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Do you have a few minutes for me today? Perfect. Perfect. So I'm gonna pop that through to both email addresses. And just while I'm doing that, do you mind if I go through a quick security check with you? Amazing. Can I just confirm date of birth and address for me, sir? Perfect. Amazing. Thank you for that, Richard. How's your morning going, sir? Not too bad. Dealing with the cold. Okay? Gotta keep the heater going. Will you have access to the emails to look onto the document with me today, or should I just kind of walk you through what's there? Yep. That'd be great. I'll give you a moment there. It should come through. Usual with our new system, Odoo, that we built for ourselves, it should come up as a signature request, Odoo Financial statement of advice. If this is the first time you've received an Odoo email, it may go to your spam folder, but most of the time, it goes pretty pretty instantly to the main box. And what I've kind of sent through just while you're grabbing that up, so there's a statement of advice, a bit of an appendix with some additional research, and just some updated financial services guides for Oakview because we have updated, you know, privacy policy and licensing information. Yep. So if you hit the purple button on there, it should bring up the documents to peruse with me. There is again four on there, but the main one is just the statement of advice with the Gold Coast beachfront city picture on it. And just let me know when you can see that there, sir. Yep. Perfect. So if you just have a scroll down to the fourth page for me, it just goes through the updated scope of advice for this document. And under that blue heading, again, the main thing is we're just trying to simplify the financial structure by closing down the investment account, boosting up the super, and then just making things a little bit simpler for you guys. Again, avoiding having to constantly worry about capital gains tax all the time. And I have compared everything against that retirement goal of the 2,000 per week just to show how the income is looking for you guys. I have included as well a bit of an update to the portfolios like I mentioned. The other two areas on the next page is basically just talking about the investment account being closed down, retaining the cash outside of the 300,000, and just for estate planning. I know you mentioned you were looking to maybe update the wills at some point as well. Cool. In the page after that on five, these are the areas that we're not giving advice on. So I'm not obviously giving you recommendations on the military pension or settling at this stage. It's mainly just focusing around being that self funded through the super. Did you manage to get in contact with the DVA about your idea of options for cashing it out yet, or is that still sort of on the cards? Cool. So for this document, I've just included that pension in the income calculations just as a bit of an estimate. I know I think you were saying at the end of financial year, you probably hit around 25,000 for the military pension, so I've just factored that in as a bit of a conservative estimate. If you go okay. Have they, like, amended it at all, the amounts that they'll be paying for this financial year? Twenty six three four three. Yep. Perfect. Now just for your own information as well, I took out the disability pension because I wasn't sure with all of the capital gains tax issues whether that had actually been closed off due to any assets or means testing. So there's an additional 10,000 there to add on to the income. But I've basically just based it on the minimum rep minimum pension payments out of the super plus the military pension, and you're still looking pretty well on track there as well. So I will just amend it in the background for the extra 10,000. I wasn't sure if they're still paying that to you. That's all. Perfect. So that should be pretty easy then. I'll fix that up in the about you section on pages seven and eight. In your assets and liabilities on page eight, I've just included the three accounts for hub 24 and your main residence, the savings that you had in ANZ. And I have factored in just a little bit of interest for ANZ as well because, obviously, those are still staying in savings, and the interest sort of factors into the income as well. Do those figures look okay on page eight there under assets and liabilities? Perfect. As well as that so on pages nine and 10, we've got the current risk level for the investments, which is that balanced risk level. We weren't changing anything there, but what I have done is for the retirement projections, I've just put in there a conservative estimate. So even though the balance funds were returning about that 9% mark, I have based the retirement projections on a 5% conservative figure just in case if we did drop it down to something a bit more safe just to show that even if we did that, it would still be on track. So if you go to page 11 there, this is probably the first of the very wording heavy pages that I'll summarize for you, but it should be under a heading strategy recommendations. So the main thing for yours, Richard, is I just wanted to update some of the investments. I've found some options that are a little bit lower fees, a little bit better performing, and that'll just bump things up a little bit. Now because you're in a full account based pension, there's no capital gains tax for the super to switch around investments, which is really good. So that's essentially what that page is saying, just showing that we we factored in all of these changes into the retirement projections as well. And what I basically put in there is at the end of all the recommendations, which is, again, closing the investment, the 300,000 going into Mercia's fund, and the military pension, I've just included those minimum pension payments out of the super and how that kind of compares to your retirement goal. So I think it's about 4,356 per fortnight all up. And then if you add on the 10,000 for the disability pension, a fortnight out of 4,000 that you need. Cool. Now a very interesting thing, if you keep going down, h twelve's got advantages and disadvantages in terms of lower fees, maintaining the risk level, and so on. Again, just a flag that the stock market will kind of do what it does. We can't control the weather, but I'm just trying to pick the most quality investments I could. And when you get through to that section, if you could please just pop through to page 14 for me, there's a bit of an investment options table. Quite a lot of figures in red on there. Yep. So what I'm basically recommending is an updated portfolio where the first two options there, Benelon and ClearBridge, they haven't been performing as well as the other options. So I'm just getting them switched out. That is some Australian shares. The beta shares high interest cash account's getting bumped up tiny bit just to kind of rebalance everything. A bit of battery tech going. Gold's just being minimized a little bit because it has been quite volatile, and we just wanna keep that as a steady 10%, which is kind of the model portfolio that we built for you. But the main difference is just the bottom few rows. So the the core amounts in your bonds portfolio is gonna be there for 25%. That's the safer side. The American shares are gonna be there at 22%. That's pretty standard. And then on the next page is the two new options that I'm I'm mixing in. So you should see a Vanguard option and a BetaShares Australia 200. That's essentially like a a low fee passive replacement of those previous options I mentioned, and that's probably the the major change. Now what that kind of does to your super, if you go to page 16, we've got the nice colorful pie chart for the asset allocation there. So again, for balance, you generally float between 60 to 70% in growth assets. By making these changes, it kind of gets you to float around 64%, whereas you're currently sitting at 62 and a half. There is a little bit of cash in your fund that kinda needs to be invested, but that's just it kind of fluctuates with all the dividends that you just received from end of financial year, so those will be invested pretty soon as well. Okay? So risk level won't change. If you look at the next page, we've got the fee comparison there. And there's just a couple of things I wanted to note as well. So on the right hand side, you can see a difference section, and the investment fees drop more than 50% with the new options. So the investment fees based they're they're percentage based, but on your balance, they go from 3,600 to 1,555. At the same time, the five year returns for the updates bring your portfolio from about 8% to 9%. So, again, a little bit of a bump up on returns, a huge reduction in fees, and those two should translate pretty well going forward. If you go down now I do apologize for the amount of figures in these tables here, but on '18, we've got a bit of an updated projection here. Now if you continue to get a 9% return, the balance will go up compared to what you're drawing down, which is at 5% based on age. The drawdown calculator there below, that just shows you the balance going down over time if you were in a conservative portfolio and how long the funds would last. So, obviously, if you keep getting a balanced return, the funds will grow above what you're pulling out. If we dropped it right down to the lowest risk level, they would start to go down. But by the end of age a 100, you'd still have a couple 100,000 left over. So, again, not trying to sort of overpromise and under deliver, but I just like to have that conservative projection there as a bit of an alternative for you to consider as well. Super because, obviously, you're at 5% now. When you hit 75, it'll bump up to six percent. And Mercia's still got a couple of years at the 4%. Cool. From there, we go down to the sell down of the investment and the pension refresh. But do you have any questions on your portfolio at the moment? Cool. Alright. Perfect. Yeah. That's right. Cool. And I have factored that in in the drawdown as well, just stepping it up over time. The page 21, so we've got the sell down of the IDPS. Now please take this with a grain of salt, but we did a Hub twenty four has an automatic capital gains tax calculation where they basically say for the total account sell down, it's looking at 7,000 based on a maximum tax rate of 47%. But, again, with you guys, you're, again, splitting it between the both of you, and your income level's not that high, so you're not gonna be paying the full the full rate. So that's kind of a bit of a maximum estimate there for you. Cool. So once that gets closed down, if you go to pages 23, I'm not sure if you're used to how a pension refresh works within super. So all we're basically doing is that once the the IDPS gets sold down, we're essentially opening a super account to receive those contributions of the 300,000. We roll back the pension into there as well so it pulls into one figure and then move that entire amount back into the pension. Otherwise, you're gonna have two pension accounts running side by side with different payments, different dates, different calculations. So Hub twenty four has got a really cool tool where we can just kind of open an account, move it back and forth, and then you're back in the new space. K? Exactly. And with the 300,000 again, because that's going in nonconcessionally, it's post tax dollars, goes into the tax free portion. So for any estate planning, there won't be any taxes on on passing that over as well. And, of course, it's gonna boost up the super. If we go to page 25, it kind of outlines those steps in the pension refresh for you. And I've just listed that under Merci's heading. And, again, I've just said anything outside of the 300,000 will be kept in cash for any expenses and taxes to be paid, and then that should go in. I've kind of repeated the retirement outcome on page 26 for the best interest duty, which is essentially just all of those income amounts added together compared against the goal just because I'm kind of advising both of you guys. So I've just repeated that same information. And in addition to that, I've recommended the same portfolio for Mercia just so that you guys are in similar investments so you don't have to worry about too many differences between the two accounts. And, again, same thing. The underperforming funds are getting removed. There's a rebalance of the remaining options, and there's an inclusion of a couple of lower fee options there as well. And then, again, the same tables are repeated for her. Asset allocation on page 32, 64 same as yours. The returns and fee differences there as well. But, Richard, if you could go down to page 33 for me, I just wanted to walk you through a bit of a change on the advice services. You should see a fee comparison table there as well. Yep. Now the current agreement that you guys are under, there's a split of fixed fees between the three accounts. So, essentially, Mersha's is on 4,950. Yours is about the 7,000 mark, and then there's a portion going out of the investment account. I just wanted to let you know that the agreement, the fixed term agreement for those three accounts, that doesn't expire until September. So once the investment account closes, those fees will cease, and you guys will remain on the remainder of the fixed fees up until the end of September. And I was sort of thinking about how to balance that with the two accounts going forward. What we're essentially offering post September is a bit of a a couple's fee discount for you guys. So instead of you paying $9.09 out of the two accounts and Mercia paying 5, it'll just be $6.06 between the both of you each, and that'll probably drop the advice fees by about 1,600 per year. But I have not included any updated service agreements with this document. It's just a flag that once your fixed term agreement ends in September, I would like to get you on the lower fee agreement with OPU. Post that point, Sevi and Bart are working on a bit of a a tiered fee structure as well. So most clients above 200,000 next year will start to get some discounts as well, just a reduction of percentages. So I've factored in that new low fee couples discount just for the projections purpose. But, again, your fixed agreement still runs for another couple of months, so I'm just leaving that until that ends. K? Now once we get through September, are you okay for the team to send out the updated agreement to you guys? Cool. And, basically, when that goes through, just have a read through, make sure you're comfortable with it. I'll try and get them to include what the previous fixed fee agreement was compared to the new one just so you can compare the two. Make sure you you still feel there's value for money there. And if you have any questions before signing, just give us a buzz. Perfect. Ends the projection calculators here as well. Again, with Marsha adding 300,000 to her account, the projections look quite quite large on page 34 for her. But the main one I wanted to show you is if you keep going down a bit further, we've got some estate planning and wills after that. Power of attorney. I wasn't sure whether you guys had updated to have your power of attorney in place for each other if you were in hospital or something like that. Yeah. Cool. So it's just a bit of a reminder that, you know, if you go to update the wills, maybe just ask about the power of attorney as well just in case. I know it's pretty common these days for the the spouse to be included pretty quickly with doctors and the like, but it's probably the most surefire way of avoiding any probate or any issues there as well. And, again, so just with the drawdowns, I've included the defense pension, 5% interest from the ANZ accounts, and the minimum drawdowns from the super. Cool. Services at the back, some steps for implementation at the back as well on pages forty seven and forty eight, which is essentially the steps that we'll be undertaking, and you're pretty used to it as well. So once that investment account gets sold down, the money will come out to the bank. If you guys can make that contribution into Mercia's super account once we open it, then we will do the pension refresh. So, basically, I will get Jack to open up that super account to hold those contributions. Yeah. There's a couple of ways to do it. Either you guys can contribute it via BPAY or EFT, which can sometimes have some issues with the banks when it comes to large amounts. We can attempt to debit it as well through the applications. As long as you're comfortable with that, we can attempt to do a debit out of the account as well. Yeah. I will try and use, to make it a bit easier. I'll see if Hub twenty four's account tool that we use for the pension refresh, whether that will allow the investment account to be moved internally to save that. It's just something that I need to we haven't done an investment to superint pension before. It's a triple account movement. So I Hub twenty four technical team and check that. But if that's the way that we can do it, I'll make sure that's the way it happens. And if not, I'll get Jack to let you know if we have to do a withdrawal and recontribution. Is that okay? Perfect. They've probably got the market leading account switching tool. So if they can't do it, no one can, But I'll investigate that straight away. And that's what I was thinking too is because if we did a account switch from the investment into the super, the way to do it then so the full $34,350,000 would move into from account to account. We would then have to do, like, a withdrawal for the remaining balance. And if that doesn't work, we will do an account closure followed by a contribution. Awesome. Any questions for me so far, Richard? Cool. Now because I haven't spoken to Moshe today, I have included, obviously, for both of you guys to sign off on this. And if you wouldn't mind just kind of walking her through it and just letting me know if there's any questions before signing, and I'll just put those implementation options as a note for the team to flag with Hub twenty four. Yeah. So the way Odoo works is it'll pretty much because you can scroll through the documents, when you do click to start, it'll kind of bring you to the signature spots to put the signature date and name on there. It'll stamp them. You can click on it to draw it if you would like to try and match it to your ID, but the stamp is okay for us. And then what basically happens is once you've finished that, there's a button that should say next document to allow you to skip through the other three documents. Yes. That can be used as well. Though. Yeah. So when you get to that signature box, what will happen is it'll stamp your name as a signature on the box, but then if you actually click on it, it'll give you the option to either draw a signature or upload an image. So that should work pretty well. It's pretty similar to DocuSign. Easy done. And Yes, sir. Yep. Yeah. I think yeah. Yeah. Oh, that's a bit strange. It's strange that they wouldn't preload it in there for you, and to add an entire ring income in would be a bit strange. Do you know if there's ever usually any delays with the military in getting that information in there? Yeah. That's a bit strange. And the other thing too to just consider is anything you need to input from the investment account, we can generate reports and things like that, but it may be worth yeah. I mean, sometimes there's any dividends or distributions that are received into the account need to be included as well. So even if you're not selling the investments and getting a a capital gains tax event, you know, dividends from shares and things like that can still be included. So if it's helpful, what I would suggest is is one, just contact the the lovely tax office who have very short waiting times just to ask about the military pension. But I will get some reports generated from Hub twenty four about the investment account because everything that goes from those reports into a tax return has codes, and the codes match the the software. Now once that's closed, next year will be very, very simple. But, again, I believe some distributions would need to be included. Yep. Yeah. They're a bit slow. I'm just jumping on. No. Cool. Richard, I'm gonna get these reports. It's gonna look a little bit intimidating when I send through these hub reports for the investment account just because they're they're quite large, but there's some summaries in there that should be easier for the return. So I'm sorry. I don't know the answer for the military pension, why that's not included, or how to add it, but I'll get you everything that you need when it comes to the investment account. Fantastic. Any questions at all, mate, just give us a buzz back. But we will be reaching out once we flag exactly how to implement the account switching, and I'll get Jack to let you know what Hub twenty four says. Amazing. I just wanna make sure, a, that she understands what we're doing and any questions as well. Yeah. Cool. Awesome, Richard. Thank you so much for your time as always, sir. And keep an eye out for my email and then a call from Jack once he's doing the implementation. Thank you, mate. Have a fantastic day. 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morning, Richard. Tommy here from Oakview. How are you doing? Good to hear. Good to hear.\n\nI've got your updated advice strategy ready to send through to you. Do you have a few minutes for me today? Perfect. Perfect. So I'm gonna pop that through to both email addresses.\n\nAnd just while I'm doing that, do you mind if I go through a quick security check with you? Amazing. Can I just confirm date of birth and address for me, sir? Perfect. Amazing.\n\nThank you for that, Richard. How's your morning going, sir? Not too bad. Dealing with the cold. Okay?\n\nGotta keep the heater going. Will you have access to the emails to look onto the document with me today, or should I just kind of walk you through what's there? Yep. That'd be great. I'll give you a moment there.\n\nIt should come through. Usual with our new system, Odoo, that we built for ourselves, it should come up as a signature request, Odoo Financial statement of advice. If this is the first time you've received an Odoo email, it may go to your spam folder, but most of the time, it goes pretty pretty instantly to the main box. And what I've kind of sent through just while you're grabbing that up, so there's a statement of advice, a bit of an appendix with some additional research, and just some updated financial services guides for Oakview because we have updated, you know, privacy policy and licensing information. Yep.\n\nSo if you hit the purple button on there, it should bring up the documents to peruse with me. There is again four on there, but the main one is just the statement of advice with the Gold Coast beachfront city picture on it. And just let me know when you can see that there, sir. Yep. Perfect.\n\nSo if you just have a scroll down to the fourth page for me, it just goes through the updated scope of advice for this document. And under that blue heading, again, the main thing is we're just trying to simplify the financial structure by closing down the investment account, boosting up the super, and then just making things a little bit simpler for you guys. Again, avoiding having to constantly worry about capital gains tax all the time. And I have compared everything against that retirement goal of the 2,000 per week just to show how the income is looking for you guys. I have included as well a bit of an update to the portfolios like I mentioned.\n\nThe other two areas on the next page is basically just talking about the investment account being closed down, retaining the cash outside of the 300,000, and just for estate planning. I know you mentioned you were looking to maybe update the wills at some point as well. Cool. In the page after that on five, these are the areas that we're not giving advice on. So I'm not obviously giving you recommendations on the military pension or settling at this stage.\n\nIt's mainly just focusing around being that self funded through the super. Did you manage to get in contact with the DVA about your idea of options for cashing it out yet, or is that still sort of on the cards? Cool. So for this document, I've just included that pension in the income calculations just as a bit of an estimate. I know I think you were saying at the end of financial year, you probably hit around 25,000 for the military pension, so I've just factored that in as a bit of a conservative estimate.\n\nIf you go okay. Have they, like, amended it at all, the amounts that they'll be paying for this financial year? Twenty six three four three. Yep. Perfect.\n\nNow just for your own information as well, I took out the disability pension because I wasn't sure with all of the capital gains tax issues whether that had actually been closed off due to any assets or means testing. So there's an additional 10,000 there to add on to the income. But I've basically just based it on the minimum rep minimum pension payments out of the super plus the military pension, and you're still looking pretty well on track there as well. So I will just amend it in the background for the extra 10,000. I wasn't sure if they're still paying that to you.\n\nThat's all. Perfect. So that should be pretty easy then. I'll fix that up in the about you section on pages seven and eight. In your assets and liabilities on page eight, I've just included the three accounts for hub 24 and your main residence, the savings that you had in ANZ.\n\nAnd I have factored in just a little bit of interest for ANZ as well because, obviously, those are still staying in savings, and the interest sort of factors into the income as well. Do those figures look okay on page eight there under assets and liabilities? Perfect. As well as that so on pages nine and 10, we've got the current risk level for the investments, which is that balanced risk level. We weren't changing anything there, but what I have done is for the retirement projections, I've just put in there a conservative estimate.\n\nSo even though the balance funds were returning about that 9% mark, I have based the retirement projections on a 5% conservative figure just in case if we did drop it down to something a bit more safe just to show that even if we did that, it would still be on track. So if you go to page 11 there, this is probably the first of the very wording heavy pages that I'll summarize for you, but it should be under a heading strategy recommendations. So the main thing for yours, Richard, is I just wanted to update some of the investments. I've found some options that are a little bit lower fees, a little bit better performing, and that'll just bump things up a little bit. Now because you're in a full account based pension, there's no capital gains tax for the super to switch around investments, which is really good.\n\nSo that's essentially what that page is saying, just showing that we we factored in all of these changes into the retirement projections as well. And what I basically put in there is at the end of all the recommendations, which is, again, closing the investment, the 300,000 going into Mercia's fund, and the military pension, I've just included those minimum pension payments out of the super and how that kind of compares to your retirement goal. So I think it's about 4,356 per fortnight all up. And then if you add on the 10,000 for the disability pension, a fortnight out of 4,000 that you need. Cool.\n\nNow a very interesting thing, if you keep going down, h twelve's got advantages and disadvantages in terms of lower fees, maintaining the risk level, and so on. Again, just a flag that the stock market will kind of do what it does. We can't control the weather, but I'm just trying to pick the most quality investments I could. And when you get through to that section, if you could please just pop through to page 14 for me, there's a bit of an investment options table. Quite a lot of figures in red on there.\n\nYep. So what I'm basically recommending is an updated portfolio where the first two options there, Benelon and ClearBridge, they haven't been performing as well as the other options. So I'm just getting them switched out. That is some Australian shares. The beta shares high interest cash account's getting bumped up tiny bit just to kind of rebalance everything.\n\nA bit of battery tech going. Gold's just being minimized a little bit because it has been quite volatile, and we just wanna keep that as a steady 10%, which is kind of the model portfolio that we built for you. But the main difference is just the bottom few rows. So the the core amounts in your bonds portfolio is gonna be there for 25%. That's the safer side.\n\nThe American shares are gonna be there at 22%. That's pretty standard. And then on the next page is the two new options that I'm I'm mixing in. So you should see a Vanguard option and a BetaShares Australia 200. That's essentially like a a low fee passive replacement of those previous options I mentioned, and that's probably the the major change.\n\nNow what that kind of does to your super, if you go to page 16, we've got the nice colorful pie chart for the asset allocation there. So again, for balance, you generally float between 60 to 70% in growth assets. By making these changes, it kind of gets you to float around 64%, whereas you're currently sitting at 62 and a half. There is a little bit of cash in your fund that kinda needs to be invested, but that's just it kind of fluctuates with all the dividends that you just received from end of financial year, so those will be invested pretty soon as well. Okay?\n\nSo risk level won't change. If you look at the next page, we've got the fee comparison there. And there's just a couple of things I wanted to note as well. So on the right hand side, you can see a difference section, and the investment fees drop more than 50% with the new options. So the investment fees based they're they're percentage based, but on your balance, they go from 3,600 to 1,555.\n\nAt the same time, the five year returns for the updates bring your portfolio from about 8% to 9%. So, again, a little bit of a bump up on returns, a huge reduction in fees, and those two should translate pretty well going forward. If you go down now I do apologize for the amount of figures in these tables here, but on '18, we've got a bit of an updated projection here. Now if you continue to get a 9% return, the balance will go up compared to what you're drawing down, which is at 5% based on age. The drawdown calculator there below, that just shows you the balance going down over time if you were in a conservative portfolio and how long the funds would last.\n\nSo, obviously, if you keep getting a balanced return, the funds will grow above what you're pulling out. If we dropped it right down to the lowest risk level, they would start to go down. But by the end of age a 100, you'd still have a couple 100,000 left over. So, again, not trying to sort of overpromise and under deliver, but I just like to have that conservative projection there as a bit of an alternative for you to consider as well. Super because, obviously, you're at 5% now.\n\nWhen you hit 75, it'll bump up to six percent. And Mercia's still got a couple of years at the 4%. Cool. From there, we go down to the sell down of the investment and the pension refresh. But do you have any questions on your portfolio at the moment?\n\nCool. Alright. Perfect. Yeah. That's right.\n\nCool. And I have factored that in in the drawdown as well, just stepping it up over time. The page 21, so we've got the sell down of the IDPS. Now please take this with a grain of salt, but we did a Hub twenty four has an automatic capital gains tax calculation where they basically say for the total account sell down, it's looking at 7,000 based on a maximum tax rate of 47%. But, again, with you guys, you're, again, splitting it between the both of you, and your income level's not that high, so you're not gonna be paying the full the full rate.\n\nSo that's kind of a bit of a maximum estimate there for you. Cool. So once that gets closed down, if you go to pages 23, I'm not sure if you're used to how a pension refresh works within super. So all we're basically doing is that once the the IDPS gets sold down, we're essentially opening a super account to receive those contributions of the 300,000. We roll back the pension into there as well so it pulls into one figure and then move that entire amount back into the pension.\n\nOtherwise, you're gonna have two pension accounts running side by side with different payments, different dates, different calculations. So Hub twenty four has got a really cool tool where we can just kind of open an account, move it back and forth, and then you're back in the new space. K? Exactly. And with the 300,000 again, because that's going in nonconcessionally, it's post tax dollars, goes into the tax free portion.\n\nSo for any estate planning, there won't be any taxes on on passing that over as well. And, of course, it's gonna boost up the super. If we go to page 25, it kind of outlines those steps in the pension refresh for you. And I've just listed that under Merci's heading. And, again, I've just said anything outside of the 300,000 will be kept in cash for any expenses and taxes to be paid, and then that should go in.\n\nI've kind of repeated the retirement outcome on page 26 for the best interest duty, which is essentially just all of those income amounts added together compared against the goal just because I'm kind of advising both of you guys. So I've just repeated that same information. And in addition to that, I've recommended the same portfolio for Mercia just so that you guys are in similar investments so you don't have to worry about too many differences between the two accounts. And, again, same thing. The underperforming funds are getting removed.\n\nThere's a rebalance of the remaining options, and there's an inclusion of a couple of lower fee options there as well. And then, again, the same tables are repeated for her. Asset allocation on page 32, 64 same as yours. The returns and fee differences there as well. But, Richard, if you could go down to page 33 for me, I just wanted to walk you through a bit of a change on the advice services.\n\nYou should see a fee comparison table there as well. Yep. Now the current agreement that you guys are under, there's a split of fixed fees between the three accounts. So, essentially, Mersha's is on 4,950. Yours is about the 7,000 mark, and then there's a portion going out of the investment account.\n\nI just wanted to let you know that the agreement, the fixed term agreement for those three accounts, that doesn't expire until September. So once the investment account closes, those fees will cease, and you guys will remain on the remainder of the fixed fees up until the end of September. And I was sort of thinking about how to balance that with the two accounts going forward. What we're essentially offering post September is a bit of a a couple's fee discount for you guys. So instead of you paying $9.09 out of the two accounts and Mercia paying 5, it'll just be $6.06 between the both of you each, and that'll probably drop the advice fees by about 1,600 per year.\n\nBut I have not included any updated service agreements with this document. It's just a flag that once your fixed term agreement ends in September, I would like to get you on the lower fee agreement with OPU. Post that point, Sevi and Bart are working on a bit of a a tiered fee structure as well. So most clients above 200,000 next year will start to get some discounts as well, just a reduction of percentages. So I've factored in that new low fee couples discount just for the projections purpose.\n\nBut, again, your fixed agreement still runs for another couple of months, so I'm just leaving that until that ends. K? Now once we get through September, are you okay for the team to send out the updated agreement to you guys? Cool. And, basically, when that goes through, just have a read through, make sure you're comfortable with it.\n\nI'll try and get them to include what the previous fixed fee agreement was compared to the new one just so you can compare the two. Make sure you you still feel there's value for money there. And if you have any questions before signing, just give us a buzz. Perfect. Ends the projection calculators here as well.\n\nAgain, with Marsha adding 300,000 to her account, the projections look quite quite large on page 34 for her. But the main one I wanted to show you is if you keep going down a bit further, we've got some estate planning and wills after that. Power of attorney. I wasn't sure whether you guys had updated to have your power of attorney in place for each other if you were in hospital or something like that. Yeah.\n\nCool. So it's just a bit of a reminder that, you know, if you go to update the wills, maybe just ask about the power of attorney as well just in case. I know it's pretty common these days for the the spouse to be included pretty quickly with doctors and the like, but it's probably the most surefire way of avoiding any probate or any issues there as well. And, again, so just with the drawdowns, I've included the defense pension, 5% interest from the ANZ accounts, and the minimum drawdowns from the super. Cool.\n\nServices at the back, some steps for implementation at the back as well on pages forty seven and forty eight, which is essentially the steps that we'll be undertaking, and you're pretty used to it as well. So once that investment account gets sold down, the money will come out to the bank. If you guys can make that contribution into Mercia's super account once we open it, then we will do the pension refresh. So, basically, I will get Jack to open up that super account to hold those contributions. Yeah.\n\nThere's a couple of ways to do it. Either you guys can contribute it via BPAY or EFT, which can sometimes have some issues with the banks when it comes to large amounts. We can attempt to debit it as well through the applications. As long as you're comfortable with that, we can attempt to do a debit out of the account as well. Yeah.\n\nI will try and use, to make it a bit easier. I'll see if Hub twenty four's account tool that we use for the pension refresh, whether that will allow the investment account to be moved internally to save that. It's just something that I need to we haven't done an investment to superint pension before. It's a triple account movement. So I Hub twenty four technical team and check that.\n\nBut if that's the way that we can do it, I'll make sure that's the way it happens. And if not, I'll get Jack to let you know if we have to do a withdrawal and recontribution. Is that okay? Perfect. They've probably got the market leading account switching tool.\n\nSo if they can't do it, no one can, But I'll investigate that straight away. And that's what I was thinking too is because if we did a account switch from the investment into the super, the way to do it then so the full $34,350,000 would move into from account to account. We would then have to do, like, a withdrawal for the remaining balance. And if that doesn't work, we will do an account closure followed by a contribution. Awesome.\n\nAny questions for me so far, Richard? Cool. Now because I haven't spoken to Moshe today, I have included, obviously, for both of you guys to sign off on this. And if you wouldn't mind just kind of walking her through it and just letting me know if there's any questions before signing, and I'll just put those implementation options as a note for the team to flag with Hub twenty four. Yeah.\n\nSo the way Odoo works is it'll pretty much because you can scroll through the documents, when you do click to start, it'll kind of bring you to the signature spots to put the signature date and name on there. It'll stamp them. You can click on it to draw it if you would like to try and match it to your ID, but the stamp is okay for us. And then what basically happens is once you've finished that, there's a button that should say next document to allow you to skip through the other three documents. Yes.\n\nThat can be used as well. Though. Yeah. So when you get to that signature box, what will happen is it'll stamp your name as a signature on the box, but then if you actually click on it, it'll give you the option to either draw a signature or upload an image. So that should work pretty well.\n\nIt's pretty similar to DocuSign. Easy done. And Yes, sir. Yep. Yeah.\n\nI think yeah. Yeah. Oh, that's a bit strange. It's strange that they wouldn't preload it in there for you, and to add an entire ring income in would be a bit strange. Do you know if there's ever usually any delays with the military in getting that information in there?\n\nYeah. That's a bit strange. And the other thing too to just consider is anything you need to input from the investment account, we can generate reports and things like that, but it may be worth yeah. I mean, sometimes there's any dividends or distributions that are received into the account need to be included as well. So even if you're not selling the investments and getting a a capital gains tax event, you know, dividends from shares and things like that can still be included.\n\nSo if it's helpful, what I would suggest is is one, just contact the the lovely tax office who have very short waiting times just to ask about the military pension. But I will get some reports generated from Hub twenty four about the investment account because everything that goes from those reports into a tax return has codes, and the codes match the the software. Now once that's closed, next year will be very, very simple. But, again, I believe some distributions would need to be included. Yep.\n\nYeah. They're a bit slow. I'm just jumping on. No. Cool.\n\nRichard, I'm gonna get these reports. It's gonna look a little bit intimidating when I send through these hub reports for the investment account just because they're they're quite large, but there's some summaries in there that should be easier for the return. So I'm sorry. I don't know the answer for the military pension, why that's not included, or how to add it, but I'll get you everything that you need when it comes to the investment account. Fantastic.\n\nAny questions at all, mate, just give us a buzz back. But we will be reaching out once we flag exactly how to implement the account switching, and I'll get Jack to let you know what Hub twenty four says. Amazing. I just wanna make sure, a, that she understands what we're doing and any questions as well. Yeah.\n\nCool. Awesome, Richard. Thank you so much for your time as always, sir. And keep an eye out for my email and then a call from Jack once he's doing the implementation. Thank you, mate.\n\nHave a fantastic day. Bye.","paragraphs":[{"sentences":[{"text":"Good morning, Richard.","start":2.56,"end":3.4399998,"sentiment":"neutral","sentiment_score":0.33247072498003644},{"text":"Tommy here from Oakview.","start":3.4399998,"end":4.48,"sentiment":"neutral","sentiment_score":0.3104797601699829},{"text":"How are you doing?","start":4.48,"end":5.38,"sentiment":"neutral","sentiment_score":0.3147052451968193},{"text":"Good to hear.","start":7.52,"end":8.16,"sentiment":"positive","sentiment_score":0.6670226454734802},{"text":"Good to hear.","start":8.16,"end":8.96,"sentiment":"positive","sentiment_score":0.577705959479014}],"sentiment":"positive","sentiment_score":0.42543164772145886,"num_words":17,"start":2.56,"end":8.96},{"sentences":[{"text":"I've got your updated advice strategy ready to send through to you.","start":8.96,"end":12.96,"sentiment":"positive","sentiment_score":0.3719611167907715},{"text":"Do you have a few minutes for me today?","start":12.96,"end":16.595,"sentiment":"neutral","sentiment_score":0.11504223942756653},{"text":"Perfect.","start":16.595,"end":16.994999,"sentiment":"positive","sentiment_score":0.4758842587471008},{"text":"Perfect.","start":16.994999,"end":17.315,"sentiment":"positive","sentiment_score":0.43357688188552856},{"text":"So I'm gonna pop that through to both email addresses.","start":17.315,"end":20.615,"sentiment":"neutral","sentiment_score":0.19622620046138764}],"sentiment":"neutral","sentiment_score":0.2536556576237534,"num_words":33,"start":8.96,"end":20.615},{"sentences":[{"text":"And just while I'm doing that, do you mind if I go through a quick security check with you?","start":21.395,"end":25.255001,"sentiment":"neutral","sentiment_score":0.03124263470894412},{"text":"Amazing.","start":26.595,"end":27.095,"sentiment":"neutral","sentiment_score":0.30082571506500244},{"text":"Can I just confirm date of birth and address for me, sir?","start":27.154999,"end":35.06,"sentiment":"neutral","sentiment_score":0.16686510170499483},{"text":"Perfect.","start":35.36,"end":35.86,"sentiment":"neutral","sentiment_score":0.12767936289310455},{"text":"Amazing.","start":38.56,"end":39.04,"sentiment":"positive","sentiment_score":0.4674433767795563}],"sentiment":"neutral","sentiment_score":0.10270410984316293,"num_words":34,"start":21.395,"end":39.04},{"sentences":[{"text":"Thank you for that, Richard.","start":39.04,"end":40.08,"sentiment":"positive","sentiment_score":0.6020772457122803},{"text":"How's your morning going, sir?","start":40.08,"end":41.46,"sentiment":"neutral","sentiment_score":0.3229119718074799},{"text":"Not too bad.","start":44.025,"end":44.745,"sentiment":"neutral","sentiment_score":-0.030991970251003902},{"text":"Dealing with the cold.","start":44.745,"end":45.545,"sentiment":"neutral","sentiment_score":-0.09082110226154327},{"text":"Okay?","start":45.545,"end":46.045,"sentiment":"neutral","sentiment_score":0.008098885416984558}],"sentiment":"neutral","sentiment_score":0.2320435918453667,"num_words":18,"start":39.04,"end":46.045},{"sentences":[{"text":"Gotta keep the heater going.","start":49.065,"end":50.605,"sentiment":"neutral","sentiment_score":0.009237068891525268},{"text":"Will you have access to the emails to look onto the document with me today, or should I just kind of walk you through what's there?","start":51.545,"end":66.29,"sentiment":"neutral","sentiment_score":0.04300540352526765},{"text":"Yep.","start":66.29,"end":66.61,"sentiment":"neutral","sentiment_score":0.11492683738470078},{"text":"That'd be great.","start":66.61,"end":67.33,"sentiment":"neutral","sentiment_score":0.3200269043445587},{"text":"I'll give you a moment there.","start":67.33,"end":68.69,"sentiment":"neutral","sentiment_score":0.15695872406164804}],"sentiment":"neutral","sentiment_score":0.07758745685128904,"num_words":41,"start":49.065,"end":68.69},{"sentences":[{"text":"It should come through.","start":68.69,"end":69.75,"sentiment":"neutral","sentiment_score":0.1432785913348198},{"text":"Usual with our new system, Odoo, that we built for ourselves, it should come up as a signature request, Odoo Financial statement of advice.","start":70.53,"end":78.595,"sentiment":"neutral","sentiment_score":0.11860551514352362},{"text":"If this is the first time you've received an Odoo email, it may go to your spam folder, but most of the time, it goes pretty pretty instantly to the main box.","start":80.015,"end":88.590004,"sentiment":"neutral","sentiment_score":0.032160543429199606},{"text":"And what I've kind of sent through just while you're grabbing that up, so there's a statement of advice, a bit of an appendix with some additional research, and just some updated financial services guides for Oakview because we have updated, you know, privacy policy and licensing information.","start":93.69,"end":108.034996,"sentiment":"neutral","sentiment_score":0.044323920524523906},{"text":"Yep.","start":115.869995,"end":116.189995,"sentiment":"neutral","sentiment_score":0.09472908824682236}],"sentiment":"neutral","sentiment_score":0.06120239809121287,"num_words":109,"start":68.69,"end":116.189995},{"sentences":[{"text":"So if you hit the purple button on there, it should bring up the documents to peruse with me.","start":116.189995,"end":121.329994,"sentiment":"neutral","sentiment_score":0.10043925988046747},{"text":"There is again four on there, but the main one is just the statement of advice with the Gold Coast beachfront city picture on it.","start":121.78999,"end":129.815,"sentiment":"neutral","sentiment_score":0.04591444358229637},{"text":"And just let me know when you can see that there, sir.","start":131.635,"end":133.895,"sentiment":"neutral","sentiment_score":0.08954471722245216},{"text":"Yep.","start":140.275,"end":140.675,"sentiment":"positive","sentiment_score":0.5048916935920715},{"text":"Perfect.","start":140.675,"end":141.175,"sentiment":"positive","sentiment_score":0.7094539403915405}],"sentiment":"neutral","sentiment_score":0.09215671151619532,"num_words":58,"start":116.189995,"end":141.175},{"sentences":[{"text":"So if you just have a scroll down to the fourth page for me, it just goes through the updated scope of advice for this document.","start":141.53001,"end":148.51001,"sentiment":"positive","sentiment_score":0.3647325153534229},{"text":"And under that blue heading, again, the main thing is we're just trying to simplify the financial structure by closing down the investment account, boosting up the super, and then just making things a little bit simpler for you guys.","start":150.57,"end":162.175,"sentiment":"positive","sentiment_score":0.3345069523900747},{"text":"Again, avoiding having to constantly worry about capital gains tax all the time.","start":162.175,"end":166.99501,"sentiment":"neutral","sentiment_score":0.20082691884957826},{"text":"And I have compared everything against that retirement goal of the 2,000 per week just to show how the income is looking for you guys.","start":167.535,"end":175.85,"sentiment":"neutral","sentiment_score":0.2540822267532349},{"text":"I have included as well a bit of an update to the portfolios like I mentioned.","start":178.39,"end":183.05,"sentiment":"neutral","sentiment_score":0.17916872072964907}],"sentiment":"neutral","sentiment_score":0.28910690533618133,"num_words":120,"start":141.53001,"end":183.05},{"sentences":[{"text":"The other two areas on the next page is basically just talking about the investment account being closed down, retaining the cash outside of the 300,000, and just for estate planning.","start":183.67,"end":196.78499,"sentiment":"neutral","sentiment_score":0.04878673017505677},{"text":"I know you mentioned you were looking to maybe update the wills at some point as well.","start":197.165,"end":209.34999,"sentiment":"neutral","sentiment_score":0.021066377048983294},{"text":"Cool.","start":209.73,"end":210.23,"sentiment":"neutral","sentiment_score":0.2084743082523346},{"text":"In the page after that on five, these are the areas that we're not giving advice on.","start":211.01,"end":217.21501,"sentiment":"neutral","sentiment_score":-0.06984872425742009},{"text":"So I'm not obviously giving you recommendations on the military pension or settling at this stage.","start":217.21501,"end":222.515,"sentiment":"neutral","sentiment_score":-0.20996195077896118}],"sentiment":"neutral","sentiment_score":-0.030095465503996464,"num_words":82,"start":183.67,"end":222.515},{"sentences":[{"text":"It's mainly just focusing around being that self funded through the super.","start":222.57501,"end":228.22,"sentiment":"neutral","sentiment_score":0.0032922732643783092},{"text":"Did you manage to get in contact with the DVA about your idea of options for cashing it out yet, or is that still sort of on the cards?","start":228.22,"end":235.59999,"sentiment":"neutral","sentiment_score":-0.022811647825713814},{"text":"Cool.","start":242.95499,"end":243.355,"sentiment":"neutral","sentiment_score":0.2330935001373291},{"text":"So for this document, I've just included that pension in the income calculations just as a bit of an estimate.","start":243.355,"end":249.83499,"sentiment":"neutral","sentiment_score":0.13799121081829072},{"text":"I know I think you were saying at the end of financial year, you probably hit around 25,000 for the military pension, so I've just factored that in as a bit of a conservative estimate.","start":249.83499,"end":259.65,"sentiment":"neutral","sentiment_score":0.10622863929186549}],"sentiment":"neutral","sentiment_score":0.06277205756644613,"num_words":97,"start":222.57501,"end":259.65},{"sentences":[{"text":"If you go okay.","start":262.11002,"end":278.465,"sentiment":"neutral","sentiment_score":0.04943640995770693},{"text":"Have they, like, amended it at all, the amounts that they'll be paying for this financial year?","start":279.77,"end":285.87,"sentiment":"neutral","sentiment_score":0.04045849534518579},{"text":"Twenty six three four three.","start":296.42502,"end":298.605,"sentiment":"neutral","sentiment_score":0.021035138890147208},{"text":"Yep.","start":314.19998,"end":314.69998,"sentiment":"neutral","sentiment_score":0.331291526556015},{"text":"Perfect.","start":316.19998,"end":316.69998,"sentiment":"positive","sentiment_score":0.6762075424194336}],"sentiment":"neutral","sentiment_score":0.07136481514732752,"num_words":28,"start":262.11002,"end":316.69998},{"sentences":[{"text":"Now just for your own information as well, I took out the disability pension because I wasn't sure with all of the capital gains tax issues whether that had actually been closed off due to any assets or means testing.","start":317.095,"end":330.89,"sentiment":"neutral","sentiment_score":0.0690019923262298},{"text":"So there's an additional 10,000 there to add on to the income.","start":331.11002,"end":335.05002,"sentiment":"neutral","sentiment_score":0.14233852550387383},{"text":"But I've basically just based it on the minimum rep minimum pension payments out of the super plus the military pension, and you're still looking pretty well on track there as well.","start":335.27,"end":344.26498,"sentiment":"positive","sentiment_score":0.3698517670854926},{"text":"So I will just amend it in the background for the extra 10,000.","start":344.405,"end":348.665,"sentiment":"neutral","sentiment_score":0.1280820180590336},{"text":"I wasn't sure if they're still paying that to you.","start":349.205,"end":351.285,"sentiment":"neutral","sentiment_score":-0.08155740946531295}],"sentiment":"neutral","sentiment_score":0.16030738958827803,"num_words":107,"start":317.095,"end":351.285},{"sentences":[{"text":"That's all.","start":351.285,"end":352.025,"sentiment":"neutral","sentiment_score":0.06430093385279179},{"text":"Perfect.","start":357.685,"end":358.185,"sentiment":"positive","sentiment_score":0.7586649656295776},{"text":"So that should be pretty easy then.","start":359.06,"end":360.74002,"sentiment":"positive","sentiment_score":0.7028517637934003},{"text":"I'll fix that up in the about you section on pages seven and eight.","start":360.74002,"end":364.28,"sentiment":"neutral","sentiment_score":0.22624913709504263},{"text":"In your assets and liabilities on page eight, I've just included the three accounts for hub 24 and your main residence, the savings that you had in ANZ.","start":364.98,"end":374.50497,"sentiment":"neutral","sentiment_score":0.21239280035453184}],"sentiment":"neutral","sentiment_score":0.2869560674835856,"num_words":52,"start":351.285,"end":374.50497},{"sentences":[{"text":"And I have factored in just a little bit of interest for ANZ as well because, obviously, those are still staying in savings, and the interest sort of factors into the income as well.","start":374.72498,"end":384.50497,"sentiment":"neutral","sentiment_score":0.2663942588602795},{"text":"Do those figures look okay on page eight there under assets and liabilities?","start":394.18,"end":404.35248,"sentiment":"neutral","sentiment_score":0.06418463960289955},{"text":"Perfect.","start":412.34,"end":412.84,"sentiment":"positive","sentiment_score":0.3656768798828125},{"text":"As well as that so on pages nine and 10, we've got the current risk level for the investments, which is that balanced risk level.","start":413.13998,"end":421.31998,"sentiment":"neutral","sentiment_score":0.09638517454266549},{"text":"We weren't changing anything there, but what I have done is for the retirement projections, I've just put in there a conservative estimate.","start":421.86,"end":429.435,"sentiment":"neutral","sentiment_score":0.10237020578073419}],"sentiment":"neutral","sentiment_score":0.15647527179680765,"num_words":96,"start":374.72498,"end":429.435},{"sentences":[{"text":"So even though the balance funds were returning about that 9% mark, I have based the retirement projections on a 5% conservative figure just in case if we did drop it down to something a bit more safe just to show that even if we did that, it would still be on track.","start":429.435,"end":445.81,"sentiment":"positive","sentiment_score":0.3857149866954336},{"text":"So if you go to page 11 there, this is probably the first of the very wording heavy pages that I'll summarize for you, but it should be under a heading strategy recommendations.","start":447.95,"end":458.405,"sentiment":"neutral","sentiment_score":0.12812031828092807},{"text":"So the main thing for yours, Richard, is I just wanted to update some of the investments.","start":461.985,"end":466.405,"sentiment":"positive","sentiment_score":0.463168880518745},{"text":"I've found some options that are a little bit lower fees, a little bit better performing, and that'll just bump things up a little bit.","start":466.61,"end":473.35,"sentiment":"positive","sentiment_score":0.586628086566925},{"text":"Now because you're in a full account based pension, there's no capital gains tax for the super to switch around investments, which is really good.","start":473.41,"end":481.485,"sentiment":"positive","sentiment_score":0.6528244876861572}],"sentiment":"positive","sentiment_score":0.41523562172074724,"num_words":153,"start":429.435,"end":481.485},{"sentences":[{"text":"So that's essentially what that page is saying, just showing that we we factored in all of these changes into the retirement projections as well.","start":481.805,"end":489.585,"sentiment":"positive","sentiment_score":0.5498603200912475},{"text":"And what I basically put in there is at the end of all the recommendations, which is, again, closing the investment, the 300,000 going into Mercia's fund, and the military pension, I've just included those minimum pension payments out of the super and how that kind of compares to your retirement goal.","start":490.365,"end":511.215,"sentiment":"positive","sentiment_score":0.3532174894442925},{"text":"So I think it's about 4,356 per fortnight all up.","start":512.075,"end":517.055,"sentiment":"neutral","sentiment_score":0.19755368828773498},{"text":"And then if you add on the 10,000 for the disability pension, a fortnight out of 4,000 that you need.","start":517.115,"end":531.63,"sentiment":"neutral","sentiment_score":0.1730084724724293},{"text":"Cool.","start":532.73,"end":533.23,"sentiment":"neutral","sentiment_score":0.32741570472717285}],"sentiment":"positive","sentiment_score":0.3507124026892362,"num_words":108,"start":481.805,"end":533.23},{"sentences":[{"text":"Now a very interesting thing, if you keep going down, h twelve's got advantages and disadvantages in terms of lower fees, maintaining the risk level, and so on.","start":533.77,"end":544.375,"sentiment":"neutral","sentiment_score":-0.0644572437075632},{"text":"Again, just a flag that the stock market will kind of do what it does.","start":545.47504,"end":549.09,"sentiment":"neutral","sentiment_score":-0.059778954833745956},{"text":"We can't control the weather, but I'm just trying to pick the most quality investments I could.","start":549.25,"end":553.59,"sentiment":"neutral","sentiment_score":0.07770985408740885},{"text":"And when you get through to that section, if you could please just pop through to page 14 for me, there's a bit of an investment options table.","start":553.97003,"end":562.535,"sentiment":"neutral","sentiment_score":0.07253640669763886},{"text":"Quite a lot of figures in red on there.","start":562.755,"end":564.695,"sentiment":"neutral","sentiment_score":-0.01917876261803839}],"sentiment":"neutral","sentiment_score":0.004927741207624066,"num_words":97,"start":533.77,"end":564.695},{"sentences":[{"text":"Yep.","start":567.71497,"end":568.035,"sentiment":"neutral","sentiment_score":0.0866546630859375},{"text":"So what I'm basically recommending is an updated portfolio where the first two options there, Benelon and ClearBridge, they haven't been performing as well as the other options.","start":568.035,"end":578.71,"sentiment":"neutral","sentiment_score":0.03937836674906846},{"text":"So I'm just getting them switched out.","start":578.71,"end":580.65,"sentiment":"neutral","sentiment_score":0.005869947906051364},{"text":"That is some Australian shares.","start":580.87,"end":582.97003,"sentiment":"neutral","sentiment_score":0.09893156439065934},{"text":"The beta shares high interest cash account's getting bumped up tiny bit just to kind of rebalance everything.","start":583.83,"end":590.55505,"sentiment":"neutral","sentiment_score":0.09201815186275376}],"sentiment":"neutral","sentiment_score":0.05731056140483183,"num_words":59,"start":567.71497,"end":590.55505},{"sentences":[{"text":"A bit of battery tech going.","start":590.895,"end":593.515,"sentiment":"neutral","sentiment_score":0.07432661081353824},{"text":"Gold's just being minimized a little bit because it has been quite volatile, and we just wanna keep that as a steady 10%, which is kind of the model portfolio that we built for you.","start":594.05505,"end":602.89996,"sentiment":"neutral","sentiment_score":0.2338214906198638},{"text":"But the main difference is just the bottom few rows.","start":603.04,"end":606.98,"sentiment":"neutral","sentiment_score":0.1086613267660141},{"text":"So the the core amounts in your bonds portfolio is gonna be there for 25%.","start":607.44,"end":614.24,"sentiment":"neutral","sentiment_score":0.1640901948014895},{"text":"That's the safer side.","start":614.24,"end":615.54,"sentiment":"neutral","sentiment_score":0.28920692205429077}],"sentiment":"neutral","sentiment_score":0.19049293877823012,"num_words":70,"start":590.895,"end":615.54},{"sentences":[{"text":"The American shares are gonna be there at 22%.","start":616.065,"end":618.78503,"sentiment":"neutral","sentiment_score":0.309342407517963},{"text":"That's pretty standard.","start":618.78503,"end":619.92505,"sentiment":"positive","sentiment_score":0.5191740194956461},{"text":"And then on the next page is the two new options that I'm I'm mixing in.","start":620.78503,"end":625.765,"sentiment":"neutral","sentiment_score":0.17669940739870071},{"text":"So you should see a Vanguard option and a BetaShares Australia 200.","start":626.305,"end":630.72,"sentiment":"neutral","sentiment_score":0.16580973751842976},{"text":"That's essentially like a a low fee passive replacement of those previous options I mentioned, and that's probably the the major change.","start":630.95996,"end":639.86,"sentiment":"neutral","sentiment_score":0.13701148703694344}],"sentiment":"neutral","sentiment_score":0.19633490015422145,"num_words":62,"start":616.065,"end":639.86},{"sentences":[{"text":"Now what that kind of does to your super, if you go to page 16, we've got the nice colorful pie chart for the asset allocation there.","start":642.72,"end":651.545,"sentiment":"neutral","sentiment_score":0.1526388743961299},{"text":"So again, for balance, you generally float between 60 to 70% in growth assets.","start":653.125,"end":658.17,"sentiment":"neutral","sentiment_score":0.1712949424982071},{"text":"By making these changes, it kind of gets you to float around 64%, whereas you're currently sitting at 62 and a half.","start":659.13,"end":665.45,"sentiment":"neutral","sentiment_score":0.1440667896108194},{"text":"There is a little bit of cash in your fund that kinda needs to be invested, but that's just it kind of fluctuates with all the dividends that you just received from end of financial year, so those will be invested pretty soon as well.","start":665.45,"end":679.59503,"sentiment":"neutral","sentiment_score":0.08886990919709206},{"text":"Okay?","start":681.175,"end":681.675,"sentiment":"neutral","sentiment_score":0.07387842237949371}],"sentiment":"neutral","sentiment_score":0.1262557111133676,"num_words":109,"start":642.72,"end":681.675},{"sentences":[{"text":"So risk level won't change.","start":681.97504,"end":683.09503,"sentiment":"neutral","sentiment_score":-0.1901495039463043},{"text":"If you look at the next page, we've got the fee comparison there.","start":683.09503,"end":686.155,"sentiment":"neutral","sentiment_score":-0.016859903358496152},{"text":"And there's just a couple of things I wanted to note as well.","start":686.85504,"end":689.52,"sentiment":"neutral","sentiment_score":0.07642546439400086},{"text":"So on the right hand side, you can see a difference section, and the investment fees drop more than 50% with the new options.","start":689.76,"end":700.74,"sentiment":"neutral","sentiment_score":0.029862415433550876},{"text":"So the investment fees based they're they're percentage based, but on your balance, they go from 3,600 to 1,555.","start":701.2,"end":709.66504,"sentiment":"neutral","sentiment_score":0.05879756543589266}],"sentiment":"neutral","sentiment_score":0.022398060640773258,"num_words":74,"start":681.97504,"end":709.66504},{"sentences":[{"text":"At the same time, the five year returns for the updates bring your portfolio from about 8% to 9%.","start":711.48505,"end":718.17004,"sentiment":"positive","sentiment_score":0.40383969796331304},{"text":"So, again, a little bit of a bump up on returns, a huge reduction in fees, and those two should translate pretty well going forward.","start":718.31006,"end":725.69,"sentiment":"positive","sentiment_score":0.6377578687667846},{"text":"If you go down now I do apologize for the amount of figures in these tables here, but on '18, we've got a bit of an updated projection here.","start":728.15,"end":735.645,"sentiment":"neutral","sentiment_score":-0.0025567944193708486},{"text":"Now if you continue to get a 9% return, the balance will go up compared to what you're drawing down, which is at 5% based on age.","start":738.825,"end":747.75,"sentiment":"neutral","sentiment_score":0.17577114742663172},{"text":"The drawdown calculator there below, that just shows you the balance going down over time if you were in a conservative portfolio and how long the funds would last.","start":749.57,"end":759.195,"sentiment":"neutral","sentiment_score":0.06525943813652828}],"sentiment":"neutral","sentiment_score":0.23396200487433477,"num_words":129,"start":711.48505,"end":759.195},{"sentences":[{"text":"So, obviously, if you keep getting a balanced return, the funds will grow above what you're pulling out.","start":759.355,"end":764.255,"sentiment":"neutral","sentiment_score":0.14135017742713293},{"text":"If we dropped it right down to the lowest risk level, they would start to go down.","start":764.315,"end":768.815,"sentiment":"neutral","sentiment_score":-0.0359697105253444},{"text":"But by the end of age a 100, you'd still have a couple 100,000 left over.","start":769.435,"end":777.27,"sentiment":"neutral","sentiment_score":0.0706752510741353},{"text":"So, again, not trying to sort of overpromise and under deliver, but I just like to have that conservative projection there as a bit of an alternative for you to consider as well.","start":777.27,"end":786.33,"sentiment":"neutral","sentiment_score":0.10636565021493218},{"text":"Super because, obviously, you're at 5% now.","start":798.795,"end":801.95,"sentiment":"positive","sentiment_score":0.45713422128132414}],"sentiment":"neutral","sentiment_score":0.10740250701105201,"num_words":91,"start":759.355,"end":801.95},{"sentences":[{"text":"When you hit 75, it'll bump up to six percent.","start":801.95,"end":804.69,"sentiment":"neutral","sentiment_score":0.331339955329895},{"text":"And Mercia's still got a couple of years at the 4%.","start":805.14996,"end":807.81,"sentiment":"neutral","sentiment_score":0.25883542678572913},{"text":"Cool.","start":809.79,"end":810.29,"sentiment":"positive","sentiment_score":0.4112780690193176},{"text":"From there, we go down to the sell down of the investment and the pension refresh.","start":811.31,"end":815.55,"sentiment":"neutral","sentiment_score":0.1414176025427878},{"text":"But do you have any questions on your portfolio at the moment?","start":815.55,"end":818.605,"sentiment":"neutral","sentiment_score":0.0714511185263594}],"sentiment":"neutral","sentiment_score":0.19383924759924412,"num_words":50,"start":801.95,"end":818.605},{"sentences":[{"text":"Cool.","start":829.225,"end":829.725,"sentiment":"neutral","sentiment_score":0.14777854084968567},{"text":"Alright.","start":830.02496,"end":830.34,"sentiment":"neutral","sentiment_score":0.01301091443747282},{"text":"Perfect.","start":835.86005,"end":836.36005,"sentiment":"positive","sentiment_score":0.49563127756118774},{"text":"Yeah.","start":836.5,"end":836.9,"sentiment":"neutral","sentiment_score":0.3213779330253601},{"text":"That's right.","start":836.9,"end":837.72003,"sentiment":"neutral","sentiment_score":0.30263250321149826}],"sentiment":"neutral","sentiment_score":0.26384394538278383,"num_words":6,"start":829.225,"end":837.72003},{"sentences":[{"text":"Cool.","start":838.82,"end":839.32,"sentiment":"positive","sentiment_score":0.4971756935119629},{"text":"And I have factored that in in the drawdown as well, just stepping it up over time.","start":840.42004,"end":844.485,"sentiment":"neutral","sentiment_score":0.15803300720803878},{"text":"The page 21, so we've got the sell down of the IDPS.","start":845.445,"end":848.02496,"sentiment":"neutral","sentiment_score":0.04541018993283311},{"text":"Now please take this with a grain of salt, but we did a Hub twenty four has an automatic capital gains tax calculation where they basically say for the total account sell down, it's looking at 7,000 based on a maximum tax rate of 47%.","start":848.325,"end":865.3,"sentiment":"neutral","sentiment_score":0.06496087378925747},{"text":"But, again, with you guys, you're, again, splitting it between the both of you, and your income level's not that high, so you're not gonna be paying the full the full rate.","start":866.16,"end":875.975,"sentiment":"neutral","sentiment_score":0.026640186872100458}],"sentiment":"neutral","sentiment_score":0.07013443360435907,"num_words":107,"start":838.82,"end":875.975},{"sentences":[{"text":"So that's kind of a bit of a maximum estimate there for you.","start":875.975,"end":879.27496,"sentiment":"neutral","sentiment_score":0.06520229062208763},{"text":"Cool.","start":881.175,"end":881.675,"sentiment":"neutral","sentiment_score":0.2952924072742462},{"text":"So once that gets closed down, if you go to pages 23, I'm not sure if you're used to how a pension refresh works within super.","start":882.21497,"end":891.6,"sentiment":"neutral","sentiment_score":0.06868592047920594},{"text":"So all we're basically doing is that once the the IDPS gets sold down, we're essentially opening a super account to receive those contributions of the 300,000.","start":895.18,"end":905.775,"sentiment":"neutral","sentiment_score":0.0785787940301277},{"text":"We roll back the pension into there as well so it pulls into one figure and then move that entire amount back into the pension.","start":906.235,"end":913.59,"sentiment":"neutral","sentiment_score":0.12019173234701157}],"sentiment":"neutral","sentiment_score":0.08755627027510302,"num_words":92,"start":875.975,"end":913.59},{"sentences":[{"text":"Otherwise, you're gonna have two pension accounts running side by side with different payments, different dates, different calculations.","start":916.07,"end":921.05005,"sentiment":"neutral","sentiment_score":0.12248738689555062},{"text":"So Hub twenty four has got a really cool tool where we can just kind of open an account, move it back and forth, and then you're back in the new space.","start":921.59,"end":933.535,"sentiment":"neutral","sentiment_score":0.28327095229178667},{"text":"K?","start":934.795,"end":935.115,"sentiment":"neutral","sentiment_score":0.07718068361282349},{"text":"Exactly.","start":935.115,"end":935.595,"sentiment":"neutral","sentiment_score":0.16885213553905487},{"text":"And with the 300,000 again, because that's going in nonconcessionally, it's post tax dollars, goes into the tax free portion.","start":935.595,"end":943.23004,"sentiment":"neutral","sentiment_score":0.19067367017269135}],"sentiment":"neutral","sentiment_score":0.21290207861198318,"num_words":72,"start":916.07,"end":943.23004},{"sentences":[{"text":"So for any estate planning, there won't be any taxes on on passing that over as well.","start":943.29004,"end":948.03,"sentiment":"neutral","sentiment_score":0.2692934432450463},{"text":"And, of course, it's gonna boost up the super.","start":948.25,"end":950.51,"sentiment":"neutral","sentiment_score":0.27733272148503196},{"text":"If we go to page 25, it kind of outlines those steps in the pension refresh for you.","start":951.77,"end":958.11505,"sentiment":"neutral","sentiment_score":0.11213406920433044},{"text":"And I've just listed that under Merci's heading.","start":958.17505,"end":960.99506,"sentiment":"neutral","sentiment_score":0.18925701640546322},{"text":"And, again, I've just said anything outside of the 300,000 will be kept in cash for any expenses and taxes to be paid, and then that should go in.","start":964.655,"end":974.33997,"sentiment":"positive","sentiment_score":0.34356026865285016}],"sentiment":"neutral","sentiment_score":0.25394691600475783,"num_words":81,"start":943.29004,"end":974.33997},{"sentences":[{"text":"I've kind of repeated the retirement outcome on page 26 for the best interest duty, which is essentially just all of those income amounts added together compared against the goal just because I'm kind of advising both of you guys.","start":976.16,"end":989.65497,"sentiment":"positive","sentiment_score":0.4686461888253689},{"text":"So I've just repeated that same information.","start":989.875,"end":992.055,"sentiment":"positive","sentiment_score":0.4378395250865391},{"text":"And in addition to that, I've recommended the same portfolio for Mercia just so that you guys are in similar investments so you don't have to worry about too many differences between the two accounts.","start":994.755,"end":1006.33,"sentiment":"positive","sentiment_score":0.43464803738253455},{"text":"And, again, same thing.","start":1009.27,"end":1010.685,"sentiment":"positive","sentiment_score":0.425987608730793},{"text":"The underperforming funds are getting removed.","start":1010.685,"end":1012.78503,"sentiment":"neutral","sentiment_score":-0.1804289643963178}],"sentiment":"positive","sentiment_score":0.40918241506037506,"num_words":92,"start":976.16,"end":1012.78503},{"sentences":[{"text":"There's a rebalance of the remaining options, and there's an inclusion of a couple of lower fee options there as well.","start":1012.92505,"end":1018.705,"sentiment":"neutral","sentiment_score":0.31016071140766144},{"text":"And then, again, the same tables are repeated for her.","start":1019.085,"end":1022.54504,"sentiment":"neutral","sentiment_score":0.2527338698506355},{"text":"Asset allocation on page 32, 64 same as yours.","start":1022.84503,"end":1027.3201,"sentiment":"neutral","sentiment_score":0.18056961562898424},{"text":"The returns and fee differences there as well.","start":1028.58,"end":1031.3201,"sentiment":"neutral","sentiment_score":0.21995123475790024},{"text":"But, Richard, if you could go down to page 33 for me, I just wanted to walk you through a bit of a change on the advice services.","start":1032.26,"end":1039.365,"sentiment":"neutral","sentiment_score":0.14985230591680324}],"sentiment":"neutral","sentiment_score":0.21870150819028678,"num_words":76,"start":1012.92505,"end":1039.365},{"sentences":[{"text":"You should see a fee comparison table there as well.","start":1039.825,"end":1042.6449,"sentiment":"neutral","sentiment_score":0.10679074898362159},{"text":"Yep.","start":1045.1849,"end":1045.6849,"sentiment":"neutral","sentiment_score":0.1210607886314392},{"text":"Now the current agreement that you guys are under, there's a split of fixed fees between the three accounts.","start":1046.7849,"end":1053.09,"sentiment":"neutral","sentiment_score":0.08632447472528408},{"text":"So, essentially, Mersha's is on 4,950.","start":1053.47,"end":1057.65,"sentiment":"neutral","sentiment_score":0.12391729404528935},{"text":"Yours is about the 7,000 mark, and then there's a portion going out of the investment account.","start":1058.27,"end":1062.85,"sentiment":"neutral","sentiment_score":0.11472306794979993}],"sentiment":"neutral","sentiment_score":0.10420621165408278,"num_words":53,"start":1039.825,"end":1062.85},{"sentences":[{"text":"I just wanted to let you know that the agreement, the fixed term agreement for those three accounts, that doesn't expire until September.","start":1063.3099,"end":1070.335,"sentiment":"neutral","sentiment_score":0.19006740917330203},{"text":"So once the investment account closes, those fees will cease, and you guys will remain on the remainder of the fixed fees up until the end of September.","start":1071.835,"end":1082.22,"sentiment":"neutral","sentiment_score":0.13679373344140394},{"text":"And I was sort of thinking about how to balance that with the two accounts going forward.","start":1083.08,"end":1088.22,"sentiment":"neutral","sentiment_score":0.08787012407008339},{"text":"What we're essentially offering post September is a bit of a a couple's fee discount for you guys.","start":1089.48,"end":1096.145,"sentiment":"neutral","sentiment_score":0.18915646854374144},{"text":"So instead of you paying $9.09 out of the two accounts and Mercia paying 5, it'll just be $6.06 between the both of you each, and that'll probably drop the advice fees by about 1,600 per year.","start":1096.925,"end":1111.01,"sentiment":"neutral","sentiment_score":0.17181281866254033}],"sentiment":"neutral","sentiment_score":0.1581907136653497,"num_words":123,"start":1063.3099,"end":1111.01},{"sentences":[{"text":"But I have not included any updated service agreements with this document.","start":1111.31,"end":1116.85,"sentiment":"neutral","sentiment_score":-0.004694836214184761},{"text":"It's just a flag that once your fixed term agreement ends in September, I would like to get you on the lower fee agreement with OPU.","start":1117.165,"end":1124.705,"sentiment":"neutral","sentiment_score":0.1493783544462461},{"text":"Post that point, Sevi and Bart are working on a bit of a a tiered fee structure as well.","start":1128.125,"end":1132.5,"sentiment":"neutral","sentiment_score":0.14301208053764544},{"text":"So most clients above 200,000 next year will start to get some discounts as well, just a reduction of percentages.","start":1132.74,"end":1140.12,"sentiment":"neutral","sentiment_score":0.20789236724376678},{"text":"So I've factored in that new low fee couples discount just for the projections purpose.","start":1140.66,"end":1147.905,"sentiment":"neutral","sentiment_score":0.18976202209790546}],"sentiment":"neutral","sentiment_score":0.14727180856077568,"num_words":92,"start":1111.31,"end":1147.905},{"sentences":[{"text":"But, again, your fixed agreement still runs for another couple of months, so I'm just leaving that until that ends.","start":1148.4651,"end":1155.045,"sentiment":"neutral","sentiment_score":0.0370676314458251},{"text":"K?","start":1159.425,"end":1159.925,"sentiment":"neutral","sentiment_score":0.05826830118894577},{"text":"Now once we get through September, are you okay for the team to send out the updated agreement to you guys?","start":1160.0651,"end":1165.99,"sentiment":"neutral","sentiment_score":0.07937634133157276},{"text":"Cool.","start":1170.29,"end":1170.61,"sentiment":"positive","sentiment_score":0.4115194678306579},{"text":"And, basically, when that goes through, just have a read through, make sure you're comfortable with it.","start":1170.61,"end":1175.51,"sentiment":"neutral","sentiment_score":0.25340748797444734}],"sentiment":"neutral","sentiment_score":0.11976618102441232,"num_words":60,"start":1148.4651,"end":1175.51},{"sentences":[{"text":"I'll try and get them to include what the previous fixed fee agreement was compared to the new one just so you can compare the two.","start":1175.57,"end":1182.135,"sentiment":"neutral","sentiment_score":0.3190063369961885},{"text":"Make sure you you still feel there's value for money there.","start":1182.195,"end":1185.155,"sentiment":"positive","sentiment_score":0.4954525503245267},{"text":"And if you have any questions before signing, just give us a buzz.","start":1185.155,"end":1188.295,"sentiment":"neutral","sentiment_score":0.24134149345067832},{"text":"Perfect.","start":1191.075,"end":1191.5549,"sentiment":"positive","sentiment_score":0.605779767036438},{"text":"Ends the projection calculators here as well.","start":1191.5549,"end":1195.87,"sentiment":"positive","sentiment_score":0.4199091025761196}],"sentiment":"positive","sentiment_score":0.3521849261275653,"num_words":58,"start":1175.57,"end":1195.87},{"sentences":[{"text":"Again, with Marsha adding 300,000 to her account, the projections look quite quite large on page 34 for her.","start":1196.7301,"end":1204.185,"sentiment":"neutral","sentiment_score":0.3089034416173634},{"text":"But the main one I wanted to show you is if you keep going down a bit further, we've got some estate planning and wills after that.","start":1209.305,"end":1220.9501,"sentiment":"neutral","sentiment_score":-0.05488926351622299},{"text":"Power of attorney.","start":1223.17,"end":1224.2301,"sentiment":"neutral","sentiment_score":-0.05103720476229986},{"text":"I wasn't sure whether you guys had updated to have your power of attorney in place for each other if you were in hospital or something like that.","start":1225.01,"end":1234.945,"sentiment":"neutral","sentiment_score":-0.13317267623330867},{"text":"Yeah.","start":1238.9249,"end":1239.405,"sentiment":"neutral","sentiment_score":0.039691247045993805}],"sentiment":"neutral","sentiment_score":0.006985897102799171,"num_words":78,"start":1196.7301,"end":1239.405},{"sentences":[{"text":"Cool.","start":1239.405,"end":1239.725,"sentiment":"neutral","sentiment_score":0.005307717714458704},{"text":"So it's just a bit of a reminder that, you know, if you go to update the wills, maybe just ask about the power of attorney as well just in case.","start":1239.725,"end":1246.63,"sentiment":"neutral","sentiment_score":0.09036137860628866},{"text":"I know it's pretty common these days for the the spouse to be included pretty quickly with doctors and the like, but it's probably the most surefire way of avoiding any probate or any issues there as well.","start":1246.63,"end":1262.1151,"sentiment":"neutral","sentiment_score":0.13320712000131607},{"text":"And, again, so just with the drawdowns, I've included the defense pension, 5% interest from the ANZ accounts, and the minimum drawdowns from the super.","start":1262.175,"end":1275.11,"sentiment":"neutral","sentiment_score":0.09358271971344947},{"text":"Cool.","start":1275.11,"end":1275.61,"sentiment":"positive","sentiment_score":0.3800067901611328}],"sentiment":"neutral","sentiment_score":0.11029120622454987,"num_words":96,"start":1239.405,"end":1275.61},{"sentences":[{"text":"Services at the back, some steps for implementation at the back as well on pages forty seven and forty eight, which is essentially the steps that we'll be undertaking, and you're pretty used to it as well.","start":1277.11,"end":1288.805,"sentiment":"neutral","sentiment_score":0.23699445217042356},{"text":"So once that investment account gets sold down, the money will come out to the bank.","start":1288.805,"end":1293.625,"sentiment":"neutral","sentiment_score":0.17165361531078815},{"text":"If you guys can make that contribution into Mercia's super account once we open it, then we will do the pension refresh.","start":1294.0851,"end":1301.1499,"sentiment":"neutral","sentiment_score":0.2648933428254994},{"text":"So, basically, I will get Jack to open up that super account to hold those contributions.","start":1301.37,"end":1306.75,"sentiment":"neutral","sentiment_score":0.2288449127227068},{"text":"Yeah.","start":1325.88,"end":1326.2,"sentiment":"neutral","sentiment_score":0.0584401860833168}],"sentiment":"neutral","sentiment_score":0.22894418377267278,"num_words":92,"start":1277.11,"end":1326.2},{"sentences":[{"text":"There's a couple of ways to do it.","start":1326.2,"end":1328.52,"sentiment":"neutral","sentiment_score":0.0653274841606617},{"text":"Either you guys can contribute it via BPAY or EFT, which can sometimes have some issues with the banks when it comes to large amounts.","start":1328.52,"end":1336.735,"sentiment":"neutral","sentiment_score":0.04941469490528107},{"text":"We can attempt to debit it as well through the applications.","start":1337.595,"end":1341.135,"sentiment":"neutral","sentiment_score":0.11068151146173477},{"text":"As long as you're comfortable with that, we can attempt to do a debit out of the account as well.","start":1342.475,"end":1346.97,"sentiment":"neutral","sentiment_score":0.10204793177545071},{"text":"Yeah.","start":1368.985,"end":1369.485,"sentiment":"neutral","sentiment_score":0.01486489549279213}],"sentiment":"neutral","sentiment_score":0.07740472927689553,"num_words":65,"start":1326.2,"end":1369.485},{"sentences":[{"text":"I will try and use, to make it a bit easier.","start":1370.105,"end":1373.59,"sentiment":"neutral","sentiment_score":0.12531255862929605},{"text":"I'll see if Hub twenty four's account tool that we use for the pension refresh, whether that will allow the investment account to be moved internally to save that.","start":1373.59,"end":1383.29,"sentiment":"neutral","sentiment_score":0.15685805395759386},{"text":"It's just something that I need to we haven't done an investment to superint pension before.","start":1383.99,"end":1385.2966,"sentiment":"neutral","sentiment_score":-0.026410266989842057},{"text":"It's a triple account movement.","start":1385.2966,"end":1385.35,"sentiment":"neutral","sentiment_score":0.00918591171503067},{"text":"So I Hub twenty four technical team and check that.","start":1385.35,"end":1394.345,"sentiment":"neutral","sentiment_score":0.07069767527282238}],"sentiment":"neutral","sentiment_score":0.0881361091430758,"num_words":71,"start":1370.105,"end":1394.345},{"sentences":[{"text":"But if that's the way that we can do it, I'll make sure that's the way it happens.","start":1394.345,"end":1398.125,"sentiment":"neutral","sentiment_score":0.09774968131548828},{"text":"And if not, I'll get Jack to let you know if we have to do a withdrawal and recontribution.","start":1398.505,"end":1403.4401,"sentiment":"neutral","sentiment_score":0.035410345286915175},{"text":"Is that okay?","start":1406.14,"end":1407.04,"sentiment":"neutral","sentiment_score":0.13763626168171564},{"text":"Perfect.","start":1409.02,"end":1409.52,"sentiment":"positive","sentiment_score":0.5443276166915894},{"text":"They've probably got the market leading account switching tool.","start":1410.2201,"end":1413.66,"sentiment":"neutral","sentiment_score":0.16277428716421127}],"sentiment":"neutral","sentiment_score":0.0970899162068963,"num_words":50,"start":1394.345,"end":1413.66},{"sentences":[{"text":"So if they can't do it, no one can, But I'll investigate that straight away.","start":1413.66,"end":1419.085,"sentiment":"neutral","sentiment_score":-0.07617900421222051},{"text":"And that's what I was thinking too is because if we did a account switch from the investment into the super, the way to do it then so the full $34,350,000 would move into from account to account.","start":1427.785,"end":1443.3501,"sentiment":"neutral","sentiment_score":0.027968243156608782},{"text":"We would then have to do, like, a withdrawal for the remaining balance.","start":1443.81,"end":1458.93,"sentiment":"neutral","sentiment_score":-0.023041525282538854},{"text":"And if that doesn't work, we will do an account closure followed by a contribution.","start":1461.01,"end":1466.9501,"sentiment":"neutral","sentiment_score":-0.007189735770225525},{"text":"Awesome.","start":1472.515,"end":1472.675,"sentiment":"positive","sentiment_score":0.4499639868736267}],"sentiment":"neutral","sentiment_score":-0.0004550451412796974,"num_words":82,"start":1413.66,"end":1472.675},{"sentences":[{"text":"Any questions for me so far, Richard?","start":1472.675,"end":1474.455,"sentiment":"neutral","sentiment_score":0.18225435061114176},{"text":"Cool.","start":1478.595,"end":1479.095,"sentiment":"positive","sentiment_score":0.3898853659629822},{"text":"Now because I haven't spoken to Moshe today, I have included, obviously, for both of you guys to sign off on this.","start":1479.155,"end":1485.15,"sentiment":"neutral","sentiment_score":0.19088276814330707},{"text":"And if you wouldn't mind just kind of walking her through it and just letting me know if there's any questions before signing, and I'll just put those implementation options as a note for the team to flag with Hub twenty four.","start":1485.63,"end":1499.485,"sentiment":"neutral","sentiment_score":0.18504233871187484},{"text":"Yeah.","start":1509.145,"end":1509.465,"sentiment":"neutral","sentiment_score":0.10423217713832857}],"sentiment":"neutral","sentiment_score":0.18823420715658631,"num_words":73,"start":1472.675,"end":1509.465},{"sentences":[{"text":"So the way Odoo works is it'll pretty much because you can scroll through the documents, when you do click to start, it'll kind of bring you to the signature spots to put the signature date and name on there.","start":1509.465,"end":1521.68,"sentiment":"neutral","sentiment_score":0.12629638342186808},{"text":"It'll stamp them.","start":1521.98,"end":1523.28,"sentiment":"neutral","sentiment_score":0.10084268202384312},{"text":"You can click on it to draw it if you would like to try and match it to your ID, but the stamp is okay for us.","start":1524.4601,"end":1530.775,"sentiment":"neutral","sentiment_score":0.12410921217114837},{"text":"And then what basically happens is once you've finished that, there's a button that should say next document to allow you to skip through the other three documents.","start":1531.475,"end":1539.415,"sentiment":"neutral","sentiment_score":0.09510053108845438},{"text":"Yes.","start":1554.4401,"end":1554.9401,"sentiment":"neutral","sentiment_score":0.12558774650096893}],"sentiment":"neutral","sentiment_score":0.11609833059136314,"num_words":99,"start":1509.465,"end":1554.9401},{"sentences":[{"text":"That can be used as well.","start":1556.52,"end":1558.035,"sentiment":"neutral","sentiment_score":0.19289819647868475},{"text":"Though.","start":1558.115,"end":1558.615,"sentiment":"neutral","sentiment_score":0.03074171580374241},{"text":"Yeah.","start":1559.555,"end":1559.9551,"sentiment":"neutral","sentiment_score":0.08599650859832764},{"text":"So when you get to that signature box, what will happen is it'll stamp your name as a signature on the box, but then if you actually click on it, it'll give you the option to either draw a signature or upload an image.","start":1559.9551,"end":1572.72,"sentiment":"neutral","sentiment_score":0.16367290524596517},{"text":"So that should work pretty well.","start":1578.1599,"end":1579.94,"sentiment":"positive","sentiment_score":0.556041345000267}],"sentiment":"neutral","sentiment_score":0.20365488455341807,"num_words":58,"start":1556.52,"end":1579.94},{"sentences":[{"text":"It's pretty similar to DocuSign.","start":1580.72,"end":1582.26,"sentiment":"neutral","sentiment_score":0.3229255318641663},{"text":"Easy done.","start":1590.395,"end":1591.275,"sentiment":"positive","sentiment_score":0.43317893147468567},{"text":"And Yes, sir.","start":1591.275,"end":1593.375,"sentiment":"neutral","sentiment_score":0.1100332463781039},{"text":"Yep.","start":1606.7301,"end":1607.2301,"sentiment":"neutral","sentiment_score":-0.00802096351981163},{"text":"Yeah.","start":1633.14,"end":1633.64,"sentiment":"neutral","sentiment_score":-0.12483826279640198}],"sentiment":"neutral","sentiment_score":0.22318550292402506,"num_words":12,"start":1580.72,"end":1633.64},{"sentences":[{"text":"I think yeah.","start":1636.66,"end":1642.905,"sentiment":"neutral","sentiment_score":-0.1354504202802976},{"text":"Yeah.","start":1657.385,"end":1657.77,"sentiment":"neutral","sentiment_score":-0.03617902845144272},{"text":"Oh, that's a bit strange.","start":1669.6901,"end":1682.625,"sentiment":"negative","sentiment_score":-0.38124358654022217},{"text":"It's strange that they wouldn't preload it in there for you, and to add an entire ring income in would be a bit strange.","start":1683.005,"end":1689.52,"sentiment":"negative","sentiment_score":-0.5150914266705513},{"text":"Do you know if there's ever usually any delays with the military in getting that information in there?","start":1691.58,"end":1697.6,"sentiment":"neutral","sentiment_score":-0.27792324953609043}],"sentiment":"negative","sentiment_score":-0.3865404108575746,"num_words":51,"start":1636.66,"end":1697.6},{"sentences":[{"text":"Yeah.","start":1709.755,"end":1710.255,"sentiment":"neutral","sentiment_score":-0.08706575632095337},{"text":"That's a bit strange.","start":1718.15,"end":1719.45,"sentiment":"negative","sentiment_score":-0.4503100924193859},{"text":"And the other thing too to just consider is anything you need to input from the investment account, we can generate reports and things like that, but it may be worth yeah.","start":1721.19,"end":1737.3151,"sentiment":"neutral","sentiment_score":0.0007614275091327727},{"text":"I mean, sometimes there's any dividends or distributions that are received into the account need to be included as well.","start":1737.3151,"end":1746.35,"sentiment":"neutral","sentiment_score":0.07982348874211312},{"text":"So even if you're not selling the investments and getting a a capital gains tax event, you know, dividends from shares and things like that can still be included.","start":1747.45,"end":1755.63,"sentiment":"neutral","sentiment_score":0.09779888108886521}],"sentiment":"neutral","sentiment_score":0.029868568380384944,"num_words":86,"start":1709.755,"end":1755.63},{"sentences":[{"text":"So if it's helpful, what I would suggest is is one, just contact the the lovely tax office who have very short waiting times just to ask about the military pension.","start":1756.115,"end":1766.375,"sentiment":"neutral","sentiment_score":0.22189849422823998},{"text":"But I will get some reports generated from Hub twenty four about the investment account because everything that goes from those reports into a tax return has codes, and the codes match the the software.","start":1767.235,"end":1780.99,"sentiment":"neutral","sentiment_score":0.1700917307819639},{"text":"Now once that's closed, next year will be very, very simple.","start":1783.13,"end":1786.375,"sentiment":"neutral","sentiment_score":0.19326105984774503},{"text":"But, again, I believe some distributions would need to be included.","start":1786.675,"end":1790.295,"sentiment":"neutral","sentiment_score":0.0007184921679171649},{"text":"Yep.","start":1800.77,"end":1801.27,"sentiment":"neutral","sentiment_score":0.01802472025156021}],"sentiment":"neutral","sentiment_score":0.16835801899851707,"num_words":89,"start":1756.115,"end":1801.27},{"sentences":[{"text":"Yeah.","start":1807.09,"end":1807.59,"sentiment":"neutral","sentiment_score":-0.041478872299194336},{"text":"They're a bit slow.","start":1808.05,"end":1812.7151,"sentiment":"neutral","sentiment_score":-0.28013771399855614},{"text":"I'm just jumping on.","start":1813.735,"end":1815.1951,"sentiment":"neutral","sentiment_score":-0.2497500218451023},{"text":"No.","start":1818.535,"end":1819.035,"sentiment":"neutral","sentiment_score":-0.10426324605941772},{"text":"Cool.","start":1823.655,"end":1824.06,"sentiment":"neutral","sentiment_score":0.1698346734046936}],"sentiment":"neutral","sentiment_score":-0.19049621712077747,"num_words":11,"start":1807.09,"end":1824.06},{"sentences":[{"text":"Richard, I'm gonna get these reports.","start":1824.78,"end":1826.78,"sentiment":"neutral","sentiment_score":0.10522476956248283},{"text":"It's gonna look a little bit intimidating when I send through these hub reports for the investment account just because they're they're quite large, but there's some summaries in there that should be easier for the return.","start":1826.78,"end":1839.435,"sentiment":"neutral","sentiment_score":0.05528534500784165},{"text":"So I'm sorry.","start":1839.975,"end":1840.855,"sentiment":"neutral","sentiment_score":-0.07477592428525288},{"text":"I don't know the answer for the military pension, why that's not included, or how to add it, but I'll get you everything that you need when it comes to the investment account.","start":1840.855,"end":1851.1951,"sentiment":"neutral","sentiment_score":0.056840320653987655},{"text":"Fantastic.","start":1853.8151,"end":1854.27,"sentiment":"positive","sentiment_score":0.7900115251541138}],"sentiment":"neutral","sentiment_score":0.06397900895681233,"num_words":80,"start":1824.78,"end":1854.27},{"sentences":[{"text":"Any questions at all, mate, just give us a buzz back.","start":1854.51,"end":1856.77,"sentiment":"neutral","sentiment_score":0.326633215426806},{"text":"But we will be reaching out once we flag exactly how to implement the account switching, and I'll get Jack to let you know what Hub twenty four says.","start":1857.47,"end":1866.77,"sentiment":"neutral","sentiment_score":0.114596008997539},{"text":"Amazing.","start":1869.79,"end":1870.215,"sentiment":"positive","sentiment_score":0.4620015621185303},{"text":"I just wanna make sure, a, that she understands what we're doing and any questions as well.","start":1874.375,"end":1881.4349,"sentiment":"neutral","sentiment_score":0.08834438771009445},{"text":"Yeah.","start":1881.815,"end":1882.315,"sentiment":"neutral","sentiment_score":0.11300783604383469}],"sentiment":"neutral","sentiment_score":0.15242565457385537,"num_words":59,"start":1854.51,"end":1882.315},{"sentences":[{"text":"Cool.","start":1885.44,"end":1885.94,"sentiment":"positive","sentiment_score":0.664749264717102},{"text":"Awesome, Richard.","start":1887.6799,"end":1888.3999,"sentiment":"positive","sentiment_score":0.8247506618499756},{"text":"Thank you so much for your time as always, sir.","start":1888.3999,"end":1890.5,"sentiment":"positive","sentiment_score":0.8436172902584076},{"text":"And keep an eye out for my email and then a call from Jack once he's doing the implementation.","start":1891.2799,"end":1897.205,"sentiment":"positive","sentiment_score":0.3591648042201996},{"text":"Thank you, mate.","start":1900.5449,"end":1901.265,"sentiment":"positive","sentiment_score":0.7030953168869019}],"sentiment":"positive","sentiment_score":0.5623954491955894,"num_words":35,"start":1885.44,"end":1901.265},{"sentences":[{"text":"Have a fantastic day.","start":1901.265,"end":1902.645,"sentiment":"positive","sentiment_score":0.7597284466028214},{"text":"Bye.","start":1904.225,"end":1904.725,"sentiment":"neutral","sentiment_score":-0.1145932748913765}],"sentiment":"positive","sentiment_score":0.5848641023039818,"num_words":5,"start":1901.265,"end":1904.725}]}}]},{"alternatives":[{"transcript":"Hello? I'm good. Thanks. Yep. Not a problem. Mhmm. Not a problem. 01/06/1955. 17 Maria Court, Pacific Pines. Not too badly. Yeah. I should be able to view it while we speak. Mhmm. Yep. Okay. So, yes, I got that email up. Mhmm. Yeah. So I've got the overview statement or advice. Mhmm. Mhmm. Yeah. Yeah. That's mhmm. Okay. Yep. Yep. Mhmm. Yeah. No. No. I haven't looked into that yet as yet. Yep. Yeah. Yeah. I I actually I've just received the the other day, the email. Input statement from them, my income statement from them. So 26,343 was my DRIVV income, and 10,325 26 3,000 10,326 is my disability pension. Yeah. Yeah. That's continuous. Just yeah. Just setting it all clear. Yeah. That looks it's been right. Is that right? Mhmm. Yep. Yep. Mhmm. Yep. Mhmm. Yep. Mhmm. 14. Yep. Mhmm. Yep. Yep. Mhmm. K. Yep. Mhmm. Okay. Mhmm. Mhmm. Mhmm. Mhmm. Yes. Mhmm. Yep. K. Yep. Mhmm. No. No. I don't need some. It seems okay. So $70.74, I go up to 6%. 75. Sorry. Okay. Yep. I see. Yeah. Yep. Yep. Yep. Yep. No. It's not. Not really. Mhmm. Okay. Yeah. Well, that's sort of sort of what we were intending. Yep. Mhmm. Fair enough. Page is 33. 33. Yep. Got it. Mhmm. Mhmm. Mhmm. Mhmm. Fair enough. Mhmm. Yes. Yep. Mhmm. Yes. Don't think so. Mhmm. Yep. Yep. So the month it's open, we we have to deposit the the 300,000. Is that what you're saying? Well, yeah. Yeah. I think they lost. Sort of thinking that it would just roll over from the investment into the the new pension account. Yeah. Yeah. Okay. Yep. Alright. Okay. And then the balance will just go into a joint savings account? Okay. Yeah. Yeah. Yep. Mhmm. Fair enough. Not I think that's covered it. Okay. So I hit this click to start to start the signature. Yeah. What I've what I've done previously with electronic signing, I've I've got a an image of my signature. So I just copy and paste. Yep. Mhmm. Okay. I'll I'll get on to that. Just as a just as a I don't know if you would know, But I was thinking I've got to do my tax return, obviously, this year. And this I've only got my superannuation and I've got my superannuation for my DFIDB my DFIDB and a bit of interest from the bank. So I don't want to be bothered paying paying hundreds of dollars to bloody tax. Bloody. So but I've I've gone through like, you could do it in my gut? And I go through there, and they've already loaded the the interest from the bank. They've loaded the disability pension that's already in there. But the DFRDB, the 26,343, that hasn't shown up pre preloaded, and I can't see where to to add it in. Well, I wouldn't think so because the pension is already in there. The disability pension part of it is already loaded. Why the the pension the VFRDP pension isn't? Well, that won't that won't happen until next financial year, I'm assuming. Yeah. Yeah. Well, the yeah. And that was another thing. Right? If I go into the superannuation part of myGov, it's it's all last year's data. Nothing's been updated in in my go for it. So I guess there's no no real rush for that this year. Okay. Yep. Okeydoke. Yes. Okay. So you don't need to talk to us about any of this stuff. I just I just get her to just yeah. Yeah. Yeah. Get her to sign it. Okay. All very good. Thank you. Yep. Thank you. You too. 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I'm good. Thanks. Yep. Not a problem.\n\nMhmm. Not a problem. 01/06/1955. 17 Maria Court, Pacific Pines. Not too badly.\n\nYeah. I should be able to view it while we speak. Mhmm. Yep. Okay.\n\nSo, yes, I got that email up. Mhmm. Yeah. So I've got the overview statement or advice. Mhmm.\n\nMhmm. Yeah. Yeah. That's mhmm. Okay.\n\nYep. Yep. Mhmm. Yeah. No.\n\nNo. I haven't looked into that yet as yet. Yep. Yeah. Yeah.\n\nI I actually I've just received the the other day, the email. Input statement from them, my income statement from them. So 26,343 was my DRIVV income, and 10,325 26 3,000 10,326 is my disability pension. Yeah. Yeah.\n\nThat's continuous. Just yeah. Just setting it all clear. Yeah. That looks it's been right.\n\nIs that right? Mhmm. Yep. Yep. Mhmm.\n\nYep. Mhmm. Yep. Mhmm. 14.\n\nYep. Mhmm. Yep. Yep. Mhmm.\n\nK. Yep. Mhmm. Okay. Mhmm.\n\nMhmm. Mhmm. Mhmm. Yes. Mhmm.\n\nYep. K. Yep. Mhmm. No.\n\nNo. I don't need some. It seems okay. So $70.74, I go up to 6%. 75.\n\nSorry. Okay. Yep. I see. Yeah.\n\nYep. Yep. Yep. Yep. No.\n\nIt's not. Not really. Mhmm. Okay. Yeah.\n\nWell, that's sort of sort of what we were intending. Yep. Mhmm. Fair enough. Page is 33.\n\n33. Yep. Got it. Mhmm. Mhmm.\n\nMhmm. Mhmm. Fair enough. Mhmm. Yes.\n\nYep. Mhmm. Yes. Don't think so. Mhmm.\n\nYep. Yep. So the month it's open, we we have to deposit the the 300,000. Is that what you're saying? Well, yeah.\n\nYeah. I think they lost. Sort of thinking that it would just roll over from the investment into the the new pension account. Yeah. Yeah.\n\nOkay. Yep. Alright. Okay. And then the balance will just go into a joint savings account?\n\nOkay. Yeah. Yeah. Yep. Mhmm.\n\nFair enough. Not I think that's covered it. Okay. So I hit this click to start to start the signature. Yeah.\n\nWhat I've what I've done previously with electronic signing, I've I've got a an image of my signature. So I just copy and paste. Yep. Mhmm. Okay.\n\nI'll I'll get on to that. Just as a just as a I don't know if you would know, But I was thinking I've got to do my tax return, obviously, this year. And this I've only got my superannuation and I've got my superannuation for my DFIDB my DFIDB and a bit of interest from the bank. So I don't want to be bothered paying paying hundreds of dollars to bloody tax. Bloody.\n\nSo but I've I've gone through like, you could do it in my gut? And I go through there, and they've already loaded the the interest from the bank. They've loaded the disability pension that's already in there. But the DFRDB, the 26,343, that hasn't shown up pre preloaded, and I can't see where to to add it in. Well, I wouldn't think so because the pension is already in there.\n\nThe disability pension part of it is already loaded. Why the the pension the VFRDP pension isn't? Well, that won't that won't happen until next financial year, I'm assuming. Yeah. Yeah.\n\nWell, the yeah. And that was another thing. Right? If I go into the superannuation part of myGov, it's it's all last year's data. Nothing's been updated in in my go for it.\n\nSo I guess there's no no real rush for that this year. Okay. Yep. Okeydoke. Yes.\n\nOkay. So you don't need to talk to us about any of this stuff. I just I just get her to just yeah. Yeah. Yeah.\n\nGet her to sign it. Okay. All very good. Thank you. Yep.\n\nThank you. You too. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.16,"end":0.65999997,"sentiment":"neutral","sentiment_score":0.048779040575027466},{"text":"I'm good.","start":5.6,"end":6.16,"sentiment":"positive","sentiment_score":0.6096602082252502},{"text":"Thanks.","start":6.16,"end":6.66,"sentiment":"positive","sentiment_score":0.7064681053161621},{"text":"Yep.","start":15.045,"end":15.365001,"sentiment":"neutral","sentiment_score":0.10309557616710664},{"text":"Not a problem.","start":15.365001,"end":16.105,"sentiment":"neutral","sentiment_score":0.18253747125466666}],"sentiment":"neutral","sentiment_score":0.3281594440340996,"num_words":8,"start":0.16,"end":16.105},{"sentences":[{"text":"Mhmm.","start":21.285,"end":21.785,"sentiment":"neutral","sentiment_score":0.050283826887607574},{"text":"Not a 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mhmm.","start":203.4,"end":206.94,"sentiment":"neutral","sentiment_score":0.06013694405555725},{"text":"Okay.","start":212.155,"end":212.655,"sentiment":"neutral","sentiment_score":0.0029983213171362877}],"sentiment":"neutral","sentiment_score":0.06002080673351884,"num_words":6,"start":167.47,"end":212.655},{"sentences":[{"text":"Yep.","start":212.875,"end":213.375,"sentiment":"neutral","sentiment_score":-0.0006899908185005188},{"text":"Yep.","start":214.955,"end":215.455,"sentiment":"neutral","sentiment_score":-0.007352437824010849},{"text":"Mhmm.","start":223.42001,"end":223.92001,"sentiment":"neutral","sentiment_score":-0.007718337699770927},{"text":"Yeah.","start":235.74,"end":236.24,"sentiment":"neutral","sentiment_score":-0.06737492978572845},{"text":"No.","start":236.3,"end":236.54001,"sentiment":"neutral","sentiment_score":-0.166878342628479}],"sentiment":"neutral","sentiment_score":-0.05000280775129795,"num_words":5,"start":212.875,"end":236.54001},{"sentences":[{"text":"No.","start":236.54001,"end":237.04001,"sentiment":"neutral","sentiment_score":-0.19460904598236084},{"text":"I haven't looked into that yet as yet.","start":238.905,"end":241.405,"sentiment":"neutral","sentiment_score":-0.23652721010148525},{"text":"Yep.","start":256.02002,"end":256.52002,"sentiment":"neutral","sentiment_score":0.08763377368450165},{"text":"Yeah.","start":260.5,"end":261.0,"sentiment":"neutral","sentiment_score":0.08177687227725983},{"text":"Yeah.","start":261.86002,"end":262.26,"sentiment":"neutral","sentiment_score":0.06838114559650421}],"sentiment":"neutral","sentiment_score":-0.1540862446029981,"num_words":12,"start":236.54001,"end":262.26},{"sentences":[{"text":"I I actually I've just received the the other day, the email.","start":262.26,"end":268.76,"sentiment":"neutral","sentiment_score":0.050146461852515735},{"text":"Input statement from them, my income statement from them.","start":273.755,"end":277.77502,"sentiment":"neutral","sentiment_score":0.0012213507046302159},{"text":"So 26,343 was my DRIVV income, and 10,325 26 3,000 10,326 is my disability pension.","start":290.99,"end":313.4,"sentiment":"neutral","sentiment_score":0.05294396666189035},{"text":"Yeah.","start":352.84998,"end":353.09,"sentiment":"neutral","sentiment_score":0.17584112286567688},{"text":"Yeah.","start":353.09,"end":353.33,"sentiment":"neutral","sentiment_score":0.24169853329658508}],"sentiment":"neutral","sentiment_score":0.04801181196480205,"num_words":38,"start":262.26,"end":353.33},{"sentences":[{"text":"That's continuous.","start":353.33,"end":356.625,"sentiment":"positive","sentiment_score":0.3855482041835785},{"text":"Just yeah.","start":398.74002,"end":399.54,"sentiment":"neutral","sentiment_score":0.03781212121248245},{"text":"Just setting it all clear.","start":399.54,"end":402.36002,"sentiment":"neutral","sentiment_score":0.030019230395555496},{"text":"Yeah.","start":405.54,"end":405.78,"sentiment":"neutral","sentiment_score":0.09488257765769958},{"text":"That looks it's been 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right?","start":407.62,"end":408.6,"sentiment":"neutral","sentiment_score":0.11394186317920685},{"text":"Mhmm.","start":408.615,"end":409.115,"sentiment":"neutral","sentiment_score":0.057688355445861816},{"text":"Yep.","start":415.7775,"end":416.2775,"sentiment":"neutral","sentiment_score":0.13668425381183624},{"text":"Yep.","start":446.575,"end":447.075,"sentiment":"neutral","sentiment_score":0.30047452449798584},{"text":"Mhmm.","start":447.375,"end":447.875,"sentiment":"neutral","sentiment_score":0.20103536546230316}],"sentiment":"neutral","sentiment_score":0.1482440126793725,"num_words":7,"start":407.62,"end":447.875},{"sentences":[{"text":"Yep.","start":460.87,"end":461.37,"sentiment":"neutral","sentiment_score":0.28770244121551514},{"text":"Mhmm.","start":511.87997,"end":512.38,"sentiment":"neutral","sentiment_score":0.13142159581184387},{"text":"Yep.","start":527.825,"end":528.325,"sentiment":"neutral","sentiment_score":0.23018023371696472},{"text":"Mhmm.","start":531.185,"end":531.685,"sentiment":"neutral","sentiment_score":0.1563366949558258},{"text":"14.","start":566.22,"end":566.72,"sentiment":"neutral","sentiment_score":0.03806191682815552}],"sentiment":"neutral","sentiment_score":0.16874057650566102,"num_words":5,"start":460.87,"end":566.72},{"sentences":[{"text":"Yep.","start":566.77997,"end":567.27997,"sentiment":"neutral","sentiment_score":0.0784338042140007},{"text":"Mhmm.","start":581.375,"end":581.875,"sentiment":"neutral","sentiment_score":0.08991147577762604},{"text":"Yep.","start":603.405,"end":603.905,"sentiment":"neutral","sentiment_score":0.12437987327575684},{"text":"Yep.","start":629.185,"end":629.685,"sentiment":"neutral","sentiment_score":0.12281983345746994},{"text":"Mhmm.","start":631.265,"end":631.765,"sentiment":"neutral","sentiment_score":0.1347995400428772}],"sentiment":"neutral","sentiment_score":0.11006890535354615,"num_words":5,"start":566.77997,"end":631.765},{"sentences":[{"text":"K.","start":641.3,"end":641.8,"sentiment":"neutral","sentiment_score":0.06695503741502762},{"text":"Yep.","start":652.1,"end":652.6,"sentiment":"neutral","sentiment_score":0.21619337797164917},{"text":"Mhmm.","start":665.82,"end":666.32,"sentiment":"neutral","sentiment_score":0.03315017744898796},{"text":"Okay.","start":673.8075,"end":674.3075,"sentiment":"neutral","sentiment_score":0.0963706150650978},{"text":"Mhmm.","start":681.95496,"end":682.45496,"sentiment":"neutral","sentiment_score":-0.026640526950359344}],"sentiment":"neutral","sentiment_score":0.07720573619008064,"num_words":5,"start":641.3,"end":682.45496},{"sentences":[{"text":"Mhmm.","start":704.7,"end":705.2,"sentiment":"neutral","sentiment_score":0.05545613169670105},{"text":"Mhmm.","start":710.30005,"end":710.80005,"sentiment":"neutral","sentiment_score":0.1476166546344757},{"text":"Mhmm.","start":726.515,"end":726.84,"sentiment":"neutral","sentiment_score":0.12148954719305038},{"text":"Yes.","start":737.88,"end":738.38,"sentiment":"neutral","sentiment_score":0.13782285153865814},{"text":"Mhmm.","start":768.315,"end":768.815,"sentiment":"neutral","sentiment_score":0.049950361251831055}],"sentiment":"neutral","sentiment_score":0.10246710926294327,"num_words":5,"start":704.7,"end":768.815},{"sentences":[{"text":"Yep.","start":774.5325,"end":775.0325,"sentiment":"neutral","sentiment_score":0.046665217727422714},{"text":"K.","start":789.63,"end":790.03,"sentiment":"neutral","sentiment_score":0.1485634446144104},{"text":"Yep.","start":790.03,"end":790.53,"sentiment":"neutral","sentiment_score":0.2695150375366211},{"text":"Mhmm.","start":821.35,"end":821.85,"sentiment":"neutral","sentiment_score":-0.03560899198055267},{"text":"No.","start":821.91,"end":822.15,"sentiment":"neutral","sentiment_score":-0.2542702555656433}],"sentiment":"neutral","sentiment_score":0.03497289046645165,"num_words":5,"start":774.5325,"end":822.15},{"sentences":[{"text":"No.","start":822.15,"end":822.27,"sentiment":"negative","sentiment_score":-0.37982743978500366},{"text":"I don't need some.","start":822.27,"end":823.335,"sentiment":"negative","sentiment_score":-0.38198401033878326},{"text":"It seems okay.","start":823.895,"end":829.995,"sentiment":"neutral","sentiment_score":0.05862353493769964},{"text":"So $70.74, I go up to 6%.","start":830.85504,"end":834.395,"sentiment":"neutral","sentiment_score":0.07092948204704694},{"text":"75.","start":834.53503,"end":835.35,"sentiment":"neutral","sentiment_score":0.06460984796285629}],"sentiment":"neutral","sentiment_score":-0.07317354087717831,"num_words":16,"start":822.15,"end":835.35},{"sentences":[{"text":"Sorry.","start":835.43,"end":835.93,"sentiment":"neutral","sentiment_score":0.22078360617160797},{"text":"Okay.","start":836.94995,"end":837.43,"sentiment":"neutral","sentiment_score":0.274673730134964},{"text":"Yep.","start":837.43,"end":837.93,"sentiment":"neutral","sentiment_score":0.2464371770620346},{"text":"I 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so.","start":1237.2899,"end":1238.235,"sentiment":"neutral","sentiment_score":-0.17748863995075226},{"text":"Mhmm.","start":1248.875,"end":1249.375,"sentiment":"neutral","sentiment_score":0.07623449712991714}],"sentiment":"neutral","sentiment_score":0.0022722892463207245,"num_words":7,"start":1189.235,"end":1249.375},{"sentences":[{"text":"Yep.","start":1260.15,"end":1260.65,"sentiment":"neutral","sentiment_score":0.1173715591430664},{"text":"Yep.","start":1273.235,"end":1273.735,"sentiment":"neutral","sentiment_score":0.03574342280626297},{"text":"So the month it's open, we we have to deposit the the 300,000.","start":1312.87,"end":1324.9651,"sentiment":"neutral","sentiment_score":0.12958563405733842},{"text":"Is that what you're saying?","start":1325.5851,"end":1326.725,"sentiment":"neutral","sentiment_score":0.05205260887742043},{"text":"Well, yeah.","start":1352.365,"end":1353.105,"sentiment":"neutral","sentiment_score":-0.010560201480984688}],"sentiment":"neutral","sentiment_score":0.09440322118726643,"num_words":22,"start":1260.15,"end":1353.105},{"sentences":[{"text":"Yeah.","start":1353.725,"end":1354.125,"sentiment":"neutral","sentiment_score":-0.06441165506839752},{"text":"I think they lost.","start":1354.125,"end":1355.265,"sentiment":"neutral","sentiment_score":-0.26283932104706764},{"text":"Sort of thinking that it would just roll over from the investment into the the new pension account.","start":1359.56,"end":1369.18,"sentiment":"neutral","sentiment_score":-0.21748687368300226},{"text":"Yeah.","start":1404.885,"end":1405.365,"sentiment":"neutral","sentiment_score":0.06637082248926163},{"text":"Yeah.","start":1405.365,"end":1405.6051,"sentiment":"neutral","sentiment_score":0.07585301250219345}],"sentiment":"neutral","sentiment_score":-0.19553235322237014,"num_words":25,"start":1353.725,"end":1405.6051},{"sentences":[{"text":"Okay.","start":1405.6051,"end":1406.1051,"sentiment":"neutral","sentiment_score":0.09646160900592804},{"text":"Yep.","start":1407.365,"end":1407.865,"sentiment":"neutral","sentiment_score":0.2632352113723755},{"text":"Alright.","start":1418.37,"end":1418.87,"sentiment":"neutral","sentiment_score":-0.08098775893449783},{"text":"Okay.","start":1421.4099,"end":1421.8899,"sentiment":"neutral","sentiment_score":0.01198758278042078},{"text":"And then the balance will just go into a joint savings account?","start":1421.8899,"end":1426.3099,"sentiment":"neutral","sentiment_score":-0.0015750740033884842}],"sentiment":"neutral","sentiment_score":0.01698723476147279,"num_words":16,"start":1405.6051,"end":1426.3099},{"sentences":[{"text":"Okay.","start":1448.59,"end":1448.99,"sentiment":"neutral","sentiment_score":0.0004133442416787147},{"text":"Yeah.","start":1448.99,"end":1449.23,"sentiment":"neutral","sentiment_score":0.021798506379127502},{"text":"Yeah.","start":1449.23,"end":1449.5499,"sentiment":"neutral","sentiment_score":0.044372618198394775},{"text":"Yep.","start":1449.5499,"end":1450.0499,"sentiment":"neutral","sentiment_score":0.06971895694732666},{"text":"Mhmm.","start":1465.345,"end":1465.845,"sentiment":"neutral","sentiment_score":0.02840801142156124}],"sentiment":"neutral","sentiment_score":0.032942287437617776,"num_words":5,"start":1448.59,"end":1465.845},{"sentences":[{"text":"Fair enough.","start":1469.345,"end":1470.165,"sentiment":"neutral","sentiment_score":0.222110815346241},{"text":"Not I think that's covered it.","start":1475.31,"end":1477.89,"sentiment":"neutral","sentiment_score":-0.048076387184361614},{"text":"Okay.","start":1499.4751,"end":1499.9751,"sentiment":"neutral","sentiment_score":0.0894370973110199},{"text":"So I hit this click to start to start the signature.","start":1500.435,"end":1508.04,"sentiment":"neutral","sentiment_score":0.060403629460118034},{"text":"Yeah.","start":1540.06,"end":1540.56,"sentiment":"neutral","sentiment_score":0.012311073020100594}],"sentiment":"neutral","sentiment_score":0.04390244771327291,"num_words":21,"start":1469.345,"end":1540.56},{"sentences":[{"text":"What I've what I've done previously with electronic signing, I've I've got a an image of my signature.","start":1540.7001,"end":1552.725,"sentiment":"neutral","sentiment_score":0.07376903440389368},{"text":"So I just copy and paste.","start":1556.145,"end":1558.62,"sentiment":"neutral","sentiment_score":0.08143511166175206},{"text":"Yep.","start":1583.045,"end":1583.545,"sentiment":"neutral","sentiment_score":0.11847244203090668},{"text":"Mhmm.","start":1583.8,"end":1584.3,"sentiment":"neutral","sentiment_score":0.054180774837732315},{"text":"Okay.","start":1585.96,"end":1586.46,"sentiment":"neutral","sentiment_score":0.11821481585502625}],"sentiment":"neutral","sentiment_score":0.0780489378505283,"num_words":27,"start":1540.7001,"end":1586.46},{"sentences":[{"text":"I'll I'll get on to that.","start":1586.76,"end":1588.54,"sentiment":"neutral","sentiment_score":0.23503744105497995},{"text":"Just as a just as a I don't know if you would know, But I was thinking I've got to do my tax return, obviously, this year.","start":1591.0,"end":1605.755,"sentiment":"neutral","sentiment_score":-0.05251497182029265},{"text":"And this I've only got my superannuation and I've got my superannuation for my DFIDB my DFIDB and a bit of interest from the bank.","start":1608.455,"end":1622.49,"sentiment":"neutral","sentiment_score":-0.07105146676301956},{"text":"So I don't want to be bothered paying paying hundreds of dollars to bloody tax.","start":1623.165,"end":1630.4651,"sentiment":"negative","sentiment_score":-0.4855156660079956},{"text":"Bloody.","start":1633.7251,"end":1634.2251,"sentiment":"neutral","sentiment_score":-0.2759556174278259}],"sentiment":"neutral","sentiment_score":-0.12625211985731447,"num_words":74,"start":1586.76,"end":1634.2251},{"sentences":[{"text":"So but I've I've gone through like, you could do it in my gut?","start":1636.5399,"end":1641.84,"sentiment":"neutral","sentiment_score":-0.20187216145651682},{"text":"And I go through there, and they've already loaded the the interest from the bank.","start":1643.74,"end":1648.3999,"sentiment":"neutral","sentiment_score":-0.05027314772208532},{"text":"They've loaded the disability pension that's already in there.","start":1650.895,"end":1658.915,"sentiment":"neutral","sentiment_score":-0.04016079091363483},{"text":"But the DFRDB, the 26,343, that hasn't shown up pre preloaded, and I can't see where to to add it in.","start":1659.855,"end":1676.31,"sentiment":"neutral","sentiment_score":-0.2245335809531666},{"text":"Well, I wouldn't think so because the pension is already in there.","start":1699.14,"end":1706.12,"sentiment":"neutral","sentiment_score":-0.25199395790696144}],"sentiment":"neutral","sentiment_score":-0.16451953928655302,"num_words":71,"start":1636.5399,"end":1706.12},{"sentences":[{"text":"The disability pension part of it is already loaded.","start":1706.5,"end":1710.7749,"sentiment":"neutral","sentiment_score":-0.12608212149805492},{"text":"Why the the pension the VFRDP pension isn't?","start":1712.7549,"end":1717.2549,"sentiment":"negative","sentiment_score":-0.3813166655600071},{"text":"Well, that won't that won't happen until next financial year, I'm assuming.","start":1732.16,"end":1735.86,"sentiment":"neutral","sentiment_score":-0.15420937382926544},{"text":"Yeah.","start":1776.25,"end":1776.75,"sentiment":"neutral","sentiment_score":0.1134541928768158},{"text":"Yeah.","start":1792.125,"end":1792.365,"sentiment":"neutral","sentiment_score":0.03485731780529022}],"sentiment":"neutral","sentiment_score":-0.18991849655585905,"num_words":31,"start":1706.5,"end":1792.365},{"sentences":[{"text":"Well, the yeah.","start":1792.365,"end":1793.505,"sentiment":"neutral","sentiment_score":0.02206425617138545},{"text":"And that was another thing.","start":1793.805,"end":1795.185,"sentiment":"neutral","sentiment_score":0.009673542901873588},{"text":"Right?","start":1796.365,"end":1796.605,"sentiment":"neutral","sentiment_score":0.014386012218892574},{"text":"If I go into the superannuation part of myGov, it's it's all last year's data.","start":1796.605,"end":1804.465,"sentiment":"neutral","sentiment_score":0.008405280051132042},{"text":"Nothing's been updated in in my go for it.","start":1804.685,"end":1813.0599,"sentiment":"neutral","sentiment_score":-0.16066381117949882}],"sentiment":"neutral","sentiment_score":-0.03608935165473006,"num_words":33,"start":1792.365,"end":1813.0599},{"sentences":[{"text":"So I guess there's no no real rush for that this year.","start":1813.36,"end":1817.86,"sentiment":"neutral","sentiment_score":-0.2662905591229598},{"text":"Okay.","start":1821.265,"end":1821.765,"sentiment":"neutral","sentiment_score":0.036923687905073166},{"text":"Yep.","start":1834.63,"end":1835.13,"sentiment":"neutral","sentiment_score":0.06261618435382843},{"text":"Okeydoke.","start":1851.785,"end":1852.285,"sentiment":"positive","sentiment_score":0.507100522518158},{"text":"Yes.","start":1867.76,"end":1868.0,"sentiment":"neutral","sentiment_score":0.13046303391456604}],"sentiment":"neutral","sentiment_score":-0.15364895504899323,"num_words":16,"start":1813.36,"end":1868.0},{"sentences":[{"text":"Okay.","start":1868.0,"end":1868.5,"sentiment":"neutral","sentiment_score":0.15930543839931488},{"text":"So you don't need to talk to us about any of this stuff.","start":1869.2001,"end":1875.04,"sentiment":"neutral","sentiment_score":0.13868424812188515},{"text":"I just I just get her to just yeah.","start":1875.04,"end":1878.9551,"sentiment":"neutral","sentiment_score":0.10963845998048782},{"text":"Yeah.","start":1878.9551,"end":1879.4551,"sentiment":"neutral","sentiment_score":0.061377692967653275},{"text":"Yeah.","start":1879.8351,"end":1880.0751,"sentiment":"neutral","sentiment_score":0.044807471334934235}],"sentiment":"neutral","sentiment_score":0.12220527872443199,"num_words":25,"start":1868.0,"end":1880.0751},{"sentences":[{"text":"Get her to sign it.","start":1880.0751,"end":1881.4551,"sentiment":"neutral","sentiment_score":0.06394504830241203},{"text":"Okay.","start":1882.9551,"end":1883.4551,"sentiment":"neutral","sentiment_score":0.2441670298576355},{"text":"All very good.","start":1886.0751,"end":1887.135,"sentiment":"positive","sentiment_score":0.7959436376889547},{"text":"Thank you.","start":1891.02,"end":1891.76,"sentiment":"positive","sentiment_score":0.7439070045948029},{"text":"Yep.","start":1898.14,"end":1898.64,"sentiment":"neutral","sentiment_score":0.321233868598938}],"sentiment":"positive","sentiment_score":0.39673092185209197,"num_words":12,"start":1880.0751,"end":1898.64},{"sentences":[{"text":"Thank you.","start":1900.6749,"end":1901.4149,"sentiment":"positive","sentiment_score":0.7573234140872955},{"text":"You too.","start":1902.7549,"end":1903.2349,"sentiment":"positive","sentiment_score":0.5568844676017761},{"text":"Bye.","start":1903.2349,"end":1903.7349,"sentiment":"positive","sentiment_score":0.3476443886756897}],"sentiment":"positive","sentiment_score":0.5952120304107666,"num_words":5,"start":1900.6749,"end":1903.7349}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good morning, Richard. Tommy here from Oakview. How are you doing?\n\nChannel 1: I'm good. Thanks.\n\nChannel 0: Good to hear. Good to hear. I've got your updated advice strategy ready to send through to you. Do you have a few minutes for me\n\nChannel 1: Yep. Not a problem.\n\nChannel 0: today? Perfect. Perfect. So I'm gonna pop that through to both email addresses.\n\nChannel 1: Mhmm.\n\nChannel 0: And just while I'm doing that, do you mind if I go through a quick security check with you?\n\nChannel 1: Not a problem.\n\nChannel 0: Amazing. Can I just confirm date of birth and address for me,\n\nChannel 1: 01/06/1955.\n\nChannel 0: sir? Perfect.\n\nChannel 1: 17 Maria Court, Pacific Pines.\n\nChannel 0: Amazing. Thank you for that, Richard. How's your morning going, sir?\n\nChannel 1: Not too badly.\n\nChannel 0: Not too bad. Dealing with the cold. Okay?\n\nChannel 1: Yeah.\n\nChannel 0: Gotta keep the heater going. Will you have access to the emails to look onto the document with me today, or should I just kind of\n\nChannel 1: I should be able to view it while\n\nChannel 0: walk\n\nChannel 1: we speak.\n\nChannel 0: you through what's there? Yep. That'd be great. I'll give you a moment there. It should come through.\n\nUsual with our new system, Odoo, that we built for ourselves, it should come up as a signature request, Odoo Financial statement of advice. If this is the first time you've received an Odoo email, it may go to your spam folder, but most of the time, it goes pretty pretty instantly to the main box.\n\nChannel 1: Mhmm.\n\nChannel 0: And what I've kind of sent through just while you're grabbing that up, so there's a statement of advice, a bit of an appendix with some additional research, and just some updated financial services guides for Oakview because we have updated, you know, privacy policy and licensing information.\n\nChannel 1: Yep. Okay. So, yes, I got that email up.\n\nChannel 0: Yep. So if you hit the purple button on there, it should bring up the documents to peruse with me. There is again four on there, but the main one is just the statement of advice with the Gold Coast beachfront city picture on it. And just let me know when you can see that there, sir.\n\nChannel 1: Mhmm. Yeah. So I've got the overview statement or advice.\n\nChannel 0: Yep. Perfect. So if you just have a scroll down to the fourth page for me, it just goes through the updated scope of advice for this document.\n\nChannel 1: Mhmm.\n\nChannel 0: And under that blue heading, again, the main thing is we're just trying to simplify the financial structure by closing down the investment account, boosting up the super, and then just making things a little bit simpler for you guys. Again, avoiding having to constantly worry about capital gains tax all the time.\n\nChannel 1: Mhmm.\n\nChannel 0: And I have compared everything against that retirement goal of the 2,000 per week just to show how the income is looking for you guys. I have included as well a bit of an update to the portfolios like I mentioned. The other two areas on the next page is basically just talking about the investment account being closed down, retaining the cash outside of the 300,000, and just for estate planning. I know you mentioned you were looking to maybe update the wills at some point as\n\nChannel 1: Yeah. Yeah. That's mhmm.\n\nChannel 0: well. Cool. In the page after that\n\nChannel 1: Okay.\n\nChannel 0: on\n\nChannel 1: Yep.\n\nChannel 0: five,\n\nChannel 1: Yep.\n\nChannel 0: these are the areas that we're not giving advice on. So I'm not obviously giving you recommendations on the military pension or settling at this stage. It's mainly just\n\nChannel 1: Mhmm.\n\nChannel 0: focusing around being that self funded through the super. Did you manage to get in contact with the DVA about your idea of options for cashing it out yet, or is that still sort of on the cards?\n\nChannel 1: Yeah. No. No. I haven't looked into that yet as yet.\n\nChannel 0: Cool. So for this document, I've just included that pension in the income calculations just as a bit of an estimate. I know I think you were saying at the end of financial year, you probably hit around 25,000 for the military\n\nChannel 1: Yep.\n\nChannel 0: pension, so I've just factored that in as a bit of a conservative estimate.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: If you\n\nChannel 1: I\n\nChannel 0: go\n\nChannel 1: I actually I've just received the the other day, the email. Input statement from them, my income statement from them.\n\nChannel 0: okay. Have they, like, amended it at all, the amounts that they'll be paying for this financial year?\n\nChannel 1: So 26,343\n\nChannel 0: Twenty\n\nChannel 1: was\n\nChannel 0: six\n\nChannel 1: my\n\nChannel 0: three four three.\n\nChannel 1: DRIVV income, and 10,325 26 3,000 10,326 is my disability pension.\n\nChannel 0: Yep. Perfect. Now just for your own information as well, I took out the disability pension because I wasn't sure with all of the capital gains tax issues whether that had actually been closed off due to any assets or means testing. So there's an additional 10,000 there to add on to the income. But I've basically just based it on the minimum rep minimum pension payments out of the super plus the military pension, and you're still looking pretty well on track there as well.\n\nSo I will just amend it in the background for the extra 10,000. I wasn't sure if they're still paying that to you. That's all.\n\nChannel 1: Yeah. Yeah. That's continuous.\n\nChannel 0: Perfect. So that should be pretty easy then. I'll fix that up in the about you section on pages seven and eight. In your assets and liabilities on page eight, I've just included the three accounts for hub 24 and your main residence, the savings that you had in ANZ. And I have factored in just a little bit of interest for ANZ as well because, obviously, those are still staying in savings, and the interest sort of factors into the income as well.\n\nDo those figures look okay on page eight there under assets and\n\nChannel 1: Just yeah. Just setting it all clear.\n\nChannel 0: liabilities?\n\nChannel 1: Yeah. That looks it's been right. Is that right? Mhmm.\n\nChannel 0: Perfect. As well as that so on pages nine and\n\nChannel 1: Yep.\n\nChannel 0: 10, we've got the current risk level for the investments, which is that balanced risk level. We weren't changing anything there, but what I have done is for the retirement projections, I've just put in there a conservative estimate. So even though the balance funds were returning about that 9% mark, I have based the retirement projections on a 5% conservative figure just in case if we did drop it down to something a bit more safe just to show that even if we did that, it would still be on track.\n\nChannel 1: Yep. Mhmm.\n\nChannel 0: So if you go to page 11 there, this is probably the first of the very wording heavy pages that I'll summarize for you, but it should be under a heading strategy recommendations.\n\nChannel 1: Yep.\n\nChannel 0: So the main thing for yours, Richard, is I just wanted to update some of the investments. I've found some options that are a little bit lower fees, a little bit better performing, and that'll just bump things up a little bit. Now because you're in a full account based pension, there's no capital gains tax for the super to switch around investments, which is really good. So that's essentially what that page is saying, just showing that we we factored in all of these changes into the retirement projections as well. And what I basically put in there is at the end of all the recommendations, which is, again, closing the investment, the 300,000 going into Mercia's fund, and the military pension, I've just included those minimum pension payments out of the super and how that kind of compares to your retirement goal.\n\nChannel 1: Mhmm.\n\nChannel 0: So I think it's about 4,356 per fortnight all up. And then if you add on the 10,000 for the disability pension,\n\nChannel 1: Yep.\n\nChannel 0: a fortnight out of 4,000 that you need.\n\nChannel 1: Mhmm.\n\nChannel 0: Cool. Now a very interesting thing, if you keep going down, h twelve's got advantages and disadvantages in terms of lower fees, maintaining the risk level, and so on. Again, just a flag that the stock market will kind of do what it does. We can't control the weather, but I'm just trying to pick the most quality investments I could. And when you get through to that section, if you could please just pop through to page 14 for me, there's a bit of an investment options table.\n\nQuite a lot of figures in red on there.\n\nChannel 1: 14. Yep.\n\nChannel 0: Yep. So what I'm basically recommending is an updated portfolio where the first two options there, Benelon and ClearBridge, they haven't been performing as well as the other options. So I'm just getting them switched out. That is\n\nChannel 1: Mhmm.\n\nChannel 0: some Australian shares. The beta shares high interest cash account's getting bumped up tiny bit just to kind of rebalance everything. A bit of battery tech going. Gold's just being minimized a little bit because it has been quite volatile, and we just wanna keep that as a steady 10%, which is kind of the model portfolio that we built for you. But the\n\nChannel 1: Yep.\n\nChannel 0: main difference is just the bottom few rows. So the the core amounts in your bonds portfolio is gonna be there for 25%. That's the safer side. The American shares are gonna be there at 22%. That's pretty standard.\n\nAnd then on the next page is the two new options that I'm I'm mixing in. So you should see a Vanguard option and a BetaShares\n\nChannel 1: Yep.\n\nChannel 0: Australia 200. That's\n\nChannel 1: Mhmm.\n\nChannel 0: essentially like a a low fee passive replacement of those previous options I mentioned, and that's probably the the major change.\n\nChannel 1: K.\n\nChannel 0: Now what that kind of does to your super, if you go to page 16, we've got the nice colorful pie chart for the asset allocation there.\n\nChannel 1: Yep.\n\nChannel 0: So again, for balance, you generally float between 60 to 70% in growth assets. By making these changes, it kind of gets you to float around 64%, whereas you're currently sitting at 62 and a half. There is\n\nChannel 1: Mhmm.\n\nChannel 0: a little bit of cash in your fund that kinda needs to be invested, but that's just it kind of fluctuates with\n\nChannel 1: Okay.\n\nChannel 0: all the dividends that you just received from end of financial year, so those will be invested pretty soon as well. Okay?\n\nChannel 1: Mhmm.\n\nChannel 0: So risk level won't change. If you look at the next page, we've got the fee comparison there. And there's just a couple of things I wanted to note as well. So on the right hand side, you can see a difference section, and the investment fees drop more than 50% with the new options. So the investment fees based they're they're percentage based, but on\n\nChannel 1: Mhmm.\n\nChannel 0: your balance, they go from 3,600 to 1,555.\n\nChannel 1: Mhmm.\n\nChannel 0: At the same time, the five year returns for the updates bring your portfolio from about 8% to 9%. So, again, a little bit of a bump up on returns, a huge reduction in fees, and those two should translate pretty well going forward.\n\nChannel 1: Mhmm.\n\nChannel 0: If you go down now I do apologize for the amount of figures in these tables here, but on '18, we've got a bit of an updated projection here.\n\nChannel 1: Yes.\n\nChannel 0: Now if you continue to get a 9% return, the balance will go up compared to what you're drawing down, which is at 5% based on age. The drawdown calculator there below, that just shows you the balance going down over time if you were in a conservative portfolio and how long the funds would last. So, obviously, if you keep getting a balanced return, the funds will grow above what you're pulling out. If we dropped it right down to the lowest risk level, they would start to go\n\nChannel 1: Mhmm.\n\nChannel 0: down. But by the end of age a 100, you'd still have a couple 100,000 left\n\nChannel 1: Yep.\n\nChannel 0: over. So, again, not trying to sort of overpromise and under deliver, but I just like to have that conservative projection there as a bit of an alternative for you to consider as well.\n\nChannel 1: K. Yep.\n\nChannel 0: Super because, obviously, you're at 5% now. When you hit 75, it'll bump up to six percent. And Mercia's still got a couple of years at the 4%. Cool. From there, we go down to the sell down of the investment and the pension refresh.\n\nBut do you have any questions on your portfolio at the moment?\n\nChannel 1: Mhmm. No. No. I don't need some. It seems\n\nChannel 0: Cool.\n\nChannel 1: okay.\n\nChannel 0: Alright.\n\nChannel 1: So $70.74, I go up to 6%. 75. Sorry.\n\nChannel 0: Perfect. Yeah. That's\n\nChannel 1: Okay.\n\nChannel 0: right.\n\nChannel 1: Yep. I see.\n\nChannel 0: Cool. And I have factored that in in the drawdown as well, just stepping\n\nChannel 1: Yeah.\n\nChannel 0: it up over time.\n\nChannel 1: Yep.\n\nChannel 0: The page 21, so we've got the sell down of the IDPS. Now please take this with a grain of salt, but we did a Hub twenty four has an automatic capital gains tax calculation where they basically say for the total account sell down, it's looking at 7,000 based\n\nChannel 1: Yep.\n\nChannel 0: on a maximum tax rate of 47%.\n\nChannel 1: Yep.\n\nChannel 0: But, again, with you guys, you're, again, splitting it between the both of you, and your income level's not that high, so you're not gonna be paying the full the full rate. So that's kind of a bit of a maximum estimate there for you.\n\nChannel 1: Yep.\n\nChannel 0: Cool. So once that gets closed down, if you go to pages 23, I'm not sure if you're used to how a pension refresh works within super.\n\nChannel 1: No. It's not. Not really.\n\nChannel 0: So all we're basically doing is that once the the IDPS gets sold down, we're essentially opening a super account to receive those contributions of the 300,000. We roll back the pension into there as well so it pulls into one figure and then move that entire\n\nChannel 1: Mhmm.\n\nChannel 0: amount back into the pension. Otherwise, you're gonna have two pension accounts running side by side with different payments, different dates, different calculations. So Hub twenty four has got a really cool tool where we can just kind of open an account, move it back and forth, and then you're back in the new\n\nChannel 1: Okay. Yeah. Well, that's sort of sort of what\n\nChannel 0: space.\n\nChannel 1: we were intending.\n\nChannel 0: K? Exactly. And with the 300,000 again, because that's going in nonconcessionally, it's post tax dollars, goes into the tax free portion. So for any estate planning, there won't be any taxes on on passing that over as well. And, of course, it's gonna boost up the super.\n\nIf we go to page 25, it kind of outlines those steps in the pension refresh for you. And I've just listed that under Merci's heading.\n\nChannel 1: Yep.\n\nChannel 0: And, again, I've just said anything outside of the 300,000 will be kept in cash for any expenses and taxes to be paid, and then that should go in. I've kind of repeated the retirement outcome on page 26 for the best interest duty, which is essentially just all of those income amounts added together compared against the goal just because I'm kind of advising both of you guys. So I've just\n\nChannel 1: Mhmm.\n\nChannel 0: repeated that same information. And in addition to that, I've recommended the same portfolio for Mercia just so that you guys are in similar investments so you don't have to worry about too many differences between the two accounts.\n\nChannel 1: Fair\n\nChannel 0: And, again, same thing. The underperforming funds are getting removed. There's a rebalance of the remaining options, and there's an inclusion of a couple of lower fee options there as well.\n\nChannel 1: enough.\n\nChannel 0: And then, again, the same tables are repeated for her. Asset allocation on page 32, 64 same as yours. The returns and fee differences there as well. But, Richard, if you could go down to page 33 for me, I just wanted to walk you through a bit of a change on the advice services. You should see a fee comparison table there as well.\n\nChannel 1: Page is 33. 33.\n\nChannel 0: Yep.\n\nChannel 1: Yep. Got it.\n\nChannel 0: Now the current agreement that you guys are under, there's a split of fixed fees between the three accounts. So,\n\nChannel 1: Mhmm.\n\nChannel 0: essentially, Mersha's is on 4,950. Yours is about the 7,000 mark, and then there's a portion going out of the investment account. I just wanted to let you know that the agreement, the fixed term agreement for those three accounts, that doesn't expire until September. So\n\nChannel 1: Mhmm.\n\nChannel 0: once the investment account closes, those fees will cease, and you guys will remain on the remainder of the fixed fees up until the end of September. And I was sort of thinking about how to balance that with the two accounts going forward. What we're essentially offering post September is a bit of a a couple's fee discount for you guys.\n\nChannel 1: Mhmm.\n\nChannel 0: So instead of you paying $9.09 out of the two accounts and Mercia paying 5, it'll just be $6.06 between the both of you each, and that'll probably drop the advice fees by about 1,600 per year. But I have not included any updated service agreements with this document. It's just a flag that once your fixed term agreement ends in September, I would like to get you on the lower fee agreement with OPU.\n\nChannel 1: Mhmm.\n\nChannel 0: Post that point, Sevi and Bart are working on a bit of a a tiered fee structure as well. So most clients above 200,000 next year will start to get some discounts as well, just a reduction of percentages. So I've factored in that new low fee couples discount just for the projections purpose. But, again, your fixed agreement still runs for another couple of months, so I'm just leaving that until that ends.\n\nChannel 1: Fair enough.\n\nChannel 0: K?\n\nChannel 1: Mhmm.\n\nChannel 0: Now once we get through September, are you okay for the team to send out the updated agreement to you guys?\n\nChannel 1: Yes.\n\nChannel 0: Cool. And, basically, when that goes through, just have a read through, make sure you're comfortable with it. I'll try and get them to include what the previous fixed fee agreement was compared to the new one just so you can compare the two. Make sure you you still feel there's value for money there. And if you have any questions before signing, just give us a buzz.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Ends the projection calculators here as well. Again, with Marsha adding 300,000 to her account, the projections look quite quite large on page 34 for her.\n\nChannel 1: Mhmm. Yes.\n\nChannel 0: But the main one I wanted to show you is if you keep going down a bit further, we've got some estate planning and wills after that. Power of attorney. I wasn't sure whether you guys had updated to have your power of attorney in place for each other if you were in hospital or something like that.\n\nChannel 1: Don't think so.\n\nChannel 0: Yeah. Cool. So it's just a bit of a reminder that, you know, if you go to update the wills, maybe just ask about the power of attorney as well just in case. I know it's pretty common these days for\n\nChannel 1: Mhmm.\n\nChannel 0: the the spouse to be included pretty quickly with doctors and the like, but it's probably the most surefire way of avoiding any probate or any issues there\n\nChannel 1: Yep.\n\nChannel 0: as well. And, again, so just with the drawdowns, I've included the defense pension, 5% interest from the ANZ accounts, and the minimum drawdowns from the\n\nChannel 1: Yep.\n\nChannel 0: super. Cool. Services at the back, some steps for implementation at the back as well on pages forty seven and forty eight, which is essentially the steps that we'll be undertaking, and you're pretty used to it as well. So once that investment account gets sold down, the money will come out to the bank. If you guys can make that contribution into Mercia's super account once we open it, then we will do the pension refresh.\n\nSo, basically, I will get Jack to open up that super account to hold those contributions.\n\nChannel 1: So the month it's open, we we have to deposit the the 300,000. Is that\n\nChannel 0: Yeah.\n\nChannel 1: what you're\n\nChannel 0: There's\n\nChannel 1: saying?\n\nChannel 0: a couple of ways to do it. Either you guys can contribute it via BPAY or EFT, which can sometimes have some issues with the banks when it comes to large amounts. We can attempt to debit it as well through the applications. As long as you're comfortable with that, we can attempt to do a debit out of the account as well.\n\nChannel 1: Well, yeah. Yeah. I think they lost. Sort of thinking that it would just roll over from the investment into the the new pension account.\n\nChannel 0: Yeah. I will try and use, to make it a bit easier. I'll see if Hub twenty four's account tool that we use for the pension refresh, whether that will allow the investment account to be moved internally to save that. It's just something that I need to we haven't done an investment to superint pension before. It's a triple account movement.\n\nSo I Hub twenty four technical team and check that. But if that's the way that we can do it, I'll make sure that's the way it happens. And if not, I'll get Jack to let you know if we have to do a withdrawal and recontribution.\n\nChannel 1: Yeah. Yeah. Okay.\n\nChannel 0: Is that okay?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. They've probably got the market leading account switching tool. So if they can't do it, no one can, But I'll investigate that straight\n\nChannel 1: Alright.\n\nChannel 0: away.\n\nChannel 1: Okay. And then the balance will just go into a joint savings account?\n\nChannel 0: And that's what I was thinking too is because if we did a account switch from the investment into the super, the way to do it then so the full $34,350,000 would move into from account to account. We would then have to do, like, a withdrawal for the\n\nChannel 1: Okay. Yeah. Yeah. Yep.\n\nChannel 0: remaining balance. And if that doesn't work, we will do an account closure\n\nChannel 1: Mhmm.\n\nChannel 0: followed by a contribution.\n\nChannel 1: Fair enough.\n\nChannel 0: Awesome. Any questions for me so far, Richard?\n\nChannel 1: Not I think that's covered it.\n\nChannel 0: Cool. Now because I haven't spoken to Moshe today, I have included, obviously, for both of you guys to sign off on this. And if you wouldn't mind just kind of walking her through it and just letting me know if there's any questions before signing, and I'll just put those implementation options as a note for the team to flag with Hub twenty four.\n\nChannel 1: Okay. So I hit this click to start to start the signature.\n\nChannel 0: Yeah. So the way Odoo works is it'll pretty much because you can scroll through the documents, when you do click to start, it'll kind of bring you to the signature spots to put the signature date and name on there. It'll stamp them. You can click on it to draw it if you would like to try and match it to your ID, but the stamp is okay for us. And then what basically happens is once you've finished that, there's a button that should say next document to allow you to skip through the other three documents.\n\nChannel 1: Yeah. What I've what I've done previously with electronic signing, I've I've got a an image of my signature.\n\nChannel 0: Yes.\n\nChannel 1: So I just\n\nChannel 0: That can be used as\n\nChannel 1: copy\n\nChannel 0: well.\n\nChannel 1: and\n\nChannel 0: Though.\n\nChannel 1: paste.\n\nChannel 0: Yeah. So when you get to that signature box, what will happen is it'll stamp your name as a signature on the box, but then if you actually click on it, it'll give you the option to either draw a signature or upload an image. So that should work pretty well. It's pretty similar to DocuSign.\n\nChannel 1: Yep. Mhmm. Okay. I'll I'll get on to that.\n\nChannel 0: Easy done.\n\nChannel 1: Just as\n\nChannel 0: And\n\nChannel 1: a just as\n\nChannel 0: Yes, sir.\n\nChannel 1: a I don't know if you would know, But I was thinking I've got to do my tax return, obviously, this year.\n\nChannel 0: Yep.\n\nChannel 1: And this I've only got my superannuation and I've got my superannuation for my DFIDB my DFIDB and a bit of interest from the bank. So I don't want to be bothered paying paying hundreds of dollars to bloody tax.\n\nChannel 0: Yeah.\n\nChannel 1: Bloody. So\n\nChannel 0: I think\n\nChannel 1: but I've I've gone through like, you could do it in my gut?\n\nChannel 0: yeah.\n\nChannel 1: And I go through there, and they've already loaded the the interest from the bank. They've loaded the disability pension\n\nChannel 0: Yeah.\n\nChannel 1: that's already in there. But the DFRDB, the 26,343, that hasn't shown up pre\n\nChannel 0: Oh,\n\nChannel 1: preloaded,\n\nChannel 0: that's a bit\n\nChannel 1: and I can't see where to to add it in.\n\nChannel 0: strange. It's strange that they wouldn't preload it in there for you, and to add an entire ring income in would be a bit strange. Do you know if there's ever usually any delays with the military in getting that information in there?\n\nChannel 1: Well, I wouldn't think so because the pension is already in there. The disability pension part of it is\n\nChannel 0: Yeah.\n\nChannel 1: already loaded. Why the the pension the VFRDP pension isn't?\n\nChannel 0: That's a bit strange. And the other thing too to just consider is anything you need to input from the investment account, we can generate reports and things like that, but\n\nChannel 1: Well, that won't\n\nChannel 0: it may\n\nChannel 1: that\n\nChannel 0: be\n\nChannel 1: won't\n\nChannel 0: worth\n\nChannel 1: happen until next financial year, I'm assuming.\n\nChannel 0: yeah. I mean, sometimes there's any dividends or distributions that are received into the account need to be included as well. So even if you're not selling the investments and getting a a capital gains tax event, you know, dividends from shares and things like that can still be included. So if it's helpful, what I would suggest is is one, just contact the the lovely tax office who have very short waiting times just to ask about the military pension. But I will get some reports generated from Hub twenty four about the investment account because everything that goes from those reports into a tax return\n\nChannel 1: Yeah.\n\nChannel 0: has codes, and the codes match the the software. Now once that's closed, next year will be very, very simple. But, again, I believe some distributions would need to be included.\n\nChannel 1: Yeah. Well, the yeah. And that was another thing. Right? If I go into the superannuation part of myGov,\n\nChannel 0: Yep.\n\nChannel 1: it's it's all last year's data. Nothing's been updated\n\nChannel 0: Yeah.\n\nChannel 1: in in\n\nChannel 0: They're\n\nChannel 1: my\n\nChannel 0: a bit\n\nChannel 1: go for\n\nChannel 0: slow.\n\nChannel 1: it. So I guess\n\nChannel 0: I'm just\n\nChannel 1: there's\n\nChannel 0: jumping\n\nChannel 1: no\n\nChannel 0: on.\n\nChannel 1: no real rush for that this year.\n\nChannel 0: No.\n\nChannel 1: Okay.\n\nChannel 0: Cool. Richard, I'm gonna get these reports. It's gonna look a little bit intimidating when I send through these hub reports for the investment account just because they're they're quite large,\n\nChannel 1: Yep.\n\nChannel 0: but there's some summaries in there that should be easier for the return. So I'm sorry. I don't know the answer for the military pension, why that's not included, or how to add it, but I'll get you everything that you need when it comes to the investment account.\n\nChannel 1: Okeydoke.\n\nChannel 0: Fantastic. Any questions at all, mate, just give us a buzz back. But we will be reaching out once we flag exactly how to implement the account switching, and I'll get Jack to let you know what Hub twenty four says.\n\nChannel 1: Yes. Okay. So you\n\nChannel 0: Amazing.\n\nChannel 1: don't need to talk to us about any\n\nChannel 0: I\n\nChannel 1: of this\n\nChannel 0: just\n\nChannel 1: stuff.\n\nChannel 0: wanna\n\nChannel 1: I\n\nChannel 0: make\n\nChannel 1: just\n\nChannel 0: sure,\n\nChannel 1: I\n\nChannel 0: a,\n\nChannel 1: just\n\nChannel 0: that\n\nChannel 1: get\n\nChannel 0: she\n\nChannel 1: her\n\nChannel 0: understands what we're\n\nChannel 1: to\n\nChannel 0: doing\n\nChannel 1: just yeah. Yeah.\n\nChannel 0: and\n\nChannel 1: Yeah.\n\nChannel 0: any\n\nChannel 1: Get\n\nChannel 0: questions\n\nChannel 1: her to sign\n\nChannel 0: as well.\n\nChannel 1: it.\n\nChannel 0: Yeah.\n\nChannel 1: Okay.\n\nChannel 0: Cool.\n\nChannel 1: All very good.\n\nChannel 0: Awesome, Richard. Thank you so much for your time as always, sir.\n\nChannel 1: Thank you.\n\nChannel 0: And keep an eye out for my email and then a call from Jack once he's doing the implementation.\n\nChannel 1: Yep.\n\nChannel 0: Thank\n\nChannel 1: Thank\n\nChannel 0: you,\n\nChannel 1: you.\n\nChannel 0: mate. Have a fantastic day.\n\nChannel 1: You too. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.16,"end":0.65999997,"sentiment":"neutral","sentiment_score":0.048779040575027466}],"sentiment":"neutral","sentiment_score":0.048779040575027466,"channel":1,"num_words":1,"start":0.16,"end":0.65999997},{"sentences":[{"text":"Good morning, Richard.","start":2.56,"end":3.4399998,"sentiment":"neutral","sentiment_score":0.33247072498003644},{"text":"Tommy here from Oakview.","start":3.4399998,"end":4.48,"sentiment":"neutral","sentiment_score":0.3104797601699829},{"text":"How are you doing?","start":4.48,"end":5.38,"sentiment":"neutral","sentiment_score":0.3147052451968193}],"sentiment":"neutral","sentiment_score":0.31801383603702893,"channel":0,"num_words":11,"start":2.56,"end":5.38},{"sentences":[{"text":"I'm good.","start":5.6,"end":6.16,"sentiment":"positive","sentiment_score":0.6096602082252502},{"text":"Thanks.","start":6.16,"end":6.66,"sentiment":"positive","sentiment_score":0.7064681053161621}],"sentiment":"positive","sentiment_score":0.6419295072555542,"channel":1,"num_words":3,"start":5.6,"end":6.66},{"sentences":[{"text":"Good to hear.","start":7.52,"end":8.16,"sentiment":"positive","sentiment_score":0.6670226454734802},{"text":"Good to hear.","start":8.16,"end":8.96,"sentiment":"positive","sentiment_score":0.577705959479014},{"text":"I've got your updated advice strategy ready to send through to you.","start":8.96,"end":12.96,"sentiment":"positive","sentiment_score":0.3719611167907715},{"text":"Do you have a few minutes for me","start":12.96,"end":14.535,"sentiment":"neutral","sentiment_score":0.11027415283024311}],"sentiment":"positive","sentiment_score":0.3492274014995648,"channel":0,"num_words":26,"start":7.52,"end":14.535},{"sentences":[{"text":"Yep.","start":15.045,"end":15.365001,"sentiment":"neutral","sentiment_score":0.10309557616710664},{"text":"Not a problem.","start":15.365001,"end":16.105,"sentiment":"neutral","sentiment_score":0.18253747125466666}],"sentiment":"neutral","sentiment_score":0.16267699748277664,"channel":1,"num_words":4,"start":15.045,"end":16.105},{"sentences":[{"text":"today?","start":16.115,"end":16.595,"sentiment":"neutral","sentiment_score":0.15318693220615387},{"text":"Perfect.","start":16.595,"end":16.994999,"sentiment":"positive","sentiment_score":0.4758842587471008},{"text":"Perfect.","start":16.994999,"end":17.315,"sentiment":"positive","sentiment_score":0.43357688188552856},{"text":"So I'm gonna pop that through to both email addresses.","start":17.315,"end":20.615,"sentiment":"neutral","sentiment_score":0.19622620046138764}],"sentiment":"neutral","sentiment_score":0.2326853905732815,"channel":0,"num_words":13,"start":16.115,"end":20.615},{"sentences":[{"text":"Mhmm.","start":21.285,"end":21.785,"sentiment":"neutral","sentiment_score":0.050283826887607574}],"sentiment":"neutral","sentiment_score":0.050283826887607574,"channel":1,"num_words":1,"start":21.285,"end":21.785},{"sentences":[{"text":"And just while I'm doing that, do you mind if I go through a quick security check with you?","start":21.395,"end":25.255001,"sentiment":"neutral","sentiment_score":0.03124263470894412}],"sentiment":"neutral","sentiment_score":0.03124263470894412,"channel":0,"num_words":19,"start":21.395,"end":25.255001},{"sentences":[{"text":"Not a problem.","start":25.445,"end":26.185001,"sentiment":"neutral","sentiment_score":0.15063084661960602}],"sentiment":"neutral","sentiment_score":0.15063084661960602,"channel":1,"num_words":3,"start":25.445,"end":26.185001},{"sentences":[{"text":"Amazing.","start":26.595,"end":27.095,"sentiment":"neutral","sentiment_score":0.30082571506500244},{"text":"Can I just confirm date of birth and address for me,","start":27.154999,"end":29.52,"sentiment":"neutral","sentiment_score":0.1750447858463634}],"sentiment":"neutral","sentiment_score":0.18552652994791666,"channel":0,"num_words":12,"start":26.595,"end":29.52},{"sentences":[{"text":"01/06/1955.","start":31.3,"end":33.8,"sentiment":"neutral","sentiment_score":0.15124329924583435}],"sentiment":"neutral","sentiment_score":0.15124329924583435,"channel":1,"num_words":1,"start":31.3,"end":33.8},{"sentences":[{"text":"sir?","start":34.56,"end":35.06,"sentiment":"neutral","sentiment_score":0.07688857614994049},{"text":"Perfect.","start":35.36,"end":35.86,"sentiment":"neutral","sentiment_score":0.12767936289310455}],"sentiment":"neutral","sentiment_score":0.10228396952152252,"channel":0,"num_words":2,"start":34.56,"end":35.86},{"sentences":[{"text":"17 Maria Court, Pacific Pines.","start":35.38,"end":37.96,"sentiment":"neutral","sentiment_score":0.08279030621051789}],"sentiment":"neutral","sentiment_score":0.08279030621051789,"channel":1,"num_words":5,"start":35.38,"end":37.96},{"sentences":[{"text":"Amazing.","start":38.56,"end":39.04,"sentiment":"positive","sentiment_score":0.4674433767795563},{"text":"Thank you for that, Richard.","start":39.04,"end":40.08,"sentiment":"positive","sentiment_score":0.6020772457122803},{"text":"How's your morning going, sir?","start":40.08,"end":41.46,"sentiment":"neutral","sentiment_score":0.3229119718074799}],"sentiment":"positive","sentiment_score":0.4629444967616688,"channel":0,"num_words":11,"start":38.56,"end":41.46},{"sentences":[{"text":"Not too badly.","start":42.18,"end":43.0,"sentiment":"neutral","sentiment_score":0.017496346185604732}],"sentiment":"neutral","sentiment_score":0.017496346185604732,"channel":1,"num_words":3,"start":42.18,"end":43.0},{"sentences":[{"text":"Not too bad.","start":44.025,"end":44.745,"sentiment":"neutral","sentiment_score":-0.030991970251003902},{"text":"Dealing with the cold.","start":44.745,"end":45.545,"sentiment":"neutral","sentiment_score":-0.09082110226154327},{"text":"Okay?","start":45.545,"end":46.045,"sentiment":"neutral","sentiment_score":0.008098885416984558}],"sentiment":"neutral","sentiment_score":-0.05602017929777503,"channel":0,"num_words":8,"start":44.025,"end":46.045},{"sentences":[{"text":"Yeah.","start":47.465,"end":47.965,"sentiment":"neutral","sentiment_score":0.017982641234993935}],"sentiment":"neutral","sentiment_score":0.017982641234993935,"channel":1,"num_words":1,"start":47.465,"end":47.965},{"sentences":[{"text":"Gotta keep the heater going.","start":49.065,"end":50.605,"sentiment":"neutral","sentiment_score":0.009237068891525268},{"text":"Will you have access to the emails to look onto the document with me today, or should I just kind of","start":51.545,"end":56.61,"sentiment":"neutral","sentiment_score":0.04754571900481269}],"sentiment":"neutral","sentiment_score":0.040178670906103574,"channel":0,"num_words":26,"start":49.065,"end":56.61},{"sentences":[{"text":"I should be able to view it while","start":62.68,"end":65.16,"sentiment":"neutral","sentiment_score":0.06641048425808549}],"sentiment":"neutral","sentiment_score":0.06641048425808549,"channel":1,"num_words":8,"start":62.68,"end":65.16},{"sentences":[{"text":"walk","start":65.09,"end":65.38333,"sentiment":"neutral","sentiment_score":0.07087867707014084}],"sentiment":"neutral","sentiment_score":0.07087867707014084,"channel":0,"num_words":1,"start":65.09,"end":65.38333},{"sentences":[{"text":"we speak.","start":65.16,"end":65.82,"sentiment":"neutral","sentiment_score":0.04554201662540436}],"sentiment":"neutral","sentiment_score":0.04554201662540436,"channel":1,"num_words":2,"start":65.16,"end":65.82},{"sentences":[{"text":"you through what's there?","start":65.38333,"end":66.29,"sentiment":"neutral","sentiment_score":0.012200428871437907},{"text":"Yep.","start":66.29,"end":66.61,"sentiment":"neutral","sentiment_score":0.11492683738470078},{"text":"That'd be great.","start":66.61,"end":67.33,"sentiment":"neutral","sentiment_score":0.3200269043445587},{"text":"I'll give you a moment there.","start":67.33,"end":68.69,"sentiment":"neutral","sentiment_score":0.15695872406164804},{"text":"It should come through.","start":68.69,"end":69.75,"sentiment":"neutral","sentiment_score":0.1432785913348198}],"sentiment":"neutral","sentiment_score":0.14659310975629422,"channel":0,"num_words":18,"start":65.38333,"end":69.75},{"sentences":[{"text":"Usual with our new system, Odoo, that we built for ourselves, it should come up as a signature request, Odoo Financial statement of advice.","start":70.53,"end":78.595,"sentiment":"neutral","sentiment_score":0.11860551514352362},{"text":"If this is the first time you've received an Odoo email, it may go to your spam folder, but most of the time, it goes pretty pretty instantly to the main box.","start":80.015,"end":88.590004,"sentiment":"neutral","sentiment_score":0.032160543429199606}],"sentiment":"neutral","sentiment_score":0.06920838844962418,"channel":0,"num_words":56,"start":70.53,"end":88.590004},{"sentences":[{"text":"Mhmm.","start":89.97,"end":90.47,"sentiment":"neutral","sentiment_score":0.016642197966575623}],"sentiment":"neutral","sentiment_score":0.016642197966575623,"channel":1,"num_words":1,"start":89.97,"end":90.47},{"sentences":[{"text":"And what I've kind of sent through just while you're grabbing that up, so there's a statement of advice, a bit of an appendix with some additional research, and just some updated financial services guides for Oakview because we have updated, you know, privacy policy and licensing information.","start":93.69,"end":108.034996,"sentiment":"neutral","sentiment_score":0.044323920524523906}],"sentiment":"neutral","sentiment_score":0.044323920524523906,"channel":0,"num_words":48,"start":93.69,"end":108.034996},{"sentences":[{"text":"Yep.","start":109.535,"end":110.035,"sentiment":"neutral","sentiment_score":0.05797808617353439},{"text":"Okay.","start":112.1,"end":112.6,"sentiment":"neutral","sentiment_score":0.07026814669370651},{"text":"So, yes, I got that email up.","start":112.82,"end":115.32,"sentiment":"neutral","sentiment_score":0.0994669081909316}],"sentiment":"neutral","sentiment_score":0.09161273224486245,"channel":1,"num_words":9,"start":109.535,"end":115.32},{"sentences":[{"text":"Yep.","start":115.869995,"end":116.189995,"sentiment":"neutral","sentiment_score":0.09472908824682236},{"text":"So if you hit the purple button on there, it should bring up the documents to peruse with me.","start":116.189995,"end":121.329994,"sentiment":"neutral","sentiment_score":0.10043925988046747},{"text":"There is again four on there, but the main one is just the statement of advice with the Gold Coast beachfront city picture on it.","start":121.78999,"end":129.815,"sentiment":"neutral","sentiment_score":0.04591444358229637},{"text":"And just let me know when you can see that there, sir.","start":131.635,"end":133.895,"sentiment":"neutral","sentiment_score":0.08954471722245216}],"sentiment":"neutral","sentiment_score":0.07413110038951824,"channel":0,"num_words":57,"start":115.869995,"end":133.895},{"sentences":[{"text":"Mhmm.","start":135.775,"end":136.25499,"sentiment":"neutral","sentiment_score":0.05796608328819275},{"text":"Yeah.","start":136.25499,"end":136.655,"sentiment":"neutral","sentiment_score":0.0953064262866974},{"text":"So I've got the overview statement or advice.","start":136.655,"end":139.235,"sentiment":"neutral","sentiment_score":0.15882831625640392}],"sentiment":"neutral","sentiment_score":0.14238990396261214,"channel":1,"num_words":10,"start":135.775,"end":139.235},{"sentences":[{"text":"Yep.","start":140.275,"end":140.675,"sentiment":"positive","sentiment_score":0.5048916935920715},{"text":"Perfect.","start":140.675,"end":141.175,"sentiment":"positive","sentiment_score":0.7094539403915405},{"text":"So if you just have a scroll down to the fourth page for me, it just goes through the updated scope of advice for this document.","start":141.53001,"end":148.51001,"sentiment":"positive","sentiment_score":0.3647325153534229}],"sentiment":"positive","sentiment_score":0.38204967975616455,"channel":0,"num_words":28,"start":140.275,"end":148.51001},{"sentences":[{"text":"Mhmm.","start":149.20999,"end":149.70999,"sentiment":"neutral","sentiment_score":0.14588060975074768}],"sentiment":"neutral","sentiment_score":0.14588060975074768,"channel":1,"num_words":1,"start":149.20999,"end":149.70999},{"sentences":[{"text":"And under that blue heading, again, the main thing is we're just trying to simplify the financial structure by closing down the investment account, boosting up the super, and then just making things a little bit simpler for you guys.","start":150.57,"end":162.175,"sentiment":"positive","sentiment_score":0.3345069523900747},{"text":"Again, avoiding having to constantly worry about capital gains tax all the time.","start":162.175,"end":166.99501,"sentiment":"neutral","sentiment_score":0.20082691884957826}],"sentiment":"neutral","sentiment_score":0.3017175102008964,"channel":0,"num_words":53,"start":150.57,"end":166.99501},{"sentences":[{"text":"Mhmm.","start":167.47,"end":167.97,"sentiment":"neutral","sentiment_score":0.153058260679245}],"sentiment":"neutral","sentiment_score":0.153058260679245,"channel":1,"num_words":1,"start":167.47,"end":167.97},{"sentences":[{"text":"And I have compared everything against that retirement goal of the 2,000 per week just to show how the income is looking for you guys.","start":167.535,"end":175.85,"sentiment":"neutral","sentiment_score":0.2540822267532349},{"text":"I have included as well a bit of an update to the portfolios like I mentioned.","start":178.39,"end":183.05,"sentiment":"neutral","sentiment_score":0.17916872072964907},{"text":"The other two areas on the next page is basically just talking about the investment account being closed down, 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going.","start":590.895,"end":593.515,"sentiment":"neutral","sentiment_score":0.07432661081353824},{"text":"Gold's just being minimized a little bit because it has been quite volatile, and we just wanna keep that as a steady 10%, which is kind of the model portfolio that we built for you.","start":594.05505,"end":602.89996,"sentiment":"neutral","sentiment_score":0.2338214906198638},{"text":"But the","start":603.04,"end":603.44,"sentiment":"neutral","sentiment_score":0.14340399950742722}],"sentiment":"neutral","sentiment_score":0.16914518433623016,"channel":0,"num_words":64,"start":581.59,"end":603.44},{"sentences":[{"text":"Yep.","start":603.405,"end":603.905,"sentiment":"neutral","sentiment_score":0.12437987327575684}],"sentiment":"neutral","sentiment_score":0.12437987327575684,"channel":1,"num_words":1,"start":603.405,"end":603.905},{"sentences":[{"text":"main difference is just the bottom few rows.","start":603.44,"end":606.98,"sentiment":"neutral","sentiment_score":0.09997565858066082},{"text":"So the the core amounts in your bonds portfolio is gonna be there for 25%.","start":607.44,"end":614.24,"sentiment":"neutral","sentiment_score":0.1640901948014895},{"text":"That's the safer side.","start":614.24,"end":615.54,"sentiment":"neutral","sentiment_score":0.28920692205429077},{"text":"The American shares are gonna be there at 22%.","start":616.065,"end":618.78503,"sentiment":"neutral","sentiment_score":0.309342407517963},{"text":"That's pretty standard.","start":618.78503,"end":619.92505,"sentiment":"positive","sentiment_score":0.5191740194956461}],"sentiment":"neutral","sentiment_score":0.22460486166752303,"channel":0,"num_words":39,"start":603.44,"end":619.92505},{"sentences":[{"text":"And then on the next page is the two new options that I'm I'm mixing in.","start":620.78503,"end":625.765,"sentiment":"neutral","sentiment_score":0.17669940739870071},{"text":"So you should see a Vanguard option and a BetaShares","start":626.305,"end":629.28503,"sentiment":"neutral","sentiment_score":0.18021750152111055}],"sentiment":"neutral","sentiment_score":0.17805252052270448,"channel":0,"num_words":26,"start":620.78503,"end":629.28503},{"sentences":[{"text":"Yep.","start":629.185,"end":629.685,"sentiment":"neutral","sentiment_score":0.12281983345746994}],"sentiment":"neutral","sentiment_score":0.12281983345746994,"channel":1,"num_words":1,"start":629.185,"end":629.685},{"sentences":[{"text":"Australia 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there.","start":642.72,"end":651.545,"sentiment":"neutral","sentiment_score":0.1526388743961299}],"sentiment":"neutral","sentiment_score":0.1526388743961299,"channel":0,"num_words":27,"start":642.72,"end":651.545},{"sentences":[{"text":"Yep.","start":652.1,"end":652.6,"sentiment":"neutral","sentiment_score":0.21619337797164917}],"sentiment":"neutral","sentiment_score":0.21619337797164917,"channel":1,"num_words":1,"start":652.1,"end":652.6},{"sentences":[{"text":"So again, for balance, you generally float between 60 to 70% in growth assets.","start":653.125,"end":658.17,"sentiment":"neutral","sentiment_score":0.1712949424982071},{"text":"By making these changes, it kind of gets you to float around 64%, whereas you're currently sitting at 62 and a half.","start":659.13,"end":665.45,"sentiment":"neutral","sentiment_score":0.1440667896108194},{"text":"There 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with","start":665.85,"end":673.895,"sentiment":"neutral","sentiment_score":0.0030516880479725924}],"sentiment":"neutral","sentiment_score":0.0030516880479725924,"channel":0,"num_words":22,"start":665.85,"end":673.895},{"sentences":[{"text":"Okay.","start":673.8075,"end":674.3075,"sentiment":"neutral","sentiment_score":0.0963706150650978}],"sentiment":"neutral","sentiment_score":0.0963706150650978,"channel":1,"num_words":1,"start":673.8075,"end":674.3075},{"sentences":[{"text":"all the dividends that you just received from end of financial year, so those will be invested pretty soon as well.","start":673.895,"end":679.59503,"sentiment":"neutral","sentiment_score":0.1822279773297764},{"text":"Okay?","start":681.175,"end":681.675,"sentiment":"neutral","sentiment_score":0.07387842237949371}],"sentiment":"neutral","sentiment_score":0.177302997559309,"channel":0,"num_words":22,"start":673.895,"end":681.675},{"sentences":[{"text":"Mhmm.","start":681.95496,"end":682.45496,"sentiment":"neutral","sentiment_score":-0.026640526950359344}],"sentiment":"neutral","sentiment_score":-0.026640526950359344,"channel":1,"num_words":1,"start":681.95496,"end":682.45496},{"sentences":[{"text":"So risk level won't change.","start":681.97504,"end":683.09503,"sentiment":"neutral","sentiment_score":-0.1901495039463043},{"text":"If you look at the next page, we've got the fee comparison there.","start":683.09503,"end":686.155,"sentiment":"neutral","sentiment_score":-0.016859903358496152},{"text":"And there's just a couple of things I wanted to note as 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1,555.","start":704.92505,"end":709.66504,"sentiment":"neutral","sentiment_score":0.07414963375777006}],"sentiment":"neutral","sentiment_score":0.07414963375777006,"channel":0,"num_words":8,"start":704.92505,"end":709.66504},{"sentences":[{"text":"Mhmm.","start":710.30005,"end":710.80005,"sentiment":"neutral","sentiment_score":0.1476166546344757}],"sentiment":"neutral","sentiment_score":0.1476166546344757,"channel":1,"num_words":1,"start":710.30005,"end":710.80005},{"sentences":[{"text":"At the same time, the five year returns for the updates bring your portfolio from about 8% to 9%.","start":711.48505,"end":718.17004,"sentiment":"positive","sentiment_score":0.40383969796331304},{"text":"So, again, a little bit of a bump up on returns, a huge reduction in fees, and those two should translate pretty well going 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you guys, you're, again, splitting it between the both of you, and your income level's not that high, so you're not gonna be paying the full the full rate.","start":866.16,"end":875.975,"sentiment":"neutral","sentiment_score":0.026640186872100458},{"text":"So that's kind of a bit of a maximum estimate there for you.","start":875.975,"end":879.27496,"sentiment":"neutral","sentiment_score":0.06520229062208763}],"sentiment":"neutral","sentiment_score":0.03778035017765231,"channel":0,"num_words":45,"start":866.16,"end":879.27496},{"sentences":[{"text":"Yep.","start":879.575,"end":880.075,"sentiment":"neutral","sentiment_score":0.2285746783018112}],"sentiment":"neutral","sentiment_score":0.2285746783018112,"channel":1,"num_words":1,"start":879.575,"end":880.075},{"sentences":[{"text":"Cool.","start":881.175,"end":881.675,"sentiment":"neutral","sentiment_score":0.2952924072742462},{"text":"So once that gets closed down, if you go to pages 23, I'm not sure if you're used to how a pension 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going in nonconcessionally, it's post tax dollars, goes into the tax free portion.","start":935.595,"end":943.23004,"sentiment":"neutral","sentiment_score":0.19067367017269135},{"text":"So for any estate planning, there won't be any taxes on on passing that over as well.","start":943.29004,"end":948.03,"sentiment":"neutral","sentiment_score":0.2692934432450463},{"text":"And, of course, it's gonna boost up the super.","start":948.25,"end":950.51,"sentiment":"neutral","sentiment_score":0.27733272148503196}],"sentiment":"neutral","sentiment_score":0.23194769273201624,"channel":0,"num_words":48,"start":934.795,"end":950.51},{"sentences":[{"text":"If we go to page 25, it kind of outlines those steps in the pension refresh for you.","start":951.77,"end":958.11505,"sentiment":"neutral","sentiment_score":0.11213406920433044},{"text":"And I've just listed that under Merci's 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guys.","start":976.16,"end":989.65497,"sentiment":"positive","sentiment_score":0.4686461888253689},{"text":"So I've just","start":989.875,"end":990.435,"sentiment":"positive","sentiment_score":0.48520732919375104}],"sentiment":"positive","sentiment_score":0.4189544073823426,"channel":0,"num_words":72,"start":964.655,"end":990.435},{"sentences":[{"text":"Mhmm.","start":990.42,"end":990.92,"sentiment":"positive","sentiment_score":0.3952276110649109}],"sentiment":"positive","sentiment_score":0.3952276110649109,"channel":1,"num_words":1,"start":990.42,"end":990.92},{"sentences":[{"text":"repeated that same information.","start":990.435,"end":992.055,"sentiment":"positive","sentiment_score":0.4023136720061302},{"text":"And in addition to that, I've recommended the same portfolio for Mercia just so that you guys are in similar investments so you don't have to worry about too many differences between the two accounts.","start":994.755,"end":1006.33,"sentiment":"positive","sentiment_score":0.43464803738253455}],"sentiment":"positive","sentiment_score":0.43133169221572387,"channel":0,"num_words":39,"start":990.435,"end":1006.33},{"sentences":[{"text":"Fair","start":1007.80005,"end":1008.30005,"sentiment":"positive","sentiment_score":0.3541465103626251}],"sentiment":"positive","sentiment_score":0.3541465103626251,"channel":1,"num_words":1,"start":1007.80005,"end":1008.30005},{"sentences":[{"text":"And, again, same thing.","start":1009.27,"end":1010.685,"sentiment":"positive","sentiment_score":0.425987608730793},{"text":"The underperforming funds are getting removed.","start":1010.685,"end":1012.78503,"sentiment":"neutral","sentiment_score":-0.1804289643963178},{"text":"There's a rebalance of the remaining options, and there's an inclusion of a couple of lower fee options there as well.","start":1012.92505,"end":1018.705,"sentiment":"neutral","sentiment_score":0.31016071140766144}],"sentiment":"neutral","sentiment_score":0.23015327703568242,"channel":0,"num_words":31,"start":1009.27,"end":1018.705},{"sentences":[{"text":"enough.","start":1018.76,"end":1019.26,"sentiment":"neutral","sentiment_score":0.28717321157455444}],"sentiment":"neutral","sentiment_score":0.28717321157455444,"channel":1,"num_words":1,"start":1018.76,"end":1019.26},{"sentences":[{"text":"And then, again, the same tables are repeated for her.","start":1019.085,"end":1022.54504,"sentiment":"neutral","sentiment_score":0.2527338698506355},{"text":"Asset allocation on page 32, 64 same as yours.","start":1022.84503,"end":1027.3201,"sentiment":"neutral","sentiment_score":0.18056961562898424},{"text":"The returns and fee differences there as well.","start":1028.58,"end":1031.3201,"sentiment":"neutral","sentiment_score":0.21995123475790024},{"text":"But, Richard, if you could go down to page 33 for me, I just wanted to walk you through a bit of a change on the advice services.","start":1032.26,"end":1039.365,"sentiment":"neutral","sentiment_score":0.14985230591680324},{"text":"You should see a fee comparison table there as well.","start":1039.825,"end":1042.6449,"sentiment":"neutral","sentiment_score":0.10679074898362159}],"sentiment":"neutral","sentiment_score":0.17193611034980186,"channel":0,"num_words":65,"start":1019.085,"end":1042.6449},{"sentences":[{"text":"Page is 33.","start":1043.16,"end":1044.62,"sentiment":"neutral","sentiment_score":0.03349622276922067},{"text":"33.","start":1044.6799,"end":1045.24,"sentiment":"neutral","sentiment_score":0.03021299839019775}],"sentiment":"neutral","sentiment_score":0.03267541667446494,"channel":1,"num_words":4,"start":1043.16,"end":1045.24},{"sentences":[{"text":"Yep.","start":1045.1849,"end":1045.6849,"sentiment":"neutral","sentiment_score":0.1210607886314392}],"sentiment":"neutral","sentiment_score":0.1210607886314392,"channel":0,"num_words":1,"start":1045.1849,"end":1045.6849},{"sentences":[{"text":"Yep.","start":1045.24,"end":1045.5599,"sentiment":"neutral","sentiment_score":0.1500329077243805},{"text":"Got it.","start":1045.5599,"end":1046.38,"sentiment":"neutral","sentiment_score":0.19061371684074402}],"sentiment":"neutral","sentiment_score":0.17708678046862283,"channel":1,"num_words":3,"start":1045.24,"end":1046.38},{"sentences":[{"text":"Now the current agreement that you guys are under, there's a 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the agreement, the fixed term agreement for those three accounts, that doesn't expire until September.","start":1063.3099,"end":1070.335,"sentiment":"neutral","sentiment_score":0.19006740917330203},{"text":"So","start":1071.835,"end":1072.335,"sentiment":"neutral","sentiment_score":0.18238624930381775}],"sentiment":"neutral","sentiment_score":0.15472973688789035,"channel":0,"num_words":46,"start":1053.79,"end":1072.335},{"sentences":[{"text":"Mhmm.","start":1072.02,"end":1072.52,"sentiment":"neutral","sentiment_score":0.12682470679283142}],"sentiment":"neutral","sentiment_score":0.12682470679283142,"channel":1,"num_words":1,"start":1072.02,"end":1072.52},{"sentences":[{"text":"once the investment account closes, those fees will cease, and you guys will remain on the remainder of the fixed fees up until the end of September.","start":1072.795,"end":1082.22,"sentiment":"neutral","sentiment_score":0.135105121742796},{"text":"And I was sort of thinking about how to balance that with the two accounts going forward.","start":1083.08,"end":1088.22,"sentiment":"neutral","sentiment_score":0.08787012407008339},{"text":"What we're essentially offering post September is a bit of a a couple's fee discount for you guys.","start":1089.48,"end":1096.145,"sentiment":"neutral","sentiment_score":0.18915646854374144}],"sentiment":"neutral","sentiment_score":0.13784591661345574,"channel":0,"num_words":62,"start":1072.795,"end":1096.145},{"sentences":[{"text":"Mhmm.","start":1096.8099,"end":1097.3099,"sentiment":"neutral","sentiment_score":0.1290658414363861}],"sentiment":"neutral","sentiment_score":0.1290658414363861,"channel":1,"num_words":1,"start":1096.8099,"end":1097.3099},{"sentences":[{"text":"So instead of you paying $9.09 out of the two accounts and Mercia paying 5, it'll just be $6.06 between the both of you each, and that'll probably drop the advice fees by about 1,600 per year.","start":1096.925,"end":1111.01,"sentiment":"neutral","sentiment_score":0.17181281866254033},{"text":"But I have not included any updated service agreements with this document.","start":1111.31,"end":1116.85,"sentiment":"neutral","sentiment_score":-0.004694836214184761},{"text":"It's just a flag that once your fixed term agreement ends in September, I would like to get you on the lower fee agreement with OPU.","start":1117.165,"end":1124.705,"sentiment":"neutral","sentiment_score":0.1493783544462461}],"sentiment":"neutral","sentiment_score":0.13579431295394898,"channel":0,"num_words":75,"start":1096.925,"end":1124.705},{"sentences":[{"text":"Mhmm.","start":1126.0701,"end":1126.5701,"sentiment":"neutral","sentiment_score":0.09377500414848328}],"sentiment":"neutral","sentiment_score":0.09377500414848328,"channel":1,"num_words":1,"start":1126.0701,"end":1126.5701},{"sentences":[{"text":"Post that point, Sevi and Bart are working on a bit of a a tiered fee structure as 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enough.","start":1157.915,"end":1158.655,"sentiment":"neutral","sentiment_score":0.12839467078447342}],"sentiment":"neutral","sentiment_score":0.12839467078447342,"channel":1,"num_words":2,"start":1157.915,"end":1158.655},{"sentences":[{"text":"K?","start":1159.425,"end":1159.925,"sentiment":"neutral","sentiment_score":0.05826830118894577}],"sentiment":"neutral","sentiment_score":0.05826830118894577,"channel":0,"num_words":1,"start":1159.425,"end":1159.925},{"sentences":[{"text":"Mhmm.","start":1159.595,"end":1160.095,"sentiment":"neutral","sentiment_score":0.05316350609064102}],"sentiment":"neutral","sentiment_score":0.05316350609064102,"channel":1,"num_words":1,"start":1159.595,"end":1160.095},{"sentences":[{"text":"Now once we get through September, are you okay for the team to send out the updated agreement to you guys?","start":1160.0651,"end":1165.99,"sentiment":"neutral","sentiment_score":0.07937634133157276}],"sentiment":"neutral","sentiment_score":0.07937634133157276,"channel":0,"num_words":21,"start":1160.0651,"end":1165.99},{"sentences":[{"text":"Yes.","start":1167.41,"end":1167.91,"sentiment":"neutral","sentiment_score":0.24448665976524353}],"sentiment":"neutral","sentiment_score":0.24448665976524353,"channel":1,"num_words":1,"start":1167.41,"end":1167.91},{"sentences":[{"text":"Cool.","start":1170.29,"end":1170.61,"sentiment":"positive","sentiment_score":0.4115194678306579},{"text":"And, basically, when that goes through, just have a read through, make sure you're comfortable with it.","start":1170.61,"end":1175.51,"sentiment":"neutral","sentiment_score":0.25340748797444734},{"text":"I'll try and get them to include what the previous fixed fee agreement was compared to the new one just so you can compare the 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so.","start":1237.2899,"end":1238.235,"sentiment":"neutral","sentiment_score":-0.17748863995075226}],"sentiment":"neutral","sentiment_score":-0.17748863995075226,"channel":1,"num_words":3,"start":1237.2899,"end":1238.235},{"sentences":[{"text":"Yeah.","start":1238.9249,"end":1239.405,"sentiment":"neutral","sentiment_score":0.039691247045993805},{"text":"Cool.","start":1239.405,"end":1239.725,"sentiment":"neutral","sentiment_score":0.005307717714458704},{"text":"So it's just a bit of a reminder that, you know, if you go to update the wills, maybe just ask about the power of attorney as well just in case.","start":1239.725,"end":1246.63,"sentiment":"neutral","sentiment_score":0.09036137860628866},{"text":"I know it's pretty common these days for","start":1246.63,"end":1249.19,"sentiment":"neutral","sentiment_score":0.11005887482315302}],"sentiment":"neutral","sentiment_score":0.09089445610099085,"channel":0,"num_words":41,"start":1238.9249,"end":1249.19},{"sentences":[{"text":"Mhmm.","start":1248.875,"end":1249.375,"sentiment":"neutral","sentiment_score":0.07623449712991714}],"sentiment":"neutral","sentiment_score":0.07623449712991714,"channel":1,"num_words":1,"start":1248.875,"end":1249.375},{"sentences":[{"text":"the the spouse to be included pretty quickly with doctors and the like, but it's probably the most surefire way of avoiding any probate or any issues 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open, we we have to deposit the the 300,000.","start":1312.87,"end":1324.9651,"sentiment":"neutral","sentiment_score":0.12958563405733842},{"text":"Is that","start":1325.5851,"end":1325.905,"sentiment":"neutral","sentiment_score":0.08142971247434616}],"sentiment":"neutral","sentiment_score":0.12316484451293945,"channel":1,"num_words":15,"start":1312.87,"end":1325.905},{"sentences":[{"text":"Yeah.","start":1325.88,"end":1326.2,"sentiment":"neutral","sentiment_score":0.0584401860833168}],"sentiment":"neutral","sentiment_score":0.0584401860833168,"channel":0,"num_words":1,"start":1325.88,"end":1326.2},{"sentences":[{"text":"what 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amounts.","start":1328.52,"end":1336.735,"sentiment":"neutral","sentiment_score":0.04941469490528107},{"text":"We can attempt to debit it as well through the applications.","start":1337.595,"end":1341.135,"sentiment":"neutral","sentiment_score":0.11068151146173477},{"text":"As long as you're comfortable with that, we can attempt to do a debit out of the account as well.","start":1342.475,"end":1346.97,"sentiment":"neutral","sentiment_score":0.10204793177545071}],"sentiment":"neutral","sentiment_score":0.0792815877449891,"channel":0,"num_words":63,"start":1326.44,"end":1346.97},{"sentences":[{"text":"Well, yeah.","start":1352.365,"end":1353.105,"sentiment":"neutral","sentiment_score":-0.010560201480984688},{"text":"Yeah.","start":1353.725,"end":1354.125,"sentiment":"neutral","sentiment_score":-0.06441165506839752},{"text":"I think they lost.","start":1354.125,"end":1355.265,"sentiment":"neutral","sentiment_score":-0.26283932104706764},{"text":"Sort of thinking that it would just roll 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okay?","start":1406.14,"end":1407.04,"sentiment":"neutral","sentiment_score":0.13763626168171564}],"sentiment":"neutral","sentiment_score":0.13763626168171564,"channel":0,"num_words":3,"start":1406.14,"end":1407.04},{"sentences":[{"text":"Yep.","start":1407.365,"end":1407.865,"sentiment":"neutral","sentiment_score":0.2632352113723755}],"sentiment":"neutral","sentiment_score":0.2632352113723755,"channel":1,"num_words":1,"start":1407.365,"end":1407.865},{"sentences":[{"text":"Perfect.","start":1409.02,"end":1409.52,"sentiment":"positive","sentiment_score":0.5443276166915894},{"text":"They've probably got the market leading account switching tool.","start":1410.2201,"end":1413.66,"sentiment":"neutral","sentiment_score":0.16277428716421127},{"text":"So if they can't do it, no one can, But I'll investigate that 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very good.","start":1886.0751,"end":1887.135,"sentiment":"positive","sentiment_score":0.7959436376889547}],"sentiment":"positive","sentiment_score":0.7959436376889547,"channel":1,"num_words":3,"start":1886.0751,"end":1887.135},{"sentences":[{"text":"Awesome, Richard.","start":1887.6799,"end":1888.3999,"sentiment":"positive","sentiment_score":0.8247506618499756},{"text":"Thank you so much for your time as always, sir.","start":1888.3999,"end":1890.5,"sentiment":"positive","sentiment_score":0.8436172902584076}],"sentiment":"positive","sentiment_score":0.8404728521903356,"channel":0,"num_words":12,"start":1887.6799,"end":1890.5},{"sentences":[{"text":"Thank you.","start":1891.02,"end":1891.76,"sentiment":"positive","sentiment_score":0.7439070045948029}],"sentiment":"positive","sentiment_score":0.7439070045948029,"channel":1,"num_words":2,"start":1891.02,"end":1891.76},{"sentences":[{"text":"And keep an eye out for my email and then a call from Jack once he's doing the 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a fantastic day.","start":1901.265,"end":1902.645,"sentiment":"positive","sentiment_score":0.7597284466028214}],"sentiment":"positive","sentiment_score":0.7270746111869812,"channel":0,"num_words":5,"start":1901.025,"end":1902.645},{"sentences":[{"text":"You too.","start":1902.7549,"end":1903.2349,"sentiment":"positive","sentiment_score":0.5568844676017761},{"text":"Bye.","start":1903.2349,"end":1903.7349,"sentiment":"positive","sentiment_score":0.3476443886756897}],"sentiment":"positive","sentiment_score":0.487137774626414,"channel":1,"num_words":3,"start":1902.7549,"end":1903.7349},{"sentences":[{"text":"Bye.","start":1904.225,"end":1904.725,"sentiment":"neutral","sentiment_score":-0.1145932748913765}],"sentiment":"neutral","sentiment_score":-0.1145932748913765,"channel":0,"num_words":1,"start":1904.225,"end":1904.725}]},"summary":{"result":"success","short":"Representatives from Oakview and Vanguard spoke with Richard to update his financial documents and provide new investment options. They discussed retirement plans, risk levels, and retirement outcomes. The speakers recommended new portfolios and Vanguard and Azure options, as well as conservative projections and returns. They also discussed updating an account and updating a tax return, as well as updating an investment account and closing a joint savings account. The process of signing and creating a signature was explained, and the speaker will provide information on military pension contributions and follow up once implemented."},"intents":{"segments":[{"text":"I've got your updated advice strategy ready to send through to you.","start_word":21,"end_word":32,"intents":[{"intent":"Update advice strategy","confidence_score":0.12850532}]},{"text":"So I've got the overview statement or advice. Yep. Perfect. So if you just have a scroll down to the fourth page for me, it just goes through the updated scope of advice for this document. Mhmm.","start_word":352,"end_word":388,"intents":[{"intent":"Update advice","confidence_score":0.06777038}]},{"text":"Have they, like, amended it at all, the amounts that they'll be paying for this financial year?","start_word":710,"end_word":726,"intents":[{"intent":"Update income","confidence_score":0.020467412},{"intent":"Clarify account details","confidence_score":0.0041390215}]},{"text":"So that should be pretty easy then. I'll fix that up in the about you section on pages seven and eight.","start_word":863,"end_word":883,"intents":[{"intent":"Clarify timeline","confidence_score":0.00019043805}]},{"text":"Just setting it all clear. liabilities?","start_word":960,"end_word":965,"intents":[{"intent":"Clarify liabilities","confidence_score":0.0033810618}]},{"text":"So the main thing for yours, Richard, is I just wanted to update some of the investments. I've found some options that are a little bit lower fees, a little bit better performing, and that'll just bump things up a little bit.","start_word":1115,"end_word":1156,"intents":[{"intent":"Update investments","confidence_score":0.5995721}]},{"text":"So what I'm basically recommending is an updated portfolio where the first two options there, Benelon and ClearBridge, they haven't been performing as well as the other options. So I'm just getting them switched out. That is Mhmm.","start_word":1393,"end_word":1430,"intents":[{"intent":"Recommend portfolio upgrade","confidence_score":0.29749417},{"intent":"Discuss portfolio performance","confidence_score":0.07400967}]},{"text":"Gold's just being minimized a little bit because it has been quite volatile, and we just wanna keep that as a steady 10%, which is kind of the model portfolio that we built for you. But the Yep.","start_word":1458,"end_word":1495,"intents":[{"intent":"Discuss portfolio volatility","confidence_score":0.018753573}]},{"text":"So you should see a Vanguard option and a BetaShares Yep. Australia 200.","start_word":1551,"end_word":1563,"intents":[{"intent":"Compare options","confidence_score":0.0015593073}]},{"text":"essentially like a a low fee passive replacement of those previous options I mentioned, and that's probably the the major change. K.","start_word":1566,"end_word":1587,"intents":[{"intent":"Discuss future changes","confidence_score":0.000648164}]},{"text":"Now what that kind of does to your super, if you go to page 16, we've got the nice colorful pie chart for the asset allocation there. Yep.","start_word":1588,"end_word":1615,"intents":[{"intent":"Discuss asset allocation","confidence_score":0.10437625}]},{"text":"So again, for balance, you generally float between 60 to 70% in growth assets. By making these changes, it kind of gets you to float around 64%, whereas you're currently sitting at 62 and a half. There is Mhmm.","start_word":1616,"end_word":1654,"intents":[{"intent":"Discuss investment criteria","confidence_score":0.00013180371}]},{"text":"So on the right hand side, you can see a difference section, and the investment fees drop more than 50% with the new options.","start_word":1732,"end_word":1755,"intents":[{"intent":"Reject investment options","confidence_score":0.00006629199}]},{"text":"So on the right hand side, you can see a difference section, and the investment fees drop more than 50% with the new options. So the investment fees based they're they're percentage based, but on Mhmm. your balance, they go from 3,600 to 1,555.","start_word":1732,"end_word":1775,"intents":[{"intent":"Highlight investments and fees","confidence_score":0.00055175787}]},{"text":"At the same time, the five year returns for the updates bring your portfolio from about 8% to 9%. So, again, a little bit of a bump up on returns, a huge reduction in fees, and those two should translate pretty well going forward. Mhmm.","start_word":1777,"end_word":1821,"intents":[{"intent":"Explain portfolio growth and growth","confidence_score":0.008747812}]},{"text":"So, again, not trying to sort of overpromise and under deliver, but I just like to have that conservative projection there as a bit of an alternative for you to consider as well. K. Yep.","start_word":1961,"end_word":1995,"intents":[{"intent":"Offer alternative projection","confidence_score":0.059906065}]},{"text":"But do you have any questions on your portfolio at the moment?","start_word":2041,"end_word":2052,"intents":[{"intent":"Discuss portfolio questions","confidence_score":0.013845763}]},{"text":"Well, that's sort of sort of what space. we were intending. K?","start_word":2343,"end_word":2354,"intents":[{"intent":"Determine plan","confidence_score":0.000018670078}]},{"text":"If we go to page 25, it kind of outlines those steps in the pension refresh for you.","start_word":2403,"end_word":2420,"intents":[{"intent":"Schedule pension refresh","confidence_score":0.000202461}]},{"text":"What we're essentially offering post September is a bit of a a couple's fee discount for you guys. Mhmm.","start_word":2760,"end_word":2778,"intents":[{"intent":"Offer discount","confidence_score":0.38889384},{"intent":"Include fee discounts","confidence_score":0.007103711}]},{"text":"So instead of you paying $9.09 out of the two accounts and Mercia paying 5, it'll just be $6.06 between the both of you each, and that'll probably drop the advice fees by about 1,600 per year.","start_word":2778,"end_word":2814,"intents":[{"intent":"Compare fees","confidence_score":0.26135254}]},{"text":"Now once we get through September, are you okay for the team to send out the updated agreement to you guys? Yes. Cool.","start_word":2932,"end_word":2954,"intents":[{"intent":"Send agreement","confidence_score":0.6277585}]},{"text":"I wasn't sure whether you guys had updated to have your power of attorney in place for each other if you were in hospital or something like that. Don't think so.","start_word":3082,"end_word":3112,"intents":[{"intent":"Update power of attorney","confidence_score":0.05158513}]},{"text":"So it's just a bit of a reminder that, you know, if you go to update the wills, maybe just ask about the power of attorney as well just in case.","start_word":3116,"end_word":3146,"intents":[{"intent":"Remind about wills and power of attorney","confidence_score":0.0010598537}]},{"text":"And, again, so just with the drawdowns, I've included the defense pension, 5% interest from the ANZ accounts, and the minimum drawdowns from the Yep. super.","start_word":3186,"end_word":3211,"intents":[{"intent":"Include defense pension","confidence_score":0.434933},{"intent":"Include interest from anz accounts","confidence_score":0.018510047}]},{"text":"So the month it's open, we we have to deposit the the 300,000. Is that Yeah.","start_word":3304,"end_word":3319,"intents":[{"intent":"Deposit money","confidence_score":0.01639523}]},{"text":"Either you guys can contribute it via BPAY or EFT, which can sometimes have some issues with the banks when it comes to large amounts. We can attempt to debit it as well through the applications. As long as you're comfortable with that, we can attempt to do a debit out of the account as well. Well, yeah. Yeah.","start_word":3331,"end_word":3389,"intents":[{"intent":"Use bapa or eft","confidence_score":0.016338278}]},{"text":"We can attempt to debit it as well through the applications. As long as you're comfortable with that, we can attempt to do a debit out of the account as well. Well, yeah.","start_word":3356,"end_word":3388,"intents":[{"intent":"Debit account","confidence_score":0.21000098}]},{"text":"I will try and use, to make it a bit easier. I'll see if Hub twenty four's account tool that we use for the pension refresh, whether that will allow the investment account to be moved internally to save that.","start_word":3413,"end_word":3452,"intents":[{"intent":"Use dosia super account for pension refresh","confidence_score":9.814798e-8}]},{"text":"I'll see if Hub twenty four's account tool that we use for the pension refresh, whether that will allow the investment account to be moved internally to save that.","start_word":3424,"end_word":3452,"intents":[{"intent":"Use hub twenty four's account tool for pension refresh","confidence_score":0.016644409}]},{"text":"Now because I haven't spoken to Moshe today, I have included, obviously, for both of you guys to sign off on this. And if you wouldn't mind just kind of walking her through it and just letting me know if there's any questions before signing, and I'll just put those implementation options as a note for the team to flag with Hub twenty four.","start_word":3655,"end_word":3718,"intents":[{"intent":"Assist with signature and account switching","confidence_score":0.000058476304}]},{"text":"Now because I haven't spoken to Moshe today, I have included, obviously, for both of you guys to sign off on this. And if you wouldn't mind just kind of walking her through it and just letting me know if there's any questions before signing, and I'll just put those implementation options as a note for the team to flag with Hub twenty four. Okay.","start_word":3655,"end_word":3719,"intents":[{"intent":"Submit and discuss implementation options","confidence_score":0.0004083922},{"intent":"Walk through signature and signature spots","confidence_score":0.004308194},{"intent":"Take notes","confidence_score":0.0018537594}]},{"text":"So the way Odoo works is it'll pretty much because you can scroll through the documents, when you do click to start, it'll kind of bring you to the signature spots to put the signature date and name on there. It'll stamp them.","start_word":3732,"end_word":3774,"intents":[{"intent":"Scroll through documents and pull down","confidence_score":2.4918714e-7}]},{"text":"And then what basically happens is once you've finished that, there's a button that should say next document to allow you to skip through the other three documents. Yeah.","start_word":3802,"end_word":3830,"intents":[{"intent":"Follow up with documents","confidence_score":0.0001944303}]},{"text":"Do you know if there's ever usually any delays with the military in getting that information in there?","start_word":4095,"end_word":4112,"intents":[{"intent":"Request information","confidence_score":0.01162541}]},{"text":"And the other thing too to just consider is anything you need to input from the investment account, we can generate reports and things like that, but Well, that won't it may that be won't worth happen until next financial year, I'm assuming. yeah.","start_word":4148,"end_word":4191,"intents":[{"intent":"Input investments","confidence_score":0.016167767}]},{"text":"I mean, sometimes there's any dividends or distributions that are received into the account need to be included as well.","start_word":4191,"end_word":4210,"intents":[{"intent":"Include dividends","confidence_score":0.337556}]},{"text":"So if it's helpful, what I would suggest is is one, just contact the the lovely tax office who have very short waiting times just to ask about the military pension.","start_word":4240,"end_word":4270,"intents":[{"intent":"Provide advice","confidence_score":0.0007386036}]},{"text":"If I go into the superannuation part of myGov, Yep. it's it's all last year's data. Nothing's been updated Yeah.","start_word":4339,"end_word":4358,"intents":[{"intent":"Update data","confidence_score":0.185567}]}]},"sentiments":{"segments":[{"text":"Hello? Good morning, Richard. Tommy here from Oakview. How are you doing?","start_word":0,"end_word":11,"sentiment":"neutral","sentiment_score":0.2841421365737915},{"text":"I'm good. Thanks. Good to hear. Good to hear. I've got your updated advice strategy ready to send through to you.","start_word":12,"end_word":32,"sentiment":"positive","sentiment_score":0.499216228723526},{"text":"Do you have a few minutes for me Yep. Not a problem. today?","start_word":33,"end_word":45,"sentiment":"neutral","sentiment_score":0.13012108206748962},{"text":"Perfect. Perfect.","start_word":46,"end_word":47,"sentiment":"positive","sentiment_score":0.4547305703163147},{"text":"So I'm gonna pop that through to both email addresses. Mhmm. And just while I'm doing that, do you mind if I go through a quick security check with you? Not a problem. Amazing. Can I just confirm date of birth and address for me, 01/06/1955. sir? Perfect. 17 Maria Court, Pacific Pines.","start_word":48,"end_word":100,"sentiment":"neutral","sentiment_score":0.11477287113666534},{"text":"Amazing. Thank you for that, Richard.","start_word":101,"end_word":106,"sentiment":"positive","sentiment_score":0.5686248540878296},{"text":"How's your morning going, sir? Not too badly. Not too bad. Dealing with the cold. Okay? Yeah. Gotta keep the heater going. Will you have access to the emails to look onto the document with me today, or should I just kind of I should be able to view it while walk we speak. you through what's there? Yep. That'd be great. I'll give you a moment there. It should come through. Usual with our new system, Odoo, that we built for ourselves, it should come up as a signature request, Odoo Financial statement of advice. If this is the first time you've received an Odoo email, it may go to your spam folder, but most of the time, it goes pretty pretty instantly to the main box. Mhmm. And what I've kind of sent through just while you're grabbing that up, so there's a statement of advice, a bit of an appendix with some additional research, and just some updated financial services guides for Oakview because we have updated, you know, privacy policy and licensing information. Yep. Okay. So, yes, I got that email up. Yep. So if you hit the purple button on there, it should bring up the documents to peruse with me. There is again four on there, but the main one is just the statement of advice with the Gold Coast beachfront city picture on it. And just let me know when you can see that there, sir. Mhmm. Yeah. So I've got the overview statement or advice.","start_word":107,"end_word":359,"sentiment":"neutral","sentiment_score":0.07529445348874382},{"text":"Yep. Perfect. So if you just have a scroll down to the fourth page for me, it just goes through the updated scope of advice for this document.","start_word":360,"end_word":387,"sentiment":"positive","sentiment_score":0.3964267671108246},{"text":"Mhmm. And under that blue heading, again, the main thing is we're just trying to simplify the financial structure by closing down the investment account, boosting up the super, and then just making things a little bit simpler for you guys. Again, avoiding having to constantly worry about capital gains tax all the time. Mhmm. And I have compared everything against that retirement goal of the 2,000 per week just to show how the income is looking for you guys. I have included as well a bit of an update to the portfolios like I mentioned. The other two areas on the next page is basically just talking about the investment account being closed down, retaining the cash outside of the 300,000, and just for estate planning. I know you mentioned you were looking to maybe update the wills at some point as Yeah. Yeah. That's mhmm. well. Cool. In the page after that Okay. on Yep. five, Yep. these are the areas that we're not giving advice on. So I'm not obviously giving you recommendations on the military pension or settling at this stage. It's mainly just Mhmm. focusing around being that self funded through the super. Did you manage to get in contact with the DVA about your idea of options for cashing it out yet, or is that still sort of on the cards? Yeah. No. No. I haven't looked into that yet as yet. Cool. So for this document, I've just included that pension in the income calculations just as a bit of an estimate. I know I think you were saying at the end of financial year, you probably hit around 25,000 for the military Yep. pension, so I've just factored that in as a bit of a conservative estimate. Yeah. Yeah. If you I go I actually I've just received the the other day, the email. Input statement from them, my income statement from them. okay. Have they, like, amended it at all, the amounts that they'll be paying for this financial year? So 26,343 Twenty was six my three four three. DRIVV income, and 10,325 26 3,000 10,326 is my disability pension. Yep.","start_word":388,"end_word":747,"sentiment":"neutral","sentiment_score":0.08060670047998428},{"text":"Perfect.","start_word":748,"end_word":748,"sentiment":"positive","sentiment_score":0.6762075424194336},{"text":"Now just for your own information as well, I took out the disability pension because I wasn't sure with all of the capital gains tax issues whether that had actually been closed off due to any assets or means testing. So there's an additional 10,000 there to add on to the income.","start_word":749,"end_word":800,"sentiment":"neutral","sentiment_score":0.08578062802553177},{"text":"But I've basically just based it on the minimum rep minimum pension payments out of the super plus the military pension, and you're still looking pretty well on track there as well.","start_word":801,"end_word":832,"sentiment":"positive","sentiment_score":0.379120796918869},{"text":"So I will just amend it in the background for the extra 10,000. I wasn't sure if they're still paying that to you. That's all. Yeah. Yeah.","start_word":833,"end_word":859,"sentiment":"neutral","sentiment_score":0.03864185884594917},{"text":"That's continuous. Perfect. So that should be pretty easy then.","start_word":860,"end_word":869,"sentiment":"positive","sentiment_score":0.5985655784606934},{"text":"I'll fix that up in the about you section on pages seven and eight. In your assets and liabilities on page eight, I've just included the three accounts for hub 24 and your main residence, the savings that you had in ANZ. And I have factored in just a little bit of interest for ANZ as well because, obviously, those are still staying in savings, and the interest sort of factors into the income as well. Do those figures look okay on page eight there under assets and Just yeah. Just setting it all clear. liabilities? Yeah. That looks it's been right. Is that right? Mhmm.","start_word":870,"end_word":975,"sentiment":"neutral","sentiment_score":0.1937355250120163},{"text":"Perfect.","start_word":976,"end_word":976,"sentiment":"positive","sentiment_score":0.3656768798828125},{"text":"As well as that so on pages nine and Yep. 10, we've got the current risk level for the investments, which is that balanced risk level. We weren't changing anything there, but what I have done is for the retirement projections, I've just put in there a conservative estimate.","start_word":977,"end_word":1025,"sentiment":"neutral","sentiment_score":0.10455060005187988},{"text":"So even though the balance funds were returning about that 9% mark, I have based the retirement projections on a 5% conservative figure just in case if we did drop it down to something a bit more safe just to show that even if we did that, it would still be on track.","start_word":1026,"end_word":1078,"sentiment":"positive","sentiment_score":0.3897248506546021},{"text":"Yep. Mhmm. So if you go to page 11 there, this is probably the first of the very wording heavy pages that I'll summarize for you, but it should be under a heading strategy recommendations. Yep.","start_word":1079,"end_word":1114,"sentiment":"neutral","sentiment_score":0.152773916721344},{"text":"So the main thing for yours, Richard, is I just wanted to update some of the investments. I've found some options that are a little bit lower fees, a little bit better performing, and that'll just bump things up a little bit. Now because you're in a full account based pension, there's no capital gains tax for the super to switch around investments, which is really good. So that's essentially what that page is saying, just showing that we we factored in all of these changes into the retirement projections as well. And what I basically put in there is at the end of all the recommendations, which is, again, closing the investment, the 300,000 going into Mercia's fund, and the military pension, I've just included those minimum pension payments out of the super and how that kind of compares to your retirement goal.","start_word":1115,"end_word":1258,"sentiment":"positive","sentiment_score":0.499776691198349},{"text":"Mhmm. So I think it's about 4,356 per fortnight all up. And then if you add on the 10,000 for the disability pension, Yep. a fortnight out of 4,000 that you need. Mhmm. Cool. Now a very interesting thing, if you keep going down, h twelve's got advantages and disadvantages in terms of lower fees, maintaining the risk level, and so on. Again, just a flag that the stock market will kind of do what it does. We can't control the weather, but I'm just trying to pick the most quality investments I could. And when you get through to that section, if you could please just pop through to page 14 for me, there's a bit of an investment options table. Quite a lot of figures in red on there. 14. Yep. Yep. So what I'm basically recommending is an updated portfolio where the first two options there, Benelon and ClearBridge, they haven't been performing as well as the other options. So I'm just getting them switched out. That is Mhmm. some Australian shares. The beta shares high interest cash account's getting bumped up tiny bit just to kind of rebalance everything. A bit of battery tech going. Gold's just being minimized a little bit because it has been quite volatile, and we just wanna keep that as a steady 10%, which is kind of the model portfolio that we built for you. But the Yep. main difference is just the bottom few rows. So the the core amounts in your bonds portfolio is gonna be there for 25%. That's the safer side. The American shares are gonna be there at 22%.","start_word":1259,"end_word":1531,"sentiment":"neutral","sentiment_score":0.09570591907688986},{"text":"That's pretty standard.","start_word":1532,"end_word":1534,"sentiment":"positive","sentiment_score":0.5183970928192139},{"text":"And then on the next page is the two new options that I'm I'm mixing in. So you should see a Vanguard option and a BetaShares Yep. Australia 200. That's Mhmm. essentially like a a low fee passive replacement of those previous options I mentioned, and that's probably the the major change. K. Now what that kind of does to your super, if you go to page 16, we've got the nice colorful pie chart for the asset allocation there. Yep. So again, for balance, you generally float between 60 to 70% in growth assets. By making these changes, it kind of gets you to float around 64%, whereas you're currently sitting at 62 and a half. There is Mhmm. a little bit of cash in your fund that kinda needs to be invested, but that's just it kind of fluctuates with Okay. all the dividends that you just received from end of financial year, so those will be invested pretty soon as well. Okay? Mhmm. So risk level won't change. If you look at the next page, we've got the fee comparison there. And there's just a couple of things I wanted to note as well. So on the right hand side, you can see a difference section, and the investment fees drop more than 50% with the new options. So the investment fees based they're they're percentage based, but on Mhmm. your balance, they go from 3,600 to 1,555. Mhmm.","start_word":1535,"end_word":1776,"sentiment":"neutral","sentiment_score":0.09692349441903682},{"text":"At the same time, the five year returns for the updates bring your portfolio from about 8% to 9%. So, again, a little bit of a bump up on returns, a huge reduction in fees, and those two should translate pretty well going forward.","start_word":1777,"end_word":1820,"sentiment":"positive","sentiment_score":0.5343535542488098},{"text":"Mhmm. If you go down now I do apologize for the amount of figures in these tables here, but on '18, we've got a bit of an updated projection here. Yes. Now if you continue to get a 9% return, the balance will go up compared to what you're drawing down, which is at 5% based on age. The drawdown calculator there below, that just shows you the balance going down over time if you were in a conservative portfolio and how long the funds would last. So, obviously, if you keep getting a balanced return, the funds will grow above what you're pulling out. If we dropped it right down to the lowest risk level, they would start to go down. Mhmm. But by the end of age a 100, you'd still have a couple 100,000 left Yep. over. So, again, not trying to sort of overpromise and under deliver, but I just like to have that conservative projection there as a bit of an alternative for you to consider as well. K. Yep.","start_word":1821,"end_word":1995,"sentiment":"neutral","sentiment_score":0.08215104043483734},{"text":"Super because, obviously, you're at 5% now.","start_word":1996,"end_word":2002,"sentiment":"positive","sentiment_score":0.4630022346973419},{"text":"When you hit 75, it'll bump up to six percent. And Mercia's still got a couple of years at the 4%.","start_word":2003,"end_word":2023,"sentiment":"neutral","sentiment_score":0.29873088002204895},{"text":"Cool.","start_word":2024,"end_word":2024,"sentiment":"positive","sentiment_score":0.4112780690193176},{"text":"From there, we go down to the sell down of the investment and the pension refresh. But do you have any questions on your portfolio at the moment? Mhmm. No.","start_word":2025,"end_word":2054,"sentiment":"neutral","sentiment_score":0.07701123505830765},{"text":"No. I don't need some.","start_word":2055,"end_word":2059,"sentiment":"negative","sentiment_score":-0.37817418575286865},{"text":"It seems Cool. okay. Alright. So $70.74, I go up to 6%. 75. Sorry.","start_word":2060,"end_word":2073,"sentiment":"neutral","sentiment_score":0.09201580605336598},{"text":"Perfect.","start_word":2074,"end_word":2074,"sentiment":"positive","sentiment_score":0.49563127756118774},{"text":"Yeah. That's Okay. right. Yep. I see.","start_word":2075,"end_word":2081,"sentiment":"neutral","sentiment_score":0.2928552031517029},{"text":"Cool.","start_word":2082,"end_word":2082,"sentiment":"positive","sentiment_score":0.4971756935119629},{"text":"And I have factored that in in the drawdown as well, just stepping Yeah. it up over time. Yep. The page 21, so we've got the sell down of the IDPS. Now please take this with a grain of salt, but we did a Hub twenty four has an automatic capital gains tax calculation where they basically say for the total account sell down, it's looking at 7,000 based Yep. on a maximum tax rate of 47%. Yep. But, again, with you guys, you're, again, splitting it between the both of you, and your income level's not that high, so you're not gonna be paying the full the full rate. So that's kind of a bit of a maximum estimate there for you. Yep. Cool. So once that gets closed down, if you go to pages 23, I'm not sure if you're used to how a pension refresh works within super. No. It's not. Not really. So all we're basically doing is that once the the IDPS gets sold down, we're essentially opening a super account to receive those contributions of the 300,000. We roll back the pension into there as well so it pulls into one figure and then move that entire Mhmm. amount back into the pension. Otherwise, you're gonna have two pension accounts running side by side with different payments, different dates, different calculations. So Hub twenty four has got a really cool tool where we can just kind of open an account, move it back and forth, and then you're back in the new Okay. Yeah. Well, that's sort of sort of what space. we were intending. K? Exactly. And with the 300,000 again, because that's going in nonconcessionally, it's post tax dollars, goes into the tax free portion. So for any estate planning, there won't be any taxes on on passing that over as well. And, of course, it's gonna boost up the super. If we go to page 25, it kind of outlines those steps in the pension refresh for you. And I've just listed that under Merci's heading. Yep.","start_word":2083,"end_word":2428,"sentiment":"neutral","sentiment_score":0.12184706345372806},{"text":"And, again, I've just said anything outside of the 300,000 will be kept in cash for any expenses and taxes to be paid, and then that should go in. I've kind of repeated the retirement outcome on page 26 for the best interest duty, which is essentially just all of those income amounts added together compared against the goal just because I'm kind of advising both of you guys. So I've just Mhmm. repeated that same information. And in addition to that, I've recommended the same portfolio for Mercia just so that you guys are in similar investments so you don't have to worry about too many differences between the two accounts. Fair And, again, same thing.","start_word":2429,"end_word":2545,"sentiment":"positive","sentiment_score":0.4220787286758423},{"text":"The underperforming funds are getting removed. There's a rebalance of the remaining options, and there's an inclusion of a couple of lower fee options there as well. enough. And then, again, the same tables are repeated for her. Asset allocation on page 32, 64 same as yours. The returns and fee differences there as well. But, Richard, if you could go down to page 33 for me, I just wanted to walk you through a bit of a change on the advice services. You should see a fee comparison table there as well. Page is 33. 33. Yep. Yep. Got it. Now the current agreement that you guys are under, there's a split of fixed fees between the three accounts. So, Mhmm. essentially, Mersha's is on 4,950. Yours is about the 7,000 mark, and then there's a portion going out of the investment account. I just wanted to let you know that the agreement, the fixed term agreement for those three accounts, that doesn't expire until September. So Mhmm. once the investment account closes, those fees will cease, and you guys will remain on the remainder of the fixed fees up until the end of September. And I was sort of thinking about how to balance that with the two accounts going forward. What we're essentially offering post September is a bit of a a couple's fee discount for you guys. Mhmm. So instead of you paying $9.09 out of the two accounts and Mercia paying 5, it'll just be $6.06 between the both of you each, and that'll probably drop the advice fees by about 1,600 per year. But I have not included any updated service agreements with this document. It's just a flag that once your fixed term agreement ends in September, I would like to get you on the lower fee agreement with OPU. Mhmm. Post that point, Sevi and Bart are working on a bit of a a tiered fee structure as well. So most clients above 200,000 next year will start to get some discounts as well, just a reduction of percentages. So I've factored in that new low fee couples discount just for the projections purpose. But, again, your fixed agreement still runs for another couple of months, so I'm just leaving that until that ends. Fair enough. K? Mhmm. Now once we get through September, are you okay for the team to send out the updated agreement to you guys? Yes.","start_word":2546,"end_word":2953,"sentiment":"neutral","sentiment_score":0.14315137935473635},{"text":"Cool.","start_word":2954,"end_word":2954,"sentiment":"positive","sentiment_score":0.4115194678306579},{"text":"And, basically, when that goes through, just have a read through, make sure you're comfortable with it. I'll try and get them to include what the previous fixed fee agreement was compared to the new one just so you can compare the two.","start_word":2955,"end_word":2997,"sentiment":"neutral","sentiment_score":0.2891126573085785},{"text":"Make sure you you still feel there's value for money there.","start_word":2998,"end_word":3008,"sentiment":"positive","sentiment_score":0.48707273602485657},{"text":"And if you have any questions before signing, just give us a buzz.","start_word":3009,"end_word":3021,"sentiment":"neutral","sentiment_score":0.2396882325410843},{"text":"Yep. Perfect. Ends the projection calculators here as well.","start_word":3022,"end_word":3030,"sentiment":"positive","sentiment_score":0.43997257947921753},{"text":"Again, with Marsha adding 300,000 to her account, the projections look quite quite large on page 34 for her. Mhmm. Yes. But the main one I wanted to show you is if you keep going down a bit further, we've got some estate planning and wills after that. Power of attorney. I wasn't sure whether you guys had updated to have your power of attorney in place for each other if you were in hospital or something like that. Don't think so. Yeah. Cool. So it's just a bit of a reminder that, you know, if you go to update the wills, maybe just ask about the power of attorney as well just in case. I know it's pretty common these days for Mhmm. the the spouse to be included pretty quickly with doctors and the like, but it's probably the most surefire way of avoiding any probate or any issues there Yep. as well. And, again, so just with the drawdowns, I've included the defense pension, 5% interest from the ANZ accounts, and the minimum drawdowns from the Yep. super.","start_word":3031,"end_word":3211,"sentiment":"neutral","sentiment_score":0.06056808869647716},{"text":"Cool.","start_word":3212,"end_word":3212,"sentiment":"positive","sentiment_score":0.3800067901611328},{"text":"Services at the back, some steps for implementation at the back as well on pages forty seven and forty eight, which is essentially the steps that we'll be undertaking, and you're pretty used to it as well. So once that investment account gets sold down, the money will come out to the bank. If you guys can make that contribution into Mercia's super account once we open it, then we will do the pension refresh. So, basically, I will get Jack to open up that super account to hold those contributions. So the month it's open, we we have to deposit the the 300,000. Is that Yeah. what you're There's saying? a couple of ways to do it. Either you guys can contribute it via BPAY or EFT, which can sometimes have some issues with the banks when it comes to large amounts. We can attempt to debit it as well through the applications. As long as you're comfortable with that, we can attempt to do a debit out of the account as well. Well, yeah. Yeah. I think they lost. Sort of thinking that it would just roll over from the investment into the the new pension account. Yeah. I will try and use, to make it a bit easier. I'll see if Hub twenty four's account tool that we use for the pension refresh, whether that will allow the investment account to be moved internally to save that. It's just something that I need to we haven't done an investment to superint pension before. It's a triple account movement. So I Hub twenty four technical team and check that. But if that's the way that we can do it, I'll make sure that's the way it happens. And if not, I'll get Jack to let you know if we have to do a withdrawal and recontribution. Yeah. Yeah. Okay. Is that okay? Yep.","start_word":3213,"end_word":3527,"sentiment":"neutral","sentiment_score":0.10427314608343063},{"text":"Perfect.","start_word":3528,"end_word":3528,"sentiment":"positive","sentiment_score":0.5443276166915894},{"text":"They've probably got the market leading account switching tool. So if they can't do it, no one can, But I'll investigate that straight Alright. away. Okay. And then the balance will just go into a joint savings account? And that's what I was thinking too is because if we did a account switch from the investment into the super, the way to do it then so the full $34,350,000 would move into from account to account. We would then have to do, like, a withdrawal for the Okay. Yeah. Yeah. Yep. remaining balance. And if that doesn't work, we will do an account closure Mhmm. followed by a contribution. Fair enough.","start_word":3529,"end_word":3639,"sentiment":"neutral","sentiment_score":0.01262075174599886},{"text":"Awesome.","start_word":3640,"end_word":3640,"sentiment":"positive","sentiment_score":0.4499639868736267},{"text":"Any questions for me so far, Richard? Not I think that's covered it.","start_word":3641,"end_word":3653,"sentiment":"neutral","sentiment_score":0.06700583547353745},{"text":"Cool.","start_word":3654,"end_word":3654,"sentiment":"positive","sentiment_score":0.3898853659629822},{"text":"Now because I haven't spoken to Moshe today, I have included, obviously, for both of you guys to sign off on this. And if you wouldn't mind just kind of walking her through it and just letting me know if there's any questions before signing, and I'll just put those implementation options as a note for the team to flag with Hub twenty four. Okay. So I hit this click to start to start the signature. Yeah. So the way Odoo works is it'll pretty much because you can scroll through the documents, when you do click to start, it'll kind of bring you to the signature spots to put the signature date and name on there. It'll stamp them. You can click on it to draw it if you would like to try and match it to your ID, but the stamp is okay for us. And then what basically happens is once you've finished that, there's a button that should say next document to allow you to skip through the other three documents. Yeah. What I've what I've done previously with electronic signing, I've I've got a an image of my signature. Yes. So I just That can be used as copy well. and Though. paste. Yeah. So when you get to that signature box, what will happen is it'll stamp your name as a signature on the box, but then if you actually click on it, it'll give you the option to either draw a signature or upload an image.","start_word":3655,"end_word":3907,"sentiment":"neutral","sentiment_score":0.13718057067497916},{"text":"So that should work pretty well.","start_word":3908,"end_word":3913,"sentiment":"positive","sentiment_score":0.5467418432235718},{"text":"It's pretty similar to DocuSign. Yep. Mhmm. Okay. I'll I'll get on to that.","start_word":3914,"end_word":3927,"sentiment":"neutral","sentiment_score":0.21547000110149384},{"text":"Easy done.","start_word":3928,"end_word":3929,"sentiment":"positive","sentiment_score":0.4176142811775207},{"text":"Just as And a just as Yes, sir. a I don't know if you would know, But I was thinking I've got to do my tax return, obviously, this year. Yep. And this I've only got my superannuation and I've got my superannuation for my DFIDB my DFIDB and a bit of interest from the bank.","start_word":3930,"end_word":3985,"sentiment":"neutral","sentiment_score":-0.04528241977095604},{"text":"So I don't want to be bothered paying paying hundreds of dollars to bloody tax.","start_word":3986,"end_word":4000,"sentiment":"negative","sentiment_score":-0.48439857363700867},{"text":"Yeah. Bloody. So I think but I've I've gone through like, you could do it in my gut? yeah. And I go through there, and they've already loaded the the interest from the bank. They've loaded the disability pension Yeah. that's already in there. But the DFRDB, the 26,343, that hasn't shown up pre Oh, preloaded, that's a bit and I can't see where to to add it in.","start_word":4001,"end_word":4069,"sentiment":"neutral","sentiment_score":-0.16306042671203613},{"text":"strange. It's strange that they wouldn't preload it in there for you, and to add an entire ring income in would be a bit strange.","start_word":4070,"end_word":4094,"sentiment":"negative","sentiment_score":-0.5101670622825623},{"text":"Do you know if there's ever usually any delays with the military in getting that information in there? Well, I wouldn't think so because the pension is already in there. The disability pension part of it is Yeah. already loaded.","start_word":4095,"end_word":4134,"sentiment":"neutral","sentiment_score":-0.22754433751106265},{"text":"Why the the pension the VFRDP pension isn't? That's a bit strange.","start_word":4135,"end_word":4146,"sentiment":"negative","sentiment_score":-0.4270342290401459},{"text":"And the other thing too to just consider is anything you need to input from the investment account, we can generate reports and things like that, but Well, that won't it may that be won't worth happen until next financial year, I'm assuming. yeah. I mean, sometimes there's any dividends or distributions that are received into the account need to be included as well. So even if you're not selling the investments and getting a a capital gains tax event, you know, dividends from shares and things like that can still be included. So if it's helpful, what I would suggest is is one, just contact the the lovely tax office who have very short waiting times just to ask about the military pension. But I will get some reports generated from Hub twenty four about the investment account because everything that goes from those reports into a tax return Yeah. has codes, and the codes match the the software. Now once that's closed, next year will be very, very simple. But, again, I believe some distributions would need to be included. Yeah. Well, the yeah. And that was another thing. Right? If I go into the superannuation part of myGov, Yep. it's it's all last year's data. Nothing's been updated Yeah. in in They're my a bit go for slow. it. So I guess I'm just there's jumping no on. no real rush for that this year. No. Okay. Cool. Richard, I'm gonna get these reports. It's gonna look a little bit intimidating when I send through these hub reports for the investment account just because they're they're quite large, Yep. but there's some summaries in there that should be easier for the return. So I'm sorry. I don't know the answer for the military pension, why that's not included, or how to add it, but I'll get you everything that you need when it comes to the investment account.","start_word":4147,"end_word":4467,"sentiment":"neutral","sentiment_score":0.04091046750545502},{"text":"Okeydoke. Fantastic. Any questions at all, mate, just give us a buzz back.","start_word":4468,"end_word":4480,"sentiment":"positive","sentiment_score":0.4254333972930908},{"text":"But we will be reaching out once we flag exactly how to implement the account switching, and I'll get Jack to let you know what Hub twenty four says. Yes. Okay.","start_word":4481,"end_word":4511,"sentiment":"neutral","sentiment_score":0.11915194243192671},{"text":"So you Amazing.","start_word":4512,"end_word":4514,"sentiment":"positive","sentiment_score":0.4174916446208954},{"text":"don't need to talk to us about any I of this just stuff. wanna I make just sure, I a, just that get she her understands what we're to doing just yeah. Yeah. and Yeah. any Get questions her to sign as well. it. Yeah. Okay.","start_word":4515,"end_word":4560,"sentiment":"neutral","sentiment_score":0.09545019268989564},{"text":"Cool. All very good. Awesome, Richard. Thank you so much for your time as always, sir. Thank you. And keep an eye out for my email and then a call from Jack once he's doing the implementation.","start_word":4561,"end_word":4597,"sentiment":"positive","sentiment_score":0.5840514302253723},{"text":"Yep.","start_word":4598,"end_word":4598,"sentiment":"neutral","sentiment_score":0.321233868598938},{"text":"Thank Thank you, you. mate. Have a fantastic day. You too. Bye.","start_word":4599,"end_word":4610,"sentiment":"positive","sentiment_score":0.6489476561546326},{"text":"Bye.","start_word":4611,"end_word":4611,"sentiment":"neutral","sentiment_score":0.2447160929441452}],"average":{"sentiment":"neutral","sentiment_score":0.1310861267467022}}}}