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So if you want to, I can give you a call now, and we can kinda go through things and start your review. Does that sound okay? Oh, I'm so sorry. Oh, I love that. Oh, fantastic. Well, let's jump into everything. Catherine, just before we do 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? Fantastic. And I not quite. Not quite. I still do a lot of things manually, believe it or not. All good. And just to double check the security with you as well, I'll just get you to confirm your full name, your date of birth, and address I should have on file there. Yep. Beautiful. Thank you so much for that. So, firstly, just to sort of jump into I know as per your email, you wanted to have a bit of a chat about moving into pension phase and drawing down a bit of income there for you. Last year, we did talk about looking at the TTR side of things. This year, are you wanting to sort of look at maybe moving into full pension, having access and drawing down as much income as you need? What's your sort of thoughts around that? Yep. Yeah. Yes. Yeah. Yep. Yep. Yep. Yeah. Yeah. That's okay. Not a problem at all. Last year, when we kinda touched base, you were estimating that income that you were earning from from the business and the trust at the moment was around about that 30 to $40,000 mark. Is that still kind of where your the income side of things is coming from? Is it about the same? Yep. Okay. Beautiful. Would you say it's closest to, say, 30,000 or 40,000? Would you estimate it is new? Okay. Yeah. That's okay. So 36,000. So if we look at maybe because you are over 60 and not working anymore, moving into full pension phase, the benefits there are that moving from accumulation to pension is that there's no income tax and no CGT tax in pension phase. The money in pension phase is working harder for you. You do have to draw down a minimum amount every year based on the balance there, but we don't have to move everything in the pension phase. You can leave the accumulation open with a smaller balance, and then we can be, you know, putting more money in that every year as you currently are. So would that be something you're sort of open to? Yep. Yep. Well, we'd essentially just wanna move as much as we possibly can. So when we look at doing this, we try to move in, essentially, like, a 100,000, a 150,000, just leaving a minimum amount in the accumulation phase. We can roll back every year into accumulation and keep refreshing your pension. It's not a problem at all. It's just about putting as much you're right. Sorry, Catherine. This phone just cut out. Can you repeat that for me? Yes. Yeah. Absolutely. Absolutely. It's act yeah. It actually works out a lot more in your favor because when you move into pension phase, as I mentioned before, there's no income tax or CGT consequences. You don't pay taxes or tax free environment. So moving as much money as possible into that pension phase there means that you still have your money invested in a portfolio. There's the income and the capital gains that are being generated inside pension phase are not being taxed any longer, so you end up with more money. It does kinda work out better for you to have more money in that pension phase, whereas money sitting in the super in accumulation phase as it is at the moment is subject to income tax and CDT tax. So moving as much in the pension phase is absolutely preferable. There are rules around how much you can take. So you do have a minimum based on your age of about 4% that you would have to take of the balance. So if we moved over, say, a 150,000 in the pension phase for the year, you have to take a minimum of 4% balance. But you have full access. Because you're fully retired, you have full access. If you need extra funds drawn down, that can be accounted for, and you can draw down as much of the balance as you need to in that year. So there's no restrictions on yeah. Yeah. You're right. Yep. So I've got the balance here for you. I'll just pull it up for you one quick. Sorry. So the balance in the account as of yesterday's date is 271,146 and 65¢. Yep. 250,000. We're looking at $12,500. Mhmm. Oh, that's just for the year. So you have had to have drawn that that 12,000 by the end of net by the end of the financial year. And if you don't yeah. Sorry. Yeah. Okay. Yep. Yep. That's okay. Are you wanting to have yeah. So you're wanting to have this updated and be in pension phase by the end of this financial year so you can take that minimum drawdown? Yeah. That's okay. We can do the research. I'll escalate the plan, and we'll do the research and get you booked in for probably two weeks. That'll be sort of from the week of the fifteenth, and that'll still give us a week before the end of the financial year, and we can move into pension phase fairly quickly for you. Okay? Yeah. Sure. Yes. Mhmm. Yep. Call it accumulation. It's a it's a way you're accumulating wealth just to make it easier for you. Yeah. You alright? Yeah. Yep. Yeah. Absolutely. Yep. That's right. Yeah. Yeah. Yes. That's right. Yeah. Yeah. So I think think of a think of slippers, like, key. Yeah. Yeah. Yeah. Yep. Yep. Yep. Absolutely. So when you're in full pension phase, there's no maximum on how much you can draw down. So the difference with what we were talking about last year, we were talking about the transition retirement sort of strategies. With a TTR account, you're you're only allowed to draw down a maximum of 10% for the year for the financial year. So this way, with what we're talking about now, you have full access to that money. If you decide you wanna take all of it out and you wanna go on a nice big holiday around the world, you can absolutely do that. There is no restriction on how much you can take down as a maximum. It's just the minimum restrictions. And as you get older, those minimum restrictions increase. So the older you get, the more they want you to draw out a super, if that makes sense. Yep. Yeah. Correct. Yep. That's correct. Yes. So so long as you are retired at the time that we move you independent phase, it doesn't matter. There's no restriction that says you can't then take on work later on or go back to work in any way, shape, or form so long as when we complete the declaration, you confirm that you are you are not working, you are over 60, and you were retired for the purpose of accessing super. You can decide to go back to work a day later, a week later. It doesn't really matter. It's just yeah. You've you've met that requirement to move into pension phase. Yeah. That's okay. Yeah. Oh, fantastic. The way I sort of like to look at the soup in the pension, because it does get a little bit confusing, is accumulating is just building wealth, and you are taxed when you're building that wealth. Pension is when you're taking money out, and it's a tax free environment if that helps a little bit. Yeah. Yep. Absolutely. That's okay. And you're always welcome to email me or give me a call if you have additional questions. There's no such thing as a silly question. If you if it's something that's eating you away and you want it answered, you let me know, and I'll happily answer that question for you. Okay? Excellent. Yeah. Definitely. So I have sent you through an annual review pack, which you're welcome to have a look at when you've got access to your Internet there. I know you said it has been a bit patchy over the past couple of weeks. You've got it? Excellent. Fantastic. And you've been traveling quite a lot. Yep. Wow. Wow. Fantastic. Fantastic. Wow. And you're seeing a lot of the country at the same time. Yeah. Yes. Yeah. Yeah. Yeah. Oh, that's fantastic. No. That's excellent. It it honestly, you are living my dream. That is exactly how my retirement today, just to travel and go everywhere, see everywhere, wake up one morning and go, I wanna go here today and just go there. That is exactly what I want my retirement to look like. So you are living the dream in my book. Yes. Yes. You need a bit of a man cave or a lady cave to kinda give you some separation. Oh, no. That's beautiful, honestly. I'm glad you're having such a great time. And the house, your what was your main primary residence? That was all being rented out to a charity that's all still working fine for you? Yep. Okay. Yeah. No. That's okay. When we look at the the drawdown from super, so we'll look at with keeping money in that accumulation phase, you wanna still be making that yearly contribution. Are you gonna be making the full 30,000 to your super account each year, or will it only be a smaller amount like you have done this year? What's your sort of plan with the super side of things with the contribution? Yep. Yep. Okay. Perfect. Because the contributions cap for this year was 30,000. The contributions cap for next financial year does go up to 32,500, so that'll be the maximum that we can put in there. But I I can yeah. That's okay. If you like, I can just as part of the advice document, factor in each month you're putting in $2,000 as a deductible contribution, and then we claim that at the end of the year for you. Does that sound like a comfort level? Perfect. Comfort level just so we're looking at how that affects your super and longevity wise. And then you'll need to draw do you wanna draw that 36,000? So we'll do those 4% this year, which is the 12,500 currently. Did you wanna then draw 36,000 out of your pension account each year moving forward to cover the expenditure side of things, your your base living expenses? Yep. That's okay. So it's, say, 3,000 per month. Yep. Perfect. No worries. So just so I can factor into the advice and show you what that looks like, because, essentially, my advice will look like what showing you moving into pension phase, how we'll have the funds invested for you so as it's working, drawing the money down, looking at longevity, how long soup is expected to last for given this this current, you know, plan. And then also putting in that $2,000 as a deductible contribution on a monthly basis at the end of the year, claiming that for you and sort of showing you how that might affect you long term. So I'll kind of make it a bit more comprehensive for you to give you an outline of the recommendations, but also where this sort of shows you moving to. Does that sound okay? Yep. Yeah. Okay. Yes. Okay. Yeah. Yep. Yep. No. That's okay. Yeah. Yep. Yep. That's okay. Yep. Yep. Mhmm. Yeah. Absolutely. So with pension phase, you can we can roll back from pension phase into accumulation and back again and refresh those as often as we like. We've got some clients where we speak to them every year, and we roll them back into accumulation and do a bit of a refresh and roll more money into pension phase and kind of readjust the drawdowns for them. So we can roll back and forth as often as you like. One of the big things about advice is very fluid. So it can change. We can alter the advice. And down the track because I know accessing yeah. And I noticed looking down the track when you do kinda hit the age of 67 and you're wanting to maybe look at age pension and eligibility for things like that, we can even look at ways of sheltering funds so that it's assessed lower or it might help the assessment for Centrelink. So there's other things that we can do down the track for you as well. Yes. Yeah. Yeah. Yeah. Okay. Yeah. Yep. Okay. Perfect. That's cool. Yeah. Yeah. And that will be something that's yeah. That's a little bit outside of our scope because we can't advise on anything in another country due to the taxation consequences there, but I can look up general information for you. So I could even have a look when we get closer to the the age pension side of things depending on what the rules are then. I can do some general information and look up some general information for you and see what we can find. But, yeah, we just have to scope out that New Zealand pension side of things for you at the moment. That's all. Yes. Yeah. Ask. Yeah. Yeah. Absolutely. Absolutely. Yeah. No. That's okay. If you like, I could also just do a bit of research and see what I can find from Centrelink, and I can send you just some general information via your email there if you like just to sort of show you what what I can find and might help you out with a bit of reading material. Beautiful. Not a problem at all. If you do happen to call Centrelink, make sure you've got a spare kind of two hours available because sitting on hold with them is Wow. Wow. We don't get that here, unfortunately. It's a shame. No. Beautiful. Yep. Excellent. So just going through and updating the asset side of things. So you mentioned your main primary residence is now the investment property. That's all being rented out fine. Just updating the asset value of that property, you had about 750,000 last year. Would you keep that about the same, or would you kind of change or update that at all? Yeah. It's up to you. Yeah. Perfect. Excellent. And that loan is still fully offset. Okay. Lovely. And that's the property that's still owned in your name. The other properties are all owned in that trust, aren't they? Yep. Beautiful. Excellent. So we'll keep that there for you. I've also got down here that you had some shares in The UK as well. Do you still have those? Yep. They're valued about $1,500. Yep. Beautiful. And with all the properties and things held in the trust, we had a combined value of the trust assets of about 850,000. Would that have increased a bit? $9.25. Beautiful. Lovely. Excellent. And then contents, we had an asset value of about 6,000. Would you keep that about the same? No. That's okay. Yep. That's okay. Not a problem at all. And you've got the caravan that you're living in there. That's the Jayco Star Craft that you purchased? Yep. Beautiful value on that was about 20,000 last year. Would you keep it the same or increase or change that? Yep. Beautiful. So 25,000. I mean, now you gotta have a comfy mattress. That's important. Yeah. You did have that Toyota Avalon valued at 1,000 that you had donated to the or donating to the charity with the the house side of things. Is that was that all donated with it? Yep. Yep. Yep. Yeah. That's okay. Not a problem at all. You had a rough value of about a thousand dollars in that vehicle. Would you keep that about the same? Yep. Beautiful. And then we've still got the Ford Ranger there as well. Yep. Last year, I looked up the estimated value. Did you want me to do the same thing on that car for this year? Yep. Beautiful. Look up that one. Beautiful. And then contents we've covered. That's perfect. I had down here that you did have a will and power of attorney all set up. That's all still valid, all still reflects your wishes correctly. Yeah. Yep. Perfect. And beneficiaries on super. And on the pension to come as well, you do you want everything, if in the event of you passing early, to be passed down to Greg or yep. Beautiful. I'll make sure that's all updated for you and confirmed with the advice. Beautiful. I've got income here 36,000, which is great. Everything else looks pretty well. As we kinda went through before, your super has done really nicely. So when I had a look back at our interview last year, your balance has definitely increased. So we had a balance of $2.51 last year and then that $2.71 $1.04 6 now. When we look at the earnings, the growth, and the income that has generated from the portfolio, even with what's been happening this year and this year, we did see market take a bit of a a dip around about that March point. Yeah. Everything has been working quite well, and the gross and the income generated so the total earnings has just been over $26,048 for you. So it shows that a net return is a positive of 8.73%, which is really good. When we look at that growth portfolio that you're in at the moment, you were sort of chasing annualized returns or compounding annualized returns of about seven to 9%. The 8% is still in that range. It's kind of mid range for where you are in that growth portfolio, and the fact that you've come out with a positive return even with what been going on globally at the moment, it is still a good sign. I have noticed one of your investments, though, has been underperforming. So you have the Benelung Australian equities in there. That was originally put into your portfolio. They're an the investment manager for Bannalong, they're trying to actively manage that fund and outperform against the market. In recent months, they haven't been able to do that. We don't we're seeing them drop very heavily at the moment, and they're underperforming a little bit. So I would like to, as part of the advice, go back and remove that for you. I can do a couple of things. I can look at putting in another investment manager that's active and trying to outperform against the market, or I could look at some passive funds that might be cheaper for you. Did you wanna have that active management, or do you wanna focus on a bit of a cheaper portfolio that might save you in fees? Mhmm. Yes. Yeah. Yes. Mhmm. You're sitting at growth. So when you sort of think of it if you think of risk at a level of, say, five, you're kind of in that four to 5%. You're you're quite up there. Generally, the growth portfolio suits someone who has about six years before they're wanting to access their super. I definitely wanna do that risk profile with you today. Because moving into that pension phase, we do wanna look at ways to make sure you're not seeing very heavy dips at the points where you are taking money at, and maybe drawing down and being a bit more conservative is a good thing moving forward. You still wanna get returns and see investments grow, but not looking for as heavy a drop in the market like we have seen over the past few months there. Yeah. Yeah. Yeah. Did you want me just to focus on investments so I can find an Australian equities investment to give you Australian exposure that might be more diversified, be a little bit cheaperly managed, and still providing good returns? Yeah. Yeah. It does kind of work that with with the balance you have because we're sort of having the two accounts. It's better to kind of make sure they're all combined in a in a very similar risk level. With having more money in that pension phase, that's where you wanna be more conservative. You could take a bit more risk in the accumulation phase, but the balance will be much smaller. So it does work out better just to kind of keep it across the two accounts very similar and making sure you're not overweight and not taking on too much risk because you don't wanna be rolling back or accessing some of that money at a time when there's a very large market dip. It means you have to cement those losses. So just yeah. Being more conservative, this side of things is not bad. Yeah. Yeah. No. That's like abs you're fine. I know. What is it? Ask it now. Absolutely. Yeah. Yep. Yes. Mhmm. Yeah. Okay. There could be. We could look at investing the funds for you in an in your super or in another portfolio. The problem is I would wanna be investing money that you are wanting to access in the short term. So, realistically, money that you wanna access in the next three to five years shouldn't be invested in the market because you do risk, even in a defensive portfolio, seeing markets go up and down and fluctuate. So you do risk accessing money at a down point in the market even because all markets go up and down. So, realistically, money that you're hoping to access in the next sort of one, two, or even three years realistically would be better sitting in a term deposit where you could or high interest savings account where you can access that without it fluctuating too heavily. Does that make sense? Yeah. Yeah. Absolutely not. Absolutely not. It's always worth asking the question. Absolutely. Perfect. Well, I'll look at the portfolio. I'll have a look at the research around the super moving 250,000 into pension, making sure we get that drawdown this year, but then also drawing down the 36,000 next year in monthly increments for you. We'll keep some money sitting back in the accumulation phase as well, and we'll look at the deductible contribution. So you're putting in about $2,000 on a monthly basis and then claiming the notice of intent at the end of the year there. I'll look at investments that are a bit more passively managed, a bit cheaper, but also providing good returns. The last thing to kinda check-in on is just the risk profile questionnaire. So we've done this every year. It's very much exactly the same. Just a couple of questions. Now I'm altering the accessing question because you wanna access super now, so I'm gonna make that one a a five. So you wanted to access super now. You still do have direct shares, so we can tick that one as a box of one. The next question here is looking at market dips. So we sort of talked about taking less risk in the market. You're feeling a bit more conservative there. If you saw, say, a 20% dip in the market, you know, over the next sort of twelve months or the next one or two years, how do you think you might be feeling? Are you calling me and saying I wanna put more money in and take advantage of the downtime? Are you a bit concerned because you're accessing super and wanting to find out if there's a safer way to put your funds? Or are you hoping to just hold and wait knowing that markets go through those ups and downs? What do you how do you think he might react? Yep. Yep. Yep. No. That's okay. Absolutely. Yeah. Abs absolutely. Now when we think of trying to get good returns, we will all want the best return we can, but we understand that we do have to take a a certain amount of risk in order to achieve that certain rate of return. And do you consider yourself comfortable taking a higher level of risk to get higher returns, a medium amount of risk to get average or moderate amount of returns, or no risk to get very little returns? Yep. Beautiful. I've still ticked the box here that you're trying to, on average, get the best returns you possibly can from the portfolio that you've got there. And then the last question here is looking at borrowing funds to invest, do you see yourself comfortable borrowing money in order to invest in shares or managed funds, or do you think you would never do something like that again? No. That's okay. Beautiful. Excellent. Okay. So having a look at that one there for you. My computer's thinking about it a little bit. There we go. Now you've scored there more as a more more of a moderate investor. So in that growth portfolio you have at the moment, that's where you generally see about 80% of your super invested in growth assets, like Australian shares, international shares, listed property, commodities like gold and silver, and then just about 20% in defensive lower risk investments like cash, bonds, and fixed interest. As a moderate investor, we've got one of two ways. You can start to reduce it a bit more gradually. Normally, that would see us drop you down to more of a balanced portfolio, which sees 60% of your super invested in those growth investments, and then we're increasing that defensive side of things to about 40% there for you. Do you feel comfortable dropping down to that level, or did you kinda wanna go in the middle of where you are and maybe drop down in increments, 10% increments. How do you feel? Yep. Yep. Yeah. Absolutely. Not a problem at all. So I'll look at the balance growth environment for you, which is sort of that seventy thirty split. So you're dropping down from 80 to 70 in those growth investments and then bringing up that defensive component by that 10% there as well. Sort of gradually stepping down a bit like taking steps down slowly and gradually towards that defensive kind of area. If at any point you do feel a bit uncomfortable, let me know. You do still have time on your side, and one of the biggest misconceptions people come up with that I do find is that when we move into pension phase, we should be a 100% defensive and not taking any risk in the market. And as much as you are taking money out on a monthly basis, you still have time to be invested because retirement you can be in retirement for ten, twenty, or thirty, or forty years depending on how long you live for. So you still have time to be invested. You're still not wanting to access all that money at once, so it is still good to have that level of risk and take on some risk to get those better returns to make sure you get that longevity. So it's a bit of a juggling act, but I can show you what this sort of balanced growth environment looks like. The average returns we're sort of chasing compounded in this sort of portfolio is about six to 8%, and the likelihood of a negative return is about one in six years. So it is less risk than what the growth environment is. I'll look at making sure your portfolio is diversified. We also do consider, you know, when we move and alter portfolios, the CGT consequences inside super because when we buy and sell investments, your super fund still has to pay CGT tax. So we'll make sure we account for that for you. One of the things I could probably also look at if you would like me to is one of the things with talking to the local economists, we have seen very high inflation this year. I could look at ways of trying to combat inflation in that defensive environment. Are you comfortable with me sort of having a look at some different investments to maybe compact combat what might be coming in the next few months with what the economist has sort of been saying for us? Yep. Beautiful. Lovely. I've got a few options of investments that I have been looking at, but I'll sort of go back and just do a bit of divvy, have a look at, you know, what the research comes up with the longevity side of things, and I'll update the plan there for you. Now you may have mentioned that you guys are in Bundaberg for the next five weeks. Is that right? Four now? Yep. That's okay. It'll take me about a week or so to do the research. Can I book you back in for, say, maybe the week of the fifteenth? One of those days to go through the advice. Would that be okay? Absolutely. Yeah. Absolutely. Did you want in the morning or the afternoon? Or yeah. Perfect. We can do I look. I start work anywhere from sort of 07:30, 08:00 in the morning. Did you want me to do, like, 08:30, 09:00 for you? Or 09:00? Beautiful. We'll pop that one in there for you. Beautiful. And I'll send a little text message reminder so it sends a message out the day before just with that time and date to make it easier for you. Beautiful. Lovely. Looking forward to putting this advice together for you. Now that annual review pack has been sent out, it does have the ongoing service agreement for the next twelve months. If you're happy with being on board and staying on board with me for another twelve months and having me as your adviser, I'll get you to sign and return that one back. It does have the ongoing service agreement, which is at 1.65% per annum, and our fee is deducted in smaller monthly increments for you. Because we'll be going into pension phase and having those two accounts open, that fee will be deducted. I'll add it into the advice so you can see how that works, but it will work provider across both those accounts there for you. Yeah. But if you're comfortable just signing and returning that one back for me, we can apply that to things, and then we just as the advice updates everything, we'll just update that agreement across the accounts there for you. I've also got attached there the ongoing the annual agreement documents that we've gone through. So it has your balance there with the summary. It's also got the portfolio reports. You're welcome to run your eyes over and let me know if you do have any questions there. And I've also got the financial services guide, which we send out regularly to you as well, just updating all the information on who I am, all about us here at iView as well. So feel free to run your eyes over those documents. If you do find us any questions in relation to them. Please come back and let me know. And, yeah, I'll get working on this research there for you. Okay? Excellent. Oh, thank you so much. No. You did very well. Yep. Beautiful. Fantastic. Well, I will let you go to enjoy your day. Enjoy the rest of your week. Hopefully, it's nice and sunny out there. Fantastic. Excellent. Well, I'll get cracking on this reset, and I'll talk to you on the seventeenth at 9AM to go through the advice document. Thank you, Catherine. Enjoy your day. Appreciate your time. Thanks. See you later. 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Catherine. It's Dana from Oakview. How are you? I'm very well. Thank you.\n\nSo Maddie just let me know that you called in a bit earlier, and my last call, unfortunately, hasn't answered. So if you want to, I can give you a call now, and we can kinda go through things and start your review. Does that sound okay? Oh, I'm so sorry. Oh, I love that.\n\nOh, fantastic. Well, let's jump into everything. Catherine, just before we do 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? Fantastic.\n\nAnd I not quite. Not quite. I still do a lot of things manually, believe it or not. All good. And just to double check the security with you as well, I'll just get you to confirm your full name, your date of birth, and address I should have on file there.\n\nYep. Beautiful. Thank you so much for that. So, firstly, just to sort of jump into I know as per your email, you wanted to have a bit of a chat about moving into pension phase and drawing down a bit of income there for you. Last year, we did talk about looking at the TTR side of things.\n\nThis year, are you wanting to sort of look at maybe moving into full pension, having access and drawing down as much income as you need? What's your sort of thoughts around that? Yep. Yeah. Yes.\n\nYeah. Yep. Yep. Yep. Yeah.\n\nYeah. That's okay. Not a problem at all. Last year, when we kinda touched base, you were estimating that income that you were earning from from the business and the trust at the moment was around about that 30 to $40,000 mark. Is that still kind of where your the income side of things is coming from?\n\nIs it about the same? Yep. Okay. Beautiful. Would you say it's closest to, say, 30,000 or 40,000?\n\nWould you estimate it is new? Okay. Yeah. That's okay. So 36,000.\n\nSo if we look at maybe because you are over 60 and not working anymore, moving into full pension phase, the benefits there are that moving from accumulation to pension is that there's no income tax and no CGT tax in pension phase. The money in pension phase is working harder for you. You do have to draw down a minimum amount every year based on the balance there, but we don't have to move everything in the pension phase. You can leave the accumulation open with a smaller balance, and then we can be, you know, putting more money in that every year as you currently are. So would that be something you're sort of open to?\n\nYep. Yep. Well, we'd essentially just wanna move as much as we possibly can. So when we look at doing this, we try to move in, essentially, like, a 100,000, a 150,000, just leaving a minimum amount in the accumulation phase. We can roll back every year into accumulation and keep refreshing your pension.\n\nIt's not a problem at all. It's just about putting as much you're right. Sorry, Catherine. This phone just cut out. Can you repeat that for me?\n\nYes. Yeah. Absolutely. Absolutely. It's act yeah.\n\nIt actually works out a lot more in your favor because when you move into pension phase, as I mentioned before, there's no income tax or CGT consequences. You don't pay taxes or tax free environment. So moving as much money as possible into that pension phase there means that you still have your money invested in a portfolio. There's the income and the capital gains that are being generated inside pension phase are not being taxed any longer, so you end up with more money. It does kinda work out better for you to have more money in that pension phase, whereas money sitting in the super in accumulation phase as it is at the moment is subject to income tax and CDT tax.\n\nSo moving as much in the pension phase is absolutely preferable. There are rules around how much you can take. So you do have a minimum based on your age of about 4% that you would have to take of the balance. So if we moved over, say, a 150,000 in the pension phase for the year, you have to take a minimum of 4% balance. But you have full access.\n\nBecause you're fully retired, you have full access. If you need extra funds drawn down, that can be accounted for, and you can draw down as much of the balance as you need to in that year. So there's no restrictions on yeah. Yeah. You're right.\n\nYep. So I've got the balance here for you. I'll just pull it up for you one quick. Sorry. So the balance in the account as of yesterday's date is 271,146 and 65¢.\n\nYep. 250,000. We're looking at $12,500. Mhmm. Oh, that's just for the year.\n\nSo you have had to have drawn that that 12,000 by the end of net by the end of the financial year. And if you don't yeah. Sorry. Yeah. Okay.\n\nYep. Yep. That's okay. Are you wanting to have yeah. So you're wanting to have this updated and be in pension phase by the end of this financial year so you can take that minimum drawdown?\n\nYeah. That's okay. We can do the research. I'll escalate the plan, and we'll do the research and get you booked in for probably two weeks. That'll be sort of from the week of the fifteenth, and that'll still give us a week before the end of the financial year, and we can move into pension phase fairly quickly for you.\n\nOkay? Yeah. Sure. Yes. Mhmm.\n\nYep. Call it accumulation. It's a it's a way you're accumulating wealth just to make it easier for you. Yeah. You alright?\n\nYeah. Yep. Yeah. Absolutely. Yep.\n\nThat's right. Yeah. Yeah. Yes. That's right.\n\nYeah. Yeah. So I think think of a think of slippers, like, key. Yeah. Yeah.\n\nYeah. Yep. Yep. Yep. Absolutely.\n\nSo when you're in full pension phase, there's no maximum on how much you can draw down. So the difference with what we were talking about last year, we were talking about the transition retirement sort of strategies. With a TTR account, you're you're only allowed to draw down a maximum of 10% for the year for the financial year. So this way, with what we're talking about now, you have full access to that money. If you decide you wanna take all of it out and you wanna go on a nice big holiday around the world, you can absolutely do that.\n\nThere is no restriction on how much you can take down as a maximum. It's just the minimum restrictions. And as you get older, those minimum restrictions increase. So the older you get, the more they want you to draw out a super, if that makes sense. Yep.\n\nYeah. Correct. Yep. That's correct. Yes.\n\nSo so long as you are retired at the time that we move you independent phase, it doesn't matter. There's no restriction that says you can't then take on work later on or go back to work in any way, shape, or form so long as when we complete the declaration, you confirm that you are you are not working, you are over 60, and you were retired for the purpose of accessing super. You can decide to go back to work a day later, a week later. It doesn't really matter. It's just yeah.\n\nYou've you've met that requirement to move into pension phase. Yeah. That's okay. Yeah. Oh, fantastic.\n\nThe way I sort of like to look at the soup in the pension, because it does get a little bit confusing, is accumulating is just building wealth, and you are taxed when you're building that wealth. Pension is when you're taking money out, and it's a tax free environment if that helps a little bit. Yeah. Yep. Absolutely.\n\nThat's okay. And you're always welcome to email me or give me a call if you have additional questions. There's no such thing as a silly question. If you if it's something that's eating you away and you want it answered, you let me know, and I'll happily answer that question for you. Okay?\n\nExcellent. Yeah. Definitely. So I have sent you through an annual review pack, which you're welcome to have a look at when you've got access to your Internet there. I know you said it has been a bit patchy over the past couple of weeks.\n\nYou've got it? Excellent. Fantastic. And you've been traveling quite a lot. Yep.\n\nWow. Wow. Fantastic. Fantastic. Wow.\n\nAnd you're seeing a lot of the country at the same time. Yeah. Yes. Yeah. Yeah.\n\nYeah. Oh, that's fantastic. No. That's excellent. It it honestly, you are living my dream.\n\nThat is exactly how my retirement today, just to travel and go everywhere, see everywhere, wake up one morning and go, I wanna go here today and just go there. That is exactly what I want my retirement to look like. So you are living the dream in my book. Yes. Yes.\n\nYou need a bit of a man cave or a lady cave to kinda give you some separation. Oh, no. That's beautiful, honestly. I'm glad you're having such a great time. And the house, your what was your main primary residence?\n\nThat was all being rented out to a charity that's all still working fine for you? Yep. Okay. Yeah. No.\n\nThat's okay. When we look at the the drawdown from super, so we'll look at with keeping money in that accumulation phase, you wanna still be making that yearly contribution. Are you gonna be making the full 30,000 to your super account each year, or will it only be a smaller amount like you have done this year? What's your sort of plan with the super side of things with the contribution? Yep.\n\nYep. Okay. Perfect. Because the contributions cap for this year was 30,000. The contributions cap for next financial year does go up to 32,500, so that'll be the maximum that we can put in there.\n\nBut I I can yeah. That's okay. If you like, I can just as part of the advice document, factor in each month you're putting in $2,000 as a deductible contribution, and then we claim that at the end of the year for you. Does that sound like a comfort level? Perfect.\n\nComfort level just so we're looking at how that affects your super and longevity wise. And then you'll need to draw do you wanna draw that 36,000? So we'll do those 4% this year, which is the 12,500 currently. Did you wanna then draw 36,000 out of your pension account each year moving forward to cover the expenditure side of things, your your base living expenses? Yep.\n\nThat's okay. So it's, say, 3,000 per month. Yep. Perfect. No worries.\n\nSo just so I can factor into the advice and show you what that looks like, because, essentially, my advice will look like what showing you moving into pension phase, how we'll have the funds invested for you so as it's working, drawing the money down, looking at longevity, how long soup is expected to last for given this this current, you know, plan. And then also putting in that $2,000 as a deductible contribution on a monthly basis at the end of the year, claiming that for you and sort of showing you how that might affect you long term. So I'll kind of make it a bit more comprehensive for you to give you an outline of the recommendations, but also where this sort of shows you moving to. Does that sound okay? Yep.\n\nYeah. Okay. Yes. Okay. Yeah.\n\nYep. Yep. No. That's okay. Yeah.\n\nYep. Yep. That's okay. Yep. Yep.\n\nMhmm. Yeah. Absolutely. So with pension phase, you can we can roll back from pension phase into accumulation and back again and refresh those as often as we like. We've got some clients where we speak to them every year, and we roll them back into accumulation and do a bit of a refresh and roll more money into pension phase and kind of readjust the drawdowns for them.\n\nSo we can roll back and forth as often as you like. One of the big things about advice is very fluid. So it can change. We can alter the advice. And down the track because I know accessing yeah.\n\nAnd I noticed looking down the track when you do kinda hit the age of 67 and you're wanting to maybe look at age pension and eligibility for things like that, we can even look at ways of sheltering funds so that it's assessed lower or it might help the assessment for Centrelink. So there's other things that we can do down the track for you as well. Yes. Yeah. Yeah.\n\nYeah. Okay. Yeah. Yep. Okay.\n\nPerfect. That's cool. Yeah. Yeah. And that will be something that's yeah.\n\nThat's a little bit outside of our scope because we can't advise on anything in another country due to the taxation consequences there, but I can look up general information for you. So I could even have a look when we get closer to the the age pension side of things depending on what the rules are then. I can do some general information and look up some general information for you and see what we can find. But, yeah, we just have to scope out that New Zealand pension side of things for you at the moment. That's all.\n\nYes. Yeah. Ask. Yeah. Yeah.\n\nAbsolutely. Absolutely. Yeah. No. That's okay.\n\nIf you like, I could also just do a bit of research and see what I can find from Centrelink, and I can send you just some general information via your email there if you like just to sort of show you what what I can find and might help you out with a bit of reading material. Beautiful. Not a problem at all. If you do happen to call Centrelink, make sure you've got a spare kind of two hours available because sitting on hold with them is Wow. Wow.\n\nWe don't get that here, unfortunately. It's a shame. No. Beautiful. Yep.\n\nExcellent. So just going through and updating the asset side of things. So you mentioned your main primary residence is now the investment property. That's all being rented out fine. Just updating the asset value of that property, you had about 750,000 last year.\n\nWould you keep that about the same, or would you kind of change or update that at all? Yeah. It's up to you. Yeah. Perfect.\n\nExcellent. And that loan is still fully offset. Okay. Lovely. And that's the property that's still owned in your name.\n\nThe other properties are all owned in that trust, aren't they? Yep. Beautiful. Excellent. So we'll keep that there for you.\n\nI've also got down here that you had some shares in The UK as well. Do you still have those? Yep. They're valued about $1,500. Yep.\n\nBeautiful. And with all the properties and things held in the trust, we had a combined value of the trust assets of about 850,000. Would that have increased a bit? $9.25. Beautiful.\n\nLovely. Excellent. And then contents, we had an asset value of about 6,000. Would you keep that about the same? No.\n\nThat's okay. Yep. That's okay. Not a problem at all. And you've got the caravan that you're living in there.\n\nThat's the Jayco Star Craft that you purchased? Yep. Beautiful value on that was about 20,000 last year. Would you keep it the same or increase or change that? Yep.\n\nBeautiful. So 25,000. I mean, now you gotta have a comfy mattress. That's important. Yeah.\n\nYou did have that Toyota Avalon valued at 1,000 that you had donated to the or donating to the charity with the the house side of things. Is that was that all donated with it? Yep. Yep. Yep.\n\nYeah. That's okay. Not a problem at all. You had a rough value of about a thousand dollars in that vehicle. Would you keep that about the same?\n\nYep. Beautiful. And then we've still got the Ford Ranger there as well. Yep. Last year, I looked up the estimated value.\n\nDid you want me to do the same thing on that car for this year? Yep. Beautiful. Look up that one. Beautiful.\n\nAnd then contents we've covered. That's perfect. I had down here that you did have a will and power of attorney all set up. That's all still valid, all still reflects your wishes correctly. Yeah.\n\nYep. Perfect. And beneficiaries on super. And on the pension to come as well, you do you want everything, if in the event of you passing early, to be passed down to Greg or yep. Beautiful.\n\nI'll make sure that's all updated for you and confirmed with the advice. Beautiful. I've got income here 36,000, which is great. Everything else looks pretty well. As we kinda went through before, your super has done really nicely.\n\nSo when I had a look back at our interview last year, your balance has definitely increased. So we had a balance of $2.51 last year and then that $2.71 $1.04 6 now. When we look at the earnings, the growth, and the income that has generated from the portfolio, even with what's been happening this year and this year, we did see market take a bit of a a dip around about that March point. Yeah. Everything has been working quite well, and the gross and the income generated so the total earnings has just been over $26,048 for you.\n\nSo it shows that a net return is a positive of 8.73%, which is really good. When we look at that growth portfolio that you're in at the moment, you were sort of chasing annualized returns or compounding annualized returns of about seven to 9%. The 8% is still in that range. It's kind of mid range for where you are in that growth portfolio, and the fact that you've come out with a positive return even with what been going on globally at the moment, it is still a good sign. I have noticed one of your investments, though, has been underperforming.\n\nSo you have the Benelung Australian equities in there. That was originally put into your portfolio. They're an the investment manager for Bannalong, they're trying to actively manage that fund and outperform against the market. In recent months, they haven't been able to do that. We don't we're seeing them drop very heavily at the moment, and they're underperforming a little bit.\n\nSo I would like to, as part of the advice, go back and remove that for you. I can do a couple of things. I can look at putting in another investment manager that's active and trying to outperform against the market, or I could look at some passive funds that might be cheaper for you. Did you wanna have that active management, or do you wanna focus on a bit of a cheaper portfolio that might save you in fees? Mhmm.\n\nYes. Yeah. Yes. Mhmm. You're sitting at growth.\n\nSo when you sort of think of it if you think of risk at a level of, say, five, you're kind of in that four to 5%. You're you're quite up there. Generally, the growth portfolio suits someone who has about six years before they're wanting to access their super. I definitely wanna do that risk profile with you today. Because moving into that pension phase, we do wanna look at ways to make sure you're not seeing very heavy dips at the points where you are taking money at, and maybe drawing down and being a bit more conservative is a good thing moving forward.\n\nYou still wanna get returns and see investments grow, but not looking for as heavy a drop in the market like we have seen over the past few months there. Yeah. Yeah. Yeah. Did you want me just to focus on investments so I can find an Australian equities investment to give you Australian exposure that might be more diversified, be a little bit cheaperly managed, and still providing good returns?\n\nYeah. Yeah. It does kind of work that with with the balance you have because we're sort of having the two accounts. It's better to kind of make sure they're all combined in a in a very similar risk level. With having more money in that pension phase, that's where you wanna be more conservative.\n\nYou could take a bit more risk in the accumulation phase, but the balance will be much smaller. So it does work out better just to kind of keep it across the two accounts very similar and making sure you're not overweight and not taking on too much risk because you don't wanna be rolling back or accessing some of that money at a time when there's a very large market dip. It means you have to cement those losses. So just yeah. Being more conservative, this side of things is not bad.\n\nYeah. Yeah. No. That's like abs you're fine. I know.\n\nWhat is it? Ask it now. Absolutely. Yeah. Yep.\n\nYes. Mhmm. Yeah. Okay. There could be.\n\nWe could look at investing the funds for you in an in your super or in another portfolio. The problem is I would wanna be investing money that you are wanting to access in the short term. So, realistically, money that you wanna access in the next three to five years shouldn't be invested in the market because you do risk, even in a defensive portfolio, seeing markets go up and down and fluctuate. So you do risk accessing money at a down point in the market even because all markets go up and down. So, realistically, money that you're hoping to access in the next sort of one, two, or even three years realistically would be better sitting in a term deposit where you could or high interest savings account where you can access that without it fluctuating too heavily.\n\nDoes that make sense? Yeah. Yeah. Absolutely not. Absolutely not.\n\nIt's always worth asking the question. Absolutely. Perfect. Well, I'll look at the portfolio. I'll have a look at the research around the super moving 250,000 into pension, making sure we get that drawdown this year, but then also drawing down the 36,000 next year in monthly increments for you.\n\nWe'll keep some money sitting back in the accumulation phase as well, and we'll look at the deductible contribution. So you're putting in about $2,000 on a monthly basis and then claiming the notice of intent at the end of the year there. I'll look at investments that are a bit more passively managed, a bit cheaper, but also providing good returns. The last thing to kinda check-in on is just the risk profile questionnaire. So we've done this every year.\n\nIt's very much exactly the same. Just a couple of questions. Now I'm altering the accessing question because you wanna access super now, so I'm gonna make that one a a five. So you wanted to access super now. You still do have direct shares, so we can tick that one as a box of one.\n\nThe next question here is looking at market dips. So we sort of talked about taking less risk in the market. You're feeling a bit more conservative there. If you saw, say, a 20% dip in the market, you know, over the next sort of twelve months or the next one or two years, how do you think you might be feeling? Are you calling me and saying I wanna put more money in and take advantage of the downtime?\n\nAre you a bit concerned because you're accessing super and wanting to find out if there's a safer way to put your funds? Or are you hoping to just hold and wait knowing that markets go through those ups and downs? What do you how do you think he might react? Yep. Yep.\n\nYep. No. That's okay. Absolutely. Yeah.\n\nAbs absolutely. Now when we think of trying to get good returns, we will all want the best return we can, but we understand that we do have to take a a certain amount of risk in order to achieve that certain rate of return. And do you consider yourself comfortable taking a higher level of risk to get higher returns, a medium amount of risk to get average or moderate amount of returns, or no risk to get very little returns? Yep. Beautiful.\n\nI've still ticked the box here that you're trying to, on average, get the best returns you possibly can from the portfolio that you've got there. And then the last question here is looking at borrowing funds to invest, do you see yourself comfortable borrowing money in order to invest in shares or managed funds, or do you think you would never do something like that again? No. That's okay. Beautiful.\n\nExcellent. Okay. So having a look at that one there for you. My computer's thinking about it a little bit. There we go.\n\nNow you've scored there more as a more more of a moderate investor. So in that growth portfolio you have at the moment, that's where you generally see about 80% of your super invested in growth assets, like Australian shares, international shares, listed property, commodities like gold and silver, and then just about 20% in defensive lower risk investments like cash, bonds, and fixed interest. As a moderate investor, we've got one of two ways. You can start to reduce it a bit more gradually. Normally, that would see us drop you down to more of a balanced portfolio, which sees 60% of your super invested in those growth investments, and then we're increasing that defensive side of things to about 40% there for you.\n\nDo you feel comfortable dropping down to that level, or did you kinda wanna go in the middle of where you are and maybe drop down in increments, 10% increments. How do you feel? Yep. Yep. Yeah.\n\nAbsolutely. Not a problem at all. So I'll look at the balance growth environment for you, which is sort of that seventy thirty split. So you're dropping down from 80 to 70 in those growth investments and then bringing up that defensive component by that 10% there as well. Sort of gradually stepping down a bit like taking steps down slowly and gradually towards that defensive kind of area.\n\nIf at any point you do feel a bit uncomfortable, let me know. You do still have time on your side, and one of the biggest misconceptions people come up with that I do find is that when we move into pension phase, we should be a 100% defensive and not taking any risk in the market. And as much as you are taking money out on a monthly basis, you still have time to be invested because retirement you can be in retirement for ten, twenty, or thirty, or forty years depending on how long you live for. So you still have time to be invested. You're still not wanting to access all that money at once, so it is still good to have that level of risk and take on some risk to get those better returns to make sure you get that longevity.\n\nSo it's a bit of a juggling act, but I can show you what this sort of balanced growth environment looks like. The average returns we're sort of chasing compounded in this sort of portfolio is about six to 8%, and the likelihood of a negative return is about one in six years. So it is less risk than what the growth environment is. I'll look at making sure your portfolio is diversified. We also do consider, you know, when we move and alter portfolios, the CGT consequences inside super because when we buy and sell investments, your super fund still has to pay CGT tax.\n\nSo we'll make sure we account for that for you. One of the things I could probably also look at if you would like me to is one of the things with talking to the local economists, we have seen very high inflation this year. I could look at ways of trying to combat inflation in that defensive environment. Are you comfortable with me sort of having a look at some different investments to maybe compact combat what might be coming in the next few months with what the economist has sort of been saying for us? Yep.\n\nBeautiful. Lovely. I've got a few options of investments that I have been looking at, but I'll sort of go back and just do a bit of divvy, have a look at, you know, what the research comes up with the longevity side of things, and I'll update the plan there for you. Now you may have mentioned that you guys are in Bundaberg for the next five weeks. Is that right?\n\nFour now? Yep. That's okay. It'll take me about a week or so to do the research. Can I book you back in for, say, maybe the week of the fifteenth?\n\nOne of those days to go through the advice. Would that be okay? Absolutely. Yeah. Absolutely.\n\nDid you want in the morning or the afternoon? Or yeah. Perfect. We can do I look. I start work anywhere from sort of 07:30, 08:00 in the morning.\n\nDid you want me to do, like, 08:30, 09:00 for you? Or 09:00? Beautiful. We'll pop that one in there for you. Beautiful.\n\nAnd I'll send a little text message reminder so it sends a message out the day before just with that time and date to make it easier for you. Beautiful. Lovely. Looking forward to putting this advice together for you. Now that annual review pack has been sent out, it does have the ongoing service agreement for the next twelve months.\n\nIf you're happy with being on board and staying on board with me for another twelve months and having me as your adviser, I'll get you to sign and return that one back. It does have the ongoing service agreement, which is at 1.65% per annum, and our fee is deducted in smaller monthly increments for you. Because we'll be going into pension phase and having those two accounts open, that fee will be deducted. I'll add it into the advice so you can see how that works, but it will work provider across both those accounts there for you. Yeah.\n\nBut if you're comfortable just signing and returning that one back for me, we can apply that to things, and then we just as the advice updates everything, we'll just update that agreement across the accounts there for you. I've also got attached there the ongoing the annual agreement documents that we've gone through. So it has your balance there with the summary. It's also got the portfolio reports. You're welcome to run your eyes over and let me know if you do have any questions there.\n\nAnd I've also got the financial services guide, which we send out regularly to you as well, just updating all the information on who I am, all about us here at iView as well. So feel free to run your eyes over those documents. If you do find us any questions in relation to them. Please come back and let me know. And, yeah, I'll get working on this research there for you.\n\nOkay? Excellent. Oh, thank you so much. No. You did very well.\n\nYep. Beautiful. Fantastic. Well, I will let you go to enjoy your day. Enjoy the rest of your week.\n\nHopefully, it's nice and sunny out there. Fantastic. Excellent. Well, I'll get cracking on this reset, and I'll talk to you on the seventeenth at 9AM to go through the advice document. Thank you, Catherine.\n\nEnjoy your day. Appreciate your time. Thanks. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Catherine.","start":2.96,"end":3.6799998,"sentiment":"neutral","sentiment_score":0.14971213787794113},{"text":"It's Dana from Oakview.","start":3.6799998,"end":4.7999997,"sentiment":"neutral","sentiment_score":0.18246836215257645},{"text":"How are you?","start":4.7999997,"end":5.7,"sentiment":"neutral","sentiment_score":0.21441852549711862},{"text":"I'm very well.","start":7.52,"end":8.48,"sentiment":"positive","sentiment_score":0.5552184383074442},{"text":"Thank you.","start":8.48,"end":8.96,"sentiment":"positive","sentiment_score":0.6879595518112183}],"sentiment":"positive","sentiment_score":0.33672340852873667,"num_words":14,"start":2.96,"end":8.96},{"sentences":[{"text":"So Maddie just let me know that you called in a bit earlier, and my last call, unfortunately, hasn't answered.","start":8.96,"end":14.224999,"sentiment":"neutral","sentiment_score":-0.0003586803562939167},{"text":"So if you want to, I can give you a call now, and we can kinda go through things and start your review.","start":14.224999,"end":18.224998,"sentiment":"neutral","sentiment_score":0.07547036501700463},{"text":"Does that sound okay?","start":18.224998,"end":19.285,"sentiment":"neutral","sentiment_score":0.047181667760014534},{"text":"Oh, I'm so sorry.","start":22.224998,"end":23.685,"sentiment":"neutral","sentiment_score":-0.10719617083668709},{"text":"Oh, I love that.","start":28.91,"end":29.970001,"sentiment":"neutral","sentiment_score":0.21299665048718452}],"sentiment":"neutral","sentiment_score":0.04255587959831411,"num_words":55,"start":8.96,"end":29.970001},{"sentences":[{"text":"Oh, fantastic.","start":30.51,"end":31.49,"sentiment":"positive","sentiment_score":0.511024534702301},{"text":"Well, let's jump into everything.","start":31.71,"end":33.25,"sentiment":"neutral","sentiment_score":0.2116142600774765},{"text":"Catherine, just before we do jump into the call, just to let you know we do record our calls for quality and training purposes.","start":33.31,"end":38.21,"sentiment":"neutral","sentiment_score":0.11306008510291576},{"text":"Are you happy for me to proceed with that?","start":38.35,"end":40.53,"sentiment":"neutral","sentiment_score":0.15618416253063414},{"text":"Fantastic.","start":42.085,"end":42.585,"sentiment":"positive","sentiment_score":0.47256535291671753}],"sentiment":"neutral","sentiment_score":0.16272646897449727,"num_words":41,"start":30.51,"end":42.585},{"sentences":[{"text":"And I not quite.","start":42.644997,"end":45.785,"sentiment":"neutral","sentiment_score":0.1063967663794756},{"text":"Not quite.","start":45.844997,"end":46.484997,"sentiment":"neutral","sentiment_score":-0.1456485539674759},{"text":"I still do a lot of things manually, believe it or not.","start":46.484997,"end":48.905,"sentiment":"neutral","sentiment_score":-0.021811070541540783},{"text":"All good.","start":51.364998,"end":52.004997,"sentiment":"neutral","sentiment_score":0.24805264174938202},{"text":"And just to double check the security with you as well, I'll just get you to confirm your full name, your date of birth, and address I should have on file there.","start":52.004997,"end":59.379997,"sentiment":"neutral","sentiment_score":0.10920908697880805}],"sentiment":"neutral","sentiment_score":0.0742952534212516,"num_words":52,"start":42.644997,"end":59.379997},{"sentences":[{"text":"Yep.","start":62.879997,"end":63.379997,"sentiment":"neutral","sentiment_score":0.012404777109622955},{"text":"Beautiful.","start":65.04,"end":65.54,"sentiment":"positive","sentiment_score":0.5196868181228638},{"text":"Thank you so much for that.","start":65.84,"end":67.545,"sentiment":"positive","sentiment_score":0.636776477098465},{"text":"So, firstly, just to sort of jump into I know as per your email, you wanted to have a bit of a chat about moving into pension phase and drawing down a bit of income there for you.","start":67.945,"end":76.125,"sentiment":"neutral","sentiment_score":0.13511339124096067},{"text":"Last year, we did talk about looking at the TTR side of things.","start":77.384995,"end":81.51,"sentiment":"neutral","sentiment_score":0.05331469069306667}],"sentiment":"neutral","sentiment_score":0.1725449204066042,"num_words":59,"start":62.879997,"end":81.51},{"sentences":[{"text":"This year, are you wanting to sort of look at maybe moving into full pension, having access and drawing down as much income as you need?","start":81.65,"end":88.61,"sentiment":"neutral","sentiment_score":0.08789301506028725},{"text":"What's your sort of thoughts around that?","start":88.61,"end":90.47,"sentiment":"neutral","sentiment_score":0.017641552590898106},{"text":"Yep.","start":92.625,"end":93.125,"sentiment":"neutral","sentiment_score":0.06397369503974915},{"text":"Yeah.","start":102.065,"end":102.565,"sentiment":"neutral","sentiment_score":0.04794991388916969},{"text":"Yes.","start":102.625,"end":103.125,"sentiment":"neutral","sentiment_score":0.10381178557872772}],"sentiment":"neutral","sentiment_score":0.07290124039476116,"num_words":36,"start":81.65,"end":103.125},{"sentences":[{"text":"Yeah.","start":109.76,"end":110.26,"sentiment":"neutral","sentiment_score":0.12297923862934113},{"text":"Yep.","start":118.015,"end":118.515,"sentiment":"neutral","sentiment_score":0.19336646795272827},{"text":"Yep.","start":121.455,"end":121.955,"sentiment":"neutral","sentiment_score":0.255266010761261},{"text":"Yep.","start":128.095,"end":128.595,"sentiment":"neutral","sentiment_score":0.27361902594566345},{"text":"Yeah.","start":136.59,"end":137.09,"sentiment":"neutral","sentiment_score":0.22261665761470795}],"sentiment":"neutral","sentiment_score":0.21356948018074035,"num_words":5,"start":109.76,"end":137.09},{"sentences":[{"text":"Yeah.","start":141.085,"end":141.405,"sentiment":"neutral","sentiment_score":0.25253015756607056},{"text":"That's okay.","start":141.405,"end":142.205,"sentiment":"positive","sentiment_score":0.346650630235672},{"text":"Not a problem at all.","start":142.205,"end":143.585,"sentiment":"positive","sentiment_score":0.36083292961120605},{"text":"Last year, when we kinda touched base, you were estimating that income that you were earning from from the business and the trust at the moment was around about that 30 to $40,000 mark.","start":143.88501,"end":154.38,"sentiment":"neutral","sentiment_score":0.0632687623557799},{"text":"Is that still kind of where your the income side of things is coming from?","start":154.62001,"end":158.78,"sentiment":"neutral","sentiment_score":0.028587202727794647}],"sentiment":"neutral","sentiment_score":0.09350775486152423,"num_words":57,"start":141.085,"end":158.78},{"sentences":[{"text":"Is it about the same?","start":158.78,"end":160.0,"sentiment":"neutral","sentiment_score":0.017657115682959558},{"text":"Yep.","start":161.26001,"end":161.74,"sentiment":"neutral","sentiment_score":0.1498875916004181},{"text":"Okay.","start":161.74,"end":162.24,"sentiment":"neutral","sentiment_score":0.258855402469635},{"text":"Beautiful.","start":162.86,"end":163.36,"sentiment":"positive","sentiment_score":0.5781363844871521},{"text":"Would you say it's closest to, say, 30,000 or 40,000?","start":163.5,"end":166.48001,"sentiment":"neutral","sentiment_score":0.12571020647883416}],"sentiment":"neutral","sentiment_score":0.12957039009779692,"num_words":18,"start":158.78,"end":166.48001},{"sentences":[{"text":"Would you estimate it is new?","start":166.62001,"end":168.48001,"sentiment":"neutral","sentiment_score":0.0060586331722637015},{"text":"Okay.","start":172.85501,"end":173.35501,"sentiment":"neutral","sentiment_score":0.07224391400814056},{"text":"Yeah.","start":174.535,"end":175.035,"sentiment":"neutral","sentiment_score":0.1070501059293747},{"text":"That's okay.","start":175.175,"end":175.895,"sentiment":"neutral","sentiment_score":0.16467728465795517},{"text":"So 36,000.","start":175.895,"end":177.095,"sentiment":"neutral","sentiment_score":0.059203239157795906}],"sentiment":"neutral","sentiment_score":0.05528390555021664,"num_words":12,"start":166.62001,"end":177.095},{"sentences":[{"text":"So if we look at maybe because you are over 60 and not working anymore, moving into full pension phase, the benefits there are that moving from accumulation to pension is that there's no income tax and no CGT tax in pension phase.","start":177.095,"end":189.96,"sentiment":"neutral","sentiment_score":0.02108001622349717},{"text":"The money in pension phase is working harder for you.","start":189.96,"end":192.84001,"sentiment":"neutral","sentiment_score":-0.12620659172534943},{"text":"You do have to draw down a minimum amount every year based on the balance there, but we don't have to move everything in the pension phase.","start":192.84001,"end":199.755,"sentiment":"neutral","sentiment_score":0.04329479154613283},{"text":"You can leave the accumulation open with a smaller balance, and then we can be, you know, putting more money in that every year as you currently are.","start":199.755,"end":208.555,"sentiment":"positive","sentiment_score":0.3546966569764273},{"text":"So would that be something you're sort of open to?","start":208.555,"end":211.535,"sentiment":"neutral","sentiment_score":0.16520950421690941}],"sentiment":"neutral","sentiment_score":0.10505877618314856,"num_words":118,"start":177.095,"end":211.535},{"sentences":[{"text":"Yep.","start":211.62,"end":212.12,"sentiment":"neutral","sentiment_score":0.11719924211502077},{"text":"Yep.","start":217.6275,"end":218.1275,"sentiment":"neutral","sentiment_score":0.05596797913312912},{"text":"Well, we'd essentially just wanna move as much as we possibly can.","start":224.11499,"end":227.075,"sentiment":"neutral","sentiment_score":0.12860871975620589},{"text":"So when we look at doing this, we try to move in, essentially, like, a 100,000, a 150,000, just leaving a minimum amount in the accumulation phase.","start":227.075,"end":237.17499,"sentiment":"neutral","sentiment_score":0.14112202271267218},{"text":"We can roll back every year into accumulation and keep refreshing your pension.","start":237.29001,"end":241.77,"sentiment":"neutral","sentiment_score":0.3059100783788241}],"sentiment":"neutral","sentiment_score":0.17599254612017562,"num_words":54,"start":211.62,"end":241.77},{"sentences":[{"text":"It's not a problem at all.","start":241.77,"end":243.29001,"sentiment":"positive","sentiment_score":0.44543280204137164},{"text":"It's just about putting as much you're right.","start":243.29001,"end":246.43001,"sentiment":"neutral","sentiment_score":0.22483976744115353},{"text":"Sorry, Catherine.","start":253.38501,"end":254.10501,"sentiment":"neutral","sentiment_score":-0.0892859399318695},{"text":"This phone just cut out.","start":254.10501,"end":254.905,"sentiment":"neutral","sentiment_score":-0.21059820353984832},{"text":"Can you repeat that for me?","start":254.905,"end":256.365,"sentiment":"neutral","sentiment_score":-0.07015237025916576}],"sentiment":"neutral","sentiment_score":0.10440140120961049,"num_words":27,"start":241.77,"end":256.365},{"sentences":[{"text":"Yes.","start":260.585,"end":261.085,"sentiment":"neutral","sentiment_score":0.053365666419267654},{"text":"Yeah.","start":262.68,"end":263.18,"sentiment":"neutral","sentiment_score":0.06671267747879028},{"text":"Absolutely.","start":263.72,"end":264.22,"sentiment":"positive","sentiment_score":0.3382100760936737},{"text":"Absolutely.","start":264.75998,"end":265.25998,"sentiment":"positive","sentiment_score":0.3904823064804077},{"text":"It's act yeah.","start":265.63998,"end":267.63998,"sentiment":"neutral","sentiment_score":0.2234191745519638}],"sentiment":"neutral","sentiment_score":0.21700403573257582,"num_words":7,"start":260.585,"end":267.63998},{"sentences":[{"text":"It actually works out a lot more in your favor because when you move into pension phase, as I mentioned before, there's no income tax or CGT consequences.","start":267.63998,"end":275.09998,"sentiment":"positive","sentiment_score":0.3855629526078701},{"text":"You don't pay taxes or tax free environment.","start":275.675,"end":278.015,"sentiment":"neutral","sentiment_score":0.23131570033729076},{"text":"So moving as much money as possible into that pension phase there means that you still have your money invested in a portfolio.","start":278.155,"end":284.655,"sentiment":"positive","sentiment_score":0.4481355573820031},{"text":"There's the income and the capital gains that are being generated inside pension phase are not being taxed any longer, so you end up with more money.","start":285.595,"end":293.81,"sentiment":"positive","sentiment_score":0.46184395088089836},{"text":"It does kinda work out better for you to have more money in that pension phase, whereas money sitting in the super in accumulation phase as it is at the moment is subject to income tax and CDT tax.","start":293.81,"end":304.995,"sentiment":"neutral","sentiment_score":0.13328938379597205}],"sentiment":"neutral","sentiment_score":0.3249718298986554,"num_words":125,"start":267.63998,"end":304.995},{"sentences":[{"text":"So moving as much in the pension phase is absolutely preferable.","start":304.995,"end":309.335,"sentiment":"neutral","sentiment_score":0.23963692513379184},{"text":"There are rules around how much you can take.","start":310.275,"end":312.835,"sentiment":"neutral","sentiment_score":0.04849984496831894},{"text":"So you do have a minimum based on your age of about 4% that you would have to take of the balance.","start":312.835,"end":318.44,"sentiment":"neutral","sentiment_score":0.04226913726465269},{"text":"So if we moved over, say, a 150,000 in the pension phase for the year, you have to take a minimum of 4% balance.","start":318.44,"end":325.74,"sentiment":"neutral","sentiment_score":0.06515874139343698},{"text":"But you have full access.","start":327.08,"end":328.36,"sentiment":"neutral","sentiment_score":0.10961741656064987}],"sentiment":"neutral","sentiment_score":0.0861172208064039,"num_words":71,"start":304.995,"end":328.36},{"sentences":[{"text":"Because you're fully retired, you have full access.","start":328.36,"end":330.795,"sentiment":"positive","sentiment_score":0.4443355053663254},{"text":"If you need extra funds drawn down, that can be accounted for, and you can draw down as much of the balance as you need to in that year.","start":330.95502,"end":338.95502,"sentiment":"neutral","sentiment_score":0.3065004826619707},{"text":"So there's no restrictions on yeah.","start":338.95502,"end":342.345,"sentiment":"neutral","sentiment_score":0.1053997656951348},{"text":"Yeah.","start":344.73,"end":345.05,"sentiment":"neutral","sentiment_score":-0.10426878929138184},{"text":"You're right.","start":345.05,"end":345.87,"sentiment":"negative","sentiment_score":-0.45356240868568426}],"sentiment":"neutral","sentiment_score":0.2622652832094742,"num_words":46,"start":328.36,"end":345.87},{"sentences":[{"text":"Yep.","start":350.73,"end":351.05,"sentiment":"neutral","sentiment_score":0.09170036017894743},{"text":"So I've got the balance here for you.","start":351.05,"end":353.15,"sentiment":"neutral","sentiment_score":0.18170571234077215},{"text":"I'll just pull it up for you one quick.","start":354.01,"end":355.845,"sentiment":"neutral","sentiment_score":0.157546223865615},{"text":"Sorry.","start":355.925,"end":356.425,"sentiment":"neutral","sentiment_score":-0.015002965927124023},{"text":"So the balance in the account as of yesterday's date is 271,146 and 65¢.","start":356.885,"end":364.585,"sentiment":"neutral","sentiment_score":0.06839129672600673}],"sentiment":"neutral","sentiment_score":0.11991706141270697,"num_words":33,"start":350.73,"end":364.585},{"sentences":[{"text":"Yep.","start":375.69998,"end":376.19998,"sentiment":"neutral","sentiment_score":0.14284679293632507},{"text":"250,000.","start":388.515,"end":389.955,"sentiment":"neutral","sentiment_score":0.02480190619826317},{"text":"We're looking at $12,500.","start":389.955,"end":392.615,"sentiment":"neutral","sentiment_score":0.06728734634816647},{"text":"Mhmm.","start":401.57,"end":401.73,"sentiment":"neutral","sentiment_score":0.018327204510569572},{"text":"Oh, that's just for the year.","start":401.73,"end":403.25,"sentiment":"neutral","sentiment_score":0.03636659619708856}],"sentiment":"neutral","sentiment_score":0.05179422047848885,"num_words":13,"start":375.69998,"end":403.25},{"sentences":[{"text":"So you have had to have drawn that that 12,000 by the end of net by the end of the financial year.","start":403.25,"end":409.49503,"sentiment":"neutral","sentiment_score":0.05649445730854164},{"text":"And if you don't yeah.","start":410.915,"end":412.83502,"sentiment":"neutral","sentiment_score":-0.022641193494200705},{"text":"Sorry.","start":412.83502,"end":413.33502,"sentiment":"neutral","sentiment_score":-0.02890622429549694},{"text":"Yeah.","start":415.635,"end":416.135,"sentiment":"neutral","sentiment_score":0.042724914848804474},{"text":"Okay.","start":438.70502,"end":439.20502,"sentiment":"neutral","sentiment_score":0.13568958640098572}],"sentiment":"neutral","sentiment_score":0.04263934567570686,"num_words":30,"start":403.25,"end":439.20502},{"sentences":[{"text":"Yep.","start":440.30502,"end":440.80502,"sentiment":"neutral","sentiment_score":0.16676795482635498},{"text":"Yep.","start":441.02502,"end":441.42502,"sentiment":"neutral","sentiment_score":0.22527775168418884},{"text":"That's okay.","start":441.42502,"end":442.165,"sentiment":"neutral","sentiment_score":0.2343224138021469},{"text":"Are you wanting to have yeah.","start":442.785,"end":445.02002,"sentiment":"neutral","sentiment_score":0.044800259793798126},{"text":"So you're wanting to have this updated and be in pension phase by the end of this financial year so you can take that minimum drawdown?","start":445.02002,"end":453.2,"sentiment":"neutral","sentiment_score":0.04165095671151693}],"sentiment":"neutral","sentiment_score":0.06145602687158518,"num_words":36,"start":440.30502,"end":453.2},{"sentences":[{"text":"Yeah.","start":455.1,"end":455.34,"sentiment":"neutral","sentiment_score":0.1940477043390274},{"text":"That's okay.","start":455.34,"end":455.9,"sentiment":"positive","sentiment_score":0.43396157026290894},{"text":"We can do the research.","start":455.9,"end":456.94,"sentiment":"positive","sentiment_score":0.3821971297264099},{"text":"I'll escalate the plan, and we'll do the research and get you booked in for probably two weeks.","start":456.94,"end":461.33502,"sentiment":"positive","sentiment_score":0.3395448699593544},{"text":"That'll be sort of from the week of the fifteenth, and that'll still give us a week before the end of the financial year, and we can move into pension phase fairly quickly for you.","start":461.795,"end":470.755,"sentiment":"neutral","sentiment_score":0.29701230440820964}],"sentiment":"neutral","sentiment_score":0.3193474558533215,"num_words":61,"start":455.1,"end":470.755},{"sentences":[{"text":"Okay?","start":470.755,"end":471.255,"sentiment":"neutral","sentiment_score":0.13818371295928955},{"text":"Yeah.","start":475.97,"end":476.47,"sentiment":"neutral","sentiment_score":0.020230460911989212},{"text":"Sure.","start":477.33,"end":477.83,"sentiment":"neutral","sentiment_score":0.20878741145133972},{"text":"Yes.","start":481.16998,"end":481.66998,"sentiment":"neutral","sentiment_score":0.1774809956550598},{"text":"Mhmm.","start":488.385,"end":488.885,"sentiment":"neutral","sentiment_score":0.044024594128131866}],"sentiment":"neutral","sentiment_score":0.11774143502116204,"num_words":5,"start":470.755,"end":488.885},{"sentences":[{"text":"Yep.","start":493.98502,"end":494.46503,"sentiment":"neutral","sentiment_score":0.12475723028182983},{"text":"Call it accumulation.","start":494.46503,"end":495.445,"sentiment":"neutral","sentiment_score":0.06634637837608655},{"text":"It's a it's a way you're accumulating wealth just to make it easier for you.","start":495.905,"end":500.52002,"sentiment":"neutral","sentiment_score":0.18717647691567738},{"text":"Yeah.","start":500.52002,"end":501.02002,"sentiment":"neutral","sentiment_score":0.1431991457939148},{"text":"You alright?","start":503.56,"end":504.22,"sentiment":"neutral","sentiment_score":0.059754153713583946}],"sentiment":"neutral","sentiment_score":0.15427958965301514,"num_words":22,"start":493.98502,"end":504.22},{"sentences":[{"text":"Yeah.","start":511.095,"end":511.57498,"sentiment":"neutral","sentiment_score":0.1042204648256302},{"text":"Yep.","start":511.57498,"end":512.07495,"sentiment":"neutral","sentiment_score":0.14030876755714417},{"text":"Yeah.","start":519.255,"end":519.65497,"sentiment":"neutral","sentiment_score":0.19438740611076355},{"text":"Absolutely.","start":519.65497,"end":520.15497,"sentiment":"neutral","sentiment_score":0.25031188130378723},{"text":"Yep.","start":527.11,"end":527.61,"sentiment":"neutral","sentiment_score":0.14460431039333344}],"sentiment":"neutral","sentiment_score":0.16676656603813172,"num_words":5,"start":511.095,"end":527.61},{"sentences":[{"text":"That's right.","start":528.23,"end":529.03,"sentiment":"neutral","sentiment_score":0.2486146092414856},{"text":"Yeah.","start":529.03,"end":529.53,"sentiment":"neutral","sentiment_score":0.19550761580467224},{"text":"Yeah.","start":540.965,"end":541.465,"sentiment":"neutral","sentiment_score":0.1455666422843933},{"text":"Yes.","start":542.72504,"end":543.22504,"sentiment":"neutral","sentiment_score":0.10892031341791152},{"text":"That's right.","start":549.22,"end":550.04,"sentiment":"neutral","sentiment_score":0.1258729323744774}],"sentiment":"neutral","sentiment_score":0.17128137924841472,"num_words":7,"start":528.23,"end":550.04},{"sentences":[{"text":"Yeah.","start":550.1,"end":550.6,"sentiment":"neutral","sentiment_score":0.15300588309764862},{"text":"Yeah.","start":551.77997,"end":552.1,"sentiment":"neutral","sentiment_score":0.1369931995868683},{"text":"So I think think of a think of slippers, like, key.","start":552.1,"end":555.39996,"sentiment":"neutral","sentiment_score":0.12740638885985722},{"text":"Yeah.","start":555.45996,"end":555.95996,"sentiment":"neutral","sentiment_score":0.11733704060316086},{"text":"Yeah.","start":559.235,"end":559.735,"sentiment":"neutral","sentiment_score":0.11356828361749648}],"sentiment":"neutral","sentiment_score":0.1281583122909069,"num_words":15,"start":550.1,"end":559.735},{"sentences":[{"text":"Yeah.","start":563.15497,"end":563.65497,"sentiment":"neutral","sentiment_score":-0.005109557881951332},{"text":"Yep.","start":566.915,"end":567.415,"sentiment":"neutral","sentiment_score":0.0002422740653855726},{"text":"Yep.","start":577.73,"end":577.81,"sentiment":"neutral","sentiment_score":0.1699211448431015},{"text":"Yep.","start":577.81,"end":578.05,"sentiment":"neutral","sentiment_score":0.197659969329834},{"text":"Absolutely.","start":578.05,"end":578.55,"sentiment":"positive","sentiment_score":0.3424072861671448}],"sentiment":"neutral","sentiment_score":0.1410242233047029,"num_words":5,"start":563.15497,"end":578.55},{"sentences":[{"text":"So when you're in full pension phase, there's no maximum on how much you can draw down.","start":579.01,"end":584.63,"sentiment":"neutral","sentiment_score":0.055691455326536125},{"text":"So the difference with what we were talking about last year, we were talking about the transition retirement sort of strategies.","start":584.815,"end":590.67505,"sentiment":"neutral","sentiment_score":0.06739971467426845},{"text":"With a TTR account, you're you're only allowed to draw down a maximum of 10% for the year for the financial year.","start":591.135,"end":598.59503,"sentiment":"neutral","sentiment_score":0.08781344003298065},{"text":"So this way, with what we're talking about now, you have full access to that money.","start":598.92,"end":602.76,"sentiment":"positive","sentiment_score":0.5922030080109835},{"text":"If you decide you wanna take all of it out and you wanna go on a nice big holiday around the world, you can absolutely do that.","start":602.76,"end":609.32,"sentiment":"positive","sentiment_score":0.7212932794182388}],"sentiment":"neutral","sentiment_score":0.32275933108645155,"num_words":103,"start":579.01,"end":609.32},{"sentences":[{"text":"There is no restriction on how much you can take down as a maximum.","start":609.32,"end":612.77997,"sentiment":"neutral","sentiment_score":0.20293661153742246},{"text":"It's just the minimum restrictions.","start":613.23505,"end":614.835,"sentiment":"neutral","sentiment_score":0.1900522917509079},{"text":"And as you get older, those minimum restrictions increase.","start":614.835,"end":618.375,"sentiment":"neutral","sentiment_score":0.04825784059034453},{"text":"So the older you get, the more they want you to draw out a super, if that makes sense.","start":618.515,"end":622.695,"sentiment":"neutral","sentiment_score":0.13043999024911931},{"text":"Yep.","start":629.32996,"end":629.82996,"sentiment":"neutral","sentiment_score":0.15349960327148438}],"sentiment":"neutral","sentiment_score":0.14286570840825638,"num_words":48,"start":609.32,"end":629.82996},{"sentences":[{"text":"Yeah.","start":633.32996,"end":633.81,"sentiment":"neutral","sentiment_score":0.0897788256406784},{"text":"Correct.","start":633.81,"end":634.31,"sentiment":"neutral","sentiment_score":0.1254421025514603},{"text":"Yep.","start":636.05,"end":636.55,"sentiment":"neutral","sentiment_score":0.10381203889846802},{"text":"That's correct.","start":641.265,"end":642.165,"sentiment":"neutral","sentiment_score":0.2171390950679779},{"text":"Yes.","start":647.745,"end":648.245,"sentiment":"neutral","sentiment_score":0.0471930131316185}],"sentiment":"neutral","sentiment_score":0.1334173617263635,"num_words":6,"start":633.32996,"end":648.245},{"sentences":[{"text":"So so long as you are retired at the time that we move you independent phase, it doesn't matter.","start":655.68,"end":661.84,"sentiment":"neutral","sentiment_score":0.149591221621162},{"text":"There's no restriction that says you can't then take on work later on or go back to work in any way, shape, or form so long as when we complete the declaration, you confirm that you are you are not working, you are over 60, and you were retired for the purpose of accessing super.","start":661.84,"end":675.935,"sentiment":"neutral","sentiment_score":0.07258478023789146},{"text":"You can decide to go back to work a day later, a week later.","start":676.58,"end":679.46,"sentiment":"neutral","sentiment_score":0.18229737132787704},{"text":"It doesn't really matter.","start":679.46,"end":680.66003,"sentiment":"neutral","sentiment_score":0.22911571338772774},{"text":"It's just yeah.","start":680.66003,"end":682.02,"sentiment":"neutral","sentiment_score":0.21861999730269113}],"sentiment":"neutral","sentiment_score":0.1153566543993197,"num_words":95,"start":655.68,"end":682.02},{"sentences":[{"text":"You've you've met that requirement to move into pension phase.","start":682.02,"end":685.16003,"sentiment":"neutral","sentiment_score":0.03695268575102091},{"text":"Yeah.","start":685.30005,"end":685.80005,"sentiment":"neutral","sentiment_score":0.0048719304613769054},{"text":"That's okay.","start":689.235,"end":690.13495,"sentiment":"neutral","sentiment_score":0.1700499951839447},{"text":"Yeah.","start":694.355,"end":694.855,"sentiment":"neutral","sentiment_score":0.1401544064283371},{"text":"Oh, fantastic.","start":697.71497,"end":698.615,"sentiment":"positive","sentiment_score":0.6336866617202759}],"sentiment":"neutral","sentiment_score":0.13262665676302277,"num_words":16,"start":682.02,"end":698.615},{"sentences":[{"text":"The way I sort of like to look at the soup in the pension, because it does get a little bit confusing, is accumulating is just building wealth, and you are taxed when you're building that wealth.","start":698.75494,"end":708.27997,"sentiment":"neutral","sentiment_score":0.11971269507665892},{"text":"Pension is when you're taking money out, and it's a tax free environment if that helps a little 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question.","start":733.18,"end":734.86,"sentiment":"neutral","sentiment_score":-0.038291103672236204},{"text":"If you if it's something that's eating you away and you want it answered, you let me know, and I'll happily answer that question for you.","start":734.86,"end":740.86,"sentiment":"neutral","sentiment_score":0.05218911930345572},{"text":"Okay?","start":740.86,"end":741.36,"sentiment":"neutral","sentiment_score":0.13011978566646576}],"sentiment":"neutral","sentiment_score":0.10760160245829159,"num_words":54,"start":728.94,"end":741.36},{"sentences":[{"text":"Excellent.","start":742.875,"end":743.375,"sentiment":"neutral","sentiment_score":0.23527148365974423},{"text":"Yeah.","start":745.995,"end":746.39496,"sentiment":"neutral","sentiment_score":0.08610030263662338},{"text":"Definitely.","start":746.39496,"end":746.89496,"sentiment":"neutral","sentiment_score":0.12513624131679535},{"text":"So I have sent you through an annual review pack, which you're welcome to have a look at when you've got access to your Internet there.","start":747.27496,"end":752.475,"sentiment":"neutral","sentiment_score":0.10837469364588077},{"text":"I know you said it has been a bit patchy over the past couple of weeks.","start":752.475,"end":755.855,"sentiment":"neutral","sentiment_score":-0.07925612479448318}],"sentiment":"neutral","sentiment_score":0.04435893479320738,"num_words":45,"start":742.875,"end":755.855},{"sentences":[{"text":"You've got it?","start":756.315,"end":757.295,"sentiment":"neutral","sentiment_score":-0.0072412506366769476},{"text":"Excellent.","start":758.4,"end":758.9,"sentiment":"positive","sentiment_score":0.3486260771751404},{"text":"Fantastic.","start":761.36,"end":761.86,"sentiment":"neutral","sentiment_score":0.3130778670310974},{"text":"And you've been traveling quite a 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you're seeing a lot of the country at the same time.","start":810.20996,"end":812.70996,"sentiment":"neutral","sentiment_score":0.262524268279473},{"text":"Yeah.","start":814.13,"end":814.63,"sentiment":"neutral","sentiment_score":0.1376141756772995},{"text":"Yes.","start":823.985,"end":824.485,"sentiment":"neutral","sentiment_score":0.2144106328487396},{"text":"Yeah.","start":833.68,"end":834.18,"sentiment":"neutral","sentiment_score":0.019797049462795258},{"text":"Yeah.","start":837.60004,"end":837.68,"sentiment":"neutral","sentiment_score":0.08983021974563599}],"sentiment":"neutral","sentiment_score":0.22574645606800914,"num_words":16,"start":810.20996,"end":837.68},{"sentences":[{"text":"Yeah.","start":837.68,"end":838.18,"sentiment":"neutral","sentiment_score":0.1040259599685669},{"text":"Oh, that's fantastic.","start":838.8,"end":839.86,"sentiment":"positive","sentiment_score":0.5075535774230957},{"text":"No.","start":840.16003,"end":840.4,"sentiment":"neutral","sentiment_score":0.29424673318862915},{"text":"That's excellent.","start":840.4,"end":841.22003,"sentiment":"positive","sentiment_score":0.5298630893230438},{"text":"It it honestly, you are living my dream.","start":841.28,"end":843.2,"sentiment":"positive","sentiment_score":0.6274794340133667}],"sentiment":"positive","sentiment_score":0.533366338411967,"num_words":15,"start":837.68,"end":843.2},{"sentences":[{"text":"That is exactly how my retirement today, just to travel and go everywhere, see everywhere, wake up one morning and go, I wanna go here today and just go there.","start":843.2,"end":850.905,"sentiment":"positive","sentiment_score":0.530837881565094},{"text":"That is exactly what I want my retirement to look like.","start":850.905,"end":853.465,"sentiment":"positive","sentiment_score":0.5268449187278748},{"text":"So you are living the dream in my book.","start":853.465,"end":855.645,"sentiment":"neutral","sentiment_score":0.29092388682895237},{"text":"Yes.","start":861.75,"end":861.99,"sentiment":"neutral","sentiment_score":-0.029776033014059067},{"text":"Yes.","start":861.99,"end":862.49,"sentiment":"neutral","sentiment_score":-0.030220430344343185}],"sentiment":"positive","sentiment_score":0.4668990205973387,"num_words":52,"start":843.2,"end":862.49},{"sentences":[{"text":"You need a bit of a man cave or a lady cave to kinda give you some separation.","start":866.14996,"end":869.93,"sentiment":"neutral","sentiment_score":-0.039446440835793815},{"text":"Oh, no.","start":872.95496,"end":873.535,"sentiment":"neutral","sentiment_score":0.09757858142256737},{"text":"That's beautiful, honestly.","start":873.595,"end":875.295,"sentiment":"positive","sentiment_score":0.3341258205473423},{"text":"I'm glad you're having such a great time.","start":875.595,"end":877.675,"sentiment":"positive","sentiment_score":0.871351458132267},{"text":"And the house, your what was your main primary residence?","start":877.675,"end":881.035,"sentiment":"neutral","sentiment_score":0.15872451141476632}],"sentiment":"neutral","sentiment_score":0.22062330411338224,"num_words":41,"start":866.14996,"end":881.035},{"sentences":[{"text":"That was all being rented out to a charity that's all still working fine for you?","start":881.035,"end":885.295,"sentiment":"neutral","sentiment_score":0.1555500626564026},{"text":"Yep.","start":885.87,"end":886.37,"sentiment":"neutral","sentiment_score":0.2231137603521347},{"text":"Okay.","start":893.07,"end":893.57,"sentiment":"neutral","sentiment_score":-0.02351454459130764},{"text":"Yeah.","start":896.67,"end":897.17,"sentiment":"neutral","sentiment_score":0.007936576381325722},{"text":"No.","start":897.47003,"end":897.71,"sentiment":"neutral","sentiment_score":-0.00996810756623745}],"sentiment":"neutral","sentiment_score":0.13431843435391783,"num_words":20,"start":881.035,"end":897.71},{"sentences":[{"text":"That's okay.","start":897.71,"end":898.61,"sentiment":"neutral","sentiment_score":0.05484544672071934},{"text":"When we look at the the drawdown from super, so we'll look at with keeping money in that accumulation phase, you wanna still be making that yearly contribution.","start":899.145,"end":908.92505,"sentiment":"neutral","sentiment_score":0.06454342776643378},{"text":"Are you gonna be making the full 30,000 to your super account each year, or will it only be a smaller amount like you have done this year?","start":909.065,"end":916.0,"sentiment":"neutral","sentiment_score":0.057333091140857766},{"text":"What's your sort of plan with the super side of things with the contribution?","start":916.0,"end":919.13995,"sentiment":"neutral","sentiment_score":0.03016181037362133},{"text":"Yep.","start":924.735,"end":925.235,"sentiment":"neutral","sentiment_score":0.059463005512952805}],"sentiment":"neutral","sentiment_score":0.054848791419030866,"num_words":73,"start":897.71,"end":925.235},{"sentences":[{"text":"Yep.","start":942.19,"end":942.69,"sentiment":"neutral","sentiment_score":0.028952818363904953},{"text":"Okay.","start":949.245,"end":949.72504,"sentiment":"neutral","sentiment_score":0.0741078108549118},{"text":"Perfect.","start":949.72504,"end":950.22504,"sentiment":"neutral","sentiment_score":0.2502031922340393},{"text":"Because the contributions cap for this year was 30,000.","start":950.60504,"end":953.805,"sentiment":"neutral","sentiment_score":0.1428874433040619},{"text":"The contributions cap for next financial year does go up to 32,500, so that'll be the maximum that we can put in there.","start":953.805,"end":960.705,"sentiment":"neutral","sentiment_score":0.0822520179916983}],"sentiment":"neutral","sentiment_score":0.10088706357138498,"num_words":35,"start":942.19,"end":960.705},{"sentences":[{"text":"But I I can yeah.","start":961.48505,"end":963.71,"sentiment":"neutral","sentiment_score":0.2019354909658432},{"text":"That's okay.","start":963.71,"end":964.55005,"sentiment":"neutral","sentiment_score":0.20943298190832138},{"text":"If you like, I can just as part of the advice document, factor in each month you're putting in $2,000 as a deductible contribution, and then we claim that at the end of the year for you.","start":964.55005,"end":975.07,"sentiment":"neutral","sentiment_score":0.15345354740684097},{"text":"Does that sound like a comfort level?","start":975.07,"end":977.57,"sentiment":"neutral","sentiment_score":0.06117364817431995},{"text":"Perfect.","start":979.245,"end":979.745,"sentiment":"positive","sentiment_score":0.4099971652030945}],"sentiment":"neutral","sentiment_score":0.15277956490619823,"num_words":52,"start":961.48505,"end":979.745},{"sentences":[{"text":"Comfort level just so we're looking at how that affects your super and longevity wise.","start":979.88495,"end":984.46497,"sentiment":"neutral","sentiment_score":0.1438663030664126},{"text":"And then you'll need to draw do you wanna draw that 36,000?","start":985.32495,"end":989.165,"sentiment":"neutral","sentiment_score":0.03155753885706266},{"text":"So we'll do those 4% this year, which is the 12,500 currently.","start":989.165,"end":993.26495,"sentiment":"neutral","sentiment_score":0.15226710525651774},{"text":"Did you wanna then draw 36,000 out of your pension account each year moving forward to cover the expenditure side of things, your your base living expenses?","start":994.51,"end":1004.93,"sentiment":"neutral","sentiment_score":0.16566421974588325},{"text":"Yep.","start":1010.685,"end":1011.185,"sentiment":"neutral","sentiment_score":0.19736957550048828}],"sentiment":"neutral","sentiment_score":0.1348387131940073,"num_words":67,"start":979.88495,"end":1011.185},{"sentences":[{"text":"That's okay.","start":1011.325,"end":1011.965,"sentiment":"neutral","sentiment_score":0.3003435432910919},{"text":"So it's, say, 3,000 per month.","start":1011.965,"end":1013.98505,"sentiment":"neutral","sentiment_score":0.20268162588278452},{"text":"Yep.","start":1014.92505,"end":1015.325,"sentiment":"positive","sentiment_score":0.40403661131858826},{"text":"Perfect.","start":1015.325,"end":1015.825,"sentiment":"positive","sentiment_score":0.6262980103492737},{"text":"No worries.","start":1015.885,"end":1016.365,"sentiment":"positive","sentiment_score":0.36113105714321136}],"sentiment":"neutral","sentiment_score":0.2974477981527646,"num_words":12,"start":1011.325,"end":1016.365},{"sentences":[{"text":"So just so I can factor into the advice and show you what that looks like, because, essentially, my advice will look like what showing you moving into pension phase, how we'll have the funds invested for you so as it's working, drawing the money down, looking at longevity, how long soup is expected to last for given this this current, you know, plan.","start":1016.365,"end":1034.885,"sentiment":"neutral","sentiment_score":0.23720803658943623},{"text":"And then also putting in that $2,000 as a deductible contribution on a monthly basis at the end of the year, claiming that for you and sort of showing you how that might affect you long term.","start":1035.505,"end":1046.3201,"sentiment":"neutral","sentiment_score":0.17137464357388987},{"text":"So I'll kind of make it a bit more comprehensive for you to give you an outline of the recommendations, but also where this sort of shows you moving to.","start":1046.3201,"end":1053.4401,"sentiment":"neutral","sentiment_score":0.14496422571440537},{"text":"Does that sound okay?","start":1053.4401,"end":1054.5,"sentiment":"neutral","sentiment_score":0.13260282576084137},{"text":"Yep.","start":1056.3201,"end":1056.8201,"sentiment":"neutral","sentiment_score":-0.04155991971492767}],"sentiment":"neutral","sentiment_score":0.19382319344645915,"num_words":136,"start":1016.365,"end":1056.8201},{"sentences":[{"text":"Yeah.","start":1062.655,"end":1063.155,"sentiment":"neutral","sentiment_score":-0.0296393521130085},{"text":"Okay.","start":1066.0951,"end":1066.5951,"sentiment":"neutral","sentiment_score":-0.12853948771953583},{"text":"Yes.","start":1076.4299,"end":1076.9299,"sentiment":"neutral","sentiment_score":0.022327736020088196},{"text":"Okay.","start":1093.085,"end":1093.585,"sentiment":"neutral","sentiment_score":-0.06954721361398697},{"text":"Yeah.","start":1096.15,"end":1096.65,"sentiment":"neutral","sentiment_score":0.019101789221167564}],"sentiment":"neutral","sentiment_score":-0.037259305641055104,"num_words":5,"start":1062.655,"end":1096.65},{"sentences":[{"text":"Yep.","start":1096.7101,"end":1097.2101,"sentiment":"neutral","sentiment_score":0.02015954628586769},{"text":"Yep.","start":1100.0701,"end":1100.5701,"sentiment":"neutral","sentiment_score":-0.0034066892694681883},{"text":"No.","start":1100.7101,"end":1101.03,"sentiment":"neutral","sentiment_score":-0.056491658091545105},{"text":"That's okay.","start":1101.03,"end":1101.8501,"sentiment":"neutral","sentiment_score":-0.02066453592851758},{"text":"Yeah.","start":1103.27,"end":1103.77,"sentiment":"neutral","sentiment_score":-0.007832059636712074}],"sentiment":"neutral","sentiment_score":-0.014816655428148806,"num_words":6,"start":1096.7101,"end":1103.77},{"sentences":[{"text":"Yep.","start":1108.325,"end":1108.825,"sentiment":"neutral","sentiment_score":0.08194265514612198},{"text":"Yep.","start":1109.125,"end":1109.5249,"sentiment":"neutral","sentiment_score":0.09388410300016405},{"text":"That's okay.","start":1109.5249,"end":1110.345,"sentiment":"neutral","sentiment_score":0.2778249680995941},{"text":"Yep.","start":1114.725,"end":1115.225,"sentiment":"neutral","sentiment_score":0.10164298117160796},{"text":"Yep.","start":1120.1799,"end":1120.6799,"sentiment":"neutral","sentiment_score":0.10686492174863815}],"sentiment":"neutral","sentiment_score":0.15666409954428673,"num_words":6,"start":1108.325,"end":1120.6799},{"sentences":[{"text":"Mhmm.","start":1126.1799,"end":1126.6799,"sentiment":"neutral","sentiment_score":0.05229346081614494},{"text":"Yeah.","start":1133.7949,"end":1134.035,"sentiment":"neutral","sentiment_score":0.29170727729797363},{"text":"Absolutely.","start":1134.035,"end":1134.535,"sentiment":"positive","sentiment_score":0.3627768158912658},{"text":"So with pension phase, you can we can roll back from pension phase into accumulation and back again and refresh those as often as we like.","start":1134.755,"end":1142.595,"sentiment":"neutral","sentiment_score":0.22289492705693612},{"text":"We've got some clients where we speak to them every year, and we roll them back into accumulation and do a bit of a refresh and roll more money into pension phase and kind of readjust the drawdowns for them.","start":1142.595,"end":1153.95,"sentiment":"neutral","sentiment_score":0.15935378428548574}],"sentiment":"neutral","sentiment_score":0.18661155114355293,"num_words":69,"start":1126.1799,"end":1153.95},{"sentences":[{"text":"So we can roll back and forth as often as you like.","start":1153.95,"end":1157.41,"sentiment":"neutral","sentiment_score":0.07313948528220256},{"text":"One of the big things about advice is very fluid.","start":1157.47,"end":1160.105,"sentiment":"neutral","sentiment_score":0.01284080408513546},{"text":"So it can change.","start":1160.245,"end":1161.365,"sentiment":"neutral","sentiment_score":-0.0063746352680027485},{"text":"We can alter the advice.","start":1161.365,"end":1162.825,"sentiment":"neutral","sentiment_score":0.004767357185482979},{"text":"And down the track because I know accessing yeah.","start":1163.445,"end":1167.545,"sentiment":"neutral","sentiment_score":0.008189564363823997}],"sentiment":"neutral","sentiment_score":0.02695315470919013,"num_words":40,"start":1153.95,"end":1167.545},{"sentences":[{"text":"And I noticed looking down the track when you do kinda hit the age of 67 and you're wanting to maybe look at age pension and eligibility for things like that, we can even look at ways of sheltering funds so that it's assessed lower or it might help the assessment for Centrelink.","start":1167.845,"end":1183.41,"sentiment":"neutral","sentiment_score":0.07798427371483929},{"text":"So there's other things that we can do down the track for you as 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cool.","start":1232.13,"end":1232.9501,"sentiment":"neutral","sentiment_score":-0.11263739317655563},{"text":"Yeah.","start":1235.8251,"end":1236.3251,"sentiment":"neutral","sentiment_score":-0.046048544347286224},{"text":"Yeah.","start":1238.7051,"end":1239.185,"sentiment":"neutral","sentiment_score":-0.105679452419281},{"text":"And that will be something that's yeah.","start":1239.185,"end":1242.0651,"sentiment":"neutral","sentiment_score":-0.08972896529095513}],"sentiment":"neutral","sentiment_score":-0.08096073226382335,"num_words":12,"start":1220.515,"end":1242.0651},{"sentences":[{"text":"That's a little bit outside of our scope because we can't advise on anything in another country due to the taxation consequences there, but I can look up general information for you.","start":1242.0651,"end":1251.91,"sentiment":"neutral","sentiment_score":-0.07417110027745366},{"text":"So I could even have a look when we get closer to the the age pension side of things depending on what the rules are then.","start":1251.91,"end":1258.25,"sentiment":"neutral","sentiment_score":-0.006679393709279024},{"text":"I can do some general information and look up some general information for you and see what we can find.","start":1258.39,"end":1264.455,"sentiment":"neutral","sentiment_score":0.030569020472466946},{"text":"But, yeah, we just have to scope out that New Zealand pension side of things for you at the moment.","start":1264.755,"end":1268.995,"sentiment":"neutral","sentiment_score":-0.0013750367797911167},{"text":"That's all.","start":1268.995,"end":1269.895,"sentiment":"neutral","sentiment_score":0.009431375656276941}],"sentiment":"neutral","sentiment_score":-0.019443970201537014,"num_words":100,"start":1242.0651,"end":1269.895},{"sentences":[{"text":"Yes.","start":1275.57,"end":1276.07,"sentiment":"neutral","sentiment_score":0.01904929056763649},{"text":"Yeah.","start":1280.21,"end":1280.71,"sentiment":"neutral","sentiment_score":0.022534646093845367},{"text":"Ask.","start":1284.13,"end":1284.63,"sentiment":"neutral","sentiment_score":0.009224713779985905},{"text":"Yeah.","start":1285.41,"end":1285.91,"sentiment":"neutral","sentiment_score":0.016579849645495415},{"text":"Yeah.","start":1286.625,"end":1287.125,"sentiment":"neutral","sentiment_score":0.02570796012878418}],"sentiment":"neutral","sentiment_score":0.018619292043149473,"num_words":5,"start":1275.57,"end":1287.125},{"sentences":[{"text":"Absolutely.","start":1290.385,"end":1290.885,"sentiment":"neutral","sentiment_score":0.09694452583789824},{"text":"Absolutely.","start":1295.345,"end":1295.845,"sentiment":"neutral","sentiment_score":0.011853938922286034},{"text":"Yeah.","start":1296.7051,"end":1297.185,"sentiment":"neutral","sentiment_score":0.028025710955262184},{"text":"No.","start":1297.185,"end":1297.345,"sentiment":"neutral","sentiment_score":-0.006370449438691139},{"text":"That's okay.","start":1297.345,"end":1298.165,"sentiment":"neutral","sentiment_score":0.11144659668207169}],"sentiment":"neutral","sentiment_score":0.05889115327348312,"num_words":6,"start":1290.385,"end":1298.165},{"sentences":[{"text":"If you like, I could also just do a bit of research and see what I can find from Centrelink, and I can send you just some general information via your email there if you like just to sort of show you what what I can find and might help you out with a bit of reading material.","start":1298.8099,"end":1310.83,"sentiment":"neutral","sentiment_score":0.11910692692316811},{"text":"Beautiful.","start":1313.535,"end":1314.035,"sentiment":"positive","sentiment_score":0.559919536113739},{"text":"Not a problem at all.","start":1314.175,"end":1315.295,"sentiment":"neutral","sentiment_score":0.23951505720615388},{"text":"If you do happen to call Centrelink, make sure you've got a spare kind of two hours available because sitting on hold with them is Wow.","start":1315.6951,"end":1334.64,"sentiment":"neutral","sentiment_score":0.09164348258995093},{"text":"Wow.","start":1334.64,"end":1335.14,"sentiment":"neutral","sentiment_score":0.02425483614206314}],"sentiment":"neutral","sentiment_score":0.12167782381504447,"num_words":91,"start":1298.8099,"end":1335.14},{"sentences":[{"text":"We don't get that here, unfortunately.","start":1335.2001,"end":1336.66,"sentiment":"neutral","sentiment_score":-0.2608816872040431},{"text":"It's a shame.","start":1336.8,"end":1337.62,"sentiment":"neutral","sentiment_score":-0.2122508535782496},{"text":"No.","start":1338.265,"end":1338.765,"sentiment":"neutral","sentiment_score":-0.10898703336715698},{"text":"Beautiful.","start":1341.545,"end":1342.045,"sentiment":"positive","sentiment_score":0.42962920665740967},{"text":"Yep.","start":1343.465,"end":1343.965,"sentiment":"neutral","sentiment_score":0.197815865278244}],"sentiment":"neutral","sentiment_score":-0.1402987204492092,"num_words":12,"start":1335.2001,"end":1343.965},{"sentences":[{"text":"Excellent.","start":1344.025,"end":1344.525,"sentiment":"positive","sentiment_score":0.4580997824668884},{"text":"So just going through and updating the asset side of things.","start":1347.705,"end":1350.7001,"sentiment":"neutral","sentiment_score":0.05242284133353017},{"text":"So you mentioned your main primary residence is now the investment property.","start":1350.7001,"end":1354.06,"sentiment":"neutral","sentiment_score":0.06699695686499278},{"text":"That's all being rented out fine.","start":1354.06,"end":1355.8401,"sentiment":"neutral","sentiment_score":0.1028624599178632},{"text":"Just updating the asset value of that property, you had about 750,000 last year.","start":1356.6201,"end":1361.9801,"sentiment":"neutral","sentiment_score":0.041271775561784}],"sentiment":"neutral","sentiment_score":0.06894759402017701,"num_words":44,"start":1344.025,"end":1361.9801},{"sentences":[{"text":"Would you keep that about the same, or would you kind of change or update that at all?","start":1361.9801,"end":1366.415,"sentiment":"neutral","sentiment_score":0.01744027973877059},{"text":"Yeah.","start":1371.1951,"end":1371.5951,"sentiment":"neutral","sentiment_score":0.02011135965585709},{"text":"It's up to you.","start":1371.5951,"end":1372.655,"sentiment":"neutral","sentiment_score":0.0255142068490386},{"text":"Yeah.","start":1376.41,"end":1376.7301,"sentiment":"neutral","sentiment_score":0.09684444218873978},{"text":"Perfect.","start":1376.7301,"end":1377.2301,"sentiment":"positive","sentiment_score":0.33500242233276367}],"sentiment":"neutral","sentiment_score":0.034717603474855425,"num_words":25,"start":1361.9801,"end":1377.2301},{"sentences":[{"text":"Excellent.","start":1377.53,"end":1378.03,"sentiment":"positive","sentiment_score":0.3379233181476593},{"text":"And that loan is still fully offset.","start":1378.0901,"end":1380.03,"sentiment":"neutral","sentiment_score":0.1636062807270459},{"text":"Okay.","start":1385.6101,"end":1386.0901,"sentiment":"neutral","sentiment_score":0.1203739196062088},{"text":"Lovely.","start":1386.0901,"end":1386.5701,"sentiment":"neutral","sentiment_score":0.1960621178150177},{"text":"And that's the property that's still owned in your name.","start":1386.5701,"end":1388.745,"sentiment":"neutral","sentiment_score":0.07430170848965645}],"sentiment":"neutral","sentiment_score":0.12713102027773857,"num_words":20,"start":1377.53,"end":1388.745},{"sentences":[{"text":"The other properties are all owned in that trust, aren't they?","start":1388.745,"end":1391.8049,"sentiment":"neutral","sentiment_score":0.03279234570535747},{"text":"Yep.","start":1393.225,"end":1393.725,"sentiment":"neutral","sentiment_score":0.14323627948760986},{"text":"Beautiful.","start":1393.7849,"end":1394.2849,"sentiment":"positive","sentiment_score":0.3765016198158264},{"text":"Excellent.","start":1394.4249,"end":1394.9249,"sentiment":"positive","sentiment_score":0.3508060574531555},{"text":"So we'll keep that there for you.","start":1395.3049,"end":1397.245,"sentiment":"neutral","sentiment_score":0.22962076323372976}],"sentiment":"neutral","sentiment_score":0.1351716715310301,"num_words":21,"start":1388.745,"end":1397.245},{"sentences":[{"text":"I've also got down here that you had some shares in The UK as well.","start":1397.3049,"end":1401.1649,"sentiment":"neutral","sentiment_score":0.06455560401082039},{"text":"Do you still have those?","start":1401.72,"end":1403.02,"sentiment":"neutral","sentiment_score":0.02498655952513218},{"text":"Yep.","start":1404.44,"end":1404.76,"sentiment":"neutral","sentiment_score":0.032301124185323715},{"text":"They're valued about $1,500.","start":1404.76,"end":1406.78,"sentiment":"neutral","sentiment_score":0.04093350376933813},{"text":"Yep.","start":1408.6,"end":1409.0,"sentiment":"neutral","sentiment_score":0.11947683990001678}],"sentiment":"neutral","sentiment_score":0.05418380142117922,"num_words":26,"start":1397.3049,"end":1409.0},{"sentences":[{"text":"Beautiful.","start":1409.0,"end":1409.5,"sentiment":"neutral","sentiment_score":0.28215673565864563},{"text":"And with all the properties and things held in the trust, we had a combined value of the trust assets of about 850,000.","start":1409.64,"end":1416.46,"sentiment":"neutral","sentiment_score":0.08326843769653984},{"text":"Would that have increased a bit?","start":1416.7849,"end":1418.8049,"sentiment":"neutral","sentiment_score":0.04662691087772449},{"text":"$9.25.","start":1421.4249,"end":1422.485,"sentiment":"neutral","sentiment_score":0.04183485731482506},{"text":"Beautiful.","start":1422.5449,"end":1423.0449,"sentiment":"positive","sentiment_score":0.3900466561317444}],"sentiment":"neutral","sentiment_score":0.09090543066849932,"num_words":32,"start":1409.0,"end":1423.0449},{"sentences":[{"text":"Lovely.","start":1423.505,"end":1424.005,"sentiment":"positive","sentiment_score":0.43416547775268555},{"text":"Excellent.","start":1424.945,"end":1425.445,"sentiment":"positive","sentiment_score":0.35970234870910645},{"text":"And then contents, we had an asset value of about 6,000.","start":1425.825,"end":1429.4249,"sentiment":"neutral","sentiment_score":0.09218730980699713},{"text":"Would you keep that about the same?","start":1429.4249,"end":1431.125,"sentiment":"neutral","sentiment_score":0.057054921452488215},{"text":"No.","start":1434.62,"end":1434.9401,"sentiment":"neutral","sentiment_score":-0.0421387143433094}],"sentiment":"neutral","sentiment_score":0.10310352238870803,"num_words":21,"start":1423.505,"end":1434.9401},{"sentences":[{"text":"That's okay.","start":1434.9401,"end":1435.92,"sentiment":"neutral","sentiment_score":-0.006217950023710728},{"text":"Yep.","start":1440.3,"end":1440.7001,"sentiment":"neutral","sentiment_score":0.08452706784009933},{"text":"That's okay.","start":1440.7001,"end":1441.6001,"sentiment":"neutral","sentiment_score":0.12695680558681488},{"text":"Not a problem at all.","start":1442.06,"end":1443.1001,"sentiment":"neutral","sentiment_score":0.14439768195152283},{"text":"And you've got the caravan that you're living in there.","start":1443.1001,"end":1445.1001,"sentiment":"neutral","sentiment_score":0.03904899470508098}],"sentiment":"neutral","sentiment_score":0.07192415678873658,"num_words":20,"start":1434.9401,"end":1445.1001},{"sentences":[{"text":"That's the Jayco Star Craft that you purchased?","start":1445.1001,"end":1447.725,"sentiment":"neutral","sentiment_score":0.05226299213245511},{"text":"Yep.","start":1448.745,"end":1449.225,"sentiment":"neutral","sentiment_score":0.13267797231674194},{"text":"Beautiful value on that was about 20,000 last year.","start":1449.225,"end":1452.345,"sentiment":"positive","sentiment_score":0.33588402966658276},{"text":"Would you keep it the same or increase or change that?","start":1452.345,"end":1455.245,"sentiment":"neutral","sentiment_score":0.09420868009328842},{"text":"Yep.","start":1461.16,"end":1461.64,"sentiment":"neutral","sentiment_score":0.2000475972890854}],"sentiment":"neutral","sentiment_score":0.16033604182302952,"num_words":30,"start":1445.1001,"end":1461.64},{"sentences":[{"text":"Beautiful.","start":1461.64,"end":1462.14,"sentiment":"positive","sentiment_score":0.5816150903701782},{"text":"So 25,000.","start":1462.36,"end":1463.56,"sentiment":"positive","sentiment_score":0.3677116185426712},{"text":"I mean, now you gotta have a comfy mattress.","start":1463.56,"end":1465.3201,"sentiment":"positive","sentiment_score":0.38544799553023446},{"text":"That's important.","start":1465.3201,"end":1466.06,"sentiment":"positive","sentiment_score":0.4367459863424301},{"text":"Yeah.","start":1474.4551,"end":1474.9551,"sentiment":"neutral","sentiment_score":0.19096481800079343}],"sentiment":"positive","sentiment_score":0.3900351385275523,"num_words":15,"start":1461.64,"end":1474.9551},{"sentences":[{"text":"You did have that Toyota Avalon valued at 1,000 that you had donated to the or donating to the charity with the the house side of things.","start":1475.3351,"end":1483.9801,"sentiment":"neutral","sentiment_score":0.06844085041019651},{"text":"Is that was that all donated with it?","start":1483.9801,"end":1486.3201,"sentiment":"neutral","sentiment_score":0.03718610084615648},{"text":"Yep.","start":1489.26,"end":1489.76,"sentiment":"neutral","sentiment_score":0.06167972832918167},{"text":"Yep.","start":1491.1001,"end":1491.6001,"sentiment":"neutral","sentiment_score":0.05378250405192375},{"text":"Yep.","start":1496.635,"end":1497.135,"sentiment":"neutral","sentiment_score":0.07899770885705948}],"sentiment":"neutral","sentiment_score":0.06157504497586112,"num_words":38,"start":1475.3351,"end":1497.135},{"sentences":[{"text":"Yeah.","start":1501.115,"end":1501.5149,"sentiment":"neutral","sentiment_score":0.0734124481678009},{"text":"That's okay.","start":1501.5149,"end":1502.475,"sentiment":"neutral","sentiment_score":0.10056721046566963},{"text":"Not a problem at all.","start":1502.475,"end":1503.9349,"sentiment":"neutral","sentiment_score":0.1161609560251236},{"text":"You had a rough value of about a thousand dollars in that vehicle.","start":1504.1549,"end":1507.0349,"sentiment":"neutral","sentiment_score":0.025837269683296863},{"text":"Would you keep that about the same?","start":1507.0349,"end":1508.6549,"sentiment":"neutral","sentiment_score":0.011122219131461211}],"sentiment":"neutral","sentiment_score":0.045324703179565926,"num_words":28,"start":1501.115,"end":1508.6549},{"sentences":[{"text":"Yep.","start":1510.4,"end":1510.88,"sentiment":"neutral","sentiment_score":0.17626160383224487},{"text":"Beautiful.","start":1510.88,"end":1511.38,"sentiment":"positive","sentiment_score":0.3561638295650482},{"text":"And then we've still got the Ford Ranger there as well.","start":1511.52,"end":1514.74,"sentiment":"neutral","sentiment_score":0.07981277054006403},{"text":"Yep.","start":1515.36,"end":1515.86,"sentiment":"neutral","sentiment_score":0.02364780567586422},{"text":"Last year, I looked up the estimated value.","start":1516.4,"end":1518.56,"sentiment":"neutral","sentiment_score":0.011084684869274497}],"sentiment":"neutral","sentiment_score":0.06921323608945716,"num_words":22,"start":1510.4,"end":1518.56},{"sentences":[{"text":"Did you want me to do the same thing on that car for this year?","start":1518.56,"end":1521.92,"sentiment":"neutral","sentiment_score":0.00855534536143144},{"text":"Yep.","start":1521.92,"end":1522.365,"sentiment":"neutral","sentiment_score":0.04786371812224388},{"text":"Beautiful.","start":1522.525,"end":1523.025,"sentiment":"neutral","sentiment_score":0.32973045110702515},{"text":"Look up that one.","start":1523.085,"end":1523.965,"sentiment":"neutral","sentiment_score":0.2355463169515133},{"text":"Beautiful.","start":1523.965,"end":1524.465,"sentiment":"positive","sentiment_score":0.3397347331047058}],"sentiment":"neutral","sentiment_score":0.08126565229824999,"num_words":22,"start":1518.56,"end":1524.465},{"sentences":[{"text":"And then contents we've covered.","start":1525.485,"end":1527.565,"sentiment":"neutral","sentiment_score":0.1469645231962204},{"text":"That's perfect.","start":1527.565,"end":1528.465,"sentiment":"positive","sentiment_score":0.4247436970472336},{"text":"I had down here that you did have a will and power of attorney all set up.","start":1529.885,"end":1533.965,"sentiment":"neutral","sentiment_score":0.09751817627864726},{"text":"That's all still valid, all still reflects your wishes correctly.","start":1533.965,"end":1537.105,"sentiment":"neutral","sentiment_score":0.1599654108285904},{"text":"Yeah.","start":1543.62,"end":1544.12,"sentiment":"neutral","sentiment_score":0.03414414823055267}],"sentiment":"neutral","sentiment_score":0.13931192180940083,"num_words":35,"start":1525.485,"end":1544.12},{"sentences":[{"text":"Yep.","start":1546.26,"end":1546.76,"sentiment":"neutral","sentiment_score":0.08323062211275101},{"text":"Perfect.","start":1547.38,"end":1547.88,"sentiment":"positive","sentiment_score":0.33839377760887146},{"text":"And beneficiaries on super.","start":1548.18,"end":1550.04,"sentiment":"neutral","sentiment_score":0.15386953484266996},{"text":"And on the pension to come as well, you do you want everything, if in the event of you passing early, to be passed down to Greg or yep.","start":1550.345,"end":1559.625,"sentiment":"neutral","sentiment_score":0.03575469585585183},{"text":"Beautiful.","start":1559.625,"end":1560.125,"sentiment":"positive","sentiment_score":0.6604689359664917}],"sentiment":"neutral","sentiment_score":0.07595715707995826,"num_words":36,"start":1546.26,"end":1560.125},{"sentences":[{"text":"I'll make sure that's all updated for you and confirmed with the advice.","start":1560.265,"end":1564.205,"sentiment":"positive","sentiment_score":0.45660464809491086},{"text":"Beautiful.","start":1564.265,"end":1564.765,"sentiment":"positive","sentiment_score":0.6735848188400269},{"text":"I've got income here 36,000, which is great.","start":1566.05,"end":1569.19,"sentiment":"positive","sentiment_score":0.5490388944745064},{"text":"Everything else looks pretty well.","start":1570.69,"end":1572.71,"sentiment":"positive","sentiment_score":0.5800857305526733},{"text":"As we kinda went through before, your super has done really nicely.","start":1573.33,"end":1576.31,"sentiment":"positive","sentiment_score":0.5519991293549538}],"sentiment":"positive","sentiment_score":0.5263121693562238,"num_words":39,"start":1560.265,"end":1576.31},{"sentences":[{"text":"So when I had a look back at our interview last year, your balance has definitely increased.","start":1576.37,"end":1581.605,"sentiment":"neutral","sentiment_score":0.19843309460317388},{"text":"So we had a balance of $2.51 last year and then that $2.71 $1.04 6 now.","start":1581.605,"end":1586.825,"sentiment":"neutral","sentiment_score":0.07832881715148687},{"text":"When we look at the earnings, the growth, and the income that has generated from the portfolio, even with what's been happening this year and this year, we did see market take a bit of a a dip around about that March point.","start":1587.605,"end":1599.89,"sentiment":"neutral","sentiment_score":-0.006589610887648061},{"text":"Yeah.","start":1601.55,"end":1601.79,"sentiment":"neutral","sentiment_score":0.07354562729597092},{"text":"Everything has been working quite well, and the gross and the income generated so the total earnings has just been over $26,048 for you.","start":1601.79,"end":1611.1649,"sentiment":"neutral","sentiment_score":0.3305582186828057}],"sentiment":"neutral","sentiment_score":0.12227933950685334,"num_words":101,"start":1576.37,"end":1611.1649},{"sentences":[{"text":"So it shows that a net return is a positive of 8.73%, which is really good.","start":1611.1649,"end":1617.2649,"sentiment":"positive","sentiment_score":0.4291233867406845},{"text":"When we look at that growth portfolio that you're in at the moment, you were sort of chasing annualized returns or compounding annualized returns of about seven to 9%.","start":1617.4049,"end":1627.2,"sentiment":"neutral","sentiment_score":0.07320645348779087},{"text":"The 8% is still in that range.","start":1627.2,"end":1629.46,"sentiment":"neutral","sentiment_score":0.08690279243247849},{"text":"It's kind of mid range for where you are in that growth portfolio, and the fact that you've come out with a positive return even with what been going on globally at the moment, it is still a good sign.","start":1630.4,"end":1639.655,"sentiment":"neutral","sentiment_score":0.23951202519237996},{"text":"I have noticed one of your investments, though, has been underperforming.","start":1641.395,"end":1644.455,"sentiment":"neutral","sentiment_score":-0.16182872720740057}],"sentiment":"neutral","sentiment_score":0.16890918344114592,"num_words":103,"start":1611.1649,"end":1644.455},{"sentences":[{"text":"So you have the Benelung Australian equities in there.","start":1644.755,"end":1647.735,"sentiment":"neutral","sentiment_score":-0.10389392243491279},{"text":"That was originally put into your portfolio.","start":1647.795,"end":1649.8151,"sentiment":"neutral","sentiment_score":-0.0554807468184403},{"text":"They're an the investment manager for Bannalong, they're trying to actively manage that fund and outperform against the market.","start":1650.115,"end":1657.81,"sentiment":"neutral","sentiment_score":-0.066733836147346},{"text":"In recent months, they haven't been able to do that.","start":1658.35,"end":1660.83,"sentiment":"neutral","sentiment_score":-0.1833883911371231},{"text":"We don't we're seeing them drop very heavily at the moment, and they're underperforming a little bit.","start":1660.83,"end":1665.435,"sentiment":"neutral","sentiment_score":-0.24511626538108378}],"sentiment":"neutral","sentiment_score":-0.13858409418213752,"num_words":62,"start":1644.755,"end":1665.435},{"sentences":[{"text":"So I would like to, as part of the advice, go back and remove that for you.","start":1665.755,"end":1669.6951,"sentiment":"neutral","sentiment_score":-0.0763617192997652},{"text":"I can do a couple of things.","start":1670.555,"end":1672.0751,"sentiment":"neutral","sentiment_score":0.19413449508803232},{"text":"I can look at putting in another investment manager that's active and trying to outperform against the market, or I could look at some passive funds that might be cheaper for you.","start":1672.0751,"end":1682.16,"sentiment":"neutral","sentiment_score":0.24617896834388375},{"text":"Did you wanna have that active management, or do you wanna focus on a bit of a cheaper portfolio that might save you in fees?","start":1682.16,"end":1688.34,"sentiment":"neutral","sentiment_score":0.217138634622097},{"text":"Mhmm.","start":1696.8151,"end":1697.3151,"sentiment":"neutral","sentiment_score":-0.01971611939370632}],"sentiment":"neutral","sentiment_score":0.16277157281320997,"num_words":82,"start":1665.755,"end":1697.3151},{"sentences":[{"text":"Yes.","start":1698.015,"end":1698.515,"sentiment":"neutral","sentiment_score":0.00907181017100811},{"text":"Yeah.","start":1702.175,"end":1702.675,"sentiment":"neutral","sentiment_score":-0.021768715232610703},{"text":"Yes.","start":1708.27,"end":1708.77,"sentiment":"neutral","sentiment_score":0.05279122292995453},{"text":"Mhmm.","start":1725.805,"end":1726.305,"sentiment":"neutral","sentiment_score":-0.006642820313572884},{"text":"You're sitting at growth.","start":1728.285,"end":1729.745,"sentiment":"neutral","sentiment_score":-0.11145713366568089}],"sentiment":"neutral","sentiment_score":-0.05154712963849306,"num_words":8,"start":1698.015,"end":1729.745},{"sentences":[{"text":"So when you sort of think of it if you think of risk at a level of, say, five, you're kind of in that four to 5%.","start":1729.77,"end":1736.5701,"sentiment":"neutral","sentiment_score":-0.009547070772559554},{"text":"You're you're quite up there.","start":1736.5701,"end":1738.65,"sentiment":"neutral","sentiment_score":0.019636629894375802},{"text":"Generally, the growth portfolio suits someone who has about six years before they're wanting to access their super.","start":1738.65,"end":1743.87,"sentiment":"neutral","sentiment_score":0.10200573255618413},{"text":"I definitely wanna do that risk profile with you today.","start":1744.575,"end":1746.895,"sentiment":"positive","sentiment_score":0.3457272157073021},{"text":"Because moving into that pension phase, we do wanna look at ways to make sure you're not seeing very heavy dips at the points where you are taking money at, and maybe drawing down and being a bit more conservative is a good thing moving forward.","start":1746.895,"end":1759.51,"sentiment":"neutral","sentiment_score":0.13629501572121744}],"sentiment":"neutral","sentiment_score":0.10757885193276517,"num_words":106,"start":1729.77,"end":1759.51},{"sentences":[{"text":"You still wanna get returns and see investments grow, but not looking for as heavy a drop in the market like we have seen over the past few months there.","start":1759.51,"end":1768.49,"sentiment":"neutral","sentiment_score":0.028004513184229533},{"text":"Yeah.","start":1768.55,"end":1769.05,"sentiment":"neutral","sentiment_score":0.17215701937675476},{"text":"Yeah.","start":1769.925,"end":1770.425,"sentiment":"neutral","sentiment_score":0.3314052224159241},{"text":"Yeah.","start":1772.405,"end":1772.905,"sentiment":"positive","sentiment_score":0.3412342667579651},{"text":"Did you want me just to focus on investments so I can find an Australian equities investment to give you Australian exposure that might be more diversified, be a little bit cheaperly managed, and still providing good returns?","start":1773.285,"end":1784.8251,"sentiment":"positive","sentiment_score":0.37887881382515554}],"sentiment":"neutral","sentiment_score":0.22651164548497804,"num_words":71,"start":1759.51,"end":1784.8251},{"sentences":[{"text":"Yeah.","start":1787.28,"end":1787.78,"sentiment":"neutral","sentiment_score":-0.01017838530242443},{"text":"Yeah.","start":1801.375,"end":1801.615,"sentiment":"neutral","sentiment_score":0.13961797952651978},{"text":"It does kind of work that with with the balance you have because we're sort of having the two accounts.","start":1801.615,"end":1805.695,"sentiment":"neutral","sentiment_score":0.3000223934650421},{"text":"It's better to kind of make sure they're all combined in a in a very similar risk level.","start":1805.695,"end":1809.875,"sentiment":"neutral","sentiment_score":0.20933005772531033},{"text":"With having more money in that pension phase, that's where you wanna be more conservative.","start":1810.41,"end":1814.1901,"sentiment":"neutral","sentiment_score":0.20719686448574065}],"sentiment":"neutral","sentiment_score":0.23646875399757517,"num_words":55,"start":1787.28,"end":1814.1901},{"sentences":[{"text":"You could take a bit more risk in the accumulation phase, but the balance will be much smaller.","start":1814.25,"end":1818.4901,"sentiment":"neutral","sentiment_score":0.15722903153962559},{"text":"So it does work out better just to kind of keep it across the two accounts very similar and making sure you're not overweight and not taking on too much risk because you don't wanna be rolling back or accessing some of that money at a time when there's a very large market dip.","start":1818.4901,"end":1834.7749,"sentiment":"neutral","sentiment_score":0.08342035459699454},{"text":"It means you have to cement those losses.","start":1834.7749,"end":1836.715,"sentiment":"neutral","sentiment_score":-0.1179250217974186},{"text":"So just yeah.","start":1836.7749,"end":1839.7301,"sentiment":"neutral","sentiment_score":0.13155302157004675},{"text":"Being more conservative, this side of things is not bad.","start":1839.79,"end":1843.0901,"sentiment":"neutral","sentiment_score":0.26230049282312395}],"sentiment":"neutral","sentiment_score":0.10117296273669889,"num_words":93,"start":1814.25,"end":1843.0901},{"sentences":[{"text":"Yeah.","start":1843.2301,"end":1843.7301,"sentiment":"neutral","sentiment_score":0.11888942122459412},{"text":"Yeah.","start":1844.03,"end":1844.53,"sentiment":"neutral","sentiment_score":0.11450640857219696},{"text":"No.","start":1847.55,"end":1847.7101,"sentiment":"neutral","sentiment_score":-0.07598099112510681},{"text":"That's like abs you're fine.","start":1847.7101,"end":1850.8301,"sentiment":"neutral","sentiment_score":-0.015078320784959942},{"text":"I know.","start":1850.8301,"end":1851.15,"sentiment":"neutral","sentiment_score":0.0017791446298360825}],"sentiment":"neutral","sentiment_score":0.008558152400655671,"num_words":10,"start":1843.2301,"end":1851.15},{"sentences":[{"text":"What is it?","start":1851.15,"end":1851.79,"sentiment":"neutral","sentiment_score":-0.015847393311560154},{"text":"Ask it now.","start":1851.79,"end":1852.43,"sentiment":"neutral","sentiment_score":-0.000766615072886149},{"text":"Absolutely.","start":1852.43,"end":1852.93,"sentiment":"neutral","sentiment_score":0.11603349447250366},{"text":"Yeah.","start":1862.175,"end":1862.675,"sentiment":"neutral","sentiment_score":-0.016077574342489243},{"text":"Yep.","start":1863.135,"end":1863.635,"sentiment":"neutral","sentiment_score":-0.06717029213905334}],"sentiment":"neutral","sentiment_score":-0.0018951552402642039,"num_words":9,"start":1851.15,"end":1863.635},{"sentences":[{"text":"Yes.","start":1870.51,"end":1871.01,"sentiment":"neutral","sentiment_score":-0.0002311933785676956},{"text":"Mhmm.","start":1879.4049,"end":1879.9049,"sentiment":"neutral","sentiment_score":-0.001977939158678055},{"text":"Yeah.","start":1882.365,"end":1882.865,"sentiment":"neutral","sentiment_score":-0.022293929010629657},{"text":"Okay.","start":1886.5249,"end":1887.0249,"sentiment":"neutral","sentiment_score":-0.019443565979599953},{"text":"There could be.","start":1892.94,"end":1893.6599,"sentiment":"neutral","sentiment_score":-0.02732846885919571}],"sentiment":"neutral","sentiment_score":-0.0179902905864375,"num_words":7,"start":1870.51,"end":1893.6599},{"sentences":[{"text":"We could look at investing the funds for you in an in your super or in another portfolio.","start":1893.6599,"end":1898.1599,"sentiment":"neutral","sentiment_score":0.0517304413434532},{"text":"The problem is I would wanna be investing money that you are wanting to access in the short term.","start":1899.1,"end":1903.555,"sentiment":"neutral","sentiment_score":-0.21569787828545822},{"text":"So, realistically, money that you wanna access in the next three to five years shouldn't be invested in the market because you do risk, even in a defensive portfolio, seeing markets go up and down and fluctuate.","start":1903.555,"end":1916.135,"sentiment":"neutral","sentiment_score":-0.3266503547091742},{"text":"So you do risk accessing money at a down point in the market even because all markets go up and down.","start":1916.3551,"end":1923.54,"sentiment":"negative","sentiment_score":-0.3920501726014273},{"text":"So, realistically, money that you're hoping to access in the next sort of one, two, or even three years realistically would be better sitting in a term deposit where you could or high interest savings account where you can access that without it fluctuating too heavily.","start":1923.6,"end":1937.125,"sentiment":"neutral","sentiment_score":0.12295921959372683}],"sentiment":"neutral","sentiment_score":-0.12645464106950025,"num_words":141,"start":1893.6599,"end":1937.125},{"sentences":[{"text":"Does that make sense?","start":1937.125,"end":1938.1849,"sentiment":"neutral","sentiment_score":0.07925039250403643},{"text":"Yeah.","start":1940.405,"end":1940.905,"sentiment":"neutral","sentiment_score":-0.007177889347076416},{"text":"Yeah.","start":1942.9,"end":1943.4,"sentiment":"neutral","sentiment_score":-0.08226627111434937},{"text":"Absolutely not.","start":1945.14,"end":1946.5,"sentiment":"negative","sentiment_score":-0.3563421964645386},{"text":"Absolutely not.","start":1946.5,"end":1947.38,"sentiment":"neutral","sentiment_score":-0.3225732147693634}],"sentiment":"neutral","sentiment_score":-0.1130273412913084,"num_words":10,"start":1937.125,"end":1947.38},{"sentences":[{"text":"It's always worth asking the question.","start":1947.38,"end":1949.24,"sentiment":"neutral","sentiment_score":-0.01802024121085803},{"text":"Absolutely.","start":1949.3,"end":1949.8,"sentiment":"neutral","sentiment_score":0.3091767430305481},{"text":"Perfect.","start":1950.18,"end":1950.68,"sentiment":"positive","sentiment_score":0.4424316883087158},{"text":"Well, I'll look at the portfolio.","start":1950.74,"end":1952.28,"sentiment":"neutral","sentiment_score":0.15513452142477036},{"text":"I'll have a look at the research around the super moving 250,000 into pension, making sure we get that drawdown this year, but then also drawing down the 36,000 next year in monthly increments for you.","start":1952.5,"end":1964.4349,"sentiment":"neutral","sentiment_score":0.19895845423969957}],"sentiment":"neutral","sentiment_score":0.17473596930503846,"num_words":50,"start":1947.38,"end":1964.4349},{"sentences":[{"text":"We'll keep some money sitting back in the accumulation phase as well, and we'll look at the deductible contribution.","start":1965.615,"end":1973.12,"sentiment":"neutral","sentiment_score":0.29952363983580943},{"text":"So you're putting in about $2,000 on a monthly basis and then claiming the notice of intent at the end of the year there.","start":1973.1799,"end":1978.88,"sentiment":"neutral","sentiment_score":0.14885158650577068},{"text":"I'll look at investments that are a bit more passively managed, a bit cheaper, but also providing good returns.","start":1979.5,"end":1985.12,"sentiment":"positive","sentiment_score":0.3539163760448757},{"text":"The last thing to kinda check-in on is just the risk profile questionnaire.","start":1985.705,"end":1990.205,"sentiment":"neutral","sentiment_score":0.11148225831297728},{"text":"So we've done this every year.","start":1990.425,"end":1991.865,"sentiment":"neutral","sentiment_score":0.17626303931077322}],"sentiment":"neutral","sentiment_score":0.2283289626148748,"num_words":81,"start":1965.615,"end":1991.865},{"sentences":[{"text":"It's very much exactly the same.","start":1991.865,"end":1993.725,"sentiment":"neutral","sentiment_score":0.23241916547218958},{"text":"Just a couple of questions.","start":1994.585,"end":1995.785,"sentiment":"neutral","sentiment_score":0.0725455105304718},{"text":"Now I'm altering the accessing question because you wanna access super now, so I'm gonna make that one a a five.","start":1995.785,"end":2003.19,"sentiment":"neutral","sentiment_score":0.11591480973930586},{"text":"So you wanted to access super now.","start":2003.19,"end":2005.21,"sentiment":"neutral","sentiment_score":0.17732414603233337},{"text":"You still do have direct shares, so we can tick that one as a box of one.","start":2005.83,"end":2010.41,"sentiment":"neutral","sentiment_score":0.17803692598553264}],"sentiment":"neutral","sentiment_score":0.15105982703555906,"num_words":56,"start":1991.865,"end":2010.41},{"sentences":[{"text":"The next question here is looking at market dips.","start":2011.115,"end":2014.235,"sentiment":"neutral","sentiment_score":0.00810607491681973},{"text":"So we sort of talked about taking less risk in the market.","start":2014.235,"end":2016.7151,"sentiment":"neutral","sentiment_score":0.03514723076174656},{"text":"You're feeling a bit more conservative there.","start":2016.7151,"end":2018.8151,"sentiment":"neutral","sentiment_score":0.04875897243618965},{"text":"If you saw, say, a 20% dip in the market, you know, over the next sort of twelve months or the next one or two years, how do you think you might be feeling?","start":2018.9551,"end":2027.2201,"sentiment":"neutral","sentiment_score":-0.008794311981867342},{"text":"Are you calling me and saying I wanna put more money in and take advantage of the downtime?","start":2027.2201,"end":2031.0,"sentiment":"neutral","sentiment_score":-0.08391234651207924}],"sentiment":"neutral","sentiment_score":-0.01216743242694065,"num_words":80,"start":2011.115,"end":2031.0},{"sentences":[{"text":"Are you a bit concerned because you're accessing super and wanting to find out if there's a safer way to put your funds?","start":2031.2201,"end":2037.7201,"sentiment":"neutral","sentiment_score":-0.10580703470370044},{"text":"Or are you hoping to just hold and wait knowing that markets go through those ups and downs?","start":2037.925,"end":2042.745,"sentiment":"neutral","sentiment_score":-0.09711628883249229},{"text":"What do you how do you think he might react?","start":2042.885,"end":2044.985,"sentiment":"neutral","sentiment_score":-0.05898660160601139},{"text":"Yep.","start":2057.7,"end":2058.2,"sentiment":"neutral","sentiment_score":-0.03725522756576538},{"text":"Yep.","start":2063.7148,"end":2064.2148,"sentiment":"neutral","sentiment_score":-0.024646397680044178}],"sentiment":"neutral","sentiment_score":-0.09119665355614896,"num_words":53,"start":2031.2201,"end":2064.2148},{"sentences":[{"text":"Yep.","start":2068.355,"end":2068.855,"sentiment":"neutral","sentiment_score":-0.006854625418782234},{"text":"No.","start":2068.915,"end":2069.155,"sentiment":"neutral","sentiment_score":-0.04301179572939873},{"text":"That's okay.","start":2069.155,"end":2069.9749,"sentiment":"neutral","sentiment_score":0.035107238800264895},{"text":"Absolutely.","start":2070.115,"end":2070.615,"sentiment":"neutral","sentiment_score":0.10747489333152772},{"text":"Yeah.","start":2071.155,"end":2071.555,"sentiment":"neutral","sentiment_score":0.04160755127668381}],"sentiment":"neutral","sentiment_score":0.028238416843426723,"num_words":6,"start":2068.355,"end":2071.555},{"sentences":[{"text":"Abs absolutely.","start":2071.555,"end":2072.9348,"sentiment":"neutral","sentiment_score":0.03089872468262911},{"text":"Now when we think of trying to get good returns, we will all want the best return we can, but we understand that we do have to take a a certain amount of risk in order to achieve that certain rate of return.","start":2073.7148,"end":2084.3599,"sentiment":"neutral","sentiment_score":-0.022340318837831188},{"text":"And do you consider yourself comfortable taking a higher level of risk to get higher returns, a medium amount of risk to get average or moderate amount of returns, or no risk to get very little returns?","start":2084.8198,"end":2096.295,"sentiment":"neutral","sentiment_score":-0.04664881970431354},{"text":"Yep.","start":2098.5151,"end":2098.915,"sentiment":"neutral","sentiment_score":0.20974421501159668},{"text":"Beautiful.","start":2098.915,"end":2099.415,"sentiment":"positive","sentiment_score":0.556067705154419}],"sentiment":"neutral","sentiment_score":-0.02213131749470319,"num_words":84,"start":2071.555,"end":2099.415},{"sentences":[{"text":"I've still ticked the box here that you're trying to, on average, get the best returns you possibly can from the portfolio that you've got there.","start":2100.675,"end":2107.4602,"sentiment":"positive","sentiment_score":0.3898388697550847},{"text":"And then the last question here is looking at borrowing funds to invest, do you see yourself comfortable borrowing money in order to invest in shares or managed funds, or do you think you would never do something like that again?","start":2108.6401,"end":2121.505,"sentiment":"neutral","sentiment_score":-0.030159697072898468},{"text":"No.","start":2125.005,"end":2125.2449,"sentiment":"neutral","sentiment_score":-0.19493840634822843},{"text":"That's okay.","start":2125.2449,"end":2125.9648,"sentiment":"neutral","sentiment_score":-0.01241757720708847},{"text":"Beautiful.","start":2125.9648,"end":2126.4648,"sentiment":"positive","sentiment_score":0.4695369005203247}],"sentiment":"neutral","sentiment_score":0.1288595263859336,"num_words":71,"start":2100.675,"end":2126.4648},{"sentences":[{"text":"Excellent.","start":2127.565,"end":2128.065,"sentiment":"positive","sentiment_score":0.5089196562767029},{"text":"Okay.","start":2128.525,"end":2129.025,"sentiment":"neutral","sentiment_score":0.21252121031284332},{"text":"So having a look at that one there for you.","start":2129.325,"end":2132.625,"sentiment":"neutral","sentiment_score":0.1876762330532074},{"text":"My computer's thinking about it a little bit.","start":2134.97,"end":2136.97,"sentiment":"neutral","sentiment_score":0.05809240462258458},{"text":"There we go.","start":2136.97,"end":2137.79,"sentiment":"neutral","sentiment_score":0.0218934528529644}],"sentiment":"neutral","sentiment_score":0.13602707794179086,"num_words":23,"start":2127.565,"end":2137.79},{"sentences":[{"text":"Now you've scored there more as a more more of a moderate investor.","start":2138.33,"end":2142.1099,"sentiment":"neutral","sentiment_score":0.24002671700257522},{"text":"So in that growth portfolio you have at the moment, that's where you generally see about 80% of your super invested in growth assets, like Australian shares, international shares, listed property, commodities like gold and silver, and then just about 20% in defensive lower risk investments like cash, bonds, and fixed interest.","start":2142.25,"end":2159.375,"sentiment":"neutral","sentiment_score":0.21465518354223326},{"text":"As a moderate investor, we've got one of two ways.","start":2159.755,"end":2162.3,"sentiment":"neutral","sentiment_score":0.24820746183395387},{"text":"You can start to reduce it a bit more gradually.","start":2162.3,"end":2164.6401,"sentiment":"neutral","sentiment_score":0.12388239428400993},{"text":"Normally, that would see us drop you down to more of a balanced portfolio, which sees 60% of your super invested in those growth investments, and then we're increasing that defensive side of things to about 40% there for you.","start":2165.1,"end":2177.9348,"sentiment":"neutral","sentiment_score":0.2746862281113863}],"sentiment":"neutral","sentiment_score":0.23192611640691757,"num_words":125,"start":2138.33,"end":2177.9348},{"sentences":[{"text":"Do you feel comfortable dropping down to that level, or did you kinda wanna go in the middle of where you are and maybe drop down in increments, 10% increments.","start":2178.155,"end":2188.57,"sentiment":"neutral","sentiment_score":0.13305889293551446},{"text":"How do you feel?","start":2188.57,"end":2189.55,"sentiment":"neutral","sentiment_score":0.17595326155424118},{"text":"Yep.","start":2194.57,"end":2195.07,"sentiment":"neutral","sentiment_score":0.14383450150489807},{"text":"Yep.","start":2204.585,"end":2204.9849,"sentiment":"neutral","sentiment_score":0.2168133705854416},{"text":"Yeah.","start":2204.9849,"end":2205.385,"sentiment":"positive","sentiment_score":0.3423996567726135}],"sentiment":"neutral","sentiment_score":0.14590884765257706,"num_words":37,"start":2178.155,"end":2205.385},{"sentences":[{"text":"Absolutely.","start":2205.385,"end":2205.885,"sentiment":"positive","sentiment_score":0.403992235660553},{"text":"Not a problem at all.","start":2206.1848,"end":2207.4849,"sentiment":"positive","sentiment_score":0.41783843040466306},{"text":"So I'll look at the balance growth environment for you, which is sort of that seventy thirty split.","start":2208.265,"end":2213.72,"sentiment":"neutral","sentiment_score":0.22967814488543403},{"text":"So you're dropping down from 80 to 70 in those growth investments and then bringing up that defensive component by that 10% there as well.","start":2213.72,"end":2221.72,"sentiment":"neutral","sentiment_score":0.17670524269342422},{"text":"Sort of gradually stepping down a bit like taking steps down slowly and gradually towards that defensive kind of area.","start":2221.72,"end":2228.9849,"sentiment":"neutral","sentiment_score":0.011706794798374175}],"sentiment":"neutral","sentiment_score":0.1634660573757213,"num_words":69,"start":2205.385,"end":2228.9849},{"sentences":[{"text":"If at any point you do feel a bit uncomfortable, let me know.","start":2229.525,"end":2232.825,"sentiment":"neutral","sentiment_score":-0.23598686777628386},{"text":"You do still have time on your side, and one of the biggest misconceptions people come up with that I do find is that when we move into pension phase, we should be a 100% defensive and not taking any risk in the market.","start":2233.365,"end":2245.72,"sentiment":"neutral","sentiment_score":-0.1735794869336215},{"text":"And as much as you are taking money out on a monthly basis, you still have time to be invested because retirement you can be in retirement for ten, twenty, or thirty, or forty years depending on how long you live for.","start":2245.94,"end":2257.355,"sentiment":"neutral","sentiment_score":0.13133098451154573},{"text":"So you still have time to be invested.","start":2257.355,"end":2259.4548,"sentiment":"neutral","sentiment_score":0.14605088895768858},{"text":"You're still not wanting to access all that money at once, so it is still good to have that level of risk and take on some risk to get those better returns to make sure you get that longevity.","start":2259.9949,"end":2270.3398,"sentiment":"neutral","sentiment_score":-0.044324408834561325}],"sentiment":"neutral","sentiment_score":-0.03938130266830478,"num_words":146,"start":2229.525,"end":2270.3398},{"sentences":[{"text":"So it's a bit of a juggling act, but I can show you what this sort of balanced growth environment looks like.","start":2270.64,"end":2277.255,"sentiment":"neutral","sentiment_score":0.11408572483130476},{"text":"The average returns we're sort of chasing compounded in this sort of portfolio is about six to 8%, and the likelihood of a negative return is about one in six years.","start":2277.575,"end":2287.815,"sentiment":"neutral","sentiment_score":-0.07681649682983276},{"text":"So it is less risk than what the growth environment is.","start":2287.815,"end":2291.035,"sentiment":"neutral","sentiment_score":-0.08246693286028775},{"text":"I'll look at making sure your portfolio is diversified.","start":2292.0698,"end":2294.65,"sentiment":"neutral","sentiment_score":0.11677498204840554},{"text":"We also do consider, you know, when we move and alter portfolios, the CGT consequences inside super because when we buy and sell investments, your super fund still has to pay CGT tax.","start":2295.19,"end":2307.535,"sentiment":"neutral","sentiment_score":0.05148103042985454}],"sentiment":"neutral","sentiment_score":0.018597048355863906,"num_words":106,"start":2270.64,"end":2307.535},{"sentences":[{"text":"So we'll make sure we account for that for you.","start":2307.535,"end":2310.4348,"sentiment":"neutral","sentiment_score":0.08912772759795189},{"text":"One of the things I could probably also look at if you would like me to is one of the things with talking to the local economists, we have seen very high inflation this year.","start":2311.615,"end":2320.72,"sentiment":"neutral","sentiment_score":-0.025823716393538882},{"text":"I could look at ways of trying to combat inflation in that defensive environment.","start":2321.18,"end":2325.28,"sentiment":"neutral","sentiment_score":-0.10835968224065644},{"text":"Are you comfortable with me sort of having a look at some different investments to maybe compact combat what might be coming in the next few months with what the economist has sort of been saying for us?","start":2325.5,"end":2336.455,"sentiment":"neutral","sentiment_score":-0.01670203639782573},{"text":"Yep.","start":2338.195,"end":2338.695,"sentiment":"neutral","sentiment_score":0.14910361170768738}],"sentiment":"neutral","sentiment_score":-0.020562878781359414,"num_words":98,"start":2307.535,"end":2338.695},{"sentences":[{"text":"Beautiful.","start":2338.7551,"end":2339.2551,"sentiment":"positive","sentiment_score":0.5175318717956543},{"text":"Lovely.","start":2340.115,"end":2340.615,"sentiment":"positive","sentiment_score":0.5478997230529785},{"text":"I've got a few options of investments that I have been looking at, but I'll sort of go back and just do a bit of divvy, have a look at, you know, what the research comes up with the longevity side of things, and I'll update the plan there for you.","start":2341.7952,"end":2353.9001,"sentiment":"neutral","sentiment_score":0.23020722264168308},{"text":"Now you may have mentioned that you guys are in Bundaberg for the next five weeks.","start":2354.04,"end":2358.04,"sentiment":"neutral","sentiment_score":0.0898321820423007},{"text":"Is that right?","start":2358.04,"end":2358.86,"sentiment":"neutral","sentiment_score":0.056492261588573456}],"sentiment":"neutral","sentiment_score":0.20017766176412502,"num_words":72,"start":2338.7551,"end":2358.86},{"sentences":[{"text":"Four now?","start":2360.965,"end":2361.765,"sentiment":"neutral","sentiment_score":0.03007499687373638},{"text":"Yep.","start":2361.765,"end":2362.165,"sentiment":"neutral","sentiment_score":0.0972047671675682},{"text":"That's okay.","start":2362.165,"end":2362.985,"sentiment":"neutral","sentiment_score":0.1757356896996498},{"text":"It'll take me about a week or so to do the research.","start":2363.525,"end":2366.425,"sentiment":"neutral","sentiment_score":0.11016504031916459},{"text":"Can I book you back in for, say, maybe the week of the fifteenth?","start":2366.485,"end":2371.785,"sentiment":"neutral","sentiment_score":0.10894408768841199}],"sentiment":"neutral","sentiment_score":0.10825883392845431,"num_words":31,"start":2360.965,"end":2371.785},{"sentences":[{"text":"One of those days to go through the advice.","start":2373.93,"end":2375.93,"sentiment":"neutral","sentiment_score":0.07321183838778073},{"text":"Would that be okay?","start":2375.93,"end":2376.91,"sentiment":"neutral","sentiment_score":0.07304435782134533},{"text":"Absolutely.","start":2380.65,"end":2381.15,"sentiment":"neutral","sentiment_score":0.11977361887693404},{"text":"Yeah.","start":2399.4,"end":2399.72,"sentiment":"neutral","sentiment_score":0.05650525540113449},{"text":"Absolutely.","start":2399.72,"end":2400.22,"sentiment":"neutral","sentiment_score":0.1274419128894806}],"sentiment":"neutral","sentiment_score":0.07842529774643481,"num_words":16,"start":2373.93,"end":2400.22},{"sentences":[{"text":"Did you want in the morning or the afternoon?","start":2400.44,"end":2402.54,"sentiment":"neutral","sentiment_score":0.04522450558013386},{"text":"Or yeah.","start":2402.76,"end":2405.4,"sentiment":"neutral","sentiment_score":0.11524898186326027},{"text":"Perfect.","start":2405.4,"end":2405.9,"sentiment":"positive","sentiment_score":0.4430304765701294},{"text":"We can do I look.","start":2406.1199,"end":2407.4,"sentiment":"neutral","sentiment_score":0.11703443378210068},{"text":"I start work anywhere from sort of 07:30, 08:00 in the morning.","start":2407.4,"end":2411.02,"sentiment":"neutral","sentiment_score":0.05349504419912895}],"sentiment":"neutral","sentiment_score":0.07957454102820363,"num_words":29,"start":2400.44,"end":2411.02},{"sentences":[{"text":"Did you want me to do, like, 08:30, 09:00 for you?","start":2411.08,"end":2414.435,"sentiment":"neutral","sentiment_score":0.014507733624089848},{"text":"Or 09:00?","start":2414.8152,"end":2417.3152,"sentiment":"neutral","sentiment_score":0.026861058548092842},{"text":"Beautiful.","start":2417.375,"end":2417.875,"sentiment":"positive","sentiment_score":0.5580939650535583},{"text":"We'll pop that one in there for you.","start":2418.0151,"end":2419.875,"sentiment":"positive","sentiment_score":0.4929972290992737},{"text":"Beautiful.","start":2423.695,"end":2424.195,"sentiment":"positive","sentiment_score":0.6594153046607971}],"sentiment":"neutral","sentiment_score":0.23368670823781387,"num_words":23,"start":2411.08,"end":2424.195},{"sentences":[{"text":"And I'll send a little text message reminder so it sends a message out the day before just with that time and date to make it easier for you.","start":2424.335,"end":2431.02,"sentiment":"neutral","sentiment_score":0.29925761705842513},{"text":"Beautiful.","start":2433.24,"end":2433.74,"sentiment":"positive","sentiment_score":0.754964292049408},{"text":"Lovely.","start":2434.04,"end":2434.54,"sentiment":"positive","sentiment_score":0.7499276399612427},{"text":"Looking forward to putting this advice together for you.","start":2434.6,"end":2437.26,"sentiment":"positive","sentiment_score":0.7239141331778632},{"text":"Now that annual review pack has been sent out, it does have the ongoing service agreement for the next twelve months.","start":2437.8,"end":2442.765,"sentiment":"neutral","sentiment_score":0.18886647479874746}],"sentiment":"positive","sentiment_score":0.33876698354228596,"num_words":61,"start":2424.335,"end":2442.765},{"sentences":[{"text":"If you're happy with being on board and staying on board with me for another twelve months and having me as your adviser, I'll get you to sign and return that one back.","start":2442.765,"end":2449.9849,"sentiment":"neutral","sentiment_score":0.28047814468542737},{"text":"It does have the ongoing service agreement, which is at 1.65% per annum, and our fee is deducted in smaller monthly increments for you.","start":2450.285,"end":2458.26,"sentiment":"neutral","sentiment_score":0.1285638092085719},{"text":"Because we'll be going into pension phase and having those two accounts open, that fee will be deducted.","start":2458.58,"end":2463.4,"sentiment":"neutral","sentiment_score":0.11641698082288106},{"text":"I'll add it into the advice so you can see how that works, but it will work provider across both those accounts there for you.","start":2463.86,"end":2469.8801,"sentiment":"neutral","sentiment_score":0.12248130768537521},{"text":"Yeah.","start":2470.755,"end":2471.255,"sentiment":"neutral","sentiment_score":0.08690124750137329}],"sentiment":"neutral","sentiment_score":0.1741163345551727,"num_words":101,"start":2442.765,"end":2471.255},{"sentences":[{"text":"But if you're comfortable just signing and returning that one back for me, we can apply that to things, and then we just as the advice updates everything, we'll just update that agreement across the accounts there for you.","start":2471.4749,"end":2481.815,"sentiment":"neutral","sentiment_score":0.14549666967911598},{"text":"I've also got attached there the ongoing the annual agreement documents that we've gone through.","start":2483.0798,"end":2489.24,"sentiment":"neutral","sentiment_score":0.13922288417816162},{"text":"So it has your balance there with the summary.","start":2489.24,"end":2491.16,"sentiment":"neutral","sentiment_score":0.15803882479667664},{"text":"It's also got the portfolio reports.","start":2491.16,"end":2493.5598,"sentiment":"neutral","sentiment_score":0.13847778116663298},{"text":"You're welcome to run your eyes over and let me know if you do have any questions there.","start":2493.5598,"end":2497.095,"sentiment":"neutral","sentiment_score":0.3116266015503142}],"sentiment":"neutral","sentiment_score":0.1796000956118792,"num_words":87,"start":2471.4749,"end":2497.095},{"sentences":[{"text":"And I've also got the financial services guide, which we send out regularly to you as well, just updating all the information on who I am, all about us here at iView as well.","start":2497.255,"end":2506.135,"sentiment":"neutral","sentiment_score":0.20229182260877945},{"text":"So feel free to run your eyes over those documents.","start":2506.135,"end":2509.115,"sentiment":"neutral","sentiment_score":0.07261587269604206},{"text":"If you do find us any questions in relation to them.","start":2509.175,"end":2511.74,"sentiment":"neutral","sentiment_score":0.05680678513917056},{"text":"Please come back and let me know.","start":2511.74,"end":2513.3599,"sentiment":"neutral","sentiment_score":0.10765810523714338},{"text":"And, yeah, I'll get working on this research there for you.","start":2514.3,"end":2517.18,"sentiment":"neutral","sentiment_score":0.22296703268181195}],"sentiment":"neutral","sentiment_score":0.1566465675116402,"num_words":73,"start":2497.255,"end":2517.18},{"sentences":[{"text":"Okay?","start":2517.18,"end":2517.68,"sentiment":"neutral","sentiment_score":0.14923077821731567},{"text":"Excellent.","start":2519.74,"end":2520.24,"sentiment":"positive","sentiment_score":0.756182849407196},{"text":"Oh, thank you so much.","start":2522.38,"end":2524.0,"sentiment":"positive","sentiment_score":0.7152795433998108},{"text":"No.","start":2532.4949,"end":2532.9949,"sentiment":"neutral","sentiment_score":0.016344092786312103},{"text":"You did very well.","start":2533.055,"end":2534.355,"sentiment":"positive","sentiment_score":0.42238394916057587}],"sentiment":"positive","sentiment_score":0.5156409361710151,"num_words":12,"start":2517.18,"end":2534.355},{"sentences":[{"text":"Yep.","start":2539.6301,"end":2540.1301,"sentiment":"positive","sentiment_score":0.35050177574157715},{"text":"Beautiful.","start":2540.4302,"end":2540.9302,"sentiment":"positive","sentiment_score":0.6710234880447388},{"text":"Fantastic.","start":2542.83,"end":2543.33,"sentiment":"positive","sentiment_score":0.799667477607727},{"text":"Well, I will let you go to enjoy your day.","start":2543.6301,"end":2545.6301,"sentiment":"positive","sentiment_score":0.7687345266342163},{"text":"Enjoy the rest of your week.","start":2545.6301,"end":2547.33,"sentiment":"positive","sentiment_score":0.7159052987893423}],"sentiment":"positive","sentiment_score":0.7265247263406452,"num_words":19,"start":2539.6301,"end":2547.33},{"sentences":[{"text":"Hopefully, it's nice and sunny out there.","start":2547.47,"end":2549.4102,"sentiment":"positive","sentiment_score":0.7148096220833915},{"text":"Fantastic.","start":2553.335,"end":2553.835,"sentiment":"positive","sentiment_score":0.7648075819015503},{"text":"Excellent.","start":2554.535,"end":2555.035,"sentiment":"positive","sentiment_score":0.6857414841651917},{"text":"Well, I'll get cracking on this reset, and I'll talk to you on the seventeenth at 9AM to go through the advice document.","start":2555.415,"end":2561.035,"sentiment":"neutral","sentiment_score":0.2968996782665667},{"text":"Thank you, Catherine.","start":2563.449,"end":2564.349,"sentiment":"positive","sentiment_score":0.635491410891215}],"sentiment":"positive","sentiment_score":0.4339823786701475,"num_words":35,"start":2547.47,"end":2564.349},{"sentences":[{"text":"Enjoy your day.","start":2564.409,"end":2565.289,"sentiment":"positive","sentiment_score":0.5347736676534017},{"text":"Appreciate your time.","start":2565.289,"end":2566.429,"sentiment":"positive","sentiment_score":0.38507023453712463},{"text":"Thanks.","start":2566.809,"end":2567.209,"sentiment":"positive","sentiment_score":0.40654706954956055},{"text":"See you later.","start":2567.209,"end":2567.929,"sentiment":"neutral","sentiment_score":0.30198243260383606},{"text":"Bye.","start":2567.929,"end":2568.429,"sentiment":"neutral","sentiment_score":-0.0945565029978752}],"sentiment":"positive","sentiment_score":0.36158814281225204,"num_words":11,"start":2564.409,"end":2568.429}]}}]},{"alternatives":[{"transcript":"Hello. And you? I'm well. And yourself? I'm sitting here already because I've put nine in my diary, and sometimes I do that oh, that's okay. Sometimes I do that myself to fool myself so I make sure I'm ready. Yeah. No. I that'd be fine. Absolutely. Sure. You've got AI doing it now for you. Not quite. Fair enough. Catherine Margaret Seba. Twenty two ten nineteen sixty five. 49 Lake Hart Drive, Beechmere. Yes. Yep. So So we've still got the investment properties. Yeah. So what we've you know, we're having to draw off to to live on it. We're we're paying a high percentage in tax on it. So we've done a bit of research, and I thought I'll come, you know, send me prepared to you. And the our thoughts have sort of been if we do the account based one, so we sort of have an annual amount that we've, you know, we've got it as our budget to live on. And then we put as much back into super as we possibly can while we're in this little window of over 60 and not 67 yet and making the most of that. So that's kind of our intent. Yeah. Yeah. Yeah. It seems good. Well, we've we've actually but well, we've estimated it now at 36. So it's making the middle pretty much. Yeah. Yeah. So as far as moving into pension phase, so would we just move, you know, for example, 36,000 a year cost? Is that how it works? So are you still are you still earning on the funds that are in the account, like the pension phase part? So are you still making, you know, earning money on what's sitting in the so it's still being invested as such. It's it's just you've got access to it. Yeah. Okay. Yeah. Yeah. Yeah. Okay. So for example, I can't remember how much is in there. I did look it up the other day, but my retention is poor at the moment. So there's about $2.70 in the account at the moment. Is that right? Yep. Okay. So for example, if I was to say, let's take 250 into pension pay, and then that means I have to take what's 5%, make it easy, is what's 5% of '25 250,000? So that's 5%. So I have to take that down how frequently? Okay. So for example, if I Yeah. So so for this year, for example, if I actually went, okay. Well, let's put the $2.50 in now, and I don't know if we're gonna oh, it's only the third. We might work there. And then I I just take the 12,500 out this year. So I've got a nice little savings to come play with. And then, yeah, I'll probably do a monthly drawdown of probably $3 a month or something, which we accept about 36. I think it's yeah. That that would sort of be the plan. If it if it if it's possible. Yeah. Yeah. Okay. So can I just get clear and write some notes down? So now that I've spoken to you, I've got a clearer understanding. So the balance, which in this case will still be 21,000 in there, that will be in superannuation phase. And that yep. Okay. And that yep. That's okay. I'll use the right term. And that's the that's been taxed and CGT on any profits. Is that right? And on any, you know, activity or hopefully, it's profit. And then one the $2.50 k that's in a pension phase. Is that what is that the right and so then that also is earning interest or getting dividends depending on what we invest in. So it's still in business, but it doesn't accumulate any tax or CGT or okay. Okay. And then whatever that balance is, a minimum of 4%, 5%, whatever. I just made it five just to make it easy. Each year has to be drawn down. Now if I if I saw it, oh, look at that really lovely boat I want it. Could I go, oh, actually, I want 200,000. Is that possible too? Yeah. Yes. Yeah. Yeah. Yep. Okay. Yeah. Okay. So then when I continue to contribute to my super, I'll be putting it in the accumulating balance. Correct? Yep. And, obviously, then it's got the tax advantage of paying 15% on the way in. And then, obviously, then it'll still get taxed on any earnings that may produce. What happens if I do some work? Okay. Yeah. Okay. I'd I'd probably only ever work under an ADN anyway, so I'm more likely to go through the company if there is anything that I do do. Okay. Well, I think you pretty much answered all my questions with that. Yeah. Yep. No. No. It it makes me I think I've done enough research now to kinda to get it. But now that I've spoken to you and I've been able to repeat to you what you've told me, I feel more comfortable and that I've learned correctly. Because sometimes it's a bit overwhelming. Yeah. Very good. So is there anything else we need to do as part of the annual review? Oh, no. No. I've I've I've yeah. We're we're actually we're on full coverage where we are now for the next five weeks. And I was yeah. Yeah. So we're we're doing a lot of volunteer work, which, you know, obviously, I don't get paid, but it'll cover our costs for accommodation quite often in power and water. And, you know, we'll just sort of, like, at the moment, we're at a CNCI park in Thunderbird. We're the custodians, so we check everybody in. Fifty days, we're busy as well, and we thought, yeah, we're not even gonna pay for that. Yeah. So it was really cool. Yeah. So we're here for five weeks, and then we've got a couple of weeks break, and we'll wander up to Ingham. And we'll do the same there again at at the CNCA Park. And then break in between, and we do in the South. Yeah. Exactly. And, you know, we're doing day trips and, you know, getting out and about. And and, you know, to me, the biggest enjoyment I get out of traveling is the other people that you meet. That's actually my passion for it is the, yeah, the stories that you hear from others. And then, you know, finding out really cool places to go that aren't on the sort of, you know, list, so to speak. Yeah. The only the only downside, it's a very limited space for a couple. And the the caravan doesn't come with a shed. You know? Yeah. Yeah. It's working out really well. So that's yeah. It's it's we don't have a base. So we possibly may draw down on a paper to get a base. We just don't know where we wanna. We we would like to keep it. Try and get it up to the 36 if we can. So yeah. Like, so this month, for example, I think because I got two of us. Yeah. We had being end of financial year, we kind of ended out having to get a whole lot of repairs and maintenance done. So but usually, my yeah. It'll be about two and a half, I would say, going in each month at least. Yeah. Oh, okay. That's good to know. Yeah. Yep. That's pretty good. Yeah. Yeah. Yeah. And we'll probably do that on a monthly basis. So we'll probably take three out and put two of them. Yep. Oh, yeah. Oh, that's good. Yeah. Yeah. Yeah. Yeah. No. That's good. Because the other issue I have is potentially, like, we spent six months back in New Zealand. So at the moment, I'm considered a dual resident. I don't know where it froze me in the tax circle. You know, I believe you've got four years, and I've got Chris doing some more research on that for me. Whether that's practical because I believe you've got four years to either sell your assets or you then become a I'm no longer a resident of Australia whereas at the moment, I'm a Jew, but I think that's got a window. So yeah, we've just sort of gotta figure that out as well. And it's sort of like we're we're sort of thinking coming up to the Olympics, it'll probably be time to sell one of the properties. And that's once again. So if, for example, we sold one of the properties and put some of that money into super, then if we did it before the age of 67, could we then put some of that into the pension phased account? Yeah. Okay. Yeah. Yeah. Well, lots of it like it, isn't it? Oh, okay. Because at the moment, I don't believe well, I know I'm not in top of Super anyway, like, the government attention. But if if I do stay in New Zealand for at least a hundred and eighty two days or whatever it is, a year, then I'm entitled to New Zealand Super because I was born there and I was there and, you know, obviously, I paid tax until I came here. And then like, the biggest entitlement is 65, but it's not means tested. And and then I believe that once I hit 67, Australia will actually contribute to New Zealand to pay my super. That's what I believe. But I don't trying to find the right person to ask all that sort of stuff that knows both system. It's really hard. Got a lot of phone calls. Yeah. Yeah. Yeah. That that's right. And yeah. It's it's a dual residency thing that I'm a bit stuck on well, but I'll I'll probably ring Centrelink. I think that'd probably be the best people to yeah. I think so. That's where I because they're all connected to the tax department. So that that that's what I want. That's what I want. They just want to make sure that we pay the tax. And if we yeah. Okay. That sounds really good. Yeah. That'll be great. Thank you. That would be wonderful. Are you yes. It's great in New Zealand. You can actually go in, make an appointment, and it might be a week away, but you then you can actually sit with people. And they give you as much it's fantastic. Yeah. No. Anyway right. So that's that's part of it covered. So what do we need to look at for the rest of our review? Yeah. Do we actually want to be realistic on market value? Yeah. I'd put it probably at $9.25 at the moment, but we'll probably if we buy another property, we'll drag that out. Yeah. That's right. Yep. Okay. Yeah. I'll probably put that to $9.25. Yeah. We don't own anything hardly now. It's probably it's probably one necklace that's worth about 3,000. Yeah. That's right. Yep. Let me put a $5,000 metric in it, so we probably should take that up to 25. I tell you, it's fantastic. It's bloody buttoned boobs and it's pretty great night sleep. Well, it's still in our name. We they use it, and we for the, you know, rego and insurance, they pay for the fuel. So it's just keeping it on the road and then, you know, when we are in Brisbane, we borrow it. Yeah. Yeah. Yeah. That's the best. Yep. Yep. Yeah. Yep. Yep. Hey. I might I'm just waiting for my solicitor to come back to us so they are updated well. But, anyway yep. It is. Yep. That's fine. Yeah. Yeah. Yep. Got it. Yep. Mhmm. Mhmm. This stage, you know, when you're starting to draw down, you could think of it differently, don't you? Normally, I would probably take the higher risk avenue, but I probably become more conservative, I guess. I think I would probably because what what's my investment, you know, label for one of the what what have I got at at the moment? I know I'm not conservative. Yeah. Yeah. Yeah. I agree. Yeah. I think we're on the same page on that. Yes. I think that sounds is there an option that you can sort of say, well, on 5%, we don't mind if we run a high risk or is it kind of then you've got one foot on each side and you've got fees and a whole lot anyway? Yep. Yep. Yep. Yeah. Yep. I get that. So yeah. Carry on. I do have one question. Write it down for the end. So at the moment, we've got because I sold some shares, money in the bank. And now we intend to buy a property, but we haven't found one. And those funds have been sitting in my bank for, you know, nearly twelve months and making about, you know, a thousand dollars a month in interest just through the bank. So it's highest that you can and still have access to it. So I can't remember. It's about 4% probably. And I'm just wondering whether there's a better option for that. Yeah. Yeah. Yep. Yep. No. It's not perfect. It's exactly what you know, I I thought, but I thought it was no really. Mhmm. Yep. Yep. Interesting. It's it's hard to get your head around the fact that you're aging. Probably yeah. Probably the last one, really. I can still at this point, I'm not the middle one yet. That makes you? That makes sense to you? Yeah. I'll go medium now. Yeah. No. I wouldn't do that again. Yeah. Well, I think because we still got funds coming in from the investment and they're gonna be but we can afford a little bit of risk. So maybe that staggered approach is the better way for my situation. Yeah. Yeah. Yeah. Mhmm. Yeah. Yep. Absolutely. Differently. Four now, probably. Yeah. Yeah. Yep. I'm sure what? I'll just check my diary. Can we what can we make it the seventeenth or Wednesday? It's Monday on definitely in the morning. Yep. I that's fine. Yep. Yeah. Fantastic. Yep. Yeah. Yeah. Wonderful. Dana, as always, you've been outstanding. I appreciate help helping me get my head around at all. I'm finding that my research wasn't, you know, completely off the beaten track. So yeah. But I'm I'm quite comfortable with where we're heading. So yeah. Awesome. Beautiful out there. It's it's a spectacular day. Thank you so much. Okay. You too. 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And you? I'm well. And yourself? I'm sitting here already because I've put nine in my diary, and sometimes I do that oh, that's okay.\n\nSometimes I do that myself to fool myself so I make sure I'm ready. Yeah. No. I that'd be fine. Absolutely.\n\nSure. You've got AI doing it now for you. Not quite. Fair enough. Catherine Margaret Seba.\n\nTwenty two ten nineteen sixty five. 49 Lake Hart Drive, Beechmere. Yes. Yep. So So we've still got the investment properties.\n\nYeah. So what we've you know, we're having to draw off to to live on it. We're we're paying a high percentage in tax on it. So we've done a bit of research, and I thought I'll come, you know, send me prepared to you. And the our thoughts have sort of been if we do the account based one, so we sort of have an annual amount that we've, you know, we've got it as our budget to live on.\n\nAnd then we put as much back into super as we possibly can while we're in this little window of over 60 and not 67 yet and making the most of that. So that's kind of our intent. Yeah. Yeah. Yeah.\n\nIt seems good. Well, we've we've actually but well, we've estimated it now at 36. So it's making the middle pretty much. Yeah. Yeah.\n\nSo as far as moving into pension phase, so would we just move, you know, for example, 36,000 a year cost? Is that how it works? So are you still are you still earning on the funds that are in the account, like the pension phase part? So are you still making, you know, earning money on what's sitting in the so it's still being invested as such. It's it's just you've got access to it.\n\nYeah. Okay. Yeah. Yeah. Yeah.\n\nOkay. So for example, I can't remember how much is in there. I did look it up the other day, but my retention is poor at the moment. So there's about $2.70 in the account at the moment. Is that right?\n\nYep. Okay. So for example, if I was to say, let's take 250 into pension pay, and then that means I have to take what's 5%, make it easy, is what's 5% of '25 250,000? So that's 5%. So I have to take that down how frequently?\n\nOkay. So for example, if I Yeah. So so for this year, for example, if I actually went, okay. Well, let's put the $2.50 in now, and I don't know if we're gonna oh, it's only the third. We might work there.\n\nAnd then I I just take the 12,500 out this year. So I've got a nice little savings to come play with. And then, yeah, I'll probably do a monthly drawdown of probably $3 a month or something, which we accept about 36. I think it's yeah. That that would sort of be the plan.\n\nIf it if it if it's possible. Yeah. Yeah. Okay. So can I just get clear and write some notes down?\n\nSo now that I've spoken to you, I've got a clearer understanding. So the balance, which in this case will still be 21,000 in there, that will be in superannuation phase. And that yep. Okay. And that yep.\n\nThat's okay. I'll use the right term. And that's the that's been taxed and CGT on any profits. Is that right? And on any, you know, activity or hopefully, it's profit.\n\nAnd then one the $2.50 k that's in a pension phase. Is that what is that the right and so then that also is earning interest or getting dividends depending on what we invest in. So it's still in business, but it doesn't accumulate any tax or CGT or okay. Okay. And then whatever that balance is, a minimum of 4%, 5%, whatever.\n\nI just made it five just to make it easy. Each year has to be drawn down. Now if I if I saw it, oh, look at that really lovely boat I want it. Could I go, oh, actually, I want 200,000. Is that possible too?\n\nYeah. Yes. Yeah. Yeah. Yep.\n\nOkay. Yeah. Okay. So then when I continue to contribute to my super, I'll be putting it in the accumulating balance. Correct?\n\nYep. And, obviously, then it's got the tax advantage of paying 15% on the way in. And then, obviously, then it'll still get taxed on any earnings that may produce. What happens if I do some work? Okay.\n\nYeah. Okay. I'd I'd probably only ever work under an ADN anyway, so I'm more likely to go through the company if there is anything that I do do. Okay. Well, I think you pretty much answered all my questions with that.\n\nYeah. Yep. No. No. It it makes me I think I've done enough research now to kinda to get it.\n\nBut now that I've spoken to you and I've been able to repeat to you what you've told me, I feel more comfortable and that I've learned correctly. Because sometimes it's a bit overwhelming. Yeah. Very good. So is there anything else we need to do as part of the annual review?\n\nOh, no. No. I've I've I've yeah. We're we're actually we're on full coverage where we are now for the next five weeks. And I was yeah.\n\nYeah. So we're we're doing a lot of volunteer work, which, you know, obviously, I don't get paid, but it'll cover our costs for accommodation quite often in power and water. And, you know, we'll just sort of, like, at the moment, we're at a CNCI park in Thunderbird. We're the custodians, so we check everybody in. Fifty days, we're busy as well, and we thought, yeah, we're not even gonna pay for that.\n\nYeah. So it was really cool. Yeah. So we're here for five weeks, and then we've got a couple of weeks break, and we'll wander up to Ingham. And we'll do the same there again at at the CNCA Park.\n\nAnd then break in between, and we do in the South. Yeah. Exactly. And, you know, we're doing day trips and, you know, getting out and about. And and, you know, to me, the biggest enjoyment I get out of traveling is the other people that you meet.\n\nThat's actually my passion for it is the, yeah, the stories that you hear from others. And then, you know, finding out really cool places to go that aren't on the sort of, you know, list, so to speak. Yeah. The only the only downside, it's a very limited space for a couple. And the the caravan doesn't come with a shed.\n\nYou know? Yeah. Yeah. It's working out really well. So that's yeah.\n\nIt's it's we don't have a base. So we possibly may draw down on a paper to get a base. We just don't know where we wanna. We we would like to keep it. Try and get it up to the 36 if we can.\n\nSo yeah. Like, so this month, for example, I think because I got two of us. Yeah. We had being end of financial year, we kind of ended out having to get a whole lot of repairs and maintenance done. So but usually, my yeah.\n\nIt'll be about two and a half, I would say, going in each month at least. Yeah. Oh, okay. That's good to know. Yeah.\n\nYep. That's pretty good. Yeah. Yeah. Yeah.\n\nAnd we'll probably do that on a monthly basis. So we'll probably take three out and put two of them. Yep. Oh, yeah. Oh, that's good.\n\nYeah. Yeah. Yeah. Yeah. No.\n\nThat's good. Because the other issue I have is potentially, like, we spent six months back in New Zealand. So at the moment, I'm considered a dual resident. I don't know where it froze me in the tax circle. You know, I believe you've got four years, and I've got Chris doing some more research on that for me.\n\nWhether that's practical because I believe you've got four years to either sell your assets or you then become a I'm no longer a resident of Australia whereas at the moment, I'm a Jew, but I think that's got a window. So yeah, we've just sort of gotta figure that out as well. And it's sort of like we're we're sort of thinking coming up to the Olympics, it'll probably be time to sell one of the properties. And that's once again. So if, for example, we sold one of the properties and put some of that money into super, then if we did it before the age of 67, could we then put some of that into the pension phased account?\n\nYeah. Okay. Yeah. Yeah. Well, lots of it like it, isn't it?\n\nOh, okay. Because at the moment, I don't believe well, I know I'm not in top of Super anyway, like, the government attention. But if if I do stay in New Zealand for at least a hundred and eighty two days or whatever it is, a year, then I'm entitled to New Zealand Super because I was born there and I was there and, you know, obviously, I paid tax until I came here. And then like, the biggest entitlement is 65, but it's not means tested. And and then I believe that once I hit 67, Australia will actually contribute to New Zealand to pay my super.\n\nThat's what I believe. But I don't trying to find the right person to ask all that sort of stuff that knows both system. It's really hard. Got a lot of phone calls. Yeah.\n\nYeah. Yeah. That that's right. And yeah. It's it's a dual residency thing that I'm a bit stuck on well, but I'll I'll probably ring Centrelink.\n\nI think that'd probably be the best people to yeah. I think so. That's where I because they're all connected to the tax department. So that that that's what I want. That's what I want.\n\nThey just want to make sure that we pay the tax. And if we yeah. Okay. That sounds really good. Yeah.\n\nThat'll be great. Thank you. That would be wonderful. Are you yes. It's great in New Zealand.\n\nYou can actually go in, make an appointment, and it might be a week away, but you then you can actually sit with people. And they give you as much it's fantastic. Yeah. No. Anyway right.\n\nSo that's that's part of it covered. So what do we need to look at for the rest of our review? Yeah. Do we actually want to be realistic on market value? Yeah.\n\nI'd put it probably at $9.25 at the moment, but we'll probably if we buy another property, we'll drag that out. Yeah. That's right. Yep. Okay.\n\nYeah. I'll probably put that to $9.25. Yeah. We don't own anything hardly now. It's probably it's probably one necklace that's worth about 3,000.\n\nYeah. That's right. Yep. Let me put a $5,000 metric in it, so we probably should take that up to 25. I tell you, it's fantastic.\n\nIt's bloody buttoned boobs and it's pretty great night sleep. Well, it's still in our name. We they use it, and we for the, you know, rego and insurance, they pay for the fuel. So it's just keeping it on the road and then, you know, when we are in Brisbane, we borrow it. Yeah.\n\nYeah. Yeah. That's the best. Yep. Yep.\n\nYeah. Yep. Yep. Hey. I might I'm just waiting for my solicitor to come back to us so they are updated well.\n\nBut, anyway yep. It is. Yep. That's fine. Yeah.\n\nYeah. Yep. Got it. Yep. Mhmm.\n\nMhmm. This stage, you know, when you're starting to draw down, you could think of it differently, don't you? Normally, I would probably take the higher risk avenue, but I probably become more conservative, I guess. I think I would probably because what what's my investment, you know, label for one of the what what have I got at at the moment? I know I'm not conservative.\n\nYeah. Yeah. Yeah. I agree. Yeah.\n\nI think we're on the same page on that. Yes. I think that sounds is there an option that you can sort of say, well, on 5%, we don't mind if we run a high risk or is it kind of then you've got one foot on each side and you've got fees and a whole lot anyway? Yep. Yep.\n\nYep. Yeah. Yep. I get that. So yeah.\n\nCarry on. I do have one question. Write it down for the end. So at the moment, we've got because I sold some shares, money in the bank. And now we intend to buy a property, but we haven't found one.\n\nAnd those funds have been sitting in my bank for, you know, nearly twelve months and making about, you know, a thousand dollars a month in interest just through the bank. So it's highest that you can and still have access to it. So I can't remember. It's about 4% probably. And I'm just wondering whether there's a better option for that.\n\nYeah. Yeah. Yep. Yep. No.\n\nIt's not perfect. It's exactly what you know, I I thought, but I thought it was no really. Mhmm. Yep. Yep.\n\nInteresting. It's it's hard to get your head around the fact that you're aging. Probably yeah. Probably the last one, really. I can still at this point, I'm not the middle one yet.\n\nThat makes you? That makes sense to you? Yeah. I'll go medium now. Yeah.\n\nNo. I wouldn't do that again. Yeah. Well, I think because we still got funds coming in from the investment and they're gonna be but we can afford a little bit of risk. So maybe that staggered approach is the better way for my situation.\n\nYeah. Yeah. Yeah. Mhmm. Yeah.\n\nYep. Absolutely. Differently. Four now, probably. Yeah.\n\nYeah. Yep. I'm sure what? I'll just check my diary. Can we what can we make it the seventeenth or Wednesday?\n\nIt's Monday on definitely in the morning. Yep. I that's fine. Yep. Yeah.\n\nFantastic. Yep. Yeah. Yeah. Wonderful.\n\nDana, as always, you've been outstanding. I appreciate help helping me get my head around at all. I'm finding that my research wasn't, you know, completely off the beaten track. So yeah. But I'm I'm quite comfortable with where we're heading.\n\nSo yeah. Awesome. Beautiful out there. It's it's a spectacular day. Thank you so much.\n\nOkay. You too. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.4399999,"end":1.92,"sentiment":"neutral","sentiment_score":0.0314444899559021},{"text":"And you?","start":1.92,"end":2.6599998,"sentiment":"neutral","sentiment_score":0.029908813536167145},{"text":"I'm well.","start":5.92,"end":6.48,"sentiment":"neutral","sentiment_score":0.32961317896842957},{"text":"And yourself?","start":6.48,"end":7.22,"sentiment":"neutral","sentiment_score":0.20825976133346558},{"text":"I'm sitting here already because I've put nine in my diary, and sometimes I do that oh, that's okay.","start":19.494999,"end":24.775,"sentiment":"neutral","sentiment_score":-0.07057931607491091}],"sentiment":"neutral","sentiment_score":-0.006692269530433875,"num_words":26,"start":1.4399999,"end":24.775},{"sentences":[{"text":"Sometimes I do that myself to fool myself so I make sure I'm ready.","start":24.775,"end":28.075,"sentiment":"neutral","sentiment_score":-0.11757417608584676},{"text":"Yeah.","start":28.375,"end":28.695,"sentiment":"neutral","sentiment_score":-0.01649448089301586},{"text":"No.","start":28.695,"end":28.935,"sentiment":"neutral","sentiment_score":-0.0741105005145073},{"text":"I that'd be fine.","start":28.935,"end":30.154999,"sentiment":"neutral","sentiment_score":0.262352891266346},{"text":"Absolutely.","start":40.77,"end":41.27,"sentiment":"neutral","sentiment_score":0.22866661846637729}],"sentiment":"neutral","sentiment_score":-0.02183644109893413,"num_words":21,"start":24.775,"end":41.27},{"sentences":[{"text":"Sure.","start":42.05,"end":42.29,"sentiment":"neutral","sentiment_score":0.278268039226532},{"text":"You've got AI doing it now for you.","start":42.29,"end":44.629997,"sentiment":"neutral","sentiment_score":0.28910335525870323},{"text":"Not quite.","start":46.095,"end":46.915,"sentiment":"neutral","sentiment_score":-0.13702910766005516},{"text":"Fair enough.","start":49.935,"end":50.595,"sentiment":"neutral","sentiment_score":0.13543923944234848},{"text":"Catherine Margaret Seba.","start":59.375,"end":60.640003,"sentiment":"neutral","sentiment_score":0.021255237360795338}],"sentiment":"neutral","sentiment_score":0.16573005355894566,"num_words":16,"start":42.05,"end":60.640003},{"sentences":[{"text":"Twenty two ten nineteen sixty five.","start":60.640003,"end":62.4,"sentiment":"neutral","sentiment_score":0.013875906355679035},{"text":"49 Lake Hart Drive, Beechmere.","start":62.4,"end":64.18,"sentiment":"neutral","sentiment_score":0.01728818565607071},{"text":"Yes.","start":76.455,"end":76.955,"sentiment":"neutral","sentiment_score":0.06400685012340546},{"text":"Yep.","start":81.815,"end":82.315,"sentiment":"neutral","sentiment_score":0.05619312450289726},{"text":"So So we've still got the investment properties.","start":90.615005,"end":92.99,"sentiment":"neutral","sentiment_score":0.04611867410130799}],"sentiment":"neutral","sentiment_score":0.0313736063738664,"num_words":21,"start":60.640003,"end":92.99},{"sentences":[{"text":"Yeah.","start":93.93,"end":94.25,"sentiment":"neutral","sentiment_score":-0.0013339268043637276},{"text":"So what we've you know, we're having to draw off to to live on it.","start":94.25,"end":98.829994,"sentiment":"neutral","sentiment_score":-0.07448238314439853},{"text":"We're we're paying a high percentage in tax on it.","start":99.369995,"end":102.35,"sentiment":"neutral","sentiment_score":-0.16572723686695098},{"text":"So we've done a bit of research, and I thought I'll come, you know, send me prepared to you.","start":103.13,"end":109.195,"sentiment":"neutral","sentiment_score":0.14975207102926155},{"text":"And the our thoughts have sort of been if we do the account based one, so we sort of have an annual amount that we've, you know, we've got it as our budget to live on.","start":109.814995,"end":123.07,"sentiment":"neutral","sentiment_score":0.17827370493776268}],"sentiment":"neutral","sentiment_score":0.080090131909575,"num_words":81,"start":93.93,"end":123.07},{"sentences":[{"text":"And then we put as much back into super as we possibly can while we're in this little window of over 60 and not 67 yet and making the most of that.","start":123.07,"end":139.065,"sentiment":"neutral","sentiment_score":0.2670889536384493},{"text":"So that's kind of our intent.","start":139.065,"end":140.52501,"sentiment":"neutral","sentiment_score":0.3061120795706908},{"text":"Yeah.","start":156.63,"end":157.13,"sentiment":"neutral","sentiment_score":0.03222545236349106},{"text":"Yeah.","start":157.19,"end":157.69,"sentiment":"neutral","sentiment_score":0.019108962267637253},{"text":"Yeah.","start":160.23,"end":160.73,"sentiment":"neutral","sentiment_score":0.08763359487056732}],"sentiment":"neutral","sentiment_score":0.2566460244721029,"num_words":41,"start":123.07,"end":160.73},{"sentences":[{"text":"It seems good.","start":161.235,"end":165.735,"sentiment":"neutral","sentiment_score":0.14518943428993225},{"text":"Well, we've we've actually but well, we've estimated it now at 36.","start":167.155,"end":172.295,"sentiment":"neutral","sentiment_score":0.06323612427028517},{"text":"So it's making the middle pretty much.","start":172.355,"end":174.775,"sentiment":"neutral","sentiment_score":0.09640485261167799},{"text":"Yeah.","start":175.81999,"end":176.31999,"sentiment":"neutral","sentiment_score":0.09229369461536407},{"text":"Yeah.","start":211.81,"end":212.20999,"sentiment":"neutral","sentiment_score":0.04247083514928818}],"sentiment":"neutral","sentiment_score":0.08350001217331737,"num_words":24,"start":161.235,"end":212.20999},{"sentences":[{"text":"So as far as moving into pension phase, so would we just move, you know, for example, 36,000 a year cost?","start":212.20999,"end":222.05501,"sentiment":"neutral","sentiment_score":0.029439677129543963},{"text":"Is that how it works?","start":222.51501,"end":223.65501,"sentiment":"neutral","sentiment_score":0.07419252470135689},{"text":"So are you still are you still earning on the funds that are in the account, like the pension phase part?","start":243.84,"end":252.155,"sentiment":"neutral","sentiment_score":0.1511986805569558},{"text":"So are you still making, you know, earning money on what's sitting in the so it's still being invested as such.","start":256.615,"end":264.78,"sentiment":"neutral","sentiment_score":0.08296710093106542},{"text":"It's it's just you've got access to it.","start":264.78,"end":266.8,"sentiment":"neutral","sentiment_score":0.22697771713137627}],"sentiment":"neutral","sentiment_score":0.10161182883587715,"num_words":76,"start":212.20999,"end":266.8},{"sentences":[{"text":"Yeah.","start":268.38,"end":268.88,"sentiment":"neutral","sentiment_score":0.31208306550979614},{"text":"Okay.","start":296.1,"end":296.6,"sentiment":"neutral","sentiment_score":0.07102698087692261},{"text":"Yeah.","start":298.02002,"end":298.52002,"sentiment":"neutral","sentiment_score":0.028461109846830368},{"text":"Yeah.","start":310.03497,"end":310.53497,"sentiment":"neutral","sentiment_score":0.08568008244037628},{"text":"Yeah.","start":326.6,"end":326.92,"sentiment":"neutral","sentiment_score":0.10623037815093994}],"sentiment":"neutral","sentiment_score":0.12069632336497307,"num_words":5,"start":268.38,"end":326.92},{"sentences":[{"text":"Okay.","start":326.92,"end":327.42,"sentiment":"neutral","sentiment_score":0.09811566770076752},{"text":"So for example, I can't remember how much is in there.","start":339.395,"end":342.9,"sentiment":"neutral","sentiment_score":0.0934152521870353},{"text":"I did look it up the other day, but my retention is poor at the moment.","start":342.9,"end":346.1,"sentiment":"neutral","sentiment_score":-0.08968448860105127},{"text":"So there's about $2.70 in the account at the moment.","start":346.1,"end":349.7,"sentiment":"neutral","sentiment_score":-0.08769887983798981},{"text":"Is that right?","start":349.7,"end":350.6,"sentiment":"neutral","sentiment_score":0.016314631948868435}],"sentiment":"neutral","sentiment_score":-0.027739348253462373,"num_words":41,"start":326.92,"end":350.6},{"sentences":[{"text":"Yep.","start":354.02,"end":354.52,"sentiment":"neutral","sentiment_score":0.15626634657382965},{"text":"Okay.","start":369.66,"end":369.82,"sentiment":"neutral","sentiment_score":0.07058268785476685},{"text":"So for example, if I was to say, let's take 250 into pension pay, and then that means I have to take 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gonna oh, it's only the third.","start":417.01498,"end":422.055,"sentiment":"neutral","sentiment_score":0.04552102784969305},{"text":"We might work there.","start":422.055,"end":423.09,"sentiment":"neutral","sentiment_score":0.12324314564466476}],"sentiment":"neutral","sentiment_score":0.038919225778608096,"num_words":42,"start":409.72,"end":423.09},{"sentences":[{"text":"And then I I just take the 12,500 out this year.","start":423.16998,"end":426.94998,"sentiment":"neutral","sentiment_score":0.22500533000989395},{"text":"So I've got a nice little savings to come play with.","start":427.73,"end":430.94998,"sentiment":"positive","sentiment_score":0.45108200203288684},{"text":"And then, yeah, I'll probably do a monthly drawdown of probably $3 a month or something, which we accept about 36.","start":431.49,"end":438.22998,"sentiment":"neutral","sentiment_score":0.13264905909697214},{"text":"I think it's yeah.","start":438.565,"end":440.185,"sentiment":"neutral","sentiment_score":0.17234034091234207},{"text":"That that would sort of be the plan.","start":441.845,"end":444.025,"sentiment":"neutral","sentiment_score":0.0385458143427968}],"sentiment":"neutral","sentiment_score":0.20400579585270448,"num_words":55,"start":423.16998,"end":444.025},{"sentences":[{"text":"If it if it if it's possible.","start":451.76498,"end":454.50998,"sentiment":"neutral","sentiment_score":-0.048685833013483455},{"text":"Yeah.","start":455.21,"end":455.71,"sentiment":"neutral","sentiment_score":0.25470268726348877},{"text":"Yeah.","start":461.77,"end":462.27,"sentiment":"neutral","sentiment_score":0.28298598527908325},{"text":"Okay.","start":472.105,"end":472.505,"sentiment":"neutral","sentiment_score":0.07568812370300293},{"text":"So can I just get clear and write some notes 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yep.","start":499.865,"end":501.145,"sentiment":"neutral","sentiment_score":0.20272218684355417}],"sentiment":"neutral","sentiment_score":0.1446518873991935,"num_words":38,"start":477.065,"end":501.145},{"sentences":[{"text":"That's okay.","start":501.145,"end":501.705,"sentiment":"neutral","sentiment_score":0.24017745256423947},{"text":"I'll use the right term.","start":501.705,"end":503.085,"sentiment":"neutral","sentiment_score":0.15968242287635803},{"text":"And that's the that's been taxed and CGT on any profits.","start":503.465,"end":509.75,"sentiment":"neutral","sentiment_score":0.052582876926118675},{"text":"Is that right?","start":509.75,"end":510.65002,"sentiment":"neutral","sentiment_score":0.08139895896116893},{"text":"And on any, you know, activity or hopefully, it's profit.","start":513.27,"end":518.25,"sentiment":"neutral","sentiment_score":0.11002938747406006}],"sentiment":"neutral","sentiment_score":0.10327965862328006,"num_words":31,"start":501.145,"end":518.25},{"sentences":[{"text":"And then one the $2.50 k that's in a pension phase.","start":521.57495,"end":526.375,"sentiment":"neutral","sentiment_score":0.1516292162916877},{"text":"Is that what is that the right and so then that also is earning interest or getting dividends depending on what we invest in.","start":526.375,"end":540.56,"sentiment":"neutral","sentiment_score":0.1755330100034674},{"text":"So it's still in business, but it doesn't accumulate any tax or CGT or okay.","start":540.77997,"end":551.485,"sentiment":"neutral","sentiment_score":0.06528830404082935},{"text":"Okay.","start":551.485,"end":551.985,"sentiment":"neutral","sentiment_score":0.1410003900527954},{"text":"And then whatever that balance is, a minimum of 4%, 5%, whatever.","start":552.28503,"end":560.465,"sentiment":"neutral","sentiment_score":0.1348168614010016}],"sentiment":"neutral","sentiment_score":0.13680699852014344,"num_words":63,"start":521.57495,"end":560.465},{"sentences":[{"text":"I just made it five just to make it easy.","start":560.605,"end":562.625,"sentiment":"neutral","sentiment_score":0.26599133014678955},{"text":"Each year has to be drawn down.","start":562.71,"end":566.25,"sentiment":"neutral","sentiment_score":-0.047483784279653},{"text":"Now if I if I saw it, oh, look at that really lovely boat I want it.","start":566.79004,"end":571.29004,"sentiment":"positive","sentiment_score":0.42641346244251027},{"text":"Could I go, oh, actually, I want 200,000.","start":571.83,"end":574.73004,"sentiment":"neutral","sentiment_score":0.3196299076080322},{"text":"Is that possible 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then when I continue to contribute to my super, I'll be putting it in the accumulating balance.","start":624.93,"end":632.375,"sentiment":"neutral","sentiment_score":0.12931286378039253},{"text":"Correct?","start":632.375,"end":632.875,"sentiment":"neutral","sentiment_score":0.0978180095553398}],"sentiment":"neutral","sentiment_score":0.12147232449867508,"num_words":22,"start":619.25,"end":632.875},{"sentences":[{"text":"Yep.","start":635.095,"end":635.575,"sentiment":"neutral","sentiment_score":0.11559055745601654},{"text":"And, obviously, then it's got the tax advantage of paying 15% on the way in.","start":635.575,"end":641.035,"sentiment":"neutral","sentiment_score":0.14158411224683126},{"text":"And then, obviously, then it'll still get taxed on any earnings that may produce.","start":642.80005,"end":647.06006,"sentiment":"neutral","sentiment_score":0.11404345450656754},{"text":"What happens if I do some work?","start":649.44,"end":653.7,"sentiment":"neutral","sentiment_score":0.04830984079412052},{"text":"Okay.","start":668.02496,"end":668.52496,"sentiment":"neutral","sentiment_score":0.08960172533988953}],"sentiment":"neutral","sentiment_score":0.11220345303024117,"num_words":38,"start":635.095,"end":668.52496},{"sentences":[{"text":"Yeah.","start":676.4,"end":676.9,"sentiment":"neutral","sentiment_score":0.16443566977977753},{"text":"Okay.","start":682.8,"end":683.3,"sentiment":"neutral","sentiment_score":0.08132173866033554},{"text":"I'd I'd probably only ever work under an ADN anyway, so I'm more likely to go through the company if there is anything that I do do.","start":685.51495,"end":693.855,"sentiment":"neutral","sentiment_score":0.09305567152936149},{"text":"Okay.","start":693.995,"end":694.39496,"sentiment":"neutral","sentiment_score":0.13293370604515076},{"text":"Well, I think you pretty much answered all my questions with 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been able to repeat to you what you've told me, I feel more comfortable and that I've learned correctly.","start":719.115,"end":725.98004,"sentiment":"positive","sentiment_score":0.37728509094033924},{"text":"Because sometimes it's a bit overwhelming.","start":725.98004,"end":726.56,"sentiment":"neutral","sentiment_score":-0.14302495246132216},{"text":"Yeah.","start":733.18,"end":733.68,"sentiment":"neutral","sentiment_score":0.06191632151603699},{"text":"Very good.","start":741.965,"end":742.36505,"sentiment":"positive","sentiment_score":0.3919129818677902},{"text":"So is there anything else we need to do as part of the annual review?","start":742.36505,"end":745.42505,"sentiment":"neutral","sentiment_score":0.09719467585285504}],"sentiment":"neutral","sentiment_score":0.2309518318193463,"num_words":52,"start":719.115,"end":745.42505},{"sentences":[{"text":"Oh, no.","start":754.84503,"end":755.16504,"sentiment":"neutral","sentiment_score":-0.054911453276872635},{"text":"No.","start":755.16504,"end":755.48505,"sentiment":"neutral","sentiment_score":-0.08545033633708954},{"text":"I've I've I've yeah.","start":755.48505,"end":757.29,"sentiment":"neutral","sentiment_score":-0.00661887158639729},{"text":"We're we're actually we're on full coverage where we are now for the next five weeks.","start":757.29,"end":762.19,"sentiment":"neutral","sentiment_score":0.24981022346764803},{"text":"And I was yeah.","start":762.57,"end":765.77,"sentiment":"neutral","sentiment_score":0.06251019053161144}],"sentiment":"neutral","sentiment_score":0.14908354105082927,"num_words":27,"start":754.84503,"end":765.77},{"sentences":[{"text":"Yeah.","start":765.77,"end":766.01,"sentiment":"neutral","sentiment_score":0.048276446759700775},{"text":"So we're we're doing a lot of volunteer work, which, you know, obviously, I don't get paid, but it'll cover our costs for 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know where we wanna.","start":894.02997,"end":895.49,"sentiment":"neutral","sentiment_score":-0.037402711542589326},{"text":"We we would like to keep it.","start":919.735,"end":921.57,"sentiment":"neutral","sentiment_score":0.09138412454298564},{"text":"Try and get it up to the 36 if we can.","start":921.81,"end":924.31,"sentiment":"neutral","sentiment_score":0.09591765295375478}],"sentiment":"neutral","sentiment_score":0.03370768643087811,"num_words":45,"start":888.175,"end":924.31},{"sentences":[{"text":"So yeah.","start":925.89,"end":926.69,"sentiment":"neutral","sentiment_score":0.04385529085993767},{"text":"Like, so this month, for example, I think because I got two of us.","start":926.69,"end":932.63,"sentiment":"neutral","sentiment_score":0.04190982625420604},{"text":"Yeah.","start":935.535,"end":935.775,"sentiment":"neutral","sentiment_score":0.02113671600818634},{"text":"We had being end of financial year, we kind of ended out having to get a whole lot of repairs and 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account?","start":1111.155,"end":1132.39,"sentiment":"neutral","sentiment_score":0.08618073845282197}],"sentiment":"neutral","sentiment_score":0.008246072903886193,"num_words":122,"start":1076.61,"end":1132.39},{"sentences":[{"text":"Yeah.","start":1154.6699,"end":1155.07,"sentiment":"neutral","sentiment_score":0.14816409349441528},{"text":"Okay.","start":1155.07,"end":1155.57,"sentiment":"neutral","sentiment_score":0.08162122964859009},{"text":"Yeah.","start":1162.03,"end":1162.365,"sentiment":"neutral","sentiment_score":0.016576025635004044},{"text":"Yeah.","start":1163.325,"end":1163.825,"sentiment":"neutral","sentiment_score":0.02424389496445656},{"text":"Well, lots of it like it, isn't it?","start":1164.925,"end":1166.865,"sentiment":"neutral","sentiment_score":0.006037187646143138}],"sentiment":"neutral","sentiment_score":0.026575228742634256,"num_words":12,"start":1154.6699,"end":1166.865},{"sentences":[{"text":"Oh, okay.","start":1186.88,"end":1187.36,"sentiment":"neutral","sentiment_score":0.009305423125624657},{"text":"Because at the moment, I don't believe well, I know I'm not in top of Super anyway, like, the government attention.","start":1187.36,"end":1195.2251,"sentiment":"neutral","sentiment_score":-0.13271437638572284},{"text":"But if if I do stay in New Zealand for at least a hundred and eighty two days or whatever it is, a year, then I'm entitled to New Zealand Super because I was born there and I was there and, you know, obviously, I paid tax until I came here.","start":1196.245,"end":1213.65,"sentiment":"neutral","sentiment_score":0.01610634508816635},{"text":"And then like, the biggest entitlement is 65, but it's not means tested.","start":1214.1901,"end":1218.6901,"sentiment":"neutral","sentiment_score":-0.1098756964963216},{"text":"And and then I believe that once I hit 67, Australia will actually contribute to New Zealand to pay my 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great.","start":1306.66,"end":1311.325,"sentiment":"neutral","sentiment_score":0.24478997538487116},{"text":"Thank you.","start":1311.325,"end":1311.885,"sentiment":"positive","sentiment_score":0.6016469299793243},{"text":"That would be wonderful.","start":1311.885,"end":1312.7849,"sentiment":"positive","sentiment_score":0.6532629430294037},{"text":"Are you yes.","start":1319.485,"end":1320.7849,"sentiment":"neutral","sentiment_score":0.05722865089774132},{"text":"It's great in New Zealand.","start":1323.12,"end":1324.24,"sentiment":"positive","sentiment_score":0.34870903193950653}],"sentiment":"positive","sentiment_score":0.3803498041542137,"num_words":17,"start":1306.66,"end":1324.24},{"sentences":[{"text":"You can actually go in, make an appointment, and it might be a week away, but you then you can actually sit with people.","start":1324.24,"end":1331.06,"sentiment":"positive","sentiment_score":0.3523047963778178},{"text":"And they give you as much it's fantastic.","start":1331.4401,"end":1333.86,"sentiment":"positive","sentiment_score":0.6088177263736725},{"text":"Yeah.","start":1335.035,"end":1335.535,"sentiment":"neutral","sentiment_score":-0.09543560445308684},{"text":"No.","start":1337.035,"end":1337.535,"sentiment":"neutral","sentiment_score":-0.278682142496109},{"text":"Anyway right.","start":1339.195,"end":1340.715,"sentiment":"neutral","sentiment_score":-0.014020225964486599}],"sentiment":"positive","sentiment_score":0.3589916312549677,"num_words":36,"start":1324.24,"end":1340.715},{"sentences":[{"text":"So that's that's part of it covered.","start":1340.715,"end":1343.215,"sentiment":"neutral","sentiment_score":0.23167744066034043},{"text":"So what do we need to look at for the rest of our review?","start":1343.355,"end":1346.735,"sentiment":"neutral","sentiment_score":0.19441150767462595},{"text":"Yeah.","start":1356.51,"end":1357.01,"sentiment":"neutral","sentiment_score":0.04586350917816162},{"text":"Do we actually want to be realistic on market value?","start":1367.975,"end":1370.635,"sentiment":"neutral","sentiment_score":-0.008466934133321048},{"text":"Yeah.","start":1373.62,"end":1374.02,"sentiment":"neutral","sentiment_score":0.02016620337963104}],"sentiment":"neutral","sentiment_score":0.13105647161490086,"num_words":33,"start":1340.715,"end":1374.02},{"sentences":[{"text":"I'd put it probably at $9.25 at the moment, but we'll probably if we buy another property, we'll drag that out.","start":1374.02,"end":1385.0801,"sentiment":"neutral","sentiment_score":0.04323871433734894},{"text":"Yeah.","start":1386.5751,"end":1387.0751,"sentiment":"neutral","sentiment_score":0.07936105877161026},{"text":"That's right.","start":1392.0951,"end":1392.915,"sentiment":"neutral","sentiment_score":0.07383614033460617},{"text":"Yep.","start":1401.72,"end":1402.22,"sentiment":"neutral","sentiment_score":0.03272956982254982},{"text":"Okay.","start":1403.24,"end":1403.74,"sentiment":"neutral","sentiment_score":0.03616229444742203}],"sentiment":"neutral","sentiment_score":0.04630531556904316,"num_words":26,"start":1374.02,"end":1403.74},{"sentences":[{"text":"Yeah.","start":1407.64,"end":1408.14,"sentiment":"neutral","sentiment_score":0.07508683204650879},{"text":"I'll probably put that to $9.25.","start":1418.995,"end":1421.095,"sentiment":"neutral","sentiment_score":0.02934300433844328},{"text":"Yeah.","start":1431.68,"end":1432.18,"sentiment":"neutral","sentiment_score":-0.02147345431149006},{"text":"We don't own anything hardly now.","start":1432.4,"end":1434.18,"sentiment":"neutral","sentiment_score":-0.05827863762776057},{"text":"It's probably it's probably one necklace that's worth about 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bloody buttoned boobs and it's pretty great night sleep.","start":1467.115,"end":1473.775,"sentiment":"positive","sentiment_score":0.8016659438610076},{"text":"Well, it's still in our name.","start":1486.9501,"end":1488.7101,"sentiment":"neutral","sentiment_score":0.04265585355460644},{"text":"We they use it, and we for the, you know, rego and insurance, they pay for the fuel.","start":1488.7101,"end":1495.3501,"sentiment":"neutral","sentiment_score":0.05232701698939005},{"text":"So it's just keeping it on the road and then, you know, when we are in Brisbane, we borrow 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best.","start":1510.2,"end":1511.1799,"sentiment":"neutral","sentiment_score":0.17640222112337747},{"text":"Yep.","start":1514.2799,"end":1514.7799,"sentiment":"neutral","sentiment_score":0.030871650204062465},{"text":"Yep.","start":1515.24,"end":1515.74,"sentiment":"neutral","sentiment_score":0.02663302421569824}],"sentiment":"neutral","sentiment_score":0.10086195463580745,"num_words":7,"start":1509.315,"end":1515.74},{"sentences":[{"text":"Yeah.","start":1520.84,"end":1521.34,"sentiment":"neutral","sentiment_score":0.005211284849792719},{"text":"Yep.","start":1521.5599,"end":1522.0599,"sentiment":"neutral","sentiment_score":0.03736283630132675},{"text":"Yep.","start":1522.36,"end":1522.86,"sentiment":"neutral","sentiment_score":0.09401178359985352},{"text":"Hey.","start":1538.395,"end":1538.58,"sentiment":"neutral","sentiment_score":0.05720683932304382},{"text":"I might I'm just waiting for my solicitor to come back to us so they are updated 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fine.","start":1546.1,"end":1546.9199,"sentiment":"neutral","sentiment_score":0.13674310222268105},{"text":"Yeah.","start":1558.2949,"end":1558.7949,"sentiment":"neutral","sentiment_score":0.035609398037195206}],"sentiment":"neutral","sentiment_score":0.0805089995265007,"num_words":9,"start":1542.82,"end":1558.7949},{"sentences":[{"text":"Yeah.","start":1597.99,"end":1598.49,"sentiment":"neutral","sentiment_score":-0.036451272666454315},{"text":"Yep.","start":1600.23,"end":1600.73,"sentiment":"neutral","sentiment_score":0.0299568772315979},{"text":"Got 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anyway?","start":1786.6849,"end":1800.71,"sentiment":"neutral","sentiment_score":-0.009604561317246407},{"text":"Yep.","start":1801.575,"end":1802.075,"sentiment":"neutral","sentiment_score":0.2583402097225189},{"text":"Yep.","start":1808.2949,"end":1808.7949,"sentiment":"neutral","sentiment_score":0.1573631465435028}],"sentiment":"neutral","sentiment_score":0.04791482176321248,"num_words":60,"start":1769.5701,"end":1808.7949},{"sentences":[{"text":"Yep.","start":1810.695,"end":1811.195,"sentiment":"neutral","sentiment_score":0.1632501780986786},{"text":"Yeah.","start":1825.23,"end":1825.73,"sentiment":"neutral","sentiment_score":0.20241378247737885},{"text":"Yep.","start":1841.475,"end":1841.975,"sentiment":"neutral","sentiment_score":0.25977787375450134},{"text":"I get that.","start":1842.52,"end":1843.26,"sentiment":"neutral","sentiment_score":0.14905296762784323},{"text":"So yeah.","start":1843.5599,"end":1845.72,"sentiment":"neutral","sentiment_score":0.10078634694218636}],"sentiment":"neutral","sentiment_score":0.15927167888730764,"num_words":8,"start":1810.695,"end":1845.72},{"sentences":[{"text":"Carry on.","start":1845.72,"end":1846.54,"sentiment":"neutral","sentiment_score":0.05386205017566681},{"text":"I do have one question.","start":1847.08,"end":1848.3,"sentiment":"neutral","sentiment_score":-0.03262763395905495},{"text":"Write it down for the end.","start":1848.36,"end":1849.98,"sentiment":"neutral","sentiment_score":-0.022982060598830383},{"text":"So at the moment, we've got because I sold some shares, money in the bank.","start":1854.2,"end":1860.705,"sentiment":"neutral","sentiment_score":0.009004170447587967},{"text":"And now we intend to buy a property, but we haven't found one.","start":1860.705,"end":1863.985,"sentiment":"neutral","sentiment_score":-0.018324949850256626}],"sentiment":"neutral","sentiment_score":-0.007230932301864392,"num_words":41,"start":1845.72,"end":1863.985},{"sentences":[{"text":"And those funds have been sitting in my bank for, you know, nearly twelve months and making about, you know, a thousand dollars a month in interest just through the bank.","start":1863.985,"end":1878.6799,"sentiment":"neutral","sentiment_score":-0.05781112214730632},{"text":"So it's highest that you can and still have access to it.","start":1878.6799,"end":1882.0599,"sentiment":"neutral","sentiment_score":-0.019435100567837555},{"text":"So I can't remember.","start":1883.5599,"end":1884.44,"sentiment":"neutral","sentiment_score":-0.06768091302365065},{"text":"It's about 4% probably.","start":1884.44,"end":1885.8999,"sentiment":"neutral","sentiment_score":-0.08789097052067518},{"text":"And I'm just wondering whether there's a better option for 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fine.","start":2415.02,"end":2416.08,"sentiment":"neutral","sentiment_score":0.038006714855631195},{"text":"Yep.","start":2416.2202,"end":2416.7202,"sentiment":"neutral","sentiment_score":0.023651123046875},{"text":"Yeah.","start":2431.0452,"end":2431.5452,"sentiment":"positive","sentiment_score":0.4453633725643158}],"sentiment":"neutral","sentiment_score":0.08592987117859033,"num_words":13,"start":2399.385,"end":2431.5452},{"sentences":[{"text":"Fantastic.","start":2431.845,"end":2432.345,"sentiment":"positive","sentiment_score":0.7235146164894104},{"text":"Yep.","start":2458.905,"end":2459.22,"sentiment":"neutral","sentiment_score":0.1090565174818039},{"text":"Yeah.","start":2470.26,"end":2470.76,"sentiment":"neutral","sentiment_score":0.08790399134159088},{"text":"Yeah.","start":2508.4648,"end":2508.9648,"sentiment":"neutral","sentiment_score":0.03469299525022507},{"text":"Wonderful.","start":2518.07,"end":2518.57,"sentiment":"positive","sentiment_score":0.7162415981292725}],"sentiment":"positive","sentiment_score":0.33428194373846054,"num_words":5,"start":2431.845,"end":2518.57},{"sentences":[{"text":"Dana, as always, you've been outstanding.","start":2519.43,"end":2521.6099,"sentiment":"positive","sentiment_score":0.7318644722302755},{"text":"I appreciate help helping me get my head around at all.","start":2521.91,"end":2526.79,"sentiment":"positive","sentiment_score":0.5211471563035791},{"text":"I'm finding that my research wasn't, you know, completely off the beaten track.","start":2526.79,"end":2531.985,"sentiment":"neutral","sentiment_score":0.26375146210193634},{"text":"So yeah.","start":2532.445,"end":2535.885,"sentiment":"neutral","sentiment_score":0.14634328335523605},{"text":"But I'm I'm quite comfortable with where we're heading.","start":2535.885,"end":2538.685,"sentiment":"positive","sentiment_score":0.36850206057230633}],"sentiment":"positive","sentiment_score":0.4185799919977421,"num_words":41,"start":2519.43,"end":2538.685},{"sentences":[{"text":"So yeah.","start":2538.685,"end":2540.945,"sentiment":"positive","sentiment_score":0.40720561891794205},{"text":"Awesome.","start":2541.3252,"end":2541.8252,"sentiment":"positive","sentiment_score":0.7959146499633789},{"text":"Beautiful out there.","start":2549.5,"end":2550.7,"sentiment":"positive","sentiment_score":0.8335352341334025},{"text":"It's it's a spectacular day.","start":2550.7,"end":2552.64,"sentiment":"positive","sentiment_score":0.8075159907341003},{"text":"Thank you so much.","start":2561.865,"end":2563.085,"sentiment":"positive","sentiment_score":0.7274946570396423}],"sentiment":"positive","sentiment_score":0.7372326781352361,"num_words":15,"start":2538.685,"end":2563.085},{"sentences":[{"text":"Okay.","start":2564.825,"end":2565.325,"sentiment":"positive","sentiment_score":0.4216414391994476},{"text":"You too.","start":2565.705,"end":2566.365,"sentiment":"neutral","sentiment_score":0.29154863953590393},{"text":"Bye.","start":2566.985,"end":2567.485,"sentiment":"neutral","sentiment_score":0.2421494722366333}],"sentiment":"neutral","sentiment_score":0.3117220476269722,"num_words":4,"start":2564.825,"end":2567.485}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. And you?\n\nChannel 0: Hi, Catherine. It's Dana from Oakview. How are you?\n\nChannel 1: I'm well. And yourself?\n\nChannel 0: I'm very well. Thank you. So Maddie just let me know that you called in a bit earlier, and my last call, unfortunately, hasn't answered. So if you want to, I can give you a call now, and we can kinda go through things and start your review. Does that sound okay?\n\nChannel 1: I'm sitting here already because I've put nine in my diary, and\n\nChannel 0: Oh,\n\nChannel 1: sometimes\n\nChannel 0: I'm so\n\nChannel 1: I do that\n\nChannel 0: sorry.\n\nChannel 1: oh, that's okay. Sometimes I do that myself to fool myself so I make sure I'm ready. Yeah. No.\n\nChannel 0: Oh,\n\nChannel 1: I\n\nChannel 0: I love\n\nChannel 1: that'd be\n\nChannel 0: that.\n\nChannel 1: fine.\n\nChannel 0: Oh, fantastic. Well, let's jump into everything. Catherine, just before we do 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?\n\nChannel 1: Absolutely. Sure.\n\nChannel 0: Fantastic.\n\nChannel 1: You've got\n\nChannel 0: And\n\nChannel 1: AI doing it now\n\nChannel 0: I\n\nChannel 1: for you.\n\nChannel 0: not quite. Not quite.\n\nChannel 1: Not quite.\n\nChannel 0: I still do a lot of things manually, believe it or not.\n\nChannel 1: Fair enough.\n\nChannel 0: All good. And just to double check the security with you as well, I'll just get you to confirm your full name, your date of birth, and address I should have on file there.\n\nChannel 1: Catherine Margaret Seba. Twenty two ten nineteen sixty five. 49\n\nChannel 0: Yep.\n\nChannel 1: Lake Hart Drive, Beechmere.\n\nChannel 0: Beautiful. Thank you so much for that. So, firstly, just to sort of jump into I know as per your email, you wanted to have a bit of a chat about moving into pension phase and drawing down a bit of income there for you.\n\nChannel 1: Yes.\n\nChannel 0: Last year, we did talk about looking at the TTR side of things. This\n\nChannel 1: Yep.\n\nChannel 0: year, are you wanting to sort of look at maybe moving into full pension, having access and drawing down as much income as you need? What's your sort of thoughts around that?\n\nChannel 1: So So we've still got the investment properties.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. So what we've you know, we're having to draw off to to live on it. We're we're paying a high percentage in tax on it.\n\nChannel 0: Yeah. Yes.\n\nChannel 1: So we've done a bit of research, and I thought I'll come, you know, send me prepared to you.\n\nChannel 0: Yeah.\n\nChannel 1: And the our thoughts have sort of been if we do the account based one, so we sort of have an annual amount\n\nChannel 0: Yep.\n\nChannel 1: that we've, you know, we've got it as our budget\n\nChannel 0: Yep.\n\nChannel 1: to live on. And then we put as much back into super as\n\nChannel 0: Yep.\n\nChannel 1: we possibly can while we're in this little window of over 60 and not 67 yet\n\nChannel 0: Yeah.\n\nChannel 1: and making the most of that. So that's kind of our intent.\n\nChannel 0: Yeah. That's okay. Not a problem at all. Last year, when we kinda touched base, you were estimating that income that you were earning from from the business and the trust at the moment was around about that 30 to $40,000 mark. Is that still kind of where your\n\nChannel 1: Yeah.\n\nChannel 0: the income\n\nChannel 1: Yeah.\n\nChannel 0: side of things is coming from? Is it about the same?\n\nChannel 1: Yeah. It\n\nChannel 0: Yep.\n\nChannel 1: seems\n\nChannel 0: Okay. Beautiful. Would you say it's closest to, say, 30,000\n\nChannel 1: good.\n\nChannel 0: or 40,000? Would you estimate\n\nChannel 1: Well,\n\nChannel 0: it is new?\n\nChannel 1: we've we've actually but well, we've estimated it now at 36. So it's making\n\nChannel 0: Okay.\n\nChannel 1: the middle pretty much.\n\nChannel 0: Yeah. That's okay.\n\nChannel 1: Yeah.\n\nChannel 0: So 36,000. So if we look at maybe because you are over 60 and not working anymore, moving into full pension phase, the benefits there are that moving from accumulation to pension is that there's no income tax and no CGT tax in pension phase. The money in pension phase is working harder for you. You do have to draw down a minimum amount every year based on the balance there, but we don't have to move everything in the pension phase. You can leave the accumulation open with a smaller balance, and then we can be, you know, putting more money in that every year as you currently are.\n\nSo would that be something you're sort of open to? Yep.\n\nChannel 1: Yeah. So as far as moving into pension phase, so would we\n\nChannel 0: Yep.\n\nChannel 1: just move, you know, for example, 36,000 a year cost? Is that how it works?\n\nChannel 0: Well, we'd essentially just wanna move as much as we possibly can. So when we look at doing this, we try to move in, essentially, like, a 100,000, a 150,000, just leaving a minimum amount in the accumulation phase. We can roll back every year into accumulation and keep refreshing your pension. It's not a problem at all. It's just about\n\nChannel 1: So are\n\nChannel 0: putting\n\nChannel 1: you still\n\nChannel 0: as much you're\n\nChannel 1: are you\n\nChannel 0: right.\n\nChannel 1: still earning on the funds that are in the account, like the pension phase part?\n\nChannel 0: Sorry, Catherine. This phone just cut out. Can you repeat that for me?\n\nChannel 1: So are you still making, you know, earning money on\n\nChannel 0: Yes.\n\nChannel 1: what's sitting in the so it's\n\nChannel 0: Yeah.\n\nChannel 1: still being invested\n\nChannel 0: Absolutely.\n\nChannel 1: as such.\n\nChannel 0: Absolutely.\n\nChannel 1: It's it's just you've got\n\nChannel 0: It's\n\nChannel 1: access\n\nChannel 0: act\n\nChannel 1: to it.\n\nChannel 0: yeah. It actually works out\n\nChannel 1: Yeah.\n\nChannel 0: a lot more in your favor because when you move into pension phase, as I mentioned before, there's no income tax or CGT consequences. You don't pay taxes or tax free environment. So moving as much money as possible into that pension phase there means that you still have your money invested in a portfolio. There's the income and the capital gains that are being generated inside pension phase are not being taxed any longer, so you end up with more money. It does kinda work out better for you to have more\n\nChannel 1: Okay.\n\nChannel 0: money in that pension phase, whereas money\n\nChannel 1: Yeah.\n\nChannel 0: sitting in the super in accumulation phase as it is at the moment is subject to income tax and CDT tax. So moving as much in the pension phase is absolutely preferable.\n\nChannel 1: Yeah.\n\nChannel 0: There are rules around how much you can take. So you do have a minimum based on your age of about 4% that you would have to take of the balance. So if we moved over, say, a 150,000 in the pension phase for the year, you have to take a minimum of 4% balance.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: But you have full access. Because you're fully retired, you have full access. If you need extra funds drawn down, that can be accounted for, and you can draw down as much of the balance as you need to in that year. So\n\nChannel 1: So\n\nChannel 0: there's no\n\nChannel 1: for\n\nChannel 0: restrictions\n\nChannel 1: example,\n\nChannel 0: on\n\nChannel 1: I can't remember\n\nChannel 0: yeah.\n\nChannel 1: how much is in there. I did look it up the other day, but my retention\n\nChannel 0: Yeah.\n\nChannel 1: is\n\nChannel 0: You're\n\nChannel 1: poor\n\nChannel 0: right.\n\nChannel 1: at the moment. So there's about $2.70 in the account at the moment. Is that right?\n\nChannel 0: Yep. So I've got the balance here for you. I'll\n\nChannel 1: Yep.\n\nChannel 0: just pull it up for you one quick. Sorry. So the balance in the account as of yesterday's date is 271,146 and 65¢.\n\nChannel 1: Okay. So for example, if I was to say, let's take 250 into pension pay,\n\nChannel 0: Yep.\n\nChannel 1: and then that means I have to take what's 5%, make it easy, is what's 5% of '25 250,000?\n\nChannel 0: 250,000. We're looking at $12,500.\n\nChannel 1: So that's 5%. So I have to take that down how frequently?\n\nChannel 0: Mhmm. Oh, that's just for the year. So you have had to have drawn that that 12,000 by the end of net by the end of the financial year.\n\nChannel 1: Okay. So for\n\nChannel 0: And\n\nChannel 1: example,\n\nChannel 0: if you\n\nChannel 1: if\n\nChannel 0: don't\n\nChannel 1: I\n\nChannel 0: yeah. Sorry.\n\nChannel 1: Yeah. So so for this year, for example,\n\nChannel 0: Yeah.\n\nChannel 1: if I actually went, okay. Well, let's put the $2.50 in now, and I don't know if we're gonna oh, it's only the third. We might work there. And then I I just take the 12,500 out this year. So I've got a nice little savings to come play with.\n\nAnd then, yeah, I'll probably do a monthly drawdown of probably $3 a month or something, which we accept about 36. I\n\nChannel 0: Okay.\n\nChannel 1: think it's yeah.\n\nChannel 0: Yep. Yep. That's okay.\n\nChannel 1: That that would\n\nChannel 0: Are\n\nChannel 1: sort\n\nChannel 0: you\n\nChannel 1: of\n\nChannel 0: wanting\n\nChannel 1: be the\n\nChannel 0: to\n\nChannel 1: plan.\n\nChannel 0: have yeah. So you're wanting to have this updated and be in pension phase by the end of this financial year so you can take\n\nChannel 1: If it\n\nChannel 0: that minimum drawdown?\n\nChannel 1: if it if it's possible.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: That's okay. We can do the research. I'll escalate the plan, and we'll do the research and get you booked in for probably two weeks.\n\nChannel 1: Yeah.\n\nChannel 0: That'll be sort of from the week of the fifteenth, and that'll still give us a week before the end of the financial year, and we can move into pension phase fairly quickly for you. Okay?\n\nChannel 1: Okay. So can I just get clear and write some\n\nChannel 0: Yeah.\n\nChannel 1: notes down? So\n\nChannel 0: Sure.\n\nChannel 1: now that I've spoken to you, I've got a clearer understanding.\n\nChannel 0: Yes.\n\nChannel 1: So the balance, which in this case will still be 21,000 in there,\n\nChannel 0: Mhmm.\n\nChannel 1: that will be in superannuation phase.\n\nChannel 0: Yep.\n\nChannel 1: And that\n\nChannel 0: Call it accumulation. It's a it's a way you're accumulating wealth\n\nChannel 1: yep.\n\nChannel 0: just to\n\nChannel 1: Okay.\n\nChannel 0: make it easier\n\nChannel 1: And that\n\nChannel 0: for you. Yeah.\n\nChannel 1: yep. That's okay. I'll use the right term. And\n\nChannel 0: You\n\nChannel 1: that's\n\nChannel 0: alright?\n\nChannel 1: the that's been taxed and CGT on any profits. Is that right?\n\nChannel 0: Yeah. Yep.\n\nChannel 1: And on any, you know, activity or hopefully, it's profit.\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: And then one the $2.50 k that's in a pension phase. Is that what is that\n\nChannel 0: Yep.\n\nChannel 1: the right\n\nChannel 0: That's right. Yeah.\n\nChannel 1: and so then that also is earning interest or getting dividends depending on what we invest in. So\n\nChannel 0: Yeah.\n\nChannel 1: it's still in business,\n\nChannel 0: Yes.\n\nChannel 1: but it doesn't accumulate any tax or CGT or\n\nChannel 0: That's right. Yeah.\n\nChannel 1: okay. Okay.\n\nChannel 0: Yeah. So I\n\nChannel 1: And\n\nChannel 0: think think\n\nChannel 1: then\n\nChannel 0: of\n\nChannel 1: whatever\n\nChannel 0: a\n\nChannel 1: that\n\nChannel 0: think\n\nChannel 1: balance\n\nChannel 0: of slippers,\n\nChannel 1: is,\n\nChannel 0: like, key. Yeah.\n\nChannel 1: a minimum of 4%,\n\nChannel 0: Yeah.\n\nChannel 1: 5%, whatever. I just made it five just to make it easy. Each\n\nChannel 0: Yeah.\n\nChannel 1: year has to be drawn down. Now\n\nChannel 0: Yep.\n\nChannel 1: if I if I saw it, oh, look at that really lovely boat I want it. Could I go, oh, actually, I want 200,000. Is that possible too?\n\nChannel 0: Yep. Yep. Absolutely. So when you're\n\nChannel 1: Yeah.\n\nChannel 0: in full pension phase, there's no maximum on how much you can draw down. So the difference with what we were talking about last year, we were talking about the transition retirement sort\n\nChannel 1: Yes.\n\nChannel 0: of strategies. With a TTR account, you're you're only allowed to draw down a maximum of 10% for the year for the financial year.\n\nChannel 1: Yeah.\n\nChannel 0: So this way, with what we're talking about now, you have full access to that money. If you decide you wanna take all of it out and you wanna go on a nice big holiday around the world, you can absolutely do that. There is no restriction\n\nChannel 1: Yeah.\n\nChannel 0: on how much you can take down as a maximum. It's just the minimum restrictions. And as you get\n\nChannel 1: Yep.\n\nChannel 0: older, those minimum restrictions increase. So the older you\n\nChannel 1: Okay.\n\nChannel 0: get, the more they want you to draw out a super, if that makes sense.\n\nChannel 1: Yeah. Okay. So then when I continue to contribute to my super,\n\nChannel 0: Yep.\n\nChannel 1: I'll be putting it in the accumulating balance. Correct?\n\nChannel 0: Yeah. Correct.\n\nChannel 1: Yep. And,\n\nChannel 0: Yep.\n\nChannel 1: obviously, then it's got the tax advantage of paying 15% on the way in.\n\nChannel 0: That's correct.\n\nChannel 1: And then, obviously, then it'll still get taxed on any earnings that may produce.\n\nChannel 0: Yes.\n\nChannel 1: What happens if I do some work?\n\nChannel 0: So so long as you are retired at the time that we move you independent phase, it doesn't matter. There's no restriction that says you can't then take on work later on or go back to work in any way, shape, or form so\n\nChannel 1: Okay.\n\nChannel 0: long as when we complete the declaration, you confirm that you are you are not working, you are over 60, and you were retired for the purpose of accessing super.\n\nChannel 1: Yeah.\n\nChannel 0: You can decide to go back to work a day later, a week later. It doesn't really matter. It's just yeah. You've you've met\n\nChannel 1: Okay.\n\nChannel 0: that requirement to move into pension phase. Yeah.\n\nChannel 1: I'd I'd probably only ever work under an ADN anyway, so\n\nChannel 0: That's okay.\n\nChannel 1: I'm more likely to go through the company if there is anything that I do do. Okay.\n\nChannel 0: Yeah.\n\nChannel 1: Well, I think you pretty much answered all my questions with that.\n\nChannel 0: Oh, fantastic. The way I sort of like to look at the soup in the pension, because it does get a little bit confusing, is accumulating is just building wealth, and you are taxed when you're building that wealth. Pension is when you're taking money out, and it's a tax free environment if that helps a little bit.\n\nChannel 1: Yeah. Yep. No. No. It it\n\nChannel 0: Yeah.\n\nChannel 1: makes me I think I've done enough research now to kinda to get it. But now that I've\n\nChannel 0: Yep.\n\nChannel 1: spoken to you and I've been able to repeat to you what you've told me, I feel more comfortable and that I've learned correctly. Because sometimes it's a bit overwhelming.\n\nChannel 0: Absolutely. That's okay. And you're always welcome to email me or give me a call if you have additional questions.\n\nChannel 1: Yeah.\n\nChannel 0: There's no such thing as a silly question. If you if it's something that's eating you away and you want it answered, you let me know, and I'll happily answer that question for you. Okay?\n\nChannel 1: Very good. So is there anything\n\nChannel 0: Excellent.\n\nChannel 1: else we need to do as part of the annual review?\n\nChannel 0: Yeah. Definitely. So I have sent you through an annual review pack, which you're welcome to have a look at when you've got access to your Internet there. I know you said it has been a bit patchy over the past\n\nChannel 1: Oh,\n\nChannel 0: couple\n\nChannel 1: no. No.\n\nChannel 0: of weeks.\n\nChannel 1: I've I've I've\n\nChannel 0: You've got it?\n\nChannel 1: yeah. We're we're actually\n\nChannel 0: Excellent.\n\nChannel 1: we're on full coverage where we are now for the next\n\nChannel 0: Fantastic.\n\nChannel 1: five weeks.\n\nChannel 0: And\n\nChannel 1: And\n\nChannel 0: you've\n\nChannel 1: I\n\nChannel 0: been\n\nChannel 1: was\n\nChannel 0: traveling quite a lot.\n\nChannel 1: yeah. Yeah. So we're we're doing a lot of volunteer work,\n\nChannel 0: Yep.\n\nChannel 1: which, you know, obviously, I don't get paid, but it'll cover our costs for accommodation quite often in power and water. And, you know, we'll just sort of, like, at the moment, we're at a CNCI park in Thunderbird. We're the custodians, so we check everybody in. Fifty days, we're busy as well, and we thought, yeah, we're not even gonna pay for that.\n\nChannel 0: Wow. Wow.\n\nChannel 1: Yeah. So it was really cool. Yeah. So we're here for five weeks, and then we've got a couple of weeks break, and we'll wander up to Ingham. And we'll do the same there again at at the\n\nChannel 0: Fantastic.\n\nChannel 1: CNCA Park. And\n\nChannel 0: Fantastic.\n\nChannel 1: then break in between, and we do in the South.\n\nChannel 0: Wow. And you're seeing a lot of the country at the same time.\n\nChannel 1: Yeah. Exactly. And, you know,\n\nChannel 0: Yeah.\n\nChannel 1: we're doing day trips and, you know, getting out and about. And and, you know, to me, the biggest enjoyment I get out of traveling is the other people that you meet.\n\nChannel 0: Yes.\n\nChannel 1: That's actually my passion for it is the, yeah, the stories that you hear from others. And then, you know, finding out really cool places to go that aren't\n\nChannel 0: Yeah.\n\nChannel 1: on the sort of, you know, list, so to speak.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Oh, that's fantastic. No. That's excellent. It it honestly, you are living my dream. That is exactly how my retirement today, just to travel and go everywhere, see everywhere, wake up one morning and go, I wanna go here today and just go there.\n\nThat is exactly what I want my retirement to look like. So you are living the dream\n\nChannel 1: The only\n\nChannel 0: in my book.\n\nChannel 1: the only downside, it's a very limited space for a couple. And the\n\nChannel 0: Yes. Yes.\n\nChannel 1: the caravan doesn't come with a shed. You know?\n\nChannel 0: You need a bit of a man cave\n\nChannel 1: Yeah.\n\nChannel 0: or a lady cave to kinda give you some separation. Oh, no. That's beautiful, honestly. I'm glad you're having such a great time. And the house, your what was your main primary residence?\n\nThat was all being rented out to a charity that's all still working fine\n\nChannel 1: Yeah.\n\nChannel 0: for you?\n\nChannel 1: It's working out really\n\nChannel 0: Yep.\n\nChannel 1: well. So that's yeah. It's it's we don't have a base. So we possibly may draw down on a paper to get a base.\n\nChannel 0: Okay.\n\nChannel 1: We just don't know where we wanna.\n\nChannel 0: Yeah. No. That's okay. When we look at the the drawdown from super, so we'll look at with keeping money in that accumulation phase, you wanna still be making that yearly contribution. Are you gonna be making the full 30,000 to your super account each year, or will it only be a smaller amount like you have done this year?\n\nWhat's your sort of plan with the super side of things with the contribution?\n\nChannel 1: We we would like to keep it. Try and get it up to the 36 if we can.\n\nChannel 0: Yep.\n\nChannel 1: So yeah. Like, so this month, for example, I think because I got two of us. Yeah. We had being end of financial year, we kind of ended out having to get a whole lot of repairs and maintenance done. So but\n\nChannel 0: Yep.\n\nChannel 1: usually, my yeah. It'll be about two and a half, I would say, going in each month at\n\nChannel 0: Okay. Perfect. Because the contributions cap for this year was 30,000. The contributions cap for next financial year does go up to 32,500, so\n\nChannel 1: least.\n\nChannel 0: that'll be the maximum that we\n\nChannel 1: Yeah.\n\nChannel 0: can put in there.\n\nChannel 1: Oh, okay.\n\nChannel 0: But\n\nChannel 1: That's\n\nChannel 0: I\n\nChannel 1: good to know.\n\nChannel 0: I can yeah. That's okay. If you like, I can just as part of the advice document, factor in each month you're putting in $2,000 as a deductible contribution, and then we claim that at the end of the year for you. Does that sound\n\nChannel 1: Yeah.\n\nChannel 0: like a comfort\n\nChannel 1: Yep.\n\nChannel 0: level?\n\nChannel 1: That's pretty good. Yeah.\n\nChannel 0: Perfect. Comfort level just so we're looking at how that affects your super and longevity wise. And then you'll need to draw do you wanna draw that 36,000? So we'll do those 4% this year, which is the 12,500 currently.\n\nChannel 1: Yeah.\n\nChannel 0: Did you wanna then draw 36,000 out of your pension account each year moving forward to cover the expenditure side of things, your your base living expenses?\n\nChannel 1: Yeah. And we'll probably do that on a monthly basis. So we'll probably take three out and put two of them.\n\nChannel 0: Yep. That's okay. So it's, say, 3,000 per month. Yep. Perfect.\n\nNo worries. So just so I can factor into the advice and show you what that looks like, because,\n\nChannel 1: Yep.\n\nChannel 0: essentially, my advice will look like what showing you moving into pension phase, how we'll have the funds invested for you so as it's working, drawing the money down, looking at longevity, how long soup is expected to last for given this this current,\n\nChannel 1: Oh, yeah. Oh,\n\nChannel 0: you\n\nChannel 1: that's\n\nChannel 0: know, plan.\n\nChannel 1: good. Yeah.\n\nChannel 0: And then also putting in that $2,000 as a deductible contribution on a monthly basis at the end of the year, claiming that for you and sort of showing you how that might affect you long term. So I'll kind of make\n\nChannel 1: Yeah.\n\nChannel 0: it a bit more comprehensive for you to give you an outline of the recommendations,\n\nChannel 1: Yeah.\n\nChannel 0: but also where this sort of shows you moving to. Does that sound okay?\n\nChannel 1: Yeah. No. That's good. Because the other issue\n\nChannel 0: Yep.\n\nChannel 1: I have is potentially, like, we spent six months back in New Zealand. So at\n\nChannel 0: Yeah.\n\nChannel 1: the moment, I'm considered a dual resident. I don't\n\nChannel 0: Okay.\n\nChannel 1: know where it froze me in the tax circle. You know, I believe you've got four years, and I've got Chris doing some more research on that for me.\n\nChannel 0: Yes.\n\nChannel 1: Whether that's practical because I believe you've got four years to either sell your assets or you then become a I'm no longer a resident of Australia whereas at the moment, I'm a Jew, but I\n\nChannel 0: Okay.\n\nChannel 1: think that's got a window. So\n\nChannel 0: Yeah. Yep.\n\nChannel 1: yeah, we've just sort of gotta figure that out as well.\n\nChannel 0: Yep.\n\nChannel 1: And it's\n\nChannel 0: No.\n\nChannel 1: sort\n\nChannel 0: That's\n\nChannel 1: of\n\nChannel 0: okay.\n\nChannel 1: like we're we're sort\n\nChannel 0: Yeah.\n\nChannel 1: of thinking coming up to the Olympics, it'll probably be time to sell one of the properties.\n\nChannel 0: Yep. Yep.\n\nChannel 1: And that's\n\nChannel 0: That's\n\nChannel 1: once\n\nChannel 0: okay.\n\nChannel 1: again. So if, for example, we sold one of the properties\n\nChannel 0: Yep.\n\nChannel 1: and put some of that money into super,\n\nChannel 0: Yep.\n\nChannel 1: then if we did it before the age of 67,\n\nChannel 0: Mhmm.\n\nChannel 1: could we then put some of that into the pension phased account?\n\nChannel 0: Yeah. Absolutely. So with pension phase, you can we can roll back from pension phase into accumulation and back again and refresh those as often as we like. We've got some clients where we speak to them every year, and we roll them back into accumulation and do a bit of a refresh and roll more money into pension phase and kind of readjust the drawdowns for them. So\n\nChannel 1: Yeah.\n\nChannel 0: we can\n\nChannel 1: Okay.\n\nChannel 0: roll back and forth as often as you like. One of the big things about advice is very fluid. So it can change. We can alter\n\nChannel 1: Yeah.\n\nChannel 0: the advice.\n\nChannel 1: Yeah.\n\nChannel 0: And down the track because I know\n\nChannel 1: Well, lots\n\nChannel 0: accessing\n\nChannel 1: of it like it, isn't it?\n\nChannel 0: yeah. And I noticed looking down the track when you do kinda hit the age of 67 and you're wanting to maybe look at age pension and eligibility for things like that, we can even look at ways of sheltering funds so that it's assessed lower or it might help the assessment for Centrelink. So there's other things that we can do down the track for you as well.\n\nChannel 1: Oh, okay. Because at the moment, I don't believe well, I know I'm not\n\nChannel 0: Yes.\n\nChannel 1: in top of Super anyway, like, the\n\nChannel 0: Yeah.\n\nChannel 1: government attention.\n\nChannel 0: Yeah.\n\nChannel 1: But if if I do stay in New Zealand for at least a hundred and eighty two days or whatever it is, a year,\n\nChannel 0: Yeah.\n\nChannel 1: then I'm entitled to New Zealand Super because I was\n\nChannel 0: Okay.\n\nChannel 1: born there and I was there and, you know, obviously, I paid tax until I came here.\n\nChannel 0: Yeah.\n\nChannel 1: And then like, the biggest entitlement is 65, but it's not means tested.\n\nChannel 0: Yep. Okay. Perfect.\n\nChannel 1: And and then I believe that once I hit 67, Australia will actually contribute to New Zealand to pay my super. That's what I believe. But I don't trying\n\nChannel 0: That's\n\nChannel 1: to\n\nChannel 0: cool.\n\nChannel 1: find the right person to ask all that sort of stuff that knows both\n\nChannel 0: Yeah.\n\nChannel 1: system. It's really hard.\n\nChannel 0: Yeah. And that will\n\nChannel 1: Got a\n\nChannel 0: be\n\nChannel 1: lot\n\nChannel 0: something\n\nChannel 1: of phone calls.\n\nChannel 0: that's yeah. That's a little bit outside of our scope because we can't\n\nChannel 1: Yeah.\n\nChannel 0: advise on anything in another country due to the taxation consequences there, but I can look up general information for you. So I could even have a look when we get closer to the the age pension side of things depending on what the rules are then. I can do some general information and look up some general information for you and see what we can find. But, yeah,\n\nChannel 1: Yeah.\n\nChannel 0: we just have to scope out that New Zealand pension side of things for you at the moment. That's all.\n\nChannel 1: Yeah. That that's right. And yeah. It's it's a dual residency thing that I'm a bit\n\nChannel 0: Yes.\n\nChannel 1: stuck on well, but I'll I'll probably ring Centrelink. I think that'd probably be the best\n\nChannel 0: Yeah.\n\nChannel 1: people to\n\nChannel 0: Ask.\n\nChannel 1: yeah. I think\n\nChannel 0: Yeah.\n\nChannel 1: so. That's where\n\nChannel 0: Yeah.\n\nChannel 1: I because they're all connected to the tax department. So that\n\nChannel 0: Absolutely.\n\nChannel 1: that that's what I want. That's what I want. They just want to make sure that we pay the tax. And if\n\nChannel 0: Absolutely.\n\nChannel 1: we yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Okay. That\n\nChannel 0: No. That's\n\nChannel 1: sounds\n\nChannel 0: okay.\n\nChannel 1: really good.\n\nChannel 0: If you like, I could also just do a bit of research and see what I can find from Centrelink, and I can send you just some general information via your email there if you like just\n\nChannel 1: Yeah.\n\nChannel 0: to sort of\n\nChannel 1: That'll\n\nChannel 0: show\n\nChannel 1: be\n\nChannel 0: you what what I can find and might help you out with a bit of reading material.\n\nChannel 1: great. Thank you. That would be wonderful.\n\nChannel 0: Beautiful. Not a problem at all. If you do happen to call Centrelink, make sure you've got a spare kind of two hours available\n\nChannel 1: Are\n\nChannel 0: because\n\nChannel 1: you\n\nChannel 0: sitting on hold\n\nChannel 1: yes.\n\nChannel 0: with them is\n\nChannel 1: It's great in New Zealand. You can actually go in, make an appointment, and it might be a week away, but you then you can actually sit with people. And they give you as much it's fantastic.\n\nChannel 0: Wow. Wow.\n\nChannel 1: Yeah.\n\nChannel 0: We don't get that here, unfortunately. It's a\n\nChannel 1: No.\n\nChannel 0: shame. No.\n\nChannel 1: Anyway right. So that's\n\nChannel 0: Beautiful.\n\nChannel 1: that's part of it covered. So\n\nChannel 0: Yep.\n\nChannel 1: what do\n\nChannel 0: Excellent.\n\nChannel 1: we need to look at for the rest of our review?\n\nChannel 0: So just going through and updating the asset side of things. So you mentioned your main primary residence is now the investment property. That's all being rented out fine.\n\nChannel 1: Yeah.\n\nChannel 0: Just updating the asset value of that property, you had about 750,000 last year. Would you keep that about the same, or would you kind of change or update that at all?\n\nChannel 1: Do we actually want to be realistic on market value?\n\nChannel 0: Yeah. It's up to you.\n\nChannel 1: Yeah. I'd put it probably at $9.25\n\nChannel 0: Yeah. Perfect. Excellent. And that loan is still fully offset.\n\nChannel 1: at the moment, but we'll probably if we buy another property, we'll drag that out.\n\nChannel 0: Okay. Lovely. And\n\nChannel 1: Yeah.\n\nChannel 0: that's the property that's still owned in your name. The other properties are all owned in that trust, aren't they?\n\nChannel 1: That's right.\n\nChannel 0: Yep. Beautiful. Excellent. So we'll keep that there for you. I've also got down here that you had some shares in The UK as well.\n\nChannel 1: Yep.\n\nChannel 0: Do you still have those?\n\nChannel 1: Okay.\n\nChannel 0: Yep. They're valued about $1,500.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Beautiful. And with all the properties and things held in the trust, we had a combined value of the trust assets of about 850,000. Would that have increased a bit?\n\nChannel 1: I'll probably put that to $9.25.\n\nChannel 0: $9.25. Beautiful. Lovely. Excellent. And then contents, we had an asset value of about 6,000.\n\nWould you keep that about the same?\n\nChannel 1: Yeah. We don't own anything hardly now.\n\nChannel 0: No. That's okay.\n\nChannel 1: It's probably it's probably one necklace that's worth about 3,000.\n\nChannel 0: Yep. That's okay. Not a problem at all. And you've got the caravan that you're living in there. That's the Jayco Star Craft that you\n\nChannel 1: Yeah.\n\nChannel 0: purchased?\n\nChannel 1: That's right. Yep.\n\nChannel 0: Yep. Beautiful value on that was about 20,000 last year. Would you keep it the same or increase or change that?\n\nChannel 1: Let me put a $5,000 metric in it, so we probably should take that up to 25.\n\nChannel 0: Yep. Beautiful. So 25,000. I mean, now you gotta have a comfy mattress. That's important.\n\nChannel 1: I tell you, it's fantastic. It's bloody buttoned boobs and it's pretty great night sleep.\n\nChannel 0: Yeah. You did have that Toyota Avalon valued at 1,000 that you had donated to the or donating to the charity with the the house side of things. Is that was that all donated with it?\n\nChannel 1: Well, it's still in our name. We\n\nChannel 0: Yep.\n\nChannel 1: they use it,\n\nChannel 0: Yep.\n\nChannel 1: and we for the, you know, rego and insurance, they pay for the fuel. So\n\nChannel 0: Yep.\n\nChannel 1: it's just keeping it on the road and then, you know, when we are in Brisbane, we borrow it.\n\nChannel 0: Yeah. That's okay. Not a problem at all. You had a rough value of about a thousand dollars in that vehicle. Would you keep that about\n\nChannel 1: Yeah.\n\nChannel 0: the same?\n\nChannel 1: Yeah. Yeah. That's the\n\nChannel 0: Yep.\n\nChannel 1: best.\n\nChannel 0: Beautiful. And then we've still got the Ford Ranger there as well.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Last year, I looked up the estimated value. Did you want me to do the same thing on that car\n\nChannel 1: Yeah.\n\nChannel 0: for this year?\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Look up that one. Beautiful. And then contents we've covered. That's perfect.\n\nI had down here that you did have a will and power of attorney all set up. That's all still valid, all still reflects your wishes correctly.\n\nChannel 1: Hey. I might I'm just waiting for my solicitor to come back to us so they are updated well. But,\n\nChannel 0: Yeah.\n\nChannel 1: anyway yep. It is. Yep. That's\n\nChannel 0: Yep.\n\nChannel 1: fine.\n\nChannel 0: Perfect. And beneficiaries on super. And on the pension to come as well, you do you want everything, if in the event of you passing early, to be passed down to Greg or\n\nChannel 1: Yeah.\n\nChannel 0: yep. Beautiful. I'll make sure that's all updated for you and confirmed with the advice. Beautiful. I've got income here 36,000, which is great.\n\nEverything else looks pretty well. As we kinda went through before, your super has done really nicely. So when I had a look back at our interview last year, your balance has definitely increased. So we had a balance of $2.51 last year and then that $2.71 $1.04 6 now. When we look at the earnings, the growth, and the income that has generated from the portfolio, even with what's been happening this year and this year, we did see market take a bit of a a dip\n\nChannel 1: Yeah.\n\nChannel 0: around about that March point.\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Got\n\nChannel 0: Everything\n\nChannel 1: it.\n\nChannel 0: has been working quite well, and the gross and the income generated so the total earnings has just been over $26,048 for you. So it shows that a net return is a positive of 8.73%, which is really good. When we look at that growth portfolio that you're in at the moment, you were sort of chasing annualized returns or compounding annualized returns of about seven to 9%. The 8% is still in that range. It's kind of mid range\n\nChannel 1: Yep.\n\nChannel 0: for where you are in that growth portfolio, and the fact that you've come out with a positive return even with what been going on globally at the moment, it is still a good sign.\n\nChannel 1: Mhmm.\n\nChannel 0: I have noticed one of your investments, though, has been underperforming. So you have the Benelung Australian equities in there. That was originally put into your portfolio. They're an the investment manager for Bannalong, they're trying to actively manage that fund and outperform against the market. In recent months, they haven't been able to do that.\n\nWe don't we're seeing them drop very heavily at the moment, and they're underperforming a little bit. So I would like to, as part of the advice, go back and remove that for you.\n\nChannel 1: Mhmm.\n\nChannel 0: I can do a couple of things. I can look at putting in another investment manager that's active and trying to outperform against the market, or I could look at some passive funds that might be cheaper for you. Did you wanna have that active management, or do you wanna focus on a bit of a cheaper portfolio that might save you in fees?\n\nChannel 1: This stage, you know, when you're starting to draw down, you could think of it differently,\n\nChannel 0: Mhmm.\n\nChannel 1: don't you? Normally,\n\nChannel 0: Yes.\n\nChannel 1: I would probably take the higher risk avenue, but\n\nChannel 0: Yeah.\n\nChannel 1: I probably become more conservative, I\n\nChannel 0: Yes.\n\nChannel 1: guess. I think I would probably because what what's my investment, you know, label for one of the\n\nChannel 0: Mhmm.\n\nChannel 1: what what have I got at at the moment? I know I'm not\n\nChannel 0: You're\n\nChannel 1: conservative.\n\nChannel 0: sitting at growth. So when you sort of think of it if you think of risk at a level of, say, five, you're kind of\n\nChannel 1: Yeah.\n\nChannel 0: in that four to 5%. You're you're quite up there. Generally, the growth portfolio suits someone who has about six years before they're wanting to access their super. I\n\nChannel 1: Yeah.\n\nChannel 0: definitely wanna do that risk profile with you today. Because moving into that pension phase, we do wanna look at ways to make sure you're not seeing very heavy dips at the points where you are taking money at, and maybe drawing down and being a bit more conservative is a good thing moving forward. You still wanna get returns and see investments grow, but not looking for as heavy a drop in the market like we have seen over the past few\n\nChannel 1: Yeah.\n\nChannel 0: months there.\n\nChannel 1: I\n\nChannel 0: Yeah.\n\nChannel 1: agree. Yeah. I think\n\nChannel 0: Yeah.\n\nChannel 1: we're on the same page on that.\n\nChannel 0: Yeah. Did you want me just to focus on investments so I can find an Australian equities investment to give you Australian exposure that might be more diversified, be a little bit cheaperly managed, and still providing good returns?\n\nChannel 1: Yes. I think that sounds\n\nChannel 0: Yeah.\n\nChannel 1: is there an option that you can sort of say, well, on 5%, we don't mind if we run a high risk or is it kind of then you've got one foot on each side and you've got fees and a whole lot anyway?\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: It does kind of work that with with the balance you have because we're sort of having the two accounts. It's better to kind of make sure they're all combined in a in\n\nChannel 1: Yep.\n\nChannel 0: a very similar risk level. With having\n\nChannel 1: Yep.\n\nChannel 0: more money in that pension phase, that's where you wanna be more conservative. You could take a bit more risk in the accumulation phase, but the balance will be much smaller. So it does work out better just to kind of keep it across the two accounts very similar\n\nChannel 1: Yeah.\n\nChannel 0: and making sure you're not overweight and not taking on too much risk because you don't wanna be rolling back or accessing some of that money at a time when there's a very large market dip. It means you have to cement those losses. So just yeah. Being more conservative, this\n\nChannel 1: Yep.\n\nChannel 0: side of things is not\n\nChannel 1: I\n\nChannel 0: bad.\n\nChannel 1: get that.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Yeah.\n\nChannel 1: yeah. Carry on. I do have\n\nChannel 0: No.\n\nChannel 1: one\n\nChannel 0: That's\n\nChannel 1: question.\n\nChannel 0: like\n\nChannel 1: Write it down for the end.\n\nChannel 0: abs you're fine. I know. What is it? Ask it now. Absolutely.\n\nChannel 1: So at the moment, we've got because I sold some shares, money in the bank. And now we intend to buy a property,\n\nChannel 0: Yeah.\n\nChannel 1: but we\n\nChannel 0: Yep.\n\nChannel 1: haven't found one. And those funds have been sitting in my bank for, you know, nearly twelve months\n\nChannel 0: Yes.\n\nChannel 1: and making about, you know, a thousand dollars a month in interest just through the bank. So it's highest\n\nChannel 0: Mhmm.\n\nChannel 1: that you can and still have access to it.\n\nChannel 0: Yeah.\n\nChannel 1: So I can't remember. It's about 4% probably.\n\nChannel 0: Okay.\n\nChannel 1: And I'm just wondering whether there's a better option for that.\n\nChannel 0: There could be. We could look at investing the funds for you in an in your super or in another portfolio. The problem is I would wanna be investing money that you are wanting to access in the short term. So, realistically, money that you wanna access in the next three to five years shouldn't be invested in the market because you do risk, even in a defensive portfolio, seeing markets go up and down and fluctuate. So you do risk accessing money at a down point in the market even because all markets go up and down.\n\nSo,\n\nChannel 1: Yeah.\n\nChannel 0: realistically, money that you're hoping to access in the next sort of one, two, or even three years realistically would be better sitting in a term deposit where\n\nChannel 1: Yeah.\n\nChannel 0: you could or high interest savings account where you can access that\n\nChannel 1: Yep.\n\nChannel 0: without it fluctuating too heavily. Does that make sense?\n\nChannel 1: Yep. No. It's not perfect. It's exactly what\n\nChannel 0: Yeah.\n\nChannel 1: you know, I I thought, but I thought it was\n\nChannel 0: Yeah.\n\nChannel 1: no really.\n\nChannel 0: Absolutely not. Absolutely not. It's always worth asking the question. Absolutely. Perfect.\n\nWell, I'll look at the portfolio. I'll have a look at the research around the super moving 250,000 into pension, making sure we get that drawdown this year, but then also drawing down the 36,000 next year in monthly increments for you. We'll keep some money sitting back in the accumulation phase as well, and we'll look at the deductible contribution. So you're putting in about $2,000 on a monthly basis and then claiming the notice of intent at the end of the year there.\n\nChannel 1: Mhmm.\n\nChannel 0: I'll look at investments that are a bit more passively managed, a bit cheaper, but also providing good returns. The last thing to kinda check-in on is just the risk profile questionnaire. So we've done this every year. It's very much exactly\n\nChannel 1: Yep.\n\nChannel 0: the same. Just a couple of questions. Now I'm altering the accessing question because you wanna access super now, so I'm gonna make that one a a five. So you wanted to access super now. You\n\nChannel 1: Yep.\n\nChannel 0: still do have direct shares, so we can tick that one as a box of one. The next question here is looking at market dips. So we sort of talked about taking less risk in the market. You're feeling a bit more conservative there. If you saw, say, a 20% dip in the market, you know, over the next sort of twelve months or the next one or two years, how do you think you might be feeling?\n\nAre you calling me and saying I wanna put more money in and take advantage of the downtime? Are you a bit concerned because you're accessing super and wanting to find out if there's a safer way to put your funds? Or are you hoping to just hold and wait knowing that markets go through those ups and downs? What do you how do you think he might react?\n\nChannel 1: Interesting. It's it's hard to get your head around the fact that you're aging.\n\nChannel 0: Yep.\n\nChannel 1: Probably yeah. Probably the last one, really. I can still\n\nChannel 0: Yep.\n\nChannel 1: at this point, I'm not the middle one yet.\n\nChannel 0: Yep. No. That's\n\nChannel 1: That makes\n\nChannel 0: okay. Absolutely.\n\nChannel 1: you? That makes sense\n\nChannel 0: Yeah.\n\nChannel 1: to you?\n\nChannel 0: Abs\n\nChannel 1: Yeah.\n\nChannel 0: absolutely. Now when we think of trying to get good returns, we will all want the best return we can, but we understand that we do have to take a a certain amount of risk in order to achieve that certain rate of return. And do you consider yourself comfortable taking a higher level of risk to get higher returns, a medium amount of risk to get average or moderate amount of returns, or no risk to get very little returns?\n\nChannel 1: I'll go medium now.\n\nChannel 0: Yep. Beautiful. I've still ticked the box here that you're trying to, on average, get the best returns you possibly can from the portfolio that you've got there.\n\nChannel 1: Yeah.\n\nChannel 0: And then the last question here is looking at borrowing funds to invest, do you see yourself comfortable borrowing money in order to invest in shares or managed funds, or do you think you would never do something like that again?\n\nChannel 1: No. I wouldn't do that again.\n\nChannel 0: No. That's okay. Beautiful. Excellent. Okay.\n\nSo having a look at that one there for you. My computer's thinking about it a little bit. There we go. Now you've scored there more as a more more of a moderate investor. So in that growth portfolio you have at the moment, that's where you generally see about 80% of your super invested in growth assets, like Australian shares, international shares, listed property, commodities like gold and silver, and then just about 20% in defensive lower risk investments like cash, bonds, and fixed interest.\n\nAs a moderate investor, we've got one of two ways. You can start to reduce it a bit more gradually. Normally, that would see us drop you down to more of a balanced portfolio, which sees 60% of your super invested in those growth investments, and then we're increasing that defensive side of things to about 40% there for you. Do you feel comfortable dropping down to that level, or did you kinda wanna go in the middle of where you are and maybe drop down in increments, 10%\n\nChannel 1: Yeah.\n\nChannel 0: increments. How do you feel?\n\nChannel 1: Well, I think because we still got funds coming in from the investment and they're gonna\n\nChannel 0: Yep.\n\nChannel 1: be but we can afford a little bit of risk. So maybe that staggered approach is the better way for my situation.\n\nChannel 0: Yep. Yeah. Absolutely. Not a problem at all. So I'll look at the balance growth environment for you, which is sort of that seventy thirty split.\n\nSo you're dropping down from 80 to 70 in those growth investments and then bringing up that defensive component by that 10% there as well. Sort of gradually stepping down a bit like taking steps down slowly and gradually towards that\n\nChannel 1: Yeah.\n\nChannel 0: defensive kind of area. If at any point you do feel a bit uncomfortable, let me know. You do still have time on your side, and one of the biggest misconceptions people come up with that I do find is that when we move into pension phase, we should be a 100% defensive and not taking any risk in the market. And as much as you are taking money out on a monthly basis, you still have time to be invested because retirement you can be in retirement for ten, twenty, or thirty, or forty years depending on how long you live for. So you still have time to be invested.\n\nYou're still not wanting to access all that money at once, so it is still good to have that level of risk and take on some risk to get those better returns to make sure you get that longevity. So it's a bit of a juggling act,\n\nChannel 1: Yeah.\n\nChannel 0: but I can show you what this sort of balanced growth environment looks like. The average returns we're sort of chasing compounded in this sort of portfolio is about six to 8%,\n\nChannel 1: Yeah.\n\nChannel 0: and the likelihood of a negative return is about one in six years. So it is less risk than what the growth environment is. I'll look at making sure your portfolio is diversified. We also do consider, you know, when we move and alter portfolios, the CGT consequences inside super because when we buy and sell investments, your super fund still has to pay CGT tax. So we'll make sure we account for that for you.\n\nChannel 1: Mhmm.\n\nChannel 0: One of the things I could probably also look at if you would like me to is one of the things with talking to the local economists, we have seen very high inflation this year. I could look at ways of trying to combat inflation in that defensive environment. Are you comfortable with me sort of having a look at some different investments to maybe compact combat what might be coming in the next few months with what the economist has sort of been saying\n\nChannel 1: Yeah.\n\nChannel 0: for us?\n\nChannel 1: Yep. Absolutely. Differently.\n\nChannel 0: Yep. Beautiful. Lovely. I've got a few options of investments that I have been looking at, but I'll sort of go back and just do a bit of divvy, have a look at, you know, what the research comes up with the longevity side of things, and I'll update the plan there for you. Now you may have mentioned that you guys are in Bundaberg for the next five weeks.\n\nIs that right?\n\nChannel 1: Four now, probably. Yeah.\n\nChannel 0: Four now? Yep. That's okay. It'll\n\nChannel 1: Yeah.\n\nChannel 0: take me about a week or so to do the research. Can I book you back in for, say, maybe the week of the fifteenth?\n\nChannel 1: Yep.\n\nChannel 0: One of those\n\nChannel 1: I'm sure\n\nChannel 0: days to go\n\nChannel 1: what?\n\nChannel 0: through the advice. Would that be okay?\n\nChannel 1: I'll just check my\n\nChannel 0: Absolutely.\n\nChannel 1: diary. Can we what can we make it the seventeenth or Wednesday? It's\n\nChannel 0: Yeah.\n\nChannel 1: Monday\n\nChannel 0: Absolutely. Did you want in the morning or the afternoon? Or\n\nChannel 1: on definitely in the morning.\n\nChannel 0: yeah. Perfect. We can do I look. I start work anywhere from sort of 07:30, 08:00 in the morning. Did you want me to do, like, 08:30, 09:00 for you?\n\nChannel 1: Yep.\n\nChannel 0: Or\n\nChannel 1: I that's fine. Yep.\n\nChannel 0: 09:00? Beautiful. We'll pop that one in there for you. Beautiful. And I'll send a little text message reminder so it sends a message out the day before just with that time and date to make it easier for you.\n\nChannel 1: Yeah. Fantastic.\n\nChannel 0: Beautiful. Lovely. Looking forward to putting this advice together for you. Now that annual review pack has been sent out, it does have the ongoing service agreement for the next twelve months. If you're happy with being on board and staying on board with me for another twelve months and having me as your adviser, I'll get you to sign and return that one back.\n\nIt does have the ongoing service agreement, which is at 1.65% per annum, and our fee is deducted in smaller monthly increments for you. Because we'll\n\nChannel 1: Yep.\n\nChannel 0: be going into pension phase and having those two accounts open, that fee will be deducted. I'll add it into the advice so you can see how that works, but it will work provider across both those accounts there for you.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. But if you're comfortable just signing and returning that one back for me, we can apply that to things, and then we just as the advice updates everything, we'll just update that agreement across the accounts there for you. I've also got attached there the ongoing the annual agreement documents that we've gone through. So it has your balance there with the summary. It's also got the portfolio reports.\n\nYou're welcome to run your eyes over and let me know if you do have any questions there. And I've also got the financial services guide, which we send out regularly to you as well, just updating all the information on who I am, all about us here at iView as well. So feel free to run your eyes over those\n\nChannel 1: Yeah.\n\nChannel 0: documents. If you do find us any questions in relation to them. Please come back and let me know. And, yeah, I'll get working on this research there for you. Okay?\n\nChannel 1: Wonderful. Dana,\n\nChannel 0: Excellent.\n\nChannel 1: as always, you've been outstanding. I appreciate\n\nChannel 0: Oh, thank you\n\nChannel 1: help\n\nChannel 0: so much.\n\nChannel 1: helping me get my head around at all. I'm finding that my research wasn't, you know, completely off the beaten track. So\n\nChannel 0: No. You did very well.\n\nChannel 1: yeah. But I'm I'm quite comfortable with where we're heading. So\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: yeah. Awesome.\n\nChannel 0: Fantastic. Well, I will let you go to enjoy your day. Enjoy the rest of your week. Hopefully, it's nice and sunny out there.\n\nChannel 1: Beautiful out there. It's it's a spectacular day.\n\nChannel 0: Fantastic. Excellent. Well, I'll get cracking on this reset, and I'll talk to you on the seventeenth at 9AM to go through the advice document.\n\nChannel 1: Thank you so much.\n\nChannel 0: Thank you, Catherine. Enjoy your\n\nChannel 1: Okay.\n\nChannel 0: day. Appreciate your\n\nChannel 1: You too.\n\nChannel 0: time. Thanks.\n\nChannel 1: Bye.\n\nChannel 0: See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.4399999,"end":1.92,"sentiment":"neutral","sentiment_score":0.0314444899559021},{"text":"And you?","start":1.92,"end":2.6599998,"sentiment":"neutral","sentiment_score":0.029908813536167145}],"sentiment":"neutral","sentiment_score":0.030420705676078796,"channel":1,"num_words":3,"start":1.4399999,"end":2.6599998},{"sentences":[{"text":"Hi, Catherine.","start":2.96,"end":3.6799998,"sentiment":"neutral","sentiment_score":0.14971213787794113},{"text":"It's Dana from Oakview.","start":3.6799998,"end":4.7999997,"sentiment":"neutral","sentiment_score":0.18246836215257645},{"text":"How are you?","start":4.7999997,"end":5.7,"sentiment":"neutral","sentiment_score":0.21441852549711862}],"sentiment":"neutral","sentiment_score":0.18583925565083823,"channel":0,"num_words":9,"start":2.96,"end":5.7},{"sentences":[{"text":"I'm well.","start":5.92,"end":6.48,"sentiment":"neutral","sentiment_score":0.32961317896842957},{"text":"And 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beneficiaries on super.","start":1548.18,"end":1550.04,"sentiment":"neutral","sentiment_score":0.15386953484266996},{"text":"And on the pension to come as well, you do you want everything, if in the event of you passing early, to be passed down to Greg or","start":1550.345,"end":1557.645,"sentiment":"neutral","sentiment_score":0.03303495082738144}],"sentiment":"neutral","sentiment_score":0.05693486485291611,"channel":0,"num_words":33,"start":1547.38,"end":1557.645},{"sentences":[{"text":"Yeah.","start":1558.2949,"end":1558.7949,"sentiment":"neutral","sentiment_score":0.035609398037195206}],"sentiment":"neutral","sentiment_score":0.035609398037195206,"channel":1,"num_words":1,"start":1558.2949,"end":1558.7949},{"sentences":[{"text":"yep.","start":1559.145,"end":1559.625,"sentiment":"neutral","sentiment_score":0.11190755665302277},{"text":"Beautiful.","start":1559.625,"end":1560.125,"sentiment":"positive","sentiment_score":0.6604689359664917},{"text":"I'll make sure that's all updated for you and confirmed with the advice.","start":1560.265,"end":1564.205,"sentiment":"positive","sentiment_score":0.45660464809491086},{"text":"Beautiful.","start":1564.265,"end":1564.765,"sentiment":"positive","sentiment_score":0.6735848188400269},{"text":"I've got income here 36,000, which is great.","start":1566.05,"end":1569.19,"sentiment":"positive","sentiment_score":0.5490388944745064}],"sentiment":"positive","sentiment_score":0.49058887052039307,"channel":0,"num_words":24,"start":1559.145,"end":1569.19},{"sentences":[{"text":"Everything else looks pretty well.","start":1570.69,"end":1572.71,"sentiment":"positive","sentiment_score":0.5800857305526733},{"text":"As we kinda went through before, your super has done really nicely.","start":1573.33,"end":1576.31,"sentiment":"positive","sentiment_score":0.5519991293549538},{"text":"So when I had a look back at our interview last year, your balance has definitely increased.","start":1576.37,"end":1581.605,"sentiment":"neutral","sentiment_score":0.19843309460317388},{"text":"So we had a balance of $2.51 last year and then that $2.71 $1.04 6 now.","start":1581.605,"end":1586.825,"sentiment":"neutral","sentiment_score":0.07832881715148687},{"text":"When we look at the earnings, the growth, and the income that has generated from the portfolio, even with what's been happening this year and this year, we did see market take a bit of a a dip","start":1587.605,"end":1597.41,"sentiment":"neutral","sentiment_score":-0.0041447517609125685}],"sentiment":"neutral","sentiment_score":0.15901751500893047,"channel":0,"num_words":88,"start":1570.69,"end":1597.41},{"sentences":[{"text":"Yeah.","start":1597.99,"end":1598.49,"sentiment":"neutral","sentiment_score":-0.036451272666454315}],"sentiment":"neutral","sentiment_score":-0.036451272666454315,"channel":1,"num_words":1,"start":1597.99,"end":1598.49},{"sentences":[{"text":"around about that March 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been working quite well, and the gross and the income generated so the total earnings has just been over $26,048 for you.","start":1602.27,"end":1611.1649,"sentiment":"positive","sentiment_score":0.3366657527892486},{"text":"So it shows that a net return is a positive of 8.73%, which is really good.","start":1611.1649,"end":1617.2649,"sentiment":"positive","sentiment_score":0.4291233867406845},{"text":"When we look at that growth portfolio that you're in at the moment, you were sort of chasing annualized returns or compounding annualized returns of about seven to 9%.","start":1617.4049,"end":1627.2,"sentiment":"neutral","sentiment_score":0.07320645348779087},{"text":"The 8% is still in that range.","start":1627.2,"end":1629.46,"sentiment":"neutral","sentiment_score":0.08690279243247849},{"text":"It's kind of mid range","start":1630.4,"end":1631.6799,"sentiment":"neutral","sentiment_score":0.14104219973087312}],"sentiment":"neutral","sentiment_score":0.2255725524853915,"channel":0,"num_words":80,"start":1602.27,"end":1631.6799},{"sentences":[{"text":"Yep.","start":1631.61,"end":1632.015,"sentiment":"neutral","sentiment_score":0.14813628792762756}],"sentiment":"neutral","sentiment_score":0.14813628792762756,"channel":1,"num_words":1,"start":1631.61,"end":1632.015},{"sentences":[{"text":"for where you are in that growth portfolio, and the fact that you've come out with a positive return even with what been going on globally at the moment, it is still a good sign.","start":1631.6799,"end":1639.655,"sentiment":"neutral","sentiment_score":0.2535791431154524}],"sentiment":"neutral","sentiment_score":0.2535791431154524,"channel":0,"num_words":35,"start":1631.6799,"end":1639.655},{"sentences":[{"text":"Mhmm.","start":1640.255,"end":1640.755,"sentiment":"neutral","sentiment_score":-0.028333714231848717}],"sentiment":"neutral","sentiment_score":-0.028333714231848717,"channel":1,"num_words":1,"start":1640.255,"end":1640.755},{"sentences":[{"text":"I have noticed one of your investments, though, has been underperforming.","start":1641.395,"end":1644.455,"sentiment":"neutral","sentiment_score":-0.16182872720740057},{"text":"So you have the Benelung Australian equities in there.","start":1644.755,"end":1647.735,"sentiment":"neutral","sentiment_score":-0.10389392243491279},{"text":"That was originally put into your portfolio.","start":1647.795,"end":1649.8151,"sentiment":"neutral","sentiment_score":-0.0554807468184403},{"text":"They're an the investment manager for Bannalong, they're trying to actively manage that fund and outperform against the market.","start":1650.115,"end":1657.81,"sentiment":"neutral","sentiment_score":-0.066733836147346},{"text":"In recent months, they haven't been able to do that.","start":1658.35,"end":1660.83,"sentiment":"neutral","sentiment_score":-0.1833883911371231}],"sentiment":"neutral","sentiment_score":-0.11080988084099122,"channel":0,"num_words":56,"start":1641.395,"end":1660.83},{"sentences":[{"text":"We don't we're seeing them drop very heavily at the moment, and they're underperforming a little bit.","start":1660.83,"end":1665.435,"sentiment":"neutral","sentiment_score":-0.24511626538108378},{"text":"So I would like to, as part of the advice, go back and remove that for you.","start":1665.755,"end":1669.6951,"sentiment":"neutral","sentiment_score":-0.0763617192997652}],"sentiment":"neutral","sentiment_score":-0.1607389923404245,"channel":0,"num_words":34,"start":1660.83,"end":1669.6951},{"sentences":[{"text":"Mhmm.","start":1670.3451,"end":1670.8451,"sentiment":"neutral","sentiment_score":0.04329928755760193}],"sentiment":"neutral","sentiment_score":0.04329928755760193,"channel":1,"num_words":1,"start":1670.3451,"end":1670.8451},{"sentences":[{"text":"I can do a couple of things.","start":1670.555,"end":1672.0751,"sentiment":"neutral","sentiment_score":0.19413449508803232},{"text":"I can look at putting in another investment manager that's active and trying to outperform against the market, or I could look at some passive funds that might be cheaper for you.","start":1672.0751,"end":1682.16,"sentiment":"neutral","sentiment_score":0.24617896834388375},{"text":"Did you wanna have that active management, or do you wanna focus on a bit of a cheaper portfolio that might save you in fees?","start":1682.16,"end":1688.34,"sentiment":"neutral","sentiment_score":0.217138634622097}],"sentiment":"neutral","sentiment_score":0.22914272372145206,"channel":0,"num_words":64,"start":1670.555,"end":1688.34},{"sentences":[{"text":"This stage, you know, when you're starting to draw down, you could think of it differently,","start":1693.235,"end":1697.075,"sentiment":"neutral","sentiment_score":-0.020485046436078846}],"sentiment":"neutral","sentiment_score":-0.020485046436078846,"channel":1,"num_words":16,"start":1693.235,"end":1697.075},{"sentences":[{"text":"Mhmm.","start":1696.8151,"end":1697.3151,"sentiment":"neutral","sentiment_score":-0.01971611939370632}],"sentiment":"neutral","sentiment_score":-0.01971611939370632,"channel":0,"num_words":1,"start":1696.8151,"end":1697.3151},{"sentences":[{"text":"don't 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diversified, be a little bit cheaperly managed, and still providing good returns?","start":1773.285,"end":1784.8251,"sentiment":"positive","sentiment_score":0.37887881382515554}],"sentiment":"positive","sentiment_score":0.37791356902856094,"channel":0,"num_words":39,"start":1772.405,"end":1784.8251},{"sentences":[{"text":"Yes.","start":1786.205,"end":1786.6849,"sentiment":"neutral","sentiment_score":0.28285157680511475},{"text":"I think that sounds","start":1786.6849,"end":1787.73,"sentiment":"neutral","sentiment_score":0.3050594851374626}],"sentiment":"neutral","sentiment_score":0.30061790347099304,"channel":1,"num_words":5,"start":1786.205,"end":1787.73},{"sentences":[{"text":"Yeah.","start":1787.28,"end":1787.78,"sentiment":"neutral","sentiment_score":-0.01017838530242443}],"sentiment":"neutral","sentiment_score":-0.01017838530242443,"channel":0,"num_words":1,"start":1787.28,"end":1787.78},{"sentences":[{"text":"is there an option that you can sort of say, well, on 5%, we don't mind if we run a high risk or is it kind of then you've got one foot on each side and you've got fees and a whole lot anyway?","start":1788.45,"end":1800.71,"sentiment":"neutral","sentiment_score":-0.03821038372221996}],"sentiment":"neutral","sentiment_score":-0.03821038372221996,"channel":1,"num_words":44,"start":1788.45,"end":1800.71},{"sentences":[{"text":"Yeah.","start":1801.375,"end":1801.615,"sentiment":"neutral","sentiment_score":0.13961797952651978}],"sentiment":"neutral","sentiment_score":0.13961797952651978,"channel":0,"num_words":1,"start":1801.375,"end":1801.615},{"sentences":[{"text":"Yep.","start":1801.575,"end":1802.075,"sentiment":"neutral","sentiment_score":0.2583402097225189}],"sentiment":"neutral","sentiment_score":0.2583402097225189,"channel":1,"num_words":1,"start":1801.575,"end":1802.075},{"sentences":[{"text":"It does kind of work that with with the balance you have because we're sort of having the two 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because I sold some shares, money in the bank.","start":1854.2,"end":1860.705,"sentiment":"neutral","sentiment_score":0.009004170447587967},{"text":"And now we intend to buy a property,","start":1860.705,"end":1862.485,"sentiment":"neutral","sentiment_score":0.02597035630606115}],"sentiment":"neutral","sentiment_score":0.01490545248531777,"channel":1,"num_words":23,"start":1854.2,"end":1862.485},{"sentences":[{"text":"Yeah.","start":1862.175,"end":1862.675,"sentiment":"neutral","sentiment_score":-0.016077574342489243}],"sentiment":"neutral","sentiment_score":-0.016077574342489243,"channel":0,"num_words":1,"start":1862.175,"end":1862.675},{"sentences":[{"text":"but 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highest","start":1878.6799,"end":1879.5599,"sentiment":"neutral","sentiment_score":-0.025894584755102795}],"sentiment":"neutral","sentiment_score":-0.0272671313662278,"channel":1,"num_words":19,"start":1872.6,"end":1879.5599},{"sentences":[{"text":"Mhmm.","start":1879.4049,"end":1879.9049,"sentiment":"neutral","sentiment_score":-0.001977939158678055}],"sentiment":"neutral","sentiment_score":-0.001977939158678055,"channel":0,"num_words":1,"start":1879.4049,"end":1879.9049},{"sentences":[{"text":"that you can and still have access to 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box of one.","start":2006.07,"end":2010.41,"sentiment":"neutral","sentiment_score":0.17825330747291446},{"text":"The next question here is looking at market dips.","start":2011.115,"end":2014.235,"sentiment":"neutral","sentiment_score":0.00810607491681973},{"text":"So we sort of talked about taking less risk in the market.","start":2014.235,"end":2016.7151,"sentiment":"neutral","sentiment_score":0.03514723076174656},{"text":"You're feeling a bit more conservative there.","start":2016.7151,"end":2018.8151,"sentiment":"neutral","sentiment_score":0.04875897243618965},{"text":"If you saw, say, a 20% dip in the market, you know, over the next sort of twelve months or the next one or two years, how do you think you might be feeling?","start":2018.9551,"end":2027.2201,"sentiment":"neutral","sentiment_score":-0.008794311981867342}],"sentiment":"neutral","sentiment_score":0.0434497508029334,"channel":0,"num_words":78,"start":2006.07,"end":2027.2201},{"sentences":[{"text":"Are you calling me and saying I wanna put more money in and take advantage of the downtime?","start":2027.2201,"end":2031.0,"sentiment":"neutral","sentiment_score":-0.08391234651207924},{"text":"Are you a bit concerned because you're accessing super and wanting to find out if there's a safer way to put your funds?","start":2031.2201,"end":2037.7201,"sentiment":"neutral","sentiment_score":-0.10580703470370044},{"text":"Or are you hoping to just hold and wait knowing that markets go through those ups and downs?","start":2037.925,"end":2042.745,"sentiment":"neutral","sentiment_score":-0.09711628883249229},{"text":"What do you how do you think he might react?","start":2042.885,"end":2044.985,"sentiment":"neutral","sentiment_score":-0.05898660160601139}],"sentiment":"neutral","sentiment_score":-0.09104265580358713,"channel":0,"num_words":69,"start":2027.2201,"end":2044.985},{"sentences":[{"text":"Interesting.","start":2050.93,"end":2051.43,"sentiment":"neutral","sentiment_score":-0.11189377307891846},{"text":"It's it's hard to get your head around the fact that you're aging.","start":2052.6099,"end":2055.75,"sentiment":"neutral","sentiment_score":-0.29497278997531307}],"sentiment":"neutral","sentiment_score":-0.2818957173398563,"channel":1,"num_words":14,"start":2050.93,"end":2055.75},{"sentences":[{"text":"Yep.","start":2057.7,"end":2058.2,"sentiment":"neutral","sentiment_score":-0.03725522756576538}],"sentiment":"neutral","sentiment_score":-0.03725522756576538,"channel":0,"num_words":1,"start":2057.7,"end":2058.2},{"sentences":[{"text":"Probably yeah.","start":2057.895,"end":2061.655,"sentiment":"neutral","sentiment_score":-0.044617785140872},{"text":"Probably the last one, really.","start":2061.655,"end":2063.0151,"sentiment":"neutral","sentiment_score":-0.07142047435045243},{"text":"I can still","start":2063.0151,"end":2063.815,"sentiment":"neutral","sentiment_score":-0.05062975858648618}],"sentiment":"neutral","sentiment_score":-0.059822721779346465,"channel":1,"num_words":10,"start":2057.895,"end":2063.815},{"sentences":[{"text":"Yep.","start":2063.7148,"end":2064.2148,"sentiment":"neutral","sentiment_score":-0.024646397680044178}],"sentiment":"neutral","sentiment_score":-0.024646397680044178,"channel":0,"num_words":1,"start":2063.7148,"end":2064.2148},{"sentences":[{"text":"at this point, I'm not the middle one yet.","start":2063.895,"end":2067.915,"sentiment":"neutral","sentiment_score":-0.12230103214581807}],"sentiment":"neutral","sentiment_score":-0.12230103214581807,"channel":1,"num_words":9,"start":2063.895,"end":2067.915},{"sentences":[{"text":"Yep.","start":2068.355,"end":2068.855,"sentiment":"neutral","sentiment_score":-0.006854625418782234},{"text":"No.","start":2068.915,"end":2069.155,"sentiment":"neutral","sentiment_score":-0.04301179572939873},{"text":"That's","start":2069.155,"end":2069.4749,"sentiment":"neutral","sentiment_score":-0.0016317095141857862}],"sentiment":"neutral","sentiment_score":-0.01716604355412225,"channel":0,"num_words":3,"start":2068.355,"end":2069.4749},{"sentences":[{"text":"That makes","start":2069.3499,"end":2069.91,"sentiment":"neutral","sentiment_score":0.02717609331011772}],"sentiment":"neutral","sentiment_score":0.02717609331011772,"channel":1,"num_words":2,"start":2069.3499,"end":2069.91},{"sentences":[{"text":"okay.","start":2069.4749,"end":2069.9749,"sentiment":"neutral","sentiment_score":0.07184618711471558},{"text":"Absolutely.","start":2070.115,"end":2070.615,"sentiment":"neutral","sentiment_score":0.10747489333152772}],"sentiment":"neutral","sentiment_score":0.08966054022312164,"channel":0,"num_words":2,"start":2069.4749,"end":2070.615},{"sentences":[{"text":"you?","start":2070.27,"end":2070.63,"sentiment":"neutral","sentiment_score":0.0759463906288147},{"text":"That makes sense","start":2070.63,"end":2071.3499,"sentiment":"neutral","sentiment_score":0.07870106026530266}],"sentiment":"neutral","sentiment_score":0.07801239285618067,"channel":1,"num_words":4,"start":2070.27,"end":2071.3499},{"sentences":[{"text":"Yeah.","start":2071.155,"end":2071.555,"sentiment":"neutral","sentiment_score":0.04160755127668381}],"sentiment":"neutral","sentiment_score":0.04160755127668381,"channel":0,"num_words":1,"start":2071.155,"end":2071.555},{"sentences":[{"text":"to you?","start":2071.3499,"end":2072.01,"sentiment":"neutral","sentiment_score":0.02216451894491911}],"sentiment":"neutral","sentiment_score":0.02216451894491911,"channel":1,"num_words":2,"start":2071.3499,"end":2072.01},{"sentences":[{"text":"Abs","start":2071.555,"end":2072.055,"sentiment":"neutral","sentiment_score":0.008226791396737099}],"sentiment":"neutral","sentiment_score":0.008226791396737099,"channel":0,"num_words":1,"start":2071.555,"end":2072.055},{"sentences":[{"text":"Yeah.","start":2072.31,"end":2072.81,"sentiment":"neutral","sentiment_score":0.028490372002124783}],"sentiment":"neutral","sentiment_score":0.028490372002124783,"channel":1,"num_words":1,"start":2072.31,"end":2072.81},{"sentences":[{"text":"absolutely.","start":2072.4348,"end":2072.9348,"sentiment":"neutral","sentiment_score":0.05357065796852112},{"text":"Now when we think of trying to get good returns, we will all want the best return we can, but we understand that we do have to take a a certain amount of risk in order to achieve that certain rate of return.","start":2073.7148,"end":2084.3599,"sentiment":"neutral","sentiment_score":-0.022340318837831188},{"text":"And do you consider yourself comfortable taking a higher level of risk to get higher returns, a medium amount of risk to get average or moderate amount of returns, or no risk to get very little returns?","start":2084.8198,"end":2096.295,"sentiment":"neutral","sentiment_score":-0.04664881970431354}],"sentiment":"neutral","sentiment_score":-0.032507029396516306,"channel":0,"num_words":81,"start":2072.4348,"end":2096.295},{"sentences":[{"text":"I'll go medium now.","start":2096.7148,"end":2097.93,"sentiment":"neutral","sentiment_score":0.0037105625960975885}],"sentiment":"neutral","sentiment_score":0.0037105625960975885,"channel":1,"num_words":4,"start":2096.7148,"end":2097.93},{"sentences":[{"text":"Yep.","start":2098.5151,"end":2098.915,"sentiment":"neutral","sentiment_score":0.20974421501159668},{"text":"Beautiful.","start":2098.915,"end":2099.415,"sentiment":"positive","sentiment_score":0.556067705154419},{"text":"I've still ticked the box here that you're trying to, on average, get the best returns you possibly can from the portfolio that you've got there.","start":2100.675,"end":2107.4602,"sentiment":"positive","sentiment_score":0.3898388697550847}],"sentiment":"positive","sentiment_score":0.38934366192136494,"channel":0,"num_words":28,"start":2098.5151,"end":2107.4602},{"sentences":[{"text":"Yeah.","start":2108.01,"end":2108.51,"sentiment":"neutral","sentiment_score":0.08822669088840485}],"sentiment":"neutral","sentiment_score":0.08822669088840485,"channel":1,"num_words":1,"start":2108.01,"end":2108.51},{"sentences":[{"text":"And then the last question here is looking at borrowing funds to invest, do you see yourself comfortable borrowing money in order to invest in shares or managed funds, or do you think you would never do something like that again?","start":2108.6401,"end":2121.505,"sentiment":"neutral","sentiment_score":-0.030159697072898468}],"sentiment":"neutral","sentiment_score":-0.030159697072898468,"channel":0,"num_words":41,"start":2108.6401,"end":2121.505},{"sentences":[{"text":"No.","start":2123.175,"end":2123.415,"sentiment":"negative","sentiment_score":-0.4243577718734741},{"text":"I wouldn't do that again.","start":2123.415,"end":2124.635,"sentiment":"negative","sentiment_score":-0.4354539752006531}],"sentiment":"negative","sentiment_score":-0.4336046079794566,"channel":1,"num_words":6,"start":2123.175,"end":2124.635},{"sentences":[{"text":"No.","start":2125.005,"end":2125.2449,"sentiment":"neutral","sentiment_score":-0.19493840634822843},{"text":"That's okay.","start":2125.2449,"end":2125.9648,"sentiment":"neutral","sentiment_score":-0.01241757720708847},{"text":"Beautiful.","start":2125.9648,"end":2126.4648,"sentiment":"positive","sentiment_score":0.4695369005203247},{"text":"Excellent.","start":2127.565,"end":2128.065,"sentiment":"positive","sentiment_score":0.5089196562767029},{"text":"Okay.","start":2128.525,"end":2129.025,"sentiment":"neutral","sentiment_score":0.21252121031284332}],"sentiment":"neutral","sentiment_score":0.16186736772457758,"channel":0,"num_words":6,"start":2125.005,"end":2129.025},{"sentences":[{"text":"So having a look at that one there for you.","start":2129.325,"end":2132.625,"sentiment":"neutral","sentiment_score":0.1876762330532074},{"text":"My computer's thinking about it a little bit.","start":2134.97,"end":2136.97,"sentiment":"neutral","sentiment_score":0.05809240462258458},{"text":"There we go.","start":2136.97,"end":2137.79,"sentiment":"neutral","sentiment_score":0.0218934528529644},{"text":"Now you've scored there more as a more more of a moderate investor.","start":2138.33,"end":2142.1099,"sentiment":"neutral","sentiment_score":0.24002671700257522},{"text":"So in that growth portfolio you have at the moment, that's where you generally see about 80% of your super invested in growth assets, like Australian shares, international shares, listed property, commodities like gold and silver, and then just about 20% in defensive lower risk investments like cash, bonds, and fixed interest.","start":2142.25,"end":2159.375,"sentiment":"neutral","sentiment_score":0.21465518354223326}],"sentiment":"neutral","sentiment_score":0.19406510222443316,"channel":0,"num_words":86,"start":2129.325,"end":2159.375},{"sentences":[{"text":"As a moderate investor, we've got one of two ways.","start":2159.755,"end":2162.3,"sentiment":"neutral","sentiment_score":0.24820746183395387},{"text":"You can start to reduce it a bit more gradually.","start":2162.3,"end":2164.6401,"sentiment":"neutral","sentiment_score":0.12388239428400993},{"text":"Normally, that would see us drop you down to more of a balanced portfolio, which sees 60% of your super invested in those growth investments, and then we're increasing that defensive side of things to about 40% there for you.","start":2165.1,"end":2177.9348,"sentiment":"neutral","sentiment_score":0.2746862281113863},{"text":"Do you feel comfortable dropping down to that level, or did you kinda wanna go in the middle of where you are and maybe drop down in increments, 10%","start":2178.155,"end":2188.17,"sentiment":"neutral","sentiment_score":0.13267722340493365}],"sentiment":"neutral","sentiment_score":0.20849423780200188,"channel":0,"num_words":89,"start":2159.755,"end":2188.17},{"sentences":[{"text":"Yeah.","start":2188.0,"end":2188.5,"sentiment":"neutral","sentiment_score":0.11524328589439392}],"sentiment":"neutral","sentiment_score":0.11524328589439392,"channel":1,"num_words":1,"start":2188.0,"end":2188.5},{"sentences":[{"text":"increments.","start":2188.17,"end":2188.57,"sentiment":"neutral","sentiment_score":0.14412730932235718},{"text":"How do you feel?","start":2188.57,"end":2189.55,"sentiment":"neutral","sentiment_score":0.17595326155424118}],"sentiment":"neutral","sentiment_score":0.1695880711078644,"channel":0,"num_words":5,"start":2188.17,"end":2189.55},{"sentences":[{"text":"Well, I think because we still got funds coming in from the investment and they're gonna","start":2189.8398,"end":2194.785,"sentiment":"neutral","sentiment_score":0.22861451376229525}],"sentiment":"neutral","sentiment_score":0.22861451376229525,"channel":1,"num_words":16,"start":2189.8398,"end":2194.785},{"sentences":[{"text":"Yep.","start":2194.57,"end":2195.07,"sentiment":"neutral","sentiment_score":0.14383450150489807}],"sentiment":"neutral","sentiment_score":0.14383450150489807,"channel":0,"num_words":1,"start":2194.57,"end":2195.07},{"sentences":[{"text":"be but we can afford a little bit of risk.","start":2194.785,"end":2197.825,"sentiment":"neutral","sentiment_score":-0.013407636433839798},{"text":"So maybe that staggered approach is the better way for my situation.","start":2197.825,"end":2204.165,"sentiment":"neutral","sentiment_score":0.1332748383283615}],"sentiment":"neutral","sentiment_score":0.06660098616372455,"channel":1,"num_words":22,"start":2194.785,"end":2204.165},{"sentences":[{"text":"Yep.","start":2204.585,"end":2204.9849,"sentiment":"neutral","sentiment_score":0.2168133705854416},{"text":"Yeah.","start":2204.9849,"end":2205.385,"sentiment":"positive","sentiment_score":0.3423996567726135},{"text":"Absolutely.","start":2205.385,"end":2205.885,"sentiment":"positive","sentiment_score":0.403992235660553},{"text":"Not a problem at all.","start":2206.1848,"end":2207.4849,"sentiment":"positive","sentiment_score":0.41783843040466306},{"text":"So I'll look at the balance growth environment for you, which is sort of that seventy thirty split.","start":2208.265,"end":2213.72,"sentiment":"neutral","sentiment_score":0.22967814488543403}],"sentiment":"neutral","sentiment_score":0.2764078470376822,"channel":0,"num_words":26,"start":2204.585,"end":2213.72},{"sentences":[{"text":"So you're dropping down from 80 to 70 in those growth investments and then bringing up that defensive component by that 10% there as well.","start":2213.72,"end":2221.72,"sentiment":"neutral","sentiment_score":0.17670524269342422},{"text":"Sort of gradually stepping down a bit like taking steps down slowly and gradually towards 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market.","start":2233.365,"end":2245.72,"sentiment":"neutral","sentiment_score":-0.1735794869336215},{"text":"And as much as you are taking money out on a monthly basis, you still have time to be invested because retirement you can be in retirement for ten, twenty, or thirty, or forty years depending on how long you live for.","start":2245.94,"end":2257.355,"sentiment":"neutral","sentiment_score":0.13133098451154573},{"text":"So you still have time to be invested.","start":2257.355,"end":2259.4548,"sentiment":"neutral","sentiment_score":0.14605088895768858}],"sentiment":"neutral","sentiment_score":-0.035827686563385905,"channel":0,"num_words":111,"start":2227.6848,"end":2259.4548},{"sentences":[{"text":"You're still not wanting to access all that money at once, so it is still good to have that level of risk and take on some risk to get those better returns to make sure you get that longevity.","start":2259.9949,"end":2270.3398,"sentiment":"neutral","sentiment_score":-0.044324408834561325},{"text":"So it's a bit of a juggling act,","start":2270.64,"end":2272.66,"sentiment":"neutral","sentiment_score":0.010660820873454213}],"sentiment":"neutral","sentiment_score":-0.03496522079915442,"channel":0,"num_words":47,"start":2259.9949,"end":2272.66},{"sentences":[{"text":"Yeah.","start":2273.0,"end":2273.5,"sentiment":"neutral","sentiment_score":0.049979303032159805}],"sentiment":"neutral","sentiment_score":0.049979303032159805,"channel":1,"num_words":1,"start":2273.0,"end":2273.5},{"sentences":[{"text":"but I can show you what this sort of balanced growth environment looks like.","start":2273.0398,"end":2277.255,"sentiment":"neutral","sentiment_score":0.1731856699500765},{"text":"The average returns we're sort of chasing compounded in this sort of portfolio is about six to 8%,","start":2277.575,"end":2283.4348,"sentiment":"neutral","sentiment_score":0.04749534030755361}],"sentiment":"neutral","sentiment_score":0.10248485952615738,"channel":0,"num_words":32,"start":2273.0398,"end":2283.4348},{"sentences":[{"text":"Yeah.","start":2284.185,"end":2284.685,"sentiment":"neutral","sentiment_score":-0.0030012205243110657}],"sentiment":"neutral","sentiment_score":-0.0030012205243110657,"channel":1,"num_words":1,"start":2284.185,"end":2284.685},{"sentences":[{"text":"and the likelihood of a negative return is about one in six years.","start":2284.4548,"end":2287.815,"sentiment":"neutral","sentiment_score":-0.24894057902006003},{"text":"So it is less risk than what the growth environment is.","start":2287.815,"end":2291.035,"sentiment":"neutral","sentiment_score":-0.08246693286028775},{"text":"I'll look at making sure your portfolio is diversified.","start":2292.0698,"end":2294.65,"sentiment":"neutral","sentiment_score":0.11677498204840554},{"text":"We also do consider, you know, when we move and alter portfolios, the CGT consequences inside super because when we buy and sell investments, your super fund still has to pay CGT tax.","start":2295.19,"end":2307.535,"sentiment":"neutral","sentiment_score":0.05148103042985454},{"text":"So we'll make sure we account for that for you.","start":2307.535,"end":2310.4348,"sentiment":"neutral","sentiment_score":0.08912772759795189}],"sentiment":"neutral","sentiment_score":-0.006608390396362857,"channel":0,"num_words":76,"start":2284.4548,"end":2310.4348},{"sentences":[{"text":"Mhmm.","start":2311.115,"end":2311.615,"sentiment":"neutral","sentiment_score":0.015041345730423927}],"sentiment":"neutral","sentiment_score":0.015041345730423927,"channel":1,"num_words":1,"start":2311.115,"end":2311.615},{"sentences":[{"text":"One of the things I could probably also look at if you would like me to is one of the things with talking to the local economists, we have seen very high inflation this year.","start":2311.615,"end":2320.72,"sentiment":"neutral","sentiment_score":-0.025823716393538882},{"text":"I could look at ways of trying to combat inflation in that defensive environment.","start":2321.18,"end":2325.28,"sentiment":"neutral","sentiment_score":-0.10835968224065644},{"text":"Are you comfortable with me sort of having a look at some different investments to maybe compact combat what might be coming in the next few months with what the economist has sort of been saying","start":2325.5,"end":2335.7952,"sentiment":"neutral","sentiment_score":-0.01718956521815724}],"sentiment":"neutral","sentiment_score":-0.03576105850584367,"channel":0,"num_words":85,"start":2311.615,"end":2335.7952},{"sentences":[{"text":"Yeah.","start":2335.79,"end":2336.11,"sentiment":"neutral","sentiment_score":-0.010772913694381714}],"sentiment":"neutral","sentiment_score":-0.010772913694381714,"channel":1,"num_words":1,"start":2335.79,"end":2336.11},{"sentences":[{"text":"for us?","start":2335.7952,"end":2336.455,"sentiment":"neutral","sentiment_score":-0.007926517631858587}],"sentiment":"neutral","sentiment_score":-0.007926517631858587,"channel":0,"num_words":2,"start":2335.7952,"end":2336.455},{"sentences":[{"text":"Yep.","start":2336.11,"end":2336.61,"sentiment":"neutral","sentiment_score":0.0408262275159359},{"text":"Absolutely.","start":2336.67,"end":2337.17,"sentiment":"neutral","sentiment_score":0.08312477171421051},{"text":"Differently.","start":2337.71,"end":2338.21,"sentiment":"neutral","sentiment_score":0.07518333196640015}],"sentiment":"neutral","sentiment_score":0.06637811039884885,"channel":1,"num_words":3,"start":2336.11,"end":2338.21},{"sentences":[{"text":"Yep.","start":2338.195,"end":2338.695,"sentiment":"neutral","sentiment_score":0.14910361170768738},{"text":"Beautiful.","start":2338.7551,"end":2339.2551,"sentiment":"positive","sentiment_score":0.5175318717956543},{"text":"Lovely.","start":2340.115,"end":2340.615,"sentiment":"positive","sentiment_score":0.5478997230529785},{"text":"I've got a few options of investments that I have been looking at, but I'll sort of go back and just do a bit of divvy, have a look at, you know, what the research comes up with the longevity side of things, and I'll update the plan there for you.","start":2341.7952,"end":2353.9001,"sentiment":"neutral","sentiment_score":0.23020722264168308},{"text":"Now you may have mentioned that you guys are in Bundaberg for the next five weeks.","start":2354.04,"end":2358.04,"sentiment":"neutral","sentiment_score":0.0898321820423007}],"sentiment":"neutral","sentiment_score":0.20560597819941384,"channel":0,"num_words":70,"start":2338.195,"end":2358.04},{"sentences":[{"text":"Is that right?","start":2358.04,"end":2358.86,"sentiment":"neutral","sentiment_score":0.056492261588573456}],"sentiment":"neutral","sentiment_score":0.056492261588573456,"channel":0,"num_words":3,"start":2358.04,"end":2358.86},{"sentences":[{"text":"Four now, 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They offer full retirement plans with no income tax or cost of retirement, and explain the process of moving money into the pension phase. The speaker emphasizes the importance of full retirement access and the benefits of moving into the pension phase, including lower income and lower tax payments. They also discuss the process of updating retirement plans and updating retirement savings accounts, as well as the importance of being flexible in retirement contributions and reducing risk levels. The speaker provides information on investment and risk management, and offers to provide more information and updates the plan for the caller."},"intents":{"segments":[{"text":"So what we've you know, we're having to draw off to to live on it. We're we're paying a high percentage in tax on it. Yeah. Yes.","start_word":341,"end_word":367,"intents":[{"intent":"Educate about tax implications","confidence_score":0.003008221}]},{"text":"So as far as moving into pension phase, so would we Yep. just move, you know, for example, 36,000 a year cost? Is that how it works?","start_word":699,"end_word":725,"intents":[{"intent":"Move in","confidence_score":0.09378066}]},{"text":"still earning on the funds that are in the account, like the pension phase part?","start_word":797,"end_word":811,"intents":[{"intent":"Earn money","confidence_score":0.35428792}]},{"text":"There are rules around how much you can take. So you do have a minimum based on your age of about 4% that you would have to take of the balance. So if we moved over, say, a 150,000 in the pension phase for the year, you have to take a minimum of 4% balance. Yeah.","start_word":1001,"end_word":1056,"intents":[{"intent":"Obtain rules","confidence_score":0.00046060342}]},{"text":"Because you're fully retired, you have full access. If you need extra funds drawn down, that can be accounted for, and you can draw down as much of the balance as you need to in that year.","start_word":1064,"end_word":1100,"intents":[{"intent":"Inform about retirement benefits","confidence_score":0.0020355433}]},{"text":"So you're wanting to have this updated and be in pension phase by the end of this financial year so you can take If it that minimum drawdown?","start_word":1380,"end_word":1407,"intents":[{"intent":"Schedule plan upgrade","confidence_score":0.00017040248}]},{"text":"So can I just get clear and write some Yeah. notes down?","start_word":1477,"end_word":1488,"intents":[{"intent":"Obtain notes","confidence_score":0.021802804}]},{"text":"It's a it's a way you're accumulating wealth yep. just to Okay.","start_word":1529,"end_word":1540,"intents":[{"intent":"Explain accumulating wealth","confidence_score":0.00095909555}]},{"text":"the that's been taxed and CGT on any profits. Is that right? Yeah.","start_word":1561,"end_word":1573,"intents":[{"intent":"Evaluate cgtv benefits","confidence_score":1.8859753e-8},{"intent":"Evaluate cgt benefits","confidence_score":0.006189794}]},{"text":"in full pension phase, there's no maximum on how much you can draw down. So the difference with what we were talking about last year, we were talking about the transition retirement sort Yes. of strategies.","start_word":1728,"end_word":1763,"intents":[{"intent":"Educate about pension plan","confidence_score":0.000014993818}]},{"text":"The way I sort of like to look at the soup in the pension, because it does get a little bit confusing, is accumulating is just building wealth, and you are taxed when you're building that wealth. Pension is when you're taking money out, and it's a tax free environment if that helps a little bit. Yeah.","start_word":2099,"end_word":2155,"intents":[{"intent":"Evaluate pension culture","confidence_score":0.000023326907}]},{"text":"which, you know, obviously, I don't get paid, but it'll cover our costs for accommodation quite often in power and water.","start_word":2380,"end_word":2400,"intents":[{"intent":"Cover accommodation costs","confidence_score":0.21769135}]},{"text":"So we're here for five weeks, and then we've got a couple of weeks break, and we'll wander up to Ingham. And we'll do the same there again at at the Fantastic. CNCA Park. And Fantastic. then break in between, and we do in the South.","start_word":2452,"end_word":2497,"intents":[{"intent":"Travel to ingham","confidence_score":0.033080127}]},{"text":"So we're here for five weeks, and then we've got a couple of weeks break, and we'll wander up to Ingham. And we'll do the same there again at at the Fantastic. CNCA Park. And Fantastic. then break in between, and we do in the South. Wow.","start_word":2452,"end_word":2498,"intents":[{"intent":"Rearrange trip trips","confidence_score":0.000003210326}]},{"text":"And you're seeing a lot of the country at the same time. Yeah.","start_word":2499,"end_word":2511,"intents":[{"intent":"Explore country scenery","confidence_score":0.025946822}]},{"text":"What's your sort of plan with the super side of things with the contribution?","start_word":2839,"end_word":2852,"intents":[{"intent":"Discuss super contributions and plan for contributions","confidence_score":0.000019326386}]},{"text":"Because the contributions cap for this year was 30,000. The contributions cap for next financial year does go up to 32,500, so least. that'll be the maximum that we Yeah.","start_word":2935,"end_word":2964,"intents":[{"intent":"Specify contribution amount for next financial year","confidence_score":0.000018073733}]},{"text":"like a comfort Yep. level? That's pretty good.","start_word":3023,"end_word":3030,"intents":[{"intent":"Inquire about comfort level","confidence_score":0.03222839}]},{"text":"So we'll do those 4% this year, which is the 12,500 currently. Yeah.","start_word":3061,"end_word":3073,"intents":[{"intent":"Set monthly pension plan","confidence_score":0.00006582706}]},{"text":"of thinking coming up to the Olympics, it'll probably be time to sell one of the properties. Yep.","start_word":3412,"end_word":3429,"intents":[{"intent":"Sell property","confidence_score":0.5676947}]},{"text":"So with pension phase, you can we can roll back from pension phase into accumulation and back again and refresh those as often as we like. We've got some clients where we speak to them every year, and we roll them back into accumulation and do a bit of a refresh and roll more money into pension phase and kind of readjust the drawdowns for them. So Yeah.","start_word":3482,"end_word":3549,"intents":[{"intent":"Refresh pension phase","confidence_score":0.11325854}]},{"text":"And I noticed looking down the track when you do kinda hit the age of 67 and you're wanting to maybe look at age pension and eligibility for things like that, we can even look at ways of sheltering funds so that it's assessed lower or it might help the assessment for Centrelink.","start_word":3600,"end_word":3652,"intents":[{"intent":"Assess asset eligibility","confidence_score":0.018739512}]},{"text":"find the right person to ask all that sort of stuff that knows both Yeah.","start_word":3796,"end_word":3810,"intents":[{"intent":"Confirm identity","confidence_score":0.012099974}]},{"text":"find the right person to ask all that sort of stuff that knows both Yeah. system.","start_word":3796,"end_word":3811,"intents":[{"intent":"Find right person","confidence_score":0.30072752}]},{"text":"I can do some general information and look up some general information for you and see what we can find. But, yeah, Yeah.","start_word":3888,"end_word":3910,"intents":[{"intent":"Provide general information","confidence_score":0.062389374}]},{"text":"stuck on well, but I'll I'll probably ring Centrelink. I think that'd probably be the best Yeah.","start_word":3948,"end_word":3964,"intents":[{"intent":"Suggest contacting centrelink","confidence_score":0.0098002}]},{"text":"If you like, I could also just do a bit of research and see what I can find from Centrelink, and I can send you just some general information via your email there if you like just Yeah. to sort of That'll show be you what what I can find and might help you out with a bit of reading material. great.","start_word":4022,"end_word":4083,"intents":[{"intent":"Offer assistance","confidence_score":0.026295984}]},{"text":"If you do happen to call Centrelink, make sure you've got a spare kind of two hours available Are because you sitting on hold yes. with them is It's great in New Zealand.","start_word":4096,"end_word":4128,"intents":[{"intent":"Encourage call/relocation","confidence_score":1.1246502e-8}]},{"text":"Just updating the asset value of that property, you had about 750,000 last year. Would you keep that about the same, or would you kind of change or update that at all? Do we actually want to be realistic on market value? Yeah.","start_word":4231,"end_word":4273,"intents":[{"intent":"Update property value","confidence_score":0.026251528}]},{"text":"And on the pension to come as well, you do you want everything, if in the event of you passing early, to be passed down to Greg or Yeah. yep. Beautiful. I'll make sure that's all updated for you and confirmed with the advice. Beautiful.","start_word":4786,"end_word":4830,"intents":[{"intent":"Update pension information","confidence_score":0.12515986}]},{"text":"I'll make sure that's all updated for you and confirmed with the advice. Beautiful.","start_word":4816,"end_word":4829,"intents":[{"intent":"Update assets","confidence_score":0.00076160533}]},{"text":"When we look at that growth portfolio that you're in at the moment, you were sort of chasing annualized returns or compounding annualized returns of about seven to 9%. The 8% is still in that range. It's kind of mid range Yep. for where you are in that growth portfolio, and the fact that you've come out with a positive return even with what been going on globally at the moment, it is still a good sign.","start_word":4976,"end_word":5052,"intents":[{"intent":"Discuss portfolio performance","confidence_score":0.14257225},{"intent":"Discuss portfolio performance","confidence_score":0.03681598}]},{"text":"So I would like to, as part of the advice, go back and remove that for you.","start_word":5127,"end_word":5143,"intents":[{"intent":"Provide advice","confidence_score":0.0045797713}]},{"text":"I can look at putting in another investment manager that's active and trying to outperform against the market, or I could look at some passive funds that might be cheaper for you. Did you wanna have that active management, or do you wanna focus on a bit of a cheaper portfolio that might save you in fees?","start_word":5152,"end_word":5208,"intents":[{"intent":"Analyze portfolio options","confidence_score":0.12230231}]},{"text":"The next question here is looking at market dips.","start_word":6176,"end_word":6184,"intents":[{"intent":"Discuss investments and market dips","confidence_score":0.00066925853}]},{"text":"And then the last question here is looking at borrowing funds to invest, do you see yourself comfortable borrowing money in order to invest in shares or managed funds, or do you think you would never do something like that again? No.","start_word":6472,"end_word":6513,"intents":[{"intent":"Explore investment options","confidence_score":0.031262305}]},{"text":"So in that growth portfolio you have at the moment, that's where you generally see about 80% of your super invested in growth assets, like Australian shares, international shares, listed property, commodities like gold and silver, and then just about 20% in defensive lower risk investments like cash, bonds, and fixed interest.","start_word":6559,"end_word":6610,"intents":[{"intent":"Explain investment strategy","confidence_score":0.0050242394}]},{"text":"I'll look at making sure your portfolio is diversified. We also do consider, you know, when we move and alter portfolios, the CGT consequences inside super because when we buy and sell investments, your super fund still has to pay CGT tax. So we'll make sure we account for that for you.","start_word":7029,"end_word":7080,"intents":[{"intent":"Discuss and discuss portfolio recommendations","confidence_score":0.00000393899}]},{"text":"One of the things I could probably also look at if you would like me to is one of the things with talking to the local economists, we have seen very high inflation this year. I could look at ways of trying to combat inflation in that defensive environment. Are you comfortable with me sort of having a look at some different investments to maybe compact combat what might be coming in the next few months with what the economist has sort of been saying Yeah. for us? Yep.","start_word":7082,"end_word":7170,"intents":[{"intent":"Discuss inflation and investment options","confidence_score":0.0012334064}]},{"text":"Can we what can we make it the seventeenth or Wednesday?","start_word":7305,"end_word":7315,"intents":[{"intent":"Schedule a meeting","confidence_score":0.03388212}]}]},"sentiments":{"segments":[{"text":"Hello. And you? Hi, Catherine. It's Dana from Oakview. How are you? I'm well. And yourself?","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.18572773039340973},{"text":"I'm very well. Thank you.","start_word":16,"end_word":20,"sentiment":"positive","sentiment_score":0.5904622077941895},{"text":"So Maddie just let me know that you called in a bit earlier, and my last call, unfortunately, hasn't answered. So if you want to, I can give you a call now, and we can kinda go through things and start your review. Does that sound okay? I'm sitting here already because I've put nine in my diary, and Oh, sometimes I'm so I do that sorry. oh, that's okay. Sometimes I do that myself to fool myself so I make sure I'm ready. Yeah. No. Oh, I I love that'd be that. fine.","start_word":21,"end_word":114,"sentiment":"neutral","sentiment_score":-0.0007596263312734663},{"text":"Oh, fantastic.","start_word":115,"end_word":116,"sentiment":"positive","sentiment_score":0.511024534702301},{"text":"Well, let's jump into everything. Catherine, just before we do 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? Absolutely. Sure.","start_word":117,"end_word":156,"sentiment":"neutral","sentiment_score":0.15137450397014618},{"text":"Fantastic.","start_word":157,"end_word":157,"sentiment":"positive","sentiment_score":0.47256535291671753},{"text":"You've got And AI doing it now I for you. not quite. Not quite. Not quite. I still do a lot of things manually, believe it or not. Fair enough. All good. And just to double check the security with you as well, I'll just get you to confirm your full name, your date of birth, and address I should have on file there. Catherine Margaret Seba. Twenty two ten nineteen sixty five. 49 Yep. Lake Hart Drive, Beechmere.","start_word":158,"end_word":236,"sentiment":"neutral","sentiment_score":0.07355677336454391},{"text":"Beautiful. Thank you so much for that.","start_word":237,"end_word":243,"sentiment":"positive","sentiment_score":0.6045727133750916},{"text":"So, firstly, just to sort of jump into I know as per your email, you wanted to have a bit of a chat about moving into pension phase and drawing down a bit of income there for you. Yes. Last year, we did talk about looking at the TTR side of things. This Yep. year, are you wanting to sort of look at maybe moving into full pension, having access and drawing down as much income as you need? What's your sort of thoughts around that? So So we've still got the investment properties. Yep. Yeah. So what we've you know, we're having to draw off to to live on it. We're we're paying a high percentage in tax on it. Yeah. Yes. So we've done a bit of research, and I thought I'll come, you know, send me prepared to you. Yeah. And the our thoughts have sort of been if we do the account based one, so we sort of have an annual amount Yep. that we've, you know, we've got it as our budget Yep. to live on. And then we put as much back into super as Yep. we possibly can while we're in this little window of over 60 and not 67 yet Yeah.","start_word":244,"end_word":452,"sentiment":"neutral","sentiment_score":0.10463302486250846},{"text":"and making the most of that.","start_word":453,"end_word":458,"sentiment":"positive","sentiment_score":0.484286904335022},{"text":"So that's kind of our intent. Yeah.","start_word":459,"end_word":465,"sentiment":"neutral","sentiment_score":0.2871614098548889},{"text":"That's okay. Not a problem at all.","start_word":466,"end_word":472,"sentiment":"positive","sentiment_score":0.34828251600265503},{"text":"Last year, when we kinda touched base, you were estimating that income that you were earning from from the business and the trust at the moment was around about that 30 to $40,000 mark. Is that still kind of where your Yeah. the income Yeah. side of things is coming from? Is it about the same? Yeah. It Yep. seems Okay.","start_word":473,"end_word":533,"sentiment":"neutral","sentiment_score":0.061939895153045654},{"text":"Beautiful.","start_word":534,"end_word":534,"sentiment":"positive","sentiment_score":0.5781363844871521},{"text":"Would you say it's closest to, say, 30,000 good. or 40,000? Would you estimate Well, it is new? we've we've actually but well, we've estimated it now at 36. So it's making Okay. the middle pretty much. Yeah. That's okay. Yeah. So 36,000. So if we look at maybe because you are over 60 and not working anymore, moving into full pension phase, the benefits there are that moving from accumulation to pension is that there's no income tax and no CGT tax in pension phase. The money in pension phase is working harder for you. You do have to draw down a minimum amount every year based on the balance there, but we don't have to move everything in the pension phase.","start_word":535,"end_word":657,"sentiment":"neutral","sentiment_score":0.044807542115449905},{"text":"You can leave the accumulation open with a smaller balance, and then we can be, you know, putting more money in that every year as you currently are.","start_word":658,"end_word":685,"sentiment":"positive","sentiment_score":0.3583154082298279},{"text":"So would that be something you're sort of open to? Yep. Yeah. So as far as moving into pension phase, so would we Yep. just move, you know, for example, 36,000 a year cost? Is that how it works? Well, we'd essentially just wanna move as much as we possibly can. So when we look at doing this, we try to move in, essentially, like, a 100,000, a 150,000, just leaving a minimum amount in the accumulation phase. We can roll back every year into accumulation and keep refreshing your pension.","start_word":686,"end_word":776,"sentiment":"neutral","sentiment_score":0.12611286759704024},{"text":"It's not a problem at all.","start_word":777,"end_word":782,"sentiment":"positive","sentiment_score":0.4459595680236816},{"text":"It's just about So are putting you still as much you're are you right. still earning on the funds that are in the account, like the pension phase part? Sorry, Catherine. This phone just cut out. Can you repeat that for me? So are you still making, you know, earning money on Yes. what's sitting in the so it's Yeah. still being invested Absolutely.","start_word":783,"end_word":846,"sentiment":"neutral","sentiment_score":0.080840103328228},{"text":"as such. Absolutely.","start_word":847,"end_word":849,"sentiment":"positive","sentiment_score":0.3688161075115204},{"text":"It's it's just you've got It's access act to it. yeah. It actually works out Yeah.","start_word":850,"end_word":865,"sentiment":"neutral","sentiment_score":0.2502273917198181},{"text":"a lot more in your favor because when you move into pension phase, as I mentioned before, there's no income tax or CGT consequences.","start_word":866,"end_word":889,"sentiment":"positive","sentiment_score":0.3834216892719269},{"text":"You don't pay taxes or tax free environment.","start_word":890,"end_word":897,"sentiment":"neutral","sentiment_score":0.23077285289764404},{"text":"So moving as much money as possible into that pension phase there means that you still have your money invested in a portfolio. There's the income and the capital gains that are being generated inside pension phase are not being taxed any longer, so you end up with more money. It does kinda work out better for you to have more Okay.","start_word":898,"end_word":959,"sentiment":"positive","sentiment_score":0.44511452317237854},{"text":"money in that pension phase, whereas money Yeah. sitting in the super in accumulation phase as it is at the moment is subject to income tax and CDT tax. So moving as much in the pension phase is absolutely preferable. Yeah. There are rules around how much you can take. So you do have a minimum based on your age of about 4% that you would have to take of the balance. So if we moved over, say, a 150,000 in the pension phase for the year, you have to take a minimum of 4% balance. Yeah. Okay. But you have full access.","start_word":960,"end_word":1062,"sentiment":"neutral","sentiment_score":0.0629969984292984},{"text":"Because you're fully retired, you have full access.","start_word":1063,"end_word":1070,"sentiment":"positive","sentiment_score":0.43607231974601746},{"text":"If you need extra funds drawn down, that can be accounted for, and you can draw down as much of the balance as you need to in that year. So So there's no for restrictions example, on I can't remember yeah. how much is in there. I did look it up the other day, but my retention Yeah.","start_word":1071,"end_word":1128,"sentiment":"neutral","sentiment_score":0.1738261878490448},{"text":"is You're poor right.","start_word":1129,"end_word":1132,"sentiment":"negative","sentiment_score":-0.41800376772880554},{"text":"at the moment. So there's about $2.70 in the account at the moment. Is that right? Yep. So I've got the balance here for you. I'll Yep. just pull it up for you one quick. Sorry. So the balance in the account as of yesterday's date is 271,146 and 65<unk>. Okay. So for example, if I was to say, let's take 250 into pension pay, Yep. and then that means I have to take what's 5%, make it easy, is what's 5% of '25 250,000? 250,000. We're looking at $12,500. So that's 5%. So I have to take that down how frequently? Mhmm. Oh, that's just for the year. So you have had to have drawn that that 12,000 by the end of net by the end of the financial year. Okay. So for And example, if you if don't I yeah. Sorry. Yeah. So so for this year, for example, Yeah. if I actually went, okay. Well, let's put the $2.50 in now, and I don't know if we're gonna oh, it's only the third. We might work there. And then I I just take the 12,500 out this year.","start_word":1133,"end_word":1325,"sentiment":"neutral","sentiment_score":0.06184866279363632},{"text":"So I've got a nice little savings to come play with.","start_word":1325,"end_word":1336,"sentiment":"positive","sentiment_score":0.4504595696926117},{"text":"And then, yeah, I'll probably do a monthly drawdown of probably $3 a month or something, which we accept about 36. I Okay. think it's yeah. Yep. Yep. That's okay. That that would Are sort you of wanting be the to plan. have yeah. So you're wanting to have this updated and be in pension phase by the end of this financial year so you can take If it that minimum drawdown? if it if it's possible. Yeah. Yeah.","start_word":1336,"end_word":1413,"sentiment":"neutral","sentiment_score":0.09027114149947198},{"text":"That's okay. We can do the research. I'll escalate the plan, and we'll do the research and get you booked in for probably two weeks.","start_word":1414,"end_word":1438,"sentiment":"positive","sentiment_score":0.35632574558258057},{"text":"Yeah. That'll be sort of from the week of the fifteenth, and that'll still give us a week before the end of the financial year, and we can move into pension phase fairly quickly for you. Okay? Okay. So can I just get clear and write some Yeah. notes down? So Sure. now that I've spoken to you, I've got a clearer understanding. Yes. So the balance, which in this case will still be 21,000 in there, Mhmm. that will be in superannuation phase. Yep. And that Call it accumulation. It's a it's a way you're accumulating wealth yep. just to Okay. make it easier And that for you. Yeah. yep. That's okay. I'll use the right term. And You that's alright? the that's been taxed and CGT on any profits. Is that right? Yeah. Yep. And on any, you know, activity or hopefully, it's profit. Yeah. Absolutely. And then one the $2.50 k that's in a pension phase. Is that what is that Yep. the right That's right. Yeah. and so then that also is earning interest or getting dividends depending on what we invest in. So Yeah. it's still in business, Yes. but it doesn't accumulate any tax or CGT or That's right. Yeah. okay. Okay. Yeah. So I And think think then of whatever a that think balance of slippers, is, like, key. Yeah. a minimum of 4%, Yeah. 5%, whatever. I just made it five just to make it easy. Each Yeah. year has to be drawn down. Now Yep.","start_word":1439,"end_word":1692,"sentiment":"neutral","sentiment_score":0.1504620760679245},{"text":"if I if I saw it, oh, look at that really lovely boat I want it.","start_word":1693,"end_word":1708,"sentiment":"positive","sentiment_score":0.3959755003452301},{"text":"Could I go, oh, actually, I want 200,000. Is that possible too? Yep. Yep.","start_word":1709,"end_word":1722,"sentiment":"neutral","sentiment_score":0.26679760217666626},{"text":"Absolutely.","start_word":1723,"end_word":1723,"sentiment":"positive","sentiment_score":0.3424072861671448},{"text":"So when you're Yeah. in full pension phase, there's no maximum on how much you can draw down. So the difference with what we were talking about last year, we were talking about the transition retirement sort Yes. of strategies. With a TTR account, you're you're only allowed to draw down a maximum of 10% for the year for the financial year.","start_word":1724,"end_word":1785,"sentiment":"neutral","sentiment_score":0.07960613816976547},{"text":"Yeah. So this way, with what we're talking about now, you have full access to that money. If you decide you wanna take all of it out and you wanna go on a nice big holiday around the world, you can absolutely do that.","start_word":1786,"end_word":1829,"sentiment":"positive","sentiment_score":0.6541759371757507},{"text":"There is no restriction Yeah. on how much you can take down as a maximum. It's just the minimum restrictions. And as you get Yep. older, those minimum restrictions increase. So the older you Okay. get, the more they want you to draw out a super, if that makes sense. Yeah. Okay. So then when I continue to contribute to my super, Yep. I'll be putting it in the accumulating balance. Correct? Yeah. Correct. Yep. And, Yep. obviously, then it's got the tax advantage of paying 15% on the way in. That's correct. And then, obviously, then it'll still get taxed on any earnings that may produce. Yes. What happens if I do some work? So so long as you are retired at the time that we move you independent phase, it doesn't matter. There's no restriction that says you can't then take on work later on or go back to work in any way, shape, or form so Okay. long as when we complete the declaration, you confirm that you are you are not working, you are over 60, and you were retired for the purpose of accessing super. Yeah. You can decide to go back to work a day later, a week later. It doesn't really matter. It's just yeah. You've you've met Okay. that requirement to move into pension phase. Yeah. I'd I'd probably only ever work under an ADN anyway, so That's okay. I'm more likely to go through the company if there is anything that I do do. Okay. Yeah. Well, I think you pretty much answered all my questions with that.","start_word":1830,"end_word":2096,"sentiment":"neutral","sentiment_score":0.12630556013142125},{"text":"Oh, fantastic.","start_word":2097,"end_word":2098,"sentiment":"positive","sentiment_score":0.6336866617202759},{"text":"The way I sort of like to look at the soup in the pension, because it does get a little bit confusing, is accumulating is just building wealth, and you are taxed when you're building that wealth. Pension is when you're taking money out, and it's a tax free environment if that helps a little bit. Yeah. Yep. No. No. It it Yeah. makes me I think I've done enough research now to kinda to get it. But now that I've Yep.","start_word":2099,"end_word":2180,"sentiment":"neutral","sentiment_score":0.12381451576948166},{"text":"spoken to you and I've been able to repeat to you what you've told me, I feel more comfortable and that I've learned correctly.","start_word":2181,"end_word":2204,"sentiment":"positive","sentiment_score":0.40879082679748535},{"text":"Because sometimes it's a bit overwhelming. Absolutely. That's okay. And you're always welcome to email me or give me a call if you have additional questions. There's Yeah. no such thing as a silly question. If you if it's something that's eating you away and you want it answered, you let me know, and I'll happily answer that question for you. Okay?","start_word":2205,"end_word":2266,"sentiment":"neutral","sentiment_score":0.08151262253522873},{"text":"Very good.","start_word":2267,"end_word":2268,"sentiment":"positive","sentiment_score":0.3764016032218933},{"text":"So is there anything Excellent. else we need to do as part of the annual review? Yeah. Definitely. So I have sent you through an annual review pack, which you're welcome to have a look at when you've got access to your Internet there. I know you said it has been a bit patchy over the past Oh, couple no. No. of weeks. I've I've I've You've got it? yeah. We're we're actually Excellent. we're on full coverage where we are now for the next Fantastic. five weeks. And And you've I been was traveling quite a lot. yeah. Yeah. So we're we're doing a lot of volunteer work, Yep. which, you know, obviously, I don't get paid, but it'll cover our costs for accommodation quite often in power and water. And, you know, we'll just sort of, like, at the moment, we're at a CNCI park in Thunderbird. We're the custodians, so we check everybody in. Fifty days, we're busy as well, and we thought, yeah, we're not even gonna pay for that. Wow. Wow.","start_word":2269,"end_word":2444,"sentiment":"neutral","sentiment_score":0.05222966843575705},{"text":"Yeah. So it was really cool.","start_word":2445,"end_word":2450,"sentiment":"positive","sentiment_score":0.5902820825576782},{"text":"Yeah. So we're here for five weeks, and then we've got a couple of weeks break, and we'll wander up to Ingham. And we'll do the same there again at at the Fantastic.","start_word":2451,"end_word":2483,"sentiment":"neutral","sentiment_score":0.20642821490764615},{"text":"CNCA Park. And Fantastic.","start_word":2484,"end_word":2487,"sentiment":"positive","sentiment_score":0.4253372550010681},{"text":"then break in between, and we do in the South. Wow. And you're seeing a lot of the country at the same time. Yeah. Exactly. And, you know, Yeah. we're doing day trips and, you know, getting out and about.","start_word":2488,"end_word":2527,"sentiment":"neutral","sentiment_score":0.20799405872821808},{"text":"And and, you know, to me, the biggest enjoyment I get out of traveling is the other people that you meet.","start_word":2528,"end_word":2548,"sentiment":"positive","sentiment_score":0.3686378300189972},{"text":"Yes.","start_word":2549,"end_word":2549,"sentiment":"neutral","sentiment_score":0.2144106328487396},{"text":"That's actually my passion for it is the, yeah, the stories that you hear from others.","start_word":2550,"end_word":2565,"sentiment":"positive","sentiment_score":0.33705928921699524},{"text":"And then, you know, finding out really cool places to go that aren't Yeah. on the sort of, you know, list, so to speak. Yeah. Yeah. Yeah.","start_word":2566,"end_word":2592,"sentiment":"neutral","sentiment_score":0.09422242641448976},{"text":"Oh, that's fantastic.","start_word":2593,"end_word":2595,"sentiment":"positive","sentiment_score":0.5086256861686707},{"text":"No.","start_word":2596,"end_word":2596,"sentiment":"neutral","sentiment_score":0.29424673318862915},{"text":"That's excellent. It it honestly, you are living my dream. That is exactly how my retirement today, just to travel and go everywhere, see everywhere, wake up one morning and go, I wanna go here today and just go there. That is exactly what I want my retirement to look like.","start_word":2597,"end_word":2647,"sentiment":"positive","sentiment_score":0.5415630340576172},{"text":"So you are living the dream The only in my book. the only downside, it's a very limited space for a couple. And the Yes. Yes. the caravan doesn't come with a shed. You know? You need a bit of a man cave Yeah. or a lady cave to kinda give you some separation. Oh, no.","start_word":2648,"end_word":2703,"sentiment":"neutral","sentiment_score":-0.059293538331985474},{"text":"That's beautiful, honestly. I'm glad you're having such a great time.","start_word":2704,"end_word":2714,"sentiment":"positive","sentiment_score":0.7586839632554487},{"text":"And the house, your what was your main primary residence? That was all being rented out to a charity that's all still working fine Yeah. for you? It's working out really Yep. well. So that's yeah. It's it's we don't have a base. So we possibly may draw down on a paper to get a base. Okay. We just don't know where we wanna. Yeah. No. That's okay. When we look at the the drawdown from super, so we'll look at with keeping money in that accumulation phase, you wanna still be making that yearly contribution. Are you gonna be making the full 30,000 to your super account each year, or will it only be a smaller amount like you have done this year? What's your sort of plan with the super side of things with the contribution? We we would like to keep it. Try and get it up to the 36 if we can. Yep. So yeah. Like, so this month, for example, I think because I got two of us. Yeah. We had being end of financial year, we kind of ended out having to get a whole lot of repairs and maintenance done. So but Yep. usually, my yeah. It'll be about two and a half, I would say, going in each month at Okay. Perfect. Because the contributions cap for this year was 30,000. The contributions cap for next financial year does go up to 32,500, so least. that'll be the maximum that we Yeah. can put in there. Oh, okay. But That's I good to know. I can yeah. That's okay. If you like, I can just as part of the advice document, factor in each month you're putting in $2,000 as a deductible contribution, and then we claim that at the end of the year for you. Does that sound Yeah. like a comfort Yep. level? That's pretty good. Yeah.","start_word":2715,"end_word":3031,"sentiment":"neutral","sentiment_score":0.08624804764986038},{"text":"Perfect.","start_word":3032,"end_word":3032,"sentiment":"positive","sentiment_score":0.4099971652030945},{"text":"Comfort level just so we're looking at how that affects your super and longevity wise. And then you'll need to draw do you wanna draw that 36,000? So we'll do those 4% this year, which is the 12,500 currently. Yeah. Did you wanna then draw 36,000 out of your pension account each year moving forward to cover the expenditure side of things, your your base living expenses? Yeah. And we'll probably do that on a monthly basis. So we'll probably take three out and put two of them. Yep. That's okay. So it's, say, 3,000 per month.","start_word":3033,"end_word":3129,"sentiment":"neutral","sentiment_score":0.14603032509690708},{"text":"Yep. Perfect. No worries.","start_word":3130,"end_word":3133,"sentiment":"positive","sentiment_score":0.4414477944374085},{"text":"So just so I can factor into the advice and show you what that looks like, because, Yep. essentially, my advice will look like what showing you moving into pension phase, how we'll have the funds invested for you so as it's working, drawing the money down, looking at longevity, how long soup is expected to last for given this this current, Oh, yeah. Oh, you know, that's plan.","start_word":3134,"end_word":3202,"sentiment":"neutral","sentiment_score":0.2390703558921814},{"text":"good.","start_word":3203,"end_word":3203,"sentiment":"positive","sentiment_score":0.5303711891174316},{"text":"Yeah. And then also putting in that $2,000 as a deductible contribution on a monthly basis at the end of the year, claiming that for you and sort of showing you how that might affect you long term. So I'll kind of make Yeah. it a bit more comprehensive for you to give you an outline of the recommendations, Yeah. but also where this sort of shows you moving to. Does that sound okay? Yeah. No. That's good. Because the other issue Yep. I have is potentially, like, we spent six months back in New Zealand. So at Yeah. the moment, I'm considered a dual resident. I don't Okay. know where it froze me in the tax circle. You know, I believe you've got four years, and I've got Chris doing some more research on that for me. Yes. Whether that's practical because I believe you've got four years to either sell your assets or you then become a I'm no longer a resident of Australia whereas at the moment, I'm a Jew, but I Okay. think that's got a window. So Yeah. Yep. yeah, we've just sort of gotta figure that out as well. Yep. And it's No. sort That's of okay. like we're we're sort Yeah. of thinking coming up to the Olympics, it'll probably be time to sell one of the properties. Yep. Yep. And that's That's once okay. again. So if, for example, we sold one of the properties Yep. and put some of that money into super, Yep. then if we did it before the age of 67, Mhmm. could we then put some of that into the pension phased account? Yeah.","start_word":3204,"end_word":3480,"sentiment":"neutral","sentiment_score":0.028376481021730907},{"text":"Absolutely.","start_word":3481,"end_word":3481,"sentiment":"positive","sentiment_score":0.3627768158912658},{"text":"So with pension phase, you can we can roll back from pension phase into accumulation and back again and refresh those as often as we like. We've got some clients where we speak to them every year, and we roll them back into accumulation and do a bit of a refresh and roll more money into pension phase and kind of readjust the drawdowns for them. So Yeah. we can roll Okay. back and forth as often as you like. One of the big things about advice is very fluid. So it can change. We can alter Yeah. the advice. Yeah. And down the track because I know Well, lots accessing of it like it, isn't it? yeah. And I noticed looking down the track when you do kinda hit the age of 67 and you're wanting to maybe look at age pension and eligibility for things like that, we can even look at ways of sheltering funds so that it's assessed lower or it might help the assessment for Centrelink. So there's other things that we can do down the track for you as well. Oh, okay. Because at the moment, I don't believe well, I know I'm not Yes. in top of Super anyway, like, the Yeah. government attention. Yeah. But if if I do stay in New Zealand for at least a hundred and eighty two days or whatever it is, a year, Yeah. then I'm entitled to New Zealand Super because I was Okay. born there and I was there and, you know, obviously, I paid tax until I came here. Yeah. And then like, the biggest entitlement is 65, but it's not means tested. Yep. Okay.","start_word":3482,"end_word":3762,"sentiment":"neutral","sentiment_score":0.0533895343542099},{"text":"Perfect.","start_word":3763,"end_word":3763,"sentiment":"positive","sentiment_score":0.4896880686283112},{"text":"And and then I believe that once I hit 67, Australia will actually contribute to New Zealand to pay my super. That's what I believe. But I don't trying That's to cool. find the right person to ask all that sort of stuff that knows both Yeah. system. It's really hard. Yeah. And that will Got a be lot something of phone calls. that's yeah. That's a little bit outside of our scope because we can't Yeah. advise on anything in another country due to the taxation consequences there, but I can look up general information for you. So I could even have a look when we get closer to the the age pension side of things depending on what the rules are then. I can do some general information and look up some general information for you and see what we can find. But, yeah, Yeah. we just have to scope out that New Zealand pension side of things for you at the moment. That's all. Yeah. That that's right. And yeah. It's it's a dual residency thing that I'm a bit Yes. stuck on well, but I'll I'll probably ring Centrelink. I think that'd probably be the best Yeah. people to Ask. yeah. I think Yeah. so. That's where Yeah. I because they're all connected to the tax department. So that Absolutely. that that's what I want. That's what I want. They just want to make sure that we pay the tax. And if Absolutely. we yeah. Yeah. Okay. That No. That's sounds okay. really good. If you like, I could also just do a bit of research and see what I can find from Centrelink, and I can send you just some general information via your email there if you like just Yeah. to sort of That'll show be you what what I can find and might help you out with a bit of reading material.","start_word":3764,"end_word":4082,"sentiment":"neutral","sentiment_score":0.024147313088178635},{"text":"great. Thank you. That would be wonderful. Beautiful.","start_word":4083,"end_word":4090,"sentiment":"positive","sentiment_score":0.5989188551902771},{"text":"Not a problem at all. If you do happen to call Centrelink, make sure you've got a spare kind of two hours available Are because you sitting on hold yes. with them is It's great in New Zealand.","start_word":4091,"end_word":4128,"sentiment":"neutral","sentiment_score":0.16069281101226807},{"text":"You can actually go in, make an appointment, and it might be a week away, but you then you can actually sit with people. And they give you as much it's fantastic.","start_word":4129,"end_word":4160,"sentiment":"positive","sentiment_score":0.4242745041847229},{"text":"Wow. Wow. Yeah. We don't get that here, unfortunately. It's a No. shame. No. Anyway right. So that's Beautiful. that's part of it covered. So Yep.","start_word":4161,"end_word":4186,"sentiment":"neutral","sentiment_score":-0.008845086209475994},{"text":"what do Excellent.","start_word":4187,"end_word":4189,"sentiment":"positive","sentiment_score":0.35605159401893616},{"text":"we need to look at for the rest of our review? So just going through and updating the asset side of things. So you mentioned your main primary residence is now the investment property. That's all being rented out fine. Yeah. Just updating the asset value of that property, you had about 750,000 last year. Would you keep that about the same, or would you kind of change or update that at all? Do we actually want to be realistic on market value? Yeah. It's up to you. Yeah. I'd put it probably at $9.25 Yeah.","start_word":4190,"end_word":4285,"sentiment":"neutral","sentiment_score":0.05446191132068634},{"text":"Perfect. Excellent.","start_word":4286,"end_word":4287,"sentiment":"positive","sentiment_score":0.3364628553390503},{"text":"And that loan is still fully offset. at the moment, but we'll probably if we buy another property, we'll drag that out. Okay. Lovely. And Yeah. that's the property that's still owned in your name. The other properties are all owned in that trust, aren't they? That's right. Yep.","start_word":4288,"end_word":4336,"sentiment":"neutral","sentiment_score":0.07490204274654388},{"text":"Beautiful. Excellent.","start_word":4337,"end_word":4338,"sentiment":"positive","sentiment_score":0.36365383863449097},{"text":"So we'll keep that there for you. I've also got down here that you had some shares in The UK as well. Do Yep. you still have those? Okay. Yep. They're valued about $1,500. Yeah. Yep. Beautiful. And with all the properties and things held in the trust, we had a combined value of the trust assets of about 850,000. Would that have increased a bit? I'll probably put that to $9.25. $9.25.","start_word":4339,"end_word":4411,"sentiment":"neutral","sentiment_score":0.0791604071855545},{"text":"Beautiful. Lovely. Excellent.","start_word":4412,"end_word":4414,"sentiment":"positive","sentiment_score":0.39463815093040466},{"text":"And then contents, we had an asset value of about 6,000. Would you keep that about the same? Yeah. We don't own anything hardly now. No. That's okay. It's probably it's probably one necklace that's worth about 3,000. Yep. That's okay. Not a problem at all. And you've got the caravan that you're living in there. That's the Jayco Star Craft that you Yeah. purchased? That's right. Yep. Yep. Beautiful value on that was about 20,000 last year. Would you keep it the same or increase or change that? Let me put a $5,000 metric in it, so we probably should take that up to 25. Yep.","start_word":4415,"end_word":4521,"sentiment":"neutral","sentiment_score":0.07839623880442058},{"text":"Beautiful. So 25,000. I mean, now you gotta have a comfy mattress. That's important. I tell you, it's fantastic. It's bloody buttoned boobs and it's pretty great night sleep.","start_word":4522,"end_word":4550,"sentiment":"positive","sentiment_score":0.6243112683296204},{"text":"Yeah. You did have that Toyota Avalon valued at 1,000 that you had donated to the or donating to the charity with the the house side of things. Is that was that all donated with it? Well, it's still in our name. We Yep. they use it, Yep. and we for the, you know, rego and insurance, they pay for the fuel. So Yep. it's just keeping it on the road and then, you know, when we are in Brisbane, we borrow it. Yeah. That's okay. Not a problem at all. You had a rough value of about a thousand dollars in that vehicle. Would you keep that about Yeah. the same? Yeah. Yeah. That's the Yep. best.","start_word":4551,"end_word":4668,"sentiment":"neutral","sentiment_score":0.06331054866313934},{"text":"Beautiful.","start_word":4669,"end_word":4669,"sentiment":"positive","sentiment_score":0.3561638295650482},{"text":"And then we've still got the Ford Ranger there as well. Yep. Yep. Yep. Last year, I looked up the estimated value. Did you want me to do the same thing on that car Yeah. for this year? Yep. Yep. Yep. Beautiful. Look up that one.","start_word":4670,"end_word":4715,"sentiment":"neutral","sentiment_score":0.059907007962465286},{"text":"Beautiful.","start_word":4716,"end_word":4716,"sentiment":"positive","sentiment_score":0.3397347331047058},{"text":"And then contents we've covered.","start_word":4717,"end_word":4721,"sentiment":"neutral","sentiment_score":0.14364445209503174},{"text":"That's perfect.","start_word":4722,"end_word":4723,"sentiment":"positive","sentiment_score":0.42812347412109375},{"text":"I had down here that you did have a will and power of attorney all set up. That's all still valid, all still reflects your wishes correctly. Hey. I might I'm just waiting for my solicitor to come back to us so they are updated well. But, Yeah. anyway yep. It is. Yep. That's Yep. fine.","start_word":4724,"end_word":4779,"sentiment":"neutral","sentiment_score":0.08780544251203537},{"text":"Perfect.","start_word":4780,"end_word":4780,"sentiment":"positive","sentiment_score":0.33839377760887146},{"text":"And beneficiaries on super. And on the pension to come as well, you do you want everything, if in the event of you passing early, to be passed down to Greg or Yeah. yep.","start_word":4781,"end_word":4814,"sentiment":"neutral","sentiment_score":0.0630760644288624},{"text":"Beautiful. I'll make sure that's all updated for you and confirmed with the advice. Beautiful. I've got income here 36,000, which is great. Everything else looks pretty well. As we kinda went through before, your super has done really nicely.","start_word":4815,"end_word":4854,"sentiment":"positive","sentiment_score":0.5291526317596436},{"text":"So when I had a look back at our interview last year, your balance has definitely increased. So we had a balance of $2.51 last year and then that $2.71 $1.04 6 now. When we look at the earnings, the growth, and the income that has generated from the portfolio, even with what's been happening this year and this year, we did see market take a bit of a a dip Yeah. around about that March point. Yep. Yeah. Got Everything it. has been working quite well, and the gross and the income generated so the total earnings has just been over $26,048 for you.","start_word":4855,"end_word":4959,"sentiment":"neutral","sentiment_score":0.11395905911922456},{"text":"So it shows that a net return is a positive of 8.73%, which is really good.","start_word":4960,"end_word":4975,"sentiment":"positive","sentiment_score":0.4192381799221039},{"text":"When we look at that growth portfolio that you're in at the moment, you were sort of chasing annualized returns or compounding annualized returns of about seven to 9%. The 8% is still in that range. It's kind of mid range Yep. for where you are in that growth portfolio, and the fact that you've come out with a positive return even with what been going on globally at the moment, it is still a good sign. Mhmm. I have noticed one of your investments, though, has been underperforming. So you have the Benelung Australian equities in there. That was originally put into your portfolio. They're an the investment manager for Bannalong, they're trying to actively manage that fund and outperform against the market. In recent months, they haven't been able to do that. We don't we're seeing them drop very heavily at the moment, and they're underperforming a little bit. So I would like to, as part of the advice, go back and remove that for you. Mhmm. I can do a couple of things. I can look at putting in another investment manager that's active and trying to outperform against the market, or I could look at some passive funds that might be cheaper for you. Did you wanna have that active management, or do you wanna focus on a bit of a cheaper portfolio that might save you in fees? This stage, you know, when you're starting to draw down, you could think of it differently, Mhmm. don't you? Normally, Yes. I would probably take the higher risk avenue, but Yeah. I probably become more conservative, I Yes. guess. I think I would probably because what what's my investment, you know, label for one of the Mhmm. what what have I got at at the moment? I know I'm not You're conservative. sitting at growth. So when you sort of think of it if you think of risk at a level of, say, five, you're kind of Yeah. in that four to 5%. You're you're quite up there. Generally, the growth portfolio suits someone who has about six years before they're wanting to access their super. I Yeah.","start_word":4976,"end_word":5336,"sentiment":"neutral","sentiment_score":0.03251231766184611},{"text":"definitely wanna do that risk profile with you today.","start_word":5337,"end_word":5345,"sentiment":"positive","sentiment_score":0.3564664125442505},{"text":"Because moving into that pension phase, we do wanna look at ways to make sure you're not seeing very heavy dips at the points where you are taking money at, and maybe drawing down and being a bit more conservative is a good thing moving forward. You still wanna get returns and see investments grow, but not looking for as heavy a drop in the market like we have seen over the past few Yeah. months there. I Yeah. agree. Yeah. I think Yeah. we're on the same page on that.","start_word":5346,"end_word":5436,"sentiment":"neutral","sentiment_score":0.13416755199432373},{"text":"Yeah. Did you want me just to focus on investments so I can find an Australian equities investment to give you Australian exposure that might be more diversified, be a little bit cheaperly managed, and still providing good returns?","start_word":5437,"end_word":5475,"sentiment":"positive","sentiment_score":0.3835393488407135},{"text":"Yes. I think that sounds Yeah. is there an option that you can sort of say, well, on 5%, we don't mind if we run a high risk or is it kind of then you've got one foot on each side and you've got fees and a whole lot anyway? Yeah. Yep. It does kind of work that with with the balance you have because we're sort of having the two accounts. It's better to kind of make sure they're all combined in a in Yep. a very similar risk level. With having Yep. more money in that pension phase, that's where you wanna be more conservative. You could take a bit more risk in the accumulation phase, but the balance will be much smaller.","start_word":5476,"end_word":5600,"sentiment":"neutral","sentiment_score":0.13226125305891037},{"text":"So it does work out better just to kind of keep it across the two accounts very similar Yeah.","start_word":5601,"end_word":5619,"sentiment":"positive","sentiment_score":0.3587286174297333},{"text":"and making sure you're not overweight and not taking on too much risk because you don't wanna be rolling back or accessing some of that money at a time when there's a very large market dip. It means you have to cement those losses. So just yeah. Being more conservative, this Yep. side of things is not I bad. get that. Yeah. So Yeah. yeah. Carry on. I do have No. one That's question. like Write it down for the end. abs you're fine. I know. What is it? Ask it now. Absolutely. So at the moment, we've got because I sold some shares, money in the bank. And now we intend to buy a property, Yeah. but we Yep. haven't found one. And those funds have been sitting in my bank for, you know, nearly twelve months Yes. and making about, you know, a thousand dollars a month in interest just through the bank. So it's highest Mhmm. that you can and still have access to it. Yeah. So I can't remember. It's about 4% probably. Okay. And I'm just wondering whether there's a better option for that. There could be. We could look at investing the funds for you in an in your super or in another portfolio. The problem is I would wanna be investing money that you are wanting to access in the short term. So, realistically, money that you wanna access in the next three to five years shouldn't be invested in the market because you do risk, even in a defensive portfolio, seeing markets go up and down and fluctuate.","start_word":5620,"end_word":5885,"sentiment":"neutral","sentiment_score":-0.0715104715996667},{"text":"So you do risk accessing money at a down point in the market even because all markets go up and down.","start_word":5886,"end_word":5906,"sentiment":"negative","sentiment_score":-0.3954547047615051},{"text":"So, Yeah. realistically, money that you're hoping to access in the next sort of one, two, or even three years realistically would be better sitting in a term deposit where Yeah. you could or high interest savings account where you can access that Yep. without it fluctuating too heavily. Does that make sense? Yep. No. It's not perfect. It's exactly what Yeah. you know, I I thought, but I thought it was Yeah. no really.","start_word":5907,"end_word":5981,"sentiment":"neutral","sentiment_score":0.03326082229614258},{"text":"Absolutely not.","start_word":5982,"end_word":5983,"sentiment":"negative","sentiment_score":-0.36316031217575073},{"text":"Absolutely not. It's always worth asking the question. Absolutely.","start_word":5984,"end_word":5992,"sentiment":"neutral","sentiment_score":-0.04465223476290703},{"text":"Perfect.","start_word":5993,"end_word":5993,"sentiment":"positive","sentiment_score":0.4424316883087158},{"text":"Well, I'll look at the portfolio. I'll have a look at the research around the super moving 250,000 into pension, making sure we get that drawdown this year, but then also drawing down the 36,000 next year in monthly increments for you. We'll keep some money sitting back in the accumulation phase as well, and we'll look at the deductible contribution. So you're putting in about $2,000 on a monthly basis and then claiming the notice of intent at the end of the year there. Mhmm.","start_word":5994,"end_word":6079,"sentiment":"neutral","sentiment_score":0.19900989532470703},{"text":"I'll look at investments that are a bit more passively managed, a bit cheaper, but also providing good returns.","start_word":6080,"end_word":6098,"sentiment":"positive","sentiment_score":0.3526654541492462},{"text":"The last thing to kinda check-in on is just the risk profile questionnaire. So we've done this every year. It's very much exactly Yep. the same. Just a couple of questions. Now I'm altering the accessing question because you wanna access super now, so I'm gonna make that one a a five. So you wanted to access super now. You Yep. still do have direct shares, so we can tick that one as a box of one. The next question here is looking at market dips. So we sort of talked about taking less risk in the market. You're feeling a bit more conservative there. If you saw, say, a 20% dip in the market, you know, over the next sort of twelve months or the next one or two years, how do you think you might be feeling? Are you calling me and saying I wanna put more money in and take advantage of the downtime? Are you a bit concerned because you're accessing super and wanting to find out if there's a safer way to put your funds? Or are you hoping to just hold and wait knowing that markets go through those ups and downs? What do you how do you think he might react? Interesting. It's it's hard to get your head around the fact that you're aging. Yep. Probably yeah. Probably the last one, really. I can still Yep. at this point, I'm not the middle one yet. Yep. No. That's That makes okay. Absolutely. you? That makes sense Yeah. to you? Abs Yeah. absolutely. Now when we think of trying to get good returns, we will all want the best return we can, but we understand that we do have to take a a certain amount of risk in order to achieve that certain rate of return. And do you consider yourself comfortable taking a higher level of risk to get higher returns, a medium amount of risk to get average or moderate amount of returns, or no risk to get very little returns? I'll go medium now. Yep.","start_word":6099,"end_word":6443,"sentiment":"neutral","sentiment_score":-0.004729160428911016},{"text":"Beautiful. I've still ticked the box here that you're trying to, on average, get the best returns you possibly can from the portfolio that you've got there.","start_word":6444,"end_word":6470,"sentiment":"positive","sentiment_score":0.40305906534194946},{"text":"Yeah. And then the last question here is looking at borrowing funds to invest, do you see yourself comfortable borrowing money in order to invest in shares or managed funds, or do you think you would never do something like that again?","start_word":6471,"end_word":6512,"sentiment":"neutral","sentiment_score":-0.025610730051994324},{"text":"No. I wouldn't do that again.","start_word":6513,"end_word":6518,"sentiment":"negative","sentiment_score":-0.41961470246315},{"text":"No. That's okay.","start_word":6519,"end_word":6521,"sentiment":"neutral","sentiment_score":-0.07044369727373123},{"text":"Beautiful. Excellent.","start_word":6522,"end_word":6523,"sentiment":"positive","sentiment_score":0.4892282783985138},{"text":"Okay. So having a look at that one there for you. My computer's thinking about it a little bit. There we go. Now you've scored there more as a more more of a moderate investor. So in that growth portfolio you have at the moment, that's where you generally see about 80% of your super invested in growth assets, like Australian shares, international shares, listed property, commodities like gold and silver, and then just about 20% in defensive lower risk investments like cash, bonds, and fixed interest. As a moderate investor, we've got one of two ways. You can start to reduce it a bit more gradually. Normally, that would see us drop you down to more of a balanced portfolio, which sees 60% of your super invested in those growth investments, and then we're increasing that defensive side of things to about 40% there for you. Do you feel comfortable dropping down to that level, or did you kinda wanna go in the middle of where you are and maybe drop down in increments, 10% Yeah. increments. How do you feel? Well, I think because we still got funds coming in from the investment and they're gonna Yep. be but we can afford a little bit of risk. So maybe that staggered approach is the better way for my situation. Yep.","start_word":6524,"end_word":6745,"sentiment":"neutral","sentiment_score":0.18815296968898257},{"text":"Yeah. Absolutely. Not a problem at all.","start_word":6746,"end_word":6752,"sentiment":"positive","sentiment_score":0.398265153169632},{"text":"So I'll look at the balance growth environment for you, which is sort of that seventy thirty split. So you're dropping down from 80 to 70 in those growth investments and then bringing up that defensive component by that 10% there as well. Sort of gradually stepping down a bit like taking steps down slowly and gradually towards that Yeah. defensive kind of area. If at any point you do feel a bit uncomfortable, let me know. You do still have time on your side, and one of the biggest misconceptions people come up with that I do find is that when we move into pension phase, we should be a 100% defensive and not taking any risk in the market. And as much as you are taking money out on a monthly basis, you still have time to be invested because retirement you can be in retirement for ten, twenty, or thirty, or forty years depending on how long you live for. So you still have time to be invested. You're still not wanting to access all that money at once, so it is still good to have that level of risk and take on some risk to get those better returns to make sure you get that longevity. So it's a bit of a juggling act, Yeah. but I can show you what this sort of balanced growth environment looks like. The average returns we're sort of chasing compounded in this sort of portfolio is about six to 8%, Yeah. and the likelihood of a negative return is about one in six years. So it is less risk than what the growth environment is. I'll look at making sure your portfolio is diversified. We also do consider, you know, when we move and alter portfolios, the CGT consequences inside super because when we buy and sell investments, your super fund still has to pay CGT tax. So we'll make sure we account for that for you. Mhmm. One of the things I could probably also look at if you would like me to is one of the things with talking to the local economists, we have seen very high inflation this year. I could look at ways of trying to combat inflation in that defensive environment. Are you comfortable with me sort of having a look at some different investments to maybe compact combat what might be coming in the next few months with what the economist has sort of been saying Yeah. for us? Yep. Absolutely. Differently. Yep.","start_word":6753,"end_word":7173,"sentiment":"neutral","sentiment_score":0.013118783275073069},{"text":"Beautiful. Lovely.","start_word":7174,"end_word":7175,"sentiment":"positive","sentiment_score":0.5327157974243164},{"text":"I've got a few options of investments that I have been looking at, but I'll sort of go back and just do a bit of divvy, have a look at, you know, what the research comes up with the longevity side of things, and I'll update the plan there for you. Now you may have mentioned that you guys are in Bundaberg for the next five weeks. Is that right? Four now, probably. Yeah. Four now? Yep. That's okay. It'll Yeah. take me about a week or so to do the research. Can I book you back in for, say, maybe the week of the fifteenth? Yep. One of those I'm sure days to go what? through the advice. Would that be okay? I'll just check my Absolutely. diary. Can we what can we make it the seventeenth or Wednesday? It's Yeah. Monday Absolutely. Did you want in the morning or the afternoon? Or on definitely in the morning. yeah.","start_word":7176,"end_word":7335,"sentiment":"neutral","sentiment_score":0.12675596377812326},{"text":"Perfect.","start_word":7336,"end_word":7336,"sentiment":"positive","sentiment_score":0.4430304765701294},{"text":"We can do I look. I start work anywhere from sort of 07:30, 08:00 in the morning. Did you want me to do, like, 08:30, 09:00 for you? Yep. Or I that's fine. Yep. 09:00?","start_word":7337,"end_word":7371,"sentiment":"neutral","sentiment_score":0.0415213368833065},{"text":"Beautiful. We'll pop that one in there for you. Beautiful.","start_word":7372,"end_word":7381,"sentiment":"positive","sentiment_score":0.5140354633331299},{"text":"And I'll send a little text message reminder so it sends a message out the day before just with that time and date to make it easier for you.","start_word":7382,"end_word":7410,"sentiment":"neutral","sentiment_score":0.306833952665329},{"text":"Yeah. Fantastic. Beautiful. Lovely. Looking forward to putting this advice together for you.","start_word":7411,"end_word":7423,"sentiment":"positive","sentiment_score":0.6938115358352661},{"text":"Now that annual review pack has been sent out, it does have the ongoing service agreement for the next twelve months. If you're happy with being on board and staying on board with me for another twelve months and having me as your adviser, I'll get you to sign and return that one back. It does have the ongoing service agreement, which is at 1.65% per annum, and our fee is deducted in smaller monthly increments for you. Because we'll Yep. be going into pension phase and having those two accounts open, that fee will be deducted. I'll add it into the advice so you can see how that works, but it will work provider across both those accounts there for you. Yeah. Yeah. But if you're comfortable just signing and returning that one back for me, we can apply that to things, and then we just as the advice updates everything, we'll just update that agreement across the accounts there for you. I've also got attached there the ongoing the annual agreement documents that we've gone through. So it has your balance there with the summary. It's also got the portfolio reports. You're welcome to run your eyes over and let me know if you do have any questions there. And I've also got the financial services guide, which we send out regularly to you as well, just updating all the information on who I am, all about us here at iView as well. So feel free to run your eyes over those Yeah. documents. If you do find us any questions in relation to them. Please come back and let me know. And, yeah, I'll get working on this research there for you. Okay?","start_word":7424,"end_word":7709,"sentiment":"neutral","sentiment_score":0.16993937344401033},{"text":"Wonderful. Dana, Excellent. as always, you've been outstanding. I appreciate Oh, thank you help so much. helping me get my head around at all.","start_word":7710,"end_word":7733,"sentiment":"positive","sentiment_score":0.6513813138008118},{"text":"I'm finding that my research wasn't, you know, completely off the beaten track. So No.","start_word":7734,"end_word":7748,"sentiment":"neutral","sentiment_score":0.22860275208950043},{"text":"You did very well.","start_word":7749,"end_word":7752,"sentiment":"positive","sentiment_score":0.4113588333129883},{"text":"yeah.","start_word":7753,"end_word":7753,"sentiment":"neutral","sentiment_score":0.2504810392856598},{"text":"But I'm I'm quite comfortable with where we're heading.","start_word":7754,"end_word":7762,"sentiment":"positive","sentiment_score":0.377368688583374},{"text":"So Yep.","start_word":7763,"end_word":7764,"sentiment":"neutral","sentiment_score":0.3200285732746124},{"text":"Beautiful. yeah. Awesome. Fantastic. Well, I will let you go to enjoy your day. Enjoy the rest of your week. Hopefully, it's nice and sunny out there. Beautiful out there. It's it's a spectacular day. Fantastic. Excellent.","start_word":7765,"end_word":7801,"sentiment":"positive","sentiment_score":0.7423154711723328},{"text":"Well, I'll get cracking on this reset, and I'll talk to you on the seventeenth at 9AM to go through the advice document.","start_word":7802,"end_word":7824,"sentiment":"neutral","sentiment_score":0.2920142710208893},{"text":"Thank you so much. Thank you, Catherine. Enjoy your Okay. day. Appreciate your You too.","start_word":7825,"end_word":7839,"sentiment":"positive","sentiment_score":0.5397499799728394},{"text":"time.","start_word":7840,"end_word":7840,"sentiment":"neutral","sentiment_score":0.25981611013412476},{"text":"Thanks.","start_word":7841,"end_word":7841,"sentiment":"positive","sentiment_score":0.40654706954956055},{"text":"Bye. See you later. Bye.","start_word":7842,"end_word":7846,"sentiment":"neutral","sentiment_score":0.23968814313411713}],"average":{"sentiment":"neutral","sentiment_score":0.11868943722051609}}}}