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I had you booked in just to go through your updated statement of advice to look at switching those investments out. Is now still a good time there for you? Yep. Oh, fantastic. Do you happen to have access to your emails at the moment? If you don't, that is honestly okay. It's just normally it's easy to go through the document together. That's all. Oh, you're driving. No. That's okay. Not a problem at all. What I can do for you is I'll run through the recommendations, try to keep them as simple as possible, give you the information that I need to. I have sent you an email, so the documents are in your email for you to have a look at later, and then we'll just get you assigned and return that back to have the implementation completed for you. Okay? Yeah. Yeah. Nice and easy. All good, Matthew. Now before I jump into the code, I do have to do a quick security check there with you just to confirm your full name, your date of birth, and address I have on file, and also just to confirm you're comfortable with us recording the call as well. Yep. Fantastic. Excellent. Thank you so much. So, essentially, just sort of going back, we did your annual review a few weeks back, and we wanted to maybe look at switching out some underperforming investments there. Essentially, your super goal is that you wanna see you're in super working harder. You're looking to seek as lower fees as possible to make sure you are able to have a comfortable retirement there. What we're looking to sort of do is look at switching out, as I said, some underperforming investments. So I went back and had a really good look at how everything was performing. We did note in the annual review that that was underperforming quite significantly, and we don't want you to be in anything underperforming at this point in time. Your super needs to be working harder for you. So what I've essentially recommended is that we do retain Hub twenty four. I did look at Hub twenty four as a super fund. There is absolutely nothing wrong with it. It is still a great platform, and the platform does yeah. Yeah. It does still hold a lot of investments. This platform does actually hold a lot more investments than other platforms do, which kinda gives you the benefit of being able to switch out investments when we need to. What we are looking to do is we are going to essentially sell off the battery and lithium tax, the ban along Australian equities. The bank hybrids also are gonna be completely sold down, and the China new economy is also being completely sold. We are then going to just sell off portions or rebalance the cybersecurity, the S and P 500, which is your US exposure, and also completely removing the Van Ness property, and then just also the Raffy 200. Essentially, removing those investments completely, does mean that we're moving you into a portfolio that is lower cost and also has performed a lot better. We are, as I said, keeping the cybersecurity and the S and P 500, but you're a little bit overexposed in exposed in those areas at the moment. So we're just rebalancing those back for you. Essentially, once we've completed those sell downs, we're also going to buy more of the physical gold. At the moment, you've got about 8% in there. We wanna hold about 10% for purchasing more physical gold, which has done really well for you as well. We're also then going to buy into some European exposure for giving you access to all European company and country. We've got some Japanese exposure in there. We're also looking at the all world ex except The US. So it's a index that a Vanguard index that tracks the entire globe minus The US, and that is giving you diversification. So one of the important aspects to making sure to mitigate risk is to diversify and essentially buy into as many different countries and asset classes as possible. So the Vanguard All World Index does that. This is excluding The US exposure because we hold the S and P 500, but we're gonna buy into the All World for you. And then we're also gonna replace the Van Along equities, the one that's been underperforming with the BetaShares a 200. So as I kind of personally explained last time, Vandalon was more of an actively managed fund, and they generally hold anywhere between 15 to 25 different investments within that managed fund there. By selling that out, we're removing the underperforming investments, but we're also buying into the a 200, which is giving you exposure to the top 200 companies on the ASX. So it's giving you greater diversification to help lower your overall risk. And then also the BetaShares a 200 is more passively managed, so it's actually a cheaper fund to hold. So it does save you in fees, which is important as well. Okay. Yeah. Essentially, then we also wanna hold some lower risk defensive investments there. So we're also gonna keep the core composite bonds. These essentially are government and corporate bonds. Low risk defensive investments are really important for, you know, a little bit of risk mitigation as well, sort of taking care of and looking after the downside when the equities don't perform as well. We only wanna hold about 14% of this investment here. One of the good thing about core composite bonds is it is giving you income. So bonds and these sorts of fixed interest do pay out income on a regular basis. That income is paid into your cash account of your super fund, and that can be reinvested back into your portfolio for compounding effect, which is really important there. Okay? That is a basic break down here. Yeah. Absolutely. Yeah. Compounding, that is the most powerful thing we have access to. Any growth or income that we have that we're able to cement have all that staying within the super system and reinvest it back into the portfolio for you for that compounding effect. Absolutely. Yeah. The other thing we are looking at doing, I know we also talked about retaining your military super. I have, as a part of the recommendations, made a recommendation to retain that at to the age of 60. As you're reading through that document there, I have added a bit of information around military super advantages, disadvantages, and risks involved so that you do get as much information as possible because it is a really great super fund, and it is it does. It does. It absolutely does. It is absolutely. You deserve well well more than what you've got, but look, take anything you can get. Absolutely. With the investment profile, so we did also you were in a high growth kind of environment, and we did talk about reducing your risk level a little bit as well because you are getting closer to accessing super. Unlike your military super, super within the hub twenty four fund is subject to massive fluctuations. So it is important to start reducing your risk level back a little bit. So part of this portfolio is about reducing that risk level by 10%. We're bringing you from the high growth portfolio environment to more of a growth environment. It's a bit of a step down, and it's always easier to start reducing risk gradually, taking those 10% step down. But I wanna make sure the portfolio is still working for you. So when we look at the five year rolling average of the last portfolio you were in, it was averaging about 10.47% on a yearly basis, which is absolutely fine. But the growth portfolio that we're moving you into is actually cheaper. It's expected to save you $445 in investment fees for the first year and has average when we look at a five year rolling average 11.72. So reducing risk, still keeping those returns really, really good, and also reducing the fees in the in the super fund as well. Does that make sense? Yeah. Now it's important to let you know that we do the research around, and your super fund like you does a tax return every year. To make the switch of the investments, we have noted the super fund will cover CGT, and it's estimated to be $1,258. But with reducing the fees and the greater growth that this portfolio has seen, you could make that money back nice and quick as well. Does that all make sense, and do you have questions at all so far? No. Correct. There's always going to be fees with every super fund, every type of investing. You always will pay fees. Fees aren't necessarily a bad thing. I've always been under the impression and have learned very, very highly over the years that you have to spend money to make money. So to have the investments, to have diversification, you do have to have enough investments, and that does cost money in management fees. The super fund platform also has an admin fee, and we also charge an ongoing service fee. But as long as your super fund is working and the returns cover the fees plus additional growth, then you're working then fees plus additional growth, then you're working then it's working to your benefit there. So and that's important to keep reviewing to make sure the super fund is working for you, that the investments are continuously working, and we keep reviewing those and moving forward. I know this portfolio you were in a while ago was sort of changed, but, you know, over the course of time, investments change. So what you might have been in six years ago might not be appropriate and might need to change as the market continues. If we keep reviewing your super in the next year, two, or three years, what you're in now might also need to change as the markets evolve, as trends evolve within the market. But, also, as you get closer to accessing super, as your risk level needs to decrease, we'll keep altering the portfolio as well. So it's a bit of a juggling act between getting returns and growth, taking risk, and also making sure things are working harder and covering the cost of fees. But, essentially, having it all reviewed on a regular basis can mean it works harder for you long term. Okay? Yeah. Now because we have got a projection in there for you, and it does show by making the changes over the next five to ten years, you can see yourself in a much better position. Essentially, under the current scenario, over the next ten years, you could see yourself with about 363,000 by taking on the advice and over the next ten years seeing a greater level of return saving on fees. We could actually see you with a bit over 400,000, the super fund there. So that's compiled with your military super could definitely provide much greater benefit. And long term does put you in a a better position to be able to meet your target in retirement. So drawdown income, we're working on at the moment about $1,000 on a weekly basis. So when we look at the projection forward by making the changes, and this is not including your military super yet because we can't project out how much you're gonna end up with at the age of 60. Unfortunately, they don't give out the the increased interest the the rate of return that they utilize every year that's determined internally. But just your hub 24 based on the level of projected outcome and the eligibility for Centrelink down the track as well, you could be able to retire at age 65, draw a thousand dollars on a weekly basis, then from age 67 also access Centrelink. And between the two, essentially be able to keep your super working till about age 90, which does give you longevity, and does at the moment, your target income is slightly under by about $3,000 on a yearly basis. But as I said, it's not including military super. You've already got a good military super balance in there. So when we mix that with hub twenty four and then look at the drawdown, you could absolutely have your super working harder with some Centrelink in there as well, and being able to access super and draw income to about the age of ninety ninety one at the moment. Okay? Yeah. And once you kind of hit the age of 60 as well, there are other strategies that we can put in place where we can be increasing contributions and accessing some of your super to kind of compounds when you do reach the yeah. Absolutely. When you do kinda hit that age bracket, we'll have more of a conversation around what those sorts of strategies look like, and I'll look to implement those for you to make sure we're boosting super as much as possible. Okay? Yeah. That's correct. That's it. That's it. Some people have ten years. Other people have forty years. No. Of course not. Yeah. Yeah. Absolutely. Absolutely. And, look, Matthew, if you decide at age 60 you don't wanna work any longer and you wanna retire, you let me know, and I'll work out what I can do strategy wise to make it work for you. You don't have to work to the age of 65. It's essentially when you want to retire, and there's no set balance as to what someone needs to retire on. It's essentially what is right for you and your goals. So if you say, right, at 60, I I wanna retire. I've had enough. I've worked my life. I'm done. I will then look at what your super balance is, what we can do with the supers, whether we can consolidate them, how we draw down income to supplement you up until age 67. And then we look from 67 what kind of eligibility you're able to get to supplement and how we pull back on super and how long that lasts. So that's all the kind of advice that I do provide and I can help you with, and we just look at what you need to live on at that point up until you get to retirement. We sort of focus on it tends to be, for most people, a thousand dollars a week because we don't know what we're gonna need to live on. But when you get closer to that, you and I can look at a budget planner. We can talk about your expenditure, work out what you actually need to live on on a weekly basis, look at how long that survives, but then keep reviewing it to make sure that it's working and lasting as long as possible. Because you are right. Some people have one or two years in retirement. Other people have forty years. It's a whole another lifetime. So it's about just making sure it works for you as long as possible. All good. The only other thing I wanted to make mention was we talked about your beneficiary nominations. So because you did have, obviously, you won a 45% to Emma, 45% to Hannah, and also 10% to your sister. We talked about updating the beneficiary nomination to legal personal representative, which means in the event of you passing, a 100% of your super gets paid to your estate, which has your will done up, and your will you made mention has those percentages set out correctly. Is that still correct? Yes. Yeah. Perfect. So I am recommending we update your beneficiary nomination the same as we spoke about and have your super directed to your estate in the event of passing, mainly because as we kind of went through, your daughters do they are beneficiaries and are absolutely fine, but your sister isn't technically under the legislation. So if she was to go and claim that 10% against your super, that would come back. Essentially, they say you're not eligible. It's not a valid nomination. And then that 10% goes through a probate process, which means that she's there's less, like, a chance that she may not get that money at all. Absolute absolutely. So having it set up to the LPR and having your super in the event of you passing paid to your estate, it means that that super money is paid to your will and then is distributed as per your will. That's a much more streamlined process, and it means that all of your beneficiaries, including your sister, will essentially get be able to claim that money much easier. Does that make sense? Yeah. Absolutely agree with you. You've worked too hard. Yeah. Yeah. Yeah. It's not it's a long process, and you're arguing with court systems and lawyers, and it's just a mission. My my husband's family are doing that at the moment, and it's really a difficult process. I don't envy it in any way, shape, or form. So I'm sorry. Absolutely. So now look. Structuring this nomination this way is the best way to do it. It means that the super will go to your estate and then can be distributed as per your wishes in your will. It is a much more streamlined process. It means your sister is more likely to receive her 10%. And it actually works out well because your super is then put into your estate with the rest of your assets. It's also lumped together, and then everything is claimed as one. So it all goes through the normal state process. The tax return is completed, and then your trustee, you know, pays out. Your executive pays out to each beneficiary correctly in the percentages nominated. So it just works out easier for you. At the end of the day, a nomination is also just a protection in the event that something happens. Ultimately, I want you to get to retirement, enjoy your money, and, you know, live as long as you possibly can. So we'll but if you're comfortable, my team can my team can help by pre filling the nomination and send it to you. Is post or an email better for yourself? I can do both if you prefer. We can do both if it's easier. We can send email and post. Yeah. Absolutely. Not a problem. We'll get that sorted for you. That is essentially the the rundown of the advice there. When you get some time, have a look in your email, open the advice document up. It does outline the advantages, the disadvantages, the risks involved of each of the strategies. I've also got the best interest duty there, which outlines why each of these recommendations are in your best interest. I've got also a little bit of a retirement projection there. So I limited scoping the retirement aspect to sort of show you where you're tracking for because, you know, you've worked really hard. You deserve to see the light at the end of that tunnel so far. And then we'll just keep reviewing things and moving forward. With your annual review docs that went out the other week, it looks like we had some trouble downloading those documents. So I've had to reupload the tax file opt in form and your ongoing service agreements. They are also attached. Once you've read through the document, if you have questions, come back and let me know. There is no such thing as a silly question. You're welcome to ask anything you like. And if you read through it and decide you're happy to take the recommendations, we'll get you to sign all those documents and send them back to us, and we can have those investments which is placed for you nice and quickly. Okay? All good. Is there any questions that might have come out of that so far, Matthew? I know it can be difficult when I'm talking to you. Yeah. Beautiful. Absolutely. And did you want me to do a bit of a catch up with you in the next sort of six months to see how things are tracking, or would you like this to twelve month catch up? What would you like down the track? Yep. Still working? Yeah. Absolutely. Not a problem. I will put that in my calendar, and my team will touch base in six months to book you in. And, yeah, just have a look through the documents there. I have also added some issues. Depends on how much reading you like, I suppose. But I've got some product disclosure statements and some additional information attached there for you in relation to the recommendations I've made. If you wanted to run through the PDFs and have a bit of a look at hub 24 and CSC for information, which is the military super, you're welcome to have a look through those as well. Okay? Awesome. I will let you go, Matthew. Thank you so much for your time. But if there's any questions that come out of that document, don't hesitate to give me a call. Okay? My pleasure. Enjoy your day. Enjoy your week. You're off this week. Is that right? Yep. Yeah. Oh, yes. Yeah. Yeah. You told me that last time, and how's that going? Is it being progressing nicely? Or fantastic. Oh, I love that. Fantastic. Oh, that's excellent. Yeah. Well, good luck. I'll keep in touch with you. We'll talk in the next six months. And if there's anything that comes up in the meantime, look, you're not limited to just contact at the times that we stipulate, like, for quarterly and things. If something comes up in the meantime and you want an extra conversation, let us know. My team will book you in, and you and I can talk about anything that's on your mind. Okay? Thanks so much, Matthew. Enjoy your day. Don't work too hard. Thank you. Talk to you soon. See you later. 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Matthew. We're Zane of Mercy Financial. How are you this morning? That's good. I had you booked in just to go through your updated statement of advice to look at switching those investments out.\n\nIs now still a good time there for you? Yep. Oh, fantastic. Do you happen to have access to your emails at the moment? If you don't, that is honestly okay.\n\nIt's just normally it's easy to go through the document together. That's all. Oh, you're driving. No. That's okay.\n\nNot a problem at all. What I can do for you is I'll run through the recommendations, try to keep them as simple as possible, give you the information that I need to. I have sent you an email, so the documents are in your email for you to have a look at later, and then we'll just get you assigned and return that back to have the implementation completed for you. Okay? Yeah.\n\nYeah. Nice and easy. All good, Matthew. Now before I jump into the code, I do have to do a quick security check there with you just to confirm your full name, your date of birth, and address I have on file, and also just to confirm you're comfortable with us recording the call as well. Yep.\n\nFantastic. Excellent. Thank you so much. So, essentially, just sort of going back, we did your annual review a few weeks back, and we wanted to maybe look at switching out some underperforming investments there. Essentially, your super goal is that you wanna see you're in super working harder.\n\nYou're looking to seek as lower fees as possible to make sure you are able to have a comfortable retirement there. What we're looking to sort of do is look at switching out, as I said, some underperforming investments. So I went back and had a really good look at how everything was performing. We did note in the annual review that that was underperforming quite significantly, and we don't want you to be in anything underperforming at this point in time. Your super needs to be working harder for you.\n\nSo what I've essentially recommended is that we do retain Hub twenty four. I did look at Hub twenty four as a super fund. There is absolutely nothing wrong with it. It is still a great platform, and the platform does yeah. Yeah.\n\nIt does still hold a lot of investments. This platform does actually hold a lot more investments than other platforms do, which kinda gives you the benefit of being able to switch out investments when we need to. What we are looking to do is we are going to essentially sell off the battery and lithium tax, the ban along Australian equities. The bank hybrids also are gonna be completely sold down, and the China new economy is also being completely sold. We are then going to just sell off portions or rebalance the cybersecurity, the S and P 500, which is your US exposure, and also completely removing the Van Ness property, and then just also the Raffy 200.\n\nEssentially, removing those investments completely, does mean that we're moving you into a portfolio that is lower cost and also has performed a lot better. We are, as I said, keeping the cybersecurity and the S and P 500, but you're a little bit overexposed in exposed in those areas at the moment. So we're just rebalancing those back for you. Essentially, once we've completed those sell downs, we're also going to buy more of the physical gold. At the moment, you've got about 8% in there.\n\nWe wanna hold about 10% for purchasing more physical gold, which has done really well for you as well. We're also then going to buy into some European exposure for giving you access to all European company and country. We've got some Japanese exposure in there. We're also looking at the all world ex except The US. So it's a index that a Vanguard index that tracks the entire globe minus The US, and that is giving you diversification.\n\nSo one of the important aspects to making sure to mitigate risk is to diversify and essentially buy into as many different countries and asset classes as possible. So the Vanguard All World Index does that. This is excluding The US exposure because we hold the S and P 500, but we're gonna buy into the All World for you. And then we're also gonna replace the Van Along equities, the one that's been underperforming with the BetaShares a 200. So as I kind of personally explained last time, Vandalon was more of an actively managed fund, and they generally hold anywhere between 15 to 25 different investments within that managed fund there.\n\nBy selling that out, we're removing the underperforming investments, but we're also buying into the a 200, which is giving you exposure to the top 200 companies on the ASX. So it's giving you greater diversification to help lower your overall risk. And then also the BetaShares a 200 is more passively managed, so it's actually a cheaper fund to hold. So it does save you in fees, which is important as well. Okay.\n\nYeah. Essentially, then we also wanna hold some lower risk defensive investments there. So we're also gonna keep the core composite bonds. These essentially are government and corporate bonds. Low risk defensive investments are really important for, you know, a little bit of risk mitigation as well, sort of taking care of and looking after the downside when the equities don't perform as well.\n\nWe only wanna hold about 14% of this investment here. One of the good thing about core composite bonds is it is giving you income. So bonds and these sorts of fixed interest do pay out income on a regular basis. That income is paid into your cash account of your super fund, and that can be reinvested back into your portfolio for compounding effect, which is really important there. Okay?\n\nThat is a basic break down here. Yeah. Absolutely. Yeah. Compounding, that is the most powerful thing we have access to.\n\nAny growth or income that we have that we're able to cement have all that staying within the super system and reinvest it back into the portfolio for you for that compounding effect. Absolutely. Yeah. The other thing we are looking at doing, I know we also talked about retaining your military super. I have, as a part of the recommendations, made a recommendation to retain that at to the age of 60.\n\nAs you're reading through that document there, I have added a bit of information around military super advantages, disadvantages, and risks involved so that you do get as much information as possible because it is a really great super fund, and it is it does. It does. It absolutely does. It is absolutely. You deserve well well more than what you've got, but look, take anything you can get.\n\nAbsolutely. With the investment profile, so we did also you were in a high growth kind of environment, and we did talk about reducing your risk level a little bit as well because you are getting closer to accessing super. Unlike your military super, super within the hub twenty four fund is subject to massive fluctuations. So it is important to start reducing your risk level back a little bit. So part of this portfolio is about reducing that risk level by 10%.\n\nWe're bringing you from the high growth portfolio environment to more of a growth environment. It's a bit of a step down, and it's always easier to start reducing risk gradually, taking those 10% step down. But I wanna make sure the portfolio is still working for you. So when we look at the five year rolling average of the last portfolio you were in, it was averaging about 10.47% on a yearly basis, which is absolutely fine. But the growth portfolio that we're moving you into is actually cheaper.\n\nIt's expected to save you $445 in investment fees for the first year and has average when we look at a five year rolling average 11.72. So reducing risk, still keeping those returns really, really good, and also reducing the fees in the in the super fund as well. Does that make sense? Yeah. Now it's important to let you know that we do the research around, and your super fund like you does a tax return every year.\n\nTo make the switch of the investments, we have noted the super fund will cover CGT, and it's estimated to be $1,258. But with reducing the fees and the greater growth that this portfolio has seen, you could make that money back nice and quick as well. Does that all make sense, and do you have questions at all so far? No. Correct.\n\nThere's always going to be fees with every super fund, every type of investing. You always will pay fees. Fees aren't necessarily a bad thing. I've always been under the impression and have learned very, very highly over the years that you have to spend money to make money. So to have the investments, to have diversification, you do have to have enough investments, and that does cost money in management fees.\n\nThe super fund platform also has an admin fee, and we also charge an ongoing service fee. But as long as your super fund is working and the returns cover the fees plus additional growth, then you're working then fees plus additional growth, then you're working then it's working to your benefit there. So and that's important to keep reviewing to make sure the super fund is working for you, that the investments are continuously working, and we keep reviewing those and moving forward. I know this portfolio you were in a while ago was sort of changed, but, you know, over the course of time, investments change. So what you might have been in six years ago might not be appropriate and might need to change as the market continues.\n\nIf we keep reviewing your super in the next year, two, or three years, what you're in now might also need to change as the markets evolve, as trends evolve within the market. But, also, as you get closer to accessing super, as your risk level needs to decrease, we'll keep altering the portfolio as well. So it's a bit of a juggling act between getting returns and growth, taking risk, and also making sure things are working harder and covering the cost of fees. But, essentially, having it all reviewed on a regular basis can mean it works harder for you long term. Okay?\n\nYeah. Now because we have got a projection in there for you, and it does show by making the changes over the next five to ten years, you can see yourself in a much better position. Essentially, under the current scenario, over the next ten years, you could see yourself with about 363,000 by taking on the advice and over the next ten years seeing a greater level of return saving on fees. We could actually see you with a bit over 400,000, the super fund there. So that's compiled with your military super could definitely provide much greater benefit.\n\nAnd long term does put you in a a better position to be able to meet your target in retirement. So drawdown income, we're working on at the moment about $1,000 on a weekly basis. So when we look at the projection forward by making the changes, and this is not including your military super yet because we can't project out how much you're gonna end up with at the age of 60. Unfortunately, they don't give out the the increased interest the the rate of return that they utilize every year that's determined internally. But just your hub 24 based on the level of projected outcome and the eligibility for Centrelink down the track as well, you could be able to retire at age 65, draw a thousand dollars on a weekly basis, then from age 67 also access Centrelink.\n\nAnd between the two, essentially be able to keep your super working till about age 90, which does give you longevity, and does at the moment, your target income is slightly under by about $3,000 on a yearly basis. But as I said, it's not including military super. You've already got a good military super balance in there. So when we mix that with hub twenty four and then look at the drawdown, you could absolutely have your super working harder with some Centrelink in there as well, and being able to access super and draw income to about the age of ninety ninety one at the moment. Okay?\n\nYeah. And once you kind of hit the age of 60 as well, there are other strategies that we can put in place where we can be increasing contributions and accessing some of your super to kind of compounds when you do reach the yeah. Absolutely. When you do kinda hit that age bracket, we'll have more of a conversation around what those sorts of strategies look like, and I'll look to implement those for you to make sure we're boosting super as much as possible. Okay?\n\nYeah. That's correct. That's it. That's it. Some people have ten years.\n\nOther people have forty years. No. Of course not. Yeah. Yeah.\n\nAbsolutely. Absolutely. And, look, Matthew, if you decide at age 60 you don't wanna work any longer and you wanna retire, you let me know, and I'll work out what I can do strategy wise to make it work for you. You don't have to work to the age of 65. It's essentially when you want to retire, and there's no set balance as to what someone needs to retire on.\n\nIt's essentially what is right for you and your goals. So if you say, right, at 60, I I wanna retire. I've had enough. I've worked my life. I'm done.\n\nI will then look at what your super balance is, what we can do with the supers, whether we can consolidate them, how we draw down income to supplement you up until age 67. And then we look from 67 what kind of eligibility you're able to get to supplement and how we pull back on super and how long that lasts. So that's all the kind of advice that I do provide and I can help you with, and we just look at what you need to live on at that point up until you get to retirement. We sort of focus on it tends to be, for most people, a thousand dollars a week because we don't know what we're gonna need to live on. But when you get closer to that, you and I can look at a budget planner.\n\nWe can talk about your expenditure, work out what you actually need to live on on a weekly basis, look at how long that survives, but then keep reviewing it to make sure that it's working and lasting as long as possible. Because you are right. Some people have one or two years in retirement. Other people have forty years. It's a whole another lifetime.\n\nSo it's about just making sure it works for you as long as possible. All good. The only other thing I wanted to make mention was we talked about your beneficiary nominations. So because you did have, obviously, you won a 45% to Emma, 45% to Hannah, and also 10% to your sister. We talked about updating the beneficiary nomination to legal personal representative, which means in the event of you passing, a 100% of your super gets paid to your estate, which has your will done up, and your will you made mention has those percentages set out correctly.\n\nIs that still correct? Yes. Yeah. Perfect. So I am recommending we update your beneficiary nomination the same as we spoke about and have your super directed to your estate in the event of passing, mainly because as we kind of went through, your daughters do they are beneficiaries and are absolutely fine, but your sister isn't technically under the legislation.\n\nSo if she was to go and claim that 10% against your super, that would come back. Essentially, they say you're not eligible. It's not a valid nomination. And then that 10% goes through a probate process, which means that she's there's less, like, a chance that she may not get that money at all. Absolute absolutely.\n\nSo having it set up to the LPR and having your super in the event of you passing paid to your estate, it means that that super money is paid to your will and then is distributed as per your will. That's a much more streamlined process, and it means that all of your beneficiaries, including your sister, will essentially get be able to claim that money much easier. Does that make sense? Yeah. Absolutely agree with you.\n\nYou've worked too hard. Yeah. Yeah. Yeah. It's not it's a long process, and you're arguing with court systems and lawyers, and it's just a mission.\n\nMy my husband's family are doing that at the moment, and it's really a difficult process. I don't envy it in any way, shape, or form. So I'm sorry. Absolutely. So now look.\n\nStructuring this nomination this way is the best way to do it. It means that the super will go to your estate and then can be distributed as per your wishes in your will. It is a much more streamlined process. It means your sister is more likely to receive her 10%. And it actually works out well because your super is then put into your estate with the rest of your assets.\n\nIt's also lumped together, and then everything is claimed as one. So it all goes through the normal state process. The tax return is completed, and then your trustee, you know, pays out. Your executive pays out to each beneficiary correctly in the percentages nominated. So it just works out easier for you.\n\nAt the end of the day, a nomination is also just a protection in the event that something happens. Ultimately, I want you to get to retirement, enjoy your money, and, you know, live as long as you possibly can. So we'll but if you're comfortable, my team can my team can help by pre filling the nomination and send it to you. Is post or an email better for yourself? I can do both if you prefer.\n\nWe can do both if it's easier. We can send email and post. Yeah. Absolutely. Not a problem.\n\nWe'll get that sorted for you. That is essentially the the rundown of the advice there. When you get some time, have a look in your email, open the advice document up. It does outline the advantages, the disadvantages, the risks involved of each of the strategies. I've also got the best interest duty there, which outlines why each of these recommendations are in your best interest.\n\nI've got also a little bit of a retirement projection there. So I limited scoping the retirement aspect to sort of show you where you're tracking for because, you know, you've worked really hard. You deserve to see the light at the end of that tunnel so far. And then we'll just keep reviewing things and moving forward. With your annual review docs that went out the other week, it looks like we had some trouble downloading those documents.\n\nSo I've had to reupload the tax file opt in form and your ongoing service agreements. They are also attached. Once you've read through the document, if you have questions, come back and let me know. There is no such thing as a silly question. You're welcome to ask anything you like.\n\nAnd if you read through it and decide you're happy to take the recommendations, we'll get you to sign all those documents and send them back to us, and we can have those investments which is placed for you nice and quickly. Okay? All good. Is there any questions that might have come out of that so far, Matthew? I know it can be difficult when I'm talking to you.\n\nYeah. Beautiful. Absolutely. And did you want me to do a bit of a catch up with you in the next sort of six months to see how things are tracking, or would you like this to twelve month catch up? What would you like down the track?\n\nYep. Still working? Yeah. Absolutely. Not a problem.\n\nI will put that in my calendar, and my team will touch base in six months to book you in. And, yeah, just have a look through the documents there. I have also added some issues. Depends on how much reading you like, I suppose. But I've got some product disclosure statements and some additional information attached there for you in relation to the recommendations I've made.\n\nIf you wanted to run through the PDFs and have a bit of a look at hub 24 and CSC for information, which is the military super, you're welcome to have a look through those as well. Okay? Awesome. I will let you go, Matthew. Thank you so much for your time.\n\nBut if there's any questions that come out of that document, don't hesitate to give me a call. Okay? My pleasure. Enjoy your day. Enjoy your week.\n\nYou're off this week. Is that right? Yep. Yeah. Oh, yes.\n\nYeah. Yeah. You told me that last time, and how's that going? Is it being progressing nicely? Or fantastic.\n\nOh, I love that. Fantastic. Oh, that's excellent. Yeah. Well, good luck.\n\nI'll keep in touch with you. We'll talk in the next six months. And if there's anything that comes up in the meantime, look, you're not limited to just contact at the times that we stipulate, like, for quarterly and things. If something comes up in the meantime and you want an extra conversation, let us know. My team will book you in, and you and I can talk about anything that's on your mind.\n\nOkay? Thanks so much, Matthew. Enjoy your day. Don't work too hard. Thank you.\n\nTalk to you soon. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Matthew.","start":2.56,"end":3.04,"sentiment":"neutral","sentiment_score":0.1471763327717781},{"text":"We're Zane of Mercy Financial.","start":3.04,"end":4.74,"sentiment":"neutral","sentiment_score":0.18486541509628296},{"text":"How are you this morning?","start":4.7999997,"end":5.8599997,"sentiment":"neutral","sentiment_score":0.2918850541114807},{"text":"That's good.","start":9.5199995,"end":10.08,"sentiment":"positive","sentiment_score":0.724276065826416},{"text":"I had you booked in just to go through your updated statement of advice to look at switching those investments out.","start":10.08,"end":14.88,"sentiment":"positive","sentiment_score":0.3646890442995798}],"sentiment":"positive","sentiment_score":0.3367179163864681,"num_words":35,"start":2.56,"end":14.88},{"sentences":[{"text":"Is now still a good time there for you?","start":14.88,"end":16.775,"sentiment":"positive","sentiment_score":0.3649938470787472},{"text":"Yep.","start":19.395,"end":19.895,"sentiment":"neutral","sentiment_score":0.17484375834465027},{"text":"Oh, fantastic.","start":21.715,"end":22.535,"sentiment":"positive","sentiment_score":0.5755343437194824},{"text":"Do you happen to have access to your emails at the moment?","start":23.075,"end":25.474998,"sentiment":"neutral","sentiment_score":0.11736318903664748},{"text":"If you don't, that is honestly okay.","start":25.474998,"end":27.075,"sentiment":"neutral","sentiment_score":0.017842171314571584}],"sentiment":"neutral","sentiment_score":0.19819711410110036,"num_words":31,"start":14.88,"end":27.075},{"sentences":[{"text":"It's just normally it's easy to go through the document together.","start":27.075,"end":29.635,"sentiment":"neutral","sentiment_score":0.027742411263964394},{"text":"That's all.","start":29.635,"end":30.455,"sentiment":"neutral","sentiment_score":0.007565241307020187},{"text":"Oh, you're driving.","start":32.76,"end":33.72,"sentiment":"neutral","sentiment_score":-0.00980735601236423},{"text":"No.","start":33.72,"end":33.96,"sentiment":"neutral","sentiment_score":0.009906301274895668},{"text":"That's okay.","start":33.96,"end":34.78,"sentiment":"neutral","sentiment_score":0.058374542742967606}],"sentiment":"neutral","sentiment_score":0.021975280275862468,"num_words":19,"start":27.075,"end":34.78},{"sentences":[{"text":"Not a problem at all.","start":34.84,"end":36.04,"sentiment":"neutral","sentiment_score":0.21838683784008026},{"text":"What I can do for you is I'll run through the recommendations, try to keep them as simple as possible, give you the information that I need to.","start":36.04,"end":42.059998,"sentiment":"neutral","sentiment_score":0.1743397010224206},{"text":"I have sent you an email, so the documents are in your email for you to have a look at later, and then we'll just get you assigned and return that back to have the implementation completed for you.","start":42.28,"end":51.575,"sentiment":"neutral","sentiment_score":0.15612820994395477},{"text":"Okay?","start":51.575,"end":52.075,"sentiment":"neutral","sentiment_score":0.07447430491447449},{"text":"Yeah.","start":55.015,"end":55.415,"sentiment":"neutral","sentiment_score":0.14512482285499573}],"sentiment":"neutral","sentiment_score":0.16597358288394437,"num_words":74,"start":34.84,"end":55.415},{"sentences":[{"text":"Yeah.","start":55.415,"end":55.735,"sentiment":"neutral","sentiment_score":0.18480534851551056},{"text":"Nice and easy.","start":55.735,"end":56.795002,"sentiment":"neutral","sentiment_score":0.27640997370084125},{"text":"All good, Matthew.","start":58.135002,"end":59.015,"sentiment":"positive","sentiment_score":0.35379711786905926},{"text":"Now before I jump into the code, I do have to do a quick security check there with you just to confirm your full name, your date of birth, and address I have on file, and also just to confirm you're comfortable with us recording the call as well.","start":59.015,"end":69.03,"sentiment":"neutral","sentiment_score":0.1432563026948851},{"text":"Yep.","start":71.97,"end":72.47,"sentiment":"neutral","sentiment_score":0.017198065295815468}],"sentiment":"neutral","sentiment_score":0.15986286878193678,"num_words":57,"start":55.415,"end":72.47},{"sentences":[{"text":"Fantastic.","start":80.005,"end":80.505,"sentiment":"positive","sentiment_score":0.584283173084259},{"text":"Excellent.","start":80.885,"end":81.285,"sentiment":"positive","sentiment_score":0.6255918741226196},{"text":"Thank you so much.","start":81.285,"end":82.505,"sentiment":"positive","sentiment_score":0.6906595528125763},{"text":"So, essentially, just sort of going back, we did your annual review a few weeks back, and we wanted to maybe look at switching out some underperforming investments there.","start":82.725,"end":89.899994,"sentiment":"neutral","sentiment_score":0.1394822607780325},{"text":"Essentially, your super goal is that you wanna see you're in super working harder.","start":89.96,"end":93.74,"sentiment":"neutral","sentiment_score":0.19176875414060696}],"sentiment":"neutral","sentiment_score":0.21841349753038009,"num_words":49,"start":80.005,"end":93.74},{"sentences":[{"text":"You're looking to seek as lower fees as possible to make sure you are able to have a comfortable retirement there.","start":94.04,"end":99.58,"sentiment":"positive","sentiment_score":0.4266845094306128},{"text":"What we're looking to sort of do is look at switching out, as I said, some underperforming investments.","start":99.865005,"end":104.285,"sentiment":"neutral","sentiment_score":-0.05666876051367985},{"text":"So I went back and had a really good look at how everything was performing.","start":104.345,"end":107.805,"sentiment":"neutral","sentiment_score":0.26886957585811616},{"text":"We did note in the annual review that that was underperforming quite significantly, and we don't want you to be in anything underperforming at this point in time.","start":108.265,"end":115.54,"sentiment":"negative","sentiment_score":-0.38811038221631733},{"text":"Your super needs to be working harder for you.","start":115.54,"end":117.88,"sentiment":"negative","sentiment_score":-0.43002011047469246}],"sentiment":"neutral","sentiment_score":-0.030372429117151014,"num_words":91,"start":94.04,"end":117.88},{"sentences":[{"text":"So what I've essentially recommended is that we do retain Hub twenty four.","start":118.34,"end":122.02,"sentiment":"neutral","sentiment_score":0.14590282795520929},{"text":"I did look at Hub twenty four as a super fund.","start":122.02,"end":124.34,"sentiment":"neutral","sentiment_score":0.1946079744534059},{"text":"There is absolutely nothing wrong with it.","start":124.34,"end":125.78,"sentiment":"positive","sentiment_score":0.49845966696739197},{"text":"It is still a great platform, and the platform does yeah.","start":125.78,"end":131.545,"sentiment":"positive","sentiment_score":0.5946913442828439},{"text":"Yeah.","start":131.545,"end":132.045,"sentiment":"neutral","sentiment_score":0.3055097460746765}],"sentiment":"positive","sentiment_score":0.3342734112642532,"num_words":43,"start":118.34,"end":132.045},{"sentences":[{"text":"It does still hold a lot of investments.","start":132.665,"end":134.525,"sentiment":"neutral","sentiment_score":0.2619571276009083},{"text":"This platform does actually hold a lot more investments than other platforms do, which kinda gives you the benefit of being able to switch out investments when we need to.","start":134.585,"end":142.2,"sentiment":"positive","sentiment_score":0.4188151995340983},{"text":"What we are looking to do is we are going to essentially sell off the battery and lithium tax, the ban along Australian equities.","start":142.44,"end":150.78,"sentiment":"neutral","sentiment_score":-0.021155140750731032},{"text":"The bank hybrids also are gonna be completely sold down, and the China new economy is also being completely sold.","start":151.16,"end":157.73999,"sentiment":"neutral","sentiment_score":-0.10076732002198696},{"text":"We are then going to just sell off portions or rebalance the cybersecurity, the S and P 500, which is your US exposure, and also completely removing the Van Ness property, and then just also the Raffy 200.","start":158.035,"end":172.135,"sentiment":"neutral","sentiment_score":-0.01971577818652517}],"sentiment":"neutral","sentiment_score":0.09489869714404146,"num_words":120,"start":132.665,"end":172.135},{"sentences":[{"text":"Essentially, removing those investments completely, does mean that we're moving you into a portfolio that is lower cost and also has performed a lot better.","start":172.55,"end":180.97,"sentiment":"neutral","sentiment_score":0.09933464925736189},{"text":"We are, as I said, keeping the cybersecurity and the S and P 500, but you're a little bit overexposed in exposed in those areas at the moment.","start":181.19,"end":187.785,"sentiment":"neutral","sentiment_score":-0.08579770236143044},{"text":"So we're just rebalancing those back for you.","start":187.785,"end":190.205,"sentiment":"neutral","sentiment_score":-0.02502487727906555},{"text":"Essentially, once we've completed those sell downs, we're also going to buy more of the physical gold.","start":191.385,"end":197.245,"sentiment":"neutral","sentiment_score":0.03390058042371974},{"text":"At the moment, you've got about 8% in there.","start":197.30501,"end":199.26999,"sentiment":"neutral","sentiment_score":0.004503660628365146}],"sentiment":"neutral","sentiment_score":0.005720394941838993,"num_words":87,"start":172.55,"end":199.26999},{"sentences":[{"text":"We wanna hold about 10% for purchasing more physical gold, which has done really well for you as well.","start":199.26999,"end":204.97,"sentiment":"positive","sentiment_score":0.4988738698394675},{"text":"We're also then going to buy into some European exposure for giving you access to all European company and country.","start":205.59,"end":212.65,"sentiment":"neutral","sentiment_score":0.18748519644141198},{"text":"We've got some Japanese exposure in there.","start":213.17499,"end":215.495,"sentiment":"neutral","sentiment_score":0.07043815776705742},{"text":"We're also looking at the all world ex except The US.","start":215.495,"end":219.17499,"sentiment":"neutral","sentiment_score":0.08940011398358778},{"text":"So it's a index that a Vanguard index that tracks the entire globe minus The US, and that is giving you diversification.","start":219.17499,"end":225.515,"sentiment":"neutral","sentiment_score":0.20501255989074707}],"sentiment":"neutral","sentiment_score":0.24322850799447374,"num_words":79,"start":199.26999,"end":225.515},{"sentences":[{"text":"So one of the important aspects to making sure to mitigate risk is to diversify and essentially buy into as many different countries and asset classes as possible.","start":226.135,"end":236.88,"sentiment":"neutral","sentiment_score":0.2602776610957725},{"text":"So the Vanguard All World Index does that.","start":236.88,"end":240.495,"sentiment":"neutral","sentiment_score":0.17465975135564804},{"text":"This is excluding The US exposure because we hold the S and P 500, but we're gonna buy into the All World for you.","start":240.575,"end":246.915,"sentiment":"neutral","sentiment_score":0.11691906543759008},{"text":"And then we're also gonna replace the Van Along equities, the one that's been underperforming with the BetaShares a 200.","start":247.055,"end":253.135,"sentiment":"neutral","sentiment_score":0.010267578065395355},{"text":"So as I kind of personally explained last time, Vandalon was more of an actively managed fund, and they generally hold anywhere between 15 to 25 different investments within that managed fund there.","start":253.135,"end":264.16998,"sentiment":"neutral","sentiment_score":0.06079995575727838}],"sentiment":"neutral","sentiment_score":0.12126424949846965,"num_words":113,"start":226.135,"end":264.16998},{"sentences":[{"text":"By selling that out, we're removing the underperforming investments, but we're also buying into the a 200, which is giving you exposure to the top 200 companies on the ASX.","start":264.16998,"end":274.11502,"sentiment":"neutral","sentiment_score":0.19112018297115962},{"text":"So it's giving you greater diversification to help lower your overall risk.","start":274.11502,"end":277.73502,"sentiment":"positive","sentiment_score":0.36907441914081573},{"text":"And then also the BetaShares a 200 is more passively managed, so it's actually a cheaper fund to hold.","start":278.27502,"end":283.49002,"sentiment":"neutral","sentiment_score":0.30516167455597926},{"text":"So it does save you in fees, which is important as well.","start":283.63,"end":286.77002,"sentiment":"neutral","sentiment_score":0.31329497570792836},{"text":"Okay.","start":286.91,"end":287.41,"sentiment":"neutral","sentiment_score":0.27096134424209595}],"sentiment":"neutral","sentiment_score":0.2701496133530462,"num_words":74,"start":264.16998,"end":287.41},{"sentences":[{"text":"Yeah.","start":288.59,"end":289.09,"sentiment":"positive","sentiment_score":0.4506547451019287},{"text":"Essentially, then we also wanna hold some lower risk defensive investments there.","start":289.95,"end":294.27002,"sentiment":"neutral","sentiment_score":0.18139698542654514},{"text":"So we're also gonna keep the core composite bonds.","start":294.27002,"end":297.385,"sentiment":"neutral","sentiment_score":0.2392655826277203},{"text":"These essentially are government and corporate bonds.","start":297.52502,"end":300.02502,"sentiment":"neutral","sentiment_score":0.21579351595469884},{"text":"Low risk defensive investments are really important for, you know, a little bit of risk mitigation as well, sort of taking care of and looking after the downside when the equities don't perform as well.","start":300.725,"end":310.745,"sentiment":"neutral","sentiment_score":0.3049039080739021}],"sentiment":"neutral","sentiment_score":0.26504687825217843,"num_words":64,"start":288.59,"end":310.745},{"sentences":[{"text":"We only wanna hold about 14% of this investment here.","start":310.93,"end":314.12997,"sentiment":"neutral","sentiment_score":0.17211822643876076},{"text":"One of the good thing about core composite bonds is it is giving you income.","start":314.12997,"end":318.15,"sentiment":"positive","sentiment_score":0.48610695600509646},{"text":"So bonds and these sorts of fixed interest do pay out income on a regular basis.","start":318.21,"end":323.25,"sentiment":"neutral","sentiment_score":0.1997789852321148},{"text":"That income is paid into your cash account of your super fund, and that can be reinvested back into your portfolio for compounding effect, which is really important there.","start":323.25,"end":332.505,"sentiment":"neutral","sentiment_score":0.2598814486429609},{"text":"Okay?","start":332.505,"end":333.005,"sentiment":"neutral","sentiment_score":0.115319162607193}],"sentiment":"neutral","sentiment_score":0.27973424706240774,"num_words":71,"start":310.93,"end":333.005},{"sentences":[{"text":"That is a basic break down here.","start":334.42502,"end":337.005,"sentiment":"neutral","sentiment_score":0.07558386134249824},{"text":"Yeah.","start":337.065,"end":337.565,"sentiment":"neutral","sentiment_score":0.0905403196811676},{"text":"Absolutely.","start":347.47998,"end":347.97998,"sentiment":"neutral","sentiment_score":0.24134698510169983},{"text":"Yeah.","start":348.03998,"end":348.52,"sentiment":"neutral","sentiment_score":0.2817125916481018},{"text":"Compounding, that is the most powerful thing we have access to.","start":348.52,"end":352.305,"sentiment":"positive","sentiment_score":0.5447077398950403}],"sentiment":"positive","sentiment_score":0.3397367649844715,"num_words":21,"start":334.42502,"end":352.305},{"sentences":[{"text":"Any growth or income that we have that we're able to cement have all that staying within the super system and reinvest it back into the portfolio for you for that compounding effect.","start":352.705,"end":362.625,"sentiment":"positive","sentiment_score":0.5006105484384479},{"text":"Absolutely.","start":362.625,"end":363.125,"sentiment":"neutral","sentiment_score":0.28097015619277954},{"text":"Yeah.","start":363.745,"end":364.245,"sentiment":"neutral","sentiment_score":0.17225903272628784},{"text":"The other thing we are looking at doing, I know we also talked about retaining your military super.","start":365.69,"end":370.17,"sentiment":"neutral","sentiment_score":0.11120739744769202},{"text":"I have, as a part of the recommendations, made a recommendation to retain that at to the age of 60.","start":370.17,"end":375.63,"sentiment":"neutral","sentiment_score":0.1070270674303174}],"sentiment":"neutral","sentiment_score":0.289255503973324,"num_words":73,"start":352.705,"end":375.63},{"sentences":[{"text":"As you're reading through that document there, I have added a bit of information around military super advantages, disadvantages, and risks involved so that you do get as much information as possible because it is a really great super fund, and it is it does.","start":376.01,"end":391.61502,"sentiment":"neutral","sentiment_score":0.228547536333402},{"text":"It does.","start":393.12997,"end":393.93,"sentiment":"neutral","sentiment_score":0.2850327044725418},{"text":"It absolutely does.","start":393.93,"end":395.21,"sentiment":"neutral","sentiment_score":0.22185420989990234},{"text":"It is absolutely.","start":395.21,"end":398.91,"sentiment":"neutral","sentiment_score":0.14235043774048486},{"text":"You deserve well well more than what you've got, but look, take anything you can get.","start":399.61,"end":404.25,"sentiment":"positive","sentiment_score":0.3372598625719547}],"sentiment":"neutral","sentiment_score":0.2513547288118929,"num_words":69,"start":376.01,"end":404.25},{"sentences":[{"text":"Absolutely.","start":404.25,"end":404.75,"sentiment":"positive","sentiment_score":0.367245078086853},{"text":"With the investment profile, so we did also you were in a high growth kind of environment, and we did talk about reducing your risk level a little bit as well because you are getting closer to accessing super.","start":407.145,"end":416.76498,"sentiment":"neutral","sentiment_score":0.15634851386913887},{"text":"Unlike your military super, super within the hub twenty four fund is subject to massive fluctuations.","start":417.305,"end":423.04,"sentiment":"neutral","sentiment_score":-0.0026995555963367224},{"text":"So it is important to start reducing your risk level back a little bit.","start":423.18,"end":426.54,"sentiment":"neutral","sentiment_score":-0.0039987292672906604},{"text":"So part of this portfolio is about reducing that risk level by 10%.","start":426.54,"end":430.88,"sentiment":"neutral","sentiment_score":0.1362274352174539}],"sentiment":"neutral","sentiment_score":0.09803155033164714,"num_words":83,"start":404.25,"end":430.88},{"sentences":[{"text":"We're bringing you from the high growth portfolio environment to more of a growth environment.","start":431.18,"end":436.01498,"sentiment":"neutral","sentiment_score":0.27021097391843796},{"text":"It's a bit of a step down, and it's always easier to start reducing risk gradually, taking those 10% step down.","start":436.395,"end":444.095,"sentiment":"neutral","sentiment_score":0.1263388026328314},{"text":"But I wanna make sure the portfolio is still working for you.","start":444.395,"end":447.37,"sentiment":"positive","sentiment_score":0.38107887903849286},{"text":"So when we look at the five year rolling average of the last portfolio you were in, it was averaging about 10.47% on a yearly basis, which is absolutely fine.","start":447.37,"end":457.15,"sentiment":"positive","sentiment_score":0.45008276353279747},{"text":"But the growth portfolio that we're moving you into is actually cheaper.","start":457.53,"end":461.71,"sentiment":"positive","sentiment_score":0.699896365404129}],"sentiment":"positive","sentiment_score":0.3686718367040157,"num_words":90,"start":431.18,"end":461.71},{"sentences":[{"text":"It's expected to save you $445 in investment fees for the first year and has average when we look at a five year rolling average 11.72.","start":461.85,"end":471.545,"sentiment":"positive","sentiment_score":0.6451396506566268},{"text":"So reducing risk, still keeping those returns really, really good, and also reducing the fees in the in the super fund as well.","start":471.545,"end":478.7,"sentiment":"positive","sentiment_score":0.7000820610834204},{"text":"Does that make sense?","start":478.7,"end":479.84,"sentiment":"neutral","sentiment_score":0.3063546046614647},{"text":"Yeah.","start":481.42,"end":481.92,"sentiment":"neutral","sentiment_score":0.2627444863319397},{"text":"Now it's important to let you know that we do the research around, and your super fund like you does a tax return every year.","start":482.06,"end":488.355,"sentiment":"neutral","sentiment_score":0.27479682087898255}],"sentiment":"positive","sentiment_score":0.5219443259359915,"num_words":79,"start":461.85,"end":488.355},{"sentences":[{"text":"To make the switch of the investments, we have noted the super fund will cover CGT, and it's estimated to be $1,258.","start":488.435,"end":496.77502,"sentiment":"neutral","sentiment_score":0.3132918944413012},{"text":"But with reducing the fees and the greater growth that this portfolio has seen, you could make that money back nice and quick as well.","start":496.995,"end":504.16,"sentiment":"positive","sentiment_score":0.5460482728481293},{"text":"Does that all make sense, and do you have questions at all so far?","start":504.16,"end":507.30002,"sentiment":"neutral","sentiment_score":0.12766535846250399},{"text":"No.","start":516.73505,"end":517.05505,"sentiment":"neutral","sentiment_score":-0.028961459174752235},{"text":"Correct.","start":517.05505,"end":517.375,"sentiment":"neutral","sentiment_score":0.01225440576672554}],"sentiment":"positive","sentiment_score":0.35419422958696645,"num_words":63,"start":488.435,"end":517.375},{"sentences":[{"text":"There's always going to be fees with every super fund, every type of investing.","start":517.375,"end":521.79504,"sentiment":"neutral","sentiment_score":0.028074760123022964},{"text":"You always will pay fees.","start":521.85504,"end":523.395,"sentiment":"neutral","sentiment_score":0.03598427176475525},{"text":"Fees aren't necessarily a bad thing.","start":523.455,"end":525.635,"sentiment":"neutral","sentiment_score":0.07150682372351487},{"text":"I've always been under the impression and have learned very, very highly over the years that you have to spend money to make money.","start":526.09503,"end":531.77,"sentiment":"neutral","sentiment_score":0.07146531684945027},{"text":"So to have the investments, to have diversification, you do have to have enough investments, and that does cost money in management fees.","start":531.77,"end":539.93,"sentiment":"neutral","sentiment_score":0.1034977478177651}],"sentiment":"neutral","sentiment_score":0.07080034370948043,"num_words":72,"start":517.375,"end":539.93},{"sentences":[{"text":"The super fund platform also has an admin fee, and we also charge an ongoing service fee.","start":539.93,"end":544.89,"sentiment":"neutral","sentiment_score":0.1282019111163476},{"text":"But as long as your super fund is working and the returns cover the fees plus additional growth, then you're working then fees plus additional growth, then you're working then it's working to your benefit there.","start":544.89,"end":553.02496,"sentiment":"neutral","sentiment_score":0.30960813785592717},{"text":"So and that's important to keep reviewing to make sure the super fund is working for you, that the investments are continuously working, and we keep reviewing those and moving forward.","start":553.02496,"end":562.64496,"sentiment":"neutral","sentiment_score":0.2343393311865868},{"text":"I know this portfolio you were in a while ago was sort of changed, but, you know, over the course of time, investments change.","start":562.92,"end":571.39996,"sentiment":"neutral","sentiment_score":-0.08525910663108031},{"text":"So what you might have been in six years ago might not be appropriate and might need to change as the market continues.","start":571.39996,"end":577.925,"sentiment":"neutral","sentiment_score":-0.28952447810898657}],"sentiment":"neutral","sentiment_score":0.09072185620551801,"num_words":131,"start":539.93,"end":577.925},{"sentences":[{"text":"If we keep reviewing your super in the next year, two, or three years, what you're in now might also need to change as the markets evolve, as trends evolve within the market.","start":577.985,"end":587.345,"sentiment":"neutral","sentiment_score":-0.08691637861457738},{"text":"But, also, as you get closer to accessing super, as your risk level needs to decrease, we'll keep altering the portfolio as well.","start":587.345,"end":594.75,"sentiment":"neutral","sentiment_score":-0.16826781760091367},{"text":"So it's a bit of a juggling act between getting returns and growth, taking risk, and also making sure things are working harder and covering the cost of fees.","start":594.75,"end":603.01,"sentiment":"neutral","sentiment_score":-0.15489002368573485},{"text":"But, essentially, having it all reviewed on a regular basis can mean it works harder for you long term.","start":603.575,"end":609.91504,"sentiment":"neutral","sentiment_score":-0.1745315554894899},{"text":"Okay?","start":610.055,"end":610.555,"sentiment":"neutral","sentiment_score":-0.05249208211898804}],"sentiment":"neutral","sentiment_score":-0.13903621545150166,"num_words":105,"start":577.985,"end":610.555},{"sentences":[{"text":"Yeah.","start":612.53503,"end":613.03503,"sentiment":"neutral","sentiment_score":0.02663387358188629},{"text":"Now because we have got a projection in there for you, and it does show by making the changes over the next five to ten years, you can see yourself in a much better position.","start":613.495,"end":622.89,"sentiment":"neutral","sentiment_score":0.22215385639241764},{"text":"Essentially, under the current scenario, over the next ten years, you could see yourself with about 363,000 by taking on the advice and over the next ten years seeing a greater level of return saving on fees.","start":623.59,"end":635.485,"sentiment":"neutral","sentiment_score":0.32834387349115834},{"text":"We could actually see you with a bit over 400,000, the super fund there.","start":635.785,"end":639.305,"sentiment":"positive","sentiment_score":0.5301992786782128},{"text":"So that's compiled with your military super could definitely provide much greater benefit.","start":639.305,"end":644.045,"sentiment":"positive","sentiment_score":0.6232041487326989}],"sentiment":"positive","sentiment_score":0.3547518600150943,"num_words":100,"start":612.53503,"end":644.045},{"sentences":[{"text":"And long term does put you in a a better position to be able to meet your target in retirement.","start":644.76,"end":650.94,"sentiment":"positive","sentiment_score":0.5486227810382843},{"text":"So drawdown income, we're working on at the moment about $1,000 on a weekly basis.","start":651.0,"end":655.58,"sentiment":"neutral","sentiment_score":0.1477004900574684},{"text":"So when we look at the projection forward by making the changes, and this is not including your military super yet because we can't project out how much you're gonna end up with at the age of 60.","start":655.88,"end":666.07495,"sentiment":"neutral","sentiment_score":0.029047315352057155},{"text":"Unfortunately, they don't give out the the increased interest the the rate of return that they utilize every year that's determined internally.","start":666.07495,"end":674.255,"sentiment":"neutral","sentiment_score":-0.2172565541484139},{"text":"But just your hub 24 based on the level of projected outcome and the eligibility for Centrelink down the track as well, you could be able to retire at age 65, draw a thousand dollars on a weekly basis, then from age 67 also access Centrelink.","start":675.05,"end":690.51,"sentiment":"neutral","sentiment_score":0.23233629536369574}],"sentiment":"neutral","sentiment_score":0.14325947766291333,"num_words":141,"start":644.76,"end":690.51},{"sentences":[{"text":"And between the two, essentially be able to keep your super working till about age 90, which does give you longevity, and does at the moment, your target income is slightly under by about $3,000 on a yearly basis.","start":690.945,"end":704.83,"sentiment":"positive","sentiment_score":0.35415132611225814},{"text":"But as I said, it's not including military super.","start":705.05,"end":707.47,"sentiment":"neutral","sentiment_score":0.01742584589454863},{"text":"You've already got a good military super balance in there.","start":707.52997,"end":710.57,"sentiment":"neutral","sentiment_score":0.23245510905981065},{"text":"So when we mix that with hub twenty four and then look at the drawdown, you could absolutely have your super working harder with some Centrelink in there as well, and being able to access super and draw income to about the age of ninety ninety one at the moment.","start":710.57,"end":724.90497,"sentiment":"neutral","sentiment_score":0.29755405500531196},{"text":"Okay?","start":725.205,"end":725.705,"sentiment":"neutral","sentiment_score":0.12268757820129396}],"sentiment":"neutral","sentiment_score":0.2870979426650826,"num_words":109,"start":690.945,"end":725.705},{"sentences":[{"text":"Yeah.","start":726.165,"end":726.665,"sentiment":"neutral","sentiment_score":0.14611081779003143},{"text":"And once you kind of hit the age of 60 as well, there are other strategies that we can put in place where we can be increasing contributions and accessing some of your super to kind of compounds when you do reach the yeah.","start":727.925,"end":741.25,"sentiment":"neutral","sentiment_score":0.1488238056190312},{"text":"Absolutely.","start":743.565,"end":744.065,"sentiment":"neutral","sentiment_score":0.2182460725307465},{"text":"When you do kinda hit that age bracket, we'll have more of a conversation around what those sorts of strategies look like, and I'll look to implement those for you to make sure we're boosting super as much as possible.","start":744.365,"end":754.065,"sentiment":"neutral","sentiment_score":0.28348725065588953},{"text":"Okay?","start":754.365,"end":754.865,"sentiment":"neutral","sentiment_score":0.07828826457262039}],"sentiment":"neutral","sentiment_score":0.21069405319961323,"num_words":87,"start":726.165,"end":754.865},{"sentences":[{"text":"Yeah.","start":756.18,"end":756.68,"sentiment":"neutral","sentiment_score":0.03618951141834259},{"text":"That's correct.","start":766.9,"end":767.72003,"sentiment":"neutral","sentiment_score":0.1498291939496994},{"text":"That's it.","start":769.09503,"end":769.815,"sentiment":"neutral","sentiment_score":0.06421415880322456},{"text":"That's it.","start":769.815,"end":770.53503,"sentiment":"neutral","sentiment_score":0.05287478119134903},{"text":"Some people have ten years.","start":770.53503,"end":772.215,"sentiment":"neutral","sentiment_score":-0.07774197608232498}],"sentiment":"neutral","sentiment_score":0.015109658241271973,"num_words":12,"start":756.18,"end":772.215},{"sentences":[{"text":"Other people have forty years.","start":772.215,"end":773.835,"sentiment":"neutral","sentiment_score":-0.11198557019233704},{"text":"No.","start":783.99005,"end":784.39,"sentiment":"neutral","sentiment_score":-0.20200136303901672},{"text":"Of course not.","start":784.39,"end":785.45,"sentiment":"neutral","sentiment_score":-0.19783462584018707},{"text":"Yeah.","start":792.31,"end":792.81,"sentiment":"neutral","sentiment_score":-0.07332311570644379},{"text":"Yeah.","start":801.185,"end":801.685,"sentiment":"neutral","sentiment_score":-0.027423322200775143}],"sentiment":"neutral","sentiment_score":-0.1323799572207711,"num_words":11,"start":772.215,"end":801.685},{"sentences":[{"text":"Absolutely.","start":802.225,"end":802.725,"sentiment":"neutral","sentiment_score":0.10843848437070848},{"text":"Absolutely.","start":809.60004,"end":810.10004,"sentiment":"neutral","sentiment_score":0.18414238095283508},{"text":"And, look, Matthew, if you decide at age 60 you don't wanna work any longer and you wanna retire, you let me know, and I'll work out what I can do strategy wise to make it work for you.","start":810.4,"end":819.68,"sentiment":"neutral","sentiment_score":0.23262940184810224},{"text":"You don't have to work to the age of 65.","start":819.68,"end":822.395,"sentiment":"neutral","sentiment_score":0.1261562556028366},{"text":"It's essentially when you want to retire, and there's no set balance as to what someone needs to retire on.","start":822.85504,"end":829.17505,"sentiment":"neutral","sentiment_score":0.1362365335226059}],"sentiment":"neutral","sentiment_score":0.18804817977295796,"num_words":71,"start":802.225,"end":829.17505},{"sentences":[{"text":"It's essentially what is right for you and your goals.","start":829.17505,"end":831.73505,"sentiment":"positive","sentiment_score":0.346971207857132},{"text":"So if you say, right, at 60, I I wanna retire.","start":831.73505,"end":834.56006,"sentiment":"neutral","sentiment_score":0.11521565304561095},{"text":"I've had enough.","start":834.56006,"end":835.28,"sentiment":"neutral","sentiment_score":0.06924563894669215},{"text":"I've worked my life.","start":835.28,"end":836.32,"sentiment":"neutral","sentiment_score":0.10881506837904453},{"text":"I'm done.","start":836.32,"end":836.98004,"sentiment":"neutral","sentiment_score":0.10906936228275299}],"sentiment":"neutral","sentiment_score":0.18660733923316003,"num_words":30,"start":829.17505,"end":836.98004},{"sentences":[{"text":"I will then look at what your super balance is, what we can do with the supers, whether we can consolidate them, how we draw down income to supplement you up until age 67.","start":837.36005,"end":846.34,"sentiment":"neutral","sentiment_score":0.1411755150731872},{"text":"And then we look from 67 what kind of eligibility you're able to get to supplement and how we pull back on super and how long that lasts.","start":846.595,"end":853.875,"sentiment":"neutral","sentiment_score":0.1060198335243123},{"text":"So that's all the kind of advice that I do provide and I can help you with, and we just look at what you need to live on at that point up until you get to retirement.","start":853.875,"end":862.52997,"sentiment":"neutral","sentiment_score":0.19879472014066335},{"text":"We sort of focus on it tends to be, for most people, a thousand dollars a week because we don't know what we're gonna need to live on.","start":862.52997,"end":868.52997,"sentiment":"neutral","sentiment_score":0.07282500235097748},{"text":"But when you get closer to that, you and I can look at a budget planner.","start":868.52997,"end":871.73,"sentiment":"neutral","sentiment_score":0.11372185405343771}],"sentiment":"neutral","sentiment_score":0.1327452952940981,"num_words":143,"start":837.36005,"end":871.73},{"sentences":[{"text":"We can talk about your expenditure, work out what you actually need to live on on a weekly basis, look at how long that survives, but then keep reviewing it to make sure that it's working and lasting as long as possible.","start":871.73,"end":882.115,"sentiment":"neutral","sentiment_score":0.23632417619228363},{"text":"Because you are right.","start":882.115,"end":883.255,"sentiment":"neutral","sentiment_score":0.201401486992836},{"text":"Some people have one or two years in retirement.","start":883.395,"end":885.735,"sentiment":"neutral","sentiment_score":-0.005234747090273433},{"text":"Other people have forty years.","start":885.875,"end":887.315,"sentiment":"neutral","sentiment_score":0.003532860428094864},{"text":"It's a whole another lifetime.","start":887.315,"end":888.695,"sentiment":"neutral","sentiment_score":0.2704615771770477}],"sentiment":"neutral","sentiment_score":0.18544739711170014,"num_words":65,"start":871.73,"end":888.695},{"sentences":[{"text":"So it's about just making sure it works for you as long as possible.","start":888.835,"end":892.66,"sentiment":"neutral","sentiment_score":0.32710660621523857},{"text":"All good.","start":895.28,"end":896.02,"sentiment":"positive","sentiment_score":0.40341317653656006},{"text":"The only other thing I wanted to make mention was we talked about your beneficiary nominations.","start":896.24,"end":900.74,"sentiment":"neutral","sentiment_score":0.1611881610006094},{"text":"So because you did have, obviously, you won a 45% to Emma, 45% to Hannah, and also 10% to your sister.","start":900.88,"end":908.53503,"sentiment":"neutral","sentiment_score":0.19576339352698552},{"text":"We talked about updating the beneficiary nomination to legal personal representative, which means in the event of you passing, a 100% of your super gets paid to your estate, which has your will done up, and your will you made mention has those percentages set out correctly.","start":908.755,"end":923.69,"sentiment":"neutral","sentiment_score":0.16863849838363362}],"sentiment":"neutral","sentiment_score":0.20002370104193687,"num_words":100,"start":888.835,"end":923.69},{"sentences":[{"text":"Is that still correct?","start":923.69,"end":924.91003,"sentiment":"neutral","sentiment_score":0.12073305435478687},{"text":"Yes.","start":926.73004,"end":927.23004,"sentiment":"neutral","sentiment_score":0.1379234939813614},{"text":"Yeah.","start":929.69,"end":930.19,"sentiment":"neutral","sentiment_score":0.10690273344516754},{"text":"Perfect.","start":938.075,"end":938.575,"sentiment":"positive","sentiment_score":0.5744912624359131},{"text":"So I am recommending we update your beneficiary nomination the same as we spoke about and have your super directed to your estate in the event of passing, mainly because as we kind of went through, your daughters do they are beneficiaries and are absolutely fine, but your sister isn't technically under the legislation.","start":938.71497,"end":956.38,"sentiment":"neutral","sentiment_score":0.19325225524328374}],"sentiment":"neutral","sentiment_score":0.19242412279375265,"num_words":61,"start":923.69,"end":956.38},{"sentences":[{"text":"So if she was to go and claim that 10% against your super, that would come back.","start":956.6,"end":961.635,"sentiment":"neutral","sentiment_score":-0.07461841952274828},{"text":"Essentially, they say you're not eligible.","start":961.635,"end":963.315,"sentiment":"neutral","sentiment_score":-0.2158663347363472},{"text":"It's not a valid nomination.","start":963.315,"end":964.695,"sentiment":"neutral","sentiment_score":-0.253937429189682},{"text":"And then that 10% goes through a probate process, which means that she's there's less, like, a chance that she may not get that money at all.","start":964.835,"end":972.455,"sentiment":"neutral","sentiment_score":-0.061685370212351834},{"text":"Absolute absolutely.","start":973.83,"end":975.93,"sentiment":"neutral","sentiment_score":0.08212829567492008}],"sentiment":"neutral","sentiment_score":-0.09359029281819076,"num_words":57,"start":956.6,"end":975.93},{"sentences":[{"text":"So having it set up to the LPR and having your super in the event of you passing paid to your estate, it means that that super money is paid to your will and then is distributed as per your will.","start":976.23,"end":986.595,"sentiment":"positive","sentiment_score":0.3395548335662702},{"text":"That's a much more streamlined process, and it means that all of your beneficiaries, including your sister, will essentially get be able to claim that money much easier.","start":986.675,"end":996.45496,"sentiment":"positive","sentiment_score":0.5535860306450299},{"text":"Does that make sense?","start":996.595,"end":997.65497,"sentiment":"neutral","sentiment_score":0.19206063076853752},{"text":"Yeah.","start":999.25,"end":999.75,"sentiment":"neutral","sentiment_score":0.0656883716583252},{"text":"Absolutely agree with you.","start":1003.32996,"end":1005.01,"sentiment":"neutral","sentiment_score":0.3011888563632965}],"sentiment":"positive","sentiment_score":0.4033441455700459,"num_words":78,"start":976.23,"end":1005.01},{"sentences":[{"text":"You've worked too hard.","start":1005.01,"end":1006.55,"sentiment":"neutral","sentiment_score":-0.0414439532905817},{"text":"Yeah.","start":1008.05,"end":1008.55,"sentiment":"neutral","sentiment_score":-0.012876056134700775},{"text":"Yeah.","start":1011.185,"end":1011.685,"sentiment":"neutral","sentiment_score":-0.12231410294771194},{"text":"Yeah.","start":1020.465,"end":1020.965,"sentiment":"neutral","sentiment_score":-0.18638741970062256},{"text":"It's not it's a long process, and you're arguing with court systems and lawyers, and it's just a mission.","start":1021.025,"end":1027.0901,"sentiment":"negative","sentiment_score":-0.35757403467830856}],"sentiment":"neutral","sentiment_score":-0.2800484634935856,"num_words":26,"start":1005.01,"end":1027.0901},{"sentences":[{"text":"My my husband's family are doing that at the moment, and it's really a difficult process.","start":1027.0901,"end":1031.75,"sentiment":"negative","sentiment_score":-0.3858618214726448},{"text":"I don't envy it in any way, shape, or form.","start":1031.89,"end":1034.05,"sentiment":"neutral","sentiment_score":-0.22812950015068054},{"text":"So I'm sorry.","start":1034.05,"end":1037.6849,"sentiment":"neutral","sentiment_score":-0.28012336293856305},{"text":"Absolutely.","start":1039.745,"end":1040.245,"sentiment":"neutral","sentiment_score":0.27390366792678833},{"text":"So now look.","start":1040.5449,"end":1041.105,"sentiment":"neutral","sentiment_score":0.1653167406717936}],"sentiment":"neutral","sentiment_score":-0.25835152557401947,"num_words":33,"start":1027.0901,"end":1041.105},{"sentences":[{"text":"Structuring this nomination this way is the best way to do it.","start":1041.105,"end":1044.3049,"sentiment":"positive","sentiment_score":0.35496458659569424},{"text":"It means that the super will go to your estate and then can be distributed as per your wishes in your will.","start":1044.3049,"end":1049.98,"sentiment":"positive","sentiment_score":0.40927387096665124},{"text":"It is a much more streamlined process.","start":1049.98,"end":1051.98,"sentiment":"positive","sentiment_score":0.523854102407183},{"text":"It means your sister is more likely to receive her 10%.","start":1051.98,"end":1055.2,"sentiment":"positive","sentiment_score":0.5349586606025696},{"text":"And it actually works out well because your super is then put into your estate with the rest of your assets.","start":1055.74,"end":1060.54,"sentiment":"positive","sentiment_score":0.49373682198070346}],"sentiment":"positive","sentiment_score":0.45456982802038326,"num_words":73,"start":1041.105,"end":1060.54},{"sentences":[{"text":"It's also lumped together, and then everything is claimed as one.","start":1060.54,"end":1064.645,"sentiment":"neutral","sentiment_score":0.31305307149887085},{"text":"So it all goes through the normal state process.","start":1064.645,"end":1066.7251,"sentiment":"neutral","sentiment_score":0.27890531884299385},{"text":"The tax return is completed, and then your trustee, you know, pays out.","start":1066.7251,"end":1071.685,"sentiment":"neutral","sentiment_score":0.24441565229342535},{"text":"Your executive pays out to each beneficiary correctly in the percentages nominated.","start":1071.685,"end":1076.265,"sentiment":"neutral","sentiment_score":0.30894509454568225},{"text":"So it just works out easier for you.","start":1076.405,"end":1078.59,"sentiment":"positive","sentiment_score":0.6018621698021889}],"sentiment":"neutral","sentiment_score":0.3330825212991463,"num_words":53,"start":1060.54,"end":1078.59},{"sentences":[{"text":"At the end of the day, a nomination is also just a protection in the event that something happens.","start":1079.21,"end":1083.69,"sentiment":"positive","sentiment_score":0.43139581303847463},{"text":"Ultimately, I want you to get to retirement, enjoy your money, and, you know, live as long as you possibly can.","start":1083.69,"end":1089.77,"sentiment":"positive","sentiment_score":0.5692107024646941},{"text":"So we'll but if you're comfortable, my team can my team can help by pre filling the nomination and send it to you.","start":1089.77,"end":1097.455,"sentiment":"neutral","sentiment_score":0.19653883803149927},{"text":"Is post or an email better for yourself?","start":1098.075,"end":1101.355,"sentiment":"neutral","sentiment_score":0.05650103511288762},{"text":"I can do both if you prefer.","start":1101.355,"end":1103.055,"sentiment":"neutral","sentiment_score":0.10886066566620554}],"sentiment":"neutral","sentiment_score":0.33185091557411045,"num_words":78,"start":1079.21,"end":1103.055},{"sentences":[{"text":"We can do both if it's easier.","start":1108.46,"end":1109.98,"sentiment":"neutral","sentiment_score":0.16631049875702178},{"text":"We can send email and post.","start":1109.98,"end":1111.84,"sentiment":"neutral","sentiment_score":0.08110885135829449},{"text":"Yeah.","start":1114.22,"end":1114.72,"sentiment":"neutral","sentiment_score":0.1166216880083084},{"text":"Absolutely.","start":1115.595,"end":1116.095,"sentiment":"positive","sentiment_score":0.6495504379272461},{"text":"Not a problem.","start":1116.5549,"end":1117.275,"sentiment":"positive","sentiment_score":0.4747271438439687}],"sentiment":"neutral","sentiment_score":0.21339889760646555,"num_words":18,"start":1108.46,"end":1117.275},{"sentences":[{"text":"We'll get that sorted for you.","start":1117.275,"end":1119.0549,"sentiment":"positive","sentiment_score":0.4267588059107463},{"text":"That is essentially the the rundown of the advice there.","start":1119.355,"end":1122.975,"sentiment":"neutral","sentiment_score":0.20517044067382811},{"text":"When you get some time, have a look in your email, open the advice document up.","start":1123.035,"end":1126.395,"sentiment":"neutral","sentiment_score":0.1876399298198521},{"text":"It does outline the advantages, the disadvantages, the risks involved of each of the strategies.","start":1126.395,"end":1130.735,"sentiment":"neutral","sentiment_score":0.15312040348847708},{"text":"I've also got the best interest duty there, which outlines why each of these recommendations are in your best interest.","start":1131.24,"end":1136.94,"sentiment":"neutral","sentiment_score":0.2891123294830322}],"sentiment":"neutral","sentiment_score":0.23423207106430138,"num_words":67,"start":1117.275,"end":1136.94},{"sentences":[{"text":"I've got also a little bit of a retirement projection there.","start":1137.08,"end":1139.56,"sentiment":"neutral","sentiment_score":0.10243605483661998},{"text":"So I limited scoping the retirement aspect to sort of show you where you're tracking for because, you know, you've worked really hard.","start":1139.56,"end":1145.345,"sentiment":"neutral","sentiment_score":0.1142640787622203},{"text":"You deserve to see the light at the end of that tunnel so far.","start":1145.345,"end":1148.1649,"sentiment":"neutral","sentiment_score":0.3046974092721939},{"text":"And then we'll just keep reviewing things and moving forward.","start":1148.3049,"end":1151.205,"sentiment":"neutral","sentiment_score":0.24981144368648528},{"text":"With your annual review docs that went out the other week, it looks like we had some trouble downloading those documents.","start":1151.825,"end":1156.7849,"sentiment":"neutral","sentiment_score":-0.0010518610832237062}],"sentiment":"neutral","sentiment_score":0.13286910757799691,"num_words":79,"start":1137.08,"end":1156.7849},{"sentences":[{"text":"So I've had to reupload the tax file opt in form and your ongoing service agreements.","start":1156.7849,"end":1161.3,"sentiment":"neutral","sentiment_score":0.004070628550834954},{"text":"They are also attached.","start":1161.3,"end":1162.6001,"sentiment":"neutral","sentiment_score":0.04921296238899231},{"text":"Once you've read through the document, if you have questions, come back and let me know.","start":1163.54,"end":1167.62,"sentiment":"neutral","sentiment_score":0.13935798360034823},{"text":"There is no such thing as a silly question.","start":1167.62,"end":1169.38,"sentiment":"neutral","sentiment_score":0.02961464309030109},{"text":"You're welcome to ask anything you like.","start":1169.38,"end":1171.215,"sentiment":"positive","sentiment_score":0.518975453717368}],"sentiment":"neutral","sentiment_score":0.12290518476556127,"num_words":52,"start":1156.7849,"end":1171.215},{"sentences":[{"text":"And if you read through it and decide you're happy to take the recommendations, we'll get you to sign all those documents and send them back to us, and we can have those investments which is placed for you nice and quickly.","start":1171.375,"end":1180.6749,"sentiment":"positive","sentiment_score":0.48136733330431436},{"text":"Okay?","start":1180.895,"end":1181.395,"sentiment":"neutral","sentiment_score":0.1732161045074463},{"text":"All good.","start":1183.215,"end":1183.83,"sentiment":"positive","sentiment_score":0.5398698449134827},{"text":"Is there any questions that might have come out of that so far, Matthew?","start":1183.9099,"end":1186.95,"sentiment":"neutral","sentiment_score":0.07554383123559612},{"text":"I know it can be difficult when I'm talking to you.","start":1186.95,"end":1189.5299,"sentiment":"neutral","sentiment_score":-0.12128237702629784}],"sentiment":"neutral","sentiment_score":0.30276987547320977,"num_words":70,"start":1171.375,"end":1189.5299},{"sentences":[{"text":"Yeah.","start":1192.71,"end":1193.21,"sentiment":"positive","sentiment_score":0.39696428179740906},{"text":"Beautiful.","start":1195.4299,"end":1195.9299,"sentiment":"positive","sentiment_score":0.6294124126434326},{"text":"Absolutely.","start":1199.355,"end":1199.855,"sentiment":"neutral","sentiment_score":0.022218620404601097},{"text":"And did you want me to do a bit of a catch up with you in the next sort of six months to see how things are tracking, or would you like this to twelve month catch up?","start":1200.5549,"end":1207.115,"sentiment":"neutral","sentiment_score":0.01470399096510128},{"text":"What would you like down the track?","start":1207.115,"end":1208.655,"sentiment":"neutral","sentiment_score":0.004892714454659394}],"sentiment":"neutral","sentiment_score":0.0341999160979564,"num_words":48,"start":1192.71,"end":1208.655},{"sentences":[{"text":"Yep.","start":1211.8999,"end":1212.3999,"sentiment":"neutral","sentiment_score":0.1387016326189041},{"text":"Still working?","start":1214.22,"end":1215.0399,"sentiment":"neutral","sentiment_score":0.1343325525522232},{"text":"Yeah.","start":1215.1,"end":1215.4199,"sentiment":"neutral","sentiment_score":0.1563624143600464},{"text":"Absolutely.","start":1215.4199,"end":1215.9199,"sentiment":"positive","sentiment_score":0.3551586866378784},{"text":"Not a problem.","start":1216.38,"end":1217.0199,"sentiment":"positive","sentiment_score":0.35623541474342346}],"sentiment":"neutral","sentiment_score":0.24844926036894321,"num_words":8,"start":1211.8999,"end":1217.0199},{"sentences":[{"text":"I will put that in my calendar, and my team will touch base in six months to book you in.","start":1217.0199,"end":1220.925,"sentiment":"neutral","sentiment_score":0.2231137990951538},{"text":"And, yeah, just have a look through the documents there.","start":1221.3251,"end":1223.405,"sentiment":"neutral","sentiment_score":0.08482154086232185},{"text":"I have also added some issues.","start":1223.405,"end":1225.005,"sentiment":"neutral","sentiment_score":0.02622096783791979},{"text":"Depends on how much reading you like, I suppose.","start":1225.005,"end":1227.005,"sentiment":"neutral","sentiment_score":0.008875527315669589},{"text":"But I've got some product disclosure statements and some additional information attached there for you in relation to the recommendations I've made.","start":1227.005,"end":1234.56,"sentiment":"neutral","sentiment_score":0.04865653897550973}],"sentiment":"neutral","sentiment_score":0.09877822090829931,"num_words":67,"start":1217.0199,"end":1234.56},{"sentences":[{"text":"If you wanted to run through the PDFs and have a bit of a look at hub 24 and CSC for information, which is the military super, you're welcome to have a look through those as well.","start":1234.56,"end":1244.3201,"sentiment":"neutral","sentiment_score":0.07003318709698883},{"text":"Okay?","start":1244.3201,"end":1244.8201,"sentiment":"neutral","sentiment_score":0.05287982523441315},{"text":"Awesome.","start":1247.215,"end":1247.715,"sentiment":"positive","sentiment_score":0.3337949514389038},{"text":"I will let you go, Matthew.","start":1247.9349,"end":1249.5349,"sentiment":"neutral","sentiment_score":0.30742894609769184},{"text":"Thank you so much for your time.","start":1249.5349,"end":1250.8949,"sentiment":"positive","sentiment_score":0.47447974341256277}],"sentiment":"neutral","sentiment_score":0.15661220345646143,"num_words":52,"start":1234.56,"end":1250.8949},{"sentences":[{"text":"But if there's any questions that come out of that document, don't hesitate to give me a call.","start":1250.8949,"end":1254.8949,"sentiment":"neutral","sentiment_score":0.11333142345150311},{"text":"Okay?","start":1254.8949,"end":1255.3949,"sentiment":"neutral","sentiment_score":0.12923088669776917},{"text":"My pleasure.","start":1257.9349,"end":1258.735,"sentiment":"positive","sentiment_score":0.5978452861309052},{"text":"Enjoy your day.","start":1258.735,"end":1259.5349,"sentiment":"positive","sentiment_score":0.5692307750384012},{"text":"Enjoy your week.","start":1259.5349,"end":1260.4149,"sentiment":"positive","sentiment_score":0.35136083761850995}],"sentiment":"neutral","sentiment_score":0.2269134044095322,"num_words":27,"start":1250.8949,"end":1260.4149},{"sentences":[{"text":"You're off this week.","start":1260.4149,"end":1261.375,"sentiment":"neutral","sentiment_score":0.010447990614920855},{"text":"Is that right?","start":1261.375,"end":1262.2749,"sentiment":"neutral","sentiment_score":0.0321931466460228},{"text":"Yep.","start":1264.3501,"end":1264.8501,"sentiment":"neutral","sentiment_score":-0.039298273622989655},{"text":"Yeah.","start":1267.2301,"end":1267.7301,"sentiment":"neutral","sentiment_score":-0.012065287679433824},{"text":"Oh, yes.","start":1267.79,"end":1271.01,"sentiment":"neutral","sentiment_score":0.038218485191464424}],"sentiment":"neutral","sentiment_score":0.014858619225296106,"num_words":11,"start":1260.4149,"end":1271.01},{"sentences":[{"text":"Yeah.","start":1271.0701,"end":1271.2301,"sentiment":"neutral","sentiment_score":0.05817486345767975},{"text":"Yeah.","start":1271.2301,"end":1271.7301,"sentiment":"neutral","sentiment_score":0.056960634887218475},{"text":"You told me that last time, and how's that going?","start":1272.67,"end":1275.0701,"sentiment":"neutral","sentiment_score":0.0384172635152936},{"text":"Is it being progressing nicely?","start":1275.0701,"end":1276.75,"sentiment":"neutral","sentiment_score":0.04423666223883629},{"text":"Or fantastic.","start":1276.75,"end":1283.245,"sentiment":"positive","sentiment_score":0.3885210156440735}],"sentiment":"neutral","sentiment_score":0.07881755136737698,"num_words":19,"start":1271.0701,"end":1283.245},{"sentences":[{"text":"Oh, I love that.","start":1283.245,"end":1284.205,"sentiment":"positive","sentiment_score":0.6649627983570099},{"text":"Fantastic.","start":1284.205,"end":1284.705,"sentiment":"positive","sentiment_score":0.7175630927085876},{"text":"Oh, that's excellent.","start":1285.885,"end":1286.945,"sentiment":"positive","sentiment_score":0.5570157766342163},{"text":"Yeah.","start":1287.005,"end":1287.325,"sentiment":"positive","sentiment_score":0.3375638723373413},{"text":"Well, good luck.","start":1287.325,"end":1288.125,"sentiment":"positive","sentiment_score":0.4699333409468333}],"sentiment":"positive","sentiment_score":0.5663187926014265,"num_words":12,"start":1283.245,"end":1288.125},{"sentences":[{"text":"I'll keep in touch with you.","start":1288.125,"end":1289.73,"sentiment":"neutral","sentiment_score":0.3216591427723567},{"text":"We'll talk in the next six months.","start":1289.8099,"end":1291.01,"sentiment":"neutral","sentiment_score":0.13894938411457197},{"text":"And if there's anything that comes up in the meantime, look, you're not limited to just contact at the times that we stipulate, like, for quarterly and things.","start":1291.01,"end":1298.29,"sentiment":"neutral","sentiment_score":0.0612688924718116},{"text":"If something comes up in the meantime and you want an extra conversation, let us know.","start":1298.29,"end":1302.465,"sentiment":"neutral","sentiment_score":0.11081051640212536},{"text":"My team will book you in, and you and I can talk about anything that's on your mind.","start":1302.465,"end":1306.625,"sentiment":"positive","sentiment_score":0.3768780082464218}],"sentiment":"neutral","sentiment_score":0.1756653592735529,"num_words":75,"start":1288.125,"end":1306.625},{"sentences":[{"text":"Okay?","start":1306.625,"end":1307.125,"sentiment":"neutral","sentiment_score":0.20223340392112732},{"text":"Thanks so much, Matthew.","start":1308.7269,"end":1310.007,"sentiment":"positive","sentiment_score":0.8685972392559052},{"text":"Enjoy your day.","start":1310.007,"end":1310.8069,"sentiment":"positive","sentiment_score":0.8021233081817627},{"text":"Don't work too hard.","start":1310.8069,"end":1312.1069,"sentiment":"neutral","sentiment_score":0.06722415238618851},{"text":"Thank you.","start":1314.5669,"end":1315.127,"sentiment":"positive","sentiment_score":0.6932362914085388}],"sentiment":"positive","sentiment_score":0.5527401055608477,"num_words":14,"start":1306.625,"end":1315.127},{"sentences":[{"text":"Talk to you soon.","start":1315.127,"end":1315.9269,"sentiment":"positive","sentiment_score":0.5109845548868179},{"text":"See you later.","start":1315.9269,"end":1316.747,"sentiment":"positive","sentiment_score":0.39133530855178833},{"text":"Bye.","start":1317.527,"end":1318.027,"sentiment":"neutral","sentiment_score":-0.11945287138223648}],"sentiment":"positive","sentiment_score":0.38731140922755003,"num_words":8,"start":1315.127,"end":1318.027}]}}]},{"alternatives":[{"transcript":"Hi. Maddie speaking. Hey. Not too bad. Not too bad. Yeah. It'd be fine. Yeah. I've I've I've got you on hands free. So Yeah. Not not while I'm driving. Sorry. Yep. Yep. No worries. That's fine electronically. Yeah. Yeah. No worries. Yep. Yep. Yeah. Matthew James Hodges. 259 Bloomfield Street, Cleveland, Queensland 4163. '20 for May seventy two. Yes. Yes. Yes. Yeah. So it's always been a it's always been pretty good. Okay. Yep. Yep. Yep. Mhmm. Good. Yep. Sounds good. Okay. Yep. Because obviously obviously, any any sort of returns that comes in from anything, I'll just all wanna obviously just staying in there rolling into it to to build the yeah. Yep. Yep. Yeah. It it grows significantly each year. So gotta gotta get something for twenty years of breaking my body for them. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. Yeah. I guess certain some certain fees, I guess, you can't really escape. Yeah. Yeah. Yep. Yep. Mhmm. Alright. Yep. Mhmm. Yep. When it starts yeah. When I'm getting close to the winding up. Yeah. Because in all reality, you know, once once you retire, you you don't know how many years you actually get to joy at all. So yeah. So like I said, yeah. Like yeah. Like, I I don't want I'm not gonna be working. I don't intend to be working when I'm 70 years old. Like, I mean, I don't even wanna work till I'm 65, but whatever. But I'll just do what I gotta do till I get enough to get out. Because, you know what I mean? You you hear too many times people, oh, they're retired and then two years later. Say two years, then and then they go you just don't know. So I don't. Yeah. No. No good saving all just to pass it on to someone when you target. Yes. Yes. Yep. No worries. Yep. Yeah. Yep. No worries. Alrighty. Yep. Yes. My my will that's what the will says. And and and my and my sister is enduring power of attorney. She has that as well. I wanna avoid probate if I can. I wanna avoid probate if I can. Yep. The government gets enough money without sucking the probate out of them. I know what it's like because I went with my my I had my younger brother, and then I had my mother. And both times, it was like a nightmare getting through it. So because of all the bullshit fees they suck you for regardless of what it says and who will or whatever. So, yeah, I yep. Yeah. And I don't. I mean, I've been through it twice, and I don't wanna put anyone else through that when I before I go. So yep. Yep. Yep. Yep. That's fine. Yep. Probably yeah. Yeah. Just yep. Yep. That'd be good. Yep. Yep. Yep. No worries. Yep. Sounds good. No. That's alright. I'm I'm pretty good. I've yeah. I'm pretty happy that just came to to, yeah, just go ahead with it now, I guess. Yeah. Six months. A six month catch up just to reassure if, you know, everything's on track. Yep. Yep. No worries. Yep. Awesome. Thanks for that. Yeah. Yeah. But I'm I'm I'm pretty flooded out. So, yeah, I'm doing getting my reno's done and all that sort of stuff. He's adding value to my house. Yeah. It's going pretty good. I'm I'm getting, you know, the light at the end of tunnel is getting brighter now. So awesome. No worries. Cool. Alright. Thank you. Bye 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Maddie speaking. Hey. Not too bad. Not too bad.\n\nYeah. It'd be fine. Yeah. I've I've I've got you on hands free. So Yeah.\n\nNot not while I'm driving. Sorry. Yep. Yep. No worries.\n\nThat's fine electronically. Yeah. Yeah. No worries. Yep.\n\nYep. Yeah. Matthew James Hodges. 259 Bloomfield Street, Cleveland, Queensland 4163. '20 for May seventy two.\n\nYes. Yes. Yes. Yeah. So it's always been a it's always been pretty good.\n\nOkay. Yep. Yep. Yep. Mhmm.\n\nGood. Yep. Sounds good. Okay. Yep.\n\nBecause obviously obviously, any any sort of returns that comes in from anything, I'll just all wanna obviously just staying in there rolling into it to to build the yeah. Yep. Yep. Yeah. It it grows significantly each year.\n\nSo gotta gotta get something for twenty years of breaking my body for them. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yeah. Yeah. I guess certain some certain fees, I guess, you can't really escape.\n\nYeah. Yeah. Yep. Yep. Mhmm.\n\nAlright. Yep. Mhmm. Yep. When it starts yeah.\n\nWhen I'm getting close to the winding up. Yeah. Because in all reality, you know, once once you retire, you you don't know how many years you actually get to joy at all. So yeah. So like I said, yeah.\n\nLike yeah. Like, I I don't want I'm not gonna be working. I don't intend to be working when I'm 70 years old. Like, I mean, I don't even wanna work till I'm 65, but whatever. But I'll just do what I gotta do till I get enough to get out.\n\nBecause, you know what I mean? You you hear too many times people, oh, they're retired and then two years later. Say two years, then and then they go you just don't know. So I don't. Yeah.\n\nNo. No good saving all just to pass it on to someone when you target. Yes. Yes. Yep.\n\nNo worries. Yep. Yeah. Yep. No worries.\n\nAlrighty. Yep. Yes. My my will that's what the will says. And and and my and my sister is enduring power of attorney.\n\nShe has that as well. I wanna avoid probate if I can. I wanna avoid probate if I can. Yep. The government gets enough money without sucking the probate out of them.\n\nI know what it's like because I went with my my I had my younger brother, and then I had my mother. And both times, it was like a nightmare getting through it. So because of all the bullshit fees they suck you for regardless of what it says and who will or whatever. So, yeah, I yep. Yeah.\n\nAnd I don't. I mean, I've been through it twice, and I don't wanna put anyone else through that when I before I go. So yep. Yep. Yep.\n\nYep. That's fine. Yep. Probably yeah. Yeah.\n\nJust yep. Yep. That'd be good. Yep. Yep.\n\nYep. No worries. Yep. Sounds good. No.\n\nThat's alright. I'm I'm pretty good. I've yeah. I'm pretty happy that just came to to, yeah, just go ahead with it now, I guess. Yeah.\n\nSix months. A six month catch up just to reassure if, you know, everything's on track. Yep. Yep. No worries.\n\nYep. Awesome. Thanks for that. Yeah. Yeah.\n\nBut I'm I'm I'm pretty flooded out. So, yeah, I'm doing getting my reno's done and all that sort of stuff. He's adding value to my house. Yeah. It's going pretty good.\n\nI'm I'm getting, you know, the light at the end of tunnel is getting brighter now. So awesome. No worries. Cool. Alright.\n\nThank you. Bye bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.24,"end":0.39999998,"sentiment":"neutral","sentiment_score":0.0619647279381752},{"text":"Maddie speaking.","start":0.39999998,"end":1.14,"sentiment":"neutral","sentiment_score":0.04664240777492523},{"text":"Hey.","start":6.8799996,"end":7.2,"sentiment":"neutral","sentiment_score":0.24753758311271667},{"text":"Not too bad.","start":7.2,"end":8.1,"sentiment":"neutral","sentiment_score":0.28100887934366864},{"text":"Not too bad.","start":8.16,"end":9.059999,"sentiment":"positive","sentiment_score":0.38317111134529114}],"sentiment":"neutral","sentiment_score":0.23953270986676217,"num_words":10,"start":0.24,"end":9.059999},{"sentences":[{"text":"Yeah.","start":17.675,"end":17.915,"sentiment":"neutral","sentiment_score":0.1768401563167572},{"text":"It'd be 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them.","start":390.92502,"end":398.19,"sentiment":"neutral","sentiment_score":0.07321386731096677},{"text":"Yep.","start":404.81,"end":405.31,"sentiment":"neutral","sentiment_score":0.2357721775770187},{"text":"Yep.","start":417.72498,"end":418.22498,"sentiment":"neutral","sentiment_score":-0.01159745268523693},{"text":"Yep.","start":431.5,"end":432.0,"sentiment":"neutral","sentiment_score":0.2906290292739868},{"text":"Yep.","start":444.795,"end":445.295,"sentiment":"neutral","sentiment_score":0.2711929976940155}],"sentiment":"neutral","sentiment_score":0.10061060523407327,"num_words":18,"start":390.92502,"end":445.295},{"sentences":[{"text":"Yep.","start":480.28,"end":480.78,"sentiment":"neutral","sentiment_score":0.2455294132232666},{"text":"Yep.","start":480.84,"end":481.34,"sentiment":"neutral","sentiment_score":0.22099995613098145},{"text":"Yeah.","start":508.22,"end":508.72,"sentiment":"neutral","sentiment_score":0.05264873802661896},{"text":"Yeah.","start":509.98,"end":510.38,"sentiment":"neutral","sentiment_score":0.041412077844142914},{"text":"I guess certain some certain fees, I guess, you can't really escape.","start":510.38,"end":515.44,"sentiment":"neutral","sentiment_score":-0.015241471119225025}],"sentiment":"neutral","sentiment_score":0.02360578323714435,"num_words":16,"start":480.28,"end":515.44},{"sentences":[{"text":"Yeah.","start":519.95496,"end":520.45496,"sentiment":"neutral","sentiment_score":0.032934390008449554},{"text":"Yeah.","start":532.755,"end":533.255,"sentiment":"neutral","sentiment_score":0.07823087275028229},{"text":"Yep.","start":553.85504,"end":554.35504,"sentiment":"neutral","sentiment_score":0.06314627826213837},{"text":"Yep.","start":603.53503,"end":604.03503,"sentiment":"neutral","sentiment_score":-0.03665456175804138},{"text":"Mhmm.","start":611.375,"end":611.875,"sentiment":"neutral","sentiment_score":-0.015116574242711067}],"sentiment":"neutral","sentiment_score":0.024508081004023553,"num_words":5,"start":519.95496,"end":611.875},{"sentences":[{"text":"Alright.","start":618.08,"end":618.58,"sentiment":"neutral","sentiment_score":0.16800379753112793},{"text":"Yep.","start":656.42,"end":656.92,"sentiment":"neutral","sentiment_score":0.0633966475725174},{"text":"Mhmm.","start":675.36005,"end":675.86005,"sentiment":"neutral","sentiment_score":-0.03264410421252251},{"text":"Yep.","start":725.15497,"end":725.65497,"sentiment":"neutral","sentiment_score":0.16589562594890594},{"text":"When it starts yeah.","start":738.77,"end":740.69,"sentiment":"neutral","sentiment_score":0.05015295743942261}],"sentiment":"neutral","sentiment_score":0.0706579745747149,"num_words":8,"start":618.08,"end":740.69},{"sentences":[{"text":"When I'm getting close to the winding up.","start":740.69,"end":745.285,"sentiment":"neutral","sentiment_score":0.06107363337650895},{"text":"Yeah.","start":755.665,"end":755.985,"sentiment":"neutral","sentiment_score":0.05738966166973114},{"text":"Because in all reality, you know, once once you retire, you you don't know how many years you actually get to joy at all.","start":755.985,"end":768.35,"sentiment":"neutral","sentiment_score":0.04621450692260017},{"text":"So yeah.","start":768.35,"end":770.35,"sentiment":"neutral","sentiment_score":0.07704737782478333},{"text":"So like I said, yeah.","start":770.35,"end":774.825,"sentiment":"neutral","sentiment_score":-0.07398227453231812}],"sentiment":"neutral","sentiment_score":0.035982756945304575,"num_words":40,"start":740.69,"end":774.825},{"sentences":[{"text":"Like yeah.","start":775.685,"end":778.24506,"sentiment":"neutral","sentiment_score":-0.13536693155765533},{"text":"Like, I I don't want I'm not gonna be working.","start":778.24506,"end":780.585,"sentiment":"neutral","sentiment_score":-0.3077675744891167},{"text":"I don't intend to be working when I'm 70 years old.","start":780.645,"end":783.36505,"sentiment":"neutral","sentiment_score":-0.27008347484198486},{"text":"Like, I mean, I don't even wanna work till I'm 65, but whatever.","start":783.36505,"end":788.86,"sentiment":"neutral","sentiment_score":-0.19860069912213546},{"text":"But I'll just do what I gotta do till I get enough to get out.","start":788.92,"end":792.76,"sentiment":"neutral","sentiment_score":-0.1117277649541696}],"sentiment":"neutral","sentiment_score":-0.20739320380722776,"num_words":51,"start":775.685,"end":792.76},{"sentences":[{"text":"Because, you know what I mean?","start":792.76,"end":793.48,"sentiment":"neutral","sentiment_score":-0.07603081439932187},{"text":"You you hear too many times people, oh, they're retired and then two years later.","start":793.48,"end":797.39996,"sentiment":"neutral","sentiment_score":-0.14858614404996237},{"text":"Say two years, then and then they go you just don't know.","start":797.39996,"end":800.44,"sentiment":"neutral","sentiment_score":-0.16206789016723633},{"text":"So I don't.","start":800.44,"end":801.26,"sentiment":"neutral","sentiment_score":-0.31030986706415814},{"text":"Yeah.","start":802.695,"end":802.935,"sentiment":"neutral","sentiment_score":-0.06121918559074402}],"sentiment":"neutral","sentiment_score":-0.15194433826852488,"num_words":37,"start":792.76,"end":802.935},{"sentences":[{"text":"No.","start":802.935,"end":803.435,"sentiment":"negative","sentiment_score":-0.4738418757915497},{"text":"No good saving all just to pass it on to someone when you target.","start":805.415,"end":809.115,"sentiment":"negative","sentiment_score":-0.4952955160822187},{"text":"Yes.","start":825.77,"end":826.27,"sentiment":"neutral","sentiment_score":0.23057284951210025},{"text":"Yes.","start":833.315,"end":833.815,"sentiment":"neutral","sentiment_score":0.1456669121980667},{"text":"Yep.","start":847.09,"end":847.59,"sentiment":"neutral","sentiment_score":0.11228427290916444}],"sentiment":"negative","sentiment_score":-0.3844141703512933,"num_words":18,"start":802.935,"end":847.59},{"sentences":[{"text":"No worries.","start":854.69,"end":855.43005,"sentiment":"neutral","sentiment_score":0.13475606963038445},{"text":"Yep.","start":866.925,"end":867.00494,"sentiment":"neutral","sentiment_score":-0.006107203662395477},{"text":"Yeah.","start":867.00494,"end":867.50494,"sentiment":"neutral","sentiment_score":0.05877184867858887},{"text":"Yep.","start":889.34503,"end":889.825,"sentiment":"neutral","sentiment_score":0.25659236311912537},{"text":"No worries.","start":889.825,"end":890.645,"sentiment":"neutral","sentiment_score":0.225640669465065}],"sentiment":"neutral","sentiment_score":0.14715006947517395,"num_words":7,"start":854.69,"end":890.645},{"sentences":[{"text":"Alrighty.","start":895.29,"end":895.79,"sentiment":"positive","sentiment_score":0.44124722480773926},{"text":"Yep.","start":909.05,"end":909.525,"sentiment":"neutral","sentiment_score":0.14096421003341675},{"text":"Yes.","start":925.61,"end":926.01,"sentiment":"neutral","sentiment_score":0.09385877847671507},{"text":"My my will that's what the will says.","start":926.01,"end":928.97003,"sentiment":"neutral","sentiment_score":0.13173787342384458},{"text":"And and and my and my sister is enduring power of attorney.","start":928.97003,"end":936.49,"sentiment":"neutral","sentiment_score":0.10318452306091785}],"sentiment":"neutral","sentiment_score":0.12905162945389748,"num_words":23,"start":895.29,"end":936.49},{"sentences":[{"text":"She has that as well.","start":936.49,"end":937.71,"sentiment":"neutral","sentiment_score":0.1614787459373474},{"text":"I wanna avoid probate if I can.","start":970.505,"end":972.985,"sentiment":"neutral","sentiment_score":-0.03655454782502992},{"text":"I wanna avoid probate if I can.","start":972.985,"end":975.085,"sentiment":"neutral","sentiment_score":-0.03847943086709295},{"text":"Yep.","start":998.015,"end":998.515,"sentiment":"neutral","sentiment_score":0.055417440831661224},{"text":"The government gets enough money without sucking the probate out of them.","start":999.055,"end":1002.835,"sentiment":"neutral","sentiment_score":0.05048245812455813}],"sentiment":"neutral","sentiment_score":0.029480088036507368,"num_words":32,"start":936.49,"end":1002.835},{"sentences":[{"text":"I know what it's like because I went with my my I had my younger brother, and then I had my mother.","start":1005.455,"end":1011.24005,"sentiment":"neutral","sentiment_score":-0.05907507316971367},{"text":"And both times, it was like a nightmare getting through it.","start":1011.24005,"end":1014.12,"sentiment":"negative","sentiment_score":-0.4537956281141801},{"text":"So because of all the bullshit fees they suck you for regardless of what it says and who will or whatever.","start":1014.12,"end":1019.80005,"sentiment":"negative","sentiment_score":-0.5564689068567186},{"text":"So, yeah, I yep.","start":1019.80005,"end":1026.835,"sentiment":"neutral","sentiment_score":-0.24981368333101273},{"text":"Yeah.","start":1032.415,"end":1032.915,"sentiment":"neutral","sentiment_score":-0.21248652040958405}],"sentiment":"neutral","sentiment_score":-0.32523714943583737,"num_words":59,"start":1005.455,"end":1032.915},{"sentences":[{"text":"And I don't.","start":1033.055,"end":1033.875,"sentiment":"neutral","sentiment_score":-0.13231762250264487},{"text":"I mean, I've been through it twice, and I don't wanna put anyone else through that when I before I go.","start":1034.16,"end":1039.04,"sentiment":"neutral","sentiment_score":-0.261280194634483},{"text":"So yep.","start":1039.04,"end":1045.38,"sentiment":"neutral","sentiment_score":0.2898293361067772},{"text":"Yep.","start":1055.905,"end":1056.405,"sentiment":"positive","sentiment_score":0.49757370352745056},{"text":"Yep.","start":1075.015,"end":1075.515,"sentiment":"positive","sentiment_score":0.3674617409706116}],"sentiment":"neutral","sentiment_score":-0.1585408156471593,"num_words":28,"start":1033.055,"end":1075.515},{"sentences":[{"text":"Yep.","start":1090.25,"end":1090.75,"sentiment":"neutral","sentiment_score":0.13436338305473328},{"text":"That's fine.","start":1092.25,"end":1093.07,"sentiment":"neutral","sentiment_score":0.23586460947990417},{"text":"Yep.","start":1098.09,"end":1098.59,"sentiment":"neutral","sentiment_score":0.06131948158144951},{"text":"Probably yeah.","start":1103.8251,"end":1113.665,"sentiment":"neutral","sentiment_score":0.09486640989780426},{"text":"Yeah.","start":1113.665,"end":1114.0651,"sentiment":"neutral","sentiment_score":0.0955764502286911}],"sentiment":"neutral","sentiment_score":0.13610305051718438,"num_words":7,"start":1090.25,"end":1114.0651},{"sentences":[{"text":"Just yep.","start":1114.0651,"end":1115.045,"sentiment":"neutral","sentiment_score":0.1323269046843052},{"text":"Yep.","start":1115.185,"end":1115.425,"sentiment":"neutral","sentiment_score":0.2189246118068695},{"text":"That'd be good.","start":1115.425,"end":1116.12,"sentiment":"positive","sentiment_score":0.548760453859965},{"text":"Yep.","start":1131.895,"end":1132.395,"sentiment":"neutral","sentiment_score":0.2642202377319336},{"text":"Yep.","start":1148.84,"end":1149.34,"sentiment":"neutral","sentiment_score":0.18345105648040771}],"sentiment":"neutral","sentiment_score":0.3221913846209645,"num_words":8,"start":1114.0651,"end":1149.34},{"sentences":[{"text":"Yep.","start":1180.9299,"end":1181.4299,"sentiment":"neutral","sentiment_score":0.1405463069677353},{"text":"No worries.","start":1181.49,"end":1182.21,"sentiment":"neutral","sentiment_score":0.22896022349596024},{"text":"Yep.","start":1182.21,"end":1182.71,"sentiment":"neutral","sentiment_score":0.2643800675868988},{"text":"Sounds good.","start":1182.7699,"end":1183.665,"sentiment":"positive","sentiment_score":0.5977823436260223},{"text":"No.","start":1189.8251,"end":1190.145,"sentiment":"neutral","sentiment_score":-0.08832857757806778}],"sentiment":"neutral","sentiment_score":0.28144041874579023,"num_words":7,"start":1180.9299,"end":1190.145},{"sentences":[{"text":"That's alright.","start":1190.145,"end":1190.7051,"sentiment":"neutral","sentiment_score":0.054831065237522125},{"text":"I'm I'm pretty good.","start":1190.7051,"end":1191.8251,"sentiment":"positive","sentiment_score":0.3413572907447815},{"text":"I've yeah.","start":1191.8251,"end":1193.105,"sentiment":"neutral","sentiment_score":0.2455906867980957},{"text":"I'm pretty happy that just came to to, yeah, just go ahead with it now, I guess.","start":1193.105,"end":1199.125,"sentiment":"positive","sentiment_score":0.5068877216647653},{"text":"Yeah.","start":1208.41,"end":1208.73,"sentiment":"neutral","sentiment_score":0.03549030050635338}],"sentiment":"positive","sentiment_score":0.4084174706099125,"num_words":26,"start":1190.145,"end":1208.73},{"sentences":[{"text":"Six months.","start":1208.73,"end":1209.55,"sentiment":"neutral","sentiment_score":0.027501593809574842},{"text":"A six month catch up just to reassure if, you know, everything's on track.","start":1209.61,"end":1214.585,"sentiment":"neutral","sentiment_score":0.14539633292172635},{"text":"Yep.","start":1217.0449,"end":1217.5449,"sentiment":"neutral","sentiment_score":0.24979697167873385},{"text":"Yep.","start":1221.2849,"end":1221.7849,"sentiment":"neutral","sentiment_score":0.11944463104009628},{"text":"No worries.","start":1245.6849,"end":1246.4249,"sentiment":"neutral","sentiment_score":0.11265671998262405}],"sentiment":"neutral","sentiment_score":0.13425534456036986,"num_words":20,"start":1208.73,"end":1246.4249},{"sentences":[{"text":"Yep.","start":1249.9249,"end":1250.4249,"sentiment":"positive","sentiment_score":0.3977625370025635},{"text":"Awesome.","start":1256.13,"end":1256.53,"sentiment":"positive","sentiment_score":0.4074203670024872},{"text":"Thanks for that.","start":1256.53,"end":1257.4299,"sentiment":"positive","sentiment_score":0.5770862102508545},{"text":"Yeah.","start":1262.9299,"end":1263.25,"sentiment":"neutral","sentiment_score":0.0010698800906538963},{"text":"Yeah.","start":1263.25,"end":1263.57,"sentiment":"neutral","sentiment_score":-0.005976004526019096}],"sentiment":"positive","sentiment_score":0.3616479157603213,"num_words":7,"start":1249.9249,"end":1263.57},{"sentences":[{"text":"But I'm I'm I'm pretty flooded out.","start":1263.57,"end":1266.095,"sentiment":"neutral","sentiment_score":-0.11908533690231186},{"text":"So, yeah, I'm doing getting my reno's done and all that sort of stuff.","start":1266.095,"end":1270.4149,"sentiment":"neutral","sentiment_score":0.011575119869251336},{"text":"He's adding value to my house.","start":1270.4149,"end":1272.0349,"sentiment":"neutral","sentiment_score":0.07328749820590019},{"text":"Yeah.","start":1276.0149,"end":1276.255,"sentiment":"neutral","sentiment_score":0.0784158706665039},{"text":"It's going pretty good.","start":1276.255,"end":1277.215,"sentiment":"neutral","sentiment_score":0.11564412713050842}],"sentiment":"neutral","sentiment_score":0.009661615258664824,"num_words":32,"start":1263.57,"end":1277.215},{"sentences":[{"text":"I'm I'm getting, you know, the light at the end of tunnel is getting brighter now.","start":1277.215,"end":1282.41,"sentiment":"neutral","sentiment_score":0.26693329960107803},{"text":"So awesome.","start":1282.41,"end":1286.1901,"sentiment":"positive","sentiment_score":0.6207478046417236},{"text":"No worries.","start":1307.19,"end":1308.01,"sentiment":"positive","sentiment_score":0.33381955325603485},{"text":"Cool.","start":1308.07,"end":1308.57,"sentiment":"positive","sentiment_score":0.7318456768989563},{"text":"Alright.","start":1313.03,"end":1313.4299,"sentiment":"positive","sentiment_score":0.42486685514450073}],"sentiment":"positive","sentiment_score":0.3334900018843738,"num_words":22,"start":1277.215,"end":1313.4299},{"sentences":[{"text":"Thank you.","start":1313.4299,"end":1314.17,"sentiment":"positive","sentiment_score":0.7072866261005402},{"text":"Bye bye.","start":1316.47,"end":1317.21,"sentiment":"neutral","sentiment_score":0.19034934788942337}],"sentiment":"positive","sentiment_score":0.44881798699498177,"num_words":4,"start":1313.4299,"end":1317.21}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hi. Maddie speaking.\n\nChannel 0: Hi, Matthew. We're Zane of Mercy Financial. How are you this morning?\n\nChannel 1: Hey. Not too bad. Not too bad.\n\nChannel 0: That's good. I had you booked in just to go through your updated statement of advice to look at switching those investments out. Is now still a good time there for you?\n\nChannel 1: Yeah. It'd be fine. Yeah. I've I've\n\nChannel 0: Yep.\n\nChannel 1: I've got you on hands free. So\n\nChannel 0: Oh, fantastic. Do you happen to have access to your emails at the moment? If you don't, that is honestly\n\nChannel 1: Yeah.\n\nChannel 0: okay.\n\nChannel 1: Not\n\nChannel 0: It's just normally it's easy to go through the document together. That's all.\n\nChannel 1: not while I'm driving. Sorry.\n\nChannel 0: Oh, you're driving. No. That's okay. Not a problem at all. What I can do for you is I'll run through the recommendations, try to keep them as simple as possible, give you the information\n\nChannel 1: Yep.\n\nChannel 0: that I need to. I\n\nChannel 1: Yep.\n\nChannel 0: have sent you an email, so the documents are in your email for you to have a look at later, and then we'll just get you assigned and return that back to have the implementation completed for you. Okay?\n\nChannel 1: No worries. That's fine electronically.\n\nChannel 0: Yeah. Yeah. Nice\n\nChannel 1: Yeah.\n\nChannel 0: and\n\nChannel 1: Yeah.\n\nChannel 0: easy.\n\nChannel 1: No worries. Yep. Yep.\n\nChannel 0: All good, Matthew. Now before I jump into the code, I do have to do a quick security check there with you just to confirm your full name, your date of birth, and address I have on file, and also just to confirm you're comfortable with us recording the call as well.\n\nChannel 1: Yeah. Matthew James Hodges.\n\nChannel 0: Yep.\n\nChannel 1: 259 Bloomfield Street, Cleveland, Queensland 4163. '20 for May seventy two.\n\nChannel 0: Fantastic. Excellent. Thank you so much. So, essentially, just sort of going back, we did your annual review a few weeks back, and we wanted to maybe look at switching out some underperforming investments there. Essentially,\n\nChannel 1: Yes.\n\nChannel 0: your super goal is that you wanna see you're in super working harder. You're looking to seek as lower fees as possible to make sure you are able to have a comfortable retirement there. What we're looking to sort of do is look at switching out, as I said, some underperforming investments. So I went back and had a really good look at how everything\n\nChannel 1: Yes.\n\nChannel 0: was performing. We did note in the annual review that that was underperforming quite significantly, and we don't want you to be in anything underperforming at this point in time. Your super needs to be working harder for you. So\n\nChannel 1: Yes.\n\nChannel 0: what I've essentially recommended is that we do retain Hub twenty four. I did look at Hub twenty four as a super fund. There is absolutely nothing wrong with it. It is still a great platform,\n\nChannel 1: Yeah.\n\nChannel 0: and\n\nChannel 1: So\n\nChannel 0: the platform\n\nChannel 1: it's always\n\nChannel 0: does\n\nChannel 1: been a it's always been pretty good.\n\nChannel 0: yeah. Yeah. It does still hold a lot of investments. This platform does actually hold a lot more investments than other platforms do, which kinda gives you the benefit of being able to switch out investments when we need to. What we are\n\nChannel 1: Okay.\n\nChannel 0: looking to do is we are going to essentially sell off the battery and lithium tax, the ban along Australian equities. The bank hybrids also are gonna be completely sold down, and the China new economy is also being completely sold. We are then going to just sell off portions or rebalance the cybersecurity, the S and P 500, which is your US exposure, and also completely removing the Van Ness property, and then just also the Raffy 200. Essentially, removing those investments completely, does mean that we're moving you into a portfolio that is lower cost and also has performed a lot better. We are, as\n\nChannel 1: Yep.\n\nChannel 0: I said, keeping the cybersecurity and the S and P 500, but you're a little bit overexposed in exposed in those areas at the moment. So we're just rebalancing those back for you.\n\nChannel 1: Yep.\n\nChannel 0: Essentially, once we've completed those sell downs, we're also going to buy more of the physical gold. At the moment, you've got about 8% in there. We wanna hold about 10% for purchasing more physical gold, which has done really well for you as well. We're\n\nChannel 1: Yep.\n\nChannel 0: also then going to buy into some European exposure for giving you access to all European company and country. We've got some Japanese exposure in there. We're also looking at the all world ex except The US. So it's a index that a Vanguard index that tracks the entire globe minus The US, and that is giving you diversification. So one of the important aspects to making sure to mitigate risk is to diversify and essentially buy into as many different countries and asset classes as possible.\n\nSo the Vanguard All World Index does that. This is excluding The US exposure because we hold the S and P 500, but we're gonna buy into the All World for you. And then we're\n\nChannel 1: Mhmm.\n\nChannel 0: also gonna replace the Van Along equities, the one that's been underperforming with the BetaShares a 200. So as I kind of personally explained last time, Vandalon was more of an actively managed fund, and they generally hold anywhere between 15 to 25 different investments within that managed fund there. By selling that out, we're removing the underperforming investments, but we're also buying into the a 200, which is giving you exposure to the top 200 companies on the ASX. So it's giving you greater diversification to help lower your overall risk. And then also the BetaShares a 200 is more passively managed, so it's actually a cheaper fund to hold.\n\nSo it does save you in fees, which is important as well. Okay.\n\nChannel 1: Good. Yep. Sounds\n\nChannel 0: Yeah.\n\nChannel 1: good.\n\nChannel 0: Essentially, then we also wanna hold some lower risk defensive investments there. So we're also gonna keep the core composite bonds. These essentially are government and corporate bonds. Low risk defensive investments are really important for, you know, a little bit of risk mitigation as well, sort of taking care of and looking after the downside when the equities don't perform as well. We only wanna hold about 14% of this investment here.\n\nOne of the good thing about core composite bonds is it is giving you income. So bonds and these sorts of fixed interest do pay out income on a regular basis. That income is paid into your cash account of your super fund, and that can be reinvested back into your portfolio for compounding effect, which is really important there. Okay?\n\nChannel 1: Okay. Yep.\n\nChannel 0: That is\n\nChannel 1: Because\n\nChannel 0: a\n\nChannel 1: obviously\n\nChannel 0: basic break down here.\n\nChannel 1: obviously,\n\nChannel 0: Yeah.\n\nChannel 1: any any sort of returns that comes in from anything, I'll just all wanna obviously just staying in there rolling into it to to build the\n\nChannel 0: Absolutely. Yeah. Compounding,\n\nChannel 1: yeah.\n\nChannel 0: that is the most powerful thing we have access to. Any growth or income that we have that we're able to cement have all that\n\nChannel 1: Yep.\n\nChannel 0: staying within the super system and reinvest it back into the portfolio for you for that compounding effect. Absolutely. Yeah. The other thing we are looking at doing, I know we also talked about retaining your military super. I have, as a part of the recommendations, made a recommendation to retain that at to the age of 60.\n\nAs you're reading through that document there, I have added a bit of information around military super advantages, disadvantages, and risks involved so that you\n\nChannel 1: Yep.\n\nChannel 0: do get as much information as possible because it is a really great super fund,\n\nChannel 1: Yeah.\n\nChannel 0: and it is\n\nChannel 1: It it grows significantly each year.\n\nChannel 0: it\n\nChannel 1: So\n\nChannel 0: does. It does. It absolutely\n\nChannel 1: gotta\n\nChannel 0: does.\n\nChannel 1: gotta\n\nChannel 0: It\n\nChannel 1: get\n\nChannel 0: is\n\nChannel 1: something for twenty years of breaking my body for them.\n\nChannel 0: absolutely. You deserve well well more than what you've got, but look, take anything you can get. Absolutely.\n\nChannel 1: Yep.\n\nChannel 0: With the investment profile, so we did also you were in a high growth kind of environment, and we did talk about reducing your risk level a little bit as well because you are getting closer to accessing super. Unlike\n\nChannel 1: Yep.\n\nChannel 0: your military super, super within the hub twenty four fund is subject to massive fluctuations. So it is important to start reducing your risk level back a little bit. So part of this portfolio is about reducing that risk level by 10%. We're bringing\n\nChannel 1: Yep.\n\nChannel 0: you from the high growth portfolio environment to more of a growth environment. It's a bit of a step down, and it's always easier to start reducing risk gradually, taking those 10% step down. But I wanna\n\nChannel 1: Yep.\n\nChannel 0: make sure the portfolio is still working for you. So when we look at the five year rolling average of the last portfolio you were in, it was averaging about 10.47% on a yearly basis, which is absolutely fine. But the growth portfolio that we're moving you into is actually cheaper. It's expected to save you $445 in investment fees for the first year and has average when we look at a five year rolling average 11.72. So reducing risk, still keeping those returns really, really good, and also reducing the fees in the in the super fund as well.\n\nDoes that make sense?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yeah. Now it's important to let you know that we do the research around, and your super fund like you does a tax return every year. To make the switch of the investments, we have noted the super fund will cover CGT, and it's estimated to be $1,258. But with reducing the fees and the greater growth that this portfolio has seen, you could make that money back nice and quick as well. Does that all make sense, and do you have questions at all so far?\n\nChannel 1: Yeah. Yeah. I guess certain some certain fees, I guess, you can't really escape.\n\nChannel 0: No. Correct. There's always going to be fees with every super\n\nChannel 1: Yeah.\n\nChannel 0: fund, every type of investing. You always will pay fees. Fees aren't necessarily a bad thing. I've always been under the impression and have learned very, very highly over the years that you have to spend money to make money. So to have\n\nChannel 1: Yeah.\n\nChannel 0: the investments, to have diversification, you do have to have enough investments, and that does cost money in management fees. The super fund platform also has an admin fee, and we also charge an ongoing service fee. But as long as your super fund is working and the returns cover the fees plus additional growth, then you're working then fees plus additional growth, then you're working then it's working to your benefit there. So and that's\n\nChannel 1: Yep.\n\nChannel 0: important to keep reviewing to make sure the super fund is working for you, that the investments are continuously working, and we keep reviewing those and moving forward. I know this portfolio you were in a while ago was sort of changed, but, you know, over the course of time, investments change. So what you might have been in six years ago might not be appropriate and might need to change as the market continues. If we keep reviewing your super in the next year, two, or three years, what you're in now might also need to change as the markets evolve, as trends evolve within the market. But, also, as you get closer to accessing super, as your risk level needs to decrease, we'll keep altering the portfolio as well.\n\nSo it's a bit of a juggling act between getting returns and growth, taking risk, and also making sure things are working harder and covering the cost of fees.\n\nChannel 1: Yep.\n\nChannel 0: But, essentially, having it all reviewed on a regular basis can mean it works harder for you long term. Okay?\n\nChannel 1: Mhmm.\n\nChannel 0: Yeah. Now because we have got a projection in there for you, and it does show by making\n\nChannel 1: Alright.\n\nChannel 0: the changes over the next five to ten years, you can see yourself in a much better position. Essentially, under the current scenario, over the next ten years, you could see yourself with about 363,000 by taking on the advice and over the next ten years seeing a greater level of return saving on fees. We could actually see you with a bit over 400,000, the super fund there. So that's compiled with your military super could definitely provide much greater benefit. And long term does put you in a a better position to be able to meet your target in retirement.\n\nSo drawdown income, we're working on at the moment about $1,000 on a weekly basis. So when we look\n\nChannel 1: Yep.\n\nChannel 0: at the projection forward by making the changes, and this is not including your military super yet because we can't project out how much you're gonna end up with at the age of 60. Unfortunately, they don't give out the the increased interest the the rate of return that they utilize every year that's determined internally. But just\n\nChannel 1: Mhmm.\n\nChannel 0: your hub 24 based on the level of projected outcome and the eligibility for Centrelink down the track as well, you could be able to retire at age 65, draw a thousand dollars on a weekly basis, then from age 67 also access Centrelink. And between the two, essentially be able to keep your super working till about age 90, which does give you longevity, and does at the moment, your target income is slightly under by about $3,000 on a yearly basis. But as I said, it's not including military super. You've already got a good military super balance in there. So when we mix that with hub twenty four and then look at the drawdown, you could absolutely have your super working harder with some Centrelink in there as well, and being able to access super and draw income to about the age of ninety ninety one at the moment.\n\nChannel 1: Yep.\n\nChannel 0: Okay? Yeah. And once you kind of hit the age of 60 as well, there are other strategies that we can put in place where we can be increasing contributions and accessing some of your super to kind of compounds when\n\nChannel 1: When it\n\nChannel 0: you\n\nChannel 1: starts\n\nChannel 0: do reach the\n\nChannel 1: yeah. When\n\nChannel 0: yeah.\n\nChannel 1: I'm getting close to the winding\n\nChannel 0: Absolutely. When you do\n\nChannel 1: up.\n\nChannel 0: kinda hit that age bracket, we'll have more of a conversation around what those sorts of strategies look like, and I'll look to implement those for you to make sure we're boosting super as much as possible. Okay?\n\nChannel 1: Yeah. Because\n\nChannel 0: Yeah.\n\nChannel 1: in all reality, you know, once once you retire, you you don't know how many years you actually get\n\nChannel 0: That's correct.\n\nChannel 1: to joy at all. So\n\nChannel 0: That's it. That's\n\nChannel 1: yeah.\n\nChannel 0: it.\n\nChannel 1: So\n\nChannel 0: Some people have ten\n\nChannel 1: like\n\nChannel 0: years.\n\nChannel 1: I said,\n\nChannel 0: Other people have forty years.\n\nChannel 1: yeah. Like yeah. Like, I I don't want I'm not gonna be working. I don't intend to be working when I'm 70 years old. Like,\n\nChannel 0: No. Of course not.\n\nChannel 1: I mean, I don't even wanna work till I'm 65, but whatever. But I'll just do what I gotta do till I get enough to\n\nChannel 0: Yeah.\n\nChannel 1: get out. Because, you know what I mean? You you hear too many times people, oh, they're retired and then two years later. Say two years, then and then they go you just don't know. So I don't.\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: Yeah. No. No good saving all just to pass it on to someone when you target.\n\nChannel 0: Absolutely. And, look, Matthew, if you decide at age 60 you don't wanna work any longer and you wanna retire, you let me know, and I'll work out what I can do strategy wise to make it work for you. You don't have to work to the age of 65. It's essentially when you want to retire, and there's\n\nChannel 1: Yes.\n\nChannel 0: no set balance as to what someone needs to retire on. It's essentially what is right for you and your goals. So if you say, right, at 60,\n\nChannel 1: Yes.\n\nChannel 0: I I wanna retire. I've had enough. I've worked my life. I'm done. I will then look at what your super balance is, what we can do with the supers, whether we can consolidate them, how we draw down income to supplement you up until age 67.\n\nAnd then we look\n\nChannel 1: Yep.\n\nChannel 0: from 67 what kind of eligibility you're able to get to supplement and how we pull back on super and how long that lasts. So that's all the\n\nChannel 1: No\n\nChannel 0: kind\n\nChannel 1: worries.\n\nChannel 0: of advice that I do provide and I can help you with, and we just look at what you need to live on at that point up until you get to retirement. We sort of focus on it tends to be, for most people, a thousand dollars a week because we don't\n\nChannel 1: Yep. Yeah.\n\nChannel 0: know what we're gonna need to live on. But when you get closer to that, you and I can look at a budget planner. We can talk about your expenditure, work out what you actually need to live on on a weekly basis, look at how long that survives, but then keep reviewing it to make sure that it's working and lasting as long as possible. Because you are right. Some people have one or two years in retirement.\n\nOther people have forty years. It's a whole another lifetime. So\n\nChannel 1: Yep.\n\nChannel 0: it's about\n\nChannel 1: No\n\nChannel 0: just\n\nChannel 1: worries.\n\nChannel 0: making sure it works for you as long as possible. All\n\nChannel 1: Alrighty.\n\nChannel 0: good. The only other thing I wanted to make mention was we talked about your beneficiary nominations. So because you did have, obviously, you won a 45% to Emma, 45% to Hannah, and also 10% to your sister. We talked\n\nChannel 1: Yep.\n\nChannel 0: about updating the beneficiary nomination to legal personal representative, which means in the event of you passing, a 100% of your super gets paid to your estate, which has your will done up, and your will you made mention has those percentages set out correctly. Is that still correct?\n\nChannel 1: Yes. My my will\n\nChannel 0: Yes.\n\nChannel 1: that's what the will says. And\n\nChannel 0: Yeah.\n\nChannel 1: and and my and my sister is enduring power of attorney. She has that as well.\n\nChannel 0: Perfect. So I am recommending we update your beneficiary nomination the same as we spoke about and have your super directed to your estate in the event of passing, mainly because as we kind of went through, your daughters do they are beneficiaries and are absolutely fine, but your sister isn't technically under the legislation. So if she was to go and claim that 10% against your super, that would come back. Essentially, they say you're not eligible. It's not a valid nomination.\n\nAnd then that 10% goes through a probate process, which means that she's there's less, like, a chance that\n\nChannel 1: I\n\nChannel 0: she\n\nChannel 1: wanna\n\nChannel 0: may not\n\nChannel 1: avoid\n\nChannel 0: get that money\n\nChannel 1: probate\n\nChannel 0: at all.\n\nChannel 1: if I can. I wanna avoid probate\n\nChannel 0: Absolute\n\nChannel 1: if I can.\n\nChannel 0: absolutely. So having it set up to the LPR and having your super in the event of you passing paid to your estate, it means that that super money is paid to your will and then is distributed as per your will. That's a much more streamlined process, and it means that all of your beneficiaries, including your sister, will essentially get be able to claim that money much easier. Does that make sense?\n\nChannel 1: Yep. The government\n\nChannel 0: Yeah.\n\nChannel 1: gets enough money without sucking the probate out of them.\n\nChannel 0: Absolutely agree with you. You've worked\n\nChannel 1: I know\n\nChannel 0: too\n\nChannel 1: what it's\n\nChannel 0: hard.\n\nChannel 1: like because I went with my\n\nChannel 0: Yeah.\n\nChannel 1: my I had my younger brother, and then I had my mother.\n\nChannel 0: Yeah.\n\nChannel 1: And both times, it was like a nightmare getting through it. So because of all the bullshit fees they suck you for regardless of what it says and who will or whatever. So,\n\nChannel 0: Yeah.\n\nChannel 1: yeah,\n\nChannel 0: It's not\n\nChannel 1: I\n\nChannel 0: it's a long process, and you're arguing with court systems and lawyers, and it's just\n\nChannel 1: yep.\n\nChannel 0: a mission. My my husband's family are doing that at the moment, and it's really a difficult process. I don't envy\n\nChannel 1: Yeah.\n\nChannel 0: it in any way,\n\nChannel 1: And I\n\nChannel 0: shape,\n\nChannel 1: don't.\n\nChannel 0: or form. So\n\nChannel 1: I mean, I've been through it twice, and I don't wanna\n\nChannel 0: I'm\n\nChannel 1: put anyone\n\nChannel 0: sorry.\n\nChannel 1: else through that when I before I go. So\n\nChannel 0: Absolutely. So now look. Structuring this nomination this way is the best way to do it. It means that\n\nChannel 1: yep.\n\nChannel 0: the super will go to your estate and then can be distributed as per your wishes in your will. It is a much more streamlined process. It means your sister is more likely to receive her 10%. And it\n\nChannel 1: Yep.\n\nChannel 0: actually works out well because your super is then put into your estate with the rest of your assets. It's also lumped together, and then everything is claimed as one. So it all goes through the normal state process. The tax return is completed, and then your trustee, you know, pays out. Your executive pays out to each beneficiary correctly in the percentages\n\nChannel 1: Yep.\n\nChannel 0: nominated. So it just works out easier for you. At the end of the day, a nomination is also just a protection in the event that something happens. Ultimately, I want you to get to retirement, enjoy your money, and, you know, live as long as you possibly can. So\n\nChannel 1: Yep.\n\nChannel 0: we'll but if you're comfortable,\n\nChannel 1: That's fine.\n\nChannel 0: my team can my team can help by pre filling the nomination and send it to you. Is\n\nChannel 1: Yep.\n\nChannel 0: post or an email better for yourself? I can do both if you prefer.\n\nChannel 1: Probably\n\nChannel 0: We can do both if it's easier. We can send email and post.\n\nChannel 1: yeah. Yeah. Just\n\nChannel 0: Yeah.\n\nChannel 1: yep. Yep. That'd\n\nChannel 0: Absolutely.\n\nChannel 1: be good.\n\nChannel 0: Not a problem. We'll get that sorted for you. That is essentially the the rundown of the advice there. When you get some time, have a look in your email, open the advice document up. It does outline the advantages, the disadvantages, the risks involved of each of the strategies.\n\nI've also got\n\nChannel 1: Yep.\n\nChannel 0: the best interest duty there, which outlines why each of these recommendations are in your best interest. I've got also a little bit of a retirement projection there. So I limited scoping the retirement aspect to sort of show you where you're tracking for because, you know, you've worked really hard. You deserve to see the light at the end of that tunnel so far. And then we'll\n\nChannel 1: Yep.\n\nChannel 0: just keep reviewing things and moving forward. With your annual review docs that went out the other week, it looks like we had some trouble downloading those documents. So I've had to reupload the tax file opt in form and your ongoing service agreements. They are also attached. Once you've read through the document, if you have questions, come back and let me know.\n\nThere is no such thing as a silly question. You're welcome to ask anything you like. And if you read through it and decide you're happy to take the recommendations, we'll get you to sign all those documents and send them back to us, and we can have those investments which is placed for you nice and quickly. Okay?\n\nChannel 1: Yep. No worries. Yep. Sounds good.\n\nChannel 0: All good. Is there any questions that might have come out of that so far, Matthew? I know it can be difficult when I'm talking to you.\n\nChannel 1: No. That's alright. I'm I'm pretty good. I've yeah.\n\nChannel 0: Yeah.\n\nChannel 1: I'm pretty happy that just came to\n\nChannel 0: Beautiful.\n\nChannel 1: to, yeah, just go ahead with it now, I guess.\n\nChannel 0: Absolutely. And did you want me to do a bit of a catch up with you in the next sort of six months to see how things are tracking, or would you like this to twelve month catch up? What would you like down the track?\n\nChannel 1: Yeah. Six months. A six month catch up just to\n\nChannel 0: Yep.\n\nChannel 1: reassure if, you know, everything's on track.\n\nChannel 0: Still working? Yeah. Absolutely. Not a problem. I\n\nChannel 1: Yep.\n\nChannel 0: will put that in my calendar, and my team will touch base in six months to book you in.\n\nChannel 1: Yep.\n\nChannel 0: And, yeah, just have a look through the documents there. I have also added some issues. Depends on how much reading you like, I suppose. But I've got some product disclosure statements and some additional information attached there for you in relation to the recommendations I've made. If you wanted to run through the PDFs and have a bit of a look at hub 24 and CSC for information, which is the military super, you're welcome to have a look through those as well.\n\nOkay?\n\nChannel 1: No worries.\n\nChannel 0: Awesome. I will let you go, Matthew. Thank you so\n\nChannel 1: Yep.\n\nChannel 0: much for your time. But if there's any questions that come out of that document, don't hesitate to give me a call. Okay?\n\nChannel 1: Awesome. Thanks for that.\n\nChannel 0: My pleasure. Enjoy your day. Enjoy your week. You're off this week. Is that right?\n\nChannel 1: Yeah. Yeah. But I'm\n\nChannel 0: Yep.\n\nChannel 1: I'm I'm pretty flooded out. So, yeah,\n\nChannel 0: Yeah.\n\nChannel 1: I'm doing\n\nChannel 0: Oh,\n\nChannel 1: getting my reno's done and all that sort of stuff. He's\n\nChannel 0: yes.\n\nChannel 1: adding value\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: to my house.\n\nChannel 0: You told me that last time, and how's that going? Is it being progressing\n\nChannel 1: Yeah. It's\n\nChannel 0: nicely?\n\nChannel 1: going pretty\n\nChannel 0: Or\n\nChannel 1: good. I'm I'm getting, you know, the light at the end of tunnel is getting brighter now. So\n\nChannel 0: fantastic. Oh, I love that. Fantastic.\n\nChannel 1: awesome.\n\nChannel 0: Oh, that's excellent. Yeah. Well, good luck. I'll keep in touch with you. We'll talk in the next six months.\n\nAnd if there's anything that comes up in the meantime, look, you're not limited to just contact at the times that we stipulate, like, for quarterly and things. If something comes up in the meantime and you want an extra conversation, let us know. My team will book you in, and you and I can talk about anything that's on your mind. Okay?\n\nChannel 1: No worries. Cool.\n\nChannel 0: Thanks so much, Matthew. Enjoy your day. Don't work too hard.\n\nChannel 1: Alright. Thank you.\n\nChannel 0: Thank you. Talk to you soon. See you later.\n\nChannel 1: Bye bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.24,"end":0.39999998,"sentiment":"neutral","sentiment_score":0.0619647279381752},{"text":"Maddie speaking.","start":0.39999998,"end":1.14,"sentiment":"neutral","sentiment_score":0.04664240777492523}],"sentiment":"neutral","sentiment_score":0.05174984782934189,"channel":1,"num_words":3,"start":0.24,"end":1.14},{"sentences":[{"text":"Hi, Matthew.","start":2.56,"end":3.04,"sentiment":"neutral","sentiment_score":0.1471763327717781},{"text":"We're Zane of Mercy Financial.","start":3.04,"end":4.74,"sentiment":"neutral","sentiment_score":0.18486541509628296},{"text":"How are you this morning?","start":4.7999997,"end":5.8599997,"sentiment":"neutral","sentiment_score":0.2918850541114807}],"sentiment":"neutral","sentiment_score":0.22317541763186455,"channel":0,"num_words":12,"start":2.56,"end":5.8599997},{"sentences":[{"text":"Hey.","start":6.8799996,"end":7.2,"sentiment":"neutral","sentiment_score":0.24753758311271667},{"text":"Not too bad.","start":7.2,"end":8.1,"sentiment":"neutral","sentiment_score":0.28100887934366864},{"text":"Not too bad.","start":8.16,"end":9.059999,"sentiment":"positive","sentiment_score":0.38317111134529114}],"sentiment":"neutral","sentiment_score":0.32001107931137085,"channel":1,"num_words":7,"start":6.8799996,"end":9.059999},{"sentences":[{"text":"That's good.","start":9.5199995,"end":10.08,"sentiment":"positive","sentiment_score":0.724276065826416},{"text":"I had you booked in just to go through your updated statement of advice to look at switching those investments out.","start":10.08,"end":14.88,"sentiment":"positive","sentiment_score":0.3646890442995798},{"text":"Is now still a good time there for you?","start":14.88,"end":16.775,"sentiment":"positive","sentiment_score":0.3649938470787472}],"sentiment":"positive","sentiment_score":0.3872489589266479,"channel":0,"num_words":32,"start":9.5199995,"end":16.775},{"sentences":[{"text":"Yeah.","start":17.675,"end":17.915,"sentiment":"neutral","sentiment_score":0.1768401563167572},{"text":"It'd be fine.","start":17.915,"end":18.475,"sentiment":"neutral","sentiment_score":0.22757280866305032},{"text":"Yeah.","start":18.475,"end":18.795,"sentiment":"neutral","sentiment_score":0.18292109668254852},{"text":"I've I've","start":18.795,"end":19.435,"sentiment":"neutral","sentiment_score":0.16470486670732498}],"sentiment":"neutral","sentiment_score":0.1959842017718724,"channel":1,"num_words":7,"start":17.675,"end":19.435},{"sentences":[{"text":"Yep.","start":19.395,"end":19.895,"sentiment":"neutral","sentiment_score":0.17484375834465027}],"sentiment":"neutral","sentiment_score":0.17484375834465027,"channel":0,"num_words":1,"start":19.395,"end":19.895},{"sentences":[{"text":"I've got you on hands free.","start":19.435,"end":20.715,"sentiment":"neutral","sentiment_score":0.2772107273340225},{"text":"So","start":20.715,"end":20.795,"sentiment":"neutral","sentiment_score":0.305853933095932}],"sentiment":"neutral","sentiment_score":0.2813026138714382,"channel":1,"num_words":7,"start":19.435,"end":20.795},{"sentences":[{"text":"Oh, fantastic.","start":21.715,"end":22.535,"sentiment":"positive","sentiment_score":0.5755343437194824},{"text":"Do you happen to have access to your emails at the moment?","start":23.075,"end":25.474998,"sentiment":"neutral","sentiment_score":0.11736318903664748},{"text":"If you don't, that is honestly","start":25.474998,"end":26.675,"sentiment":"neutral","sentiment_score":0.011276718073834976}],"sentiment":"neutral","sentiment_score":0.13135436321608723,"channel":0,"num_words":20,"start":21.715,"end":26.675},{"sentences":[{"text":"Yeah.","start":26.52,"end":27.0,"sentiment":"neutral","sentiment_score":0.07654224336147308}],"sentiment":"neutral","sentiment_score":0.07654224336147308,"channel":1,"num_words":1,"start":26.52,"end":27.0},{"sentences":[{"text":"okay.","start":26.675,"end":27.075,"sentiment":"neutral","sentiment_score":0.05723489075899124}],"sentiment":"neutral","sentiment_score":0.05723489075899124,"channel":0,"num_words":1,"start":26.675,"end":27.075},{"sentences":[{"text":"Not","start":27.0,"end":27.5,"sentiment":"neutral","sentiment_score":-0.00031071901321411133}],"sentiment":"neutral","sentiment_score":-0.00031071901321411133,"channel":1,"num_words":1,"start":27.0,"end":27.5},{"sentences":[{"text":"It's just normally it's easy to go through the document together.","start":27.075,"end":29.635,"sentiment":"neutral","sentiment_score":0.027742411263964394},{"text":"That's all.","start":29.635,"end":30.455,"sentiment":"neutral","sentiment_score":0.007565241307020187}],"sentiment":"neutral","sentiment_score":0.02463823127058836,"channel":0,"num_words":13,"start":27.075,"end":30.455},{"sentences":[{"text":"not while I'm driving.","start":30.68,"end":31.720001,"sentiment":"neutral","sentiment_score":-0.07078401185572147},{"text":"Sorry.","start":31.720001,"end":32.22,"sentiment":"neutral","sentiment_score":-0.04118839651346207}],"sentiment":"neutral","sentiment_score":-0.06486488878726959,"channel":1,"num_words":5,"start":30.68,"end":32.22},{"sentences":[{"text":"Oh, you're driving.","start":32.76,"end":33.72,"sentiment":"neutral","sentiment_score":-0.00980735601236423},{"text":"No.","start":33.72,"end":33.96,"sentiment":"neutral","sentiment_score":0.009906301274895668},{"text":"That's okay.","start":33.96,"end":34.78,"sentiment":"neutral","sentiment_score":0.058374542742967606},{"text":"Not a problem at all.","start":34.84,"end":36.04,"sentiment":"neutral","sentiment_score":0.21838683784008026},{"text":"What I can do for you is I'll run through the recommendations, try to keep them as simple as possible, give you the information","start":36.04,"end":41.0,"sentiment":"neutral","sentiment_score":0.18424415277938047}],"sentiment":"neutral","sentiment_score":0.16031506213226487,"channel":0,"num_words":35,"start":32.76,"end":41.0},{"sentences":[{"text":"Yep.","start":40.915,"end":41.415,"sentiment":"neutral","sentiment_score":0.09135490655899048}],"sentiment":"neutral","sentiment_score":0.09135490655899048,"channel":1,"num_words":1,"start":40.915,"end":41.415},{"sentences":[{"text":"that I need 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you.","start":42.52,"end":51.575,"sentiment":"neutral","sentiment_score":0.15661374028576047},{"text":"Okay?","start":51.575,"end":52.075,"sentiment":"neutral","sentiment_score":0.07447430491447449}],"sentiment":"neutral","sentiment_score":0.15450760091726595,"channel":0,"num_words":39,"start":42.52,"end":52.075},{"sentences":[{"text":"No worries.","start":52.115,"end":52.675003,"sentiment":"neutral","sentiment_score":0.09634164348244667},{"text":"That's fine 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we're boosting super as much as possible.","start":744.925,"end":754.065,"sentiment":"neutral","sentiment_score":0.29058334070283015},{"text":"Okay?","start":754.365,"end":754.865,"sentiment":"neutral","sentiment_score":0.07828826457262039}],"sentiment":"neutral","sentiment_score":0.2849966281730878,"channel":0,"num_words":38,"start":744.925,"end":754.865},{"sentences":[{"text":"Yeah.","start":755.665,"end":755.985,"sentiment":"neutral","sentiment_score":0.05738966166973114},{"text":"Because","start":755.985,"end":756.485,"sentiment":"neutral","sentiment_score":0.03138241171836853}],"sentiment":"neutral","sentiment_score":0.044386036694049835,"channel":1,"num_words":2,"start":755.665,"end":756.485},{"sentences":[{"text":"Yeah.","start":756.18,"end":756.68,"sentiment":"neutral","sentiment_score":0.03618951141834259}],"sentiment":"neutral","sentiment_score":0.03618951141834259,"channel":0,"num_words":1,"start":756.18,"end":756.68},{"sentences":[{"text":"in all reality, you know, once 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we'll","start":1148.3049,"end":1148.945,"sentiment":"neutral","sentiment_score":0.16537916660308838}],"sentiment":"neutral","sentiment_score":0.1985666225938236,"channel":0,"num_words":68,"start":1131.96,"end":1148.945},{"sentences":[{"text":"Yep.","start":1148.84,"end":1149.34,"sentiment":"neutral","sentiment_score":0.18345105648040771}],"sentiment":"neutral","sentiment_score":0.18345105648040771,"channel":1,"num_words":1,"start":1148.84,"end":1149.34},{"sentences":[{"text":"just keep reviewing things and moving forward.","start":1148.945,"end":1151.205,"sentiment":"neutral","sentiment_score":0.2859967052936554},{"text":"With your annual review docs that went out the other week, it looks like we had some trouble downloading those documents.","start":1151.825,"end":1156.7849,"sentiment":"neutral","sentiment_score":-0.0010518610832237062},{"text":"So I've had to reupload the tax file opt in form and your ongoing service 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and we can have those investments which is placed for you nice and quickly.","start":1171.375,"end":1180.6749,"sentiment":"positive","sentiment_score":0.48136733330431436},{"text":"Okay?","start":1180.895,"end":1181.395,"sentiment":"neutral","sentiment_score":0.1732161045074463}],"sentiment":"positive","sentiment_score":0.41169498418852435,"channel":0,"num_words":59,"start":1167.62,"end":1181.395},{"sentences":[{"text":"Yep.","start":1180.9299,"end":1181.4299,"sentiment":"neutral","sentiment_score":0.1405463069677353},{"text":"No worries.","start":1181.49,"end":1182.21,"sentiment":"neutral","sentiment_score":0.22896022349596024},{"text":"Yep.","start":1182.21,"end":1182.71,"sentiment":"neutral","sentiment_score":0.2643800675868988},{"text":"Sounds 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are tracking, or would you like this to twelve month catch up?","start":1200.5549,"end":1207.115,"sentiment":"neutral","sentiment_score":0.01470399096510128},{"text":"What would you like down the track?","start":1207.115,"end":1208.655,"sentiment":"neutral","sentiment_score":0.004892714454659394}],"sentiment":"neutral","sentiment_score":0.013374332136110119,"channel":0,"num_words":46,"start":1199.355,"end":1208.655},{"sentences":[{"text":"Yeah.","start":1208.41,"end":1208.73,"sentiment":"neutral","sentiment_score":0.03549030050635338},{"text":"Six months.","start":1208.73,"end":1209.55,"sentiment":"neutral","sentiment_score":0.027501593809574842},{"text":"A six month catch up just 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some additional information attached there for you in relation to the recommendations I've made.","start":1227.005,"end":1234.56,"sentiment":"neutral","sentiment_score":0.04865653897550973},{"text":"If you wanted to run through the PDFs and have a bit of a look at hub 24 and CSC for information, which is the military super, you're welcome to have a look through those as well.","start":1234.56,"end":1244.3201,"sentiment":"neutral","sentiment_score":0.07003318709698883}],"sentiment":"neutral","sentiment_score":0.056513008827875764,"channel":0,"num_words":84,"start":1221.3251,"end":1244.3201},{"sentences":[{"text":"Okay?","start":1244.3201,"end":1244.8201,"sentiment":"neutral","sentiment_score":0.05287982523441315}],"sentiment":"neutral","sentiment_score":0.05287982523441315,"channel":0,"num_words":1,"start":1244.3201,"end":1244.8201},{"sentences":[{"text":"No 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so","start":1249.5349,"end":1250.0149,"sentiment":"positive","sentiment_score":0.49015987912813824}],"sentiment":"positive","sentiment_score":0.36488482654094695,"channel":0,"num_words":10,"start":1247.215,"end":1250.0149},{"sentences":[{"text":"Yep.","start":1249.9249,"end":1250.4249,"sentiment":"positive","sentiment_score":0.3977625370025635}],"sentiment":"positive","sentiment_score":0.3977625370025635,"channel":1,"num_words":1,"start":1249.9249,"end":1250.4249},{"sentences":[{"text":"much for your time.","start":1250.0149,"end":1250.8949,"sentiment":"positive","sentiment_score":0.4627196416258812},{"text":"But if there's any questions that come out of that document, don't hesitate to give me a 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reno's done and all that sort of stuff.","start":1268.335,"end":1270.4149,"sentiment":"neutral","sentiment_score":0.021692568622529506},{"text":"He's","start":1270.4149,"end":1270.575,"sentiment":"neutral","sentiment_score":0.0674634799361229}],"sentiment":"neutral","sentiment_score":0.025853560560128906,"channel":1,"num_words":11,"start":1268.335,"end":1270.575},{"sentences":[{"text":"yes.","start":1270.51,"end":1271.01,"sentiment":"neutral","sentiment_score":0.0666983425617218}],"sentiment":"neutral","sentiment_score":0.0666983425617218,"channel":0,"num_words":1,"start":1270.51,"end":1271.01},{"sentences":[{"text":"adding value","start":1270.575,"end":1271.2949,"sentiment":"neutral","sentiment_score":0.07227234542369843}],"sentiment":"neutral","sentiment_score":0.07227234542369843,"channel":1,"num_words":2,"start":1270.575,"end":1271.2949},{"sentences":[{"text":"Yeah.","start":1271.0701,"end":1271.2301,"sentiment":"neutral","sentiment_score":0.05817486345767975},{"text":"Yeah.","start":1271.2301,"end":1271.7301,"sentiment":"neutral","sentiment_score":0.056960634887218475}],"sentiment":"neutral","sentiment_score":0.05756774917244911,"channel":0,"num_words":2,"start":1271.0701,"end":1271.7301},{"sentences":[{"text":"to my house.","start":1271.2949,"end":1272.0349,"sentiment":"neutral","sentiment_score":0.07590560615062714}],"sentiment":"neutral","sentiment_score":0.07590560615062714,"channel":1,"num_words":3,"start":1271.2949,"end":1272.0349},{"sentences":[{"text":"You told me that last time, and how's that going?","start":1272.67,"end":1275.0701,"sentiment":"neutral","sentiment_score":0.0384172635152936},{"text":"Is it being progressing","start":1275.0701,"end":1276.13,"sentiment":"neutral","sentiment_score":0.027576127089560032}],"sentiment":"neutral","sentiment_score":0.03531979596508401,"channel":0,"num_words":14,"start":1272.67,"end":1276.13},{"sentences":[{"text":"Yeah.","start":1276.0149,"end":1276.255,"sentiment":"neutral","sentiment_score":0.0784158706665039},{"text":"It's","start":1276.255,"end":1276.495,"sentiment":"neutral","sentiment_score":0.14192788302898407}],"sentiment":"neutral","sentiment_score":0.11017187684774399,"channel":1,"num_words":2,"start":1276.0149,"end":1276.495},{"sentences":[{"text":"nicely?","start":1276.3501,"end":1276.75,"sentiment":"neutral","sentiment_score":0.11087880283594131}],"sentiment":"neutral","sentiment_score":0.11087880283594131,"channel":0,"num_words":1,"start":1276.3501,"end":1276.75},{"sentences":[{"text":"going 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now.","start":1277.215,"end":1282.41,"sentiment":"neutral","sentiment_score":0.26693329960107803},{"text":"So","start":1282.41,"end":1282.91,"sentiment":"positive","sentiment_score":0.6027500629425049}],"sentiment":"neutral","sentiment_score":0.2805913637081782,"channel":1,"num_words":18,"start":1276.975,"end":1282.91},{"sentences":[{"text":"fantastic.","start":1283.005,"end":1283.245,"sentiment":"positive","sentiment_score":0.6780654788017273},{"text":"Oh, I love that.","start":1283.245,"end":1284.205,"sentiment":"positive","sentiment_score":0.6649627983570099},{"text":"Fantastic.","start":1284.205,"end":1284.705,"sentiment":"positive","sentiment_score":0.7175630927085876}],"sentiment":"positive","sentiment_score":0.6759132941563925,"channel":0,"num_words":6,"start":1283.005,"end":1284.705},{"sentences":[{"text":"awesome.","start":1285.6901,"end":1286.1901,"sentiment":"positive","sentiment_score":0.6387455463409424}],"sentiment":"positive","sentiment_score":0.6387455463409424,"channel":1,"num_words":1,"start":1285.6901,"end":1286.1901},{"sentences":[{"text":"Oh, that's excellent.","start":1285.885,"end":1286.945,"sentiment":"positive","sentiment_score":0.5570157766342163},{"text":"Yeah.","start":1287.005,"end":1287.325,"sentiment":"positive","sentiment_score":0.3375638723373413},{"text":"Well, good luck.","start":1287.325,"end":1288.125,"sentiment":"positive","sentiment_score":0.4699333409468333},{"text":"I'll keep in touch with you.","start":1288.125,"end":1289.73,"sentiment":"neutral","sentiment_score":0.3216591427723567},{"text":"We'll talk in the next six months.","start":1289.8099,"end":1291.01,"sentiment":"neutral","sentiment_score":0.13894938411457197}],"sentiment":"neutral","sentiment_score":0.3160505885258317,"channel":0,"num_words":20,"start":1285.885,"end":1291.01},{"sentences":[{"text":"And if there's anything that comes up in the meantime, look, you're not limited to just contact at the times that we stipulate, like, for quarterly and things.","start":1291.01,"end":1298.29,"sentiment":"neutral","sentiment_score":0.0612688924718116},{"text":"If something comes up in the meantime and you want an extra conversation, let us know.","start":1298.29,"end":1302.465,"sentiment":"neutral","sentiment_score":0.11081051640212536},{"text":"My team will book you in, and you and I can talk about anything that's on your mind.","start":1302.465,"end":1306.625,"sentiment":"positive","sentiment_score":0.3768780082464218},{"text":"Okay?","start":1306.625,"end":1307.125,"sentiment":"neutral","sentiment_score":0.20223340392112732}],"sentiment":"neutral","sentiment_score":0.16626245720637223,"channel":0,"num_words":63,"start":1291.01,"end":1307.125},{"sentences":[{"text":"No worries.","start":1307.19,"end":1308.01,"sentiment":"positive","sentiment_score":0.33381955325603485},{"text":"Cool.","start":1308.07,"end":1308.57,"sentiment":"positive","sentiment_score":0.7318456768989563}],"sentiment":"positive","sentiment_score":0.46649492780367535,"channel":1,"num_words":3,"start":1307.19,"end":1308.57},{"sentences":[{"text":"Thanks so much, Matthew.","start":1308.7269,"end":1310.007,"sentiment":"positive","sentiment_score":0.8685972392559052},{"text":"Enjoy your day.","start":1310.007,"end":1310.8069,"sentiment":"positive","sentiment_score":0.8021233081817627},{"text":"Don't work too hard.","start":1310.8069,"end":1312.1069,"sentiment":"neutral","sentiment_score":0.06722415238618851}],"sentiment":"positive","sentiment_score":0.5590595901012421,"channel":0,"num_words":11,"start":1308.7269,"end":1312.1069},{"sentences":[{"text":"Alright.","start":1313.03,"end":1313.4299,"sentiment":"positive","sentiment_score":0.42486685514450073},{"text":"Thank you.","start":1313.4299,"end":1314.17,"sentiment":"positive","sentiment_score":0.7072866261005402}],"sentiment":"positive","sentiment_score":0.613146702448527,"channel":1,"num_words":3,"start":1313.03,"end":1314.17},{"sentences":[{"text":"Thank you.","start":1314.5669,"end":1315.127,"sentiment":"positive","sentiment_score":0.6932362914085388},{"text":"Talk to you soon.","start":1315.127,"end":1315.9269,"sentiment":"positive","sentiment_score":0.5109845548868179},{"text":"See you later.","start":1315.9269,"end":1316.747,"sentiment":"positive","sentiment_score":0.39133530855178833}],"sentiment":"positive","sentiment_score":0.5116018586688571,"channel":0,"num_words":9,"start":1314.5669,"end":1316.747},{"sentences":[{"text":"Bye bye.","start":1316.47,"end":1317.21,"sentiment":"neutral","sentiment_score":0.19034934788942337}],"sentiment":"neutral","sentiment_score":0.19034934788942337,"channel":1,"num_words":2,"start":1316.47,"end":1317.21},{"sentences":[{"text":"Bye.","start":1317.527,"end":1318.027,"sentiment":"neutral","sentiment_score":-0.11945287138223648}],"sentiment":"neutral","sentiment_score":-0.11945287138223648,"channel":0,"num_words":1,"start":1317.527,"end":1318.027}]},"summary":{"result":"success","short":"The speaker discusses various strategies for managing risk levels and reducing fees on a client's investment portfolio, including buying gold and selling exposure to the US. They emphasize the importance of diversifying investments and avoiding risk mitigation, as well as the benefits of retaining military super for five years and reducing risk levels. The speaker also emphasizes the need for regular reviews and research on the client's super fund to ensure it is working for them and offers to book a follow-up call in six months. The process is streamlined and requires a tax return and trustee to be nominated, and the customer is advised to review annual review documents and sign necessary documents."},"intents":{"segments":[{"text":"I had you booked in just to go through your updated statement of advice to look at switching those investments out. Is now still a good time there for you? Yeah.","start_word":24,"end_word":54,"intents":[{"intent":"Check investment situation","confidence_score":0.0051999292}]},{"text":"We wanna hold about 10% for purchasing more physical gold, which has done really well for you as well. We're Yep.","start_word":683,"end_word":703,"intents":[{"intent":"Hold gold","confidence_score":0.20206998}]},{"text":"also then going to buy into some European exposure for giving you access to all European company and country.","start_word":703,"end_word":721,"intents":[{"intent":"Buy european exposure","confidence_score":0.23352918}]},{"text":"So one of the important aspects to making sure to mitigate risk is to diversify and essentially buy into as many different countries and asset classes as possible.","start_word":762,"end_word":789,"intents":[{"intent":"Achieve diversification and lower risk","confidence_score":0.00021672434}]},{"text":"So we're also gonna keep the core composite bonds. These essentially are government and corporate bonds. Low risk defensive investments are really important for, you know, a little bit of risk mitigation as well, sort of taking care of and looking after the downside when the equities don't perform as well.","start_word":967,"end_word":1017,"intents":[{"intent":"Maintain core composite bonds","confidence_score":0.029277377}]},{"text":"So bonds and these sorts of fixed interest do pay out income on a regular basis. That income is paid into your cash account of your super fund, and that can be reinvested back into your portfolio for compounding effect, which is really important there. Okay? Okay.","start_word":1044,"end_word":1090,"intents":[{"intent":"Retend and optimize super super","confidence_score":0.0000010124799}]},{"text":"With the investment profile, so we did also you were in a high growth kind of environment, and we did talk about reducing your risk level a little bit as well because you are getting closer to accessing super. Unlike Yep. your military super, super within the hub twenty four fund is subject to massive fluctuations. So it is important to start reducing your risk level back a little bit. So part of this portfolio is about reducing that risk level by 10%.","start_word":1309,"end_word":1391,"intents":[{"intent":"Reduce risk level","confidence_score":0.5235258}]},{"text":"It's a bit of a step down, and it's always easier to start reducing risk gradually, taking those 10% step down.","start_word":1409,"end_word":1429,"intents":[{"intent":"Reducing risk","confidence_score":0.077449605}]},{"text":"It's expected to save you $445 in investment fees for the first year and has average when we look at a five year rolling average 11.72.","start_word":1484,"end_word":1509,"intents":[{"intent":"Saving money","confidence_score":0.57353604}]},{"text":"I guess certain some certain fees, I guess, you can't really escape. No.","start_word":1628,"end_word":1640,"intents":[{"intent":"Covering investment fees","confidence_score":0.0000070464753}]},{"text":"important to keep reviewing to make sure the super fund is working for you, that the investments are continuously working, and we keep reviewing those and moving forward.","start_word":1774,"end_word":1801,"intents":[{"intent":"Review portfolio","confidence_score":0.6312811},{"intent":"Review portfolio","confidence_score":0.72687006},{"intent":"Review portfolio","confidence_score":0.5209043},{"intent":"Review portfolio","confidence_score":0.7027253},{"intent":"Review portfolio","confidence_score":0.7161963},{"intent":"Review portfolio","confidence_score":0.69159573},{"intent":"Review super fund","confidence_score":0.6287723},{"intent":"Review portfolio","confidence_score":0.56298494},{"intent":"Review portfolio","confidence_score":0.4951709},{"intent":"Review portfolio","confidence_score":0.46284166},{"intent":"Review portfolio","confidence_score":0.39966094},{"intent":"Review portfolio","confidence_score":0.35480538}]},{"text":"So it's a bit of a juggling act between getting returns and growth, taking risk, and also making sure things are working harder and covering the cost of fees.","start_word":1904,"end_word":1932,"intents":[{"intent":"Cover fees","confidence_score":0.01481512}]},{"text":"So drawdown income, we're working on at the moment about $1,000 on a weekly basis. So when we look Yep.","start_word":2076,"end_word":2095,"intents":[{"intent":"Project income","confidence_score":0.00054799486}]},{"text":"When you do up. kinda hit that age bracket, we'll have more of a conversation around what those sorts of strategies look like, and I'll look to implement those for you to make sure we're boosting super as much as possible. Okay?","start_word":2366,"end_word":2407,"intents":[{"intent":"Boost super super","confidence_score":0.006432125}]},{"text":"And, look, Matthew, if you decide at age 60 you don't wanna work any longer and you wanna retire, you let me know, and I'll work out what I can do strategy wise to make it work for you.","start_word":2568,"end_word":2606,"intents":[{"intent":"Optimize retirement timeline","confidence_score":0.0003395045}]},{"text":"So because you did have, obviously, you won a 45% to Emma, 45% to Hannah, and also 10% to your sister. We talked Yep. about updating the beneficiary nomination to legal personal representative, which means in the event of you passing, a 100% of your super gets paid to your estate, which has your will done up, and your will you made mention has those percentages set out correctly. Is that still correct? Yes.","start_word":2918,"end_word":2991,"intents":[{"intent":"Update beneficiary nomination","confidence_score":0.37225604}]},{"text":"I wanna avoid probate Absolute if I can. absolutely.","start_word":3136,"end_word":3144,"intents":[{"intent":"Avoid probate","confidence_score":0.35141563},{"intent":"Avoid probate","confidence_score":0.03264482}]},{"text":"So having it set up to the LPR and having your super in the event of you passing paid to your estate, it means that that super money is paid to your will and then is distributed as per your will. That's a much more streamlined process, and it means that all of your beneficiaries, including your sister, will essentially get be able to claim that money much easier. Does that make sense?","start_word":3145,"end_word":3217,"intents":[{"intent":"Automatically distribute super money","confidence_score":0.00031313585}]},{"text":"So because of all the bullshit fees they suck you for regardless of what it says and who will or whatever. So, Yeah.","start_word":3275,"end_word":3297,"intents":[{"intent":"Coordinate fee payment","confidence_score":0.0000018659333}]},{"text":"Structuring this nomination this way is the best way to do it. It means that yep. the super will go to your estate and then can be distributed as per your wishes in your will.","start_word":3379,"end_word":3413,"intents":[{"intent":"Structuring nomination","confidence_score":0.032928932}]},{"text":"That is essentially the the rundown of the advice there. When you get some time, have a look in your email, open the advice document up. It does outline the advantages, the disadvantages, the risks involved of each of the strategies.","start_word":3623,"end_word":3663,"intents":[{"intent":"Provide advice","confidence_score":0.076653674},{"intent":"Provide advice","confidence_score":0.003467017}]},{"text":"With your annual review docs that went out the other week, it looks like we had some trouble downloading those documents. So I've had to reupload the tax file opt in form and your ongoing service agreements. They are also attached.","start_word":3744,"end_word":3784,"intents":[{"intent":"Update documents","confidence_score":0.06604348}]},{"text":"Is there any questions that might have come out of that so far, Matthew?","start_word":3868,"end_word":3881,"intents":[{"intent":"Answer questions","confidence_score":0.1781627}]},{"text":"And did you want me to do a bit of a catch up with you in the next sort of six months to see how things are tracking, or would you like this to twelve month catch up?","start_word":3923,"end_word":3960,"intents":[{"intent":"Adjust schedule","confidence_score":0.00032023643}]},{"text":"A six month catch up just to Yep. reassure if, you know, everything's on track. Still working? Yeah. Absolutely.","start_word":3970,"end_word":3988,"intents":[{"intent":"Ensure success","confidence_score":0.0029007096}]},{"text":"Is it being progressing Yeah.","start_word":4199,"end_word":4203,"intents":[{"intent":"Check progress","confidence_score":0.11779992}]}]},"sentiments":{"segments":[{"text":"Hi. Maddie speaking. Hi, Matthew. We're Zane of Mercy Financial. How are you this morning? Hey. Not too bad.","start_word":0,"end_word":18,"sentiment":"neutral","sentiment_score":0.18943943083286283},{"text":"Not too bad. That's good. I had you booked in just to go through your updated statement of advice to look at switching those investments out. Is now still a good time there for you?","start_word":19,"end_word":53,"sentiment":"positive","sentiment_score":0.4072601795196533},{"text":"Yeah. It'd be fine. Yeah. I've I've Yep. I've got you on hands free.","start_word":54,"end_word":67,"sentiment":"neutral","sentiment_score":0.2169322669506073},{"text":"So Oh, fantastic.","start_word":68,"end_word":70,"sentiment":"positive","sentiment_score":0.5215982794761658},{"text":"Do you happen to have access to your emails at the moment? If you don't, that is honestly Yeah. okay. Not It's just normally it's easy to go through the document together. That's all. not while I'm driving. Sorry. Oh, you're driving. No. That's okay. Not a problem at all. What I can do for you is I'll run through the recommendations, try to keep them as simple as possible, give you the information Yep. that I need to. I Yep. have sent you an email, so the documents are in your email for you to have a look at later, and then we'll just get you assigned and return that back to have the implementation completed for you. Okay? No worries. That's fine electronically. Yeah. Yeah. Nice Yeah. and Yeah. easy. No worries. Yep. Yep.","start_word":71,"end_word":206,"sentiment":"neutral","sentiment_score":0.11486697942018508},{"text":"All good, Matthew.","start_word":207,"end_word":209,"sentiment":"positive","sentiment_score":0.3543703258037567},{"text":"Now before I jump into the code, I do have to do a quick security check there with you just to confirm your full name, your date of birth, and address I have on file, and also just to confirm you're comfortable with us recording the call as well. Yeah. Matthew James Hodges. Yep. 259 Bloomfield Street, Cleveland, Queensland 4163. '20 for May seventy two.","start_word":210,"end_word":274,"sentiment":"neutral","sentiment_score":0.10068967938423155},{"text":"Fantastic. Excellent. Thank you so much.","start_word":275,"end_word":280,"sentiment":"positive","sentiment_score":0.6468008160591125},{"text":"So, essentially, just sort of going back, we did your annual review a few weeks back, and we wanted to maybe look at switching out some underperforming investments there. Essentially, Yes. your super goal is that you wanna see you're in super working harder.","start_word":281,"end_word":324,"sentiment":"neutral","sentiment_score":0.1574103683233261},{"text":"You're looking to seek as lower fees as possible to make sure you are able to have a comfortable retirement there.","start_word":325,"end_word":345,"sentiment":"positive","sentiment_score":0.4168529212474823},{"text":"What we're looking to sort of do is look at switching out, as I said, some underperforming investments. So I went back and had a really good look at how everything Yes. was performing.","start_word":346,"end_word":379,"sentiment":"neutral","sentiment_score":0.08220162242650986},{"text":"We did note in the annual review that that was underperforming quite significantly, and we don't want you to be in anything underperforming at this point in time. Your super needs to be working harder for you.","start_word":380,"end_word":416,"sentiment":"negative","sentiment_score":-0.40202054381370544},{"text":"So Yes. what I've essentially recommended is that we do retain Hub twenty four. I did look at Hub twenty four as a super fund.","start_word":417,"end_word":441,"sentiment":"neutral","sentiment_score":0.16367009282112122},{"text":"There is absolutely nothing wrong with it. It is still a great platform, Yeah. and So the platform it's always does been a it's always been pretty good.","start_word":442,"end_word":469,"sentiment":"positive","sentiment_score":0.5907597541809082},{"text":"yeah. Yeah. It does still hold a lot of investments.","start_word":470,"end_word":479,"sentiment":"neutral","sentiment_score":0.2643897533416748},{"text":"This platform does actually hold a lot more investments than other platforms do, which kinda gives you the benefit of being able to switch out investments when we need to.","start_word":480,"end_word":509,"sentiment":"positive","sentiment_score":0.4195061922073364},{"text":"What we are Okay. looking to do is we are going to essentially sell off the battery and lithium tax, the ban along Australian equities. The bank hybrids also are gonna be completely sold down, and the China new economy is also being completely sold. We are then going to just sell off portions or rebalance the cybersecurity, the S and P 500, which is your US exposure, and also completely removing the Van Ness property, and then just also the Raffy 200. Essentially, removing those investments completely, does mean that we're moving you into a portfolio that is lower cost and also has performed a lot better. We are, as Yep. I said, keeping the cybersecurity and the S and P 500, but you're a little bit overexposed in exposed in those areas at the moment. So we're just rebalancing those back for you. Yep. Essentially, once we've completed those sell downs, we're also going to buy more of the physical gold. At the moment, you've got about 8% in there.","start_word":510,"end_word":681,"sentiment":"neutral","sentiment_score":-0.014539358206093311},{"text":"We wanna hold about 10% for purchasing more physical gold, which has done really well for you as well.","start_word":682,"end_word":700,"sentiment":"positive","sentiment_score":0.48583048582077026},{"text":"We're Yep. also then going to buy into some European exposure for giving you access to all European company and country. We've got some Japanese exposure in there. We're also looking at the all world ex except The US. So it's a index that a Vanguard index that tracks the entire globe minus The US, and that is giving you diversification. So one of the important aspects to making sure to mitigate risk is to diversify and essentially buy into as many different countries and asset classes as possible. So the Vanguard All World Index does that. This is excluding The US exposure because we hold the S and P 500, but we're gonna buy into the All World for you. And then we're Mhmm. also gonna replace the Van Along equities, the one that's been underperforming with the BetaShares a 200. So as I kind of personally explained last time, Vandalon was more of an actively managed fund, and they generally hold anywhere between 15 to 25 different investments within that managed fund there. By selling that out, we're removing the underperforming investments, but we're also buying into the a 200, which is giving you exposure to the top 200 companies on the ASX.","start_word":701,"end_word":905,"sentiment":"neutral","sentiment_score":0.13915760815143585},{"text":"So it's giving you greater diversification to help lower your overall risk.","start_word":906,"end_word":917,"sentiment":"positive","sentiment_score":0.366671085357666},{"text":"And then also the BetaShares a 200 is more passively managed, so it's actually a cheaper fund to hold. So it does save you in fees, which is important as well. Okay.","start_word":918,"end_word":949,"sentiment":"neutral","sentiment_score":0.30553048849105835},{"text":"Good.","start_word":950,"end_word":950,"sentiment":"positive","sentiment_score":0.3712465465068817},{"text":"Yep.","start_word":951,"end_word":951,"sentiment":"neutral","sentiment_score":0.27008622884750366},{"text":"Sounds Yeah. good.","start_word":952,"end_word":954,"sentiment":"positive","sentiment_score":0.4069945812225342},{"text":"Essentially, then we also wanna hold some lower risk defensive investments there. So we're also gonna keep the core composite bonds. These essentially are government and corporate bonds. Low risk defensive investments are really important for, you know, a little bit of risk mitigation as well, sort of taking care of and looking after the downside when the equities don't perform as well. We only wanna hold about 14% of this investment here.","start_word":955,"end_word":1027,"sentiment":"neutral","sentiment_score":0.24637699127197263},{"text":"One of the good thing about core composite bonds is it is giving you income.","start_word":1028,"end_word":1042,"sentiment":"positive","sentiment_score":0.5057991743087769},{"text":"So bonds and these sorts of fixed interest do pay out income on a regular basis. That income is paid into your cash account of your super fund, and that can be reinvested back into your portfolio for compounding effect, which is really important there. Okay? Okay. Yep. That is Because a obviously basic break down here. obviously, Yeah. any any sort of returns that comes in from anything, I'll just all wanna obviously just staying in there rolling into it to to build the Absolutely. Yeah.","start_word":1043,"end_word":1129,"sentiment":"neutral","sentiment_score":0.2197500318288803},{"text":"Compounding, yeah. that is the most powerful thing we have access to. Any growth or income that we have that we're able to cement have all that Yep. staying within the super system and reinvest it back into the portfolio for you for that compounding effect.","start_word":1130,"end_word":1175,"sentiment":"positive","sentiment_score":0.4951147437095642},{"text":"Absolutely. Yeah. The other thing we are looking at doing, I know we also talked about retaining your military super. I have, as a part of the recommendations, made a recommendation to retain that at to the age of 60. As you're reading through that document there, I have added a bit of information around military super advantages, disadvantages, and risks involved so that you Yep.","start_word":1176,"end_word":1241,"sentiment":"neutral","sentiment_score":0.12614062428474426},{"text":"do get as much information as possible because it is a really great super fund, Yeah.","start_word":1242,"end_word":1257,"sentiment":"positive","sentiment_score":0.4178957939147949},{"text":"and it is It it grows significantly each year. it So does. It does. It absolutely gotta does. gotta It is get something for twenty years of breaking my body for them. absolutely. You deserve well well more than what you've got, but look, take anything you can get.","start_word":1258,"end_word":1306,"sentiment":"neutral","sentiment_score":0.2261107712984085},{"text":"Absolutely.","start_word":1307,"end_word":1307,"sentiment":"positive","sentiment_score":0.367245078086853},{"text":"Yep. With the investment profile, so we did also you were in a high growth kind of environment, and we did talk about reducing your risk level a little bit as well because you are getting closer to accessing super. Unlike Yep. your military super, super within the hub twenty four fund is subject to massive fluctuations. So it is important to start reducing your risk level back a little bit. So part of this portfolio is about reducing that risk level by 10%. We're bringing Yep. you from the high growth portfolio environment to more of a growth environment. It's a bit of a step down, and it's always easier to start reducing risk gradually, taking those 10% step down. But I wanna Yep.","start_word":1308,"end_word":1432,"sentiment":"neutral","sentiment_score":0.1394425719976425},{"text":"make sure the portfolio is still working for you. So when we look at the five year rolling average of the last portfolio you were in, it was averaging about 10.47% on a yearly basis, which is absolutely fine. But the growth portfolio that we're moving you into is actually cheaper. It's expected to save you $445 in investment fees for the first year and has average when we look at a five year rolling average 11.72. So reducing risk, still keeping those returns really, really good, and also reducing the fees in the in the super fund as well.","start_word":1433,"end_word":1532,"sentiment":"positive","sentiment_score":0.5877357721328735},{"text":"Does that make sense? Yep. Yep. Yeah. Now it's important to let you know that we do the research around, and your super fund like you does a tax return every year. To make the switch of the investments, we have noted the super fund will cover CGT, and it's estimated to be $1,258.","start_word":1533,"end_word":1586,"sentiment":"neutral","sentiment_score":0.2872367203235626},{"text":"But with reducing the fees and the greater growth that this portfolio has seen, you could make that money back nice and quick as well.","start_word":1587,"end_word":1611,"sentiment":"positive","sentiment_score":0.5362250208854675},{"text":"Does that all make sense, and do you have questions at all so far? Yeah. Yeah. I guess certain some certain fees, I guess, you can't really escape. No. Correct. There's always going to be fees with every super Yeah. fund, every type of investing. You always will pay fees. Fees aren't necessarily a bad thing. I've always been under the impression and have learned very, very highly over the years that you have to spend money to make money. So to have Yeah. the investments, to have diversification, you do have to have enough investments, and that does cost money in management fees. The super fund platform also has an admin fee, and we also charge an ongoing service fee. But as long as your super fund is working and the returns cover the fees plus additional growth, then you're working then fees plus additional growth, then you're working then it's working to your benefit there. So and that's Yep. important to keep reviewing to make sure the super fund is working for you, that the investments are continuously working, and we keep reviewing those and moving forward. I know this portfolio you were in a while ago was sort of changed, but, you know, over the course of time, investments change. So what you might have been in six years ago might not be appropriate and might need to change as the market continues. If we keep reviewing your super in the next year, two, or three years, what you're in now might also need to change as the markets evolve, as trends evolve within the market. But, also, as you get closer to accessing super, as your risk level needs to decrease, we'll keep altering the portfolio as well. So it's a bit of a juggling act between getting returns and growth, taking risk, and also making sure things are working harder and covering the cost of fees. Yep. But, essentially, having it all reviewed on a regular basis can mean it works harder for you long term. Okay? Mhmm. Yeah. Now because we have got a projection in there for you, and it does show by making Alright.","start_word":1612,"end_word":1973,"sentiment":"neutral","sentiment_score":0.01602763427390578},{"text":"the changes over the next five to ten years, you can see yourself in a much better position.","start_word":1974,"end_word":1991,"sentiment":"positive","sentiment_score":0.3402068018913269},{"text":"Essentially, under the current scenario, over the next ten years, you could see yourself with about 363,000 by taking on the advice and over the next ten years seeing a greater level of return saving on fees.","start_word":1992,"end_word":2028,"sentiment":"neutral","sentiment_score":0.31917107105255127},{"text":"We could actually see you with a bit over 400,000, the super fund there. So that's compiled with your military super could definitely provide much greater benefit. And long term does put you in a a better position to be able to meet your target in retirement.","start_word":2029,"end_word":2075,"sentiment":"positive","sentiment_score":0.5617933869361877},{"text":"So drawdown income, we're working on at the moment about $1,000 on a weekly basis. So when we look Yep. at the projection forward by making the changes, and this is not including your military super yet because we can't project out how much you're gonna end up with at the age of 60. Unfortunately, they don't give out the the increased interest the the rate of return that they utilize every year that's determined internally. But just Mhmm. your hub 24 based on the level of projected outcome and the eligibility for Centrelink down the track as well, you could be able to retire at age 65, draw a thousand dollars on a weekly basis, then from age 67 also access Centrelink.","start_word":2076,"end_word":2198,"sentiment":"neutral","sentiment_score":0.07721337559443664},{"text":"And between the two, essentially be able to keep your super working till about age 90, which does give you longevity, and does at the moment, your target income is slightly under by about $3,000 on a yearly basis.","start_word":2199,"end_word":2237,"sentiment":"positive","sentiment_score":0.34764015674591064},{"text":"But as I said, it's not including military super. You've already got a good military super balance in there. So when we mix that with hub twenty four and then look at the drawdown, you could absolutely have your super working harder with some Centrelink in there as well, and being able to access super and draw income to about the age of ninety ninety one at the moment. Yep. Okay? Yeah. And once you kind of hit the age of 60 as well, there are other strategies that we can put in place where we can be increasing contributions and accessing some of your super to kind of compounds when When it you starts do reach the yeah. When yeah. I'm getting close to the winding Absolutely. When you do up. kinda hit that age bracket, we'll have more of a conversation around what those sorts of strategies look like, and I'll look to implement those for you to make sure we're boosting super as much as possible. Okay? Yeah. Because Yeah. in all reality, you know, once once you retire, you you don't know how many years you actually get That's correct. to joy at all. So That's it. That's yeah. it. So Some people have ten like years. I said, Other people have forty years. yeah. Like yeah. Like, I I don't want I'm not gonna be working. I don't intend to be working when I'm 70 years old. Like, No. Of course not. I mean, I don't even wanna work till I'm 65, but whatever. But I'll just do what I gotta do till I get enough to Yeah. get out. Because, you know what I mean? You you hear too many times people, oh, they're retired and then two years later. Say two years, then and then they go you just don't know. So I don't. Yeah. Absolutely. Yeah.","start_word":2238,"end_word":2551,"sentiment":"neutral","sentiment_score":0.0497292263587569},{"text":"No. No good saving all just to pass it on to someone when you target.","start_word":2552,"end_word":2566,"sentiment":"negative","sentiment_score":-0.4851337969303131},{"text":"Absolutely. And, look, Matthew, if you decide at age 60 you don't wanna work any longer and you wanna retire, you let me know, and I'll work out what I can do strategy wise to make it work for you. You don't have to work to the age of 65. It's essentially when you want to retire, and there's Yes. no set balance as to what someone needs to retire on. It's essentially what is right for you and your goals. So if you say, right, at 60, Yes. I I wanna retire. I've had enough. I've worked my life. I'm done. I will then look at what your super balance is, what we can do with the supers, whether we can consolidate them, how we draw down income to supplement you up until age 67. And then we look Yep. from 67 what kind of eligibility you're able to get to supplement and how we pull back on super and how long that lasts. So that's all the No kind worries. of advice that I do provide and I can help you with, and we just look at what you need to live on at that point up until you get to retirement. We sort of focus on it tends to be, for most people, a thousand dollars a week because we don't Yep. Yeah. know what we're gonna need to live on. But when you get closer to that, you and I can look at a budget planner. We can talk about your expenditure, work out what you actually need to live on on a weekly basis, look at how long that survives, but then keep reviewing it to make sure that it's working and lasting as long as possible. Because you are right. Some people have one or two years in retirement. Other people have forty years. It's a whole another lifetime. So Yep. it's about No just worries.","start_word":2567,"end_word":2888,"sentiment":"neutral","sentiment_score":0.15680684251074464},{"text":"making sure it works for you as long as possible. All Alrighty. good.","start_word":2889,"end_word":2901,"sentiment":"positive","sentiment_score":0.40708065032958984},{"text":"The only other thing I wanted to make mention was we talked about your beneficiary nominations. So because you did have, obviously, you won a 45% to Emma, 45% to Hannah, and also 10% to your sister. We talked Yep. about updating the beneficiary nomination to legal personal representative, which means in the event of you passing, a 100% of your super gets paid to your estate, which has your will done up, and your will you made mention has those percentages set out correctly. Is that still correct? Yes. My my will Yes. that's what the will says. And Yeah. and and my and my sister is enduring power of attorney. She has that as well.","start_word":2902,"end_word":3018,"sentiment":"neutral","sentiment_score":0.15915951132774353},{"text":"Perfect.","start_word":3019,"end_word":3019,"sentiment":"positive","sentiment_score":0.5744912624359131},{"text":"So I am recommending we update your beneficiary nomination the same as we spoke about and have your super directed to your estate in the event of passing, mainly because as we kind of went through, your daughters do they are beneficiaries and are absolutely fine, but your sister isn't technically under the legislation. So if she was to go and claim that 10% against your super, that would come back. Essentially, they say you're not eligible. It's not a valid nomination. And then that 10% goes through a probate process, which means that she's there's less, like, a chance that I she wanna may not avoid get that money probate at all. if I can. I wanna avoid probate Absolute if I can. absolutely.","start_word":3020,"end_word":3144,"sentiment":"neutral","sentiment_score":0.018342379480600357},{"text":"So having it set up to the LPR and having your super in the event of you passing paid to your estate, it means that that super money is paid to your will and then is distributed as per your will. That's a much more streamlined process, and it means that all of your beneficiaries, including your sister, will essentially get be able to claim that money much easier.","start_word":3145,"end_word":3213,"sentiment":"positive","sentiment_score":0.4357223212718963},{"text":"Does that make sense? Yep. The government Yeah. gets enough money without sucking the probate out of them. Absolutely agree with you. You've worked I know too what it's hard. like because I went with my Yeah. my I had my younger brother, and then I had my mother. Yeah.","start_word":3214,"end_word":3263,"sentiment":"neutral","sentiment_score":0.008586623519659043},{"text":"And both times, it was like a nightmare getting through it. So because of all the bullshit fees they suck you for regardless of what it says and who will or whatever.","start_word":3264,"end_word":3295,"sentiment":"negative","sentiment_score":-0.5327566266059875},{"text":"So, Yeah.","start_word":3296,"end_word":3297,"sentiment":"neutral","sentiment_score":-0.18210333585739136},{"text":"yeah, It's not I it's a long process, and you're arguing with court systems and lawyers, and it's just yep.","start_word":3298,"end_word":3317,"sentiment":"negative","sentiment_score":-0.34155938029289246},{"text":"a mission.","start_word":3318,"end_word":3319,"sentiment":"neutral","sentiment_score":-0.2596226930618286},{"text":"My my husband's family are doing that at the moment, and it's really a difficult process. I don't envy Yeah.","start_word":3320,"end_word":3339,"sentiment":"negative","sentiment_score":-0.3838413655757904},{"text":"it in any way, And I shape, don't. or form. So I mean, I've been through it twice, and I don't wanna I'm put anyone sorry. else through that when I before I go. So Absolutely. So now look.","start_word":3340,"end_word":3378,"sentiment":"neutral","sentiment_score":-0.17645566165447235},{"text":"Structuring this nomination this way is the best way to do it. It means that yep. the super will go to your estate and then can be distributed as per your wishes in your will. It is a much more streamlined process. It means your sister is more likely to receive her 10%. And it Yep. actually works out well because your super is then put into your estate with the rest of your assets.","start_word":3379,"end_word":3453,"sentiment":"positive","sentiment_score":0.4509762823581696},{"text":"It's also lumped together, and then everything is claimed as one. So it all goes through the normal state process. The tax return is completed, and then your trustee, you know, pays out. Your executive pays out to each beneficiary correctly in the percentages Yep.","start_word":3454,"end_word":3498,"sentiment":"neutral","sentiment_score":0.2873881757259369},{"text":"nominated. So it just works out easier for you. At the end of the day, a nomination is also just a protection in the event that something happens. Ultimately, I want you to get to retirement, enjoy your money, and, you know, live as long as you possibly can.","start_word":3499,"end_word":3547,"sentiment":"positive","sentiment_score":0.5120997428894043},{"text":"So Yep. we'll but if you're comfortable, That's fine. my team can my team can help by pre filling the nomination and send it to you. Is Yep. post or an email better for yourself? I can do both if you prefer. Probably We can do both if it's easier. We can send email and post. yeah. Yeah. Just Yeah. yep. Yep.","start_word":3548,"end_word":3609,"sentiment":"neutral","sentiment_score":0.1439342051744461},{"text":"That'd Absolutely. be good. Not a problem. We'll get that sorted for you.","start_word":3610,"end_word":3622,"sentiment":"positive","sentiment_score":0.4786069095134735},{"text":"That is essentially the the rundown of the advice there. When you get some time, have a look in your email, open the advice document up. It does outline the advantages, the disadvantages, the risks involved of each of the strategies. I've also got Yep. the best interest duty there, which outlines why each of these recommendations are in your best interest. I've got also a little bit of a retirement projection there. So I limited scoping the retirement aspect to sort of show you where you're tracking for because, you know, you've worked really hard. You deserve to see the light at the end of that tunnel so far. And then we'll Yep. just keep reviewing things and moving forward. With your annual review docs that went out the other week, it looks like we had some trouble downloading those documents. So I've had to reupload the tax file opt in form and your ongoing service agreements. They are also attached. Once you've read through the document, if you have questions, come back and let me know. There is no such thing as a silly question.","start_word":3623,"end_word":3809,"sentiment":"neutral","sentiment_score":0.1416136473417282},{"text":"You're welcome to ask anything you like. And if you read through it and decide you're happy to take the recommendations, we'll get you to sign all those documents and send them back to us, and we can have those investments which is placed for you nice and quickly.","start_word":3810,"end_word":3858,"sentiment":"positive","sentiment_score":0.4819656014442444},{"text":"Okay? Yep. No worries. Yep.","start_word":3859,"end_word":3863,"sentiment":"neutral","sentiment_score":0.20486705005168915},{"text":"Sounds good. All good.","start_word":3864,"end_word":3867,"sentiment":"positive","sentiment_score":0.5541775226593018},{"text":"Is there any questions that might have come out of that so far, Matthew? I know it can be difficult when I'm talking to you. No. That's alright.","start_word":3868,"end_word":3895,"sentiment":"neutral","sentiment_score":-0.00556906359270215},{"text":"I'm I'm pretty good.","start_word":3896,"end_word":3899,"sentiment":"positive","sentiment_score":0.3520704507827759},{"text":"I've yeah.","start_word":3900,"end_word":3901,"sentiment":"neutral","sentiment_score":0.2512231171131134},{"text":"Yeah. I'm pretty happy that just came to Beautiful. to, yeah, just go ahead with it now, I guess.","start_word":3902,"end_word":3920,"sentiment":"positive","sentiment_score":0.49214062094688416},{"text":"Absolutely. And did you want me to do a bit of a catch up with you in the next sort of six months to see how things are tracking, or would you like this to twelve month catch up? What would you like down the track? Yeah. Six months. A six month catch up just to Yep. reassure if, you know, everything's on track. Still working? Yeah.","start_word":3921,"end_word":3987,"sentiment":"neutral","sentiment_score":0.0680243748782286},{"text":"Absolutely. Not a problem.","start_word":3988,"end_word":3991,"sentiment":"positive","sentiment_score":0.3543063700199127},{"text":"I Yep. will put that in my calendar, and my team will touch base in six months to book you in. Yep. And, yeah, just have a look through the documents there. I have also added some issues. Depends on how much reading you like, I suppose. But I've got some product disclosure statements and some additional information attached there for you in relation to the recommendations I've made. If you wanted to run through the PDFs and have a bit of a look at hub 24 and CSC for information, which is the military super, you're welcome to have a look through those as well. Okay? No worries.","start_word":3992,"end_word":4100,"sentiment":"neutral","sentiment_score":0.09070712327957152},{"text":"Awesome.","start_word":4101,"end_word":4101,"sentiment":"positive","sentiment_score":0.3337949514389038},{"text":"I will let you go, Matthew.","start_word":4102,"end_word":4107,"sentiment":"neutral","sentiment_score":0.30932220816612244},{"text":"Thank you so Yep. much for your time.","start_word":4108,"end_word":4115,"sentiment":"positive","sentiment_score":0.4476985931396485},{"text":"But if there's any questions that come out of that document, don't hesitate to give me a call. Okay?","start_word":4116,"end_word":4134,"sentiment":"neutral","sentiment_score":0.11602373421192168},{"text":"Awesome. Thanks for that. My pleasure. Enjoy your day. Enjoy your week.","start_word":4135,"end_word":4146,"sentiment":"positive","sentiment_score":0.504156231880188},{"text":"You're off this week. Is that right? Yeah. Yeah. But I'm Yep. I'm I'm pretty flooded out. So, yeah, Yeah. I'm doing Oh, getting my reno's done and all that sort of stuff. He's yes. adding value Yeah. Yeah. to my house. You told me that last time, and how's that going? Is it being progressing Yeah. It's nicely? going pretty Or good. I'm I'm getting, you know, the light at the end of tunnel is getting brighter now.","start_word":4147,"end_word":4225,"sentiment":"neutral","sentiment_score":0.05969643592834473},{"text":"So fantastic. Oh, I love that. Fantastic. awesome. Oh, that's excellent. Yeah. Well, good luck.","start_word":4226,"end_word":4240,"sentiment":"positive","sentiment_score":0.5707501173019409},{"text":"I'll keep in touch with you. We'll talk in the next six months. And if there's anything that comes up in the meantime, look, you're not limited to just contact at the times that we stipulate, like, for quarterly and things. If something comes up in the meantime and you want an extra conversation, let us know.","start_word":4241,"end_word":4297,"sentiment":"neutral","sentiment_score":0.11640518668450808},{"text":"My team will book you in, and you and I can talk about anything that's on your mind.","start_word":4298,"end_word":4315,"sentiment":"positive","sentiment_score":0.36517223715782166},{"text":"Okay?","start_word":4316,"end_word":4316,"sentiment":"neutral","sentiment_score":0.20223340392112732},{"text":"No worries. Cool. Thanks so much, Matthew. Enjoy your day.","start_word":4317,"end_word":4326,"sentiment":"positive","sentiment_score":0.7280978560447693},{"text":"Don't work too hard.","start_word":4327,"end_word":4330,"sentiment":"neutral","sentiment_score":0.07132363319396973},{"text":"Alright. Thank you. Thank you. Talk to you soon. See you later.","start_word":4331,"end_word":4342,"sentiment":"positive","sentiment_score":0.5333033800125122},{"text":"Bye bye. Bye.","start_word":4343,"end_word":4345,"sentiment":"neutral","sentiment_score":0.1764877438545227}],"average":{"sentiment":"neutral","sentiment_score":0.16084227800903006}}}}