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I do apologize for running a little bit late there, but is now still a good time there for you? Fantastic. Before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that one? Oh, fantastic. And just to also go through security there with you, just to confirm your full name, your date of birth, and address I should have on file? Yep. Yep. Beautiful. Thank you so much for that. So, Jason, I do have your advice document ready to go. I'm gonna email you a copy of it. Are you able to access your emails at the moment or preferably not at the moment? Either way is fine. Sorry. Yeah. That's okay. This is normally easier if we kinda go through and have a look at together just so I'm not sort of talking at you at all. I'm just sending this one through if you can let me know when it's received. There we go. Hopefully, your Internet works a bit faster than mine has this morning. Oh, it is. Yeah. There we go. Beautiful. Alright. It says it has sent through, so let's go with that. Beautiful. How's your morning been thus far? Have you had a good day? Oh, that is good. That's excellent. And how's everything been going for you so far this year? Did you have a good Christmas, good New Year? Have any time off at all? No? You got new holidays planned for hopefully the end of the year? No. Did that mean they sort of paid out all of your leave and you're sort of starting again with the restructure? Oh, that's a shame. I'm so sorry about that. You're probably looking forward to that and everything. Oh, fantastic. Oh, yeah. That's honestly okay. That happens quite a lot. So with this one here, Jason, on the front page there or at the email, it will ask you to just sign sorry. Click on the button that says sign. It won't ask you to sign anything. It just allows you to go forward so you can scroll up and down through the document there. Excellent. On the front page has been prepared for yourself as of the July 15. On the bottom of the first page, it has my authorized representative number. I'm a registered financial adviser through ASIC, and that's my registration number there for you. Okay? I'll make this one nice and simple because you do get to go back and have a really good rate of the document. But, essentially, with this, after your annual review, we completed, we just wanted to have a look at your superannuation, make sure you're invested correctly between your Australian super, and, obviously, your hub twenty four fund there as well, making sure that we're working towards your goal of being able to retire at about age 65. Your desired retirement income is around 4 to 5,000 per month when you get to that point. Okay? You also wanted me to look at seeing if we could get some more income protection for you. So we did go out there and do some pre assessments and have a look at what options may be available, and I have definitely made some recommendations there for you below as well. And then also to see estate planning side of things. So when I kinda went back and reviewed, one of the things you mentioned to me was that you wanted to make sure in the event of you passing prematurely that your super and your life cover was paid to your mom. There are, unfortunately, stipulations around who can be a beneficiary, so I have gone back and assessed that beneficiary and updated the recommendations around the beneficiary nomination for you just to make sure that that can be paid as per your wishes in the event something happens to you. Okay? So it's in the event I want you to get to 65 and enjoy your retirement. Hopefully, nothing happens. Areas that we're not sort of scoping in, this is sort of down on page number five there for you. So you were building and trying to build a a deposit so that you could look to purchase a home in the future. You were saving approximately $50 on a a about a weekly basis, and you had just over 10,000, which was fantastic. You were trying to save about 80 to 100,000 for a deposit from your first for your home purchase. How's that going? Have you kind of increased the savings, or has that sort of held back a bit? No. Oh, it's a shame. Well, hopefully, things get a bit easier for you in that area. Yeah. You do also have some shareholdings that you were trying to invest an extra $50 on a monthly basis of to kinda get your target up to a thousand dollars per company holding. We're not scoping that into the advice at the moment, but we can always help you and provide the financial advice around investment later on down the track if you would like to as well. Okay? Excellent. I have down here around page number nine, the assets and liabilities. This is sort of sort of noted on what we had last time we were able to catch up with you and update all the details there. The silver coin collection is based on the current silver price, so that can change and fluctuate. But are there any major changes to, obviously, any of those other assets or liabilities that you wanna have changed in the back end at all? No. That's okay. Fantastic. And then below that, we do have your current super balances between the two Australian super and have 24 there as well. Okay? Now I'll make things a bit easier, and we'll scroll forward a little bit because you can always go back and read things over. But I'll sort of touch on the the parts that I need to touch on for you. So if you can scroll down to page 18 for me, and this has essentially got the heading, the recommended investment superannuation. Perfect. So the main with the recommendations, essentially, I'll start by just explaining the insurances to you. So we did go out there and have a look and do the pre assessments and have a really good look at what was available. Unfortunately, because of what was pre assessed, your BMI and current health conditions, the insurers were not able to provide any new cover. It would come back as a decline if we were able to if we were to put an application through. So it does mean, unfortunately, at this point, we do have to retain Australian sleeper for the insurances with the level of cover you have. However, one thing I did find that I can research for you is if you do get a pay increase in the future, let us know straight away. So Australian Super within the application do have the future increase insurability. So it essentially with that, it means if you get an increase to your income via house or something changes with income protection, it'll be an increase to your income. We just need to be able to show what your income was prior to the increase, what your income is after the increase. And, generally, within a very short period of time, we're able to increase that income protection or get a level of income protection increase for you without any medical underwriting. And we have all the information that we have, like, ready to go for you. So if that does happen, please let us know. We will help with and talk to Australian Super and find out what we need to do to have that. We've got the application, everything ready. So we understand majority of their rules, but we just need to be able to show when that pay increase happens that you need to generally let us know within about thirty days of it occurring. And we need to be able to show them what your pay was prior, what your pay was afterwards, and they will and do provide a bit of a increase on the income protection policy without any additional underwriting, which is more of a benefit to you because any additional underwriting that has occurred does mean that it could make the policy more expensive with loadings and or exclusions on the policy. So we wanna try and avoid that way possible. But, unfortunately, it did mean that retail cover was not available. All the insurers did come back saying they would decline. But if anything changes health wise, your BMI goes down, let me know. We will reassess things with you on a regular basis. And when and if new cover becomes available, we'll absolutely look at doing that for you. Okay? Other other areas we can definitely look at in the future are to kind of fill that gap because, obviously, having the retail cover, it does leave a bit of a gap in the risk side of things there. So we can, down the track, also help you to build investments outside of super, so building wealth in other areas to alleviate that gap and give you something to fall back on. Obviously, also having savings set aside does mean you have extra to fall back on the event of not being able to work or having some sort of major diagnosis as well. But that just means that we retain the level of cover within Australian Super that you have at the moment as well. Okay? So I am very sorry we couldn't get it, but I tried every avenue possible. And it is really good to know that Australian Super do have that future increase option available to you if you do get a pay rise, and we can show that difference between the income before and after for you. Okay? Excellent. We've also got that information in the appendices for you, which is an attachment to welcome to have a look at those details as well. Okay? So because we do have to then retain Australian Super, we just wanna retain that with a minimum balance, so about 10,000 in there. That means at the moment, you have a bit of a 23,000 in there. So we do want to roll over a 13,101 and have that rolled into Hub '24 so the the money can be invested with the rest of your portfolio, essentially. Within hub '24, we did have a look at essentially all the investments there. I did go back and look at how they were performing, what you're invested in. You're in more of that high growth environment. So that essentially because you have that 9010 split that we went through, does mean that when the portfolios are working really well, you'll get really good growth out of it. However, when the markets do see a bit of a downtime, that is magnified because you are taking more risk in the market there. So I did go back and just look at all the investments, and I've decided to make some switches essentially just to sort of remove some underperforming investors to also update the portfolio so that it's working harder for you as well. Essentially, so what we are gonna do, we're just gonna sell off some of the cybersecurity. It has been a little bit down this year. We'll see it come back in the turnaround. We just have to waste that time to come, but you're a bit overexposed at the moment. So we just wanna sell some off and bring you back to 6% exposure there. With the BetaShares India quality ETF, we are gonna sell that completely out of this portfolio. And, also, with the Global Healthcare there, we're gonna remove that completely as well. With the S and P 500, that's the third one fourth one down. Sorry. The IVV there. You have about 27% exposure there. I know there's been a lot with The US and the Iran war over the past, few months. However, The US is still a good place to be invested. It does go through the ups and downs. However, the Australian economy always also follows through. So staying invested in the market in The US at the moment is still really important, and we wanted to buy a bit more exposure there. So we wanna hold 35% exposure on your portfolio. So it means we just need to buy a little bit more of the S and P 500 there for you. Okay? You've also got the beta shares Raffy a 200 and the Bannalong Australian Equities. Now Bannalong, that investment has been underperforming this year within that investment portfolio. Unfortunately, their investment managers haven't been able to outperform the market. So they're actually more of an actively managed fund, and that's their role. They're trying to outperform the market, and they haven't been able to do so. They've had some underlying issues. So we're looking to get rid of all the then along Australian equities and as such remove the Raffy 200 as well and change your Australian exposure and move you out of any underperforming Australian equities. To replace that and keep your Australian equity exposure, we're gonna buy you into the a 200, which is the second one from the bottom. The main sort of difference between the Bennelong and this one is that Bennelong generally holds anywhere between 15 to 25 different investments, whereas the a 200 is more of a passively managed fund. It tracks the top 200 companies on the ASX, so it's giving you greater diversification. And the same as with the S and P five ten 100, If a company doesn't meet the criteria to be in the top 200 companies on the in that indices that this is tracking, they are removed, and then it's replaced with something else. So companies have a criteria to be within the top 200 index and same with the s and p five So those investments are passively managed. They are tracking the indices, and they make changes as per the indices. So it means you're always following the top 500 companies with the S and P 500. Or with the a 200, you're essentially always tracking the top 200 companies on the ASX, which is good. It's also a cheaper investment, so it means more money stays invested in your portfolio rather than paid for investment fees, which is a benefit as well. Okay? Excellent. The JPMorgan Global Research Enhanced Equity Fund there, we are removing that solely. It has been fine, but it is more of an actively managed fund. It does cost a lot more to have in your portfolio. So we are looking to try and make the portfolio slightly cheaper as well to make sure it's working harder for you, but, obviously, reducing fees is important as well. Physical gold has done really well, has grown very, very nicely in your portfolio. You've got about 9% there at the moment. We just wanna hold 7%. So it does mean just selling some of that physical gold or essentially taking some of the gains that the portfolio has been, cementing those gains, and spreading those out and reinvesting them back in your portfolio. That essentially helps the compounding effect. Does that make sense? Yep. Beautiful. And then we've got the bank hybrids there. These are being phased out in the future as an investment product, so we are looking to remove those now whilst we're making these changes. It makes sense to make all the changes now rather than to do it now and then go back in another two years and make some smaller alterations then. Making all the changes at once makes a lot more sense. So we're gonna remove those now whilst we can while we are making these changes. And because with the high growth portfolio, you still wanna have around about 10% in defensive assets. We're going to replace the bank hybrid there with the core composite bonds. We're only gonna hold about 5% of this investment, but it essentially is replacing the defensive component that was held by the bank card reserve. Okay? As down from aside from those, we're then gonna purchase into some European exposure, some Japanese exposure. We've also got the Vanguard all world index there. That's excluding The US because you have the S and P 500 above that one. And then, obviously, the beta shares a 200 and some bonds in there for defensive component for you. So that's the sense of the changes that we wanna make to your portfolio, making sure it works harder for you. With your cash account, we wanna hold or need to hold about 1.25% in cash. So you're a little bit over at the moment, so we'll just also reinvest some of your cash component as well. Okay? If you go down to page 21 for me, you can essentially see the outcome of making these changes. It should show you the fee comparison table. Beautiful. So with this one here, you have your current portfolio between hub twenty four and Australian sleeper and the recommended there. You'll see by making the changes, it essentially we are putting more money into Hub twenty four, so the admin fee does increase just slightly there. However, the investment fee between the two funds when making the changes actually saves you for the first year about $394. So, essentially, we are expecting a decrease in investment fees, which is a positive for yourself. It's more money staying in your portfolio compounding towards your retirement. Okay? With rolling some funds into Australians into, sorry, hub twenty four from Australian Super, it does obviously mean our ongoing adviser fee is increased just slightly. You do pay us the ongoing service fee for the monitoring and maintenance of looking after your super funds, providing advice, and working towards your goals, and it is 1.65% per annum there. So this will increase to slightly expected by about a $198 there. And we also look after the Australian super account as well. So we wanna make sure that we take all the stress of dealing with super away from you, and we're here to support you and provide this advice to make sure it's all working harder. Okay? One of the things we also did talk about was about building your super and if you were comfortable looking at making additional contributions. And so I have had a bit of a look in projecting forward. And while some recommending that you do start salary sacrificing as well, I'm gonna recommend we start small. So starting with $50 on a weekly basis, that essentially gives us 2,600 over the course of the year. Starting smaller means that because you've got a bit more time ahead of you there, we can start smaller, help to see how that feels with your expenditure and with your take home pay, and then kind of build that over time as your comfort level increases. Your employer contributions do need to continue to go into Australian Super. It is the best way to go. But I would like to see, if it's possible, if your employer is able to salary sacrifice that $50 on a weekly basis into your hub twenty four account. Essentially, splitting those contributions does work more of a benefit to you because putting a little bit of money into both accounts on a regular basis is basically dollar cost averaging. So you're taking advantage of the market ups and downs that can provide greater benefit long term for you as well. And it means that we have we only have to do smaller rollovers out of Australian Super on a regular basis, which is also a benefit. One of the things I sort of, are negative about doing those rollovers every year is that it is a lump sum that's rolled out of Australian Super and into Hub twenty four. So that money is invested all at one time, and that can have an effect on your super if you think about 13,000 being deposited into an investment. If that's all invested, then the next day the market goes down a little bit. Yes. It's been invested in at a downtime. However, it also means that it can take a little bit longer for the portfolio to recover back. So if we're able to split those contributions up through employer contributions to Australian so far, your salary sacrificing to have 24, it means your dollar cost averaging. And then each year when we do rollovers out of Australian Super, just to retain the 10,000, it's a smaller amount, and that can have a greater effect long term on working towards your goals. Does that make sense? And do you have questions so far? No. That's all good. Also, with your insurance premiums, they don't change. They stay exactly the same as they are for the time being, and I'll just keep making sure we touch base and have you any reviews every year. Review your insurance levels, and when and if we are able to get new cover, we will. Otherwise, we can always look at other ways to build wealth and help you to kinda close that risk gap as well. Okay? When you kind of look at the changes we're making and the difference in the portfolio, so they're both high growth portfolios from where you are currently to the recommended. But when we look at how the investments have performed over the past five years, the last of the current high growth portfolio has generally averaged about 10.25%. The newer portfolio has had in the past a greater past performance, which if it can do that again over the next five to ten years can give you a greater return and therefore put you in a much better position. And the next page does show you the projection over the five to ten years and what's estimated based on the rate of return that we you know, what sorry. The portfolio has been able to return over the past five years. Obviously, I do like to make sure you're aware portfolios do react differently. I'm not guaranteeing the return in any way, shape, or form, but this is just showing you how it has performed over the past five years. This year has definitely been a bit up and down with what's happening, and we can never predict what's going to happen, but we use past data on how portfolios have performed to help us project what we expect to happen in the future if we can get the same market conditions there. Okay. Perfect. Do you have any questions so far? You're welcome to let me know if anything pops up. Yeah. It is. Yeah. Absolutely. Underneath that, I go through a bit more around the salary sacrifice. I've explained that to you. So feel free to have a read through those as well. In each of the pages here, we have best interest duties. So, essentially, aligning the recommendations to your goals, Essentially, with hub twenty four retaining the super super funds does work in your best interest as you're not having to go through the process of moving all your super out, selling everything down, and moving out. We estimated with looking at the CGT effects, your super actually does do a tax return just like you every year. And in order to make the changes in the portfolio, there's no CGT effect on the super fund. We've estimated zero looking at sort of how that is because Bennelong has been down. It's essentially offsetting all the other gains for being able to maneuver the rest of the portfolio for you. So that is one fantastic benefit. It means that there's more money left in your super. Salary sacrificing, again, does mean there's more money compounding and working harder for you. One of the big things we tend to not sort of think about is when we get to the age of 60, 65, or 70, depending on when we retire, that's just when we stop officially working. But in retirement, we can often have anywhere between ten, twenty, thirty. Some people spend forty years in retirement, which is a whole another lifetime. So we still need to make sure super works as long as possible in those years. So being able to start salary sacrificing now and adding as much as we can in now, you do get a greater benefit with the compounding effect towards that retirement, but then it continues as it stays invested throughout those retirement years as well. Okay? Excellent. I've got a table in there for you on page 25, which outlines essentially the difference in the tax effect with salary sacrifices versus not versus your current circumstances there, and salary sacrifices are pretax deductions. So it does help to reduce your overall income tax, which is another great benefit of doing that. The other thing I wanted to kinda touch base on was the the beneficiaries. So in the event that something was to happen, you wanted to have your mom as your beneficiary. Unfortunately, with superannuation legislation, in order to be a beneficiary, they have a certain criteria. It needs to be a spouse, a child, someone who isn't has an interdependent relationship with you or someone who relies on you financially. So, essentially, for your if anything was to happen for your mom to go make a claim currently, she would have to be out of prove that she, a, lived with you, relied on you financially, you paid all of her bills, and things like that. That's a pretty tough thing to try and claim again. So it doesn't, unfortunately, mean that she would not the nomination wouldn't be valid, and it's probably really horrible for her to have to go through that process because it would come back and they would let her know she wasn't eligible for. And it's probably the worst time in her life to be going and having that claim and being off that court. So I've made a recommendation on page 33 for you where we update your beneficiary nominations. I'm recommending we tick them off as a binding, non lapsing nomination, which means the trustee is bound to follow the direction, and non lapsing means you only have to fill this out one time. You don't have to keep filling the nomination out unless your circumstances change. And then we tick off the legal personal representative box. This essentially means that if you were to unfortunately pass away, your super can be claimed by your executor of your will. The funds from your life insurance and your super just get paid directly to your estate, and then it's really important you have a will done up. And in that will, you can nominate any person you like. Your mom, you can request some money to a charity, your best friend from ten years ago, someone you've just met tomorrow. You can nominate anyone you like. And there's a lot more you have a lot more say in how you want the funds to be paid and where to. And that just means that that the funds can be paid to your mom, much easier process involved. And it's just really important you have a will drawn up and a power of attorney if possible as well. If you did do the beneficiary nominations and we had LPR nominated and there's no will in place, it does mean everything still, once it gets paid to your state, goes through probate, which is a terrible, horrible process for for family members to go through. But this is the best way to have that nomination set up for your mom. Does that make sense? Do you have questions? Yeah. Which part? The beneficiary or the will? We will help you. So we'll get the beneficiary form for hub twenty four. Are you comfortable with our team pre filling that for you, taking the nonlapsing binding, taking the LPR in a 100%? You're comfortable with us doing that for you? Yep. Beautiful. Absolutely. We can fill the pre fill the forms there for you for both hub twenty four and Australian super, and then we can either post them to you or email or both, whatever your preference is. What would you prefer to happen? Yeah. Abs yep. Absolutely. Not a problem. We'll get those out to you. Once they are received by yourself, you just gotta check the information is accurate. On the very last page, there is a signature placed for you, and you do have to have it witnessed by two other people. Because it's a legal personal representative, the witness can be your mom. It can be an excellent neighbor, two guys at work, whatever you're comfortable with. That it just has to be someone over 18 and two witnesses on a binding nomination. So if you can get them signed and witnessed and sent back to us, we will have them applied. And then as part of the review process each year, will reconfirm that you're still comfortable with that nomination. When and if something happens, you wanna change that nomination, we can absolutely help you. And then it's just really important that you do have a will drawn up really, really quickly. We can always send you some information on a local solicitor that we can refer you through to. Or often, all all the states do have, like, local trustees, and they do charge only a small amount for a very basic will or a will kit you can pick up from the post office, I think, these days. The last time I saw one was a few weeks back. It was about 30 odd dollars. So you can also just do a will kit that way if it's preferable and easier, but just having a valid will help that beneficiary receive the funds in the, you know, small event that something was to happen to you prematurely. Okay. Yeah. All good. That is a lot, and I get it. You're welcome to go back and have a really good read of that. I've got advantages, disadvantages, lists in there for you, outlining a bit of information on all those strategies for you as well. Is any questions that might have popped up to mind, or did you want me to re clarify anything further? Or yeah. Yeah. That's okay. What do you if you like, I can send through some information on the local trustee plus maybe a bit of a pricing on the local solicitor where you used to give you a bit of a comparison if you like, just so you've got something to yeah. Absolutely. I'll get that email done out for you either this afternoon or tomorrow morning. Is that okay? Fantastic. Lovely. So with that one there, Jason, just feel free to take that back. Have a bit of a read of the document. If you enjoy reading, I'm not sure how keen you are, but I've also got the product disclosure statements for how '24 for Australian Super and for any other for the recommendations made, just so you've got some information on that document or DocuSign there to sort of fall back on to read up on. We've also got the appendices, which does outline some of the research that was conducted for you as well. Okay. So you're welcome to have a bit of a read through that if you're a little bit bored and want some extra reading material. Not everyone does. Yeah. No. That's okay. Other than that, it looks like your ID may have expired on oh, no. 12/2026. No. It's fine. Your ID is good. Sorry. It's just a little bit hard to see the 2026 in the back there. Just making sure everything is up to date. But, yeah, look. Honestly, feel free to go back. Have a bit of a look at the document. Let me know if you do have any questions. And if you're happy to take the recommendations, we'll just get you to sign and return that back, and we can have that implemented nice and quickly there for you. Okay. Thank you. It's been an absolute pleasure. I'm so sorry I was running a bit late today, but it's been a a real pleasure to put this together for you. Looking forward to doing reviews and making sure we can work towards your goals. I want you to have the best retirement you can possibly have. You've worked way too hard to not enjoy your retirement years. All good. All good. Well, I will let you go. Thank you so much for your time. Are you working this afternoon? Do you have today off? Beautiful. Any plans for the afternoon or just resting, recuperating? I love it. I love it. You enjoy your day off. You deserve it. Thank you so much, Jason. Talk to you soon. See you later. 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Jason. It's Dana from OQ Financial. How are you today? I'm very well. Thank you.\n\nI had to put in to go through your statement of advice this morning. I do apologize for running a little bit late there, but is now still a good time there for you? Fantastic. Before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that one?\n\nOh, fantastic. And just to also go through security there with you, just to confirm your full name, your date of birth, and address I should have on file? Yep. Yep. Beautiful.\n\nThank you so much for that. So, Jason, I do have your advice document ready to go. I'm gonna email you a copy of it. Are you able to access your emails at the moment or preferably not at the moment? Either way is fine.\n\nSorry. Yeah. That's okay. This is normally easier if we kinda go through and have a look at together just so I'm not sort of talking at you at all. I'm just sending this one through if you can let me know when it's received.\n\nThere we go. Hopefully, your Internet works a bit faster than mine has this morning. Oh, it is. Yeah. There we go.\n\nBeautiful. Alright. It says it has sent through, so let's go with that. Beautiful. How's your morning been thus far?\n\nHave you had a good day? Oh, that is good. That's excellent. And how's everything been going for you so far this year? Did you have a good Christmas, good New Year?\n\nHave any time off at all? No? You got new holidays planned for hopefully the end of the year? No. Did that mean they sort of paid out all of your leave and you're sort of starting again with the restructure?\n\nOh, that's a shame. I'm so sorry about that. You're probably looking forward to that and everything. Oh, fantastic. Oh, yeah.\n\nThat's honestly okay. That happens quite a lot. So with this one here, Jason, on the front page there or at the email, it will ask you to just sign sorry. Click on the button that says sign. It won't ask you to sign anything.\n\nIt just allows you to go forward so you can scroll up and down through the document there. Excellent. On the front page has been prepared for yourself as of the July 15. On the bottom of the first page, it has my authorized representative number. I'm a registered financial adviser through ASIC, and that's my registration number there for you.\n\nOkay? I'll make this one nice and simple because you do get to go back and have a really good rate of the document. But, essentially, with this, after your annual review, we completed, we just wanted to have a look at your superannuation, make sure you're invested correctly between your Australian super, and, obviously, your hub twenty four fund there as well, making sure that we're working towards your goal of being able to retire at about age 65. Your desired retirement income is around 4 to 5,000 per month when you get to that point. Okay?\n\nYou also wanted me to look at seeing if we could get some more income protection for you. So we did go out there and do some pre assessments and have a look at what options may be available, and I have definitely made some recommendations there for you below as well. And then also to see estate planning side of things. So when I kinda went back and reviewed, one of the things you mentioned to me was that you wanted to make sure in the event of you passing prematurely that your super and your life cover was paid to your mom. There are, unfortunately, stipulations around who can be a beneficiary, so I have gone back and assessed that beneficiary and updated the recommendations around the beneficiary nomination for you just to make sure that that can be paid as per your wishes in the event something happens to you.\n\nOkay? So it's in the event I want you to get to 65 and enjoy your retirement. Hopefully, nothing happens. Areas that we're not sort of scoping in, this is sort of down on page number five there for you. So you were building and trying to build a a deposit so that you could look to purchase a home in the future.\n\nYou were saving approximately $50 on a a about a weekly basis, and you had just over 10,000, which was fantastic. You were trying to save about 80 to 100,000 for a deposit from your first for your home purchase. How's that going? Have you kind of increased the savings, or has that sort of held back a bit? No.\n\nOh, it's a shame. Well, hopefully, things get a bit easier for you in that area. Yeah. You do also have some shareholdings that you were trying to invest an extra $50 on a monthly basis of to kinda get your target up to a thousand dollars per company holding. We're not scoping that into the advice at the moment, but we can always help you and provide the financial advice around investment later on down the track if you would like to as well.\n\nOkay? Excellent. I have down here around page number nine, the assets and liabilities. This is sort of sort of noted on what we had last time we were able to catch up with you and update all the details there. The silver coin collection is based on the current silver price, so that can change and fluctuate.\n\nBut are there any major changes to, obviously, any of those other assets or liabilities that you wanna have changed in the back end at all? No. That's okay. Fantastic. And then below that, we do have your current super balances between the two Australian super and have 24 there as well.\n\nOkay? Now I'll make things a bit easier, and we'll scroll forward a little bit because you can always go back and read things over. But I'll sort of touch on the the parts that I need to touch on for you. So if you can scroll down to page 18 for me, and this has essentially got the heading, the recommended investment superannuation. Perfect.\n\nSo the main with the recommendations, essentially, I'll start by just explaining the insurances to you. So we did go out there and have a look and do the pre assessments and have a really good look at what was available. Unfortunately, because of what was pre assessed, your BMI and current health conditions, the insurers were not able to provide any new cover. It would come back as a decline if we were able to if we were to put an application through. So it does mean, unfortunately, at this point, we do have to retain Australian sleeper for the insurances with the level of cover you have.\n\nHowever, one thing I did find that I can research for you is if you do get a pay increase in the future, let us know straight away. So Australian Super within the application do have the future increase insurability. So it essentially with that, it means if you get an increase to your income via house or something changes with income protection, it'll be an increase to your income. We just need to be able to show what your income was prior to the increase, what your income is after the increase. And, generally, within a very short period of time, we're able to increase that income protection or get a level of income protection increase for you without any medical underwriting.\n\nAnd we have all the information that we have, like, ready to go for you. So if that does happen, please let us know. We will help with and talk to Australian Super and find out what we need to do to have that. We've got the application, everything ready. So we understand majority of their rules, but we just need to be able to show when that pay increase happens that you need to generally let us know within about thirty days of it occurring.\n\nAnd we need to be able to show them what your pay was prior, what your pay was afterwards, and they will and do provide a bit of a increase on the income protection policy without any additional underwriting, which is more of a benefit to you because any additional underwriting that has occurred does mean that it could make the policy more expensive with loadings and or exclusions on the policy. So we wanna try and avoid that way possible. But, unfortunately, it did mean that retail cover was not available. All the insurers did come back saying they would decline. But if anything changes health wise, your BMI goes down, let me know.\n\nWe will reassess things with you on a regular basis. And when and if new cover becomes available, we'll absolutely look at doing that for you. Okay? Other other areas we can definitely look at in the future are to kind of fill that gap because, obviously, having the retail cover, it does leave a bit of a gap in the risk side of things there. So we can, down the track, also help you to build investments outside of super, so building wealth in other areas to alleviate that gap and give you something to fall back on.\n\nObviously, also having savings set aside does mean you have extra to fall back on the event of not being able to work or having some sort of major diagnosis as well. But that just means that we retain the level of cover within Australian Super that you have at the moment as well. Okay? So I am very sorry we couldn't get it, but I tried every avenue possible. And it is really good to know that Australian Super do have that future increase option available to you if you do get a pay rise, and we can show that difference between the income before and after for you.\n\nOkay? Excellent. We've also got that information in the appendices for you, which is an attachment to welcome to have a look at those details as well. Okay? So because we do have to then retain Australian Super, we just wanna retain that with a minimum balance, so about 10,000 in there.\n\nThat means at the moment, you have a bit of a 23,000 in there. So we do want to roll over a 13,101 and have that rolled into Hub '24 so the the money can be invested with the rest of your portfolio, essentially. Within hub '24, we did have a look at essentially all the investments there. I did go back and look at how they were performing, what you're invested in. You're in more of that high growth environment.\n\nSo that essentially because you have that 9010 split that we went through, does mean that when the portfolios are working really well, you'll get really good growth out of it. However, when the markets do see a bit of a downtime, that is magnified because you are taking more risk in the market there. So I did go back and just look at all the investments, and I've decided to make some switches essentially just to sort of remove some underperforming investors to also update the portfolio so that it's working harder for you as well. Essentially, so what we are gonna do, we're just gonna sell off some of the cybersecurity. It has been a little bit down this year.\n\nWe'll see it come back in the turnaround. We just have to waste that time to come, but you're a bit overexposed at the moment. So we just wanna sell some off and bring you back to 6% exposure there. With the BetaShares India quality ETF, we are gonna sell that completely out of this portfolio. And, also, with the Global Healthcare there, we're gonna remove that completely as well.\n\nWith the S and P 500, that's the third one fourth one down. Sorry. The IVV there. You have about 27% exposure there. I know there's been a lot with The US and the Iran war over the past, few months.\n\nHowever, The US is still a good place to be invested. It does go through the ups and downs. However, the Australian economy always also follows through. So staying invested in the market in The US at the moment is still really important, and we wanted to buy a bit more exposure there. So we wanna hold 35% exposure on your portfolio.\n\nSo it means we just need to buy a little bit more of the S and P 500 there for you. Okay? You've also got the beta shares Raffy a 200 and the Bannalong Australian Equities. Now Bannalong, that investment has been underperforming this year within that investment portfolio. Unfortunately, their investment managers haven't been able to outperform the market.\n\nSo they're actually more of an actively managed fund, and that's their role. They're trying to outperform the market, and they haven't been able to do so. They've had some underlying issues. So we're looking to get rid of all the then along Australian equities and as such remove the Raffy 200 as well and change your Australian exposure and move you out of any underperforming Australian equities. To replace that and keep your Australian equity exposure, we're gonna buy you into the a 200, which is the second one from the bottom.\n\nThe main sort of difference between the Bennelong and this one is that Bennelong generally holds anywhere between 15 to 25 different investments, whereas the a 200 is more of a passively managed fund. It tracks the top 200 companies on the ASX, so it's giving you greater diversification. And the same as with the S and P five ten 100, If a company doesn't meet the criteria to be in the top 200 companies on the in that indices that this is tracking, they are removed, and then it's replaced with something else. So companies have a criteria to be within the top 200 index and same with the s and p five So those investments are passively managed. They are tracking the indices, and they make changes as per the indices.\n\nSo it means you're always following the top 500 companies with the S and P 500. Or with the a 200, you're essentially always tracking the top 200 companies on the ASX, which is good. It's also a cheaper investment, so it means more money stays invested in your portfolio rather than paid for investment fees, which is a benefit as well. Okay? Excellent.\n\nThe JPMorgan Global Research Enhanced Equity Fund there, we are removing that solely. It has been fine, but it is more of an actively managed fund. It does cost a lot more to have in your portfolio. So we are looking to try and make the portfolio slightly cheaper as well to make sure it's working harder for you, but, obviously, reducing fees is important as well. Physical gold has done really well, has grown very, very nicely in your portfolio.\n\nYou've got about 9% there at the moment. We just wanna hold 7%. So it does mean just selling some of that physical gold or essentially taking some of the gains that the portfolio has been, cementing those gains, and spreading those out and reinvesting them back in your portfolio. That essentially helps the compounding effect. Does that make sense?\n\nYep. Beautiful. And then we've got the bank hybrids there. These are being phased out in the future as an investment product, so we are looking to remove those now whilst we're making these changes. It makes sense to make all the changes now rather than to do it now and then go back in another two years and make some smaller alterations then.\n\nMaking all the changes at once makes a lot more sense. So we're gonna remove those now whilst we can while we are making these changes. And because with the high growth portfolio, you still wanna have around about 10% in defensive assets. We're going to replace the bank hybrid there with the core composite bonds. We're only gonna hold about 5% of this investment, but it essentially is replacing the defensive component that was held by the bank card reserve.\n\nOkay? As down from aside from those, we're then gonna purchase into some European exposure, some Japanese exposure. We've also got the Vanguard all world index there. That's excluding The US because you have the S and P 500 above that one. And then, obviously, the beta shares a 200 and some bonds in there for defensive component for you.\n\nSo that's the sense of the changes that we wanna make to your portfolio, making sure it works harder for you. With your cash account, we wanna hold or need to hold about 1.25% in cash. So you're a little bit over at the moment, so we'll just also reinvest some of your cash component as well. Okay? If you go down to page 21 for me, you can essentially see the outcome of making these changes.\n\nIt should show you the fee comparison table. Beautiful. So with this one here, you have your current portfolio between hub twenty four and Australian sleeper and the recommended there. You'll see by making the changes, it essentially we are putting more money into Hub twenty four, so the admin fee does increase just slightly there. However, the investment fee between the two funds when making the changes actually saves you for the first year about $394.\n\nSo, essentially, we are expecting a decrease in investment fees, which is a positive for yourself. It's more money staying in your portfolio compounding towards your retirement. Okay? With rolling some funds into Australians into, sorry, hub twenty four from Australian Super, it does obviously mean our ongoing adviser fee is increased just slightly. You do pay us the ongoing service fee for the monitoring and maintenance of looking after your super funds, providing advice, and working towards your goals, and it is 1.65% per annum there.\n\nSo this will increase to slightly expected by about a $198 there. And we also look after the Australian super account as well. So we wanna make sure that we take all the stress of dealing with super away from you, and we're here to support you and provide this advice to make sure it's all working harder. Okay? One of the things we also did talk about was about building your super and if you were comfortable looking at making additional contributions.\n\nAnd so I have had a bit of a look in projecting forward. And while some recommending that you do start salary sacrificing as well, I'm gonna recommend we start small. So starting with $50 on a weekly basis, that essentially gives us 2,600 over the course of the year. Starting smaller means that because you've got a bit more time ahead of you there, we can start smaller, help to see how that feels with your expenditure and with your take home pay, and then kind of build that over time as your comfort level increases. Your employer contributions do need to continue to go into Australian Super.\n\nIt is the best way to go. But I would like to see, if it's possible, if your employer is able to salary sacrifice that $50 on a weekly basis into your hub twenty four account. Essentially, splitting those contributions does work more of a benefit to you because putting a little bit of money into both accounts on a regular basis is basically dollar cost averaging. So you're taking advantage of the market ups and downs that can provide greater benefit long term for you as well. And it means that we have we only have to do smaller rollovers out of Australian Super on a regular basis, which is also a benefit.\n\nOne of the things I sort of, are negative about doing those rollovers every year is that it is a lump sum that's rolled out of Australian Super and into Hub twenty four. So that money is invested all at one time, and that can have an effect on your super if you think about 13,000 being deposited into an investment. If that's all invested, then the next day the market goes down a little bit. Yes. It's been invested in at a downtime.\n\nHowever, it also means that it can take a little bit longer for the portfolio to recover back. So if we're able to split those contributions up through employer contributions to Australian so far, your salary sacrificing to have 24, it means your dollar cost averaging. And then each year when we do rollovers out of Australian Super, just to retain the 10,000, it's a smaller amount, and that can have a greater effect long term on working towards your goals. Does that make sense? And do you have questions so far?\n\nNo. That's all good. Also, with your insurance premiums, they don't change. They stay exactly the same as they are for the time being, and I'll just keep making sure we touch base and have you any reviews every year. Review your insurance levels, and when and if we are able to get new cover, we will.\n\nOtherwise, we can always look at other ways to build wealth and help you to kinda close that risk gap as well. Okay? When you kind of look at the changes we're making and the difference in the portfolio, so they're both high growth portfolios from where you are currently to the recommended. But when we look at how the investments have performed over the past five years, the last of the current high growth portfolio has generally averaged about 10.25%. The newer portfolio has had in the past a greater past performance, which if it can do that again over the next five to ten years can give you a greater return and therefore put you in a much better position.\n\nAnd the next page does show you the projection over the five to ten years and what's estimated based on the rate of return that we you know, what sorry. The portfolio has been able to return over the past five years. Obviously, I do like to make sure you're aware portfolios do react differently. I'm not guaranteeing the return in any way, shape, or form, but this is just showing you how it has performed over the past five years. This year has definitely been a bit up and down with what's happening, and we can never predict what's going to happen, but we use past data on how portfolios have performed to help us project what we expect to happen in the future if we can get the same market conditions there.\n\nOkay. Perfect. Do you have any questions so far? You're welcome to let me know if anything pops up. Yeah.\n\nIt is. Yeah. Absolutely. Underneath that, I go through a bit more around the salary sacrifice. I've explained that to you.\n\nSo feel free to have a read through those as well. In each of the pages here, we have best interest duties. So, essentially, aligning the recommendations to your goals, Essentially, with hub twenty four retaining the super super funds does work in your best interest as you're not having to go through the process of moving all your super out, selling everything down, and moving out. We estimated with looking at the CGT effects, your super actually does do a tax return just like you every year. And in order to make the changes in the portfolio, there's no CGT effect on the super fund.\n\nWe've estimated zero looking at sort of how that is because Bennelong has been down. It's essentially offsetting all the other gains for being able to maneuver the rest of the portfolio for you. So that is one fantastic benefit. It means that there's more money left in your super. Salary sacrificing, again, does mean there's more money compounding and working harder for you.\n\nOne of the big things we tend to not sort of think about is when we get to the age of 60, 65, or 70, depending on when we retire, that's just when we stop officially working. But in retirement, we can often have anywhere between ten, twenty, thirty. Some people spend forty years in retirement, which is a whole another lifetime. So we still need to make sure super works as long as possible in those years. So being able to start salary sacrificing now and adding as much as we can in now, you do get a greater benefit with the compounding effect towards that retirement, but then it continues as it stays invested throughout those retirement years as well.\n\nOkay? Excellent. I've got a table in there for you on page 25, which outlines essentially the difference in the tax effect with salary sacrifices versus not versus your current circumstances there, and salary sacrifices are pretax deductions. So it does help to reduce your overall income tax, which is another great benefit of doing that. The other thing I wanted to kinda touch base on was the the beneficiaries.\n\nSo in the event that something was to happen, you wanted to have your mom as your beneficiary. Unfortunately, with superannuation legislation, in order to be a beneficiary, they have a certain criteria. It needs to be a spouse, a child, someone who isn't has an interdependent relationship with you or someone who relies on you financially. So, essentially, for your if anything was to happen for your mom to go make a claim currently, she would have to be out of prove that she, a, lived with you, relied on you financially, you paid all of her bills, and things like that. That's a pretty tough thing to try and claim again.\n\nSo it doesn't, unfortunately, mean that she would not the nomination wouldn't be valid, and it's probably really horrible for her to have to go through that process because it would come back and they would let her know she wasn't eligible for. And it's probably the worst time in her life to be going and having that claim and being off that court. So I've made a recommendation on page 33 for you where we update your beneficiary nominations. I'm recommending we tick them off as a binding, non lapsing nomination, which means the trustee is bound to follow the direction, and non lapsing means you only have to fill this out one time. You don't have to keep filling the nomination out unless your circumstances change.\n\nAnd then we tick off the legal personal representative box. This essentially means that if you were to unfortunately pass away, your super can be claimed by your executor of your will. The funds from your life insurance and your super just get paid directly to your estate, and then it's really important you have a will done up. And in that will, you can nominate any person you like. Your mom, you can request some money to a charity, your best friend from ten years ago, someone you've just met tomorrow.\n\nYou can nominate anyone you like. And there's a lot more you have a lot more say in how you want the funds to be paid and where to. And that just means that that the funds can be paid to your mom, much easier process involved. And it's just really important you have a will drawn up and a power of attorney if possible as well. If you did do the beneficiary nominations and we had LPR nominated and there's no will in place, it does mean everything still, once it gets paid to your state, goes through probate, which is a terrible, horrible process for for family members to go through.\n\nBut this is the best way to have that nomination set up for your mom. Does that make sense? Do you have questions? Yeah. Which part?\n\nThe beneficiary or the will? We will help you. So we'll get the beneficiary form for hub twenty four. Are you comfortable with our team pre filling that for you, taking the nonlapsing binding, taking the LPR in a 100%? You're comfortable with us doing that for you?\n\nYep. Beautiful. Absolutely. We can fill the pre fill the forms there for you for both hub twenty four and Australian super, and then we can either post them to you or email or both, whatever your preference is. What would you prefer to happen?\n\nYeah. Abs yep. Absolutely. Not a problem. We'll get those out to you.\n\nOnce they are received by yourself, you just gotta check the information is accurate. On the very last page, there is a signature placed for you, and you do have to have it witnessed by two other people. Because it's a legal personal representative, the witness can be your mom. It can be an excellent neighbor, two guys at work, whatever you're comfortable with. That it just has to be someone over 18 and two witnesses on a binding nomination.\n\nSo if you can get them signed and witnessed and sent back to us, we will have them applied. And then as part of the review process each year, will reconfirm that you're still comfortable with that nomination. When and if something happens, you wanna change that nomination, we can absolutely help you. And then it's just really important that you do have a will drawn up really, really quickly. We can always send you some information on a local solicitor that we can refer you through to.\n\nOr often, all all the states do have, like, local trustees, and they do charge only a small amount for a very basic will or a will kit you can pick up from the post office, I think, these days. The last time I saw one was a few weeks back. It was about 30 odd dollars. So you can also just do a will kit that way if it's preferable and easier, but just having a valid will help that beneficiary receive the funds in the, you know, small event that something was to happen to you prematurely. Okay.\n\nYeah. All good. That is a lot, and I get it. You're welcome to go back and have a really good read of that. I've got advantages, disadvantages, lists in there for you, outlining a bit of information on all those strategies for you as well.\n\nIs any questions that might have popped up to mind, or did you want me to re clarify anything further? Or yeah. Yeah. That's okay. What do you if you like, I can send through some information on the local trustee plus maybe a bit of a pricing on the local solicitor where you used to give you a bit of a comparison if you like, just so you've got something to yeah.\n\nAbsolutely. I'll get that email done out for you either this afternoon or tomorrow morning. Is that okay? Fantastic. Lovely.\n\nSo with that one there, Jason, just feel free to take that back. Have a bit of a read of the document. If you enjoy reading, I'm not sure how keen you are, but I've also got the product disclosure statements for how '24 for Australian Super and for any other for the recommendations made, just so you've got some information on that document or DocuSign there to sort of fall back on to read up on. We've also got the appendices, which does outline some of the research that was conducted for you as well. Okay.\n\nSo you're welcome to have a bit of a read through that if you're a little bit bored and want some extra reading material. Not everyone does. Yeah. No. That's okay.\n\nOther than that, it looks like your ID may have expired on oh, no. 12/2026. No. It's fine. Your ID is good.\n\nSorry. It's just a little bit hard to see the 2026 in the back there. Just making sure everything is up to date. But, yeah, look. Honestly, feel free to go back.\n\nHave a bit of a look at the document. Let me know if you do have any questions. And if you're happy to take the recommendations, we'll just get you to sign and return that back, and we can have that implemented nice and quickly there for you. Okay. Thank you.\n\nIt's been an absolute pleasure. I'm so sorry I was running a bit late today, but it's been a a real pleasure to put this together for you. Looking forward to doing reviews and making sure we can work towards your goals. I want you to have the best retirement you can possibly have. You've worked way too hard to not enjoy your retirement years.\n\nAll good. All good. Well, I will let you go. Thank you so much for your time. Are you working this afternoon?\n\nDo you have today off? Beautiful. Any plans for the afternoon or just resting, recuperating? I love it. I love it.\n\nYou enjoy your day off. You deserve it. Thank you so much, Jason. Talk to you soon. See you later.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hi, Jason.","start":2.8,"end":3.52,"sentiment":"neutral","sentiment_score":0.1712670922279358},{"text":"It's Dana from OQ Financial.","start":3.52,"end":5.2,"sentiment":"neutral","sentiment_score":0.1988740772008896},{"text":"How are you today?","start":5.2,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.24562273919582367},{"text":"I'm very well.","start":8.4,"end":9.36,"sentiment":"positive","sentiment_score":0.5563151041666666},{"text":"Thank you.","start":9.36,"end":9.92,"sentiment":"positive","sentiment_score":0.6856816112995148}],"sentiment":"positive","sentiment_score":0.33498150389641523,"num_words":16,"start":2.8,"end":9.92},{"sentences":[{"text":"I had to put in to go through your statement of advice this morning.","start":9.92,"end":12.88,"sentiment":"neutral","sentiment_score":0.15091575628944806},{"text":"I do apologize for running a little bit late there, but is now still a good time there for you?","start":12.88,"end":17.435,"sentiment":"neutral","sentiment_score":0.055397173017263414},{"text":"Fantastic.","start":19.335,"end":19.835,"sentiment":"positive","sentiment_score":0.6859622001647949},{"text":"Before we jump into the call, just to let you know, we do record our calls for quality and training purposes.","start":20.615,"end":24.935001,"sentiment":"neutral","sentiment_score":0.20325271146638052},{"text":"Are you happy for me to proceed with that one?","start":24.935001,"end":27.435001,"sentiment":"neutral","sentiment_score":0.19169454276561737}],"sentiment":"neutral","sentiment_score":0.15290876692443184,"num_words":66,"start":9.92,"end":27.435001},{"sentences":[{"text":"Oh, fantastic.","start":28.980001,"end":29.720001,"sentiment":"positive","sentiment_score":0.42569610476493835},{"text":"And just to also go through security there with you, just to confirm your full name, your date of birth, and address I should have on file?","start":29.86,"end":35.88,"sentiment":"neutral","sentiment_score":0.14146222726062493},{"text":"Yep.","start":38.66,"end":39.16,"sentiment":"neutral","sentiment_score":0.022923581302165985},{"text":"Yep.","start":40.915,"end":41.415,"sentiment":"neutral","sentiment_score":0.0269742663949728},{"text":"Beautiful.","start":46.595,"end":46.995,"sentiment":"positive","sentiment_score":0.39801567792892456}],"sentiment":"neutral","sentiment_score":0.1599620584747754,"num_words":32,"start":28.980001,"end":46.995},{"sentences":[{"text":"Thank you so much for that.","start":46.995,"end":48.355,"sentiment":"positive","sentiment_score":0.5470512410004934},{"text":"So, Jason, I do have your advice document ready to go.","start":48.355,"end":51.96,"sentiment":"neutral","sentiment_score":0.21181601556864652},{"text":"I'm gonna email you a copy of it.","start":52.44,"end":54.04,"sentiment":"neutral","sentiment_score":0.1233285004273057},{"text":"Are you able to access your emails at the moment or preferably not at the moment?","start":54.04,"end":58.46,"sentiment":"neutral","sentiment_score":0.03497297293506563},{"text":"Either way is fine.","start":59.239998,"end":60.3,"sentiment":"neutral","sentiment_score":0.025352980475872755}],"sentiment":"neutral","sentiment_score":0.16133091354535686,"num_words":45,"start":46.995,"end":60.3},{"sentences":[{"text":"Sorry.","start":60.44,"end":60.94,"sentiment":"neutral","sentiment_score":0.003855101764202118},{"text":"Yeah.","start":61.399998,"end":61.879997,"sentiment":"neutral","sentiment_score":0.02618560567498207},{"text":"That's okay.","start":61.879997,"end":62.699997,"sentiment":"neutral","sentiment_score":0.052719924598932266},{"text":"This is normally easier if we kinda go through and have a look at together just so I'm not sort of talking at you at all.","start":63.719997,"end":69.625,"sentiment":"neutral","sentiment_score":0.05155819475364227},{"text":"I'm just sending this one through if you can let me know when it's received.","start":70.805,"end":74.185005,"sentiment":"neutral","sentiment_score":0.07182534063855807}],"sentiment":"neutral","sentiment_score":0.05674163844022486,"num_words":45,"start":60.44,"end":74.185005},{"sentences":[{"text":"There we go.","start":75.925,"end":76.825005,"sentiment":"neutral","sentiment_score":0.0478203184902668},{"text":"Hopefully, your Internet works a bit faster than mine has this morning.","start":76.885,"end":80.22,"sentiment":"neutral","sentiment_score":0.09296030178666115},{"text":"Oh, it is.","start":83.42,"end":85.36,"sentiment":"neutral","sentiment_score":0.054761784772078194},{"text":"Yeah.","start":85.42,"end":85.92,"sentiment":"neutral","sentiment_score":0.07239555567502975},{"text":"There we go.","start":86.54,"end":87.6,"sentiment":"neutral","sentiment_score":0.09925198803345363}],"sentiment":"neutral","sentiment_score":0.08151915686374361,"num_words":22,"start":75.925,"end":87.6},{"sentences":[{"text":"Beautiful.","start":88.380005,"end":88.880005,"sentiment":"positive","sentiment_score":0.33423152565956116},{"text":"Alright.","start":91.58,"end":92.08,"sentiment":"neutral","sentiment_score":0.20200906693935392},{"text":"It says it has sent through, so let's go with that.","start":92.14,"end":95.40501,"sentiment":"neutral","sentiment_score":0.15100203319029373},{"text":"Beautiful.","start":98.185005,"end":98.685005,"sentiment":"neutral","sentiment_score":0.3056589961051941},{"text":"How's your morning been thus far?","start":98.90501,"end":100.58501,"sentiment":"neutral","sentiment_score":0.15248925487200418}],"sentiment":"neutral","sentiment_score":0.17089287415146828,"num_words":20,"start":88.380005,"end":100.58501},{"sentences":[{"text":"Have you had a good day?","start":100.58501,"end":101.805,"sentiment":"neutral","sentiment_score":0.18512225896120071},{"text":"Oh, that is good.","start":103.385,"end":104.425,"sentiment":"positive","sentiment_score":0.4568670690059662},{"text":"That's excellent.","start":104.425,"end":105.065,"sentiment":"positive","sentiment_score":0.6109009385108948},{"text":"And how's everything been going for you so far this year?","start":105.065,"end":107.625,"sentiment":"positive","sentiment_score":0.33823483369567175},{"text":"Did you have a good Christmas, good New Year?","start":107.625,"end":109.965004,"sentiment":"neutral","sentiment_score":0.29870906968911487}],"sentiment":"neutral","sentiment_score":0.33028026577085257,"num_words":32,"start":100.58501,"end":109.965004},{"sentences":[{"text":"Have any time off at all?","start":110.21,"end":111.829994,"sentiment":"neutral","sentiment_score":0.08271703124046326},{"text":"No?","start":114.53,"end":115.03,"sentiment":"neutral","sentiment_score":-0.18865224719047544},{"text":"You got new holidays planned for hopefully the end of the year?","start":115.09,"end":118.07,"sentiment":"neutral","sentiment_score":-0.15690586467583975},{"text":"No.","start":129.345,"end":129.665,"sentiment":"neutral","sentiment_score":-0.32387423515319824},{"text":"Did that mean they sort of paid out all of your leave and you're sort of starting again with the restructure?","start":129.665,"end":133.845,"sentiment":"neutral","sentiment_score":-0.21484819125561488}],"sentiment":"neutral","sentiment_score":-0.15636357774094836,"num_words":41,"start":110.21,"end":133.845},{"sentences":[{"text":"Oh, that's a shame.","start":138.07999,"end":139.28,"sentiment":"negative","sentiment_score":-0.4958823174238205},{"text":"I'm so sorry about that.","start":139.28,"end":140.48,"sentiment":"negative","sentiment_score":-0.45039920806884765},{"text":"You're probably looking forward to that and everything.","start":140.48,"end":142.42,"sentiment":"neutral","sentiment_score":-0.07519622892141342},{"text":"Oh, fantastic.","start":146.4,"end":147.06,"sentiment":"positive","sentiment_score":0.4945942461490631},{"text":"Oh, yeah.","start":148.355,"end":148.83499,"sentiment":"neutral","sentiment_score":0.16966881603002548}],"sentiment":"neutral","sentiment_score":-0.16707471509774527,"num_words":21,"start":138.07999,"end":148.83499},{"sentences":[{"text":"That's honestly okay.","start":148.83499,"end":150.19499,"sentiment":"positive","sentiment_score":0.33606062332789105},{"text":"That happens quite a lot.","start":150.19499,"end":151.655,"sentiment":"neutral","sentiment_score":0.22792895138263702},{"text":"So with this one here, Jason, on the front page there or at the email, it will ask you to just sign sorry.","start":151.875,"end":157.235,"sentiment":"neutral","sentiment_score":0.11943145679390949},{"text":"Click on the button that says sign.","start":157.235,"end":158.595,"sentiment":"neutral","sentiment_score":0.07359701341816358},{"text":"It won't ask you to sign anything.","start":158.595,"end":159.875,"sentiment":"neutral","sentiment_score":0.10221669929368156}],"sentiment":"neutral","sentiment_score":0.1361210249364376,"num_words":45,"start":148.83499,"end":159.875},{"sentences":[{"text":"It just allows you to go forward so you can scroll up and down through the document there.","start":159.875,"end":163.62,"sentiment":"neutral","sentiment_score":0.17382286323441398},{"text":"Excellent.","start":165.29999,"end":165.79999,"sentiment":"positive","sentiment_score":0.6375621557235718},{"text":"On the front page has been prepared for yourself as of the July 15.","start":165.86,"end":170.12,"sentiment":"neutral","sentiment_score":0.28321689473731176},{"text":"On the bottom of the first page, it has my authorized representative number.","start":170.42,"end":173.7,"sentiment":"neutral","sentiment_score":0.15083533582779077},{"text":"I'm a registered financial adviser through ASIC, and that's my registration number there for you.","start":173.7,"end":178.42,"sentiment":"neutral","sentiment_score":0.16653340061505637}],"sentiment":"neutral","sentiment_score":0.19984050156151661,"num_words":61,"start":159.875,"end":178.42},{"sentences":[{"text":"Okay?","start":178.42,"end":178.92,"sentiment":"neutral","sentiment_score":0.13130278885364532},{"text":"I'll make this one nice and simple because you do get to go back and have a really good rate of the document.","start":179.855,"end":184.035,"sentiment":"positive","sentiment_score":0.4754934129507645},{"text":"But, essentially, with this, after your annual review, we completed, we just wanted to have a look at your superannuation, make sure you're invested correctly between your Australian super, and, obviously, your hub twenty four fund there as well, making sure that we're working towards your goal of being able to retire at about age 65.","start":184.33499,"end":200.61,"sentiment":"neutral","sentiment_score":0.2809854916163853},{"text":"Your desired retirement income is around 4 to 5,000 per month when you get to that point.","start":200.99,"end":206.53,"sentiment":"neutral","sentiment_score":0.2613172180512372},{"text":"Okay?","start":206.75,"end":207.25,"sentiment":"neutral","sentiment_score":0.19490797817707065}],"sentiment":"neutral","sentiment_score":0.32081775002333585,"num_words":98,"start":178.42,"end":207.25},{"sentences":[{"text":"You also wanted me to look at seeing if we could get some more income protection for you.","start":208.655,"end":212.815,"sentiment":"neutral","sentiment_score":0.19242159308244786},{"text":"So we did go out there and do some pre assessments and have a look at what options may be available, and I have definitely made some recommendations there for you below as well.","start":212.815,"end":221.075,"sentiment":"positive","sentiment_score":0.4105115138432559},{"text":"And then also to see estate planning side of things.","start":222.56,"end":225.12,"sentiment":"neutral","sentiment_score":0.13486986309289933},{"text":"So when I kinda went back and reviewed, one of the things you mentioned to me was that you wanted to make sure in the event of you passing prematurely that your super and your life cover was paid to your mom.","start":225.12,"end":234.42,"sentiment":"neutral","sentiment_score":0.08779627013774145},{"text":"There are, unfortunately, stipulations around who can be a beneficiary, so I have gone back and assessed that beneficiary and updated the recommendations around the beneficiary nomination for you just to make sure that that can be paid as per your wishes in the event something happens to you.","start":234.89499,"end":251.85,"sentiment":"neutral","sentiment_score":-0.02471335745435588}],"sentiment":"neutral","sentiment_score":0.1388638405725847,"num_words":153,"start":208.655,"end":251.85},{"sentences":[{"text":"Okay?","start":251.85,"end":251.93001,"sentiment":"neutral","sentiment_score":0.087259441614151},{"text":"So it's in the event I want you to get to 65 and enjoy your retirement.","start":251.93001,"end":255.71,"sentiment":"neutral","sentiment_score":0.23151176422834396},{"text":"Hopefully, nothing happens.","start":255.85,"end":257.07,"sentiment":"neutral","sentiment_score":-0.005624199906984965},{"text":"Areas that we're not sort of scoping in, this is sort of down on page number five there for you.","start":259.29,"end":263.77,"sentiment":"neutral","sentiment_score":0.025234974268823863},{"text":"So you were building and trying to build a a deposit so that you could look to purchase a home in the future.","start":263.77,"end":269.30502,"sentiment":"neutral","sentiment_score":0.11456763549991276}],"sentiment":"neutral","sentiment_score":0.10975127256224079,"num_words":63,"start":251.85,"end":269.30502},{"sentences":[{"text":"You were saving approximately $50 on a a about a weekly basis, and you had just over 10,000, which was fantastic.","start":269.765,"end":276.185,"sentiment":"positive","sentiment_score":0.5134019887163526},{"text":"You were trying to save about 80 to 100,000 for a deposit from your first for your home purchase.","start":276.7,"end":282.80002,"sentiment":"positive","sentiment_score":0.4747065682160227},{"text":"How's that going?","start":283.98,"end":285.12,"sentiment":"neutral","sentiment_score":0.0799953043460846},{"text":"Have you kind of increased the savings, or has that sort of held back a bit?","start":285.18,"end":289.36002,"sentiment":"neutral","sentiment_score":-0.06706435699015856},{"text":"No.","start":289.985,"end":290.485,"sentiment":"neutral","sentiment_score":-0.28571176528930664}],"sentiment":"neutral","sentiment_score":0.3113685165842374,"num_words":60,"start":269.765,"end":290.485},{"sentences":[{"text":"Oh, it's a shame.","start":299.905,"end":301.025,"sentiment":"negative","sentiment_score":-0.36734049022197723},{"text":"Well, hopefully, things get a bit easier for you in that area.","start":301.025,"end":304.085,"sentiment":"neutral","sentiment_score":-0.10884922246138255},{"text":"Yeah.","start":304.38498,"end":304.88498,"sentiment":"neutral","sentiment_score":-0.01188059151172638},{"text":"You do also have some shareholdings that you were trying to invest an extra $50 on a monthly basis of to kinda get your target up to a thousand dollars per company holding.","start":305.88,"end":314.62,"sentiment":"neutral","sentiment_score":0.028775344800316925},{"text":"We're not scoping that into the advice at the moment, but we can always help you and provide the financial advice around investment later on down the track if you would like to as well.","start":314.75998,"end":323.245,"sentiment":"neutral","sentiment_score":0.09194582744634577}],"sentiment":"neutral","sentiment_score":0.016238319024662762,"num_words":85,"start":299.905,"end":323.245},{"sentences":[{"text":"Okay?","start":323.245,"end":323.745,"sentiment":"neutral","sentiment_score":0.06144552677869797},{"text":"Excellent.","start":325.325,"end":325.825,"sentiment":"neutral","sentiment_score":0.28419408202171326},{"text":"I have down here around page number nine, the assets and liabilities.","start":327.005,"end":331.345,"sentiment":"neutral","sentiment_score":0.030543202223877113},{"text":"This is sort of sort of noted on what we had last time we were able to catch up with you and update all the details there.","start":331.405,"end":336.91,"sentiment":"neutral","sentiment_score":0.05437364732777631},{"text":"The silver coin collection is based on the current silver price, so that can change and fluctuate.","start":337.05002,"end":342.59003,"sentiment":"neutral","sentiment_score":0.0436636078007081}],"sentiment":"neutral","sentiment_score":0.050388411137050594,"num_words":58,"start":323.245,"end":342.59003},{"sentences":[{"text":"But are there any major changes to, obviously, any of those other assets or liabilities that you wanna have changed in the back end at all?","start":342.81003,"end":350.35,"sentiment":"neutral","sentiment_score":0.00048265620492971863},{"text":"No.","start":353.275,"end":353.435,"sentiment":"neutral","sentiment_score":-0.1215810775756836},{"text":"That's okay.","start":353.435,"end":354.335,"sentiment":"neutral","sentiment_score":0.1605318747460842},{"text":"Fantastic.","start":354.395,"end":354.895,"sentiment":"positive","sentiment_score":0.6532301306724548},{"text":"And then below that, we do have your current super balances between the two Australian super and have 24 there as well.","start":355.595,"end":361.455,"sentiment":"neutral","sentiment_score":0.2087379822676832}],"sentiment":"neutral","sentiment_score":0.10495187449627198,"num_words":52,"start":342.81003,"end":361.455},{"sentences":[{"text":"Okay?","start":361.51498,"end":362.01498,"sentiment":"neutral","sentiment_score":0.11621719598770142},{"text":"Now I'll make things a bit easier, and we'll scroll forward a little bit because you can always go back and read things over.","start":363.24002,"end":367.80002,"sentiment":"neutral","sentiment_score":0.2096552544583877},{"text":"But I'll sort of touch on the the parts that I need to touch on for you.","start":367.80002,"end":371.34,"sentiment":"neutral","sentiment_score":0.13037310014752782},{"text":"So if you can scroll down to page 18 for me, and this has essentially got the heading, the recommended investment superannuation.","start":371.80002,"end":377.915,"sentiment":"neutral","sentiment_score":0.09469720145518129},{"text":"Perfect.","start":388.535,"end":389.035,"sentiment":"positive","sentiment_score":0.4678111672401428}],"sentiment":"neutral","sentiment_score":0.15254516315001707,"num_words":65,"start":361.51498,"end":389.035},{"sentences":[{"text":"So the main with the recommendations, essentially, I'll start by just explaining the insurances to you.","start":389.095,"end":394.37997,"sentiment":"neutral","sentiment_score":0.20172789972275496},{"text":"So we did go out there and have a look and do the pre assessments and have a really good look at what was available.","start":394.37997,"end":399.12,"sentiment":"neutral","sentiment_score":0.20822470784187316},{"text":"Unfortunately, because of what was pre assessed, your BMI and current health conditions, the insurers were not able to provide any new cover.","start":399.58,"end":408.30502,"sentiment":"neutral","sentiment_score":-0.2968301902646604},{"text":"It would come back as a decline if we were able to if we were to put an application through.","start":408.30502,"end":412.945,"sentiment":"neutral","sentiment_score":-0.25655941292643547},{"text":"So it does mean, unfortunately, at this point, we do have to retain Australian sleeper for the insurances with the level of cover you have.","start":412.945,"end":420.15,"sentiment":"neutral","sentiment_score":-0.2779861849546432}],"sentiment":"neutral","sentiment_score":-0.09609791896211992,"num_words":109,"start":389.095,"end":420.15},{"sentences":[{"text":"However, one thing I did find that I can research for you is if you do get a pay increase in the future, let us know straight away.","start":420.47,"end":428.41,"sentiment":"neutral","sentiment_score":0.056928217011903016},{"text":"So Australian Super within the application do have the future increase insurability.","start":428.55,"end":433.455,"sentiment":"neutral","sentiment_score":0.11898747272789478},{"text":"So it essentially with that, it means if you get an increase to your income via house or something changes with income protection, it'll be an increase to your income.","start":433.755,"end":443.275,"sentiment":"neutral","sentiment_score":0.08715417670706908},{"text":"We just need to be able to show what your income was prior to the increase, what your income is after the increase.","start":443.275,"end":448.53,"sentiment":"neutral","sentiment_score":0.027748996594353863},{"text":"And, generally, within a very short period of time, we're able to increase that income protection or get a level of income protection increase for you without any medical underwriting.","start":448.85,"end":458.95,"sentiment":"positive","sentiment_score":0.46560188233852384}],"sentiment":"neutral","sentiment_score":0.16457519058622722,"num_words":123,"start":420.47,"end":458.95},{"sentences":[{"text":"And we have all the information that we have, like, ready to go for you.","start":459.88998,"end":463.715,"sentiment":"positive","sentiment_score":0.5758921364943187},{"text":"So if that does happen, please let us know.","start":463.715,"end":466.355,"sentiment":"neutral","sentiment_score":0.21575885017712912},{"text":"We will help with and talk to Australian Super and find out what we need to do to have that.","start":466.355,"end":470.67502,"sentiment":"neutral","sentiment_score":0.28042115196585654},{"text":"We've got the application, everything ready.","start":470.67502,"end":472.595,"sentiment":"neutral","sentiment_score":0.26300574590762454},{"text":"So we understand majority of their rules, but we just need to be able to show when that pay increase happens that you need to generally let us know within about thirty days of it occurring.","start":472.595,"end":481.9,"sentiment":"neutral","sentiment_score":0.18894084894822705}],"sentiment":"neutral","sentiment_score":0.2856806950686976,"num_words":86,"start":459.88998,"end":481.9},{"sentences":[{"text":"And we need to be able to show them what your pay was prior, what your pay was afterwards, and they will and do provide a bit of a increase on the income protection policy without any additional underwriting, which is more of a benefit to you because any additional underwriting that has occurred does mean that it could make the policy more expensive with loadings and or exclusions on the policy.","start":482.36002,"end":504.72998,"sentiment":"neutral","sentiment_score":0.07280398320613636},{"text":"So we wanna try and avoid that way possible.","start":504.72998,"end":506.91,"sentiment":"neutral","sentiment_score":-0.21736931138568455},{"text":"But, unfortunately, it did mean that retail cover was not available.","start":507.69,"end":510.97,"sentiment":"negative","sentiment_score":-0.349406281655485},{"text":"All the insurers did come back saying they would decline.","start":510.97,"end":513.71,"sentiment":"negative","sentiment_score":-0.3507482290267944},{"text":"But if anything changes health wise, your BMI goes down, let me know.","start":514.425,"end":518.265,"sentiment":"neutral","sentiment_score":-0.15486318732683474}],"sentiment":"neutral","sentiment_score":-0.05285747682918673,"num_words":115,"start":482.36002,"end":518.265},{"sentences":[{"text":"We will reassess things with you on a regular basis.","start":518.265,"end":520.905,"sentiment":"neutral","sentiment_score":0.06310150967910885},{"text":"And when and if new cover becomes available, we'll absolutely look at doing that for you.","start":520.905,"end":526.185,"sentiment":"neutral","sentiment_score":0.07313865912146866},{"text":"Okay?","start":526.185,"end":526.685,"sentiment":"neutral","sentiment_score":0.06302928924560547},{"text":"Other other areas we can definitely look at in the future are to kind of fill that gap because, obviously, having the retail cover, it does leave a bit of a gap in the risk side of things there.","start":527.865,"end":538.89,"sentiment":"neutral","sentiment_score":0.019448415209085513},{"text":"So we can, down the track, also help you to build investments outside of super, so building wealth in other areas to alleviate that gap and give you something to fall back on.","start":538.89,"end":548.125,"sentiment":"neutral","sentiment_score":0.26242644768772705}],"sentiment":"neutral","sentiment_score":0.11396791816999514,"num_words":99,"start":518.265,"end":548.125},{"sentences":[{"text":"Obviously, also having savings set aside does mean you have extra to fall back on the event of not being able to work or having some sort of major diagnosis as well.","start":548.345,"end":557.00494,"sentiment":"neutral","sentiment_score":0.02834920189343393},{"text":"But that just means that we retain the level of cover within Australian Super that you have at the moment as well.","start":557.33997,"end":562.62,"sentiment":"neutral","sentiment_score":0.014742692763155157},{"text":"Okay?","start":562.62,"end":563.12,"sentiment":"neutral","sentiment_score":0.0033870935440063477},{"text":"So I am very sorry we couldn't get it, but I tried every avenue possible.","start":563.18,"end":567.66,"sentiment":"neutral","sentiment_score":-0.10244655571877956},{"text":"And it is really good to know that Australian Super do have that future increase option available to you if you do get a pay rise, and we can show that difference between the income before and after for you.","start":567.66,"end":578.635,"sentiment":"positive","sentiment_score":0.5851748444139957}],"sentiment":"neutral","sentiment_score":0.21004723850637674,"num_words":110,"start":548.345,"end":578.635},{"sentences":[{"text":"Okay?","start":578.635,"end":579.135,"sentiment":"neutral","sentiment_score":0.21985337138175964},{"text":"Excellent.","start":580.235,"end":580.735,"sentiment":"positive","sentiment_score":0.6583409309387207},{"text":"We've also got that information in the appendices for you, which is an attachment to welcome to have a look at those details as well.","start":581.675,"end":588.54,"sentiment":"neutral","sentiment_score":0.32980395913124083},{"text":"Okay?","start":588.54,"end":589.04,"sentiment":"neutral","sentiment_score":0.17035584151744845},{"text":"So because we do have to then retain Australian Super, we just wanna retain that with a minimum balance, so about 10,000 in there.","start":590.38,"end":597.26,"sentiment":"neutral","sentiment_score":0.14606304839253426}],"sentiment":"neutral","sentiment_score":0.2461377362219187,"num_words":52,"start":578.635,"end":597.26},{"sentences":[{"text":"That means at the moment, you have a bit of a 23,000 in there.","start":597.26,"end":600.505,"sentiment":"neutral","sentiment_score":0.13878609293273517},{"text":"So we do want to roll over a 13,101 and have that rolled into Hub '24 so the the money can be invested with the rest of your portfolio, essentially.","start":600.505,"end":611.245,"sentiment":"neutral","sentiment_score":0.22593267261981964},{"text":"Within hub '24, we did have a look at essentially all the investments there.","start":612.44995,"end":617.26996,"sentiment":"neutral","sentiment_score":0.10028981098106929},{"text":"I did go back and look at how they were performing, what you're invested in.","start":617.41,"end":620.44995,"sentiment":"neutral","sentiment_score":0.15433366894721984},{"text":"You're in more of that high growth environment.","start":620.44995,"end":622.38995,"sentiment":"neutral","sentiment_score":0.2695189341902733}],"sentiment":"neutral","sentiment_score":0.18019999186565847,"num_words":81,"start":597.26,"end":622.38995},{"sentences":[{"text":"So that essentially because you have that 9010 split that we went through, does mean that when the portfolios are working really well, you'll get really good growth out of it.","start":622.61,"end":631.555,"sentiment":"neutral","sentiment_score":0.30303421953032095},{"text":"However, when the markets do see a bit of a downtime, that is magnified because you are taking more risk in the market there.","start":631.555,"end":637.73505,"sentiment":"neutral","sentiment_score":-0.2152483449317515},{"text":"So I did go back and just look at all the investments, and I've decided to make some switches essentially just to sort of remove some underperforming investors to also update the portfolio so that it's working harder for you as well.","start":638.195,"end":649.77,"sentiment":"neutral","sentiment_score":0.025282603777235464},{"text":"Essentially, so what we are gonna do, we're just gonna sell off some of the cybersecurity.","start":650.87,"end":654.585,"sentiment":"neutral","sentiment_score":-0.06499275960959494},{"text":"It has been a little bit down this year.","start":655.04504,"end":656.885,"sentiment":"neutral","sentiment_score":-0.12081955704424116}],"sentiment":"neutral","sentiment_score":0.025923850152214042,"num_words":122,"start":622.61,"end":656.885},{"sentences":[{"text":"We'll see it come back in the turnaround.","start":656.885,"end":658.645,"sentiment":"neutral","sentiment_score":-0.07314490992575884},{"text":"We just have to waste that time to come, but you're a bit overexposed at the moment.","start":658.645,"end":662.325,"sentiment":"neutral","sentiment_score":-0.17214918662520015},{"text":"So we just wanna sell some off and bring you back to 6% exposure there.","start":662.325,"end":666.48,"sentiment":"neutral","sentiment_score":-0.08165929019451142},{"text":"With the BetaShares India quality ETF, we are gonna sell that completely out of this portfolio.","start":667.27997,"end":672.33997,"sentiment":"neutral","sentiment_score":-0.009223412023857236},{"text":"And, also, with the Global Healthcare there, we're gonna remove that completely as well.","start":672.95996,"end":677.45996,"sentiment":"neutral","sentiment_score":-0.04448576471103089}],"sentiment":"neutral","sentiment_score":-0.07867085861840419,"num_words":70,"start":656.885,"end":677.45996},{"sentences":[{"text":"With the S and P 500, that's the third one fourth one down.","start":678.0,"end":681.755,"sentiment":"neutral","sentiment_score":0.0012441176491288038},{"text":"Sorry.","start":681.755,"end":681.995,"sentiment":"neutral","sentiment_score":-0.07758957147598267},{"text":"The IVV there.","start":681.995,"end":683.195,"sentiment":"neutral","sentiment_score":-0.11569715291261673},{"text":"You have about 27% exposure there.","start":683.195,"end":685.915,"sentiment":"neutral","sentiment_score":-0.16140157108505568},{"text":"I know there's been a lot with The US and the Iran war over the past, few months.","start":685.915,"end":690.895,"sentiment":"neutral","sentiment_score":-0.18961571902036667}],"sentiment":"neutral","sentiment_score":-0.11682926511346567,"num_words":41,"start":678.0,"end":690.895},{"sentences":[{"text":"However, The US is still a good place to be invested.","start":691.035,"end":693.755,"sentiment":"neutral","sentiment_score":0.2980080053887584},{"text":"It does go through the ups and downs.","start":693.755,"end":695.615,"sentiment":"neutral","sentiment_score":0.05182032287120819},{"text":"However, the Australian economy always also follows through.","start":695.86,"end":698.84,"sentiment":"neutral","sentiment_score":0.14238550141453743},{"text":"So staying invested in the market in The US at the moment is still really important, and we wanted to buy a bit more exposure there.","start":699.06,"end":705.38,"sentiment":"neutral","sentiment_score":0.1966856740988218},{"text":"So we wanna hold 35% exposure on your portfolio.","start":705.38,"end":708.60004,"sentiment":"neutral","sentiment_score":0.24202565517690447}],"sentiment":"neutral","sentiment_score":0.19554504962457764,"num_words":62,"start":691.035,"end":708.60004},{"sentences":[{"text":"So it means we just need to buy a little bit more of the S and P 500 there for you.","start":709.145,"end":713.485,"sentiment":"neutral","sentiment_score":0.16322035803681328},{"text":"Okay?","start":713.625,"end":714.125,"sentiment":"neutral","sentiment_score":0.06797541677951813},{"text":"You've also got the beta shares Raffy a 200 and the Bannalong Australian Equities.","start":715.225,"end":719.705,"sentiment":"neutral","sentiment_score":0.08234353815870625},{"text":"Now Bannalong, that investment has been underperforming this year within that investment portfolio.","start":719.705,"end":725.2,"sentiment":"neutral","sentiment_score":-0.15785121287290865},{"text":"Unfortunately, their investment managers haven't been able to outperform the market.","start":725.2,"end":728.56,"sentiment":"negative","sentiment_score":-0.47812277620488947}],"sentiment":"neutral","sentiment_score":-0.0443833972637852,"num_words":60,"start":709.145,"end":728.56},{"sentences":[{"text":"So they're actually more of an actively managed fund, and that's their role.","start":728.56,"end":732.24,"sentiment":"neutral","sentiment_score":-0.22966079299266523},{"text":"They're trying to outperform the market, and they haven't been able to do so.","start":732.24,"end":735.36,"sentiment":"neutral","sentiment_score":-0.2207275056945426},{"text":"They've had some underlying issues.","start":735.36,"end":737.04,"sentiment":"negative","sentiment_score":-0.3684996604919434},{"text":"So we're looking to get rid of all the then along Australian equities and as such remove the Raffy 200 as well and change your Australian exposure and move you out of any underperforming Australian equities.","start":737.04,"end":748.295,"sentiment":"neutral","sentiment_score":-0.18852173102398714},{"text":"To replace that and keep your Australian equity exposure, we're gonna buy you into the a 200, which is the second one from the bottom.","start":748.675,"end":757.55,"sentiment":"neutral","sentiment_score":0.08910912543535232}],"sentiment":"neutral","sentiment_score":-0.13416481582868484,"num_words":93,"start":728.56,"end":757.55},{"sentences":[{"text":"The main sort of difference between the Bennelong and this one is that Bennelong generally holds anywhere between 15 to 25 different investments, whereas the a 200 is more of a passively managed fund.","start":758.32996,"end":769.60504,"sentiment":"neutral","sentiment_score":0.006595713689046747},{"text":"It tracks the top 200 companies on the ASX, so it's giving you greater diversification.","start":769.745,"end":774.16504,"sentiment":"neutral","sentiment_score":0.2020051655670007},{"text":"And the same as with the S and P five ten 100, If a company doesn't meet the criteria to be in the top 200 companies on the in that indices that this is tracking, they are removed, and then it's replaced with something else.","start":775.10504,"end":788.22003,"sentiment":"neutral","sentiment_score":-0.04347611618124776},{"text":"So companies have a criteria to be within the top 200 index and same with the s and p five So those investments are passively managed.","start":788.22003,"end":796.165,"sentiment":"neutral","sentiment_score":0.02424627710850193},{"text":"They are tracking the indices, and they make changes as per the indices.","start":796.165,"end":800.485,"sentiment":"neutral","sentiment_score":0.12692962414943254}],"sentiment":"neutral","sentiment_score":0.02690522435744454,"num_words":133,"start":758.32996,"end":800.485},{"sentences":[{"text":"So it means you're always following the top 500 companies with the S and P 500.","start":800.485,"end":805.225,"sentiment":"neutral","sentiment_score":0.19377227826043963},{"text":"Or with the a 200, you're essentially always tracking the top 200 companies on the ASX, which is good.","start":805.38,"end":811.38,"sentiment":"positive","sentiment_score":0.36209946008105026},{"text":"It's also a cheaper investment, so it means more money stays invested in your portfolio rather than paid for investment fees, which is a benefit as well.","start":811.38,"end":819.14,"sentiment":"positive","sentiment_score":0.570151851133064},{"text":"Okay?","start":819.14,"end":819.64,"sentiment":"neutral","sentiment_score":0.1192784383893013},{"text":"Excellent.","start":820.675,"end":821.175,"sentiment":"positive","sentiment_score":0.43032747507095337}],"sentiment":"positive","sentiment_score":0.40506175137124956,"num_words":64,"start":800.485,"end":821.175},{"sentences":[{"text":"The JPMorgan Global Research Enhanced Equity Fund there, we are removing that solely.","start":822.035,"end":826.51495,"sentiment":"neutral","sentiment_score":0.04213344678282738},{"text":"It has been fine, but it is more of an actively managed fund.","start":826.51495,"end":829.07495,"sentiment":"neutral","sentiment_score":0.03437665534707216},{"text":"It does cost a lot more to have in your portfolio.","start":829.07495,"end":831.415,"sentiment":"neutral","sentiment_score":0.05370756441896612},{"text":"So we are looking to try and make the portfolio slightly cheaper as well to make sure it's working harder for you, but, obviously, reducing fees is important as well.","start":832.035,"end":840.51,"sentiment":"neutral","sentiment_score":0.11804304694135984},{"text":"Physical gold has done really well, has grown very, very nicely in your portfolio.","start":841.21,"end":846.17004,"sentiment":"positive","sentiment_score":0.6261766489062991}],"sentiment":"neutral","sentiment_score":0.1715207287558803,"num_words":81,"start":822.035,"end":846.17004},{"sentences":[{"text":"You've got about 9% there at the moment.","start":846.17004,"end":848.51,"sentiment":"neutral","sentiment_score":0.2560690622776747},{"text":"We just wanna hold 7%.","start":848.705,"end":850.305,"sentiment":"neutral","sentiment_score":0.15299809873104095},{"text":"So it does mean just selling some of that physical gold or essentially taking some of the gains that the portfolio has been, cementing those gains, and spreading those out and reinvesting them back in your portfolio.","start":850.305,"end":861.525,"sentiment":"neutral","sentiment_score":0.3304430564513078},{"text":"That essentially helps the compounding effect.","start":861.905,"end":864.12,"sentiment":"positive","sentiment_score":0.3408774683872859},{"text":"Does that make sense?","start":864.2,"end":865.33997,"sentiment":"neutral","sentiment_score":0.14688197895884514}],"sentiment":"neutral","sentiment_score":0.29454548011223475,"num_words":60,"start":846.17004,"end":865.33997},{"sentences":[{"text":"Yep.","start":866.68,"end":867.08,"sentiment":"neutral","sentiment_score":0.24316029250621796},{"text":"Beautiful.","start":867.08,"end":867.56,"sentiment":"positive","sentiment_score":0.4828015565872192},{"text":"And then we've got the bank hybrids there.","start":867.56,"end":869.4,"sentiment":"neutral","sentiment_score":0.10423104930669069},{"text":"These are being phased out in the future as an investment product, so we are looking to remove those now whilst we're making these changes.","start":869.4,"end":876.06,"sentiment":"neutral","sentiment_score":0.08426567748188972},{"text":"It makes sense to make all the changes now rather than to do it now and then go back in another two years and make some smaller alterations then.","start":876.615,"end":883.675,"sentiment":"neutral","sentiment_score":0.18184198002363072}],"sentiment":"neutral","sentiment_score":0.13968546251999214,"num_words":64,"start":866.68,"end":883.675},{"sentences":[{"text":"Making all the changes at once makes a lot more sense.","start":884.135,"end":886.375,"sentiment":"positive","sentiment_score":0.36705243621360173},{"text":"So we're gonna remove those now whilst we can while we are making these changes.","start":886.375,"end":890.395,"sentiment":"neutral","sentiment_score":-0.06917568867405256},{"text":"And because with the high growth portfolio, you still wanna have around about 10% in defensive assets.","start":890.84,"end":897.0,"sentiment":"neutral","sentiment_score":0.1364042502554024},{"text":"We're going to replace the bank hybrid there with the core composite bonds.","start":897.0,"end":901.10004,"sentiment":"neutral","sentiment_score":0.11527654471305701},{"text":"We're only gonna hold about 5% of this investment, but it essentially is replacing the defensive component that was held by the bank card reserve.","start":901.32,"end":910.285,"sentiment":"neutral","sentiment_score":0.09257819905877113}],"sentiment":"neutral","sentiment_score":0.11273905901629248,"num_words":81,"start":884.135,"end":910.285},{"sentences":[{"text":"Okay?","start":910.425,"end":910.925,"sentiment":"neutral","sentiment_score":0.1731621026992798},{"text":"As down from aside from those, we're then gonna purchase into some European exposure, some Japanese exposure.","start":913.785,"end":920.1,"sentiment":"neutral","sentiment_score":0.050301521906957906},{"text":"We've also got the Vanguard all world index there.","start":920.1,"end":923.38,"sentiment":"neutral","sentiment_score":0.09261730892790689},{"text":"That's excluding The US because you have the S and P 500 above that one.","start":923.38,"end":928.2,"sentiment":"neutral","sentiment_score":0.03262320831418038},{"text":"And then, obviously, the beta shares a 200 and some bonds in there for defensive component for you.","start":928.26,"end":933.86,"sentiment":"neutral","sentiment_score":0.045860470169120364}],"sentiment":"neutral","sentiment_score":0.05294467238709331,"num_words":60,"start":910.425,"end":933.86},{"sentences":[{"text":"So that's the sense of the changes that we wanna make to your portfolio, making sure it works harder for you.","start":933.86,"end":939.215,"sentiment":"neutral","sentiment_score":0.1200426256372815},{"text":"With your cash account, we wanna hold or need to hold about 1.25% in cash.","start":939.835,"end":944.715,"sentiment":"neutral","sentiment_score":0.060188131779432295},{"text":"So you're a little bit over at the moment, so we'll just also reinvest some of your cash component as well.","start":944.715,"end":949.88,"sentiment":"neutral","sentiment_score":0.09162934727611996},{"text":"Okay?","start":949.88,"end":950.38,"sentiment":"neutral","sentiment_score":0.09399973601102828},{"text":"If you go down to page 21 for me, you can essentially see the outcome of making these changes.","start":952.04,"end":958.27997,"sentiment":"neutral","sentiment_score":0.15286458440517126}],"sentiment":"neutral","sentiment_score":0.10839428892963893,"num_words":77,"start":933.86,"end":958.27997},{"sentences":[{"text":"It should show you the fee comparison table.","start":958.27997,"end":960.86,"sentiment":"neutral","sentiment_score":0.13384476583451033},{"text":"Beautiful.","start":966.525,"end":967.025,"sentiment":"positive","sentiment_score":0.5828624963760376},{"text":"So with this one here, you have your current portfolio between hub twenty four and Australian sleeper and the recommended there.","start":967.565,"end":974.37,"sentiment":"neutral","sentiment_score":0.22949951887130737},{"text":"You'll see by making the changes, it essentially we are putting more money into Hub twenty four, so the admin fee does increase just slightly there.","start":974.52997,"end":982.79,"sentiment":"neutral","sentiment_score":0.25921593463191617},{"text":"However, the investment fee between the two funds when making the changes actually saves you for the first year about $394.","start":983.25,"end":990.415,"sentiment":"positive","sentiment_score":0.49268915681611924}],"sentiment":"neutral","sentiment_score":0.30596359886906366,"num_words":77,"start":958.27997,"end":990.415},{"sentences":[{"text":"So, essentially, we are expecting a decrease in investment fees, which is a positive for yourself.","start":990.415,"end":995.615,"sentiment":"positive","sentiment_score":0.6908792220056057},{"text":"It's more money staying in your portfolio compounding towards your retirement.","start":995.615,"end":999.315,"sentiment":"positive","sentiment_score":0.7045802744952115},{"text":"Okay?","start":999.615,"end":1000.115,"sentiment":"neutral","sentiment_score":0.3092558979988098},{"text":"With rolling some funds into Australians into, sorry, hub twenty four from Australian Super, it does obviously mean our ongoing adviser fee is increased just slightly.","start":1001.73004,"end":1011.35004,"sentiment":"neutral","sentiment_score":0.10678104454508194},{"text":"You do pay us the ongoing service fee for the monitoring and maintenance of looking after your super funds, providing advice, and working towards your goals, and it is 1.65% per annum there.","start":1011.41003,"end":1022.125,"sentiment":"neutral","sentiment_score":0.2741954976862127}],"sentiment":"positive","sentiment_score":0.35561454082014915,"num_words":87,"start":990.415,"end":1022.125},{"sentences":[{"text":"So this will increase to slightly expected by about a $198 there.","start":1022.425,"end":1026.845,"sentiment":"neutral","sentiment_score":0.18732555583119392},{"text":"And we also look after the Australian super account as well.","start":1027.0651,"end":1030.14,"sentiment":"neutral","sentiment_score":0.27751126885414124},{"text":"So we wanna make sure that we take all the stress of dealing with super away from you, and we're here to support you and provide this advice to make sure it's all working harder.","start":1030.3,"end":1038.16,"sentiment":"positive","sentiment_score":0.5107080983264106},{"text":"Okay?","start":1038.22,"end":1038.72,"sentiment":"neutral","sentiment_score":0.2453051209449768},{"text":"One of the things we also did talk about was about building your super and if you were comfortable looking at making additional contributions.","start":1040.22,"end":1047.585,"sentiment":"neutral","sentiment_score":0.24010954921444258}],"sentiment":"positive","sentiment_score":0.35160540205886565,"num_words":83,"start":1022.425,"end":1047.585},{"sentences":[{"text":"And so I have had a bit of a look in projecting forward.","start":1047.8049,"end":1050.785,"sentiment":"neutral","sentiment_score":0.2920908893530185},{"text":"And while some recommending that you do start salary sacrificing as well, I'm gonna recommend we start small.","start":1051.085,"end":1057.11,"sentiment":"neutral","sentiment_score":0.1325814893676175},{"text":"So starting with $50 on a weekly basis, that essentially gives us 2,600 over the course of the year.","start":1057.11,"end":1064.01,"sentiment":"neutral","sentiment_score":0.27492409866107137},{"text":"Starting smaller means that because you've got a bit more time ahead of you there, we can start smaller, help to see how that feels with your expenditure and with your take home pay, and then kind of build that over time as your comfort level increases.","start":1064.39,"end":1077.095,"sentiment":"neutral","sentiment_score":0.2730976013427085},{"text":"Your employer contributions do need to continue to go into Australian Super.","start":1078.275,"end":1082.435,"sentiment":"neutral","sentiment_score":0.05050208047032356}],"sentiment":"neutral","sentiment_score":0.2279708116836504,"num_words":109,"start":1047.8049,"end":1082.435},{"sentences":[{"text":"It is the best way to go.","start":1082.435,"end":1083.895,"sentiment":"neutral","sentiment_score":0.19233130982943944},{"text":"But I would like to see, if it's possible, if your employer is able to salary sacrifice that $50 on a weekly basis into your hub twenty four account.","start":1084.22,"end":1093.28,"sentiment":"neutral","sentiment_score":0.15901240475218872},{"text":"Essentially, splitting those contributions does work more of a benefit to you because putting a little bit of money into both accounts on a regular basis is basically dollar cost averaging.","start":1093.66,"end":1103.535,"sentiment":"positive","sentiment_score":0.3943165483013276},{"text":"So you're taking advantage of the market ups and downs that can provide greater benefit long term for you as well.","start":1103.535,"end":1109.85,"sentiment":"positive","sentiment_score":0.5614925438449496},{"text":"And it means that we have we only have to do smaller rollovers out of Australian Super on a regular basis, which is also a benefit.","start":1110.01,"end":1116.75,"sentiment":"neutral","sentiment_score":0.2463108584857904}],"sentiment":"neutral","sentiment_score":0.3190957688187298,"num_words":114,"start":1082.435,"end":1116.75},{"sentences":[{"text":"One of the things I sort of, are negative about doing those rollovers every year is that it is a lump sum that's rolled out of Australian Super and into Hub twenty four.","start":1117.21,"end":1125.245,"sentiment":"negative","sentiment_score":-0.46007688930540375},{"text":"So that money is invested all at one time, and that can have an effect on your super if you think about 13,000 being deposited into an investment.","start":1125.245,"end":1133.3451,"sentiment":"neutral","sentiment_score":0.23603649477341346},{"text":"If that's all invested, then the next day the market goes down a little bit.","start":1133.645,"end":1137.33,"sentiment":"neutral","sentiment_score":-0.2040203501780828},{"text":"Yes.","start":1137.57,"end":1137.8099,"sentiment":"neutral","sentiment_score":-0.024716872721910477},{"text":"It's been invested in at a downtime.","start":1137.8099,"end":1139.59,"sentiment":"neutral","sentiment_score":-0.12056434527039528}],"sentiment":"neutral","sentiment_score":-0.148839143282246,"num_words":84,"start":1117.21,"end":1139.59},{"sentences":[{"text":"However, it also means that it can take a little bit longer for the portfolio to recover back.","start":1139.89,"end":1144.69,"sentiment":"neutral","sentiment_score":-0.29747945194443065},{"text":"So if we're able to split those contributions up through employer contributions to Australian so far, your salary sacrificing to have 24, it means your dollar cost averaging.","start":1144.69,"end":1154.695,"sentiment":"neutral","sentiment_score":0.1280935944191047},{"text":"And then each year when we do rollovers out of Australian Super, just to retain the 10,000, it's a smaller amount, and that can have a greater effect long term on working towards your goals.","start":1154.695,"end":1165.0499,"sentiment":"positive","sentiment_score":0.44366756549903325},{"text":"Does that make sense?","start":1165.0499,"end":1165.9299,"sentiment":"neutral","sentiment_score":0.16645324975252151},{"text":"And do you have questions so far?","start":1165.9299,"end":1167.7899,"sentiment":"neutral","sentiment_score":0.03542359971574375}],"sentiment":"neutral","sentiment_score":0.15950145106762648,"num_words":92,"start":1139.89,"end":1167.7899},{"sentences":[{"text":"No.","start":1170.73,"end":1170.8899,"sentiment":"negative","sentiment_score":-0.3547516167163849},{"text":"That's all good.","start":1170.8899,"end":1171.95,"sentiment":"neutral","sentiment_score":-0.03823853035767874},{"text":"Also, with your insurance premiums, they don't change.","start":1172.33,"end":1174.6499,"sentiment":"neutral","sentiment_score":-0.02627242263406515},{"text":"They stay exactly the same as they are for the time being, and I'll just keep making sure we touch base and have you any reviews every year.","start":1174.6499,"end":1181.195,"sentiment":"neutral","sentiment_score":0.16980059684387275},{"text":"Review your insurance levels, and when and if we are able to get new cover, we will.","start":1181.255,"end":1185.495,"sentiment":"neutral","sentiment_score":0.07948044709423009}],"sentiment":"neutral","sentiment_score":0.09519188988365625,"num_words":57,"start":1170.73,"end":1185.495},{"sentences":[{"text":"Otherwise, we can always look at other ways to build wealth and help you to kinda close that risk gap as well.","start":1185.495,"end":1190.615,"sentiment":"neutral","sentiment_score":0.2715796069665389},{"text":"Okay?","start":1190.615,"end":1191.115,"sentiment":"neutral","sentiment_score":0.11560863256454468},{"text":"When you kind of look at the changes we're making and the difference in the portfolio, so they're both high growth portfolios from where you are currently to the recommended.","start":1192.95,"end":1200.1699,"sentiment":"neutral","sentiment_score":0.08911562189459801},{"text":"But when we look at how the investments have performed over the past five years, the last of the current high growth portfolio has generally averaged about 10.25%.","start":1200.63,"end":1211.6649,"sentiment":"neutral","sentiment_score":0.10040388070046902},{"text":"The newer portfolio has had in the past a greater past performance, which if it can do that again over the next five to ten years can give you a greater return and therefore put you in a much better position.","start":1211.725,"end":1223.02,"sentiment":"positive","sentiment_score":0.41119446659960396}],"sentiment":"neutral","sentiment_score":0.23306647895789537,"num_words":122,"start":1185.495,"end":1223.02},{"sentences":[{"text":"And the next page does show you the projection over the five to ten years and what's estimated based on the rate of return that we you know, what sorry.","start":1223.08,"end":1232.4401,"sentiment":"neutral","sentiment_score":0.11420657249788443},{"text":"The portfolio has been able to return over the past five years.","start":1232.4401,"end":1235.625,"sentiment":"neutral","sentiment_score":0.19191698310896754},{"text":"Obviously, I do like to make sure you're aware portfolios do react differently.","start":1236.105,"end":1240.685,"sentiment":"neutral","sentiment_score":-0.005437629798857065},{"text":"I'm not guaranteeing the return in any way, shape, or form, but this is just showing you how it has performed over the past five years.","start":1240.985,"end":1247.565,"sentiment":"neutral","sentiment_score":0.025630706133177646},{"text":"This year has definitely been a bit up and down with what's happening, and we can never predict what's going to happen, but we use past data on how portfolios have performed to help us project what we expect to happen in the future if we can get the same market conditions there.","start":1247.88,"end":1262.955,"sentiment":"neutral","sentiment_score":-0.08818639990574909}],"sentiment":"neutral","sentiment_score":0.012321126487439693,"num_words":134,"start":1223.08,"end":1262.955},{"sentences":[{"text":"Okay.","start":1263.195,"end":1263.695,"sentiment":"neutral","sentiment_score":0.2812715172767639},{"text":"Perfect.","start":1265.4349,"end":1265.755,"sentiment":"positive","sentiment_score":0.5937563180923462},{"text":"Do you have any questions so far?","start":1265.755,"end":1267.195,"sentiment":"neutral","sentiment_score":0.25092839768954683},{"text":"You're welcome to let me know if anything pops up.","start":1267.195,"end":1269.5349,"sentiment":"positive","sentiment_score":0.37898650467395784},{"text":"Yeah.","start":1272.635,"end":1273.135,"sentiment":"neutral","sentiment_score":0.161421537399292}],"sentiment":"neutral","sentiment_score":0.32914066016674043,"num_words":20,"start":1263.195,"end":1273.135},{"sentences":[{"text":"It is.","start":1273.755,"end":1274.315,"sentiment":"neutral","sentiment_score":0.1637384369969368},{"text":"Yeah.","start":1274.315,"end":1274.635,"sentiment":"neutral","sentiment_score":0.1953778862953186},{"text":"Absolutely.","start":1274.635,"end":1275.135,"sentiment":"neutral","sentiment_score":0.264162540435791},{"text":"Underneath that, I go through a bit more around the salary sacrifice.","start":1276.99,"end":1279.95,"sentiment":"neutral","sentiment_score":0.006819639044503371},{"text":"I've explained that to you.","start":1279.95,"end":1281.1499,"sentiment":"neutral","sentiment_score":0.11245464086532593}],"sentiment":"neutral","sentiment_score":0.06814886540884063,"num_words":21,"start":1273.755,"end":1281.1499},{"sentences":[{"text":"So feel free to have a read through those as well.","start":1281.1499,"end":1284.19,"sentiment":"neutral","sentiment_score":0.140048894692551},{"text":"In each of the pages here, we have best interest duties.","start":1284.19,"end":1286.75,"sentiment":"neutral","sentiment_score":0.11078347943045876},{"text":"So, essentially, aligning the recommendations to your goals, Essentially, with hub twenty four retaining the super super funds does work in your best interest as you're not having to go through the process of moving all your super out, selling everything down, and moving out.","start":1286.75,"end":1301.835,"sentiment":"neutral","sentiment_score":0.2311626296904352},{"text":"We estimated with looking at the CGT effects, your super actually does do a tax return just like you every year.","start":1301.975,"end":1308.4299,"sentiment":"neutral","sentiment_score":0.23138947430111112},{"text":"And in order to make the changes in the portfolio, there's no CGT effect on the super fund.","start":1308.73,"end":1314.65,"sentiment":"neutral","sentiment_score":0.07658791873190138}],"sentiment":"neutral","sentiment_score":0.18301165989547405,"num_words":106,"start":1281.1499,"end":1314.65},{"sentences":[{"text":"We've estimated zero looking at sort of how that is because Bennelong has been down.","start":1314.65,"end":1318.97,"sentiment":"neutral","sentiment_score":0.016842780262231828},{"text":"It's essentially offsetting all the other gains for being able to maneuver the rest of the portfolio for you.","start":1318.97,"end":1324.795,"sentiment":"neutral","sentiment_score":0.1950836048314446},{"text":"So that is one fantastic benefit.","start":1324.795,"end":1326.7351,"sentiment":"positive","sentiment_score":0.6058985491593679},{"text":"It means that there's more money left in your super.","start":1327.275,"end":1329.6151,"sentiment":"positive","sentiment_score":0.438851660490036},{"text":"Salary sacrificing, again, does mean there's more money compounding and working harder for you.","start":1329.675,"end":1334.415,"sentiment":"neutral","sentiment_score":-0.11008911792721067}],"sentiment":"neutral","sentiment_score":0.16315453819697723,"num_words":64,"start":1314.65,"end":1334.415},{"sentences":[{"text":"One of the big things we tend to not sort of think about is when we get to the age of 60, 65, or 70, depending on when we retire, that's just when we stop officially working.","start":1334.51,"end":1344.43,"sentiment":"neutral","sentiment_score":-0.09116327047750757},{"text":"But in retirement, we can often have anywhere between ten, twenty, thirty.","start":1344.43,"end":1348.51,"sentiment":"neutral","sentiment_score":-0.04713828846191367},{"text":"Some people spend forty years in retirement, which is a whole another lifetime.","start":1348.51,"end":1351.985,"sentiment":"neutral","sentiment_score":-0.0013987596791524154},{"text":"So we still need to make sure super works as long as possible in those years.","start":1352.125,"end":1356.525,"sentiment":"neutral","sentiment_score":0.06994700571522117},{"text":"So being able to start salary sacrificing now and adding as much as we can in now, you do get a greater benefit with the compounding effect towards that retirement, but then it continues as it stays invested throughout those retirement years as well.","start":1356.525,"end":1370.58,"sentiment":"positive","sentiment_score":0.42576877908273175}],"sentiment":"neutral","sentiment_score":0.13029585267249189,"num_words":122,"start":1334.51,"end":1370.58},{"sentences":[{"text":"Okay?","start":1370.58,"end":1371.08,"sentiment":"neutral","sentiment_score":0.1672484278678894},{"text":"Excellent.","start":1372.1,"end":1372.6,"sentiment":"positive","sentiment_score":0.6215541362762451},{"text":"I've got a table in there for you on page 25, which outlines essentially the difference in the tax effect with salary sacrifices versus not versus your current circumstances there, and salary sacrifices are pretax deductions.","start":1373.62,"end":1387.345,"sentiment":"positive","sentiment_score":0.36112165989147293},{"text":"So it does help to reduce your overall income tax, which is another great benefit of doing that.","start":1387.485,"end":1392.7849,"sentiment":"positive","sentiment_score":0.6407764504353205},{"text":"The other thing I wanted to kinda touch base on was the the beneficiaries.","start":1393.75,"end":1397.77,"sentiment":"neutral","sentiment_score":0.14458894729614258}],"sentiment":"positive","sentiment_score":0.3906771955745561,"num_words":70,"start":1370.58,"end":1397.77},{"sentences":[{"text":"So in the event that something was to happen, you wanted to have your mom as your beneficiary.","start":1397.99,"end":1403.13,"sentiment":"neutral","sentiment_score":0.08679401791758007},{"text":"Unfortunately, with superannuation legislation, in order to be a beneficiary, they have a certain criteria.","start":1404.15,"end":1410.525,"sentiment":"neutral","sentiment_score":-0.1671725129087766},{"text":"It needs to be a spouse, a child, someone who isn't has an interdependent relationship with you or someone who relies on you financially.","start":1411.145,"end":1419.0851,"sentiment":"neutral","sentiment_score":-0.09537927418326338},{"text":"So, essentially, for your if anything was to happen for your mom to go make a claim currently, she would have to be out of prove that she, a, lived with you, relied on you financially, you paid all of her bills, and things like that.","start":1419.305,"end":1432.1699,"sentiment":"neutral","sentiment_score":-0.13919202432684277},{"text":"That's a pretty tough thing to try and claim again.","start":1432.1699,"end":1434.89,"sentiment":"negative","sentiment_score":-0.33948276937007904}],"sentiment":"neutral","sentiment_score":-0.11532795366592112,"num_words":113,"start":1397.99,"end":1434.89},{"sentences":[{"text":"So it doesn't, unfortunately, mean that she would not the nomination wouldn't be valid, and it's probably really horrible for her to have to go through that process because it would come back and they would let her know she wasn't eligible for.","start":1434.89,"end":1447.2949,"sentiment":"negative","sentiment_score":-0.3625079209721366},{"text":"And it's probably the worst time in her life to be going and having that claim and being off that court.","start":1447.2949,"end":1451.9349,"sentiment":"negative","sentiment_score":-0.3690084020296733},{"text":"So I've made a recommendation on page 33 for you where we update your beneficiary nominations.","start":1451.9349,"end":1459.64,"sentiment":"neutral","sentiment_score":0.07654758216813207},{"text":"I'm recommending we tick them off as a binding, non lapsing nomination, which means the trustee is bound to follow the direction, and non lapsing means you only have to fill this out one time.","start":1460.5801,"end":1470.885,"sentiment":"neutral","sentiment_score":0.1573875916855676},{"text":"You don't have to keep filling the nomination out unless your circumstances change.","start":1470.885,"end":1474.985,"sentiment":"neutral","sentiment_score":-0.05930110740546997}],"sentiment":"neutral","sentiment_score":-0.13573909700789955,"num_words":128,"start":1434.89,"end":1474.985},{"sentences":[{"text":"And then we tick off the legal personal representative box.","start":1475.525,"end":1479.54,"sentiment":"neutral","sentiment_score":0.041064176335930826},{"text":"This essentially means that if you were to unfortunately pass away, your super can be claimed by your executor of your will.","start":1480.02,"end":1487.9601,"sentiment":"neutral","sentiment_score":0.008321345191110264},{"text":"The funds from your life insurance and your super just get paid directly to your estate, and then it's really important you have a will done up.","start":1488.74,"end":1496.825,"sentiment":"neutral","sentiment_score":0.1272051891794911},{"text":"And in that will, you can nominate any person you like.","start":1496.825,"end":1500.665,"sentiment":"neutral","sentiment_score":0.30432130125435913},{"text":"Your mom, you can request some money to a charity, your best friend from ten years ago, someone you've just met tomorrow.","start":1500.665,"end":1507.165,"sentiment":"neutral","sentiment_score":0.309903927824714}],"sentiment":"neutral","sentiment_score":0.15427904555817012,"num_words":92,"start":1475.525,"end":1507.165},{"sentences":[{"text":"You can nominate anyone you like.","start":1507.49,"end":1509.3301,"sentiment":"positive","sentiment_score":0.3853491147359212},{"text":"And there's a lot more you have a lot more say in how you want the funds to be paid and where to.","start":1509.3301,"end":1514.87,"sentiment":"neutral","sentiment_score":0.2538948648649713},{"text":"And that just means that that the funds can be paid to your mom, much easier process involved.","start":1515.41,"end":1520.55,"sentiment":"positive","sentiment_score":0.39429742263423073},{"text":"And it's just really important you have a will drawn up and a power of attorney if possible as well.","start":1521.4851,"end":1526.4651,"sentiment":"neutral","sentiment_score":0.22348528690636157},{"text":"If you did do the beneficiary nominations and we had LPR nominated and there's no will in place, it does mean everything still, once it gets paid to your state, goes through probate, which is a terrible, horrible process for for family members to go through.","start":1527.005,"end":1540.96,"sentiment":"neutral","sentiment_score":-0.10088099069569421}],"sentiment":"neutral","sentiment_score":0.1334354898570913,"num_words":113,"start":1507.49,"end":1540.96},{"sentences":[{"text":"But this is the best way to have that nomination set up for your mom.","start":1541.0199,"end":1544.86,"sentiment":"neutral","sentiment_score":0.2100224271416664},{"text":"Does that make sense?","start":1544.86,"end":1545.82,"sentiment":"neutral","sentiment_score":0.15636852011084557},{"text":"Do you have questions?","start":1545.82,"end":1546.8799,"sentiment":"neutral","sentiment_score":0.04129149578511715},{"text":"Yeah.","start":1547.8049,"end":1548.3049,"sentiment":"neutral","sentiment_score":0.052589550614356995},{"text":"Which part?","start":1552.365,"end":1553.085,"sentiment":"neutral","sentiment_score":0.026428334414958954}],"sentiment":"neutral","sentiment_score":0.15563164192896622,"num_words":26,"start":1541.0199,"end":1553.085},{"sentences":[{"text":"The beneficiary or the will?","start":1553.085,"end":1554.705,"sentiment":"neutral","sentiment_score":0.01900412663817406},{"text":"We will help you.","start":1559.085,"end":1559.965,"sentiment":"neutral","sentiment_score":0.1010321844369173},{"text":"So we'll get the beneficiary form for hub twenty four.","start":1559.965,"end":1562.68,"sentiment":"neutral","sentiment_score":0.12126558050513267},{"text":"Are you comfortable with our team pre filling that for you, taking the nonlapsing binding, taking the LPR in a 100%?","start":1562.68,"end":1569.56,"sentiment":"neutral","sentiment_score":0.1241658152568908},{"text":"You're comfortable with us doing that for you?","start":1569.56,"end":1571.66,"sentiment":"neutral","sentiment_score":0.14851107634603977}],"sentiment":"neutral","sentiment_score":0.11473699806568523,"num_words":48,"start":1553.085,"end":1571.66},{"sentences":[{"text":"Yep.","start":1572.92,"end":1573.24,"sentiment":"neutral","sentiment_score":0.11383654177188872},{"text":"Beautiful.","start":1573.24,"end":1573.74,"sentiment":"neutral","sentiment_score":0.2249009907245636},{"text":"Absolutely.","start":1575.255,"end":1575.755,"sentiment":"neutral","sentiment_score":0.23321767151355743},{"text":"We can fill the pre fill the forms there for you for both hub twenty four and Australian super, and then we can either post them to you or email or both, whatever your preference is.","start":1576.295,"end":1585.415,"sentiment":"neutral","sentiment_score":0.18457324989140034},{"text":"What would you prefer to happen?","start":1585.415,"end":1587.035,"sentiment":"neutral","sentiment_score":0.07323444820940495}],"sentiment":"neutral","sentiment_score":0.17013330865237447,"num_words":45,"start":1572.92,"end":1587.035},{"sentences":[{"text":"Yeah.","start":1589.7101,"end":1589.9501,"sentiment":"neutral","sentiment_score":0.04651694744825363},{"text":"Abs yep.","start":1589.9501,"end":1591.17,"sentiment":"neutral","sentiment_score":0.0522134720813483},{"text":"Absolutely.","start":1591.31,"end":1591.81,"sentiment":"positive","sentiment_score":0.5534267425537109},{"text":"Not a problem.","start":1592.1901,"end":1593.01,"sentiment":"positive","sentiment_score":0.5537084440390269},{"text":"We'll get those out to you.","start":1593.23,"end":1594.67,"sentiment":"positive","sentiment_score":0.3459559579690297}],"sentiment":"positive","sentiment_score":0.34163320877660924,"num_words":13,"start":1589.7101,"end":1594.67},{"sentences":[{"text":"Once they are received by yourself, you just gotta check the information is accurate.","start":1594.67,"end":1598.61,"sentiment":"neutral","sentiment_score":0.2034150149141039},{"text":"On the very last page, there is a signature placed for you, and you do have to have it witnessed by two other people.","start":1599.15,"end":1604.8351,"sentiment":"neutral","sentiment_score":0.10810975171625614},{"text":"Because it's a legal personal representative, the witness can be your mom.","start":1605.375,"end":1608.8151,"sentiment":"neutral","sentiment_score":0.16476151968042055},{"text":"It can be an excellent neighbor, two guys at work, whatever you're comfortable with.","start":1608.8151,"end":1612.755,"sentiment":"positive","sentiment_score":0.5296553703291076},{"text":"That it just has to be someone over 18 and two witnesses on a binding nomination.","start":1613.055,"end":1618.17,"sentiment":"neutral","sentiment_score":0.14706639060750604}],"sentiment":"neutral","sentiment_score":0.21484774900600315,"num_words":80,"start":1594.67,"end":1618.17},{"sentences":[{"text":"So if you can get them signed and witnessed and sent back to us, we will have them applied.","start":1618.4701,"end":1623.53,"sentiment":"neutral","sentiment_score":0.21667964285925814},{"text":"And then as part of the review process each year, will reconfirm that you're still comfortable with that nomination.","start":1623.67,"end":1629.785,"sentiment":"neutral","sentiment_score":0.23907223579130674},{"text":"When and if something happens, you wanna change that nomination, we can absolutely help you.","start":1630.3251,"end":1634.8251,"sentiment":"positive","sentiment_score":0.38891831040382385},{"text":"And then it's just really important that you do have a will drawn up really, really quickly.","start":1635.125,"end":1639.0651,"sentiment":"neutral","sentiment_score":0.2214780949494418},{"text":"We can always send you some information on a local solicitor that we can refer you through to.","start":1639.74,"end":1644.3,"sentiment":"neutral","sentiment_score":0.12506334649191964}],"sentiment":"neutral","sentiment_score":0.2330605477433313,"num_words":88,"start":1618.4701,"end":1644.3},{"sentences":[{"text":"Or often, all all the states do have, like, local trustees, and they do charge only a small amount for a very basic will or a will kit you can pick up from the post office, I think, these days.","start":1644.3,"end":1655.985,"sentiment":"neutral","sentiment_score":0.0904172751121223},{"text":"The last time I saw one was a few weeks back.","start":1655.985,"end":1657.8251,"sentiment":"neutral","sentiment_score":0.028078004040501335},{"text":"It was about 30 odd dollars.","start":1657.8251,"end":1659.425,"sentiment":"neutral","sentiment_score":0.046115078032016754},{"text":"So you can also just do a will kit that way if it's preferable and easier, but just having a valid will help that beneficiary receive the funds in the, you know, small event that something was to happen to you prematurely.","start":1659.425,"end":1672.98,"sentiment":"neutral","sentiment_score":0.11315023100801877},{"text":"Okay.","start":1673.76,"end":1674.26,"sentiment":"neutral","sentiment_score":0.10195167362689972}],"sentiment":"neutral","sentiment_score":0.09056500893086195,"num_words":100,"start":1644.3,"end":1674.26},{"sentences":[{"text":"Yeah.","start":1676.64,"end":1677.14,"sentiment":"neutral","sentiment_score":0.25451627373695374},{"text":"All good.","start":1677.36,"end":1678.095,"sentiment":"positive","sentiment_score":0.40533362329006195},{"text":"That is a lot, and I get it.","start":1678.335,"end":1680.015,"sentiment":"positive","sentiment_score":0.3414561077952385},{"text":"You're welcome to go back and have a really good read of that.","start":1680.015,"end":1682.735,"sentiment":"positive","sentiment_score":0.48995940960370576},{"text":"I've got advantages, disadvantages, lists in there for you, outlining a bit of information on all those strategies for you as well.","start":1682.735,"end":1690.115,"sentiment":"neutral","sentiment_score":0.23216744309121912}],"sentiment":"neutral","sentiment_score":0.332043227294217,"num_words":46,"start":1676.64,"end":1690.115},{"sentences":[{"text":"Is any questions that might have popped up to mind, or did you want me to re clarify anything further?","start":1690.7001,"end":1695.52,"sentiment":"neutral","sentiment_score":0.07183796092867852},{"text":"Or yeah.","start":1695.66,"end":1698.16,"sentiment":"neutral","sentiment_score":0.03653396666049957},{"text":"Yeah.","start":1700.38,"end":1700.88,"sentiment":"neutral","sentiment_score":0.025802716612815857},{"text":"That's okay.","start":1702.3151,"end":1702.875,"sentiment":"neutral","sentiment_score":0.18259678035974503},{"text":"What do you if you like, I can send through some information on the local trustee plus maybe a bit of a pricing on the local solicitor where you used to give you a bit of a comparison if you like, just so you've got something to yeah.","start":1702.875,"end":1715.98,"sentiment":"neutral","sentiment_score":0.04695357234838108}],"sentiment":"neutral","sentiment_score":0.05691225893081051,"num_words":73,"start":1690.7001,"end":1715.98},{"sentences":[{"text":"Absolutely.","start":1715.98,"end":1716.48,"sentiment":"positive","sentiment_score":0.5041456818580627},{"text":"I'll get that email done out for you either this afternoon or tomorrow morning.","start":1716.7,"end":1720.22,"sentiment":"positive","sentiment_score":0.3376989151750292},{"text":"Is that okay?","start":1720.22,"end":1721.0399,"sentiment":"neutral","sentiment_score":0.22954396903514862},{"text":"Fantastic.","start":1722.7799,"end":1723.2799,"sentiment":"positive","sentiment_score":0.8207001686096191},{"text":"Lovely.","start":1723.8999,"end":1724.3999,"sentiment":"positive","sentiment_score":0.7798290252685547}],"sentiment":"positive","sentiment_score":0.37605457976460455,"num_words":20,"start":1715.98,"end":1724.3999},{"sentences":[{"text":"So with that one there, Jason, just feel free to take that back.","start":1724.94,"end":1727.58,"sentiment":"positive","sentiment_score":0.4276558000307817},{"text":"Have a bit of a read of the document.","start":1727.58,"end":1729.2799,"sentiment":"neutral","sentiment_score":0.2219995359579722},{"text":"If you enjoy reading, I'm not sure how keen you are, but I've also got the product disclosure statements for how '24 for Australian Super and for any other for the recommendations made, just so you've got some information on that document or DocuSign there to sort of fall back on to read up on.","start":1729.58,"end":1747.32,"sentiment":"neutral","sentiment_score":0.20544993552294644},{"text":"We've also got the appendices, which does outline some of the research that was conducted for you as well.","start":1747.32,"end":1752.44,"sentiment":"neutral","sentiment_score":0.15287537166946813},{"text":"Okay.","start":1752.44,"end":1752.94,"sentiment":"neutral","sentiment_score":0.11466188728809357}],"sentiment":"neutral","sentiment_score":0.22553156316280365,"num_words":97,"start":1724.94,"end":1752.94},{"sentences":[{"text":"So you're welcome to have a bit of a read through that if you're a little bit bored and want some extra reading material.","start":1753.0,"end":1758.0599,"sentiment":"neutral","sentiment_score":0.17351307844122252},{"text":"Not everyone does.","start":1760.135,"end":1761.355,"sentiment":"neutral","sentiment_score":-0.07293273508548737},{"text":"Yeah.","start":1762.7749,"end":1763.1749,"sentiment":"neutral","sentiment_score":-0.01065461989492178},{"text":"No.","start":1763.1749,"end":1763.335,"sentiment":"neutral","sentiment_score":-0.04447632282972336},{"text":"That's okay.","start":1763.335,"end":1764.1549,"sentiment":"neutral","sentiment_score":-0.021888679824769497}],"sentiment":"neutral","sentiment_score":0.12408410886963529,"num_words":31,"start":1753.0,"end":1764.1549},{"sentences":[{"text":"Other than that, it looks like your ID may have expired on oh, no.","start":1765.1749,"end":1769.6749,"sentiment":"neutral","sentiment_score":-0.052576963789761066},{"text":"12/2026.","start":1769.735,"end":1770.855,"sentiment":"neutral","sentiment_score":-0.04771889001131058},{"text":"No.","start":1770.855,"end":1771.095,"sentiment":"neutral","sentiment_score":-0.004635486751794815},{"text":"It's 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back.","start":1778.4199,"end":1779.86,"sentiment":"neutral","sentiment_score":0.10812805220484734}],"sentiment":"neutral","sentiment_score":-0.0033005132572725415,"num_words":32,"start":1772.215,"end":1779.86},{"sentences":[{"text":"Have a bit of a look at the document.","start":1779.86,"end":1781.2999,"sentiment":"neutral","sentiment_score":0.16942171255747476},{"text":"Let me know if you do have any questions.","start":1781.2999,"end":1783.24,"sentiment":"neutral","sentiment_score":0.21594670746061537},{"text":"And if you're happy to take the recommendations, we'll just get you to sign and return that back, and we can have that implemented nice and quickly there for you.","start":1783.78,"end":1790.685,"sentiment":"positive","sentiment_score":0.35131306449572247},{"text":"Okay.","start":1790.8451,"end":1791.3451,"sentiment":"neutral","sentiment_score":0.21384823322296145},{"text":"Thank 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Jason speaking. Not bad. And yourself? Yeah. It's a good time. Yes. That's fine. Yep. Jason Matron going on the sixteenth of the second nineteen eighty. Current address is 15 Bloom, Curringanes, Victoria 3337. Yeah. I can. Yeah. No worries. It is what it is. Alrighty. Let's let's have a look. So far, so good. No. I haven't had any time off. No. Well, I was planning to go to Japan, but then where I was working changed company, so I had to put it on hold for another year. Yeah. Pretty much. I gotta wait until I get some leave up again. Yes. While these things happen. Well, I got your email. Went to my junk file. Yes. I've got that. Yep. Yes. Yep. Yes. Yep. Yep. Yes. Yeah. No. Not really. Because the way the pay structure works, I've got different pays almost every fortnight over an eight week cycle, so I'm finding it really hard to consistently save. Yeah. Yeah. Yeah. No worries. Not at the moment. No. Yeah. Yep. Okay. Page 18. Yep. Yep. Yep. No worries. Mhmm. Yeah. No. It's Yep. Yep. Yep. Yep. Mhmm. Yep. Yep. Yep. Yep. Yep. Sounds good. Yep. Yep. Yep. Okay. One moment. Yes. Yep. Yep. No. No question. So far, it doesn't make sense. Yeah. I understand. I just yeah. It's pretty straightforward so far. Yep. Yep. Yep. Yeah. Yep. Yeah. Yeah. So how do how how does that get set up? But will I understand the beneficiary? Do I have to do that? Or yes. Yeah. You guys know what you're doing? I've got no idea. I prefer both, email and posted. Yep. Yep. No worries. No. It's pretty good. I just gotta go look find someone that can sort of do wheels realistically. Yeah. That would help. Yeah. Sounds good. Yep. Yeah. It'll take me a while to sorta go through it, though. Yeah. No worries. Yes. That is very true. No. Today's day off. Today's a day off. Just chilling at the moment. Just chilling. That's all I'm doing. No worries. You have a good day. Alright. 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Jason speaking. Not bad. And yourself? Yeah.\n\nIt's a good time. Yes. That's fine. Yep. Jason Matron going on the sixteenth of the second nineteen eighty.\n\nCurrent address is 15 Bloom, Curringanes, Victoria 3337. Yeah. I can. Yeah. No worries.\n\nIt is what it is. Alrighty. Let's let's have a look. So far, so good. No.\n\nI haven't had any time off. No. Well, I was planning to go to Japan, but then where I was working changed company, so I had to put it on hold for another year. Yeah. Pretty much.\n\nI gotta wait until I get some leave up again. Yes. While these things happen. Well, I got your email. Went to my junk file.\n\nYes. I've got that. Yep. Yes. Yep.\n\nYes. Yep. Yep. Yes. Yeah.\n\nNo. Not really. Because the way the pay structure works, I've got different pays almost every fortnight over an eight week cycle, so I'm finding it really hard to consistently save. Yeah. Yeah.\n\nYeah. No worries. Not at the moment. No. Yeah.\n\nYep. Okay. Page 18. Yep. Yep.\n\nYep. No worries. Mhmm. Yeah. No.\n\nIt's Yep. Yep. Yep. Yep. Mhmm.\n\nYep. Yep. Yep. Yep. Yep.\n\nSounds good. Yep. Yep. Yep. Okay.\n\nOne moment. Yes. Yep. Yep. No.\n\nNo question. So far, it doesn't make sense. Yeah. I understand. I just yeah.\n\nIt's pretty straightforward so far. Yep. Yep. Yep. Yeah.\n\nYep. Yeah. Yeah. So how do how how does that get set up? But will I understand the beneficiary?\n\nDo I have to do that? Or yes. Yeah. You guys know what you're doing? I've got no idea.\n\nI prefer both, email and posted. Yep. Yep. No worries. No.\n\nIt's pretty good. I just gotta go look find someone that can sort of do wheels realistically. Yeah. That would help. Yeah.\n\nSounds good. Yep. Yeah. It'll take me a while to sorta go through it, though. Yeah.\n\nNo worries. Yes. That is very true. No. Today's day off.\n\nToday's a day off. Just chilling at the moment. Just chilling. That's all I'm doing. No worries.\n\nYou have a good day. Alright. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.56,"end":0.88,"sentiment":"neutral","sentiment_score":0.03584310784935951},{"text":"Jason speaking.","start":0.88,"end":1.78,"sentiment":"neutral","sentiment_score":0.02797491755336523},{"text":"Not bad.","start":6.7999997,"end":7.2799997,"sentiment":"neutral","sentiment_score":0.21944251656532288},{"text":"And yourself?","start":7.2799997,"end":8.02,"sentiment":"neutral","sentiment_score":0.1450810208916664},{"text":"Yeah.","start":17.485,"end":17.805,"sentiment":"neutral","sentiment_score":0.2127114236354828}],"sentiment":"neutral","sentiment_score":0.12919393018819392,"num_words":8,"start":0.56,"end":17.805},{"sentences":[{"text":"It's a good time.","start":17.805,"end":18.945,"sentiment":"positive","sentiment_score":0.44336435198783875},{"text":"Yes.","start":27.805,"end":28.045,"sentiment":"neutral","sentiment_score":0.11786514520645142},{"text":"That's 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how does that get set up?","start":1548.4249,"end":1551.6449,"sentiment":"neutral","sentiment_score":0.056320366263389585},{"text":"But will I understand the beneficiary?","start":1555.705,"end":1557.4049,"sentiment":"neutral","sentiment_score":0.005897330120205879}],"sentiment":"neutral","sentiment_score":0.04145449380341329,"num_words":19,"start":1475.965,"end":1557.4049},{"sentences":[{"text":"Do I have to do that?","start":1557.465,"end":1558.4249,"sentiment":"neutral","sentiment_score":0.008093276216338078},{"text":"Or yes.","start":1558.4249,"end":1566.79,"sentiment":"neutral","sentiment_score":0.10400350764393806},{"text":"Yeah.","start":1571.97,"end":1572.47,"sentiment":"neutral","sentiment_score":0.08612862229347229},{"text":"You guys know what you're doing?","start":1572.6901,"end":1573.81,"sentiment":"neutral","sentiment_score":0.12716242422660193},{"text":"I've got no 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good.","start":1696.385,"end":1697.185,"sentiment":"neutral","sentiment_score":0.11669692397117615},{"text":"I just gotta go look find someone that can sort of do wheels realistically.","start":1697.185,"end":1701.605,"sentiment":"neutral","sentiment_score":0.039796417845146995},{"text":"Yeah.","start":1713.96,"end":1714.28,"sentiment":"neutral","sentiment_score":0.06346626579761505},{"text":"That would help.","start":1714.28,"end":1715.26,"sentiment":"neutral","sentiment_score":0.13822456200917563},{"text":"Yeah.","start":1721.4451,"end":1721.685,"sentiment":"positive","sentiment_score":0.34273475408554077}],"sentiment":"neutral","sentiment_score":0.07855069671164859,"num_words":22,"start":1696.385,"end":1721.685},{"sentences":[{"text":"Sounds 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worries.","start":1831.1449,"end":1831.7849,"sentiment":"positive","sentiment_score":0.459429606795311}],"sentiment":"positive","sentiment_score":0.33467450255856795,"num_words":17,"start":1820.06,"end":1831.7849},{"sentences":[{"text":"You have a good day.","start":1831.7849,"end":1832.765,"sentiment":"positive","sentiment_score":0.6630179047584533},{"text":"Alright.","start":1835.5449,"end":1835.865,"sentiment":"neutral","sentiment_score":0.19966751337051392},{"text":"Bye.","start":1835.865,"end":1836.365,"sentiment":"neutral","sentiment_score":0.17469871044158936}],"sentiment":"positive","sentiment_score":0.5270651068006244,"num_words":7,"start":1831.7849,"end":1836.365}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Jason speaking.\n\nChannel 0: Hi, Jason. It's Dana from OQ Financial. How are you today?\n\nChannel 1: Not bad. And yourself?\n\nChannel 0: I'm very well. Thank you. I had to put in to go through your statement of advice this morning. I do apologize for running a little bit late there, but is now still a good time there for you?\n\nChannel 1: Yeah. It's a good time.\n\nChannel 0: Fantastic. Before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that one?\n\nChannel 1: Yes. That's fine.\n\nChannel 0: Oh, fantastic. And just to also go through security there with you, just to confirm your full name, your date of birth, and address I should have on file?\n\nChannel 1: Yep. Jason Matron going on the sixteenth\n\nChannel 0: Yep.\n\nChannel 1: of the second nineteen eighty. Current address\n\nChannel 0: Yep.\n\nChannel 1: is 15 Bloom, Curringanes, Victoria 3337.\n\nChannel 0: Beautiful. Thank you so much for that. So, Jason, I do have your advice document ready to go. I'm gonna email you a copy of it. Are you able to access your emails at the moment or preferably not at the moment?\n\nEither way is\n\nChannel 1: Yeah.\n\nChannel 0: fine.\n\nChannel 1: I can.\n\nChannel 0: Sorry. Yeah. That's okay. This is normally easier if we kinda go through and have a look at together just so I'm not sort of talking at you at all. I'm just sending this one through if you can let me know when it's received.\n\nChannel 1: Yeah. No\n\nChannel 0: There\n\nChannel 1: worries.\n\nChannel 0: we go. Hopefully, your Internet works a bit faster than mine has this morning.\n\nChannel 1: It is what\n\nChannel 0: Oh,\n\nChannel 1: it is.\n\nChannel 0: it is. Yeah. There we go. Beautiful. Alright.\n\nIt says it has sent through, so let's go with that.\n\nChannel 1: Alrighty. Let's let's have\n\nChannel 0: Beautiful.\n\nChannel 1: a\n\nChannel 0: How's your morning\n\nChannel 1: look.\n\nChannel 0: been thus far?\n\nChannel 1: So\n\nChannel 0: Have you had a good day?\n\nChannel 1: far, so good.\n\nChannel 0: Oh, that is good. That's excellent. And how's everything been going for you so far this year? Did you have a good Christmas, good New Year? Have any time off at all?\n\nChannel 1: No. I haven't had any time off.\n\nChannel 0: No? You got new holidays planned\n\nChannel 1: No.\n\nChannel 0: for hopefully the end of the year?\n\nChannel 1: Well, I was planning to go to Japan, but then where I was working changed company, so I had to put it on hold for another\n\nChannel 0: No. Did that mean they sort of paid out\n\nChannel 1: year.\n\nChannel 0: all of your leave and you're sort of starting again with the restructure?\n\nChannel 1: Yeah. Pretty much. I gotta wait until I get some leave up again.\n\nChannel 0: Oh, that's a shame. I'm so sorry about that. You're probably looking forward to that and everything.\n\nChannel 1: Yes. While these things happen. Well, I got your email.\n\nChannel 0: Oh,\n\nChannel 1: Went\n\nChannel 0: fantastic.\n\nChannel 1: to my junk file.\n\nChannel 0: Oh, yeah. That's honestly okay. That happens quite a lot. So with this one here, Jason, on the front page there or at the email, it will ask you to just sign sorry. Click on the button that says sign.\n\nIt won't ask you to sign anything. It just allows you to go forward so you can scroll up and down through the document there.\n\nChannel 1: Yes. I've got that.\n\nChannel 0: Excellent. On the front page has been prepared for yourself as of the July 15. On the bottom of the first page, it has my authorized representative number. I'm a registered financial adviser through ASIC, and that's my registration number there for you. Okay?\n\nChannel 1: Yep.\n\nChannel 0: I'll make this one nice and simple because you do get to go back and have a really good rate of the document. But, essentially, with this, after your annual review, we completed, we just wanted to have a look at your superannuation, make sure you're invested correctly between your Australian super, and, obviously, your hub twenty four fund there as well, making sure that we're working towards your goal of being able to retire at about age 65. Your desired\n\nChannel 1: Yes.\n\nChannel 0: retirement income is around 4 to 5,000 per month when you get to that point. Okay? You also wanted me to look at seeing if we could get some more income protection for you. So we did go out there and do some pre assessments and have a look at what options may be available, and I have definitely made some recommendations there for you below as well.\n\nChannel 1: Yep.\n\nChannel 0: And then also to see estate planning side of things. So when I kinda went back and reviewed, one of the things you mentioned to me was that you wanted to make sure in the event of you passing prematurely that your super and your life cover was paid to your mom. There are,\n\nChannel 1: Yes.\n\nChannel 0: unfortunately, stipulations around who can be a beneficiary, so I have gone back and assessed that beneficiary and updated the recommendations around the beneficiary nomination for you just to make sure that that can be paid as per your wishes in the event something happens\n\nChannel 1: Yep.\n\nChannel 0: to you. Okay? So it's in the event I want you to get to 65 and enjoy your retirement. Hopefully, nothing happens.\n\nChannel 1: Yep.\n\nChannel 0: Areas that we're not sort of scoping in, this is sort of down on page number five there for you. So you were building and trying to build a a deposit so that you could look to purchase a home in the future. You were\n\nChannel 1: Yes.\n\nChannel 0: saving approximately $50 on a a about a weekly basis, and you had just over 10,000, which was fantastic. You were trying to save about 80 to 100,000 for a deposit from your first for your home purchase.\n\nChannel 1: Yeah.\n\nChannel 0: How's that going? Have you kind of increased the savings, or has that sort of\n\nChannel 1: No.\n\nChannel 0: held back\n\nChannel 1: Not really.\n\nChannel 0: a bit?\n\nChannel 1: Because the way\n\nChannel 0: No.\n\nChannel 1: the pay structure works, I've got different pays almost every fortnight over an eight week cycle, so I'm finding it really hard to consistently save.\n\nChannel 0: Oh, it's a shame. Well, hopefully, things get a bit easier for you in that area. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: You do also have some shareholdings that you were trying to invest an extra $50 on a monthly basis of to kinda get your target up\n\nChannel 1: Yeah.\n\nChannel 0: to a thousand dollars per company holding. We're not scoping that into the advice at the moment, but we can always help you and provide the financial advice around investment later on down the track if you would like to as well. Okay?\n\nChannel 1: Yeah. No worries.\n\nChannel 0: Excellent. I have down here around page number nine, the assets and liabilities. This is sort of sort of noted on what we had last time we were able to catch up with you and update all the details there. The silver coin collection is based on the current silver price, so that can change and fluctuate. But are there any major changes to, obviously, any of those other assets or liabilities that you wanna have changed in the back end at all?\n\nChannel 1: Not at the moment. No.\n\nChannel 0: No. That's okay. Fantastic. And then below that, we do have your current super balances between the two Australian super and have 24 there as well. Okay?\n\nChannel 1: Yeah.\n\nChannel 0: Now I'll make things a bit easier, and we'll scroll forward a little bit because you can always go back and read things over. But I'll sort of touch on the the parts that I need to touch on for you. So if you can scroll down to page 18 for me, and this has essentially got the heading, the recommended investment superannuation.\n\nChannel 1: Yep. Okay. Page 18.\n\nChannel 0: Perfect. So the main with the recommendations, essentially, I'll start by just explaining the insurances to you. So we did go out there and have a look and do the pre assessments and have a really good look at what was available. Unfortunately, because of what was pre assessed, your BMI and current health conditions, the insurers were not able to provide any new cover. It would come back as a decline if we were able to if we were to put an application through.\n\nSo it does mean, unfortunately, at this point, we do have to retain Australian sleeper for the insurances with the level of cover you have. However,\n\nChannel 1: Yep.\n\nChannel 0: one thing I did find that I can research for you is if you do get a pay increase in the future, let us know straight away. So Australian Super within the application do have the future increase insurability. So it essentially with that, it means if you get an increase to your income via house or something changes with income protection, it'll be an increase to your income. We just need to be able to show what your income was prior to the increase, what your income is after the increase. And, generally, within a very short period of time, we're able to increase that income protection or get a level of income protection increase for you without any medical underwriting.\n\nAnd we have all the information that we have, like, ready to go for you. So if that does happen, please let us know. We will help with and talk to Australian Super and find out what we need to do to have that. We've got the application, everything ready. So we understand majority of their rules, but we just need to be able to show when that pay increase happens that you need to generally let us know within about thirty days of it occurring.\n\nAnd\n\nChannel 1: Yep.\n\nChannel 0: we need to be able to show them what your pay was prior, what your pay was afterwards, and they will and do provide a bit of a increase on the income protection policy without any additional underwriting, which is more of a benefit to you because any additional underwriting that has occurred does mean that it could make the policy more expensive with loadings and or exclusions on the policy. So we wanna try and avoid that way possible. But,\n\nChannel 1: Yep.\n\nChannel 0: unfortunately, it did mean that retail cover was not available. All the insurers did come back saying they would decline. But if anything changes health wise, your BMI goes down, let me know. We will reassess things with you on a regular basis. And when and if new cover becomes available, we'll absolutely look at doing that for you.\n\nOkay?\n\nChannel 1: No worries.\n\nChannel 0: Other other areas we can definitely look at in the future are to kind of fill that gap because, obviously, having the retail cover, it does leave a bit of a gap in the risk side of things there. So we can, down the track, also help you to build investments outside of super, so building wealth in other areas to alleviate that gap and give you something to fall back on. Obviously, also having savings set aside does mean you have extra to fall back on the event of not being able to work or having some sort of major diagnosis as well. But that\n\nChannel 1: Mhmm.\n\nChannel 0: just means that we retain the level of cover within Australian Super that you have at the moment as well. Okay? So\n\nChannel 1: Yeah.\n\nChannel 0: I\n\nChannel 1: No.\n\nChannel 0: am\n\nChannel 1: It's\n\nChannel 0: very sorry we couldn't get it, but I tried every avenue possible. And it is really good to know that Australian Super do have that future increase option available to you if you do get a pay rise, and we can show that difference between the income before and after for you. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Excellent. We've also got that information in the appendices for you, which is an attachment to welcome to have a look at those details as well. Okay? So because we do have to then retain Australian Super, we just wanna retain that with a minimum balance, so about 10,000 in there. That means at the moment, you have a bit of a 23,000 in there.\n\nSo we do want to roll over a 13,101 and have that rolled into Hub '24 so the the money can be invested with the rest of your portfolio, essentially.\n\nChannel 1: Yep.\n\nChannel 0: Within hub '24, we did have a look at essentially all the investments there. I did go back and look at how they were performing, what you're invested in. You're in more of that high growth environment. So that essentially because you have that 9010 split that we went through, does mean that when the portfolios are working really well, you'll get really good growth out of it. However, when the markets do see a bit of a downtime, that is magnified because you are taking more risk in the market there.\n\nSo I did go back and\n\nChannel 1: Yep.\n\nChannel 0: just look at all the investments, and I've decided to make some switches essentially just to sort of remove some underperforming investors to also update the portfolio so that it's working harder for you as well.\n\nChannel 1: Yep.\n\nChannel 0: Essentially, so what we are gonna do, we're just gonna sell off some of the cybersecurity. It has been a little bit down this year. We'll see it come back in the turnaround. We just have to waste that time to come, but you're a bit overexposed at the moment. So we just wanna sell some off and bring you back to 6% exposure there.\n\nWith the BetaShares India quality ETF, we are gonna sell that completely out of this portfolio. And, also, with the Global Healthcare there, we're gonna remove that completely as well. With the S and P 500, that's the third one fourth one down. Sorry. The IVV there.\n\nYou have about 27% exposure there. I know there's been a lot with The US and the Iran war over the past, few months. However, The US is still a good place to be invested. It does go through the ups and downs. However, the Australian economy always also follows through.\n\nSo staying invested in the market in The US at the moment is still really important, and we wanted to buy a bit more exposure there. So we wanna hold 35% exposure on your portfolio. So it means we just need to buy a little bit more of the S and P 500 there for you. Okay?\n\nChannel 1: Mhmm.\n\nChannel 0: You've also got the beta shares Raffy a 200 and the Bannalong Australian Equities. Now Bannalong, that investment has been underperforming this year within that investment portfolio. Unfortunately, their investment managers haven't been able to outperform the market. So they're actually more of an actively managed fund, and that's their role. They're trying to outperform the market, and they haven't been able to do so.\n\nThey've had some underlying issues. So we're looking to get rid of all the then along Australian equities and as such remove the Raffy 200 as well and change your Australian exposure and move you out of any underperforming Australian equities. To replace\n\nChannel 1: Yep.\n\nChannel 0: that and keep your Australian equity exposure, we're gonna buy you into the a 200, which is the second one from the bottom.\n\nChannel 1: Yep.\n\nChannel 0: The main sort of difference between the Bennelong and this one is that Bennelong generally holds anywhere between 15 to 25 different investments, whereas the a 200 is more of a passively managed fund. It tracks the top 200 companies on the ASX, so it's giving you greater diversification. And the same as with the S and P five ten 100, If a company doesn't meet the criteria to be in the top 200 companies on the in that indices that this is tracking, they are removed, and then it's replaced with something else. So companies have a criteria to be within the top 200 index and same with the s and p five So those investments are passively managed. They are tracking the indices, and they make changes as per the indices.\n\nSo it means you're always following the top 500 companies with the S and P 500. Or with the a 200, you're essentially always tracking the top 200 companies on the ASX, which is good. It's also a cheaper investment, so it means more money stays invested in your portfolio rather than paid for investment fees, which is a benefit as well. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Excellent. The JPMorgan Global Research Enhanced Equity Fund there, we are removing that solely. It has been fine, but it is more of an actively managed fund. It does cost a lot more to have in your portfolio. So we are looking to try and make the portfolio slightly cheaper as well to make sure it's working harder for you, but, obviously, reducing fees is important as well.\n\nPhysical gold has done really well, has grown very, very nicely in your portfolio. You've got about 9% there at the moment. We just wanna hold 7%. So it does mean just selling some of that physical gold or essentially taking some of the gains that the portfolio has been, cementing those gains, and spreading those out and reinvesting them back in your portfolio. That essentially helps the compounding effect.\n\nDoes that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. And then we've got the bank hybrids there. These are being phased out in the future as an investment product, so we are looking to remove those now whilst we're making these changes. It makes sense to make all the changes now rather than to do it now and then go back in another two years and make some smaller alterations then.\n\nMaking all the changes at once makes a lot more sense. So we're gonna remove those now whilst we can while we are making these changes. And because\n\nChannel 1: Yep.\n\nChannel 0: with the high growth portfolio, you still wanna have around about 10% in defensive assets. We're going to replace the bank hybrid there with the core composite bonds. We're only gonna hold about 5% of this investment, but it essentially is replacing the defensive component that was held by the bank card reserve. Okay?\n\nChannel 1: Sounds good.\n\nChannel 0: As down from aside from those, we're then gonna purchase into some European exposure, some Japanese exposure. We've also got the Vanguard all world index there. That's excluding The US because you have the S and P 500 above that one. And then, obviously, the beta shares a 200 and some bonds in there for defensive component for you. So that's the sense of the changes that we wanna make to your portfolio, making sure it works harder for you.\n\nWith\n\nChannel 1: Yep.\n\nChannel 0: your cash account, we wanna hold or need to hold about 1.25% in cash. So you're a little bit over at the moment, so we'll just also reinvest some of your cash component as well. Okay? If you go down to page 21 for me, you can essentially see the outcome of making these changes. It should show you the fee comparison table.\n\nChannel 1: Yep. Yep. Okay.\n\nChannel 0: Beautiful.\n\nChannel 1: One moment.\n\nChannel 0: So with this one here, you have your current portfolio between hub twenty four and Australian sleeper and the recommended there. You'll see by making the changes, it essentially we are putting more money into Hub twenty four, so the admin fee does increase just slightly there. However, the investment fee between the two funds when making the changes actually saves you for the first year about $394. So, essentially, we are expecting a decrease in investment fees, which is a positive for yourself. It's more money staying in your portfolio compounding towards your retirement.\n\nOkay?\n\nChannel 1: Yes.\n\nChannel 0: With rolling some funds into Australians into, sorry, hub twenty four from Australian Super, it does obviously mean our ongoing adviser fee is increased just slightly. You do pay us the ongoing service fee for the monitoring and maintenance of looking after your super funds, providing advice, and working towards your goals, and it is 1.65% per annum there. So this will increase to slightly expected by about a $198 there. And we also look after the Australian super account as well. So we wanna make sure that we take all the stress of dealing with super away from you, and we're here to support you and provide this advice to make sure it's all working harder.\n\nOkay?\n\nChannel 1: Yep.\n\nChannel 0: One of the things we also did talk about was about building your super and if you were comfortable looking at making additional contributions. And so I have had a bit of a look in projecting forward. And while some recommending that you do start salary sacrificing as well, I'm gonna recommend we start small. So starting with $50 on a weekly basis, that essentially gives us 2,600 over the course of the year. Starting smaller means that because you've got a bit more time ahead of you there, we can start smaller, help to see how that feels with your expenditure and with your take home pay, and then kind of build that over time as your comfort level increases.\n\nYour employer contributions do need to continue to go into Australian Super. It is the best way to go. But\n\nChannel 1: Yep.\n\nChannel 0: I would like to see, if it's possible, if your employer is able to salary sacrifice that $50 on a weekly basis into your hub twenty four account. Essentially, splitting those contributions does work more of a benefit to you because putting a little bit of money into both accounts on a regular basis is basically dollar cost averaging. So you're taking advantage of the market ups and downs that can provide greater benefit long term for you as well. And it means that we have we only have to do smaller rollovers out of Australian Super on a regular basis, which is also a benefit. One of the things I sort of, are negative about doing those rollovers every year is that it is a lump sum that's rolled out of Australian Super and into Hub twenty four.\n\nSo that money is invested all at one time, and that can have an effect on your super if you think about 13,000 being deposited into an investment. If that's all invested, then the next day the market goes down a little bit. Yes. It's been invested in at a downtime. However, it also means that it can take a little bit longer for the portfolio to recover back.\n\nSo if we're able to split those contributions up through employer contributions to Australian so far, your salary sacrificing to have 24, it means your dollar cost averaging. And then each year when we do rollovers out of Australian Super, just to retain the 10,000, it's a smaller amount, and that can have a greater effect long term on working towards your goals. Does that make sense? And do you have questions so far?\n\nChannel 1: No. No question. So far, it doesn't make sense.\n\nChannel 0: No. That's all good. Also, with your insurance premiums, they don't change. They stay exactly the same as they are for the time being, and I'll just keep making sure we touch base and have you any reviews every year. Review your insurance levels, and when and if we are able to get new cover, we will.\n\nOtherwise, we can always look at other ways to build wealth and help you to kinda close that risk gap as well. Okay? When you kind of look at the changes we're making and the difference in the portfolio, so they're both high growth portfolios from where you are currently to the recommended. But when we look at how the investments have performed over the past five years, the last of the current high growth portfolio has generally averaged about 10.25%. The newer portfolio has had in the past a greater past performance, which if it can do that again over the next five to ten years can give you a greater return and therefore put you in a much better position.\n\nAnd the next page does show you the projection over the five to ten years and what's estimated based on the rate of return that we you know, what sorry. The portfolio has been able to return over the past five years. Obviously, I do like to make sure you're aware portfolios do react differently. I'm not guaranteeing the return in any way, shape, or form, but this is just showing you how it has performed over the past five years. This year has definitely been a bit up and down with what's happening, and we can never predict what's going to happen, but we use past data on how portfolios have performed to help us project what we expect to happen in the future if we can get the same market conditions there.\n\nOkay. Perfect. Do you have any questions so far? You're welcome to let me know if anything pops up.\n\nChannel 1: Yeah. I understand. I just yeah. It's pretty straightforward\n\nChannel 0: Yeah.\n\nChannel 1: so far.\n\nChannel 0: It is. Yeah. Absolutely. Underneath that, I go through a bit more around the salary sacrifice. I've explained that to you.\n\nSo feel free to have a read through those as well. In each of the pages here, we have best interest duties. So, essentially, aligning the recommendations to your goals, Essentially, with hub twenty four retaining the super super funds does work in your best interest as you're not having to go through the process of moving all your super out, selling everything down, and moving out. We estimated with looking at the CGT effects, your super actually does do a tax return just like you every year. And in order to make the changes in the portfolio, there's no CGT effect on the super fund.\n\nWe've estimated zero looking at sort of how that is because Bennelong has been down. It's essentially offsetting all the other gains for being able to maneuver the rest of the portfolio for you. So that is one fantastic benefit. It means that there's more money left in your super. Salary sacrificing, again, does mean there's more money compounding and working harder for you.\n\nOne of the big things we tend to not sort of think about is when we get to the age of 60, 65, or 70, depending on when we retire, that's just when we stop officially working. But in retirement, we can often have anywhere between ten, twenty, thirty. Some people spend forty years in retirement, which is a whole another lifetime. So we still need to make sure super works as long as possible in those years. So being able to start salary sacrificing now and adding as much as we can in now, you do get a greater benefit with the compounding effect towards that retirement, but then it continues as it stays invested throughout those retirement years as well.\n\nOkay?\n\nChannel 1: Yep.\n\nChannel 0: Excellent. I've got a table in there for you on page 25, which outlines essentially the difference in the tax effect with salary sacrifices versus not versus your current circumstances there, and salary sacrifices are pretax deductions. So it does help to reduce your overall income tax, which is another great benefit of doing that.\n\nChannel 1: Yep.\n\nChannel 0: The other thing I wanted to kinda touch base on was the the beneficiaries. So in the event that something was to happen, you wanted to have your mom as your beneficiary. Unfortunately,\n\nChannel 1: Yep.\n\nChannel 0: with superannuation legislation, in order to be a beneficiary, they have a certain criteria. It needs to be a spouse, a child, someone who isn't has an interdependent relationship with you or someone who relies on you financially. So, essentially, for your if anything was to happen for your mom to go make a claim currently, she would have to be out of prove that she, a, lived with you, relied on you financially, you paid all of her bills, and things like that. That's a pretty tough thing to try and claim again. So it doesn't,\n\nChannel 1: Yeah.\n\nChannel 0: unfortunately, mean that she would not the nomination wouldn't be valid, and it's probably really horrible for her to have to go through that process because it would come back and they would let her know she wasn't eligible for. And it's probably the worst time in her life to be going and having that claim and being off that court. So I've made a recommendation on page 33 for you where we update your beneficiary nominations. I'm recommending we tick them off as a binding, non lapsing nomination, which means the trustee is bound to follow the direction, and non lapsing means you only have to fill this out one time. You don't have to keep filling the nomination out unless your circumstances change.\n\nAnd then\n\nChannel 1: Yep.\n\nChannel 0: we tick off the legal personal representative box. This essentially means that if you were to unfortunately pass away, your super can be claimed by your executor of your will. The funds from your life insurance and your super just get paid directly to your estate, and then it's really important you have a will done up. And in that will, you can nominate any person you like. Your mom, you can request some money to a charity, your best friend from ten years ago, someone you've just met tomorrow.\n\nYou can nominate anyone you like. And there's a lot more you have a lot more say in how you want the funds to be paid and where to. And that just means that that the funds can be paid to your mom, much easier process involved. And it's just really important you have a will drawn up and a power of attorney if possible as well. If you did do the beneficiary nominations and we had LPR nominated and there's no will in place, it does mean everything still, once it gets paid to your state, goes through probate, which is a terrible, horrible process for for family members to go through.\n\nBut this is the best way to have that nomination set up for your mom. Does that make sense? Do you have questions?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. So how do how how does that get set up?\n\nChannel 0: Which part? The beneficiary or the will?\n\nChannel 1: But will I understand the beneficiary? Do I have to do that? Or\n\nChannel 0: We will help you. So we'll get the beneficiary form for hub twenty four. Are you comfortable with our team pre filling that for you, taking\n\nChannel 1: yes.\n\nChannel 0: the nonlapsing binding, taking the LPR in a 100%? You're comfortable with us doing that for you?\n\nChannel 1: Yeah. You guys\n\nChannel 0: Yep.\n\nChannel 1: know what\n\nChannel 0: Beautiful.\n\nChannel 1: you're doing? I've got no idea.\n\nChannel 0: Absolutely. We can fill the pre fill the forms there for you for both hub twenty four and Australian super, and then we can either post them to you or email or both, whatever your preference is. What would you prefer to happen?\n\nChannel 1: I prefer both, email\n\nChannel 0: Yeah.\n\nChannel 1: and\n\nChannel 0: Abs\n\nChannel 1: posted.\n\nChannel 0: yep. Absolutely. Not a problem. We'll get those out to you. Once they are received by yourself, you just gotta check the information is accurate.\n\nOn the very last page, there is a signature placed for you, and you do have to have it witnessed by two other people. Because it's a legal personal representative, the witness can be your mom. It can be an excellent neighbor, two guys at work, whatever you're comfortable with. That it just has to be someone over 18 and two witnesses on a binding nomination. So\n\nChannel 1: Yep.\n\nChannel 0: if you can get them signed and witnessed and sent back to us, we will have them applied. And then as part of the review process each year, will reconfirm that you're still comfortable with that nomination. When and if something happens, you wanna change that nomination, we can absolutely help you. And then it's just really important that you do have a will drawn up really, really quickly. We can always send you some information on a local solicitor that we can refer you through to.\n\nOr often, all all the states do have, like, local trustees, and they do charge only a small amount for a very basic will or a will kit you can pick up from the post office, I think, these days. The last time I saw one was a few weeks back. It was about 30 odd dollars. So you can also just do a will kit that way if it's preferable and easier, but just having a valid will help that beneficiary receive the funds in the, you know, small event that something was to happen to you prematurely. Okay.\n\nChannel 1: Yep. No worries.\n\nChannel 0: Yeah. All good. That is a lot, and I get it. You're welcome to go back and have a really good read of that. I've got advantages, disadvantages, lists in there for you, outlining a bit of information on all those strategies for you as well.\n\nIs any questions that might have popped up to mind, or did you want me to re clarify anything further? Or\n\nChannel 1: No. It's pretty good. I just gotta\n\nChannel 0: yeah.\n\nChannel 1: go look find someone that can sort\n\nChannel 0: Yeah.\n\nChannel 1: of do wheels realistically.\n\nChannel 0: That's okay. What do you if you like, I can send through some information on the local trustee plus maybe a bit of a pricing on the local solicitor where you used to give you a bit of a comparison if you like, just so\n\nChannel 1: Yeah.\n\nChannel 0: you've\n\nChannel 1: That\n\nChannel 0: got\n\nChannel 1: would\n\nChannel 0: something\n\nChannel 1: help.\n\nChannel 0: to yeah. Absolutely. I'll get that email done out for you either this afternoon or tomorrow morning. Is that okay?\n\nChannel 1: Yeah. Sounds good.\n\nChannel 0: Fantastic. Lovely. So with that one there, Jason, just feel free to take that back. Have a bit of a read of the document. If you enjoy reading, I'm not sure how keen you are, but I've also got the product disclosure statements for how '24 for Australian Super and for any other for the recommendations made, just so you've got some information on that document or DocuSign there to sort of fall back on to read up on.\n\nWe've also got the appendices, which does outline some of the research that was conducted for you as well. Okay.\n\nChannel 1: Yep.\n\nChannel 0: So you're welcome to have a bit of a read through that if you're a little bit bored and want some extra reading material.\n\nChannel 1: Yeah. It'll\n\nChannel 0: Not\n\nChannel 1: take\n\nChannel 0: everyone\n\nChannel 1: me a while\n\nChannel 0: does.\n\nChannel 1: to sorta go through it, though.\n\nChannel 0: Yeah. No. That's okay. Other than that, it looks like your ID may have expired on oh, no. 12/2026.\n\nNo. It's fine. Your ID is good. Sorry. It's just a little bit hard to see the 2026 in the back there.\n\nJust making sure everything is up to date. But, yeah, look. Honestly, feel free to go back. Have a bit of a look at the document. Let me know if you do have any questions.\n\nAnd if you're happy to take the recommendations, we'll just get you to sign and return that back, and we can have that implemented nice and quickly there for you. Okay.\n\nChannel 1: Yeah. No worries.\n\nChannel 0: Thank you. It's been an absolute pleasure. I'm so sorry I was running a bit late today, but it's been a a real pleasure to put this together for you. Looking forward to doing reviews and making sure we can work towards your goals. I want you to have the best retirement you can possibly have.\n\nYou've worked way too hard to not enjoy your retirement years.\n\nChannel 1: Yes. That is very true.\n\nChannel 0: All good. All good. Well, I will let you go. Thank you so much for your time. Are you working this afternoon?\n\nDo you have\n\nChannel 1: No.\n\nChannel 0: today off?\n\nChannel 1: Today's day off. Today's a day off.\n\nChannel 0: Beautiful. Any plans for the afternoon or just resting, recuperating?\n\nChannel 1: Just chilling at the moment. Just chilling. That's all\n\nChannel 0: I\n\nChannel 1: I'm\n\nChannel 0: love\n\nChannel 1: doing.\n\nChannel 0: it. I love it. You enjoy your day off. You deserve it.\n\nChannel 1: No worries. You have a good day.\n\nChannel 0: Thank you so much, Jason. Talk to you soon. See you later.\n\nChannel 1: Alright. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.56,"end":0.88,"sentiment":"neutral","sentiment_score":0.03584310784935951},{"text":"Jason speaking.","start":0.88,"end":1.78,"sentiment":"neutral","sentiment_score":0.02797491755336523}],"sentiment":"neutral","sentiment_score":0.03059764765202999,"channel":1,"num_words":3,"start":0.56,"end":1.78},{"sentences":[{"text":"Hi, Jason.","start":2.8,"end":3.52,"sentiment":"neutral","sentiment_score":0.1712670922279358},{"text":"It's Dana from OQ Financial.","start":3.52,"end":5.2,"sentiment":"neutral","sentiment_score":0.1988740772008896},{"text":"How are you today?","start":5.2,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.24562273919582367}],"sentiment":"neutral","sentiment_score":0.21085413884032855,"channel":0,"num_words":11,"start":2.8,"end":6.2599998},{"sentences":[{"text":"Not bad.","start":6.7999997,"end":7.2799997,"sentiment":"neutral","sentiment_score":0.21944251656532288},{"text":"And yourself?","start":7.2799997,"end":8.02,"sentiment":"neutral","sentiment_score":0.1450810208916664}],"sentiment":"neutral","sentiment_score":0.18226176872849464,"channel":1,"num_words":4,"start":6.7999997,"end":8.02},{"sentences":[{"text":"I'm very well.","start":8.4,"end":9.36,"sentiment":"positive","sentiment_score":0.5563151041666666},{"text":"Thank you.","start":9.36,"end":9.92,"sentiment":"positive","sentiment_score":0.6856816112995148},{"text":"I had to put in to go through your statement of advice this morning.","start":9.92,"end":12.88,"sentiment":"neutral","sentiment_score":0.15091575628944806},{"text":"I do apologize for running a little bit late there, but is now still a good time there for you?","start":12.88,"end":17.435,"sentiment":"neutral","sentiment_score":0.055397173017263414}],"sentiment":"neutral","sentiment_score":0.16054032265375823,"channel":0,"num_words":39,"start":8.4,"end":17.435},{"sentences":[{"text":"Yeah.","start":17.485,"end":17.805,"sentiment":"neutral","sentiment_score":0.2127114236354828},{"text":"It's a good time.","start":17.805,"end":18.945,"sentiment":"positive","sentiment_score":0.44336435198783875}],"sentiment":"positive","sentiment_score":0.39723376631736756,"channel":1,"num_words":5,"start":17.485,"end":18.945},{"sentences":[{"text":"Fantastic.","start":19.335,"end":19.835,"sentiment":"positive","sentiment_score":0.6859622001647949},{"text":"Before we jump into the call, just to let you know, we do record our calls for quality and training purposes.","start":20.615,"end":24.935001,"sentiment":"neutral","sentiment_score":0.20325271146638052},{"text":"Are you happy for me to proceed with that one?","start":24.935001,"end":27.435001,"sentiment":"neutral","sentiment_score":0.19169454276561737}],"sentiment":"neutral","sentiment_score":0.2147254552692175,"channel":0,"num_words":32,"start":19.335,"end":27.435001},{"sentences":[{"text":"Yes.","start":27.805,"end":28.045,"sentiment":"neutral","sentiment_score":0.11786514520645142},{"text":"That's fine.","start":28.045,"end":28.65,"sentiment":"neutral","sentiment_score":0.17597802728414536}],"sentiment":"neutral","sentiment_score":0.15660706659158072,"channel":1,"num_words":3,"start":27.805,"end":28.65},{"sentences":[{"text":"Oh, fantastic.","start":28.980001,"end":29.720001,"sentiment":"positive","sentiment_score":0.42569610476493835},{"text":"And just to also go through security there with you, just to confirm your full name, your date of birth, and address I should have on 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that.","start":164.485,"end":165.36,"sentiment":"neutral","sentiment_score":0.2904040416081746}],"sentiment":"neutral","sentiment_score":0.27055689692497253,"channel":1,"num_words":4,"start":164.085,"end":165.36},{"sentences":[{"text":"Excellent.","start":165.29999,"end":165.79999,"sentiment":"positive","sentiment_score":0.6375621557235718},{"text":"On the front page has been prepared for yourself as of the July 15.","start":165.86,"end":170.12,"sentiment":"neutral","sentiment_score":0.28321689473731176},{"text":"On the bottom of the first page, it has my authorized representative number.","start":170.42,"end":173.7,"sentiment":"neutral","sentiment_score":0.15083533582779077},{"text":"I'm a registered financial adviser through ASIC, and that's my registration number there for you.","start":173.7,"end":178.42,"sentiment":"neutral","sentiment_score":0.16653340061505637},{"text":"Okay?","start":178.42,"end":178.92,"sentiment":"neutral","sentiment_score":0.13130278885364532}],"sentiment":"neutral","sentiment_score":0.20892640558833425,"channel":0,"num_words":44,"start":165.29999,"end":178.92},{"sentences":[{"text":"Yep.","start":178.72,"end":179.22,"sentiment":"neutral","sentiment_score":0.2315528243780136}],"sentiment":"neutral","sentiment_score":0.2315528243780136,"channel":1,"num_words":1,"start":178.72,"end":179.22},{"sentences":[{"text":"I'll make this one nice and simple because you do get to go back and have a really good rate of the document.","start":179.855,"end":184.035,"sentiment":"positive","sentiment_score":0.4754934129507645},{"text":"But, essentially, with this, after your annual review, we completed, we just wanted to have a look at your superannuation, make sure you're invested correctly between your Australian super, and, obviously, your hub twenty four fund there as well, making sure that we're working towards your goal of being able to retire at about age 65.","start":184.33499,"end":200.61,"sentiment":"neutral","sentiment_score":0.2809854916163853},{"text":"Your desired","start":200.99,"end":201.73001,"sentiment":"neutral","sentiment_score":0.253058061003685}],"sentiment":"positive","sentiment_score":0.3355265697579325,"channel":0,"num_words":81,"start":179.855,"end":201.73001},{"sentences":[{"text":"Yes.","start":201.42,"end":201.92,"sentiment":"neutral","sentiment_score":0.2048155963420868}],"sentiment":"neutral","sentiment_score":0.2048155963420868,"channel":1,"num_words":1,"start":201.42,"end":201.92},{"sentences":[{"text":"retirement income is around 4 to 5,000 per month when you get to that point.","start":201.87001,"end":206.53,"sentiment":"neutral","sentiment_score":0.26241843899091083},{"text":"Okay?","start":206.75,"end":207.25,"sentiment":"neutral","sentiment_score":0.19490797817707065},{"text":"You also wanted me to look at seeing if we could get some more income protection for you.","start":208.655,"end":212.815,"sentiment":"neutral","sentiment_score":0.19242159308244786},{"text":"So we did go out there and do some pre assessments and have a look at what options may be available, and I have definitely made some recommendations there for you below as well.","start":212.815,"end":221.075,"sentiment":"positive","sentiment_score":0.4105115138432559}],"sentiment":"neutral","sentiment_score":0.3169435986646396,"channel":0,"num_words":68,"start":201.87001,"end":221.075},{"sentences":[{"text":"Yep.","start":221.61499,"end":222.11499,"sentiment":"neutral","sentiment_score":0.1775505393743515}],"sentiment":"neutral","sentiment_score":0.1775505393743515,"channel":1,"num_words":1,"start":221.61499,"end":222.11499},{"sentences":[{"text":"And then also to see estate planning side of things.","start":222.56,"end":225.12,"sentiment":"neutral","sentiment_score":0.13486986309289933},{"text":"So when I kinda went back and reviewed, one of the things you mentioned to me was that you wanted to make sure in the event of you passing prematurely that your super and your life cover was paid to your mom.","start":225.12,"end":234.42,"sentiment":"neutral","sentiment_score":0.08779627013774145},{"text":"There are,","start":234.89499,"end":235.375,"sentiment":"neutral","sentiment_score":0.015420888550579548}],"sentiment":"neutral","sentiment_score":0.09383303247806099,"channel":0,"num_words":54,"start":222.56,"end":235.375},{"sentences":[{"text":"Yes.","start":235.13,"end":235.63,"sentiment":"neutral","sentiment_score":0.001496514305472374}],"sentiment":"neutral","sentiment_score":0.001496514305472374,"channel":1,"num_words":1,"start":235.13,"end":235.63},{"sentences":[{"text":"unfortunately, stipulations around who can be a beneficiary, so I have gone back and assessed that beneficiary and updated the recommendations around the beneficiary nomination for you just to make sure that that can be paid as per your wishes in the event something happens","start":235.375,"end":249.635,"sentiment":"neutral","sentiment_score":-0.032093234691354965}],"sentiment":"neutral","sentiment_score":-0.032093234691354965,"channel":0,"num_words":45,"start":235.375,"end":249.635},{"sentences":[{"text":"Yep.","start":250.79501,"end":251.29501,"sentiment":"neutral","sentiment_score":0.06740406155586243}],"sentiment":"neutral","sentiment_score":0.06740406155586243,"channel":1,"num_words":1,"start":250.79501,"end":251.29501},{"sentences":[{"text":"to you.","start":251.69,"end":251.85,"sentiment":"neutral","sentiment_score":0.10119963437318802},{"text":"Okay?","start":251.85,"end":251.93001,"sentiment":"neutral","sentiment_score":0.087259441614151},{"text":"So it's in the event I want you to get to 65 and enjoy your retirement.","start":251.93001,"end":255.71,"sentiment":"neutral","sentiment_score":0.23151176422834396},{"text":"Hopefully, nothing happens.","start":255.85,"end":257.07,"sentiment":"neutral","sentiment_score":-0.005624199906984965}],"sentiment":"neutral","sentiment_score":0.18077156083150345,"channel":0,"num_words":22,"start":251.69,"end":257.07},{"sentences":[{"text":"Yep.","start":257.72998,"end":258.22998,"sentiment":"neutral","sentiment_score":0.04124824330210686}],"sentiment":"neutral","sentiment_score":0.04124824330210686,"channel":1,"num_words":1,"start":257.72998,"end":258.22998},{"sentences":[{"text":"Areas that we're not sort of scoping in, this is sort of down on page number five there for you.","start":259.29,"end":263.77,"sentiment":"neutral","sentiment_score":0.025234974268823863},{"text":"So you were building and trying to build a a deposit so that you could look to purchase a home in the future.","start":263.77,"end":269.30502,"sentiment":"neutral","sentiment_score":0.11456763549991276},{"text":"You were","start":269.765,"end":270.165,"sentiment":"neutral","sentiment_score":0.10567399114370346}],"sentiment":"neutral","sentiment_score":0.07446895742581951,"channel":0,"num_words":45,"start":259.29,"end":270.165},{"sentences":[{"text":"Yes.","start":270.085,"end":270.585,"sentiment":"neutral","sentiment_score":0.24758100509643555}],"sentiment":"neutral","sentiment_score":0.24758100509643555,"channel":1,"num_words":1,"start":270.085,"end":270.585},{"sentences":[{"text":"saving approximately $50 on a a about a weekly basis, and you had just over 10,000, which was fantastic.","start":270.165,"end":276.185,"sentiment":"positive","sentiment_score":0.5563207253029472},{"text":"You were trying to save about 80 to 100,000 for a deposit from your first for your home purchase.","start":276.7,"end":282.80002,"sentiment":"positive","sentiment_score":0.4747065682160227}],"sentiment":"positive","sentiment_score":0.515513646759485,"channel":0,"num_words":38,"start":270.165,"end":282.80002},{"sentences":[{"text":"Yeah.","start":283.49002,"end":283.99002,"sentiment":"neutral","sentiment_score":0.06582175940275192}],"sentiment":"neutral","sentiment_score":0.06582175940275192,"channel":1,"num_words":1,"start":283.49002,"end":283.99002},{"sentences":[{"text":"How's that going?","start":283.98,"end":285.12,"sentiment":"neutral","sentiment_score":0.0799953043460846},{"text":"Have you kind of increased the savings, or has that sort of","start":285.18,"end":288.38,"sentiment":"neutral","sentiment_score":-0.03738080027202765}],"sentiment":"neutral","sentiment_score":-0.013905579348405202,"channel":0,"num_words":15,"start":283.98,"end":288.38},{"sentences":[{"text":"No.","start":288.21002,"end":288.61002,"sentiment":"neutral","sentiment_score":-0.1658499240875244}],"sentiment":"neutral","sentiment_score":-0.1658499240875244,"channel":1,"num_words":1,"start":288.21002,"end":288.61002},{"sentences":[{"text":"held back","start":288.38,"end":288.78,"sentiment":"neutral","sentiment_score":-0.15247850492596626}],"sentiment":"neutral","sentiment_score":-0.15247850492596626,"channel":0,"num_words":2,"start":288.38,"end":288.78},{"sentences":[{"text":"Not really.","start":288.61002,"end":289.17,"sentiment":"neutral","sentiment_score":-0.166096493601799}],"sentiment":"neutral","sentiment_score":-0.166096493601799,"channel":1,"num_words":2,"start":288.61002,"end":289.17},{"sentences":[{"text":"a bit?","start":288.78,"end":289.36002,"sentiment":"neutral","sentiment_score":-0.1597515493631363}],"sentiment":"neutral","sentiment_score":-0.1597515493631363,"channel":0,"num_words":2,"start":288.78,"end":289.36002},{"sentences":[{"text":"Because the way","start":289.17,"end":290.29,"sentiment":"neutral","sentiment_score":-0.2093343585729599}],"sentiment":"neutral","sentiment_score":-0.2093343585729599,"channel":1,"num_words":3,"start":289.17,"end":290.29},{"sentences":[{"text":"No.","start":289.985,"end":290.485,"sentiment":"neutral","sentiment_score":-0.28571176528930664}],"sentiment":"neutral","sentiment_score":-0.28571176528930664,"channel":0,"num_words":1,"start":289.985,"end":290.485},{"sentences":[{"text":"the pay structure works, I've got different pays almost every fortnight over an eight week cycle, so I'm finding it really hard to consistently save.","start":290.29,"end":299.435,"sentiment":"neutral","sentiment_score":-0.26806767404079435}],"sentiment":"neutral","sentiment_score":-0.26806767404079435,"channel":1,"num_words":25,"start":290.29,"end":299.435},{"sentences":[{"text":"Oh, it's a shame.","start":299.905,"end":301.025,"sentiment":"negative","sentiment_score":-0.36734049022197723},{"text":"Well, hopefully, things get a bit easier for you in that area.","start":301.025,"end":304.085,"sentiment":"neutral","sentiment_score":-0.10884922246138255},{"text":"Yeah.","start":304.38498,"end":304.88498,"sentiment":"neutral","sentiment_score":-0.01188059151172638}],"sentiment":"neutral","sentiment_score":-0.16396666011389563,"channel":0,"num_words":17,"start":299.905,"end":304.88498},{"sentences":[{"text":"Yeah.","start":304.775,"end":305.275,"sentiment":"neutral","sentiment_score":0.008312013000249863}],"sentiment":"neutral","sentiment_score":0.008312013000249863,"channel":1,"num_words":1,"start":304.775,"end":305.275},{"sentences":[{"text":"You do also have some shareholdings that you were trying to invest an extra $50 on a monthly basis of to kinda get your target 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well.","start":314.75998,"end":323.245,"sentiment":"neutral","sentiment_score":0.09194582744634577},{"text":"Okay?","start":323.245,"end":323.745,"sentiment":"neutral","sentiment_score":0.06144552677869797}],"sentiment":"neutral","sentiment_score":0.07668828527811308,"channel":0,"num_words":43,"start":312.6,"end":323.745},{"sentences":[{"text":"Yeah.","start":323.62,"end":323.94,"sentiment":"neutral","sentiment_score":0.08628011494874954},{"text":"No worries.","start":323.94,"end":324.675,"sentiment":"neutral","sentiment_score":0.22028522193431854}],"sentiment":"neutral","sentiment_score":0.17561685293912888,"channel":1,"num_words":3,"start":323.62,"end":324.675},{"sentences":[{"text":"Excellent.","start":325.325,"end":325.825,"sentiment":"neutral","sentiment_score":0.28419408202171326},{"text":"I have down here around page number nine, the assets and liabilities.","start":327.005,"end":331.345,"sentiment":"neutral","sentiment_score":0.030543202223877113},{"text":"This is sort of sort of noted on what we had last time we were able to catch up with you and update all the details there.","start":331.405,"end":336.91,"sentiment":"neutral","sentiment_score":0.05437364732777631},{"text":"The silver coin collection is based on the current silver price, so that can change and fluctuate.","start":337.05002,"end":342.59003,"sentiment":"neutral","sentiment_score":0.0436636078007081},{"text":"But are there any major changes to, obviously, any of those other assets or liabilities that you wanna have changed in the back end at all?","start":342.81003,"end":350.35,"sentiment":"neutral","sentiment_score":0.00048265620492971863}],"sentiment":"neutral","sentiment_score":0.03462206482528204,"channel":0,"num_words":83,"start":325.325,"end":350.35},{"sentences":[{"text":"Not at the moment.","start":351.605,"end":352.48502,"sentiment":"neutral","sentiment_score":-0.0780787356197834},{"text":"No.","start":352.48502,"end":352.98502,"sentiment":"neutral","sentiment_score":-0.1321348249912262}],"sentiment":"neutral","sentiment_score":-0.08888995349407196,"channel":1,"num_words":5,"start":351.605,"end":352.98502},{"sentences":[{"text":"No.","start":353.275,"end":353.435,"sentiment":"neutral","sentiment_score":-0.1215810775756836},{"text":"That's okay.","start":353.435,"end":354.335,"sentiment":"neutral","sentiment_score":0.1605318747460842},{"text":"Fantastic.","start":354.395,"end":354.895,"sentiment":"positive","sentiment_score":0.6532301306724548},{"text":"And then below that, we do have your current super balances between the two Australian super and have 24 there as well.","start":355.595,"end":361.455,"sentiment":"neutral","sentiment_score":0.2087379822676832},{"text":"Okay?","start":361.51498,"end":362.01498,"sentiment":"neutral","sentiment_score":0.11621719598770142}],"sentiment":"neutral","sentiment_score":0.2059690966098397,"channel":0,"num_words":27,"start":353.275,"end":362.01498},{"sentences":[{"text":"Yeah.","start":362.005,"end":362.505,"sentiment":"neutral","sentiment_score":0.11295238137245178}],"sentiment":"neutral","sentiment_score":0.11295238137245178,"channel":1,"num_words":1,"start":362.005,"end":362.505},{"sentences":[{"text":"Now I'll make things a bit easier, and we'll scroll forward a little bit because you can always go back and read things over.","start":363.24002,"end":367.80002,"sentiment":"neutral","sentiment_score":0.2096552544583877},{"text":"But I'll sort of touch on the the parts that I need to touch on for you.","start":367.80002,"end":371.34,"sentiment":"neutral","sentiment_score":0.13037310014752782},{"text":"So if you can scroll down to page 18 for me, and this has essentially got the heading, the recommended investment superannuation.","start":371.80002,"end":377.915,"sentiment":"neutral","sentiment_score":0.09469720145518129}],"sentiment":"neutral","sentiment_score":0.14811757526227406,"channel":0,"num_words":63,"start":363.24002,"end":377.915},{"sentences":[{"text":"Yep.","start":386.135,"end":386.375,"sentiment":"neutral","sentiment_score":0.10642959922552107},{"text":"Okay.","start":386.375,"end":386.77502,"sentiment":"neutral","sentiment_score":0.09139323979616164},{"text":"Page 18.","start":386.77502,"end":387.595,"sentiment":"neutral","sentiment_score":0.15788844227790833}],"sentiment":"neutral","sentiment_score":0.12839993089437485,"channel":1,"num_words":4,"start":386.135,"end":387.595},{"sentences":[{"text":"Perfect.","start":388.535,"end":389.035,"sentiment":"positive","sentiment_score":0.4678111672401428},{"text":"So the main with the recommendations, essentially, I'll start by just 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Australian sleeper for the insurances with the level of cover you have.","start":412.945,"end":420.15,"sentiment":"neutral","sentiment_score":-0.2779861849546432},{"text":"However,","start":420.47,"end":420.87,"sentiment":"neutral","sentiment_score":-0.02858899906277657}],"sentiment":"neutral","sentiment_score":-0.2683939854972638,"channel":0,"num_words":26,"start":412.945,"end":420.87},{"sentences":[{"text":"Yep.","start":420.685,"end":421.185,"sentiment":"neutral","sentiment_score":0.04933204501867294}],"sentiment":"neutral","sentiment_score":0.04933204501867294,"channel":1,"num_words":1,"start":420.685,"end":421.185},{"sentences":[{"text":"one thing I did find that I can research for you is if you do get a pay increase in the future, let us know straight away.","start":420.87,"end":428.41,"sentiment":"neutral","sentiment_score":0.06009552131096522},{"text":"So Australian Super within the application do have the future increase 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pay increase happens that you need to generally let us know within about thirty days of it occurring.","start":472.595,"end":481.9,"sentiment":"neutral","sentiment_score":0.18894084894822705}],"sentiment":"neutral","sentiment_score":0.2856806950686976,"channel":0,"num_words":86,"start":459.88998,"end":481.9},{"sentences":[{"text":"And","start":482.36002,"end":482.6,"sentiment":"neutral","sentiment_score":0.16320647299289703}],"sentiment":"neutral","sentiment_score":0.16320647299289703,"channel":0,"num_words":1,"start":482.36002,"end":482.6},{"sentences":[{"text":"Yep.","start":482.55,"end":483.05,"sentiment":"neutral","sentiment_score":0.1344386339187622}],"sentiment":"neutral","sentiment_score":0.1344386339187622,"channel":1,"num_words":1,"start":482.55,"end":483.05},{"sentences":[{"text":"we need to be able to show them what your pay was prior, what your pay was afterwards, and they will and do provide a bit of a increase on the income protection policy without any additional underwriting, which is more of a benefit to you because any additional underwriting that has occurred does mean that it could make the policy more expensive with loadings and or exclusions on the policy.","start":482.6,"end":504.72998,"sentiment":"neutral","sentiment_score":0.07153070870209748},{"text":"So we wanna try and avoid that way possible.","start":504.72998,"end":506.91,"sentiment":"neutral","sentiment_score":-0.21736931138568455},{"text":"But,","start":507.69,"end":507.93,"sentiment":"neutral","sentiment_score":-0.06579889357089996}],"sentiment":"neutral","sentiment_score":0.03773527928156617,"channel":0,"num_words":81,"start":482.6,"end":507.93},{"sentences":[{"text":"Yep.","start":507.775,"end":508.275,"sentiment":"neutral","sentiment_score":-0.15815448760986328}],"sentiment":"neutral","sentiment_score":-0.15815448760986328,"channel":1,"num_words":1,"start":507.775,"end":508.275},{"sentences":[{"text":"unfortunately, it did mean that retail cover was not 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there.","start":527.865,"end":538.89,"sentiment":"neutral","sentiment_score":0.019448415209085513},{"text":"So we can, down the track, also help you to build investments outside of super, so building wealth in other areas to alleviate that gap and give you something to fall back on.","start":538.89,"end":548.125,"sentiment":"neutral","sentiment_score":0.26242644768772705},{"text":"Obviously, also having savings set aside does mean you have extra to fall back on the event of not being able to work or having some sort of major diagnosis as well.","start":548.345,"end":557.00494,"sentiment":"neutral","sentiment_score":0.02834920189343393},{"text":"But that","start":557.33997,"end":557.81995,"sentiment":"neutral","sentiment_score":0.04320741072297096}],"sentiment":"neutral","sentiment_score":0.0982278325366524,"channel":0,"num_words":106,"start":527.865,"end":557.81995},{"sentences":[{"text":"Mhmm.","start":557.625,"end":558.125,"sentiment":"neutral","sentiment_score":-0.00676281563937664}],"sentiment":"neutral","sentiment_score":-0.00676281563937664,"channel":1,"num_words":1,"start":557.625,"end":558.125},{"sentences":[{"text":"just means that we retain the level of cover within Australian Super that you have at the moment as well.","start":557.81995,"end":562.62,"sentiment":"neutral","sentiment_score":0.011896220967173576},{"text":"Okay?","start":562.62,"end":563.12,"sentiment":"neutral","sentiment_score":0.0033870935440063477},{"text":"So","start":563.18,"end":563.68,"sentiment":"neutral","sentiment_score":-0.029241420328617096}],"sentiment":"neutral","sentiment_score":0.0096395496617664,"channel":0,"num_words":22,"start":557.81995,"end":563.68},{"sentences":[{"text":"Yeah.","start":563.70496,"end":563.945,"sentiment":"neutral","sentiment_score":-0.03988239914178848}],"sentiment":"neutral","sentiment_score":-0.03988239914178848,"channel":1,"num_words":1,"start":563.70496,"end":563.945},{"sentences":[{"text":"I","start":563.89996,"end":563.98,"sentiment":"neutral","sentiment_score":-0.07965932786464691}],"sentiment":"neutral","sentiment_score":-0.07965932786464691,"channel":0,"num_words":1,"start":563.89996,"end":563.98},{"sentences":[{"text":"No.","start":563.945,"end":564.185,"sentiment":"neutral","sentiment_score":-0.07682973146438599}],"sentiment":"neutral","sentiment_score":-0.07682973146438599,"channel":1,"num_words":1,"start":563.945,"end":564.185},{"sentences":[{"text":"am","start":563.98,"end":564.22,"sentiment":"neutral","sentiment_score":0.004913235083222389}],"sentiment":"neutral","sentiment_score":0.004913235083222389,"channel":0,"num_words":1,"start":563.98,"end":564.22},{"sentences":[{"text":"It's","start":564.185,"end":564.685,"sentiment":"neutral","sentiment_score":-0.028966449201107025}],"sentiment":"neutral","sentiment_score":-0.028966449201107025,"channel":1,"num_words":1,"start":564.185,"end":564.685},{"sentences":[{"text":"very sorry we couldn't get it, but I tried every avenue possible.","start":564.22,"end":567.66,"sentiment":"neutral","sentiment_score":-0.11939256855597098},{"text":"And it is really good to know that Australian Super do have that future increase option available to you if you do get a pay rise, and we can show that difference between the income before and after for you.","start":567.66,"end":578.635,"sentiment":"positive","sentiment_score":0.5851748444139957},{"text":"Okay?","start":578.635,"end":579.135,"sentiment":"neutral","sentiment_score":0.21985337138175964}],"sentiment":"positive","sentiment_score":0.41875728915603655,"channel":0,"num_words":53,"start":564.22,"end":579.135},{"sentences":[{"text":"Yep.","start":579.2,"end":579.7,"sentiment":"neutral","sentiment_score":0.3188721537590027}],"sentiment":"neutral","sentiment_score":0.3188721537590027,"channel":1,"num_words":1,"start":579.2,"end":579.7},{"sentences":[{"text":"Excellent.","start":580.235,"end":580.735,"sentiment":"positive","sentiment_score":0.6583409309387207},{"text":"We've also got that information in the appendices for you, which is an attachment to welcome to have a look at those details as well.","start":581.675,"end":588.54,"sentiment":"neutral","sentiment_score":0.32980395913124083},{"text":"Okay?","start":588.54,"end":589.04,"sentiment":"neutral","sentiment_score":0.17035584151744845},{"text":"So because we do have to then retain Australian Super, we just wanna retain that with a minimum balance, so about 10,000 in there.","start":590.38,"end":597.26,"sentiment":"neutral","sentiment_score":0.14606304839253426},{"text":"That means at the moment, you have a bit of a 23,000 in there.","start":597.26,"end":600.505,"sentiment":"neutral","sentiment_score":0.13878609293273517}],"sentiment":"neutral","sentiment_score":0.22342021866486622,"channel":0,"num_words":65,"start":580.235,"end":600.505},{"sentences":[{"text":"So we do want to roll over a 13,101 and have that rolled into Hub '24 so the the money can be invested with the rest of your portfolio, essentially.","start":600.505,"end":611.245,"sentiment":"neutral","sentiment_score":0.22593267261981964}],"sentiment":"neutral","sentiment_score":0.22593267261981964,"channel":0,"num_words":30,"start":600.505,"end":611.245},{"sentences":[{"text":"Yep.","start":612.285,"end":612.785,"sentiment":"neutral","sentiment_score":0.13282768428325653}],"sentiment":"neutral","sentiment_score":0.13282768428325653,"channel":1,"num_words":1,"start":612.285,"end":612.785},{"sentences":[{"text":"Within hub '24, we did have a look at essentially all the investments there.","start":612.44995,"end":617.26996,"sentiment":"neutral","sentiment_score":0.10028981098106929},{"text":"I did go back and look at how they were performing, what you're invested in.","start":617.41,"end":620.44995,"sentiment":"neutral","sentiment_score":0.15433366894721984},{"text":"You're in more of that high growth environment.","start":620.44995,"end":622.38995,"sentiment":"neutral","sentiment_score":0.2695189341902733},{"text":"So that essentially because you have that 9010 split that we went through, does mean that when the portfolios are working really well, you'll get really good growth out of it.","start":622.61,"end":631.555,"sentiment":"neutral","sentiment_score":0.30303421953032095},{"text":"However, when the markets do see a bit of a downtime, that is magnified because you are taking more risk in the market there.","start":631.555,"end":637.73505,"sentiment":"neutral","sentiment_score":-0.2152483449317515}],"sentiment":"neutral","sentiment_score":0.10981863465808007,"channel":0,"num_words":92,"start":612.44995,"end":637.73505},{"sentences":[{"text":"So I did go back and","start":638.195,"end":639.395,"sentiment":"neutral","sentiment_score":-0.034879403188824654}],"sentiment":"neutral","sentiment_score":-0.034879403188824654,"channel":0,"num_words":6,"start":638.195,"end":639.395},{"sentences":[{"text":"Yep.","start":639.27496,"end":639.77496,"sentiment":"neutral","sentiment_score":-0.002030427334830165}],"sentiment":"neutral","sentiment_score":-0.002030427334830165,"channel":1,"num_words":1,"start":639.27496,"end":639.77496},{"sentences":[{"text":"just look at all the investments, and I've decided to make some switches essentially just to sort of remove some underperforming investors to also update the portfolio so that it's working harder for you as well.","start":639.395,"end":649.77,"sentiment":"neutral","sentiment_score":0.03530960493824548}],"sentiment":"neutral","sentiment_score":0.03530960493824548,"channel":0,"num_words":36,"start":639.395,"end":649.77},{"sentences":[{"text":"Yep.","start":650.39496,"end":650.89496,"sentiment":"neutral","sentiment_score":0.006707105785608292}],"sentiment":"neutral","sentiment_score":0.006707105785608292,"channel":1,"num_words":1,"start":650.39496,"end":650.89496},{"sentences":[{"text":"Essentially, so what we are gonna do, we're just gonna sell off some of the cybersecurity.","start":650.87,"end":654.585,"sentiment":"neutral","sentiment_score":-0.06499275960959494},{"text":"It has been a little bit down this year.","start":655.04504,"end":656.885,"sentiment":"neutral","sentiment_score":-0.12081955704424116},{"text":"We'll see it come back in the turnaround.","start":656.885,"end":658.645,"sentiment":"neutral","sentiment_score":-0.07314490992575884},{"text":"We just have to waste that time to come, but you're a bit overexposed at the moment.","start":658.645,"end":662.325,"sentiment":"neutral","sentiment_score":-0.17214918662520015},{"text":"So we just wanna sell some off and bring you back to 6% exposure there.","start":662.325,"end":666.48,"sentiment":"neutral","sentiment_score":-0.08165929019451142}],"sentiment":"neutral","sentiment_score":-0.1055976149554436,"channel":0,"num_words":65,"start":650.87,"end":666.48},{"sentences":[{"text":"With the BetaShares India quality ETF, we are gonna sell that completely out of this portfolio.","start":667.27997,"end":672.33997,"sentiment":"neutral","sentiment_score":-0.009223412023857236},{"text":"And, also, with the Global Healthcare there, we're gonna remove that completely as well.","start":672.95996,"end":677.45996,"sentiment":"neutral","sentiment_score":-0.04448576471103089},{"text":"With the S and P 500, that's the third one fourth one down.","start":678.0,"end":681.755,"sentiment":"neutral","sentiment_score":0.0012441176491288038},{"text":"Sorry.","start":681.755,"end":681.995,"sentiment":"neutral","sentiment_score":-0.07758957147598267},{"text":"The IVV there.","start":681.995,"end":683.195,"sentiment":"neutral","sentiment_score":-0.11569715291261673}],"sentiment":"neutral","sentiment_score":-0.02508261274704908,"channel":0,"num_words":47,"start":667.27997,"end":683.195},{"sentences":[{"text":"You have about 27% exposure there.","start":683.195,"end":685.915,"sentiment":"neutral","sentiment_score":-0.16140157108505568},{"text":"I know there's been a lot with The US and the Iran war over the past, few months.","start":685.915,"end":690.895,"sentiment":"neutral","sentiment_score":-0.18961571902036667},{"text":"However, The US is still a good place to be invested.","start":691.035,"end":693.755,"sentiment":"neutral","sentiment_score":0.2980080053887584},{"text":"It does go through the ups and downs.","start":693.755,"end":695.615,"sentiment":"neutral","sentiment_score":0.05182032287120819},{"text":"However, the Australian economy always also follows through.","start":695.86,"end":698.84,"sentiment":"neutral","sentiment_score":0.14238550141453743}],"sentiment":"neutral","sentiment_score":0.008828280091870064,"channel":0,"num_words":51,"start":683.195,"end":698.84},{"sentences":[{"text":"So staying invested in the market in The US at the moment is still really important, and we wanted to buy a bit more exposure there.","start":699.06,"end":705.38,"sentiment":"neutral","sentiment_score":0.1966856740988218},{"text":"So we wanna hold 35% exposure on your portfolio.","start":705.38,"end":708.60004,"sentiment":"neutral","sentiment_score":0.24202565517690447},{"text":"So it means we just need to buy a little bit more of the S and P 500 there for you.","start":709.145,"end":713.485,"sentiment":"neutral","sentiment_score":0.16322035803681328},{"text":"Okay?","start":713.625,"end":714.125,"sentiment":"neutral","sentiment_score":0.06797541677951813}],"sentiment":"neutral","sentiment_score":0.1892572168195457,"channel":0,"num_words":57,"start":699.06,"end":714.125},{"sentences":[{"text":"Mhmm.","start":714.37,"end":714.87,"sentiment":"neutral","sentiment_score":0.043273184448480606}],"sentiment":"neutral","sentiment_score":0.043273184448480606,"channel":1,"num_words":1,"start":714.37,"end":714.87},{"sentences":[{"text":"You've also got the beta shares Raffy a 200 and the Bannalong Australian Equities.","start":715.225,"end":719.705,"sentiment":"neutral","sentiment_score":0.08234353815870625},{"text":"Now Bannalong, that investment has been underperforming this year within that investment portfolio.","start":719.705,"end":725.2,"sentiment":"neutral","sentiment_score":-0.15785121287290865},{"text":"Unfortunately, their investment managers haven't been able to outperform the market.","start":725.2,"end":728.56,"sentiment":"negative","sentiment_score":-0.47812277620488947},{"text":"So they're actually more of an actively managed fund, and that's their role.","start":728.56,"end":732.24,"sentiment":"neutral","sentiment_score":-0.22966079299266523},{"text":"They're trying to outperform the market, and they haven't been able to do so.","start":732.24,"end":735.36,"sentiment":"neutral","sentiment_score":-0.2207275056945426}],"sentiment":"neutral","sentiment_score":-0.18822126400012237,"channel":0,"num_words":65,"start":715.225,"end":735.36},{"sentences":[{"text":"They've had some underlying issues.","start":735.36,"end":737.04,"sentiment":"negative","sentiment_score":-0.3684996604919434},{"text":"So we're looking to get rid of all the then along Australian equities and as such remove the Raffy 200 as well and change your Australian exposure and move you out of any underperforming Australian equities.","start":737.04,"end":748.295,"sentiment":"neutral","sentiment_score":-0.18852173102398714},{"text":"To replace","start":748.675,"end":749.415,"sentiment":"neutral","sentiment_score":0.011530332267284393}],"sentiment":"neutral","sentiment_score":-0.20014465011136476,"channel":0,"num_words":43,"start":735.36,"end":749.415},{"sentences":[{"text":"Yep.","start":749.23,"end":749.715,"sentiment":"neutral","sentiment_score":0.030555030331015587}],"sentiment":"neutral","sentiment_score":0.030555030331015587,"channel":1,"num_words":1,"start":749.23,"end":749.715},{"sentences":[{"text":"that and keep your Australian equity exposure, we're gonna buy you into the a 200, which is the second one from the bottom.","start":749.475,"end":757.55,"sentiment":"neutral","sentiment_score":0.09585510744996693}],"sentiment":"neutral","sentiment_score":0.09585510744996693,"channel":0,"num_words":23,"start":749.475,"end":757.55},{"sentences":[{"text":"Yep.","start":758.195,"end":758.695,"sentiment":"neutral","sentiment_score":0.11501988023519516}],"sentiment":"neutral","sentiment_score":0.11501988023519516,"channel":1,"num_words":1,"start":758.195,"end":758.695},{"sentences":[{"text":"The main sort of difference between the Bennelong and this one is that Bennelong generally holds anywhere between 15 to 25 different investments, whereas the a 200 is more of a passively managed fund.","start":758.32996,"end":769.60504,"sentiment":"neutral","sentiment_score":0.006595713689046747},{"text":"It tracks the top 200 companies on the ASX, so it's giving you greater diversification.","start":769.745,"end":774.16504,"sentiment":"neutral","sentiment_score":0.2020051655670007},{"text":"And the same as with the S and P five ten 100, If a company doesn't meet the criteria to be in the top 200 companies on the in that indices that this is tracking, they are removed, and then it's replaced with something else.","start":775.10504,"end":788.22003,"sentiment":"neutral","sentiment_score":-0.04347611618124776},{"text":"So companies have a criteria to be within the top 200 index and same with the s and p five So those investments are passively managed.","start":788.22003,"end":796.165,"sentiment":"neutral","sentiment_score":0.02424627710850193},{"text":"They are tracking the indices, and they make changes as per the indices.","start":796.165,"end":800.485,"sentiment":"neutral","sentiment_score":0.12692962414943254}],"sentiment":"neutral","sentiment_score":0.02690522435744454,"channel":0,"num_words":133,"start":758.32996,"end":800.485},{"sentences":[{"text":"So it means you're always following the top 500 companies with the S and P 500.","start":800.485,"end":805.225,"sentiment":"neutral","sentiment_score":0.19377227826043963},{"text":"Or with the a 200, you're essentially always tracking the top 200 companies on the ASX, which is good.","start":805.38,"end":811.38,"sentiment":"positive","sentiment_score":0.36209946008105026},{"text":"It's also a cheaper investment, so it means more money stays invested in your portfolio rather than paid for investment fees, which is a benefit as well.","start":811.38,"end":819.14,"sentiment":"positive","sentiment_score":0.570151851133064},{"text":"Okay?","start":819.14,"end":819.64,"sentiment":"neutral","sentiment_score":0.1192784383893013}],"sentiment":"positive","sentiment_score":0.40466070813792093,"channel":0,"num_words":63,"start":800.485,"end":819.64},{"sentences":[{"text":"Yep.","start":819.96497,"end":820.46497,"sentiment":"neutral","sentiment_score":0.2160138189792633}],"sentiment":"neutral","sentiment_score":0.2160138189792633,"channel":1,"num_words":1,"start":819.96497,"end":820.46497},{"sentences":[{"text":"Excellent.","start":820.675,"end":821.175,"sentiment":"positive","sentiment_score":0.43032747507095337},{"text":"The JPMorgan Global Research Enhanced Equity Fund there, we are removing that solely.","start":822.035,"end":826.51495,"sentiment":"neutral","sentiment_score":0.04213344678282738},{"text":"It has been fine, but it is more of an actively managed fund.","start":826.51495,"end":829.07495,"sentiment":"neutral","sentiment_score":0.03437665534707216},{"text":"It does cost a lot more to have in your portfolio.","start":829.07495,"end":831.415,"sentiment":"neutral","sentiment_score":0.05370756441896612},{"text":"So we are looking to try and make the portfolio slightly cheaper as well to make sure it's working harder for you, but, obviously, reducing fees is important as well.","start":832.035,"end":840.51,"sentiment":"neutral","sentiment_score":0.11804304694135984}],"sentiment":"neutral","sentiment_score":0.08172107970013338,"channel":0,"num_words":68,"start":820.675,"end":840.51},{"sentences":[{"text":"Physical gold has done really well, has grown very, very nicely in your portfolio.","start":841.21,"end":846.17004,"sentiment":"positive","sentiment_score":0.6261766489062991},{"text":"You've got about 9% there at the moment.","start":846.17004,"end":848.51,"sentiment":"neutral","sentiment_score":0.2560690622776747},{"text":"We just wanna hold 7%.","start":848.705,"end":850.305,"sentiment":"neutral","sentiment_score":0.15299809873104095},{"text":"So it does mean just selling some of that physical gold or essentially taking some of the gains that the portfolio has been, cementing those gains, and spreading those out and reinvesting them back in your portfolio.","start":850.305,"end":861.525,"sentiment":"neutral","sentiment_score":0.3304430564513078},{"text":"That essentially helps the compounding effect.","start":861.905,"end":864.12,"sentiment":"positive","sentiment_score":0.3408774683872859}],"sentiment":"positive","sentiment_score":0.3693096282226699,"channel":0,"num_words":70,"start":841.21,"end":864.12},{"sentences":[{"text":"Does that make sense?","start":864.2,"end":865.33997,"sentiment":"neutral","sentiment_score":0.14688197895884514}],"sentiment":"neutral","sentiment_score":0.14688197895884514,"channel":0,"num_words":4,"start":864.2,"end":865.33997},{"sentences":[{"text":"Yep.","start":865.315,"end":865.815,"sentiment":"neutral","sentiment_score":0.16945675015449524}],"sentiment":"neutral","sentiment_score":0.16945675015449524,"channel":1,"num_words":1,"start":865.315,"end":865.815},{"sentences":[{"text":"Yep.","start":866.68,"end":867.08,"sentiment":"neutral","sentiment_score":0.24316029250621796},{"text":"Beautiful.","start":867.08,"end":867.56,"sentiment":"positive","sentiment_score":0.4828015565872192},{"text":"And then we've got the bank hybrids there.","start":867.56,"end":869.4,"sentiment":"neutral","sentiment_score":0.10423104930669069},{"text":"These are being phased out in the future as an investment product, so we are looking to remove those now whilst we're making these changes.","start":869.4,"end":876.06,"sentiment":"neutral","sentiment_score":0.08426567748188972},{"text":"It makes sense to make all the changes now rather than to do it now and then go back in another two years and make some smaller alterations then.","start":876.615,"end":883.675,"sentiment":"neutral","sentiment_score":0.18184198002363072}],"sentiment":"neutral","sentiment_score":0.13968546251999214,"channel":0,"num_words":64,"start":866.68,"end":883.675},{"sentences":[{"text":"Making all the changes at once makes a lot more sense.","start":884.135,"end":886.375,"sentiment":"positive","sentiment_score":0.36705243621360173},{"text":"So we're gonna remove those now whilst we can while we are making these changes.","start":886.375,"end":890.395,"sentiment":"neutral","sentiment_score":-0.06917568867405256},{"text":"And because","start":890.84,"end":891.48004,"sentiment":"neutral","sentiment_score":0.031850824132561684}],"sentiment":"neutral","sentiment_score":0.10941582558942693,"channel":0,"num_words":28,"start":884.135,"end":891.48004},{"sentences":[{"text":"Yep.","start":891.13,"end":891.63,"sentiment":"neutral","sentiment_score":0.06874224543571472}],"sentiment":"neutral","sentiment_score":0.06874224543571472,"channel":1,"num_words":1,"start":891.13,"end":891.63},{"sentences":[{"text":"with the high growth portfolio, you still wanna have around about 10% in defensive assets.","start":891.48004,"end":897.0,"sentiment":"neutral","sentiment_score":0.15034470707178116},{"text":"We're going to replace the bank hybrid there with the core composite bonds.","start":897.0,"end":901.10004,"sentiment":"neutral","sentiment_score":0.11527654471305701},{"text":"We're only gonna hold about 5% of this investment, but it essentially is replacing the defensive component that was held by the bank card reserve.","start":901.32,"end":910.285,"sentiment":"neutral","sentiment_score":0.09257819905877113},{"text":"Okay?","start":910.425,"end":910.925,"sentiment":"neutral","sentiment_score":0.1731621026992798}],"sentiment":"neutral","sentiment_score":0.11558116234287068,"channel":0,"num_words":54,"start":891.48004,"end":910.925},{"sentences":[{"text":"Sounds good.","start":912.63,"end":913.37,"sentiment":"positive","sentiment_score":0.45715294778347015}],"sentiment":"positive","sentiment_score":0.45715294778347015,"channel":1,"num_words":2,"start":912.63,"end":913.37},{"sentences":[{"text":"As down from aside from those, we're then gonna purchase into some European exposure, some Japanese exposure.","start":913.785,"end":920.1,"sentiment":"neutral","sentiment_score":0.050301521906957906},{"text":"We've also got the Vanguard all world index there.","start":920.1,"end":923.38,"sentiment":"neutral","sentiment_score":0.09261730892790689},{"text":"That's excluding The US because you have the S and P 500 above that one.","start":923.38,"end":928.2,"sentiment":"neutral","sentiment_score":0.03262320831418038},{"text":"And then, obviously, the beta shares a 200 and some bonds in there for defensive component for you.","start":928.26,"end":933.86,"sentiment":"neutral","sentiment_score":0.045860470169120364},{"text":"So that's the sense of the changes that we wanna make to your portfolio, making sure it works harder for you.","start":933.86,"end":939.215,"sentiment":"neutral","sentiment_score":0.1200426256372815}],"sentiment":"neutral","sentiment_score":0.06905516723636537,"channel":0,"num_words":80,"start":913.785,"end":939.215},{"sentences":[{"text":"With","start":939.835,"end":940.155,"sentiment":"neutral","sentiment_score":0.11284206807613371}],"sentiment":"neutral","sentiment_score":0.11284206807613371,"channel":0,"num_words":1,"start":939.835,"end":940.155},{"sentences":[{"text":"Yep.","start":940.04004,"end":940.54004,"sentiment":"neutral","sentiment_score":0.09595091640949248}],"sentiment":"neutral","sentiment_score":0.09595091640949248,"channel":1,"num_words":1,"start":940.04004,"end":940.54004},{"sentences":[{"text":"your cash account, we wanna hold or need to hold about 1.25% in cash.","start":940.155,"end":944.715,"sentiment":"neutral","sentiment_score":0.05642713632966791},{"text":"So you're a little bit over at the moment, so we'll just also reinvest some of your cash component as well.","start":944.715,"end":949.88,"sentiment":"neutral","sentiment_score":0.09162934727611996},{"text":"Okay?","start":949.88,"end":950.38,"sentiment":"neutral","sentiment_score":0.09399973601102828},{"text":"If you go down to page 21 for me, you can essentially see the outcome of making these changes.","start":952.04,"end":958.27997,"sentiment":"neutral","sentiment_score":0.15286458440517126},{"text":"It should show you the fee comparison table.","start":958.27997,"end":960.86,"sentiment":"neutral","sentiment_score":0.13384476583451033}],"sentiment":"neutral","sentiment_score":0.1076727169491942,"channel":0,"num_words":63,"start":940.155,"end":960.86},{"sentences":[{"text":"Yep.","start":961.375,"end":961.875,"sentiment":"neutral","sentiment_score":0.1310558021068573},{"text":"Yep.","start":965.31,"end":965.81,"sentiment":"neutral","sentiment_score":0.15378326177597046},{"text":"Okay.","start":965.95,"end":966.45,"sentiment":"positive","sentiment_score":0.3621964454650879}],"sentiment":"neutral","sentiment_score":0.2156785031159719,"channel":1,"num_words":3,"start":961.375,"end":966.45},{"sentences":[{"text":"Beautiful.","start":966.525,"end":967.025,"sentiment":"positive","sentiment_score":0.5828624963760376}],"sentiment":"positive","sentiment_score":0.5828624963760376,"channel":0,"num_words":1,"start":966.525,"end":967.025},{"sentences":[{"text":"One moment.","start":966.75,"end":967.41,"sentiment":"neutral","sentiment_score":0.3165460675954819}],"sentiment":"neutral","sentiment_score":0.3165460675954819,"channel":1,"num_words":2,"start":966.75,"end":967.41},{"sentences":[{"text":"So with this one here, you have your current portfolio between hub twenty four and Australian sleeper and the recommended there.","start":967.565,"end":974.37,"sentiment":"neutral","sentiment_score":0.22949951887130737},{"text":"You'll see by making the changes, it essentially we are putting more money into Hub twenty four, so the admin fee does increase just slightly there.","start":974.52997,"end":982.79,"sentiment":"neutral","sentiment_score":0.25921593463191617},{"text":"However, the investment fee between the two funds when making the changes actually saves you for the first year about $394.","start":983.25,"end":990.415,"sentiment":"positive","sentiment_score":0.49268915681611924},{"text":"So, essentially, we are expecting a decrease in investment fees, which is a positive for yourself.","start":990.415,"end":995.615,"sentiment":"positive","sentiment_score":0.6908792220056057},{"text":"It's more money staying in your portfolio compounding towards your retirement.","start":995.615,"end":999.315,"sentiment":"positive","sentiment_score":0.7045802744952115}],"sentiment":"positive","sentiment_score":0.42852660064634523,"channel":0,"num_words":95,"start":967.565,"end":999.315},{"sentences":[{"text":"Okay?","start":999.615,"end":1000.115,"sentiment":"neutral","sentiment_score":0.3092558979988098}],"sentiment":"neutral","sentiment_score":0.3092558979988098,"channel":0,"num_words":1,"start":999.615,"end":1000.115},{"sentences":[{"text":"Yes.","start":1000.9,"end":1001.4,"sentiment":"neutral","sentiment_score":0.2717413604259491}],"sentiment":"neutral","sentiment_score":0.2717413604259491,"channel":1,"num_words":1,"start":1000.9,"end":1001.4},{"sentences":[{"text":"With rolling some funds into Australians into, sorry, hub twenty four from Australian Super, it does obviously mean our ongoing adviser fee is increased just slightly.","start":1001.73004,"end":1011.35004,"sentiment":"neutral","sentiment_score":0.10678104454508194},{"text":"You do pay us the ongoing service fee for the monitoring and maintenance of looking after your super funds, providing advice, and working towards your goals, and it is 1.65% per annum there.","start":1011.41003,"end":1022.125,"sentiment":"neutral","sentiment_score":0.2741954976862127},{"text":"So this will increase to slightly expected by about a $198 there.","start":1022.425,"end":1026.845,"sentiment":"neutral","sentiment_score":0.18732555583119392},{"text":"And we also look after the Australian super account as well.","start":1027.0651,"end":1030.14,"sentiment":"neutral","sentiment_score":0.27751126885414124},{"text":"So we wanna make sure that we take all the stress of dealing with super away from you, and we're here to support you and provide this advice to make sure it's all working harder.","start":1030.3,"end":1038.16,"sentiment":"positive","sentiment_score":0.5107080983264106}],"sentiment":"neutral","sentiment_score":0.29914592009069574,"channel":0,"num_words":117,"start":1001.73004,"end":1038.16},{"sentences":[{"text":"Okay?","start":1038.22,"end":1038.72,"sentiment":"neutral","sentiment_score":0.2453051209449768}],"sentiment":"neutral","sentiment_score":0.2453051209449768,"channel":0,"num_words":1,"start":1038.22,"end":1038.72},{"sentences":[{"text":"Yep.","start":1038.9451,"end":1039.4451,"sentiment":"neutral","sentiment_score":0.30662065744400024}],"sentiment":"neutral","sentiment_score":0.30662065744400024,"channel":1,"num_words":1,"start":1038.9451,"end":1039.4451},{"sentences":[{"text":"One of the things we also did talk about was about building your super and if you were comfortable looking at making additional contributions.","start":1040.22,"end":1047.585,"sentiment":"neutral","sentiment_score":0.24010954921444258},{"text":"And so I have had a bit of a look in projecting forward.","start":1047.8049,"end":1050.785,"sentiment":"neutral","sentiment_score":0.2920908893530185},{"text":"And while some recommending that you do start salary sacrificing as well, I'm gonna recommend we start small.","start":1051.085,"end":1057.11,"sentiment":"neutral","sentiment_score":0.1325814893676175},{"text":"So starting with $50 on a weekly basis, that essentially gives us 2,600 over the course of the year.","start":1057.11,"end":1064.01,"sentiment":"neutral","sentiment_score":0.27492409866107137},{"text":"Starting smaller means that because you've got a bit more time ahead of you there, we can start smaller, help to see how that feels with your expenditure and with your take home pay, and then kind of build that over time as your comfort level increases.","start":1064.39,"end":1077.095,"sentiment":"neutral","sentiment_score":0.2730976013427085}],"sentiment":"neutral","sentiment_score":0.24797869990926144,"channel":0,"num_words":121,"start":1040.22,"end":1077.095},{"sentences":[{"text":"Your employer contributions do need to continue to go into Australian Super.","start":1078.275,"end":1082.435,"sentiment":"neutral","sentiment_score":0.05050208047032356},{"text":"It is the best way to go.","start":1082.435,"end":1083.895,"sentiment":"neutral","sentiment_score":0.19233130982943944},{"text":"But","start":1084.22,"end":1084.7001,"sentiment":"neutral","sentiment_score":0.143928200006485}],"sentiment":"neutral","sentiment_score":0.10481361672282219,"channel":0,"num_words":20,"start":1078.275,"end":1084.7001},{"sentences":[{"text":"Yep.","start":1084.6,"end":1085.1,"sentiment":"neutral","sentiment_score":0.1678040325641632}],"sentiment":"neutral","sentiment_score":0.1678040325641632,"channel":1,"num_words":1,"start":1084.6,"end":1085.1},{"sentences":[{"text":"I would like to see, if it's possible, if your employer is able to salary sacrifice that $50 on a weekly basis into your hub twenty four account.","start":1084.7001,"end":1093.28,"sentiment":"neutral","sentiment_score":0.15955112635024957},{"text":"Essentially, splitting those contributions does work more of a benefit to you because putting a little bit of money into both accounts on a regular basis is basically dollar cost averaging.","start":1093.66,"end":1103.535,"sentiment":"positive","sentiment_score":0.3943165483013276},{"text":"So you're taking advantage of the market ups and downs that can provide greater benefit long term for you as well.","start":1103.535,"end":1109.85,"sentiment":"positive","sentiment_score":0.5614925438449496},{"text":"And it means that we have we only have to do smaller rollovers out of Australian Super on a regular basis, which is also a benefit.","start":1110.01,"end":1116.75,"sentiment":"neutral","sentiment_score":0.2463108584857904},{"text":"One of the things I sort of, are negative about doing those rollovers every year is that it is a lump sum that's rolled out of Australian Super and into Hub twenty four.","start":1117.21,"end":1125.245,"sentiment":"negative","sentiment_score":-0.46007688930540375}],"sentiment":"neutral","sentiment_score":0.14175635201039075,"channel":0,"num_words":139,"start":1084.7001,"end":1125.245},{"sentences":[{"text":"So that money is invested all at one time, and that can have an effect on your super if you think about 13,000 being deposited into an investment.","start":1125.245,"end":1133.3451,"sentiment":"neutral","sentiment_score":0.23603649477341346},{"text":"If that's all invested, then the next day the market goes down a little bit.","start":1133.645,"end":1137.33,"sentiment":"neutral","sentiment_score":-0.2040203501780828},{"text":"Yes.","start":1137.57,"end":1137.8099,"sentiment":"neutral","sentiment_score":-0.024716872721910477},{"text":"It's been invested in at a downtime.","start":1137.8099,"end":1139.59,"sentiment":"neutral","sentiment_score":-0.12056434527039528},{"text":"However, it also means that it can take a little bit longer for the portfolio to recover back.","start":1139.89,"end":1144.69,"sentiment":"neutral","sentiment_score":-0.29747945194443065}],"sentiment":"neutral","sentiment_score":-0.038762040922175285,"channel":0,"num_words":69,"start":1125.245,"end":1144.69},{"sentences":[{"text":"So if we're able to split those contributions up through employer contributions to Australian so far, your salary sacrificing to have 24, it means your dollar cost averaging.","start":1144.69,"end":1154.695,"sentiment":"neutral","sentiment_score":0.1280935944191047},{"text":"And then each year when we do rollovers out of Australian Super, just to retain the 10,000, it's a smaller amount, and that can have a greater effect long term on working towards your goals.","start":1154.695,"end":1165.0499,"sentiment":"positive","sentiment_score":0.44366756549903325},{"text":"Does that make sense?","start":1165.0499,"end":1165.9299,"sentiment":"neutral","sentiment_score":0.16645324975252151},{"text":"And do you have questions so far?","start":1165.9299,"end":1167.7899,"sentiment":"neutral","sentiment_score":0.03542359971574375}],"sentiment":"neutral","sentiment_score":0.27065896801650524,"channel":0,"num_words":74,"start":1144.69,"end":1167.7899},{"sentences":[{"text":"No.","start":1168.36,"end":1168.68,"sentiment":"neutral","sentiment_score":-0.1412622332572937},{"text":"No question.","start":1168.68,"end":1169.3201,"sentiment":"neutral","sentiment_score":-0.15506907552480698},{"text":"So far, it doesn't make sense.","start":1169.3201,"end":1170.7001,"sentiment":"negative","sentiment_score":-0.36075153946876526}],"sentiment":"neutral","sentiment_score":-0.29065662456883323,"channel":1,"num_words":9,"start":1168.36,"end":1170.7001},{"sentences":[{"text":"No.","start":1170.73,"end":1170.8899,"sentiment":"negative","sentiment_score":-0.3547516167163849},{"text":"That's all good.","start":1170.8899,"end":1171.95,"sentiment":"neutral","sentiment_score":-0.03823853035767874},{"text":"Also, with your insurance premiums, they don't change.","start":1172.33,"end":1174.6499,"sentiment":"neutral","sentiment_score":-0.02627242263406515},{"text":"They stay exactly the same as they are for the time being, and I'll just keep making sure we touch base and have you any reviews every year.","start":1174.6499,"end":1181.195,"sentiment":"neutral","sentiment_score":0.16980059684387275},{"text":"Review your insurance levels, and when and if we are able to get new cover, we will.","start":1181.255,"end":1185.495,"sentiment":"neutral","sentiment_score":0.07948044709423009}],"sentiment":"neutral","sentiment_score":0.09519188988365625,"channel":0,"num_words":57,"start":1170.73,"end":1185.495},{"sentences":[{"text":"Otherwise, we can always look at other ways to build wealth and help you to kinda close that risk gap as well.","start":1185.495,"end":1190.615,"sentiment":"neutral","sentiment_score":0.2715796069665389},{"text":"Okay?","start":1190.615,"end":1191.115,"sentiment":"neutral","sentiment_score":0.11560863256454468},{"text":"When you kind of look at the changes we're making and the difference in the portfolio, so they're both high growth portfolios from where you are currently to the recommended.","start":1192.95,"end":1200.1699,"sentiment":"neutral","sentiment_score":0.08911562189459801},{"text":"But when we look at how the investments have performed over the past five years, the last of the current high growth portfolio has generally averaged about 10.25%.","start":1200.63,"end":1211.6649,"sentiment":"neutral","sentiment_score":0.10040388070046902},{"text":"The newer portfolio has had in the past a greater past performance, which if it can do that again over the next five to ten years can give you a greater return and therefore put you in a much better position.","start":1211.725,"end":1223.02,"sentiment":"positive","sentiment_score":0.41119446659960396}],"sentiment":"neutral","sentiment_score":0.23306647895789537,"channel":0,"num_words":122,"start":1185.495,"end":1223.02},{"sentences":[{"text":"And the next page does show you the projection over the five to ten years and what's estimated based on the rate of return that we you know, what sorry.","start":1223.08,"end":1232.4401,"sentiment":"neutral","sentiment_score":0.11420657249788443},{"text":"The portfolio has been able to return over the past five years.","start":1232.4401,"end":1235.625,"sentiment":"neutral","sentiment_score":0.19191698310896754},{"text":"Obviously, I do like to make sure you're aware portfolios do react differently.","start":1236.105,"end":1240.685,"sentiment":"neutral","sentiment_score":-0.005437629798857065},{"text":"I'm not guaranteeing the return in any way, shape, or form, but this is just showing you how it has performed over the past five years.","start":1240.985,"end":1247.565,"sentiment":"neutral","sentiment_score":0.025630706133177646},{"text":"This year has definitely been a bit up and down with what's happening, and we can never predict what's going to happen, but we use past data on how portfolios have performed to help us project what we expect to happen in the future if we can get the same market conditions there.","start":1247.88,"end":1262.955,"sentiment":"neutral","sentiment_score":-0.08818639990574909}],"sentiment":"neutral","sentiment_score":0.012321126487439693,"channel":0,"num_words":134,"start":1223.08,"end":1262.955},{"sentences":[{"text":"Okay.","start":1263.195,"end":1263.695,"sentiment":"neutral","sentiment_score":0.2812715172767639},{"text":"Perfect.","start":1265.4349,"end":1265.755,"sentiment":"positive","sentiment_score":0.5937563180923462},{"text":"Do you have any questions so far?","start":1265.755,"end":1267.195,"sentiment":"neutral","sentiment_score":0.25092839768954683},{"text":"You're welcome to let me know if anything pops up.","start":1267.195,"end":1269.5349,"sentiment":"positive","sentiment_score":0.37898650467395784}],"sentiment":"positive","sentiment_score":0.33796798241765874,"channel":0,"num_words":19,"start":1263.195,"end":1269.5349},{"sentences":[{"text":"Yeah.","start":1270.275,"end":1270.595,"sentiment":"neutral","sentiment_score":0.14953355491161346},{"text":"I understand.","start":1270.595,"end":1271.255,"sentiment":"neutral","sentiment_score":0.13787906616926193},{"text":"I just yeah.","start":1271.315,"end":1271.955,"sentiment":"neutral","sentiment_score":0.10968599220116933},{"text":"It's pretty straightforward","start":1271.955,"end":1273.015,"sentiment":"neutral","sentiment_score":0.17866252859433493}],"sentiment":"neutral","sentiment_score":0.14337080551518333,"channel":1,"num_words":9,"start":1270.275,"end":1273.015},{"sentences":[{"text":"Yeah.","start":1272.635,"end":1273.135,"sentiment":"neutral","sentiment_score":0.161421537399292}],"sentiment":"neutral","sentiment_score":0.161421537399292,"channel":0,"num_words":1,"start":1272.635,"end":1273.135},{"sentences":[{"text":"so far.","start":1273.075,"end":1273.735,"sentiment":"neutral","sentiment_score":0.1540943682193756}],"sentiment":"neutral","sentiment_score":0.1540943682193756,"channel":1,"num_words":2,"start":1273.075,"end":1273.735},{"sentences":[{"text":"It is.","start":1273.755,"end":1274.315,"sentiment":"neutral","sentiment_score":0.1637384369969368},{"text":"Yeah.","start":1274.315,"end":1274.635,"sentiment":"neutral","sentiment_score":0.1953778862953186},{"text":"Absolutely.","start":1274.635,"end":1275.135,"sentiment":"neutral","sentiment_score":0.264162540435791},{"text":"Underneath that, I go through a bit more around the salary sacrifice.","start":1276.99,"end":1279.95,"sentiment":"neutral","sentiment_score":0.006819639044503371},{"text":"I've explained that to you.","start":1279.95,"end":1281.1499,"sentiment":"neutral","sentiment_score":0.11245464086532593}],"sentiment":"neutral","sentiment_score":0.06814886540884063,"channel":0,"num_words":21,"start":1273.755,"end":1281.1499},{"sentences":[{"text":"So feel free to have a read through those as well.","start":1281.1499,"end":1284.19,"sentiment":"neutral","sentiment_score":0.140048894692551},{"text":"In each of the pages here, we have best interest duties.","start":1284.19,"end":1286.75,"sentiment":"neutral","sentiment_score":0.11078347943045876},{"text":"So, essentially, aligning the recommendations to your goals, Essentially, with hub twenty four retaining the super super funds does work in your best interest as you're not having to go through the process of moving all your super out, selling everything down, and moving out.","start":1286.75,"end":1301.835,"sentiment":"neutral","sentiment_score":0.2311626296904352},{"text":"We estimated with looking at the CGT effects, your super actually does do a tax return just like you every year.","start":1301.975,"end":1308.4299,"sentiment":"neutral","sentiment_score":0.23138947430111112},{"text":"And in order to make the changes in the portfolio, there's no CGT effect on the super fund.","start":1308.73,"end":1314.65,"sentiment":"neutral","sentiment_score":0.07658791873190138}],"sentiment":"neutral","sentiment_score":0.18301165989547405,"channel":0,"num_words":106,"start":1281.1499,"end":1314.65},{"sentences":[{"text":"We've estimated zero looking at sort of how that is because Bennelong has been down.","start":1314.65,"end":1318.97,"sentiment":"neutral","sentiment_score":0.016842780262231828},{"text":"It's essentially offsetting all the other gains for being able to maneuver the rest of the portfolio for you.","start":1318.97,"end":1324.795,"sentiment":"neutral","sentiment_score":0.1950836048314446},{"text":"So that is one fantastic benefit.","start":1324.795,"end":1326.7351,"sentiment":"positive","sentiment_score":0.6058985491593679},{"text":"It means that there's more money left in your super.","start":1327.275,"end":1329.6151,"sentiment":"positive","sentiment_score":0.438851660490036},{"text":"Salary sacrificing, again, does mean there's more money compounding and working harder for you.","start":1329.675,"end":1334.415,"sentiment":"neutral","sentiment_score":-0.11008911792721067}],"sentiment":"neutral","sentiment_score":0.16315453819697723,"channel":0,"num_words":64,"start":1314.65,"end":1334.415},{"sentences":[{"text":"One of the big things we tend to not sort of think about is when we get to the age of 60, 65, or 70, depending on when we retire, that's just when we stop officially working.","start":1334.51,"end":1344.43,"sentiment":"neutral","sentiment_score":-0.09116327047750757},{"text":"But in retirement, we can often have anywhere between ten, twenty, thirty.","start":1344.43,"end":1348.51,"sentiment":"neutral","sentiment_score":-0.04713828846191367},{"text":"Some people spend forty years in retirement, which is a whole another lifetime.","start":1348.51,"end":1351.985,"sentiment":"neutral","sentiment_score":-0.0013987596791524154},{"text":"So we still need to make sure super works as long as possible in those years.","start":1352.125,"end":1356.525,"sentiment":"neutral","sentiment_score":0.06994700571522117},{"text":"So being able to start salary sacrificing now and adding as much as we can in now, you do get a greater benefit with the compounding effect towards that retirement, but then it continues as it stays invested throughout those retirement years as 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circumstances there, and salary sacrifices are pretax deductions.","start":1373.62,"end":1387.345,"sentiment":"positive","sentiment_score":0.36112165989147293},{"text":"So it does help to reduce your overall income tax, which is another great benefit of doing that.","start":1387.485,"end":1392.7849,"sentiment":"positive","sentiment_score":0.6407764504353205}],"sentiment":"positive","sentiment_score":0.4573801818219098,"channel":0,"num_words":55,"start":1372.1,"end":1392.7849},{"sentences":[{"text":"Yep.","start":1393.495,"end":1393.95,"sentiment":"neutral","sentiment_score":0.19329623878002167}],"sentiment":"neutral","sentiment_score":0.19329623878002167,"channel":1,"num_words":1,"start":1393.495,"end":1393.95},{"sentences":[{"text":"The other thing I wanted to kinda touch base on was the the beneficiaries.","start":1393.75,"end":1397.77,"sentiment":"neutral","sentiment_score":0.14458894729614258},{"text":"So in the event that something was to happen, you wanted to have your mom as your beneficiary.","start":1397.99,"end":1403.13,"sentiment":"neutral","sentiment_score":0.08679401791758007},{"text":"Unfortunately,","start":1404.15,"end":1404.65,"sentiment":"neutral","sentiment_score":-0.0979386568069458}],"sentiment":"neutral","sentiment_score":0.105715119025924,"channel":0,"num_words":33,"start":1393.75,"end":1404.65},{"sentences":[{"text":"Yep.","start":1404.35,"end":1404.85,"sentiment":"neutral","sentiment_score":-0.11049965023994446}],"sentiment":"neutral","sentiment_score":-0.11049965023994446,"channel":1,"num_words":1,"start":1404.35,"end":1404.85},{"sentences":[{"text":"with superannuation legislation, in order to be a beneficiary, they have a certain criteria.","start":1404.79,"end":1410.525,"sentiment":"neutral","sentiment_score":-0.17211778834462166},{"text":"It needs to be a spouse, a child, someone who isn't has an interdependent relationship with you or someone who relies on you financially.","start":1411.145,"end":1419.0851,"sentiment":"neutral","sentiment_score":-0.09537927418326338},{"text":"So, essentially, for your if anything was to happen for your mom to go make a claim currently, she would have to be out of prove that she, a, lived with you, relied on you financially, you paid all of her bills, and things like that.","start":1419.305,"end":1432.1699,"sentiment":"neutral","sentiment_score":-0.13919202432684277},{"text":"That's a pretty tough thing to try and claim again.","start":1432.1699,"end":1434.89,"sentiment":"negative","sentiment_score":-0.33948276937007904},{"text":"So it doesn't,","start":1434.89,"end":1436.19,"sentiment":"neutral","sentiment_score":-0.08493322630723317}],"sentiment":"neutral","sentiment_score":-0.15207435163794106,"channel":0,"num_words":97,"start":1404.79,"end":1436.19},{"sentences":[{"text":"Yeah.","start":1435.85,"end":1436.35,"sentiment":"neutral","sentiment_score":-0.18597464263439176}],"sentiment":"neutral","sentiment_score":-0.18597464263439176,"channel":1,"num_words":1,"start":1435.85,"end":1436.35},{"sentences":[{"text":"unfortunately, mean that she would not the nomination wouldn't be valid, and it's probably really horrible for her to have to go through that process because it would come back and they would let her know she wasn't eligible for.","start":1436.33,"end":1447.2949,"sentiment":"negative","sentiment_score":-0.3833260230720043},{"text":"And it's probably the worst time in her life to be going and having that claim and being off that court.","start":1447.2949,"end":1451.9349,"sentiment":"negative","sentiment_score":-0.3690084020296733},{"text":"So I've made a recommendation on page 33 for you where we update your beneficiary nominations.","start":1451.9349,"end":1459.64,"sentiment":"neutral","sentiment_score":0.07654758216813207},{"text":"I'm recommending we tick them off as a binding, non lapsing nomination, which means the trustee is bound to follow the direction, and non lapsing means you only have to fill this out one time.","start":1460.5801,"end":1470.885,"sentiment":"neutral","sentiment_score":0.1573875916855676},{"text":"You don't have to keep filling the nomination out unless your circumstances change.","start":1470.885,"end":1474.985,"sentiment":"neutral","sentiment_score":-0.05930110740546997}],"sentiment":"neutral","sentiment_score":-0.13695843790471554,"channel":0,"num_words":125,"start":1436.33,"end":1474.985},{"sentences":[{"text":"And then","start":1475.525,"end":1476.005,"sentiment":"neutral","sentiment_score":0.08303406834602356}],"sentiment":"neutral","sentiment_score":0.08303406834602356,"channel":0,"num_words":2,"start":1475.525,"end":1476.005},{"sentences":[{"text":"Yep.","start":1475.965,"end":1476.465,"sentiment":"neutral","sentiment_score":0.08293387293815613}],"sentiment":"neutral","sentiment_score":0.08293387293815613,"channel":1,"num_words":1,"start":1475.965,"end":1476.465},{"sentences":[{"text":"we tick off the legal personal representative box.","start":1476.005,"end":1479.54,"sentiment":"neutral","sentiment_score":0.03057170333340764},{"text":"This essentially means that if you were to unfortunately pass away, your super can be claimed by your executor of your will.","start":1480.02,"end":1487.9601,"sentiment":"neutral","sentiment_score":0.008321345191110264},{"text":"The funds from your life insurance and your super just get paid directly to your estate, and then it's really important you have a will done up.","start":1488.74,"end":1496.825,"sentiment":"neutral","sentiment_score":0.1272051891794911},{"text":"And in that will, you can nominate any person you like.","start":1496.825,"end":1500.665,"sentiment":"neutral","sentiment_score":0.30432130125435913},{"text":"Your mom, you can request some money to a charity, your best friend from ten years ago, someone you've just met tomorrow.","start":1500.665,"end":1507.165,"sentiment":"neutral","sentiment_score":0.309903927824714}],"sentiment":"neutral","sentiment_score":0.1558622672739956,"channel":0,"num_words":90,"start":1476.005,"end":1507.165},{"sentences":[{"text":"You can nominate anyone you like.","start":1507.49,"end":1509.3301,"sentiment":"positive","sentiment_score":0.3853491147359212},{"text":"And there's a lot more you have a lot more say in how you want the funds to be paid and where to.","start":1509.3301,"end":1514.87,"sentiment":"neutral","sentiment_score":0.2538948648649713},{"text":"And that just means that that the funds can be paid to your mom, much easier process involved.","start":1515.41,"end":1520.55,"sentiment":"positive","sentiment_score":0.39429742263423073},{"text":"And it's just really important you have a will drawn up and a power of attorney if possible as well.","start":1521.4851,"end":1526.4651,"sentiment":"neutral","sentiment_score":0.22348528690636157},{"text":"If you did do the beneficiary nominations and we had LPR nominated and there's no will in place, it does mean everything still, once it gets paid to your state, goes through probate, which is a terrible, horrible process for for family members to go through.","start":1527.005,"end":1540.96,"sentiment":"neutral","sentiment_score":-0.10088099069569421}],"sentiment":"neutral","sentiment_score":0.1334354898570913,"channel":0,"num_words":113,"start":1507.49,"end":1540.96},{"sentences":[{"text":"But this is the best way to have that nomination set up for your 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up?","start":1548.4249,"end":1551.6449,"sentiment":"neutral","sentiment_score":0.056320366263389585}],"sentiment":"neutral","sentiment_score":0.056224186312068596,"channel":1,"num_words":11,"start":1548.105,"end":1551.6449},{"sentences":[{"text":"Which part?","start":1552.365,"end":1553.085,"sentiment":"neutral","sentiment_score":0.026428334414958954},{"text":"The beneficiary or the will?","start":1553.085,"end":1554.705,"sentiment":"neutral","sentiment_score":0.01900412663817406}],"sentiment":"neutral","sentiment_score":0.021125328860112598,"channel":0,"num_words":7,"start":1552.365,"end":1554.705},{"sentences":[{"text":"But will I understand the beneficiary?","start":1555.705,"end":1557.4049,"sentiment":"neutral","sentiment_score":0.005897330120205879},{"text":"Do I have to do that?","start":1557.465,"end":1558.4249,"sentiment":"neutral","sentiment_score":0.008093276216338078},{"text":"Or","start":1558.4249,"end":1558.9249,"sentiment":"neutral","sentiment_score":0.047717802226543427}],"sentiment":"neutral","sentiment_score":0.010127803095831322,"channel":1,"num_words":13,"start":1555.705,"end":1558.9249},{"sentences":[{"text":"We will help you.","start":1559.085,"end":1559.965,"sentiment":"neutral","sentiment_score":0.1010321844369173},{"text":"So we'll get the beneficiary form for hub twenty four.","start":1559.965,"end":1562.68,"sentiment":"neutral","sentiment_score":0.12126558050513267},{"text":"Are you comfortable with our team pre filling that for you, taking","start":1562.68,"end":1566.36,"sentiment":"neutral","sentiment_score":0.13715905199448267}],"sentiment":"neutral","sentiment_score":0.12548819872049186,"channel":0,"num_words":26,"start":1559.085,"end":1566.36},{"sentences":[{"text":"yes.","start":1566.29,"end":1566.79,"sentiment":"neutral","sentiment_score":0.1602892130613327}],"sentiment":"neutral","sentiment_score":0.1602892130613327,"channel":1,"num_words":1,"start":1566.29,"end":1566.79},{"sentences":[{"text":"the nonlapsing binding, taking the LPR in a 100%?","start":1566.36,"end":1569.56,"sentiment":"neutral","sentiment_score":0.1068414996067683},{"text":"You're comfortable with us doing that for you?","start":1569.56,"end":1571.66,"sentiment":"neutral","sentiment_score":0.14851107634603977}],"sentiment":"neutral","sentiment_score":0.12645071218995488,"channel":0,"num_words":17,"start":1566.36,"end":1571.66},{"sentences":[{"text":"Yeah.","start":1571.97,"end":1572.47,"sentiment":"neutral","sentiment_score":0.08612862229347229},{"text":"You guys","start":1572.6901,"end":1573.09,"sentiment":"neutral","sentiment_score":0.11002786457538605}],"sentiment":"neutral","sentiment_score":0.1020614504814148,"channel":1,"num_words":3,"start":1571.97,"end":1573.09},{"sentences":[{"text":"Yep.","start":1572.92,"end":1573.24,"sentiment":"neutral","sentiment_score":0.11383654177188872}],"sentiment":"neutral","sentiment_score":0.11383654177188872,"channel":0,"num_words":1,"start":1572.92,"end":1573.24},{"sentences":[{"text":"know 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there for you for both hub twenty four and Australian super, and then we can either post them to you or email or both, whatever your preference is.","start":1576.295,"end":1585.415,"sentiment":"neutral","sentiment_score":0.18457324989140034},{"text":"What would you prefer to happen?","start":1585.415,"end":1587.035,"sentiment":"neutral","sentiment_score":0.07323444820940495}],"sentiment":"neutral","sentiment_score":0.17016886876419532,"channel":0,"num_words":43,"start":1575.255,"end":1587.035},{"sentences":[{"text":"I prefer both, 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a problem.","start":1592.1901,"end":1593.01,"sentiment":"positive","sentiment_score":0.5537084440390269},{"text":"We'll get those out to you.","start":1593.23,"end":1594.67,"sentiment":"positive","sentiment_score":0.3459559579690297},{"text":"Once they are received by yourself, you just gotta check the information is accurate.","start":1594.67,"end":1598.61,"sentiment":"neutral","sentiment_score":0.2034150149141039}],"sentiment":"neutral","sentiment_score":0.2894447773694992,"channel":0,"num_words":25,"start":1590.67,"end":1598.61},{"sentences":[{"text":"On the very last page, there is a signature placed for you, and you do have to have it witnessed by two other people.","start":1599.15,"end":1604.8351,"sentiment":"neutral","sentiment_score":0.10810975171625614},{"text":"Because it's a legal personal representative, the witness can be your mom.","start":1605.375,"end":1608.8151,"sentiment":"neutral","sentiment_score":0.16476151968042055},{"text":"It can be an excellent neighbor, two guys at work, whatever you're comfortable with.","start":1608.8151,"end":1612.755,"sentiment":"positive","sentiment_score":0.5296553703291076},{"text":"That it just has to be someone over 18 and two witnesses on a binding nomination.","start":1613.055,"end":1618.17,"sentiment":"neutral","sentiment_score":0.14706639060750604},{"text":"So","start":1618.4701,"end":1618.9701,"sentiment":"neutral","sentiment_score":0.1673143208026886}],"sentiment":"neutral","sentiment_score":0.216527224365455,"channel":0,"num_words":67,"start":1599.15,"end":1618.9701},{"sentences":[{"text":"Yep.","start":1619.09,"end":1619.59,"sentiment":"neutral","sentiment_score":0.2705104649066925}],"sentiment":"neutral","sentiment_score":0.2705104649066925,"channel":1,"num_words":1,"start":1619.09,"end":1619.59},{"sentences":[{"text":"if you can get them signed and witnessed and sent back to us, we will have them applied.","start":1619.1901,"end":1623.53,"sentiment":"neutral","sentiment_score":0.21942216075128979},{"text":"And then as part of the review process each year, will reconfirm that you're still comfortable with that nomination.","start":1623.67,"end":1629.785,"sentiment":"neutral","sentiment_score":0.23907223579130674},{"text":"When and if something happens, you wanna change that nomination, we can absolutely help you.","start":1630.3251,"end":1634.8251,"sentiment":"positive","sentiment_score":0.38891831040382385},{"text":"And then it's just really important that you do have a will drawn up really, really quickly.","start":1635.125,"end":1639.0651,"sentiment":"neutral","sentiment_score":0.2214780949494418},{"text":"We can always send you some information on a local solicitor that we can refer you through to.","start":1639.74,"end":1644.3,"sentiment":"neutral","sentiment_score":0.12506334649191964}],"sentiment":"neutral","sentiment_score":0.23381625150126972,"channel":0,"num_words":87,"start":1619.1901,"end":1644.3},{"sentences":[{"text":"Or often, all all the states do have, like, local trustees, and they do charge only a small amount for a very basic will or a will kit you can pick up from the post office, I think, these days.","start":1644.3,"end":1655.985,"sentiment":"neutral","sentiment_score":0.0904172751121223},{"text":"The last time I saw one was a few weeks back.","start":1655.985,"end":1657.8251,"sentiment":"neutral","sentiment_score":0.028078004040501335},{"text":"It was about 30 odd dollars.","start":1657.8251,"end":1659.425,"sentiment":"neutral","sentiment_score":0.046115078032016754},{"text":"So you can also just do a will kit that way if it's preferable and easier, but just having a valid will help that beneficiary receive the funds in the, you know, small event that something was to happen to you prematurely.","start":1659.425,"end":1672.98,"sentiment":"neutral","sentiment_score":0.11315023100801877},{"text":"Okay.","start":1673.76,"end":1674.26,"sentiment":"neutral","sentiment_score":0.10195167362689972}],"sentiment":"neutral","sentiment_score":0.09056500893086195,"channel":0,"num_words":100,"start":1644.3,"end":1674.26},{"sentences":[{"text":"Yep.","start":1675.2301,"end":1675.55,"sentiment":"neutral","sentiment_score":0.10483195632696152},{"text":"No worries.","start":1675.55,"end":1676.37,"sentiment":"neutral","sentiment_score":0.1539064198732376}],"sentiment":"neutral","sentiment_score":0.13754826535781225,"channel":1,"num_words":3,"start":1675.2301,"end":1676.37},{"sentences":[{"text":"Yeah.","start":1676.64,"end":1677.14,"sentiment":"neutral","sentiment_score":0.25451627373695374},{"text":"All good.","start":1677.36,"end":1678.095,"sentiment":"positive","sentiment_score":0.40533362329006195},{"text":"That is a lot, and I get it.","start":1678.335,"end":1680.015,"sentiment":"positive","sentiment_score":0.3414561077952385},{"text":"You're welcome to go back and have a really good read of that.","start":1680.015,"end":1682.735,"sentiment":"positive","sentiment_score":0.48995940960370576},{"text":"I've got advantages, disadvantages, lists in there for you, outlining a bit of information on all those strategies for you as well.","start":1682.735,"end":1690.115,"sentiment":"neutral","sentiment_score":0.23216744309121912}],"sentiment":"neutral","sentiment_score":0.332043227294217,"channel":0,"num_words":46,"start":1676.64,"end":1690.115},{"sentences":[{"text":"Is any questions that might have popped up to mind, or did you want me to re clarify anything 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gotta","start":1697.185,"end":1697.665,"sentiment":"neutral","sentiment_score":0.06027140220006307}],"sentiment":"neutral","sentiment_score":0.07044172925608498,"channel":1,"num_words":7,"start":1696.145,"end":1697.665},{"sentences":[{"text":"yeah.","start":1697.66,"end":1698.16,"sentiment":"neutral","sentiment_score":0.05620330572128296}],"sentiment":"neutral","sentiment_score":0.05620330572128296,"channel":0,"num_words":1,"start":1697.66,"end":1698.16},{"sentences":[{"text":"go look find someone that can sort","start":1697.665,"end":1700.385,"sentiment":"neutral","sentiment_score":0.04606093945247786}],"sentiment":"neutral","sentiment_score":0.04606093945247786,"channel":1,"num_words":7,"start":1697.665,"end":1700.385},{"sentences":[{"text":"Yeah.","start":1700.38,"end":1700.88,"sentiment":"neutral","sentiment_score":0.025802716612815857}],"sentiment":"neutral","sentiment_score":0.025802716612815857,"channel":0,"num_words":1,"start":1700.38,"end":1700.88},{"sentences":[{"text":"of do wheels realistically.","start":1700.385,"end":1701.605,"sentiment":"neutral","sentiment_score":0.013477266766130924}],"sentiment":"neutral","sentiment_score":0.013477266766130924,"channel":1,"num_words":4,"start":1700.385,"end":1701.605},{"sentences":[{"text":"That's okay.","start":1702.3151,"end":1702.875,"sentiment":"neutral","sentiment_score":0.18259678035974503},{"text":"What do you if you like, I can send through some information on the local trustee plus maybe a bit of a pricing on the local solicitor where you used to give you a bit of a comparison if you like, just 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on that document or DocuSign there to sort of fall back on to read up on.","start":1729.58,"end":1747.32,"sentiment":"neutral","sentiment_score":0.20544993552294644}],"sentiment":"neutral","sentiment_score":0.25895945407167265,"channel":0,"num_words":79,"start":1722.7799,"end":1747.32},{"sentences":[{"text":"We've also got the appendices, which does outline some of the research that was conducted for you as 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love it.","start":1827.7189,"end":1828.4388,"sentiment":"positive","sentiment_score":0.8354731202125549},{"text":"You enjoy your day off.","start":1828.4388,"end":1829.7189,"sentiment":"positive","sentiment_score":0.7900931715965271},{"text":"You deserve it.","start":1829.7189,"end":1830.7789,"sentiment":"positive","sentiment_score":0.7470363179842631}],"sentiment":"positive","sentiment_score":0.7651844918727875,"channel":0,"num_words":12,"start":1827.0789,"end":1830.7789},{"sentences":[{"text":"No worries.","start":1831.1449,"end":1831.7849,"sentiment":"positive","sentiment_score":0.459429606795311},{"text":"You have a good day.","start":1831.7849,"end":1832.765,"sentiment":"positive","sentiment_score":0.6630179047584533}],"sentiment":"positive","sentiment_score":0.6048498196261269,"channel":1,"num_words":7,"start":1831.1449,"end":1832.765},{"sentences":[{"text":"Thank you so much, Jason.","start":1832.9989,"end":1834.2789,"sentiment":"positive","sentiment_score":0.7905629992485046},{"text":"Talk to you soon.","start":1834.2789,"end":1834.9989,"sentiment":"positive","sentiment_score":0.5750526934862137},{"text":"See you later.","start":1834.9989,"end":1835.8188,"sentiment":"positive","sentiment_score":0.3875373105208079}],"sentiment":"positive","sentiment_score":0.6179698084791502,"channel":0,"num_words":12,"start":1832.9989,"end":1835.8188},{"sentences":[{"text":"Alright.","start":1835.5449,"end":1835.865,"sentiment":"neutral","sentiment_score":0.19966751337051392},{"text":"Bye.","start":1835.865,"end":1836.365,"sentiment":"neutral","sentiment_score":0.17469871044158936}],"sentiment":"neutral","sentiment_score":0.18718311190605164,"channel":1,"num_words":2,"start":1835.5449,"end":1836.365},{"sentences":[{"text":"Bye.","start":1836.6788,"end":1837.1788,"sentiment":"neutral","sentiment_score":-0.10419448465108871}],"sentiment":"neutral","sentiment_score":-0.10419448465108871,"channel":0,"num_words":1,"start":1836.6788,"end":1837.1788}]},"summary":{"result":"success","short":"Representatives from OQ Financial called Jason to confirm personal information and provide financial advice. They discussed updating retirement income coverage, investment opportunities, and staying at home to build wealth outside of the customer's current coverage. The agents also discussed updating retirement income coverage, selling off some cybersecurity investments, and balancing contributions and risk management. The speakers emphasized the importance of filling out non- lapsing nomination forms and updating beneficiary nominations. The conversation ended with instructions on updating beneficiary nominations and reading and signing the product disclosure statements."},"intents":{"segments":[{"text":"I had to put in to go through your statement of advice this morning. I do apologize for running a little bit late there, but is now still a good time there for you? Yeah.","start_word":23,"end_word":57,"intents":[{"intent":"Request status of statement of advice","confidence_score":0.00042115673},{"intent":"Inquire about status of statement of advice","confidence_score":0.0009317747}]},{"text":"And just to also go through security there with you, just to confirm your full name, your date of birth, and address I should have on file? Yep.","start_word":99,"end_word":126,"intents":[{"intent":"Request additional information about security","confidence_score":0.00011272401}]},{"text":"Thank you so much for that. So, Jason, I do have your advice document ready to go. I'm gonna email you a copy of it. Are you able to access your emails at the moment or preferably not at the moment? Either way is Yeah.","start_word":149,"end_word":193,"intents":[{"intent":"Request email communication","confidence_score":0.0034069554},{"intent":"Request email","confidence_score":0.00083170325},{"intent":"Provide reference for email communication","confidence_score":2.617127e-7}]},{"text":"I'm just sending this one through if you can let me know when it's received. Yeah.","start_word":227,"end_word":242,"intents":[{"intent":"Confirm receipt of advice document","confidence_score":0.042092346},{"intent":"Request response","confidence_score":0.00047160467}]},{"text":"Your desired Yes.","start_word":650,"end_word":652,"intents":[{"intent":"Plan retirement","confidence_score":0.030902077}]},{"text":"So we did go out there and do some pre assessments and have a look at what options may be available, and I have definitely made some recommendations there for you below as well. Yep.","start_word":688,"end_word":722,"intents":[{"intent":"Recommend options","confidence_score":0.059390705},{"intent":"Discuss investment options","confidence_score":0.15044299}]},{"text":"And then also to see estate planning side of things.","start_word":722,"end_word":731,"intents":[{"intent":"Discuss estate planning","confidence_score":0.51987696}]},{"text":"Have you kind of increased the savings, or has that sort of No. held back Not really.","start_word":934,"end_word":950,"intents":[{"intent":"Discuss retirement savings","confidence_score":0.06501393}]},{"text":"I have down here around page number nine, the assets and liabilities. This is sort of sort of noted on what we had last time we were able to catch up with you and update all the details there. The silver coin collection is based on the current silver price, so that can change and fluctuate. But are there any major changes to, obviously, any of those other assets or liabilities that you wanna have changed in the back end at all?","start_word":1075,"end_word":1156,"intents":[{"intent":"Update and update details","confidence_score":0.06283306}]},{"text":"So if you can scroll down to page 18 for me, and this has essentially got the heading, the recommended investment superannuation. Yep. Okay.","start_word":1230,"end_word":1253,"intents":[{"intent":"Discuss and discuss investments","confidence_score":0.0005677511}]},{"text":"So the main with the recommendations, essentially, I'll start by just explaining the insurances to you.","start_word":1257,"end_word":1272,"intents":[{"intent":"Explain insurances","confidence_score":0.46016338}]},{"text":"one thing I did find that I can research for you is if you do get a pay increase in the future, let us know straight away.","start_word":1368,"end_word":1394,"intents":[{"intent":"Research pay increase","confidence_score":0.32556066}]},{"text":"And, generally, within a very short period of time, we're able to increase that income protection or get a level of income protection increase for you without any medical underwriting.","start_word":1461,"end_word":1490,"intents":[{"intent":"Increase income protection","confidence_score":0.2595372}]},{"text":"So we understand majority of their rules, but we just need to be able to show when that pay increase happens that you need to generally let us know within about thirty days of it occurring. And Yep.","start_word":1540,"end_word":1577,"intents":[{"intent":"Show pay increase","confidence_score":0.5308409}]},{"text":"we need to be able to show them what your pay was prior, what your pay was afterwards, and they will and do provide a bit of a increase on the income protection policy without any additional underwriting, which is more of a benefit to you because any additional underwriting that has occurred does mean that it could make the policy more expensive with loadings and or exclusions on the policy. So we wanna try and avoid that way possible. But, Yep.","start_word":1578,"end_word":1659,"intents":[{"intent":"Avoid unnecessary underwriting","confidence_score":0.024789084}]},{"text":"We will reassess things with you on a regular basis. And when and if new cover becomes available, we'll absolutely look at doing that for you. Okay?","start_word":1693,"end_word":1719,"intents":[{"intent":"Reassess cover","confidence_score":0.0019212792}]},{"text":"And it is really good to know that Australian Super do have that future increase option available to you if you do get a pay rise, and we can show that difference between the income before and after for you. Okay?","start_word":1868,"end_word":1908,"intents":[{"intent":"Show income difference","confidence_score":0.2636489}]},{"text":"So because we do have to then retain Australian Super, we just wanna retain that with a minimum balance, so about 10,000 in there.","start_word":1937,"end_word":1960,"intents":[{"intent":"Retain australia super","confidence_score":0.089127615}]},{"text":"So we do want to roll over a 13,101 and have that rolled into Hub '24 so the the money can be invested with the rest of your portfolio, essentially.","start_word":1975,"end_word":2004,"intents":[{"intent":"Roll over funds","confidence_score":0.16234325}]},{"text":"So I did go back and Yep. just look at all the investments, and I've decided to make some switches essentially just to sort of remove some underperforming investors to also update the portfolio so that it's working harder for you as well. Yep.","start_word":2098,"end_word":2141,"intents":[{"intent":"Update portfolio","confidence_score":0.7665089}]},{"text":"just look at all the investments, and I've decided to make some switches essentially just to sort of remove some underperforming investors to also update the portfolio so that it's working harder for you as well. Yep.","start_word":2105,"end_word":2141,"intents":[{"intent":"Remove underperforming investors","confidence_score":0.2617511}]},{"text":"Essentially, so what we are gonna do, we're just gonna sell off some of the cybersecurity.","start_word":2142,"end_word":2157,"intents":[{"intent":"Sell cybersecurity","confidence_score":0.78718245}]},{"text":"However, The US is still a good place to be invested. It does go through the ups and downs. However, the Australian economy always also follows through. So staying invested in the market in The US at the moment is still really important, and we wanted to buy a bit more exposure there. So we wanna hold 35% exposure on your portfolio. So it means we just need to buy a little bit more of the S and P 500 there for you. Okay?","start_word":2278,"end_word":2361,"intents":[{"intent":"Explaining investment opportunities","confidence_score":0.00025052455}]},{"text":"The main sort of difference between the Bennelong and this one is that Bennelong generally holds anywhere between 15 to 25 different investments, whereas the a 200 is more of a passively managed fund. It tracks the top 200 companies on the ASX, so it's giving you greater diversification.","start_word":2496,"end_word":2544,"intents":[{"intent":"Leaving a benelong portfolio","confidence_score":0.0000021739472},{"intent":"Comparing bidong funds","confidence_score":7.794397e-8},{"intent":"Explaining benelong's diversification","confidence_score":0.004058339}]},{"text":"They are tracking the indices, and they make changes as per the indices. So it means you're always following the top 500 companies with the S and P 500. Or with the a 200, you're essentially always tracking the top 200 companies on the ASX, which is good. It's also a cheaper investment, so it means more money stays invested in your portfolio rather than paid for investment fees, which is a benefit as well. Okay?","start_word":2616,"end_word":2691,"intents":[{"intent":"Manage portfolio","confidence_score":0.0054401793}]},{"text":"So we're gonna remove those now whilst we can while we are making these changes. And because Yep.","start_word":2912,"end_word":2929,"intents":[{"intent":"Remove bank hybrid bonds","confidence_score":0.016328376}]},{"text":"We're only gonna hold about 5% of this investment, but it essentially is replacing the defensive component that was held by the bank card reserve. Okay? Sounds good.","start_word":2957,"end_word":2984,"intents":[{"intent":"Hold investments","confidence_score":0.039923497}]},{"text":"your cash account, we wanna hold or need to hold about 1.25% in cash. So you're a little bit over at the moment, so we'll just also reinvest some of your cash component as well. Okay?","start_word":3067,"end_word":3102,"intents":[{"intent":"Invest cash","confidence_score":0.034136605},{"intent":"Reinvest cash component","confidence_score":0.036051754}]},{"text":"So, essentially, we are expecting a decrease in investment fees, which is a positive for yourself. It's more money staying in your portfolio compounding towards your retirement. Okay? Yes.","start_word":3204,"end_word":3232,"intents":[{"intent":"Reduce investment fees","confidence_score":0.0202386}]},{"text":"You do pay us the ongoing service fee for the monitoring and maintenance of looking after your super funds, providing advice, and working towards your goals, and it is 1.65% per annum there.","start_word":3260,"end_word":3292,"intents":[{"intent":"Provide advice and support","confidence_score":0.002256542}]},{"text":"You do pay us the ongoing service fee for the monitoring and maintenance of looking after your super funds, providing advice, and working towards your goals, and it is 1.65% per annum there. So this will increase to slightly expected by about a $198 there.","start_word":3260,"end_word":3304,"intents":[{"intent":"Share and help with super funds and plans","confidence_score":1.2695826e-10}]},{"text":"Your employer contributions do need to continue to go into Australian Super.","start_word":3473,"end_word":3484,"intents":[{"intent":"Plan for future contributions","confidence_score":0.08166611}]},{"text":"I would like to see, if it's possible, if your employer is able to salary sacrifice that $50 on a weekly basis into your hub twenty four account. Essentially, splitting those contributions does work more of a benefit to you because putting a little bit of money into both accounts on a regular basis is basically dollar cost averaging.","start_word":3494,"end_word":3552,"intents":[{"intent":"Consider splitting contributions","confidence_score":0.08596313}]},{"text":"One of the things I sort of, are negative about doing those rollovers every year is that it is a lump sum that's rolled out of Australian Super and into Hub twenty four.","start_word":3600,"end_word":3632,"intents":[{"intent":"Confirm and inform about rollovers","confidence_score":0.0000038852386}]},{"text":"When you kind of look at the changes we're making and the difference in the portfolio, so they're both high growth portfolios from where you are currently to the recommended. But when we look at how the investments have performed over the past five years, the last of the current high growth portfolio has generally averaged about 10.25%.","start_word":3865,"end_word":3922,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.1355498}]},{"text":"Obviously, I do like to make sure you're aware portfolios do react differently. I'm not guaranteeing the return in any way, shape, or form, but this is just showing you how it has performed over the past five years.","start_word":4007,"end_word":4045,"intents":[{"intent":"Discuss portfolio performance","confidence_score":0.036076058}]},{"text":"Do you have any questions so far?","start_word":4100,"end_word":4106,"intents":[{"intent":"Ask questions","confidence_score":0.2216754}]},{"text":"Underneath that, I go through a bit more around the salary sacrifice. I've explained that to you.","start_word":4133,"end_word":4149,"intents":[{"intent":"Explain salary sacrifice","confidence_score":0.47636744},{"intent":"Explain salary sacrifice","confidence_score":0.048528567}]},{"text":"We estimated with looking at the CGT effects, your super actually does do a tax return just like you every year.","start_word":4217,"end_word":4237,"intents":[{"intent":"Discuss cgt effects","confidence_score":0.1707869}]},{"text":"One of the big things we tend to not sort of think about is when we get to the age of 60, 65, or 70, depending on when we retire, that's just when we stop officially working. But in retirement, we can often have anywhere between ten, twenty, thirty.","start_word":4320,"end_word":4368,"intents":[{"intent":"Discuss retirement age","confidence_score":0.31592312}]},{"text":"I've got a table in there for you on page 25, which outlines essentially the difference in the tax effect with salary sacrifices versus not versus your current circumstances there, and salary sacrifices are pretax deductions. So it does help to reduce your overall income tax, which is another great benefit of doing that. Yep.","start_word":4445,"end_word":4499,"intents":[{"intent":"Recommend yearly salary sacrifices and tax deductions","confidence_score":0.0000016559924}]},{"text":"We can fill the pre fill the forms there for you for both hub twenty four and Australian super, and then we can either post them to you or email or both, whatever your preference is.","start_word":5077,"end_word":5112,"intents":[{"intent":"Send forms","confidence_score":0.00087553076}]},{"text":"What do you if you like, I can send through some information on the local trustee plus maybe a bit of a pricing on the local solicitor where you used to give you a bit of a comparison if you like, just so Yeah.","start_word":5499,"end_word":5542,"intents":[{"intent":"Send information","confidence_score":0.24725433}]},{"text":"Have a bit of a read of the document. If you enjoy reading, I'm not sure how keen you are, but I've also got the product disclosure statements for how '24 for Australian Super and for any other for the recommendations made, just so you've got some information on that document or DocuSign there to sort of fall back on to read up on.","start_word":5587,"end_word":5650,"intents":[{"intent":"Review document","confidence_score":0.023502652}]},{"text":"We've also got the appendices, which does outline some of the research that was conducted for you as well.","start_word":5651,"end_word":5669,"intents":[{"intent":"Review appendices","confidence_score":0.03743353}]},{"text":"Honestly, feel free to go back. Have a bit of a look at the document. Let me know if you do have any questions. And if you're happy to take the recommendations, we'll just get you to sign and return that back, and we can have that implemented nice and quickly there for you. Okay.","start_word":5763,"end_word":5817,"intents":[{"intent":"Implement recommendations","confidence_score":0.09352753}]},{"text":"Have a bit of a look at the document. Let me know if you do have any questions. And if you're happy to take the recommendations, we'll just get you to sign and return that back, and we can have that implemented nice and quickly there for you. Okay.","start_word":5769,"end_word":5817,"intents":[{"intent":"Discuss questions","confidence_score":0.025905464}]},{"text":"Thank you. It's been an absolute pleasure.","start_word":5821,"end_word":5827,"intents":[{"intent":"Thank speaker","confidence_score":0.013124356}]}]},"sentiments":{"segments":[{"text":"Hello. Jason speaking. Hi, Jason. It's Dana from OQ Financial. How are you today? Not bad. And yourself?","start_word":0,"end_word":17,"sentiment":"neutral","sentiment_score":0.1710340976715088},{"text":"I'm very well. Thank you.","start_word":18,"end_word":22,"sentiment":"positive","sentiment_score":0.5919350981712341},{"text":"I had to put in to go through your statement of advice this morning. I do apologize for running a little bit late there, but is now still a good time there for you? Yeah.","start_word":23,"end_word":57,"sentiment":"neutral","sentiment_score":0.09747889637947084},{"text":"It's a good time. Fantastic.","start_word":58,"end_word":62,"sentiment":"positive","sentiment_score":0.4816023409366608},{"text":"Before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that one? Yes. That's fine.","start_word":63,"end_word":96,"sentiment":"neutral","sentiment_score":0.19054263830184937},{"text":"Oh, fantastic.","start_word":97,"end_word":98,"sentiment":"positive","sentiment_score":0.4256961047649383},{"text":"And just to also go through security there with you, just to confirm your full name, your date of birth, and address I should have on file? Yep. Jason Matron going on the sixteenth Yep. of the second nineteen eighty. Current address Yep. is 15 Bloom, Curringanes, Victoria 3337.","start_word":99,"end_word":147,"sentiment":"neutral","sentiment_score":0.0768154188990593},{"text":"Beautiful. Thank you so much for that.","start_word":148,"end_word":154,"sentiment":"positive","sentiment_score":0.5127269625663757},{"text":"So, Jason, I do have your advice document ready to go. I'm gonna email you a copy of it. Are you able to access your emails at the moment or preferably not at the moment? Either way is Yeah. fine. I can. Sorry. Yeah. That's okay. This is normally easier if we kinda go through and have a look at together just so I'm not sort of talking at you at all. I'm just sending this one through if you can let me know when it's received. Yeah. No There worries. we go. Hopefully, your Internet works a bit faster than mine has this morning. It is what Oh, it is. it is. Yeah. There we go.","start_word":155,"end_word":271,"sentiment":"neutral","sentiment_score":0.07630592584609985},{"text":"Beautiful.","start_word":272,"end_word":272,"sentiment":"positive","sentiment_score":0.33423152565956116},{"text":"Alright. It says it has sent through, so let's go with that. Alrighty. Let's let's have Beautiful. a How's your morning look. been thus far? So Have you had a good day? far, so good.","start_word":273,"end_word":307,"sentiment":"neutral","sentiment_score":0.1846702545881271},{"text":"Oh, that is good. That's excellent.","start_word":308,"end_word":313,"sentiment":"positive","sentiment_score":0.52192223072052},{"text":"And how's everything been going for you so far this year? Did you have a good Christmas, good New Year? Have any time off at all? No. I haven't had any time off. No? You got new holidays planned No. for hopefully the end of the year? Well, I was planning to go to Japan, but then where I was working changed company, so I had to put it on hold for another No. Did that mean they sort of paid out year. all of your leave and you're sort of starting again with the restructure? Yeah. Pretty much. I gotta wait until I get some leave up again.","start_word":314,"end_word":422,"sentiment":"neutral","sentiment_score":-0.06611724813050086},{"text":"Oh, that's a shame. I'm so sorry about that.","start_word":423,"end_word":431,"sentiment":"negative","sentiment_score":-0.4738132357597351},{"text":"You're probably looking forward to that and everything. Yes. While these things happen. Well, I got your email.","start_word":432,"end_word":449,"sentiment":"neutral","sentiment_score":0.03068670630455017},{"text":"Oh, Went fantastic.","start_word":450,"end_word":452,"sentiment":"positive","sentiment_score":0.5407127141952515},{"text":"to my junk file. Oh, yeah.","start_word":453,"end_word":458,"sentiment":"neutral","sentiment_score":0.204455628991127},{"text":"That's honestly okay.","start_word":459,"end_word":461,"sentiment":"positive","sentiment_score":0.34112080931663513},{"text":"That happens quite a lot. So with this one here, Jason, on the front page there or at the email, it will ask you to just sign sorry. Click on the button that says sign. It won't ask you to sign anything. It just allows you to go forward so you can scroll up and down through the document there. Yes. I've got that.","start_word":462,"end_word":525,"sentiment":"neutral","sentiment_score":0.15026046335697174},{"text":"Excellent.","start_word":526,"end_word":526,"sentiment":"positive","sentiment_score":0.6375621557235718},{"text":"On the front page has been prepared for yourself as of the July 15. On the bottom of the first page, it has my authorized representative number. I'm a registered financial adviser through ASIC, and that's my registration number there for you. Okay? Yep.","start_word":527,"end_word":570,"sentiment":"neutral","sentiment_score":0.19230617582798004},{"text":"I'll make this one nice and simple because you do get to go back and have a really good rate of the document.","start_word":571,"end_word":593,"sentiment":"positive","sentiment_score":0.46608445048332214},{"text":"But, essentially, with this, after your annual review, we completed, we just wanted to have a look at your superannuation, make sure you're invested correctly between your Australian super, and, obviously, your hub twenty four fund there as well, making sure that we're working towards your goal of being able to retire at about age 65. Your desired Yes. retirement income is around 4 to 5,000 per month when you get to that point. Okay? You also wanted me to look at seeing if we could get some more income protection for you.","start_word":594,"end_word":686,"sentiment":"neutral","sentiment_score":0.25676658749580383},{"text":"So we did go out there and do some pre assessments and have a look at what options may be available, and I have definitely made some recommendations there for you below as well.","start_word":687,"end_word":720,"sentiment":"positive","sentiment_score":0.4032958745956421},{"text":"Yep. And then also to see estate planning side of things. So when I kinda went back and reviewed, one of the things you mentioned to me was that you wanted to make sure in the event of you passing prematurely that your super and your life cover was paid to your mom. There are, Yes. unfortunately, stipulations around who can be a beneficiary, so I have gone back and assessed that beneficiary and updated the recommendations around the beneficiary nomination for you just to make sure that that can be paid as per your wishes in the event something happens Yep. to you. Okay? So it's in the event I want you to get to 65 and enjoy your retirement. Hopefully, nothing happens. Yep. Areas that we're not sort of scoping in, this is sort of down on page number five there for you. So you were building and trying to build a a deposit so that you could look to purchase a home in the future. You were Yes.","start_word":721,"end_word":891,"sentiment":"neutral","sentiment_score":0.06496293097734451},{"text":"saving approximately $50 on a a about a weekly basis, and you had just over 10,000, which was fantastic. You were trying to save about 80 to 100,000 for a deposit from your first for your home purchase.","start_word":892,"end_word":929,"sentiment":"positive","sentiment_score":0.5112035870552063},{"text":"Yeah. How's that going? Have you kind of increased the savings, or has that sort of No. held back Not really. a bit? Because the way No. the pay structure works, I've got different pays almost every fortnight over an eight week cycle, so I'm finding it really hard to consistently save.","start_word":930,"end_word":981,"sentiment":"neutral","sentiment_score":-0.16867917776107788},{"text":"Oh, it's a shame.","start_word":982,"end_word":985,"sentiment":"negative","sentiment_score":-0.3670131266117096},{"text":"Well, hopefully, things get a bit easier for you in that area. Yeah. Yeah. You do also have some shareholdings that you were trying to invest an extra $50 on a monthly basis of to kinda get your target up Yeah. to a thousand dollars per company holding. We're not scoping that into the advice at the moment, but we can always help you and provide the financial advice around investment later on down the track if you would like to as well. Okay? Yeah. No worries.","start_word":986,"end_word":1072,"sentiment":"neutral","sentiment_score":0.03381048142910004},{"text":"Excellent.","start_word":1073,"end_word":1073,"sentiment":"positive","sentiment_score":0.5170741081237793},{"text":"I have down here around page number nine, the assets and liabilities. This is sort of sort of noted on what we had last time we were able to catch up with you and update all the details there. The silver coin collection is based on the current silver price, so that can change and fluctuate. But are there any major changes to, obviously, any of those other assets or liabilities that you wanna have changed in the back end at all? Not at the moment. No. No. That's okay.","start_word":1074,"end_word":1163,"sentiment":"neutral","sentiment_score":0.02511448785662651},{"text":"Fantastic.","start_word":1164,"end_word":1164,"sentiment":"positive","sentiment_score":0.6532301306724548},{"text":"And then below that, we do have your current super balances between the two Australian super and have 24 there as well. Okay? Yeah. Now I'll make things a bit easier, and we'll scroll forward a little bit because you can always go back and read things over. But I'll sort of touch on the the parts that I need to touch on for you. So if you can scroll down to page 18 for me, and this has essentially got the heading, the recommended investment superannuation. Yep. Okay. Page 18. Perfect. So the main with the recommendations, essentially, I'll start by just explaining the insurances to you. So we did go out there and have a look and do the pre assessments and have a really good look at what was available. Unfortunately, because of what was pre assessed, your BMI and current health conditions, the insurers were not able to provide any new cover. It would come back as a decline if we were able to if we were to put an application through. So it does mean, unfortunately, at this point, we do have to retain Australian sleeper for the insurances with the level of cover you have. However, Yep. one thing I did find that I can research for you is if you do get a pay increase in the future, let us know straight away. So Australian Super within the application do have the future increase insurability. So it essentially with that, it means if you get an increase to your income via house or something changes with income protection, it'll be an increase to your income. We just need to be able to show what your income was prior to the increase, what your income is after the increase.","start_word":1165,"end_word":1459,"sentiment":"neutral","sentiment_score":0.03752759099006653},{"text":"And, generally, within a very short period of time, we're able to increase that income protection or get a level of income protection increase for you without any medical underwriting. And we have all the information that we have, like, ready to go for you.","start_word":1460,"end_word":1504,"sentiment":"positive","sentiment_score":0.5002509951591492},{"text":"So if that does happen, please let us know. We will help with and talk to Australian Super and find out what we need to do to have that. We've got the application, everything ready. So we understand majority of their rules, but we just need to be able to show when that pay increase happens that you need to generally let us know within about thirty days of it occurring. And Yep. we need to be able to show them what your pay was prior, what your pay was afterwards, and they will and do provide a bit of a increase on the income protection policy without any additional underwriting, which is more of a benefit to you because any additional underwriting that has occurred does mean that it could make the policy more expensive with loadings and or exclusions on the policy. So we wanna try and avoid that way possible. But, Yep.","start_word":1505,"end_word":1659,"sentiment":"neutral","sentiment_score":0.11722021549940108},{"text":"unfortunately, it did mean that retail cover was not available. All the insurers did come back saying they would decline.","start_word":1660,"end_word":1679,"sentiment":"negative","sentiment_score":-0.3617310523986816},{"text":"But if anything changes health wise, your BMI goes down, let me know. We will reassess things with you on a regular basis. And when and if new cover becomes available, we'll absolutely look at doing that for you. Okay? No worries. Other other areas we can definitely look at in the future are to kind of fill that gap because, obviously, having the retail cover, it does leave a bit of a gap in the risk side of things there. So we can, down the track, also help you to build investments outside of super, so building wealth in other areas to alleviate that gap and give you something to fall back on. Obviously, also having savings set aside does mean you have extra to fall back on the event of not being able to work or having some sort of major diagnosis as well. But that Mhmm. just means that we retain the level of cover within Australian Super that you have at the moment as well. Okay? So Yeah. I No. am It's very sorry we couldn't get it, but I tried every avenue possible.","start_word":1680,"end_word":1867,"sentiment":"neutral","sentiment_score":0.04131692334851052},{"text":"And it is really good to know that Australian Super do have that future increase option available to you if you do get a pay rise, and we can show that difference between the income before and after for you.","start_word":1868,"end_word":1907,"sentiment":"positive","sentiment_score":0.5833643078804016},{"text":"Okay? Yep.","start_word":1908,"end_word":1909,"sentiment":"neutral","sentiment_score":0.2792646586894989},{"text":"Excellent. We've also got that information in the appendices for you, which is an attachment to welcome to have a look at those details as well.","start_word":1910,"end_word":1935,"sentiment":"positive","sentiment_score":0.35220959782600403},{"text":"Okay? So because we do have to then retain Australian Super, we just wanna retain that with a minimum balance, so about 10,000 in there. That means at the moment, you have a bit of a 23,000 in there. So we do want to roll over a 13,101 and have that rolled into Hub '24 so the the money can be invested with the rest of your portfolio, essentially. Yep. Within hub '24, we did have a look at essentially all the investments there. I did go back and look at how they were performing, what you're invested in. You're in more of that high growth environment. So that essentially because you have that 9010 split that we went through, does mean that when the portfolios are working really well, you'll get really good growth out of it. However, when the markets do see a bit of a downtime, that is magnified because you are taking more risk in the market there. So I did go back and Yep. just look at all the investments, and I've decided to make some switches essentially just to sort of remove some underperforming investors to also update the portfolio so that it's working harder for you as well. Yep. Essentially, so what we are gonna do, we're just gonna sell off some of the cybersecurity. It has been a little bit down this year. We'll see it come back in the turnaround. We just have to waste that time to come, but you're a bit overexposed at the moment. So we just wanna sell some off and bring you back to 6% exposure there. With the BetaShares India quality ETF, we are gonna sell that completely out of this portfolio. And, also, with the Global Healthcare there, we're gonna remove that completely as well. With the S and P 500, that's the third one fourth one down. Sorry. The IVV there. You have about 27% exposure there. I know there's been a lot with The US and the Iran war over the past, few months. However, The US is still a good place to be invested. It does go through the ups and downs. However, the Australian economy always also follows through. So staying invested in the market in The US at the moment is still really important, and we wanted to buy a bit more exposure there. So we wanna hold 35% exposure on your portfolio. So it means we just need to buy a little bit more of the S and P 500 there for you. Okay? Mhmm. You've also got the beta shares Raffy a 200 and the Bannalong Australian Equities. Now Bannalong, that investment has been underperforming this year within that investment portfolio.","start_word":1936,"end_word":2389,"sentiment":"neutral","sentiment_score":0.05427253934747585},{"text":"Unfortunately, their investment managers haven't been able to outperform the market.","start_word":2390,"end_word":2400,"sentiment":"negative","sentiment_score":-0.4703262150287628},{"text":"So they're actually more of an actively managed fund, and that's their role. They're trying to outperform the market, and they haven't been able to do so.","start_word":2401,"end_word":2427,"sentiment":"neutral","sentiment_score":-0.2197479009628296},{"text":"They've had some underlying issues.","start_word":2428,"end_word":2432,"sentiment":"negative","sentiment_score":-0.37661948800086975},{"text":"So we're looking to get rid of all the then along Australian equities and as such remove the Raffy 200 as well and change your Australian exposure and move you out of any underperforming Australian equities. To replace Yep. that and keep your Australian equity exposure, we're gonna buy you into the a 200, which is the second one from the bottom. Yep. The main sort of difference between the Bennelong and this one is that Bennelong generally holds anywhere between 15 to 25 different investments, whereas the a 200 is more of a passively managed fund. It tracks the top 200 companies on the ASX, so it's giving you greater diversification. And the same as with the S and P five ten 100, If a company doesn't meet the criteria to be in the top 200 companies on the in that indices that this is tracking, they are removed, and then it's replaced with something else. So companies have a criteria to be within the top 200 index and same with the s and p five So those investments are passively managed. They are tracking the indices, and they make changes as per the indices. So it means you're always following the top 500 companies with the S and P 500.","start_word":2433,"end_word":2644,"sentiment":"neutral","sentiment_score":0.011793121133210524},{"text":"Or with the a 200, you're essentially always tracking the top 200 companies on the ASX, which is good. It's also a cheaper investment, so it means more money stays invested in your portfolio rather than paid for investment fees, which is a benefit as well.","start_word":2645,"end_word":2690,"sentiment":"positive","sentiment_score":0.47232353687286377},{"text":"Okay? Yep.","start_word":2691,"end_word":2692,"sentiment":"neutral","sentiment_score":0.17731966078281405},{"text":"Excellent.","start_word":2693,"end_word":2693,"sentiment":"positive","sentiment_score":0.43032747507095337},{"text":"The JPMorgan Global Research Enhanced Equity Fund there, we are removing that solely. It has been fine, but it is more of an actively managed fund. It does cost a lot more to have in your portfolio. So we are looking to try and make the portfolio slightly cheaper as well to make sure it's working harder for you, but, obviously, reducing fees is important as well.","start_word":2694,"end_word":2760,"sentiment":"neutral","sentiment_score":0.07547830045223236},{"text":"Physical gold has done really well, has grown very, very nicely in your portfolio.","start_word":2761,"end_word":2774,"sentiment":"positive","sentiment_score":0.6251813173294067},{"text":"You've got about 9% there at the moment. We just wanna hold 7%.","start_word":2775,"end_word":2787,"sentiment":"neutral","sentiment_score":0.2317240685224533},{"text":"So it does mean just selling some of that physical gold or essentially taking some of the gains that the portfolio has been, cementing those gains, and spreading those out and reinvesting them back in your portfolio. That essentially helps the compounding effect.","start_word":2788,"end_word":2830,"sentiment":"positive","sentiment_score":0.34022021293640137},{"text":"Does that make sense? Yep. Yep.","start_word":2831,"end_word":2836,"sentiment":"neutral","sentiment_score":0.1796344518661499},{"text":"Beautiful.","start_word":2837,"end_word":2837,"sentiment":"positive","sentiment_score":0.4828015565872192},{"text":"And then we've got the bank hybrids there. These are being phased out in the future as an investment product, so we are looking to remove those now whilst we're making these changes. It makes sense to make all the changes now rather than to do it now and then go back in another two years and make some smaller alterations then.","start_word":2838,"end_word":2899,"sentiment":"neutral","sentiment_score":0.1321084052324295},{"text":"Making all the changes at once makes a lot more sense.","start_word":2900,"end_word":2910,"sentiment":"positive","sentiment_score":0.37643304467201233},{"text":"So we're gonna remove those now whilst we can while we are making these changes. And because Yep. with the high growth portfolio, you still wanna have around about 10% in defensive assets. We're going to replace the bank hybrid there with the core composite bonds. We're only gonna hold about 5% of this investment, but it essentially is replacing the defensive component that was held by the bank card reserve. Okay?","start_word":2911,"end_word":2982,"sentiment":"neutral","sentiment_score":0.07279506325721741},{"text":"Sounds good.","start_word":2983,"end_word":2984,"sentiment":"positive","sentiment_score":0.4455862045288086},{"text":"As down from aside from those, we're then gonna purchase into some European exposure, some Japanese exposure. We've also got the Vanguard all world index there. That's excluding The US because you have the S and P 500 above that one. And then, obviously, the beta shares a 200 and some bonds in there for defensive component for you. So that's the sense of the changes that we wanna make to your portfolio, making sure it works harder for you. With Yep. your cash account, we wanna hold or need to hold about 1.25% in cash. So you're a little bit over at the moment, so we'll just also reinvest some of your cash component as well. Okay? If you go down to page 21 for me, you can essentially see the outcome of making these changes. It should show you the fee comparison table. Yep. Yep.","start_word":2985,"end_word":3131,"sentiment":"neutral","sentiment_score":0.08661232143640518},{"text":"Okay. Beautiful.","start_word":3132,"end_word":3133,"sentiment":"positive","sentiment_score":0.47252947092056274},{"text":"One moment. So with this one here, you have your current portfolio between hub twenty four and Australian sleeper and the recommended there. You'll see by making the changes, it essentially we are putting more money into Hub twenty four, so the admin fee does increase just slightly there.","start_word":3134,"end_word":3182,"sentiment":"neutral","sentiment_score":0.2547018229961395},{"text":"However, the investment fee between the two funds when making the changes actually saves you for the first year about $394. So, essentially, we are expecting a decrease in investment fees, which is a positive for yourself. It's more money staying in your portfolio compounding towards your retirement.","start_word":3183,"end_word":3230,"sentiment":"positive","sentiment_score":0.6110066175460815},{"text":"Okay? Yes. With rolling some funds into Australians into, sorry, hub twenty four from Australian Super, it does obviously mean our ongoing adviser fee is increased just slightly. You do pay us the ongoing service fee for the monitoring and maintenance of looking after your super funds, providing advice, and working towards your goals, and it is 1.65% per annum there. So this will increase to slightly expected by about a $198 there. And we also look after the Australian super account as well.","start_word":3231,"end_word":3314,"sentiment":"neutral","sentiment_score":0.2144159277280172},{"text":"So we wanna make sure that we take all the stress of dealing with super away from you, and we're here to support you and provide this advice to make sure it's all working harder.","start_word":3315,"end_word":3349,"sentiment":"positive","sentiment_score":0.5182189345359802},{"text":"Okay? Yep. One of the things we also did talk about was about building your super and if you were comfortable looking at making additional contributions. And so I have had a bit of a look in projecting forward. And while some recommending that you do start salary sacrificing as well, I'm gonna recommend we start small. So starting with $50 on a weekly basis, that essentially gives us 2,600 over the course of the year. Starting smaller means that because you've got a bit more time ahead of you there, we can start smaller, help to see how that feels with your expenditure and with your take home pay, and then kind of build that over time as your comfort level increases. Your employer contributions do need to continue to go into Australian Super. It is the best way to go. But Yep. I would like to see, if it's possible, if your employer is able to salary sacrifice that $50 on a weekly basis into your hub twenty four account.","start_word":3350,"end_word":3521,"sentiment":"neutral","sentiment_score":0.2180718779563904},{"text":"Essentially, splitting those contributions does work more of a benefit to you because putting a little bit of money into both accounts on a regular basis is basically dollar cost averaging. So you're taking advantage of the market ups and downs that can provide greater benefit long term for you as well.","start_word":3522,"end_word":3573,"sentiment":"positive","sentiment_score":0.45540401339530945},{"text":"And it means that we have we only have to do smaller rollovers out of Australian Super on a regular basis, which is also a benefit.","start_word":3574,"end_word":3599,"sentiment":"neutral","sentiment_score":0.2405694425106049},{"text":"One of the things I sort of, are negative about doing those rollovers every year is that it is a lump sum that's rolled out of Australian Super and into Hub twenty four.","start_word":3600,"end_word":3632,"sentiment":"negative","sentiment_score":-0.4682199358940125},{"text":"So that money is invested all at one time, and that can have an effect on your super if you think about 13,000 being deposited into an investment. If that's all invested, then the next day the market goes down a little bit. Yes. It's been invested in at a downtime. However, it also means that it can take a little bit longer for the portfolio to recover back. So if we're able to split those contributions up through employer contributions to Australian so far, your salary sacrificing to have 24, it means your dollar cost averaging.","start_word":3633,"end_word":3729,"sentiment":"neutral","sentiment_score":0.005411920137703419},{"text":"And then each year when we do rollovers out of Australian Super, just to retain the 10,000, it's a smaller amount, and that can have a greater effect long term on working towards your goals.","start_word":3730,"end_word":3764,"sentiment":"positive","sentiment_score":0.4373473525047302},{"text":"Does that make sense? And do you have questions so far? No. No question.","start_word":3765,"end_word":3778,"sentiment":"neutral","sentiment_score":0.017288202419877052},{"text":"So far, it doesn't make sense. No.","start_word":3779,"end_word":3785,"sentiment":"negative","sentiment_score":-0.36489760875701904},{"text":"That's all good. Also, with your insurance premiums, they don't change. They stay exactly the same as they are for the time being, and I'll just keep making sure we touch base and have you any reviews every year. Review your insurance levels, and when and if we are able to get new cover, we will. Otherwise, we can always look at other ways to build wealth and help you to kinda close that risk gap as well. Okay? When you kind of look at the changes we're making and the difference in the portfolio, so they're both high growth portfolios from where you are currently to the recommended. But when we look at how the investments have performed over the past five years, the last of the current high growth portfolio has generally averaged about 10.25%.","start_word":3786,"end_word":3922,"sentiment":"neutral","sentiment_score":0.11635036766529085},{"text":"The newer portfolio has had in the past a greater past performance, which if it can do that again over the next five to ten years can give you a greater return and therefore put you in a much better position.","start_word":3923,"end_word":3963,"sentiment":"positive","sentiment_score":0.4104764759540558},{"text":"And the next page does show you the projection over the five to ten years and what's estimated based on the rate of return that we you know, what sorry. The portfolio has been able to return over the past five years. Obviously, I do like to make sure you're aware portfolios do react differently. I'm not guaranteeing the return in any way, shape, or form, but this is just showing you how it has performed over the past five years. This year has definitely been a bit up and down with what's happening, and we can never predict what's going to happen, but we use past data on how portfolios have performed to help us project what we expect to happen in the future if we can get the same market conditions there. Okay.","start_word":3964,"end_word":4098,"sentiment":"neutral","sentiment_score":0.010605549895101124},{"text":"Perfect.","start_word":4099,"end_word":4099,"sentiment":"positive","sentiment_score":0.5937563180923462},{"text":"Do you have any questions so far?","start_word":4100,"end_word":4106,"sentiment":"neutral","sentiment_score":0.2452145218849182},{"text":"You're welcome to let me know if anything pops up.","start_word":4107,"end_word":4116,"sentiment":"positive","sentiment_score":0.36379167437553406},{"text":"Yeah. I understand. I just yeah. It's pretty straightforward Yeah. so far. It is. Yeah. Absolutely. Underneath that, I go through a bit more around the salary sacrifice. I've explained that to you. So feel free to have a read through those as well. In each of the pages here, we have best interest duties. So, essentially, aligning the recommendations to your goals, Essentially, with hub twenty four retaining the super super funds does work in your best interest as you're not having to go through the process of moving all your super out, selling everything down, and moving out. We estimated with looking at the CGT effects, your super actually does do a tax return just like you every year. And in order to make the changes in the portfolio, there's no CGT effect on the super fund. We've estimated zero looking at sort of how that is because Bennelong has been down. It's essentially offsetting all the other gains for being able to maneuver the rest of the portfolio for you.","start_word":4117,"end_word":4289,"sentiment":"neutral","sentiment_score":0.14749576151371002},{"text":"So that is one fantastic benefit. It means that there's more money left in your super.","start_word":4290,"end_word":4305,"sentiment":"positive","sentiment_score":0.5008467435836792},{"text":"Salary sacrificing, again, does mean there's more money compounding and working harder for you. One of the big things we tend to not sort of think about is when we get to the age of 60, 65, or 70, depending on when we retire, that's just when we stop officially working. But in retirement, we can often have anywhere between ten, twenty, thirty. Some people spend forty years in retirement, which is a whole another lifetime. So we still need to make sure super works as long as possible in those years.","start_word":4306,"end_word":4397,"sentiment":"neutral","sentiment_score":-0.04659420677015315},{"text":"So being able to start salary sacrificing now and adding as much as we can in now, you do get a greater benefit with the compounding effect towards that retirement, but then it continues as it stays invested throughout those retirement years as well.","start_word":4398,"end_word":4441,"sentiment":"positive","sentiment_score":0.4255335032939911},{"text":"Okay?","start_word":4442,"end_word":4442,"sentiment":"neutral","sentiment_score":0.1672484278678894},{"text":"Yep. Excellent. I've got a table in there for you on page 25, which outlines essentially the difference in the tax effect with salary sacrifices versus not versus your current circumstances there, and salary sacrifices are pretax deductions. So it does help to reduce your overall income tax, which is another great benefit of doing that.","start_word":4443,"end_word":4498,"sentiment":"positive","sentiment_score":0.4445228576660156},{"text":"Yep. The other thing I wanted to kinda touch base on was the the beneficiaries. So in the event that something was to happen, you wanted to have your mom as your beneficiary. Unfortunately, Yep. with superannuation legislation, in order to be a beneficiary, they have a certain criteria. It needs to be a spouse, a child, someone who isn't has an interdependent relationship with you or someone who relies on you financially. So, essentially, for your if anything was to happen for your mom to go make a claim currently, she would have to be out of prove that she, a, lived with you, relied on you financially, you paid all of her bills, and things like that. That's a pretty tough thing to try and claim again. So it doesn't, Yeah.","start_word":4499,"end_word":4631,"sentiment":"neutral","sentiment_score":-0.08899734169244766},{"text":"unfortunately, mean that she would not the nomination wouldn't be valid, and it's probably really horrible for her to have to go through that process because it would come back and they would let her know she wasn't eligible for. And it's probably the worst time in her life to be going and having that claim and being off that court.","start_word":4632,"end_word":4692,"sentiment":"negative","sentiment_score":-0.37370648980140686},{"text":"So I've made a recommendation on page 33 for you where we update your beneficiary nominations. I'm recommending we tick them off as a binding, non lapsing nomination, which means the trustee is bound to follow the direction, and non lapsing means you only have to fill this out one time. You don't have to keep filling the nomination out unless your circumstances change. And then Yep. we tick off the legal personal representative box. This essentially means that if you were to unfortunately pass away, your super can be claimed by your executor of your will. The funds from your life insurance and your super just get paid directly to your estate, and then it's really important you have a will done up. And in that will, you can nominate any person you like. Your mom, you can request some money to a charity, your best friend from ten years ago, someone you've just met tomorrow.","start_word":4693,"end_word":4849,"sentiment":"neutral","sentiment_score":0.1300420214416115},{"text":"You can nominate anyone you like.","start_word":4850,"end_word":4855,"sentiment":"positive","sentiment_score":0.3845558166503906},{"text":"And there's a lot more you have a lot more say in how you want the funds to be paid and where to.","start_word":4856,"end_word":4878,"sentiment":"neutral","sentiment_score":0.26234954595565796},{"text":"And that just means that that the funds can be paid to your mom, much easier process involved.","start_word":4879,"end_word":4896,"sentiment":"positive","sentiment_score":0.3916557133197784},{"text":"And it's just really important you have a will drawn up and a power of attorney if possible as well. If you did do the beneficiary nominations and we had LPR nominated and there's no will in place, it does mean everything still, once it gets paid to your state, goes through probate, which is a terrible, horrible process for for family members to go through. But this is the best way to have that nomination set up for your mom. Does that make sense? Do you have questions? Yeah. Yeah. Yeah. So how do how how does that get set up? Which part? The beneficiary or the will? But will I understand the beneficiary? Do I have to do that? Or We will help you. So we'll get the beneficiary form for hub twenty four. Are you comfortable with our team pre filling that for you, taking yes. the nonlapsing binding, taking the LPR in a 100%? You're comfortable with us doing that for you? Yeah. You guys Yep. know what Beautiful. you're doing? I've got no idea. Absolutely. We can fill the pre fill the forms there for you for both hub twenty four and Australian super, and then we can either post them to you or email or both, whatever your preference is. What would you prefer to happen? I prefer both, email Yeah. and Abs posted. yep.","start_word":4897,"end_word":5127,"sentiment":"neutral","sentiment_score":0.0765966112156967},{"text":"Absolutely. Not a problem. We'll get those out to you.","start_word":5128,"end_word":5137,"sentiment":"positive","sentiment_score":0.4422738552093506},{"text":"Once they are received by yourself, you just gotta check the information is accurate. On the very last page, there is a signature placed for you, and you do have to have it witnessed by two other people. Because it's a legal personal representative, the witness can be your mom.","start_word":5138,"end_word":5187,"sentiment":"neutral","sentiment_score":0.15034475922584534},{"text":"It can be an excellent neighbor, two guys at work, whatever you're comfortable with.","start_word":5188,"end_word":5201,"sentiment":"positive","sentiment_score":0.5117888450622559},{"text":"That it just has to be someone over 18 and two witnesses on a binding nomination. So Yep. if you can get them signed and witnessed and sent back to us, we will have them applied. And then as part of the review process each year, will reconfirm that you're still comfortable with that nomination.","start_word":5202,"end_word":5256,"sentiment":"neutral","sentiment_score":0.21045467257499695},{"text":"When and if something happens, you wanna change that nomination, we can absolutely help you.","start_word":5257,"end_word":5271,"sentiment":"positive","sentiment_score":0.3795470893383026},{"text":"And then it's just really important that you do have a will drawn up really, really quickly. We can always send you some information on a local solicitor that we can refer you through to. Or often, all all the states do have, like, local trustees, and they do charge only a small amount for a very basic will or a will kit you can pick up from the post office, I think, these days. The last time I saw one was a few weeks back. It was about 30 odd dollars. So you can also just do a will kit that way if it's preferable and easier, but just having a valid will help that beneficiary receive the funds in the, you know, small event that something was to happen to you prematurely. Okay. Yep. No worries. Yeah.","start_word":5272,"end_word":5410,"sentiment":"neutral","sentiment_score":0.1135743483901024},{"text":"All good.","start_word":5411,"end_word":5412,"sentiment":"positive","sentiment_score":0.4003361463546753},{"text":"That is a lot, and I get it.","start_word":5413,"end_word":5420,"sentiment":"neutral","sentiment_score":0.3331800401210785},{"text":"You're welcome to go back and have a really good read of that.","start_word":5421,"end_word":5433,"sentiment":"positive","sentiment_score":0.48638495802879333},{"text":"I've got advantages, disadvantages, lists in there for you, outlining a bit of information on all those strategies for you as well. Is any questions that might have popped up to mind, or did you want me to re clarify anything further? Or No. It's pretty good. I just gotta yeah. go look find someone that can sort Yeah. of do wheels realistically. That's okay. What do you if you like, I can send through some information on the local trustee plus maybe a bit of a pricing on the local solicitor where you used to give you a bit of a comparison if you like, just so Yeah. you've That got would something help. to yeah.","start_word":5434,"end_word":5550,"sentiment":"neutral","sentiment_score":0.09293504154834992},{"text":"Absolutely. I'll get that email done out for you either this afternoon or tomorrow morning.","start_word":5551,"end_word":5565,"sentiment":"positive","sentiment_score":0.3583565056324005},{"text":"Is that okay?","start_word":5566,"end_word":5568,"sentiment":"neutral","sentiment_score":0.22550351917743683},{"text":"Yeah. Sounds good. Fantastic. Lovely. So with that one there, Jason, just feel free to take that back.","start_word":5569,"end_word":5586,"sentiment":"positive","sentiment_score":0.5051046013832092},{"text":"Have a bit of a read of the document. If you enjoy reading, I'm not sure how keen you are, but I've also got the product disclosure statements for how '24 for Australian Super and for any other for the recommendations made, just so you've got some information on that document or DocuSign there to sort of fall back on to read up on. We've also got the appendices, which does outline some of the research that was conducted for you as well. Okay. Yep. So you're welcome to have a bit of a read through that if you're a little bit bored and want some extra reading material. Yeah. It'll Not take everyone me a while does. to sorta go through it, though. Yeah. No. That's okay. Other than that, it looks like your ID may have expired on oh, no. 12/2026. No. It's fine. Your ID is good. Sorry. It's just a little bit hard to see the 2026 in the back there. Just making sure everything is up to date. But, yeah, look. Honestly, feel free to go back. Have a bit of a look at the document. Let me know if you do have any questions.","start_word":5587,"end_word":5786,"sentiment":"neutral","sentiment_score":0.10917229950428008},{"text":"And if you're happy to take the recommendations, we'll just get you to sign and return that back, and we can have that implemented nice and quickly there for you.","start_word":5787,"end_word":5816,"sentiment":"positive","sentiment_score":0.3376399278640747},{"text":"Okay. Yeah.","start_word":5817,"end_word":5818,"sentiment":"neutral","sentiment_score":0.2129052132368088},{"text":"No worries. Thank you. It's been an absolute pleasure. I'm so sorry I was running a bit late today, but it's been a a real pleasure to put this together for you. Looking forward to doing reviews and making sure we can work towards your goals. I want you to have the best retirement you can possibly have.","start_word":5819,"end_word":5876,"sentiment":"positive","sentiment_score":0.5909244181780979},{"text":"You've worked way too hard to not enjoy your retirement years. Yes.","start_word":5877,"end_word":5888,"sentiment":"neutral","sentiment_score":0.14220088720321655},{"text":"That is very true. All good. All good. Well, I will let you go. Thank you so much for your time.","start_word":5889,"end_word":5909,"sentiment":"positive","sentiment_score":0.5346775054931641},{"text":"Are you working this afternoon? Do you have No. today off? Today's day off. Today's a day off.","start_word":5910,"end_word":5927,"sentiment":"neutral","sentiment_score":0.05414591357111931},{"text":"Beautiful.","start_word":5928,"end_word":5928,"sentiment":"positive","sentiment_score":0.627901554107666},{"text":"Any plans for the afternoon or just resting, recuperating? Just chilling at the moment.","start_word":5929,"end_word":5942,"sentiment":"neutral","sentiment_score":0.30223169922828674},{"text":"Just chilling. That's all I I'm love doing. it. I love it. You enjoy your day off. You deserve it. No worries. You have a good day. Thank you so much, Jason. Talk to you soon. See you later.","start_word":5943,"end_word":5981,"sentiment":"positive","sentiment_score":0.618299126625061},{"text":"Alright. Bye. Bye.","start_word":5982,"end_word":5984,"sentiment":"neutral","sentiment_score":0.17644105851650238}],"average":{"sentiment":"neutral","sentiment_score":0.1309959429277188}}}}