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Oh, the what was the last thing you heard? Sorry. Yep. Yep. Perfect. Yep. Perfect. That's basically the entire recommendation. So retaining your super fund as it is, we'll complete an investment switch to make sure you've got, we get rid of any underperforming investments and put you in a newer portfolio that's showing greater past performance is also lower cost and fees, so it can have a greater effect moving forward. And then we'll help you to make this deductible contribution of 20,000 into your super, which based on our research, this is mostly not taking into account any additional deductions that your accountant may be able to add for you. This is just looking at the income that we're able to assess you on and how we utilize the deductible contribution to reduce your income back a little bit. Based on our research, it brings you back into the lower tax bracket, which is really good. Gives you, you know, going from what a 3037% tax bracket to 47% tax bracket is a 10% jump in taxation. So that in itself will give you a nice little return and hopefully, you know, put a greater benefit long term. But then the fund funds are also invested in super, which is really important, and that will have a greater long term compounding effect there for you. There's no additional fees for our advice that we provided for you today. You are an ongoing client. You pay the ongoing service fee of 1.65% per annum. So this is biased as fully complimentary. And, essentially, how we'll implement it will be. We'll start by just, if you're happy, you can sign and return it back. We'll do the investment switch in the back end there for you, and we'll give you the bank information so you can transfer the 20,000 in from your bank account, and then we'll just claim a notice intent. My team tend to either email or give you a call just to get a verbal confirmation that you're happy to claim a notice of intent. We can do that in the back end there for you, and then we email you the confirmation letter to take to your account and so you can claim that back on your tax return. Does that all make sense? Yes. Fantastic. Do you have any questions from any of that? It is a fairly simple strategy today, which is kind of good for you. Sorry. Can you hear me? Sorry, Laura. 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afternoon. This is Dana. I'm so sorry. I think I was just having a great old time talking to myself. I looked at my phone and went, oh, no.\n\nYou dropped out. I'm so sorry. Oh, the what was the last thing you heard? Sorry. Yep.\n\nYep. Perfect. Yep. Perfect. That's basically the entire recommendation.\n\nSo retaining your super fund as it is, we'll complete an investment switch to make sure you've got, we get rid of any underperforming investments and put you in a newer portfolio that's showing greater past performance is also lower cost and fees, so it can have a greater effect moving forward. And then we'll help you to make this deductible contribution of 20,000 into your super, which based on our research, this is mostly not taking into account any additional deductions that your accountant may be able to add for you. This is just looking at the income that we're able to assess you on and how we utilize the deductible contribution to reduce your income back a little bit. Based on our research, it brings you back into the lower tax bracket, which is really good. Gives you, you know, going from what a 3037% tax bracket to 47% tax bracket is a 10% jump in taxation.\n\nSo that in itself will give you a nice little return and hopefully, you know, put a greater benefit long term. But then the fund funds are also invested in super, which is really important, and that will have a greater long term compounding effect there for you. There's no additional fees for our advice that we provided for you today. You are an ongoing client. You pay the ongoing service fee of 1.65% per annum.\n\nSo this is biased as fully complimentary. And, essentially, how we'll implement it will be. We'll start by just, if you're happy, you can sign and return it back. We'll do the investment switch in the back end there for you, and we'll give you the bank information so you can transfer the 20,000 in from your bank account, and then we'll just claim a notice intent. My team tend to either email or give you a call just to get a verbal confirmation that you're happy to claim a notice of intent.\n\nWe can do that in the back end there for you, and then we email you the confirmation letter to take to your account and so you can claim that back on your tax return. Does that all make sense? Yes. Fantastic. Do you have any questions from any of that?\n\nIt is a fairly simple strategy today, which is kind of good for you. Sorry. Can you hear me? Sorry, Laura. Can you hear me okay?","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":0.88,"end":1.4399999,"sentiment":"neutral","sentiment_score":0.2909328565001488},{"text":"This is Dana.","start":1.4399999,"end":2.34,"sentiment":"neutral","sentiment_score":0.1524407317241033},{"text":"I'm so sorry.","start":4.96,"end":6.0,"sentiment":"neutral","sentiment_score":-0.11841221153736115},{"text":"I think I was just having a great old time talking to myself.","start":6.0,"end":8.88,"sentiment":"neutral","sentiment_score":0.04805815563752101},{"text":"I looked at my phone and went, oh, no.","start":8.88,"end":10.4,"sentiment":"neutral","sentiment_score":-0.11977771504057778}],"sentiment":"neutral","sentiment_score":0.007690262049436569,"num_words":30,"start":0.88,"end":10.4},{"sentences":[{"text":"You dropped out.","start":10.4,"end":11.04,"sentiment":"neutral","sentiment_score":-0.2822660406430562},{"text":"I'm so 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recommendation.","start":33.03,"end":35.05,"sentiment":"positive","sentiment_score":0.39408771991729735}],"sentiment":"positive","sentiment_score":0.38295808765623307,"num_words":9,"start":28.71,"end":35.05},{"sentences":[{"text":"So retaining your super fund as it is, we'll complete an investment switch to make sure you've got, we get rid of any underperforming investments and put you in a newer portfolio that's showing greater past performance is also lower cost and fees, so it can have a greater effect moving forward.","start":35.27,"end":50.805,"sentiment":"positive","sentiment_score":0.4656055116882691},{"text":"And then we'll help you to make this deductible contribution of 20,000 into your super, which based on our research, this is mostly not taking into account any additional deductions that your accountant may be able to add for you.","start":50.805,"end":62.53,"sentiment":"neutral","sentiment_score":0.32329476717859507},{"text":"This is just looking at the income that we're able to assess you on and how we utilize the deductible contribution to reduce your income back a little bit.","start":62.53,"end":70.905,"sentiment":"positive","sentiment_score":0.3947925269603729},{"text":"Based on our research, it brings you back into the lower tax bracket, which is really good.","start":71.145,"end":75.545,"sentiment":"positive","sentiment_score":0.6321338239838096},{"text":"Gives you, you know, going from what a 3037% tax bracket to 47% tax bracket is a 10% jump in taxation.","start":75.545,"end":83.965,"sentiment":"positive","sentiment_score":0.422850482520603}],"sentiment":"positive","sentiment_score":0.4290465139461763,"num_words":159,"start":35.27,"end":83.965},{"sentences":[{"text":"So that in itself will give you a nice little return and hopefully, you know, put a greater benefit long term.","start":84.265,"end":90.36,"sentiment":"positive","sentiment_score":0.690469259307498},{"text":"But then the fund funds are also invested in super, which is really 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the confirmation letter to take to your account and so you can claim that back on your tax return.","start":132.77501,"end":141.3,"sentiment":"neutral","sentiment_score":0.30489539887223926},{"text":"Does that all make sense?","start":141.3,"end":143.76001,"sentiment":"neutral","sentiment_score":0.20828338265419005},{"text":"Yes.","start":144.58,"end":145.08,"sentiment":"positive","sentiment_score":0.4090045690536499},{"text":"Fantastic.","start":147.06001,"end":147.56001,"sentiment":"positive","sentiment_score":0.760573148727417},{"text":"Do you have any questions from any of that?","start":148.1,"end":150.34001,"sentiment":"neutral","sentiment_score":0.2519153704245885}],"sentiment":"neutral","sentiment_score":0.297050429909837,"num_words":51,"start":132.77501,"end":150.34001},{"sentences":[{"text":"It is a fairly simple strategy today, which is kind of good for 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It's Laura again. Oh, no. That's okay. Yeah. Well, it it was going what was the last thing I heard? Obviously, you said the reasons behind why to do it in a smaller amount this year so they can keep doing it again. Yeah. It does. Yes, ma'am.","confidence":0.9921875,"words":[{"word":"hi","start":3.04,"end":3.28,"confidence":0.7246094,"punctuated_word":"Hi,","sentiment":"neutral","sentiment_score":0.06339946389198303},{"word":"dana","start":3.28,"end":3.78,"confidence":0.7294922,"punctuated_word":"Dana.","sentiment":"neutral","sentiment_score":0.045480187982320786},{"word":"it's","start":5.0,"end":5.5,"confidence":0.9914551,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.1032150387763977},{"word":"laura","start":6.7200003,"end":7.2200003,"confidence":0.5073242,"punctuated_word":"Laura","sentiment":"neutral","sentiment_score":-0.16215017437934875},{"word":"again","start":8.44,"end":8.94,"confidence":0.98706055,"punctuated_word":"again.","sentiment":"neutral","sentiment_score":0.2427002489566803},{"word":"oh","start":10.16,"end":10.32,"confidence":0.90649414,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.17346420884132385},{"word":"no","start":10.32,"end":10.82,"confidence":0.9909668,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.24088089168071747},{"word":"that's","start":13.265,"end":13.585,"confidence":0.9802246,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.0754622146487236},{"word":"okay","start":13.585,"end":14.085,"confidence":0.99902344,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.019826997071504593},{"word":"yeah","start":14.865,"end":15.265,"confidence":0.8742676,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0058814287185668945},{"word":"well","start":15.265,"end":15.505,"confidence":0.7680664,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.022259995341300964},{"word":"it","start":15.505,"end":15.665,"confidence":0.9951172,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.029775504022836685},{"word":"it","start":15.665,"end":15.825001,"confidence":0.94628906,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.04040141776204109},{"word":"was","start":15.825001,"end":15.985001,"confidence":0.9482422,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.05471113324165344},{"word":"going","start":15.985001,"end":16.385,"confidence":0.99902344,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.03570785000920296},{"word":"what","start":19.025,"end":19.265,"confidence":0.97509766,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.07894181460142136},{"word":"was","start":19.265,"end":19.505001,"confidence":0.99609375,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.07929950952529907},{"word":"the","start":19.505001,"end":19.585,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07184905558824539},{"word":"last","start":19.585,"end":19.825,"confidence":0.9970703,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.06511661410331726},{"word":"thing","start":19.825,"end":19.985,"confidence":0.99902344,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.05919266492128372},{"word":"i","start":19.985,"end":20.145,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.05831748992204666},{"word":"heard","start":20.145,"end":20.465,"confidence":0.99121094,"punctuated_word":"heard?","sentiment":"neutral","sentiment_score":-0.04927419498562813},{"word":"obviously","start":20.465,"end":20.785,"confidence":0.99365234,"punctuated_word":"Obviously,","sentiment":"neutral","sentiment_score":-0.048950664699077606},{"word":"you","start":20.785,"end":20.945,"confidence":0.97265625,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.06815242767333984},{"word":"said","start":20.945,"end":21.185001,"confidence":0.99902344,"punctuated_word":"said","sentiment":"neutral","sentiment_score":-0.03728104010224342},{"word":"the","start":21.185001,"end":21.345001,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05402626842260361},{"word":"reasons","start":21.345001,"end":21.825,"confidence":0.9770508,"punctuated_word":"reasons","sentiment":"neutral","sentiment_score":-0.041703131049871445},{"word":"behind","start":21.825,"end":22.325,"confidence":1.0,"punctuated_word":"behind","sentiment":"neutral","sentiment_score":-0.03210960701107979},{"word":"why","start":22.545,"end":23.045,"confidence":0.9980469,"punctuated_word":"why","sentiment":"neutral","sentiment_score":-0.01572829857468605},{"word":"to","start":23.105,"end":23.345001,"confidence":0.98828125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03299975022673607},{"word":"do","start":23.345001,"end":23.505001,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.023797791451215744},{"word":"it","start":23.505001,"end":23.665,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.03572194650769234},{"word":"in","start":23.665,"end":23.744999,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Dana. It's Laura again. Oh, no. That's okay. Yeah.\n\nWell, it it was going what was the last thing I heard? Obviously, you said the reasons behind why to do it in a smaller amount this year so they can keep doing it again. Yeah. It does. Yes, ma'am.","paragraphs":[{"sentences":[{"text":"Hi, Dana.","start":3.04,"end":3.78,"sentiment":"neutral","sentiment_score":0.05443982593715191},{"text":"It's Laura again.","start":5.0,"end":8.94,"sentiment":"neutral","sentiment_score":-0.007554988066355388},{"text":"Oh, no.","start":10.16,"end":10.82,"sentiment":"neutral","sentiment_score":-0.20717255026102066},{"text":"That's okay.","start":13.265,"end":14.085,"sentiment":"neutral","sentiment_score":-0.0476446058601141},{"text":"Yeah.","start":14.865,"end":15.265,"sentiment":"neutral","sentiment_score":-0.0058814287185668945}],"sentiment":"neutral","sentiment_score":-0.04293010532855988,"num_words":10,"start":3.04,"end":15.265},{"sentences":[{"text":"Well, it it was going what was the last thing I heard?","start":15.265,"end":20.465,"sentiment":"neutral","sentiment_score":-0.05373727033535639},{"text":"Obviously, you said the reasons behind why to do it in a smaller amount this year so they can keep doing it again.","start":20.465,"end":28.17,"sentiment":"neutral","sentiment_score":-0.022251201712566872},{"text":"Yeah.","start":30.23,"end":30.73,"sentiment":"neutral","sentiment_score":0.24749068915843964},{"text":"It does.","start":143.39,"end":143.87,"sentiment":"neutral","sentiment_score":0.32088640332221985},{"text":"Yes, ma'am.","start":143.87,"end":144.69,"sentiment":"positive","sentiment_score":0.43746475875377655}],"sentiment":"neutral","sentiment_score":0.015189203247427941,"num_words":40,"start":15.265,"end":144.69}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Good afternoon. This is Dana.\n\nChannel 1: Hi, Dana.\n\nChannel 0: I'm\n\nChannel 1: It's\n\nChannel 0: so sorry. I think I was\n\nChannel 1: Laura\n\nChannel 0: just having a great old time talking to\n\nChannel 1: again.\n\nChannel 0: myself. I looked at my phone and went, oh,\n\nChannel 1: Oh,\n\nChannel 0: no.\n\nChannel 1: no.\n\nChannel 0: You dropped out. I'm so sorry.\n\nChannel 1: That's okay.\n\nChannel 0: Oh,\n\nChannel 1: Yeah.\n\nChannel 0: the\n\nChannel 1: Well,\n\nChannel 0: what was\n\nChannel 1: it\n\nChannel 0: the\n\nChannel 1: it\n\nChannel 0: last\n\nChannel 1: was going\n\nChannel 0: thing you heard? Sorry.\n\nChannel 1: what was the last thing I heard? Obviously, you said the reasons behind why to do it in a smaller amount this year\n\nChannel 0: Yep.\n\nChannel 1: so they can keep doing it again.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. That's basically the entire recommendation. So retaining your super fund as it is, we'll complete an investment switch to make sure you've got, we get rid of any underperforming investments and put you in a newer portfolio that's showing greater past performance is also lower cost and fees, so it can have a greater effect moving forward. And then we'll help you to make this deductible contribution of 20,000 into your super, which based on our research, this is mostly not taking into account any additional deductions that your accountant may be able to add for you.\n\nThis is just looking at the income that we're able to assess you on and how we utilize the deductible contribution to reduce your income back a little bit. Based on our research, it brings you back into the lower tax bracket, which is really good. Gives you, you know, going from what a 3037% tax bracket to 47% tax bracket is a 10% jump in taxation. So that in itself will give you a nice little return and hopefully, you know, put a greater benefit long term. But then the fund funds are also invested in super, which is really important, and that will have a greater long term compounding effect there for you.\n\nThere's no additional fees for our advice that we provided for you today. You are an ongoing client. You pay the ongoing service fee of 1.65% per annum. So this is biased as fully complimentary. And, essentially, how we'll implement it will be.\n\nWe'll start by just, if you're happy, you can sign and return it back. We'll do the investment switch in the back end there for you, and we'll give you the bank information so you can transfer the 20,000 in from your bank account, and then we'll just claim a notice intent. My team tend to either email or give you a call just to get a verbal confirmation that you're happy to claim a notice of intent. We can do that in the back end there for you, and then we email you the confirmation letter to take to your account and so you can claim that back on your tax return. Does that all make sense?\n\nChannel 1: It does. Yes, ma'am.\n\nChannel 0: Yes. Fantastic. Do you have any questions from any of that? It is a fairly simple strategy today, which is kind of good for you. Sorry.\n\nCan you hear me? Sorry, Laura. Can you hear me okay?","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":0.88,"end":1.4399999,"sentiment":"neutral","sentiment_score":0.2909328565001488},{"text":"This is Dana.","start":1.4399999,"end":2.34,"sentiment":"neutral","sentiment_score":0.1524407317241033}],"sentiment":"neutral","sentiment_score":0.20783758163452148,"channel":0,"num_words":5,"start":0.88,"end":2.34},{"sentences":[{"text":"Hi, Dana.","start":3.04,"end":3.78,"sentiment":"neutral","sentiment_score":0.05443982593715191}],"sentiment":"neutral","sentiment_score":0.05443982593715191,"channel":1,"num_words":2,"start":3.04,"end":3.78},{"sentences":[{"text":"I'm","start":4.96,"end":5.3599997,"sentiment":"neutral","sentiment_score":0.015062272548675535}],"sentiment":"neutral","sentiment_score":0.015062272548675535,"channel":0,"num_words":1,"start":4.96,"end":5.3599997},{"sentences":[{"text":"It's","start":5.0,"end":5.5,"sentiment":"neutral","sentiment_score":-0.1032150387763977}],"sentiment":"neutral","sentiment_score":-0.1032150387763977,"channel":1,"num_words":1,"start":5.0,"end":5.5},{"sentences":[{"text":"so sorry.","start":5.3599997,"end":6.0,"sentiment":"neutral","sentiment_score":-0.18514945358037949},{"text":"I think I 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