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All good. That's okay. You're not a problem at all. I'm very flexible. Always make sure I work around and then look yourself employed now. So it's important that you take the work when you've got it, so not an issue at all. No. It's 05:00 here now. We're off there on savings now. Yeah. No. So I actually live in New South Wales. So I live on New South Wales times during daylight savings, which is very similar to yourself. And then I work in Queensland here and come to work on the Gold Coast. So I kind of move between time zones a bit like you probably sometimes have to do. Yeah. No. All good. All good. Jason, I've got a copy of your document to send through to you so you can run through it with me and have a look at it. Do you have access to your email, sir, at the moment? If you don't, that's okay. I can always go through it for you. Yeah. That's alright. Is it easy for you to be able to go in and have a look at that, or is it not preferable? Yeah. Beautiful. What I'll do is I'll just send it through to you then now. Just double checking. Your email address I have here is jason1jzed@hotmail.com. Is that right? Yep. Fantastic. Okay. So I'm just sending this one through to you. Sorry. My computer's a little bit slow this afternoon. There we go. Oh, sorry. I'm it's a little bit telling me there's an issue with sending this through. I might have to go back out and resend it. I do apologize. Love technology when it wants to work. All good. Let's see if this works for us. Beautiful. That's better. Other than how's how's your day been otherwise? Yeah. All good. And how's things sort of being since you're getting back to work and getting back into everything? Yeah. Oh, that's good. You said last time we spoke that work's been picking up nicely for you as well. Well, fantastic. That's really good to hear. Excellent. All good. Sorry. It won't be two seconds. I'm just reattaching a few additional documents there, and it should be fine to go. Love technology. Love everything when it wants to work. When it doesn't tell you what. Beautiful. Okay. And this one's there. Fantastic. Now that's on its way to you, Jason. So default is coming through. I will just let you know moving forward as we go through the advice document, we do record our calls for quality and training purposes. Are you happy for me to proceed with that moving forward? Yep. Fantastic. And then also just to go through and do security day with you as well, I'll just get you to confirm your full name, your date of birth, and address I should have on file. Yep. Yep. Your address. Sorry. Fantastic. Thank you so much for that. So, hopefully, that should pop through to you in just in just a moment there. When you do, when you open up the email there, it's supposed to say statement of of advice with your name on the front of it there and then has all my adviser information on the bottom of the first page for you. Okay. Fantastic. Now with that one there, I have also made it as an attachment to the documents there. But for you to be able to review this one, it will ask you just to agree or press the sign button so you can move forward. But it should just let you scroll up and down through the document there. Fantastic. What I'll get you to do to make it easier, I'll let you go back and have a really good read of the document after the call, but just to run through the things that I need to run through with you. If you can scroll down to page number 20 there for me, you'll see all the investment tables. Perfect. There we go. Fantastic. Now when we sort of spoke, we did talk about and had a bit of a look at your portfolio. Now everything had been performing really nicely there, but we did wanna go back and just review things to make sure that you were invested in a growth portfolio, which essentially sees about 80% in those growth assets. So it's things like Australian shares, international shares, listed property, and commodities. And we had noted that one of those investments that have been along Australian equities have been underperforming a bit. So we talked about going back and just readjusting your portfolio and maybe rebalancing a little bit as well to make sure that you're not taking on too much risk because of all that volatility that we have sort of seen over the past few months there. So I did go back and have a really good look at your your super fund within Netwealth there and the investments that you invested in. As a whole, Netwealth itself is a great super fund. There's no real need to change that. We did review that and other funds out there. I am recommending that you do stay within Netwealth. There's no need to change at the moment. Down the track, we might find something better. But the other thing to consider when we do look at switching in some super funds and switching investments, your super fund, just like you, does a tax return every year, so we do need to take into account the kind of tax consequences that your fund would need to, essentially cover or pay for at the end of the day. So, by staying within Netwealth, that does mean that your fund, doesn't have to pay a huge amount of capital gains or tax for moving the funds. It's also a lot easier for you as well. I mean, there's there's no real major changes that Netwealth has seen that puts you at a disadvantage. It is in in best interest, the remaining Netwealth there at the moment. Okay? I did have a look at the investments, and you'll see we've got the red and the green there. So, essentially, we are looking to do a bit of a switch. We'll be getting rid of all of the BAN along Australian equity. You'll see that one there is nice and red and all sold down to zero. But then we're also gonna make just a few additional changes there. So you'll see the physical gold. We're not gonna sell all of that. Just rebalance you back a little bit. You've got about 12.66% of your portfolio on physical gold at the moment. So just selling some back and cementing some of the gains that it has been and having those gains redistributed elsewhere and bringing you back to about 10% there is preferable. We've also got the Vanguard fixed interest fund. We're essentially just rebalancing and altering the portfolio. We're gonna sell all of that off, bring it down to zero there, and redistribute the the funds through some other investments. And then we've also got the iShares miscue europe European one there. We're gonna sell all of that down for you to zero and distribute the funds elsewhere. Once we've completed those sell downs, we're actually going to, a, keep 10% in the physical gold, but we're also going to buy a bit more into the beta shares cybersecurity, so you'll have about 5% invested there. The iShares European exposure will buy into that. You currently have about 5% there at the moment. We'll bring you up to 8% total over your portfolio. The iShares Mitsubishi Japan will buy a bit more of that as well, make sure you've got 5% distributed, and the iShares S and P 500. So we'll bring you back up to about 30% and buy a little bit more in there. And then you've got the Vanguard All World ex US. This is just sort of giving you diversified exposure to the entire globe except The US. We don't need to buy into The US with this investment because we have it with the the S and P 500 exposure there. So one of the biggest things that's been able to mitigate risk and and look at ways to diversify your portfolio is to make sure we're getting exposure into not only some of the largest companies and already set set companies and set sorry. I'm looking for a set word. I can't think of it. Set markets, but also taking advantage of those up and coming as well. And the Vanguard All World ex US investment gives you exposure to all those sorts of market set. It is, as I said, exception not investing into The US for that investment, and that's because we have the S and P 500 already in there, and we wanna keep that. I know there has been a lot of ups and downs with the The US and with what's happening with Iran there as well over the last few months, but The US is still a good place to be. And having an exposure into the S and P 500 index over the longer term does generate really good returns as well. Okay? Excellent. Now because we are getting rid of the Bannelong Australian Equities Fund there, we do need to also replace your Australian exposure. So we're gonna use the BetaShares a 200 there. This is actually giving you more diversification to help lower the overall risk of your portfolio. So with Banda Long Australian Equities, they tend to hold anywhere from, say, 15 to 30 different investment options, whereas the BetaShares a 200 tracks the top 200 companies on the ASX. So it's it's certainly it's distributing your funds across a large a much greater exposure in the Australian market, helping to diversify, but it's also a cheaper option as well. So the Bannalong was more of a managed fund, and the fund manager was trying to augment to outperform against the market, whereas the BetaShares a 200 investment is more passive. It's better to track the indices that it is following, and then as such, it is a bit cheaper as well. So it does save you an investment fees, which I'll show you below as well. Does that make sense so far? Yeah. And then because we are getting rid of the Vanguard fixed interest there, we still wanna make sure you do have access and exposure to defensive investments. So these are lower risk investments. Our growth portfolio generally sees about 20% invested there. With the iShares core composite fund, it's looking at a government and corporate funds. It also has diversification across the globe and also looks at bank notes and fixed interest and things like that as well. And we'd see about 14% invested in there, so it's within the very variance of a growth portfolio, which is fine. And it's about making sure that you've got a good a good array and exposure across asset classes, industries, as well as companies to make sure your portfolio is working for you, but that we're also mitigating as much risk as possible as we are doing so. Does that make sense so far, Jason? Yeah. Yeah. So those are the changes that we'll essentially make with your portfolio. And if you scroll down the next page, you'll see we still have to keep a little bit of cash in the account. Essentially, we just wanna keep 1% cash there. So about $11,061, the rest of the funds are to be distributed and invested as above there. Okay? If you go down to page number 23 for me, this is sort of where you see why we are making the changes that we are. Yeah. It should have the heading fee comparison. Oh, it might be loading. Yeah. Perfect. Yep. Excellent. So with this one here, you'll see with the fee comparison table, it shows you your current versus the recommended. It's got your balance at the very top there in the current column. And then underneath that, you can see you're paying administration fees, investment fees, any other fees applicable, your ongoing service fee, and your contributions for sorry. Your no. There's no contributions at the moment, but you'll see your insurance premiums for the cover that you have with Neosair as well. Underneath sorry. You're at yeah. Of course. Yes. So I am. Yeah. Yep. Oh, yeah. Seve. Yep. Okay. Yeah. Absolutely. So the way things sorta have been able to change, and I know last year, there was a lot of a contact that we weren't able to make with everything that was kinda going on there, but we have had some changes to the business. So I've been an adviser for a couple of years now, so I've been able to take on a a certain book of clients and making sure that we're able to look after you and service things a bit better this year round. So I've made it put you into the book here. You're my client now. You're still a client of both you, and Sevvy is still the licensee. It just means that I'll be the one that you get to speak to on more of a regular basis. I can make sure my team are doing catch ups with you as well, and we can make sure to provide that service a little bit deeply for you. So if at any point you decide you don't want me to be your adviser, you're more than welcome to say you're not happy to do so. I'm more than happy to refer you on to somebody else if that's preferable. But if you're happy to, you know, stay with me, I'll make sure we do catch ups and and follow through and, you know, make sure that we do the reviews and make sure we're on track and looking forward towards your goals there for you and update the advice as we need to. Yeah. Excellent. Excellent. Just back to that table there for you, Jason. I do apologize. At the moment, you are in that growth portfolio there, and you'll see that you've got that five year rolling average there. So it's essentially showing showing you in the current scenario with the current portfolio that you're in, we take that and we look at the average that it has been able to perform over the past five years there. With the newer portfolio, you'll that in the recommended column there. So your balance, you'll also see underneath that your administration fees, your investment fees, again, the adviser service fee. I've included contributions into the recommendation for you as well, and then also your insurance premiums will be retained as they are. But the newer portfolio, the changes that we are making, when you look at that five year rolling average, it has shown that over the past five years, that newer portfolio has been able to perform greater. So when you take that projected little five year rolling average and project that over the next five to ten years, as you can see on the bottom page there, it can if if the portfolio can perform the way it has, and that's what we wanna do. We wanna make sure that it is performing correctly. And if it's not, we'll look to all make alterations to it for you. But you can definitely see over the next five to ten years if it's able to get what we has received over the past, you know, five years there, that it can see you in a much greater position moving forward. Okay? Yeah. Beautiful. I did may mention before as well the investment fees are a bit cheaper there. So with the investment fees in your current portfolio, it's got that $5.59 there. By making these changes, you're actually saving about $361 in investment fees for this year. So this newer portfolio has performed greater in the longer term. It's also a lot cheaper for you as well, and keeping money invested is really important, especially if your life has changed. You're now self employed. So, you know, you're not getting the mining contributions going in there anymore. So it's about making sure that you're saving on fees where you can, keeping money retained in the fund and compounding forward towards your goals. Okay? Yeah. Do you have any questions about any of that so far? Yeah. Beautiful. All good. If you find you have questions, you're welcome to stop me and ask away. It's not an issue at all, and noticing it's a silly question. I'm here to help. And, you know, while you are looking the document, if anything comes up, just flag it for me. Okay? Yeah. Sure. Yes. Yes. I will help you to do that. That's a very, very good question. So what we'll do is and you'll see in this table here, we have recommended contributions be going in. Essentially, the way I'm I'm recommending those is we make them as a deductible contributions, and we talked about a $100 on a weekly basis. So what I can do is I can email you essentially the the contributions detail. You can do it generally by BPAY or EFT. The contributions are put into the account or into your super fund direct from your bank account. And then at the end of the financial year, I'll actually put a little I prefer to kinda do it more than once a year. So, essentially, I'll have a look at when your insurance premiums are due to come out, and I'll make sure we claim a notice of intent just before the insurance premiums are deducted, but then making sure we do another one at the end of the financial year. And that's because the way contributions go into super the way these will go into super is they come from your bank account. So they go in with it's what's called a non concessional after tax contribution. Because they go in that way, they go into your tax free component. And whenever money comes out of your super fund, like, to pay for insurance premiums, they it comes out of both components. You can't pick or choose where the money comes out of, and your super fund has two components. You've got a tax free component and a taxable component. The taxable component is where money has gone in and tax has come out straight away. The tax free component is where tax has not been deducted straight away. And when the insurance premiums come out, say your insurance premiums, as an example, costed a $100, if you had $50 in sale, say, a $100 in each of those components there, that $100 to your insurances comes out proportionately from both of those components. To be able to get the best of this for you by making that contribution, from your bank account, it goes in that tax free side of things. So what I like to make sure we do is to make sure you're getting the most of that benefit just before your insurance premiums are due to come out of the account. Make sure you've claimed that notice of intent. That claims the full notice of intent to the contributions that are going in, and then we can do an adjustment at the end of the financial year. And that means you you get to claim the full amount of contributions going in without the amount that you're able to claim being reduced by insurance premiums. Does that make sense? You're welcome to let me know if it doesn't. Yeah. Is this yeah. That's absolutely fine because you're a sole trader, so everything is under your name anyway. It's not an issue at all. So what we'll do is we'll just send you the contributions information. You do the transfer in. You can have it set up as a regular EFT or a regular bank transfer, whatever is comfortable for yourself, or you can manually do it on a weekly basis. And then I'll just make a little note to go in there and double check each a cup each, you know, a couple of times a year to see how much you've put in. And then when we need to make those notice of intents, we'll have them prefilled and sent to you to sign. We'll have them lodge with the fund for you. And the idea is, like, if you put with this at a $100 per week, it's $55,005 thousand $200 on a yearly basis. At the end of the financial year, you can then go back to your account and then say, hey. I've put in 5,200 into my super. It's a deductible contribution. Your accountant will then claim that back for you as a as a deduction on your tax return, and your super funds will deduct tax out of that, and we will help them to do that. Does that make sense? Yeah. It's a pretty in-depth little process there, but it is kinda cool. It means that you're putting money into your super funds that are being invested for you, but you also get the advantage of having a little bit of a tax deduction at the end of the financial year as well. So it kinda gives you a bit of a boost on both levels. The way the components are set up within the super fund, that's more something for me to not worry about and make sure that I'm, you know, doing the right thing by you, but I'll make sure that we claim those notice of intent in increments that allow you to benefit from those contributions to the fullest. Okay? Yeah. Beautiful. So, essentially, you'll see in that table there, the contribution noted is 4,420. That is net. So you putting a $100 in per week does mean you put 5,200 in over the course of the year. However, this is just the net, so after the tax has been taken into account for you. Okay? Yeah. Did you wanna did you want me to kinda clarify anything further there or go into more detail? Or no. Yeah. Beautiful. Beautiful. So since that's the main part of the recommendations here is making sure you do retain net wealth for the time being, that we do make those alterations to the investments to make sure things are working harder for you, and then also making those contributions. So putting a $100 in on a weekly basis, and then we'll make sure we do that notice of intent for you. So at the end of the financial year after the July 1, when you go to do your tax return, so you'll be able to let your accountant know that you've made that additional contribution to Super, and they can claim that as a tax deduction for you as well. Okay? Beautiful. The only other thing I do like to make mention is we did talk before about whenever we make changes to the funds within your super, that your super fund does have to account for the taxation side of things. So we did go back and have a look at the CGT consequences. You'll see in the difference column there the amount of $382. In order to make those changes inside your super fund there and make the investment switches, your super fund would be expected to pay about $380 in in capital gains tax. So that doesn't affect you in any way, shape, or form. Your super fund will account for that in the back end. We just like to make sure we disclose that to you. Okay? Beautiful. You'll also see there is a difference in the ongoing adviser fee. Our ongoing service fee is 1.65% per annum. This is breaking it down into a dollar figure for you. And whilst the balance is not hasn't gone up in the top column there, the $1.08 $2.00 is factoring in the first year's growth there. So that's the difference of the $78. Okay? Yeah. Beautiful. But all in all, so long as everything goes according to plan and, you know, if this if these investments can perform the way they have and, you know, everything shows that you should be on track for a much greater retirement, and we will update the advice regularly. I'll do catch ups with you a bit more. That way, we can kinda see where things are changing when and if you wanna make additional contributions or have some extra money, we can always look at doing that for you as well. The contributions cap for this year is 30,000. Next year, it's 32,500. So we can always look to make additional contributions to provide a greater boost to super down the track there. We were just sticking to this for the moment. And if you're getting back into work, you're now self employed and sort of seeing how things go, and it's important that we can keep updating this advice down the track for you as well. Okay? Yeah. Beautiful. Now we are retaining your life and TBD insurances exactly as they are at the moment. So we did talk about income protection trauma. The cost of having and adding to insurances does mean the cost is greater. You pay more out of your super fund for doing so. You were happy to not look at getting new cover at the moment. But on page number 24 there, you'll see under the annualized returns, there's a small table with the five and ten year projection, and it's got the current recommended and no insurances. Can you see that table there? Yeah. Beautiful. This is just letting you know and showing you the difference with regard to the insurance side of things. So because you are paying for the life and TPD out of your super fund as you get older, essentially, your insurance premiums do get more and more expensive as the risk of you making a claim increases. And this shows you the same thing as it was in the projection table above there, but it's also got the third column showing that if you were not to pay any insurances out of your super, but you were still to take on the recommendations there, essentially, the outcome over the next five to ten years could be projected to show you the difference. Okay. Yeah. Yeah. So we just like to make sure we have that comparison in there for you. It does show you the difference by not having insurances. However, I'm not making any recommendations to cancel them. I still think insurances are definitely appropriate for your life stage and where you're at, but we can always review these down the track with you as well. Okay. Yep. Beautiful. Underneath that, you'll see we've got an income a retirement income protection calculator. So this is essentially scoped into a limited basis because you are still a bit away from limited basis. Because you are still a bit away from retirement, you're so happy to kinda keep working to the age of 70 if you needed to, but we'll keep sort of reviewing things moving forward to see how you go and when you do decide you wanna retire. When you get closer, we'll look at this in a much more detail. But at the moment, based on the current recommendations, when we kinda project this forward over the next few years, we can sort of see that if everything was to stay on track, essentially, being able to retire at the age of 70 there, you're kind of looking for a retirement income of a base of 52,000 per annum. So it's about $1,000 on a weekly basis there. This is showing you that we're almost at that projected amount. We're showing a short about $749. This is utilizing your super as well as the eligibility for Centrelink, which based on your current circumstances, you would have eligibility to. And this is just in to sort of show you where we're kinda projecting based on the recommendations I have made. And I do a lot of the retirement planning with a lot of our clients. So as you get closer and older towards retiring and wanting to sort of look at that in a bit more focus, we can absolutely look at doing that for you. As I mentioned, we can be putting extra contributions in each year as things change for yourself. We can utilize, you know, caps if we need to. There's other things down the track that we can absolutely do. Some of the coolest strategies kinda come into play when you turn 60. So I'm not sure if we kinda spoke about this in the past, but when you do turn 60, you get access to what's called a transition retirement strategy, which is where you can be putting a lot more money into super up to the cap. And then we can also access a little bit and draw some down so you end up with, you know, saving on income tax, but still putting as much as possible into super to provide greater benefit. And these sorts of strategies are more accessible and available to you at the age of 60s. So when you get to that point, we can have a much more in-depth conversation and look at what some of these other strategies can do to help boost your super. Okay? Yeah. Perfect. I'm probably the only person in the world to get excited about super and people turning 60. But, yeah, there's some there's some other cool things that we can definitely do to help you there. On page number 26, this takes you into more around the recommendation about the personal deductible contributions. So, essentially, it's a 100 on a weekly basis. You pop it into your super fund from your bank account there. And then at the end of the financial year, we make sure we've claimed the notice of intent. I'll check a couple of times a year to find out when they need to be claimed, and I'll make sure we claim them so you get the maximum benefit from those. Okay? But the table at the bottom essentially shows you that what it can do there. So you put that money into your super fund there. You then claim that as a bit of a tax deduction on your income, which helps to reduce your taxable income. You can kinda go from and this is just showing you without any additional deductions and things like that. This is sort of showing you that if you start with 60,000 there, you put that 5,200 into super. It reduces your taxable income there. It also reduces, essentially, the expectation that it reduces the tax payable on your income as well, so it saves you some income tax. It does mean by putting the funds into super, once we claim that notice of intent, your super fund does pay tax on that. Essentially, it's about $780, but you end up saving more than what is taxed inside super, so it provides you with a much greater effect. Okay? Beautiful. Did you have any questions about how that works, or did you want me to go into more detail there? Or no. That's okay. Yeah. That's okay. As you once you you've once I've gone through this with you this afternoon, you'll get some time to go back and have a really good read of it. So run your eyes over the information there. We've got the recommendation outlined. You'll see on each those pages there, we've also got a best interest duty. So this is essentially how tying this recommendation is in your best interest, how we tie it back to your goals, and how this is working harder for you at the end of the day. We also outlined there the advantages, the disadvantages, and the risks involved and any alternatives that we've considered as well. So you'll be able to go back and have a really good review of the entire document, have a bit of a read through it. It's sometimes it's easier when I'm not sort of talking at you for you to run your eyes over it and take it all in. And then let me know if you do have questions. As as I said, there's no such thing as a silly question. If it's something you're curious about or you want me to kinda go into more detail for you, I'm absolutely happy to do so. Part of what I love about my job isn't just being able to say this is what I'm gonna do to help you and help you to meet your goal. It's also the educational value as well because it's you've worked really hard all your life thus far, and you've got a lot of life left to work. And this is part of your income, so you wanna make sure it's been looked after correctly. You wanna make sure that it's working for you so that when you get to the year that you wanna retire, you get to retire. You get to access your money, and you get to enjoy the life that you've always wanted and worked so hard for. So, you know, that's really important to me, and making sure that this is working harder for you is just as important. Okay? Yeah. Beautiful. Beautiful. Essentially, that's most of the recommendations there. It is a nice easy one for you. We do also put in there that we do recommend making sure that you do have a will and power of attorney in place. Your beneficiaries were in place, and we confirmed you were happy with those. But we do find it's important to also look to, you know, make sure that you are aware of how important having a will and power of attorney is. We don't do those. We can refer you to a solicitor for the setting up of those. And I would suggest if you also do have a local solicitor that you're comfortable with, it's absolutely fine to meet with them. Again, estate planning is another very critical error, but it's also making sure that you're comfortable having those conversations with the person that's throwing your will up. So sorry. You don't have to by any means. We recommend that you do have a will and power of attorney, but there's no rule that says you have to. Yeah. The other thing to sorta consider is that if you were to pass away as much as sorry. As much as everything under most state laws does go to your wife, there's a point of a a certain process of probate to go through. And I have seen in the past where, you know, a spouse has passed away, everything has to go through probate anyway. It doesn't automatically go to her. And it does mean that going through probate means that other people can come forward and and place a stake on the claim. There's no guarantees they're gonna get it, but they're allowed to come forward and make a claim for, you know, a part of your estate. And I have seen parts of the state being passed off to people where they really weren't entitled. It wasn't where it wasn't where the person wanted their estate to be passed off to, and it can mean that things are distributed unevenly as well. So no. That's okay. So everything else is ending in your name. So your bank accounts, your super and your life insurance is all covered under your beneficiary, so that's absolutely fine. But things like your bank accounts, anything with your name on it, cars, boats, caravans, contents, might they have family heirlooms or tools of trade or things like that. So a lot of those bits and pieces because once you pass away, your family has to gather essentially all of your assets, and they do a final tax return for you. So they have to kinda correlate everything and put it together, and it's called the estate. And that's just correlating all the information on all the assets you have, all your bank accounts, any investments you might have, any money stashed away or anything that might be sold off or considered point of value, and your estate has to do a final tax return once you've passed away, and then it all goes through probate. So it is quite a lengthy process. Most of the time, you know, things just go straight to your spouse. The judge goes, right. Cool. No one's really stuck your claim. No one's entitled or anything. Goes straight to the spouse. Absolutely fine. But there are those instances where families can come forward, past partners, you know, relatives you may not speak to, stake a claim, and if their claim is good enough or if the judge deems that viable under yeah. They can pass off some of your estate. So it's not guaranteed by any means. It could be a lot more of a straightforward process than, you know, what I've kinda gone through. However, I have seen it go both ways. And having something like a will kit, you can even go to the post office and just purchase the will kit. I think I saw them in there the other day for about $35 now. And you just go through the will kit. You just fill it out as per the instructions noting who you want to have what, and then make sure someone knows where it's located, your wife or your kids or someone that you trust knows where that will kit is set, and just make sure it's all done as per the instructions. And then at least you've got a will in place. It's a much cheaper way than going to speak to a solicitor, and it can be just as effective as well, but it's just about making sure your your wishes are adhered to. Does that make sense? Yeah. Yeah. It's it's a really interesting process because, I mean, I've seen a lot of people and a lot of people do say to me, I've got nothing. I don't think I've got anything. It's not worth anything. But when you sort of think about passing away, a lot of things can come to play. A lot of people, you know, you may never spoken to for years might decide, hey. I want a piece of that or I deserve something. And probate can go for as little as a couple of weeks or a month, or it can go for years depending on what happens. And I've seen probate go for, you know, two or three years even when clients didn't think they had anything at all. And it's just going on at such a long lengthy cost that there was nothing left to hand off at the end anyway. So, yeah, it's really hard to say what could happen, but having a power of attorney in place is important because if you have a car accident or you're in a a medical incapacity or something happens to you where you can't make decisions, then you've appointed someone who can follow your direction. To give you a bit of an example, my mom is a really good case where I'm her power of attorney. It's in the documents that, you know, what she wants to happen if, say, she's medically incapacitated and can't make decisions, I've got a list of questions I have to ask the doctor. If I get yes to all of them, I have to pull the plug. So it's just about making sure that people know what your wishes are. You might not want to be resuscitated if there's a certain point, you know, where you're gonna be a vegetable. You might wanna be resuscitated. But just making sure that someone knows what your wishes are and what you want to happen in certain instances, and then the will to protect your estate and make sure that anything is distributed as per how you want your money, your valuables, to be distributed after passing. Okay. Yeah. Yeah. It's a bit different when you think of it about that, isn't it? Most of us look at things and go, yeah. It's probably not really anything anyone wants here, but, you you know, you just never know. I know when my grandmother, when she was alive and went in into aged care, she didn't think anyone wanted anything, and she said, oh, come and put stickers on the things that you want. And everyone turned up putting stickers on everything. So it just just kinda goes to show that you may have a lot more valuable a lot more valuable items or a lot more to that is valuable to some of your family members than what it was to you. Yeah. Yeah. So something to think about. But as I said, there's not it's just a recommendation. As part of these advice documentation, we just make recommendations letting you know what we're recommending. You don't have to take them. You don't have to get a will done up. You don't have to have a power of attorney. We just like to make sure that we are ticking that box and letting you know the importance of doing so. And if you decide to go and do that, absolutely. If you don't, that's completely your decision. Okay? Yeah. All good. Sometimes it's good just to have the conversation with your family as well just so to see what their thoughts are around it all. Yeah. Yeah. On page 37, when you get to the bottom, you'll see the remuneration side of things. So the advice that we do provide, because you're an ongoing client, you pay the ongoing service fee of 1.65% per annum. That essentially means that we're providing advice. So we don't charge any implementation fees or upfront fees for new advice. That's all inclusive of what you're paying us to do. We're here to help you work towards your goals and provide advice to work along those lines for you. So there's no one no other fees for providing the advice to you. We do also like to make sure you're aware that you we do receive remuneration from Neos for the insurances. It's 22% ongoing, so it's estimated based on the current premium. We'll receive about $533 this year. That's all disclosed on page number 37 for you. All the we just like to make sure you're aware of everything that you are paying and what it looks like for you, And our job is to help work towards your goals and work in your best interest, and that's why we have the best interest duty in the advice document. It's outlining how our recommendations are made in in line with best interest duty and how they're here to meet your goals and why they're in your best interest to do so. Okay. Beautiful. Look. I've rambled on a lot about everything. Essentially, if you decide you're comfortable taking the advice to make this work for you, how it will be implemented is that we'll start you'll sign the document to begin with. We'll then do the investment switch in the background, change the investments for you. You might get notifications that we're doing that in the back end, but you won't have to do anything. I'll then give you the information on how to make the contribution. I can even send that to you this afternoon after the call just a bit with the the details on how to make those contributions into super so you can start that. And then myself and my admin team here, we will make a little notice to when we do the notice of intent, whether it's at the end of the financial year or whether we need to do one beforehand. We'll take care of that, let you know when we're sending it to you, get you to sign them, and we'll make sure they're submitted and added to the super fund for you. Okay? All good. All good. Do you have any questions? Is there anything that you might wanna ask at the moment? No? Beautiful. All good. All all good. Well, look, I've rambled on a lot there for you, so I will let you go. You're welcome to have a bit of time to read through that one. I'll get that email this afternoon with the contributions details for your fund to make it a bit easier on you. And if you find after you've read it over that any questions do come up, feel free to let me know. If after you've read it through, you're fairly comfortable with it all, we'll just get you to sign and return it back, and we can get started on implementing that for you. And we can do a catch up in a few months as well to see how things are tracking. Does that sound okay? Yeah. Beautiful. Yeah. So on your Superfund app? Yep. Yeah. You will. Yeah. So you should be able to see the transactions. And in the transactions, you'll see the contributions showing up. But if you ever get stuck, let me know. We can always do a bit of a catch up and and print out anything or email anything you need. But, yeah, in the transactions, you'll see those contributions being received and invested. Yeah. Yep. Fantastic. Oh, good. Is there anything that you might want me to kinda go through in a bit more detail, or you're happy with just that that's enough for today? Oh, fantastic. Oh, good. Well, I'm very much looking forward to helping you moving forward. As I said, I've put you on my book, so I'll be your adviser moving forward. I do work under Sevi. I have worked with Sevi for a very long time. It's just about making sure that we're able to provide that service. And as the licensee, it's obviously very hard for him to continuously make calls as well as look after the business. So I've taken on a lot of his older clients and making sure that we're working harder for you, and we'll look to make sure we do catch ups. When we did your annual review, you said you were pretty comfortable with the six monthly catch up. Do you still feel that's fairly comfortable for you? Yep. Beautiful. Yeah. Yeah. Absolutely. Yeah. Yeah. Of course. Yeah. Oh, thank you. Yeah. Yeah. Beautiful. Well, if you ever have those concerns again or if you find I'm not living up to the expectation, please let me know. I'll do everything I can to make sure I live up to the expectation. And look so we'll set a catch up for in six months' time from today. And if anything comes up and you just want an extra catch up here or there or there's an ad hoc thing or a random question, you let me know. I don't work Fridays, but I work really early in the morning. So generally from 07:30 to about six, 07:00 at night, Monday to Thursday, and I'll happily speak to you after work if we need to. If you really need me on a Friday, I'll make sure I've got time for you then as well. So at the end of the day, I work for you now, Jason. So you let me know what you need, and I will make sure that I'm here to support you. Okay? Amazing. Well, thank you so much for your time. I'll let you go to have a look at everything. If there's any questions that of any of that, you let me know. Okay? Fantastic. Thank you so much. It's been a pleasure to put this together for you, and I hope you have a good relaxing evening. Oh, good. I'll let you go, but thank you for your time. I hope you have a wonderful rest of your week. Thanks, Jason. See you later. 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Jason. It's Dana from Oakey Financial. How are you today? That's good. I had you booked in to go through your updated statement of advice.\n\nIs now still a good time there for you? Yeah. All good. That's okay. You're not a problem at all.\n\nI'm very flexible. Always make sure I work around and then look yourself employed now. So it's important that you take the work when you've got it, so not an issue at all. No. It's 05:00 here now.\n\nWe're off there on savings now. Yeah. No. So I actually live in New South Wales. So I live on New South Wales times during daylight savings, which is very similar to yourself.\n\nAnd then I work in Queensland here and come to work on the Gold Coast. So I kind of move between time zones a bit like you probably sometimes have to do. Yeah. No. All good.\n\nAll good. Jason, I've got a copy of your document to send through to you so you can run through it with me and have a look at it. Do you have access to your email, sir, at the moment? If you don't, that's okay. I can always go through it for you.\n\nYeah. That's alright. Is it easy for you to be able to go in and have a look at that, or is it not preferable? Yeah. Beautiful.\n\nWhat I'll do is I'll just send it through to you then now. Just double checking. Your email address I have here is jason1jzed@hotmail.com. Is that right? Yep.\n\nFantastic. Okay. So I'm just sending this one through to you. Sorry. My computer's a little bit slow this afternoon.\n\nThere we go. Oh, sorry. I'm it's a little bit telling me there's an issue with sending this through. I might have to go back out and resend it. I do apologize.\n\nLove technology when it wants to work. All good. Let's see if this works for us. Beautiful. That's better.\n\nOther than how's how's your day been otherwise? Yeah. All good. And how's things sort of being since you're getting back to work and getting back into everything? Yeah.\n\nOh, that's good. You said last time we spoke that work's been picking up nicely for you as well. Well, fantastic. That's really good to hear. Excellent.\n\nAll good. Sorry. It won't be two seconds. I'm just reattaching a few additional documents there, and it should be fine to go. Love technology.\n\nLove everything when it wants to work. When it doesn't tell you what. Beautiful. Okay. And this one's there.\n\nFantastic. Now that's on its way to you, Jason. So default is coming through. I will just let you know moving forward as we go through the advice document, we do record our calls for quality and training purposes. Are you happy for me to proceed with that moving forward?\n\nYep. Fantastic. And then also just to go through and do security day with you as well, I'll just get you to confirm your full name, your date of birth, and address I should have on file. Yep. Yep.\n\nYour address. Sorry. Fantastic. Thank you so much for that. So, hopefully, that should pop through to you in just in just a moment there.\n\nWhen you do, when you open up the email there, it's supposed to say statement of of advice with your name on the front of it there and then has all my adviser information on the bottom of the first page for you. Okay. Fantastic. Now with that one there, I have also made it as an attachment to the documents there. But for you to be able to review this one, it will ask you just to agree or press the sign button so you can move forward.\n\nBut it should just let you scroll up and down through the document there. Fantastic. What I'll get you to do to make it easier, I'll let you go back and have a really good read of the document after the call, but just to run through the things that I need to run through with you. If you can scroll down to page number 20 there for me, you'll see all the investment tables. Perfect.\n\nThere we go. Fantastic. Now when we sort of spoke, we did talk about and had a bit of a look at your portfolio. Now everything had been performing really nicely there, but we did wanna go back and just review things to make sure that you were invested in a growth portfolio, which essentially sees about 80% in those growth assets. So it's things like Australian shares, international shares, listed property, and commodities.\n\nAnd we had noted that one of those investments that have been along Australian equities have been underperforming a bit. So we talked about going back and just readjusting your portfolio and maybe rebalancing a little bit as well to make sure that you're not taking on too much risk because of all that volatility that we have sort of seen over the past few months there. So I did go back and have a really good look at your your super fund within Netwealth there and the investments that you invested in. As a whole, Netwealth itself is a great super fund. There's no real need to change that.\n\nWe did review that and other funds out there. I am recommending that you do stay within Netwealth. There's no need to change at the moment. Down the track, we might find something better. But the other thing to consider when we do look at switching in some super funds and switching investments, your super fund, just like you, does a tax return every year, so we do need to take into account the kind of tax consequences that your fund would need to, essentially cover or pay for at the end of the day.\n\nSo, by staying within Netwealth, that does mean that your fund, doesn't have to pay a huge amount of capital gains or tax for moving the funds. It's also a lot easier for you as well. I mean, there's there's no real major changes that Netwealth has seen that puts you at a disadvantage. It is in in best interest, the remaining Netwealth there at the moment. Okay?\n\nI did have a look at the investments, and you'll see we've got the red and the green there. So, essentially, we are looking to do a bit of a switch. We'll be getting rid of all of the BAN along Australian equity. You'll see that one there is nice and red and all sold down to zero. But then we're also gonna make just a few additional changes there.\n\nSo you'll see the physical gold. We're not gonna sell all of that. Just rebalance you back a little bit. You've got about 12.66% of your portfolio on physical gold at the moment. So just selling some back and cementing some of the gains that it has been and having those gains redistributed elsewhere and bringing you back to about 10% there is preferable.\n\nWe've also got the Vanguard fixed interest fund. We're essentially just rebalancing and altering the portfolio. We're gonna sell all of that off, bring it down to zero there, and redistribute the the funds through some other investments. And then we've also got the iShares miscue europe European one there. We're gonna sell all of that down for you to zero and distribute the funds elsewhere.\n\nOnce we've completed those sell downs, we're actually going to, a, keep 10% in the physical gold, but we're also going to buy a bit more into the beta shares cybersecurity, so you'll have about 5% invested there. The iShares European exposure will buy into that. You currently have about 5% there at the moment. We'll bring you up to 8% total over your portfolio. The iShares Mitsubishi Japan will buy a bit more of that as well, make sure you've got 5% distributed, and the iShares S and P 500.\n\nSo we'll bring you back up to about 30% and buy a little bit more in there. And then you've got the Vanguard All World ex US. This is just sort of giving you diversified exposure to the entire globe except The US. We don't need to buy into The US with this investment because we have it with the the S and P 500 exposure there. So one of the biggest things that's been able to mitigate risk and and look at ways to diversify your portfolio is to make sure we're getting exposure into not only some of the largest companies and already set set companies and set sorry.\n\nI'm looking for a set word. I can't think of it. Set markets, but also taking advantage of those up and coming as well. And the Vanguard All World ex US investment gives you exposure to all those sorts of market set. It is, as I said, exception not investing into The US for that investment, and that's because we have the S and P 500 already in there, and we wanna keep that.\n\nI know there has been a lot of ups and downs with the The US and with what's happening with Iran there as well over the last few months, but The US is still a good place to be. And having an exposure into the S and P 500 index over the longer term does generate really good returns as well. Okay? Excellent. Now because we are getting rid of the Bannelong Australian Equities Fund there, we do need to also replace your Australian exposure.\n\nSo we're gonna use the BetaShares a 200 there. This is actually giving you more diversification to help lower the overall risk of your portfolio. So with Banda Long Australian Equities, they tend to hold anywhere from, say, 15 to 30 different investment options, whereas the BetaShares a 200 tracks the top 200 companies on the ASX. So it's it's certainly it's distributing your funds across a large a much greater exposure in the Australian market, helping to diversify, but it's also a cheaper option as well. So the Bannalong was more of a managed fund, and the fund manager was trying to augment to outperform against the market, whereas the BetaShares a 200 investment is more passive.\n\nIt's better to track the indices that it is following, and then as such, it is a bit cheaper as well. So it does save you an investment fees, which I'll show you below as well. Does that make sense so far? Yeah. And then because we are getting rid of the Vanguard fixed interest there, we still wanna make sure you do have access and exposure to defensive investments.\n\nSo these are lower risk investments. Our growth portfolio generally sees about 20% invested there. With the iShares core composite fund, it's looking at a government and corporate funds. It also has diversification across the globe and also looks at bank notes and fixed interest and things like that as well. And we'd see about 14% invested in there, so it's within the very variance of a growth portfolio, which is fine.\n\nAnd it's about making sure that you've got a good a good array and exposure across asset classes, industries, as well as companies to make sure your portfolio is working for you, but that we're also mitigating as much risk as possible as we are doing so. Does that make sense so far, Jason? Yeah. Yeah. So those are the changes that we'll essentially make with your portfolio.\n\nAnd if you scroll down the next page, you'll see we still have to keep a little bit of cash in the account. Essentially, we just wanna keep 1% cash there. So about $11,061, the rest of the funds are to be distributed and invested as above there. Okay? If you go down to page number 23 for me, this is sort of where you see why we are making the changes that we are.\n\nYeah. It should have the heading fee comparison. Oh, it might be loading. Yeah. Perfect.\n\nYep. Excellent. So with this one here, you'll see with the fee comparison table, it shows you your current versus the recommended. It's got your balance at the very top there in the current column. And then underneath that, you can see you're paying administration fees, investment fees, any other fees applicable, your ongoing service fee, and your contributions for sorry.\n\nYour no. There's no contributions at the moment, but you'll see your insurance premiums for the cover that you have with Neosair as well. Underneath sorry. You're at yeah. Of course.\n\nYes. So I am. Yeah. Yep. Oh, yeah.\n\nSeve. Yep. Okay. Yeah. Absolutely.\n\nSo the way things sorta have been able to change, and I know last year, there was a lot of a contact that we weren't able to make with everything that was kinda going on there, but we have had some changes to the business. So I've been an adviser for a couple of years now, so I've been able to take on a a certain book of clients and making sure that we're able to look after you and service things a bit better this year round. So I've made it put you into the book here. You're my client now. You're still a client of both you, and Sevvy is still the licensee.\n\nIt just means that I'll be the one that you get to speak to on more of a regular basis. I can make sure my team are doing catch ups with you as well, and we can make sure to provide that service a little bit deeply for you. So if at any point you decide you don't want me to be your adviser, you're more than welcome to say you're not happy to do so. I'm more than happy to refer you on to somebody else if that's preferable. But if you're happy to, you know, stay with me, I'll make sure we do catch ups and and follow through and, you know, make sure that we do the reviews and make sure we're on track and looking forward towards your goals there for you and update the advice as we need to.\n\nYeah. Excellent. Excellent. Just back to that table there for you, Jason. I do apologize.\n\nAt the moment, you are in that growth portfolio there, and you'll see that you've got that five year rolling average there. So it's essentially showing showing you in the current scenario with the current portfolio that you're in, we take that and we look at the average that it has been able to perform over the past five years there. With the newer portfolio, you'll that in the recommended column there. So your balance, you'll also see underneath that your administration fees, your investment fees, again, the adviser service fee. I've included contributions into the recommendation for you as well, and then also your insurance premiums will be retained as they are.\n\nBut the newer portfolio, the changes that we are making, when you look at that five year rolling average, it has shown that over the past five years, that newer portfolio has been able to perform greater. So when you take that projected little five year rolling average and project that over the next five to ten years, as you can see on the bottom page there, it can if if the portfolio can perform the way it has, and that's what we wanna do. We wanna make sure that it is performing correctly. And if it's not, we'll look to all make alterations to it for you. But you can definitely see over the next five to ten years if it's able to get what we has received over the past, you know, five years there, that it can see you in a much greater position moving forward.\n\nOkay? Yeah. Beautiful. I did may mention before as well the investment fees are a bit cheaper there. So with the investment fees in your current portfolio, it's got that $5.59 there.\n\nBy making these changes, you're actually saving about $361 in investment fees for this year. So this newer portfolio has performed greater in the longer term. It's also a lot cheaper for you as well, and keeping money invested is really important, especially if your life has changed. You're now self employed. So, you know, you're not getting the mining contributions going in there anymore.\n\nSo it's about making sure that you're saving on fees where you can, keeping money retained in the fund and compounding forward towards your goals. Okay? Yeah. Do you have any questions about any of that so far? Yeah.\n\nBeautiful. All good. If you find you have questions, you're welcome to stop me and ask away. It's not an issue at all, and noticing it's a silly question. I'm here to help.\n\nAnd, you know, while you are looking the document, if anything comes up, just flag it for me. Okay? Yeah. Sure. Yes.\n\nYes. I will help you to do that. That's a very, very good question. So what we'll do is and you'll see in this table here, we have recommended contributions be going in. Essentially, the way I'm I'm recommending those is we make them as a deductible contributions, and we talked about a $100 on a weekly basis.\n\nSo what I can do is I can email you essentially the the contributions detail. You can do it generally by BPAY or EFT. The contributions are put into the account or into your super fund direct from your bank account. And then at the end of the financial year, I'll actually put a little I prefer to kinda do it more than once a year. So, essentially, I'll have a look at when your insurance premiums are due to come out, and I'll make sure we claim a notice of intent just before the insurance premiums are deducted, but then making sure we do another one at the end of the financial year.\n\nAnd that's because the way contributions go into super the way these will go into super is they come from your bank account. So they go in with it's what's called a non concessional after tax contribution. Because they go in that way, they go into your tax free component. And whenever money comes out of your super fund, like, to pay for insurance premiums, they it comes out of both components. You can't pick or choose where the money comes out of, and your super fund has two components.\n\nYou've got a tax free component and a taxable component. The taxable component is where money has gone in and tax has come out straight away. The tax free component is where tax has not been deducted straight away. And when the insurance premiums come out, say your insurance premiums, as an example, costed a $100, if you had $50 in sale, say, a $100 in each of those components there, that $100 to your insurances comes out proportionately from both of those components. To be able to get the best of this for you by making that contribution, from your bank account, it goes in that tax free side of things.\n\nSo what I like to make sure we do is to make sure you're getting the most of that benefit just before your insurance premiums are due to come out of the account. Make sure you've claimed that notice of intent. That claims the full notice of intent to the contributions that are going in, and then we can do an adjustment at the end of the financial year. And that means you you get to claim the full amount of contributions going in without the amount that you're able to claim being reduced by insurance premiums. Does that make sense?\n\nYou're welcome to let me know if it doesn't. Yeah. Is this yeah. That's absolutely fine because you're a sole trader, so everything is under your name anyway. It's not an issue at all.\n\nSo what we'll do is we'll just send you the contributions information. You do the transfer in. You can have it set up as a regular EFT or a regular bank transfer, whatever is comfortable for yourself, or you can manually do it on a weekly basis. And then I'll just make a little note to go in there and double check each a cup each, you know, a couple of times a year to see how much you've put in. And then when we need to make those notice of intents, we'll have them prefilled and sent to you to sign.\n\nWe'll have them lodge with the fund for you. And the idea is, like, if you put with this at a $100 per week, it's $55,005 thousand $200 on a yearly basis. At the end of the financial year, you can then go back to your account and then say, hey. I've put in 5,200 into my super. It's a deductible contribution.\n\nYour accountant will then claim that back for you as a as a deduction on your tax return, and your super funds will deduct tax out of that, and we will help them to do that. Does that make sense? Yeah. It's a pretty in-depth little process there, but it is kinda cool. It means that you're putting money into your super funds that are being invested for you, but you also get the advantage of having a little bit of a tax deduction at the end of the financial year as well.\n\nSo it kinda gives you a bit of a boost on both levels. The way the components are set up within the super fund, that's more something for me to not worry about and make sure that I'm, you know, doing the right thing by you, but I'll make sure that we claim those notice of intent in increments that allow you to benefit from those contributions to the fullest. Okay? Yeah. Beautiful.\n\nSo, essentially, you'll see in that table there, the contribution noted is 4,420. That is net. So you putting a $100 in per week does mean you put 5,200 in over the course of the year. However, this is just the net, so after the tax has been taken into account for you. Okay?\n\nYeah. Did you wanna did you want me to kinda clarify anything further there or go into more detail? Or no. Yeah. Beautiful.\n\nBeautiful. So since that's the main part of the recommendations here is making sure you do retain net wealth for the time being, that we do make those alterations to the investments to make sure things are working harder for you, and then also making those contributions. So putting a $100 in on a weekly basis, and then we'll make sure we do that notice of intent for you. So at the end of the financial year after the July 1, when you go to do your tax return, so you'll be able to let your accountant know that you've made that additional contribution to Super, and they can claim that as a tax deduction for you as well. Okay?\n\nBeautiful. The only other thing I do like to make mention is we did talk before about whenever we make changes to the funds within your super, that your super fund does have to account for the taxation side of things. So we did go back and have a look at the CGT consequences. You'll see in the difference column there the amount of $382. In order to make those changes inside your super fund there and make the investment switches, your super fund would be expected to pay about $380 in in capital gains tax.\n\nSo that doesn't affect you in any way, shape, or form. Your super fund will account for that in the back end. We just like to make sure we disclose that to you. Okay? Beautiful.\n\nYou'll also see there is a difference in the ongoing adviser fee. Our ongoing service fee is 1.65% per annum. This is breaking it down into a dollar figure for you. And whilst the balance is not hasn't gone up in the top column there, the $1.08 $2.00 is factoring in the first year's growth there. So that's the difference of the $78.\n\nOkay? Yeah. Beautiful. But all in all, so long as everything goes according to plan and, you know, if this if these investments can perform the way they have and, you know, everything shows that you should be on track for a much greater retirement, and we will update the advice regularly. I'll do catch ups with you a bit more.\n\nThat way, we can kinda see where things are changing when and if you wanna make additional contributions or have some extra money, we can always look at doing that for you as well. The contributions cap for this year is 30,000. Next year, it's 32,500. So we can always look to make additional contributions to provide a greater boost to super down the track there. We were just sticking to this for the moment.\n\nAnd if you're getting back into work, you're now self employed and sort of seeing how things go, and it's important that we can keep updating this advice down the track for you as well. Okay? Yeah. Beautiful. Now we are retaining your life and TBD insurances exactly as they are at the moment.\n\nSo we did talk about income protection trauma. The cost of having and adding to insurances does mean the cost is greater. You pay more out of your super fund for doing so. You were happy to not look at getting new cover at the moment. But on page number 24 there, you'll see under the annualized returns, there's a small table with the five and ten year projection, and it's got the current recommended and no insurances.\n\nCan you see that table there? Yeah. Beautiful. This is just letting you know and showing you the difference with regard to the insurance side of things. So because you are paying for the life and TPD out of your super fund as you get older, essentially, your insurance premiums do get more and more expensive as the risk of you making a claim increases.\n\nAnd this shows you the same thing as it was in the projection table above there, but it's also got the third column showing that if you were not to pay any insurances out of your super, but you were still to take on the recommendations there, essentially, the outcome over the next five to ten years could be projected to show you the difference. Okay. Yeah. Yeah. So we just like to make sure we have that comparison in there for you.\n\nIt does show you the difference by not having insurances. However, I'm not making any recommendations to cancel them. I still think insurances are definitely appropriate for your life stage and where you're at, but we can always review these down the track with you as well. Okay. Yep.\n\nBeautiful. Underneath that, you'll see we've got an income a retirement income protection calculator. So this is essentially scoped into a limited basis because you are still a bit away from limited basis. Because you are still a bit away from retirement, you're so happy to kinda keep working to the age of 70 if you needed to, but we'll keep sort of reviewing things moving forward to see how you go and when you do decide you wanna retire. When you get closer, we'll look at this in a much more detail.\n\nBut at the moment, based on the current recommendations, when we kinda project this forward over the next few years, we can sort of see that if everything was to stay on track, essentially, being able to retire at the age of 70 there, you're kind of looking for a retirement income of a base of 52,000 per annum. So it's about $1,000 on a weekly basis there. This is showing you that we're almost at that projected amount. We're showing a short about $749. This is utilizing your super as well as the eligibility for Centrelink, which based on your current circumstances, you would have eligibility to.\n\nAnd this is just in to sort of show you where we're kinda projecting based on the recommendations I have made. And I do a lot of the retirement planning with a lot of our clients. So as you get closer and older towards retiring and wanting to sort of look at that in a bit more focus, we can absolutely look at doing that for you. As I mentioned, we can be putting extra contributions in each year as things change for yourself. We can utilize, you know, caps if we need to.\n\nThere's other things down the track that we can absolutely do. Some of the coolest strategies kinda come into play when you turn 60. So I'm not sure if we kinda spoke about this in the past, but when you do turn 60, you get access to what's called a transition retirement strategy, which is where you can be putting a lot more money into super up to the cap. And then we can also access a little bit and draw some down so you end up with, you know, saving on income tax, but still putting as much as possible into super to provide greater benefit. And these sorts of strategies are more accessible and available to you at the age of 60s.\n\nSo when you get to that point, we can have a much more in-depth conversation and look at what some of these other strategies can do to help boost your super. Okay? Yeah. Perfect. I'm probably the only person in the world to get excited about super and people turning 60.\n\nBut, yeah, there's some there's some other cool things that we can definitely do to help you there. On page number 26, this takes you into more around the recommendation about the personal deductible contributions. So, essentially, it's a 100 on a weekly basis. You pop it into your super fund from your bank account there. And then at the end of the financial year, we make sure we've claimed the notice of intent.\n\nI'll check a couple of times a year to find out when they need to be claimed, and I'll make sure we claim them so you get the maximum benefit from those. Okay? But the table at the bottom essentially shows you that what it can do there. So you put that money into your super fund there. You then claim that as a bit of a tax deduction on your income, which helps to reduce your taxable income.\n\nYou can kinda go from and this is just showing you without any additional deductions and things like that. This is sort of showing you that if you start with 60,000 there, you put that 5,200 into super. It reduces your taxable income there. It also reduces, essentially, the expectation that it reduces the tax payable on your income as well, so it saves you some income tax. It does mean by putting the funds into super, once we claim that notice of intent, your super fund does pay tax on that.\n\nEssentially, it's about $780, but you end up saving more than what is taxed inside super, so it provides you with a much greater effect. Okay? Beautiful. Did you have any questions about how that works, or did you want me to go into more detail there? Or no.\n\nThat's okay. Yeah. That's okay. As you once you you've once I've gone through this with you this afternoon, you'll get some time to go back and have a really good read of it. So run your eyes over the information there.\n\nWe've got the recommendation outlined. You'll see on each those pages there, we've also got a best interest duty. So this is essentially how tying this recommendation is in your best interest, how we tie it back to your goals, and how this is working harder for you at the end of the day. We also outlined there the advantages, the disadvantages, and the risks involved and any alternatives that we've considered as well. So you'll be able to go back and have a really good review of the entire document, have a bit of a read through it.\n\nIt's sometimes it's easier when I'm not sort of talking at you for you to run your eyes over it and take it all in. And then let me know if you do have questions. As as I said, there's no such thing as a silly question. If it's something you're curious about or you want me to kinda go into more detail for you, I'm absolutely happy to do so. Part of what I love about my job isn't just being able to say this is what I'm gonna do to help you and help you to meet your goal.\n\nIt's also the educational value as well because it's you've worked really hard all your life thus far, and you've got a lot of life left to work. And this is part of your income, so you wanna make sure it's been looked after correctly. You wanna make sure that it's working for you so that when you get to the year that you wanna retire, you get to retire. You get to access your money, and you get to enjoy the life that you've always wanted and worked so hard for. So, you know, that's really important to me, and making sure that this is working harder for you is just as important.\n\nOkay? Yeah. Beautiful. Beautiful. Essentially, that's most of the recommendations there.\n\nIt is a nice easy one for you. We do also put in there that we do recommend making sure that you do have a will and power of attorney in place. Your beneficiaries were in place, and we confirmed you were happy with those. But we do find it's important to also look to, you know, make sure that you are aware of how important having a will and power of attorney is. We don't do those.\n\nWe can refer you to a solicitor for the setting up of those. And I would suggest if you also do have a local solicitor that you're comfortable with, it's absolutely fine to meet with them. Again, estate planning is another very critical error, but it's also making sure that you're comfortable having those conversations with the person that's throwing your will up. So sorry. You don't have to by any means.\n\nWe recommend that you do have a will and power of attorney, but there's no rule that says you have to. Yeah. The other thing to sorta consider is that if you were to pass away as much as sorry. As much as everything under most state laws does go to your wife, there's a point of a a certain process of probate to go through. And I have seen in the past where, you know, a spouse has passed away, everything has to go through probate anyway.\n\nIt doesn't automatically go to her. And it does mean that going through probate means that other people can come forward and and place a stake on the claim. There's no guarantees they're gonna get it, but they're allowed to come forward and make a claim for, you know, a part of your estate. And I have seen parts of the state being passed off to people where they really weren't entitled. It wasn't where it wasn't where the person wanted their estate to be passed off to, and it can mean that things are distributed unevenly as well.\n\nSo no. That's okay. So everything else is ending in your name. So your bank accounts, your super and your life insurance is all covered under your beneficiary, so that's absolutely fine. But things like your bank accounts, anything with your name on it, cars, boats, caravans, contents, might they have family heirlooms or tools of trade or things like that.\n\nSo a lot of those bits and pieces because once you pass away, your family has to gather essentially all of your assets, and they do a final tax return for you. So they have to kinda correlate everything and put it together, and it's called the estate. And that's just correlating all the information on all the assets you have, all your bank accounts, any investments you might have, any money stashed away or anything that might be sold off or considered point of value, and your estate has to do a final tax return once you've passed away, and then it all goes through probate. So it is quite a lengthy process. Most of the time, you know, things just go straight to your spouse.\n\nThe judge goes, right. Cool. No one's really stuck your claim. No one's entitled or anything. Goes straight to the spouse.\n\nAbsolutely fine. But there are those instances where families can come forward, past partners, you know, relatives you may not speak to, stake a claim, and if their claim is good enough or if the judge deems that viable under yeah. They can pass off some of your estate. So it's not guaranteed by any means. It could be a lot more of a straightforward process than, you know, what I've kinda gone through.\n\nHowever, I have seen it go both ways. And having something like a will kit, you can even go to the post office and just purchase the will kit. I think I saw them in there the other day for about $35 now. And you just go through the will kit. You just fill it out as per the instructions noting who you want to have what, and then make sure someone knows where it's located, your wife or your kids or someone that you trust knows where that will kit is set, and just make sure it's all done as per the instructions.\n\nAnd then at least you've got a will in place. It's a much cheaper way than going to speak to a solicitor, and it can be just as effective as well, but it's just about making sure your your wishes are adhered to. Does that make sense? Yeah. Yeah.\n\nIt's it's a really interesting process because, I mean, I've seen a lot of people and a lot of people do say to me, I've got nothing. I don't think I've got anything. It's not worth anything. But when you sort of think about passing away, a lot of things can come to play. A lot of people, you know, you may never spoken to for years might decide, hey.\n\nI want a piece of that or I deserve something. And probate can go for as little as a couple of weeks or a month, or it can go for years depending on what happens. And I've seen probate go for, you know, two or three years even when clients didn't think they had anything at all. And it's just going on at such a long lengthy cost that there was nothing left to hand off at the end anyway. So, yeah, it's really hard to say what could happen, but having a power of attorney in place is important because if you have a car accident or you're in a a medical incapacity or something happens to you where you can't make decisions, then you've appointed someone who can follow your direction.\n\nTo give you a bit of an example, my mom is a really good case where I'm her power of attorney. It's in the documents that, you know, what she wants to happen if, say, she's medically incapacitated and can't make decisions, I've got a list of questions I have to ask the doctor. If I get yes to all of them, I have to pull the plug. So it's just about making sure that people know what your wishes are. You might not want to be resuscitated if there's a certain point, you know, where you're gonna be a vegetable.\n\nYou might wanna be resuscitated. But just making sure that someone knows what your wishes are and what you want to happen in certain instances, and then the will to protect your estate and make sure that anything is distributed as per how you want your money, your valuables, to be distributed after passing. Okay. Yeah. Yeah.\n\nIt's a bit different when you think of it about that, isn't it? Most of us look at things and go, yeah. It's probably not really anything anyone wants here, but, you you know, you just never know. I know when my grandmother, when she was alive and went in into aged care, she didn't think anyone wanted anything, and she said, oh, come and put stickers on the things that you want. And everyone turned up putting stickers on everything.\n\nSo it just just kinda goes to show that you may have a lot more valuable a lot more valuable items or a lot more to that is valuable to some of your family members than what it was to you. Yeah. Yeah. So something to think about. But as I said, there's not it's just a recommendation.\n\nAs part of these advice documentation, we just make recommendations letting you know what we're recommending. You don't have to take them. You don't have to get a will done up. You don't have to have a power of attorney. We just like to make sure that we are ticking that box and letting you know the importance of doing so.\n\nAnd if you decide to go and do that, absolutely. If you don't, that's completely your decision. Okay? Yeah. All good.\n\nSometimes it's good just to have the conversation with your family as well just so to see what their thoughts are around it all. Yeah. Yeah. On page 37, when you get to the bottom, you'll see the remuneration side of things. So the advice that we do provide, because you're an ongoing client, you pay the ongoing service fee of 1.65% per annum.\n\nThat essentially means that we're providing advice. So we don't charge any implementation fees or upfront fees for new advice. That's all inclusive of what you're paying us to do. We're here to help you work towards your goals and provide advice to work along those lines for you. So there's no one no other fees for providing the advice to you.\n\nWe do also like to make sure you're aware that you we do receive remuneration from Neos for the insurances. It's 22% ongoing, so it's estimated based on the current premium. We'll receive about $533 this year. That's all disclosed on page number 37 for you. All the we just like to make sure you're aware of everything that you are paying and what it looks like for you, And our job is to help work towards your goals and work in your best interest, and that's why we have the best interest duty in the advice document.\n\nIt's outlining how our recommendations are made in in line with best interest duty and how they're here to meet your goals and why they're in your best interest to do so. Okay. Beautiful. Look. I've rambled on a lot about everything.\n\nEssentially, if you decide you're comfortable taking the advice to make this work for you, how it will be implemented is that we'll start you'll sign the document to begin with. We'll then do the investment switch in the background, change the investments for you. You might get notifications that we're doing that in the back end, but you won't have to do anything. I'll then give you the information on how to make the contribution. I can even send that to you this afternoon after the call just a bit with the the details on how to make those contributions into super so you can start that.\n\nAnd then myself and my admin team here, we will make a little notice to when we do the notice of intent, whether it's at the end of the financial year or whether we need to do one beforehand. We'll take care of that, let you know when we're sending it to you, get you to sign them, and we'll make sure they're submitted and added to the super fund for you. Okay? All good. All good.\n\nDo you have any questions? Is there anything that you might wanna ask at the moment? No? Beautiful. All good.\n\nAll all good. Well, look, I've rambled on a lot there for you, so I will let you go. You're welcome to have a bit of time to read through that one. I'll get that email this afternoon with the contributions details for your fund to make it a bit easier on you. And if you find after you've read it over that any questions do come up, feel free to let me know.\n\nIf after you've read it through, you're fairly comfortable with it all, we'll just get you to sign and return it back, and we can get started on implementing that for you. And we can do a catch up in a few months as well to see how things are tracking. Does that sound okay? Yeah. Beautiful.\n\nYeah. So on your Superfund app? Yep. Yeah. You will.\n\nYeah. So you should be able to see the transactions. And in the transactions, you'll see the contributions showing up. But if you ever get stuck, let me know. We can always do a bit of a catch up and and print out anything or email anything you need.\n\nBut, yeah, in the transactions, you'll see those contributions being received and invested. Yeah. Yep. Fantastic. Oh, good.\n\nIs there anything that you might want me to kinda go through in a bit more detail, or you're happy with just that that's enough for today? Oh, fantastic. Oh, good. Well, I'm very much looking forward to helping you moving forward. As I said, I've put you on my book, so I'll be your adviser moving forward.\n\nI do work under Sevi. I have worked with Sevi for a very long time. It's just about making sure that we're able to provide that service. And as the licensee, it's obviously very hard for him to continuously make calls as well as look after the business. So I've taken on a lot of his older clients and making sure that we're working harder for you, and we'll look to make sure we do catch ups.\n\nWhen we did your annual review, you said you were pretty comfortable with the six monthly catch up. Do you still feel that's fairly comfortable for you? Yep. Beautiful. Yeah.\n\nYeah. Absolutely. Yeah. Yeah. Of course.\n\nYeah. Oh, thank you. Yeah. Yeah. Beautiful.\n\nWell, if you ever have those concerns again or if you find I'm not living up to the expectation, please let me know. I'll do everything I can to make sure I live up to the expectation. And look so we'll set a catch up for in six months' time from today. And if anything comes up and you just want an extra catch up here or there or there's an ad hoc thing or a random question, you let me know. I don't work Fridays, but I work really early in the morning.\n\nSo generally from 07:30 to about six, 07:00 at night, Monday to Thursday, and I'll happily speak to you after work if we need to. If you really need me on a Friday, I'll make sure I've got time for you then as well. So at the end of the day, I work for you now, Jason. So you let me know what you need, and I will make sure that I'm here to support you. Okay?\n\nAmazing. Well, thank you so much for your time. I'll let you go to have a look at everything. If there's any questions that of any of that, you let me know. Okay?\n\nFantastic. Thank you so much. It's been a pleasure to put this together for you, and I hope you have a good relaxing evening. Oh, good. I'll let you go, but thank you for your time.\n\nI hope you have a wonderful rest of your week. Thanks, Jason. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Jason.","start":3.04,"end":3.84,"sentiment":"neutral","sentiment_score":0.20870395749807358},{"text":"It's Dana from Oakey Financial.","start":3.84,"end":5.2799997,"sentiment":"neutral","sentiment_score":0.2546366721391678},{"text":"How are you today?","start":5.2799997,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.29002106189727783},{"text":"That's good.","start":7.9199996,"end":8.48,"sentiment":"positive","sentiment_score":0.6853029429912567},{"text":"I had you booked in to go through your updated statement of advice.","start":8.48,"end":11.36,"sentiment":"positive","sentiment_score":0.38105766819073605}],"sentiment":"positive","sentiment_score":0.3528858113747377,"num_words":26,"start":3.04,"end":11.36},{"sentences":[{"text":"Is now still a good time there for you?","start":11.36,"end":13.46,"sentiment":"neutral","sentiment_score":0.3104257682959239},{"text":"Yeah.","start":15.585,"end":15.905,"sentiment":"neutral","sentiment_score":0.24353976547718048},{"text":"All good.","start":15.905,"end":16.645,"sentiment":"neutral","sentiment_score":0.2861699163913727},{"text":"That's okay.","start":19.425,"end":20.225,"sentiment":"neutral","sentiment_score":0.24844126403331757},{"text":"You're not a problem at all.","start":20.225,"end":21.904999,"sentiment":"positive","sentiment_score":0.3932146032651265}],"sentiment":"neutral","sentiment_score":0.32329408302903173,"num_words":20,"start":11.36,"end":21.904999},{"sentences":[{"text":"I'm very flexible.","start":21.904999,"end":22.885,"sentiment":"positive","sentiment_score":0.37250693639119464},{"text":"Always make sure I work around and then look yourself employed now.","start":22.945,"end":25.985,"sentiment":"neutral","sentiment_score":0.23643110444148382},{"text":"So it's important that you take the work when you've got it, so not an issue at all.","start":25.985,"end":30.61,"sentiment":"neutral","sentiment_score":0.22706936713722017},{"text":"No.","start":34.43,"end":34.67,"sentiment":"neutral","sentiment_score":-0.04684806615114212},{"text":"It's 05:00 here now.","start":34.67,"end":35.87,"sentiment":"neutral","sentiment_score":-0.017692252062261105}],"sentiment":"neutral","sentiment_score":0.20853488411950438,"num_words":38,"start":21.904999,"end":35.87},{"sentences":[{"text":"We're off there on savings now.","start":35.87,"end":37.57,"sentiment":"neutral","sentiment_score":-0.006418289927144845},{"text":"Yeah.","start":39.405,"end":39.905,"sentiment":"neutral","sentiment_score":0.05212089791893959},{"text":"No.","start":41.325,"end":41.645,"sentiment":"neutral","sentiment_score":-0.03978436440229416},{"text":"So I actually live in New South Wales.","start":41.645,"end":43.405,"sentiment":"neutral","sentiment_score":-0.005074217217043042},{"text":"So I live on New South Wales times during daylight savings, which is very similar to yourself.","start":43.405,"end":48.225,"sentiment":"neutral","sentiment_score":0.018397884114700204}],"sentiment":"neutral","sentiment_score":0.007454457156585924,"num_words":33,"start":35.87,"end":48.225},{"sentences":[{"text":"And then I work in Queensland here and come to work on the Gold Coast.","start":48.845,"end":52.605,"sentiment":"neutral","sentiment_score":0.014336462939778964},{"text":"So I kind of move between time zones a bit like you probably sometimes have to do.","start":52.605,"end":57.079998,"sentiment":"neutral","sentiment_score":-0.012765428215703544},{"text":"Yeah.","start":58.899998,"end":59.379997,"sentiment":"neutral","sentiment_score":0.0428839698433876},{"text":"No.","start":59.379997,"end":59.78,"sentiment":"neutral","sentiment_score":0.04519685357809067},{"text":"All good.","start":59.78,"end":60.42,"sentiment":"neutral","sentiment_score":0.1641162857413292}],"sentiment":"neutral","sentiment_score":0.011509668314829469,"num_words":36,"start":48.845,"end":60.42},{"sentences":[{"text":"All good.","start":60.42,"end":61.239998,"sentiment":"neutral","sentiment_score":0.20568257570266724},{"text":"Jason, I've got a copy of your document to send through to you so you can run through it with me and have a look at it.","start":61.46,"end":66.82,"sentiment":"neutral","sentiment_score":0.1182013029853503},{"text":"Do you have access to your email, sir, at the moment?","start":66.82,"end":69.14,"sentiment":"neutral","sentiment_score":0.024814815853129734},{"text":"If you don't, that's okay.","start":69.14,"end":70.125,"sentiment":"neutral","sentiment_score":-0.005936254328116774},{"text":"I can always go through it for you.","start":70.125,"end":72.384995,"sentiment":"neutral","sentiment_score":0.06699126772582531}],"sentiment":"neutral","sentiment_score":0.08267947502943845,"num_words":53,"start":60.42,"end":72.384995},{"sentences":[{"text":"Yeah.","start":72.924995,"end":73.405,"sentiment":"neutral","sentiment_score":0.100268617272377},{"text":"That's alright.","start":73.405,"end":74.225,"sentiment":"neutral","sentiment_score":0.12019015103578568},{"text":"Is it easy for you to be able to go in and have a look at that, or is it not preferable?","start":74.604996,"end":79.185,"sentiment":"neutral","sentiment_score":0.059594445269216194},{"text":"Yeah.","start":79.645,"end":80.145,"sentiment":"neutral","sentiment_score":0.08732395619153976},{"text":"Beautiful.","start":80.365,"end":80.865,"sentiment":"neutral","sentiment_score":0.3047361969947815}],"sentiment":"neutral","sentiment_score":0.07569580994270465,"num_words":27,"start":72.924995,"end":80.865},{"sentences":[{"text":"What I'll do is I'll just send it through to you then now.","start":81.325,"end":84.145,"sentiment":"neutral","sentiment_score":0.14582384549654448},{"text":"Just double checking.","start":84.524994,"end":85.49,"sentiment":"neutral","sentiment_score":0.11408731838067372},{"text":"Your email address I have here is jason1jzed@hotmail.com.","start":85.49,"end":91.17,"sentiment":"neutral","sentiment_score":0.08170663751661777},{"text":"Is that right?","start":91.17,"end":91.99,"sentiment":"neutral","sentiment_score":0.0782833993434906},{"text":"Yep.","start":93.17,"end":93.67,"sentiment":"neutral","sentiment_score":0.17100843787193298}],"sentiment":"neutral","sentiment_score":0.11776727437973022,"num_words":28,"start":81.325,"end":93.67},{"sentences":[{"text":"Fantastic.","start":93.729996,"end":94.229996,"sentiment":"positive","sentiment_score":0.4145873785018921},{"text":"Okay.","start":95.09,"end":95.59,"sentiment":"neutral","sentiment_score":0.18540772795677185},{"text":"So I'm just sending this one through to you.","start":96.049995,"end":100.58501,"sentiment":"neutral","sentiment_score":0.09897503919071621},{"text":"Sorry.","start":102.325005,"end":102.825005,"sentiment":"neutral","sentiment_score":-0.002222590148448944},{"text":"My computer's a little bit slow this afternoon.","start":102.885,"end":105.225006,"sentiment":"neutral","sentiment_score":-0.24071675539016724}],"sentiment":"neutral","sentiment_score":-0.02185930870473385,"num_words":20,"start":93.729996,"end":105.225006},{"sentences":[{"text":"There we go.","start":107.365005,"end":108.265,"sentiment":"neutral","sentiment_score":-0.15696203211943308},{"text":"Oh, sorry.","start":119.700005,"end":120.740005,"sentiment":"neutral","sentiment_score":-0.14718294888734818},{"text":"I'm it's a little bit telling me there's an issue with sending this through.","start":120.740005,"end":127.854996,"sentiment":"neutral","sentiment_score":-0.2438065250005041},{"text":"I might have to go back out and resend it.","start":127.854996,"end":132.575,"sentiment":"neutral","sentiment_score":-0.1946816325187683},{"text":"I do apologize.","start":132.575,"end":133.475,"sentiment":"neutral","sentiment_score":-0.11195377508799235}],"sentiment":"neutral","sentiment_score":-0.20191315608099103,"num_words":32,"start":107.365005,"end":133.475},{"sentences":[{"text":"Love technology when it wants to work.","start":134.655,"end":136.83499,"sentiment":"neutral","sentiment_score":0.08474582859448024},{"text":"All good.","start":139.43001,"end":140.17,"sentiment":"neutral","sentiment_score":0.2569085955619812},{"text":"Let's see if this works for us.","start":140.31,"end":141.83,"sentiment":"neutral","sentiment_score":0.14028216366256988},{"text":"Beautiful.","start":141.83,"end":142.33,"sentiment":"positive","sentiment_score":0.34546592831611633},{"text":"That's better.","start":143.19,"end":144.01001,"sentiment":"neutral","sentiment_score":0.03953263722360134}],"sentiment":"neutral","sentiment_score":0.132291807351928,"num_words":19,"start":134.655,"end":144.01001},{"sentences":[{"text":"Other than how's how's your day been otherwise?","start":144.71,"end":147.13,"sentiment":"neutral","sentiment_score":-0.008768308267462999},{"text":"Yeah.","start":149.51001,"end":150.01001,"sentiment":"neutral","sentiment_score":0.02667383849620819},{"text":"All good.","start":151.285,"end":152.02501,"sentiment":"neutral","sentiment_score":0.19935346394777295},{"text":"And how's things sort of being since you're getting back to work and getting back into everything?","start":152.085,"end":156.585,"sentiment":"neutral","sentiment_score":0.03327504611190628},{"text":"Yeah.","start":158.565,"end":158.965,"sentiment":"neutral","sentiment_score":0.18453551828861237}],"sentiment":"neutral","sentiment_score":0.03811881387734722,"num_words":29,"start":144.71,"end":158.965},{"sentences":[{"text":"Oh, that's good.","start":158.965,"end":159.845,"sentiment":"positive","sentiment_score":0.35433076818784076},{"text":"You said last time we spoke that work's been picking up nicely for you as well.","start":159.845,"end":163.545,"sentiment":"neutral","sentiment_score":0.32738226279616356},{"text":"Well, fantastic.","start":164.73001,"end":165.55,"sentiment":"positive","sentiment_score":0.5238175094127655},{"text":"That's really good to hear.","start":165.69,"end":167.07,"sentiment":"positive","sentiment_score":0.5864344120025635},{"text":"Excellent.","start":167.21,"end":167.71,"sentiment":"positive","sentiment_score":0.5152430534362793}],"sentiment":"positive","sentiment_score":0.39985772746580617,"num_words":27,"start":158.965,"end":167.71},{"sentences":[{"text":"All good.","start":169.13,"end":169.95,"sentiment":"positive","sentiment_score":0.36756712198257446},{"text":"Sorry.","start":170.89,"end":171.21,"sentiment":"neutral","sentiment_score":0.09951679408550262},{"text":"It won't be two seconds.","start":171.21,"end":172.25,"sentiment":"neutral","sentiment_score":0.012376216053962708},{"text":"I'm just reattaching a few additional documents there, and it should be fine to go.","start":172.25,"end":176.75,"sentiment":"neutral","sentiment_score":0.10211233248313269},{"text":"Love technology.","start":177.25499,"end":178.235,"sentiment":"neutral","sentiment_score":0.15848103538155556}],"sentiment":"neutral","sentiment_score":0.10980716705322266,"num_words":25,"start":169.13,"end":178.235},{"sentences":[{"text":"Love everything when it wants to work.","start":178.295,"end":179.89499,"sentiment":"neutral","sentiment_score":0.1081030283655439},{"text":"When it doesn't tell you what.","start":179.89499,"end":181.83499,"sentiment":"neutral","sentiment_score":-0.01210134414335092},{"text":"Beautiful.","start":185.25499,"end":185.75499,"sentiment":"positive","sentiment_score":0.33826079964637756},{"text":"Okay.","start":186.375,"end":186.875,"sentiment":"neutral","sentiment_score":0.2134891003370285},{"text":"And this one's there.","start":189.92,"end":191.78,"sentiment":"neutral","sentiment_score":0.23581308498978615}],"sentiment":"neutral","sentiment_score":0.11469028282322381,"num_words":19,"start":178.295,"end":191.78},{"sentences":[{"text":"Fantastic.","start":192.96,"end":193.46,"sentiment":"positive","sentiment_score":0.5950487852096558},{"text":"Now that's on its way to you, Jason.","start":193.52,"end":195.04,"sentiment":"positive","sentiment_score":0.36916903406381607},{"text":"So default is coming through.","start":195.04,"end":196.4,"sentiment":"neutral","sentiment_score":0.1675847589969635},{"text":"I will just let you know moving forward as we go through the advice document, we do record our calls for quality and training purposes.","start":196.4,"end":202.56,"sentiment":"neutral","sentiment_score":0.18397413671016694},{"text":"Are you happy for me to proceed with that moving forward?","start":202.56,"end":205.22,"sentiment":"neutral","sentiment_score":0.2193338545885953}],"sentiment":"neutral","sentiment_score":0.22796701341867448,"num_words":50,"start":192.96,"end":205.22},{"sentences":[{"text":"Yep.","start":206.695,"end":207.175,"sentiment":"neutral","sentiment_score":0.22517280280590057},{"text":"Fantastic.","start":207.175,"end":207.675,"sentiment":"positive","sentiment_score":0.42468035221099854},{"text":"And then also just to go through and do security day with you as well, I'll just get you to confirm your full name, your date of birth, and address I should have on file.","start":208.05501,"end":215.115,"sentiment":"neutral","sentiment_score":0.159446197109563},{"text":"Yep.","start":217.91,"end":218.41,"sentiment":"neutral","sentiment_score":0.044033437967300415},{"text":"Yep.","start":219.83,"end":220.33,"sentiment":"neutral","sentiment_score":0.028973456472158432}],"sentiment":"neutral","sentiment_score":0.1616276140587452,"num_words":39,"start":206.695,"end":220.33},{"sentences":[{"text":"Your address.","start":222.55,"end":223.51001,"sentiment":"neutral","sentiment_score":0.00938453245908022},{"text":"Sorry.","start":223.51001,"end":224.01001,"sentiment":"neutral","sentiment_score":0.011535164900124071},{"text":"Fantastic.","start":226.87001,"end":227.37001,"sentiment":"positive","sentiment_score":0.406621366739273},{"text":"Thank you so much for that.","start":227.59001,"end":229.03,"sentiment":"positive","sentiment_score":0.47409356633822125},{"text":"So, hopefully, that should pop through to you in just in just a moment there.","start":229.03,"end":232.97,"sentiment":"neutral","sentiment_score":0.2773137629032135}],"sentiment":"neutral","sentiment_score":0.2976477375254035,"num_words":25,"start":222.55,"end":232.97},{"sentences":[{"text":"When you do, when you open up the email there, it's supposed to say statement of of advice with your name on the front of it there and then has all my adviser information on the bottom of the first page for you.","start":233.315,"end":243.47499,"sentiment":"neutral","sentiment_score":0.11422742296789967},{"text":"Okay.","start":243.47499,"end":243.97499,"sentiment":"neutral","sentiment_score":0.04215105250477791},{"text":"Fantastic.","start":246.12999,"end":246.62999,"sentiment":"positive","sentiment_score":0.8031400442123413},{"text":"Now with that one there, I have also made it as an attachment to the documents there.","start":247.17,"end":252.06999,"sentiment":"neutral","sentiment_score":0.29192878831835356},{"text":"But for you to be able to review this one, it will ask you just to agree or press the sign button so you can move forward.","start":252.20999,"end":258.38998,"sentiment":"neutral","sentiment_score":0.13979157170763723}],"sentiment":"neutral","sentiment_score":0.16285654069500022,"num_words":89,"start":233.315,"end":258.38998},{"sentences":[{"text":"But it should just let you scroll up and down through the document there.","start":258.645,"end":262.025,"sentiment":"neutral","sentiment_score":0.11658505031040736},{"text":"Fantastic.","start":263.525,"end":264.025,"sentiment":"positive","sentiment_score":0.6805716156959534},{"text":"What I'll get you to do to make it easier, I'll let you go back and have a really good read of the document after the call, but just to run through the things that I need to run through with you.","start":264.645,"end":272.01,"sentiment":"neutral","sentiment_score":0.284008227288723},{"text":"If you can scroll down to page number 20 there for me, you'll see all the investment tables.","start":272.01,"end":277.79,"sentiment":"neutral","sentiment_score":0.08078251365158293},{"text":"Perfect.","start":280.97,"end":281.47,"sentiment":"positive","sentiment_score":0.37383225560188293}],"sentiment":"neutral","sentiment_score":0.21143454430918945,"num_words":76,"start":258.645,"end":281.47},{"sentences":[{"text":"There we go.","start":285.785,"end":286.665,"sentiment":"neutral","sentiment_score":0.21463005741437277},{"text":"Fantastic.","start":286.665,"end":287.165,"sentiment":"positive","sentiment_score":0.6179300546646118},{"text":"Now when we sort of spoke, we did talk about and had a bit of a look at your portfolio.","start":287.465,"end":291.245,"sentiment":"neutral","sentiment_score":0.1305136613547802},{"text":"Now everything had been performing really nicely there, but we did wanna go back and just review things to make sure that you were invested in a growth portfolio, which essentially sees about 80% in those growth assets.","start":291.305,"end":301.9,"sentiment":"neutral","sentiment_score":0.11585723098955657},{"text":"So it's things like Australian shares, international shares, listed property, and commodities.","start":301.9,"end":306.15997,"sentiment":"neutral","sentiment_score":0.0722505363325278}],"sentiment":"neutral","sentiment_score":0.12353614415671374,"num_words":74,"start":285.785,"end":306.15997},{"sentences":[{"text":"And we had noted that one of those investments that have been along Australian equities have been underperforming a bit.","start":306.53998,"end":311.65997,"sentiment":"neutral","sentiment_score":-0.19279098212718965},{"text":"So we talked about going back and just readjusting your portfolio and maybe rebalancing a little bit as well to make sure that you're not taking on too much risk because of all that volatility that we have sort of seen over the past few months there.","start":311.65997,"end":323.695,"sentiment":"neutral","sentiment_score":-0.09679711520414244},{"text":"So I did go back and have a really good look at your your super fund within Netwealth there and the investments that you invested in.","start":323.99503,"end":331.24,"sentiment":"positive","sentiment_score":0.41081711592582554},{"text":"As a whole, Netwealth itself is a great super fund.","start":332.02,"end":334.74,"sentiment":"positive","sentiment_score":0.7435458540916443},{"text":"There's no real need to change that.","start":334.74,"end":336.26,"sentiment":"neutral","sentiment_score":0.19157276834760392}],"sentiment":"neutral","sentiment_score":0.10047662614802406,"num_words":110,"start":306.53998,"end":336.26},{"sentences":[{"text":"We did review that and other funds out there.","start":336.26,"end":338.76,"sentiment":"positive","sentiment_score":0.4541719920105404},{"text":"I am recommending that you do stay within Netwealth.","start":338.98,"end":341.4,"sentiment":"positive","sentiment_score":0.506844182809194},{"text":"There's no need to change at the moment.","start":341.78,"end":343.455,"sentiment":"neutral","sentiment_score":0.1392864752560854},{"text":"Down the track, we might find something better.","start":343.51498,"end":345.535,"sentiment":"neutral","sentiment_score":-0.03240111470222473},{"text":"But the other thing to consider when we do look at switching in some super funds and switching investments, your super fund, just like you, does a tax return every year, so we do need to take into account the kind of tax consequences that your fund would need to, essentially cover or pay for at the end of the day.","start":345.995,"end":361.75,"sentiment":"neutral","sentiment_score":0.029297751420345464}],"sentiment":"neutral","sentiment_score":0.11885675046789018,"num_words":95,"start":336.26,"end":361.75},{"sentences":[{"text":"So, by staying within Netwealth, that does mean that your fund, doesn't have to pay a huge amount of capital gains or tax for moving the funds.","start":361.75,"end":370.06998,"sentiment":"neutral","sentiment_score":0.30216553972827065},{"text":"It's also a lot easier for you as well.","start":370.06998,"end":372.33,"sentiment":"positive","sentiment_score":0.7055137289894952},{"text":"I mean, there's there's no real major changes that Netwealth has seen that puts you at a disadvantage.","start":372.925,"end":378.465,"sentiment":"negative","sentiment_score":-0.42866258576719296},{"text":"It is in in best interest, the remaining Netwealth there at the moment.","start":378.925,"end":382.54498,"sentiment":"neutral","sentiment_score":-0.21955819542591387},{"text":"Okay?","start":382.685,"end":383.185,"sentiment":"neutral","sentiment_score":-0.023845545947551727}],"sentiment":"neutral","sentiment_score":0.05755977210698321,"num_words":68,"start":361.75,"end":383.185},{"sentences":[{"text":"I did have a look at the investments, and you'll see we've got the red and the green there.","start":384.365,"end":388.125,"sentiment":"neutral","sentiment_score":0.06161929274860181},{"text":"So, essentially, we are looking to do a bit of a switch.","start":388.125,"end":390.66,"sentiment":"neutral","sentiment_score":0.08416458902259667},{"text":"We'll be getting rid of all of the BAN along Australian equity.","start":390.66,"end":393.54,"sentiment":"neutral","sentiment_score":-0.026274926650027435},{"text":"You'll see that one there is nice and red and all sold down to zero.","start":393.54,"end":396.84,"sentiment":"neutral","sentiment_score":0.12835864027341207},{"text":"But then we're also gonna make just a few additional changes there.","start":397.62,"end":400.66,"sentiment":"neutral","sentiment_score":0.06016409241904815}],"sentiment":"neutral","sentiment_score":0.06446844605462891,"num_words":70,"start":384.365,"end":400.66},{"sentences":[{"text":"So you'll see the physical gold.","start":400.66,"end":403.495,"sentiment":"neutral","sentiment_score":0.07871311840911706},{"text":"We're not gonna sell all of that.","start":403.495,"end":404.775,"sentiment":"neutral","sentiment_score":-0.16147259729249136},{"text":"Just rebalance you back a little bit.","start":404.775,"end":406.53497,"sentiment":"neutral","sentiment_score":-0.012368286294596536},{"text":"You've got about 12.66% of your portfolio on physical gold at the moment.","start":406.53497,"end":410.85498,"sentiment":"neutral","sentiment_score":0.041332064339747794},{"text":"So just selling some back and cementing some of the gains that it has been and having those gains redistributed elsewhere and bringing you back to about 10% there is preferable.","start":410.85498,"end":420.29,"sentiment":"neutral","sentiment_score":0.13427932512375615}],"sentiment":"neutral","sentiment_score":0.06180263188434765,"num_words":64,"start":400.66,"end":420.29},{"sentences":[{"text":"We've also got the Vanguard fixed interest fund.","start":421.38998,"end":424.03,"sentiment":"neutral","sentiment_score":0.27148892916738987},{"text":"We're essentially just rebalancing and altering the portfolio.","start":424.03,"end":426.83,"sentiment":"neutral","sentiment_score":0.1855480894446373},{"text":"We're gonna sell all of that off, bring it down to zero there, and redistribute the the funds through some other investments.","start":426.83,"end":433.525,"sentiment":"neutral","sentiment_score":0.15599543465809387},{"text":"And then we've also got the iShares miscue europe European one there.","start":433.825,"end":438.225,"sentiment":"neutral","sentiment_score":0.15812924380103746},{"text":"We're gonna sell all of that down for you to zero and distribute the funds elsewhere.","start":438.225,"end":442.405,"sentiment":"neutral","sentiment_score":0.13877994986250997}],"sentiment":"neutral","sentiment_score":0.1697913005270741,"num_words":66,"start":421.38998,"end":442.405},{"sentences":[{"text":"Once we've completed those sell downs, we're actually going to, a, keep 10% in the physical gold, but we're also going to buy a bit more into the beta shares cybersecurity, so you'll have about 5% invested there.","start":442.865,"end":456.08,"sentiment":"neutral","sentiment_score":0.14217274283107958},{"text":"The iShares European exposure will buy into that.","start":456.38,"end":459.595,"sentiment":"neutral","sentiment_score":0.10142099764198065},{"text":"You currently have about 5% there at the moment.","start":459.595,"end":461.755,"sentiment":"neutral","sentiment_score":0.11077296568287744},{"text":"We'll bring you up to 8% total over your portfolio.","start":461.755,"end":464.495,"sentiment":"neutral","sentiment_score":0.2459085240960121},{"text":"The iShares Mitsubishi Japan will buy a bit more of that as well, make sure you've got 5% distributed, and the iShares S and P 500.","start":465.51498,"end":474.62,"sentiment":"neutral","sentiment_score":0.17824344107737908}],"sentiment":"neutral","sentiment_score":0.15719014954763455,"num_words":91,"start":442.865,"end":474.62},{"sentences":[{"text":"So we'll bring you back up to about 30% and buy a little bit more in there.","start":474.62,"end":478.96,"sentiment":"neutral","sentiment_score":0.2495611274943632},{"text":"And then you've got the Vanguard All World ex US.","start":479.42,"end":482.62,"sentiment":"neutral","sentiment_score":0.17922461926937103},{"text":"This is just sort of giving you diversified exposure to the entire globe except The US.","start":482.62,"end":488.08002,"sentiment":"neutral","sentiment_score":0.2188299521803856},{"text":"We don't need to buy into The US with this investment because we have it with the the S and P 500 exposure there.","start":488.54498,"end":494.94498,"sentiment":"neutral","sentiment_score":0.09712689851100247},{"text":"So one of the biggest things that's been able to mitigate risk and and look at ways to diversify your portfolio is to make sure we're getting exposure into not only some of the largest companies and already set set companies and set sorry.","start":494.94498,"end":511.84003,"sentiment":"neutral","sentiment_score":0.2671312448483976}],"sentiment":"neutral","sentiment_score":0.21280076515835686,"num_words":111,"start":474.62,"end":511.84003},{"sentences":[{"text":"I'm looking for a set word.","start":511.84003,"end":512.96,"sentiment":"neutral","sentiment_score":0.03555472784986099},{"text":"I can't think of it.","start":512.96,"end":514.10004,"sentiment":"neutral","sentiment_score":0.024366076546721162},{"text":"Set markets, but also taking advantage of those up and coming as well.","start":515.30505,"end":519.325,"sentiment":"neutral","sentiment_score":0.13644186665232366},{"text":"And the Vanguard All World ex US investment gives you exposure to all those sorts of market set.","start":519.465,"end":525.405,"sentiment":"neutral","sentiment_score":0.19061478310161167},{"text":"It is, as I said, exception not investing into The US for that investment, and that's because we have the S and P 500 already in there, and we wanna keep that.","start":525.86505,"end":534.91003,"sentiment":"neutral","sentiment_score":0.10974292340688407}],"sentiment":"neutral","sentiment_score":0.12232084677246324,"num_words":74,"start":511.84003,"end":534.91003},{"sentences":[{"text":"I know there has been a lot of ups and downs with the The US and with what's happening with Iran there as well over the last few months, but The US is still a good place to be.","start":535.05,"end":544.28503,"sentiment":"neutral","sentiment_score":0.025407692083181478},{"text":"And having an exposure into the S and P 500 index over the longer term does generate really good returns as well.","start":544.745,"end":551.405,"sentiment":"positive","sentiment_score":0.48015928268432617},{"text":"Okay?","start":551.54504,"end":552.04504,"sentiment":"neutral","sentiment_score":0.26552778482437134},{"text":"Excellent.","start":553.68,"end":554.18,"sentiment":"positive","sentiment_score":0.6036580204963684},{"text":"Now because we are getting rid of the Bannelong Australian Equities Fund there, we do need to also replace your Australian exposure.","start":554.24,"end":561.3,"sentiment":"neutral","sentiment_score":0.08408088016916405}],"sentiment":"neutral","sentiment_score":0.16792199269813649,"num_words":85,"start":535.05,"end":561.3},{"sentences":[{"text":"So we're gonna use the BetaShares a 200 there.","start":561.68,"end":565.13995,"sentiment":"neutral","sentiment_score":0.24255170590347713},{"text":"This is actually giving you more diversification to help lower the overall risk of your portfolio.","start":565.505,"end":570.245,"sentiment":"positive","sentiment_score":0.3807805872056633},{"text":"So with Banda Long Australian Equities, they tend to hold anywhere from, say, 15 to 30 different investment options, whereas the BetaShares a 200 tracks the top 200 companies on the ASX.","start":570.465,"end":581.99,"sentiment":"neutral","sentiment_score":0.120856050751172},{"text":"So it's it's certainly it's distributing your funds across a large a much greater exposure in the Australian market, helping to diversify, but it's also a cheaper option as well.","start":582.13,"end":592.93,"sentiment":"positive","sentiment_score":0.40312161346276604},{"text":"So the Bannalong was more of a managed fund, and the fund manager was trying to augment to outperform against the market, whereas the BetaShares a 200 investment is more passive.","start":592.93,"end":604.64496,"sentiment":"neutral","sentiment_score":0.19692701545934524}],"sentiment":"neutral","sentiment_score":0.2571291038608652,"num_words":118,"start":561.68,"end":604.64496},{"sentences":[{"text":"It's better to track the indices that it is following, and then as such, it is a bit cheaper as well.","start":604.64496,"end":610.64,"sentiment":"positive","sentiment_score":0.39736979490234736},{"text":"So it does save you an investment fees, which I'll show you below as well.","start":610.64,"end":614.0,"sentiment":"positive","sentiment_score":0.4208771089712779},{"text":"Does that make sense so far?","start":614.0,"end":615.54,"sentiment":"neutral","sentiment_score":0.168817271788915},{"text":"Yeah.","start":617.04,"end":617.54,"sentiment":"neutral","sentiment_score":0.1675637811422348},{"text":"And then because we are getting rid of the Vanguard fixed interest there, we still wanna make sure you do have access and exposure to defensive investments.","start":617.83997,"end":624.825,"sentiment":"neutral","sentiment_score":0.1399690245312673}],"sentiment":"neutral","sentiment_score":0.2802507628819772,"num_words":70,"start":604.64496,"end":624.825},{"sentences":[{"text":"So these are lower risk investments.","start":624.825,"end":626.60504,"sentiment":"neutral","sentiment_score":0.1844128966331482},{"text":"Our growth portfolio generally sees about 20% invested there.","start":626.98505,"end":631.005,"sentiment":"neutral","sentiment_score":0.2245569113228056},{"text":"With the iShares core composite fund, it's looking at a government and corporate funds.","start":631.305,"end":636.28503,"sentiment":"neutral","sentiment_score":0.2254164559500558},{"text":"It also has diversification across the globe and also looks at bank notes and fixed interest and things like that as well.","start":636.47003,"end":642.89,"sentiment":"neutral","sentiment_score":0.238244698128917},{"text":"And we'd see about 14% invested in there, so it's within the very variance of a growth portfolio, which is fine.","start":642.95,"end":649.93,"sentiment":"neutral","sentiment_score":0.2553409600541705}],"sentiment":"neutral","sentiment_score":0.23453977062470382,"num_words":72,"start":624.825,"end":649.93},{"sentences":[{"text":"And it's about making sure that you've got a good a good array and exposure across asset classes, industries, as well as companies to make sure your portfolio is working for you, but that we're also mitigating as much risk as possible as we are doing so.","start":650.04504,"end":664.125,"sentiment":"neutral","sentiment_score":0.26563266474515834},{"text":"Does that make sense so far, Jason?","start":664.125,"end":665.825,"sentiment":"neutral","sentiment_score":0.09903122910431453},{"text":"Yeah.","start":666.58,"end":667.08,"sentiment":"neutral","sentiment_score":0.06991800665855408},{"text":"Yeah.","start":667.14,"end":667.64,"sentiment":"neutral","sentiment_score":0.08233228325843811},{"text":"So those are the changes that we'll essentially make with your portfolio.","start":667.94,"end":670.92,"sentiment":"neutral","sentiment_score":0.12161383964121342}],"sentiment":"neutral","sentiment_score":0.21749367959359112,"num_words":68,"start":650.04504,"end":670.92},{"sentences":[{"text":"And if you scroll down the next page, you'll see we still have to keep a little bit of cash in the account.","start":671.38,"end":675.96,"sentiment":"neutral","sentiment_score":0.08824200118365495},{"text":"Essentially, we just wanna keep 1% cash there.","start":676.34,"end":678.74,"sentiment":"neutral","sentiment_score":0.11487460695207119},{"text":"So about $11,061, the rest of the funds are to be distributed and invested as above there.","start":678.74,"end":686.53503,"sentiment":"neutral","sentiment_score":0.15089530892231884},{"text":"Okay?","start":686.59503,"end":687.09503,"sentiment":"neutral","sentiment_score":0.08535492420196533},{"text":"If you go down to page number 23 for me, this is sort of where you see why we are making the changes that we are.","start":688.67505,"end":695.09503,"sentiment":"neutral","sentiment_score":0.06080963390950973}],"sentiment":"neutral","sentiment_score":0.09573584720492363,"num_words":75,"start":671.38,"end":695.09503},{"sentences":[{"text":"Yeah.","start":698.97003,"end":699.47003,"sentiment":"neutral","sentiment_score":0.06503468006849289},{"text":"It should have the heading fee comparison.","start":700.73,"end":702.59,"sentiment":"neutral","sentiment_score":0.07701180236680168},{"text":"Oh, it might be loading.","start":710.185,"end":711.625,"sentiment":"neutral","sentiment_score":-0.012476193439215421},{"text":"Yeah.","start":711.625,"end":712.125,"sentiment":"neutral","sentiment_score":0.017717473208904266},{"text":"Perfect.","start":719.065,"end":719.565,"sentiment":"positive","sentiment_score":0.549964189529419}],"sentiment":"neutral","sentiment_score":0.07396119947855671,"num_words":15,"start":698.97003,"end":719.565},{"sentences":[{"text":"Yep.","start":722.31,"end":722.81,"sentiment":"positive","sentiment_score":0.381105363368988},{"text":"Excellent.","start":722.87,"end":723.37,"sentiment":"positive","sentiment_score":0.6456056833267212},{"text":"So with this one here, you'll see with the fee comparison table, it shows you your current versus the recommended.","start":723.99005,"end":729.45,"sentiment":"neutral","sentiment_score":0.28707448169589045},{"text":"It's got your balance at the very top there in the current column.","start":729.51,"end":732.165,"sentiment":"neutral","sentiment_score":0.2002392285145246},{"text":"And then underneath that, you can see you're paying administration fees, investment fees, any other fees applicable, your ongoing service fee, and your contributions for sorry.","start":732.40497,"end":741.125,"sentiment":"neutral","sentiment_score":0.09959597914264752}],"sentiment":"neutral","sentiment_score":0.19607878867231432,"num_words":61,"start":722.31,"end":741.125},{"sentences":[{"text":"Your no.","start":741.125,"end":742.32495,"sentiment":"neutral","sentiment_score":-0.017467152327299118},{"text":"There's no contributions at the moment, but you'll see your insurance premiums for the cover that you have with Neosair as well.","start":742.32495,"end":748.36,"sentiment":"neutral","sentiment_score":0.03737016278319061},{"text":"Underneath sorry.","start":748.89996,"end":750.42,"sentiment":"neutral","sentiment_score":-0.017348731867969036},{"text":"You're at yeah.","start":750.42,"end":752.1,"sentiment":"neutral","sentiment_score":-0.020851735956966877},{"text":"Of course.","start":752.1,"end":752.76,"sentiment":"neutral","sentiment_score":0.012400513514876366}],"sentiment":"neutral","sentiment_score":0.02305669780640352,"num_words":31,"start":741.125,"end":752.76},{"sentences":[{"text":"Yes.","start":755.54,"end":756.04,"sentiment":"neutral","sentiment_score":0.006171648856252432},{"text":"So I am.","start":758.355,"end":759.255,"sentiment":"neutral","sentiment_score":-0.0022155074402689934},{"text":"Yeah.","start":761.15497,"end":761.65497,"sentiment":"neutral","sentiment_score":0.02457958832383156},{"text":"Yep.","start":761.715,"end":762.215,"sentiment":"neutral","sentiment_score":0.030445899814367294},{"text":"Oh, yeah.","start":765.275,"end":769.15497,"sentiment":"neutral","sentiment_score":0.0027112383395433426}],"sentiment":"neutral","sentiment_score":0.007496636419091374,"num_words":8,"start":755.54,"end":769.15497},{"sentences":[{"text":"Seve.","start":769.15497,"end":769.635,"sentiment":"neutral","sentiment_score":0.006453696172684431},{"text":"Yep.","start":769.635,"end":770.135,"sentiment":"neutral","sentiment_score":0.01954120397567749},{"text":"Okay.","start":776.07,"end":776.57,"sentiment":"neutral","sentiment_score":-0.030038218945264816},{"text":"Yeah.","start":777.11,"end":777.61,"sentiment":"neutral","sentiment_score":-0.011457877233624458},{"text":"Absolutely.","start":778.95,"end":779.45,"sentiment":"neutral","sentiment_score":0.14194422960281372}],"sentiment":"neutral","sentiment_score":0.025288606714457273,"num_words":5,"start":769.15497,"end":779.45},{"sentences":[{"text":"So the way things sorta have been able to change, and I know last year, there was a lot of a contact that we weren't able to make with everything that was kinda going on there, but we have had some changes to the business.","start":779.91,"end":789.535,"sentiment":"neutral","sentiment_score":0.009317133906814786},{"text":"So I've been an adviser for a couple of years now, so I've been able to take on a a certain book of clients and making sure that we're able to look after you and service things a bit better this year round.","start":789.535,"end":798.89496,"sentiment":"neutral","sentiment_score":0.22782779519641122},{"text":"So I've made it put you into the book here.","start":798.89496,"end":802.06995,"sentiment":"neutral","sentiment_score":0.1915064975619316},{"text":"You're my client now.","start":802.12994,"end":803.58997,"sentiment":"neutral","sentiment_score":0.15954561159014702},{"text":"You're still a client of both you, and Sevvy is still the licensee.","start":803.88995,"end":807.19,"sentiment":"neutral","sentiment_score":0.19644203438208654}],"sentiment":"neutral","sentiment_score":0.1332422616365163,"num_words":115,"start":779.91,"end":807.19},{"sentences":[{"text":"It just means that I'll be the one that you get to speak to on more of a regular basis.","start":807.56995,"end":811.08997,"sentiment":"neutral","sentiment_score":0.1302004843018949},{"text":"I can make sure my team are doing catch ups with you as well, and we can make sure to provide that service a little bit deeply for you.","start":811.08997,"end":817.595,"sentiment":"positive","sentiment_score":0.598213272875753},{"text":"So if at any point you decide you don't want me to be your adviser, you're more than welcome to say you're not happy to do so.","start":817.595,"end":823.595,"sentiment":"neutral","sentiment_score":-0.2897729054093361},{"text":"I'm more than happy to refer you on to somebody else if that's preferable.","start":823.595,"end":826.735,"sentiment":"neutral","sentiment_score":0.08745232384119715},{"text":"But if you're happy to, you know, stay with me, I'll make sure we do catch ups and and follow through and, you know, make sure that we do the reviews and make sure we're on track and looking forward towards your goals there for you and update the advice as we need to.","start":827.25995,"end":840.31995,"sentiment":"neutral","sentiment_score":0.3122072537188177}],"sentiment":"neutral","sentiment_score":0.2098045165831637,"num_words":144,"start":807.56995,"end":840.31995},{"sentences":[{"text":"Yeah.","start":840.54,"end":841.04,"sentiment":"neutral","sentiment_score":0.15388312935829165},{"text":"Excellent.","start":844.375,"end":844.875,"sentiment":"positive","sentiment_score":0.6868217587471008},{"text":"Excellent.","start":845.015,"end":845.515,"sentiment":"positive","sentiment_score":0.6275291442871094},{"text":"Just back to that table there for you, Jason.","start":847.73505,"end":850.215,"sentiment":"neutral","sentiment_score":0.3170108199119568},{"text":"I do apologize.","start":850.215,"end":851.03503,"sentiment":"neutral","sentiment_score":-0.028801996260881424}],"sentiment":"neutral","sentiment_score":0.2823283615211646,"num_words":15,"start":840.54,"end":851.03503},{"sentences":[{"text":"At the moment, you are in that growth portfolio there, and you'll see that you've got that five year rolling average there.","start":852.135,"end":857.23,"sentiment":"neutral","sentiment_score":0.12306712974201549},{"text":"So it's essentially showing showing you in the current scenario with the current portfolio that you're in, we take that and we look at the average that it has been able to perform over the past five years there.","start":857.23,"end":867.25,"sentiment":"neutral","sentiment_score":0.21604428994349945},{"text":"With the newer portfolio, you'll that in the recommended column there.","start":867.87,"end":871.01495,"sentiment":"neutral","sentiment_score":0.15625253861600702},{"text":"So your balance, you'll also see underneath that your administration fees, your investment fees, again, the adviser service fee.","start":871.01495,"end":877.255,"sentiment":"neutral","sentiment_score":0.15543684010442935},{"text":"I've included contributions into the recommendation for you as well, and then also your insurance premiums will be retained as they are.","start":877.255,"end":884.39496,"sentiment":"neutral","sentiment_score":0.17150279811837457}],"sentiment":"neutral","sentiment_score":0.17325967794234773,"num_words":113,"start":852.135,"end":884.39496},{"sentences":[{"text":"But the newer portfolio, the changes that we are making, when you look at that five year rolling average, it has shown that over the past five years, that newer portfolio has been able to perform greater.","start":884.89,"end":894.91,"sentiment":"positive","sentiment_score":0.3743194961870039},{"text":"So when you take that projected little five year rolling average and project that over the next five to ten years, as you can see on the bottom page there, it can if if the portfolio can perform the way it has, and that's what we wanna do.","start":895.29,"end":907.105,"sentiment":"neutral","sentiment_score":0.32583457976579666},{"text":"We wanna make sure that it is performing correctly.","start":907.105,"end":909.185,"sentiment":"positive","sentiment_score":0.3341396351655324},{"text":"And if it's not, we'll look to all make alterations to it for you.","start":909.185,"end":912.78,"sentiment":"neutral","sentiment_score":0.07642790216154285},{"text":"But you can definitely see over the next five to ten years if it's able to get what we has received over the past, you know, five years there, that it can see you in a much greater position moving forward.","start":913.34,"end":924.88,"sentiment":"positive","sentiment_score":0.7451049074894045}],"sentiment":"positive","sentiment_score":0.43031160900331783,"num_words":149,"start":884.89,"end":924.88},{"sentences":[{"text":"Okay?","start":925.18005,"end":925.68005,"sentiment":"positive","sentiment_score":0.3437166213989258},{"text":"Yeah.","start":926.935,"end":927.335,"sentiment":"positive","sentiment_score":0.4017806053161621},{"text":"Beautiful.","start":927.335,"end":927.835,"sentiment":"positive","sentiment_score":0.6425845623016357},{"text":"I did may mention before as well the investment fees are a bit cheaper there.","start":928.935,"end":932.21497,"sentiment":"neutral","sentiment_score":0.2910212258497874},{"text":"So with the investment fees in your current portfolio, it's got that $5.59 there.","start":932.21497,"end":936.71497,"sentiment":"positive","sentiment_score":0.3498580807021686}],"sentiment":"neutral","sentiment_score":0.3328566658310592,"num_words":32,"start":925.18005,"end":936.71497},{"sentences":[{"text":"By making these changes, you're actually saving about $361 in investment fees for this year.","start":937.095,"end":942.70996,"sentiment":"positive","sentiment_score":0.5050706783930461},{"text":"So this newer portfolio has performed greater in the longer term.","start":942.70996,"end":946.25,"sentiment":"positive","sentiment_score":0.7038563435727899},{"text":"It's also a lot cheaper for you as well, and keeping money invested is really important, especially if your life has changed.","start":946.62994,"end":953.18994,"sentiment":"positive","sentiment_score":0.5500893674113534},{"text":"You're now self employed.","start":953.18994,"end":954.47,"sentiment":"positive","sentiment_score":0.3783783093094826},{"text":"So, you know, you're not getting the mining contributions going in there anymore.","start":954.47,"end":958.235,"sentiment":"neutral","sentiment_score":0.2076005907012866}],"sentiment":"positive","sentiment_score":0.48665795314770477,"num_words":65,"start":937.095,"end":958.235},{"sentences":[{"text":"So it's about making sure that you're saving on fees where you can, keeping money retained in the fund and compounding forward towards your goals.","start":958.235,"end":966.01495,"sentiment":"positive","sentiment_score":0.4078061705827713},{"text":"Okay?","start":966.315,"end":966.815,"sentiment":"neutral","sentiment_score":0.10851600766181946},{"text":"Yeah.","start":967.61,"end":968.11,"sentiment":"neutral","sentiment_score":0.07178603112697601},{"text":"Do you have any questions about any of that so far?","start":969.29,"end":971.87,"sentiment":"neutral","sentiment_score":0.03830300881104036},{"text":"Yeah.","start":975.20996,"end":975.61,"sentiment":"neutral","sentiment_score":0.25348228216171265}],"sentiment":"neutral","sentiment_score":0.28334029954977524,"num_words":39,"start":958.235,"end":975.61},{"sentences":[{"text":"Beautiful.","start":975.61,"end":976.11,"sentiment":"positive","sentiment_score":0.4431169033050537},{"text":"All good.","start":976.49,"end":977.23,"sentiment":"positive","sentiment_score":0.3418600410223007},{"text":"If you find you have questions, you're welcome to stop me and ask away.","start":977.69,"end":980.89,"sentiment":"neutral","sentiment_score":0.18668851948210172},{"text":"It's not an issue at all, and noticing it's a silly question.","start":980.89,"end":983.875,"sentiment":"neutral","sentiment_score":0.14193162570397058},{"text":"I'm here to help.","start":983.875,"end":984.755,"sentiment":"neutral","sentiment_score":0.24221543967723846}],"sentiment":"neutral","sentiment_score":0.19431871288653577,"num_words":33,"start":975.61,"end":984.755},{"sentences":[{"text":"And, you know, while you are looking the document, if anything comes up, just flag it for me.","start":984.755,"end":988.995,"sentiment":"neutral","sentiment_score":0.11614394022358789},{"text":"Okay?","start":988.995,"end":989.495,"sentiment":"neutral","sentiment_score":0.07086978852748871},{"text":"Yeah.","start":991.235,"end":991.735,"sentiment":"neutral","sentiment_score":0.08659778535366058},{"text":"Sure.","start":991.955,"end":992.455,"sentiment":"neutral","sentiment_score":0.10602983832359314},{"text":"Yes.","start":997.83,"end":998.23004,"sentiment":"neutral","sentiment_score":0.06354539841413498}],"sentiment":"neutral","sentiment_score":0.10989244248379361,"num_words":22,"start":984.755,"end":998.23004},{"sentences":[{"text":"Yes.","start":998.23004,"end":998.73004,"sentiment":"neutral","sentiment_score":0.06314872950315475},{"text":"I will help you to do that.","start":1001.19,"end":1002.87,"sentiment":"neutral","sentiment_score":0.14369563119752066},{"text":"That's a very, very good question.","start":1002.87,"end":1004.81,"sentiment":"neutral","sentiment_score":0.23097646484772363},{"text":"So what we'll do is and you'll see in this table here, we have recommended contributions be going in.","start":1004.87,"end":1010.325,"sentiment":"neutral","sentiment_score":0.16101960092782974},{"text":"Essentially, the way I'm I'm recommending those is we make them as a deductible contributions, and we talked about a $100 on a weekly basis.","start":1010.705,"end":1017.505,"sentiment":"neutral","sentiment_score":0.1530240860581398}],"sentiment":"neutral","sentiment_score":0.16103192251817933,"num_words":58,"start":998.23004,"end":1017.505},{"sentences":[{"text":"So what I can do is I can email you essentially the the contributions detail.","start":1017.505,"end":1023.07996,"sentiment":"neutral","sentiment_score":0.13308211465676625},{"text":"You can do it generally by BPAY or EFT.","start":1023.07996,"end":1025.58,"sentiment":"neutral","sentiment_score":0.09965385579400593},{"text":"The contributions are put into the account or into your super fund direct from your bank account.","start":1026.2,"end":1031.02,"sentiment":"neutral","sentiment_score":0.12364854050033233},{"text":"And then at the end of the financial year, I'll actually put a little I prefer to kinda do it more than once a year.","start":1031.64,"end":1038.015,"sentiment":"neutral","sentiment_score":0.22424315810203552},{"text":"So, essentially, I'll have a look at when your insurance premiums are due to come out, and I'll make sure we claim a notice of intent just before the insurance premiums are deducted, but then making sure we do another one at the end of the financial year.","start":1038.015,"end":1051.155,"sentiment":"neutral","sentiment_score":0.1605798362288624}],"sentiment":"neutral","sentiment_score":0.16060572545648666,"num_words":114,"start":1017.505,"end":1051.155},{"sentences":[{"text":"And that's because the way contributions go into super the way these will go into super is they come from your bank account.","start":1051.36,"end":1058.58,"sentiment":"neutral","sentiment_score":0.25660711915596673},{"text":"So they go in with it's what's called a non concessional after tax contribution.","start":1058.72,"end":1062.26,"sentiment":"neutral","sentiment_score":0.16934112193328993},{"text":"Because they go in that way, they go into your tax free component.","start":1063.6,"end":1067.025,"sentiment":"neutral","sentiment_score":0.2270960807800293},{"text":"And whenever money comes out of your super fund, like, to pay for insurance premiums, they it comes out of both components.","start":1067.165,"end":1074.385,"sentiment":"neutral","sentiment_score":0.1213540295985612},{"text":"You can't pick or choose where the money comes out of, and your super fund has two components.","start":1074.445,"end":1079.105,"sentiment":"neutral","sentiment_score":-0.015327430433697171}],"sentiment":"neutral","sentiment_score":0.15132092667950525,"num_words":90,"start":1051.36,"end":1079.105},{"sentences":[{"text":"You've got a tax free component and a taxable component.","start":1079.165,"end":1082.12,"sentiment":"neutral","sentiment_score":-0.00351338405162096},{"text":"The taxable component is where money has gone in and tax has come out straight away.","start":1082.1799,"end":1086.84,"sentiment":"neutral","sentiment_score":-0.0021609333343803883},{"text":"The tax free component is where tax has not been deducted straight away.","start":1087.1399,"end":1090.9199,"sentiment":"neutral","sentiment_score":-0.0002938503256210914},{"text":"And when the insurance premiums come out, say your insurance premiums, as an example, costed a $100, if you had $50 in sale, say, a $100 in each of those components there, that $100 to your insurances comes out proportionately from both of those components.","start":1091.22,"end":1106.475,"sentiment":"neutral","sentiment_score":0.12171720671984884},{"text":"To be able to get the best of this for you by making that contribution, from your bank account, it goes in that tax free side of things.","start":1107.03,"end":1114.81,"sentiment":"positive","sentiment_score":0.535516080047403}],"sentiment":"neutral","sentiment_score":0.1821267474609028,"num_words":112,"start":1079.165,"end":1114.81},{"sentences":[{"text":"So what I like to make sure we do is to make sure you're getting the most of that benefit just before your insurance premiums are due to come out of the account.","start":1114.9501,"end":1122.4249,"sentiment":"positive","sentiment_score":0.5917230853528688},{"text":"Make sure you've claimed that notice of intent.","start":1122.4249,"end":1124.525,"sentiment":"positive","sentiment_score":0.3789154523983598},{"text":"That claims the full notice of intent to the contributions that are going in, and then we can do an adjustment at the end of the financial year.","start":1124.905,"end":1132.605,"sentiment":"neutral","sentiment_score":0.27599296984927996},{"text":"And that means you you get to claim the full amount of contributions going in without the amount that you're able to claim being reduced by insurance premiums.","start":1132.7899,"end":1142.8099,"sentiment":"positive","sentiment_score":0.39299579417066915},{"text":"Does that make sense?","start":1142.87,"end":1143.75,"sentiment":"neutral","sentiment_score":0.1830418985337019}],"sentiment":"positive","sentiment_score":0.416059786361633,"num_words":101,"start":1114.9501,"end":1143.75},{"sentences":[{"text":"You're welcome to let me know if it doesn't.","start":1143.75,"end":1146.01,"sentiment":"neutral","sentiment_score":0.062443399594889745},{"text":"Yeah.","start":1149.0651,"end":1149.5651,"sentiment":"neutral","sentiment_score":0.05468495190143585},{"text":"Is this yeah.","start":1150.025,"end":1151.805,"sentiment":"neutral","sentiment_score":0.06413504232962926},{"text":"That's absolutely fine because you're a sole trader, so everything is under your name anyway.","start":1155.385,"end":1160.2051,"sentiment":"positive","sentiment_score":0.46373860637346903},{"text":"It's not an issue at all.","start":1160.76,"end":1162.2001,"sentiment":"neutral","sentiment_score":0.2748968129356702}],"sentiment":"neutral","sentiment_score":0.276898254366482,"num_words":34,"start":1143.75,"end":1162.2001},{"sentences":[{"text":"So what we'll do is we'll just send you the contributions information.","start":1162.2001,"end":1165.1,"sentiment":"neutral","sentiment_score":0.32750682284434635},{"text":"You do the transfer in.","start":1166.36,"end":1168.28,"sentiment":"neutral","sentiment_score":0.2068558931350708},{"text":"You can have it set up as a regular EFT or a regular bank transfer, whatever is comfortable for yourself, or you can manually do it on a weekly basis.","start":1168.28,"end":1176.955,"sentiment":"neutral","sentiment_score":0.18950443441669146},{"text":"And then I'll just make a little note to go in there and double check each a cup each, you know, a couple of times a year to see how much you've put in.","start":1177.735,"end":1186.375,"sentiment":"neutral","sentiment_score":0.23430678292232401},{"text":"And then when we need to make those notice of intents, we'll have them prefilled and sent to you to sign.","start":1186.375,"end":1192.3999,"sentiment":"neutral","sentiment_score":0.20844834688163938}],"sentiment":"neutral","sentiment_score":0.22542490466844803,"num_words":102,"start":1162.2001,"end":1192.3999},{"sentences":[{"text":"We'll have them lodge with the fund for you.","start":1192.3999,"end":1194.6599,"sentiment":"neutral","sentiment_score":0.32944509387016296},{"text":"And the idea is, like, if you put with this at a $100 per week, it's $55,005 thousand $200 on a yearly basis.","start":1195.0399,"end":1203.46,"sentiment":"neutral","sentiment_score":0.1838592070600261},{"text":"At the end of the financial year, you can then go back to your account and then say, hey.","start":1204.065,"end":1208.065,"sentiment":"neutral","sentiment_score":0.21784102289300217},{"text":"I've put in 5,200 into my super.","start":1208.065,"end":1210.8049,"sentiment":"neutral","sentiment_score":0.2692381760903767},{"text":"It's a deductible contribution.","start":1210.945,"end":1212.325,"sentiment":"neutral","sentiment_score":0.3236623778939247}],"sentiment":"neutral","sentiment_score":0.23406554494173296,"num_words":62,"start":1192.3999,"end":1212.325},{"sentences":[{"text":"Your accountant will then claim that back for you as a as a deduction on your tax return, and your super funds will deduct tax out of that, and we will help them to do that.","start":1212.625,"end":1224.8099,"sentiment":"positive","sentiment_score":0.41115209543042713},{"text":"Does that make sense?","start":1224.8099,"end":1225.87,"sentiment":"neutral","sentiment_score":0.20071299001574516},{"text":"Yeah.","start":1227.21,"end":1227.61,"sentiment":"positive","sentiment_score":0.336760550737381},{"text":"It's a pretty in-depth little process there, but it is kinda cool.","start":1227.61,"end":1230.525,"sentiment":"positive","sentiment_score":0.46535222480694455},{"text":"It means that you're putting money into your super funds that are being invested for you, but you also get the advantage of having a little bit of a tax deduction at the end of the financial year as well.","start":1230.525,"end":1239.885,"sentiment":"positive","sentiment_score":0.5830897592008114}],"sentiment":"positive","sentiment_score":0.48224629045173684,"num_words":93,"start":1212.625,"end":1239.885},{"sentences":[{"text":"So it kinda gives you a bit of a boost on both levels.","start":1239.885,"end":1243.025,"sentiment":"positive","sentiment_score":0.653409691957327},{"text":"The way the components are set up within the super fund, that's more something for me to not worry about and make sure that I'm, you know, doing the right thing by you, but I'll make sure that we claim those notice of intent in increments that allow you to benefit from those contributions to the fullest.","start":1244.25,"end":1259.545,"sentiment":"positive","sentiment_score":0.5730548770281306},{"text":"Okay?","start":1259.6051,"end":1260.1051,"sentiment":"neutral","sentiment_score":0.220630943775177},{"text":"Yeah.","start":1261.6051,"end":1262.1051,"sentiment":"positive","sentiment_score":0.41345447301864624},{"text":"Beautiful.","start":1262.165,"end":1262.665,"sentiment":"neutral","sentiment_score":0.14772358536720276}],"sentiment":"positive","sentiment_score":0.5745241505234209,"num_words":73,"start":1239.885,"end":1262.665},{"sentences":[{"text":"So, essentially, you'll see in that table there, the contribution noted is 4,420.","start":1263.765,"end":1269.385,"sentiment":"neutral","sentiment_score":0.04545909109023901},{"text":"That is net.","start":1269.83,"end":1270.87,"sentiment":"neutral","sentiment_score":0.04091164469718933},{"text":"So you putting a $100 in per week does mean you put 5,200 in over the course of the year.","start":1270.87,"end":1276.81,"sentiment":"neutral","sentiment_score":0.08372961245477199},{"text":"However, this is just the net, so after the tax has been taken into account for you.","start":1277.27,"end":1282.09,"sentiment":"neutral","sentiment_score":0.029389819185085157},{"text":"Okay?","start":1282.23,"end":1282.73,"sentiment":"neutral","sentiment_score":0.034859851002693176}],"sentiment":"neutral","sentiment_score":0.05412559526868992,"num_words":54,"start":1263.765,"end":1282.73},{"sentences":[{"text":"Yeah.","start":1283.555,"end":1284.035,"sentiment":"neutral","sentiment_score":0.02688974142074585},{"text":"Did you wanna did you want me to kinda clarify anything further there or go into more detail?","start":1284.035,"end":1289.095,"sentiment":"neutral","sentiment_score":-0.01728519212661518},{"text":"Or no.","start":1289.315,"end":1292.215,"sentiment":"neutral","sentiment_score":-0.15945380553603172},{"text":"Yeah.","start":1294.195,"end":1294.695,"sentiment":"neutral","sentiment_score":0.21557769179344177},{"text":"Beautiful.","start":1294.755,"end":1295.255,"sentiment":"positive","sentiment_score":0.6416230201721191}],"sentiment":"neutral","sentiment_score":0.011045625392833481,"num_words":23,"start":1283.555,"end":1295.255},{"sentences":[{"text":"Beautiful.","start":1295.475,"end":1295.975,"sentiment":"positive","sentiment_score":0.6586110591888428},{"text":"So since that's the main part of the recommendations here is making sure you do retain net wealth for the time being, that we do make those alterations to the investments to make sure things are working harder for you, and then also making those contributions.","start":1296.8099,"end":1310.35,"sentiment":"neutral","sentiment_score":0.3199855299747508},{"text":"So putting a $100 in on a weekly basis, and then we'll make sure we do that notice of intent for you.","start":1310.57,"end":1316.115,"sentiment":"neutral","sentiment_score":0.24570240893147208},{"text":"So at the end of the financial year after the July 1, when you go to do your tax return, so you'll be able to let your accountant know that you've made that additional contribution to Super, and they can claim that as a tax deduction for you as well.","start":1316.115,"end":1330.2799,"sentiment":"neutral","sentiment_score":0.25628442883491515},{"text":"Okay?","start":1330.2799,"end":1330.7799,"sentiment":"neutral","sentiment_score":0.212359219789505}],"sentiment":"neutral","sentiment_score":0.2817498258004586,"num_words":120,"start":1295.475,"end":1330.7799},{"sentences":[{"text":"Beautiful.","start":1331.0,"end":1331.5,"sentiment":"positive","sentiment_score":0.6526449918746948},{"text":"The only other thing I do like to make mention is we did talk before about whenever we make changes to the funds within your super, that your super fund does have to account for the taxation side of things.","start":1332.44,"end":1342.38,"sentiment":"neutral","sentiment_score":0.07894544871523976},{"text":"So we did go back and have a look at the CGT consequences.","start":1342.5349,"end":1345.6749,"sentiment":"neutral","sentiment_score":0.059551509527059704},{"text":"You'll see in the difference column there the amount of $382.","start":1345.975,"end":1349.995,"sentiment":"neutral","sentiment_score":0.05965122715993361},{"text":"In order to make those changes inside your super fund there and make the investment switches, your super fund would be expected to pay about $380 in in capital gains tax.","start":1350.2949,"end":1361.4701,"sentiment":"neutral","sentiment_score":0.11358350659570386}],"sentiment":"neutral","sentiment_score":0.09126963299543907,"num_words":96,"start":1331.0,"end":1361.4701},{"sentences":[{"text":"So that doesn't affect you in any way, shape, or form.","start":1361.4701,"end":1364.5901,"sentiment":"neutral","sentiment_score":0.1502678793939677},{"text":"Your super fund will account for that in the back end.","start":1364.5901,"end":1366.8301,"sentiment":"neutral","sentiment_score":0.2704916162924333},{"text":"We just like to make sure we disclose that to you.","start":1366.8301,"end":1369.4901,"sentiment":"neutral","sentiment_score":0.16466759551655163},{"text":"Okay?","start":1369.55,"end":1370.05,"sentiment":"neutral","sentiment_score":0.1059497892856598},{"text":"Beautiful.","start":1371.225,"end":1371.725,"sentiment":"positive","sentiment_score":0.5566838979721069}],"sentiment":"neutral","sentiment_score":0.2029237625854356,"num_words":35,"start":1361.4701,"end":1371.725},{"sentences":[{"text":"You'll also see there is a difference in the ongoing adviser fee.","start":1372.745,"end":1376.045,"sentiment":"neutral","sentiment_score":0.07511941002060969},{"text":"Our ongoing service fee is 1.65% per annum.","start":1376.105,"end":1379.805,"sentiment":"neutral","sentiment_score":0.04162119468674064},{"text":"This is breaking it down into a dollar figure for you.","start":1379.865,"end":1382.82,"sentiment":"neutral","sentiment_score":0.09732892838391391},{"text":"And whilst the balance is not hasn't gone up in the top column there, the $1.08 $2.00 is factoring in the first year's growth there.","start":1382.8999,"end":1390.6599,"sentiment":"neutral","sentiment_score":-0.005691759986802936},{"text":"So that's the difference of the $78.","start":1390.6599,"end":1393.08,"sentiment":"neutral","sentiment_score":0.034949046692677906}],"sentiment":"neutral","sentiment_score":0.03892035124402854,"num_words":63,"start":1372.745,"end":1393.08},{"sentences":[{"text":"Okay?","start":1393.22,"end":1393.72,"sentiment":"neutral","sentiment_score":0.05718018859624863},{"text":"Yeah.","start":1394.74,"end":1395.24,"sentiment":"positive","sentiment_score":0.3425351083278656},{"text":"Beautiful.","start":1395.855,"end":1396.355,"sentiment":"positive","sentiment_score":0.6877233982086182},{"text":"But all in all, so long as everything goes according to plan and, you know, if this if these investments can perform the way they have and, you know, everything shows that you should be on track for a much greater retirement, and we will update the advice regularly.","start":1397.375,"end":1410.915,"sentiment":"positive","sentiment_score":0.5088212958403996},{"text":"I'll do catch ups with you a bit more.","start":1411.24,"end":1413.1599,"sentiment":"positive","sentiment_score":0.33498110704951817}],"sentiment":"positive","sentiment_score":0.47597560909439307,"num_words":61,"start":1393.22,"end":1413.1599},{"sentences":[{"text":"That way, we can kinda see where things are changing when and if you wanna make additional contributions or have some extra money, we can always look at doing that for you as well.","start":1413.1599,"end":1421.26,"sentiment":"positive","sentiment_score":0.36388962189940843},{"text":"The contributions cap for this year is 30,000.","start":1421.88,"end":1424.7,"sentiment":"neutral","sentiment_score":0.1612292304635048},{"text":"Next year, it's 32,500.","start":1425.005,"end":1427.165,"sentiment":"neutral","sentiment_score":0.11806781403720379},{"text":"So we can always look to make additional contributions to provide a greater boost to super down the track there.","start":1427.165,"end":1433.245,"sentiment":"positive","sentiment_score":0.43506976664066316},{"text":"We were just sticking to this for the moment.","start":1433.245,"end":1435.0851,"sentiment":"neutral","sentiment_score":0.16210806452565724}],"sentiment":"neutral","sentiment_score":0.32392960210641225,"num_words":75,"start":1413.1599,"end":1435.0851},{"sentences":[{"text":"And if you're getting back into work, you're now self employed and sort of seeing how things go, and it's important that we can keep updating this advice down the track for you as well.","start":1435.0851,"end":1443.96,"sentiment":"neutral","sentiment_score":0.188893552337374},{"text":"Okay?","start":1444.02,"end":1444.52,"sentiment":"neutral","sentiment_score":0.09498438239097597},{"text":"Yeah.","start":1445.62,"end":1446.12,"sentiment":"positive","sentiment_score":0.33387207984924316},{"text":"Beautiful.","start":1446.26,"end":1446.76,"sentiment":"positive","sentiment_score":0.6409404277801514},{"text":"Now we are retaining your life and TBD insurances exactly as they are at the moment.","start":1447.7,"end":1452.1,"sentiment":"neutral","sentiment_score":0.21146488282829523}],"sentiment":"neutral","sentiment_score":0.20489832124224416,"num_words":54,"start":1435.0851,"end":1452.1},{"sentences":[{"text":"So we did talk about income protection trauma.","start":1452.1,"end":1454.6,"sentiment":"neutral","sentiment_score":-0.051494456361979246},{"text":"The cost of having and adding to insurances does mean the cost is greater.","start":1455.255,"end":1459.515,"sentiment":"neutral","sentiment_score":-0.16216340022427694},{"text":"You pay more out of your super fund for doing so.","start":1459.895,"end":1462.135,"sentiment":"neutral","sentiment_score":-0.059877794913270256},{"text":"You were happy to not look at getting new cover at the moment.","start":1462.135,"end":1465.035,"sentiment":"neutral","sentiment_score":-0.06224097024935942},{"text":"But on page number 24 there, you'll see under the annualized returns, there's a small table with the five and ten year projection, and it's got the current recommended and no insurances.","start":1465.3351,"end":1476.17,"sentiment":"neutral","sentiment_score":0.032520171254873276}],"sentiment":"neutral","sentiment_score":-0.03986392475855656,"num_words":78,"start":1452.1,"end":1476.17},{"sentences":[{"text":"Can you see that table there?","start":1476.3099,"end":1478.01,"sentiment":"neutral","sentiment_score":0.02701760207613309},{"text":"Yeah.","start":1479.51,"end":1479.91,"sentiment":"neutral","sentiment_score":0.21820291876792908},{"text":"Beautiful.","start":1479.91,"end":1480.41,"sentiment":"positive","sentiment_score":0.5563645362854004},{"text":"This is just letting you know and showing you the difference with regard to the insurance side of things.","start":1480.47,"end":1484.765,"sentiment":"neutral","sentiment_score":0.15525989861864792},{"text":"So because you are paying for the life and TPD out of your super fund as you get older, essentially, your insurance premiums do get more and more expensive as the risk of you making a claim increases.","start":1484.765,"end":1495.505,"sentiment":"neutral","sentiment_score":-0.2345348767151958}],"sentiment":"neutral","sentiment_score":-0.07731867959866157,"num_words":65,"start":1476.3099,"end":1495.505},{"sentences":[{"text":"And this shows you the same thing as it was in the projection table above there, but it's also got the third column showing that if you were not to pay any insurances out of your super, but you were still to take on the recommendations there, essentially, the outcome over the next five to ten years could be projected to show you the difference.","start":1495.5651,"end":1512.6799,"sentiment":"neutral","sentiment_score":0.0803941496862815},{"text":"Okay.","start":1513.0249,"end":1513.5249,"sentiment":"neutral","sentiment_score":0.07102304697036743},{"text":"Yeah.","start":1514.625,"end":1515.125,"sentiment":"neutral","sentiment_score":0.09821897745132446},{"text":"Yeah.","start":1515.585,"end":1516.085,"sentiment":"neutral","sentiment_score":0.13950404524803162},{"text":"So we just like to make sure we have that comparison in there for you.","start":1516.1449,"end":1519.205,"sentiment":"neutral","sentiment_score":0.25251216292381284}],"sentiment":"neutral","sentiment_score":0.11231383425464113,"num_words":83,"start":1495.5651,"end":1519.205},{"sentences":[{"text":"It does show you the difference by not having insurances.","start":1519.4249,"end":1521.605,"sentiment":"neutral","sentiment_score":0.2144069281872362},{"text":"However, I'm not making any recommendations to cancel them.","start":1521.745,"end":1524.385,"sentiment":"neutral","sentiment_score":-0.3074859380722046},{"text":"I still think insurances are definitely appropriate for your life stage and where you're at, but we can always review these down the track with you as well.","start":1524.385,"end":1531.51,"sentiment":"neutral","sentiment_score":0.19036083854734898},{"text":"Okay.","start":1531.51,"end":1532.01,"sentiment":"neutral","sentiment_score":0.17642858624458313},{"text":"Yep.","start":1533.59,"end":1533.99,"sentiment":"positive","sentiment_score":0.3609272241592407}],"sentiment":"neutral","sentiment_score":0.10702357406024726,"num_words":49,"start":1519.4249,"end":1533.99},{"sentences":[{"text":"Beautiful.","start":1533.99,"end":1534.49,"sentiment":"positive","sentiment_score":0.6459604501724243},{"text":"Underneath that, you'll see we've got an income a retirement income protection calculator.","start":1535.99,"end":1540.97,"sentiment":"neutral","sentiment_score":0.20181448643024152},{"text":"So this is essentially scoped into a limited basis because you are still a bit away from limited basis.","start":1541.27,"end":1544.1749,"sentiment":"neutral","sentiment_score":0.0447997972369194},{"text":"Because you are still a bit away from retirement, you're so happy to kinda keep working to the age of 70 if you needed to, but we'll keep sort of reviewing things moving forward to see how you go and when you do decide you wanna retire.","start":1544.5549,"end":1556.975,"sentiment":"neutral","sentiment_score":0.21337952884904882},{"text":"When you get closer, we'll look at this in a much more detail.","start":1557.23,"end":1560.05,"sentiment":"neutral","sentiment_score":0.05295741328826317}],"sentiment":"neutral","sentiment_score":0.15954870053677148,"num_words":93,"start":1533.99,"end":1560.05},{"sentences":[{"text":"But at the moment, based on the current recommendations, when we kinda project this forward over the next few years, we can sort of see that if everything was to stay on track, essentially, being able to retire at the age of 70 there, you're kind of looking for a retirement income of a base of 52,000 per annum.","start":1560.43,"end":1578.005,"sentiment":"neutral","sentiment_score":0.24332543298349543},{"text":"So it's about $1,000 on a weekly basis there.","start":1578.1449,"end":1581.105,"sentiment":"neutral","sentiment_score":0.25915011763572693},{"text":"This is showing you that we're almost at that projected amount.","start":1581.105,"end":1584.72,"sentiment":"neutral","sentiment_score":0.32808055119080975},{"text":"We're showing a short about $749.","start":1584.7999,"end":1587.9199,"sentiment":"neutral","sentiment_score":0.23930608481168747},{"text":"This is utilizing your super as well as the eligibility for Centrelink, which based on your current circumstances, you would have eligibility to.","start":1587.9199,"end":1595.2999,"sentiment":"neutral","sentiment_score":0.2780817034451858}],"sentiment":"neutral","sentiment_score":0.26045512366626,"num_words":108,"start":1560.43,"end":1595.2999},{"sentences":[{"text":"And this is just in to sort of show you where we're kinda projecting based on the recommendations I have made.","start":1595.6799,"end":1601.375,"sentiment":"neutral","sentiment_score":0.24506687337443941},{"text":"And I do a lot of the retirement planning with a lot of our clients.","start":1601.675,"end":1604.715,"sentiment":"neutral","sentiment_score":0.26170876423517864},{"text":"So as you get closer and older towards retiring and wanting to sort of look at that in a bit more focus, we can absolutely look at doing that for you.","start":1604.715,"end":1612.02,"sentiment":"positive","sentiment_score":0.4607724143612769},{"text":"As I mentioned, we can be putting extra contributions in each year as things change for yourself.","start":1612.5,"end":1617.72,"sentiment":"positive","sentiment_score":0.4523489440188688},{"text":"We can utilize, you know, caps if we need to.","start":1617.78,"end":1620.68,"sentiment":"positive","sentiment_score":0.41701485514640807}],"sentiment":"positive","sentiment_score":0.37463894946143983,"num_words":94,"start":1595.6799,"end":1620.68},{"sentences":[{"text":"There's other things down the track that we can absolutely do.","start":1620.9,"end":1623.64,"sentiment":"positive","sentiment_score":0.6719026186249473},{"text":"Some of the coolest strategies kinda come into play when you turn 60.","start":1624.1,"end":1628.3049,"sentiment":"positive","sentiment_score":0.5127652952304254},{"text":"So I'm not sure if we kinda spoke about this in the past, but when you do turn 60, you get access to what's called a transition retirement strategy, which is where you can be putting a lot more money into super up to the cap.","start":1628.9249,"end":1639.505,"sentiment":"positive","sentiment_score":0.41396989981117455},{"text":"And then we can also access a little bit and draw some down so you end up with, you know, saving on income tax, but still putting as much as possible into super to provide greater benefit.","start":1639.565,"end":1650.35,"sentiment":"positive","sentiment_score":0.5011079025429648},{"text":"And these sorts of strategies are more accessible and available to you at the age of 60s.","start":1650.73,"end":1656.025,"sentiment":"positive","sentiment_score":0.610630172140458}],"sentiment":"positive","sentiment_score":0.5001709544730764,"num_words":124,"start":1620.9,"end":1656.025},{"sentences":[{"text":"So when you get to that point, we can have a much more in-depth conversation and look at what some of these other strategies can do to help boost your super.","start":1656.025,"end":1663.165,"sentiment":"positive","sentiment_score":0.5463731817660793},{"text":"Okay?","start":1663.305,"end":1663.805,"sentiment":"neutral","sentiment_score":0.22000491619110107},{"text":"Yeah.","start":1665.145,"end":1665.625,"sentiment":"neutral","sentiment_score":0.29343289136886597},{"text":"Perfect.","start":1665.625,"end":1666.125,"sentiment":"positive","sentiment_score":0.611324667930603},{"text":"I'm probably the only person in the world to get excited about super and people turning 60.","start":1666.425,"end":1675.05,"sentiment":"positive","sentiment_score":0.5061608886017519}],"sentiment":"positive","sentiment_score":0.52288365130331,"num_words":51,"start":1656.025,"end":1675.05},{"sentences":[{"text":"But, yeah, there's some there's some other cool things that we can definitely do to help you there.","start":1675.05,"end":1680.83,"sentiment":"positive","sentiment_score":0.6272760166062249},{"text":"On page number 26, this takes you into more around the recommendation about the personal deductible contributions.","start":1681.61,"end":1687.815,"sentiment":"neutral","sentiment_score":0.2258790144148995},{"text":"So, essentially, it's a 100 on a weekly basis.","start":1688.0349,"end":1690.995,"sentiment":"neutral","sentiment_score":0.265869430369801},{"text":"You pop it into your super fund from your bank account there.","start":1690.995,"end":1694.215,"sentiment":"neutral","sentiment_score":0.254710844407479},{"text":"And then at the end of the financial year, we make sure we've claimed the notice of intent.","start":1694.5149,"end":1698.355,"sentiment":"neutral","sentiment_score":0.18593645261393654}],"sentiment":"neutral","sentiment_score":0.32333949590856964,"num_words":74,"start":1675.05,"end":1698.355},{"sentences":[{"text":"I'll check a couple of times a year to find out when they need to be claimed, and I'll make sure we claim them so you get the maximum benefit from those.","start":1698.355,"end":1705.87,"sentiment":"neutral","sentiment_score":0.27708060783334076},{"text":"Okay?","start":1706.01,"end":1706.51,"sentiment":"neutral","sentiment_score":0.2108239233493805},{"text":"But the table at the bottom essentially shows you that what it can do there.","start":1707.13,"end":1711.0499,"sentiment":"neutral","sentiment_score":0.2813421944777171},{"text":"So you put that money into your super fund there.","start":1711.0499,"end":1713.85,"sentiment":"neutral","sentiment_score":0.32696014642715454},{"text":"You then claim that as a bit of a tax deduction on your income, which helps to reduce your taxable income.","start":1713.85,"end":1720.135,"sentiment":"neutral","sentiment_score":0.306845253244752}],"sentiment":"neutral","sentiment_score":0.291277064222701,"num_words":79,"start":1698.355,"end":1720.135},{"sentences":[{"text":"You can kinda go from and this is just showing you without any additional deductions and things like that.","start":1720.195,"end":1725.875,"sentiment":"neutral","sentiment_score":0.31026934008849294},{"text":"This is sort of showing you that if you start with 60,000 there, you put that 5,200 into super.","start":1725.875,"end":1731.815,"sentiment":"positive","sentiment_score":0.4593232603449571},{"text":"It reduces your taxable income there.","start":1731.95,"end":1734.37,"sentiment":"positive","sentiment_score":0.6639475226402283},{"text":"It also reduces, essentially, the expectation that it reduces the tax payable on your income as well, so it saves you some income tax.","start":1734.59,"end":1742.05,"sentiment":"positive","sentiment_score":0.6466720004876455},{"text":"It does mean by putting the funds into super, once we claim that notice of intent, your super fund does pay tax on that.","start":1742.91,"end":1749.065,"sentiment":"positive","sentiment_score":0.3797191437333822}],"sentiment":"positive","sentiment_score":0.46999273918893025,"num_words":92,"start":1720.195,"end":1749.065},{"sentences":[{"text":"Essentially, it's about $780, but you end up saving more than what is taxed inside super, so it provides you with a much greater effect.","start":1749.5249,"end":1759.1449,"sentiment":"positive","sentiment_score":0.6517951357364654},{"text":"Okay?","start":1759.445,"end":1759.945,"sentiment":"neutral","sentiment_score":0.2882651090621948},{"text":"Beautiful.","start":1761.5399,"end":1762.0399,"sentiment":"positive","sentiment_score":0.7175167202949524},{"text":"Did you have any questions about how that works, or did you want me to go into more detail there?","start":1762.26,"end":1767.2999,"sentiment":"neutral","sentiment_score":0.12931977212429047},{"text":"Or no.","start":1767.2999,"end":1769.94,"sentiment":"neutral","sentiment_score":-0.14548422396183014}],"sentiment":"positive","sentiment_score":0.399920147292468,"num_words":49,"start":1749.5249,"end":1769.94},{"sentences":[{"text":"That's okay.","start":1769.94,"end":1770.84,"sentiment":"neutral","sentiment_score":-0.04630946181714535},{"text":"Yeah.","start":1775.475,"end":1775.955,"sentiment":"neutral","sentiment_score":0.0840613842010498},{"text":"That's okay.","start":1775.955,"end":1776.7749,"sentiment":"neutral","sentiment_score":0.23416051268577576},{"text":"As you once you you've once I've gone through this with you this afternoon, you'll get some time to go back and have a really good read of it.","start":1777.075,"end":1783.315,"sentiment":"neutral","sentiment_score":0.33107183205670326},{"text":"So run your eyes over the information there.","start":1783.315,"end":1786.195,"sentiment":"neutral","sentiment_score":0.25769538804888725}],"sentiment":"neutral","sentiment_score":0.2886288028565191,"num_words":42,"start":1769.94,"end":1786.195},{"sentences":[{"text":"We've got the recommendation outlined.","start":1786.195,"end":1787.955,"sentiment":"positive","sentiment_score":0.3404528498649597},{"text":"You'll see on each those pages there, we've also got a best interest duty.","start":1787.955,"end":1791.29,"sentiment":"neutral","sentiment_score":0.2143183946609497},{"text":"So this is essentially how tying this recommendation is in your best interest, how we tie it back to your goals, and how this is working harder for you at the end of the day.","start":1791.29,"end":1800.67,"sentiment":"positive","sentiment_score":0.46732984014919826},{"text":"We also outlined there the advantages, the disadvantages, and the risks involved and any alternatives that we've considered as well.","start":1801.13,"end":1807.995,"sentiment":"neutral","sentiment_score":0.22511341450735928},{"text":"So you'll be able to go back and have a really good review of the entire document, have a bit of a read through it.","start":1807.995,"end":1813.935,"sentiment":"positive","sentiment_score":0.45300536990165713}],"sentiment":"positive","sentiment_score":0.3725926133079661,"num_words":99,"start":1786.195,"end":1813.935},{"sentences":[{"text":"It's sometimes it's easier when I'm not sort of talking at you for you to run your eyes over it and take it all in.","start":1814.395,"end":1820.51,"sentiment":"positive","sentiment_score":0.35362367510795595},{"text":"And then let me know if you do have questions.","start":1820.51,"end":1822.4299,"sentiment":"neutral","sentiment_score":0.2700362578034401},{"text":"As as I said, there's no such thing as a silly question.","start":1822.4299,"end":1825.09,"sentiment":"neutral","sentiment_score":0.12055979544917743},{"text":"If it's something you're curious about or you want me to kinda go into more detail for you, I'm absolutely happy to do so.","start":1825.3099,"end":1831.65,"sentiment":"positive","sentiment_score":0.4904298198719819},{"text":"Part of what I love about my job isn't just being able to say this is what I'm gonna do to help you and help you to meet your goal.","start":1832.235,"end":1838.575,"sentiment":"positive","sentiment_score":0.6915966312090556}],"sentiment":"positive","sentiment_score":0.45055333281507587,"num_words":101,"start":1814.395,"end":1838.575},{"sentences":[{"text":"It's also the educational value as well because it's you've worked really hard all your life thus far, and you've got a lot of life left to work.","start":1838.635,"end":1845.915,"sentiment":"positive","sentiment_score":0.6786729054791587},{"text":"And this is part of your income, so you wanna make sure it's been looked after correctly.","start":1845.915,"end":1850.51,"sentiment":"positive","sentiment_score":0.441788491080789},{"text":"You wanna make sure that it's working for you so that when you get to the year that you wanna retire, you get to retire.","start":1850.51,"end":1856.51,"sentiment":"positive","sentiment_score":0.5699956583976745},{"text":"You get to access your money, and you get to enjoy the life that you've always wanted and worked so hard for.","start":1856.51,"end":1861.425,"sentiment":"positive","sentiment_score":0.7100819268009879},{"text":"So, you know, that's really important to me, and making sure that this is working harder for you is just as important.","start":1861.425,"end":1867.125,"sentiment":"neutral","sentiment_score":0.11025113646279681}],"sentiment":"positive","sentiment_score":0.5158812680134648,"num_words":114,"start":1838.635,"end":1867.125},{"sentences":[{"text":"Okay?","start":1867.3451,"end":1867.8451,"sentiment":"neutral","sentiment_score":0.08722597360610962},{"text":"Yeah.","start":1869.025,"end":1869.525,"sentiment":"neutral","sentiment_score":0.19723808765411377},{"text":"Beautiful.","start":1869.665,"end":1870.165,"sentiment":"positive","sentiment_score":0.5648107528686523},{"text":"Beautiful.","start":1870.385,"end":1870.885,"sentiment":"positive","sentiment_score":0.5610294342041016},{"text":"Essentially, that's most of the recommendations there.","start":1872.0651,"end":1874.7101,"sentiment":"neutral","sentiment_score":0.33265733293124605}],"sentiment":"positive","sentiment_score":0.33990050716833636,"num_words":11,"start":1867.3451,"end":1874.7101},{"sentences":[{"text":"It is a nice easy one for you.","start":1874.7101,"end":1876.31,"sentiment":"positive","sentiment_score":0.6287693083286285},{"text":"We do also put in there that we do recommend making sure that you do have a will and power of attorney in place.","start":1876.31,"end":1881.6101,"sentiment":"neutral","sentiment_score":0.20529517345130444},{"text":"Your beneficiaries were in place, and we confirmed you were happy with those.","start":1882.0701,"end":1885.3501,"sentiment":"positive","sentiment_score":0.3531316106136029},{"text":"But we do find it's important to also look to, you know, make sure that you are aware of how important having a will and power of attorney is.","start":1885.3501,"end":1892.635,"sentiment":"neutral","sentiment_score":0.021641875304089023},{"text":"We don't do those.","start":1892.855,"end":1893.895,"sentiment":"neutral","sentiment_score":-0.11666036397218704}],"sentiment":"neutral","sentiment_score":0.18857592942778212,"num_words":78,"start":1874.7101,"end":1893.895},{"sentences":[{"text":"We can refer you to a solicitor for the setting up of those.","start":1893.895,"end":1897.355,"sentiment":"neutral","sentiment_score":0.007265682117297099},{"text":"And I would suggest if you also do have a local solicitor that you're comfortable with, it's absolutely fine to meet with them.","start":1898.055,"end":1904.3151,"sentiment":"neutral","sentiment_score":0.11443108385023863},{"text":"Again, estate planning is another very critical error, but it's also making sure that you're comfortable having those conversations with the person that's throwing your will up.","start":1904.72,"end":1912.64,"sentiment":"neutral","sentiment_score":0.007416218329496958},{"text":"So sorry.","start":1912.64,"end":1913.2001,"sentiment":"neutral","sentiment_score":-0.059405796229839325},{"text":"You don't have to by any means.","start":1913.2001,"end":1918.415,"sentiment":"neutral","sentiment_score":-0.11752383730241231}],"sentiment":"neutral","sentiment_score":0.027571225519447278,"num_words":72,"start":1893.895,"end":1918.415},{"sentences":[{"text":"We recommend that you do have a will and power of attorney, but there's no rule that says you have to.","start":1918.415,"end":1923.535,"sentiment":"neutral","sentiment_score":-0.05553907315645899},{"text":"Yeah.","start":1923.535,"end":1924.035,"sentiment":"neutral","sentiment_score":-0.13237264752388},{"text":"The other thing to sorta consider is that if you were to pass away as much as sorry.","start":1935.15,"end":1940.1101,"sentiment":"neutral","sentiment_score":-0.2658296980791622},{"text":"As much as everything under most state laws does go to your wife, there's a point of a a certain process of probate to go through.","start":1940.1101,"end":1948.605,"sentiment":"neutral","sentiment_score":-0.0660611681926709},{"text":"And I have seen in the past where, you know, a spouse has passed away, everything has to go through probate anyway.","start":1948.985,"end":1955.485,"sentiment":"neutral","sentiment_score":-0.06571311943910339}],"sentiment":"neutral","sentiment_score":-0.1050784857943654,"num_words":88,"start":1918.415,"end":1955.485},{"sentences":[{"text":"It doesn't automatically go to her.","start":1955.625,"end":1957.725,"sentiment":"neutral","sentiment_score":-0.07560541418691476},{"text":"And it does mean that going through probate means that other people can come forward and and place a stake on the claim.","start":1958.54,"end":1964.22,"sentiment":"neutral","sentiment_score":0.024227971939936928},{"text":"There's no guarantees they're gonna get it, but they're allowed to come forward and make a claim for, you know, a part of your estate.","start":1964.22,"end":1971.44,"sentiment":"neutral","sentiment_score":-0.025195654928684235},{"text":"And I have seen parts of the state being passed off to people where they really weren't entitled.","start":1971.825,"end":1977.365,"sentiment":"neutral","sentiment_score":-0.15708613851004177},{"text":"It wasn't where it wasn't where the person wanted their estate to be passed off to, and it can mean that things are distributed unevenly as well.","start":1977.985,"end":1987.4801,"sentiment":"neutral","sentiment_score":-0.190995662300675}],"sentiment":"neutral","sentiment_score":-0.085966806858778,"num_words":99,"start":1955.625,"end":1987.4801},{"sentences":[{"text":"So no.","start":1987.4801,"end":1993.0801,"sentiment":"neutral","sentiment_score":-0.0330428434535861},{"text":"That's okay.","start":1993.0801,"end":1993.64,"sentiment":"neutral","sentiment_score":0.043725961819291115},{"text":"So everything else is ending in your name.","start":1993.64,"end":1995.4801,"sentiment":"neutral","sentiment_score":0.05844256142154336},{"text":"So your bank accounts, your super and your life insurance is all covered under your beneficiary, so that's absolutely fine.","start":1995.4801,"end":2001.895,"sentiment":"neutral","sentiment_score":0.13053635694086552},{"text":"But things like your bank accounts, anything with your name on it, cars, boats, caravans, contents, might they have family heirlooms or tools of trade or things like that.","start":2002.355,"end":2013.69,"sentiment":"neutral","sentiment_score":-0.00044086883808004457}],"sentiment":"neutral","sentiment_score":0.05060407656748764,"num_words":61,"start":1987.4801,"end":2013.69},{"sentences":[{"text":"So a lot of those bits and pieces because once you pass away, your family has to gather essentially all of your assets, and they do a final tax return for you.","start":2013.69,"end":2023.39,"sentiment":"neutral","sentiment_score":-0.00043811986688524485},{"text":"So they have to kinda correlate everything and put it together, and it's called the estate.","start":2023.5349,"end":2028.255,"sentiment":"neutral","sentiment_score":0.05680315522477031},{"text":"And that's just correlating all the information on all the assets you have, all your bank accounts, any investments you might have, any money stashed away or anything that might be sold off or considered point of value, and your estate has to do a final tax return once you've passed away, and then it all goes through probate.","start":2028.255,"end":2047.44,"sentiment":"neutral","sentiment_score":-0.01774822813221964},{"text":"So it is quite a lengthy process.","start":2047.66,"end":2049.6,"sentiment":"neutral","sentiment_score":-0.17615825150694167},{"text":"Most of the time, you know, things just go straight to your spouse.","start":2050.785,"end":2054.2249,"sentiment":"neutral","sentiment_score":-0.18839731583228478}],"sentiment":"neutral","sentiment_score":-0.030193603766246104,"num_words":127,"start":2013.69,"end":2054.2249},{"sentences":[{"text":"The judge goes, right.","start":2054.2249,"end":2055.185,"sentiment":"neutral","sentiment_score":-0.11652543395757675},{"text":"Cool.","start":2055.185,"end":2055.505,"sentiment":"neutral","sentiment_score":0.07349764555692673},{"text":"No one's really stuck your claim.","start":2055.505,"end":2056.945,"sentiment":"negative","sentiment_score":-0.5967597564061483},{"text":"No one's entitled or anything.","start":2056.945,"end":2058.2249,"sentiment":"negative","sentiment_score":-0.5030889928340911},{"text":"Goes straight to the spouse.","start":2058.2249,"end":2059.505,"sentiment":"neutral","sentiment_score":-0.301059889793396}],"sentiment":"negative","sentiment_score":-0.380662240087986,"num_words":21,"start":2054.2249,"end":2059.505},{"sentences":[{"text":"Absolutely fine.","start":2059.505,"end":2060.565,"sentiment":"neutral","sentiment_score":0.17580308103060815},{"text":"But there are those instances where families can come forward, past partners, you know, relatives you may not speak to, stake a claim, and if their claim is good enough or if the judge deems that viable under yeah.","start":2061.105,"end":2073.92,"sentiment":"neutral","sentiment_score":-0.03478988451071274},{"text":"They can pass off some of your estate.","start":2073.92,"end":2076.16,"sentiment":"negative","sentiment_score":-0.3454962223768234},{"text":"So it's not guaranteed by any means.","start":2076.16,"end":2079.045,"sentiment":"neutral","sentiment_score":-0.24388536172253744},{"text":"It could be a lot more of a straightforward process than, you know, what I've kinda gone through.","start":2079.045,"end":2083.285,"sentiment":"neutral","sentiment_score":0.047262202534410686}],"sentiment":"neutral","sentiment_score":-0.06250874323391267,"num_words":74,"start":2059.505,"end":2083.285},{"sentences":[{"text":"However, I have seen it go both ways.","start":2083.285,"end":2085.705,"sentiment":"positive","sentiment_score":0.34817126393318176},{"text":"And having something like a will kit, you can even go to the post office and just purchase the will kit.","start":2085.7651,"end":2092.17,"sentiment":"positive","sentiment_score":0.34034070940244765},{"text":"I think I saw them in there the other day for about $35 now.","start":2092.17,"end":2095.79,"sentiment":"neutral","sentiment_score":0.29421272022383554},{"text":"And you just go through the will kit.","start":2095.85,"end":2097.45,"sentiment":"neutral","sentiment_score":0.30096860229969025},{"text":"You just fill it out as per the instructions noting who you want to have what, and then make sure someone knows where it's located, your wife or your kids or someone that you trust knows where that will kit is set, and just make sure it's all done as per the instructions.","start":2097.45,"end":2115.125,"sentiment":"neutral","sentiment_score":0.2599581891916833}],"sentiment":"neutral","sentiment_score":0.29074073016930085,"num_words":104,"start":2083.285,"end":2115.125},{"sentences":[{"text":"And then at least you've got a will in place.","start":2115.6501,"end":2117.57,"sentiment":"positive","sentiment_score":0.38110927641391756},{"text":"It's a much cheaper way than going to speak to a solicitor, and it can be just as effective as well, but it's just about making sure your your wishes are adhered to.","start":2117.57,"end":2126.1301,"sentiment":"positive","sentiment_score":0.4523691182786768},{"text":"Does that make 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passing.","start":2219.925,"end":2237.08,"sentiment":"neutral","sentiment_score":0.2355383956918911},{"text":"Okay.","start":2237.46,"end":2237.96,"sentiment":"neutral","sentiment_score":0.11253359913825987},{"text":"Yeah.","start":2238.98,"end":2239.48,"sentiment":"neutral","sentiment_score":0.12967392802238464},{"text":"Yeah.","start":2240.58,"end":2241.08,"sentiment":"neutral","sentiment_score":0.108488030731678}],"sentiment":"neutral","sentiment_score":0.20374787919092596,"num_words":57,"start":2217.925,"end":2241.08},{"sentences":[{"text":"It's a bit different when you think of it about that, isn't it?","start":2241.14,"end":2243.7,"sentiment":"neutral","sentiment_score":-0.02795957071849933},{"text":"Most of us look at things and go, yeah.","start":2243.7,"end":2245.3,"sentiment":"neutral","sentiment_score":-0.08386069825953907},{"text":"It's probably not really anything anyone wants here, but, you you know, you just never know.","start":2245.3,"end":2250.435,"sentiment":"neutral","sentiment_score":-0.16466676350682974},{"text":"I know when my grandmother, when she was alive and went in into aged care, she didn't think anyone wanted anything, and she said, oh, come and put stickers on the things that you want.","start":2250.435,"end":2258.88,"sentiment":"neutral","sentiment_score":-0.01757769307919911},{"text":"And everyone turned up putting stickers on everything.","start":2259.5999,"end":2262.18,"sentiment":"neutral","sentiment_score":0.07688823901116848}],"sentiment":"neutral","sentiment_score":-0.046333361302077034,"num_words":81,"start":2241.14,"end":2262.18},{"sentences":[{"text":"So it just just kinda goes to show that you may have a lot more valuable a lot more valuable items or a lot more to that is valuable to some of your family members than what it was to 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all.","start":2308.055,"end":2313.835,"sentiment":"positive","sentiment_score":0.5315741213659445},{"text":"Yeah.","start":2313.895,"end":2314.395,"sentiment":"neutral","sentiment_score":0.21923024952411652},{"text":"Yeah.","start":2315.7,"end":2316.2,"sentiment":"neutral","sentiment_score":0.15931925177574158},{"text":"On page 37, when you get to the bottom, you'll see the remuneration side of things.","start":2317.46,"end":2321.7,"sentiment":"neutral","sentiment_score":0.1160438908264041},{"text":"So the advice that we do provide, because you're an ongoing client, you pay the ongoing service fee of 1.65% per annum.","start":2321.7,"end":2328.76,"sentiment":"neutral","sentiment_score":0.23028462583368475}],"sentiment":"neutral","sentiment_score":0.31342644430696964,"num_words":64,"start":2308.055,"end":2328.76},{"sentences":[{"text":"That essentially means that we're providing 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receive remuneration from Neos for the insurances.","start":2348.73,"end":2354.5898,"sentiment":"neutral","sentiment_score":0.22057104483246803},{"text":"It's 22% ongoing, so it's estimated based on the current premium.","start":2355.93,"end":2360.295,"sentiment":"neutral","sentiment_score":0.21275462074713272},{"text":"We'll receive about $533 this year.","start":2360.295,"end":2363.435,"sentiment":"neutral","sentiment_score":0.30936889350414276},{"text":"That's all disclosed on page number 37 for you.","start":2363.9749,"end":2367.915,"sentiment":"neutral","sentiment_score":0.24652998314963448},{"text":"All the we just like to make sure you're aware of everything that you are paying and what it looks like for you, And our job is to help work towards your goals and work in your best interest, and that's why we have the best interest duty in the advice 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you.","start":2440.2698,"end":2448.1099,"sentiment":"neutral","sentiment_score":0.22903072653394757},{"text":"Okay?","start":2448.1099,"end":2448.6099,"sentiment":"neutral","sentiment_score":0.15747863054275513},{"text":"All good.","start":2450.325,"end":2450.985,"sentiment":"positive","sentiment_score":0.6027921140193939},{"text":"All good.","start":2451.045,"end":2451.785,"sentiment":"positive","sentiment_score":0.5943431258201599}],"sentiment":"neutral","sentiment_score":0.18081692850531697,"num_words":77,"start":2430.645,"end":2451.785},{"sentences":[{"text":"Do you have any questions?","start":2452.005,"end":2453.285,"sentiment":"neutral","sentiment_score":0.13642021119594575},{"text":"Is there anything that you might wanna ask at the moment?","start":2453.285,"end":2455.705,"sentiment":"neutral","sentiment_score":0.06889864666895433},{"text":"No?","start":2458.645,"end":2459.125,"sentiment":"neutral","sentiment_score":-0.15116256475448608},{"text":"Beautiful.","start":2459.125,"end":2459.625,"sentiment":"neutral","sentiment_score":0.20654574036598208},{"text":"All good.","start":2459.845,"end":2460.505,"sentiment":"positive","sentiment_score":0.3484821021556854}],"sentiment":"neutral","sentiment_score":0.10961667746305466,"num_words":20,"start":2452.005,"end":2460.505},{"sentences":[{"text":"All all good.","start":2462.405,"end":2463.49,"sentiment":"positive","sentiment_score":0.5030681391557058},{"text":"Well, look, I've rambled on a lot there for you, so I will let you go.","start":2463.49,"end":2466.6902,"sentiment":"positive","sentiment_score":0.3519508270546794},{"text":"You're welcome to have a bit of time to read through that one.","start":2466.6902,"end":2469.4302,"sentiment":"positive","sentiment_score":0.4645778009524712},{"text":"I'll get that email this afternoon with the contributions details for your fund to make it a bit easier on you.","start":2469.6501,"end":2474.865,"sentiment":"positive","sentiment_score":0.49286551560674396},{"text":"And if you find after you've read it over that any questions do come up, feel free to let me know.","start":2475.185,"end":2480.165,"sentiment":"neutral","sentiment_score":0.2505579179241544}],"sentiment":"positive","sentiment_score":0.3890786644172024,"num_words":74,"start":2462.405,"end":2480.165},{"sentences":[{"text":"If after you've read it through, you're fairly comfortable with it all, we'll just get you to sign and return it back, and we can get started on implementing that for you.","start":2480.465,"end":2488.05,"sentiment":"positive","sentiment_score":0.40698394319042563},{"text":"And we can do a catch up in a few months as well to see how things are 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you ever get stuck, let me know.","start":2513.8152,"end":2515.44,"sentiment":"neutral","sentiment_score":0.03173141409125593},{"text":"We can always do a bit of a catch up and and print out anything or email anything you need.","start":2515.44,"end":2521.04,"sentiment":"neutral","sentiment_score":0.08719321377575398}],"sentiment":"neutral","sentiment_score":0.06612351548154743,"num_words":49,"start":2508.215,"end":2521.04},{"sentences":[{"text":"But, yeah, in the transactions, you'll see those contributions being received and invested.","start":2521.04,"end":2524.98,"sentiment":"neutral","sentiment_score":0.07556406093331483},{"text":"Yeah.","start":2525.28,"end":2525.78,"sentiment":"neutral","sentiment_score":0.07700014859437943},{"text":"Yep.","start":2526.88,"end":2527.365,"sentiment":"positive","sentiment_score":0.35045433044433594},{"text":"Fantastic.","start":2527.605,"end":2528.105,"sentiment":"positive","sentiment_score":0.6754838228225708},{"text":"Oh, 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we'll look to make sure we do catch ups.","start":2559.7651,"end":2567.225,"sentiment":"neutral","sentiment_score":0.004305340606590797}],"sentiment":"neutral","sentiment_score":0.009177993329895008,"num_words":77,"start":2547.1802,"end":2567.225},{"sentences":[{"text":"When we did your annual review, you said you were pretty comfortable with the six monthly catch up.","start":2567.445,"end":2571.96,"sentiment":"neutral","sentiment_score":0.10605425491101211},{"text":"Do you still feel that's fairly comfortable for 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expectation, please let me know.","start":2619.6848,"end":2624.9102,"sentiment":"neutral","sentiment_score":-0.1590088750033275},{"text":"I'll do everything I can to make sure I live up to the expectation.","start":2625.29,"end":2627.95,"sentiment":"neutral","sentiment_score":0.3106709676129477},{"text":"And look so we'll set a catch up for in six months' time from today.","start":2628.4102,"end":2631.79,"sentiment":"neutral","sentiment_score":0.20494376619656882},{"text":"And if anything comes up and you just want an extra catch up here or there or there's an ad hoc thing or a random question, you let me know.","start":2632.17,"end":2638.83,"sentiment":"neutral","sentiment_score":0.07237703800201416},{"text":"I don't work Fridays, but I work really early in the morning.","start":2639.325,"end":2642.205,"sentiment":"neutral","sentiment_score":-0.00030285197620590526}],"sentiment":"neutral","sentiment_score":0.06312790245531087,"num_words":94,"start":2619.6848,"end":2642.205},{"sentences":[{"text":"So generally from 07:30 to about six, 07:00 at night, Monday to Thursday, and I'll happily speak to you after work if we need to.","start":2642.205,"end":2649.805,"sentiment":"neutral","sentiment_score":0.09368864044547082},{"text":"If you really need me on a Friday, I'll make sure I've got time for you then as well.","start":2649.805,"end":2653.645,"sentiment":"neutral","sentiment_score":0.09531884307139799},{"text":"So at the end of the day, I work for you now, Jason.","start":2653.645,"end":2656.8499,"sentiment":"neutral","sentiment_score":0.24382141347114855},{"text":"So you let me know what you need, and I will make sure that I'm here to support you.","start":2656.91,"end":2661.39,"sentiment":"positive","sentiment_score":0.3571504228993466},{"text":"Okay?","start":2661.39,"end":2661.89,"sentiment":"neutral","sentiment_score":0.15882231295108795}],"sentiment":"neutral","sentiment_score":0.1852939318526875,"num_words":77,"start":2642.205,"end":2661.89},{"sentences":[{"text":"Amazing.","start":2663.55,"end":2664.05,"sentiment":"positive","sentiment_score":0.6709099411964417},{"text":"Well, thank you so much for your time.","start":2664.1099,"end":2665.55,"sentiment":"positive","sentiment_score":0.7414489760994911},{"text":"I'll let you go to have a look at everything.","start":2665.55,"end":2667.31,"sentiment":"positive","sentiment_score":0.517805552482605},{"text":"If there's any questions that of any of that, you let me know.","start":2667.31,"end":2670.1948,"sentiment":"neutral","sentiment_score":0.25112548011999863},{"text":"Okay?","start":2670.1948,"end":2670.6948,"sentiment":"neutral","sentiment_score":0.15628637373447418}],"sentiment":"positive","sentiment_score":0.46065075424584473,"num_words":33,"start":2663.55,"end":2670.6948},{"sentences":[{"text":"Fantastic.","start":2672.6748,"end":2673.1748,"sentiment":"positive","sentiment_score":0.7753825187683105},{"text":"Thank you so much.","start":2673.4749,"end":2674.355,"sentiment":"positive","sentiment_score":0.8449431359767914},{"text":"It's been a pleasure to put this together for you, and I hope you have a good relaxing evening.","start":2674.355,"end":2678.375,"sentiment":"positive","sentiment_score":0.8167515365700972},{"text":"Oh, good.","start":2682.48,"end":2683.12,"sentiment":"positive","sentiment_score":0.42607951164245605},{"text":"I'll let you go, but thank you for your time.","start":2683.12,"end":2684.96,"sentiment":"positive","sentiment_score":0.5655875504016876}],"sentiment":"positive","sentiment_score":0.7272630218002532,"num_words":36,"start":2672.6748,"end":2684.96},{"sentences":[{"text":"I hope you have a wonderful rest of your week.","start":2684.96,"end":2687.22,"sentiment":"positive","sentiment_score":0.6976454854011536},{"text":"Thanks, Jason.","start":2688.56,"end":2689.44,"sentiment":"positive","sentiment_score":0.5583844780921936},{"text":"See you later.","start":2689.44,"end":2690.16,"sentiment":"positive","sentiment_score":0.45856855312983197},{"text":"Bye.","start":2690.16,"end":2690.66,"sentiment":"neutral","sentiment_score":-0.04451335594058037}],"sentiment":"positive","sentiment_score":0.5890260071028024,"num_words":16,"start":2684.96,"end":2690.66}]}}]},{"alternatives":[{"transcript":"Hello? Hi. Not too bad. Yeah. No. It should be fine. I always say I forgot I forgot about the daylight savings. Yeah. And that's what I finished. It's it's only 04:00 up there, isn't it? Oh, you're off oh, you you do today. What's happening as well? Alright. I can. Yeah. Fair enough. Just got my time. That's all. Yeah. Yeah. That's fine. Yep. Yep. That's it. Uh-huh. Mhmm. No. I was busy. Yeah. No. It's been good. Yes. Yeah. Yes. Yeah. That's fine. Yeah. Jason Gauci, fifteenth of the second nineteen seventy three. And what else was there? 9 King Street up in New South Wales. Yep. Yep. Yep. I've got that. Yep. Yeah. Yep. 20 20. So oops. It's 18, 19, 20. Yep. Got it. Yep. Yep. No. Yes. Right. Alright. Yeah. Yeah. Yeah. Yep. Nine twenty three. Yep. It's It's going it's going I mean, blank. I'm just waiting for the it's coming back. '23. Right. Yep. Hang on. Yep. Right. I got a I got a question. It's the adviser service fee. Who's my adviser? Right. You are now. Okay. Just making sure because I had Severino Severino, I think his name was. Yep. Yeah. And I hadn't spoken to him for a long time. That's why I was just wondering who's who's my actual adviser. Yeah. Yeah. Not a problem. Yes. Yep. Yes. Yep. No. That's all good, so far. Yeah. Well, I have one. With the print contributions, we spoke about me putting money in probably weekly. How do I go about doing that? Yes. Yes. Yes. Yep. No. Sort of. It does. I just yes. So I'd I'd have to put that in through my business account. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. No. That's all. Seems I've said it's monetary then. Yeah. Yeah. Yep. Yes. Yep. Right. Yeah. Yeah. Yeah. Yep. Yeah. Yeah. Okay. Yep. Yep. No. Yeah. Alright. I'm done. Yep. Yeah. Yep. Yeah. Yeah. No. Not really. No. It's yeah. It's kinda understand it. Yep. Yep. I mean, do do I really have to or not? Oh, yeah. I mean, all all all my my thoughts were is if, you know, I did pass away, I mean, everything goes to my wife and she distributes between my kids. Right. What do you mean by estates? Like, I don't I mean, I rent. I don't have a property. Right. Right. Yeah. It sounds easy. Got it. Yep. Yeah. Fair enough. Fair enough. Yep. Yeah. Yep. No. Yep. Okay. Yep. No. Not really. Covering him up. Yeah. Okay. Yeah. Yep. And with with the contributions, will I see that on my app as well? No. Yeah. Will I see the the contributions? Okay. Oh, okay. Yeah. Yeah. No worries. No. No. Everything seems fine. Yeah. Mhmm. Yeah. That's fine. Yeah. The only, like, one concern I did have before was, like, I hadn't spoken to to Sevi for years, and I thought, well, what am I paying for? Because I'm paying was over a thousand dollars, and I'm thinking I'm not I'm not there's no and I tried to ring a few times, and it never got through. And it was very frustrating. 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Hi. Not too bad. Yeah. No.\n\nIt should be fine. I always say I forgot I forgot about the daylight savings. Yeah. And that's what I finished. It's it's only 04:00 up there, isn't it?\n\nOh, you're off oh, you you do today. What's happening as well? Alright. I can. Yeah.\n\nFair enough. Just got my time. That's all. Yeah. Yeah.\n\nThat's fine. Yep. Yep. That's it. Uh-huh.\n\nMhmm. No. I was busy. Yeah. No.\n\nIt's been good. Yes. Yeah. Yes. Yeah.\n\nThat's fine. Yeah. Jason Gauci, fifteenth of the second nineteen seventy three. And what else was there? 9 King Street up in New South Wales.\n\nYep. Yep. Yep. I've got that. Yep.\n\nYeah. Yep. 20 20. So oops. It's 18, 19, 20.\n\nYep. Got it. Yep. Yep. No.\n\nYes. Right. Alright. Yeah. Yeah.\n\nYeah. Yep. Nine twenty three. Yep. It's It's going it's going I mean, blank.\n\nI'm just waiting for the it's coming back. '23. Right. Yep. Hang on.\n\nYep. Right. I got a I got a question. It's the adviser service fee. Who's my adviser?\n\nRight. You are now. Okay. Just making sure because I had Severino Severino, I think his name was. Yep.\n\nYeah. And I hadn't spoken to him for a long time. That's why I was just wondering who's who's my actual adviser. Yeah. Yeah.\n\nNot a problem. Yes. Yep. Yes. Yep.\n\nNo. That's all good, so far. Yeah. Well, I have one. With the print contributions, we spoke about me putting money in probably weekly.\n\nHow do I go about doing that? Yes. Yes. Yes. Yep.\n\nNo. Sort of. It does. I just yes. So I'd I'd have to put that in through my business account.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. No. That's all.\n\nSeems I've said it's monetary then. Yeah. Yeah. Yep. Yes.\n\nYep. Right. Yeah. Yeah. Yeah.\n\nYep. Yeah. Yeah. Okay. Yep.\n\nYep. No. Yeah. Alright. I'm done.\n\nYep. Yeah. Yep. Yeah. Yeah.\n\nNo. Not really. No. It's yeah. It's kinda understand it.\n\nYep. Yep. I mean, do do I really have to or not? Oh, yeah. I mean, all all all my my thoughts were is if, you know, I did pass away, I mean, everything goes to my wife and she distributes between my kids.\n\nRight. What do you mean by estates? Like, I don't I mean, I rent. I don't have a property. Right.\n\nRight. Yeah. It sounds easy. Got it. Yep.\n\nYeah. Fair enough. Fair enough. Yep. Yeah.\n\nYep. No. Yep. Okay. Yep.\n\nNo. Not really. Covering him up. Yeah. Okay.\n\nYeah. Yep. And with with the contributions, will I see that on my app as well? No. Yeah.\n\nWill I see the the contributions? Okay. Oh, okay. Yeah. Yeah.\n\nNo worries. No. No. Everything seems fine. Yeah.\n\nMhmm. Yeah. That's fine. Yeah. The only, like, one concern I did have before was, like, I hadn't spoken to to Sevi for years, and I thought, well, what am I paying for?\n\nBecause I'm paying was over a thousand dollars, and I'm thinking I'm not I'm not there's no and I tried to ring a few times, and it never got through. And it was very frustrating. 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fine.","start":2536.695,"end":2538.2349,"sentiment":"neutral","sentiment_score":0.09991113841533661},{"text":"Yeah.","start":2572.74,"end":2573.24,"sentiment":"neutral","sentiment_score":0.06045737862586975}],"sentiment":"neutral","sentiment_score":0.08588179829530418,"num_words":8,"start":2526.25,"end":2573.24},{"sentences":[{"text":"Mhmm.","start":2574.18,"end":2574.66,"sentiment":"neutral","sentiment_score":0.01549659948796034},{"text":"Yeah.","start":2574.66,"end":2574.98,"sentiment":"neutral","sentiment_score":0.04149161279201507},{"text":"That's fine.","start":2574.98,"end":2575.7998,"sentiment":"neutral","sentiment_score":0.111472949385643},{"text":"Yeah.","start":2577.455,"end":2577.695,"sentiment":"neutral","sentiment_score":0.04193267226219177},{"text":"The only, like, one concern I did have before was, like, I hadn't spoken to to Sevi for years, and I thought, well, what am I paying for?","start":2577.695,"end":2588.94,"sentiment":"neutral","sentiment_score":-0.11693875970585006}],"sentiment":"neutral","sentiment_score":-0.08946722692273783,"num_words":33,"start":2574.18,"end":2588.94},{"sentences":[{"text":"Because I'm paying was over a thousand dollars, and I'm thinking I'm not I'm not there's no and I tried to ring a few times, and it never got through.","start":2590.46,"end":2599.935,"sentiment":"neutral","sentiment_score":-0.23672978008786838},{"text":"And it was very frustrating.","start":2599.935,"end":2603.805,"sentiment":"neutral","sentiment_score":-0.21993303000926973},{"text":"That's why that's why I had my concerns and I thought but now, I mean, if you're on the case, it's different.","start":2603.945,"end":2610.925,"sentiment":"neutral","sentiment_score":-0.10565868223255331},{"text":"I mean, obviously, like he said, he was busy all the time.","start":2611.385,"end":2614.745,"sentiment":"neutral","sentiment_score":-0.05229479198654493},{"text":"So yeah.","start":2614.745,"end":2617.4502,"sentiment":"neutral","sentiment_score":0.011667660437524319}],"sentiment":"neutral","sentiment_score":-0.15676410908115582,"num_words":71,"start":2590.46,"end":2617.4502},{"sentences":[{"text":"So no.","start":2617.4502,"end":2617.85,"sentiment":"neutral","sentiment_score":-0.03524565324187279},{"text":"It should be alright.","start":2617.85,"end":2618.83,"sentiment":"neutral","sentiment_score":0.062318963930010796},{"text":"Yeah.","start":2625.2102,"end":2625.7102,"sentiment":"neutral","sentiment_score":0.16317525506019592},{"text":"Yes.","start":2654.0498,"end":2654.5498,"sentiment":"neutral","sentiment_score":0.16608723998069763},{"text":"Alright.","start":2661.7148,"end":2662.1948,"sentiment":"neutral","sentiment_score":0.21906742453575137}],"sentiment":"neutral","sentiment_score":0.08079049653477138,"num_words":9,"start":2617.4502,"end":2662.1948},{"sentences":[{"text":"No problem.","start":2662.1948,"end":2662.9348,"sentiment":"positive","sentiment_score":0.3795212656259537},{"text":"Yep.","start":2671.46,"end":2671.54,"sentiment":"neutral","sentiment_score":0.1348922848701477},{"text":"Alright.","start":2671.54,"end":2672.04,"sentiment":"neutral","sentiment_score":0.2303919792175293},{"text":"No worries.","start":2672.0999,"end":2672.8398,"sentiment":"neutral","sentiment_score":0.3185112327337265},{"text":"I'll try to.","start":2678.98,"end":2680.04,"sentiment":"positive","sentiment_score":0.35954850912094116}],"sentiment":"neutral","sentiment_score":0.31555497646331787,"num_words":9,"start":2662.1948,"end":2680.04},{"sentences":[{"text":"Yeah.","start":2680.82,"end":2681.14,"sentiment":"neutral","sentiment_score":0.2180578112602234},{"text":"You too.","start":2681.14,"end":2681.88,"sentiment":"neutral","sentiment_score":0.2579776644706726},{"text":"Alright.","start":2687.2148,"end":2687.615,"sentiment":"neutral","sentiment_score":0.29953742027282715},{"text":"You too.","start":2687.615,"end":2688.095,"sentiment":"neutral","sentiment_score":0.3047233521938324},{"text":"Thanks.","start":2688.095,"end":2688.595,"sentiment":"positive","sentiment_score":0.4988747835159302}],"sentiment":"neutral","sentiment_score":0.3059817211968558,"num_words":7,"start":2680.82,"end":2688.595}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Jason. It's Dana from Oakey Financial. How are you today?\n\nChannel 1: Hi. Not too bad.\n\nChannel 0: That's good. I had you booked in to go through your updated statement of advice. Is now still a good time there for you?\n\nChannel 1: Yeah. No. It should be fine. I\n\nChannel 0: Yeah.\n\nChannel 1: always\n\nChannel 0: All\n\nChannel 1: say\n\nChannel 0: good.\n\nChannel 1: I forgot I forgot about the daylight savings.\n\nChannel 0: That's okay. You're not a problem at all. I'm very flexible. Always make sure I work around and then look yourself employed now. So it's important that you take the work when you've got it, so not an issue at all.\n\nChannel 1: Yeah. And that's what I finished. It's it's only 04:00 up there, isn't it?\n\nChannel 0: No. It's 05:00 here now. We're off there on savings now.\n\nChannel 1: Oh, you're off oh, you you do today.\n\nChannel 0: Yeah.\n\nChannel 1: What's happening as well?\n\nChannel 0: No. So I actually live in New South Wales. So I live on New South Wales times during daylight savings, which is very similar to yourself. And then I work in Queensland here and come to work on the Gold Coast. So I kind of move between\n\nChannel 1: Alright.\n\nChannel 0: time zones a bit like\n\nChannel 1: I\n\nChannel 0: you probably sometimes\n\nChannel 1: can.\n\nChannel 0: have to do.\n\nChannel 1: Yeah. Fair enough.\n\nChannel 0: Yeah. No. All good. All good. Jason, I've got a copy of your document to send through to you so you can run through it with me and have a look at it.\n\nDo you have access to your email, sir, at the moment? If you don't, that's okay. I can always\n\nChannel 1: Just\n\nChannel 0: go\n\nChannel 1: got\n\nChannel 0: through\n\nChannel 1: my\n\nChannel 0: it for\n\nChannel 1: time.\n\nChannel 0: you.\n\nChannel 1: That's all.\n\nChannel 0: Yeah. That's alright. Is it easy for you to be able to go in and have a look at that, or is it\n\nChannel 1: Yeah.\n\nChannel 0: not preferable?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. What I'll do is I'll just send it through to you then now. Just double checking. Your email address I have here is jason1jzed@hotmail.com. Is that right?\n\nChannel 1: Yep. That's it.\n\nChannel 0: Yep. Fantastic. Okay. So I'm just sending this one through to you. Sorry.\n\nMy computer's a little bit slow this afternoon. There we go. Oh, sorry. I'm it's a little bit telling me there's an issue with sending this through. I might have to go back out and resend it.\n\nI do apologize.\n\nChannel 1: Uh-huh.\n\nChannel 0: Love technology when it wants to work.\n\nChannel 1: Mhmm.\n\nChannel 0: All good. Let's see if this works for us. Beautiful.\n\nChannel 1: No.\n\nChannel 0: That's better. Other than how's how's your day been otherwise?\n\nChannel 1: I was busy.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: All good. And how's things sort of being since you're getting back to work and getting back into everything?\n\nChannel 1: No. It's been good.\n\nChannel 0: Yeah.\n\nChannel 1: Yes.\n\nChannel 0: Oh, that's good. You said last time we spoke that work's been picking up nicely for you as well.\n\nChannel 1: Yeah.\n\nChannel 0: Well, fantastic. That's really good to hear. Excellent. All good. Sorry.\n\nIt won't be two seconds. I'm just reattaching a few additional documents there, and it should be fine to go. Love technology. Love everything when it wants to work. When it doesn't tell you what.\n\nChannel 1: Yes.\n\nChannel 0: Beautiful. Okay. And this one's there. Fantastic. Now that's on its way to you, Jason.\n\nSo default is coming through. I will just let you know moving forward as we go through the advice document, we do record our calls for quality and training purposes. Are you happy for me to proceed with that moving forward?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yep. Fantastic. And then also just to go through and do security day with you as well, I'll just get you to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: Yeah. Jason Gauci, fifteenth of\n\nChannel 0: Yep.\n\nChannel 1: the second nineteen seventy three.\n\nChannel 0: Yep.\n\nChannel 1: And what else was there?\n\nChannel 0: Your address. Sorry.\n\nChannel 1: 9 King Street up in New South Wales.\n\nChannel 0: Fantastic. Thank you so much for that. So, hopefully, that should pop through to you in just in just a moment there. When you do, when you open up the\n\nChannel 1: Yep.\n\nChannel 0: email there, it's supposed to say statement of of advice with your name on the front of it there and then has all my adviser information on the bottom of the first page for you. Okay.\n\nChannel 1: Yep. Yep. I've got that.\n\nChannel 0: Fantastic. Now with that one there, I have also made it as an attachment to the documents there. But for you to be able to review this one, it will ask you just to agree or press the sign button so you can move forward. But it should\n\nChannel 1: Yep.\n\nChannel 0: just let you scroll up and down through the document there.\n\nChannel 1: Yeah.\n\nChannel 0: Fantastic. What I'll get you to do to make\n\nChannel 1: Yep.\n\nChannel 0: it easier, I'll let you go back and have a really good read of the document after the call, but just to run through the things that I need to run through with you. If you can scroll down to page number 20 there for me,\n\nChannel 1: 20\n\nChannel 0: you'll see all the investment tables.\n\nChannel 1: 20.\n\nChannel 0: Perfect.\n\nChannel 1: So oops. It's 18, 19, 20. Yep. Got it.\n\nChannel 0: There we go. Fantastic. Now when we sort of spoke, we did talk about and had a bit of a look at your portfolio. Now everything had been performing really nicely there, but we did wanna go back and just review things to make sure that you were invested in a growth portfolio, which essentially sees about 80% in those growth assets. So it's things like Australian shares, international shares, listed property, and commodities.\n\nAnd we\n\nChannel 1: Yep.\n\nChannel 0: had noted that one of those investments that have been along Australian equities have been underperforming a bit. So we talked about going back and just readjusting your portfolio and maybe rebalancing a little bit as well to make sure that you're not taking on too much risk because of all that volatility that we have sort of seen over the past few months there. So\n\nChannel 1: Yep.\n\nChannel 0: I did go back and have a really good look at your your super fund within Netwealth there and the investments that you invested in. As a whole, Netwealth itself is a great super fund. There's no real need to change that. We did review that and other funds out there. I am recommending that you do stay within Netwealth.\n\nThere's no need to change at the moment. Down the track, we might find something better. But the other thing to consider when we do look at switching in some super funds and switching investments, your super fund, just like you, does a tax return every year, so we do need to take into account the kind of tax consequences that your fund would need to, essentially cover or pay for at the end of the day. So, by staying within Netwealth, that does mean that your fund, doesn't have to pay a huge amount of capital gains or tax for moving the funds. It's also a lot easier for you as well.\n\nI mean, there's there's\n\nChannel 1: No.\n\nChannel 0: no real major changes that Netwealth has seen that puts you at a disadvantage. It is in in best interest, the remaining Netwealth there at the moment. Okay?\n\nChannel 1: Yes.\n\nChannel 0: I did have a look at the investments, and you'll see we've got the red and the green there. So, essentially, we are looking to do a bit of a switch. We'll be getting rid of all of the BAN along Australian equity. You'll see that one there is nice and red and all sold down to zero. But then we're also gonna make just a few additional changes there.\n\nSo you'll see the physical gold. We're not gonna sell all of that. Just rebalance you back a little bit. You've got about 12.66% of your portfolio on physical gold at the moment. So just selling some back and cementing some of the gains that it has been and having those gains redistributed elsewhere and bringing you back to about 10% there is preferable.\n\nWe've also got the Vanguard fixed interest fund. We're essentially just rebalancing and altering the portfolio. We're gonna sell all of that off, bring it down to zero there, and redistribute the the funds through some other investments. And then we've also got the iShares miscue europe European one there. We're gonna sell all of that down for you to zero and distribute the funds elsewhere.\n\nOnce\n\nChannel 1: Right.\n\nChannel 0: we've completed those sell downs, we're actually going to, a, keep 10% in the physical gold, but we're also going to buy a bit more into the beta shares cybersecurity, so you'll have about 5% invested there. The iShares European exposure will buy into that. You currently have about 5% there at the moment. We'll bring you up to 8% total over your portfolio. The iShares Mitsubishi Japan will buy a bit more of that as well, make sure you've got 5% distributed, and the iShares S and P 500.\n\nSo we'll bring you back up to about 30% and buy a little bit more in there. And then you've got the Vanguard All World ex US. This is just sort of giving you diversified exposure to the entire globe except The US. We don't need to buy into The US with this investment because we have it with the the S and P 500 exposure there. So one of the biggest things that's been able to mitigate risk and and look at ways to diversify your portfolio is to make sure we're getting exposure into not only some of the largest companies and already set set companies and set sorry.\n\nI'm looking for a set word. I can't think of it. Set markets, but also taking advantage of those up and coming as well. And the Vanguard All World ex US investment gives you exposure to all those sorts of market set. It is, as I said, exception not investing into The US for that investment, and that's because we have the S and P 500 already in there, and we wanna keep that.\n\nI know there has been a lot of ups and downs with the The US and with what's happening with Iran there as well over the last few months, but The US is still a good place to be. And having an exposure into the S and P 500 index over the longer term does generate really good returns as well. Okay?\n\nChannel 1: Alright.\n\nChannel 0: Excellent. Now because we are getting rid of the Bannelong Australian Equities Fund there, we do need to also replace your Australian exposure. So we're gonna use the BetaShares a 200 there. This is actually giving you more diversification to help lower the overall risk of your portfolio. So with Banda Long Australian Equities, they tend to hold anywhere from, say, 15 to 30 different investment options, whereas the BetaShares a 200 tracks the top 200 companies on the ASX.\n\nSo it's it's certainly it's distributing your funds across a large a much greater exposure in the Australian market, helping to diversify, but it's also a cheaper option as well. So the Bannalong was more of a managed fund, and the fund manager was trying to augment to outperform against the market, whereas the BetaShares a 200 investment is more passive. It's better to track the indices that it is following, and then as such, it is a bit cheaper as well. So it does save you an investment fees, which I'll show you below as well. Does that make sense so far?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. And then because we are getting rid of the Vanguard fixed interest there, we still wanna make sure you do have access and exposure to defensive investments. So these are lower risk investments. Our growth portfolio generally sees about 20% invested there. With the iShares core composite fund, it's looking at a government and corporate funds.\n\nIt also has diversification across the globe and also looks at bank notes and fixed interest and things like that as well. And we'd see about 14% invested in there, so it's within the very variance of a growth portfolio, which is fine. And it's about making sure that you've got a good a good array and exposure across asset classes, industries, as well as companies to make sure your portfolio is working for you, but that we're also mitigating as much risk as possible as we are doing so. Does that make sense so far,\n\nChannel 1: Yeah.\n\nChannel 0: Jason?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Yeah. So those are the changes that we'll essentially make with your portfolio. And if you scroll down the next page, you'll see we still have to keep a little bit of cash in the account. Essentially, we just wanna keep 1% cash there.\n\nSo about $11,061, the rest of the funds are to be distributed and invested as above there. Okay?\n\nChannel 1: Yep.\n\nChannel 0: If you go down to page number 23 for me, this is sort of where you see why we are making the changes that we are.\n\nChannel 1: Nine twenty three.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: It should have the heading fee comparison.\n\nChannel 1: It's It's going it's going I mean, blank. I'm just waiting for\n\nChannel 0: Oh,\n\nChannel 1: the\n\nChannel 0: it might be loading. Yeah.\n\nChannel 1: it's coming back. '23. Right. Yep. Hang on.\n\nChannel 0: Perfect.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Excellent. So with this one here, you'll see with the fee comparison table, it shows you your current versus the recommended. It's got your balance at the very top there in the current column. And then underneath that, you can see you're paying administration fees, investment fees, any other fees applicable, your ongoing service fee, and your contributions for sorry.\n\nYour no. There's no contributions at the moment, but you'll see your insurance premiums for the cover that you have with Neosair as well.\n\nChannel 1: Right.\n\nChannel 0: Underneath\n\nChannel 1: I got a I\n\nChannel 0: sorry.\n\nChannel 1: got\n\nChannel 0: You're\n\nChannel 1: a\n\nChannel 0: at\n\nChannel 1: question.\n\nChannel 0: yeah. Of course.\n\nChannel 1: It's the adviser service fee.\n\nChannel 0: Yes.\n\nChannel 1: Who's my adviser?\n\nChannel 0: So I am.\n\nChannel 1: Right. You are now. Okay.\n\nChannel 0: Yeah. Yep.\n\nChannel 1: Just making sure because I had Severino\n\nChannel 0: Oh,\n\nChannel 1: Severino, I think his name was.\n\nChannel 0: yeah. Seve. Yep.\n\nChannel 1: Yep. Yeah. And I hadn't spoken to him for a long time. That's why I was just wondering\n\nChannel 0: Okay.\n\nChannel 1: who's who's\n\nChannel 0: Yeah.\n\nChannel 1: my actual adviser.\n\nChannel 0: Absolutely. So the way things sorta have been able to change, and I know last year, there was a lot of a contact that we weren't able to make with everything that was kinda going on there, but we have had some changes to the business. So I've been an adviser for a couple of years now, so I've been able to take on a a certain book of clients and making sure that we're able to look after you and service things a bit better this year round. So I've made it put you into the book here. You're my client now.\n\nYou're still a client of both you, and Sevvy is still the licensee. It just means that I'll be the one that you get to speak to on more of a regular basis. I can make sure my team are doing catch ups with you as well, and we can make sure to provide that service a little bit deeply for you. So\n\nChannel 1: Yeah.\n\nChannel 0: if at any point you decide you don't want me to be your adviser, you're more than welcome to say you're not happy to do so. I'm more than happy to refer you on to somebody else if that's preferable. But if you're happy to, you know, stay with me, I'll make sure we do catch ups and and follow through and, you know, make sure that we do the reviews and make sure we're on track and looking forward towards your goals there for you and update the advice as we need to. Yeah.\n\nChannel 1: Yeah. Not a problem.\n\nChannel 0: Excellent. Excellent. Just back to that table there for you, Jason. I do apologize. At the moment, you are in that growth portfolio there, and you'll see that you've got that five year rolling average there.\n\nSo it's essentially showing showing you in the current scenario with the current portfolio that you're in, we take that and we look at the average that it has been able to perform over the past five years there. With the newer portfolio, you'll that in the recommended column there. So your balance, you'll also see underneath that your administration fees, your investment fees, again, the adviser service fee. I've included contributions into the recommendation for you as well, and then also your insurance premiums will be retained as they are. But\n\nChannel 1: Yes.\n\nChannel 0: the newer portfolio, the changes that we are making, when you look at that five year rolling average, it has shown that over the past five years, that newer portfolio has been able to perform greater. So when you take that projected little five year rolling average and project that over the next five to ten years, as you can see on the bottom page there, it can if if the portfolio can perform the way it has, and that's what we wanna do. We wanna make sure that it is performing correctly. And if it's not, we'll look to all make alterations to it for you. But you can definitely see over the next five to ten years if it's able to get what we has received over the past, you know, five years there, that it can see you in a much greater position moving forward.\n\nOkay?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Beautiful. I did may mention before as well the investment fees are a bit cheaper there. So with the investment fees in your current portfolio, it's got that $5.59 there. By making these changes, you're actually saving about $361 in investment fees for this year.\n\nSo this newer portfolio has performed greater in the longer term. It's\n\nChannel 1: Yes.\n\nChannel 0: also a lot cheaper for you as well, and keeping money invested is really important, especially if your life has changed. You're now self employed. So, you know, you're not getting the mining contributions going in there anymore. So it's about making sure that you're saving on fees where you can, keeping money\n\nChannel 1: Yep.\n\nChannel 0: retained in the fund and compounding forward towards your goals. Okay? Yeah. Do you have any questions about any of that so far?\n\nChannel 1: No. That's all good, so far.\n\nChannel 0: Yeah. Beautiful. All good. If you find you have questions, you're welcome to stop me and ask away. It's not an issue at all, and noticing it's a silly question.\n\nI'm here to help. And, you know, while you are looking the document, if anything comes up, just flag it for me. Okay?\n\nChannel 1: Yeah. Well, I have one.\n\nChannel 0: Yeah. Sure.\n\nChannel 1: With the print contributions, we spoke about me putting money in probably weekly.\n\nChannel 0: Yes. Yes.\n\nChannel 1: How do I go about doing that?\n\nChannel 0: I will help you to do that. That's a very, very good question. So what we'll do is and you'll see in this table here, we have recommended contributions be going in. Essentially, the way I'm I'm recommending those is we make them as a deductible contributions, and we talked about a $100 on a weekly basis. So\n\nChannel 1: Yes.\n\nChannel 0: what I can do is I can email you essentially the the contributions detail. You can do it generally by BPAY or EFT. The\n\nChannel 1: Yes.\n\nChannel 0: contributions are put into the account or into your super fund direct from your bank account. And then at the end of the financial year, I'll actually put a little I prefer to kinda do it more than once a year. So, essentially, I'll have a look at when your insurance premiums are due to come out, and I'll make sure we claim a notice of intent just before the insurance premiums are deducted, but then making sure we do another one at the end of the financial year. And that's\n\nChannel 1: Yes.\n\nChannel 0: because the way contributions go into super the way these will go into super is they come from your\n\nChannel 1: Yep.\n\nChannel 0: bank account. So they go in with it's what's called a non concessional after tax contribution. Because they go in that way, they go into your tax free component. And whenever money comes out of your super fund, like, to pay for insurance premiums, they it comes out of both components. You can't pick or choose where the money comes out of, and your super\n\nChannel 1: No.\n\nChannel 0: fund has two components. You've got a tax free component and a taxable component. The taxable component is where money has gone in and tax has come out straight away. The tax free component is where tax has not been deducted straight away. And when the insurance premiums come out, say your insurance premiums, as an example, costed a $100, if you had $50 in sale, say, a $100 in each of those components there, that $100 to your insurances comes out proportionately from both of those components.\n\nTo be able to get the best of this for you by making that contribution, from your bank account, it goes in that tax free side of things. So what I like to make sure we do is to make sure you're getting the most of that benefit just before your insurance premiums are due to come out of the account. Make sure you've claimed that notice of intent. That claims the full notice of intent to the contributions that are going in, and then we can do an adjustment at the end of the financial year. And that means you you get to claim the full amount of contributions going in without the amount that you're able to claim being reduced by insurance premiums.\n\nDoes that make sense? You're welcome to let me know if it doesn't.\n\nChannel 1: Sort of. It does.\n\nChannel 0: Yeah.\n\nChannel 1: I just\n\nChannel 0: Is this yeah.\n\nChannel 1: yes. So I'd I'd have to put that in through my business account.\n\nChannel 0: That's absolutely fine because you're a sole trader, so everything is under your name anyway. It's\n\nChannel 1: Yeah.\n\nChannel 0: not an issue at all. So what we'll do is we'll just send you the contributions information. You do the transfer in. You can have it set up as a regular EFT or a regular bank transfer, whatever is comfortable for yourself,\n\nChannel 1: Yeah.\n\nChannel 0: or you can manually do it on a weekly basis. And then I'll just make a little note to go in there and double check each a cup each, you know, a couple of times a year to see how much you've put in. And then when we need to make those notice of intents, we'll have them prefilled and sent to you to sign. We'll have them lodge with the fund for you. And the idea is, like, if you put with this at a $100 per week, it's $55,005 thousand $200 on a yearly basis.\n\nChannel 1: Yeah.\n\nChannel 0: At the end of the financial year, you can then go back to your account and then say, hey. I've put in 5,200 into my super. It's a deductible contribution. Your accountant will then claim that back for you as a as a deduction on your tax return, and your super funds will deduct tax out of that, and we will help them to do that. Does that make\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: sense? Yeah. It's a pretty in-depth little process there, but it is kinda cool. It means that you're putting money into your super funds that are being invested for you, but you also get the advantage of having a little bit of a tax deduction at the end of the financial year as well. So\n\nChannel 1: Yeah.\n\nChannel 0: it kinda gives you a bit of a boost on both levels. The way the components are set up within the super fund, that's more something for me to not worry about and make sure that I'm, you know, doing the right thing by you, but I'll make sure that we claim those notice of intent in increments that allow you to benefit from those contributions to the fullest. Okay?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Beautiful. So, essentially, you'll see in that table there, the contribution noted is 4,420. That is net. So you putting a $100 in per week does mean you put 5,200 in over the course of the year.\n\nHowever, this is just the net, so after the tax has been taken into account for you. Okay?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Did you wanna did you want me to kinda clarify anything further there or go into more detail? Or\n\nChannel 1: No. That's all. Seems\n\nChannel 0: no.\n\nChannel 1: I've said it's monetary then.\n\nChannel 0: Yeah. Beautiful. Beautiful. So since that's the main part of the recommendations here is making sure you do retain net wealth for the time being, that we do make those alterations to the investments to make sure things are working harder for you, and then also making those contributions. So putting a $100 in on a weekly basis, and then we'll make sure we do that notice of intent for you.\n\nSo at the end of the financial year after the July 1, when you go to do your tax return, so you'll be able to let your accountant know that you've made that additional contribution to Super, and they can claim that as a tax deduction for you as\n\nChannel 1: Yeah.\n\nChannel 0: well. Okay? Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: The only other thing I do like to make mention is we did talk before about whenever we make changes to the funds within your super, that your super fund does have to account for the taxation side of things. So we\n\nChannel 1: Yep.\n\nChannel 0: did go back and have a look at the CGT consequences. You'll see in the difference column there the amount of $382. In order to make those changes inside your super fund there and make the investment switches, your super fund would be expected to pay about $380 in in capital gains tax. So\n\nChannel 1: Yes.\n\nChannel 0: that doesn't affect you in any way, shape, or form. Your super fund will account for that in the back end. We just like to make sure we disclose that to you. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. You'll also see there is a difference in the ongoing adviser fee. Our ongoing service fee is 1.65% per annum. This is breaking it down into a dollar figure for you. And whilst the balance is not hasn't gone up in the top column there, the $1.08 $2.00 is factoring in the first year's growth there.\n\nSo that's the difference of the $78. Okay?\n\nChannel 1: Right.\n\nChannel 0: Yeah. Beautiful. But all in all, so long as everything goes according to plan and, you know, if this if these investments can perform the way they have and, you know, everything shows that you should be on track for a much greater retirement, and we will update the advice regularly. I'll do catch ups with you a bit more. That way, we can kinda see where things are changing when and if you wanna make additional contributions or have some extra money, we can always look at doing that for you as well.\n\nChannel 1: Yeah.\n\nChannel 0: The contributions cap for this year is 30,000. Next year, it's 32,500. So we can always look to make additional contributions to provide a greater boost to super down the track there. We were just sticking to this for the moment. And if you're getting back into work, you're now self employed and sort of seeing how things go,\n\nChannel 1: Yeah.\n\nChannel 0: and it's important that we can keep updating this advice down the track for you as well. Okay?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yeah. Beautiful. Now we are retaining your life and TBD insurances exactly as they are at the moment. So we did talk about income protection trauma. The cost\n\nChannel 1: Yeah.\n\nChannel 0: of having and adding to insurances does mean the cost is greater. You pay more out of your super fund for doing so. You were happy to not look at getting new cover at the moment. But on page number 24 there, you'll see under the annualized returns, there's a small table with the five and ten year projection, and it's got the current recommended and no insurances. Can you see that table there?\n\nYeah. Beautiful. This is just letting you know and showing you the difference with regard to the insurance side of things. So because you are paying for the life and TPD out of your super fund as you get older, essentially, your insurance premiums do get more and more expensive as the risk of you making a claim increases. And this shows you the same thing as it was in the projection table above there, but it's also got the third column showing that if you were not to pay any insurances out of your super, but you were still to take on the recommendations there, essentially, the outcome over the next five to ten years could be projected to show you the difference.\n\nOkay.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Yeah. Yeah. So we just like to make sure we have that comparison in there for you. It does show you the difference by not having insurances. However, I'm not making any recommendations to cancel them.\n\nI still think insurances are definitely appropriate for your life stage and where you're at, but we can always review these down the track with you as well. Okay.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. Underneath that, you'll see we've got an income a retirement income protection calculator. So this is essentially scoped into a limited basis because you are still a bit away from limited basis. Because you are still a bit away from retirement, you're so happy to kinda keep working to the age of 70 if you needed to, but we'll keep sort of reviewing things moving forward to see how you go and when\n\nChannel 1: Yep.\n\nChannel 0: you do decide you wanna retire. When you get closer, we'll look at this in a much more detail. But at the moment, based on the current recommendations, when we kinda project this forward over the next few years, we can sort of see that if everything was to stay on track, essentially, being able to retire at the age of 70 there, you're kind of looking for a retirement income of a base of 52,000 per annum. So it's about $1,000 on a weekly basis there. This is showing you that we're almost at that projected amount.\n\nWe're showing a short about $749. This is utilizing your super as well as the eligibility for Centrelink, which based on your current circumstances, you would have eligibility to. And this is just in to sort of show you where we're kinda projecting based on the recommendations I have made. And I do a lot of the retirement planning with a lot of our clients. So as you get closer and older towards retiring and wanting to sort of look at that in a bit more focus, we can absolutely look at doing that for you.\n\nAs I mentioned, we can be putting extra contributions in each year as things change for yourself. We can utilize, you know, caps if we need to. There's other things down the track that we can absolutely do. Some of the coolest strategies kinda come into play when you turn 60. So I'm not sure if we kinda spoke about this in the past, but when you do turn 60, you get access to what's called a transition retirement strategy, which is where you can be putting a lot more money into super up to the cap.\n\nAnd then we can also access a little bit and draw some down so you end up with, you know, saving on income tax, but still putting as much as possible into super to provide greater benefit. And these sorts of strategies are more accessible and available to you at the age of 60s. So when you get to that point, we can have a much more in-depth conversation and look at what some of these other strategies can do to help boost your super. Okay?\n\nChannel 1: No.\n\nChannel 0: Yeah. Perfect. I'm probably the only person in the world to get excited about super and people turning\n\nChannel 1: Yeah. Alright.\n\nChannel 0: 60. But,\n\nChannel 1: I'm\n\nChannel 0: yeah,\n\nChannel 1: done.\n\nChannel 0: there's some there's some other cool things that we can definitely do to help you there. On page number 26, this takes you into more around the recommendation about the personal deductible contributions. So, essentially, it's a 100 on a weekly basis. You pop it into your super fund from your bank account there. And\n\nChannel 1: Yep.\n\nChannel 0: then at the end of the financial year, we make sure we've claimed the notice of intent. I'll check a couple of times a year to find out when they need to be claimed, and I'll make sure we claim them so you get the maximum benefit from those. Okay?\n\nChannel 1: Yeah.\n\nChannel 0: But the table at the bottom essentially shows you that what it can do there. So you put that money into your super fund there. You then claim that as a bit of a tax deduction on your income, which helps to reduce your taxable income. You can kinda go from and this is just showing you without any additional deductions and things like that. This is sort of\n\nChannel 1: Yep.\n\nChannel 0: showing you that if you start with 60,000 there, you put that 5,200 into super. It reduces your taxable income there. It also reduces, essentially, the expectation that it reduces the tax payable on your income as well, so it saves you some income tax.\n\nChannel 1: Yeah.\n\nChannel 0: It does mean by putting the funds into super, once we claim that notice of intent, your super fund does pay tax on that. Essentially, it's about $780, but you end up saving more than what is taxed inside super, so it provides you with a much greater effect. Okay?\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful. Did you have any questions about how that works, or did you want me to go into more detail there? Or\n\nChannel 1: No. Not really. No. It's\n\nChannel 0: no. That's okay.\n\nChannel 1: yeah. It's kinda understand\n\nChannel 0: Yeah. That's okay. As you once you you've once I've gone through this with you this afternoon, you'll get some time to go\n\nChannel 1: it.\n\nChannel 0: back and have a really good read of it. So run your eyes over the information there. We've got the recommendation outlined. You'll see on each those pages there, we've also got a best interest duty. So this is essentially how tying this recommendation is in your best interest, how we tie it back to your goals, and how this is working harder for you at the end of the day.\n\nWe also outlined there the advantages, the disadvantages, and the risks involved and any alternatives that we've considered as well. So you'll be able to go back and have a really good review of the entire document, have a bit of a read through it. It's sometimes it's easier when I'm not sort of talking at you for you to run your eyes over it and take it all in. And then let me know if you do have questions. As as I said, there's no such thing as a silly question.\n\nIf it's something you're curious about or you want me to kinda go into more detail for you, I'm absolutely happy to do so. Part of what I love about my job isn't just being able to say this is what I'm gonna do to help you and help you to meet your goal. It's also the educational value as well because it's you've worked really hard all your life thus far, and you've got a lot of life left to work. And this is part of your income, so you wanna make sure it's been\n\nChannel 1: Yep.\n\nChannel 0: looked after correctly. You wanna make sure that it's working for you so that when you get to the year that you wanna retire, you get to retire. You get to access your money, and you get to enjoy the life that you've always wanted and worked so hard for. So, you know, that's really important to me, and making sure that this is working harder for you\n\nChannel 1: Yep.\n\nChannel 0: is just as important. Okay? Yeah. Beautiful. Beautiful.\n\nEssentially, that's most of the recommendations there. It is a nice easy one for you. We do also put in there that we do recommend making sure that you do have a will and power of attorney in place. Your beneficiaries were in place, and we confirmed you were happy with those. But we do find it's important to also look to, you know, make sure that you are aware of how important having a will and power of attorney is.\n\nWe don't do those. We can refer you to a solicitor for the setting up of those. And I would suggest if you also do have a local solicitor that you're comfortable with,\n\nChannel 1: I\n\nChannel 0: it's absolutely fine to meet with them. Again, estate planning is another very critical error, but it's also making sure that you're comfortable having those conversations\n\nChannel 1: mean,\n\nChannel 0: with the person that's throwing your will up. So sorry. You\n\nChannel 1: do do I really have to or not?\n\nChannel 0: don't have to by any means. We recommend that you do have a will and power of attorney, but there's no\n\nChannel 1: Oh, yeah.\n\nChannel 0: rule that says you have to. Yeah.\n\nChannel 1: I mean, all all all my my thoughts were is if, you know, I did pass away, I mean, everything goes to my wife and she distributes between my kids.\n\nChannel 0: The other thing to sorta consider is that if you were to pass away as much as sorry. As much as everything under most state laws does go to your wife, there's a point of a a certain process of probate to go through. And I have seen in the past where, you know, a spouse has passed away, everything has to go through probate anyway. It doesn't automatically go to her.\n\nChannel 1: Right.\n\nChannel 0: And it does mean that going through probate means that other people can come forward and and place a stake on the claim. There's no guarantees they're gonna get it, but they're allowed to come forward and make a claim for, you know, a part of your estate. And I have seen parts of the state being passed off to people where they really weren't entitled. It wasn't where it wasn't where the person wanted their estate to be passed off to, and it can mean that things are distributed unevenly as well.\n\nChannel 1: What\n\nChannel 0: So\n\nChannel 1: do you mean by estates? Like, I don't I mean, I rent. I don't have a\n\nChannel 0: no. That's okay. So everything else is ending in your name. So your bank accounts, your super and your life insurance is all covered under your beneficiary, so\n\nChannel 1: property.\n\nChannel 0: that's absolutely fine. But things like your bank accounts, anything with your name on it, cars, boats, caravans,\n\nChannel 1: Right.\n\nChannel 0: contents, might they have family heirlooms or tools of trade or things like that. So a lot of those bits and pieces because once you pass away, your family has to gather essentially all of your assets, and they do a final tax return for you. So they have to kinda correlate everything and put it together, and it's called the estate. And that's just correlating all the information on all the assets you have, all your bank accounts, any investments you might have, any money stashed away or anything that might be sold off or considered point of value, and your estate has to do a final tax return once you've passed away, and then it all goes through probate. So it is quite a lengthy process.\n\nMost of the time, you know, things just go straight to your spouse. The judge goes, right. Cool. No one's really stuck your claim. No one's entitled or anything.\n\nGoes straight to the spouse. Absolutely fine. But there are those instances where families can come forward, past partners, you know, relatives you may not speak to, stake a claim, and if their claim is good enough or if the judge deems that viable under yeah. They can pass off some of your estate. So it's not guaranteed by any means.\n\nIt could be a lot more of a straightforward process than, you know, what I've kinda gone through. However, I have seen it go both ways. And having something like a will kit, you can even go to the post office and just purchase the will kit. I think I saw them in there the other day for about $35 now. And you just go through the will kit.\n\nYou just fill it out as per the instructions noting who you want to have what, and then make sure someone knows where it's located, your wife or your kids or someone that you trust knows where that will kit is set, and just make sure it's all done as per the instructions. And then at least you've got a will in place. It's a much cheaper way than going to speak to a solicitor, and it can be just as effective as well, but it's just about making sure your your wishes are adhered to. Does that make sense?\n\nChannel 1: Right. Yeah. It sounds\n\nChannel 0: Yeah.\n\nChannel 1: easy.\n\nChannel 0: Yeah. It's it's a really interesting process because, I mean, I've seen a lot of people and a lot of people do say to me, I've got nothing. I don't think I've got anything. It's not worth anything. But when you sort of think about passing away, a lot of things can come to play.\n\nA lot of people, you know, you may never spoken to for years might decide, hey. I want a piece of that or I deserve something. And probate can go for as little as a couple of weeks or a month, or it can go for years depending on what happens. And I've seen probate go for, you know, two or three years even when clients didn't think they had anything at all. And it's just going on at such a long lengthy cost that there was nothing left to hand off at the end anyway.\n\nSo, yeah, it's really hard to say what could happen, but having a power of attorney in place is important because if you have a car accident or you're in a a medical incapacity or something happens to you where you can't make decisions, then you've appointed someone who can follow your direction. To give you a bit of an example, my mom is a really good case where I'm her power of attorney. It's in the documents that, you know, what she wants to happen if, say, she's medically incapacitated and can't make decisions, I've got a list of questions I have to ask the doctor. If I get yes to all of them, I have to pull the plug. So it's just about making sure that people know what your wishes are.\n\nYou might not want to be resuscitated if there's a certain point, you know, where you're gonna be a vegetable. You might wanna be resuscitated. But just making\n\nChannel 1: Got\n\nChannel 0: sure\n\nChannel 1: it.\n\nChannel 0: that someone knows what your wishes are and what you want to happen in certain instances, and\n\nChannel 1: Yep.\n\nChannel 0: then the will to protect your estate and make sure that anything is distributed as per how you want your money, your valuables, to be distributed after passing. Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Fair enough.\n\nChannel 0: Yeah. It's a bit different when you think of it about that, isn't it? Most of us look at things and go, yeah. It's probably not really anything anyone wants here, but, you you know, you just never know. I know when my grandmother, when she was alive and went in into aged care, she didn't think anyone wanted anything, and she said, oh, come and put stickers on the things that you want.\n\nAnd everyone turned up putting stickers on everything. So it just just kinda goes to show that you may have a lot more valuable a lot more valuable items or a lot more to that is valuable to some of your family members than what it was to you.\n\nChannel 1: Fair enough.\n\nChannel 0: Yeah. Yeah. So something to think about. But as I said, there's not it's just a recommendation. As part of these advice documentation, we just make recommendations letting you know what we're recommending.\n\nYou don't have to take them. You don't have to get a will done up. You don't have to have a power of attorney. We just like to make sure that we are ticking that box and letting you know the importance of doing so. And if you decide to go and do that, absolutely.\n\nIf you don't, that's completely your decision. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. All good. Sometimes it's good just to have the conversation with your family as well just so to see what their thoughts are around it all. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. On page 37, when you get to the bottom, you'll see the remuneration side of things. So the advice that we do provide, because you're an ongoing client, you pay the ongoing service fee of 1.65% per annum. That essentially means that we're providing advice. So we don't charge any implementation fees or upfront fees for new advice.\n\nThat's all inclusive of what you're paying us to do. We're here to help you work towards your goals and provide advice to work along those lines for you. So there's no one no other fees for providing the advice to you. We do also like to make sure you're aware that you we do receive remuneration from Neos for the insurances.\n\nChannel 1: Yep.\n\nChannel 0: It's 22% ongoing, so it's estimated based on the current premium. We'll receive about $533 this year. That's all disclosed on page number 37 for you. All the we just like to make sure you're aware of everything that you are paying and what it looks like for you, And our job is to help work towards your goals and work in your best interest, and that's why we have the best interest duty in the advice document. It's outlining how our recommendations are made in in line with best interest duty and how they're here to meet your goals and why they're in your best interest to do so.\n\nOkay.\n\nChannel 1: No.\n\nChannel 0: Beautiful. Look. I've rambled on a lot about everything. Essentially, if you decide you're comfortable taking the advice to make this work for you, how it will be implemented is that we'll start you'll sign the document to begin with. We'll then do the investment switch in the background, change the investments for you.\n\nYou might get notifications that we're doing that in the back end, but you won't have to do anything.\n\nChannel 1: Yep.\n\nChannel 0: I'll then give you the information on how to make the contribution. I can even send that to you this afternoon after the call just a bit with the the details on how to make those contributions into super so you can start that. And then myself and my admin team here, we will make a little notice to when we do the notice of intent, whether it's at the end of the financial year or whether we need to do one beforehand. We'll take care of that, let you know when we're sending it to you, get you to sign them, and we'll make sure they're submitted and added to the super fund for you. Okay?\n\nChannel 1: Okay. Yep.\n\nChannel 0: All good. All good. Do you have any questions? Is there anything that you might wanna ask at the moment?\n\nChannel 1: No. Not really.\n\nChannel 0: No?\n\nChannel 1: Covering\n\nChannel 0: Beautiful.\n\nChannel 1: him\n\nChannel 0: All\n\nChannel 1: up.\n\nChannel 0: good. All all good. Well, look, I've rambled on a lot there for you, so I will let you go. You're welcome to have a bit of time to read through that one. I'll get that email this afternoon with the contributions details for your fund to make it a bit easier on you.\n\nAnd\n\nChannel 1: Yeah.\n\nChannel 0: if you find after you've read it over that any questions do come up, feel free to let me know. If after you've read it through, you're fairly comfortable with it all, we'll just get you to sign and return it back, and we can get started on implementing that for you. And we can do a catch up in a few months as well to see how things are tracking. Does that\n\nChannel 1: Okay.\n\nChannel 0: sound\n\nChannel 1: Yeah.\n\nChannel 0: okay?\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: And with with the\n\nChannel 0: Beautiful.\n\nChannel 1: contributions,\n\nChannel 0: Yeah.\n\nChannel 1: will I see that on my app as well?\n\nChannel 0: So\n\nChannel 1: No.\n\nChannel 0: on your Superfund app?\n\nChannel 1: Yeah. Will I see the\n\nChannel 0: Yep.\n\nChannel 1: the contributions?\n\nChannel 0: Yeah. You will. Yeah. So you should\n\nChannel 1: Okay.\n\nChannel 0: be able to see the transactions.\n\nChannel 1: Oh,\n\nChannel 0: And\n\nChannel 1: okay.\n\nChannel 0: in the transactions, you'll see the contributions showing up. But if you ever get stuck, let me know. We can always do a bit of a catch up and and print out anything or email anything you need. But, yeah, in the transactions, you'll see those contributions being received and invested. Yeah.\n\nChannel 1: Yeah. Yeah. No worries.\n\nChannel 0: Yep. Fantastic. Oh, good. Is there anything that you might want me to kinda go through in a bit more detail, or you're happy with just that that's enough for today?\n\nChannel 1: No. No. Everything seems fine.\n\nChannel 0: Oh, fantastic. Oh, good. Well, I'm very much looking forward to helping you moving forward. As I said, I've put you on my book, so I'll be your adviser moving forward. I do work under Sevi.\n\nI have worked with Sevi for a very long time. It's just about making sure that we're able to provide that service. And as the licensee, it's obviously very hard for him to continuously make calls as well as look after the business. So I've taken on a lot of his older clients and making sure that we're working harder for you, and we'll look to make sure we do catch ups. When we did your annual review, you said you were pretty comfortable with the six monthly catch up.\n\nDo you still feel that's\n\nChannel 1: Yeah.\n\nChannel 0: fairly comfortable for you?\n\nChannel 1: Mhmm. Yeah. That's fine.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: Yeah. The only, like, one concern I did have before was,\n\nChannel 0: Yeah.\n\nChannel 1: like, I hadn't spoken to to Sevi for years, and\n\nChannel 0: Yeah.\n\nChannel 1: I thought, well, what am I paying for?\n\nChannel 0: Absolutely.\n\nChannel 1: Because I'm paying\n\nChannel 0: Yeah.\n\nChannel 1: was over a thousand dollars, and I'm thinking I'm not I'm not there's no and I tried to ring a few times, and it never got through. And it was very\n\nChannel 0: Yeah.\n\nChannel 1: frustrating. That's\n\nChannel 0: Of\n\nChannel 1: why\n\nChannel 0: course.\n\nChannel 1: that's why I had my concerns and I thought\n\nChannel 0: Yeah.\n\nChannel 1: but now, I mean, if you're on the case, it's different. I mean,\n\nChannel 0: Oh,\n\nChannel 1: obviously,\n\nChannel 0: thank\n\nChannel 1: like\n\nChannel 0: you.\n\nChannel 1: he said, he was busy all the time.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Yeah.\n\nChannel 1: yeah. So no. It should be alright.\n\nChannel 0: Beautiful. Well, if you ever have those concerns again or if you find I'm not living up to the expectation, please let me know.\n\nChannel 1: Yeah.\n\nChannel 0: I'll do everything I can to make sure I live up to the expectation. And look so we'll set a catch up for in six months' time from today. And if anything comes up and you just want an extra catch up here or there or there's an ad hoc thing or a random question, you let me know. I don't work Fridays, but I work really early in the morning. So generally from 07:30 to about six, 07:00 at night, Monday to Thursday, and I'll happily speak to you after work if we need to.\n\nIf you really need me on a Friday, I'll make sure I've got time for you then as well. So\n\nChannel 1: Yes.\n\nChannel 0: at the end of the day, I work for you now, Jason. So you let me know what you need, and I will make sure that I'm here to support you. Okay?\n\nChannel 1: Alright. No problem.\n\nChannel 0: Amazing. Well, thank you so much for your time. I'll let you go to have a look at everything. If there's any questions that of any of that, you let me know. Okay?\n\nChannel 1: Yep. Alright. No worries.\n\nChannel 0: Fantastic. Thank you so much. It's been a pleasure to put this together for you, and I hope you have a good relaxing evening.\n\nChannel 1: I'll try to. Yeah. You too.\n\nChannel 0: Oh, good. I'll let you go, but thank you for your time. I hope you have a wonderful rest of your week.\n\nChannel 1: Alright. You too. Thanks.\n\nChannel 0: Thanks, Jason. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.39999998,"end":0.9,"sentiment":"neutral","sentiment_score":0.04286155104637146}],"sentiment":"neutral","sentiment_score":0.04286155104637146,"channel":1,"num_words":1,"start":0.39999998,"end":0.9},{"sentences":[{"text":"Hi, Jason.","start":3.04,"end":3.84,"sentiment":"neutral","sentiment_score":0.20870395749807358},{"text":"It's Dana from Oakey Financial.","start":3.84,"end":5.2799997,"sentiment":"neutral","sentiment_score":0.2546366721391678},{"text":"How are you today?","start":5.2799997,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.29002106189727783}],"sentiment":"neutral","sentiment_score":0.25915232029828156,"channel":0,"num_words":11,"start":3.04,"end":6.2599998},{"sentences":[{"text":"Hi.","start":5.92,"end":6.42,"sentiment":"neutral","sentiment_score":0.28098031878471375},{"text":"Not too bad.","start":6.56,"end":7.54,"sentiment":"positive","sentiment_score":0.4004693925380707}],"sentiment":"positive","sentiment_score":0.37059712409973145,"channel":1,"num_words":4,"start":5.92,"end":7.54},{"sentences":[{"text":"That's good.","start":7.9199996,"end":8.48,"sentiment":"positive","sentiment_score":0.6853029429912567},{"text":"I had you booked in to go through your updated statement of advice.","start":8.48,"end":11.36,"sentiment":"positive","sentiment_score":0.38105766819073605},{"text":"Is now still a good time there for you?","start":11.36,"end":13.46,"sentiment":"neutral","sentiment_score":0.3104257682959239}],"sentiment":"positive","sentiment_score":0.3799244786302249,"channel":0,"num_words":24,"start":7.9199996,"end":13.46},{"sentences":[{"text":"Yeah.","start":13.679999,"end":14.0,"sentiment":"neutral","sentiment_score":0.10458597540855408},{"text":"No.","start":14.0,"end":14.16,"sentiment":"neutral","sentiment_score":0.09181299805641174},{"text":"It should be 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who's","start":776.66003,"end":777.22003,"sentiment":"neutral","sentiment_score":-0.025798502378165722}],"sentiment":"neutral","sentiment_score":-0.025798502378165722,"channel":1,"num_words":2,"start":776.66003,"end":777.22003},{"sentences":[{"text":"Yeah.","start":777.11,"end":777.61,"sentiment":"neutral","sentiment_score":-0.011457877233624458}],"sentiment":"neutral","sentiment_score":-0.011457877233624458,"channel":0,"num_words":1,"start":777.11,"end":777.61},{"sentences":[{"text":"my actual adviser.","start":777.22003,"end":778.36005,"sentiment":"neutral","sentiment_score":-0.00793916235367457}],"sentiment":"neutral","sentiment_score":-0.00793916235367457,"channel":1,"num_words":3,"start":777.22003,"end":778.36005},{"sentences":[{"text":"Absolutely.","start":778.95,"end":779.45,"sentiment":"neutral","sentiment_score":0.14194422960281372},{"text":"So the way things sorta have been able to change, and I know last year, there was a lot of a contact that we weren't able to make with everything that was kinda going on there, but we have had some changes to the business.","start":779.91,"end":789.535,"sentiment":"neutral","sentiment_score":0.009317133906814786},{"text":"So I've been an adviser for a couple of years now, so I've been able to take on a a certain book of clients and making sure that we're able to look after you and service things a bit better this year round.","start":789.535,"end":798.89496,"sentiment":"neutral","sentiment_score":0.22782779519641122},{"text":"So I've made it put you into the book here.","start":798.89496,"end":802.06995,"sentiment":"neutral","sentiment_score":0.1915064975619316},{"text":"You're my client now.","start":802.12994,"end":803.58997,"sentiment":"neutral","sentiment_score":0.15954561159014702}],"sentiment":"neutral","sentiment_score":0.12535007641587442,"channel":0,"num_words":103,"start":778.95,"end":803.58997},{"sentences":[{"text":"You're still a client of both you, and Sevvy is still the licensee.","start":803.88995,"end":807.19,"sentiment":"neutral","sentiment_score":0.19644203438208654},{"text":"It just means that I'll be the one that you get to speak to on more of a regular basis.","start":807.56995,"end":811.08997,"sentiment":"neutral","sentiment_score":0.1302004843018949},{"text":"I can make sure my team are doing catch ups with you as well, and we can make sure to provide that service a little bit deeply for you.","start":811.08997,"end":817.595,"sentiment":"positive","sentiment_score":0.598213272875753},{"text":"So","start":817.595,"end":818.095,"sentiment":"neutral","sentiment_score":0.1045737937092781}],"sentiment":"positive","sentiment_score":0.35889706095414503,"channel":0,"num_words":63,"start":803.88995,"end":818.095},{"sentences":[{"text":"Yeah.","start":818.035,"end":818.535,"sentiment":"neutral","sentiment_score":-0.0011539235711097715}],"sentiment":"neutral","sentiment_score":-0.0011539235711097715,"channel":1,"num_words":1,"start":818.035,"end":818.535},{"sentences":[{"text":"if at any point you decide you don't want me to be your adviser, you're more than welcome to say you're not happy to do so.","start":818.315,"end":823.595,"sentiment":"neutral","sentiment_score":-0.3049400861446674},{"text":"I'm more than happy to refer you on to somebody else if that's preferable.","start":823.595,"end":826.735,"sentiment":"neutral","sentiment_score":0.08745232384119715},{"text":"But if you're happy to, you know, stay with me, I'll make sure we do catch ups and and follow through and, you know, make sure that we do the reviews and make sure we're on track and looking forward towards your goals there for you and update the advice as we need to.","start":827.25995,"end":840.31995,"sentiment":"neutral","sentiment_score":0.3122072537188177},{"text":"Yeah.","start":840.54,"end":841.04,"sentiment":"neutral","sentiment_score":0.15388312935829165}],"sentiment":"neutral","sentiment_score":0.1085154223598932,"channel":0,"num_words":95,"start":818.315,"end":841.04},{"sentences":[{"text":"Yeah.","start":841.075,"end":841.575,"sentiment":"neutral","sentiment_score":0.1813044100999832},{"text":"Not a 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there.","start":852.135,"end":857.23,"sentiment":"neutral","sentiment_score":0.12306712974201549}],"sentiment":"neutral","sentiment_score":0.18856997632731995,"channel":0,"num_words":36,"start":844.375,"end":857.23},{"sentences":[{"text":"So it's essentially showing showing you in the current scenario with the current portfolio that you're in, we take that and we look at the average that it has been able to perform over the past five years there.","start":857.23,"end":867.25,"sentiment":"neutral","sentiment_score":0.21604428994349945},{"text":"With the newer portfolio, you'll that in the recommended column there.","start":867.87,"end":871.01495,"sentiment":"neutral","sentiment_score":0.15625253861600702},{"text":"So your balance, you'll also see underneath that your administration fees, your investment fees, again, the adviser service fee.","start":871.01495,"end":877.255,"sentiment":"neutral","sentiment_score":0.15543684010442935},{"text":"I've included contributions into the recommendation for you as well, and then also your insurance premiums will be retained as they are.","start":877.255,"end":884.39496,"sentiment":"neutral","sentiment_score":0.17150279811837457},{"text":"But","start":884.89,"end":884.97,"sentiment":"neutral","sentiment_score":0.15383559465408325}],"sentiment":"neutral","sentiment_score":0.1850511124762504,"channel":0,"num_words":92,"start":857.23,"end":884.97},{"sentences":[{"text":"Yes.","start":884.95996,"end":885.45996,"sentiment":"neutral","sentiment_score":0.29594552516937256}],"sentiment":"neutral","sentiment_score":0.29594552516937256,"channel":1,"num_words":1,"start":884.95996,"end":885.45996},{"sentences":[{"text":"the newer portfolio, the changes that we are making, when you look at that five year rolling average, it has shown that over the past five years, that newer portfolio has been able to perform greater.","start":884.97,"end":894.91,"sentiment":"positive","sentiment_score":0.3804440490073628},{"text":"So when you take that projected little five year rolling average and project that over the next five to ten years, as you can see on the bottom page there, it can if if the portfolio can perform the way it has, and that's what we wanna do.","start":895.29,"end":907.105,"sentiment":"neutral","sentiment_score":0.32583457976579666},{"text":"We wanna make sure that it is performing correctly.","start":907.105,"end":909.185,"sentiment":"positive","sentiment_score":0.3341396351655324},{"text":"And if it's not, we'll look to all make alterations to it for you.","start":909.185,"end":912.78,"sentiment":"neutral","sentiment_score":0.07642790216154285},{"text":"But you can definitely see over the next five to ten years if it's able to get what we has received over the past, you know, five years there, that it can see you in a much greater position moving 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goals.","start":962.63495,"end":966.01495,"sentiment":"positive","sentiment_score":0.4856565982103348},{"text":"Okay?","start":966.315,"end":966.815,"sentiment":"neutral","sentiment_score":0.10851600766181946},{"text":"Yeah.","start":967.61,"end":968.11,"sentiment":"neutral","sentiment_score":0.07178603112697601},{"text":"Do you have any questions about any of that so far?","start":969.29,"end":971.87,"sentiment":"neutral","sentiment_score":0.03830300881104036}],"sentiment":"neutral","sentiment_score":0.23731309207885162,"channel":0,"num_words":23,"start":962.63495,"end":971.87},{"sentences":[{"text":"No.","start":973.055,"end":973.375,"sentiment":"neutral","sentiment_score":0.029445260763168335},{"text":"That's all good, so 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question.","start":980.89,"end":983.875,"sentiment":"neutral","sentiment_score":0.14193162570397058}],"sentiment":"neutral","sentiment_score":0.18990460162361464,"channel":0,"num_words":30,"start":975.20996,"end":983.875},{"sentences":[{"text":"I'm here to help.","start":983.875,"end":984.755,"sentiment":"neutral","sentiment_score":0.24221543967723846},{"text":"And, you know, while you are looking the document, if anything comes up, just flag it for me.","start":984.755,"end":988.995,"sentiment":"neutral","sentiment_score":0.11614394022358789},{"text":"Okay?","start":988.995,"end":989.495,"sentiment":"neutral","sentiment_score":0.07086978852748871}],"sentiment":"neutral","sentiment_score":0.13610097701134888,"channel":0,"num_words":23,"start":983.875,"end":989.495},{"sentences":[{"text":"Yeah.","start":989.455,"end":989.85504,"sentiment":"neutral","sentiment_score":0.06678712368011475},{"text":"Well, I have 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very good question.","start":1002.87,"end":1004.81,"sentiment":"neutral","sentiment_score":0.23097646484772363},{"text":"So what we'll do is and you'll see in this table here, we have recommended contributions be going in.","start":1004.87,"end":1010.325,"sentiment":"neutral","sentiment_score":0.16101960092782974},{"text":"Essentially, the way I'm I'm recommending those is we make them as a deductible contributions, and we talked about a $100 on a weekly basis.","start":1010.705,"end":1017.505,"sentiment":"neutral","sentiment_score":0.1530240860581398},{"text":"So","start":1017.505,"end":1018.005,"sentiment":"neutral","sentiment_score":0.12512028217315674}],"sentiment":"neutral","sentiment_score":0.16210039756421385,"channel":0,"num_words":58,"start":1001.19,"end":1018.005},{"sentences":[{"text":"Yes.","start":1017.565,"end":1018.065,"sentiment":"neutral","sentiment_score":0.14857764542102814}],"sentiment":"neutral","sentiment_score":0.14857764542102814,"channel":1,"num_words":1,"start":1017.565,"end":1018.065},{"sentences":[{"text":"what I can do is I can email you essentially the the contributions detail.","start":1018.065,"end":1023.07996,"sentiment":"neutral","sentiment_score":0.13365081697702408},{"text":"You can do it generally by BPAY or EFT.","start":1023.07996,"end":1025.58,"sentiment":"neutral","sentiment_score":0.09965385579400593},{"text":"The","start":1026.2,"end":1026.44,"sentiment":"neutral","sentiment_score":0.07132037729024887}],"sentiment":"neutral","sentiment_score":0.11830485487977664,"channel":0,"num_words":24,"start":1018.065,"end":1026.44},{"sentences":[{"text":"Yes.","start":1026.3401,"end":1026.8401,"sentiment":"neutral","sentiment_score":0.08936576545238495}],"sentiment":"neutral","sentiment_score":0.08936576545238495,"channel":1,"num_words":1,"start":1026.3401,"end":1026.8401},{"sentences":[{"text":"contributions are put into the account or into your super fund direct from your bank account.","start":1026.44,"end":1031.02,"sentiment":"neutral","sentiment_score":0.12691905070096254},{"text":"And then at the end of the financial year, I'll actually put a little I prefer to kinda do it more than once a 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these will go into super is they come from your","start":1051.84,"end":1057.84,"sentiment":"neutral","sentiment_score":0.26888361494792135}],"sentiment":"neutral","sentiment_score":0.26888361494792135,"channel":0,"num_words":19,"start":1051.84,"end":1057.84},{"sentences":[{"text":"Yep.","start":1057.6875,"end":1058.1875,"sentiment":"neutral","sentiment_score":0.1326763480901718}],"sentiment":"neutral","sentiment_score":0.1326763480901718,"channel":1,"num_words":1,"start":1057.6875,"end":1058.1875},{"sentences":[{"text":"bank account.","start":1057.84,"end":1058.58,"sentiment":"neutral","sentiment_score":0.21900218725204468},{"text":"So they go in with it's what's called a non concessional after tax contribution.","start":1058.72,"end":1062.26,"sentiment":"neutral","sentiment_score":0.16934112193328993},{"text":"Because they go in that way, they go into your tax free component.","start":1063.6,"end":1067.025,"sentiment":"neutral","sentiment_score":0.2270960807800293},{"text":"And 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the best of this for you by making that contribution, from your bank account, it goes in that tax free side of things.","start":1107.03,"end":1114.81,"sentiment":"positive","sentiment_score":0.535516080047403},{"text":"So what I like to make sure we do is to make sure you're getting the most of that benefit just before your insurance premiums are due to come out of the account.","start":1114.9501,"end":1122.4249,"sentiment":"positive","sentiment_score":0.5917230853528688},{"text":"Make sure you've claimed that notice of intent.","start":1122.4249,"end":1124.525,"sentiment":"positive","sentiment_score":0.3789154523983598},{"text":"That claims the full notice of intent to the contributions that are going in, and then we can do an adjustment at the end of the financial year.","start":1124.905,"end":1132.605,"sentiment":"neutral","sentiment_score":0.27599296984927996},{"text":"And that means you you get to claim the full amount of contributions going in without the amount that you're able 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putting money into your super funds that are being invested for you, but you also get the advantage of having a little bit of a tax deduction at the end of the financial year as well.","start":1230.525,"end":1239.885,"sentiment":"positive","sentiment_score":0.5830897592008114},{"text":"So","start":1239.885,"end":1240.365,"sentiment":"positive","sentiment_score":0.5086730122566223}],"sentiment":"positive","sentiment_score":0.5446424264799464,"channel":0,"num_words":55,"start":1225.37,"end":1240.365},{"sentences":[{"text":"Yeah.","start":1240.26,"end":1240.76,"sentiment":"positive","sentiment_score":0.6656432151794434}],"sentiment":"positive","sentiment_score":0.6656432151794434,"channel":1,"num_words":1,"start":1240.26,"end":1240.76},{"sentences":[{"text":"it kinda gives you a bit of a boost on both levels.","start":1240.365,"end":1243.025,"sentiment":"positive","sentiment_score":0.6654710819323858},{"text":"The way the components are set up within the super fund, that's more something for me to not worry about and make sure that I'm, you know, doing the right thing by you, but I'll make sure that we claim those notice of intent in increments that allow you to benefit from those contributions to the 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4,420.","start":1263.765,"end":1269.385,"sentiment":"neutral","sentiment_score":0.04545909109023901},{"text":"That is net.","start":1269.83,"end":1270.87,"sentiment":"neutral","sentiment_score":0.04091164469718933},{"text":"So you putting a $100 in per week does mean you put 5,200 in over the course of the year.","start":1270.87,"end":1276.81,"sentiment":"neutral","sentiment_score":0.08372961245477199}],"sentiment":"neutral","sentiment_score":0.07761772173015695,"channel":0,"num_words":38,"start":1261.6051,"end":1276.81},{"sentences":[{"text":"However, this is just the net, so after the tax has been taken into account for you.","start":1277.27,"end":1282.09,"sentiment":"neutral","sentiment_score":0.029389819185085157},{"text":"Okay?","start":1282.23,"end":1282.73,"sentiment":"neutral","sentiment_score":0.034859851002693176}],"sentiment":"neutral","sentiment_score":0.029693709841618936,"channel":0,"num_words":18,"start":1277.27,"end":1282.73},{"sentences":[{"text":"Yeah.","start":1282.485,"end":1282.985,"sentiment":"neutral","sentiment_score":0.04651966691017151}],"sentiment":"neutral","sentiment_score":0.04651966691017151,"channel":1,"num_words":1,"start":1282.485,"end":1282.985},{"sentences":[{"text":"Yeah.","start":1283.555,"end":1284.035,"sentiment":"neutral","sentiment_score":0.02688974142074585},{"text":"Did you wanna did you want me to kinda clarify anything further there or go into more 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you.","start":1366.8301,"end":1369.4901,"sentiment":"neutral","sentiment_score":0.16466759551655163},{"text":"Okay?","start":1369.55,"end":1370.05,"sentiment":"neutral","sentiment_score":0.1059497892856598}],"sentiment":"neutral","sentiment_score":0.194403162734075,"channel":0,"num_words":33,"start":1362.03,"end":1370.05},{"sentences":[{"text":"Yep.","start":1369.8201,"end":1370.3201,"sentiment":"neutral","sentiment_score":0.24302195012569427}],"sentiment":"neutral","sentiment_score":0.24302195012569427,"channel":1,"num_words":1,"start":1369.8201,"end":1370.3201},{"sentences":[{"text":"Beautiful.","start":1371.225,"end":1371.725,"sentiment":"positive","sentiment_score":0.5566838979721069},{"text":"You'll also see there is a difference in the ongoing adviser fee.","start":1372.745,"end":1376.045,"sentiment":"neutral","sentiment_score":0.07511941002060969},{"text":"Our ongoing service fee is 1.65% per annum.","start":1376.105,"end":1379.805,"sentiment":"neutral","sentiment_score":0.04162119468674064},{"text":"This is breaking it down into a dollar figure for you.","start":1379.865,"end":1382.82,"sentiment":"neutral","sentiment_score":0.09732892838391391},{"text":"And whilst the balance is not hasn't gone up in the top column there, the $1.08 $2.00 is factoring in the first year's growth there.","start":1382.8999,"end":1390.6599,"sentiment":"neutral","sentiment_score":-0.005691759986802936}],"sentiment":"neutral","sentiment_score":0.04866254193309162,"channel":0,"num_words":57,"start":1371.225,"end":1390.6599},{"sentences":[{"text":"So that's the difference of the 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well.","start":1439.94,"end":1443.96,"sentiment":"neutral","sentiment_score":0.27511412431212035},{"text":"Okay?","start":1444.02,"end":1444.52,"sentiment":"neutral","sentiment_score":0.09498438239097597}],"sentiment":"neutral","sentiment_score":0.2651069164276123,"channel":0,"num_words":18,"start":1439.94,"end":1444.52},{"sentences":[{"text":"Yeah.","start":1444.385,"end":1444.885,"sentiment":"neutral","sentiment_score":0.13335385918617249},{"text":"Yep.","start":1444.945,"end":1445.34,"sentiment":"neutral","sentiment_score":0.16580301523208618}],"sentiment":"neutral","sentiment_score":0.14957843720912933,"channel":1,"num_words":2,"start":1444.385,"end":1445.34},{"sentences":[{"text":"Yeah.","start":1445.62,"end":1446.12,"sentiment":"positive","sentiment_score":0.33387207984924316},{"text":"Beautiful.","start":1446.26,"end":1446.76,"sentiment":"positive","sentiment_score":0.6409404277801514},{"text":"Now we are retaining your life and TBD insurances exactly as they are at the moment.","start":1447.7,"end":1452.1,"sentiment":"neutral","sentiment_score":0.21146488282829523},{"text":"So we did talk about income protection trauma.","start":1452.1,"end":1454.6,"sentiment":"neutral","sentiment_score":-0.051494456361979246},{"text":"The cost","start":1455.255,"end":1455.735,"sentiment":"neutral","sentiment_score":-0.07270671054720879}],"sentiment":"neutral","sentiment_score":0.13574577003185237,"channel":0,"num_words":28,"start":1445.62,"end":1455.735},{"sentences":[{"text":"Yeah.","start":1455.4199,"end":1455.9199,"sentiment":"neutral","sentiment_score":-0.07942821085453033}],"sentiment":"neutral","sentiment_score":-0.07942821085453033,"channel":1,"num_words":1,"start":1455.4199,"end":1455.9199},{"sentences":[{"text":"of having and adding to insurances does mean the cost is greater.","start":1455.735,"end":1459.515,"sentiment":"neutral","sentiment_score":-0.17707284850378832},{"text":"You pay more out of your super fund for doing so.","start":1459.895,"end":1462.135,"sentiment":"neutral","sentiment_score":-0.059877794913270256},{"text":"You were happy to not look at getting new cover at the moment.","start":1462.135,"end":1465.035,"sentiment":"neutral","sentiment_score":-0.06224097024935942},{"text":"But on page number 24 there, you'll see under the annualized returns, there's a small table with the five and ten year projection, and it's got the current recommended and no insurances.","start":1465.3351,"end":1476.17,"sentiment":"neutral","sentiment_score":0.032520171254873276},{"text":"Can you see that table there?","start":1476.3099,"end":1478.01,"sentiment":"neutral","sentiment_score":0.02701760207613309}],"sentiment":"neutral","sentiment_score":-0.03229610063135624,"channel":0,"num_words":74,"start":1455.735,"end":1478.01},{"sentences":[{"text":"Yeah.","start":1479.51,"end":1479.91,"sentiment":"neutral","sentiment_score":0.21820291876792908},{"text":"Beautiful.","start":1479.91,"end":1480.41,"sentiment":"positive","sentiment_score":0.5563645362854004},{"text":"This is just letting you know and showing you the difference with regard to the insurance side of things.","start":1480.47,"end":1484.765,"sentiment":"neutral","sentiment_score":0.15525989861864792},{"text":"So because you are paying for the life and TPD out of your super fund as you get older, essentially, your insurance premiums do get more and more expensive as the risk of you making a claim increases.","start":1484.765,"end":1495.505,"sentiment":"neutral","sentiment_score":-0.2345348767151958},{"text":"And this shows you the same thing as it was in the projection table above there, but it's also got the third column showing that if you were not to pay any insurances out of your super, but you were still to take on the recommendations there, essentially, the outcome over the next five to ten years could be projected to show you the 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we just like to make sure we have that comparison in there for you.","start":1516.1449,"end":1519.205,"sentiment":"neutral","sentiment_score":0.25251216292381284},{"text":"It does show you the difference by not having insurances.","start":1519.4249,"end":1521.605,"sentiment":"neutral","sentiment_score":0.2144069281872362},{"text":"However, I'm not making any recommendations to cancel them.","start":1521.745,"end":1524.385,"sentiment":"neutral","sentiment_score":-0.3074859380722046}],"sentiment":"neutral","sentiment_score":0.0945028140494186,"channel":0,"num_words":36,"start":1514.625,"end":1524.385},{"sentences":[{"text":"I still think insurances are definitely appropriate for your life stage and where you're at, but we can always review these down the track with you as 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is essentially scoped into a limited basis because you are still a bit away from limited basis.","start":1541.27,"end":1544.1749,"sentiment":"neutral","sentiment_score":0.0447997972369194},{"text":"Because you are still a bit away from retirement, you're so happy to kinda keep working to the age of 70 if you needed to, but we'll keep sort of reviewing things moving forward to see how you go and when","start":1544.5549,"end":1555.195,"sentiment":"neutral","sentiment_score":0.23234480237815439}],"sentiment":"neutral","sentiment_score":0.1867707872390747,"channel":0,"num_words":75,"start":1533.59,"end":1555.195},{"sentences":[{"text":"Yep.","start":1555.0901,"end":1555.5901,"sentiment":"neutral","sentiment_score":0.1517113447189331}],"sentiment":"neutral","sentiment_score":0.1517113447189331,"channel":1,"num_words":1,"start":1555.0901,"end":1555.5901},{"sentences":[{"text":"you do decide you wanna 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amount.","start":1581.105,"end":1584.72,"sentiment":"neutral","sentiment_score":0.32808055119080975}],"sentiment":"neutral","sentiment_score":0.21927127549994965,"channel":0,"num_words":98,"start":1555.195,"end":1584.72},{"sentences":[{"text":"We're showing a short about $749.","start":1584.7999,"end":1587.9199,"sentiment":"neutral","sentiment_score":0.23930608481168747},{"text":"This is utilizing your super as well as the eligibility for Centrelink, which based on your current circumstances, you would have eligibility to.","start":1587.9199,"end":1595.2999,"sentiment":"neutral","sentiment_score":0.2780817034451858},{"text":"And this is just in to sort of show you where we're kinda projecting based on the recommendations I have made.","start":1595.6799,"end":1601.375,"sentiment":"neutral","sentiment_score":0.24506687337443941},{"text":"And I do a lot of the retirement planning with a lot of our 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do.","start":1620.9,"end":1623.64,"sentiment":"positive","sentiment_score":0.6719026186249473},{"text":"Some of the coolest strategies kinda come into play when you turn 60.","start":1624.1,"end":1628.3049,"sentiment":"positive","sentiment_score":0.5127652952304254},{"text":"So I'm not sure if we kinda spoke about this in the past, but when you do turn 60, you get access to what's called a transition retirement strategy, which is where you can be putting a lot more money into super up to the cap.","start":1628.9249,"end":1639.505,"sentiment":"positive","sentiment_score":0.41396989981117455}],"sentiment":"positive","sentiment_score":0.4635007591130807,"channel":0,"num_words":97,"start":1612.5,"end":1639.505},{"sentences":[{"text":"And then we can also access a little bit and draw some down so you end up with, you know, saving on income tax, but still putting as much as possible into super to provide greater 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some there's some other cool things that we can definitely do to help you there.","start":1675.61,"end":1680.83,"sentiment":"positive","sentiment_score":0.6775505132973194},{"text":"On page number 26, this takes you into more around the recommendation about the personal deductible contributions.","start":1681.61,"end":1687.815,"sentiment":"neutral","sentiment_score":0.2258790144148995},{"text":"So, essentially, it's a 100 on a weekly basis.","start":1688.0349,"end":1690.995,"sentiment":"neutral","sentiment_score":0.265869430369801},{"text":"You pop it into your super fund from your bank account 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works, or did you want me to go into more detail there?","start":1762.26,"end":1767.2999,"sentiment":"neutral","sentiment_score":0.12931977212429047},{"text":"Or","start":1767.2999,"end":1767.5399,"sentiment":"neutral","sentiment_score":-0.04371608793735504}],"sentiment":"neutral","sentiment_score":0.14819073067470032,"channel":0,"num_words":22,"start":1761.5399,"end":1767.5399},{"sentences":[{"text":"No.","start":1768.03,"end":1768.27,"sentiment":"neutral","sentiment_score":-0.19211815297603607},{"text":"Not 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go","start":1777.075,"end":1781.475,"sentiment":"neutral","sentiment_score":0.3062929004430771}],"sentiment":"neutral","sentiment_score":0.29035827906235406,"channel":0,"num_words":23,"start":1775.475,"end":1781.475},{"sentences":[{"text":"it.","start":1781.4451,"end":1781.9451,"sentiment":"neutral","sentiment_score":0.29989707469940186}],"sentiment":"neutral","sentiment_score":0.29989707469940186,"channel":1,"num_words":1,"start":1781.4451,"end":1781.9451},{"sentences":[{"text":"back and have a really good read of it.","start":1781.475,"end":1783.315,"sentiment":"positive","sentiment_score":0.38613612453142804},{"text":"So run your eyes over the information there.","start":1783.315,"end":1786.195,"sentiment":"neutral","sentiment_score":0.25769538804888725},{"text":"We've got the recommendation outlined.","start":1786.195,"end":1787.955,"sentiment":"positive","sentiment_score":0.3404528498649597},{"text":"You'll see on each those pages there, we've also got a best interest duty.","start":1787.955,"end":1791.29,"sentiment":"neutral","sentiment_score":0.2143183946609497},{"text":"So this is essentially how tying this recommendation is in your best interest, how we tie it back to your goals, and how this is working harder for you at the end of the day.","start":1791.29,"end":1800.67,"sentiment":"positive","sentiment_score":0.46732984014919826}],"sentiment":"positive","sentiment_score":0.37459231556301387,"channel":0,"num_words":71,"start":1781.475,"end":1800.67},{"sentences":[{"text":"We also outlined there the advantages, the disadvantages, and the risks involved and any alternatives that we've considered as well.","start":1801.13,"end":1807.995,"sentiment":"neutral","sentiment_score":0.22511341450735928},{"text":"So you'll be able to go back and have a really good review of the entire document, have a bit of a read through it.","start":1807.995,"end":1813.935,"sentiment":"positive","sentiment_score":0.45300536990165713},{"text":"It's sometimes it's easier when I'm not sort of talking at you for you to run your eyes over it and take it all in.","start":1814.395,"end":1820.51,"sentiment":"positive","sentiment_score":0.35362367510795595},{"text":"And then let me know if you do have questions.","start":1820.51,"end":1822.4299,"sentiment":"neutral","sentiment_score":0.2700362578034401},{"text":"As as I said, there's no such thing as a silly question.","start":1822.4299,"end":1825.09,"sentiment":"neutral","sentiment_score":0.12055979544917743}],"sentiment":"neutral","sentiment_score":0.31320733194360917,"channel":0,"num_words":92,"start":1801.13,"end":1825.09},{"sentences":[{"text":"If it's something you're curious about or you want me to kinda go into more detail for you, I'm absolutely happy to do so.","start":1825.3099,"end":1831.65,"sentiment":"positive","sentiment_score":0.4904298198719819},{"text":"Part of what I love about my job isn't just being able to say this is what I'm gonna do to help you and help you to meet your goal.","start":1832.235,"end":1838.575,"sentiment":"positive","sentiment_score":0.6915966312090556},{"text":"It's also the educational value as well because it's you've worked really hard all your life thus far, and you've got a lot of life left to work.","start":1838.635,"end":1845.915,"sentiment":"positive","sentiment_score":0.6786729054791587},{"text":"And this is part of your income, so you wanna make sure it's been","start":1845.915,"end":1849.5499,"sentiment":"positive","sentiment_score":0.43795868115765707}],"sentiment":"positive","sentiment_score":0.600546640654405,"channel":0,"num_words":96,"start":1825.3099,"end":1849.5499},{"sentences":[{"text":"Yep.","start":1849.36,"end":1849.86,"sentiment":"positive","sentiment_score":0.3768657445907593}],"sentiment":"positive","sentiment_score":0.3768657445907593,"channel":1,"num_words":1,"start":1849.36,"end":1849.86},{"sentences":[{"text":"looked after correctly.","start":1849.5499,"end":1850.51,"sentiment":"positive","sentiment_score":0.459660937388738},{"text":"You wanna make sure that it's working for you so that when you get to the year that you wanna retire, you get to retire.","start":1850.51,"end":1856.51,"sentiment":"positive","sentiment_score":0.5699956583976745},{"text":"You get to access your money, and you get to enjoy the life that you've always wanted and worked so hard for.","start":1856.51,"end":1861.425,"sentiment":"positive","sentiment_score":0.7100819268009879},{"text":"So, you know, that's really important to me, and making sure that this is working harder for you","start":1861.425,"end":1866.0651,"sentiment":"neutral","sentiment_score":0.11069632942477863}],"sentiment":"positive","sentiment_score":0.488870743990821,"channel":0,"num_words":68,"start":1849.5499,"end":1866.0651},{"sentences":[{"text":"Yep.","start":1866.0,"end":1866.5,"sentiment":"neutral","sentiment_score":0.05792111158370972}],"sentiment":"neutral","sentiment_score":0.05792111158370972,"channel":1,"num_words":1,"start":1866.0,"end":1866.5},{"sentences":[{"text":"is just as important.","start":1866.0651,"end":1867.125,"sentiment":"neutral","sentiment_score":0.10824776813387871},{"text":"Okay?","start":1867.3451,"end":1867.8451,"sentiment":"neutral","sentiment_score":0.08722597360610962},{"text":"Yeah.","start":1869.025,"end":1869.525,"sentiment":"neutral","sentiment_score":0.19723808765411377},{"text":"Beautiful.","start":1869.665,"end":1870.165,"sentiment":"positive","sentiment_score":0.5648107528686523},{"text":"Beautiful.","start":1870.385,"end":1870.885,"sentiment":"positive","sentiment_score":0.5610294342041016}],"sentiment":"neutral","sentiment_score":0.23041191510856152,"channel":0,"num_words":8,"start":1866.0651,"end":1870.885},{"sentences":[{"text":"Essentially, that's most of the recommendations there.","start":1872.0651,"end":1874.7101,"sentiment":"neutral","sentiment_score":0.33265733293124605},{"text":"It is a nice easy one for you.","start":1874.7101,"end":1876.31,"sentiment":"positive","sentiment_score":0.6287693083286285},{"text":"We do also put in there that we do recommend making sure that you do have a will and power of attorney in place.","start":1876.31,"end":1881.6101,"sentiment":"neutral","sentiment_score":0.20529517345130444},{"text":"Your beneficiaries were in place, and we confirmed you were happy with those.","start":1882.0701,"end":1885.3501,"sentiment":"positive","sentiment_score":0.3531316106136029},{"text":"But we do find it's important to also look to, you know, make sure that you are aware of how important having a will and power of attorney is.","start":1885.3501,"end":1892.635,"sentiment":"neutral","sentiment_score":0.021641875304089023}],"sentiment":"neutral","sentiment_score":0.21610080594783304,"channel":0,"num_words":81,"start":1872.0651,"end":1892.635},{"sentences":[{"text":"We don't do those.","start":1892.855,"end":1893.895,"sentiment":"neutral","sentiment_score":-0.11666036397218704},{"text":"We can refer you to a solicitor for the setting up of those.","start":1893.895,"end":1897.355,"sentiment":"neutral","sentiment_score":0.007265682117297099},{"text":"And I would suggest if you also do have a local solicitor that you're comfortable with,","start":1898.055,"end":1902.295,"sentiment":"neutral","sentiment_score":0.0886564995162189}],"sentiment":"neutral","sentiment_score":0.031706557693806564,"channel":0,"num_words":33,"start":1892.855,"end":1902.295},{"sentences":[{"text":"I","start":1902.285,"end":1902.785,"sentiment":"neutral","sentiment_score":0.2930853068828583}],"sentiment":"neutral","sentiment_score":0.2930853068828583,"channel":1,"num_words":1,"start":1902.285,"end":1902.785},{"sentences":[{"text":"it's absolutely fine to meet with them.","start":1902.295,"end":1904.3151,"sentiment":"neutral","sentiment_score":0.17334441947085516},{"text":"Again, estate planning is another very critical error, but it's also making sure that you're comfortable having those conversations","start":1904.72,"end":1910.5801,"sentiment":"neutral","sentiment_score":0.0034776379011179272}],"sentiment":"neutral","sentiment_score":0.04921100216989334,"channel":0,"num_words":26,"start":1902.295,"end":1910.5801},{"sentences":[{"text":"mean,","start":1910.285,"end":1910.785,"sentiment":"neutral","sentiment_score":0.047909483313560486}],"sentiment":"neutral","sentiment_score":0.047909483313560486,"channel":1,"num_words":1,"start":1910.285,"end":1910.785},{"sentences":[{"text":"with the person that's throwing your will up.","start":1910.72,"end":1912.64,"sentiment":"neutral","sentiment_score":0.016770346846897155},{"text":"So sorry.","start":1912.64,"end":1913.2001,"sentiment":"neutral","sentiment_score":-0.059405796229839325},{"text":"You","start":1913.2001,"end":1913.7001,"sentiment":"neutral","sentiment_score":-0.09192489087581636}],"sentiment":"neutral","sentiment_score":-0.006961246232756161,"channel":0,"num_words":11,"start":1910.72,"end":1913.7001},{"sentences":[{"text":"do do I really have to or not?","start":1913.3251,"end":1915.59,"sentiment":"neutral","sentiment_score":-0.10753255616873503}],"sentiment":"neutral","sentiment_score":-0.10753255616873503,"channel":1,"num_words":8,"start":1913.3251,"end":1915.59},{"sentences":[{"text":"don't have to by any means.","start":1916.5751,"end":1918.415,"sentiment":"neutral","sentiment_score":-0.12179032837351163},{"text":"We recommend that you do have a will and power of attorney, but there's no","start":1918.415,"end":1922.015,"sentiment":"neutral","sentiment_score":-0.04078464632232984}],"sentiment":"neutral","sentiment_score":-0.06392912690838178,"channel":0,"num_words":21,"start":1916.5751,"end":1922.015},{"sentences":[{"text":"Oh, yeah.","start":1921.75,"end":1922.49,"sentiment":"neutral","sentiment_score":-0.09183327481150629}],"sentiment":"neutral","sentiment_score":-0.09183327481150629,"channel":1,"num_words":2,"start":1921.75,"end":1922.49},{"sentences":[{"text":"rule that says you have to.","start":1922.015,"end":1923.535,"sentiment":"neutral","sentiment_score":-0.09242514024178188},{"text":"Yeah.","start":1923.535,"end":1924.035,"sentiment":"neutral","sentiment_score":-0.13237264752388}],"sentiment":"neutral","sentiment_score":-0.09813192699636732,"channel":0,"num_words":7,"start":1922.015,"end":1924.035},{"sentences":[{"text":"I mean, all all all my my thoughts were is if, you know, I did pass away, I mean, everything goes to my wife and she distributes between my kids.","start":1923.83,"end":1933.865,"sentiment":"neutral","sentiment_score":-0.18871402355531852}],"sentiment":"neutral","sentiment_score":-0.18871402355531852,"channel":1,"num_words":30,"start":1923.83,"end":1933.865},{"sentences":[{"text":"The other thing to sorta consider is that if you were to pass away as much as sorry.","start":1935.15,"end":1940.1101,"sentiment":"neutral","sentiment_score":-0.2658296980791622},{"text":"As much as everything under most state laws does go to your wife, there's a point of a a certain process of probate to go through.","start":1940.1101,"end":1948.605,"sentiment":"neutral","sentiment_score":-0.0660611681926709},{"text":"And I have seen in the past where, you know, a spouse has passed away, everything has to go through probate anyway.","start":1948.985,"end":1955.485,"sentiment":"neutral","sentiment_score":-0.06571311943910339},{"text":"It doesn't automatically go to her.","start":1955.625,"end":1957.725,"sentiment":"neutral","sentiment_score":-0.07560541418691476}],"sentiment":"neutral","sentiment_score":-0.11669230626689063,"channel":0,"num_words":72,"start":1935.15,"end":1957.725},{"sentences":[{"text":"Right.","start":1958.265,"end":1958.765,"sentiment":"neutral","sentiment_score":0.025815555825829502}],"sentiment":"neutral","sentiment_score":0.025815555825829502,"channel":1,"num_words":1,"start":1958.265,"end":1958.765},{"sentences":[{"text":"And it does mean that going through probate means that other people can come forward and and place a stake on the claim.","start":1958.54,"end":1964.22,"sentiment":"neutral","sentiment_score":0.024227971939936928},{"text":"There's no guarantees they're gonna get it, but they're allowed to come forward and make a claim for, you know, a part of your estate.","start":1964.22,"end":1971.44,"sentiment":"neutral","sentiment_score":-0.025195654928684235},{"text":"And I have seen parts of the state being passed off to people where they really weren't entitled.","start":1971.825,"end":1977.365,"sentiment":"neutral","sentiment_score":-0.15708613851004177},{"text":"It wasn't where it wasn't where the person wanted their estate to be passed off to, and it can mean that things are distributed unevenly as 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don't have a","start":1990.915,"end":1992.23,"sentiment":"neutral","sentiment_score":-0.048418447375297546}],"sentiment":"neutral","sentiment_score":-0.039838667144067585,"channel":1,"num_words":16,"start":1987.715,"end":1992.23},{"sentences":[{"text":"no.","start":1992.92,"end":1993.0801,"sentiment":"neutral","sentiment_score":-0.04140486568212509},{"text":"That's okay.","start":1993.0801,"end":1993.64,"sentiment":"neutral","sentiment_score":0.043725961819291115},{"text":"So everything else is ending in your name.","start":1993.64,"end":1995.4801,"sentiment":"neutral","sentiment_score":0.05844256142154336},{"text":"So your bank accounts, your super and your life insurance is all covered under your beneficiary, so","start":1995.4801,"end":2000.6749,"sentiment":"neutral","sentiment_score":0.12272848670973498}],"sentiment":"neutral","sentiment_score":0.09285613654979638,"channel":0,"num_words":28,"start":1992.92,"end":2000.6749},{"sentences":[{"text":"property.","start":2000.61,"end":2001.11,"sentiment":"neutral","sentiment_score":0.0919080600142479}],"sentiment":"neutral","sentiment_score":0.0919080600142479,"channel":1,"num_words":1,"start":2000.61,"end":2001.11},{"sentences":[{"text":"that's absolutely fine.","start":2000.6749,"end":2001.895,"sentiment":"neutral","sentiment_score":0.17478095491727194},{"text":"But things like your bank accounts, anything with your name on it, cars, boats, caravans,","start":2002.355,"end":2008.0549,"sentiment":"neutral","sentiment_score":0.011136109878619512}],"sentiment":"neutral","sentiment_score":0.03841025071839491,"channel":0,"num_words":18,"start":2000.6749,"end":2008.0549},{"sentences":[{"text":"Right.","start":2008.705,"end":2009.205,"sentiment":"neutral","sentiment_score":0.007953996770083904}],"sentiment":"neutral","sentiment_score":0.007953996770083904,"channel":1,"num_words":1,"start":2008.705,"end":2009.205},{"sentences":[{"text":"contents, might they have family heirlooms or tools of trade or things like that.","start":2008.755,"end":2013.69,"sentiment":"neutral","sentiment_score":-0.012844774605972427},{"text":"So a lot of those bits and pieces because once you pass away, your family has to gather essentially all of your assets, and they do a final tax return for you.","start":2013.69,"end":2023.39,"sentiment":"neutral","sentiment_score":-0.00043811986688524485},{"text":"So they have to kinda correlate everything and put it together, and it's called the estate.","start":2023.5349,"end":2028.255,"sentiment":"neutral","sentiment_score":0.05680315522477031},{"text":"And that's just correlating all the information on all the assets you have, all your bank accounts, any investments you might have, any money stashed away or anything that might be sold off or considered point of value, and your estate has to do a final tax return once you've passed away, and then it all goes through probate.","start":2028.255,"end":2047.44,"sentiment":"neutral","sentiment_score":-0.01774822813221964},{"text":"So it is quite a lengthy process.","start":2047.66,"end":2049.6,"sentiment":"neutral","sentiment_score":-0.17615825150694167}],"sentiment":"neutral","sentiment_score":-0.012228511070134118,"channel":0,"num_words":128,"start":2008.755,"end":2049.6},{"sentences":[{"text":"Most of the time, you know, things just go straight to your spouse.","start":2050.785,"end":2054.2249,"sentiment":"neutral","sentiment_score":-0.18839731583228478},{"text":"The judge goes, right.","start":2054.2249,"end":2055.185,"sentiment":"neutral","sentiment_score":-0.11652543395757675},{"text":"Cool.","start":2055.185,"end":2055.505,"sentiment":"neutral","sentiment_score":0.07349764555692673},{"text":"No one's really stuck your claim.","start":2055.505,"end":2056.945,"sentiment":"negative","sentiment_score":-0.5967597564061483},{"text":"No one's entitled or anything.","start":2056.945,"end":2058.2249,"sentiment":"negative","sentiment_score":-0.5030889928340911}],"sentiment":"neutral","sentiment_score":-0.3081990585758768,"channel":0,"num_words":29,"start":2050.785,"end":2058.2249},{"sentences":[{"text":"Goes straight to the spouse.","start":2058.2249,"end":2059.505,"sentiment":"neutral","sentiment_score":-0.301059889793396},{"text":"Absolutely fine.","start":2059.505,"end":2060.565,"sentiment":"neutral","sentiment_score":0.17580308103060815},{"text":"But there are those instances where families can come forward, past partners, you know, relatives you may not speak to, stake a claim, and if their claim is good enough or if the judge deems that viable under yeah.","start":2061.105,"end":2073.92,"sentiment":"neutral","sentiment_score":-0.03478988451071274},{"text":"They can pass off some of your estate.","start":2073.92,"end":2076.16,"sentiment":"negative","sentiment_score":-0.3454962223768234},{"text":"So it's not guaranteed by any means.","start":2076.16,"end":2079.045,"sentiment":"neutral","sentiment_score":-0.24388536172253744}],"sentiment":"neutral","sentiment_score":-0.11445354252288377,"channel":0,"num_words":61,"start":2058.2249,"end":2079.045},{"sentences":[{"text":"It could be a lot more of a straightforward process than, you know, what I've kinda gone through.","start":2079.045,"end":2083.285,"sentiment":"neutral","sentiment_score":0.047262202534410686},{"text":"However, I have seen it go both ways.","start":2083.285,"end":2085.705,"sentiment":"positive","sentiment_score":0.34817126393318176},{"text":"And having something like a will kit, you can even go to the post office and just purchase the will kit.","start":2085.7651,"end":2092.17,"sentiment":"positive","sentiment_score":0.34034070940244765},{"text":"I think I saw them in there the other day for about $35 now.","start":2092.17,"end":2095.79,"sentiment":"neutral","sentiment_score":0.29421272022383554},{"text":"And you just go through the will kit.","start":2095.85,"end":2097.45,"sentiment":"neutral","sentiment_score":0.30096860229969025}],"sentiment":"neutral","sentiment_score":0.25086915298648504,"channel":0,"num_words":69,"start":2079.045,"end":2097.45},{"sentences":[{"text":"You just fill it out as per the instructions noting who you want to have what, and then make sure someone knows where it's located, your wife or your kids or someone that you trust knows where that will kit is set, and just make sure it's all done as per the instructions.","start":2097.45,"end":2115.125,"sentiment":"neutral","sentiment_score":0.2599581891916833},{"text":"And then at least you've got a will in place.","start":2115.6501,"end":2117.57,"sentiment":"positive","sentiment_score":0.38110927641391756},{"text":"It's a much cheaper way than going to speak to a solicitor, and it can be just as effective as well, but it's just about making sure your your wishes are adhered to.","start":2117.57,"end":2126.1301,"sentiment":"positive","sentiment_score":0.4523691182786768},{"text":"Does that make 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sounds","start":2128.6099,"end":2129.0898,"sentiment":"neutral","sentiment_score":0.3115209639072418}],"sentiment":"neutral","sentiment_score":0.28408133238554,"channel":1,"num_words":4,"start":2126.8499,"end":2129.0898},{"sentences":[{"text":"Yeah.","start":2128.785,"end":2129.285,"sentiment":"positive","sentiment_score":0.4190215468406677}],"sentiment":"positive","sentiment_score":0.4190215468406677,"channel":0,"num_words":1,"start":2128.785,"end":2129.285},{"sentences":[{"text":"easy.","start":2129.0898,"end":2129.5898,"sentiment":"positive","sentiment_score":0.401611864566803}],"sentiment":"positive","sentiment_score":0.401611864566803,"channel":1,"num_words":1,"start":2129.0898,"end":2129.5898},{"sentences":[{"text":"Yeah.","start":2130.385,"end":2130.885,"sentiment":"neutral","sentiment_score":0.15397262573242188},{"text":"It's it's a really interesting process because, I mean, I've seen a lot of people and a lot of people do say to me, I've got nothing.","start":2131.025,"end":2136.705,"sentiment":"neutral","sentiment_score":-0.1711868791392556},{"text":"I don't think I've got anything.","start":2136.705,"end":2137.905,"sentiment":"negative","sentiment_score":-0.3932772974173228},{"text":"It's not worth anything.","start":2137.905,"end":2139.125,"sentiment":"negative","sentiment_score":-0.47114793956279755},{"text":"But when you sort of think about passing away, a lot of things can come to play.","start":2139.185,"end":2144.5398,"sentiment":"negative","sentiment_score":-0.39595209325061126}],"sentiment":"neutral","sentiment_score":-0.28079116798259995,"channel":0,"num_words":55,"start":2130.385,"end":2144.5398},{"sentences":[{"text":"A lot of people, you know, you may never spoken to for years might decide, hey.","start":2144.5398,"end":2148.22,"sentiment":"neutral","sentiment_score":-0.2596804406493902},{"text":"I want a piece of that or I deserve something.","start":2148.22,"end":2150.64,"sentiment":"neutral","sentiment_score":-0.28317251354455947},{"text":"And probate can go for as little as a couple of weeks or a month, or it can go for years depending on what happens.","start":2151.18,"end":2157.415,"sentiment":"neutral","sentiment_score":-0.205092236995697},{"text":"And I've seen probate go for, you know, two or three years even when clients didn't think they had anything at all.","start":2157.415,"end":2163.835,"sentiment":"neutral","sentiment_score":-0.3119125095280734},{"text":"And it's just going on at such a long lengthy cost that there was nothing left to hand off at the end anyway.","start":2164.695,"end":2171.17,"sentiment":"negative","sentiment_score":-0.4521177631357442}],"sentiment":"neutral","sentiment_score":-0.30598647783820826,"channel":0,"num_words":96,"start":2144.5398,"end":2171.17},{"sentences":[{"text":"So, yeah, it's really hard to say what could happen, but having a power of attorney in place is 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know.","start":2619.6848,"end":2624.9102,"sentiment":"neutral","sentiment_score":-0.1590088750033275}],"sentiment":"neutral","sentiment_score":-0.12688419610882798,"channel":0,"num_words":24,"start":2619.125,"end":2624.9102},{"sentences":[{"text":"Yeah.","start":2625.2102,"end":2625.7102,"sentiment":"neutral","sentiment_score":0.16317525506019592}],"sentiment":"neutral","sentiment_score":0.16317525506019592,"channel":1,"num_words":1,"start":2625.2102,"end":2625.7102},{"sentences":[{"text":"I'll do everything I can to make sure I live up to the expectation.","start":2625.29,"end":2627.95,"sentiment":"neutral","sentiment_score":0.3106709676129477},{"text":"And look so we'll set a catch up for in six months' time from today.","start":2628.4102,"end":2631.79,"sentiment":"neutral","sentiment_score":0.20494376619656882},{"text":"And if anything comes up and you just want an extra catch up here or there or there's an ad hoc thing or a random question, you let me know.","start":2632.17,"end":2638.83,"sentiment":"neutral","sentiment_score":0.07237703800201416},{"text":"I don't work Fridays, but I work really early in the morning.","start":2639.325,"end":2642.205,"sentiment":"neutral","sentiment_score":-0.00030285197620590526},{"text":"So generally from 07:30 to about six, 07:00 at night, Monday to Thursday, and I'll happily speak to you after work if we need to.","start":2642.205,"end":2649.805,"sentiment":"neutral","sentiment_score":0.09368864044547082}],"sentiment":"neutral","sentiment_score":0.12430669757304713,"channel":0,"num_words":96,"start":2625.29,"end":2649.805},{"sentences":[{"text":"If you really need me on a Friday, I'll make sure I've got time for you then as well.","start":2649.805,"end":2653.645,"sentiment":"neutral","sentiment_score":0.09531884307139799},{"text":"So","start":2653.645,"end":2654.145,"sentiment":"neutral","sentiment_score":0.1127689927816391}],"sentiment":"neutral","sentiment_score":0.09619135055691004,"channel":0,"num_words":20,"start":2649.805,"end":2654.145},{"sentences":[{"text":"Yes.","start":2654.0498,"end":2654.5498,"sentiment":"neutral","sentiment_score":0.16608723998069763}],"sentiment":"neutral","sentiment_score":0.16608723998069763,"channel":1,"num_words":1,"start":2654.0498,"end":2654.5498},{"sentences":[{"text":"at the end of the day, I work for you now, Jason.","start":2654.67,"end":2656.8499,"sentiment":"neutral","sentiment_score":0.25474244852860767},{"text":"So you let me know what you need, and I will make sure that I'm here to support you.","start":2656.91,"end":2661.39,"sentiment":"positive","sentiment_score":0.3571504228993466},{"text":"Okay?","start":2661.39,"end":2661.89,"sentiment":"neutral","sentiment_score":0.15882231295108795}],"sentiment":"neutral","sentiment_score":0.3125496790744364,"channel":0,"num_words":32,"start":2654.67,"end":2661.89},{"sentences":[{"text":"Alright.","start":2661.7148,"end":2662.1948,"sentiment":"neutral","sentiment_score":0.21906742453575137},{"text":"No problem.","start":2662.1948,"end":2662.9348,"sentiment":"positive","sentiment_score":0.3795212656259537}],"sentiment":"neutral","sentiment_score":0.32603665192921955,"channel":1,"num_words":3,"start":2661.7148,"end":2662.9348},{"sentences":[{"text":"Amazing.","start":2663.55,"end":2664.05,"sentiment":"positive","sentiment_score":0.6709099411964417},{"text":"Well, thank you so much for your time.","start":2664.1099,"end":2665.55,"sentiment":"positive","sentiment_score":0.7414489760994911},{"text":"I'll let you go to have a look at everything.","start":2665.55,"end":2667.31,"sentiment":"positive","sentiment_score":0.517805552482605},{"text":"If there's any questions that of any of that, you let me know.","start":2667.31,"end":2670.1948,"sentiment":"neutral","sentiment_score":0.25112548011999863},{"text":"Okay?","start":2670.1948,"end":2670.6948,"sentiment":"neutral","sentiment_score":0.15628637373447418}],"sentiment":"positive","sentiment_score":0.46065075424584473,"channel":0,"num_words":33,"start":2663.55,"end":2670.6948},{"sentences":[{"text":"Yep.","start":2671.46,"end":2671.54,"sentiment":"neutral","sentiment_score":0.1348922848701477},{"text":"Alright.","start":2671.54,"end":2672.04,"sentiment":"neutral","sentiment_score":0.2303919792175293},{"text":"No worries.","start":2672.0999,"end":2672.8398,"sentiment":"neutral","sentiment_score":0.3185112327337265}],"sentiment":"neutral","sentiment_score":0.2505766823887825,"channel":1,"num_words":4,"start":2671.46,"end":2672.8398},{"sentences":[{"text":"Fantastic.","start":2672.6748,"end":2673.1748,"sentiment":"positive","sentiment_score":0.7753825187683105},{"text":"Thank you so much.","start":2673.4749,"end":2674.355,"sentiment":"positive","sentiment_score":0.8449431359767914},{"text":"It's been a pleasure to put this together for you, and I hope you have a good relaxing evening.","start":2674.355,"end":2678.375,"sentiment":"positive","sentiment_score":0.8167515365700972}],"sentiment":"positive","sentiment_score":0.8197264273961385,"channel":0,"num_words":24,"start":2672.6748,"end":2678.375},{"sentences":[{"text":"I'll try to.","start":2678.98,"end":2680.04,"sentiment":"positive","sentiment_score":0.35954850912094116},{"text":"Yeah.","start":2680.82,"end":2681.14,"sentiment":"neutral","sentiment_score":0.2180578112602234},{"text":"You too.","start":2681.14,"end":2681.88,"sentiment":"neutral","sentiment_score":0.2579776644706726}],"sentiment":"neutral","sentiment_score":0.3021097779273987,"channel":1,"num_words":6,"start":2678.98,"end":2681.88},{"sentences":[{"text":"Oh, good.","start":2682.48,"end":2683.12,"sentiment":"positive","sentiment_score":0.42607951164245605},{"text":"I'll let you go, but thank you for your time.","start":2683.12,"end":2684.96,"sentiment":"positive","sentiment_score":0.5655875504016876},{"text":"I hope you have a wonderful rest of your week.","start":2684.96,"end":2687.22,"sentiment":"positive","sentiment_score":0.6976454854011536}],"sentiment":"positive","sentiment_score":0.612931335514242,"channel":0,"num_words":22,"start":2682.48,"end":2687.22},{"sentences":[{"text":"Alright.","start":2687.2148,"end":2687.615,"sentiment":"neutral","sentiment_score":0.29953742027282715},{"text":"You too.","start":2687.615,"end":2688.095,"sentiment":"neutral","sentiment_score":0.3047233521938324},{"text":"Thanks.","start":2688.095,"end":2688.595,"sentiment":"positive","sentiment_score":0.4988747835159302}],"sentiment":"positive","sentiment_score":0.35196472704410553,"channel":1,"num_words":4,"start":2687.2148,"end":2688.595},{"sentences":[{"text":"Thanks, Jason.","start":2688.56,"end":2689.44,"sentiment":"positive","sentiment_score":0.5583844780921936},{"text":"See you later.","start":2689.44,"end":2690.16,"sentiment":"positive","sentiment_score":0.45856855312983197},{"text":"Bye.","start":2690.16,"end":2690.66,"sentiment":"neutral","sentiment_score":-0.04451335594058037}],"sentiment":"positive","sentiment_score":0.4079935432722171,"channel":0,"num_words":6,"start":2688.56,"end":2690.66}]},"summary":{"result":"success","short":"The Oakey Financial representative, Jason, discusses his risk tolerance and investment portfolio with the customer, Jason. They recommend staying within Net adverse and recommend a tax return on the remaining funds in Net adverse. The agent suggests a switch to Vanguard All World to diversify the portfolio and avoid investing in the US. The speaker emphasizes the importance of saving on fees and maintaining a stable portfolio, as well as updating the client's investment portfolio and avoiding investing in the US. The agent provides information on retirement planning and the importance of having a will and power of attorney in place for estate planning. The speaker emphasizes the need for legal protection and provides information on how to make contributions and receive a payout from Neos. The agent explains that the company receives payment from Neos and offers assistance for any questions."},"intents":{"segments":[{"text":"I had you booked in to go through your updated statement of advice. Is now still a good time there for you? Yeah.","start_word":18,"end_word":40,"intents":[{"intent":"Check status of statement of advice and schedule a meeting","confidence_score":0.0000029885769}]},{"text":"I'm it's a little bit telling me there's an issue with sending this through. I might have to go back out and resend it. I do apologize.","start_word":354,"end_word":380,"intents":[{"intent":"Requesting resending","confidence_score":0.0014294109}]},{"text":"Let's see if this works for us. Beautiful.","start_word":392,"end_word":399,"intents":[{"intent":"Offering help","confidence_score":0.00025111812}]},{"text":"No.","start_word":400,"end_word":400,"intents":[{"intent":"Requesting clarification","confidence_score":0.017480038}]},{"text":"And how's things sort of being since you're getting back to work and getting back into everything? No. It's been good. Yeah. Yes. Oh, that's good. You said last time we spoke that work's been picking up nicely for you as well. Yeah.","start_word":418,"end_word":460,"intents":[{"intent":"Inquiring about status","confidence_score":0.0021459616}]},{"text":"You said last time we spoke that work's been picking up nicely for you as well. Yeah.","start_word":444,"end_word":460,"intents":[{"intent":"Explaining status","confidence_score":0.000006048543}]},{"text":"That's really good to hear. Excellent.","start_word":463,"end_word":468,"intents":[{"intent":"Acknowledging information","confidence_score":0.001999741}]},{"text":"That's really good to hear. Excellent. All good.","start_word":463,"end_word":470,"intents":[{"intent":"Affirming understanding","confidence_score":0.00023234266}]},{"text":"Now that's on its way to you, Jason. So default is coming through. I will just let you know moving forward as we go through the advice document, we do record our calls for quality and training purposes. Are you happy for me to proceed with that moving forward? Yeah.","start_word":515,"end_word":564,"intents":[{"intent":"Confirming confirmation","confidence_score":0.006796378}]},{"text":"Your address. Sorry. 9 King Street up in New South Wales. Fantastic.","start_word":621,"end_word":632,"intents":[{"intent":"Confirming address","confidence_score":0.12125952}]},{"text":"Thank you so much for that.","start_word":633,"end_word":638,"intents":[{"intent":"Expressing gratitude","confidence_score":0.47953656}]},{"text":"But for you to be able to review this one, it will ask you just to agree or press the sign button so you can move forward. But it should Yep.","start_word":722,"end_word":752,"intents":[{"intent":"Review investment portfolio","confidence_score":0.06785121}]},{"text":"But the other thing to consider when we do look at switching in some super funds and switching investments, your super fund, just like you, does a tax return every year, so we do need to take into account the kind of tax consequences that your fund would need to, essentially cover or pay for at the end of the day.","start_word":1060,"end_word":1120,"intents":[{"intent":"Discuss fund rotation","confidence_score":0.000036822912}]},{"text":"So one of the biggest things that's been able to mitigate risk and and look at ways to diversify your portfolio is to make sure we're getting exposure into not only some of the largest companies and already set set companies and set sorry.","start_word":1549,"end_word":1592,"intents":[{"intent":"Decrease investment risk","confidence_score":0.0000037991279}]},{"text":"And it's about making sure that you've got a good a good array and exposure across asset classes, industries, as well as companies to make sure your portfolio is working for you, but that we're also mitigating as much risk as possible as we are doing so.","start_word":2014,"end_word":2060,"intents":[{"intent":"Ensure portfolio diversify","confidence_score":0.00081295596}]},{"text":"It's the adviser service fee. Yes.","start_word":2301,"end_word":2306,"intents":[{"intent":"Clarify fees and advisers","confidence_score":0.00002422804}]},{"text":"At the moment, you are in that growth portfolio there, and you'll see that you've got that five year rolling average there. So it's essentially showing showing you in the current scenario with the current portfolio that you're in, we take that and we look at the average that it has been able to perform over the past five years there.","start_word":2642,"end_word":2702,"intents":[{"intent":"Acknowledge portfolio performance","confidence_score":0.0038023007}]},{"text":"So what we'll do is and you'll see in this table here, we have recommended contributions be going in. Essentially, the way I'm I'm recommending those is we make them as a deductible contributions, and we talked about a $100 on a weekly basis. So Yes.","start_word":3144,"end_word":3189,"intents":[{"intent":"Educate about deductible contributions","confidence_score":0.00079481985}]},{"text":"And then at the end of the financial year, I'll actually put a little I prefer to kinda do it more than once a year. So, essentially, I'll have a look at when your insurance premiums are due to come out, and I'll make sure we claim a notice of intent just before the insurance premiums are deducted, but then making sure we do another one at the end of the financial year.","start_word":3232,"end_word":3304,"intents":[{"intent":"Plan annual contributions","confidence_score":0.000039188268}]},{"text":"So what we'll do is we'll just send you the contributions information.","start_word":3664,"end_word":3675,"intents":[{"intent":"Provide contributions and deductions","confidence_score":0.0014475689}]},{"text":"So, essentially, you'll see in that table there, the contribution noted is 4,420. That is net. So you putting a $100 in per week does mean you put 5,200 in over the course of the year. However, this is just the net, so after the tax has been taken into account for you. Okay? Yeah.","start_word":4001,"end_word":4055,"intents":[{"intent":"Make contributions","confidence_score":0.029150473},{"intent":"Disclose contribution","confidence_score":0.044639133},{"intent":"Explain contribution structure","confidence_score":0.00012170925}]},{"text":"did go back and have a look at the CGT consequences. You'll see in the difference column there the amount of $382. In order to make those changes inside your super fund there and make the investment switches, your super fund would be expected to pay about $380 in in capital gains tax. So Yes.","start_word":4253,"end_word":4307,"intents":[{"intent":"Discuss tax consequences","confidence_score":0.011235544}]},{"text":"You'll also see there is a difference in the ongoing adviser fee. Our ongoing service fee is 1.65% per annum. This is breaking it down into a dollar figure for you. And whilst the balance is not hasn't gone up in the top column there, the $1.","start_word":4343,"end_word":4389,"intents":[{"intent":"Inquire about fee discrepancy","confidence_score":0.0000011872967}]},{"text":"So that's the difference of the $78. Okay? Right. Yeah.","start_word":4400,"end_word":4409,"intents":[{"intent":"Show difference","confidence_score":0.017499698}]},{"text":"But all in all, so long as everything goes according to plan and, you know, if this if these investments can perform the way they have and, you know, everything shows that you should be on track for a much greater retirement, and we will update the advice regularly.","start_word":4411,"end_word":4459,"intents":[{"intent":"Update advice","confidence_score":0.33472654}]},{"text":"So we did talk about income protection trauma. The cost Yeah.","start_word":4602,"end_word":4612,"intents":[{"intent":"Discuss income protection","confidence_score":0.026242467}]},{"text":"This is just letting you know and showing you the difference with regard to the insurance side of things. So because you are paying for the life and TPD out of your super fund as you get older, essentially, your insurance premiums do get more and more expensive as the risk of you making a claim increases.","start_word":4689,"end_word":4745,"intents":[{"intent":"Confirm insurance coverage","confidence_score":0.0012026726},{"intent":"Explain insurance differences","confidence_score":0.00031542275},{"intent":"Inform about insurance payment","confidence_score":0.0000010132135}]},{"text":"So we just like to make sure we have that comparison in there for you. It does show you the difference by not having insurances. However, I'm not making any recommendations to cancel them. I still think insurances are definitely appropriate for your life stage and where you're at, but we can always review these down the track with you as well. Okay.","start_word":4816,"end_word":4878,"intents":[{"intent":"Compare insurances","confidence_score":0.030416312}]},{"text":"But at the moment, based on the current recommendations, when we kinda project this forward over the next few years, we can sort of see that if everything was to stay on track, essentially, being able to retire at the age of 70 there, you're kind of looking for a retirement income of a base of 52,000 per annum.","start_word":4975,"end_word":5033,"intents":[{"intent":"Review and evaluate retirement income","confidence_score":0.02682049}]},{"text":"This is utilizing your super as well as the eligibility for Centrelink, which based on your current circumstances, you would have eligibility to.","start_word":5060,"end_word":5082,"intents":[{"intent":"Utilize super","confidence_score":0.067909084},{"intent":"Evaluate centrelink eligibility","confidence_score":0.017917763}]},{"text":"Some of the coolest strategies kinda come into play when you turn 60. So I'm not sure if we kinda spoke about this in the past, but when you do turn 60, you get access to what's called a transition retirement strategy, which is where you can be putting a lot more money into super up to the cap.","start_word":5188,"end_word":5246,"intents":[{"intent":"Discuss retirement strategy and retirement benefits","confidence_score":0.0000120018885}]},{"text":"You can kinda go from and this is just showing you without any additional deductions and things like that. This is sort of Yep. showing you that if you start with 60,000 there, you put that 5,200 into super. It reduces your taxable income there. It also reduces, essentially, the expectation that it reduces the tax payable on your income as well, so it saves you some income tax. Yeah.","start_word":5513,"end_word":5582,"intents":[{"intent":"Discuss tax deductions and expenses","confidence_score":0.000030234094}]},{"text":"What So do you mean by estates? Like, I don't I mean, I rent. I don't have a no. That's okay. So everything else is ending in your name. So your bank accounts, your super and your life insurance is all covered under your beneficiary, so property.","start_word":6415,"end_word":6461,"intents":[{"intent":"Define estate coverage","confidence_score":0.00029221803}]},{"text":"And having something like a will kit, you can even go to the post office and just purchase the will kit.","start_word":6725,"end_word":6745,"intents":[{"intent":"Promote will kit purchase","confidence_score":0.014875922}]},{"text":"So, yeah, it's really hard to say what could happen, but having a power of attorney in place is important because if you have a car accident or you're in a a medical incapacity or something happens to you where you can't make decisions, then you've appointed someone who can follow your direction.","start_word":7026,"end_word":7078,"intents":[{"intent":"Place power of attorney","confidence_score":0.0014725572},{"intent":"Make important decisions","confidence_score":0.000045062137}]},{"text":"To give you a bit of an example, my mom is a really good case where I'm her power of attorney. It's in the documents that, you know, what she wants to happen if, say, she's medically incapacitated and can't make decisions, I've got a list of questions I have to ask the doctor.","start_word":7078,"end_word":7131,"intents":[{"intent":"Ask doctor for instructions","confidence_score":0.00032094365}]},{"text":"So it's just about making sure that people know what your wishes are.","start_word":7146,"end_word":7158,"intents":[{"intent":"Share wishes with trusted person","confidence_score":1.3663542e-8}]},{"text":"then the will to protect your estate and make sure that anything is distributed as per how you want your money, your valuables, to be distributed after passing. Okay. Yeah.","start_word":7208,"end_word":7237,"intents":[{"intent":"Protect estate and valuable items","confidence_score":0.011996903}]},{"text":"As part of these advice documentation, we just make recommendations letting you know what we're recommending.","start_word":7384,"end_word":7399,"intents":[{"intent":"Guide recommendations","confidence_score":0.00082299934}]},{"text":"We'll then do the investment switch in the background, change the investments for you. You might get notifications that we're doing that in the back end, but you won't have to do anything. Yep.","start_word":7766,"end_word":7799,"intents":[{"intent":"Notify about changes to investments","confidence_score":0.000005661641}]},{"text":"I'll then give you the information on how to make the contribution. I can even send that to you this afternoon after the call just a bit with the the details on how to make those contributions into super so you can start that.","start_word":7800,"end_word":7843,"intents":[{"intent":"Make contributions","confidence_score":0.19985262},{"intent":"Obtain information","confidence_score":0.0002745351}]},{"text":"I can even send that to you this afternoon after the call just a bit with the the details on how to make those contributions into super so you can start that.","start_word":7812,"end_word":7843,"intents":[{"intent":"Send documents","confidence_score":0.20314547}]},{"text":"Well, look, I've rambled on a lot there for you, so I will let you go. You're welcome to have a bit of time to read through that one. I'll get that email this afternoon with the contributions details for your fund to make it a bit easier on you. And Yeah.","start_word":7952,"end_word":8003,"intents":[{"intent":"Review notes","confidence_score":0.0011216657}]},{"text":"will I see that on my app as well? So No.","start_word":8090,"end_word":8100,"intents":[{"intent":"Check app","confidence_score":0.08132895}]},{"text":"be able to see the transactions. Oh, And okay. in the transactions, you'll see the contributions showing up. But if you ever get stuck, let me know. We can always do a bit of a catch up and and print out anything or email anything you need. But, yeah, in the transactions, you'll see those contributions being received and invested. Yeah. Yeah. Yeah.","start_word":8121,"end_word":8183,"intents":[{"intent":"Request assistance with transactions","confidence_score":0.003217192}]},{"text":"he said, he was busy all the time. Yeah. So Yeah. yeah.","start_word":8466,"end_word":8477,"intents":[{"intent":"Reporting availability","confidence_score":0.00003412442}]},{"text":"at the end of the day, I work for you now, Jason. So you let me know what you need, and I will make sure that I'm here to support you. Okay? Alright.","start_word":8625,"end_word":8657,"intents":[{"intent":"Providing assistance","confidence_score":0.023187108}]},{"text":"Alright.","start_word":8657,"end_word":8657,"intents":[{"intent":"Verifying understanding","confidence_score":0.000779124}]},{"text":"Thank you so much. It's been a pleasure to put this together for you, and I hope you have a good relaxing evening. I'll try to. Yeah. You too. Oh, good. I'll let you go, but thank you for your time. I hope you have a wonderful rest of your week. Alright.","start_word":8698,"end_word":8749,"intents":[{"intent":"Expressing gratitude","confidence_score":0.4811766},{"intent":"Expressing gratitude","confidence_score":0.102156356}]},{"text":"Thanks, Jason. See you later. Bye.","start_word":8753,"end_word":8758,"intents":[{"intent":"Ending conversation","confidence_score":0.16572702}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Jason. It's Dana from Oakey Financial. How are you today? Hi.","start_word":0,"end_word":12,"sentiment":"neutral","sentiment_score":0.23671403527259827},{"text":"Not too bad. That's good. I had you booked in to go through your updated statement of advice.","start_word":13,"end_word":30,"sentiment":"positive","sentiment_score":0.452777236700058},{"text":"Is now still a good time there for you? Yeah. No. It should be fine. I Yeah. always All say good. I forgot I forgot about the daylight savings. That's okay.","start_word":31,"end_word":61,"sentiment":"neutral","sentiment_score":0.20037883520126343},{"text":"You're not a problem at all. I'm very flexible.","start_word":62,"end_word":70,"sentiment":"positive","sentiment_score":0.3788589537143707},{"text":"Always make sure I work around and then look yourself employed now. So it's important that you take the work when you've got it, so not an issue at all. Yeah. And that's what I finished. It's it's only 04:00 up there, isn't it? No. It's 05:00 here now. We're off there on savings now. Oh, you're off oh, you you do today. Yeah. What's happening as well? No. So I actually live in New South Wales. So I live on New South Wales times during daylight savings, which is very similar to yourself. And then I work in Queensland here and come to work on the Gold Coast. So I kind of move between Alright. time zones a bit like I you probably sometimes can. have to do. Yeah. Fair enough. Yeah. No. All good. All good. Jason, I've got a copy of your document to send through to you so you can run through it with me and have a look at it. Do you have access to your email, sir, at the moment? If you don't, that's okay. I can always Just go got through my it for time. you. That's all. Yeah. That's alright. Is it easy for you to be able to go in and have a look at that, or is it Yeah. not preferable? Yeah. That's fine. Yeah. Yep. Beautiful. What I'll do is I'll just send it through to you then now. Just double checking. Your email address I have here is jason1jzed@hotmail.com. Is that right? Yep. That's it. Yep.","start_word":71,"end_word":328,"sentiment":"neutral","sentiment_score":0.07555817067623138},{"text":"Fantastic.","start_word":329,"end_word":329,"sentiment":"positive","sentiment_score":0.4145873785018921},{"text":"Okay. So I'm just sending this one through to you. Sorry. My computer's a little bit slow this afternoon. There we go. Oh, sorry. I'm it's a little bit telling me there's an issue with sending this through. I might have to go back out and resend it. I do apologize. Uh-huh. Love technology when it wants to work. Mhmm. All good. Let's see if this works for us.","start_word":330,"end_word":398,"sentiment":"neutral","sentiment_score":-0.06714565663234047},{"text":"Beautiful.","start_word":399,"end_word":399,"sentiment":"positive","sentiment_score":0.34546592831611633},{"text":"No. That's better. Other than how's how's your day been otherwise? I was busy. Yeah. Yeah. All good. And how's things sort of being since you're getting back to work and getting back into everything? No. It's been good. Yeah. Yes.","start_word":400,"end_word":440,"sentiment":"neutral","sentiment_score":0.045812539756298065},{"text":"Oh, that's good.","start_word":441,"end_word":443,"sentiment":"positive","sentiment_score":0.35523539781570435},{"text":"You said last time we spoke that work's been picking up nicely for you as well. Yeah.","start_word":444,"end_word":460,"sentiment":"neutral","sentiment_score":0.31686046719551086},{"text":"Well, fantastic. That's really good to hear. Excellent. All good.","start_word":461,"end_word":470,"sentiment":"positive","sentiment_score":0.5169482827186584},{"text":"Sorry. It won't be two seconds. I'm just reattaching a few additional documents there, and it should be fine to go. Love technology. Love everything when it wants to work. When it doesn't tell you what. Yes.","start_word":471,"end_word":507,"sentiment":"neutral","sentiment_score":0.06988296657800674},{"text":"Beautiful.","start_word":508,"end_word":508,"sentiment":"positive","sentiment_score":0.33826079964637756},{"text":"Okay. And this one's there.","start_word":509,"end_word":513,"sentiment":"neutral","sentiment_score":0.2325548678636551},{"text":"Fantastic. Now that's on its way to you, Jason.","start_word":514,"end_word":522,"sentiment":"positive","sentiment_score":0.39563223719596863},{"text":"So default is coming through. I will just let you know moving forward as we go through the advice document, we do record our calls for quality and training purposes. Are you happy for me to proceed with that moving forward? Yeah. That's fine. Yep.","start_word":523,"end_word":567,"sentiment":"neutral","sentiment_score":0.18335376679897308},{"text":"Fantastic.","start_word":568,"end_word":568,"sentiment":"positive","sentiment_score":0.42468035221099854},{"text":"And then also just to go through and do security day with you as well, I'll just get you to confirm your full name, your date of birth, and address I should have on file. Yeah. Jason Gauci, fifteenth of Yep. the second nineteen seventy three. Yep. And what else was there? Your address. Sorry. 9 King Street up in New South Wales.","start_word":569,"end_word":631,"sentiment":"neutral","sentiment_score":0.09179273992776872},{"text":"Fantastic. Thank you so much for that.","start_word":632,"end_word":638,"sentiment":"positive","sentiment_score":0.45631954073905945},{"text":"So, hopefully, that should pop through to you in just in just a moment there. When you do, when you open up the Yep. email there, it's supposed to say statement of of advice with your name on the front of it there and then has all my adviser information on the bottom of the first page for you. Okay. Yep. Yep.","start_word":639,"end_word":700,"sentiment":"neutral","sentiment_score":0.15166628553021338},{"text":"I've got that. Fantastic.","start_word":701,"end_word":704,"sentiment":"positive","sentiment_score":0.4845377802848816},{"text":"Now with that one there, I have also made it as an attachment to the documents there. But for you to be able to review this one, it will ask you just to agree or press the sign button so you can move forward. But it should Yep. just let you scroll up and down through the document there.","start_word":705,"end_word":763,"sentiment":"neutral","sentiment_score":0.17661680281162262},{"text":"Yeah. Fantastic. What I'll get you to do to make Yep.","start_word":764,"end_word":774,"sentiment":"positive","sentiment_score":0.396573930978775},{"text":"it easier, I'll let you go back and have a really good read of the document after the call, but just to run through the things that I need to run through with you. If you can scroll down to page number 20 there for me, 20 you'll see all the investment tables. 20.","start_word":775,"end_word":828,"sentiment":"neutral","sentiment_score":0.19789659976959229},{"text":"Perfect.","start_word":829,"end_word":829,"sentiment":"positive","sentiment_score":0.37383225560188293},{"text":"So oops. It's 18, 19, 20. Yep. Got it. There we go.","start_word":830,"end_word":841,"sentiment":"neutral","sentiment_score":0.13329246640205383},{"text":"Fantastic.","start_word":842,"end_word":842,"sentiment":"positive","sentiment_score":0.6179300546646118},{"text":"Now when we sort of spoke, we did talk about and had a bit of a look at your portfolio. Now everything had been performing really nicely there, but we did wanna go back and just review things to make sure that you were invested in a growth portfolio, which essentially sees about 80% in those growth assets. So it's things like Australian shares, international shares, listed property, and commodities. And we Yep. had noted that one of those investments that have been along Australian equities have been underperforming a bit. So we talked about going back and just readjusting your portfolio and maybe rebalancing a little bit as well to make sure that you're not taking on too much risk because of all that volatility that we have sort of seen over the past few months there. So Yep.","start_word":843,"end_word":982,"sentiment":"neutral","sentiment_score":-0.0033693043515086174},{"text":"I did go back and have a really good look at your your super fund within Netwealth there and the investments that you invested in. As a whole, Netwealth itself is a great super fund.","start_word":983,"end_word":1017,"sentiment":"positive","sentiment_score":0.5316834449768066},{"text":"There's no real need to change that.","start_word":1018,"end_word":1024,"sentiment":"neutral","sentiment_score":0.2509833574295044},{"text":"We did review that and other funds out there. I am recommending that you do stay within Netwealth.","start_word":1025,"end_word":1042,"sentiment":"positive","sentiment_score":0.4754620492458343},{"text":"There's no need to change at the moment. Down the track, we might find something better. But the other thing to consider when we do look at switching in some super funds and switching investments, your super fund, just like you, does a tax return every year, so we do need to take into account the kind of tax consequences that your fund would need to, essentially cover or pay for at the end of the day. So, by staying within Netwealth, that does mean that your fund, doesn't have to pay a huge amount of capital gains or tax for moving the funds.","start_word":1043,"end_word":1146,"sentiment":"neutral","sentiment_score":0.12496530551176804},{"text":"It's also a lot easier for you as well.","start_word":1147,"end_word":1155,"sentiment":"positive","sentiment_score":0.6897296905517578},{"text":"I mean, there's there's No.","start_word":1156,"end_word":1160,"sentiment":"neutral","sentiment_score":-0.04330957680940628},{"text":"no real major changes that Netwealth has seen that puts you at a disadvantage.","start_word":1161,"end_word":1174,"sentiment":"negative","sentiment_score":-0.5612775683403015},{"text":"It is in in best interest, the remaining Netwealth there at the moment. Okay? Yes. I did have a look at the investments, and you'll see we've got the red and the green there. So, essentially, we are looking to do a bit of a switch. We'll be getting rid of all of the BAN along Australian equity. You'll see that one there is nice and red and all sold down to zero. But then we're also gonna make just a few additional changes there. So you'll see the physical gold. We're not gonna sell all of that. Just rebalance you back a little bit. You've got about 12.66% of your portfolio on physical gold at the moment. So just selling some back and cementing some of the gains that it has been and having those gains redistributed elsewhere and bringing you back to about 10% there is preferable. We've also got the Vanguard fixed interest fund. We're essentially just rebalancing and altering the portfolio. We're gonna sell all of that off, bring it down to zero there, and redistribute the the funds through some other investments. And then we've also got the iShares miscue europe European one there. We're gonna sell all of that down for you to zero and distribute the funds elsewhere. Once Right. we've completed those sell downs, we're actually going to, a, keep 10% in the physical gold, but we're also going to buy a bit more into the beta shares cybersecurity, so you'll have about 5% invested there. The iShares European exposure will buy into that. You currently have about 5% there at the moment. We'll bring you up to 8% total over your portfolio. The iShares Mitsubishi Japan will buy a bit more of that as well, make sure you've got 5% distributed, and the iShares S and P 500. So we'll bring you back up to about 30% and buy a little bit more in there. And then you've got the Vanguard All World ex US. This is just sort of giving you diversified exposure to the entire globe except The US. We don't need to buy into The US with this investment because we have it with the the S and P 500 exposure there. So one of the biggest things that's been able to mitigate risk and and look at ways to diversify your portfolio is to make sure we're getting exposure into not only some of the largest companies and already set set companies and set sorry. I'm looking for a set word. I can't think of it. Set markets, but also taking advantage of those up and coming as well. And the Vanguard All World ex US investment gives you exposure to all those sorts of market set. It is, as I said, exception not investing into The US for that investment, and that's because we have the S and P 500 already in there, and we wanna keep that. I know there has been a lot of ups and downs with the The US and with what's happening with Iran there as well over the last few months, but The US is still a good place to be.","start_word":1175,"end_word":1705,"sentiment":"neutral","sentiment_score":0.1231672155430537},{"text":"And having an exposure into the S and P 500 index over the longer term does generate really good returns as well.","start_word":1706,"end_word":1727,"sentiment":"positive","sentiment_score":0.47685766220092773},{"text":"Okay?","start_word":1728,"end_word":1728,"sentiment":"neutral","sentiment_score":0.26552778482437134},{"text":"Alright. Excellent.","start_word":1729,"end_word":1730,"sentiment":"positive","sentiment_score":0.4755491316318512},{"text":"Now because we are getting rid of the Bannelong Australian Equities Fund there, we do need to also replace your Australian exposure. So we're gonna use the BetaShares a 200 there.","start_word":1731,"end_word":1761,"sentiment":"neutral","sentiment_score":0.13260960578918457},{"text":"This is actually giving you more diversification to help lower the overall risk of your portfolio.","start_word":1762,"end_word":1777,"sentiment":"positive","sentiment_score":0.3907586336135864},{"text":"So with Banda Long Australian Equities, they tend to hold anywhere from, say, 15 to 30 different investment options, whereas the BetaShares a 200 tracks the top 200 companies on the ASX.","start_word":1778,"end_word":1809,"sentiment":"neutral","sentiment_score":0.11737119406461716},{"text":"So it's it's certainly it's distributing your funds across a large a much greater exposure in the Australian market, helping to diversify, but it's also a cheaper option as well.","start_word":1810,"end_word":1839,"sentiment":"positive","sentiment_score":0.4090762138366699},{"text":"So the Bannalong was more of a managed fund, and the fund manager was trying to augment to outperform against the market, whereas the BetaShares a 200 investment is more passive.","start_word":1840,"end_word":1870,"sentiment":"neutral","sentiment_score":0.19107423722743988},{"text":"It's better to track the indices that it is following, and then as such, it is a bit cheaper as well. So it does save you an investment fees, which I'll show you below as well.","start_word":1871,"end_word":1906,"sentiment":"positive","sentiment_score":0.40490061044692993},{"text":"Does that make sense so far? Yeah. Yeah. And then because we are getting rid of the Vanguard fixed interest there, we still wanna make sure you do have access and exposure to defensive investments. So these are lower risk investments. Our growth portfolio generally sees about 20% invested there. With the iShares core composite fund, it's looking at a government and corporate funds. It also has diversification across the globe and also looks at bank notes and fixed interest and things like that as well. And we'd see about 14% invested in there, so it's within the very variance of a growth portfolio, which is fine. And it's about making sure that you've got a good a good array and exposure across asset classes, industries, as well as companies to make sure your portfolio is working for you, but that we're also mitigating as much risk as possible as we are doing so. Does that make sense so far, Yeah. Jason? Yeah. Yeah. Yeah. So those are the changes that we'll essentially make with your portfolio. And if you scroll down the next page, you'll see we still have to keep a little bit of cash in the account. Essentially, we just wanna keep 1% cash there. So about $11,061, the rest of the funds are to be distributed and invested as above there. Okay? Yep. If you go down to page number 23 for me, this is sort of where you see why we are making the changes that we are. Nine twenty three. Yeah. Yep. It should have the heading fee comparison. It's It's going it's going I mean, blank. I'm just waiting for Oh, the it might be loading. Yeah. it's coming back. '23. Right. Yep. Hang on.","start_word":1907,"end_word":2198,"sentiment":"neutral","sentiment_score":0.15549268074690886},{"text":"Perfect.","start_word":2199,"end_word":2199,"sentiment":"positive","sentiment_score":0.549964189529419},{"text":"Yep.","start_word":2200,"end_word":2200,"sentiment":"neutral","sentiment_score":0.28030022978782654},{"text":"Yep. Excellent.","start_word":2201,"end_word":2202,"sentiment":"positive","sentiment_score":0.4869054853916168},{"text":"So with this one here, you'll see with the fee comparison table, it shows you your current versus the recommended. It's got your balance at the very top there in the current column. And then underneath that, you can see you're paying administration fees, investment fees, any other fees applicable, your ongoing service fee, and your contributions for sorry. Your no. There's no contributions at the moment, but you'll see your insurance premiums for the cover that you have with Neosair as well. Right. Underneath I got a I sorry. got You're a at question. yeah. Of course. It's the adviser service fee. Yes. Who's my adviser? So I am. Right. You are now. Okay. Yeah. Yep. Just making sure because I had Severino Oh, Severino, I think his name was. yeah. Seve. Yep. Yep. Yeah. And I hadn't spoken to him for a long time. That's why I was just wondering Okay. who's who's Yeah. my actual adviser. Absolutely. So the way things sorta have been able to change, and I know last year, there was a lot of a contact that we weren't able to make with everything that was kinda going on there, but we have had some changes to the business. So I've been an adviser for a couple of years now, so I've been able to take on a a certain book of clients and making sure that we're able to look after you and service things a bit better this year round. So I've made it put you into the book here. You're my client now. You're still a client of both you, and Sevvy is still the licensee. It just means that I'll be the one that you get to speak to on more of a regular basis.","start_word":2203,"end_word":2497,"sentiment":"neutral","sentiment_score":0.0923924371600151},{"text":"I can make sure my team are doing catch ups with you as well, and we can make sure to provide that service a little bit deeply for you.","start_word":2498,"end_word":2526,"sentiment":"positive","sentiment_score":0.5918132662773132},{"text":"So Yeah. if at any point you decide you don't want me to be your adviser, you're more than welcome to say you're not happy to do so. I'm more than happy to refer you on to somebody else if that's preferable. But if you're happy to, you know, stay with me, I'll make sure we do catch ups and and follow through and, you know, make sure that we do the reviews and make sure we're on track and looking forward towards your goals there for you and update the advice as we need to. Yeah. Yeah.","start_word":2527,"end_word":2624,"sentiment":"neutral","sentiment_score":0.09454672783613204},{"text":"Not a problem. Excellent. Excellent.","start_word":2625,"end_word":2629,"sentiment":"positive","sentiment_score":0.4774355888366699},{"text":"Just back to that table there for you, Jason. I do apologize. At the moment, you are in that growth portfolio there, and you'll see that you've got that five year rolling average there. So it's essentially showing showing you in the current scenario with the current portfolio that you're in, we take that and we look at the average that it has been able to perform over the past five years there. With the newer portfolio, you'll that in the recommended column there. So your balance, you'll also see underneath that your administration fees, your investment fees, again, the adviser service fee. I've included contributions into the recommendation for you as well, and then also your insurance premiums will be retained as they are. But Yes.","start_word":2630,"end_word":2756,"sentiment":"neutral","sentiment_score":0.17622420191764832},{"text":"the newer portfolio, the changes that we are making, when you look at that five year rolling average, it has shown that over the past five years, that newer portfolio has been able to perform greater.","start_word":2757,"end_word":2792,"sentiment":"positive","sentiment_score":0.3802000880241394},{"text":"So when you take that projected little five year rolling average and project that over the next five to ten years, as you can see on the bottom page there, it can if if the portfolio can perform the way it has, and that's what we wanna do.","start_word":2793,"end_word":2840,"sentiment":"neutral","sentiment_score":0.32898908853530884},{"text":"We wanna make sure that it is performing correctly.","start_word":2841,"end_word":2849,"sentiment":"positive","sentiment_score":0.3375301957130432},{"text":"And if it's not, we'll look to all make alterations to it for you.","start_word":2850,"end_word":2863,"sentiment":"neutral","sentiment_score":0.07515907287597656},{"text":"But you can definitely see over the next five to ten years if it's able to get what we has received over the past, you know, five years there, that it can see you in a much greater position moving forward. Okay?","start_word":2864,"end_word":2905,"sentiment":"positive","sentiment_score":0.7301372289657593},{"text":"Yep.","start_word":2906,"end_word":2906,"sentiment":"neutral","sentiment_score":0.285974383354187},{"text":"Yeah. Beautiful.","start_word":2907,"end_word":2908,"sentiment":"positive","sentiment_score":0.5221825838088989},{"text":"I did may mention before as well the investment fees are a bit cheaper there.","start_word":2909,"end_word":2923,"sentiment":"neutral","sentiment_score":0.2911128103733063},{"text":"So with the investment fees in your current portfolio, it's got that $5.59 there. By making these changes, you're actually saving about $361 in investment fees for this year. So this newer portfolio has performed greater in the longer term. It's Yes. also a lot cheaper for you as well, and keeping money invested is really important, especially if your life has changed. You're now self employed.","start_word":2924,"end_word":2990,"sentiment":"positive","sentiment_score":0.5065973401069641},{"text":"So, you know, you're not getting the mining contributions going in there anymore.","start_word":2991,"end_word":3003,"sentiment":"neutral","sentiment_score":0.22512608766555783},{"text":"So it's about making sure that you're saving on fees where you can, keeping money Yep. retained in the fund and compounding forward towards your goals.","start_word":3004,"end_word":3029,"sentiment":"positive","sentiment_score":0.3921199142932892},{"text":"Okay? Yeah. Do you have any questions about any of that so far? No. That's all good, so far. Yeah.","start_word":3030,"end_word":3049,"sentiment":"neutral","sentiment_score":0.10742489993572236},{"text":"Beautiful.","start_word":3050,"end_word":3050,"sentiment":"positive","sentiment_score":0.4431169033050537},{"text":"All good. If you find you have questions, you're welcome to stop me and ask away. It's not an issue at all, and noticing it's a silly question. I'm here to help. And, you know, while you are looking the document, if anything comes up, just flag it for me. Okay? Yeah. Well, I have one. Yeah. Sure. With the print contributions, we spoke about me putting money in probably weekly. Yes. Yes. How do I go about doing that? I will help you to do that. That's a very, very good question. So what we'll do is and you'll see in this table here, we have recommended contributions be going in. Essentially, the way I'm I'm recommending those is we make them as a deductible contributions, and we talked about a $100 on a weekly basis. So Yes. what I can do is I can email you essentially the the contributions detail. You can do it generally by BPAY or EFT. The Yes. contributions are put into the account or into your super fund direct from your bank account. And then at the end of the financial year, I'll actually put a little I prefer to kinda do it more than once a year. So, essentially, I'll have a look at when your insurance premiums are due to come out, and I'll make sure we claim a notice of intent just before the insurance premiums are deducted, but then making sure we do another one at the end of the financial year. And that's Yes. because the way contributions go into super the way these will go into super is they come from your Yep. bank account. So they go in with it's what's called a non concessional after tax contribution. Because they go in that way, they go into your tax free component. And whenever money comes out of your super fund, like, to pay for insurance premiums, they it comes out of both components. You can't pick or choose where the money comes out of, and your super No. fund has two components. You've got a tax free component and a taxable component. The taxable component is where money has gone in and tax has come out straight away. The tax free component is where tax has not been deducted straight away. And when the insurance premiums come out, say your insurance premiums, as an example, costed a $100, if you had $50 in sale, say, a $100 in each of those components there, that $100 to your insurances comes out proportionately from both of those components.","start_word":3051,"end_word":3480,"sentiment":"neutral","sentiment_score":0.13392225566298463},{"text":"To be able to get the best of this for you by making that contribution, from your bank account, it goes in that tax free side of things. So what I like to make sure we do is to make sure you're getting the most of that benefit just before your insurance premiums are due to come out of the account. Make sure you've claimed that notice of intent.","start_word":3481,"end_word":3549,"sentiment":"positive","sentiment_score":0.5345637202262878},{"text":"That claims the full notice of intent to the contributions that are going in, and then we can do an adjustment at the end of the financial year.","start_word":3550,"end_word":3577,"sentiment":"neutral","sentiment_score":0.2771635055541992},{"text":"And that means you you get to claim the full amount of contributions going in without the amount that you're able to claim being reduced by insurance premiums.","start_word":3578,"end_word":3605,"sentiment":"positive","sentiment_score":0.3752794861793518},{"text":"Does that make sense? You're welcome to let me know if it doesn't. Sort of. It does. Yeah. I just Is this yeah. yes. So I'd I'd have to put that in through my business account.","start_word":3606,"end_word":3641,"sentiment":"neutral","sentiment_score":0.07312349478403728},{"text":"That's absolutely fine because you're a sole trader, so everything is under your name anyway.","start_word":3642,"end_word":3656,"sentiment":"positive","sentiment_score":0.4837174713611603},{"text":"It's Yeah. not an issue at all. So what we'll do is we'll just send you the contributions information. You do the transfer in. You can have it set up as a regular EFT or a regular bank transfer, whatever is comfortable for yourself, Yeah. or you can manually do it on a weekly basis. And then I'll just make a little note to go in there and double check each a cup each, you know, a couple of times a year to see how much you've put in. And then when we need to make those notice of intents, we'll have them prefilled and sent to you to sign. We'll have them lodge with the fund for you. And the idea is, like, if you put with this at a $100 per week, it's $55,005 thousand $200 on a yearly basis. Yeah. At the end of the financial year, you can then go back to your account and then say, hey. I've put in 5,200 into my super. It's a deductible contribution.","start_word":3657,"end_word":3829,"sentiment":"neutral","sentiment_score":0.2318442314863205},{"text":"Your accountant will then claim that back for you as a as a deduction on your tax return, and your super funds will deduct tax out of that, and we will help them to do that.","start_word":3830,"end_word":3865,"sentiment":"positive","sentiment_score":0.4108273386955261},{"text":"Does that make Yeah. Yeah. sense?","start_word":3866,"end_word":3871,"sentiment":"neutral","sentiment_score":0.19744841754436493},{"text":"Yeah. It's a pretty in-depth little process there, but it is kinda cool. It means that you're putting money into your super funds that are being invested for you, but you also get the advantage of having a little bit of a tax deduction at the end of the financial year as well. So Yeah. it kinda gives you a bit of a boost on both levels. The way the components are set up within the super fund, that's more something for me to not worry about and make sure that I'm, you know, doing the right thing by you, but I'll make sure that we claim those notice of intent in increments that allow you to benefit from those contributions to the fullest.","start_word":3872,"end_word":3995,"sentiment":"positive","sentiment_score":0.566669225692749},{"text":"Okay? Yeah.","start_word":3996,"end_word":3997,"sentiment":"neutral","sentiment_score":0.2545672655105591},{"text":"Yeah. Beautiful.","start_word":3998,"end_word":3999,"sentiment":"positive","sentiment_score":0.5799726247787476},{"text":"So, essentially, you'll see in that table there, the contribution noted is 4,420. That is net. So you putting a $100 in per week does mean you put 5,200 in over the course of the year. However, this is just the net, so after the tax has been taken into account for you. Okay? Yeah. Yeah. Did you wanna did you want me to kinda clarify anything further there or go into more detail? Or No. That's all. Seems no. I've said it's monetary then. Yeah.","start_word":4000,"end_word":4085,"sentiment":"neutral","sentiment_score":0.002143096411600709},{"text":"Beautiful. Beautiful.","start_word":4086,"end_word":4087,"sentiment":"positive","sentiment_score":0.650117039680481},{"text":"So since that's the main part of the recommendations here is making sure you do retain net wealth for the time being, that we do make those alterations to the investments to make sure things are working harder for you, and then also making those contributions. So putting a $100 in on a weekly basis, and then we'll make sure we do that notice of intent for you. So at the end of the financial year after the July 1, when you go to do your tax return, so you'll be able to let your accountant know that you've made that additional contribution to Super, and they can claim that as a tax deduction for you as Yeah. well. Okay?","start_word":4088,"end_word":4207,"sentiment":"neutral","sentiment_score":0.27726656198501587},{"text":"Beautiful.","start_word":4208,"end_word":4208,"sentiment":"positive","sentiment_score":0.6526449918746948},{"text":"Yeah. The only other thing I do like to make mention is we did talk before about whenever we make changes to the funds within your super, that your super fund does have to account for the taxation side of things. So we Yep. did go back and have a look at the CGT consequences. You'll see in the difference column there the amount of $382. In order to make those changes inside your super fund there and make the investment switches, your super fund would be expected to pay about $380 in in capital gains tax. So Yes. that doesn't affect you in any way, shape, or form. Your super fund will account for that in the back end. We just like to make sure we disclose that to you. Okay? Yep.","start_word":4209,"end_word":4341,"sentiment":"neutral","sentiment_score":0.11834955215454102},{"text":"Beautiful.","start_word":4342,"end_word":4342,"sentiment":"positive","sentiment_score":0.5566838979721069},{"text":"You'll also see there is a difference in the ongoing adviser fee. Our ongoing service fee is 1.65% per annum. This is breaking it down into a dollar figure for you. And whilst the balance is not hasn't gone up in the top column there, the $1. 08 $2.00 is factoring in the first year's growth there. So that's the difference of the $78. Okay? Right.","start_word":4343,"end_word":4407,"sentiment":"neutral","sentiment_score":0.03984056224043553},{"text":"Yeah. Beautiful. But all in all, so long as everything goes according to plan and, you know, if this if these investments can perform the way they have and, you know, everything shows that you should be on track for a much greater retirement, and we will update the advice regularly. I'll do catch ups with you a bit more. That way, we can kinda see where things are changing when and if you wanna make additional contributions or have some extra money, we can always look at doing that for you as well.","start_word":4408,"end_word":4501,"sentiment":"positive","sentiment_score":0.430292010307312},{"text":"Yeah. The contributions cap for this year is 30,000. Next year, it's 32,500.","start_word":4502,"end_word":4514,"sentiment":"neutral","sentiment_score":0.13741835951805115},{"text":"So we can always look to make additional contributions to provide a greater boost to super down the track there.","start_word":4515,"end_word":4534,"sentiment":"positive","sentiment_score":0.42941492795944214},{"text":"We were just sticking to this for the moment. And if you're getting back into work, you're now self employed and sort of seeing how things go, Yeah. and it's important that we can keep updating this advice down the track for you as well. Okay? Yeah. Yep.","start_word":4535,"end_word":4582,"sentiment":"neutral","sentiment_score":0.16953539848327637},{"text":"Yeah. Beautiful.","start_word":4583,"end_word":4584,"sentiment":"positive","sentiment_score":0.48740625381469727},{"text":"Now we are retaining your life and TBD insurances exactly as they are at the moment. So we did talk about income protection trauma. The cost Yeah. of having and adding to insurances does mean the cost is greater. You pay more out of your super fund for doing so. You were happy to not look at getting new cover at the moment. But on page number 24 there, you'll see under the annualized returns, there's a small table with the five and ten year projection, and it's got the current recommended and no insurances. Can you see that table there? Yeah.","start_word":4585,"end_word":4686,"sentiment":"neutral","sentiment_score":0.014228340238332748},{"text":"Beautiful.","start_word":4687,"end_word":4687,"sentiment":"positive","sentiment_score":0.5563645362854004},{"text":"This is just letting you know and showing you the difference with regard to the insurance side of things. So because you are paying for the life and TPD out of your super fund as you get older, essentially, your insurance premiums do get more and more expensive as the risk of you making a claim increases. And this shows you the same thing as it was in the projection table above there, but it's also got the third column showing that if you were not to pay any insurances out of your super, but you were still to take on the recommendations there, essentially, the outcome over the next five to ten years could be projected to show you the difference. Okay. Yeah. Okay. Yeah. Yeah. So we just like to make sure we have that comparison in there for you. It does show you the difference by not having insurances. However, I'm not making any recommendations to cancel them. I still think insurances are definitely appropriate for your life stage and where you're at, but we can always review these down the track with you as well. Okay. Yep.","start_word":4688,"end_word":4878,"sentiment":"neutral","sentiment_score":0.03790815279901963},{"text":"Yep. Beautiful.","start_word":4879,"end_word":4880,"sentiment":"positive","sentiment_score":0.4749405086040497},{"text":"Underneath that, you'll see we've got an income a retirement income protection calculator. So this is essentially scoped into a limited basis because you are still a bit away from limited basis. Because you are still a bit away from retirement, you're so happy to kinda keep working to the age of 70 if you needed to, but we'll keep sort of reviewing things moving forward to see how you go and when Yep. you do decide you wanna retire. When you get closer, we'll look at this in a much more detail. But at the moment, based on the current recommendations, when we kinda project this forward over the next few years, we can sort of see that if everything was to stay on track, essentially, being able to retire at the age of 70 there, you're kind of looking for a retirement income of a base of 52,000 per annum. So it's about $1,000 on a weekly basis there. This is showing you that we're almost at that projected amount. We're showing a short about $749. This is utilizing your super as well as the eligibility for Centrelink, which based on your current circumstances, you would have eligibility to. And this is just in to sort of show you where we're kinda projecting based on the recommendations I have made. And I do a lot of the retirement planning with a lot of our clients.","start_word":4881,"end_word":5117,"sentiment":"neutral","sentiment_score":0.2199879884719849},{"text":"So as you get closer and older towards retiring and wanting to sort of look at that in a bit more focus, we can absolutely look at doing that for you. As I mentioned, we can be putting extra contributions in each year as things change for yourself. We can utilize, you know, caps if we need to. There's other things down the track that we can absolutely do. Some of the coolest strategies kinda come into play when you turn 60. So I'm not sure if we kinda spoke about this in the past, but when you do turn 60, you get access to what's called a transition retirement strategy, which is where you can be putting a lot more money into super up to the cap. And then we can also access a little bit and draw some down so you end up with, you know, saving on income tax, but still putting as much as possible into super to provide greater benefit. And these sorts of strategies are more accessible and available to you at the age of 60s. So when you get to that point, we can have a much more in-depth conversation and look at what some of these other strategies can do to help boost your super.","start_word":5118,"end_word":5330,"sentiment":"positive","sentiment_score":0.4900933504104614},{"text":"Okay? No. Yeah.","start_word":5331,"end_word":5333,"sentiment":"neutral","sentiment_score":0.2015717625617981},{"text":"Perfect. I'm probably the only person in the world to get excited about super and people turning Yeah.","start_word":5334,"end_word":5351,"sentiment":"positive","sentiment_score":0.5063738822937012},{"text":"Alright. 60. But, I'm yeah, done.","start_word":5352,"end_word":5357,"sentiment":"neutral","sentiment_score":0.2599475383758545},{"text":"there's some there's some other cool things that we can definitely do to help you there.","start_word":5358,"end_word":5373,"sentiment":"positive","sentiment_score":0.6438006162643433},{"text":"On page number 26, this takes you into more around the recommendation about the personal deductible contributions. So, essentially, it's a 100 on a weekly basis. You pop it into your super fund from your bank account there. And Yep. then at the end of the financial year, we make sure we've claimed the notice of intent. I'll check a couple of times a year to find out when they need to be claimed, and I'll make sure we claim them so you get the maximum benefit from those. Okay? Yeah. But the table at the bottom essentially shows you that what it can do there. So you put that money into your super fund there. You then claim that as a bit of a tax deduction on your income, which helps to reduce your taxable income. You can kinda go from and this is just showing you without any additional deductions and things like that.","start_word":5374,"end_word":5529,"sentiment":"neutral","sentiment_score":0.2641949466405771},{"text":"This is sort of Yep. showing you that if you start with 60,000 there, you put that 5,200 into super. It reduces your taxable income there. It also reduces, essentially, the expectation that it reduces the tax payable on your income as well, so it saves you some income tax. Yeah. It does mean by putting the funds into super, once we claim that notice of intent, your super fund does pay tax on that. Essentially, it's about $780, but you end up saving more than what is taxed inside super, so it provides you with a much greater effect.","start_word":5530,"end_word":5629,"sentiment":"positive","sentiment_score":0.5428560376167297},{"text":"Okay?","start_word":5630,"end_word":5630,"sentiment":"neutral","sentiment_score":0.2882651090621948},{"text":"Yeah. Beautiful.","start_word":5631,"end_word":5632,"sentiment":"positive","sentiment_score":0.6160829067230225},{"text":"Did you have any questions about how that works, or did you want me to go into more detail there? Or No. Not really. No. It's no. That's okay. yeah. It's kinda understand Yeah. That's okay. As you once you you've once I've gone through this with you this afternoon, you'll get some time to go it.","start_word":5633,"end_word":5689,"sentiment":"neutral","sentiment_score":0.11935850977897644},{"text":"back and have a really good read of it.","start_word":5690,"end_word":5698,"sentiment":"positive","sentiment_score":0.3843258917331696},{"text":"So run your eyes over the information there. We've got the recommendation outlined. You'll see on each those pages there, we've also got a best interest duty.","start_word":5699,"end_word":5725,"sentiment":"neutral","sentiment_score":0.2550475597381592},{"text":"So this is essentially how tying this recommendation is in your best interest, how we tie it back to your goals, and how this is working harder for you at the end of the day.","start_word":5726,"end_word":5760,"sentiment":"positive","sentiment_score":0.4634832739830017},{"text":"We also outlined there the advantages, the disadvantages, and the risks involved and any alternatives that we've considered as well.","start_word":5761,"end_word":5780,"sentiment":"neutral","sentiment_score":0.2280534654855728},{"text":"So you'll be able to go back and have a really good review of the entire document, have a bit of a read through it. It's sometimes it's easier when I'm not sort of talking at you for you to run your eyes over it and take it all in.","start_word":5781,"end_word":5830,"sentiment":"positive","sentiment_score":0.409629762172699},{"text":"And then let me know if you do have questions. As as I said, there's no such thing as a silly question.","start_word":5831,"end_word":5852,"sentiment":"neutral","sentiment_score":0.18259966373443604},{"text":"If it's something you're curious about or you want me to kinda go into more detail for you, I'm absolutely happy to do so. Part of what I love about my job isn't just being able to say this is what I'm gonna do to help you and help you to meet your goal. It's also the educational value as well because it's you've worked really hard all your life thus far, and you've got a lot of life left to work. And this is part of your income, so you wanna make sure it's been Yep. looked after correctly. You wanna make sure that it's working for you so that when you get to the year that you wanna retire, you get to retire. You get to access your money, and you get to enjoy the life that you've always wanted and worked so hard for.","start_word":5853,"end_word":5999,"sentiment":"positive","sentiment_score":0.6125517402376447},{"text":"So, you know, that's really important to me, and making sure that this is working harder for you Yep. is just as important. Okay? Yeah.","start_word":6000,"end_word":6024,"sentiment":"neutral","sentiment_score":0.10954384505748747},{"text":"Beautiful. Beautiful. Essentially, that's most of the recommendations there. It is a nice easy one for you.","start_word":6025,"end_word":6041,"sentiment":"positive","sentiment_score":0.4797546863555908},{"text":"We do also put in there that we do recommend making sure that you do have a will and power of attorney in place.","start_word":6042,"end_word":6065,"sentiment":"neutral","sentiment_score":0.20550285279750824},{"text":"Your beneficiaries were in place, and we confirmed you were happy with those.","start_word":6066,"end_word":6078,"sentiment":"positive","sentiment_score":0.3512306809425354},{"text":"But we do find it's important to also look to, you know, make sure that you are aware of how important having a will and power of attorney is. We don't do those. We can refer you to a solicitor for the setting up of those. And I would suggest if you also do have a local solicitor that you're comfortable with, I it's absolutely fine to meet with them. Again, estate planning is another very critical error, but it's also making sure that you're comfortable having those conversations mean, with the person that's throwing your will up. So sorry. You do do I really have to or not? don't have to by any means. We recommend that you do have a will and power of attorney, but there's no Oh, yeah. rule that says you have to. Yeah. I mean, all all all my my thoughts were is if, you know, I did pass away, I mean, everything goes to my wife and she distributes between my kids. The other thing to sorta consider is that if you were to pass away as much as sorry. As much as everything under most state laws does go to your wife, there's a point of a a certain process of probate to go through. And I have seen in the past where, you know, a spouse has passed away, everything has to go through probate anyway. It doesn't automatically go to her. Right. And it does mean that going through probate means that other people can come forward and and place a stake on the claim. There's no guarantees they're gonna get it, but they're allowed to come forward and make a claim for, you know, a part of your estate. And I have seen parts of the state being passed off to people where they really weren't entitled. It wasn't where it wasn't where the person wanted their estate to be passed off to, and it can mean that things are distributed unevenly as well. What So do you mean by estates? Like, I don't I mean, I rent. I don't have a no. That's okay. So everything else is ending in your name. So your bank accounts, your super and your life insurance is all covered under your beneficiary, so property. that's absolutely fine. But things like your bank accounts, anything with your name on it, cars, boats, caravans, Right. contents, might they have family heirlooms or tools of trade or things like that. So a lot of those bits and pieces because once you pass away, your family has to gather essentially all of your assets, and they do a final tax return for you. So they have to kinda correlate everything and put it together, and it's called the estate. And that's just correlating all the information on all the assets you have, all your bank accounts, any investments you might have, any money stashed away or anything that might be sold off or considered point of value, and your estate has to do a final tax return once you've passed away, and then it all goes through probate. So it is quite a lengthy process. Most of the time, you know, things just go straight to your spouse. The judge goes, right. Cool.","start_word":6079,"end_word":6625,"sentiment":"neutral","sentiment_score":-0.04190349588391986},{"text":"No one's really stuck your claim. No one's entitled or anything.","start_word":6626,"end_word":6636,"sentiment":"negative","sentiment_score":-0.5464326739311218},{"text":"Goes straight to the spouse. Absolutely fine. But there are those instances where families can come forward, past partners, you know, relatives you may not speak to, stake a claim, and if their claim is good enough or if the judge deems that viable under yeah.","start_word":6637,"end_word":6682,"sentiment":"neutral","sentiment_score":-0.05229277147547058},{"text":"They can pass off some of your estate.","start_word":6683,"end_word":6690,"sentiment":"negative","sentiment_score":-0.35185548663139343},{"text":"So it's not guaranteed by any means. It could be a lot more of a straightforward process than, you know, what I've kinda gone through.","start_word":6691,"end_word":6715,"sentiment":"neutral","sentiment_score":-0.03465747460722923},{"text":"However, I have seen it go both ways. And having something like a will kit, you can even go to the post office and just purchase the will kit.","start_word":6716,"end_word":6744,"sentiment":"positive","sentiment_score":0.3426940143108368},{"text":"I think I saw them in there the other day for about $35 now. And you just go through the will kit. You just fill it out as per the instructions noting who you want to have what, and then make sure someone knows where it's located, your wife or your kids or someone that you trust knows where that will kit is set, and just make sure it's all done as per the instructions.","start_word":6745,"end_word":6819,"sentiment":"neutral","sentiment_score":0.2692861258983612},{"text":"And then at least you've got a will in place. It's a much cheaper way than going to speak to a solicitor, and it can be just as effective as well, but it's just about making sure your your wishes are adhered to.","start_word":6820,"end_word":6862,"sentiment":"positive","sentiment_score":0.4365791976451874},{"text":"Does that make sense? Right. Yeah.","start_word":6863,"end_word":6868,"sentiment":"neutral","sentiment_score":0.2359226793050766},{"text":"It sounds Yeah. easy.","start_word":6869,"end_word":6872,"sentiment":"positive","sentiment_score":0.37738484144210815},{"text":"Yeah. It's it's a really interesting process because, I mean, I've seen a lot of people and a lot of people do say to me, I've got nothing.","start_word":6873,"end_word":6900,"sentiment":"neutral","sentiment_score":-0.1482177376747131},{"text":"I don't think I've got anything. It's not worth anything. But when you sort of think about passing away, a lot of things can come to play.","start_word":6901,"end_word":6927,"sentiment":"negative","sentiment_score":-0.4043176770210266},{"text":"A lot of people, you know, you may never spoken to for years might decide, hey. I want a piece of that or I deserve something. And probate can go for as little as a couple of weeks or a month, or it can go for years depending on what happens. And I've seen probate go for, you know, two or three years even when clients didn't think they had anything at all.","start_word":6928,"end_word":7000,"sentiment":"neutral","sentiment_score":-0.26444438099861145},{"text":"And it's just going on at such a long lengthy cost that there was nothing left to hand off at the end anyway.","start_word":7001,"end_word":7023,"sentiment":"negative","sentiment_score":-0.4509364664554596},{"text":"So, yeah, it's really hard to say what could happen, but having a power of attorney in place is important because if you have a car accident or you're in a a medical incapacity or something happens to you where you can't make decisions, then you've appointed someone who can follow your direction.","start_word":7024,"end_word":7076,"sentiment":"neutral","sentiment_score":-0.01468174997717142},{"text":"To give you a bit of an example, my mom is a really good case where I'm her power of attorney.","start_word":7077,"end_word":7097,"sentiment":"positive","sentiment_score":0.3523399829864502},{"text":"It's in the documents that, you know, what she wants to happen if, say, she's medically incapacitated and can't make decisions, I've got a list of questions I have to ask the doctor. If I get yes to all of them, I have to pull the plug.","start_word":7098,"end_word":7144,"sentiment":"neutral","sentiment_score":0.149400994181633},{"text":"So it's just about making sure that people know what your wishes are.","start_word":7145,"end_word":7157,"sentiment":"positive","sentiment_score":0.3914739787578583},{"text":"You might not want to be resuscitated if there's a certain point, you know, where you're gonna be a vegetable. You might wanna be resuscitated. But just making Got sure it. that someone knows what your wishes are and what you want to happen in certain instances, and Yep. then the will to protect your estate and make sure that anything is distributed as per how you want your money, your valuables, to be distributed after passing. Okay. Yeah. Yeah. Fair enough. Yeah. It's a bit different when you think of it about that, isn't it? Most of us look at things and go, yeah. It's probably not really anything anyone wants here, but, you you know, you just never know. I know when my grandmother, when she was alive and went in into aged care, she didn't think anyone wanted anything, and she said, oh, come and put stickers on the things that you want. And everyone turned up putting stickers on everything. So it just just kinda goes to show that you may have a lot more valuable a lot more valuable items or a lot more to that is valuable to some of your family members than what it was to you. Fair enough. Yeah. Yeah. So something to think about. But as I said, there's not it's just a recommendation. As part of these advice documentation, we just make recommendations letting you know what we're recommending. You don't have to take them. You don't have to get a will done up. You don't have to have a power of attorney.","start_word":7158,"end_word":7421,"sentiment":"neutral","sentiment_score":0.06806145111719768},{"text":"We just like to make sure that we are ticking that box and letting you know the importance of doing so. And if you decide to go and do that, absolutely.","start_word":7422,"end_word":7452,"sentiment":"positive","sentiment_score":0.4415225982666016},{"text":"If you don't, that's completely your decision. Okay?","start_word":7453,"end_word":7460,"sentiment":"neutral","sentiment_score":0.20949214696884155},{"text":"Yep. Yeah. All good. Sometimes it's good just to have the conversation with your family as well just so to see what their thoughts are around it all.","start_word":7461,"end_word":7488,"sentiment":"positive","sentiment_score":0.5221549868583679},{"text":"Yeah. Yeah. Yeah. On page 37, when you get to the bottom, you'll see the remuneration side of things. So the advice that we do provide, because you're an ongoing client, you pay the ongoing service fee of 1.65% per annum. That essentially means that we're providing advice. So we don't charge any implementation fees or upfront fees for new advice.","start_word":7489,"end_word":7549,"sentiment":"neutral","sentiment_score":0.1936596632003784},{"text":"That's all inclusive of what you're paying us to do. We're here to help you work towards your goals and provide advice to work along those lines for you.","start_word":7550,"end_word":7578,"sentiment":"positive","sentiment_score":0.5188506245613098},{"text":"So there's no one no other fees for providing the advice to you. We do also like to make sure you're aware that you we do receive remuneration from Neos for the insurances. Yep. It's 22% ongoing, so it's estimated based on the current premium. We'll receive about $533 this year. That's all disclosed on page number 37 for you.","start_word":7579,"end_word":7638,"sentiment":"neutral","sentiment_score":0.24058327078819275},{"text":"All the we just like to make sure you're aware of everything that you are paying and what it looks like for you, And our job is to help work towards your goals and work in your best interest, and that's why we have the best interest duty in the advice document. It's outlining how our recommendations are made in in line with best interest duty and how they're here to meet your goals and why they're in your best interest to do so.","start_word":7639,"end_word":7722,"sentiment":"positive","sentiment_score":0.3798527717590332},{"text":"Okay. No. Beautiful. Look. I've rambled on a lot about everything. Essentially, if you decide you're comfortable taking the advice to make this work for you, how it will be implemented is that we'll start you'll sign the document to begin with. We'll then do the investment switch in the background, change the investments for you. You might get notifications that we're doing that in the back end, but you won't have to do anything. Yep. I'll then give you the information on how to make the contribution. I can even send that to you this afternoon after the call just a bit with the the details on how to make those contributions into super so you can start that. And then myself and my admin team here, we will make a little notice to when we do the notice of intent, whether it's at the end of the financial year or whether we need to do one beforehand. We'll take care of that, let you know when we're sending it to you, get you to sign them, and we'll make sure they're submitted and added to the super fund for you. Okay? Okay. Yep.","start_word":7723,"end_word":7917,"sentiment":"neutral","sentiment_score":0.1852977012976622},{"text":"All good. All good.","start_word":7918,"end_word":7921,"sentiment":"positive","sentiment_score":0.5935121774673462},{"text":"Do you have any questions? Is there anything that you might wanna ask at the moment? No. Not really. No? Covering Beautiful. him All up.","start_word":7922,"end_word":7946,"sentiment":"neutral","sentiment_score":0.04866248741745949},{"text":"good. All all good. Well, look, I've rambled on a lot there for you, so I will let you go. You're welcome to have a bit of time to read through that one. I'll get that email this afternoon with the contributions details for your fund to make it a bit easier on you.","start_word":7947,"end_word":8000,"sentiment":"positive","sentiment_score":0.43407925963401794},{"text":"And Yeah. if you find after you've read it over that any questions do come up, feel free to let me know.","start_word":8001,"end_word":8022,"sentiment":"neutral","sentiment_score":0.25653785467147827},{"text":"If after you've read it through, you're fairly comfortable with it all, we'll just get you to sign and return it back, and we can get started on implementing that for you.","start_word":8023,"end_word":8054,"sentiment":"positive","sentiment_score":0.4046109616756439},{"text":"And we can do a catch up in a few months as well to see how things are tracking. Does that Okay. sound Yeah. okay? Yep. Yeah. And with with the Beautiful. contributions, Yeah. will I see that on my app as well? So No. on your Superfund app? Yeah. Will I see the Yep. the contributions? Yeah. You will. Yeah. So you should Okay. be able to see the transactions. Oh, And okay. in the transactions, you'll see the contributions showing up. But if you ever get stuck, let me know. We can always do a bit of a catch up and and print out anything or email anything you need. But, yeah, in the transactions, you'll see those contributions being received and invested. Yeah. Yeah. Yeah. No worries.","start_word":8055,"end_word":8184,"sentiment":"neutral","sentiment_score":0.09659061374572608},{"text":"Yep. Fantastic. Oh, good.","start_word":8185,"end_word":8188,"sentiment":"positive","sentiment_score":0.528088390827179},{"text":"Is there anything that you might want me to kinda go through in a bit more detail, or you're happy with just that that's enough for today? No. No. Everything seems fine.","start_word":8189,"end_word":8220,"sentiment":"neutral","sentiment_score":0.21611599624156952},{"text":"Oh, fantastic. Oh, good. Well, I'm very much looking forward to helping you moving forward.","start_word":8221,"end_word":8235,"sentiment":"positive","sentiment_score":0.62140953540802},{"text":"As I said, I've put you on my book, so I'll be your adviser moving forward. I do work under Sevi. I have worked with Sevi for a very long time. It's just about making sure that we're able to provide that service. And as the licensee, it's obviously very hard for him to continuously make calls as well as look after the business. So I've taken on a lot of his older clients and making sure that we're working harder for you, and we'll look to make sure we do catch ups. When we did your annual review, you said you were pretty comfortable with the six monthly catch up. Do you still feel that's Yeah. fairly comfortable for you? Mhmm. Yeah. That's fine. Yep. Beautiful. Yeah. The only, like, one concern I did have before was, Yeah. like, I hadn't spoken to to Sevi for years, and Yeah. I thought, well, what am I paying for? Absolutely. Because I'm paying Yeah. was over a thousand dollars, and I'm thinking I'm not I'm not there's no and I tried to ring a few times, and it never got through. And it was very Yeah. frustrating. That's Of why course. that's why I had my concerns and I thought Yeah. but now, I mean, if you're on the case, it's different. I mean, Oh, obviously, thank like you. he said, he was busy all the time. Yeah. So Yeah. yeah. So no. It should be alright.","start_word":8236,"end_word":8481,"sentiment":"neutral","sentiment_score":-0.02692071698242571},{"text":"Beautiful.","start_word":8482,"end_word":8482,"sentiment":"positive","sentiment_score":0.6119834184646606},{"text":"Well, if you ever have those concerns again or if you find I'm not living up to the expectation, please let me know. Yeah. I'll do everything I can to make sure I live up to the expectation. And look so we'll set a catch up for in six months' time from today. And if anything comes up and you just want an extra catch up here or there or there's an ad hoc thing or a random question, you let me know. I don't work Fridays, but I work really early in the morning. So generally from 07:30 to about six, 07:00 at night, Monday to Thursday, and I'll happily speak to you after work if we need to. If you really need me on a Friday, I'll make sure I've got time for you then as well. So Yes. at the end of the day, I work for you now, Jason.","start_word":8483,"end_word":8635,"sentiment":"neutral","sentiment_score":0.08790060877799988},{"text":"So you let me know what you need, and I will make sure that I'm here to support you.","start_word":8636,"end_word":8654,"sentiment":"positive","sentiment_score":0.3536878824234009},{"text":"Okay? Alright.","start_word":8655,"end_word":8656,"sentiment":"neutral","sentiment_score":0.19496937096118927},{"text":"No problem. Amazing. Well, thank you so much for your time. I'll let you go to have a look at everything.","start_word":8657,"end_word":8677,"sentiment":"positive","sentiment_score":0.5845935344696045},{"text":"If there's any questions that of any of that, you let me know. Okay? Yep. Alright.","start_word":8678,"end_word":8693,"sentiment":"neutral","sentiment_score":0.22815349698066711},{"text":"No worries. Fantastic. Thank you so much. It's been a pleasure to put this together for you, and I hope you have a good relaxing evening. I'll try to.","start_word":8694,"end_word":8722,"sentiment":"positive","sentiment_score":0.7130296230316162},{"text":"Yeah. You too.","start_word":8723,"end_word":8725,"sentiment":"neutral","sentiment_score":0.24200697243213656},{"text":"Oh, good. I'll let you go, but thank you for your time. I hope you have a wonderful rest of your week.","start_word":8726,"end_word":8747,"sentiment":"positive","sentiment_score":0.5882343649864197},{"text":"Alright. You too.","start_word":8748,"end_word":8750,"sentiment":"neutral","sentiment_score":0.3024190664291382},{"text":"Thanks. Thanks, Jason. See you later.","start_word":8751,"end_word":8756,"sentiment":"positive","sentiment_score":0.5127313733100891},{"text":"Bye.","start_word":8757,"end_word":8757,"sentiment":"neutral","sentiment_score":0.26187407970428467}],"average":{"sentiment":"neutral","sentiment_score":0.18347549048026485}}}}