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Just before I go any further, Peter, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Yep. And, Peter, can I please ask you to let me start again? Can I please ask you to give me your full name, date of birth, and address, please? Yep. Lovely. Thank you for that, Peter. I appreciate that. I'm giving you a call today. You have an advice discussion booked in. It I've been given a brief update that you're looking at setting up a pension account as you're ready to retire. Yep. Yeah. So a transition to retirement pension. That's correct. So I think probably first, just so I can understand exactly your situation that I have all the information available to make a recommendation. Just wanna focus on a couple of key areas that I need to confirm. Is that okay? Yep. So with retirement, are you looking at full retirement or part retirement when you say you're getting ready to retire? Okay. Alright. And I've got that investment property valued at $1.50 150,000. How much rent is it currently producing for you? On on average? Yep. So that would be on average per week? Yep. And by putting the money in, how much you're hoping to increase that by? Yep. Okay. And is that okay. Okay. Alright. And you're still working as a council laborer and a truck driver on the weekend. Is that correct? It's not? Okay. Okay. So taking that into consideration, what does your income drop to? Because we had it at 81,000 for both those roles. What's the council income alone? Yeah. Okay. So would you be comfortable saying 70 or 65? Yes. 65. Yep. Okay. And I've got your weekly expenditure at about $1,500 a week. Is that still correct? Yep. Alright. Fantastic. What I wanted to just check off with is that your your your full retirement, you looked at age 65 with a thousand dollars per week for income when you fully retire. Is that still what you're looking at when you retire completely? Yeah? Okay. That's alright. So with and the the goal that was linked to that was being debt free on your home as or as close to as possible as debt free on your home. What's your mortgage sitting at now? We did have 209,000. Okay. Alright. And the goal of being debt free or as close to that still applies? Yep. Okay. Now when we look at a transition to retirement strategy, one of the benefits is is the tax effectiveness of it. Are you looking at at making additional contributions to super through sacrifice and topping up with the transition to retirement pension, or are you wanting to just access the funds? Yep. Yep. Okay. That's okay. I've just gotta ask the questions just to understand completely what what it is that you're wanting to achieve. That's all. Okay. Alright. So we've you invested at the moment as a balanced growth investor. What that means is that, typically, there's about 70% of your assets, which Veronica has probably been through with you previously, invested in growth assets and about 30% in your defensive assets. Your defensive assets being the ones that produce income for you and your growth assets being shares, for example, that produce the growth and also income through dividend exposure. So the are you comfortable maintaining that balanced growth approach that you did? Yep. Yep. Okay. Alright. Just bear with me one second. I'm going to just run over a few things just so the maximum you can access is 10% as Veronica's probably mentioned in the past. So I'm going to jump into your super account so we can have a look at that. And you're are you wanting to access the minimum, the 10%? Yep. Did you want that in a lump payment lump sum payment or a weekly amount? Lump sum. Okay. Alright. Beautiful. I'm just making some notes as we go. Because what I'll need to do from here, Peter, is I do need to just go away and build what's called a statement of advice, which you would have received in the past. It's a document that contains the advice that you're seeking. So in this instance, it will be establishing a transition to retirement pension. I am happy to go do that. And what we can do is book that in for a presentation appointment, if you like, in a couple of weeks' time. Does that work for you, Peter? Yeah. Yep. Sir. Yeah. Unfortunately, because it's advice, we need to make sure that the proper due diligence and processes are followed. So being licensed by, ASIC, we have to produce an advice document which clearly outlines to the client the risks and benefits of it so that you're able to actually make an informed decision. So my my duty is to make sure that you have all that information to do so. And it's I'm look I'm just looking at the current weeks. You are in is it New South Wales? So daylight savings time will apply. So I'm just trying to wrap my head around that at the moment. If we look at what day of the week works best for you? Afternoon around the same time, 03:30? Yeah. Yeah. 03:34. So that would be 03:30 New South Wales time. 04:30. I could do Thursday the fifteenth at 04:30 New South Wales time. Yes. 04:30 New South Wales time. Oh, hold on a second. Let me double check that. 04:30, which is 03:30. Actually, I'd need to make three to four. I'd need to make it the whole four, which is five. Yeah. Okay. I won't be sick. I live in New South Wales myself, so I'm used to the New South Wales time. And then when I look at the Queensland calendar, it it slowly hurts my brain. Sopping back and forth. So if I looked at what about five on that Thursday? Would that be okay? Yeah. Because I've got a four Queensland time, so that would work. It wouldn't take it won't take very long, to be honest with you, to run through that. I do just need to book that in. So I'm gonna and if there's a possibility for me to bring that forward for you and it's ready sooner, did you want me to phone you? Yeah. Yeah. I can do that. Yep. Alright. I will get working on that. I'll share that with the team this afternoon, and I'll get a move on that for you and try and bring it forward if I can. Okay. Do you yep. I was just about to ask. Do you have any questions for me? Yep. Depending on your balance. So let me have a look. It depends I if all the funds going in are taxable from your employer, then yes. That will probably be part of the advice document and part of the risks that I'm gonna need to investigate and dig further. Yep. So you will so what will happen is is you're gonna have two accounts. You'll have one with hub that's a super fund and one with hub that is a transition to retirement account. So there's gonna be a double up of admin fees that you charge with hub that you're charged through hub, but I'm gonna break that all down for you in the advice document. So it's all gonna be there for you're unable to okay. So your preservation age means that you're able to access if you via a lump sum, if you have fully retired and do not intend to work return to the workforce. So because you are still employed and working, you're unable to access it as a lump sum. The only way you can do so is through a transition to retirement strategy. From the age of 65, there are no you can still be working, and there are no limitations on how you access it. So if you're 65, you could most certainly access it as a lump sum. But because you're 60, the rules of retirement apply until you reach the age of 65. Yeah. Yeah. Well, I can have it will be paid as a lump sum to you. It's just through a transition to retirement strategy. It's it's not it's not necessarily sorry? Unfortunately, the fees yeah. So what I'm gonna do is and that's part of the whole advice document process is to make sure that you understand all of the information. There's no there's no point me sitting here today saying it's gonna be x y zed because I I don't know. I haven't gone and done the research yet. I would rather conduct the research so I can actually give you correct and accurate information than give you a ballpark figure, figure, and it'd be completely inaccurate. Yeah. So I can definitely go away and start working on that. And, yeah, if I can bring that forward in any way possible, I will do so. Alright. Well, thanks for your time, Peter, and I look forward to talking to you again soon. Thank you. 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Is this Peter? Peter, this is Jenna phoning from Oakview Financial. How are you today? That's good.\n\nJust before I go any further, Peter, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Yep. And, Peter, can I please ask you to let me start again? Can I please ask you to give me your full name, date of birth, and address, please?\n\nYep. Lovely. Thank you for that, Peter. I appreciate that. I'm giving you a call today.\n\nYou have an advice discussion booked in. It I've been given a brief update that you're looking at setting up a pension account as you're ready to retire. Yep. Yeah. So a transition to retirement pension.\n\nThat's correct. So I think probably first, just so I can understand exactly your situation that I have all the information available to make a recommendation. Just wanna focus on a couple of key areas that I need to confirm. Is that okay? Yep.\n\nSo with retirement, are you looking at full retirement or part retirement when you say you're getting ready to retire? Okay. Alright. And I've got that investment property valued at $1.50 150,000. How much rent is it currently producing for you?\n\nOn on average? Yep. So that would be on average per week? Yep. And by putting the money in, how much you're hoping to increase that by?\n\nYep. Okay. And is that okay. Okay. Alright.\n\nAnd you're still working as a council laborer and a truck driver on the weekend. Is that correct? It's not? Okay. Okay.\n\nSo taking that into consideration, what does your income drop to? Because we had it at 81,000 for both those roles. What's the council income alone? Yeah. Okay.\n\nSo would you be comfortable saying 70 or 65? Yes. 65. Yep. Okay.\n\nAnd I've got your weekly expenditure at about $1,500 a week. Is that still correct? Yep. Alright. Fantastic.\n\nWhat I wanted to just check off with is that your your your full retirement, you looked at age 65 with a thousand dollars per week for income when you fully retire. Is that still what you're looking at when you retire completely? Yeah? Okay. That's alright.\n\nSo with and the the goal that was linked to that was being debt free on your home as or as close to as possible as debt free on your home. What's your mortgage sitting at now? We did have 209,000. Okay. Alright.\n\nAnd the goal of being debt free or as close to that still applies? Yep. Okay. Now when we look at a transition to retirement strategy, one of the benefits is is the tax effectiveness of it. Are you looking at at making additional contributions to super through sacrifice and topping up with the transition to retirement pension, or are you wanting to just access the funds?\n\nYep. Yep. Okay. That's okay. I've just gotta ask the questions just to understand completely what what it is that you're wanting to achieve.\n\nThat's all. Okay. Alright. So we've you invested at the moment as a balanced growth investor. What that means is that, typically, there's about 70% of your assets, which Veronica has probably been through with you previously, invested in growth assets and about 30% in your defensive assets.\n\nYour defensive assets being the ones that produce income for you and your growth assets being shares, for example, that produce the growth and also income through dividend exposure. So the are you comfortable maintaining that balanced growth approach that you did? Yep. Yep. Okay.\n\nAlright. Just bear with me one second. I'm going to just run over a few things just so the maximum you can access is 10% as Veronica's probably mentioned in the past. So I'm going to jump into your super account so we can have a look at that. And you're are you wanting to access the minimum, the 10%?\n\nYep. Did you want that in a lump payment lump sum payment or a weekly amount? Lump sum. Okay. Alright.\n\nBeautiful. I'm just making some notes as we go. Because what I'll need to do from here, Peter, is I do need to just go away and build what's called a statement of advice, which you would have received in the past. It's a document that contains the advice that you're seeking. So in this instance, it will be establishing a transition to retirement pension.\n\nI am happy to go do that. And what we can do is book that in for a presentation appointment, if you like, in a couple of weeks' time. Does that work for you, Peter? Yeah. Yep.\n\nSir. Yeah. Unfortunately, because it's advice, we need to make sure that the proper due diligence and processes are followed. So being licensed by, ASIC, we have to produce an advice document which clearly outlines to the client the risks and benefits of it so that you're able to actually make an informed decision. So my my duty is to make sure that you have all that information to do so.\n\nAnd it's I'm look I'm just looking at the current weeks. You are in is it New South Wales? So daylight savings time will apply. So I'm just trying to wrap my head around that at the moment. If we look at what day of the week works best for you?\n\nAfternoon around the same time, 03:30? Yeah. Yeah. 03:34. So that would be 03:30 New South Wales time.\n\n04:30. I could do Thursday the fifteenth at 04:30 New South Wales time. Yes. 04:30 New South Wales time. Oh, hold on a second.\n\nLet me double check that. 04:30, which is 03:30. Actually, I'd need to make three to four. I'd need to make it the whole four, which is five. Yeah.\n\nOkay. I won't be sick. I live in New South Wales myself, so I'm used to the New South Wales time. And then when I look at the Queensland calendar, it it slowly hurts my brain. Sopping back and forth.\n\nSo if I looked at what about five on that Thursday? Would that be okay? Yeah. Because I've got a four Queensland time, so that would work. It wouldn't take it won't take very long, to be honest with you, to run through that.\n\nI do just need to book that in. So I'm gonna and if there's a possibility for me to bring that forward for you and it's ready sooner, did you want me to phone you? Yeah. Yeah. I can do that.\n\nYep. Alright. I will get working on that. I'll share that with the team this afternoon, and I'll get a move on that for you and try and bring it forward if I can. Okay.\n\nDo you yep. I was just about to ask. Do you have any questions for me? Yep. Depending on your balance.\n\nSo let me have a look. It depends I if all the funds going in are taxable from your employer, then yes. That will probably be part of the advice document and part of the risks that I'm gonna need to investigate and dig further. Yep. So you will so what will happen is is you're gonna have two accounts.\n\nYou'll have one with hub that's a super fund and one with hub that is a transition to retirement account. So there's gonna be a double up of admin fees that you charge with hub that you're charged through hub, but I'm gonna break that all down for you in the advice document. So it's all gonna be there for you're unable to okay. So your preservation age means that you're able to access if you via a lump sum, if you have fully retired and do not intend to work return to the workforce. So because you are still employed and working, you're unable to access it as a lump sum.\n\nThe only way you can do so is through a transition to retirement strategy. From the age of 65, there are no you can still be working, and there are no limitations on how you access it. So if you're 65, you could most certainly access it as a lump sum. But because you're 60, the rules of retirement apply until you reach the age of 65. Yeah.\n\nYeah. Well, I can have it will be paid as a lump sum to you. It's just through a transition to retirement strategy. It's it's not it's not necessarily sorry? Unfortunately, the fees yeah.\n\nSo what I'm gonna do is and that's part of the whole advice document process is to make sure that you understand all of the information. There's no there's no point me sitting here today saying it's gonna be x y zed because I I don't know. I haven't gone and done the research yet. I would rather conduct the research so I can actually give you correct and accurate information than give you a ballpark figure, figure, and it'd be completely inaccurate. Yeah.\n\nSo I can definitely go away and start working on that. And, yeah, if I can bring that forward in any way possible, I will do so. Alright. Well, thanks for your time, Peter, and I look forward to talking to you again soon. Thank you.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hi.","start":4.0,"end":4.4,"sentiment":"neutral","sentiment_score":0.03858229145407677},{"text":"Is this Peter?","start":4.4,"end":5.2999997,"sentiment":"neutral","sentiment_score":0.029994942868749302},{"text":"Peter, this is Jenna phoning from Oakview Financial.","start":6.7999997,"end":9.38,"sentiment":"neutral","sentiment_score":0.10701773501932621},{"text":"How are you today?","start":9.44,"end":10.42,"sentiment":"neutral","sentiment_score":0.16699621826410294},{"text":"That's good.","start":12.08,"end":12.8949995,"sentiment":"positive","sentiment_score":0.6312077641487122}],"sentiment":"neutral","sentiment_score":0.16195052230937612,"num_words":18,"start":4.0,"end":12.8949995},{"sentences":[{"text":"Just before I go any further, Peter, I just need to let you know that our calls are recorded for quality and coaching purposes.","start":12.8949995,"end":18.255,"sentiment":"neutral","sentiment_score":0.05188373763424655},{"text":"Is that okay?","start":18.255,"end":19.235,"sentiment":"neutral","sentiment_score":0.05690892661611239},{"text":"Yep.","start":20.974998,"end":21.455,"sentiment":"neutral","sentiment_score":0.02622774802148342},{"text":"And, Peter, can I please ask you to let me start again?","start":21.455,"end":26.435,"sentiment":"neutral","sentiment_score":0.016187942276398342},{"text":"Can I please ask you to give me your full name, date of birth, and address, 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in.","start":47.325,"end":50.065,"sentiment":"neutral","sentiment_score":0.1739227303436824},{"text":"It I've been given a brief update that you're looking at setting up a pension account as you're ready to retire.","start":51.485,"end":57.660004,"sentiment":"neutral","sentiment_score":0.17191405026685624},{"text":"Yep.","start":70.36,"end":70.605,"sentiment":"neutral","sentiment_score":0.04056365787982941},{"text":"Yeah.","start":72.205,"end":72.525,"sentiment":"neutral","sentiment_score":0.03840285912156105},{"text":"So a transition to retirement pension.","start":72.525,"end":75.825005,"sentiment":"neutral","sentiment_score":0.04280321920911471}],"sentiment":"neutral","sentiment_score":0.14342888889627325,"num_words":36,"start":47.325,"end":75.825005},{"sentences":[{"text":"That's correct.","start":76.125,"end":77.025,"sentiment":"neutral","sentiment_score":0.12443538755178452},{"text":"So I think probably first, just so I can understand exactly your situation that I have all the information available to make a recommendation.","start":77.40501,"end":90.57,"sentiment":"neutral","sentiment_score":0.08419422122339408},{"text":"Just wanna focus on a couple of key areas that I need to confirm.","start":91.51,"end":95.59,"sentiment":"neutral","sentiment_score":0.10240667313337326},{"text":"Is that okay?","start":95.59,"end":96.49,"sentiment":"neutral","sentiment_score":0.077543410162131},{"text":"Yep.","start":98.15,"end":98.65,"sentiment":"neutral","sentiment_score":0.015709366649389267}],"sentiment":"neutral","sentiment_score":0.08980829785154625,"num_words":44,"start":76.125,"end":98.65},{"sentences":[{"text":"So with retirement, are you looking at full retirement or part retirement when you say you're getting ready to retire?","start":98.95,"end":106.925,"sentiment":"neutral","sentiment_score":0.0009547068271785975},{"text":"Okay.","start":130.455,"end":130.955,"sentiment":"neutral","sentiment_score":0.030520938336849213},{"text":"Alright.","start":132.135,"end":132.635,"sentiment":"neutral","sentiment_score":0.036180153489112854},{"text":"And I've got that investment property valued at $1.50 150,000.","start":133.415,"end":138.775,"sentiment":"neutral","sentiment_score":0.02945496588945389},{"text":"How much rent is it currently producing for you?","start":138.775,"end":147.79001,"sentiment":"neutral","sentiment_score":0.007692415163748794}],"sentiment":"neutral","sentiment_score":0.010965283505800293,"num_words":41,"start":98.95,"end":147.79001},{"sentences":[{"text":"On on average?","start":147.85,"end":148.75,"sentiment":"neutral","sentiment_score":-0.0009821699932217598},{"text":"Yep.","start":148.81,"end":149.31,"sentiment":"neutral","sentiment_score":0.0070405034348368645},{"text":"So that would be on average per week?","start":150.09,"end":152.27,"sentiment":"neutral","sentiment_score":0.014745114604011178},{"text":"Yep.","start":153.93001,"end":154.43001,"sentiment":"neutral","sentiment_score":0.07518284022808075},{"text":"And by putting the money in, how much you're hoping to increase that by?","start":154.57,"end":158.315,"sentiment":"neutral","sentiment_score":0.06736874713429383}],"sentiment":"neutral","sentiment_score":0.04223704482946131,"num_words":27,"start":147.85,"end":158.315},{"sentences":[{"text":"Yep.","start":164.295,"end":164.795,"sentiment":"neutral","sentiment_score":0.06662657111883163},{"text":"Okay.","start":166.05501,"end":166.55501,"sentiment":"neutral","sentiment_score":0.024613015353679657},{"text":"And is that okay.","start":166.77501,"end":177.31,"sentiment":"neutral","sentiment_score":-0.01763950102031231},{"text":"Okay.","start":184.50499,"end":185.00499,"sentiment":"neutral","sentiment_score":0.039423637092113495},{"text":"Alright.","start":187.14499,"end":187.64499,"sentiment":"neutral","sentiment_score":0.07397112250328064}],"sentiment":"neutral","sentiment_score":0.016759542748332024,"num_words":8,"start":164.295,"end":187.64499},{"sentences":[{"text":"And you're still working as a council laborer and a truck driver on the weekend.","start":188.58499,"end":196.31999,"sentiment":"neutral","sentiment_score":0.05063400069872538},{"text":"Is that correct?","start":196.31999,"end":197.14,"sentiment":"neutral","sentiment_score":0.04364919910828272},{"text":"It's not?","start":200.48,"end":201.2,"sentiment":"neutral","sentiment_score":-0.13295022025704384},{"text":"Okay.","start":201.2,"end":201.7,"sentiment":"neutral","sentiment_score":-0.17251819372177124},{"text":"Okay.","start":204.31999,"end":204.81999,"sentiment":"neutral","sentiment_score":-0.07296326756477356}],"sentiment":"neutral","sentiment_score":0.017230713909322567,"num_words":22,"start":188.58499,"end":204.81999},{"sentences":[{"text":"So taking that into consideration, what does your income drop to?","start":205.28,"end":209.785,"sentiment":"neutral","sentiment_score":-0.11280844258991155},{"text":"Because we had it at 81,000 for both those roles.","start":209.785,"end":213.785,"sentiment":"neutral","sentiment_score":-0.07106604576110839},{"text":"What's the council income alone?","start":213.785,"end":216.845,"sentiment":"neutral","sentiment_score":-0.0493393562734127},{"text":"Yeah.","start":227.24,"end":227.74,"sentiment":"neutral","sentiment_score":-0.016563786193728447},{"text":"Okay.","start":234.425,"end":234.825,"sentiment":"neutral","sentiment_score":0.021630531176924706}],"sentiment":"neutral","sentiment_score":-0.07832797723157066,"num_words":28,"start":205.28,"end":234.825},{"sentences":[{"text":"So would you be comfortable saying 70 or 65?","start":234.825,"end":239.565,"sentiment":"neutral","sentiment_score":0.01723617584341102},{"text":"Yes.","start":239.785,"end":240.285,"sentiment":"neutral","sentiment_score":0.03462826460599899},{"text":"65.","start":241.145,"end":241.865,"sentiment":"neutral","sentiment_score":0.03375448286533356},{"text":"Yep.","start":241.865,"end":242.365,"sentiment":"neutral","sentiment_score":0.05859836935997009},{"text":"Okay.","start":243.865,"end":244.365,"sentiment":"neutral","sentiment_score":0.052681438624858856}],"sentiment":"neutral","sentiment_score":0.02575293369591236,"num_words":13,"start":234.825,"end":244.365},{"sentences":[{"text":"And I've got your weekly expenditure at about $1,500 a week.","start":244.985,"end":248.67,"sentiment":"neutral","sentiment_score":0.041914390569383446},{"text":"Is that still correct?","start":248.67,"end":250.05,"sentiment":"neutral","sentiment_score":0.05021878611296415},{"text":"Yep.","start":252.99,"end":253.47,"sentiment":"neutral","sentiment_score":0.09451435506343842},{"text":"Alright.","start":253.47,"end":253.95,"sentiment":"neutral","sentiment_score":0.3270863890647888},{"text":"Fantastic.","start":253.95,"end":254.45,"sentiment":"positive","sentiment_score":0.49334701895713806}],"sentiment":"neutral","sentiment_score":0.08760451132224666,"num_words":18,"start":244.985,"end":254.45},{"sentences":[{"text":"What I wanted to just check off with is that your your your full retirement, you looked at age 65 with a thousand dollars per week for income when you fully retire.","start":256.19,"end":268.485,"sentiment":"neutral","sentiment_score":0.13714395533315837},{"text":"Is that still what you're looking at when you retire completely?","start":268.485,"end":274.425,"sentiment":"neutral","sentiment_score":0.03459644876420498},{"text":"Yeah?","start":274.965,"end":275.465,"sentiment":"neutral","sentiment_score":0.030786043033003807},{"text":"Okay.","start":276.32498,"end":276.69,"sentiment":"neutral","sentiment_score":0.08388833701610565},{"text":"That's alright.","start":278.05,"end":279.11002,"sentiment":"neutral","sentiment_score":0.15845083445310595}],"sentiment":"neutral","sentiment_score":0.11065411821324775,"num_words":47,"start":256.19,"end":279.11002},{"sentences":[{"text":"So with and the the goal that was linked to that was being debt free on your home as or as close to as possible as debt free on your home.","start":279.17,"end":287.81,"sentiment":"neutral","sentiment_score":0.17055535244364892},{"text":"What's your mortgage sitting at now?","start":287.81,"end":296.22498,"sentiment":"neutral","sentiment_score":0.028817550900081795},{"text":"We did have 209,000.","start":296.22498,"end":298.485,"sentiment":"neutral","sentiment_score":0.041311089880764484},{"text":"Okay.","start":309.93,"end":310.43,"sentiment":"neutral","sentiment_score":0.15499404072761536},{"text":"Alright.","start":310.57,"end":311.07,"sentiment":"neutral","sentiment_score":0.20421616733074188}],"sentiment":"neutral","sentiment_score":0.13917618136593077,"num_words":43,"start":279.17,"end":311.07},{"sentences":[{"text":"And the goal of being debt free or as close to that still applies?","start":311.21,"end":315.71,"sentiment":"neutral","sentiment_score":0.20315916623388017},{"text":"Yep.","start":318.25,"end":318.72998,"sentiment":"neutral","sentiment_score":0.1892731487751007},{"text":"Okay.","start":318.72998,"end":319.22998,"sentiment":"neutral","sentiment_score":0.17187002301216123},{"text":"Now when we look at a transition to retirement strategy, one of the benefits is is the tax effectiveness of it.","start":319.595,"end":327.855,"sentiment":"neutral","sentiment_score":0.1970863462913604},{"text":"Are you looking at at making additional contributions to super through sacrifice and topping up with the transition to retirement pension, or are you wanting to just access the funds?","start":327.99503,"end":340.18,"sentiment":"neutral","sentiment_score":0.10714520066976548}],"sentiment":"neutral","sentiment_score":0.15759016106377788,"num_words":67,"start":311.21,"end":340.18},{"sentences":[{"text":"Yep.","start":344.63998,"end":345.03998,"sentiment":"neutral","sentiment_score":0.036229949444532394},{"text":"Yep.","start":345.03998,"end":345.28,"sentiment":"neutral","sentiment_score":0.07871882617473602},{"text":"Okay.","start":345.28,"end":345.68,"sentiment":"neutral","sentiment_score":0.15918876230716705},{"text":"That's okay.","start":345.68,"end":346.41998,"sentiment":"neutral","sentiment_score":0.29455575346946716},{"text":"I've just gotta ask the questions just to understand completely what what it is that you're wanting to achieve.","start":346.615,"end":354.235,"sentiment":"neutral","sentiment_score":0.18050311819503181}],"sentiment":"neutral","sentiment_score":0.17886701210712394,"num_words":24,"start":344.63998,"end":354.235},{"sentences":[{"text":"That's all.","start":354.375,"end":355.115,"sentiment":"neutral","sentiment_score":0.11171044036746025},{"text":"Okay.","start":356.455,"end":356.955,"sentiment":"neutral","sentiment_score":0.2282884120941162},{"text":"Alright.","start":357.335,"end":357.81497,"sentiment":"neutral","sentiment_score":0.30375081300735474},{"text":"So we've you invested at the moment as a balanced growth investor.","start":357.81497,"end":362.09,"sentiment":"neutral","sentiment_score":0.27965415890018147},{"text":"What that means is that, typically, there's about 70% of your assets, which Veronica has probably been through with you previously, invested in growth assets and about 30% in your defensive assets.","start":362.79,"end":375.595,"sentiment":"neutral","sentiment_score":0.16767007810994983}],"sentiment":"neutral","sentiment_score":0.19743234400327006,"num_words":48,"start":354.375,"end":375.595},{"sentences":[{"text":"Your defensive assets being the ones that produce income for you and your growth assets being shares, for example, that produce the growth and also income through dividend exposure.","start":376.535,"end":388.91,"sentiment":"neutral","sentiment_score":0.19150748720456814},{"text":"So the are you comfortable maintaining that balanced growth approach that you did?","start":389.61,"end":400.175,"sentiment":"neutral","sentiment_score":0.14684086507902697},{"text":"Yep.","start":400.475,"end":400.975,"sentiment":"neutral","sentiment_score":0.05647462606430054},{"text":"Yep.","start":402.155,"end":402.63498,"sentiment":"neutral","sentiment_score":0.06605614721775055},{"text":"Okay.","start":402.63498,"end":403.13498,"sentiment":"neutral","sentiment_score":0.10569939762353896}],"sentiment":"neutral","sentiment_score":0.17090841213034258,"num_words":45,"start":376.535,"end":403.13498},{"sentences":[{"text":"Alright.","start":403.51498,"end":404.01498,"sentiment":"neutral","sentiment_score":0.13700516521930697},{"text":"Just bear with me one second.","start":404.475,"end":406.255,"sentiment":"neutral","sentiment_score":0.0579135250300169},{"text":"I'm going to just run over a few things just so the maximum you can access is 10% as Veronica's probably mentioned in the past.","start":407.195,"end":422.19,"sentiment":"neutral","sentiment_score":0.08618396759033203},{"text":"So I'm going to jump into your super account so we can have a look at that.","start":425.245,"end":430.785,"sentiment":"neutral","sentiment_score":0.11686118692159653},{"text":"And you're are you wanting to access the minimum, the 10%?","start":431.405,"end":434.54498,"sentiment":"neutral","sentiment_score":0.05613324384797703}],"sentiment":"neutral","sentiment_score":0.08738652275254329,"num_words":60,"start":403.51498,"end":434.54498},{"sentences":[{"text":"Yep.","start":436.525,"end":437.025,"sentiment":"neutral","sentiment_score":0.07701831310987473},{"text":"Did you want that in a lump payment lump sum payment or a weekly amount?","start":437.16498,"end":442.39,"sentiment":"neutral","sentiment_score":0.056304423386851946},{"text":"Lump sum.","start":443.01,"end":443.83002,"sentiment":"neutral","sentiment_score":0.0664591621607542},{"text":"Okay.","start":444.21002,"end":444.71002,"sentiment":"neutral","sentiment_score":0.15849587321281433},{"text":"Alright.","start":445.01,"end":445.51,"sentiment":"positive","sentiment_score":0.33805912733078003}],"sentiment":"neutral","sentiment_score":0.07755289943888784,"num_words":20,"start":436.525,"end":445.51},{"sentences":[{"text":"Beautiful.","start":447.97,"end":448.47,"sentiment":"positive","sentiment_score":0.631271243095398},{"text":"I'm just making some notes as we go.","start":448.61002,"end":450.79,"sentiment":"neutral","sentiment_score":0.3187919403426349},{"text":"Because what I'll need to do from here, Peter, is I do need to just go away and build what's called a statement of advice, which you would have received in the past.","start":451.89,"end":461.595,"sentiment":"neutral","sentiment_score":0.12984574507131721},{"text":"It's a document that contains the advice that you're seeking.","start":461.595,"end":465.595,"sentiment":"neutral","sentiment_score":0.28485797345638275},{"text":"So in this instance, it will be establishing a transition to retirement pension.","start":465.595,"end":471.09,"sentiment":"positive","sentiment_score":0.4157135555377373}],"sentiment":"neutral","sentiment_score":0.24183649707299013,"num_words":65,"start":447.97,"end":471.09},{"sentences":[{"text":"I am happy to go do that.","start":473.31,"end":476.77,"sentiment":"positive","sentiment_score":0.8731743693351746},{"text":"And what we can do is book that in for a presentation appointment, if you like, in a couple of weeks' time.","start":478.43,"end":489.735,"sentiment":"positive","sentiment_score":0.5253885388374329},{"text":"Does that work for you, Peter?","start":489.735,"end":491.19498,"sentiment":"neutral","sentiment_score":0.2590675751368205},{"text":"Yeah.","start":493.735,"end":494.235,"sentiment":"neutral","sentiment_score":0.0567534938454628},{"text":"Yep.","start":494.29498,"end":494.58,"sentiment":"neutral","sentiment_score":-0.02693050727248192}],"sentiment":"positive","sentiment_score":0.5204053210044229,"num_words":37,"start":473.31,"end":494.58},{"sentences":[{"text":"Sir.","start":495.46,"end":495.96,"sentiment":"neutral","sentiment_score":-0.0485868826508522},{"text":"Yeah.","start":497.78,"end":498.28,"sentiment":"neutral","sentiment_score":-0.04962936416268349},{"text":"Unfortunately, because it's advice, we need to make sure that the proper due diligence and processes are followed.","start":498.41998,"end":507.21997,"sentiment":"neutral","sentiment_score":-0.28644443137778175},{"text":"So being licensed by, ASIC, we have to produce an advice document which clearly outlines to the client the risks and benefits of it so that you're able to actually make an informed decision.","start":507.21997,"end":520.805,"sentiment":"neutral","sentiment_score":0.08168457382742096},{"text":"So my my duty is to make sure that you have all that information to do so.","start":521.185,"end":528.21,"sentiment":"neutral","sentiment_score":0.1657246964819291}],"sentiment":"neutral","sentiment_score":0.004794075193119721,"num_words":71,"start":495.46,"end":528.21},{"sentences":[{"text":"And it's I'm look I'm just looking at the current weeks.","start":529.87006,"end":535.25,"sentiment":"neutral","sentiment_score":0.02942535315047611},{"text":"You are in is it New South Wales?","start":536.385,"end":540.22504,"sentiment":"neutral","sentiment_score":0.002647559274919331},{"text":"So daylight savings time will apply.","start":540.22504,"end":542.065,"sentiment":"neutral","sentiment_score":-0.006920419633388519},{"text":"So I'm just trying to wrap my head around that at the moment.","start":542.065,"end":545.68506,"sentiment":"neutral","sentiment_score":-0.014593506088623634},{"text":"If we look at what day of the week works best for you?","start":546.54504,"end":554.22,"sentiment":"neutral","sentiment_score":0.04136786244523067}],"sentiment":"neutral","sentiment_score":0.012772617131179454,"num_words":51,"start":529.87006,"end":554.22},{"sentences":[{"text":"Afternoon around the same time, 03:30?","start":554.51996,"end":557.1,"sentiment":"neutral","sentiment_score":-0.0016928882493327062},{"text":"Yeah.","start":557.88,"end":558.38,"sentiment":"neutral","sentiment_score":0.01263309083878994},{"text":"Yeah.","start":558.92,"end":559.24,"sentiment":"neutral","sentiment_score":0.01352684572339058},{"text":"03:34.","start":559.24,"end":560.3,"sentiment":"neutral","sentiment_score":0.006927515845745802},{"text":"So that would be 03:30 New South Wales time.","start":560.6,"end":567.055,"sentiment":"neutral","sentiment_score":0.006038294018556674}],"sentiment":"neutral","sentiment_score":0.0042930427266077865,"num_words":18,"start":554.51996,"end":567.055},{"sentences":[{"text":"04:30.","start":568.315,"end":569.03503,"sentiment":"neutral","sentiment_score":0.012072120793163776},{"text":"I could do Thursday the fifteenth at 04:30 New South Wales time.","start":569.03503,"end":574.495,"sentiment":"neutral","sentiment_score":0.016220107519378264},{"text":"Yes.","start":585.36,"end":585.6,"sentiment":"neutral","sentiment_score":0.012080215848982334},{"text":"04:30 New South Wales time.","start":585.6,"end":588.1,"sentiment":"neutral","sentiment_score":0.006943904049694538},{"text":"Oh, hold on a second.","start":588.24,"end":589.2,"sentiment":"neutral","sentiment_score":-0.006086101941764355}],"sentiment":"neutral","sentiment_score":0.009295109892264009,"num_words":24,"start":568.315,"end":589.2},{"sentences":[{"text":"Let me double check that.","start":589.2,"end":590.57996,"sentiment":"neutral","sentiment_score":-0.007573198899626732},{"text":"04:30, which is 03:30.","start":592.0,"end":594.60504,"sentiment":"neutral","sentiment_score":-0.00896123400889337},{"text":"Actually, I'd need to make three to four.","start":594.74506,"end":597.24506,"sentiment":"neutral","sentiment_score":-0.03629373968578875},{"text":"I'd need to make it the whole four, which is five.","start":597.86505,"end":606.96,"sentiment":"neutral","sentiment_score":0.004999964921311898},{"text":"Yeah.","start":609.02,"end":609.52,"sentiment":"neutral","sentiment_score":0.01439038384705782}],"sentiment":"neutral","sentiment_score":-0.010161063794432015,"num_words":29,"start":589.2,"end":609.52},{"sentences":[{"text":"Okay.","start":609.98,"end":610.48,"sentiment":"neutral","sentiment_score":-0.0010224003344774246},{"text":"I won't be sick.","start":610.7,"end":611.92,"sentiment":"neutral","sentiment_score":-0.18793373182415962},{"text":"I live in New South Wales myself, so I'm used to the New South Wales time.","start":613.42,"end":617.02,"sentiment":"neutral","sentiment_score":-0.08383787609636784},{"text":"And then when I look at the Queensland calendar, it it slowly hurts my brain.","start":617.02,"end":622.03503,"sentiment":"negative","sentiment_score":-0.547226682305336},{"text":"Sopping back and forth.","start":624.735,"end":626.115,"sentiment":"negative","sentiment_score":-0.6190346479415894}],"sentiment":"neutral","sentiment_score":-0.31946755428798496,"num_words":40,"start":609.98,"end":626.115},{"sentences":[{"text":"So if I looked at what about five on that Thursday?","start":626.175,"end":629.47504,"sentiment":"neutral","sentiment_score":-0.1768099069595337},{"text":"Would that be okay?","start":629.695,"end":630.755,"sentiment":"neutral","sentiment_score":-0.12641960009932518},{"text":"Yeah.","start":633.775,"end":634.175,"sentiment":"neutral","sentiment_score":0.11868032813072205},{"text":"Because I've got a four Queensland time, so that would work.","start":634.175,"end":637.99,"sentiment":"neutral","sentiment_score":0.18103455955331976},{"text":"It wouldn't take it won't take very long, to be honest with you, to run through that.","start":638.93,"end":644.07,"sentiment":"neutral","sentiment_score":0.09197405243621153}],"sentiment":"neutral","sentiment_score":0.02779618176546964,"num_words":44,"start":626.175,"end":644.07},{"sentences":[{"text":"I do just need to book that in.","start":644.77,"end":646.85004,"sentiment":"neutral","sentiment_score":0.21509108133614063},{"text":"So I'm gonna and if there's a possibility for me to bring that forward for you and it's ready sooner, did you want me to phone you?","start":646.85004,"end":655.625,"sentiment":"neutral","sentiment_score":0.19272501890858015},{"text":"Yeah.","start":658.805,"end":659.305,"sentiment":"neutral","sentiment_score":0.2351970374584198},{"text":"Yeah.","start":659.605,"end":659.925,"sentiment":"positive","sentiment_score":0.3501662611961365},{"text":"I can do that.","start":659.925,"end":660.985,"sentiment":"positive","sentiment_score":0.38964586704969406}],"sentiment":"neutral","sentiment_score":0.22117685190424685,"num_words":41,"start":644.77,"end":660.985},{"sentences":[{"text":"Yep.","start":661.365,"end":661.865,"sentiment":"neutral","sentiment_score":0.2759706676006317},{"text":"Alright.","start":663.125,"end":663.625,"sentiment":"positive","sentiment_score":0.49876946210861206},{"text":"I will get working on that.","start":664.11,"end":667.71,"sentiment":"positive","sentiment_score":0.5838894148667654},{"text":"I'll share that with the team this afternoon, and I'll get a move on that for you and try and bring it forward if I can.","start":667.71,"end":675.65,"sentiment":"positive","sentiment_score":0.5221088047210987},{"text":"Okay.","start":677.55,"end":678.015,"sentiment":"neutral","sentiment_score":0.06120144948363304}],"sentiment":"positive","sentiment_score":0.5118316283183438,"num_words":35,"start":661.365,"end":678.015},{"sentences":[{"text":"Do you yep.","start":678.175,"end":679.955,"sentiment":"neutral","sentiment_score":0.022975935290257137},{"text":"I was just about to ask.","start":680.735,"end":681.85504,"sentiment":"neutral","sentiment_score":0.016434272130330402},{"text":"Do you have any questions for me?","start":681.85504,"end":683.715,"sentiment":"neutral","sentiment_score":0.01414875207202775},{"text":"Yep.","start":684.41504,"end":684.91504,"sentiment":"neutral","sentiment_score":0.07264585793018341},{"text":"Depending on your 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accounts.","start":723.33,"end":727.08997,"sentiment":"neutral","sentiment_score":0.022517707464950427}],"sentiment":"neutral","sentiment_score":-0.03914123155797521,"num_words":60,"start":696.25,"end":727.08997},{"sentences":[{"text":"You'll have one with hub that's a super fund and one with hub that is a transition to retirement account.","start":727.08997,"end":734.95,"sentiment":"neutral","sentiment_score":0.052885856665670875},{"text":"So there's gonna be a double up of admin fees that you charge with hub that you're charged through hub, but I'm gonna break that all down for you in the advice document.","start":735.795,"end":746.935,"sentiment":"neutral","sentiment_score":-0.07396483060085413},{"text":"So it's all gonna be there for you're unable to okay.","start":748.835,"end":760.04,"sentiment":"neutral","sentiment_score":-0.23591873320666226},{"text":"So your preservation age means that you're able to access if you via a lump sum, if you have fully retired and do not intend to work return to the workforce.","start":760.04,"end":773.765,"sentiment":"neutral","sentiment_score":-0.15223258349203295},{"text":"So because you are still employed and working, you're unable to access it as a lump sum.","start":774.22504,"end":780.71,"sentiment":"neutral","sentiment_score":-0.23532435473273783}],"sentiment":"neutral","sentiment_score":-0.1133745755401573,"num_words":112,"start":727.08997,"end":780.71},{"sentences":[{"text":"The only way you can do so is through a transition to retirement strategy.","start":780.71,"end":785.37,"sentiment":"neutral","sentiment_score":-0.020578852987715175},{"text":"From the age of 65, there are no you can still be working, and there are no limitations on how you access it.","start":786.95,"end":796.265,"sentiment":"neutral","sentiment_score":0.07763639837503433},{"text":"So if you're 65, you could most certainly access it as a lump sum.","start":796.265,"end":802.045,"sentiment":"neutral","sentiment_score":0.12879818864166737},{"text":"But because you're 60, the rules of retirement apply until you reach the age of 65.","start":802.825,"end":810.93,"sentiment":"neutral","sentiment_score":-0.004833102342672646},{"text":"Yeah.","start":812.23,"end":812.73,"sentiment":"neutral","sentiment_score":0.001820068806409836}],"sentiment":"neutral","sentiment_score":0.04742938666330541,"num_words":68,"start":780.71,"end":812.73},{"sentences":[{"text":"Yeah.","start":815.91,"end":816.31,"sentiment":"neutral","sentiment_score":-0.009407460689544678},{"text":"Well, I can have it will be paid as a lump sum to you.","start":816.31,"end":819.99,"sentiment":"neutral","sentiment_score":0.07642651748444353},{"text":"It's just through a transition to retirement strategy.","start":819.99,"end":823.03503,"sentiment":"neutral","sentiment_score":0.08573460718616843},{"text":"It's it's not it's not necessarily sorry?","start":824.695,"end":828.55505,"sentiment":"neutral","sentiment_score":-0.10496369376778603},{"text":"Unfortunately, the fees yeah.","start":831.895,"end":833.7,"sentiment":"negative","sentiment_score":-0.3640231788158417}],"sentiment":"neutral","sentiment_score":-0.01307052735458402,"num_words":34,"start":815.91,"end":833.7},{"sentences":[{"text":"So what I'm gonna do is and that's part of the whole advice document process is to make sure that you understand all of the information.","start":833.78,"end":842.12,"sentiment":"neutral","sentiment_score":0.007579005108429835},{"text":"There's no there's no point me sitting here today saying it's gonna be x y zed because I I don't know.","start":843.22003,"end":851.445,"sentiment":"negative","sentiment_score":-0.4736800165403457},{"text":"I haven't gone and done the research yet.","start":851.445,"end":853.385,"sentiment":"negative","sentiment_score":-0.4275735020637512},{"text":"I would rather conduct the research so I can actually give you correct and accurate information than give you a ballpark figure, figure, and it'd be completely inaccurate.","start":853.845,"end":862.98004,"sentiment":"neutral","sentiment_score":-0.1929739915898868},{"text":"Yeah.","start":865.84,"end":866.34,"sentiment":"neutral","sentiment_score":-0.04024157673120499}],"sentiment":"neutral","sentiment_score":-0.22159913776531107,"num_words":84,"start":833.78,"end":866.34},{"sentences":[{"text":"So I can definitely go away and start working on that.","start":866.96,"end":869.62,"sentiment":"neutral","sentiment_score":-0.06668431244113228},{"text":"And, yeah, if I can bring that forward in any way possible, I will do so.","start":869.84,"end":878.795,"sentiment":"positive","sentiment_score":0.3910489920526743},{"text":"Alright.","start":878.795,"end":879.275,"sentiment":"positive","sentiment_score":0.4907069206237793},{"text":"Well, thanks for your time, Peter, and I look forward to talking to you again soon.","start":879.275,"end":883.055,"sentiment":"positive","sentiment_score":0.7875238507986069},{"text":"Thank you.","start":884.875,"end":885.59503,"sentiment":"positive","sentiment_score":0.7041029930114746}],"sentiment":"positive","sentiment_score":0.43527284685684287,"num_words":46,"start":866.96,"end":885.59503},{"sentences":[{"text":"Bye.","start":885.59503,"end":886.09503,"sentiment":"positive","sentiment_score":0.413430392742157}],"sentiment":"positive","sentiment_score":0.413430392742157,"num_words":1,"start":885.59503,"end":886.09503}]}}]},{"alternatives":[{"transcript":"Hello? Yeah. There you go. Thank you. Yep. Yes. Plato Clark. 06/01/0966. That's 9 Brisbane Street. Yeah. Yeah. Well, I'm I was talking to Veronica. She said we can get 10% of our soup up without tax. Is that correct? Mhmm. Well, it's well, that's in the air now. I'm only 60 now, but I wanna put some money into my my investment house so that it's making a bit of money. So I was looking to get that money out to for the investment more than retirement at the moment. Two 100. Sometimes 3 100. It just depends on who's in there. The weights. Mhmm. Yep. Well, that could be up to anything up to $400. I just need the house needs the house needs to be not a hell of a lot, but I don't know. $23 would bring it up to scrap with, you know, $2,025,000 would bring up to where it should be to rent the maximum rent. Yeah. Well, the truck driver is not there no more. So it's not done. Cancel whatever. Yes. Hard to tell exactly, but it's probably around between 65 to 70. Yeah. Because I get paid higher duties and stuff depending on what what I'm actually doing. So $6.05, I suppose. Yeah. That'll be one more time as much. Mhmm. Well, yeah. Probably, but yeah. Okay. Well, remember my name is that, please? Yeah. It's on under that, but it's but it's up up there because we did buy we borrow under a car. So, yeah, it's probably around similar to that, I suppose. Yeah. No. I won't be banking any extra contributions. Yeah. I'm out. Mhmm. Yeah. Yeah. Yes. Yes. Yeah. But then that didn't they go this was gonna take quite so long as well? Oh, almost in the afternoon. Yeah. 03:34. Yeah. So it's Thursday, October 15. What time did you say? Yep. Well, four thirty is fine too. With me. Yeah. Yeah. Yes. It was like, again, Yep. Mhmm. I have couple couple of questions. Yeah. Yeah. Well, as I Veronica said, that's tax free. I can get this money. Correct. Yeah. I know. And what other charges would there be besides what the tax thing was? Would I have any other charge? So if I just the performance taking out along some boys, they're gonna be it. Okay. Okay. It's a little bit different the way I understood it, but yeah. That's it. Yeah. Yeah. Just a and then help me and then help me take more money out of me. Yep. Okay. Bye. Thank you. 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Yeah. There you go. Thank you. Yep.\n\nYes. Plato Clark. 06/01/0966. That's 9 Brisbane Street. Yeah.\n\nYeah. Well, I'm I was talking to Veronica. She said we can get 10% of our soup up without tax. Is that correct? Mhmm.\n\nWell, it's well, that's in the air now. I'm only 60 now, but I wanna put some money into my my investment house so that it's making a bit of money. So I was looking to get that money out to for the investment more than retirement at the moment. Two 100. Sometimes 3 100.\n\nIt just depends on who's in there. The weights. Mhmm. Yep. Well, that could be up to anything up to $400.\n\nI just need the house needs the house needs to be not a hell of a lot, but I don't know. $23 would bring it up to scrap with, you know, $2,025,000 would bring up to where it should be to rent the maximum rent. Yeah. Well, the truck driver is not there no more. So it's not done.\n\nCancel whatever. Yes. Hard to tell exactly, but it's probably around between 65 to 70. Yeah. Because I get paid higher duties and stuff depending on what what I'm actually doing.\n\nSo $6.05, I suppose. Yeah. That'll be one more time as much. Mhmm. Well, yeah.\n\nProbably, but yeah. Okay. Well, remember my name is that, please? Yeah. It's on under that, but it's but it's up up there because we did buy we borrow under a car.\n\nSo, yeah, it's probably around similar to that, I suppose. Yeah. No. I won't be banking any extra contributions. Yeah.\n\nI'm out. Mhmm. Yeah. Yeah. Yes.\n\nYes. Yeah. But then that didn't they go this was gonna take quite so long as well? Oh, almost in the afternoon. Yeah.\n\n03:34. Yeah. So it's Thursday, October 15. What time did you say? Yep.\n\nWell, four thirty is fine too. With me. Yeah. Yeah. Yes.\n\nIt was like, again, Yep. Mhmm. I have couple couple of questions. Yeah. Yeah.\n\nWell, as I Veronica said, that's tax free. I can get this money. Correct. Yeah. I know.\n\nAnd what other charges would there be besides what the tax thing was? Would I have any other charge? So if I just the performance taking out along some boys, they're gonna be it. Okay. Okay.\n\nIt's a little bit different the way I understood it, but yeah. That's it. Yeah. Yeah. Just a and then help me and then help me take more money out of me.\n\nYep. Okay. Bye. Thank you. 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correct?","start":69.94,"end":71.08,"sentiment":"neutral","sentiment_score":0.04461893066763878},{"text":"Mhmm.","start":97.08,"end":97.58,"sentiment":"neutral","sentiment_score":0.007689159363508224}],"sentiment":"neutral","sentiment_score":0.04077365272678435,"num_words":24,"start":59.460003,"end":97.58},{"sentences":[{"text":"Well, it's well, that's in the air now.","start":108.765,"end":112.920006,"sentiment":"neutral","sentiment_score":0.014946767129004002},{"text":"I'm only 60 now, but I wanna put some money into my my investment house so that it's making a bit of money.","start":112.920006,"end":123.64,"sentiment":"neutral","sentiment_score":0.009239452769574911},{"text":"So I was looking to get that money out to for the investment more than retirement at the moment.","start":123.64,"end":136.075,"sentiment":"neutral","sentiment_score":0.008060613353001444},{"text":"Two 100.","start":138.935,"end":142.795,"sentiment":"neutral","sentiment_score":0.003683422692120076},{"text":"Sometimes 3 100.","start":143.175,"end":143.95001,"sentiment":"neutral","sentiment_score":0.0023733321577310566}],"sentiment":"neutral","sentiment_score":0.00908581902357665,"num_words":55,"start":108.765,"end":143.95001},{"sentences":[{"text":"It just depends on who's in there.","start":143.95001,"end":146.91,"sentiment":"neutral","sentiment_score":-0.000257957460624831},{"text":"The weights.","start":146.91,"end":147.65001,"sentiment":"neutral","sentiment_score":-0.0024163614289136603},{"text":"Mhmm.","start":148.03,"end":148.53,"sentiment":"neutral","sentiment_score":0.0004601837135851383},{"text":"Yep.","start":152.91,"end":153.41,"sentiment":"neutral","sentiment_score":0.07632185518741608},{"text":"Well, that could be up to anything up to $400.","start":160.905,"end":163.80501,"sentiment":"neutral","sentiment_score":0.06094586253166199}],"sentiment":"neutral","sentiment_score":0.03236201138740095,"num_words":21,"start":143.95001,"end":163.80501},{"sentences":[{"text":"I just need the house needs the house needs to be not a hell of a lot, but I don't know.","start":166.505,"end":173.76,"sentiment":"neutral","sentiment_score":-0.061387931484551655},{"text":"$23 would bring it up to scrap with, you know, $2,025,000 would bring up to where it should be to rent the maximum rent.","start":173.76,"end":182.98,"sentiment":"neutral","sentiment_score":-0.020417098343993228},{"text":"Yeah.","start":197.405,"end":197.72499,"sentiment":"neutral","sentiment_score":-0.032479606568813324},{"text":"Well, the truck driver is not there no more.","start":197.72499,"end":200.14499,"sentiment":"neutral","sentiment_score":-0.20926128658983442},{"text":"So it's not done.","start":200.605,"end":201.50499,"sentiment":"neutral","sentiment_score":-0.18405696377158165}],"sentiment":"neutral","sentiment_score":-0.07510535529483173,"num_words":59,"start":166.505,"end":201.50499},{"sentences":[{"text":"Cancel whatever.","start":202.22,"end":203.18001,"sentiment":"neutral","sentiment_score":-0.2318403199315071},{"text":"Yes.","start":203.18001,"end":203.68001,"sentiment":"neutral","sentiment_score":-0.0886882022023201},{"text":"Hard to tell exactly, but it's probably around between 65 to 70.","start":218.64499,"end":225.14499,"sentiment":"neutral","sentiment_score":-0.09065140535434087},{"text":"Yeah.","start":227.765,"end":228.00499,"sentiment":"neutral","sentiment_score":-0.01550310105085373},{"text":"Because I get paid higher duties and stuff depending on what what I'm actually doing.","start":228.00499,"end":232.7,"sentiment":"neutral","sentiment_score":-0.040833089997371036}],"sentiment":"neutral","sentiment_score":-0.07316726313964013,"num_words":31,"start":202.22,"end":232.7},{"sentences":[{"text":"So $6.05, I suppose.","start":235.16,"end":240.46,"sentiment":"neutral","sentiment_score":0.020792109426110983},{"text":"Yeah.","start":250.425,"end":250.66501,"sentiment":"neutral","sentiment_score":0.007549181580543518},{"text":"That'll be one more time as much.","start":250.66501,"end":252.685,"sentiment":"neutral","sentiment_score":-0.008043555276734489},{"text":"Mhmm.","start":267.91998,"end":268.41998,"sentiment":"neutral","sentiment_score":0.04392427951097488},{"text":"Well, yeah.","start":272.32,"end":272.8,"sentiment":"neutral","sentiment_score":0.016599604859948158}],"sentiment":"neutral","sentiment_score":0.0074357481052478155,"num_words":15,"start":235.16,"end":272.8},{"sentences":[{"text":"Probably, but yeah.","start":272.8,"end":273.615,"sentiment":"neutral","sentiment_score":0.008342214758158661},{"text":"Okay.","start":293.74002,"end":294.06003,"sentiment":"neutral","sentiment_score":0.033523306250572205},{"text":"Well, remember my name is that, please?","start":294.06003,"end":295.6,"sentiment":"neutral","sentiment_score":0.026311643155557767},{"text":"Yeah.","start":299.18002,"end":299.58002,"sentiment":"neutral","sentiment_score":0.02484557405114174},{"text":"It's on under that, but it's but it's up up there because we did buy we borrow under a car.","start":299.58002,"end":305.315,"sentiment":"neutral","sentiment_score":0.12429866502061486}],"sentiment":"neutral","sentiment_score":0.08604844772116849,"num_words":32,"start":272.8,"end":305.315},{"sentences":[{"text":"So, yeah, it's probably around similar to that, I suppose.","start":305.315,"end":309.345,"sentiment":"neutral","sentiment_score":0.13155350014567374},{"text":"Yeah.","start":317.25,"end":317.75,"sentiment":"neutral","sentiment_score":0.17623183131217957},{"text":"No.","start":341.81,"end":342.13,"sentiment":"neutral","sentiment_score":-0.28580647706985474},{"text":"I won't be banking any extra contributions.","start":342.13,"end":343.99002,"sentiment":"negative","sentiment_score":-0.3730635643005371},{"text":"Yeah.","start":399.02,"end":399.26,"sentiment":"neutral","sentiment_score":0.11311816424131392}],"sentiment":"neutral","sentiment_score":-0.06461832150816918,"num_words":20,"start":305.315,"end":399.26},{"sentences":[{"text":"I'm out.","start":399.26,"end":399.92,"sentiment":"neutral","sentiment_score":0.07351965643465519},{"text":"Mhmm.","start":422.325,"end":422.825,"sentiment":"neutral","sentiment_score":0.03611186891794205},{"text":"Yeah.","start":435.43002,"end":435.93002,"sentiment":"neutral","sentiment_score":0.0692249983549118},{"text":"Yeah.","start":436.15002,"end":436.65002,"sentiment":"neutral","sentiment_score":0.07990430295467377},{"text":"Yes.","start":439.515,"end":440.015,"sentiment":"neutral","sentiment_score":0.04436358064413071}],"sentiment":"neutral","sentiment_score":0.06277401062349479,"num_words":6,"start":399.26,"end":440.015},{"sentences":[{"text":"Yes.","start":442.95502,"end":443.45502,"sentiment":"neutral","sentiment_score":0.06116139888763428},{"text":"Yeah.","start":493.25998,"end":493.58,"sentiment":"neutral","sentiment_score":0.11482757329940796},{"text":"But then that didn't they go this was gonna take quite so long as well?","start":493.58,"end":509.1025,"sentiment":"neutral","sentiment_score":-0.07823699600994587},{"text":"Oh, almost in the afternoon.","start":551.54504,"end":553.48505,"sentiment":"neutral","sentiment_score":0.018963322043418884},{"text":"Yeah.","start":556.66504,"end":557.16504,"sentiment":"neutral","sentiment_score":0.003110460937023163}],"sentiment":"neutral","sentiment_score":-0.039114734643827316,"num_words":23,"start":442.95502,"end":557.16504},{"sentences":[{"text":"03:34.","start":557.305,"end":558.10504,"sentiment":"neutral","sentiment_score":0.003721812041476369},{"text":"Yeah.","start":558.10504,"end":558.60504,"sentiment":"neutral","sentiment_score":0.013016722165048122},{"text":"So it's Thursday, October 15.","start":575.865,"end":580.765,"sentiment":"neutral","sentiment_score":0.014301048032939434},{"text":"What time did you say?","start":583.78503,"end":585.005,"sentiment":"neutral","sentiment_score":-0.003258041851222515},{"text":"Yep.","start":588.66504,"end":589.16504,"sentiment":"neutral","sentiment_score":0.0022278218530118465}],"sentiment":"neutral","sentiment_score":0.005706260536009302,"num_words":13,"start":557.305,"end":589.16504},{"sentences":[{"text":"Well, four thirty is fine too.","start":605.195,"end":608.41504,"sentiment":"neutral","sentiment_score":0.039146753338476024},{"text":"With me.","start":608.47504,"end":609.215,"sentiment":"neutral","sentiment_score":0.004240465350449085},{"text":"Yeah.","start":632.605,"end":633.08496,"sentiment":"neutral","sentiment_score":0.04362863302230835},{"text":"Yeah.","start":633.08496,"end":633.58496,"sentiment":"neutral","sentiment_score":0.08500976860523224},{"text":"Yes.","start":657.07,"end":657.47003,"sentiment":"neutral","sentiment_score":0.1299847662448883}],"sentiment":"neutral","sentiment_score":0.045634965327653015,"num_words":11,"start":605.195,"end":657.47003},{"sentences":[{"text":"It was like, again, Yep.","start":657.47003,"end":662.185,"sentiment":"neutral","sentiment_score":0.10987714603543282},{"text":"Mhmm.","start":676.32996,"end":676.82996,"sentiment":"neutral","sentiment_score":0.04674115777015686},{"text":"I have couple couple of questions.","start":677.85,"end":680.11,"sentiment":"neutral","sentiment_score":0.025379164144396782},{"text":"Yeah.","start":683.13,"end":683.625,"sentiment":"neutral","sentiment_score":0.023954173550009727},{"text":"Yeah.","start":684.025,"end":684.345,"sentiment":"neutral","sentiment_score":0.05191635340452194}],"sentiment":"neutral","sentiment_score":0.05887659998344524,"num_words":14,"start":657.47003,"end":684.345},{"sentences":[{"text":"Well, as I Veronica said, that's tax free.","start":684.345,"end":688.285,"sentiment":"neutral","sentiment_score":0.08736046170815825},{"text":"I can get this money.","start":689.225,"end":690.445,"sentiment":"neutral","sentiment_score":0.20301846861839296},{"text":"Correct.","start":691.385,"end":691.885,"sentiment":"neutral","sentiment_score":0.1266021430492401},{"text":"Yeah.","start":711.92,"end":712.16,"sentiment":"neutral","sentiment_score":-0.04306082800030708},{"text":"I know.","start":712.16,"end":712.81995,"sentiment":"neutral","sentiment_score":-0.055989326909184456}],"sentiment":"neutral","sentiment_score":0.09914933517575264,"num_words":17,"start":684.345,"end":712.81995},{"sentences":[{"text":"And what other charges would there be besides what the tax thing was?","start":713.83997,"end":719.115,"sentiment":"neutral","sentiment_score":-0.07321406872226642},{"text":"Would I have any other charge?","start":720.695,"end":722.235,"sentiment":"neutral","sentiment_score":-0.05816554961105188},{"text":"So if I just the performance taking out along some boys, they're gonna be it.","start":748.305,"end":755.845,"sentiment":"neutral","sentiment_score":-0.2505468249320984},{"text":"Okay.","start":786.83,"end":787.33,"sentiment":"neutral","sentiment_score":0.07911553233861923},{"text":"Okay.","start":810.725,"end":811.225,"sentiment":"neutral","sentiment_score":0.010983560234308245}],"sentiment":"neutral","sentiment_score":-0.13802442979067564,"num_words":36,"start":713.83997,"end":811.225},{"sentences":[{"text":"It's a little bit different the way I understood it, but yeah.","start":812.82996,"end":816.57794,"sentiment":"neutral","sentiment_score":-0.0734147682475547},{"text":"That's it.","start":816.58997,"end":817.32996,"sentiment":"neutral","sentiment_score":0.07341066189110279},{"text":"Yeah.","start":823.70996,"end":824.20996,"sentiment":"neutral","sentiment_score":-0.003247436136007309},{"text":"Yeah.","start":824.58997,"end":825.08997,"sentiment":"neutral","sentiment_score":-0.024981552734971046},{"text":"Just a and then help me and then help me take more money out of me.","start":826.55505,"end":831.05505,"sentiment":"neutral","sentiment_score":-0.25570419803261757}],"sentiment":"neutral","sentiment_score":-0.15167662664316595,"num_words":32,"start":812.82996,"end":831.05505},{"sentences":[{"text":"Yep.","start":853.885,"end":854.385,"sentiment":"neutral","sentiment_score":-0.14562588930130005},{"text":"Okay.","start":883.4869,"end":883.8069,"sentiment":"positive","sentiment_score":0.39620786905288696},{"text":"Bye.","start":883.8069,"end":883.96686,"sentiment":"positive","sentiment_score":0.3848993182182312},{"text":"Thank you.","start":883.96686,"end":884.70685,"sentiment":"positive","sentiment_score":0.7250537574291229},{"text":"Bye.","start":886.28687,"end":886.78687,"sentiment":"neutral","sentiment_score":-0.1237506866455078}],"sentiment":"neutral","sentiment_score":0.326973021030426,"num_words":6,"start":853.885,"end":886.78687}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi. Is this Peter?\n\nChannel 1: Yeah.\n\nChannel 0: Peter, this is Jenna phoning from Oakview Financial. How are you today?\n\nChannel 1: There you go. Thank you.\n\nChannel 0: That's good. Just before I go any further, Peter, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay?\n\nChannel 1: Yep.\n\nChannel 0: Yep. And, Peter, can I please ask you to let me start again? Can I please ask you to give me your full name, date of birth, and address, please?\n\nChannel 1: Yes. Plato Clark. 06/01/0966. That's 9 Brisbane Street.\n\nChannel 0: Yep. Lovely. Thank you for that, Peter. I appreciate that. I'm giving you a call today.\n\nYou have an advice discussion booked in. It I've been given a brief update that you're looking at setting up a pension account as you're ready to retire.\n\nChannel 1: Yeah. Yeah. Well, I'm I was talking to Veronica. She said we can get 10% of our soup up without tax. Is that\n\nChannel 0: Yep.\n\nChannel 1: correct?\n\nChannel 0: Yeah. So a transition to retirement pension. That's correct. So I think probably first, just so I can understand exactly your situation that I have all the information available to make a recommendation. Just wanna focus on a couple of key areas that I need to confirm.\n\nIs that okay?\n\nChannel 1: Mhmm.\n\nChannel 0: Yep. So with retirement, are you looking at full retirement or part retirement when you say you're getting ready to retire?\n\nChannel 1: Well, it's well, that's in the air now. I'm only 60 now, but I wanna put some money into my my investment house so that it's making a bit of money. So I was looking to get that money out to for the investment more than retirement at\n\nChannel 0: Okay. Alright.\n\nChannel 1: the\n\nChannel 0: And I've got that investment property\n\nChannel 1: moment.\n\nChannel 0: valued at $1.50 150,000. How\n\nChannel 1: Two\n\nChannel 0: much rent is it currently producing\n\nChannel 1: 100. Sometimes 3\n\nChannel 0: for\n\nChannel 1: 100. It just depends on who's in there. The weights.\n\nChannel 0: you? On on\n\nChannel 1: Mhmm.\n\nChannel 0: average? Yep. So that would be on average per week?\n\nChannel 1: Yep.\n\nChannel 0: Yep. And by putting the money in, how much you're hoping to increase that by?\n\nChannel 1: Well, that could be up to anything up to $400.\n\nChannel 0: Yep. Okay.\n\nChannel 1: I just need\n\nChannel 0: And is\n\nChannel 1: the house\n\nChannel 0: that\n\nChannel 1: needs the house needs to be not a hell of a lot, but I don't know. $23 would bring it up to scrap with,\n\nChannel 0: okay.\n\nChannel 1: you know, $2,025,000 would bring up to where it should be to rent the maximum rent.\n\nChannel 0: Okay. Alright. And you're still working as a council laborer and a truck driver on the weekend. Is that correct?\n\nChannel 1: Yeah. Well, the truck driver is not there no more.\n\nChannel 0: It's\n\nChannel 1: So it's\n\nChannel 0: not?\n\nChannel 1: not done.\n\nChannel 0: Okay.\n\nChannel 1: Cancel whatever. Yes.\n\nChannel 0: Okay. So taking that into consideration, what does your income drop to? Because we had it at 81,000 for both those roles. What's the council income alone?\n\nChannel 1: Hard to tell exactly, but it's probably around between 65 to 70.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Because I get paid higher duties and stuff depending on what what I'm actually doing.\n\nChannel 0: Okay. So would\n\nChannel 1: So\n\nChannel 0: you be comfortable saying 70 or 65?\n\nChannel 1: $6.05,\n\nChannel 0: Yes.\n\nChannel 1: I suppose.\n\nChannel 0: 65. Yep. Okay. And I've got your weekly expenditure at about $1,500 a week. Is that still correct?\n\nChannel 1: Yeah. That'll be one more time as much.\n\nChannel 0: Yep. Alright. Fantastic. What I wanted to just check off with is that your your your full retirement, you looked at age 65 with a thousand dollars per week for income when you fully\n\nChannel 1: Mhmm.\n\nChannel 0: retire. Is that still what you're looking at\n\nChannel 1: Well, yeah. Probably,\n\nChannel 0: when you\n\nChannel 1: but\n\nChannel 0: retire\n\nChannel 1: yeah.\n\nChannel 0: completely? Yeah? Okay. That's alright. So with and the the goal that was linked to that was being debt free on your home as or as close to as possible as debt free on your home.\n\nWhat's your mortgage\n\nChannel 1: Okay. Well, remember my name\n\nChannel 0: sitting\n\nChannel 1: is that, please?\n\nChannel 0: at now? We did have 209,000.\n\nChannel 1: Yeah. It's on under that, but it's but it's up up there because we did buy we borrow under a car. So, yeah, it's probably around similar to that, I suppose.\n\nChannel 0: Okay. Alright. And the goal of being debt free or as close to that still applies?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Okay. Now when we look at a transition to retirement strategy, one of the benefits is is the tax effectiveness of it. Are you looking at at making additional contributions to super through sacrifice and topping up with the transition to retirement pension, or are you wanting to just access the funds?\n\nChannel 1: No. I won't be banking any extra contributions.\n\nChannel 0: Yep. Yep. Okay. That's okay. I've just gotta ask the questions just to understand completely what what it is that you're wanting to achieve.\n\nThat's all. Okay. Alright. So we've you invested at the moment as a balanced growth investor. What that means is that, typically, there's about 70% of your assets, which Veronica has probably been through with you previously, invested in growth assets and about 30% in your defensive assets.\n\nYour defensive assets being the ones that produce income for you and your growth assets being shares, for example, that produce the growth and also income through dividend exposure. So the are you comfortable maintaining that balanced growth approach\n\nChannel 1: Yeah. I'm\n\nChannel 0: that\n\nChannel 1: out.\n\nChannel 0: you did? Yep. Yep. Okay. Alright.\n\nJust bear with me one second. I'm going to just run over a few things just so the maximum you can access is 10% as Veronica's probably mentioned in the past.\n\nChannel 1: Mhmm.\n\nChannel 0: So I'm going to jump into your super account so we can have a look at that. And you're are you wanting to access the minimum, the 10%?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep. Did you want that in a lump payment lump\n\nChannel 1: Yes.\n\nChannel 0: sum payment or a weekly amount?\n\nChannel 1: Yes.\n\nChannel 0: Lump sum. Okay. Alright. Beautiful. I'm just making some notes as we go.\n\nBecause what I'll need to do from here, Peter, is I do need to just go away and build what's called a statement of advice, which you would have received in the past. It's a document that contains the advice that you're seeking. So in this instance, it will be establishing a transition to retirement pension. I am happy to go do that. And what we can do is book that in for a presentation appointment, if you like, in a couple of weeks' time.\n\nDoes that work for you, Peter?\n\nChannel 1: Yeah. But\n\nChannel 0: Yeah.\n\nChannel 1: then that\n\nChannel 0: Yep.\n\nChannel 1: didn't they go this was\n\nChannel 0: Sir.\n\nChannel 1: gonna take\n\nChannel 0: Yeah. Unfortunately,\n\nChannel 1: quite\n\nChannel 0: because it's advice,\n\nChannel 1: so\n\nChannel 0: we need to make sure that\n\nChannel 1: long\n\nChannel 0: the proper due diligence and processes\n\nChannel 1: as\n\nChannel 0: are followed. So being licensed by,\n\nChannel 1: well?\n\nChannel 0: ASIC, we have to produce an advice document which clearly outlines to the client the risks and benefits of it so that you're able to actually make an informed decision. So my my duty is to make sure that you have all that information to do so. And it's I'm look I'm just looking at the current weeks. You are in is it New South Wales? So daylight savings time will apply.\n\nSo I'm just trying to wrap my head around that at the moment. If we look at what day of the week works best for\n\nChannel 1: Oh, almost in the afternoon.\n\nChannel 0: you? Afternoon around the same time, 03:30?\n\nChannel 1: Yeah. 03:34.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. 03:34. So that would be 03:30 New South Wales time. 04:30. I could do Thursday the fifteenth at 04:30 New South Wales time.\n\nChannel 1: So it's Thursday, October 15. What time did you say?\n\nChannel 0: Yes. 04:30 New South Wales time. Oh, hold on\n\nChannel 1: Yep.\n\nChannel 0: a second. Let me double check that. 04:30, which is 03:30. Actually, I'd need to make three to four. I'd need to make it the whole\n\nChannel 1: Well,\n\nChannel 0: four,\n\nChannel 1: four\n\nChannel 0: which\n\nChannel 1: thirty is\n\nChannel 0: is\n\nChannel 1: fine\n\nChannel 0: five.\n\nChannel 1: too. With me.\n\nChannel 0: Yeah. Okay. I won't be sick. I live in New South Wales myself, so I'm used to the New South Wales time. And then when I look at the Queensland calendar, it it slowly hurts my brain.\n\nSopping back and forth. So if I looked at what about five on that Thursday? Would that be okay?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah. Because I've got a four Queensland time, so that would work. It wouldn't take it won't take very long, to be honest with you, to run through that. I do just need to book that in. So I'm gonna and if there's a possibility for me to bring that forward for you and it's ready sooner, did you want me to phone you?\n\nChannel 1: Yes. It was like, again,\n\nChannel 0: Yeah. Yeah. I can do that. Yep.\n\nChannel 1: Yep.\n\nChannel 0: Alright. I will get working on that. I'll share that with the team this afternoon, and I'll get a move on that for you and try and bring it forward if I can.\n\nChannel 1: Mhmm.\n\nChannel 0: Okay.\n\nChannel 1: I have\n\nChannel 0: Do\n\nChannel 1: couple\n\nChannel 0: you\n\nChannel 1: couple\n\nChannel 0: yep.\n\nChannel 1: of questions.\n\nChannel 0: I was just about to ask. Do you have any questions for\n\nChannel 1: Yeah.\n\nChannel 0: me?\n\nChannel 1: Yeah. Well,\n\nChannel 0: Yep.\n\nChannel 1: as I Veronica said, that's tax free. I can get this money. Correct.\n\nChannel 0: Depending on your balance. So let me have a look. It depends I if all the funds going in are taxable from your employer, then yes. That will probably be part of the advice document and part of the risks that I'm gonna need to investigate\n\nChannel 1: Yeah.\n\nChannel 0: and\n\nChannel 1: I\n\nChannel 0: dig\n\nChannel 1: know.\n\nChannel 0: further. Yep.\n\nChannel 1: And what other charges would there be besides what the tax thing was? Would I have any other charge?\n\nChannel 0: So you will so what will happen is is you're gonna have two accounts. You'll have one with hub that's a super fund and one with hub that is a transition to retirement account. So there's gonna be a double up of admin fees that you charge with hub that you're charged through hub, but I'm gonna break that all down for you in the advice document.\n\nChannel 1: So\n\nChannel 0: So it's all gonna\n\nChannel 1: if I\n\nChannel 0: be there\n\nChannel 1: just\n\nChannel 0: for\n\nChannel 1: the performance taking out along some boys, they're gonna be it.\n\nChannel 0: you're unable to okay. So your preservation age means that you're able to access if you via a lump sum, if you have fully retired and do not intend to work return to the workforce. So because you are still employed and working, you're unable to access it as a lump sum. The only way you can do so is through a transition to retirement strategy.\n\nChannel 1: Okay.\n\nChannel 0: From the age of 65, there are no you can still be working, and there are no limitations on how you access it. So if you're 65, you could most certainly access it as a lump sum. But because you're 60, the rules of retirement apply until you reach the age of 65.\n\nChannel 1: Okay.\n\nChannel 0: Yeah.\n\nChannel 1: It's a little bit different the way I understood it, but\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: Well,\n\nChannel 1: That's\n\nChannel 0: I can\n\nChannel 1: it.\n\nChannel 0: have it will be paid as a lump sum to you. It's just through a transition to retirement strategy.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: It's it's not it's not necessarily\n\nChannel 1: Just a and then\n\nChannel 0: sorry?\n\nChannel 1: help me and then help me take more money out of me.\n\nChannel 0: Unfortunately, the fees yeah. So what I'm gonna do is and that's part of the whole advice document process is to make sure that you understand all of the information. There's no there's no point me sitting here today saying it's gonna be x y zed because I I don't know. I haven't gone and done the research yet. I\n\nChannel 1: Yep.\n\nChannel 0: would rather conduct the research so I can actually give you correct and accurate information than give you a ballpark figure, figure, and it'd be completely inaccurate. Yeah. So I can definitely go away and start working on that. And, yeah, if I can bring that forward in any way possible, I will do so. Alright.\n\nWell, thanks for your time, Peter, and I look forward to talking to you again soon.\n\nChannel 1: Okay. Bye. Thank you.\n\nChannel 0: Thank you. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":2.6399999,"end":3.1399999,"sentiment":"neutral","sentiment_score":0.016909081488847733}],"sentiment":"neutral","sentiment_score":0.016909081488847733,"channel":1,"num_words":1,"start":2.6399999,"end":3.1399999},{"sentences":[{"text":"Hi.","start":4.0,"end":4.4,"sentiment":"neutral","sentiment_score":0.03858229145407677},{"text":"Is this Peter?","start":4.4,"end":5.2999997,"sentiment":"neutral","sentiment_score":0.029994942868749302}],"sentiment":"neutral","sentiment_score":0.03214178001508117,"channel":0,"num_words":4,"start":4.0,"end":5.2999997},{"sentences":[{"text":"Yeah.","start":6.0,"end":6.5,"sentiment":"neutral","sentiment_score":0.07150513678789139}],"sentiment":"neutral","sentiment_score":0.07150513678789139,"channel":1,"num_words":1,"start":6.0,"end":6.5},{"sentences":[{"text":"Peter, this is Jenna phoning from Oakview 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can","start":816.63,"end":816.87,"sentiment":"neutral","sentiment_score":0.11516116559505463}],"sentiment":"neutral","sentiment_score":0.11516116559505463,"channel":0,"num_words":2,"start":816.63,"end":816.87},{"sentences":[{"text":"it.","start":816.82996,"end":817.32996,"sentiment":"neutral","sentiment_score":0.09229593724012376}],"sentiment":"neutral","sentiment_score":0.09229593724012376,"channel":1,"num_words":1,"start":816.82996,"end":817.32996},{"sentences":[{"text":"have it will be paid as a lump sum to you.","start":816.87,"end":819.99,"sentiment":"neutral","sentiment_score":0.07439992847767743},{"text":"It's just through a transition to retirement strategy.","start":819.99,"end":823.03503,"sentiment":"neutral","sentiment_score":0.08573460718616843}],"sentiment":"neutral","sentiment_score":0.07917242477598943,"channel":0,"num_words":19,"start":816.87,"end":823.03503},{"sentences":[{"text":"Yeah.","start":823.70996,"end":824.20996,"sentiment":"neutral","sentiment_score":-0.003247436136007309},{"text":"Yeah.","start":824.58997,"end":825.08997,"sentiment":"neutral","sentiment_score":-0.024981552734971046}],"sentiment":"neutral","sentiment_score":-0.014114494435489178,"channel":1,"num_words":2,"start":823.70996,"end":825.08997},{"sentences":[{"text":"It's it's not it's not necessarily","start":824.695,"end":826.955,"sentiment":"neutral","sentiment_score":-0.09028724022209644}],"sentiment":"neutral","sentiment_score":-0.09028724022209644,"channel":0,"num_words":6,"start":824.695,"end":826.955},{"sentences":[{"text":"Just a and then","start":826.55505,"end":828.155,"sentiment":"neutral","sentiment_score":-0.14138038828969002}],"sentiment":"neutral","sentiment_score":-0.14138038828969002,"channel":1,"num_words":4,"start":826.55505,"end":828.155},{"sentences":[{"text":"sorry?","start":828.05505,"end":828.55505,"sentiment":"neutral","sentiment_score":-0.19302241504192352}],"sentiment":"neutral","sentiment_score":-0.19302241504192352,"channel":0,"num_words":1,"start":828.05505,"end":828.55505},{"sentences":[{"text":"help me and then help me take more money out of me.","start":828.155,"end":831.05505,"sentiment":"neutral","sentiment_score":-0.2938121346135934}],"sentiment":"neutral","sentiment_score":-0.2938121346135934,"channel":1,"num_words":12,"start":828.155,"end":831.05505},{"sentences":[{"text":"Unfortunately, the fees yeah.","start":831.895,"end":833.7,"sentiment":"negative","sentiment_score":-0.3640231788158417},{"text":"So what I'm gonna do is and that's part of the whole advice document process is to make sure that you understand all of the information.","start":833.78,"end":842.12,"sentiment":"neutral","sentiment_score":0.007579005108429835},{"text":"There's no there's no point me sitting here today saying it's gonna be x y zed because I I don't know.","start":843.22003,"end":851.445,"sentiment":"negative","sentiment_score":-0.4736800165403457},{"text":"I haven't gone and done the research yet.","start":851.445,"end":853.385,"sentiment":"negative","sentiment_score":-0.4275735020637512},{"text":"I","start":853.845,"end":854.005,"sentiment":"neutral","sentiment_score":-0.24160736799240112}],"sentiment":"neutral","sentiment_score":-0.2478085719048977,"channel":0,"num_words":60,"start":831.895,"end":854.005},{"sentences":[{"text":"Yep.","start":853.885,"end":854.385,"sentiment":"neutral","sentiment_score":-0.14562588930130005}],"sentiment":"neutral","sentiment_score":-0.14562588930130005,"channel":1,"num_words":1,"start":853.885,"end":854.385},{"sentences":[{"text":"would rather conduct the research so I can actually give you correct and accurate information than give you a ballpark figure, figure, and it'd be completely inaccurate.","start":854.005,"end":862.98004,"sentiment":"neutral","sentiment_score":-0.1911727554268307},{"text":"Yeah.","start":865.84,"end":866.34,"sentiment":"neutral","sentiment_score":-0.04024157673120499},{"text":"So I can definitely go away and start working on that.","start":866.96,"end":869.62,"sentiment":"neutral","sentiment_score":-0.06668431244113228},{"text":"And, yeah, if I can bring that forward in any way possible, I will do so.","start":869.84,"end":878.795,"sentiment":"positive","sentiment_score":0.3910489920526743},{"text":"Alright.","start":878.795,"end":879.275,"sentiment":"positive","sentiment_score":0.4907069206237793}],"sentiment":"neutral","sentiment_score":0.014501024702829974,"channel":0,"num_words":56,"start":854.005,"end":879.275},{"sentences":[{"text":"Well, thanks for your time, Peter, and I look forward to talking to you again soon.","start":879.275,"end":883.055,"sentiment":"positive","sentiment_score":0.7875238507986069}],"sentiment":"positive","sentiment_score":0.7875238507986069,"channel":0,"num_words":16,"start":879.275,"end":883.055},{"sentences":[{"text":"Okay.","start":883.4869,"end":883.8069,"sentiment":"positive","sentiment_score":0.39620786905288696},{"text":"Bye.","start":883.8069,"end":883.96686,"sentiment":"positive","sentiment_score":0.3848993182182312},{"text":"Thank you.","start":883.96686,"end":884.70685,"sentiment":"positive","sentiment_score":0.7250537574291229}],"sentiment":"positive","sentiment_score":0.557803675532341,"channel":1,"num_words":4,"start":883.4869,"end":884.70685},{"sentences":[{"text":"Thank you.","start":884.875,"end":885.59503,"sentiment":"positive","sentiment_score":0.7041029930114746},{"text":"Bye.","start":885.59503,"end":886.09503,"sentiment":"positive","sentiment_score":0.413430392742157}],"sentiment":"positive","sentiment_score":0.6072121262550354,"channel":0,"num_words":3,"start":884.875,"end":886.09503},{"sentences":[{"text":"Bye.","start":886.28687,"end":886.78687,"sentiment":"neutral","sentiment_score":-0.1237506866455078}],"sentiment":"neutral","sentiment_score":-0.1237506866455078,"channel":1,"num_words":1,"start":886.28687,"end":886.78687}]},"summary":{"result":"success","short":"Representatives from Oakview Financial speak with Peter, a customer with a retirement age of over sixty five and an aggressive mortgage and property plan. They discuss retirement plans and retirement pension plans, emphasizing the importance of accessing retirement funds and proper due diligence. They set up a presentation appointment and emphasize the need for proper due diligence and due diligence for retirement retirement funds. The speakers stress the importance of proper due diligence and due diligence for retirement plans."},"intents":{"segments":[{"text":"I just need And is the house that needs the house needs to be not a hell of a lot, but I don't know. $23 would bring it up to scrap with, okay. you know, $2,025,000 would bring up to where it should be to rent the maximum rent. Okay.","start_word":358,"end_word":407,"intents":[{"intent":"Estimate house needs","confidence_score":0.00063081615}]},{"text":"Now when we look at a transition to retirement strategy, one of the benefits is is the tax effectiveness of it. Are you looking at at making additional contributions to super through sacrifice and topping up with the transition to retirement pension, or are you wanting to just access the funds? No.","start_word":699,"end_word":750,"intents":[{"intent":"Educate about debt benefits","confidence_score":0.004854489}]},{"text":"If we look at what day of the week works best for Oh, almost in the afternoon. you? Afternoon around the same time, 03:30? Yeah. 03:34. Yeah. Yeah. Yeah. 03:34. So that would be 03:30 New South Wales time. 04:30. I could do Thursday the fifteenth at 04:30 New South Wales time. So it's Thursday, October 15. What time did you say? Yes.","start_word":1190,"end_word":1252,"intents":[{"intent":"Confirm schedule","confidence_score":0.009252186}]},{"text":"I do just need to book that in. So I'm gonna and if there's a possibility for me to bring that forward for you and it's ready sooner, did you want me to phone you? Yes.","start_word":1387,"end_word":1422,"intents":[{"intent":"Book appointment","confidence_score":0.28089806}]},{"text":"as I Veronica said, that's tax free. I can get this money. Correct.","start_word":1496,"end_word":1508,"intents":[{"intent":"Clarify invoice details","confidence_score":0.000001272148}]},{"text":"So your preservation age means that you're able to access if you via a lump sum, if you have fully retired and do not intend to work return to the workforce. So because you are still employed and working, you're unable to access it as a lump sum.","start_word":1674,"end_word":1721,"intents":[{"intent":"Access lump sum","confidence_score":0.5788584}]},{"text":"So what I'm gonna do is and that's part of the whole advice document process is to make sure that you understand all of the information.","start_word":1858,"end_word":1883,"intents":[{"intent":"Understand information","confidence_score":0.54588604}]},{"text":"would rather conduct the research so I can actually give you correct and accurate information than give you a ballpark figure, figure, and it'd be completely inaccurate. Yeah.","start_word":1915,"end_word":1942,"intents":[{"intent":"Provide information","confidence_score":0.02444759},{"intent":"Conduct research","confidence_score":0.85332793}]}]},"sentiments":{"segments":[{"text":"Hello? Hi. Is this Peter? Yeah. Peter, this is Jenna phoning from Oakview Financial. How are you today? There you go.","start_word":0,"end_word":20,"sentiment":"neutral","sentiment_score":0.10540376603603364},{"text":"Thank you. That's good.","start_word":21,"end_word":24,"sentiment":"positive","sentiment_score":0.6241360902786255},{"text":"Just before I go any further, Peter, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Yep. Yep. And, Peter, can I please ask you to let me start again? Can I please ask you to give me your full name, date of birth, and address, please? Yes. Plato Clark. 06/01/0966. That's 9 Brisbane Street. Yep.","start_word":25,"end_word":91,"sentiment":"neutral","sentiment_score":0.031105484813451767},{"text":"Lovely. Thank you for that, Peter. I appreciate that. I'm giving you a call today.","start_word":92,"end_word":106,"sentiment":"positive","sentiment_score":0.5099181532859802},{"text":"You have an advice discussion booked in. It I've been given a brief update that you're looking at setting up a pension account as you're ready to retire. Yeah. Yeah. Well, I'm I was talking to Veronica. She said we can get 10% of our soup up without tax. Is that Yep. correct? Yeah. So a transition to retirement pension. That's correct. So I think probably first, just so I can understand exactly your situation that I have all the information available to make a recommendation. Just wanna focus on a couple of key areas that I need to confirm. Is that okay? Mhmm. Yep. So with retirement, are you looking at full retirement or part retirement when you say you're getting ready to retire? Well, it's well, that's in the air now. I'm only 60 now, but I wanna put some money into my my investment house so that it's making a bit of money. So I was looking to get that money out to for the investment more than retirement at Okay. Alright. the And I've got that investment property moment. valued at $1.50 150,000. How much Two rent is it currently producing 100. Sometimes 3 for 100. It just depends on who's in there. The weights. you? On on Mhmm. average? Yep. So that would be on average per week? Yep. Yep. And by putting the money in, how much you're hoping to increase that by? Well, that could be up to anything up to $400. Yep. Okay. I just need And is the house that needs the house needs to be not a hell of a lot, but I don't know. $23 would bring it up to scrap with, okay. you know, $2,025,000 would bring up to where it should be to rent the maximum rent. Okay. Alright. And you're still working as a council laborer and a truck driver on the weekend. Is that correct? Yeah. Well, the truck driver is not there no more. It's So it's not? not done. Okay. Cancel whatever. Yes. Okay. So taking that into consideration, what does your income drop to? Because we had it at 81,000 for both those roles. What's the council income alone? Hard to tell exactly, but it's probably around between 65 to 70. Yeah. Yeah. Because I get paid higher duties and stuff depending on what what I'm actually doing. Okay. So would So you be comfortable saying 70 or 65? $6.05, Yes. I suppose. 65. Yep. Okay. And I've got your weekly expenditure at about $1,500 a week. Is that still correct? Yeah. That'll be one more time as much. Yep. Alright.","start_word":107,"end_word":545,"sentiment":"neutral","sentiment_score":0.016090353378062913},{"text":"Fantastic.","start_word":546,"end_word":546,"sentiment":"positive","sentiment_score":0.49334701895713806},{"text":"What I wanted to just check off with is that your your your full retirement, you looked at age 65 with a thousand dollars per week for income when you fully Mhmm. retire. Is that still what you're looking at Well, yeah. Probably, when you but retire yeah. completely? Yeah? Okay. That's alright. So with and the the goal that was linked to that was being debt free on your home as or as close to as possible as debt free on your home. What's your mortgage Okay. Well, remember my name sitting is that, please? at now? We did have 209,000. Yeah. It's on under that, but it's but it's up up there because we did buy we borrow under a car. So, yeah, it's probably around similar to that, I suppose. Okay. Alright. And the goal of being debt free or as close to that still applies? Yeah. Yep. Okay. Now when we look at a transition to retirement strategy, one of the benefits is is the tax effectiveness of it. Are you looking at at making additional contributions to super through sacrifice and topping up with the transition to retirement pension, or are you wanting to just access the funds? No.","start_word":547,"end_word":750,"sentiment":"neutral","sentiment_score":0.1174771276978301},{"text":"I won't be banking any extra contributions.","start_word":751,"end_word":757,"sentiment":"negative","sentiment_score":-0.35289236903190613},{"text":"Yep. Yep. Okay. That's okay. I've just gotta ask the questions just to understand completely what what it is that you're wanting to achieve. That's all. Okay. Alright. So we've you invested at the moment as a balanced growth investor. What that means is that, typically, there's about 70% of your assets, which Veronica has probably been through with you previously, invested in growth assets and about 30% in your defensive assets. Your defensive assets being the ones that produce income for you and your growth assets being shares, for example, that produce the growth and also income through dividend exposure. So the are you comfortable maintaining that balanced growth approach Yeah. I'm that out. you did? Yep. Yep. Okay. Alright. Just bear with me one second. I'm going to just run over a few things just so the maximum you can access is 10% as Veronica's probably mentioned in the past. Mhmm. So I'm going to jump into your super account so we can have a look at that. And you're are you wanting to access the minimum, the 10%? Yeah. Yeah. Yep. Did you want that in a lump payment lump Yes. sum payment or a weekly amount? Yes. Lump sum. Okay.","start_word":758,"end_word":961,"sentiment":"neutral","sentiment_score":0.1368170827627182},{"text":"Alright. Beautiful. I'm just making some notes as we go.","start_word":962,"end_word":971,"sentiment":"positive","sentiment_score":0.3999983668327331},{"text":"Because what I'll need to do from here, Peter, is I do need to just go away and build what's called a statement of advice, which you would have received in the past. It's a document that contains the advice that you're seeking.","start_word":972,"end_word":1014,"sentiment":"neutral","sentiment_score":0.17499114573001862},{"text":"So in this instance, it will be establishing a transition to retirement pension. I am happy to go do that. And what we can do is book that in for a presentation appointment, if you like, in a couple of weeks' time.","start_word":1015,"end_word":1056,"sentiment":"positive","sentiment_score":0.5390506982803345},{"text":"Does that work for you, Peter? Yeah. But Yeah. then that Yep. didn't they go this was Sir. gonna take Yeah. Unfortunately, quite because it's advice, so we need to make sure that long the proper due diligence and processes as are followed. So being licensed by, well? ASIC, we have to produce an advice document which clearly outlines to the client the risks and benefits of it so that you're able to actually make an informed decision. So my my duty is to make sure that you have all that information to do so. And it's I'm look I'm just looking at the current weeks. You are in is it New South Wales? So daylight savings time will apply. So I'm just trying to wrap my head around that at the moment. If we look at what day of the week works best for Oh, almost in the afternoon. you? Afternoon around the same time, 03:30? Yeah. 03:34. Yeah. Yeah. Yeah. 03:34. So that would be 03:30 New South Wales time. 04:30. I could do Thursday the fifteenth at 04:30 New South Wales time. So it's Thursday, October 15. What time did you say? Yes. 04:30 New South Wales time. Oh, hold on Yep. a second. Let me double check that. 04:30, which is 03:30. Actually, I'd need to make three to four. I'd need to make it the whole Well, four, four which thirty is is fine five. too. With me. Yeah. Okay. I won't be sick. I live in New South Wales myself, so I'm used to the New South Wales time.","start_word":1057,"end_word":1321,"sentiment":"neutral","sentiment_score":-0.00312178609189841},{"text":"And then when I look at the Queensland calendar, it it slowly hurts my brain. Sopping back and forth.","start_word":1322,"end_word":1340,"sentiment":"negative","sentiment_score":-0.5790115594863892},{"text":"So if I looked at what about five on that Thursday? Would that be okay? Yeah. Yeah. Yeah. Because I've got a four Queensland time, so that would work. It wouldn't take it won't take very long, to be honest with you, to run through that. I do just need to book that in. So I'm gonna and if there's a possibility for me to bring that forward for you and it's ready sooner, did you want me to phone you? Yes. It was like, again, Yeah.","start_word":1341,"end_word":1427,"sentiment":"neutral","sentiment_score":0.11251168698072432},{"text":"Yeah. I can do that.","start_word":1428,"end_word":1432,"sentiment":"positive","sentiment_score":0.37695685029029846},{"text":"Yep. Yep.","start_word":1433,"end_word":1434,"sentiment":"neutral","sentiment_score":0.28994429111480713},{"text":"Alright. I will get working on that. I'll share that with the team this afternoon, and I'll get a move on that for you and try and bring it forward if I can.","start_word":1435,"end_word":1467,"sentiment":"positive","sentiment_score":0.527398407459259},{"text":"Mhmm. Okay. I have Do couple you couple yep. of questions. I was just about to ask. Do you have any questions for Yeah. me? Yeah. Well, Yep. as I Veronica said, that's tax free. I can get this money. Correct. Depending on your balance. So let me have a look. It depends I if all the funds going in are taxable from your employer, then yes. That will probably be part of the advice document and part of the risks that I'm gonna need to investigate Yeah. and I dig know. further. Yep. And what other charges would there be besides what the tax thing was? Would I have any other charge? So you will so what will happen is is you're gonna have two accounts. You'll have one with hub that's a super fund and one with hub that is a transition to retirement account. So there's gonna be a double up of admin fees that you charge with hub that you're charged through hub, but I'm gonna break that all down for you in the advice document. So So it's all gonna if I be there just for the performance taking out along some boys, they're gonna be it.","start_word":1468,"end_word":1669,"sentiment":"neutral","sentiment_score":-0.033353032820885725},{"text":"you're unable to okay.","start_word":1670,"end_word":1673,"sentiment":"negative","sentiment_score":-0.3697112202644348},{"text":"So your preservation age means that you're able to access if you via a lump sum, if you have fully retired and do not intend to work return to the workforce. So because you are still employed and working, you're unable to access it as a lump sum. The only way you can do so is through a transition to retirement strategy. Okay. From the age of 65, there are no you can still be working, and there are no limitations on how you access it. So if you're 65, you could most certainly access it as a lump sum. But because you're 60, the rules of retirement apply until you reach the age of 65. Okay. Yeah. It's a little bit different the way I understood it, but Yeah. yeah. Well, That's I can it. have it will be paid as a lump sum to you. It's just through a transition to retirement strategy. Yeah. Yeah. It's it's not it's not necessarily Just a and then sorry? help me and then help me take more money out of me.","start_word":1674,"end_word":1853,"sentiment":"neutral","sentiment_score":-0.04743928834795952},{"text":"Unfortunately, the fees yeah.","start_word":1854,"end_word":1857,"sentiment":"negative","sentiment_score":-0.35814163088798523},{"text":"So what I'm gonna do is and that's part of the whole advice document process is to make sure that you understand all of the information.","start_word":1858,"end_word":1883,"sentiment":"neutral","sentiment_score":-0.005106477066874504},{"text":"There's no there's no point me sitting here today saying it's gonna be x y zed because I I don't know. I haven't gone and done the research yet.","start_word":1884,"end_word":1912,"sentiment":"negative","sentiment_score":-0.45880094170570374},{"text":"I Yep. would rather conduct the research so I can actually give you correct and accurate information than give you a ballpark figure, figure, and it'd be completely inaccurate. Yeah. So I can definitely go away and start working on that.","start_word":1913,"end_word":1953,"sentiment":"neutral","sentiment_score":-0.18436819314956665},{"text":"And, yeah, if I can bring that forward in any way possible, I will do so. Alright. Well, thanks for your time, Peter, and I look forward to talking to you again soon. Okay. Bye. Thank you. Thank you. Bye.","start_word":1954,"end_word":1993,"sentiment":"positive","sentiment_score":0.5570173859596252},{"text":"Bye.","start_word":1994,"end_word":1994,"sentiment":"neutral","sentiment_score":0.27703943848609924}],"average":{"sentiment":"neutral","sentiment_score":0.05354656799470702}}}}