at how that has performed, it had a greater past performance. So if that can do the same thing over the next five to ten years, it actually puts you in a much greater position. So in nine years, we could actually see you with a bit over $700,000 in super.\n\nYeah. Yeah. As a bit of a disadvantage, I do have to let you know, I do consider the tax effect on your super. So just like you do a tax return every year, so does your super fund. The CGT is something super does account for.\n\nTo make the switch on the investment, it's essentially worked out that the CGT is expected to be $1,886. It just means that your super fund accounts that after we complete the switch, and they take care of that for you. But I just have to let you know that that is an expectation. Okay? Easy.\n\nBut the positive to it is, as I mentioned, the new investors are cheaper. So the cheaper. So the investment fee is actually expected to save you $755 for the first year. So it's a cheaper portfolio and means more money stays invested in your super for you. Yeah.\n\nOh, that's okay. Essentially, I kinda mentioned I did do a bit of a retirement projection for you, and that's sitting on page number 25. So it's looking at if you were able to, you know, get your super up as high. I use a much more conservative rate return. So when I'm doing the projection table above with the fees, we utilize the 11.7 and project that forward.\n\nHowever, in retirement, I use a much more conservative rate projection. So it essentially shows we should be able to see your balance at least at 560,000 and in between that sort of $760,000 mark as well. So it's kind of about determining what the expectation is around market performance, but understanding volatility is a factor as well. So I kind of do that range. And when I'm projecting into retirement, I do do a much more conservative projection for you.\n\nSo we can sort of see what the expectation is and build on that. It means that anything that we would achieve over that expectation is only a benefit to you and puts you in a much greater position long term as well. Okay? Yes. It's a roller coaster of emotion, isn't it?\n\nLook. I honestly really enjoy it, and I think the one thing I like to point out to people is that we all you know, we see things that are red and negative figures, and we're taught to look at that as a a negative thing. It makes us doesn't make us feel good in any way, shape, or form. But the idea of having me here as your adviser is that I'm here to talk you through those downtime to keep you invested because the last thing we should be doing is selling out of those downtime. And, I mean, I actually kinda get excited when there's a downtime.\n\nSo long as you're not retiring this year or next year or the year after, it's about taking advantage of that. So when the markets do take a bit of a dip truck, you know, put something out there and, you know, the market's taking a bit of a hit, that's a buying opportunity. So it's good to get some money into the market by those discount investments. And when that market takes effect and people see that going up, most people are gonna get into it. The biggest thing with market ups and downs is it's all about emotional buying and selling.\n\nSo when people say investment is going down, they go, oh, no. I have to get out. And that's real that creates a bit of a sell off, and that's where those larger dips come out of. What I like to do is, yeah, we go, cool. That's a dip.\n\nThat's down. That's okay. You're not retiring. Let's buy into that now, and let's wait for it to come out, and then you kinda see the the advantage of that. The risk is you buy in and it keeps falling, but that's okay.\n\nYou just kinda gotta wait. You wait through it, and that's why contributions and salary sacrifice on a weekly basis is really good for you because you're you're putting that money in on a regular basis. It's buying into the market no matter what the market's doing. We're not trying to time the market, but we are staying invested throughout the market and taking advantage of whatever the market is doing and buying in at the all the ups and the downtime consistently. And that's where the events have come out at the end of the day.\n\nSo yeah. Yeah. Easy. All good. So feel free to have a good reach of the documents there.\n\nI'll just let you know, obviously, you do pay an ongoing service fee for our services. There's no implementation fees or upfront cost for this. The last document is all part of you being a client and me looking after you and working in your best interest. The ongoing service fee for yourself and because Deborah is a client as well is 1.10% per annum, and then we deduct that in smaller monthly income as that of your super. And the document does outline what the expectation is, and that's added into the projection side of things for you as well there.\n\nSo if you wanted to have a bit of a range of the document, I've got advantages, disadvantages, risks, alternatives that I've considered, and I've also got a best interest duty related back to each of the recommendations Just so you can kinda see how we relate that back to your goal and why the recommendations and the advice is in your best interest. Okay. Easy. Yep. Yep.\n\nYep. So the multiline is just if you don't have if there's any part of the recommendations you do not wish to take on board, if you the multiline should be optional. If it's mandated and makes you put something in it, you can write NA if there's nothing that you wanna if you have your take on all the recommendations. Or if there's something that you decide you're not wanting to take on board or don't wish us to implement, just write a little note in there. Okay?\n\nYep. Perfect. Perfect. And, yeah, and the other document attaches the ongoing service agreement for the next twelve months there as well if you're happy to remain a client for another year. Oh, yeah.\n\nThe date should automatically prompt for you. Yeah. Easy. And then next. Yep.\n\nYep. Did you want me to let me just go into mine as well so I can I tend to have to go into mine to follow through because you get a little bit lost in them, I guess? Yep. So if you go into service yeah. And then services when you get the services option.\n\nSo if you go into myGov, it says, hi, Shane. If are you on your phone in the app? Yep. So at the very bottom, you should have home, wallet, inbox, and services. Yep.\n\nSo services, and then click on the ATO. Beautiful. That should just take a second to load. And then from there, you've got menu at the very top. Just click on the menu.\n\nYep. And then we click on super. Beautiful. And then we should go for information, and then we go carry forward concessional contribution. And then if we scroll down, it'll tell us essentially whether you're eligible or not eligible for carry forward.\n\nIf you go down further under the financial year, it still should say unused concessional contributions available to carry forward. Can you see that in, like, a little blue box? Yep. Does it give you an option for financial years? Because normally, it has the heading carry forward concessional contributions, a whole bunch of information on eligibility, and then it should say total superannuation balance as of thirtieth of June 2025.\n\nAnd then underneath that yep. And then underneath that, you'll have financial year, and then underneath that is, like, a unused concessional contributions available for the section. Section. Yep. Yep.\n\nOkay. Is there, like, a drop down section? Does it sort of say more information or anything underneath that? Does it say show details? Interesting.\n\nBecause your balance is definitely under the threshold. You should have access to carry forward. Unless unless you've used the cap most years, and there isn't any carry forward put in. That's okay. Let me have a look.\n\nI'm just gonna go back in hub to the earliest I can see to see what we've got available. Okay. So last yep. Yep. Yep.\n\nPerfect. Perfect. Underneath that, you should have a whole list of previous financial years as well. Do can you see that list? Yep.\n\nYep. Yep. Beautiful. Yep. Beautiful.\n\nCan I'm gonna send you an email now so you've got my email there. Can you do me a favor and screenshot that and email it to me? Yeah. If you can. Yeah.\n\nIf you if you can if it's possible, try to get as many as many of the last five years as possible. Normally, it shows you all previous financial years, so you can kinda screenshot them. If not, if you can just go back the years that let you and just screenshot those for me and send those individually through, I can just tally up what you have available. And that way, we've got a bit of a record for you for moving forward, and I'll reply back with what you're able to claim under the notice of intent. And then you can just let me know if that's what you want me to do.\n\nWe don't need you to sign anything. I just need confirmation via email that's what you want me to do, and I can do that in the system for you and then send you the confirmation of that for the last financial year. Oh, fantastic. Yeah. That sounds about right.\n\nI'm just Beautiful. Alright. I'm just sending that email to you now. Hopefully, it comes through fairly quickly. If not, whenever it comes through, that's absolutely fine.\n\nAnd as soon as I get it, I'll look at that for you. I'll do the math. I'll work out what I'll just double check that you have the whole available for this last financial year. And if that's what if you have that available, are you happy to claim the whole amount that you've got there? So we've essentially got $3,787.01 to claim.\n\nBeautiful. Alright. I've sent that one to you. And I've just got the confirmation that you signed the documents, so thank you for that. Really appreciate it.\n\nAll good. I really enjoy this. I wanna make sure things work harder for you. And, look, advice doesn't stop at retirement. You could have a whole another lifetime in retirement.\n\nWe'll keep updating and making sure it all lasts for you in those retirement years as well. Okay? Beautiful. That's what I do. I'm very much the retirement person with us.\n\nSo happy to help you along and make sure we get to that point and that you enjoy your retirement years and spend as much time with your grandkids as possible. My pleasure. I'll let you go. When that email comes, if you send those back to me, I'll reply back straight away so you know that I've got it, and we'll get that sorted for you today. Easy.\n\nAbsolutely. Yep. Absolutely. Not a problem. If any questions come out of it, let me know.\n\nIf you have trouble reaccessing it, let me know. We can always resend it back to you as well. Okay? Thanks. The you too.\n\nThanks so much, Shane. Talk to you soon. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Shane.","start":2.8799999,"end":3.4399998,"sentiment":"neutral","sentiment_score":0.16381792724132538},{"text":"It's Shane of Smoky Financial.","start":3.4399998,"end":4.98,"sentiment":"neutral","sentiment_score":0.17817981243133546},{"text":"How are you this morning?","start":5.04,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.2954173505306244},{"text":"I'm very well.","start":8.96,"end":10.0,"sentiment":"positive","sentiment_score":0.6169146498044332},{"text":"Thank you.","start":10.0,"end":10.4,"sentiment":"positive","sentiment_score":0.6479955613613129}],"sentiment":"positive","sentiment_score":0.34366804361343384,"num_words":17,"start":2.8799999,"end":10.4},{"sentences":[{"text":"Thank you for asking.","start":10.4,"end":11.54,"sentiment":"positive","sentiment_score":0.5988944321870804},{"text":"I have you booked have you booked in just to go to your updated advice document.","start":11.84,"end":15.925,"sentiment":"neutral","sentiment_score":0.1471767658367753},{"text":"Is now a good time there for you?","start":15.925,"end":17.945,"sentiment":"neutral","sentiment_score":0.24312267266213894},{"text":"Oh, congratulations.","start":31.06,"end":31.72,"sentiment":"neutral","sentiment_score":0.32540225237607956},{"text":"Yeah.","start":42.035,"end":42.535,"sentiment":"neutral","sentiment_score":0.015039009042084215}],"sentiment":"neutral","sentiment_score":0.23745906055574456,"num_words":31,"start":10.4,"end":42.535},{"sentences":[{"text":"Yeah.","start":43.395,"end":43.895,"sentiment":"neutral","sentiment_score":0.008182617835700512},{"text":"It's a lot.","start":48.114998,"end":49.015,"sentiment":"neutral","sentiment_score":0.009542558807879686},{"text":"Yeah.","start":49.155,"end":49.655,"sentiment":"neutral","sentiment_score":0.04529716074466705},{"text":"It's a lot.","start":54.449997,"end":55.43,"sentiment":"neutral","sentiment_score":0.015536771466334661},{"text":"No.","start":58.37,"end":58.85,"sentiment":"neutral","sentiment_score":0.01496834121644497}],"sentiment":"neutral","sentiment_score":0.015965123402161732,"num_words":9,"start":43.395,"end":58.85},{"sentences":[{"text":"All good.","start":58.85,"end":59.67,"sentiment":"neutral","sentiment_score":0.10588428750634193},{"text":"You're right.","start":60.21,"end":61.03,"sentiment":"neutral","sentiment_score":0.055183324962854385},{"text":"Yeah.","start":72.705,"end":73.104996,"sentiment":"neutral","sentiment_score":0.01596871390938759},{"text":"So, basically, last time we called up, we had a bit of an admin review.","start":73.104996,"end":77.14,"sentiment":"neutral","sentiment_score":0.027789393439888954},{"text":"I went back and looked at doing some advice for you to sort of look at what we might need to change and update the advice to sort of keep you on track for your retirement goals there.","start":77.14,"end":86.2,"sentiment":"neutral","sentiment_score":0.06583613304323271}],"sentiment":"neutral","sentiment_score":0.056150308553257894,"num_words":58,"start":58.85,"end":86.2},{"sentences":[{"text":"So this this is essentially the advice document showing you.","start":86.82,"end":89.78,"sentiment":"neutral","sentiment_score":0.1419398717582226},{"text":"I've done the research.","start":89.78,"end":90.66,"sentiment":"neutral","sentiment_score":0.12778432294726372},{"text":"I've got the recommendation here.","start":90.66,"end":93.145004,"sentiment":"neutral","sentiment_score":0.14423471689224243},{"text":"It was around sort of looking at your super, maybe readjusting the portfolio as well, maybe removing some investments that'll be underperforming a little bit for you.","start":93.145004,"end":102.285,"sentiment":"neutral","sentiment_score":0.09848786200638171},{"text":"And then we also talked about salary sacrifice and what you might need to maybe do to increase that to kinda keep you on track to boost the super a bit over the next few years.","start":102.665,"end":111.74,"sentiment":"neutral","sentiment_score":0.1762973895917336}],"sentiment":"neutral","sentiment_score":0.14216570601594158,"num_words":82,"start":86.82,"end":111.74},{"sentences":[{"text":"Easy.","start":113.799995,"end":114.299995,"sentiment":"neutral","sentiment_score":0.10528216511011124},{"text":"I have sent you an email.","start":114.36,"end":115.64,"sentiment":"neutral","sentiment_score":0.044979831824700035},{"text":"Are you able to open that email at all?","start":115.64,"end":117.8,"sentiment":"neutral","sentiment_score":0.033850130521588855},{"text":"If you're not, that's absolutely fine.","start":117.8,"end":119.659996,"sentiment":"neutral","sentiment_score":-0.0009966136422008276},{"text":"Sorry.","start":131.805,"end":132.305,"sentiment":"negative","sentiment_score":-0.386023223400116}],"sentiment":"neutral","sentiment_score":0.012513453282577833,"num_words":23,"start":113.799995,"end":132.305},{"sentences":[{"text":"Oh, Shane.","start":135.81999,"end":136.48,"sentiment":"neutral","sentiment_score":-0.029805248603224754},{"text":"Oh, no.","start":145.96501,"end":152.845,"sentiment":"neutral","sentiment_score":-0.1713605374097824},{"text":"Oh, no.","start":152.845,"end":153.485,"sentiment":"neutral","sentiment_score":-0.1709222048521042},{"text":"And you probably just had everything right.","start":153.485,"end":155.32501,"sentiment":"neutral","sentiment_score":-0.07625719000186239},{"text":"Right?","start":155.32501,"end":155.485,"sentiment":"neutral","sentiment_score":0.04730258882045746}],"sentiment":"neutral","sentiment_score":-0.08790526592305728,"num_words":14,"start":135.81999,"end":155.485},{"sentences":[{"text":"You wanted it today as well.","start":155.485,"end":157.265,"sentiment":"neutral","sentiment_score":0.2193745964517196},{"text":"No.","start":164.74,"end":164.90001,"sentiment":"neutral","sentiment_score":-0.24600093066692352},{"text":"Honestly, I understand.","start":164.90001,"end":166.76001,"sentiment":"neutral","sentiment_score":-0.16090316077073416},{"text":"I am in my forties.","start":167.3,"end":168.58,"sentiment":"neutral","sentiment_score":-0.10901321768760681},{"text":"I'm 41, but, like, I can do math on the back of my hands.","start":168.58,"end":172.98001,"sentiment":"neutral","sentiment_score":-0.09668940678238869}],"sentiment":"neutral","sentiment_score":-0.04521312474690635,"num_words":29,"start":155.485,"end":172.98001},{"sentences":[{"text":"I can do finance left, right, and center.","start":172.98001,"end":175.205,"sentiment":"neutral","sentiment_score":-0.028500854969024658},{"text":"But when the phone doesn't work, oh my god.","start":175.205,"end":177.205,"sentiment":"neutral","sentiment_score":-0.1917943689558241},{"text":"If the printer won't print, oh my god.","start":177.205,"end":178.885,"sentiment":"neutral","sentiment_score":-0.30566377379000187},{"text":"I need help quickly.","start":178.885,"end":180.025,"sentiment":"neutral","sentiment_score":-0.23015593737363815},{"text":"Yep.","start":184.885,"end":185.385,"sentiment":"neutral","sentiment_score":0.01849650964140892}],"sentiment":"neutral","sentiment_score":-0.17671978635092575,"num_words":30,"start":172.98001,"end":185.385},{"sentences":[{"text":"You're right.","start":191.41,"end":191.89,"sentiment":"neutral","sentiment_score":0.05712215043604374},{"text":"It'll come from the Odoo site.","start":191.89,"end":193.33,"sentiment":"neutral","sentiment_score":0.03919475091000398},{"text":"It'll say from Dana at Oakview as well or from, I think, sign at Oakview.","start":193.33,"end":197.83,"sentiment":"neutral","sentiment_score":0.023882419678072135},{"text":"Yeah.","start":197.97,"end":198.47,"sentiment":"neutral","sentiment_score":-0.013150985352694988},{"text":"Nothing yet.","start":208.625,"end":209.345,"sentiment":"neutral","sentiment_score":-0.08517000824213028}],"sentiment":"neutral","sentiment_score":0.020159926910239916,"num_words":26,"start":191.41,"end":209.345},{"sentences":[{"text":"That's okay.","start":209.345,"end":210.165,"sentiment":"neutral","sentiment_score":0.03389940969645977},{"text":"The others, yeah, are about sort of five to ten minutes ago.","start":210.78499,"end":217.29999,"sentiment":"neutral","sentiment_score":0.00008381841083367665},{"text":"Yeah.","start":218.79999,"end":219.29999,"sentiment":"neutral","sentiment_score":0.09494110196828842},{"text":"That's okay.","start":220.56,"end":221.37999,"sentiment":"neutral","sentiment_score":0.11797921359539032},{"text":"Did you want me to run you through the recommendations while that sort of does come through?","start":221.59999,"end":225.44,"sentiment":"neutral","sentiment_score":0.05824340134859085}],"sentiment":"neutral","sentiment_score":0.04087770565905992,"num_words":34,"start":209.345,"end":225.44},{"sentences":[{"text":"And if it does pop through, just let me know.","start":225.44,"end":227.785,"sentiment":"neutral","sentiment_score":0.160659034922719},{"text":"I will try to keep it as brief.","start":227.785,"end":229.545,"sentiment":"neutral","sentiment_score":0.10075776930898428},{"text":"I don't wanna kinda overcomplicate it for you at all.","start":229.545,"end":232.44499,"sentiment":"neutral","sentiment_score":0.03707538149319589},{"text":"So with the document there, we have stated it as of yesterday's day, which is when we completed it just to keep it valid for you, so our documents statements of advice are valid for six days from the date on the document.","start":235.94499,"end":247.43,"sentiment":"neutral","sentiment_score":0.2136688617079757},{"text":"So you've got some time to read it over.","start":247.43,"end":249.29,"sentiment":"neutral","sentiment_score":0.1729414446486367}],"sentiment":"neutral","sentiment_score":0.16909550467389636,"num_words":80,"start":225.44,"end":249.29},{"sentences":[{"text":"Let me know if you do happen to have any questions at all.","start":249.34999,"end":252.17,"sentiment":"neutral","sentiment_score":0.20552324331723726},{"text":"Have been prepared for yourself as of July 15.","start":252.70999,"end":256.965,"sentiment":"neutral","sentiment_score":0.12717747688293457},{"text":"It's almost sorry.","start":258.145,"end":259.185,"sentiment":"neutral","sentiment_score":0.06291132668654124},{"text":"Also got my representative number on there as well.","start":259.185,"end":261.505,"sentiment":"neutral","sentiment_score":0.06871262358294593},{"text":"So I'm an authorized licensed financial adviser registered with ASIC, and my registration number is 1304394.","start":261.505,"end":268.245,"sentiment":"neutral","sentiment_score":0.05973281757906079}],"sentiment":"neutral","sentiment_score":0.11158544257283211,"num_words":50,"start":249.34999,"end":268.245},{"sentences":[{"text":"Now I do also have to sorry.","start":269.55002,"end":271.07,"sentiment":"neutral","sentiment_score":0.01693324145994016},{"text":"Because we've got chatting.","start":271.07,"end":271.95,"sentiment":"neutral","sentiment_score":-0.0008447009895462543},{"text":"I forgot to mention, we do record our calls moving forward for training and quality purposes, and it also helps me with file noting.","start":271.95,"end":278.03,"sentiment":"neutral","sentiment_score":0.06358518971440692},{"text":"Are you happy for me to proceed with that?","start":278.03,"end":280.37,"sentiment":"neutral","sentiment_score":0.12664886232879427},{"text":"Fantastic.","start":281.805,"end":282.305,"sentiment":"positive","sentiment_score":0.5799100399017334}],"sentiment":"neutral","sentiment_score":0.07468773867262321,"num_words":45,"start":269.55002,"end":282.305},{"sentences":[{"text":"Now this document has been limited to essentially suit regulation.","start":283.325,"end":286.545,"sentiment":"neutral","sentiment_score":0.23818756341934205},{"text":"So when I had a bit of a look at your super after the last sort of call and this last twelve months, your super has still performed very well.","start":287.005,"end":294.305,"sentiment":"neutral","sentiment_score":0.24185846547285716},{"text":"You have received net of fees of 8.77% return, so it is really good.","start":294.47,"end":300.41,"sentiment":"positive","sentiment_score":0.3718959816864559},{"text":"However, our conversation last year was you are getting closer to retirement, so you wanted to make sure and maybe readjust the portfolio to there have been some underperforming investments that have held the portfolio back a little bit.","start":301.03003,"end":313.505,"sentiment":"neutral","sentiment_score":-0.019378658479604967},{"text":"So I did wanna look at adjusting things for you, keep you on track, maybe also look at the fees you're paying within the portfolio as well and try to limit those a bit because that takes more money invested for you at the end of day as well.","start":313.505,"end":327.32,"sentiment":"neutral","sentiment_score":0.06517810214843069}],"sentiment":"neutral","sentiment_score":0.12170515962364808,"num_words":142,"start":283.325,"end":327.32},{"sentences":[{"text":"Yeah.","start":327.32,"end":327.82,"sentiment":"neutral","sentiment_score":0.09408439695835114},{"text":"So your goal with regard to super in retirement was that you're hoping to retire at about age 65, and income in retirement was about $600 per week currently.","start":328.28,"end":337.9,"sentiment":"neutral","sentiment_score":0.08215455556737966},{"text":"Is that still fairly accurate?","start":337.96,"end":339.5,"sentiment":"neutral","sentiment_score":0.0734216332435608},{"text":"Yes.","start":340.845,"end":341.345,"sentiment":"neutral","sentiment_score":0.12917345762252808},{"text":"Beautiful.","start":342.045,"end":342.545,"sentiment":"neutral","sentiment_score":0.0791233479976654}],"sentiment":"neutral","sentiment_score":0.08248571568244212,"num_words":37,"start":327.32,"end":342.545},{"sentences":[{"text":"So I have scoped in the superannuation side of things.","start":343.165,"end":345.885,"sentiment":"neutral","sentiment_score":0.12647324800491333},{"text":"Now you did kinda mention to me last year when we spoke that you were happy with the insurances that you did have as well, so there was no need to change the insurances.","start":345.885,"end":353.42502,"sentiment":"neutral","sentiment_score":0.2396710895221023},{"text":"Into this document, I've not made any new recommendations about insurances, but I what I do is I essentially scope it into a limited scope.","start":354.63,"end":362.15,"sentiment":"neutral","sentiment_score":0.08075439408421517},{"text":"So I've accepted the insurance premiums into the projection side of things, and that is appropriate to be advised because as insurances get more expensive as they get older, they do have an effect in our retirement.","start":362.15,"end":374.795,"sentiment":"neutral","sentiment_score":0.1610409033459586},{"text":"So this sort of shows you the projected outcome of what we're expecting based on the changes and your current scenario, and it's factors in the insurance premiums there for you as well.","start":375.015,"end":386.82,"sentiment":"neutral","sentiment_score":0.3143182717489474}],"sentiment":"neutral","sentiment_score":0.1997368760246167,"num_words":139,"start":343.165,"end":386.82},{"sentences":[{"text":"Okay?","start":386.88,"end":387.38,"sentiment":"neutral","sentiment_score":0.2191576361656189},{"text":"And the other thing I sort of wanted to look at with you is because you are getting closer to retirement, that you have about nine years before you're wanting to access the super.","start":388.4,"end":396.18,"sentiment":"neutral","sentiment_score":0.1454651994521127},{"text":"Essentially, we wanted to also look at where you were tracking for, so actually have a look at the retirement projection.","start":396.48,"end":402.975,"sentiment":"neutral","sentiment_score":0.07260998693250474},{"text":"It is limited, so it's in because I don't do a full retirement advice document until you are actually ready to retire, and we know exactly what you're gonna need to earn and how it's gonna And I wanna also factor Deborah into that kind of advice as well.","start":403.355,"end":417.03,"sentiment":"neutral","sentiment_score":0.0018402637761770462},{"text":"So as you guys get closer, I would like to really look at things together for you, look at your goals together, look at what you're tracking for, how that affects the both of you, and how long super might last between the two of you.","start":417.33,"end":430.035,"sentiment":"neutral","sentiment_score":0.18023997221304022}],"sentiment":"neutral","sentiment_score":0.09980791913875878,"num_words":151,"start":386.88,"end":430.035},{"sentences":[{"text":"But for this document, I've done a limited straight projection based on what I'm recommending and what this looks like in retirement based on this goal just for yourself.","start":430.035,"end":438.775,"sentiment":"neutral","sentiment_score":0.19423576367312465},{"text":"Okay?","start":438.995,"end":439.495,"sentiment":"neutral","sentiment_score":0.12753230333328247},{"text":"Excellent.","start":442.16,"end":442.66,"sentiment":"positive","sentiment_score":0.5557027459144592},{"text":"Areas we're not looking at is cash on debt reduction for you guys.","start":443.12,"end":446.66,"sentiment":"neutral","sentiment_score":-0.17524664390545625},{"text":"Do have a bit of a mortgage.","start":446.72,"end":448.1,"sentiment":"neutral","sentiment_score":-0.029148765972682407}],"sentiment":"neutral","sentiment_score":0.0751730286899735,"num_words":51,"start":430.035,"end":448.1},{"sentences":[{"text":"You are wanting to pay that down prior to, obviously, retiring there.","start":448.4,"end":452.74,"sentiment":"neutral","sentiment_score":-0.005923655970642964},{"text":"If you did need any assistance in the area, we do provide financial advice around those, but I'll just scope that out of this document for the time being for you.","start":452.88,"end":460.41498,"sentiment":"neutral","sentiment_score":0.0485197558338123},{"text":"We'll focus on super for this moment for you.","start":460.41498,"end":463.055,"sentiment":"neutral","sentiment_score":0.09776789984769291},{"text":"Okay?","start":463.055,"end":463.555,"sentiment":"neutral","sentiment_score":0.082138791680336},{"text":"Excellent.","start":465.13498,"end":465.63498,"sentiment":"positive","sentiment_score":0.5460474491119385}],"sentiment":"neutral","sentiment_score":0.05446529441892549,"num_words":54,"start":448.4,"end":465.63498},{"sentences":[{"text":"As you are going through the document, we do have assets and liabilities noted down as per your last conversation with us.","start":466.01498,"end":472.09497,"sentiment":"neutral","sentiment_score":0.22957934845577588},{"text":"If if they have changed, that is okay.","start":472.09497,"end":474.61,"sentiment":"neutral","sentiment_score":0.17427895218133926},{"text":"It is normal and expected.","start":474.61,"end":476.07,"sentiment":"neutral","sentiment_score":0.22311360836029054},{"text":"But if there is anything else you are reading it later on you want me to update in the back end, just let me know.","start":476.53,"end":481.73,"sentiment":"neutral","sentiment_score":0.2804581266641617},{"text":"I'm more than happy to make any changes that you need.","start":481.73,"end":484.29,"sentiment":"positive","sentiment_score":0.7033046646551653}],"sentiment":"neutral","sentiment_score":0.3142021099026774,"num_words":71,"start":466.01498,"end":484.29},{"sentences":[{"text":"Okay?","start":484.29,"end":484.79,"sentiment":"neutral","sentiment_score":0.24754637479782104},{"text":"Excellent.","start":486.13,"end":486.63,"sentiment":"positive","sentiment_score":0.49665993452072144},{"text":"So yeah.","start":487.16998,"end":488.245,"sentiment":"neutral","sentiment_score":0.2247459515929222},{"text":"Oh, fantastic.","start":488.245,"end":490.185,"sentiment":"positive","sentiment_score":0.38570666313171387},{"text":"Yep.","start":493.125,"end":493.625,"sentiment":"neutral","sentiment_score":0.1361924558877945}],"sentiment":"neutral","sentiment_score":0.3001862849508013,"num_words":7,"start":484.29,"end":493.625},{"sentences":[{"text":"So if you just press on the sign and go through to the next page, it should let you scroll through that document there.","start":493.765,"end":500.425,"sentiment":"neutral","sentiment_score":0.17240697983652353},{"text":"Excellent.","start":503.24002,"end":503.72,"sentiment":"positive","sentiment_score":0.5589219927787781},{"text":"And to make things easier on you, I'm yeah.","start":503.72,"end":507.72,"sentiment":"positive","sentiment_score":0.4705783857239617},{"text":"And if you go down to page 17 when you're able to look at that, that's probably really good timing, actually.","start":507.72,"end":512.94,"sentiment":"neutral","sentiment_score":0.2262372239714577},{"text":"Page 17.","start":521.805,"end":522.705,"sentiment":"neutral","sentiment_score":0.03425754979252815}],"sentiment":"neutral","sentiment_score":0.24125248742730995,"num_words":57,"start":493.765,"end":522.705},{"sentences":[{"text":"Yeah.","start":523.245,"end":523.745,"sentiment":"neutral","sentiment_score":0.038541145622730255},{"text":"You'll see the heading is recommended investment superannuation.","start":523.805,"end":527.425,"sentiment":"neutral","sentiment_score":0.05109245516359806},{"text":"The 17.","start":541.89996,"end":542.64,"sentiment":"neutral","sentiment_score":0.02656684722751379},{"text":"Yep.","start":542.86,"end":543.36,"sentiment":"neutral","sentiment_score":0.036264777183532715},{"text":"That's the one.","start":555.505,"end":556.4,"sentiment":"neutral","sentiment_score":0.058133711417516075}],"sentiment":"neutral","sentiment_score":0.04740535952150822,"num_words":15,"start":523.245,"end":556.4},{"sentences":[{"text":"Yeah.","start":556.4,"end":556.88,"sentiment":"neutral","sentiment_score":0.0821143239736557},{"text":"Good timing.","start":556.88,"end":557.68005,"sentiment":"neutral","sentiment_score":0.2507408931851387},{"text":"Because this is the part that gets a little bit convoluted.","start":557.68005,"end":560.02,"sentiment":"neutral","sentiment_score":0.05959474803371863},{"text":"But, essentially, having a look at your investments within Hub twenty four, you can see, essentially what we wanna change in buy and sell.","start":560.24005,"end":568.0,"sentiment":"neutral","sentiment_score":0.09605176894304653},{"text":"Now I did go back and review Hub twenty four as a super platform as well, and I am recommending we retain that.","start":568.0,"end":573.895,"sentiment":"neutral","sentiment_score":0.16823759739813599}],"sentiment":"neutral","sentiment_score":0.12153845136893578,"num_words":61,"start":556.4,"end":573.895},{"sentences":[{"text":"It is not a bad platform.","start":573.895,"end":575.35504,"sentiment":"neutral","sentiment_score":0.26259656250476837},{"text":"You guys are linked in the background as well, so you do have the aggregation, which means that because you're the link in the background, all your fees, like admin fees and things are reduced as much as absolute possible.","start":575.41504,"end":586.65,"sentiment":"neutral","sentiment_score":0.31348997019231317},{"text":"They have this family fee aggregation side of it.","start":586.79004,"end":589.43005,"sentiment":"neutral","sentiment_score":0.11248807495252953},{"text":"So what I'm recommending we do with the investments is we do do a bit of a switch around.","start":589.43005,"end":595.43005,"sentiment":"neutral","sentiment_score":0.07070025703624676},{"text":"So we are going to sell off all the battery and lithium tech.","start":595.43005,"end":598.545,"sentiment":"neutral","sentiment_score":0.08465892592301735}],"sentiment":"neutral","sentiment_score":0.2019705951492163,"num_words":87,"start":573.895,"end":598.545},{"sentences":[{"text":"It has done really well.","start":598.545,"end":599.745,"sentiment":"positive","sentiment_score":0.5693081498146058},{"text":"It's not a bad place to be, but it is very much a somatic or a themed ETF.","start":599.745,"end":604.245,"sentiment":"neutral","sentiment_score":0.10840526099006335},{"text":"I wanna sell that down completely and cement the gains that you have had out of that one.","start":604.865,"end":610.085,"sentiment":"neutral","sentiment_score":0.16790510755446222},{"text":"Then along the same equity, this investment has been underperforming in your portfolio for the last couple of months, and I wanted to get rid of that.","start":610.64996,"end":618.73,"sentiment":"neutral","sentiment_score":-0.21145222453331505},{"text":"And I've looked at some other options for you.","start":618.73,"end":620.99,"sentiment":"neutral","sentiment_score":-0.0753192040655348}],"sentiment":"neutral","sentiment_score":0.018610967323184013,"num_words":77,"start":598.545,"end":620.99},{"sentences":[{"text":"Essentially, then along was placed as an actively managed investment.","start":621.61,"end":625.895,"sentiment":"neutral","sentiment_score":-0.014842592179775238},{"text":"So the job of the investment manager for Bennelong is they're trying to buy and sell in a way that the returns that they achieve outperform against the market.","start":625.955,"end":636.215,"sentiment":"neutral","sentiment_score":-0.00297143896399387},{"text":"They haven't been able to do that, And active managers as a whole have had trouble doing that this year, not just because of what's been occurring in the market generally with The US and Iran war, but Benelbaum have had some underlying issues that we've decided it's not worth you staying in there.","start":636.515,"end":653.415,"sentiment":"neutral","sentiment_score":-0.2426154995682063},{"text":"You're too close to retirement to be in underperforming investors, so it's time to give them the second move from your portfolio.","start":653.495,"end":659.995,"sentiment":"neutral","sentiment_score":-0.2469321469014341},{"text":"Yeah.","start":661.89496,"end":662.39496,"sentiment":"neutral","sentiment_score":0.0891067236661911}],"sentiment":"neutral","sentiment_score":-0.16102788910863858,"num_words":116,"start":621.61,"end":662.39496},{"sentences":[{"text":"You've also got some bank hybrids in there as well.","start":663.33496,"end":665.815,"sentiment":"neutral","sentiment_score":0.05253484807908535},{"text":"These are more of a complex investments.","start":665.815,"end":667.61,"sentiment":"neutral","sentiment_score":0.021562991131629263},{"text":"They're sort of like bonds where you're putting money into the bank's investment areas.","start":667.61,"end":672.81,"sentiment":"neutral","sentiment_score":0.01646093891135284},{"text":"They're giving you regular income payments, but bank hybrids are also traded like shares are on the on the ASX.","start":672.81,"end":678.83,"sentiment":"neutral","sentiment_score":0.010349166602827609},{"text":"These are actually being phased out by the government in the next couple of years.","start":680.615,"end":684.375,"sentiment":"neutral","sentiment_score":-0.09185700739423434}],"sentiment":"neutral","sentiment_score":-0.004001957808875225,"num_words":66,"start":663.33496,"end":684.375},{"sentences":[{"text":"So instead of having to hold on to them now and sell them down the track because you are so close to retirement, we're better off getting rid of those now for you as well.","start":684.375,"end":692.795,"sentiment":"neutral","sentiment_score":-0.12559060465012278},{"text":"Okay?","start":693.01495,"end":693.51495,"sentiment":"neutral","sentiment_score":0.16003432869911194},{"text":"Physical gold has done really, really well.","start":695.02,"end":697.74005,"sentiment":"positive","sentiment_score":0.5623264951365334},{"text":"We wanna keep that in your portfolio.","start":697.74005,"end":699.60004,"sentiment":"positive","sentiment_score":0.5156907950128827},{"text":"It is still a great place to be.","start":699.74005,"end":701.5,"sentiment":"positive","sentiment_score":0.5533504392951727}],"sentiment":"neutral","sentiment_score":0.13340151226469155,"num_words":58,"start":684.375,"end":701.5},{"sentences":[{"text":"Physical gold is a growth investment, but it also acts alternatively.","start":701.5,"end":705.2,"sentiment":"neutral","sentiment_score":0.12098439037799835},{"text":"So you've got about 8.91% in your portfolio.","start":705.58,"end":709.185,"sentiment":"neutral","sentiment_score":0.15242764819413424},{"text":"At the moment, we wanna hold 10%, so we're gonna buy a little bit more of that for you.","start":709.185,"end":713.84503,"sentiment":"neutral","sentiment_score":0.19265257057390714},{"text":"Cool.","start":714.145,"end":714.645,"sentiment":"positive","sentiment_score":0.3995815515518189},{"text":"Yeah.","start":714.705,"end":715.205,"sentiment":"neutral","sentiment_score":0.292325884103775}],"sentiment":"neutral","sentiment_score":0.17256389390677213,"num_words":40,"start":701.5,"end":715.205},{"sentences":[{"text":"Cybersecurity, again, is a really good investment.","start":715.745,"end":718.64,"sentiment":"positive","sentiment_score":0.5619607482637677},{"text":"It has had a bit of a pullback this year.","start":718.64,"end":720.72003,"sentiment":"neutral","sentiment_score":-0.036376774311065674},{"text":"It has been affected by the Iran war with The US, so it has had a little bit of a downtime, but it's still a good investment to hold on to.","start":720.72003,"end":728.98004,"sentiment":"neutral","sentiment_score":0.014570862775848757},{"text":"You have about 7% there at the moment, and we wanna hold about 5%.","start":729.36005,"end":733.69495,"sentiment":"neutral","sentiment_score":0.13816057358469283},{"text":"So we're just gonna submit some of the gains that you've received in that investment and rebalance it back for you.","start":733.69495,"end":740.51495,"sentiment":"neutral","sentiment_score":0.2626272329971904}],"sentiment":"neutral","sentiment_score":0.13820571281823768,"num_words":83,"start":715.745,"end":740.51495},{"sentences":[{"text":"Okay?","start":740.57495,"end":741.07495,"sentiment":"neutral","sentiment_score":0.07320773601531982},{"text":"Bonds are are great investments.","start":743.14996,"end":745.14996,"sentiment":"neutral","sentiment_score":0.24737294614315034},{"text":"These are more defensive in nature.","start":745.14996,"end":747.08997,"sentiment":"neutral","sentiment_score":0.1999561885992686},{"text":"They are it's a combination of government and corporate bonds essentially.","start":747.87,"end":752.37,"sentiment":"neutral","sentiment_score":0.12319037589159879},{"text":"You've only got about 8% there at the moment.","start":753.07,"end":755.31,"sentiment":"neutral","sentiment_score":0.0915842197007603}],"sentiment":"neutral","sentiment_score":0.14653630345128477,"num_words":32,"start":740.57495,"end":755.31},{"sentences":[{"text":"Because we're removing the bank hybrid completely, we wanna still have defensive investments, and defensive investments are low risk cash producing.","start":755.31,"end":763.21497,"sentiment":"neutral","sentiment_score":0.15830520824307487},{"text":"And we need to make sure we have enough of those in your portfolio.","start":764.235,"end":767.675,"sentiment":"neutral","sentiment_score":0.1522739715874195},{"text":"So we're gonna increase your exposure in the core composite bonds to account for removing the bank hybrid and bring you up to about 14% there.","start":767.675,"end":775.52,"sentiment":"neutral","sentiment_score":0.16228099138690874},{"text":"Okay?","start":775.52,"end":776.02,"sentiment":"neutral","sentiment_score":0.09790809452533722},{"text":"The SMB 500, this is giving you exposure to the top 500 companies on The US, and it is still a good investment today.","start":777.60004,"end":785.445,"sentiment":"neutral","sentiment_score":0.31704920902848244}],"sentiment":"neutral","sentiment_score":0.20212371933252313,"num_words":86,"start":755.31,"end":785.445},{"sentences":[{"text":"Has seen a bit of fluctuation.","start":785.445,"end":786.74506,"sentiment":"neutral","sentiment_score":0.0947393315533797},{"text":"Overall, has seen really good gains after, you know, everything we went through with that.","start":787.205,"end":792.265,"sentiment":"neutral","sentiment_score":0.2683408737182617},{"text":"Between I think the downtime, the worst point for that investment was around about March and April, which is when Trump was absolutely in the news every day, and there was a lot more sort of said about it.","start":792.325,"end":802.79,"sentiment":"neutral","sentiment_score":-0.11750738819440205},{"text":"But it has kinda evened out quite significantly, and we're still seeing really good gains out of the S and P 500.","start":802.79,"end":808.87,"sentiment":"positive","sentiment_score":0.3391523181714795},{"text":"So we're gonna increase your exposure a bit to 30% for the portfolio.","start":808.87,"end":813.13,"sentiment":"neutral","sentiment_score":0.22902806217853838}],"sentiment":"neutral","sentiment_score":0.10999449224848497,"num_words":95,"start":785.445,"end":813.13},{"sentences":[{"text":"We've also got Van X Property.","start":815.065,"end":816.84503,"sentiment":"neutral","sentiment_score":0.1750501866141955},{"text":"This is giving you exposure to property in Australia.","start":816.905,"end":819.565,"sentiment":"neutral","sentiment_score":0.1856003026995394},{"text":"It has been really good, but property is having a bit of a fallback.","start":819.705,"end":822.685,"sentiment":"neutral","sentiment_score":-0.1997317104999508},{"text":"So we are just gonna remove that.","start":822.745,"end":824.265,"sentiment":"neutral","sentiment_score":-0.15626178788287298},{"text":"It's more of a somatic sort of themed investment.","start":824.265,"end":826.685,"sentiment":"neutral","sentiment_score":-0.03769894399576717}],"sentiment":"neutral","sentiment_score":-0.033525846981339986,"num_words":45,"start":815.065,"end":826.685},{"sentences":[{"text":"It is there more for growth.","start":827.67,"end":829.21,"sentiment":"neutral","sentiment_score":0.09344160680969556},{"text":"We also wanna look at reducing your risk level in your portfolio because you are closer to retirement as well.","start":829.27,"end":835.11,"sentiment":"neutral","sentiment_score":0.1281730156391859},{"text":"So the that reducing the cost, keeping the gains working and compounding, but also sort of reducing the risk level as much as possible as you get closer to retirement as well.","start":835.11,"end":845.555,"sentiment":"neutral","sentiment_score":0.1694464348256588},{"text":"So I am gonna remove that completely from the portfolio and sell that down.","start":845.555,"end":850.055,"sentiment":"neutral","sentiment_score":-0.026051008541669165},{"text":"And we've got the beta shares roughly 200.","start":850.515,"end":853.79504,"sentiment":"neutral","sentiment_score":0.025250370614230633}],"sentiment":"neutral","sentiment_score":0.10479605891741813,"num_words":80,"start":827.67,"end":853.79504},{"sentences":[{"text":"That's giving you exposure to 200 companies on the ASX.","start":853.79504,"end":856.91,"sentiment":"neutral","sentiment_score":0.02555104307830334},{"text":"We're looking at both mid, large cap, and small cap companies.","start":856.97,"end":860.58997,"sentiment":"neutral","sentiment_score":0.004696354862641205},{"text":"Sorry.","start":860.97,"end":861.47,"sentiment":"neutral","sentiment_score":-0.028796687722206116},{"text":"Because they're getting rid of the Venelong Equities, I'm also removing the BetaShares RAPI 200, and we're gonna move that exposure into something else for you.","start":862.17,"end":871.945,"sentiment":"neutral","sentiment_score":-0.03391241611769566},{"text":"It's still gonna be Australian equity, so we'll keep that exposure level.","start":871.945,"end":875.245,"sentiment":"neutral","sentiment_score":0.04454586856688062}],"sentiment":"neutral","sentiment_score":-0.0011466458284606536,"num_words":60,"start":853.79504,"end":875.245},{"sentences":[{"text":"With the purchases, to replace a lot of what we're removing, we're gonna give you exposure to Europe.","start":877.385,"end":883.065,"sentiment":"neutral","sentiment_score":0.07171004679467943},{"text":"This is giving you exposure to all 16 European countries, all established markets, and it is a really good place to see a lot of growth at the moment, and moving forward, we'll continue.","start":883.065,"end":893.6,"sentiment":"neutral","sentiment_score":0.21949247993967114},{"text":"It's also giving you more diversification because it's spreading your risk level across more countries.","start":893.6,"end":898.42,"sentiment":"neutral","sentiment_score":0.1488969326019287},{"text":"Japan has looked after its economy really, really well at the moment, so it is a really good place to see growth, especially with a lot of the hardship.","start":899.955,"end":906.935,"sentiment":"neutral","sentiment_score":0.1428144891457311},{"text":"Like, China was meant to come out of COVID and be kind of the building block for most investments in companies.","start":906.995,"end":913.255,"sentiment":"neutral","sentiment_score":-0.00702923225859801}],"sentiment":"neutral","sentiment_score":0.1280426107442532,"num_words":117,"start":877.385,"end":913.255},{"sentences":[{"text":"However, it hasn't kind of worked out that way.","start":913.395,"end":915.98,"sentiment":"neutral","sentiment_score":-0.12786349447237122},{"text":"There's still a lot of hostility with China, but Japan has been where a lot of companies are kind of moving their manufacturing into.","start":915.98,"end":923.75995,"sentiment":"neutral","sentiment_score":-0.04241938112924496},{"text":"And Japan also looked after their country very, very well with stockpiling fuel and things like that for what we've just gone through.","start":924.22,"end":930.655,"sentiment":"neutral","sentiment_score":0.08581475298041882},{"text":"So we are wanting to put some more money into the Japanese economy and just having about 5% of your portfolio there for you.","start":930.655,"end":938.255,"sentiment":"positive","sentiment_score":0.3932482625047366},{"text":"Okay?","start":938.255,"end":938.755,"sentiment":"neutral","sentiment_score":0.2511526346206665}],"sentiment":"neutral","sentiment_score":0.11721004513494762,"num_words":81,"start":913.395,"end":938.755},{"sentences":[{"text":"Yeah.","start":940.735,"end":941.235,"sentiment":"neutral","sentiment_score":0.17300358414649963},{"text":"With Vanguard All World ex US investment there, that's essentially giving you exposure to the entire globe.","start":941.295,"end":948.62,"sentiment":"neutral","sentiment_score":0.10609311259844724},{"text":"They're giving you more diversification, which overall helps to reduce the risk of your portfolio.","start":948.62,"end":952.95996,"sentiment":"positive","sentiment_score":0.3502476672331492},{"text":"It is ex US, so not including The US, and that's because you've got the S and P 500 exposure above this.","start":953.89996,"end":960.195,"sentiment":"neutral","sentiment_score":0.03476564387198199},{"text":"Don't wanna have too much exposure into The US.","start":960.195,"end":962.775,"sentiment":"neutral","sentiment_score":-0.03664566804137495}],"sentiment":"neutral","sentiment_score":0.11977085405669641,"num_words":64,"start":940.735,"end":962.775},{"sentences":[{"text":"But that's a really good low risk investment.","start":963.155,"end":965.655,"sentiment":"positive","sentiment_score":0.5858659632503986},{"text":"It's a really good diversified investment as well, and it's low costing because it's Vanguard.","start":966.115,"end":970.915,"sentiment":"positive","sentiment_score":0.7139251073201497},{"text":"It tracks essentially the all world index, so it's fantastic.","start":970.915,"end":974.215,"sentiment":"positive","sentiment_score":0.7102839291095734},{"text":"And then because we are removing the Australian exposure out of the banner long and the beta shares, Rafi, we're gonna put you into the a 200.","start":976.13995,"end":985.66,"sentiment":"neutral","sentiment_score":0.1657643014634097},{"text":"This is giving you exposure to the top 200 companies on the ASX.","start":985.66,"end":989.6,"sentiment":"neutral","sentiment_score":0.22810174524784088}],"sentiment":"positive","sentiment_score":0.4101315402004817,"num_words":73,"start":963.155,"end":989.6},{"sentences":[{"text":"So it's actually by removing the banner long, it's actually giving you more diversification.","start":990.215,"end":994.155,"sentiment":"neutral","sentiment_score":0.26322254857846666},{"text":"It's still giving you a great exposure into the market.","start":995.015,"end":998.135,"sentiment":"positive","sentiment_score":0.49581933617591856},{"text":"We're gonna hold about 20% of your portfolio, and it's actually lower cost as well.","start":998.135,"end":1002.455,"sentiment":"positive","sentiment_score":0.37059056957562764},{"text":"So it's healthy to save fees, investment fees in your portfolio, which is really important.","start":1002.455,"end":1007.72003,"sentiment":"neutral","sentiment_score":0.2694530079762141},{"text":"But that's essentially the changes that I wanna make to your portfolio for you.","start":1007.86005,"end":1012.04004,"sentiment":"neutral","sentiment_score":0.239188874406474}],"sentiment":"neutral","sentiment_score":0.31753833745332327,"num_words":68,"start":990.215,"end":1012.04004},{"sentences":[{"text":"That's okay.","start":1014.34,"end":1015.24005,"sentiment":"neutral","sentiment_score":0.21751146763563156},{"text":"Yeah.","start":1018.61505,"end":1019.11505,"sentiment":"neutral","sentiment_score":0.046937376260757446},{"text":"Essentially, with your cash account, we only ever wanna hold 1.5% cash within the cash account in the super fund.","start":1020.695,"end":1027.8151,"sentiment":"neutral","sentiment_score":0.05759083647280931},{"text":"You do have about 1.6 at the moment, so we're gonna take some of that cash and reinvest it.","start":1027.8151,"end":1033.39,"sentiment":"neutral","sentiment_score":0.07996361996782453},{"text":"Our money was part of being invested rather than sitting in cash.","start":1033.39,"end":1036.99,"sentiment":"neutral","sentiment_score":0.09303943067789078}],"sentiment":"neutral","sentiment_score":0.07906590719465856,"num_words":54,"start":1014.34,"end":1036.99},{"sentences":[{"text":"So we'll just make sure that that cash account is reduced to the minimum it needs to be.","start":1036.99,"end":1041.17,"sentiment":"neutral","sentiment_score":0.10956377122137281},{"text":"If you scroll down for me sorry.","start":1042.83,"end":1045.41,"sentiment":"neutral","sentiment_score":-0.002192742191255093},{"text":"Just to page number I'm just going through really To page number 23.","start":1045.47,"end":1051.5249,"sentiment":"neutral","sentiment_score":0.00007648038892791822},{"text":"Yeah.","start":1051.9049,"end":1052.3049,"sentiment":"neutral","sentiment_score":0.009173121303319933},{"text":"Page number 23.","start":1052.3049,"end":1053.6649,"sentiment":"neutral","sentiment_score":0.015973742430408795}],"sentiment":"neutral","sentiment_score":0.047973506673727004,"num_words":42,"start":1036.99,"end":1053.6649},{"sentences":[{"text":"Yep.","start":1053.6649,"end":1054.1649,"sentiment":"neutral","sentiment_score":0.0425245575606823},{"text":"This got the fee comparison table for you.","start":1055.2649,"end":1058.085,"sentiment":"neutral","sentiment_score":0.10707986541092396},{"text":"Beautiful.","start":1060.065,"end":1060.565,"sentiment":"neutral","sentiment_score":0.05695359036326408},{"text":"Now the other part of the recommendation, essentially, is that you are currently salary sacrificing.","start":1061.55,"end":1066.93,"sentiment":"neutral","sentiment_score":-0.08876212164759636},{"text":"It's about a $164 on a a weekly basis in the super.","start":1067.15,"end":1072.3701,"sentiment":"neutral","sentiment_score":-0.05787102412432432}],"sentiment":"neutral","sentiment_score":-0.028912622783635114,"num_words":37,"start":1053.6649,"end":1072.3701},{"sentences":[{"text":"I did sort of have a look at the projected outcome, and I'm recommending that you just increase that salary sacrifice a little bit more.","start":1073.0701,"end":1079.155,"sentiment":"neutral","sentiment_score":0.1462784641981125},{"text":"So adding it to $36 per week will bring your salary sacrifice up to about $200 per week.","start":1079.155,"end":1085.395,"sentiment":"neutral","sentiment_score":0.25605204535855186},{"text":"So if you guys can afford that, just increasing your salary sacrifice each week will also provide benefit.","start":1085.395,"end":1091.75,"sentiment":"positive","sentiment_score":0.5435082506802347},{"text":"It means that more money will be going into your space.","start":1092.0499,"end":1094.45,"sentiment":"positive","sentiment_score":0.7053695917129517},{"text":"So being invested in the portfolio to help grow that over the next couple of years for you as well.","start":1094.45,"end":1099.75,"sentiment":"positive","sentiment_score":0.6430673360824585}],"sentiment":"positive","sentiment_score":0.42032020830589795,"num_words":92,"start":1073.0701,"end":1099.75},{"sentences":[{"text":"Okay?","start":1099.8899,"end":1100.3899,"sentiment":"neutral","sentiment_score":0.27681484818458557},{"text":"Yep.","start":1108.255,"end":1108.755,"sentiment":"neutral","sentiment_score":0.22497478127479553},{"text":"Yep.","start":1110.975,"end":1111.475,"sentiment":"neutral","sentiment_score":0.19432306289672852},{"text":"Yep.","start":1121.4,"end":1121.9,"sentiment":"neutral","sentiment_score":0.10667860507965088},{"text":"Yeah.","start":1128.615,"end":1128.935,"sentiment":"neutral","sentiment_score":0.0733397975564003}],"sentiment":"neutral","sentiment_score":0.17522621899843216,"num_words":5,"start":1099.8899,"end":1128.935},{"sentences":[{"text":"So that's where the employer takes that money out of your income pretax, and they just put deposit that straight into your super fund the same as your employer contribution.","start":1128.935,"end":1138.795,"sentiment":"neutral","sentiment_score":0.09159794623653093},{"text":"So, yeah, we just want you, yeah, just recommending that you make that an even 200 every fortnight so every week.","start":1139.735,"end":1145.9199,"sentiment":"neutral","sentiment_score":0.3058605208283379},{"text":"This all continues to go in and is paid into your sleep.","start":1145.9199,"end":1149.36,"sentiment":"neutral","sentiment_score":0.2939366549253464},{"text":"But now that employers are supposed to be paying our contributions as payday, it means that we're gonna get proper dollar cost averaging.","start":1149.36,"end":1157.375,"sentiment":"neutral","sentiment_score":0.2439133162083833},{"text":"So with your contributions going in every week or fortnight with your income being paid to you, it means that you're really gonna take advantage of the market.","start":1157.375,"end":1165.215,"sentiment":"positive","sentiment_score":0.48464801056044443}],"sentiment":"neutral","sentiment_score":0.2796350855445653,"num_words":114,"start":1128.935,"end":1165.215},{"sentences":[{"text":"And instead of having lump sum once every couple of months, we'll have regular contributions, which is gonna provide greater benefit long term.","start":1165.215,"end":1172.47,"sentiment":"neutral","sentiment_score":0.3006036624960277},{"text":"So yeah.","start":1172.47,"end":1173.5299,"sentiment":"positive","sentiment_score":0.34571000933647156},{"text":"Yeah.","start":1174.71,"end":1175.21,"sentiment":"neutral","sentiment_score":0.1301197111606598},{"text":"Yep.","start":1183.285,"end":1183.785,"sentiment":"neutral","sentiment_score":0.17362314462661743},{"text":"Yep.","start":1185.525,"end":1186.025,"sentiment":"neutral","sentiment_score":0.0465211421251297}],"sentiment":"neutral","sentiment_score":0.2841274376426424,"num_words":28,"start":1165.215,"end":1186.025},{"sentences":[{"text":"Yep.","start":1193.45,"end":1193.95,"sentiment":"neutral","sentiment_score":0.02223999612033367},{"text":"Yeah.","start":1207.29,"end":1207.77,"sentiment":"neutral","sentiment_score":0.03708657622337341},{"text":"It's yeah.","start":1207.77,"end":1211.175,"sentiment":"neutral","sentiment_score":0.051256975159049034},{"text":"Just increase it.","start":1211.175,"end":1211.975,"sentiment":"neutral","sentiment_score":0.09574004014333089},{"text":"So it levels out of the set 200 every week for you just to make it a bit easier.","start":1211.975,"end":1216.555,"sentiment":"neutral","sentiment_score":0.17968154698610306}],"sentiment":"neutral","sentiment_score":0.1485773090702983,"num_words":26,"start":1193.45,"end":1216.555},{"sentences":[{"text":"And then if you are getting additional overtime, what you could always do is put that aside into an account in, like, your bank account or something.","start":1217.255,"end":1225.0299,"sentiment":"neutral","sentiment_score":0.0997963079975711},{"text":"If you wanted to make extra contributions when you get more money, absolutely.","start":1225.0299,"end":1228.4099,"sentiment":"neutral","sentiment_score":0.094544146496516},{"text":"But you could also hold that aside.","start":1229.11,"end":1230.7899,"sentiment":"neutral","sentiment_score":0.10158756481749671},{"text":"And at the end of the financial year, we can always have a look at what you've got available to you, what your contributions look like, and we could also look at making tax up contributions and deductible contributions that might also give you a tax deduction at the end of the year as well.","start":1230.7899,"end":1244.385,"sentiment":"neutral","sentiment_score":0.15909831564534793},{"text":"So I just yeah.","start":1244.385,"end":1246.545,"sentiment":"neutral","sentiment_score":0.15260043554008007}],"sentiment":"neutral","sentiment_score":0.13203298374307607,"num_words":106,"start":1217.255,"end":1246.545},{"sentences":[{"text":"I just think if we have a level a level of salary sacrifice on top of your normal employer contributions, that just kinda gives you regular increments of money being invested, which is dollar cost averaging and provides that greater benefit.","start":1246.545,"end":1259.77,"sentiment":"neutral","sentiment_score":0.21078301330165164},{"text":"And then anything additional, if you hold that aside, if you want, end of financial year so I could make it in May every year.","start":1260.71,"end":1267.305,"sentiment":"neutral","sentiment_score":0.11469617664813996},{"text":"I give you a call.","start":1267.305,"end":1268.265,"sentiment":"neutral","sentiment_score":0.1228410392999649},{"text":"We talk about what you have available, the contributions that have gone in, and we can look at whether we make additional contributions and make it more of a tax deduction for you so you get a little bit more of a deduction at the end of the financial year.","start":1268.265,"end":1281.6499,"sentiment":"neutral","sentiment_score":0.14110308706760408},{"text":"Yeah.","start":1283.71,"end":1284.21,"sentiment":"positive","sentiment_score":0.41328883171081543}],"sentiment":"neutral","sentiment_score":0.1605914454357546,"num_words":122,"start":1246.545,"end":1284.21},{"sentences":[{"text":"Let's have a look.","start":1302.3151,"end":1303.4551,"sentiment":"neutral","sentiment_score":0.0346870650537312},{"text":"That's okay.","start":1305.755,"end":1306.555,"sentiment":"neutral","sentiment_score":0.06771894544363022},{"text":"Let me have a look there for you.","start":1306.555,"end":1308.495,"sentiment":"neutral","sentiment_score":0.12101133912801743},{"text":"Okay.","start":1309.3401,"end":1309.8201,"sentiment":"neutral","sentiment_score":0.23172426223754883},{"text":"Perfect.","start":1309.8201,"end":1310.22,"sentiment":"positive","sentiment_score":0.46159225702285767}],"sentiment":"neutral","sentiment_score":0.1209745864616707,"num_words":16,"start":1302.3151,"end":1310.22},{"sentences":[{"text":"So you received a call from Michelle that was on the ninth of the sixth.","start":1310.22,"end":1315.4401,"sentiment":"neutral","sentiment_score":0.10717166004081567},{"text":"Yeah.","start":1317.02,"end":1317.3401,"sentiment":"neutral","sentiment_score":0.11486954987049104},{"text":"So she noted that you'd you'd that you'd made some personal contributions.","start":1317.3401,"end":1321.04,"sentiment":"neutral","sentiment_score":0.149180984745423},{"text":"She was reaching out to find out whether you wanted to claim this as a tax deduction.","start":1321.42,"end":1325.235,"sentiment":"neutral","sentiment_score":0.2386825961225173},{"text":"So let me just have a look at your actual super and go back here for you.","start":1325.235,"end":1328.855,"sentiment":"neutral","sentiment_score":0.1805705024915583}],"sentiment":"neutral","sentiment_score":0.171611595868824,"num_words":62,"start":1310.22,"end":1328.855},{"sentences":[{"text":"And yeah.","start":1334.595,"end":1336.295,"sentiment":"neutral","sentiment_score":-0.014325784519314766},{"text":"Yep.","start":1337.475,"end":1337.975,"sentiment":"neutral","sentiment_score":0.12776562571525574},{"text":"Yeah.","start":1346.18,"end":1346.58,"sentiment":"positive","sentiment_score":0.35665759444236755},{"text":"It definitely does.","start":1346.58,"end":1347.86,"sentiment":"positive","sentiment_score":0.5007235010464987},{"text":"So it looks like you made some additional non concessional contributions last financial year of and we still have non concessional contributions of $3,787.01 that was made to the fund.","start":1347.86,"end":1365.365,"sentiment":"neutral","sentiment_score":0.20796340530117352}],"sentiment":"neutral","sentiment_score":0.2215363327917215,"num_words":37,"start":1334.595,"end":1365.365},{"sentences":[{"text":"You can claim a notice of intent against those funds, and that essentially means that they become what's called a deductible contribution.","start":1365.985,"end":1375.37,"sentiment":"neutral","sentiment_score":0.1518996378237551},{"text":"So that 3,000 what have we got?","start":1375.59,"end":1378.41,"sentiment":"neutral","sentiment_score":0.2398780414036342},{"text":"$3,787, you can claim as a tax deduction at the end of the financial year, and you claim that on your tax return.","start":1378.71,"end":1386.715,"sentiment":"neutral","sentiment_score":0.2357616327379061},{"text":"But in order to have that happen, we just have to claim a notice of intent.","start":1386.855,"end":1390.715,"sentiment":"neutral","sentiment_score":0.07775842398405075},{"text":"The only issue I have with doing that full amount is that your contributions for the last financial year actually totaled 29,707 and 63¢.","start":1391.095,"end":1403.9199,"sentiment":"neutral","sentiment_score":-0.1368973749163358}],"sentiment":"neutral","sentiment_score":0.09383462676471406,"num_words":92,"start":1365.985,"end":1403.9199},{"sentences":[{"text":"So you were actually very close to the cap at the end of the year.","start":1404.14,"end":1408.0,"sentiment":"neutral","sentiment_score":-0.028149099896351497},{"text":"So what I would probably like to do really quickly is if after the call, are you able, at some point, say, able to get into your myGov account at all and get your yep.","start":1408.7,"end":1418.635,"sentiment":"neutral","sentiment_score":0.12000588583094733},{"text":"Because of your balance and your age, we can look to utilize carry forward contributions, so unused employer and sell back from the last five financial years.","start":1419.095,"end":1429.2699,"sentiment":"neutral","sentiment_score":-0.010808959051414772},{"text":"But I just need to see what you have available to you over the past five years to determine how much we can actually claim under that tax deduction.","start":1429.57,"end":1437.83,"sentiment":"neutral","sentiment_score":0.08640930853013334},{"text":"So I'll send you an email after the call with directions on how to get that.","start":1438.375,"end":1442.455,"sentiment":"neutral","sentiment_score":0.12890464579686522}],"sentiment":"neutral","sentiment_score":0.06602026140469996,"num_words":122,"start":1404.14,"end":1442.455},{"sentences":[{"text":"Can you grab the email to me?","start":1442.455,"end":1444.5549,"sentiment":"neutral","sentiment_score":0.11424892395734787},{"text":"I can have a look at your availability and look at whether we can claim that full amount for you.","start":1444.775,"end":1449.255,"sentiment":"neutral","sentiment_score":0.24375805258750916},{"text":"Is that okay?","start":1449.255,"end":1450.075,"sentiment":"neutral","sentiment_score":0.3011676073074341},{"text":"Yep.","start":1452.41,"end":1452.81,"sentiment":"neutral","sentiment_score":0.33136001229286194},{"text":"That's okay.","start":1452.81,"end":1453.53,"sentiment":"positive","sentiment_score":0.43951067328453064}],"sentiment":"neutral","sentiment_score":0.23602386970411648,"num_words":33,"start":1442.455,"end":1453.53},{"sentences":[{"text":"Easy done.","start":1453.53,"end":1454.43,"sentiment":"positive","sentiment_score":0.5600110590457916},{"text":"And, look, honestly, we can do we do that every year.","start":1454.49,"end":1457.05,"sentiment":"neutral","sentiment_score":0.20754438232291827},{"text":"We can have a look at what you've got available to you and make that deductible contribution at the end of the finance to a year if you'd like to and look at what available cap space you have.","start":1457.05,"end":1466.9651,"sentiment":"neutral","sentiment_score":0.12022131805618604},{"text":"You're able to use carry form contributions until your balance reaches 500,000.","start":1466.9651,"end":1472.265,"sentiment":"neutral","sentiment_score":0.07280460589875777},{"text":"Once your balance reaches 500,000, as at June 30, any financial year, the following year, you lose tax to carry forward.","start":1472.645,"end":1481.14,"sentiment":"neutral","sentiment_score":0.10060463650595575}],"sentiment":"neutral","sentiment_score":0.1303293454734718,"num_words":85,"start":1453.53,"end":1481.14},{"sentences":[{"text":"So it's good to try and use that now, and it'll also provide a little bit of a boost to you.","start":1481.14,"end":1486.18,"sentiment":"positive","sentiment_score":0.35471357547101523},{"text":"And then look, a tax deduction's not a bad thing.","start":1486.18,"end":1488.42,"sentiment":"neutral","sentiment_score":0.047973045334219935},{"text":"We all pay way too much tax.","start":1488.42,"end":1490.2001,"sentiment":"neutral","sentiment_score":-0.11750902022634234},{"text":"Yeah.","start":1492.965,"end":1493.465,"sentiment":"neutral","sentiment_score":0.06794188916683197},{"text":"That's it.","start":1494.885,"end":1495.625,"sentiment":"neutral","sentiment_score":0.13665802031755447}],"sentiment":"neutral","sentiment_score":0.18164415430368447,"num_words":41,"start":1481.14,"end":1495.625},{"sentences":[{"text":"So yeah.","start":1496.245,"end":1496.805,"sentiment":"neutral","sentiment_score":0.07121966779232025},{"text":"Look.","start":1496.805,"end":1497.045,"sentiment":"neutral","sentiment_score":0.06176634132862091},{"text":"Honestly, that that's what I'm what I'm recommending.","start":1497.045,"end":1499.365,"sentiment":"neutral","sentiment_score":0.10211629327386618},{"text":"We switch the investments out a little bit, do a bit of an update of your portfolio there.","start":1499.365,"end":1504.05,"sentiment":"neutral","sentiment_score":0.07222403234077825},{"text":"With that page, you'll see at the bottom, you are a growth investor.","start":1504.29,"end":1507.27,"sentiment":"neutral","sentiment_score":0.07939383846062881}],"sentiment":"neutral","sentiment_score":0.07984020250538985,"num_words":42,"start":1496.245,"end":1507.27},{"sentences":[{"text":"As I kind of explained last time, was a growth investor has that eighty twenty split between growth investments to defensive investments there.","start":1507.3301,"end":1515.1101,"sentiment":"neutral","sentiment_score":0.05794966010295827},{"text":"And in your current tab there, you'll see the older investments, whilst your portfolio was a little bit lower than that this year, has averaged about 9.54% on a yearly basis over the past five years, which isn't bad at all.","start":1515.25,"end":1529.655,"sentiment":"neutral","sentiment_score":0.0536396229957662},{"text":"But the newer portfolio, when we look at how that has performed, it had a greater past performance.","start":1529.795,"end":1535.1,"sentiment":"neutral","sentiment_score":0.10969330391122235},{"text":"So if that can do the same thing over the next five to ten years, it actually puts you in a much greater position.","start":1535.1,"end":1541.28,"sentiment":"neutral","sentiment_score":0.33166425364712876},{"text":"So in nine years, we could actually see you with a bit over $700,000 in super.","start":1541.34,"end":1546.16,"sentiment":"neutral","sentiment_score":0.3252286780625582}],"sentiment":"neutral","sentiment_score":0.153033992886299,"num_words":122,"start":1507.3301,"end":1546.16},{"sentences":[{"text":"Yeah.","start":1548.235,"end":1548.735,"sentiment":"neutral","sentiment_score":0.3064018785953522},{"text":"Yeah.","start":1549.595,"end":1550.095,"sentiment":"neutral","sentiment_score":0.28684353828430176},{"text":"As a bit of a disadvantage, I do have to let you know, I do consider the tax effect on your super.","start":1551.1951,"end":1556.0751,"sentiment":"neutral","sentiment_score":-0.11534712717614391},{"text":"So just like you do a tax return every year, so does your super fund.","start":1556.0751,"end":1559.91,"sentiment":"neutral","sentiment_score":0.06199263085921605},{"text":"The CGT is something super does account for.","start":1560.39,"end":1563.93,"sentiment":"neutral","sentiment_score":0.13248648401349783}],"sentiment":"neutral","sentiment_score":0.0009657437021427961,"num_words":47,"start":1548.235,"end":1563.93},{"sentences":[{"text":"To make the switch on the investment, it's essentially worked out that the CGT is expected to be $1,886.","start":1564.23,"end":1572.25,"sentiment":"neutral","sentiment_score":0.11401297622605373},{"text":"It just means that your super fund accounts that after we complete the switch, and they take care of that for you.","start":1572.855,"end":1577.975,"sentiment":"neutral","sentiment_score":0.18764703957871956},{"text":"But I just have to let you know that that is an expectation.","start":1577.975,"end":1580.555,"sentiment":"neutral","sentiment_score":0.11568618909670757},{"text":"Okay?","start":1581.015,"end":1581.515,"sentiment":"neutral","sentiment_score":0.11186838150024414},{"text":"Easy.","start":1583.895,"end":1584.395,"sentiment":"positive","sentiment_score":0.4788207411766052}],"sentiment":"neutral","sentiment_score":0.1498051964278732,"num_words":56,"start":1564.23,"end":1584.395},{"sentences":[{"text":"But the positive to it is, as I mentioned, the new investors are cheaper.","start":1584.615,"end":1585.895,"sentiment":"positive","sentiment_score":0.5012960689408439},{"text":"So the cheaper.","start":1585.895,"end":1588.56,"sentiment":"positive","sentiment_score":0.44876429438591003},{"text":"So the investment fee is actually expected to save you $755 for the first year.","start":1588.7001,"end":1594.06,"sentiment":"positive","sentiment_score":0.4784191846847534},{"text":"So it's a cheaper portfolio and means more money stays invested in your super for you.","start":1594.06,"end":1599.28,"sentiment":"positive","sentiment_score":0.5097829662263393},{"text":"Yeah.","start":1601.275,"end":1601.775,"sentiment":"positive","sentiment_score":0.42460185289382935}],"sentiment":"positive","sentiment_score":0.492282753696247,"num_words":49,"start":1584.615,"end":1601.775},{"sentences":[{"text":"Oh, that's okay.","start":1603.3551,"end":1605.375,"sentiment":"neutral","sentiment_score":0.1892376740773519},{"text":"Essentially, I kinda mentioned I did do a bit of a retirement projection for you, and that's sitting on page number 25.","start":1605.5951,"end":1611.995,"sentiment":"neutral","sentiment_score":0.13201407715678215},{"text":"So it's looking at if you were able to, you know, get your super up as high.","start":1611.995,"end":1616.5,"sentiment":"neutral","sentiment_score":0.19104171588140376},{"text":"I use a much more conservative rate return.","start":1616.5,"end":1619.14,"sentiment":"neutral","sentiment_score":0.14434435404837132},{"text":"So when I'm doing the projection table above with the fees, we utilize the 11.7 and project that forward.","start":1619.14,"end":1627.0,"sentiment":"neutral","sentiment_score":0.10430162674502323}],"sentiment":"neutral","sentiment_score":0.14284373377112375,"num_words":69,"start":1603.3551,"end":1627.0},{"sentences":[{"text":"However, in retirement, I use a much more conservative rate projection.","start":1627.285,"end":1630.905,"sentiment":"neutral","sentiment_score":0.09708306938409805},{"text":"So it essentially shows we should be able to see your balance at least at 560,000 and in between that sort of $760,000 mark as well.","start":1630.965,"end":1641.445,"sentiment":"neutral","sentiment_score":0.1452687566096966},{"text":"So it's kind of about determining what the expectation is around market performance, but understanding volatility is a factor as well.","start":1641.445,"end":1650.0599,"sentiment":"neutral","sentiment_score":0.1776550199304308},{"text":"So I kind of do that range.","start":1650.12,"end":1651.7999,"sentiment":"neutral","sentiment_score":0.15755850821733475},{"text":"And when I'm projecting into retirement, I do do a much more conservative projection for you.","start":1651.7999,"end":1656.9199,"sentiment":"neutral","sentiment_score":0.20782983303070068}],"sentiment":"neutral","sentiment_score":0.16054128073615792,"num_words":81,"start":1627.285,"end":1656.9199},{"sentences":[{"text":"So we can sort of see what the expectation is and build on that.","start":1656.9199,"end":1660.485,"sentiment":"neutral","sentiment_score":0.2925463020801544},{"text":"It means that anything that we would achieve over that expectation is only a benefit to you and puts you in a much greater position long term as well.","start":1660.485,"end":1668.1849,"sentiment":"positive","sentiment_score":0.4208774268627167},{"text":"Okay?","start":1668.245,"end":1668.745,"sentiment":"neutral","sentiment_score":0.14306482672691345},{"text":"Yes.","start":1670.165,"end":1670.665,"sentiment":"neutral","sentiment_score":0.08285693824291229},{"text":"It's a roller coaster of emotion, isn't it?","start":1677.54,"end":1679.88,"sentiment":"neutral","sentiment_score":0.023487150203436613}],"sentiment":"neutral","sentiment_score":0.31537570895732575,"num_words":53,"start":1656.9199,"end":1679.88},{"sentences":[{"text":"Look.","start":1682.9,"end":1683.38,"sentiment":"positive","sentiment_score":0.37783282995224},{"text":"I honestly really enjoy it, and I think the one thing I like to point out to people is that we all you know, we see things that are red and negative figures, and we're taught to look at that as a a negative thing.","start":1683.38,"end":1695.0951,"sentiment":"neutral","sentiment_score":0.04170852154493332},{"text":"It makes us doesn't make us feel good in any way, shape, or form.","start":1695.0951,"end":1697.88,"sentiment":"neutral","sentiment_score":-0.1851456676210676},{"text":"But the idea of having me here as your adviser is that I'm here to talk you through those downtime to keep you invested because the last thing we should be doing is selling out of those downtime.","start":1697.88,"end":1707.66,"sentiment":"neutral","sentiment_score":0.04893147406217299},{"text":"And, I mean, I actually kinda get excited when there's a downtime.","start":1709.3201,"end":1712.52,"sentiment":"positive","sentiment_score":0.3345434715350469}],"sentiment":"neutral","sentiment_score":0.050332678414203906,"num_words":110,"start":1682.9,"end":1712.52},{"sentences":[{"text":"So long as you're not retiring this year or next year or the year after, it's about taking advantage of that.","start":1712.52,"end":1718.435,"sentiment":"neutral","sentiment_score":0.14401133642310188},{"text":"So when the markets do take a bit of a dip truck, you know, put something out there and, you know, the market's taking a bit of a hit, that's a buying opportunity.","start":1718.435,"end":1726.055,"sentiment":"neutral","sentiment_score":0.1685798317193985},{"text":"So it's good to get some money into the market by those discount investments.","start":1726.1951,"end":1729.9099,"sentiment":"positive","sentiment_score":0.42545450585229055},{"text":"And when that market takes effect and people see that going up, most people are gonna get into it.","start":1730.13,"end":1736.47,"sentiment":"neutral","sentiment_score":0.23774675397496475},{"text":"The biggest thing with market ups and downs is it's all about emotional buying and selling.","start":1736.85,"end":1741.6499,"sentiment":"neutral","sentiment_score":-0.024500144412741065}],"sentiment":"neutral","sentiment_score":0.18125166610172652,"num_words":103,"start":1712.52,"end":1741.6499},{"sentences":[{"text":"So when people say investment is going down, they go, oh, no.","start":1741.6499,"end":1744.655,"sentiment":"neutral","sentiment_score":-0.10783201269805431},{"text":"I have to get out.","start":1744.655,"end":1745.935,"sentiment":"neutral","sentiment_score":-0.17388584613800048},{"text":"And that's real that creates a bit of a sell off, and that's where those larger dips come out of.","start":1745.935,"end":1751.555,"sentiment":"neutral","sentiment_score":-0.15765106827020645},{"text":"What I like to do is, yeah, we go, cool.","start":1752.095,"end":1754.335,"sentiment":"neutral","sentiment_score":0.11850128322839737},{"text":"That's a dip.","start":1754.335,"end":1755.135,"sentiment":"neutral","sentiment_score":0.13671253124872842}],"sentiment":"neutral","sentiment_score":-0.07442568644881248,"num_words":50,"start":1741.6499,"end":1755.135},{"sentences":[{"text":"That's down.","start":1755.135,"end":1755.6951,"sentiment":"neutral","sentiment_score":0.05260886251926422},{"text":"That's okay.","start":1755.6951,"end":1756.255,"sentiment":"neutral","sentiment_score":0.15736202150583267},{"text":"You're not retiring.","start":1756.255,"end":1757.135,"sentiment":"neutral","sentiment_score":0.10390450805425644},{"text":"Let's buy into that now, and let's wait for it to come out, and then you kinda see the the advantage of that.","start":1757.135,"end":1763.9,"sentiment":"neutral","sentiment_score":0.13466893849165543},{"text":"The risk is you buy in and it keeps falling, but that's okay.","start":1763.9,"end":1767.9,"sentiment":"neutral","sentiment_score":0.020851228672724504}],"sentiment":"neutral","sentiment_score":0.09535132209921993,"num_words":43,"start":1755.135,"end":1767.9},{"sentences":[{"text":"You just kinda gotta wait.","start":1767.9,"end":1769.02,"sentiment":"neutral","sentiment_score":0.1504578024148941},{"text":"You wait through it, and that's why contributions and salary sacrifice on a weekly basis is really good for you because you're you're putting that money in on a regular basis.","start":1769.02,"end":1777.235,"sentiment":"neutral","sentiment_score":0.3129126249301818},{"text":"It's buying into the market no matter what the market's doing.","start":1777.235,"end":1780.035,"sentiment":"neutral","sentiment_score":0.11984718387777155},{"text":"We're not trying to time the market, but we are staying invested throughout the market and taking advantage of whatever the market is doing and buying in at the all the ups and the downtime consistently.","start":1780.035,"end":1791.23,"sentiment":"neutral","sentiment_score":0.1938939185606109},{"text":"And that's where the events have come out at the end of the day.","start":1791.45,"end":1794.4299,"sentiment":"neutral","sentiment_score":0.09547107107937336}],"sentiment":"neutral","sentiment_score":0.2070894378439053,"num_words":97,"start":1767.9,"end":1794.4299},{"sentences":[{"text":"So yeah.","start":1794.49,"end":1795.5499,"sentiment":"neutral","sentiment_score":0.2028273120522499},{"text":"Yeah.","start":1796.25,"end":1796.75,"sentiment":"positive","sentiment_score":0.40271905064582825},{"text":"Easy.","start":1798.57,"end":1799.07,"sentiment":"positive","sentiment_score":0.6496409177780151},{"text":"All good.","start":1799.2899,"end":1799.85,"sentiment":"positive","sentiment_score":0.593881756067276},{"text":"So feel free to have a good reach of the documents there.","start":1799.85,"end":1802.57,"sentiment":"neutral","sentiment_score":0.24999941761295}],"sentiment":"neutral","sentiment_score":0.3136539508899053,"num_words":18,"start":1794.49,"end":1802.57},{"sentences":[{"text":"I'll just let you know, obviously, you do pay an ongoing service fee for our services.","start":1802.57,"end":1806.645,"sentiment":"neutral","sentiment_score":0.10929765738546848},{"text":"There's no implementation fees or upfront cost for this.","start":1807.1051,"end":1809.905,"sentiment":"neutral","sentiment_score":0.11716649267408583},{"text":"The last document is all part of you being a client and me looking after you and working in your best interest.","start":1809.905,"end":1815.4451,"sentiment":"neutral","sentiment_score":0.19115245477719742},{"text":"The ongoing service fee for yourself and because Deborah is a client as well is 1.10% per annum, and then we deduct that in smaller monthly income as that of your super.","start":1815.905,"end":1825.35,"sentiment":"neutral","sentiment_score":0.08658956363797188},{"text":"And the document does outline what the expectation is, and that's added into the projection side of things for you as well there.","start":1825.35,"end":1831.59,"sentiment":"neutral","sentiment_score":0.11115858055975127}],"sentiment":"neutral","sentiment_score":0.12094243477080382,"num_words":102,"start":1802.57,"end":1831.59},{"sentences":[{"text":"So if you wanted to have a bit of a range of the document, I've got advantages, disadvantages, risks, alternatives that I've considered, and I've also got a best interest duty related back to each of the recommendations Just so you can kinda see how we relate that back to your goal and why the recommendations and the advice is in your best interest.","start":1831.59,"end":1851.0099,"sentiment":"neutral","sentiment_score":0.10350500931963325},{"text":"Okay.","start":1851.3099,"end":1851.8099,"sentiment":"neutral","sentiment_score":0.1697225421667099},{"text":"Easy.","start":1854.0299,"end":1854.5299,"sentiment":"neutral","sentiment_score":0.027142740786075592},{"text":"Yep.","start":1856.35,"end":1856.85,"sentiment":"neutral","sentiment_score":0.01140303909778595},{"text":"Yep.","start":1860.995,"end":1861.3151,"sentiment":"neutral","sentiment_score":0.00923582911491394}],"sentiment":"neutral","sentiment_score":0.10061506981797078,"num_words":68,"start":1831.59,"end":1861.3151},{"sentences":[{"text":"Yep.","start":1861.3151,"end":1861.635,"sentiment":"neutral","sentiment_score":0.011055699549615383},{"text":"So the multiline is just if you don't have if there's any part of the recommendations you do not wish to take on board, if you the multiline should be optional.","start":1861.635,"end":1871.495,"sentiment":"neutral","sentiment_score":-0.015996994090176398},{"text":"If it's mandated and makes you put something in it, you can write NA if there's nothing that you wanna if you have your take on all the recommendations.","start":1871.555,"end":1879.55,"sentiment":"neutral","sentiment_score":-0.007439308293998755},{"text":"Or if there's something that you decide you're not wanting to take on board or don't wish us to implement, just write a little note in there.","start":1879.69,"end":1887.21,"sentiment":"neutral","sentiment_score":-0.024284394733883715},{"text":"Okay?","start":1887.21,"end":1887.71,"sentiment":"neutral","sentiment_score":0.02899421751499176}],"sentiment":"neutral","sentiment_score":-0.014913207843502084,"num_words":89,"start":1861.3151,"end":1887.71},{"sentences":[{"text":"Yep.","start":1889.9551,"end":1890.4551,"sentiment":"neutral","sentiment_score":0.032503049820661545},{"text":"Perfect.","start":1899.155,"end":1899.555,"sentiment":"positive","sentiment_score":0.7038447260856628},{"text":"Perfect.","start":1899.555,"end":1900.055,"sentiment":"positive","sentiment_score":0.6681424379348755},{"text":"And, yeah, and the other document attaches the ongoing service agreement for the next twelve months there as well if you're happy to remain a client for another year.","start":1900.5951,"end":1908.6499,"sentiment":"neutral","sentiment_score":0.14146659112182156},{"text":"Oh, yeah.","start":1914.965,"end":1915.445,"sentiment":"neutral","sentiment_score":0.017030540853738785}],"sentiment":"neutral","sentiment_score":0.16297301288475008,"num_words":34,"start":1889.9551,"end":1915.445},{"sentences":[{"text":"The date should automatically prompt for you.","start":1915.445,"end":1917.865,"sentiment":"neutral","sentiment_score":0.09991293187652316},{"text":"Yeah.","start":1918.085,"end":1918.585,"sentiment":"neutral","sentiment_score":0.1890350580215454},{"text":"Easy.","start":1918.965,"end":1919.465,"sentiment":"neutral","sentiment_score":0.21115799248218536},{"text":"And then next.","start":1919.605,"end":1921.1449,"sentiment":"neutral","sentiment_score":0.06279928982257843},{"text":"Yep.","start":1921.765,"end":1922.265,"sentiment":"neutral","sentiment_score":0.03966043144464493}],"sentiment":"neutral","sentiment_score":0.10212629804244408,"num_words":13,"start":1915.445,"end":1922.265},{"sentences":[{"text":"Yep.","start":1940.255,"end":1940.755,"sentiment":"neutral","sentiment_score":0.039853811264038086},{"text":"Did you want me to let me just go into mine as well so I can I tend to have to go into mine to follow through because you get a little bit lost in them, I guess?","start":1940.895,"end":1950.115,"sentiment":"neutral","sentiment_score":-0.00738601298316529},{"text":"Yep.","start":1969.475,"end":1969.975,"sentiment":"neutral","sentiment_score":-0.010533049702644348},{"text":"So if you go into service yeah.","start":1972.995,"end":1975.075,"sentiment":"neutral","sentiment_score":-0.015289618367595332},{"text":"And then services when you get the services option.","start":1975.075,"end":1977.655,"sentiment":"neutral","sentiment_score":-0.0021855649020936754}],"sentiment":"neutral","sentiment_score":-0.006750806151623172,"num_words":56,"start":1940.255,"end":1977.655},{"sentences":[{"text":"So if you go into myGov, it says, hi, Shane.","start":1984.25,"end":1987.0701,"sentiment":"neutral","sentiment_score":0.007336391694843769},{"text":"If are you on your phone in the app?","start":1987.37,"end":1990.11,"sentiment":"neutral","sentiment_score":0.009401947466863526},{"text":"Yep.","start":1990.41,"end":1990.73,"sentiment":"neutral","sentiment_score":0.02251019142568111},{"text":"So at the very bottom, you should have home, wallet, inbox, and services.","start":1990.73,"end":1994.35,"sentiment":"neutral","sentiment_score":0.0350731283139724},{"text":"Yep.","start":1999.6051,"end":1999.925,"sentiment":"neutral","sentiment_score":0.01937052793800831}],"sentiment":"neutral","sentiment_score":0.019288612693986473,"num_words":34,"start":1984.25,"end":1999.925},{"sentences":[{"text":"So services, and then click on the ATO.","start":1999.925,"end":2002.185,"sentiment":"neutral","sentiment_score":0.02658511674962938},{"text":"Beautiful.","start":2004.645,"end":2005.145,"sentiment":"positive","sentiment_score":0.3428558111190796},{"text":"That should just take a second to load.","start":2007.22,"end":2009.7999,"sentiment":"neutral","sentiment_score":0.18559033051133156},{"text":"And then from there, you've got menu at the very top.","start":2011.46,"end":2014.1799,"sentiment":"neutral","sentiment_score":0.08491226895288988},{"text":"Just click on the menu.","start":2014.1799,"end":2015.3999,"sentiment":"neutral","sentiment_score":0.046623224020004274}],"sentiment":"neutral","sentiment_score":0.09719425659965385,"num_words":33,"start":1999.925,"end":2015.3999},{"sentences":[{"text":"Yep.","start":2019.395,"end":2019.7949,"sentiment":"neutral","sentiment_score":0.06507188081741333},{"text":"And then we click on super.","start":2019.7949,"end":2021.335,"sentiment":"neutral","sentiment_score":0.07516028607885043},{"text":"Beautiful.","start":2023.315,"end":2023.815,"sentiment":"positive","sentiment_score":0.8111873865127563},{"text":"And then we should go for information, and then we go carry forward concessional contribution.","start":2023.955,"end":2032.9349,"sentiment":"neutral","sentiment_score":0.10055709009369214},{"text":"And then if we scroll down, it'll tell us essentially whether you're eligible or not eligible for carry forward.","start":2035.12,"end":2045.54,"sentiment":"neutral","sentiment_score":0.013082089882932212}],"sentiment":"neutral","sentiment_score":0.07343183435677063,"num_words":42,"start":2019.395,"end":2045.54},{"sentences":[{"text":"If you go down further under the financial year, it still should say unused concessional contributions available to carry forward.","start":2054.095,"end":2062.55,"sentiment":"neutral","sentiment_score":-0.008004993107169867},{"text":"Can you see that in, like, a little blue box?","start":2062.55,"end":2064.57,"sentiment":"neutral","sentiment_score":0.0075220351573079824},{"text":"Yep.","start":2070.87,"end":2071.37,"sentiment":"neutral","sentiment_score":0.024449758231639866},{"text":"Does it give you an option for financial years?","start":2093.24,"end":2095.9,"sentiment":"neutral","sentiment_score":0.010146178977770938},{"text":"Because normally, it has the heading carry forward concessional contributions, a whole bunch of information on eligibility, and then it should say total superannuation balance as of thirtieth of June 2025.","start":2103.9749,"end":2115.62,"sentiment":"neutral","sentiment_score":-0.006303819647479442}],"sentiment":"neutral","sentiment_score":-0.002317359867754956,"num_words":71,"start":2054.095,"end":2115.62},{"sentences":[{"text":"And then underneath that yep.","start":2115.62,"end":2119.08,"sentiment":"neutral","sentiment_score":0.005293852277100086},{"text":"And then underneath that, you'll have financial year, and then underneath that is, like, a unused concessional contributions available for the section.","start":2119.3,"end":2124.495,"sentiment":"neutral","sentiment_score":0.0027805012439123607},{"text":"Section.","start":2131.455,"end":2131.935,"sentiment":"neutral","sentiment_score":0.004692808724939823},{"text":"Yep.","start":2131.935,"end":2132.435,"sentiment":"neutral","sentiment_score":0.0031081184279173613},{"text":"Yep.","start":2135.375,"end":2135.875,"sentiment":"neutral","sentiment_score":-0.0017050567548722029}],"sentiment":"neutral","sentiment_score":0.0031245386383185786,"num_words":30,"start":2115.62,"end":2135.875},{"sentences":[{"text":"Okay.","start":2143.38,"end":2143.88,"sentiment":"neutral","sentiment_score":-0.003009360283613205},{"text":"Is there, like, a drop down section?","start":2144.0198,"end":2146.98,"sentiment":"neutral","sentiment_score":0.0041930475272238255},{"text":"Does it sort of say more information or anything underneath that?","start":2146.98,"end":2150.2,"sentiment":"neutral","sentiment_score":-0.003249553455547853},{"text":"Does it say show details?","start":2154.145,"end":2155.365,"sentiment":"neutral","sentiment_score":-0.008015582337975502},{"text":"Interesting.","start":2163.0398,"end":2163.5398,"sentiment":"neutral","sentiment_score":-0.0377194881439209}],"sentiment":"neutral","sentiment_score":-0.003488020617514849,"num_words":25,"start":2143.38,"end":2163.5398},{"sentences":[{"text":"Because your balance is definitely under the threshold.","start":2163.8398,"end":2166.5798,"sentiment":"neutral","sentiment_score":-0.07454319018870592},{"text":"You should have access to carry forward.","start":2166.72,"end":2168.98,"sentiment":"neutral","sentiment_score":-0.03203800054533141},{"text":"Unless unless you've used the cap most years, and there isn't any carry forward put in.","start":2169.1199,"end":2181.3052,"sentiment":"neutral","sentiment_score":-0.18296172097325325},{"text":"That's okay.","start":2183.5251,"end":2184.345,"sentiment":"neutral","sentiment_score":-0.005093985237181187},{"text":"Let me have a look.","start":2186.8052,"end":2188.185,"sentiment":"neutral","sentiment_score":0.022543206997215747}],"sentiment":"neutral","sentiment_score":-0.09593344727335007,"num_words":38,"start":2163.8398,"end":2188.185},{"sentences":[{"text":"I'm just gonna go back in hub to the earliest I can see to see what we've got available.","start":2189.46,"end":2194.76,"sentiment":"neutral","sentiment_score":0.01744561353208203},{"text":"Okay.","start":2194.82,"end":2195.22,"sentiment":"neutral","sentiment_score":-0.016638221219182014},{"text":"So last yep.","start":2195.22,"end":2201.88,"sentiment":"neutral","sentiment_score":-0.07170335575938225},{"text":"Yep.","start":2203.54,"end":2204.04,"sentiment":"neutral","sentiment_score":0.1306944191455841},{"text":"Yep.","start":2209.055,"end":2209.555,"sentiment":"neutral","sentiment_score":0.1288873255252838}],"sentiment":"neutral","sentiment_score":0.01437200453132391,"num_words":25,"start":2189.46,"end":2209.555},{"sentences":[{"text":"Perfect.","start":2210.815,"end":2211.315,"sentiment":"positive","sentiment_score":0.4967460632324219},{"text":"Perfect.","start":2213.055,"end":2213.555,"sentiment":"positive","sentiment_score":0.5931637287139893},{"text":"Underneath that, you should have a whole list of previous financial years as well.","start":2213.695,"end":2218.095,"sentiment":"neutral","sentiment_score":0.12748335168829986},{"text":"Do can you see that list?","start":2218.095,"end":2219.635,"sentiment":"neutral","sentiment_score":0.03547270285586516},{"text":"Yep.","start":2219.695,"end":2220.195,"sentiment":"neutral","sentiment_score":0.03100385330617428}],"sentiment":"neutral","sentiment_score":0.13558768634886845,"num_words":23,"start":2210.815,"end":2220.195},{"sentences":[{"text":"Yep.","start":2235.155,"end":2235.655,"sentiment":"neutral","sentiment_score":0.03311295434832573},{"text":"Yep.","start":2241.235,"end":2241.735,"sentiment":"neutral","sentiment_score":0.07871244847774506},{"text":"Beautiful.","start":2246.53,"end":2247.03,"sentiment":"positive","sentiment_score":0.6373087167739868},{"text":"Yep.","start":2252.05,"end":2252.55,"sentiment":"neutral","sentiment_score":0.1084785908460617},{"text":"Beautiful.","start":2262.7651,"end":2263.2651,"sentiment":"positive","sentiment_score":0.58833247423172}],"sentiment":"neutral","sentiment_score":0.28918903693556786,"num_words":5,"start":2235.155,"end":2263.2651},{"sentences":[{"text":"Can I'm gonna send you an email now so you've got my email there.","start":2263.3252,"end":2267.8052,"sentiment":"neutral","sentiment_score":0.07965119050017425},{"text":"Can you do me a favor and screenshot that and email it to me?","start":2267.8052,"end":2271.905,"sentiment":"neutral","sentiment_score":0.05710114751543317},{"text":"Yeah.","start":2274.34,"end":2274.82,"sentiment":"neutral","sentiment_score":0.029686978086829185},{"text":"If you can.","start":2274.82,"end":2275.72,"sentiment":"neutral","sentiment_score":0.02546700711051623},{"text":"Yeah.","start":2276.1,"end":2276.34,"sentiment":"neutral","sentiment_score":0.0551811084151268}],"sentiment":"neutral","sentiment_score":0.06290308606218208,"num_words":33,"start":2263.3252,"end":2276.34},{"sentences":[{"text":"If you if you can if it's possible, try to get as many as many of the last five years as possible.","start":2276.34,"end":2283.96,"sentiment":"neutral","sentiment_score":0.04155865438621153},{"text":"Normally, it shows you all previous financial years, so you can kinda screenshot them.","start":2284.58,"end":2288.805,"sentiment":"neutral","sentiment_score":0.057428554232631414},{"text":"If not, if you can just go back the years that let you and just screenshot those for me and send those individually through, I can just tally up what you have available.","start":2288.805,"end":2297.945,"sentiment":"neutral","sentiment_score":0.09706026022181366},{"text":"And that way, we've got a bit of a record for you for moving forward, and I'll reply back with what you're able to claim under the notice of intent.","start":2298.2449,"end":2306.2402,"sentiment":"neutral","sentiment_score":0.3035855824748675},{"text":"And then you can just let me know if that's what you want me to do.","start":2306.2402,"end":2309.04,"sentiment":"neutral","sentiment_score":0.15493260975927114}],"sentiment":"neutral","sentiment_score":0.1435458084649366,"num_words":115,"start":2276.34,"end":2309.04},{"sentences":[{"text":"We don't need you to sign anything.","start":2309.04,"end":2310.4001,"sentiment":"neutral","sentiment_score":0.00943481975368091},{"text":"I just need confirmation via email that's what you want me to do, and I can do that in the system for you and then send you the confirmation of that for the last financial year.","start":2310.4001,"end":2318.8152,"sentiment":"neutral","sentiment_score":0.22503053665988976},{"text":"Oh, fantastic.","start":2321.355,"end":2322.235,"sentiment":"positive","sentiment_score":0.5889705419540405},{"text":"Yeah.","start":2322.235,"end":2322.475,"sentiment":"neutral","sentiment_score":0.172936350107193},{"text":"That sounds about right.","start":2322.475,"end":2323.695,"sentiment":"neutral","sentiment_score":0.09886671230196953}],"sentiment":"neutral","sentiment_score":0.19826974682509899,"num_words":50,"start":2309.04,"end":2323.695},{"sentences":[{"text":"I'm just Beautiful.","start":2324.635,"end":2367.915,"sentiment":"neutral","sentiment_score":0.20526988338679075},{"text":"Alright.","start":2367.915,"end":2368.235,"sentiment":"neutral","sentiment_score":0.22090470790863037},{"text":"I'm just sending that email to you now.","start":2368.235,"end":2370.895,"sentiment":"neutral","sentiment_score":0.14728345535695553},{"text":"Hopefully, it comes through fairly quickly.","start":2371.195,"end":2373.0352,"sentiment":"neutral","sentiment_score":0.17383187264204025},{"text":"If not, whenever it comes through, that's absolutely fine.","start":2373.0352,"end":2376.095,"sentiment":"neutral","sentiment_score":0.16480567016535336}],"sentiment":"neutral","sentiment_score":0.16819349141722476,"num_words":27,"start":2324.635,"end":2376.095},{"sentences":[{"text":"And as soon as I get it, I'll look at that for you.","start":2376.475,"end":2378.715,"sentiment":"neutral","sentiment_score":0.1643426613165782},{"text":"I'll do the math.","start":2378.715,"end":2379.5151,"sentiment":"neutral","sentiment_score":0.1102431919425726},{"text":"I'll work out what I'll just double check that you have the whole available for this last financial year.","start":2379.5151,"end":2386.1702,"sentiment":"neutral","sentiment_score":0.09410434882891805},{"text":"And if that's what if you have that available, are you happy to claim the whole amount that you've got there?","start":2386.1702,"end":2391.1301,"sentiment":"neutral","sentiment_score":0.10044543054841813},{"text":"So we've essentially got $3,787.01 to claim.","start":2391.1301,"end":2396.51,"sentiment":"neutral","sentiment_score":0.03464299653257642}],"sentiment":"neutral","sentiment_score":0.10495726577937603,"num_words":64,"start":2376.475,"end":2396.51},{"sentences":[{"text":"Beautiful.","start":2398.545,"end":2399.045,"sentiment":"positive","sentiment_score":0.6300029754638672},{"text":"Alright.","start":2399.265,"end":2399.665,"sentiment":"positive","sentiment_score":0.43158113956451416},{"text":"I've sent that one to you.","start":2399.665,"end":2401.285,"sentiment":"positive","sentiment_score":0.3693951318661372},{"text":"And I've just got the confirmation that you signed the documents, so thank you for that.","start":2401.345,"end":2405.185,"sentiment":"positive","sentiment_score":0.40615442395210266},{"text":"Really appreciate it.","start":2405.185,"end":2406.485,"sentiment":"positive","sentiment_score":0.34949349363644916}],"sentiment":"positive","sentiment_score":0.4009224507543776,"num_words":27,"start":2398.545,"end":2406.485},{"sentences":[{"text":"All good.","start":2407.665,"end":2408.325,"sentiment":"positive","sentiment_score":0.5126958638429642},{"text":"I really enjoy this.","start":2408.465,"end":2409.665,"sentiment":"positive","sentiment_score":0.596801832318306},{"text":"I wanna make sure things work harder for you.","start":2409.665,"end":2411.49,"sentiment":"positive","sentiment_score":0.3936239977677663},{"text":"And, look, advice doesn't stop at retirement.","start":2411.49,"end":2413.75,"sentiment":"neutral","sentiment_score":0.2357048669031688},{"text":"You could have a whole another lifetime in retirement.","start":2413.97,"end":2416.55,"sentiment":"neutral","sentiment_score":0.29219364788797164}],"sentiment":"positive","sentiment_score":0.36241586890912825,"num_words":31,"start":2407.665,"end":2416.55},{"sentences":[{"text":"We'll keep updating and making sure it all lasts for you in those retirement years as well.","start":2416.61,"end":2421.33,"sentiment":"neutral","sentiment_score":0.2031541685847675},{"text":"Okay?","start":2421.33,"end":2421.83,"sentiment":"neutral","sentiment_score":0.12318099290132524},{"text":"Beautiful.","start":2424.125,"end":2424.625,"sentiment":"positive","sentiment_score":0.5409420728683472},{"text":"That's what I do.","start":2424.925,"end":2426.045,"sentiment":"positive","sentiment_score":0.38633690029382706},{"text":"I'm very much the retirement person with us.","start":2426.045,"end":2428.525,"sentiment":"positive","sentiment_score":0.3948861062526703}],"sentiment":"neutral","sentiment_score":0.2845864639647545,"num_words":31,"start":2416.61,"end":2428.525},{"sentences":[{"text":"So happy to help you along and make sure we get to that point and that you enjoy your retirement years and spend as much time with your grandkids as possible.","start":2428.525,"end":2437.185,"sentiment":"positive","sentiment_score":0.5000222296484055},{"text":"My pleasure.","start":2441.11,"end":2441.75,"sentiment":"positive","sentiment_score":0.37680450081825256},{"text":"I'll let you go.","start":2441.75,"end":2442.55,"sentiment":"neutral","sentiment_score":0.2663736119866371},{"text":"When that email comes, if you send those back to me, I'll reply back straight away so you know that I've got it, and we'll get that sorted for you today.","start":2442.55,"end":2449.4302,"sentiment":"neutral","sentiment_score":0.28148438324851377},{"text":"Easy.","start":2449.4302,"end":2449.9302,"sentiment":"positive","sentiment_score":0.35200488567352295}],"sentiment":"positive","sentiment_score":0.3825770048559576,"num_words":69,"start":2428.525,"end":2449.9302},{"sentences":[{"text":"Absolutely.","start":2457.605,"end":2458.105,"sentiment":"neutral","sentiment_score":0.012265567667782308},{"text":"Yep.","start":2460.405,"end":2460.905,"sentiment":"neutral","sentiment_score":0.04433371126651764},{"text":"Absolutely.","start":2464.98,"end":2465.48,"sentiment":"positive","sentiment_score":0.4890649318695069},{"text":"Not a problem.","start":2467.06,"end":2467.86,"sentiment":"neutral","sentiment_score":0.2074904963374138},{"text":"If any questions come out of it, let me know.","start":2467.86,"end":2469.86,"sentiment":"neutral","sentiment_score":0.04284827373921871}],"sentiment":"neutral","sentiment_score":0.0997886523255147,"num_words":16,"start":2457.605,"end":2469.86},{"sentences":[{"text":"If you have trouble reaccessing it, let me know.","start":2469.86,"end":2471.9402,"sentiment":"neutral","sentiment_score":-0.009557144923342599},{"text":"We can always resend it back to you as well.","start":2471.9402,"end":2474.1802,"sentiment":"neutral","sentiment_score":0.17260672450065612},{"text":"Okay?","start":2474.1802,"end":2474.6802,"sentiment":"neutral","sentiment_score":0.18451468646526337},{"text":"Thanks.","start":2476.953,"end":2477.453,"sentiment":"positive","sentiment_score":0.696999192237854},{"text":"The you too.","start":2477.513,"end":2478.873,"sentiment":"positive","sentiment_score":0.627447267373403}],"sentiment":"neutral","sentiment_score":0.18349619256332517,"num_words":24,"start":2469.86,"end":2478.873},{"sentences":[{"text":"Thanks so much, Shane.","start":2478.873,"end":2479.833,"sentiment":"positive","sentiment_score":0.7835867702960968},{"text":"Talk to you soon.","start":2479.833,"end":2480.633,"sentiment":"positive","sentiment_score":0.560577929019928},{"text":"See you later.","start":2480.633,"end":2481.453,"sentiment":"positive","sentiment_score":0.37435569365819293},{"text":"Bye.","start":2481.6729,"end":2482.1729,"sentiment":"neutral","sentiment_score":0.23895156383514404}],"sentiment":"positive","sentiment_score":0.5615564535061518,"num_words":12,"start":2478.873,"end":2482.1729}]}}]},{"alternatives":[{"transcript":"Hello. Shane speaking. I'm wonderful. Thank you. And yourself, Diana? Good. You alright? Yeah. Most definitely. It is. Yeah. My I I I do have today off, but I'm visiting my wife who's looking after her her daughter and family after they've had a baby. So yeah. And she she says yeah. Thank you. Yeah. It's our second grandson. So yeah. But my wife said, oh, I'm so ready to come home. I mean, it's like just it's just ridiculous. You know? It's just looking after them and and their other son and just oh. And and and and a dog as well because we don't have any cats at home. It's like, oh my god. There's so much it is. It is. Most definitely. And and and yeah. But so it's just a discussion about what I want from my overview services or how it's been going or Perfect. Perfect. Yep. Yeah. Perfect. Perfect. I'll got into this big. So I I don't know how I've been, you know, hacked or something like that, but it's kind of just all these things have been shutting down. It's like, oh my god. So so when when when you when you oh, there we go. Outlook. So I I re I restarted my phone and then moved all my widgets around. I can't find anything now. So I and everything I open now, it's got ads. But oh, god. No. It's just Oh, perfect. Yep. Exactly. Exactly. Yeah. And I'm I'm a bit of a luddite when it comes to technology. I'm quite useless. So I'm just Yeah. Yep. Yep. Yeah. Yeah. I want to check something or or have something that I can hit very very close by. I'm just checking I'm just checking my inbox. Okay. I've got it. Junk. Junk. That's nothing in junk. Okay. Phone is inbox. Nothing yet. Yeah. That'd be great. Yeah. Yeah. Thank you. I appreciate that. Yeah. Good. Yeah. Cool. Yeah. Of course. Yeah. Yeah. Yeah. Yes. Yes. Yes. Perfect. That's right. Correct. Yes. It is it is still accurate. Yeah. Yep. Cool. Cool. Yep. Yeah. Gotcha. Yes. Yep. Yes. Perfect. Yeah. Perfect. Yeah. That sounds right. Yep. Yes. Perfect. Yes. Right. Yep. Cool. Yep. Sweet. So that that email has come through. Statement of advice, same info. This is for James Taylor. So click the start. Yep. Right. Cool. Okay. Alright. So it's going straight through page 32. So I'll go to page 17, you said? Okay. Page seven to nine. So you got the the hub 24 in reference. Yep. Perfect. Yep. Yeah. Yeah. Yeah. Perfect. Yep. Yep. Yep. Cool. Yep. Okay. Okay. Yep. Perfect. Perfect. Love it. Yeah. Okay. Yep. Perfect. Perfect. Longer. Yeah. Okay. Let's go. Perfect. Perfect. Yeah. Okay. Perfect. Yep. Yes. Yes. Yep. That's fantastic. Cool. Fantastic. Yes. Perfect. Perfect. Yeah. That's right. No. Thank you. That's good. And and see have you get in front of me as well? I'm trying to say that to you. Yep. Yep. You're what? 19. 20 three. Yep. Yep. Okay. Yeah. Cool. Because I I I usually each fortnight, if I know that I'm gonna be doing overtime, I'll increase my salary sacrifice. Or if I know that I'm gonna be just doing a regular seven hours thirty six with no penalties, no nothing like that, I'll I'll decrease my my my salary sacrifice. So does that go straight into is that what you're talking about in my my thorough sacrificing? Is that what you're Yeah. Cool. Yep. Yeah. Cool. Because the way what the way I saw it was I was doing 10 I'm doing 10% as a as a base every fortnight. And then and then I increase it to, say, it'll be 500 a fortnight if I have if I'm gonna do overtime and pen and penalties. So I was looking at it kind of thinking that I was putting in around about that 700 or 800 a fortnight anyway. Is that so are you saying to increase it a bit more? Or yeah. Because I Yeah. Yeah. Yeah. I can. Yep. Okay. Yeah. Wonderful. Wonderful. And I I I received a a call or an email the other day saying about my my super contributions and and having to do something for my when I do my tax return. I can't I can't think of what that Yep. So I just so when when I do my tax, you know, through the myGov, because I we just do it through ourselves. We don't go through an account. Does does that just get input into the my gov site for you just doing your tax return? Is that right? Okay. Okay. Yeah. Cool. Yes. Yes. Yes. Yes, please. Okay. That's fine. That's great. Thank you. Yeah. Yep. Yeah. Yes. Yeah. Yeah. Yeah. Of course. Exactly. We do. Yeah. Yeah. Cool. No. Nice. Nice. I like that a lot. That's fantastic. Brilliant. Yep. Yep. Yep. Yeah. That's definitely it. That's cool. Fantastic. I love that. That's awesome. Thank you so much. Yes. Beautiful. Love that. Yeah. Love that. I've been watching my my hub 24 go up and down up and down, especially with Trump in at the moment. It's just like, oh my god. This is crazy. Oh, a rollercoaster. I know you guys do it. Seriously. Yes. Yes. Yes. Yeah. Yes. Yeah. Cool. Perfect. Perfect. Oh, sweet. That's awesome. Yep. Yep. Yep. Yeah. Perfect. Okay. Beautiful. Beautiful. But, yeah, when I go down to page 32, that that signature and there's a little multiline, is it? K. Gotcha. Yep. I just put in a, head first a, and sign there. Oh, shame pin form. There we go. Beautiful. And sign sign all sign all. Is it? Yeah. Most definitely. Yeah. Most definitely. And the the date is all very small. Oh, yeah. '4 to '6 '16 '7. Yeah. Cool. Done. Yep. And next next document, click to start. 303 sorted. Okay. We're all good. Nice. Validate. And and you're saying that the myGovs I'll go into that now. Yeah. MyGov. Yeah. Exactly. You could. Oh, most definitely. Yep. Alright. Yeah. Most definitely. Most definitely. Cool. And excel that. Continue. Done. Pinned. No current alerts to show. Go into me and going into sorry. See. Services. I'm not sure where services is. Is that just under my profile? Yes. Yeah. Oh, hang on. Are you at home or inboxing services? Yep. Yep. Menu. Oh, yeah. There we are. K. Tax. Super. Fun details information. Manage. Yep. Okay. Yep. We are currently we currently have no Carrie Ford concessional contributions information to display. There is just personal details. Total superannuation packet balance. So just personal details. And for name or fields, like, our settings, home. No. Not that I can see. I'll go back one. Yeah. Oh, yep. '20 '6 oh, '20 oh, yep. Yes. Yeah. It's just got the financial year 2627 and then current as of 07/16/2026. And we currently have no carry forward concessional contributions information to display. You give us feedback? Make sure you No. Personal details? No. Nothing. So, yeah, I I've this is this is this is the most I've ever so sacrificed myself and yeah. Well, it had it had the financial year of 2627. So I've just dropped that box down and gone 2526. And it's got unused concessional contributions available to carry forward is eligible 92,000 862. Yeah. No. There's just show details. Eligible to carry forward unused concessional contributions. Super and it's got show details. Then division two ninety three down further, but show details. Oh, yep. So I got 2526 financial year. Amount, 100 and $37,500. Concessional contributions, 44,637. And then unused concessional contributions cap available to carry forward is 92,862. That's got the previous years. Yep. Yeah. Screenshot this. Look at my yep. Okay. Yeah. Of course. Yeah. Yep. Yeah. Cool. Yeah. Cool. I can get back to 2021. '20 '20 '21. '21 02/03. Yeah. I'm used concessional, 20,000, 19,000. Yeah. Alright. Cool. I'm just taking some screenshots. Yep. Yeah. Definitely. Perfect. Perfect. Oh, awesome. No. Thank you. Great work. Yeah. And that's what Kevin and I want. Good. Love it. Fantastic. Love it, Diana. Thank you very much. Appreciate it. That's great. Great. Thank you very much. Great chat. And, yeah, it's it's quite overwhelming all the information, but I'll have looked through that that email as well and, yeah, and just kind of get it in my right in my head. But, yeah, thanks for all the work that you've done. Appreciate it. Nice one. Alright. Thanks, David. I really appreciate that. Have a great afternoon. No worries. Take take care. 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Shane speaking. I'm wonderful. Thank you. And yourself, Diana?\n\nGood. You alright? Yeah. Most definitely. It is.\n\nYeah. My I I I do have today off, but I'm visiting my wife who's looking after her her daughter and family after they've had a baby. So yeah. And she she says yeah. Thank you.\n\nYeah. It's our second grandson. So yeah. But my wife said, oh, I'm so ready to come home. I mean, it's like just it's just ridiculous.\n\nYou know? It's just looking after them and and their other son and just oh. And and and and a dog as well because we don't have any cats at home. It's like, oh my god. There's so much it is.\n\nIt is. Most definitely. And and and yeah. But so it's just a discussion about what I want from my overview services or how it's been going or Perfect. Perfect.\n\nYep. Yeah. Perfect. Perfect. I'll got into this big.\n\nSo I I don't know how I've been, you know, hacked or something like that, but it's kind of just all these things have been shutting down. It's like, oh my god. So so when when when you when you oh, there we go. Outlook. So I I re I restarted my phone and then moved all my widgets around.\n\nI can't find anything now. So I and everything I open now, it's got ads. But oh, god. No. It's just Oh, perfect.\n\nYep. Exactly. Exactly. Yeah. And I'm I'm a bit of a luddite when it comes to technology.\n\nI'm quite useless. So I'm just Yeah. Yep. Yep. Yeah.\n\nYeah. I want to check something or or have something that I can hit very very close by. I'm just checking I'm just checking my inbox. Okay. I've got it.\n\nJunk. Junk. That's nothing in junk. Okay. Phone is inbox.\n\nNothing yet. Yeah. That'd be great. Yeah. Yeah.\n\nThank you. I appreciate that. Yeah. Good. Yeah.\n\nCool. Yeah. Of course. Yeah. Yeah.\n\nYeah. Yes. Yes. Yes. Perfect.\n\nThat's right. Correct. Yes. It is it is still accurate. Yeah.\n\nYep. Cool. Cool. Yep. Yeah.\n\nGotcha. Yes. Yep. Yes. Perfect.\n\nYeah. Perfect. Yeah. That sounds right. Yep.\n\nYes. Perfect. Yes. Right. Yep.\n\nCool. Yep. Sweet. So that that email has come through. Statement of advice, same info.\n\nThis is for James Taylor. So click the start. Yep. Right. Cool.\n\nOkay. Alright. So it's going straight through page 32. So I'll go to page 17, you said? Okay.\n\nPage seven to nine. So you got the the hub 24 in reference. Yep. Perfect. Yep.\n\nYeah. Yeah. Yeah. Perfect. Yep.\n\nYep. Yep. Cool. Yep. Okay.\n\nOkay. Yep. Perfect. Perfect. Love it.\n\nYeah. Okay. Yep. Perfect. Perfect.\n\nLonger. Yeah. Okay. Let's go. Perfect.\n\nPerfect. Yeah. Okay. Perfect. Yep.\n\nYes. Yes. Yep. That's fantastic. Cool.\n\nFantastic. Yes. Perfect. Perfect. Yeah.\n\nThat's right. No. Thank you. That's good. And and see have you get in front of me as well?\n\nI'm trying to say that to you. Yep. Yep. You're what? 19.\n\n20 three. Yep. Yep. Okay. Yeah.\n\nCool. Because I I I usually each fortnight, if I know that I'm gonna be doing overtime, I'll increase my salary sacrifice. Or if I know that I'm gonna be just doing a regular seven hours thirty six with no penalties, no nothing like that, I'll I'll decrease my my my salary sacrifice. So does that go straight into is that what you're talking about in my my thorough sacrificing? Is that what you're Yeah.\n\nCool. Yep. Yeah. Cool. Because the way what the way I saw it was I was doing 10 I'm doing 10% as a as a base every fortnight.\n\nAnd then and then I increase it to, say, it'll be 500 a fortnight if I have if I'm gonna do overtime and pen and penalties. So I was looking at it kind of thinking that I was putting in around about that 700 or 800 a fortnight anyway. Is that so are you saying to increase it a bit more? Or yeah. Because I Yeah.\n\nYeah. Yeah. I can. Yep. Okay.\n\nYeah. Wonderful. Wonderful. And I I I received a a call or an email the other day saying about my my super contributions and and having to do something for my when I do my tax return. I can't I can't think of what that Yep.\n\nSo I just so when when I do my tax, you know, through the myGov, because I we just do it through ourselves. We don't go through an account. Does does that just get input into the my gov site for you just doing your tax return? Is that right? Okay.\n\nOkay. Yeah. Cool. Yes. Yes.\n\nYes. Yes, please. Okay. That's fine. That's great.\n\nThank you. Yeah. Yep. Yeah. Yes.\n\nYeah. Yeah. Yeah. Of course. Exactly.\n\nWe do. Yeah. Yeah. Cool. No.\n\nNice. Nice. I like that a lot. That's fantastic. Brilliant.\n\nYep. Yep. Yep. Yeah. That's definitely it.\n\nThat's cool. Fantastic. I love that. That's awesome. Thank you so much.\n\nYes. Beautiful. Love that. Yeah. Love that.\n\nI've been watching my my hub 24 go up and down up and down, especially with Trump in at the moment. It's just like, oh my god. This is crazy. Oh, a rollercoaster. I know you guys do it.\n\nSeriously. Yes. Yes. Yes. Yeah.\n\nYes. Yeah. Cool. Perfect. Perfect.\n\nOh, sweet. That's awesome. Yep. Yep. Yep.\n\nYeah. Perfect. Okay. Beautiful. Beautiful.\n\nBut, yeah, when I go down to page 32, that that signature and there's a little multiline, is it? K. Gotcha. Yep. I just put in a, head first a, and sign there.\n\nOh, shame pin form. There we go. Beautiful. And sign sign all sign all. Is it?\n\nYeah. Most definitely. Yeah. Most definitely. And the the date is all very small.\n\nOh, yeah. '4 to '6 '16 '7. Yeah. Cool. Done.\n\nYep. And next next document, click to start. 303 sorted. Okay. We're all good.\n\nNice. Validate. And and you're saying that the myGovs I'll go into that now. Yeah. MyGov.\n\nYeah. Exactly. You could. Oh, most definitely. Yep.\n\nAlright. Yeah. Most definitely. Most definitely. Cool.\n\nAnd excel that. Continue. Done. Pinned. No current alerts to show.\n\nGo into me and going into sorry. See. Services. I'm not sure where services is. Is that just under my profile?\n\nYes. Yeah. Oh, hang on. Are you at home or inboxing services? Yep.\n\nYep. Menu. Oh, yeah. There we are. K.\n\nTax. Super. Fun details information. Manage. Yep.\n\nOkay. Yep. We are currently we currently have no Carrie Ford concessional contributions information to display. There is just personal details. Total superannuation packet balance.\n\nSo just personal details. And for name or fields, like, our settings, home. No. Not that I can see. I'll go back one.\n\nYeah. Oh, yep. '20 '6 oh, '20 oh, yep. Yes. Yeah.\n\nIt's just got the financial year 2627 and then current as of 07/16/2026. And we currently have no carry forward concessional contributions information to display. You give us feedback? Make sure you No. Personal details?\n\nNo. Nothing. So, yeah, I I've this is this is this is the most I've ever so sacrificed myself and yeah. Well, it had it had the financial year of 2627. So I've just dropped that box down and gone 2526.\n\nAnd it's got unused concessional contributions available to carry forward is eligible 92,000 862. Yeah. No. There's just show details. Eligible to carry forward unused concessional contributions.\n\nSuper and it's got show details. Then division two ninety three down further, but show details. Oh, yep. So I got 2526 financial year. Amount, 100 and $37,500.\n\nConcessional contributions, 44,637. And then unused concessional contributions cap available to carry forward is 92,862. That's got the previous years. Yep. Yeah.\n\nScreenshot this. Look at my yep. Okay. Yeah. Of course.\n\nYeah. Yep. Yeah. Cool. Yeah.\n\nCool. I can get back to 2021. '20 '20 '21. '21 02/03. Yeah.\n\nI'm used concessional, 20,000, 19,000. Yeah. Alright. Cool. I'm just taking some screenshots.\n\nYep. Yeah. Definitely. Perfect. Perfect.\n\nOh, awesome. No. Thank you. Great work. Yeah.\n\nAnd that's what Kevin and I want. Good. Love it. Fantastic. Love it, Diana.\n\nThank you very much. Appreciate it. That's great. Great. Thank you very much.\n\nGreat chat. And, yeah, it's it's quite overwhelming all the information, but I'll have looked through that that email as well and, yeah, and just kind of get it in my right in my head. But, yeah, thanks for all the work that you've done. Appreciate it. Nice one.\n\nAlright. Thanks, David. I really appreciate that. Have a great afternoon. No worries.\n\nTake take care. Bye bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.04,"end":1.52,"sentiment":"neutral","sentiment_score":0.02776726335287094},{"text":"Shane speaking.","start":1.52,"end":2.34,"sentiment":"neutral","sentiment_score":0.02686910890042782},{"text":"I'm wonderful.","start":6.3999996,"end":7.2,"sentiment":"positive","sentiment_score":0.7961307168006897},{"text":"Thank you.","start":7.2,"end":7.6,"sentiment":"positive","sentiment_score":0.750198632478714},{"text":"And yourself, Diana?","start":7.6,"end":8.58,"sentiment":"positive","sentiment_score":0.3920741081237793}],"sentiment":"positive","sentiment_score":0.4350386504083872,"num_words":10,"start":1.04,"end":8.58},{"sentences":[{"text":"Good.","start":11.12,"end":11.62,"sentiment":"positive","sentiment_score":0.44376951456069946},{"text":"You 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19,000.","start":2331.14,"end":2334.92,"sentiment":"neutral","sentiment_score":0.016277269832789897},{"text":"Yeah.","start":2335.38,"end":2335.88,"sentiment":"neutral","sentiment_score":0.06847883015871048},{"text":"Alright.","start":2341.4949,"end":2341.9949,"sentiment":"neutral","sentiment_score":0.22703897953033447},{"text":"Cool.","start":2367.525,"end":2368.025,"sentiment":"positive","sentiment_score":0.4727257490158081},{"text":"I'm just taking some screenshots.","start":2372.1648,"end":2373.7048,"sentiment":"neutral","sentiment_score":0.11627824157476425}],"sentiment":"neutral","sentiment_score":0.11007854736481722,"num_words":13,"start":2331.14,"end":2373.7048},{"sentences":[{"text":"Yep.","start":2379.125,"end":2379.625,"sentiment":"neutral","sentiment_score":0.08503624051809311},{"text":"Yeah.","start":2391.61,"end":2392.01,"sentiment":"neutral","sentiment_score":0.029420726001262665},{"text":"Definitely.","start":2392.01,"end":2392.51,"sentiment":"neutral","sentiment_score":0.06640689074993134},{"text":"Perfect.","start":2396.835,"end":2397.335,"sentiment":"positive","sentiment_score":0.4918370544910431},{"text":"Perfect.","start":2397.395,"end":2397.895,"sentiment":"positive","sentiment_score":0.567517876625061}],"sentiment":"neutral","sentiment_score":0.24804375767707826,"num_words":5,"start":2379.125,"end":2397.895},{"sentences":[{"text":"Oh, awesome.","start":2405.155,"end":2405.955,"sentiment":"positive","sentiment_score":0.36188046634197235},{"text":"No.","start":2405.955,"end":2406.195,"sentiment":"neutral","sentiment_score":0.23886798322200775},{"text":"Thank you.","start":2406.195,"end":2406.935,"sentiment":"neutral","sentiment_score":0.2782575637102127},{"text":"Great work.","start":2407.2,"end":2408.18,"sentiment":"positive","sentiment_score":0.4771478623151779},{"text":"Yeah.","start":2417.5999,"end":2418.0999,"sentiment":"neutral","sentiment_score":0.15290981531143188}],"sentiment":"neutral","sentiment_score":0.3282936979085207,"num_words":8,"start":2405.155,"end":2418.0999},{"sentences":[{"text":"And that's what Kevin and I want.","start":2421.545,"end":2423.2449,"sentiment":"neutral","sentiment_score":0.16138936366353715},{"text":"Good.","start":2429.865,"end":2430.365,"sentiment":"positive","sentiment_score":0.5172919034957886},{"text":"Love it.","start":2430.505,"end":2431.2449,"sentiment":"positive","sentiment_score":0.49849115312099457},{"text":"Fantastic.","start":2437.9402,"end":2438.4402,"sentiment":"positive","sentiment_score":0.5763876438140869},{"text":"Love it, Diana.","start":2438.58,"end":2439.2202,"sentiment":"positive","sentiment_score":0.5211019913355509}],"sentiment":"positive","sentiment_score":0.3416923838002341,"num_words":14,"start":2421.545,"end":2439.2202},{"sentences":[{"text":"Thank you very much.","start":2439.2202,"end":2439.9402,"sentiment":"positive","sentiment_score":0.5604787617921829},{"text":"Appreciate it.","start":2439.9402,"end":2440.84,"sentiment":"positive","sentiment_score":0.5114870667457581},{"text":"That's great.","start":2449.565,"end":2450.365,"sentiment":"positive","sentiment_score":0.4646663963794708},{"text":"Great.","start":2450.365,"end":2450.605,"sentiment":"positive","sentiment_score":0.4865441024303436},{"text":"Thank you very much.","start":2450.605,"end":2451.485,"sentiment":"positive","sentiment_score":0.400084987282753}],"sentiment":"positive","sentiment_score":0.4831620019215804,"num_words":13,"start":2439.2202,"end":2451.485},{"sentences":[{"text":"Great chat.","start":2451.485,"end":2452.125,"sentiment":"neutral","sentiment_score":0.22176098823547363},{"text":"And, yeah, it's it's quite overwhelming all the information, but I'll have looked through that that email as well and, yeah, and just kind of get it in my right in my head.","start":2452.125,"end":2464.33,"sentiment":"neutral","sentiment_score":0.04940641033604289},{"text":"But, yeah, thanks for all the work that you've done.","start":2464.33,"end":2466.6501,"sentiment":"positive","sentiment_score":0.6403551779687404},{"text":"Appreciate it.","start":2466.6501,"end":2467.6301,"sentiment":"positive","sentiment_score":0.4011020362377167},{"text":"Nice one.","start":2474.6948,"end":2475.1748,"sentiment":"positive","sentiment_score":0.6896724998950958}],"sentiment":"neutral","sentiment_score":0.21753131366353862,"num_words":49,"start":2451.485,"end":2475.1748},{"sentences":[{"text":"Alright.","start":2475.1748,"end":2475.4148,"sentiment":"positive","sentiment_score":0.47281432151794434},{"text":"Thanks, David.","start":2475.4148,"end":2475.9749,"sentiment":"positive","sentiment_score":0.7466251254081726},{"text":"I really appreciate that.","start":2475.9749,"end":2476.855,"sentiment":"positive","sentiment_score":0.8169830292463303},{"text":"Have a great afternoon.","start":2476.855,"end":2477.835,"sentiment":"positive","sentiment_score":0.7464275509119034},{"text":"No worries.","start":2480.295,"end":2481.035,"sentiment":"neutral","sentiment_score":0.2682938352227211}],"sentiment":"positive","sentiment_score":0.6735611202625128,"num_words":13,"start":2475.1748,"end":2481.035},{"sentences":[{"text":"Take take care.","start":2481.1748,"end":2482.2148,"sentiment":"neutral","sentiment_score":0.2418084591627121},{"text":"Bye bye.","start":2482.2148,"end":2482.875,"sentiment":"neutral","sentiment_score":0.015768881887197495}],"sentiment":"neutral","sentiment_score":0.15139262825250627,"num_words":5,"start":2481.1748,"end":2482.875}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Shane speaking.\n\nChannel 0: Hi, Shane. It's Shane of Smoky Financial. How are you this morning?\n\nChannel 1: I'm wonderful. Thank you. And yourself, Diana?\n\nChannel 0: I'm very well. Thank you. Thank you for asking.\n\nChannel 1: Good. You\n\nChannel 0: I\n\nChannel 1: alright?\n\nChannel 0: have you booked have you booked in just to go to your updated advice document. Is now a good time there for you?\n\nChannel 1: Yeah. Most definitely. It is. Yeah. My I I I do have today off, but I'm visiting my wife who's looking after her her daughter and family after they've had a baby.\n\nSo yeah.\n\nChannel 0: Oh,\n\nChannel 1: And\n\nChannel 0: congratulations.\n\nChannel 1: she she says yeah. Thank you. Yeah. It's our second grandson. So yeah.\n\nBut my wife said, oh, I'm so ready to come home. I mean, it's like just it's just ridiculous.\n\nChannel 0: Yeah.\n\nChannel 1: You know? It's just looking\n\nChannel 0: Yeah.\n\nChannel 1: after them and and their other son and just\n\nChannel 0: It's a lot.\n\nChannel 1: oh. And\n\nChannel 0: Yeah.\n\nChannel 1: and and and a dog as well because we don't have any cats at home. It's like, oh my god. There's so\n\nChannel 0: It's\n\nChannel 1: much\n\nChannel 0: a lot.\n\nChannel 1: it is. It is. Most definitely.\n\nChannel 0: No.\n\nChannel 1: And\n\nChannel 0: All\n\nChannel 1: and\n\nChannel 0: good.\n\nChannel 1: and yeah. But\n\nChannel 0: You're right.\n\nChannel 1: so it's just a discussion about what I want from my overview services or how it's been going or\n\nChannel 0: Yeah. So, basically, last time we called up, we had a bit of an admin review. I went back and looked at doing some advice for you to sort of look at what we might need to change and update the advice to sort of keep you on track for your retirement goals there.\n\nChannel 1: Perfect.\n\nChannel 0: So\n\nChannel 1: Perfect.\n\nChannel 0: this this is essentially the advice document showing you. I've done the research. I've got the recommendation here. It was around sort of looking at your super, maybe readjusting the portfolio as well, maybe removing some investments that'll be underperforming a little bit for you.\n\nChannel 1: Yep.\n\nChannel 0: And then we also talked about salary sacrifice and what you might need to maybe do to increase that to kinda keep you on track to boost the super a bit over the next few years.\n\nChannel 1: Yeah. Perfect. Perfect.\n\nChannel 0: Easy.\n\nChannel 1: I'll\n\nChannel 0: I have sent you an email. Are you able to open that email at all? If you're not, that's absolutely fine.\n\nChannel 1: got into this big. So I I don't know how I've been, you know, hacked or something like that, but it's kind of just all these\n\nChannel 0: Sorry.\n\nChannel 1: things have been shutting down. It's like, oh my god. So so\n\nChannel 0: Oh, Shane.\n\nChannel 1: when when when you when you oh, there we go. Outlook. So I I re I restarted my phone and then moved all my widgets around. I can't find anything now. So I and everything\n\nChannel 0: Oh,\n\nChannel 1: I open now, it's got ads. But oh, god. No. It's just\n\nChannel 0: no. Oh, no. And you probably just had everything right. Right? You wanted it\n\nChannel 1: Oh,\n\nChannel 0: today as\n\nChannel 1: perfect.\n\nChannel 0: well.\n\nChannel 1: Yep. Exactly. Exactly. Yeah. And I'm I'm a bit of a luddite when it comes to technology.\n\nI'm quite useless. So I'm just\n\nChannel 0: No. Honestly, I understand. I am in my forties. I'm 41, but, like, I can do math on the back of my hands. I can do finance\n\nChannel 1: Yeah.\n\nChannel 0: left, right, and center. But when the phone doesn't work, oh my god.\n\nChannel 1: Yep.\n\nChannel 0: If the printer won't print, oh my god. I need help quickly.\n\nChannel 1: Yep. Yeah. Yeah. I want to check something or or have something that I can hit very very\n\nChannel 0: Yep.\n\nChannel 1: close by. I'm just checking I'm just checking my inbox. Okay.\n\nChannel 0: You're right.\n\nChannel 1: I've\n\nChannel 0: It'll\n\nChannel 1: got\n\nChannel 0: come from the Odoo site. It'll say from Dana at Oakview as well or from, I think, sign at Oakview. Yeah.\n\nChannel 1: it. Junk. Junk. That's nothing in junk. Okay.\n\nPhone is inbox. Nothing yet.\n\nChannel 0: Nothing yet. That's okay. The others, yeah, are about sort of five to ten minutes ago. Yeah. That's okay.\n\nDid you want me to run you through the recommendations while that sort of does come through? And\n\nChannel 1: Yeah.\n\nChannel 0: if it does\n\nChannel 1: That'd be\n\nChannel 0: pop\n\nChannel 1: great.\n\nChannel 0: through, just let me know. I will try to keep it as brief. I don't wanna kinda overcomplicate it for you at all.\n\nChannel 1: Yeah. Yeah. Thank you. I appreciate that.\n\nChannel 0: So with the document there, we have stated it as of yesterday's day, which is when we completed it just to keep it valid for you, so our documents statements of advice are valid for six days from the date on the document. So you've got some time to read it over. Let\n\nChannel 1: Yeah.\n\nChannel 0: me\n\nChannel 1: Good.\n\nChannel 0: know if you do happen to have any questions at all. Have been prepared for yourself as of July 15. It's almost sorry. Also got my representative number on there as well. So I'm an authorized licensed financial adviser registered with ASIC, and my registration number is 1304394.\n\nNow I do also have to sorry. Because we've got chatting. I forgot to mention, we do record our calls moving forward for training and quality purposes, and it also helps\n\nChannel 1: Yeah.\n\nChannel 0: me\n\nChannel 1: Cool.\n\nChannel 0: with file noting. Are you happy for me to proceed\n\nChannel 1: Yeah.\n\nChannel 0: with that?\n\nChannel 1: Of course. Yeah. Yeah. Yeah.\n\nChannel 0: Fantastic. Now this document has been limited to essentially suit regulation. So when I had a bit of a look at your super after the last sort of call and this last twelve months, your super has still performed very well.\n\nChannel 1: Yes.\n\nChannel 0: You have\n\nChannel 1: Yes.\n\nChannel 0: received net of fees of 8.77% return, so it is really good. However, our conversation last year was you are getting closer to retirement, so you wanted to make sure and maybe readjust the portfolio to there have been some underperforming investments that have held the portfolio back a little bit. So I did wanna look at adjusting things for you, keep you on track, maybe also look at the fees you're paying within the portfolio as well and try to limit those a bit because that takes more money invested for you at the end of day as\n\nChannel 1: Yes. Perfect. That's right.\n\nChannel 0: well. Yeah. So your goal with regard to super in retirement was that you're hoping to retire at about age 65, and income\n\nChannel 1: Correct.\n\nChannel 0: in retirement was about $600 per week currently. Is that still fairly accurate?\n\nChannel 1: Yes. It is it is still\n\nChannel 0: Yes.\n\nChannel 1: accurate. Yeah.\n\nChannel 0: Beautiful. So I have scoped in the superannuation side of things. Now you did kinda mention to me last year when we spoke that you were happy with the insurances that you did have as well, so there was no need to change the insurances. Into this document, I've not made any new recommendations about insurances, but I what I do is I essentially scope it into a limited scope. So I've accepted the insurance premiums into the projection side of things, and that is\n\nChannel 1: Yep.\n\nChannel 0: appropriate to be advised because as insurances get more expensive as they get older, they do have an effect in our retirement. So this sort of shows you the projected outcome of what we're expecting based on the changes and your current scenario, and it's factors in the insurance premiums there for you as well. Okay?\n\nChannel 1: Cool. Cool.\n\nChannel 0: And the other thing I sort of wanted to look at with you is because you are getting closer to retirement, that you have about nine years before you're wanting to access the\n\nChannel 1: Yep.\n\nChannel 0: super. Essentially, we wanted to also look at where you were tracking for, so actually have a look at the retirement projection. It is limited, so it's in because I don't do a full retirement advice document until you are actually ready to retire, and we\n\nChannel 1: Yeah.\n\nChannel 0: know\n\nChannel 1: Gotcha.\n\nChannel 0: exactly what you're gonna need to earn and how it's gonna And I wanna also factor Deborah into that kind of advice as well.\n\nChannel 1: Yes.\n\nChannel 0: So as you guys get closer, I would like to really look at things together for you, look at your goals\n\nChannel 1: Yep.\n\nChannel 0: together, look at what you're tracking for, how that affects the both of you, and\n\nChannel 1: Yes.\n\nChannel 0: how\n\nChannel 1: Perfect.\n\nChannel 0: long super might last between the two of you. But for this document, I've done a limited straight projection based on what I'm recommending and what this looks like in retirement based on this goal just for yourself. Okay?\n\nChannel 1: Yeah. Perfect. Yeah. That sounds right.\n\nChannel 0: Excellent. Areas we're not looking at is cash on debt reduction for you guys. Do have a bit of a mortgage. You are wanting to pay that down prior\n\nChannel 1: Yep.\n\nChannel 0: to, obviously, retiring there. If you did need any assistance in the area, we do provide financial advice around those, but I'll just scope that out of this document for the time being for you. We'll focus on super for this moment for you. Okay?\n\nChannel 1: Yes. Perfect. Yes. Right. Yep.\n\nChannel 0: Excellent. As you are going through the document, we do have assets and liabilities noted down as per your last conversation with us. If if they have changed, that is okay. It is normal and expected. But if there is anything else you are reading it later on you want me to update in the back end, just let me know.\n\nI'm more than happy to make any changes that you need. Okay?\n\nChannel 1: Cool. Yep. Sweet.\n\nChannel 0: Excellent.\n\nChannel 1: So that that\n\nChannel 0: So\n\nChannel 1: email has come\n\nChannel 0: yeah. Oh,\n\nChannel 1: through.\n\nChannel 0: fantastic.\n\nChannel 1: Statement of advice, same info.\n\nChannel 0: Yep.\n\nChannel 1: This is\n\nChannel 0: So\n\nChannel 1: for\n\nChannel 0: if you\n\nChannel 1: James\n\nChannel 0: just press\n\nChannel 1: Taylor.\n\nChannel 0: on the sign and go through to the next page, it should let you scroll through that document there. Excellent. And to make things easier on you, I'm yeah. And if you go down to page 17 when you're able to look at that, that's probably really good timing, actually.\n\nChannel 1: So click the start. Yep. Right. Cool. Okay.\n\nAlright. So it's going straight through page 32. So I'll go to page 17,\n\nChannel 0: Page\n\nChannel 1: you said?\n\nChannel 0: 17. Yeah. You'll see the heading is recommended investment superannuation. The 17. Yep.\n\nChannel 1: Okay. Page seven to nine. So you got the the hub 24 in reference.\n\nChannel 0: That's the one. Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Good\n\nChannel 1: Perfect.\n\nChannel 0: timing. Because this is the\n\nChannel 1: Yep.\n\nChannel 0: part that gets a little bit convoluted. But, essentially,\n\nChannel 1: Yeah.\n\nChannel 0: having a look at your investments within Hub twenty four, you can see, essentially what we wanna change in buy and sell. Now I did go back and review Hub twenty four as a super platform as well, and I am recommending\n\nChannel 1: Yeah.\n\nChannel 0: we retain that. It is not a bad platform. You guys are linked in the background as well, so you do have the aggregation, which means that because you're the link in the background, all your fees, like admin fees and things are reduced as much as absolute possible. They have\n\nChannel 1: Yeah.\n\nChannel 0: this family\n\nChannel 1: Perfect.\n\nChannel 0: fee aggregation side of it. So what I'm recommending we do with the investments is we do do a bit of a switch around. So we are going to sell off all the battery and lithium tech. It has done really well. It's not a bad place to be, but it is very much a somatic or a themed ETF.\n\nI\n\nChannel 1: Yep.\n\nChannel 0: wanna sell that down completely and cement the gains that you have had out of that one.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Then\n\nChannel 1: Cool.\n\nChannel 0: along the same equity, this investment has been underperforming in your portfolio for the last couple of months, and I wanted to get rid of that. And I've looked at\n\nChannel 1: Yep.\n\nChannel 0: some other options for you.\n\nChannel 1: Okay.\n\nChannel 0: Essentially, then along was placed as an actively managed investment. So the job of the investment manager for Bennelong is they're trying to buy and sell in a way that the returns that they achieve outperform against the market. They haven't been able to do that, And\n\nChannel 1: Okay.\n\nChannel 0: active managers as a whole have had trouble doing that this year, not just because of what's been occurring in the market generally with The US and Iran war, but Benelbaum\n\nChannel 1: Yep.\n\nChannel 0: have had some underlying issues that we've decided it's not worth you staying in there. You're too close to retirement to be in underperforming investors, so it's time to give them the second move from your portfolio.\n\nChannel 1: Perfect. Perfect. Love it.\n\nChannel 0: Yeah. You've also got some bank hybrids in there as well. These are more of a complex investments. They're sort of like bonds where you're putting money into the bank's investment areas. They're giving you regular income payments, but bank hybrids are also traded like shares are on the on the ASX.\n\nChannel 1: Yeah.\n\nChannel 0: These are actually\n\nChannel 1: Okay.\n\nChannel 0: being phased out by the government in the next couple of years. So instead of having to hold on to them now and sell them down the track because you are so close to retirement, we're better off getting rid of those now for you as\n\nChannel 1: Yep.\n\nChannel 0: well.\n\nChannel 1: Perfect.\n\nChannel 0: Okay?\n\nChannel 1: Perfect. Longer.\n\nChannel 0: Physical gold has done really, really well. We wanna keep that in your portfolio. It is still a great place to be. Physical gold is a growth\n\nChannel 1: Yeah.\n\nChannel 0: investment, but it also acts alternatively. So you've got about 8.91% in your portfolio. At the moment, we wanna hold 10%, so we're gonna buy a little bit more of that for you. Cool. Yeah.\n\nCybersecurity, again, is a really good investment. It has had a bit of a pullback this year. It has been affected by the Iran war with The US, so it has had a little bit of a downtime, but it's still a good investment to hold on to. You have about 7% there at the moment, and we wanna hold about 5%. So we're just gonna submit some of the gains that you've received in that investment and rebalance it back for you.\n\nOkay?\n\nChannel 1: Okay. Let's go.\n\nChannel 0: Bonds are are great investments. These are more defensive in nature. They are it's a combination of government and corporate bonds essentially. You've only got about 8% there at the moment. Because we're removing the bank hybrid completely, we wanna still have defensive investments, and defensive investments are low risk cash producing.\n\nAnd we need to make sure we have enough of those in your portfolio. So we're gonna increase your exposure in the core composite bonds to account for removing the bank hybrid and bring you up to about 14% there. Okay?\n\nChannel 1: Perfect. Perfect.\n\nChannel 0: The SMB 500, this is giving you exposure to the top 500 companies on The US, and it is still a good investment today. Has seen a bit of fluctuation. Overall, has seen really good gains after, you know, everything we went through with that. Between I think the downtime, the worst point for that investment was around about March and April, which is when Trump was absolutely in the news every day, and there\n\nChannel 1: Yeah.\n\nChannel 0: was a lot more sort of said about it. But it has kinda evened out quite significantly, and we're still seeing really good gains out of the S and P 500. So\n\nChannel 1: Okay.\n\nChannel 0: we're gonna increase your exposure a bit to 30% for the portfolio.\n\nChannel 1: Perfect. Yep.\n\nChannel 0: We've also got Van X Property. This is giving you exposure to property in Australia. It has been really good, but property is having a bit of a fallback. So we are just gonna remove that. It's more of a somatic sort of themed investment.\n\nChannel 1: Yes.\n\nChannel 0: It is there more for growth. We also wanna look at reducing your risk level in your portfolio because you are closer to retirement as well. So the that reducing the cost, keeping the gains working and compounding, but also sort of reducing the risk level as much as possible as you get closer to retirement as well. So I am gonna remove that completely from the portfolio and sell that down. And we've got the beta shares roughly 200.\n\nThat's giving you exposure to 200 companies on the ASX. We're looking at both mid, large cap, and small cap companies. Sorry. Because they're getting rid of the Venelong Equities, I'm also removing the BetaShares RAPI 200, and we're gonna move that exposure into something else for you. It's still gonna\n\nChannel 1: Yes.\n\nChannel 0: be Australian equity, so we'll keep that exposure level. With the purchases, to replace a lot of what we're removing, we're gonna give you exposure to Europe. This is giving you exposure to all 16 European countries, all established markets, and it is a really good place to see a lot of growth at the moment, and moving\n\nChannel 1: Yep.\n\nChannel 0: forward, we'll continue. It's also giving you more diversification because it's spreading your risk level across more countries. Japan has looked after its economy really, really well at the moment, so it is a really good place to see growth, especially with a lot of the hardship. Like, China was meant to come out of COVID and be kind of the building block for most investments in companies. However, it hasn't kind of worked out that way.\n\nThere's still a lot of hostility with China, but Japan has been where a lot of companies are kind of moving their manufacturing into. And Japan also looked after their country very, very well with stockpiling fuel and things like that for what we've just gone through. So\n\nChannel 1: That's\n\nChannel 0: we are\n\nChannel 1: fantastic.\n\nChannel 0: wanting to put some more money into the Japanese economy and just having about 5% of your portfolio there for you. Okay?\n\nChannel 1: Cool. Fantastic.\n\nChannel 0: Yeah. With Vanguard All World ex US investment there, that's essentially giving you exposure to the entire globe. They're giving you more diversification, which overall helps to reduce the risk of your portfolio. It is ex US, so not including The US, and that's because you've got the S and P 500 exposure above this. Don't wanna have too much exposure into The US.\n\nChannel 1: Yes.\n\nChannel 0: But that's a really good low risk investment. It's a really good diversified investment as well, and it's low costing because it's Vanguard. It tracks essentially the all world index, so it's fantastic.\n\nChannel 1: Perfect.\n\nChannel 0: And then because we are removing the Australian exposure out of the banner long and the beta shares, Rafi, we're gonna put you into the a 200. This is giving you exposure to the top 200 companies on the ASX. So it's actually by removing the banner long, it's actually giving you more diversification. It's still giving you a great exposure into the market. We're gonna hold about 20% of your portfolio, and it's actually lower cost as well.\n\nSo it's healthy to save fees, investment fees in your portfolio, which is really important. But that's essentially\n\nChannel 1: Perfect.\n\nChannel 0: the changes that I wanna make to your portfolio for you.\n\nChannel 1: Yeah. That's right. No. Thank you. That's\n\nChannel 0: That's\n\nChannel 1: good.\n\nChannel 0: okay.\n\nChannel 1: And and see have you get in front of me as well? I'm trying to say that to you.\n\nChannel 0: Yeah. Essentially, with your cash account, we only ever wanna hold 1.5% cash within the cash account in the super fund. You do have about 1.6 at the moment, so we're gonna take some of that cash and reinvest it. Our money\n\nChannel 1: Yep.\n\nChannel 0: was part of being invested rather than sitting in cash. So we'll just make sure that that cash account is reduced to the minimum it needs to be.\n\nChannel 1: Yep.\n\nChannel 0: If you scroll down for me sorry. Just to\n\nChannel 1: You're\n\nChannel 0: page\n\nChannel 1: what?\n\nChannel 0: number I'm just going through really\n\nChannel 1: 19.\n\nChannel 0: To page number 23.\n\nChannel 1: 20\n\nChannel 0: Yeah.\n\nChannel 1: three.\n\nChannel 0: Page\n\nChannel 1: Yep.\n\nChannel 0: number 23. Yep. This got the fee comparison table for you. Beautiful. Now the other part of the recommendation, essentially, is that you are currently salary sacrificing.\n\nIt's about a $164 on a a weekly basis in the super.\n\nChannel 1: Yep.\n\nChannel 0: I did sort of have a look at the projected outcome, and I'm recommending that you just increase that salary sacrifice a little bit more. So adding it to $36 per week will bring your salary sacrifice up to about $200 per week. So if\n\nChannel 1: Okay.\n\nChannel 0: you guys can afford that, just increasing your salary sacrifice each week will also provide benefit. It means that more money will be going into your space. So being invested in the portfolio to help grow that over the next couple of years for you as well. Okay?\n\nChannel 1: Yeah. Cool. Because I I I usually each fortnight, if I know that I'm gonna be doing overtime, I'll increase\n\nChannel 0: Yep.\n\nChannel 1: my salary sacrifice. Or if I know that\n\nChannel 0: Yep.\n\nChannel 1: I'm gonna be just doing a regular seven hours thirty six with no penalties, no nothing like that, I'll I'll decrease my my my salary sacrifice. So does that\n\nChannel 0: Yep.\n\nChannel 1: go straight into is that what you're talking about in my my thorough sacrificing? Is that what you're\n\nChannel 0: Yeah. So that's where the employer takes that money out of your income pretax, and they just put deposit that straight into your super fund the same as your employer contribution.\n\nChannel 1: Yeah.\n\nChannel 0: So,\n\nChannel 1: Cool.\n\nChannel 0: yeah, we just want you, yeah, just recommending that you make that an even 200 every fortnight so\n\nChannel 1: Yep.\n\nChannel 0: every week. This all continues to go in and is paid into your sleep. But now that employers are supposed to be paying our contributions as payday, it means that we're gonna get proper dollar cost averaging. So with your contributions going in every week or fortnight with your income being paid to you, it means that you're really gonna take advantage of the market. And instead of having lump sum once every couple of months, we'll have regular contributions, which is gonna provide\n\nChannel 1: Yeah.\n\nChannel 0: greater benefit long term. So yeah.\n\nChannel 1: Cool. Because the way what\n\nChannel 0: Yeah.\n\nChannel 1: the way I saw it was I was doing 10 I'm doing 10% as a as a\n\nChannel 0: Yep.\n\nChannel 1: base every fortnight.\n\nChannel 0: Yep.\n\nChannel 1: And then and then I increase it to, say, it'll be 500 a fortnight if I have if I'm\n\nChannel 0: Yep.\n\nChannel 1: gonna do overtime and pen and penalties. So I was looking at it kind of thinking that I was putting in around about that 700 or 800 a fortnight anyway. Is that so\n\nChannel 0: Yeah.\n\nChannel 1: are you saying\n\nChannel 0: It's\n\nChannel 1: to increase it a bit more? Or\n\nChannel 0: yeah. Just increase it. So it levels out of the set 200 every week for you just to make it a bit easier.\n\nChannel 1: yeah.\n\nChannel 0: And\n\nChannel 1: Because\n\nChannel 0: then\n\nChannel 1: I\n\nChannel 0: if you are getting additional overtime, what you could always do is put that aside into an account in, like, your bank account or something. If you wanted to make\n\nChannel 1: Yeah.\n\nChannel 0: extra contributions when you get more money, absolutely. But you could\n\nChannel 1: Yeah.\n\nChannel 0: also hold that aside. And at the end of the financial year, we can always have a look at what you've got available to you, what your contributions look like, and we could also look at making tax up contributions and deductible contributions that might also give you a tax deduction at the end of the year as well. So\n\nChannel 1: Yeah. I\n\nChannel 0: I just\n\nChannel 1: can.\n\nChannel 0: yeah. I just think if we have a level a level of salary sacrifice on top of your normal employer contributions, that just kinda gives you regular increments of money being invested, which is dollar cost averaging and provides that greater benefit.\n\nChannel 1: Yep.\n\nChannel 0: And then anything additional, if you hold that aside, if you want, end of financial year so I could make it in May every year. I give you a call. We talk about what you have available, the contributions that have gone in, and we can look at whether we make additional contributions and make it more of a tax deduction for you so you get a little bit more of a deduction at the end of the financial year.\n\nChannel 1: Okay. Yeah. Wonderful.\n\nChannel 0: Yeah.\n\nChannel 1: Wonderful. And I I I received a a call or an email the other day saying about my my super contributions and and having to do something for my when I do my tax return.\n\nChannel 0: Let's have a look.\n\nChannel 1: I can't I can't think of what that\n\nChannel 0: That's okay. Let me have a look there for you. Okay. Perfect. So you received a call from Michelle that was\n\nChannel 1: Yep.\n\nChannel 0: on the ninth of the sixth. Yeah. So she noted that you'd you'd that you'd made some personal contributions. She was reaching out to find out whether you wanted to claim this as a tax deduction. So let me just have a look at your actual super and go back here for you.\n\nChannel 1: So I just so when when I do my tax, you know, through the myGov, because I we just do it through\n\nChannel 0: And\n\nChannel 1: ourselves. We don't\n\nChannel 0: yeah.\n\nChannel 1: go through an account.\n\nChannel 0: Yep.\n\nChannel 1: Does does that just get input into the my gov site for you just doing your tax return? Is that right?\n\nChannel 0: Yeah. It definitely does. So it looks like you made some additional non concessional contributions last financial year of and we still have non concessional contributions of $3,787.01 that was made to the fund. You\n\nChannel 1: Okay.\n\nChannel 0: can claim a notice of intent against those funds, and that essentially means that they become what's called a deductible contribution. So that 3,000 what have we got? $3,787, you can claim as a tax deduction at the end of the financial year, and you\n\nChannel 1: Okay.\n\nChannel 0: claim that on your tax return. But in\n\nChannel 1: Yeah.\n\nChannel 0: order to\n\nChannel 1: Cool.\n\nChannel 0: have that happen, we just have to claim a notice of intent. The only issue I have with doing that full amount is that your contributions for the last financial year actually totaled 29,707 and 63¢. So you were\n\nChannel 1: Yes.\n\nChannel 0: actually very close to the cap at the end\n\nChannel 1: Yes.\n\nChannel 0: of the year.\n\nChannel 1: Yes.\n\nChannel 0: So what I would probably like to do really quickly is if after the call, are you able, at some point, say, able to get into your myGov account at all and get your\n\nChannel 1: Yes, please.\n\nChannel 0: yep. Because of your balance and your age, we can look to utilize carry forward contributions, so unused employer and sell back from the last five financial years. But I just need to see what you have available to you over the past five years to determine how much we can actually claim under that tax deduction. So I'll\n\nChannel 1: Okay.\n\nChannel 0: send you an email after the call with directions on how to get that. Can you grab the email to me? I can have a look at your availability and look at whether we can claim that full amount for you. Is that okay?\n\nChannel 1: That's fine. That's great. Thank you.\n\nChannel 0: Yep. That's okay. Easy done. And, look, honestly, we can do we do that every year. We can have a look at what you've got available to you and make that deductible contribution at the end of the finance to a year if you'd like to and look\n\nChannel 1: Yeah.\n\nChannel 0: at what available cap space you have. You're able to use carry form contributions until your balance reaches 500,000. Once\n\nChannel 1: Yep.\n\nChannel 0: your balance reaches 500,000, as at June 30, any financial year, the following year, you lose tax to carry forward. So it's good to try and use that now, and it'll also provide a little bit of a boost to you. And then look, a tax deduction's not a bad thing. We all pay way too much tax.\n\nChannel 1: Yeah. Yes. Yeah. Yeah. Yeah.\n\nOf course. Exactly. We do.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Yeah. Cool.\n\nChannel 0: That's it. So yeah. Look. Honestly, that that's what I'm what I'm recommending. We switch the investments out a little bit, do a bit of an update of your portfolio there.\n\nWith that page, you'll see at the bottom, you are a growth investor. As I kind of explained last time, was a growth investor has that eighty twenty split between growth investments to defensive investments there. And in your current tab there, you'll see the older investments, whilst your portfolio was a little bit lower than that this year, has averaged about 9.54% on a yearly basis over the past five years, which isn't bad at all. But\n\nChannel 1: No.\n\nChannel 0: the newer portfolio, when we look at how that has performed, it had a greater past performance. So if that can do the same thing over the next five to ten years, it actually puts you in a much greater position. So in nine years, we could actually see you with a bit over $700,000 in super.\n\nChannel 1: Nice. Nice. I like that\n\nChannel 0: Yeah.\n\nChannel 1: a lot. That's fantastic.\n\nChannel 0: Yeah.\n\nChannel 1: Brilliant.\n\nChannel 0: As a bit of a disadvantage, I do have to let you know, I do consider the tax effect on your super. So just like you do a tax return every year, so does your super fund.\n\nChannel 1: Yep.\n\nChannel 0: The CGT is something super does account for. To make the switch on the investment, it's essentially worked out that the CGT is expected to be $1,886. It\n\nChannel 1: Yep.\n\nChannel 0: just means that your super fund accounts that after we complete the switch, and they take care of that for you. But I just have\n\nChannel 1: Yep.\n\nChannel 0: to let you know that that is an expectation. Okay?\n\nChannel 1: Yeah. That's definitely it. That's cool.\n\nChannel 0: Easy. But the positive to it is, as I mentioned, the new investors are cheaper. So the cheaper. So the investment fee is actually expected to save you $755 for the first year. So it's a cheaper portfolio and means more money stays invested in your super for you.\n\nChannel 1: Fantastic. I love that. That's\n\nChannel 0: Yeah.\n\nChannel 1: awesome. Thank you so much.\n\nChannel 0: Oh, that's okay. Essentially, I kinda mentioned I did do a bit of a retirement projection for you, and that's sitting on page number 25. So it's looking at if you were able to, you know, get your super up as high. I use a much more conservative rate return. So when I'm doing the projection table above with the fees, we utilize the 11.7 and project that forward.\n\nHowever, in retirement, I use a much more conservative rate projection. So it essentially shows we should be able to see your balance at least at 560,000 and in between\n\nChannel 1: Yes.\n\nChannel 0: that sort of $760,000 mark as well. So\n\nChannel 1: Beautiful.\n\nChannel 0: it's kind of about determining what the expectation is around market performance, but understanding volatility is a factor as well. So I kind of do that range. And when I'm projecting into retirement, I do do a much more conservative projection for you. So we can sort of see what the expectation is and build on that. It means that anything that we would achieve over that expectation is only a benefit to you and puts you in a much greater position long term as well.\n\nOkay?\n\nChannel 1: Love that. Yeah. Love that. I've been\n\nChannel 0: Yes.\n\nChannel 1: watching my my hub 24 go up and down up and down, especially with Trump in at the moment. It's just like, oh my god. This\n\nChannel 0: It's a\n\nChannel 1: is\n\nChannel 0: roller\n\nChannel 1: crazy.\n\nChannel 0: coaster of emotion, isn't it?\n\nChannel 1: Oh, a rollercoaster. I know you guys do it. Seriously.\n\nChannel 0: Look. I honestly really enjoy it, and I think the one thing I like to point out to people is that we all you know, we see things that are red and negative figures, and we're taught to look at that as a a negative thing. It makes us doesn't make us feel good in any way, shape, or form. But the idea of having me here as your adviser is that I'm here to talk you through those downtime to keep you invested because the last thing we should be doing is selling out of those downtime. And, I mean, I actually kinda get excited when there's a downtime.\n\nSo long as you're not retiring this year or\n\nChannel 1: Yes.\n\nChannel 0: next year or the year after, it's about taking advantage of that. So when the markets do take a bit of a dip truck, you know, put something out there and,\n\nChannel 1: Yes.\n\nChannel 0: you know, the market's taking a bit of a hit, that's a buying opportunity. So it's good to get some money into the market by those discount investments. And when that market takes effect and people see that going up, most people are gonna get into it. The biggest\n\nChannel 1: Yes.\n\nChannel 0: thing with market ups and downs is it's all about emotional buying and selling. So when people say investment is going down, they go, oh, no. I have to get out. And that's real that creates a bit of a sell off, and that's where those larger dips come out of.\n\nChannel 1: Yeah.\n\nChannel 0: What I like to do is, yeah, we go, cool. That's a dip. That's down. That's okay. You're not retiring.\n\nLet's buy into that now, and let's wait for it to come out, and then\n\nChannel 1: Yes.\n\nChannel 0: you kinda see the the advantage of that. The risk is you buy in and it keeps falling, but that's okay. You just kinda gotta wait. You wait through it, and that's why contributions and salary sacrifice on a weekly basis is really good for you because you're you're putting that money in on a regular basis. It's buying into the market no matter what the market's doing.\n\nWe're not trying to time the market, but we are staying invested throughout the market and taking advantage of whatever the market is doing and buying in at the all the ups and the downtime consistently. And that's where\n\nChannel 1: Yeah.\n\nChannel 0: the events\n\nChannel 1: Cool.\n\nChannel 0: have come out at the end of the day. So yeah.\n\nChannel 1: Perfect. Perfect.\n\nChannel 0: Yeah.\n\nChannel 1: Oh, sweet. That's awesome.\n\nChannel 0: Easy. All good. So feel free to have a good reach of the documents there. I'll just\n\nChannel 1: Yep.\n\nChannel 0: let you know, obviously, you do pay an ongoing service fee for our services. There's no implementation fees or upfront cost for this. The last document is all part of you being a client and me looking after you and working in your best interest.\n\nChannel 1: Yep. Yep.\n\nChannel 0: The ongoing service fee for yourself and because Deborah is a client as well is 1.10% per annum, and then we deduct that in smaller monthly income as that of your super. And the document does outline what the expectation is, and that's added into the projection side of things for you as well there. So\n\nChannel 1: Yeah. Perfect.\n\nChannel 0: if you wanted to have a bit of a range of the document, I've got advantages, disadvantages, risks, alternatives that I've considered, and I've also got a best interest duty related back to each of the recommendations\n\nChannel 1: Okay.\n\nChannel 0: Just so you can kinda see how we relate that back to your goal and why the recommendations and the advice is in your best interest. Okay.\n\nChannel 1: Beautiful. Beautiful. But, yeah, when\n\nChannel 0: Easy.\n\nChannel 1: I go down to page 32,\n\nChannel 0: Yep.\n\nChannel 1: that that signature and there's a little multiline, is it?\n\nChannel 0: Yep. Yep. So the multiline is just if you don't have if there's any part of the recommendations you do not wish to take on board, if you the multiline should be optional. If it's mandated and makes you put something in it, you can write NA if there's nothing that you\n\nChannel 1: K.\n\nChannel 0: wanna\n\nChannel 1: Gotcha.\n\nChannel 0: if you have your take on all the recommendations. Or if there's something that you decide you're not wanting to take on board or don't wish us to implement, just write a little note in there. Okay?\n\nChannel 1: Yep. I just put in a,\n\nChannel 0: Yep.\n\nChannel 1: head first a, and sign there. Oh, shame pin form. There we go. Beautiful. And sign sign all\n\nChannel 0: Perfect. Perfect.\n\nChannel 1: sign all.\n\nChannel 0: And,\n\nChannel 1: Is it?\n\nChannel 0: yeah, and the other document attaches the ongoing service agreement for the next twelve months there as well if you're happy to remain a client for another year.\n\nChannel 1: Yeah. Most definitely. Yeah. Most definitely. And the the date is all very small.\n\nOh, yeah. '4\n\nChannel 0: Oh,\n\nChannel 1: to\n\nChannel 0: yeah.\n\nChannel 1: '6\n\nChannel 0: The date should\n\nChannel 1: '16\n\nChannel 0: automatically\n\nChannel 1: '7. Yeah.\n\nChannel 0: prompt\n\nChannel 1: Cool.\n\nChannel 0: for you.\n\nChannel 1: Done. Yep.\n\nChannel 0: Yeah. Easy.\n\nChannel 1: And\n\nChannel 0: And\n\nChannel 1: next\n\nChannel 0: then\n\nChannel 1: next document,\n\nChannel 0: next. Yep.\n\nChannel 1: click to start. 303 sorted. Okay. We're all good. Nice.\n\nValidate. And and you're saying that the myGovs I'll go into that now.\n\nChannel 0: Yep. Did you want me to let me just go into mine as well so\n\nChannel 1: Yeah.\n\nChannel 0: I can\n\nChannel 1: MyGov.\n\nChannel 0: I\n\nChannel 1: Yeah.\n\nChannel 0: tend\n\nChannel 1: Exactly.\n\nChannel 0: to have to go into\n\nChannel 1: You\n\nChannel 0: mine\n\nChannel 1: could.\n\nChannel 0: to follow through because you get a little\n\nChannel 1: Oh,\n\nChannel 0: bit lost\n\nChannel 1: most\n\nChannel 0: in\n\nChannel 1: definitely.\n\nChannel 0: them, I guess?\n\nChannel 1: Yep. Alright. Yeah. Most definitely. Most definitely.\n\nCool. And excel that. Continue. Done. Pinned.\n\nNo current alerts to show. Go into me and going\n\nChannel 0: Yep.\n\nChannel 1: into\n\nChannel 0: So\n\nChannel 1: sorry.\n\nChannel 0: if you go into\n\nChannel 1: See.\n\nChannel 0: service yeah. And then services when you get the services option.\n\nChannel 1: Services. I'm not sure where services is. Is that just under my profile?\n\nChannel 0: So if you go into myGov, it says, hi, Shane. If are you on your phone in the\n\nChannel 1: Yes.\n\nChannel 0: app? Yep.\n\nChannel 1: Yeah.\n\nChannel 0: So at the very bottom, you should have home, wallet, inbox, and services.\n\nChannel 1: Oh, hang on. Are you at home or inboxing services? Yep.\n\nChannel 0: Yep. So services, and then click on the ATO.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. That should just take a second to load. And then from there, you've got menu at the very top. Just click on the menu.\n\nChannel 1: Menu. Oh, yeah. There we are.\n\nChannel 0: Yep. And then we\n\nChannel 1: K.\n\nChannel 0: click\n\nChannel 1: Tax.\n\nChannel 0: on super.\n\nChannel 1: Super.\n\nChannel 0: Beautiful.\n\nChannel 1: Fun\n\nChannel 0: And then\n\nChannel 1: details\n\nChannel 0: we should\n\nChannel 1: information. Manage.\n\nChannel 0: go for information,\n\nChannel 1: Yep.\n\nChannel 0: and then we go carry forward concessional contribution.\n\nChannel 1: Okay. Yep.\n\nChannel 0: And then if we scroll down, it'll tell us essentially whether you're eligible or not eligible for carry forward.\n\nChannel 1: We are currently we currently have no Carrie Ford concessional contributions information to display.\n\nChannel 0: If you go down further under the financial year, it still should say unused concessional contributions available to carry forward. Can you see that in, like, a little blue box?\n\nChannel 1: There is just personal details.\n\nChannel 0: Yep.\n\nChannel 1: Total superannuation packet balance. So just personal details. And for name or fields, like, our settings, home.\n\nChannel 0: Does it give you an option for financial years?\n\nChannel 1: No. Not that I can see. I'll go back one.\n\nChannel 0: Because normally, it has the heading carry forward concessional contributions, a whole bunch of information on eligibility, and then it\n\nChannel 1: Yeah.\n\nChannel 0: should say total superannuation balance as of\n\nChannel 1: Oh,\n\nChannel 0: thirtieth\n\nChannel 1: yep.\n\nChannel 0: of June 2025.\n\nChannel 1: '20\n\nChannel 0: And\n\nChannel 1: '6\n\nChannel 0: then underneath\n\nChannel 1: oh, '20\n\nChannel 0: that\n\nChannel 1: oh, yep.\n\nChannel 0: yep. And then underneath that, you'll have financial\n\nChannel 1: Yes.\n\nChannel 0: year, and then underneath that is, like, a unused concessional contributions available for the section.\n\nChannel 1: Yeah. It's just got the financial year 2627\n\nChannel 0: Section.\n\nChannel 1: and then\n\nChannel 0: Yep.\n\nChannel 1: current as of 07/16/2026.\n\nChannel 0: Yep.\n\nChannel 1: And we currently have no carry forward concessional contributions information to display.\n\nChannel 0: Okay. Is there, like, a drop down section? Does it sort of say more information or anything underneath that?\n\nChannel 1: You give us feedback? Make\n\nChannel 0: Does it say show\n\nChannel 1: sure\n\nChannel 0: details?\n\nChannel 1: you No. Personal details? No. Nothing.\n\nChannel 0: Interesting. Because your balance is definitely under the threshold. You should have access to carry forward. Unless unless you've used the cap most years,\n\nChannel 1: So, yeah, I\n\nChannel 0: and\n\nChannel 1: I've\n\nChannel 0: there isn't any\n\nChannel 1: this\n\nChannel 0: carry\n\nChannel 1: is this\n\nChannel 0: forward\n\nChannel 1: is this is the most I've ever so\n\nChannel 0: put\n\nChannel 1: sacrificed\n\nChannel 0: in.\n\nChannel 1: myself and\n\nChannel 0: That's\n\nChannel 1: yeah.\n\nChannel 0: okay. Let me have a look. I'm just gonna go back in hub to the earliest I can see to see what we've got available. Okay.\n\nChannel 1: Well,\n\nChannel 0: So last\n\nChannel 1: it had it had the financial year of 2627. So I've just dropped that box down and gone\n\nChannel 0: yep.\n\nChannel 1: 2526.\n\nChannel 0: Yep.\n\nChannel 1: And it's got unused concessional contributions available to carry forward is\n\nChannel 0: Yep.\n\nChannel 1: eligible 92,000\n\nChannel 0: Perfect.\n\nChannel 1: 862.\n\nChannel 0: Perfect. Underneath that, you should have a whole list of previous financial years as well. Do can you\n\nChannel 1: Yeah.\n\nChannel 0: see that list? Yep.\n\nChannel 1: No. There's just show details. Eligible to carry forward unused concessional contributions. Super and it's got show details. Then division two ninety three down further, but\n\nChannel 0: Yep.\n\nChannel 1: show details. Oh, yep. So I got 2526 financial year.\n\nChannel 0: Yep.\n\nChannel 1: Amount, 100 and $37,500.\n\nChannel 0: Beautiful.\n\nChannel 1: Concessional contributions, 44,637.\n\nChannel 0: Yep.\n\nChannel 1: And then unused concessional contributions cap available to carry forward is 92,862. That's got\n\nChannel 0: Beautiful.\n\nChannel 1: the previous\n\nChannel 0: Can\n\nChannel 1: years.\n\nChannel 0: I'm gonna send you an email now so you've got my email there. Can you do me a favor and screenshot\n\nChannel 1: Yep.\n\nChannel 0: that and email it to me?\n\nChannel 1: Yeah. Screenshot this. Look\n\nChannel 0: Yeah.\n\nChannel 1: at my\n\nChannel 0: If you\n\nChannel 1: yep.\n\nChannel 0: can.\n\nChannel 1: Okay.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: If\n\nChannel 1: Of\n\nChannel 0: you\n\nChannel 1: course.\n\nChannel 0: if you can if it's possible, try to get as many as many of the last five years as possible.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Normally, it shows you all previous financial years, so you can kinda screenshot them. If not, if you can just go back the years that let you and just screenshot those for me and send those individually through, I can just tally up what\n\nChannel 1: Yeah.\n\nChannel 0: you have\n\nChannel 1: Cool.\n\nChannel 0: available. And that way, we've got a bit of a record for you for moving forward, and I'll reply back with what you're able to claim under the notice of intent. And then you can just let me know if that's what you want me to do. We don't need you to sign anything. I just need confirmation via email\n\nChannel 1: Yeah.\n\nChannel 0: that's what you want me to do, and I can do that in the system for you and then send you the confirmation of that for the last financial\n\nChannel 1: Cool.\n\nChannel 0: year.\n\nChannel 1: I can get back to 2021.\n\nChannel 0: Oh, fantastic. Yeah. That sounds\n\nChannel 1: '20\n\nChannel 0: about\n\nChannel 1: '20\n\nChannel 0: right.\n\nChannel 1: '21. '21\n\nChannel 0: I'm just\n\nChannel 1: 02/03. Yeah. I'm used concessional, 20,000, 19,000. Yeah. Alright.\n\nChannel 0: Beautiful.\n\nChannel 1: Cool.\n\nChannel 0: Alright. I'm just sending that email to you now. Hopefully, it comes through\n\nChannel 1: I'm\n\nChannel 0: fairly\n\nChannel 1: just\n\nChannel 0: quickly.\n\nChannel 1: taking some\n\nChannel 0: If not,\n\nChannel 1: screenshots.\n\nChannel 0: whenever it comes through, that's absolutely fine. And as soon as I get it, I'll look at that for you. I'll do the\n\nChannel 1: Yep.\n\nChannel 0: math. I'll work out what I'll just double check that you have the whole available for this last financial year. And if that's what if you have that available, are you happy to claim the whole amount that you've got there? So we've\n\nChannel 1: Yeah.\n\nChannel 0: essentially\n\nChannel 1: Definitely.\n\nChannel 0: got $3,787.01 to claim.\n\nChannel 1: Perfect. Perfect.\n\nChannel 0: Beautiful. Alright. I've sent that one to you. And I've just got the confirmation that you signed the documents, so thank you for that.\n\nChannel 1: Oh,\n\nChannel 0: Really\n\nChannel 1: awesome.\n\nChannel 0: appreciate\n\nChannel 1: No.\n\nChannel 0: it.\n\nChannel 1: Thank you. Great\n\nChannel 0: All\n\nChannel 1: work.\n\nChannel 0: good. I really enjoy this. I wanna make sure things work harder for you. And, look, advice doesn't stop at retirement. You could have a whole another lifetime in retirement.\n\nWe'll keep updating and\n\nChannel 1: Yeah.\n\nChannel 0: making sure it all lasts for you in those retirement years as well. Okay?\n\nChannel 1: And that's what Kevin and I want.\n\nChannel 0: Beautiful. That's what I do. I'm very much the retirement person with us. So happy to\n\nChannel 1: Good.\n\nChannel 0: help you\n\nChannel 1: Love\n\nChannel 0: along\n\nChannel 1: it.\n\nChannel 0: and make sure we get to that point and that you enjoy your retirement years and spend as much time with your grandkids as possible.\n\nChannel 1: Fantastic. Love it, Diana. Thank you very much. Appreciate it.\n\nChannel 0: My pleasure. I'll let you go. When that email comes, if you send those back to me, I'll reply back straight away so you know that I've got it, and we'll get that sorted for you today. Easy.\n\nChannel 1: That's great. Great. Thank you very much. Great chat. And, yeah, it's it's quite overwhelming all the information, but I'll\n\nChannel 0: Absolutely.\n\nChannel 1: have looked through that that email as well and,\n\nChannel 0: Yep.\n\nChannel 1: yeah, and just kind of get it in my right in my head. But, yeah,\n\nChannel 0: Absolutely.\n\nChannel 1: thanks for all the work that you've done. Appreciate\n\nChannel 0: Not\n\nChannel 1: it.\n\nChannel 0: a problem. If any questions come out of it, let me know. If you have trouble reaccessing it, let me know. We can always resend it back to you as well. Okay?\n\nChannel 1: Nice one. Alright. Thanks, David. I really appreciate that. Have\n\nChannel 0: Thanks.\n\nChannel 1: a great afternoon.\n\nChannel 0: The you too. Thanks so much, Shane. Talk to you soon.\n\nChannel 1: No worries.\n\nChannel 0: See you later.\n\nChannel 1: Take take\n\nChannel 0: Bye.\n\nChannel 1: care. Bye bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.04,"end":1.52,"sentiment":"neutral","sentiment_score":0.02776726335287094},{"text":"Shane speaking.","start":1.52,"end":2.34,"sentiment":"neutral","sentiment_score":0.02686910890042782}],"sentiment":"neutral","sentiment_score":0.02716849371790886,"channel":1,"num_words":3,"start":1.04,"end":2.34},{"sentences":[{"text":"Hi, Shane.","start":2.8799999,"end":3.4399998,"sentiment":"neutral","sentiment_score":0.16381792724132538},{"text":"It's Shane of Smoky Financial.","start":3.4399998,"end":4.98,"sentiment":"neutral","sentiment_score":0.17817981243133546},{"text":"How are you this morning?","start":5.04,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.2954173505306244}],"sentiment":"neutral","sentiment_score":0.22463513910770416,"channel":0,"num_words":12,"start":2.8799999,"end":6.2599998},{"sentences":[{"text":"I'm 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you.","start":932.09503,"end":938.255,"sentiment":"positive","sentiment_score":0.37660669287045795},{"text":"Okay?","start":938.255,"end":938.755,"sentiment":"neutral","sentiment_score":0.2511526346206665}],"sentiment":"positive","sentiment_score":0.37090423567728564,"channel":0,"num_words":22,"start":932.09503,"end":938.755},{"sentences":[{"text":"Cool.","start":939.075,"end":939.475,"sentiment":"positive","sentiment_score":0.518151581287384},{"text":"Fantastic.","start":939.475,"end":939.975,"sentiment":"positive","sentiment_score":0.5685668587684631}],"sentiment":"positive","sentiment_score":0.5433592200279236,"channel":1,"num_words":2,"start":939.075,"end":939.975},{"sentences":[{"text":"Yeah.","start":940.735,"end":941.235,"sentiment":"neutral","sentiment_score":0.17300358414649963},{"text":"With Vanguard All World ex US investment there, that's essentially giving you exposure to the entire globe.","start":941.295,"end":948.62,"sentiment":"neutral","sentiment_score":0.10609311259844724},{"text":"They're giving you more diversification, which overall helps to reduce the risk of your portfolio.","start":948.62,"end":952.95996,"sentiment":"positive","sentiment_score":0.3502476672331492},{"text":"It is ex US, so not including The US, and that's because you've got the S and P 500 exposure above this.","start":953.89996,"end":960.195,"sentiment":"neutral","sentiment_score":0.03476564387198199},{"text":"Don't wanna have too much exposure into The US.","start":960.195,"end":962.775,"sentiment":"neutral","sentiment_score":-0.03664566804137495}],"sentiment":"neutral","sentiment_score":0.11977085405669641,"channel":0,"num_words":64,"start":940.735,"end":962.775},{"sentences":[{"text":"Yes.","start":962.9,"end":963.4,"sentiment":"neutral","sentiment_score":0.28230664134025574}],"sentiment":"neutral","sentiment_score":0.28230664134025574,"channel":1,"num_words":1,"start":962.9,"end":963.4},{"sentences":[{"text":"But that's a really good low risk investment.","start":963.155,"end":965.655,"sentiment":"positive","sentiment_score":0.5858659632503986},{"text":"It's a really good diversified investment as well, and it's low costing because it's Vanguard.","start":966.115,"end":970.915,"sentiment":"positive","sentiment_score":0.7139251073201497},{"text":"It tracks essentially the all world index, so it's fantastic.","start":970.915,"end":974.215,"sentiment":"positive","sentiment_score":0.7102839291095734}],"sentiment":"positive","sentiment_score":0.6817770789970051,"channel":0,"num_words":33,"start":963.155,"end":974.215},{"sentences":[{"text":"Perfect.","start":975.885,"end":976.385,"sentiment":"positive","sentiment_score":0.7221616506576538}],"sentiment":"positive","sentiment_score":0.7221616506576538,"channel":1,"num_words":1,"start":975.885,"end":976.385},{"sentences":[{"text":"And then because we are removing the Australian exposure out of the banner long and the beta shares, Rafi, we're gonna put you into the a 200.","start":976.13995,"end":985.66,"sentiment":"neutral","sentiment_score":0.1657643014634097},{"text":"This is giving you exposure to the top 200 companies on the ASX.","start":985.66,"end":989.6,"sentiment":"neutral","sentiment_score":0.22810174524784088},{"text":"So it's actually by removing the banner long, it's actually giving you more diversification.","start":990.215,"end":994.155,"sentiment":"neutral","sentiment_score":0.26322254857846666},{"text":"It's still giving you a great exposure into the market.","start":995.015,"end":998.135,"sentiment":"positive","sentiment_score":0.49581933617591856},{"text":"We're gonna hold about 20% of your portfolio, and it's actually lower cost as well.","start":998.135,"end":1002.455,"sentiment":"positive","sentiment_score":0.37059056957562764}],"sentiment":"neutral","sentiment_score":0.27396362548387504,"channel":0,"num_words":79,"start":976.13995,"end":1002.455},{"sentences":[{"text":"So it's healthy to save fees, investment fees in your portfolio, which is really important.","start":1002.455,"end":1007.72003,"sentiment":"neutral","sentiment_score":0.2694530079762141},{"text":"But that's essentially","start":1007.86005,"end":1008.84,"sentiment":"neutral","sentiment_score":0.2098350723584493}],"sentiment":"neutral","sentiment_score":0.2595166853732533,"channel":0,"num_words":18,"start":1002.455,"end":1008.84},{"sentences":[{"text":"Perfect.","start":1008.475,"end":1008.975,"sentiment":"positive","sentiment_score":0.342462420463562}],"sentiment":"positive","sentiment_score":0.342462420463562,"channel":1,"num_words":1,"start":1008.475,"end":1008.975},{"sentences":[{"text":"the changes that I wanna make to your portfolio for you.","start":1008.9,"end":1012.04004,"sentiment":"neutral","sentiment_score":0.24719445678320798}],"sentiment":"neutral","sentiment_score":0.24719445678320798,"channel":0,"num_words":11,"start":1008.9,"end":1012.04004},{"sentences":[{"text":"Yeah.","start":1012.23004,"end":1012.47003,"sentiment":"neutral","sentiment_score":0.10205376148223876},{"text":"That's right.","start":1012.47003,"end":1013.03,"sentiment":"neutral","sentiment_score":0.10246031731367111},{"text":"No.","start":1013.03,"end":1013.27,"sentiment":"neutral","sentiment_score":0.06853587925434113},{"text":"Thank you.","start":1013.27,"end":1014.01,"sentiment":"neutral","sentiment_score":0.14952844381332397},{"text":"That's","start":1014.23004,"end":1014.55,"sentiment":"neutral","sentiment_score":0.1118546649813652}],"sentiment":"neutral","sentiment_score":0.11234597542456218,"channel":1,"num_words":7,"start":1012.23004,"end":1014.55},{"sentences":[{"text":"That's","start":1014.34,"end":1014.74005,"sentiment":"neutral","sentiment_score":0.30085885524749756}],"sentiment":"neutral","sentiment_score":0.30085885524749756,"channel":0,"num_words":1,"start":1014.34,"end":1014.74005},{"sentences":[{"text":"good.","start":1014.55,"end":1014.87,"sentiment":"neutral","sentiment_score":0.31223636865615845}],"sentiment":"neutral","sentiment_score":0.31223636865615845,"channel":1,"num_words":1,"start":1014.55,"end":1014.87},{"sentences":[{"text":"okay.","start":1014.74005,"end":1015.24005,"sentiment":"neutral","sentiment_score":0.13416408002376556}],"sentiment":"neutral","sentiment_score":0.13416408002376556,"channel":0,"num_words":1,"start":1014.74005,"end":1015.24005},{"sentences":[{"text":"And and see have you get in front of me as well?","start":1014.87,"end":1016.95,"sentiment":"neutral","sentiment_score":0.05230915453284979},{"text":"I'm trying to say that to you.","start":1016.95,"end":1018.57,"sentiment":"neutral","sentiment_score":0.03106695706290858}],"sentiment":"neutral","sentiment_score":0.04448308178076619,"channel":1,"num_words":19,"start":1014.87,"end":1018.57},{"sentences":[{"text":"Yeah.","start":1018.61505,"end":1019.11505,"sentiment":"neutral","sentiment_score":0.046937376260757446},{"text":"Essentially, with your cash account, we only ever wanna hold 1.5% cash within the cash account in the super fund.","start":1020.695,"end":1027.8151,"sentiment":"neutral","sentiment_score":0.05759083647280931},{"text":"You do have about 1.6 at the moment, so we're gonna take some of that cash and reinvest it.","start":1027.8151,"end":1033.39,"sentiment":"neutral","sentiment_score":0.07996361996782453},{"text":"Our money","start":1033.39,"end":1034.03,"sentiment":"neutral","sentiment_score":0.09312053397297859}],"sentiment":"neutral","sentiment_score":0.06915009412027541,"channel":0,"num_words":42,"start":1018.61505,"end":1034.03},{"sentences":[{"text":"Yep.","start":1033.695,"end":1034.195,"sentiment":"neutral","sentiment_score":0.10448025166988371}],"sentiment":"neutral","sentiment_score":0.10448025166988371,"channel":1,"num_words":1,"start":1033.695,"end":1034.195},{"sentences":[{"text":"was part of being invested rather than sitting in cash.","start":1034.03,"end":1036.99,"sentiment":"neutral","sentiment_score":0.09302321001887322},{"text":"So we'll just make sure that that cash account is reduced to the minimum it needs to be.","start":1036.99,"end":1041.17,"sentiment":"neutral","sentiment_score":0.10956377122137281}],"sentiment":"neutral","sentiment_score":0.10365642793476582,"channel":0,"num_words":28,"start":1034.03,"end":1041.17},{"sentences":[{"text":"Yep.","start":1041.7599,"end":1042.2599,"sentiment":"neutral","sentiment_score":0.031085338443517685}],"sentiment":"neutral","sentiment_score":0.031085338443517685,"channel":1,"num_words":1,"start":1041.7599,"end":1042.2599},{"sentences":[{"text":"If you scroll down for me sorry.","start":1042.83,"end":1045.41,"sentiment":"neutral","sentiment_score":-0.002192742191255093},{"text":"Just 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going through really","start":1046.35,"end":1048.05,"sentiment":"neutral","sentiment_score":-0.0007505879426995913}],"sentiment":"neutral","sentiment_score":-0.0007505879426995913,"channel":0,"num_words":6,"start":1046.35,"end":1048.05},{"sentences":[{"text":"19.","start":1048.24,"end":1048.74,"sentiment":"neutral","sentiment_score":0.007138660177588463}],"sentiment":"neutral","sentiment_score":0.007138660177588463,"channel":1,"num_words":1,"start":1048.24,"end":1048.74},{"sentences":[{"text":"To page number 23.","start":1049.825,"end":1051.5249,"sentiment":"neutral","sentiment_score":0.004122233367525041}],"sentiment":"neutral","sentiment_score":0.004122233367525041,"channel":0,"num_words":4,"start":1049.825,"end":1051.5249},{"sentences":[{"text":"20","start":1051.7599,"end":1052.1599,"sentiment":"neutral","sentiment_score":0.00582467345520854}],"sentiment":"neutral","sentiment_score":0.00582467345520854,"channel":1,"num_words":1,"start":1051.7599,"end":1052.1599},{"sentences":[{"text":"Yeah.","start":1051.9049,"end":1052.3049,"sentiment":"neutral","sentiment_score":0.009173121303319933}],"sentiment":"neutral","sentiment_score":0.009173121303319933,"channel":0,"num_words":1,"start":1051.9049,"end":1052.3049},{"sentences":[{"text":"three.","start":1052.1599,"end":1052.3999,"sentiment":"neutral","sentiment_score":0.007718596141785383}],"sentiment":"neutral","sentiment_score":0.007718596141785383,"channel":1,"num_words":1,"start":1052.1599,"end":1052.3999},{"sentences":[{"text":"Page","start":1052.3049,"end":1052.625,"sentiment":"neutral","sentiment_score":0.014611929655075072}],"sentiment":"neutral","sentiment_score":0.014611929655075072,"channel":0,"num_words":1,"start":1052.3049,"end":1052.625},{"sentences":[{"text":"Yep.","start":1052.3999,"end":1052.8999,"sentiment":"neutral","sentiment_score":0.02012898400425911}],"sentiment":"neutral","sentiment_score":0.02012898400425911,"channel":1,"num_words":1,"start":1052.3999,"end":1052.8999},{"sentences":[{"text":"number 23.","start":1052.625,"end":1053.6649,"sentiment":"neutral","sentiment_score":0.016654648818075657},{"text":"Yep.","start":1053.6649,"end":1054.1649,"sentiment":"neutral","sentiment_score":0.0425245575606823},{"text":"This got the fee comparison table for you.","start":1055.2649,"end":1058.085,"sentiment":"neutral","sentiment_score":0.10707986541092396},{"text":"Beautiful.","start":1060.065,"end":1060.565,"sentiment":"neutral","sentiment_score":0.05695359036326408},{"text":"Now the other part of the recommendation, essentially, is that you are currently salary sacrificing.","start":1061.55,"end":1066.93,"sentiment":"neutral","sentiment_score":-0.08876212164759636}],"sentiment":"neutral","sentiment_score":-0.012666868735794668,"channel":0,"num_words":27,"start":1052.625,"end":1066.93},{"sentences":[{"text":"It's about a $164 on a a weekly basis in the super.","start":1067.15,"end":1072.3701,"sentiment":"neutral","sentiment_score":-0.05787102412432432}],"sentiment":"neutral","sentiment_score":-0.05787102412432432,"channel":0,"num_words":12,"start":1067.15,"end":1072.3701},{"sentences":[{"text":"Yep.","start":1073.0,"end":1073.5,"sentiment":"neutral","sentiment_score":0.2254677265882492}],"sentiment":"neutral","sentiment_score":0.2254677265882492,"channel":1,"num_words":1,"start":1073.0,"end":1073.5},{"sentences":[{"text":"I did sort of have a look at the projected outcome, and I'm recommending that you just increase that salary sacrifice a little bit more.","start":1073.0701,"end":1079.155,"sentiment":"neutral","sentiment_score":0.1462784641981125},{"text":"So adding it to $36 per week will bring your salary sacrifice up to about $200 per week.","start":1079.155,"end":1085.395,"sentiment":"neutral","sentiment_score":0.25605204535855186},{"text":"So if","start":1085.395,"end":1086.115,"sentiment":"neutral","sentiment_score":0.21497993916273117}],"sentiment":"neutral","sentiment_score":0.19324129554960462,"channel":0,"num_words":45,"start":1073.0701,"end":1086.115},{"sentences":[{"text":"Okay.","start":1086.015,"end":1086.515,"sentiment":"positive","sentiment_score":0.4009338915348053}],"sentiment":"positive","sentiment_score":0.4009338915348053,"channel":1,"num_words":1,"start":1086.015,"end":1086.515},{"sentences":[{"text":"you guys can afford that, just increasing your salary sacrifice each week will also provide benefit.","start":1086.115,"end":1091.75,"sentiment":"positive","sentiment_score":0.5845742896199226},{"text":"It means that more money will be going into your space.","start":1092.0499,"end":1094.45,"sentiment":"positive","sentiment_score":0.7053695917129517},{"text":"So being invested in the portfolio to help grow that over the next couple of years for you as 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that","start":1110.3351,"end":1111.055,"sentiment":"neutral","sentiment_score":0.16156019568443297}],"sentiment":"neutral","sentiment_score":0.1817752718925476,"channel":1,"num_words":8,"start":1108.46,"end":1111.055},{"sentences":[{"text":"Yep.","start":1110.975,"end":1111.475,"sentiment":"neutral","sentiment_score":0.19432306289672852}],"sentiment":"neutral","sentiment_score":0.19432306289672852,"channel":0,"num_words":1,"start":1110.975,"end":1111.475},{"sentences":[{"text":"I'm gonna be just doing a regular seven hours thirty six with no penalties, no nothing like that, I'll I'll decrease my my my salary sacrifice.","start":1111.055,"end":1120.435,"sentiment":"neutral","sentiment_score":0.21911317797807547},{"text":"So does 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in","start":1386.855,"end":1387.255,"sentiment":"neutral","sentiment_score":0.04303113743662834}],"sentiment":"neutral","sentiment_score":0.1495429528877139,"channel":0,"num_words":8,"start":1385.1749,"end":1387.255},{"sentences":[{"text":"Yeah.","start":1387.1901,"end":1387.59,"sentiment":"neutral","sentiment_score":0.07357889413833618}],"sentiment":"neutral","sentiment_score":0.07357889413833618,"channel":1,"num_words":1,"start":1387.1901,"end":1387.59},{"sentences":[{"text":"order to","start":1387.255,"end":1387.6549,"sentiment":"neutral","sentiment_score":0.07955001294612885}],"sentiment":"neutral","sentiment_score":0.07955001294612885,"channel":0,"num_words":2,"start":1387.255,"end":1387.6549},{"sentences":[{"text":"Cool.","start":1387.59,"end":1388.09,"sentiment":"neutral","sentiment_score":0.1906050741672516}],"sentiment":"neutral","sentiment_score":0.1906050741672516,"channel":1,"num_words":1,"start":1387.59,"end":1388.09},{"sentences":[{"text":"have that happen, we just have to claim a notice of intent.","start":1387.6549,"end":1390.715,"sentiment":"neutral","sentiment_score":0.08324770691494147},{"text":"The only issue I have with doing that full amount is that your contributions for the last financial year actually totaled 29,707 and 63¢.","start":1391.095,"end":1403.9199,"sentiment":"neutral","sentiment_score":-0.1368973749163358},{"text":"So you were","start":1404.14,"end":1404.7,"sentiment":"neutral","sentiment_score":0.06420871118704478}],"sentiment":"neutral","sentiment_score":-0.05150107911934978,"channel":0,"num_words":39,"start":1387.6549,"end":1404.7},{"sentences":[{"text":"Yes.","start":1404.5149,"end":1405.0149,"sentiment":"neutral","sentiment_score":-0.0007048249244689941}],"sentiment":"neutral","sentiment_score":-0.0007048249244689941,"channel":1,"num_words":1,"start":1404.5149,"end":1405.0149},{"sentences":[{"text":"actually very close to the cap at the 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do really quickly is if after the call, are you able, at some point, say, able to get into your myGov account at all and get your","start":1408.7,"end":1417.975,"sentiment":"neutral","sentiment_score":0.12065815180540085}],"sentiment":"neutral","sentiment_score":0.12065815180540085,"channel":0,"num_words":34,"start":1408.7,"end":1417.975},{"sentences":[{"text":"Yes, please.","start":1417.78,"end":1418.52,"sentiment":"neutral","sentiment_score":0.18726228922605515}],"sentiment":"neutral","sentiment_score":0.18726228922605515,"channel":1,"num_words":2,"start":1417.78,"end":1418.52},{"sentences":[{"text":"yep.","start":1418.135,"end":1418.635,"sentiment":"neutral","sentiment_score":0.09782884269952774},{"text":"Because of your balance and your age, we can look to utilize carry forward contributions, so unused employer and sell back from the last five financial years.","start":1419.095,"end":1429.2699,"sentiment":"neutral","sentiment_score":-0.010808959051414772},{"text":"But I just need to see what you have available to you over the past five years to determine how much we can actually claim under that tax deduction.","start":1429.57,"end":1437.83,"sentiment":"neutral","sentiment_score":0.08640930853013334},{"text":"So I'll","start":1438.375,"end":1438.695,"sentiment":"neutral","sentiment_score":0.15920018404722214}],"sentiment":"neutral","sentiment_score":0.04458063158948543,"channel":0,"num_words":59,"start":1418.135,"end":1438.695},{"sentences":[{"text":"Okay.","start":1438.65,"end":1439.15,"sentiment":"neutral","sentiment_score":0.11521412432193756}],"sentiment":"neutral","sentiment_score":0.11521412432193756,"channel":1,"num_words":1,"start":1438.65,"end":1439.15},{"sentences":[{"text":"send you an email after the call with directions on how to get that.","start":1438.695,"end":1442.455,"sentiment":"neutral","sentiment_score":0.12457671176109995},{"text":"Can you grab the email to me?","start":1442.455,"end":1444.5549,"sentiment":"neutral","sentiment_score":0.11424892395734787},{"text":"I can have a look at your availability and look at whether we can claim that full amount for you.","start":1444.775,"end":1449.255,"sentiment":"neutral","sentiment_score":0.24375805258750916},{"text":"Is that okay?","start":1449.255,"end":1450.075,"sentiment":"neutral","sentiment_score":0.3011676073074341}],"sentiment":"neutral","sentiment_score":0.18914727968248454,"channel":0,"num_words":44,"start":1438.695,"end":1450.075},{"sentences":[{"text":"That's fine.","start":1450.365,"end":1451.085,"sentiment":"neutral","sentiment_score":0.24910293146967888},{"text":"That's great.","start":1451.085,"end":1451.725,"sentiment":"positive","sentiment_score":0.8333368301391602},{"text":"Thank 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explained last time, was a growth investor has that eighty twenty split between growth investments to defensive investments there.","start":1507.3301,"end":1515.1101,"sentiment":"neutral","sentiment_score":0.05794966010295827},{"text":"And in your current tab there, you'll see the older investments, whilst your portfolio was a little bit lower than that this year, has averaged about 9.54% on a yearly basis over the past five years, which isn't bad at 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your super fund.","start":1556.0751,"end":1559.91,"sentiment":"neutral","sentiment_score":0.06199263085921605}],"sentiment":"neutral","sentiment_score":-0.043452630675322304,"channel":0,"num_words":37,"start":1551.1951,"end":1559.91},{"sentences":[{"text":"Yep.","start":1560.1901,"end":1560.6901,"sentiment":"neutral","sentiment_score":0.1631084680557251}],"sentiment":"neutral","sentiment_score":0.1631084680557251,"channel":1,"num_words":1,"start":1560.1901,"end":1560.6901},{"sentences":[{"text":"The CGT is something super does account for.","start":1560.39,"end":1563.93,"sentiment":"neutral","sentiment_score":0.13248648401349783},{"text":"To make the switch on the investment, it's essentially worked out that the CGT is expected to be 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definitely it.","start":1581.7001,"end":1582.5,"sentiment":"positive","sentiment_score":0.3695520559946696},{"text":"That's cool.","start":1582.5,"end":1583.3201,"sentiment":"positive","sentiment_score":0.5979748070240021}],"sentiment":"positive","sentiment_score":0.41642169406016666,"channel":1,"num_words":6,"start":1581.3,"end":1583.3201},{"sentences":[{"text":"Easy.","start":1583.895,"end":1584.395,"sentiment":"positive","sentiment_score":0.4788207411766052},{"text":"But the positive to it is, as I mentioned, the new investors are cheaper.","start":1584.615,"end":1585.895,"sentiment":"positive","sentiment_score":0.5012960689408439},{"text":"So the cheaper.","start":1585.895,"end":1588.56,"sentiment":"positive","sentiment_score":0.44876429438591003},{"text":"So the investment fee is actually expected to save you $755 for the first year.","start":1588.7001,"end":1594.06,"sentiment":"positive","sentiment_score":0.4784191846847534},{"text":"So it's a cheaper portfolio and means more 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okay.","start":1603.3551,"end":1605.375,"sentiment":"neutral","sentiment_score":0.1892376740773519},{"text":"Essentially, I kinda mentioned I did do a bit of a retirement projection for you, and that's sitting on page number 25.","start":1605.5951,"end":1611.995,"sentiment":"neutral","sentiment_score":0.13201407715678215},{"text":"So it's looking at if you were able to, you know, get your super up as high.","start":1611.995,"end":1616.5,"sentiment":"neutral","sentiment_score":0.19104171588140376},{"text":"I use a much more conservative rate return.","start":1616.5,"end":1619.14,"sentiment":"neutral","sentiment_score":0.14434435404837132},{"text":"So when I'm doing the projection table above with the fees, we utilize the 11.7 and project that 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isn't it?","start":1678.1001,"end":1679.88,"sentiment":"neutral","sentiment_score":0.03511573523283005}],"sentiment":"neutral","sentiment_score":0.03511573523283005,"channel":0,"num_words":5,"start":1678.1001,"end":1679.88},{"sentences":[{"text":"Oh, a rollercoaster.","start":1679.665,"end":1680.405,"sentiment":"neutral","sentiment_score":0.12796188642581305},{"text":"I know you guys do it.","start":1680.625,"end":1681.905,"sentiment":"neutral","sentiment_score":0.24960498015085855},{"text":"Seriously.","start":1681.905,"end":1682.405,"sentiment":"neutral","sentiment_score":0.21063220500946045}],"sentiment":"neutral","sentiment_score":0.2092147745192051,"channel":1,"num_words":10,"start":1679.665,"end":1682.405},{"sentences":[{"text":"Look.","start":1682.9,"end":1683.38,"sentiment":"positive","sentiment_score":0.37783282995224},{"text":"I honestly really enjoy it, and I think the one thing I like to point out to people is that we all you know, we see things that are red and negative 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yeah,","start":2464.33,"end":2465.05,"sentiment":"neutral","sentiment_score":0.11351482197642326}],"sentiment":"neutral","sentiment_score":0.09596544876694679,"channel":1,"num_words":15,"start":2460.97,"end":2465.05},{"sentences":[{"text":"Absolutely.","start":2464.98,"end":2465.48,"sentiment":"positive","sentiment_score":0.4890649318695069}],"sentiment":"positive","sentiment_score":0.4890649318695069,"channel":0,"num_words":1,"start":2464.98,"end":2465.48},{"sentences":[{"text":"thanks for all the work that you've 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know.","start":2467.86,"end":2469.86,"sentiment":"neutral","sentiment_score":0.04284827373921871},{"text":"If you have trouble reaccessing it, let me know.","start":2469.86,"end":2471.9402,"sentiment":"neutral","sentiment_score":-0.009557144923342599},{"text":"We can always resend it back to you as well.","start":2471.9402,"end":2474.1802,"sentiment":"neutral","sentiment_score":0.17260672450065612},{"text":"Okay?","start":2474.1802,"end":2474.6802,"sentiment":"neutral","sentiment_score":0.18451468646526337}],"sentiment":"neutral","sentiment_score":0.07529975986108184,"channel":0,"num_words":32,"start":2467.3,"end":2474.6802},{"sentences":[{"text":"Nice one.","start":2474.6948,"end":2475.1748,"sentiment":"positive","sentiment_score":0.6896724998950958},{"text":"Alright.","start":2475.1748,"end":2475.4148,"sentiment":"positive","sentiment_score":0.47281432151794434},{"text":"Thanks, David.","start":2475.4148,"end":2475.9749,"sentiment":"positive","sentiment_score":0.7466251254081726},{"text":"I really appreciate that.","start":2475.9749,"end":2476.855,"sentiment":"positive","sentiment_score":0.8169830292463303},{"text":"Have","start":2476.855,"end":2477.015,"sentiment":"positive","sentiment_score":0.6660998463630676}],"sentiment":"positive","sentiment_score":0.727944153547287,"channel":1,"num_words":10,"start":2474.6948,"end":2477.015},{"sentences":[{"text":"Thanks.","start":2476.953,"end":2477.453,"sentiment":"positive","sentiment_score":0.696999192237854}],"sentiment":"positive","sentiment_score":0.696999192237854,"channel":0,"num_words":1,"start":2476.953,"end":2477.453},{"sentences":[{"text":"a great afternoon.","start":2477.015,"end":2477.835,"sentiment":"positive","sentiment_score":0.773203452428182}],"sentiment":"positive","sentiment_score":0.773203452428182,"channel":1,"num_words":3,"start":2477.015,"end":2477.835},{"sentences":[{"text":"The you too.","start":2477.513,"end":2478.873,"sentiment":"positive","sentiment_score":0.627447267373403},{"text":"Thanks so much, Shane.","start":2478.873,"end":2479.833,"sentiment":"positive","sentiment_score":0.7835867702960968},{"text":"Talk to you soon.","start":2479.833,"end":2480.633,"sentiment":"positive","sentiment_score":0.560577929019928}],"sentiment":"positive","sentiment_score":0.6599091453985735,"channel":0,"num_words":11,"start":2477.513,"end":2480.633},{"sentences":[{"text":"No worries.","start":2480.295,"end":2481.035,"sentiment":"neutral","sentiment_score":0.2682938352227211}],"sentiment":"neutral","sentiment_score":0.2682938352227211,"channel":1,"num_words":2,"start":2480.295,"end":2481.035},{"sentences":[{"text":"See you later.","start":2480.633,"end":2481.453,"sentiment":"positive","sentiment_score":0.37435569365819293}],"sentiment":"positive","sentiment_score":0.37435569365819293,"channel":0,"num_words":3,"start":2480.633,"end":2481.453},{"sentences":[{"text":"Take take","start":2481.1748,"end":2481.815,"sentiment":"neutral","sentiment_score":0.2609817534685135}],"sentiment":"neutral","sentiment_score":0.2609817534685135,"channel":1,"num_words":2,"start":2481.1748,"end":2481.815},{"sentences":[{"text":"Bye.","start":2481.6729,"end":2482.1729,"sentiment":"neutral","sentiment_score":0.23895156383514404}],"sentiment":"neutral","sentiment_score":0.23895156383514404,"channel":0,"num_words":1,"start":2481.6729,"end":2482.1729},{"sentences":[{"text":"care.","start":2481.815,"end":2482.2148,"sentiment":"neutral","sentiment_score":0.20346187055110931},{"text":"Bye bye.","start":2482.2148,"end":2482.875,"sentiment":"neutral","sentiment_score":0.015768881887197495}],"sentiment":"neutral","sentiment_score":0.07833321144183476,"channel":1,"num_words":3,"start":2481.815,"end":2482.875}]},"summary":{"result":"success","short":"A representative from Smoky Financial called Shane to discuss their updated advice document, which is valid for six days. They also discussed adjusting the customer's financial portfolio and retirement projections, asset and liabilities, reducing fees and increasing exposure to the core composite bonds, and maintaining a low risk level. The speaker recommends selling off battery and lithium tech investments and holding onto them for a few months. They also discussed tax deduction fees and the importance of staying ahead of retirement. The conversation ended with guidance on accessing and accessing financial information for carry-forward or unused flight contributions and staying ahead of retirement."},"intents":{"segments":[{"text":"So, basically, last time we called up, we had a bit of an admin review. I went back and looked at doing some advice for you to sort of look at what we might need to change and update the advice to sort of keep you on track for your retirement goals there. Perfect. So Perfect.","start_word":211,"end_word":266,"intents":[{"intent":"Educate on retirement goals","confidence_score":0.00038902616}]},{"text":"So I I don't know how I've been, you know, hacked or something like that, but it's kind of just all these Sorry.","start_word":379,"end_word":401,"intents":[{"intent":"Request technical assistance","confidence_score":0.23316136}]},{"text":"So your goal with regard to super in retirement was that you're hoping to retire at about age 65, and income Correct. in retirement was about $600 per week currently. Is that still fairly accurate? Yes.","start_word":1010,"end_word":1045,"intents":[{"intent":"Refine retirement income","confidence_score":0.025697751}]},{"text":"Essentially, we wanted to also look at where you were tracking for, so actually have a look at the retirement projection. It is limited, so it's in because I don't do a full retirement advice document until you are actually ready to retire, and we Yeah.","start_word":1233,"end_word":1278,"intents":[{"intent":"Discuss retirement projection","confidence_score":0.13894995}]},{"text":"If you did need any assistance in the area, we do provide financial advice around those, but I'll just scope that out of this document for the time being for you. We'll focus on super for this moment for you. Okay? Yes.","start_word":1426,"end_word":1467,"intents":[{"intent":"Assist with financial advice","confidence_score":0.023201805},{"intent":"Provide financial advice","confidence_score":0.0037854735}]},{"text":"As you are going through the document, we do have assets and liabilities noted down as per your last conversation with us. If if they have changed, that is okay. It is normal and expected. But if there is anything else you are reading it later on you want me to update in the back end, just let me know. I'm more than happy to make any changes that you need. Okay? Cool.","start_word":1472,"end_word":1544,"intents":[{"intent":"Update backend","confidence_score":0.15027837}]},{"text":"This is So for if you James just press Taylor. on the sign and go through to the next page, it should let you scroll through that document there. Excellent.","start_word":1565,"end_word":1594,"intents":[{"intent":"Scroll through document","confidence_score":0.6235649}]},{"text":"Now I did go back and review Hub twenty four as a super platform as well, and I am recommending Yeah.","start_word":1722,"end_word":1742,"intents":[{"intent":"Review hub twenty four as a platform","confidence_score":0.045646157}]},{"text":"So we are going to sell off all the battery and lithium tech. It has done really well.","start_word":1822,"end_word":1839,"intents":[{"intent":"Sell assets","confidence_score":0.23413326}]},{"text":"And we need to make sure we have enough of those in your portfolio. So we're gonna increase your exposure in the core composite bonds to account for removing the bank hybrid and bring you up to about 14% there. Okay? Perfect.","start_word":2350,"end_word":2391,"intents":[{"intent":"Analyze portfolio requirements","confidence_score":0.000086330416}]},{"text":"We also wanna look at reducing your risk level in your portfolio because you are closer to retirement as well.","start_word":2568,"end_word":2587,"intents":[{"intent":"Reduce risk level","confidence_score":0.20099941}]},{"text":"Because they're getting rid of the Venelong Equities, I'm also removing the BetaShares RAPI 200, and we're gonna move that exposure into something else for you.","start_word":2664,"end_word":2689,"intents":[{"intent":"Move exposure","confidence_score":0.31816995}]},{"text":"It's also giving you more diversification because it's spreading your risk level across more countries.","start_word":2756,"end_word":2770,"intents":[{"intent":"Provide diversification","confidence_score":0.2683584}]},{"text":"wanting to put some more money into the Japanese economy and just having about 5% of your portfolio there for you. Okay? Cool. Fantastic.","start_word":2882,"end_word":2905,"intents":[{"intent":"Put money in japan","confidence_score":0.16354299}]},{"text":"With Vanguard All World ex US investment there, that's essentially giving you exposure to the entire globe. They're giving you more diversification, which overall helps to reduce the risk of your portfolio.","start_word":2908,"end_word":2939,"intents":[{"intent":"Promote portfolio diversification","confidence_score":0.043671373}]},{"text":"Now the other part of the recommendation, essentially, is that you are currently salary sacrificing. It's about a $164 on a a weekly basis in the super.","start_word":3256,"end_word":3282,"intents":[{"intent":"Describe salary sacrifice preference","confidence_score":0.0002320762},{"intent":"Clarify salary sacrifice","confidence_score":0.00041300897},{"intent":"Describe salary sacrifice preference","confidence_score":0.0022274242}]},{"text":"Now the other part of the recommendation, essentially, is that you are currently salary sacrificing. It's about a $164 on a a weekly basis in the super. Yep.","start_word":3256,"end_word":3283,"intents":[{"intent":"Discuss increased salary sacrifice recommendation","confidence_score":0.00009100175},{"intent":"Acknowledge benefits of increasing salary sacrifice","confidence_score":0.000017771134},{"intent":"Explain benefits of higher salary sacrifice","confidence_score":0.0021097523},{"intent":"Discuss salary sacrifice increase","confidence_score":0.2229907},{"intent":"Recommend salary sacrifice increase","confidence_score":0.07486686},{"intent":"Recommend salary increase","confidence_score":0.000080419464},{"intent":"Discuss salary sacrifice increase","confidence_score":0.108163945}]},{"text":"I did sort of have a look at the projected outcome, and I'm recommending that you just increase that salary sacrifice a little bit more. So adding it to $36 per week will bring your salary sacrifice up to about $200 per week. So if Okay.","start_word":3283,"end_word":3328,"intents":[{"intent":"Recommend gradual increase","confidence_score":0.000094335184},{"intent":"Assert gradual increase","confidence_score":0.0000018608662}]},{"text":"go straight into is that what you're talking about in my my thorough sacrificing? Is that what you're Yeah.","start_word":3437,"end_word":3455,"intents":[{"intent":"Confirm understanding","confidence_score":0.01751895}]},{"text":"So that's where the employer takes that money out of your income pretax, and they just put deposit that straight into your super fund the same as your employer contribution. Yeah.","start_word":3456,"end_word":3486,"intents":[{"intent":"Emphasize employer contribution benefits","confidence_score":0.00002539184}]},{"text":"And instead of having lump sum once every couple of months, we'll have regular contributions, which is gonna provide Yeah.","start_word":3573,"end_word":3592,"intents":[{"intent":"Confirm regular contributions","confidence_score":0.0029585834},{"intent":"Consider regular contributions","confidence_score":0.00027570303}]},{"text":"And then and then I increase it to, say, it'll be 500 a fortnight if I have if I'm Yep. gonna do overtime and pen and penalties. So I was looking at it kind of thinking that I was putting in around about that 700 or 800 a fortnight anyway. Is that so Yeah.","start_word":3628,"end_word":3681,"intents":[{"intent":"Increase contributions","confidence_score":0.036234573}]},{"text":"extra contributions when you get more money, absolutely. But you could Yeah.","start_word":3751,"end_word":3762,"intents":[{"intent":"Make extra contributions","confidence_score":0.40637922}]},{"text":"We talk about what you have available, the contributions that have gone in, and we can look at whether we make additional contributions and make it more of a tax deduction for you so you get a little bit more of a deduction at the end of the financial year. Okay.","start_word":3901,"end_word":3951,"intents":[{"intent":"Review contributions","confidence_score":0.02205706}]},{"text":"We talk about what you have available, the contributions that have gone in, and we can look at whether we make additional contributions and make it more of a tax deduction for you so you get a little bit more of a deduction at the end of the financial year. Okay. Yeah.","start_word":3901,"end_word":3952,"intents":[{"intent":"Make tax deductions","confidence_score":0.2633115}]},{"text":"So she noted that you'd you'd that you'd made some personal contributions. She was reaching out to find out whether you wanted to claim this as a tax deduction.","start_word":4031,"end_word":4059,"intents":[{"intent":"Assist with tax deduction claims","confidence_score":0.000284587}]},{"text":"We can have a look at what you've got available to you and make that deductible contribution at the end of the finance to a year if you'd like to and look Yeah.","start_word":4440,"end_word":4472,"intents":[{"intent":"Make deductible contribution","confidence_score":0.7033682}]},{"text":"And then look, a tax deduction's not a bad thing. We all pay way too much tax. Yeah.","start_word":4535,"end_word":4552,"intents":[{"intent":"Use tax deduction","confidence_score":0.0047837375}]},{"text":"We switch the investments out a little bit, do a bit of an update of your portfolio there.","start_word":4579,"end_word":4596,"intents":[{"intent":"Update portfolio","confidence_score":0.82395416}]},{"text":"As a bit of a disadvantage, I do have to let you know, I do consider the tax effect on your super.","start_word":4745,"end_word":4766,"intents":[{"intent":"Consider tax impact on super","confidence_score":0.00848771}]},{"text":"So the investment fee is actually expected to save you $755 for the first year. So it's a cheaper portfolio and means more money stays invested in your super for you. Fantastic.","start_word":4872,"end_word":4903,"intents":[{"intent":"Improve portfolio ROI","confidence_score":0.0001314909}]},{"text":"But the idea of having me here as your adviser is that I'm here to talk you through those downtime to keep you invested because the last thing we should be doing is selling out of those downtime.","start_word":5224,"end_word":5261,"intents":[{"intent":"Discuss downtime","confidence_score":0.06347256},{"intent":"Keep invested","confidence_score":0.12252017},{"intent":"Hold on","confidence_score":0.0024397243}]},{"text":"So long as you're not retiring this year or Yes. next year or the year after, it's about taking advantage of that.","start_word":5274,"end_word":5295,"intents":[{"intent":"Benefit from downtime","confidence_score":0.040374883}]},{"text":"thing with market ups and downs is it's all about emotional buying and selling. So when people say investment is going down, they go, oh, no. I have to get out. And that's real that creates a bit of a sell off, and that's where those larger dips come out of. Yeah.","start_word":5366,"end_word":5417,"intents":[{"intent":"Buy and sell","confidence_score":0.019541105}]},{"text":"You're not retiring. Let's buy into that now, and let's wait for it to come out, and then Yes.","start_word":5435,"end_word":5453,"intents":[{"intent":"Wait for market return","confidence_score":0.0015543696}]},{"text":"You just kinda gotta wait. You wait through it, and that's why contributions and salary sacrifice on a weekly basis is really good for you because you're you're putting that money in on a regular basis.","start_word":5475,"end_word":5510,"intents":[{"intent":"Invest regularly","confidence_score":0.009915534}]},{"text":"if you wanted to have a bit of a range of the document, I've got advantages, disadvantages, risks, alternatives that I've considered, and I've also got a best interest duty related back to each of the recommendations Okay. Just so you can kinda see how we relate that back to your goal and why the recommendations and the advice is in your best interest. Okay. Beautiful.","start_word":5706,"end_word":5771,"intents":[{"intent":"Recommend document usage","confidence_score":0.0015326716}]},{"text":"And sign sign all Perfect.","start_word":5907,"end_word":5911,"intents":[{"intent":"Sign document","confidence_score":0.2501136}]},{"text":"Validate. And and you're saying that the myGovs I'll go into that now. Yep.","start_word":6000,"end_word":6013,"intents":[{"intent":"Validate document","confidence_score":0.2798596}]},{"text":"And then services when you get the services option. Services.","start_word":6096,"end_word":6105,"intents":[{"intent":"Access service options","confidence_score":0.0346459},{"intent":"Launch services","confidence_score":0.010004925}]},{"text":"So at the very bottom, you should have home, wallet, inbox, and services. Oh, hang on.","start_word":6140,"end_word":6155,"intents":[{"intent":"Load apps","confidence_score":0.03026738}]},{"text":"Manage. go for information, Yep. and then we go carry forward concessional contribution. Okay.","start_word":6223,"end_word":6236,"intents":[{"intent":"Manage information","confidence_score":0.12263041}]},{"text":"and then we go carry forward concessional contribution. Okay.","start_word":6228,"end_word":6236,"intents":[{"intent":"Carry forward concessions","confidence_score":0.0714632}]},{"text":"We are currently we currently have no Carrie Ford concessional contributions information to display. If you go down further under the financial year, it still should say unused concessional contributions available to carry forward.","start_word":6257,"end_word":6290,"intents":[{"intent":"Display unused concessional contributions","confidence_score":0.013505438}]},{"text":"that's what you want me to do, and I can do that in the system for you and then send you the confirmation of that for the last financial Cool. year.","start_word":6860,"end_word":6890,"intents":[{"intent":"Request request to send confirmation","confidence_score":0.00007926658}]},{"text":"I really enjoy this. I wanna make sure things work harder for you. And, look, advice doesn't stop at retirement. You could have a whole another lifetime in retirement. We'll keep updating and Yeah. making sure it all lasts for you in those retirement years as well. Okay?","start_word":7055,"end_word":7102,"intents":[{"intent":"Resolve retirement concerns","confidence_score":0.009924366}]}]},"sentiments":{"segments":[{"text":"Hello. Shane speaking. Hi, Shane. It's Shane of Smoky Financial. How are you this morning?","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.17057591676712036},{"text":"I'm wonderful. Thank you. And yourself, Diana? I'm very well. Thank you. Thank you for asking. Good.","start_word":15,"end_word":31,"sentiment":"positive","sentiment_score":0.606429934501648},{"text":"I You alright? have you booked have you booked in just to go to your updated advice document. Is now a good time there for you? Yeah. Most definitely. It is. Yeah. My I I I do have today off, but I'm visiting my wife who's looking after her her daughter and family after they've had a baby. So yeah. Oh, And congratulations. she she says yeah.","start_word":32,"end_word":98,"sentiment":"neutral","sentiment_score":0.16033701598644257},{"text":"Thank you.","start_word":99,"end_word":100,"sentiment":"positive","sentiment_score":0.3957861661911011},{"text":"Yeah. It's our second grandson. So yeah. But my wife said, oh, I'm so ready to come home. I mean, it's like just it's just ridiculous. Yeah. You know? It's just looking Yeah. after them and and their other son and just It's a lot. oh. And Yeah. and and and a dog as well because we don't have any cats at home. It's like, oh my god. There's so It's much a lot. it is. It is. Most definitely. No. And All and good. and yeah. But You're right. so it's just a discussion about what I want from my overview services or how it's been going or Yeah. So, basically, last time we called up, we had a bit of an admin review. I went back and looked at doing some advice for you to sort of look at what we might need to change and update the advice to sort of keep you on track for your retirement goals there. Perfect. So Perfect. this this is essentially the advice document showing you. I've done the research. I've got the recommendation here. It was around sort of looking at your super, maybe readjusting the portfolio as well, maybe removing some investments that'll be underperforming a little bit for you. Yep. And then we also talked about salary sacrifice and what you might need to maybe do to increase that to kinda keep you on track to boost the super a bit over the next few years. Yeah.","start_word":101,"end_word":349,"sentiment":"neutral","sentiment_score":0.07384151220321655},{"text":"Perfect. Perfect. Easy.","start_word":350,"end_word":352,"sentiment":"positive","sentiment_score":0.38232922554016113},{"text":"I'll I have sent you an email. Are you able to open that email at all? If you're not, that's absolutely fine. got into this big. So I I don't know how I've been, you know, hacked or something like that, but it's kind of just all these Sorry.","start_word":353,"end_word":401,"sentiment":"neutral","sentiment_score":-0.1547396183013916},{"text":"things have been shutting down. It's like, oh my god.","start_word":402,"end_word":411,"sentiment":"negative","sentiment_score":-0.4479369223117829},{"text":"So so Oh, Shane. when when when you when you oh, there we go. Outlook. So I I re I restarted my phone and then moved all my widgets around. I can't find anything now. So I and everything Oh, I open now, it's got ads. But oh, god. No. It's just no. Oh, no. And you probably just had everything right. Right? You wanted it Oh, today as perfect. well. Yep. Exactly. Exactly. Yeah. And I'm I'm a bit of a luddite when it comes to technology.","start_word":412,"end_word":499,"sentiment":"neutral","sentiment_score":-0.1066739782691002},{"text":"I'm quite useless.","start_word":500,"end_word":502,"sentiment":"negative","sentiment_score":-0.5009176731109619},{"text":"So I'm just No. Honestly, I understand. I am in my forties. I'm 41, but, like, I can do math on the back of my hands. I can do finance Yeah. left, right, and center. But when the phone doesn't work, oh my god. Yep. If the printer won't print, oh my god. I need help quickly. Yep. Yeah. Yeah. I want to check something or or have something that I can hit very very Yep. close by. I'm just checking I'm just checking my inbox. Okay. You're right. I've It'll got come from the Odoo site. It'll say from Dana at Oakview as well or from, I think, sign at Oakview. Yeah. it. Junk. Junk. That's nothing in junk. Okay. Phone is inbox. Nothing yet. Nothing yet. That's okay. The others, yeah, are about sort of five to ten minutes ago. Yeah. That's okay. Did you want me to run you through the recommendations while that sort of does come through? And Yeah.","start_word":503,"end_word":666,"sentiment":"neutral","sentiment_score":-0.054395873099565506},{"text":"if it does That'd be pop great.","start_word":667,"end_word":673,"sentiment":"positive","sentiment_score":0.3579738140106201},{"text":"through, just let me know. I will try to keep it as brief. I don't wanna kinda overcomplicate it for you at all. Yeah. Yeah.","start_word":674,"end_word":698,"sentiment":"neutral","sentiment_score":0.08494175970554352},{"text":"Thank you. I appreciate that.","start_word":699,"end_word":703,"sentiment":"positive","sentiment_score":0.6167668700218201},{"text":"So with the document there, we have stated it as of yesterday's day, which is when we completed it just to keep it valid for you, so our documents statements of advice are valid for six days from the date on the document. So you've got some time to read it over. Let Yeah. me Good. know if you do happen to have any questions at all. Have been prepared for yourself as of July 15. It's almost sorry. Also got my representative number on there as well. So I'm an authorized licensed financial adviser registered with ASIC, and my registration number is 1304394. Now I do also have to sorry. Because we've got chatting. I forgot to mention, we do record our calls moving forward for training and quality purposes, and it also helps Yeah. me Cool. with file noting. Are you happy for me to proceed Yeah. with that? Of course. Yeah. Yeah. Yeah.","start_word":704,"end_word":859,"sentiment":"neutral","sentiment_score":0.129833921790123},{"text":"Fantastic.","start_word":860,"end_word":860,"sentiment":"positive","sentiment_score":0.5799100399017334},{"text":"Now this document has been limited to essentially suit regulation. So when I had a bit of a look at your super after the last sort of call and this last twelve months, your super has still performed very well. Yes. You have Yes.","start_word":861,"end_word":904,"sentiment":"neutral","sentiment_score":0.22997839748859408},{"text":"received net of fees of 8.77% return, so it is really good.","start_word":905,"end_word":916,"sentiment":"positive","sentiment_score":0.39506763219833374},{"text":"However, our conversation last year was you are getting closer to retirement, so you wanted to make sure and maybe readjust the portfolio to there have been some underperforming investments that have held the portfolio back a little bit. So I did wanna look at adjusting things for you, keep you on track, maybe also look at the fees you're paying within the portfolio as well and try to limit those a bit because that takes more money invested for you at the end of day as Yes.","start_word":917,"end_word":1004,"sentiment":"neutral","sentiment_score":0.02805083431303501},{"text":"Perfect.","start_word":1005,"end_word":1005,"sentiment":"positive","sentiment_score":0.4233568608760834},{"text":"That's right. well. Yeah. So your goal with regard to super in retirement was that you're hoping to retire at about age 65, and income Correct. in retirement was about $600 per week currently. Is that still fairly accurate? Yes. It is it is still Yes. accurate. Yeah.","start_word":1006,"end_word":1053,"sentiment":"neutral","sentiment_score":0.10790203511714937},{"text":"Beautiful.","start_word":1054,"end_word":1054,"sentiment":"positive","sentiment_score":0.5250238180160522},{"text":"So I have scoped in the superannuation side of things. Now you did kinda mention to me last year when we spoke that you were happy with the insurances that you did have as well, so there was no need to change the insurances. Into this document, I've not made any new recommendations about insurances, but I what I do is I essentially scope it into a limited scope. So I've accepted the insurance premiums into the projection side of things, and that is Yep. appropriate to be advised because as insurances get more expensive as they get older, they do have an effect in our retirement. So this sort of shows you the projected outcome of what we're expecting based on the changes and your current scenario, and it's factors in the insurance premiums there for you as well. Okay?","start_word":1055,"end_word":1195,"sentiment":"neutral","sentiment_score":0.1956612467765808},{"text":"Cool. Cool.","start_word":1196,"end_word":1197,"sentiment":"positive","sentiment_score":0.5281594395637512},{"text":"And the other thing I sort of wanted to look at with you is because you are getting closer to retirement, that you have about nine years before you're wanting to access the Yep. super. Essentially, we wanted to also look at where you were tracking for, so actually have a look at the retirement projection. It is limited, so it's in because I don't do a full retirement advice document until you are actually ready to retire, and we Yeah. know Gotcha. exactly what you're gonna need to earn and how it's gonna And I wanna also factor Deborah into that kind of advice as well. Yes. So as you guys get closer, I would like to really look at things together for you, look at your goals Yep. together, look at what you're tracking for, how that affects the both of you, and Yes.","start_word":1198,"end_word":1343,"sentiment":"neutral","sentiment_score":0.08762671053409576},{"text":"how Perfect.","start_word":1344,"end_word":1345,"sentiment":"positive","sentiment_score":0.3449758291244507},{"text":"long super might last between the two of you. But for this document, I've done a limited straight projection based on what I'm recommending and what this looks like in retirement based on this goal just for yourself. Okay? Yeah.","start_word":1346,"end_word":1385,"sentiment":"neutral","sentiment_score":0.1923012137413025},{"text":"Perfect.","start_word":1386,"end_word":1386,"sentiment":"positive","sentiment_score":0.49016785621643066},{"text":"Yeah.","start_word":1387,"end_word":1387,"sentiment":"neutral","sentiment_score":0.3107185959815979},{"text":"That sounds right. Excellent.","start_word":1388,"end_word":1391,"sentiment":"positive","sentiment_score":0.5239171981811523},{"text":"Areas we're not looking at is cash on debt reduction for you guys. Do have a bit of a mortgage. You are wanting to pay that down prior Yep. to, obviously, retiring there. If you did need any assistance in the area, we do provide financial advice around those, but I'll just scope that out of this document for the time being for you. We'll focus on super for this moment for you. Okay? Yes.","start_word":1392,"end_word":1466,"sentiment":"neutral","sentiment_score":0.009592442512512208},{"text":"Perfect.","start_word":1467,"end_word":1467,"sentiment":"positive","sentiment_score":0.5280861854553223},{"text":"Yes. Right. Yep.","start_word":1468,"end_word":1470,"sentiment":"neutral","sentiment_score":0.27823567390441895},{"text":"Excellent.","start_word":1471,"end_word":1471,"sentiment":"positive","sentiment_score":0.5460474491119385},{"text":"As you are going through the document, we do have assets and liabilities noted down as per your last conversation with us. If if they have changed, that is okay. It is normal and expected. But if there is anything else you are reading it later on you want me to update in the back end, just let me know.","start_word":1472,"end_word":1531,"sentiment":"neutral","sentiment_score":0.24192486703395844},{"text":"I'm more than happy to make any changes that you need.","start_word":1532,"end_word":1542,"sentiment":"positive","sentiment_score":0.6936232447624207},{"text":"Okay?","start_word":1543,"end_word":1543,"sentiment":"neutral","sentiment_score":0.24754637479782104},{"text":"Cool.","start_word":1544,"end_word":1544,"sentiment":"positive","sentiment_score":0.4363288879394531},{"text":"Yep.","start_word":1545,"end_word":1545,"sentiment":"neutral","sentiment_score":0.285415381193161},{"text":"Sweet. Excellent.","start_word":1546,"end_word":1547,"sentiment":"positive","sentiment_score":0.46229612827301025},{"text":"So that that So email has come yeah. Oh, through.","start_word":1548,"end_word":1557,"sentiment":"neutral","sentiment_score":0.2646007835865021},{"text":"fantastic.","start_word":1558,"end_word":1558,"sentiment":"positive","sentiment_score":0.5176912546157837},{"text":"Statement of advice, same info. Yep. This is So for if you James just press Taylor. on the sign and go through to the next page, it should let you scroll through that document there.","start_word":1559,"end_word":1593,"sentiment":"neutral","sentiment_score":0.167903333902359},{"text":"Excellent. And to make things easier on you, I'm yeah.","start_word":1594,"end_word":1603,"sentiment":"positive","sentiment_score":0.4819809794425965},{"text":"And if you go down to page 17 when you're able to look at that, that's probably really good timing, actually. So click the start. Yep. Right. Cool. Okay. Alright. So it's going straight through page 32. So I'll go to page 17, Page you said? 17. Yeah. You'll see the heading is recommended investment superannuation. The 17. Yep. Okay. Page seven to nine. So you got the the hub 24 in reference. That's the one. Yeah. Yep. Good Perfect. timing. Because this is the Yep. part that gets a little bit convoluted. But, essentially, Yeah. having a look at your investments within Hub twenty four, you can see, essentially what we wanna change in buy and sell. Now I did go back and review Hub twenty four as a super platform as well, and I am recommending Yeah. we retain that. It is not a bad platform. You guys are linked in the background as well, so you do have the aggregation, which means that because you're the link in the background, all your fees, like admin fees and things are reduced as much as absolute possible. They have Yeah.","start_word":1604,"end_word":1794,"sentiment":"neutral","sentiment_score":0.1534351259469986},{"text":"this family Perfect.","start_word":1795,"end_word":1797,"sentiment":"positive","sentiment_score":0.4130985140800476},{"text":"fee aggregation side of it. So what I'm recommending we do with the investments is we do do a bit of a switch around. So we are going to sell off all the battery and lithium tech.","start_word":1798,"end_word":1834,"sentiment":"neutral","sentiment_score":0.059335432946681976},{"text":"It has done really well.","start_word":1835,"end_word":1839,"sentiment":"positive","sentiment_score":0.5566225647926331},{"text":"It's not a bad place to be, but it is very much a somatic or a themed ETF. I Yep. wanna sell that down completely and cement the gains that you have had out of that one. Yep. Yep. Then Cool. along the same equity, this investment has been underperforming in your portfolio for the last couple of months, and I wanted to get rid of that. And I've looked at Yep. some other options for you. Okay. Essentially, then along was placed as an actively managed investment. So the job of the investment manager for Bennelong is they're trying to buy and sell in a way that the returns that they achieve outperform against the market. They haven't been able to do that, And Okay. active managers as a whole have had trouble doing that this year, not just because of what's been occurring in the market generally with The US and Iran war, but Benelbaum Yep.","start_word":1840,"end_word":1997,"sentiment":"neutral","sentiment_score":-0.05634893849492073},{"text":"have had some underlying issues that we've decided it's not worth you staying in there.","start_word":1998,"end_word":2012,"sentiment":"negative","sentiment_score":-0.3509819805622101},{"text":"You're too close to retirement to be in underperforming investors, so it's time to give them the second move from your portfolio. Perfect. Perfect.","start_word":2013,"end_word":2036,"sentiment":"neutral","sentiment_score":-0.1838785260915756},{"text":"Love it.","start_word":2037,"end_word":2038,"sentiment":"positive","sentiment_score":0.3729969263076782},{"text":"Yeah. You've also got some bank hybrids in there as well. These are more of a complex investments. They're sort of like bonds where you're putting money into the bank's investment areas. They're giving you regular income payments, but bank hybrids are also traded like shares are on the on the ASX. Yeah. These are actually Okay. being phased out by the government in the next couple of years. So instead of having to hold on to them now and sell them down the track because you are so close to retirement, we're better off getting rid of those now for you as Yep. well. Perfect. Okay?","start_word":2039,"end_word":2145,"sentiment":"neutral","sentiment_score":-0.02827415056526661},{"text":"Perfect.","start_word":2146,"end_word":2146,"sentiment":"positive","sentiment_score":0.35889703035354614},{"text":"Longer.","start_word":2147,"end_word":2147,"sentiment":"neutral","sentiment_score":0.31305983662605286},{"text":"Physical gold has done really, really well. We wanna keep that in your portfolio. It is still a great place to be.","start_word":2148,"end_word":2169,"sentiment":"positive","sentiment_score":0.5631030201911926},{"text":"Physical gold is a growth Yeah. investment, but it also acts alternatively. So you've got about 8.91% in your portfolio. At the moment, we wanna hold 10%, so we're gonna buy a little bit more of that for you.","start_word":2170,"end_word":2208,"sentiment":"neutral","sentiment_score":0.16405993700027466},{"text":"Cool.","start_word":2209,"end_word":2209,"sentiment":"positive","sentiment_score":0.3995815515518189},{"text":"Yeah.","start_word":2210,"end_word":2210,"sentiment":"neutral","sentiment_score":0.292325884103775},{"text":"Cybersecurity, again, is a really good investment.","start_word":2211,"end_word":2217,"sentiment":"positive","sentiment_score":0.5269621014595032},{"text":"It has had a bit of a pullback this year. It has been affected by the Iran war with The US, so it has had a little bit of a downtime, but it's still a good investment to hold on to. You have about 7% there at the moment, and we wanna hold about 5%. So we're just gonna submit some of the gains that you've received in that investment and rebalance it back for you. Okay? Okay. Let's go. Bonds are are great investments. These are more defensive in nature. They are it's a combination of government and corporate bonds essentially. You've only got about 8% there at the moment. Because we're removing the bank hybrid completely, we wanna still have defensive investments, and defensive investments are low risk cash producing. And we need to make sure we have enough of those in your portfolio. So we're gonna increase your exposure in the core composite bonds to account for removing the bank hybrid and bring you up to about 14% there. Okay?","start_word":2218,"end_word":2390,"sentiment":"neutral","sentiment_score":0.12853221595287323},{"text":"Perfect. Perfect.","start_word":2391,"end_word":2392,"sentiment":"positive","sentiment_score":0.3738647699356079},{"text":"The SMB 500, this is giving you exposure to the top 500 companies on The US, and it is still a good investment today. Has seen a bit of fluctuation. Overall, has seen really good gains after, you know, everything we went through with that. Between I think the downtime, the worst point for that investment was around about March and April, which is when Trump was absolutely in the news every day, and there Yeah. was a lot more sort of said about it. But it has kinda evened out quite significantly, and we're still seeing really good gains out of the S and P 500. So Okay. we're gonna increase your exposure a bit to 30% for the portfolio.","start_word":2393,"end_word":2513,"sentiment":"neutral","sentiment_score":0.15644635260105133},{"text":"Perfect.","start_word":2514,"end_word":2514,"sentiment":"positive","sentiment_score":0.3509422838687897},{"text":"Yep. We've also got Van X Property. This is giving you exposure to property in Australia. It has been really good, but property is having a bit of a fallback. So we are just gonna remove that. It's more of a somatic sort of themed investment. Yes. It is there more for growth. We also wanna look at reducing your risk level in your portfolio because you are closer to retirement as well. So the that reducing the cost, keeping the gains working and compounding, but also sort of reducing the risk level as much as possible as you get closer to retirement as well. So I am gonna remove that completely from the portfolio and sell that down. And we've got the beta shares roughly 200. That's giving you exposure to 200 companies on the ASX. We're looking at both mid, large cap, and small cap companies. Sorry. Because they're getting rid of the Venelong Equities, I'm also removing the BetaShares RAPI 200, and we're gonna move that exposure into something else for you. It's still gonna Yes. be Australian equity, so we'll keep that exposure level. With the purchases, to replace a lot of what we're removing, we're gonna give you exposure to Europe. This is giving you exposure to all 16 European countries, all established markets, and it is a really good place to see a lot of growth at the moment, and moving Yep. forward, we'll continue. It's also giving you more diversification because it's spreading your risk level across more countries. Japan has looked after its economy really, really well at the moment, so it is a really good place to see growth, especially with a lot of the hardship. Like, China was meant to come out of COVID and be kind of the building block for most investments in companies. However, it hasn't kind of worked out that way. There's still a lot of hostility with China, but Japan has been where a lot of companies are kind of moving their manufacturing into. And Japan also looked after their country very, very well with stockpiling fuel and things like that for what we've just gone through.","start_word":2515,"end_word":2876,"sentiment":"neutral","sentiment_score":0.05561812643929081},{"text":"So That's we are fantastic. wanting to put some more money into the Japanese economy and just having about 5% of your portfolio there for you.","start_word":2877,"end_word":2902,"sentiment":"positive","sentiment_score":0.41665875911712646},{"text":"Okay?","start_word":2903,"end_word":2903,"sentiment":"neutral","sentiment_score":0.2511526346206665},{"text":"Cool. Fantastic.","start_word":2904,"end_word":2905,"sentiment":"positive","sentiment_score":0.5433592200279236},{"text":"Yeah. With Vanguard All World ex US investment there, that's essentially giving you exposure to the entire globe.","start_word":2906,"end_word":2923,"sentiment":"neutral","sentiment_score":0.1108914232916302},{"text":"They're giving you more diversification, which overall helps to reduce the risk of your portfolio.","start_word":2924,"end_word":2938,"sentiment":"positive","sentiment_score":0.3364551365375519},{"text":"It is ex US, so not including The US, and that's because you've got the S and P 500 exposure above this. Don't wanna have too much exposure into The US. Yes.","start_word":2939,"end_word":2970,"sentiment":"neutral","sentiment_score":0.024457016959786415},{"text":"But that's a really good low risk investment. It's a really good diversified investment as well, and it's low costing because it's Vanguard. It tracks essentially the all world index, so it's fantastic. Perfect.","start_word":2971,"end_word":3004,"sentiment":"positive","sentiment_score":0.6938431859016418},{"text":"And then because we are removing the Australian exposure out of the banner long and the beta shares, Rafi, we're gonna put you into the a 200. This is giving you exposure to the top 200 companies on the ASX. So it's actually by removing the banner long, it's actually giving you more diversification.","start_word":3005,"end_word":3058,"sentiment":"neutral","sentiment_score":0.20633424818515775},{"text":"It's still giving you a great exposure into the market. We're gonna hold about 20% of your portfolio, and it's actually lower cost as well.","start_word":3059,"end_word":3083,"sentiment":"positive","sentiment_score":0.404263436794281},{"text":"So it's healthy to save fees, investment fees in your portfolio, which is really important. But that's essentially Perfect. the changes that I wanna make to your portfolio for you. Yeah. That's right. No. Thank you. That's That's good. okay. And and see have you get in front of me as well? I'm trying to say that to you. Yeah. Essentially, with your cash account, we only ever wanna hold 1.5% cash within the cash account in the super fund. You do have about 1.6 at the moment, so we're gonna take some of that cash and reinvest it. Our money Yep. was part of being invested rather than sitting in cash. So we'll just make sure that that cash account is reduced to the minimum it needs to be. Yep. If you scroll down for me sorry. Just to You're page what? number I'm just going through really 19. To page number 23. 20 Yeah. three. Page Yep. number 23. Yep. This got the fee comparison table for you.","start_word":3084,"end_word":3253,"sentiment":"neutral","sentiment_score":0.10159753262996674},{"text":"Beautiful.","start_word":3254,"end_word":3254,"sentiment":"positive","sentiment_score":0.5068356990814209},{"text":"Now the other part of the recommendation, essentially, is that you are currently salary sacrificing. It's about a $164 on a a weekly basis in the super. Yep. I did sort of have a look at the projected outcome, and I'm recommending that you just increase that salary sacrifice a little bit more. So adding it to $36 per week will bring your salary sacrifice up to about $200 per week. So if Okay.","start_word":3255,"end_word":3328,"sentiment":"neutral","sentiment_score":0.08979209512472153},{"text":"you guys can afford that, just increasing your salary sacrifice each week will also provide benefit. It means that more money will be going into your space. So being invested in the portfolio to help grow that over the next couple of years for you as well.","start_word":3329,"end_word":3375,"sentiment":"positive","sentiment_score":0.6324412822723389},{"text":"Okay?","start_word":3376,"end_word":3376,"sentiment":"neutral","sentiment_score":0.27681484818458557},{"text":"Yeah. Cool.","start_word":3377,"end_word":3378,"sentiment":"positive","sentiment_score":0.4492882192134857},{"text":"Because I I I usually each fortnight, if I know that I'm gonna be doing overtime, I'll increase Yep. my salary sacrifice. Or if I know that Yep. I'm gonna be just doing a regular seven hours thirty six with no penalties, no nothing like that, I'll I'll decrease my my my salary sacrifice. So does that Yep. go straight into is that what you're talking about in my my thorough sacrificing? Is that what you're Yeah. So that's where the employer takes that money out of your income pretax, and they just put deposit that straight into your super fund the same as your employer contribution. Yeah. So, yeah, Cool. we just want you, yeah, just recommending that you make that an even 200 every fortnight so Yep. every week. This all continues to go in and is paid into your sleep. But now that employers are supposed to be paying our contributions as payday, it means that we're gonna get proper dollar cost averaging.","start_word":3379,"end_word":3544,"sentiment":"neutral","sentiment_score":0.19425871968269348},{"text":"So with your contributions going in every week or fortnight with your income being paid to you, it means that you're really gonna take advantage of the market.","start_word":3545,"end_word":3572,"sentiment":"positive","sentiment_score":0.4877599477767944},{"text":"And instead of having lump sum once every couple of months, we'll have regular contributions, which is gonna provide Yeah.","start_word":3573,"end_word":3592,"sentiment":"neutral","sentiment_score":0.28544679284095764},{"text":"greater benefit long term. So yeah. Cool.","start_word":3593,"end_word":3599,"sentiment":"positive","sentiment_score":0.3819468021392822},{"text":"Because the way what Yeah. the way I saw it was I was doing 10 I'm doing 10% as a as a Yep. base every fortnight. Yep. And then and then I increase it to, say, it'll be 500 a fortnight if I have if I'm Yep. gonna do overtime and pen and penalties. So I was looking at it kind of thinking that I was putting in around about that 700 or 800 a fortnight anyway. Is that so Yeah. are you saying It's to increase it a bit more? Or yeah. Just increase it. So it levels out of the set 200 every week for you just to make it a bit easier. yeah. And Because then I if you are getting additional overtime, what you could always do is put that aside into an account in, like, your bank account or something. If you wanted to make Yeah. extra contributions when you get more money, absolutely. But you could Yeah. also hold that aside. And at the end of the financial year, we can always have a look at what you've got available to you, what your contributions look like, and we could also look at making tax up contributions and deductible contributions that might also give you a tax deduction at the end of the year as well. So Yeah. I I just can. yeah. I just think if we have a level a level of salary sacrifice on top of your normal employer contributions, that just kinda gives you regular increments of money being invested, which is dollar cost averaging and provides that greater benefit. Yep. And then anything additional, if you hold that aside, if you want, end of financial year so I could make it in May every year. I give you a call. We talk about what you have available, the contributions that have gone in, and we can look at whether we make additional contributions and make it more of a tax deduction for you so you get a little bit more of a deduction at the end of the financial year. Okay. Yeah.","start_word":3600,"end_word":3952,"sentiment":"neutral","sentiment_score":0.1227127111413999},{"text":"Wonderful. Yeah. Wonderful.","start_word":3953,"end_word":3955,"sentiment":"positive","sentiment_score":0.4909401834011078},{"text":"And I I I received a a call or an email the other day saying about my my super contributions and and having to do something for my when I do my tax return. Let's have a look. I can't I can't think of what that That's okay. Let me have a look there for you. Okay.","start_word":3956,"end_word":4012,"sentiment":"neutral","sentiment_score":0.05919424444437027},{"text":"Perfect.","start_word":4013,"end_word":4013,"sentiment":"positive","sentiment_score":0.46159225702285767},{"text":"So you received a call from Michelle that was Yep. on the ninth of the sixth. Yeah. So she noted that you'd you'd that you'd made some personal contributions. She was reaching out to find out whether you wanted to claim this as a tax deduction. So let me just have a look at your actual super and go back here for you. So I just so when when I do my tax, you know, through the myGov, because I we just do it through And ourselves. We don't yeah. go through an account. Yep. Does does that just get input into the my gov site for you just doing your tax return? Is that right?","start_word":4014,"end_word":4129,"sentiment":"neutral","sentiment_score":0.1245529009350415},{"text":"Yeah. It definitely does.","start_word":4130,"end_word":4133,"sentiment":"positive","sentiment_score":0.4437894225120544},{"text":"So it looks like you made some additional non concessional contributions last financial year of and we still have non concessional contributions of $3,787.01 that was made to the fund. You Okay. can claim a notice of intent against those funds, and that essentially means that they become what's called a deductible contribution. So that 3,000 what have we got? $3,787, you can claim as a tax deduction at the end of the financial year, and you Okay. claim that on your tax return. But in Yeah. order to Cool. have that happen, we just have to claim a notice of intent. The only issue I have with doing that full amount is that your contributions for the last financial year actually totaled 29,707 and 63<unk>. So you were Yes. actually very close to the cap at the end Yes. of the year. Yes. So what I would probably like to do really quickly is if after the call, are you able, at some point, say, able to get into your myGov account at all and get your Yes, please. yep. Because of your balance and your age, we can look to utilize carry forward contributions, so unused employer and sell back from the last five financial years. But I just need to see what you have available to you over the past five years to determine how much we can actually claim under that tax deduction. So I'll Okay. send you an email after the call with directions on how to get that. Can you grab the email to me? I can have a look at your availability and look at whether we can claim that full amount for you. Is that okay?","start_word":4134,"end_word":4419,"sentiment":"neutral","sentiment_score":0.10906746983528136},{"text":"That's fine. That's great. Thank you.","start_word":4419,"end_word":4423,"sentiment":"positive","sentiment_score":0.903275829553604},{"text":"Yep.","start_word":4424,"end_word":4424,"sentiment":"neutral","sentiment_score":0.33136001229286194},{"text":"That's okay. Easy done.","start_word":4425,"end_word":4428,"sentiment":"positive","sentiment_score":0.476444274187088},{"text":"And, look, honestly, we can do we do that every year. We can have a look at what you've got available to you and make that deductible contribution at the end of the finance to a year if you'd like to and look Yeah. at what available cap space you have. You're able to use carry form contributions until your balance reaches 500,000. Once Yep. your balance reaches 500,000, as at June 30, any financial year, the following year, you lose tax to carry forward.","start_word":4429,"end_word":4513,"sentiment":"neutral","sentiment_score":0.11902686208486556},{"text":"So it's good to try and use that now, and it'll also provide a little bit of a boost to you.","start_word":4514,"end_word":4534,"sentiment":"positive","sentiment_score":0.3537629246711731},{"text":"And then look, a tax deduction's not a bad thing. We all pay way too much tax. Yeah. Yes. Yeah. Yeah. Yeah. Of course. Exactly. We do. Yeah. Yeah. Yeah. Cool. That's it. So yeah. Look. Honestly, that that's what I'm what I'm recommending. We switch the investments out a little bit, do a bit of an update of your portfolio there. With that page, you'll see at the bottom, you are a growth investor. As I kind of explained last time, was a growth investor has that eighty twenty split between growth investments to defensive investments there. And in your current tab there, you'll see the older investments, whilst your portfolio was a little bit lower than that this year, has averaged about 9.54% on a yearly basis over the past five years, which isn't bad at all. But No. the newer portfolio, when we look at how that has performed, it had a greater past performance. So if that can do the same thing over the next five to ten years, it actually puts you in a much greater position. So in nine years, we could actually see you with a bit over $700,000 in super.","start_word":4535,"end_word":4732,"sentiment":"neutral","sentiment_score":0.11355387419462204},{"text":"Nice. Nice. I like that Yeah. a lot. That's fantastic.","start_word":4733,"end_word":4742,"sentiment":"positive","sentiment_score":0.4832448959350586},{"text":"Yeah.","start_word":4743,"end_word":4743,"sentiment":"neutral","sentiment_score":0.28684353828430176},{"text":"Brilliant.","start_word":4744,"end_word":4744,"sentiment":"positive","sentiment_score":0.39397209882736206},{"text":"As a bit of a disadvantage, I do have to let you know, I do consider the tax effect on your super. So just like you do a tax return every year, so does your super fund. Yep. The CGT is something super does account for. To make the switch on the investment, it's essentially worked out that the CGT is expected to be $1,886. It Yep. just means that your super fund accounts that after we complete the switch, and they take care of that for you. But I just have Yep. to let you know that that is an expectation. Okay? Yeah.","start_word":4745,"end_word":4848,"sentiment":"neutral","sentiment_score":0.07384043330183396},{"text":"That's definitely it. That's cool. Easy. But the positive to it is, as I mentioned, the new investors are cheaper. So the cheaper. So the investment fee is actually expected to save you $755 for the first year. So it's a cheaper portfolio and means more money stays invested in your super for you. Fantastic. I love that. That's Yeah. awesome. Thank you so much.","start_word":4849,"end_word":4913,"sentiment":"positive","sentiment_score":0.5031688809394836},{"text":"Oh, that's okay. Essentially, I kinda mentioned I did do a bit of a retirement projection for you, and that's sitting on page number 25. So it's looking at if you were able to, you know, get your super up as high. I use a much more conservative rate return. So when I'm doing the projection table above with the fees, we utilize the 11.7 and project that forward. However, in retirement, I use a much more conservative rate projection. So it essentially shows we should be able to see your balance at least at 560,000 and in between Yes. that sort of $760,000 mark as well.","start_word":4914,"end_word":5020,"sentiment":"neutral","sentiment_score":0.1373339742422104},{"text":"So Beautiful.","start_word":5021,"end_word":5022,"sentiment":"positive","sentiment_score":0.3826505839824677},{"text":"it's kind of about determining what the expectation is around market performance, but understanding volatility is a factor as well. So I kind of do that range. And when I'm projecting into retirement, I do do a much more conservative projection for you. So we can sort of see what the expectation is and build on that.","start_word":5023,"end_word":5079,"sentiment":"neutral","sentiment_score":0.20697630941867828},{"text":"It means that anything that we would achieve over that expectation is only a benefit to you and puts you in a much greater position long term as well.","start_word":5080,"end_word":5108,"sentiment":"positive","sentiment_score":0.4192878007888794},{"text":"Okay? Love that. Yeah. Love that. I've been Yes. watching my my hub 24 go up and down up and down, especially with Trump in at the moment. It's just like, oh my god. This It's a is roller crazy. coaster of emotion, isn't it? Oh, a rollercoaster. I know you guys do it. Seriously.","start_word":5109,"end_word":5163,"sentiment":"neutral","sentiment_score":0.09954548830335792},{"text":"Look.","start_word":5164,"end_word":5164,"sentiment":"positive","sentiment_score":0.37783282995224},{"text":"I honestly really enjoy it, and I think the one thing I like to point out to people is that we all you know, we see things that are red and negative figures, and we're taught to look at that as a a negative thing. It makes us doesn't make us feel good in any way, shape, or form. But the idea of having me here as your adviser is that I'm here to talk you through those downtime to keep you invested because the last thing we should be doing is selling out of those downtime. And, I mean, I actually kinda get excited when there's a downtime. So long as you're not retiring this year or Yes. next year or the year after, it's about taking advantage of that. So when the markets do take a bit of a dip truck, you know, put something out there and, Yes. you know, the market's taking a bit of a hit, that's a buying opportunity.","start_word":5165,"end_word":5329,"sentiment":"neutral","sentiment_score":0.09073078632354736},{"text":"So it's good to get some money into the market by those discount investments.","start_word":5330,"end_word":5343,"sentiment":"positive","sentiment_score":0.4244473874568939},{"text":"And when that market takes effect and people see that going up, most people are gonna get into it. The biggest Yes. thing with market ups and downs is it's all about emotional buying and selling. So when people say investment is going down, they go, oh, no. I have to get out. And that's real that creates a bit of a sell off, and that's where those larger dips come out of. Yeah. What I like to do is, yeah, we go, cool. That's a dip. That's down. That's okay. You're not retiring. Let's buy into that now, and let's wait for it to come out, and then Yes. you kinda see the the advantage of that. The risk is you buy in and it keeps falling, but that's okay. You just kinda gotta wait. You wait through it, and that's why contributions and salary sacrifice on a weekly basis is really good for you because you're you're putting that money in on a regular basis. It's buying into the market no matter what the market's doing. We're not trying to time the market, but we are staying invested throughout the market and taking advantage of whatever the market is doing and buying in at the all the ups and the downtime consistently. And that's where Yeah. the events Cool. have come out at the end of the day. So yeah.","start_word":5344,"end_word":5575,"sentiment":"neutral","sentiment_score":0.10531590602778156},{"text":"Perfect. Perfect. Yeah. Oh, sweet. That's awesome. Easy. All good.","start_word":5576,"end_word":5585,"sentiment":"positive","sentiment_score":0.5987904667854309},{"text":"So feel free to have a good reach of the documents there. I'll just Yep. let you know, obviously, you do pay an ongoing service fee for our services. There's no implementation fees or upfront cost for this. The last document is all part of you being a client and me looking after you and working in your best interest. Yep. Yep. The ongoing service fee for yourself and because Deborah is a client as well is 1.10% per annum, and then we deduct that in smaller monthly income as that of your super. And the document does outline what the expectation is, and that's added into the projection side of things for you as well there. So Yeah. Perfect. if you wanted to have a bit of a range of the document, I've got advantages, disadvantages, risks, alternatives that I've considered, and I've also got a best interest duty related back to each of the recommendations Okay. Just so you can kinda see how we relate that back to your goal and why the recommendations and the advice is in your best interest. Okay. Beautiful. Beautiful. But, yeah, when Easy. I go down to page 32, Yep. that that signature and there's a little multiline, is it? Yep. Yep. So the multiline is just if you don't have if there's any part of the recommendations you do not wish to take on board, if you the multiline should be optional. If it's mandated and makes you put something in it, you can write NA if there's nothing that you K. wanna Gotcha. if you have your take on all the recommendations. Or if there's something that you decide you're not wanting to take on board or don't wish us to implement, just write a little note in there. Okay? Yep. I just put in a, Yep. head first a, and sign there. Oh, shame pin form. There we go.","start_word":5586,"end_word":5905,"sentiment":"neutral","sentiment_score":0.0689837868208997},{"text":"Beautiful. And sign sign all Perfect. Perfect. sign all.","start_word":5906,"end_word":5914,"sentiment":"positive","sentiment_score":0.48854610323905945},{"text":"And, Is it? yeah, and the other document attaches the ongoing service agreement for the next twelve months there as well if you're happy to remain a client for another year. Yeah. Most definitely. Yeah. Most definitely. And the the date is all very small. Oh, yeah. '4 Oh, to yeah. '6 The date should '16 automatically '7. Yeah. prompt Cool. for you. Done. Yep. Yeah. Easy. And And next then next document, next. Yep. click to start. 303 sorted. Okay.","start_word":5915,"end_word":5995,"sentiment":"neutral","sentiment_score":0.09606842696666718},{"text":"We're all good. Nice. Validate.","start_word":5996,"end_word":6000,"sentiment":"positive","sentiment_score":0.4602747857570648},{"text":"And and you're saying that the myGovs I'll go into that now. Yep. Did you want me to let me just go into mine as well so Yeah. I can MyGov. I Yeah. tend Exactly. to have to go into You mine could. to follow through because you get a little Oh, bit lost most in definitely. them, I guess? Yep. Alright. Yeah. Most definitely. Most definitely. Cool. And excel that. Continue. Done. Pinned. No current alerts to show. Go into me and going Yep. into So sorry. if you go into See. service yeah. And then services when you get the services option. Services. I'm not sure where services is. Is that just under my profile? So if you go into myGov, it says, hi, Shane. If are you on your phone in the Yes. app? Yep. Yeah. So at the very bottom, you should have home, wallet, inbox, and services. Oh, hang on. Are you at home or inboxing services? Yep. Yep. So services, and then click on the ATO. Yep.","start_word":6001,"end_word":6173,"sentiment":"neutral","sentiment_score":0.01914717443287373},{"text":"Beautiful.","start_word":6174,"end_word":6174,"sentiment":"positive","sentiment_score":0.3428558111190796},{"text":"That should just take a second to load. And then from there, you've got menu at the very top. Just click on the menu. Menu. Oh, yeah. There we are. Yep. And then we K. click Tax. on super. Super.","start_word":6175,"end_word":6214,"sentiment":"neutral","sentiment_score":0.09361941367387772},{"text":"Beautiful.","start_word":6215,"end_word":6215,"sentiment":"positive","sentiment_score":0.8111873865127563},{"text":"Fun And then details we should information. Manage. go for information, Yep. and then we go carry forward concessional contribution. Okay. Yep. And then if we scroll down, it'll tell us essentially whether you're eligible or not eligible for carry forward. We are currently we currently have no Carrie Ford concessional contributions information to display. If you go down further under the financial year, it still should say unused concessional contributions available to carry forward. Can you see that in, like, a little blue box? There is just personal details. Yep. Total superannuation packet balance. So just personal details. And for name or fields, like, our settings, home. Does it give you an option for financial years? No. Not that I can see. I'll go back one. Because normally, it has the heading carry forward concessional contributions, a whole bunch of information on eligibility, and then it Yeah. should say total superannuation balance as of Oh, thirtieth yep. of June 2025. '20 And '6 then underneath oh, '20 that oh, yep. yep. And then underneath that, you'll have financial Yes. year, and then underneath that is, like, a unused concessional contributions available for the section. Yeah. It's just got the financial year 2627 Section. and then Yep. current as of 07/16/2026. Yep. And we currently have no carry forward concessional contributions information to display. Okay. Is there, like, a drop down section? Does it sort of say more information or anything underneath that? You give us feedback? Make Does it say show sure details? you No. Personal details? No. Nothing. Interesting. Because your balance is definitely under the threshold. You should have access to carry forward. Unless unless you've used the cap most years, So, yeah, I and I've there isn't any this carry is this forward is this is the most I've ever so put sacrificed in. myself and That's yeah. okay. Let me have a look. I'm just gonna go back in hub to the earliest I can see to see what we've got available. Okay. Well, So last it had it had the financial year of 2627. So I've just dropped that box down and gone yep. 2526. Yep. And it's got unused concessional contributions available to carry forward is Yep. eligible 92,000 Perfect. 862.","start_word":6216,"end_word":6593,"sentiment":"neutral","sentiment_score":-0.015419552605303508},{"text":"Perfect.","start_word":6594,"end_word":6594,"sentiment":"positive","sentiment_score":0.5931637287139893},{"text":"Underneath that, you should have a whole list of previous financial years as well. Do can you Yeah. see that list? Yep. No. There's just show details. Eligible to carry forward unused concessional contributions. Super and it's got show details. Then division two ninety three down further, but Yep. show details. Oh, yep. So I got 2526 financial year. Yep. Amount, 100 and $37,500.","start_word":6595,"end_word":6658,"sentiment":"neutral","sentiment_score":0.05765349417924881},{"text":"Beautiful.","start_word":6659,"end_word":6659,"sentiment":"positive","sentiment_score":0.6373087167739868},{"text":"Concessional contributions, 44,637. Yep. And then unused concessional contributions cap available to carry forward is 92,862. That's got Beautiful. the previous Can years. I'm gonna send you an email now so you've got my email there. Can you do me a favor and screenshot Yep. that and email it to me? Yeah. Screenshot this. Look Yeah. at my If you yep. can. Okay. Yeah. Yeah. If Of you course. if you can if it's possible, try to get as many as many of the last five years as possible. Yeah. Yep. Normally, it shows you all previous financial years, so you can kinda screenshot them. If not, if you can just go back the years that let you and just screenshot those for me and send those individually through, I can just tally up what Yeah.","start_word":6660,"end_word":6795,"sentiment":"neutral","sentiment_score":0.083098404109478},{"text":"you have Cool.","start_word":6796,"end_word":6798,"sentiment":"positive","sentiment_score":0.3418741822242737},{"text":"available. And that way, we've got a bit of a record for you for moving forward, and I'll reply back with what you're able to claim under the notice of intent. And then you can just let me know if that's what you want me to do. We don't need you to sign anything. I just need confirmation via email Yeah. that's what you want me to do, and I can do that in the system for you and then send you the confirmation of that for the last financial Cool. year. I can get back to 2021.","start_word":6799,"end_word":6896,"sentiment":"neutral","sentiment_score":0.21289993822574615},{"text":"Oh, fantastic.","start_word":6897,"end_word":6898,"sentiment":"positive","sentiment_score":0.5889705419540405},{"text":"Yeah. That sounds '20 about '20 right. '21. '21 I'm just 02/03. Yeah. I'm used concessional, 20,000, 19,000. Yeah. Alright.","start_word":6899,"end_word":6918,"sentiment":"neutral","sentiment_score":0.05252981185913086},{"text":"Beautiful. Cool.","start_word":6919,"end_word":6920,"sentiment":"positive","sentiment_score":0.534834086894989},{"text":"Alright. I'm just sending that email to you now. Hopefully, it comes through I'm fairly just quickly. taking some If not, screenshots. whenever it comes through, that's absolutely fine. And as soon as I get it, I'll look at that for you. I'll do the Yep. math. I'll work out what I'll just double check that you have the whole available for this last financial year. And if that's what if you have that available, are you happy to claim the whole amount that you've got there? So we've essentially Yeah. Definitely. got $3,787.01 to claim.","start_word":6921,"end_word":7016,"sentiment":"neutral","sentiment_score":0.11728328466415404},{"text":"Perfect. Perfect. Beautiful. Alright. I've sent that one to you. And I've just got the confirmation that you signed the documents, so thank you for that. Oh, Really awesome.","start_word":7017,"end_word":7045,"sentiment":"positive","sentiment_score":0.4187864363193512},{"text":"appreciate No. it. Thank you.","start_word":7046,"end_word":7050,"sentiment":"neutral","sentiment_score":0.26459750533103943},{"text":"Great All work. good. I really enjoy this. I wanna make sure things work harder for you.","start_word":7051,"end_word":7067,"sentiment":"positive","sentiment_score":0.4667491912841797},{"text":"And, look, advice doesn't stop at retirement. You could have a whole another lifetime in retirement. We'll keep updating and Yeah. making sure it all lasts for you in those retirement years as well. Okay? And that's what Kevin and I want.","start_word":7068,"end_word":7109,"sentiment":"neutral","sentiment_score":0.2152690291404724},{"text":"Beautiful. That's what I do. I'm very much the retirement person with us. So happy to Good. help you Love along it. and make sure we get to that point and that you enjoy your retirement years and spend as much time with your grandkids as possible. Fantastic. Love it, Diana. Thank you very much. Appreciate it. My pleasure.","start_word":7110,"end_word":7168,"sentiment":"positive","sentiment_score":0.475912481546402},{"text":"I'll let you go. When that email comes, if you send those back to me, I'll reply back straight away so you know that I've got it, and we'll get that sorted for you today.","start_word":7169,"end_word":7203,"sentiment":"neutral","sentiment_score":0.2839869558811188},{"text":"Easy. That's great. Great. Thank you very much.","start_word":7204,"end_word":7211,"sentiment":"positive","sentiment_score":0.4254553020000458},{"text":"Great chat. And, yeah, it's it's quite overwhelming all the information, but I'll Absolutely. have looked through that that email as well and, Yep. yeah, and just kind of get it in my right in my head. But, yeah, Absolutely.","start_word":7212,"end_word":7251,"sentiment":"neutral","sentiment_score":0.07444551796652377},{"text":"thanks for all the work that you've done. Appreciate Not it.","start_word":7252,"end_word":7262,"sentiment":"positive","sentiment_score":0.6510397791862488},{"text":"a problem. If any questions come out of it, let me know. If you have trouble reaccessing it, let me know. We can always resend it back to you as well. Okay?","start_word":7263,"end_word":7294,"sentiment":"neutral","sentiment_score":0.07266206294298172},{"text":"Nice one. Alright. Thanks, David. I really appreciate that. Have Thanks. a great afternoon. The you too. Thanks so much, Shane. Talk to you soon.","start_word":7295,"end_word":7319,"sentiment":"positive","sentiment_score":0.6905251145362854},{"text":"No worries.","start_word":7320,"end_word":7321,"sentiment":"neutral","sentiment_score":0.28339141607284546},{"text":"See you later.","start_word":7322,"end_word":7324,"sentiment":"positive","sentiment_score":0.37314605712890625},{"text":"Take take Bye. care. Bye bye.","start_word":7325,"end_word":7330,"sentiment":"neutral","sentiment_score":0.209523543715477}],"average":{"sentiment":"neutral","sentiment_score":0.12384600173332612}}}}